GCF Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $11,498,000 | 2,126 |
| Total interest expense | $2,292,000 | 1,481 |
| Net interest income | $9,206,000 | 2,272 |
| Provision for loan and lease losses | $725,000 | 1,440 |
| Total noninterest income | $551,000 | 4,270 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $192,000 | 4,169 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $359,000 | 3,833 |
| Total noninterest expense | $8,489,000 | 2,223 |
| Salaries and employee benefits | $3,499,000 | 2,804 |
| Premises and equipment expense | $1,048,000 | 2,153 |
| Additional noninterest expense | $3,942,000 | 1,640 |
| Pre-tax net operating income | $543,000 | 4,913 |
| Securities gains (losses) | $-51,000 | 6,452 |
| Applicable income taxes | $15,000 | 4,190 |
| Income before extraordinary items | $477,000 | 4,953 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $477,000 | 4,956 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $477,000 | 4,956 |
| Net charge-offs | $564,000 | 1,894 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $526,470 | 4,774 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $8,722,000 | 2,125 |
| Total interest expense | $1,818,000 | 1,450 |
| Net interest income | $6,904,000 | 2,268 |
| Provision for loan and lease losses | $575,000 | 1,372 |
| Total noninterest income | $418,000 | 4,309 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $145,000 | 4,188 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $273,000 | 3,888 |
| Total noninterest expense | $6,329,000 | 2,238 |
| Salaries and employee benefits | $2,734,000 | 2,704 |
| Premises and equipment expense | $798,000 | 2,156 |
| Additional noninterest expense | $2,797,000 | 1,699 |
| Pre-tax net operating income | $418,000 | 4,971 |
| Securities gains (losses) | $-51,000 | 6,656 |
| Applicable income taxes | $13,000 | 4,252 |
| Income before extraordinary items | $354,000 | 5,082 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $354,000 | 5,083 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $354,000 | 5,084 |
| Net charge-offs | $433,000 | 1,748 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $402,960 | 4,811 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,877,000 | 2,102 |
| Total interest expense | $1,268,000 | 1,418 |
| Net interest income | $4,609,000 | 2,258 |
| Provision for loan and lease losses | $425,000 | 1,318 |
| Total noninterest income | $266,000 | 4,418 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $91,000 | 4,277 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $175,000 | 3,993 |
| Total noninterest expense | $4,283,000 | 2,198 |
| Salaries and employee benefits | $1,827,000 | 2,723 |
| Premises and equipment expense | $546,000 | 2,098 |
| Additional noninterest expense | $1,910,000 | 1,666 |
| Pre-tax net operating income | $167,000 | 5,502 |
| Securities gains (losses) | $-51,000 | 6,795 |
| Applicable income taxes | $5,000 | 4,362 |
| Income before extraordinary items | $111,000 | 5,775 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $111,000 | 5,777 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $111,000 | 5,777 |
| Net charge-offs | $230,000 | 1,959 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $159,960 | 5,389 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,988,000 | 2,087 |
| Total interest expense | $664,000 | 1,395 |
| Net interest income | $2,324,000 | 2,258 |
| Provision for loan and lease losses | $225,000 | 1,230 |
| Total noninterest income | $148,000 | 4,210 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $50,000 | 4,085 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $98,000 | 3,784 |
| Total noninterest expense | $2,169,000 | 2,196 |
| Salaries and employee benefits | $905,000 | 2,756 |
| Premises and equipment expense | $286,000 | 2,050 |
| Additional noninterest expense | $978,000 | 1,641 |
| Pre-tax net operating income | $78,000 | 5,536 |
| Securities gains (losses) | $-31,000 | 6,900 |
| Applicable income taxes | $5,000 | 4,175 |
| Income before extraordinary items | $42,000 | 5,942 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $42,000 | 5,944 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $42,000 | 5,944 |
| Net charge-offs | $68,000 | 2,192 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $69,590 | 5,519 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $13,371,000 | 1,964 |
| Total interest expense | $3,280,000 | 1,358 |
| Net interest income | $10,091,000 | 2,131 |
| Provision for loan and lease losses | $1,331,000 | 1,448 |
| Total noninterest income | $485,000 | 4,540 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $269,000 | 3,695 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $216,000 | 4,497 |
| Total noninterest expense | $9,098,000 | 2,106 |
| Salaries and employee benefits | $4,281,000 | 2,302 |
| Premises and equipment expense | $1,123,000 | 2,060 |
| Additional noninterest expense | $3,694,000 | 1,787 |
| Pre-tax net operating income | $147,000 | 5,805 |
| Securities gains (losses) | $-452,000 | 7,004 |
| Applicable income taxes | $4,062,000 | 494 |
| Income before extraordinary items | $-4,367,000 | 6,949 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,367,000 | 6,948 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-4,367,000 | 6,948 |
| Net charge-offs | $1,616,000 | 1,349 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-3,915,000 | 6,927 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,229,000 | 1,967 |
| Total interest expense | $2,564,000 | 1,362 |
| Net interest income | $7,665,000 | 2,139 |
| Provision for loan and lease losses | $1,023,000 | 1,417 |
| Total noninterest income | $334,000 | 4,712 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $205,000 | 3,704 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $129,000 | 4,801 |
| Total noninterest expense | $6,990,000 | 2,054 |
| Salaries and employee benefits | $3,347,000 | 2,222 |
| Premises and equipment expense | $852,000 | 2,064 |
| Additional noninterest expense | $2,791,000 | 1,777 |
| Pre-tax net operating income | $-14,000 | 6,309 |
| Securities gains (losses) | $-439,000 | 7,107 |
| Applicable income taxes | $395,000 | 2,185 |
| Income before extraordinary items | $-848,000 | 6,846 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-848,000 | 6,844 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-848,000 | 6,845 |
| Net charge-offs | $1,071,000 | 1,392 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-409,000 | 6,658 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,973,000 | 1,929 |
| Total interest expense | $1,779,000 | 1,362 |
| Net interest income | $5,194,000 | 2,108 |
| Provision for loan and lease losses | $449,000 | 1,955 |
| Total noninterest income | $162,000 | 5,195 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $139,000 | 3,661 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $23,000 | 6,059 |
| Total noninterest expense | $4,700,000 | 2,037 |
| Salaries and employee benefits | $2,233,000 | 2,231 |
| Premises and equipment expense | $574,000 | 2,036 |
| Additional noninterest expense | $1,893,000 | 1,754 |
| Pre-tax net operating income | $207,000 | 5,274 |
| Securities gains (losses) | $-406,000 | 7,182 |
| Applicable income taxes | $188,000 | 2,498 |
| Income before extraordinary items | $-387,000 | 6,821 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-387,000 | 6,822 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-387,000 | 6,822 |
| Net charge-offs | $541,000 | 1,684 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $19,000 | 6,243 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,571,000 | 1,898 |
| Total interest expense | $939,000 | 1,342 |
| Net interest income | $2,632,000 | 2,092 |
| Provision for loan and lease losses | $180,000 | 2,114 |
| Total noninterest income | $161,000 | 4,080 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $71,000 | 3,613 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $90,000 | 3,856 |
| Total noninterest expense | $2,363,000 | 2,024 |
| Salaries and employee benefits | $1,100,000 | 2,262 |
| Premises and equipment expense | $262,000 | 2,209 |
| Additional noninterest expense | $1,001,000 | 1,651 |
| Pre-tax net operating income | $250,000 | 4,167 |
| Securities gains (losses) | $-502,000 | 7,267 |
| Applicable income taxes | $-104,000 | 7,172 |
| Income before extraordinary items | $-148,000 | 6,860 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-148,000 | 6,861 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-148,000 | 6,861 |
| Net charge-offs | $240,000 | 1,690 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $173,280 | 4,477 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,947,000 | 1,883 |
| Total interest expense | $4,248,000 | 1,428 |
| Net interest income | $10,699,000 | 2,038 |
| Provision for loan and lease losses | $1,021,000 | 2,383 |
| Total noninterest income | $557,000 | 4,208 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,036 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $159,000 | 4,785 |
| Total noninterest expense | $8,775,000 | 2,175 |
| Salaries and employee benefits | $4,928,000 | 1,959 |
| Premises and equipment expense | $1,923,000 | 1,297 |
| Additional noninterest expense | $1,924,000 | 3,242 |
| Pre-tax net operating income | $1,460,000 | 3,077 |
| Securities gains (losses) | $-1,213,000 | 7,293 |
| Applicable income taxes | $-58,000 | 6,753 |
| Income before extraordinary items | $305,000 | 5,228 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $305,000 | 5,230 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $305,000 | 5,230 |
| Net charge-offs | $1,046,000 | 2,308 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,518,000 | 2,661 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,233,000 | 1,902 |
| Total interest expense | $3,235,000 | 1,458 |
| Net interest income | $7,998,000 | 2,059 |
| Provision for loan and lease losses | $681,000 | 2,480 |
| Total noninterest income | $424,000 | 4,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $277,000 | 3,191 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $147,000 | 4,557 |
| Total noninterest expense | $6,679,000 | 2,153 |
| Salaries and employee benefits | $3,732,000 | 1,942 |
| Premises and equipment expense | $1,464,000 | 1,297 |
| Additional noninterest expense | $1,483,000 | 3,188 |
| Pre-tax net operating income | $1,062,000 | 3,200 |
| Securities gains (losses) | $-715,000 | 7,367 |
| Applicable income taxes | $82,000 | 3,347 |
| Income before extraordinary items | $265,000 | 5,211 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $265,000 | 5,212 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $265,000 | 5,212 |
| Net charge-offs | $556,000 | 2,550 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $808,400 | 3,377 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,420,000 | 1,940 |
| Total interest expense | $2,184,000 | 1,496 |
| Net interest income | $5,236,000 | 2,091 |
| Provision for loan and lease losses | $501,000 | 2,301 |
| Total noninterest income | $271,000 | 4,316 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 3,276 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $96,000 | 4,609 |
| Total noninterest expense | $4,460,000 | 2,165 |
| Salaries and employee benefits | $2,498,000 | 1,950 |
| Premises and equipment expense | $990,000 | 1,293 |
| Additional noninterest expense | $972,000 | 3,273 |
| Pre-tax net operating income | $546,000 | 3,642 |
| Securities gains (losses) | $-332,000 | 7,410 |
| Applicable income taxes | $48,000 | 3,386 |
| Income before extraordinary items | $166,000 | 5,250 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $166,000 | 5,249 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $166,000 | 5,250 |
| Net charge-offs | $584,000 | 1,982 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $424,960 | 3,762 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,777,000 | 1,906 |
| Total interest expense | $1,116,000 | 1,520 |
| Net interest income | $2,661,000 | 2,049 |
| Provision for loan and lease losses | $373,000 | 1,725 |
| Total noninterest income | $175,000 | 3,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 3,243 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $87,000 | 3,779 |
| Total noninterest expense | $2,266,000 | 2,129 |
| Salaries and employee benefits | $1,259,000 | 1,949 |
| Premises and equipment expense | $513,000 | 1,275 |
| Additional noninterest expense | $494,000 | 3,217 |
| Pre-tax net operating income | $197,000 | 4,264 |
| Securities gains (losses) | $-293,000 | 7,493 |
| Applicable income taxes | $-51,000 | 7,195 |
| Income before extraordinary items | $-45,000 | 6,573 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-45,000 | 6,575 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-45,000 | 6,573 |
| Net charge-offs | $598,000 | 1,192 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $142,520 | 4,485 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,000,000 | 1,893 |
| Total interest expense | $5,324,000 | 1,556 |
| Net interest income | $10,676,000 | 2,046 |
| Provision for loan and lease losses | $673,000 | 3,666 |
| Total noninterest income | $452,000 | 4,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $452,000 | 3,330 |
| Total noninterest expense | $9,189,000 | 2,105 |
| Salaries and employee benefits | $4,712,000 | 2,047 |
| Premises and equipment expense | $1,977,000 | 1,308 |
| Additional noninterest expense | $2,500,000 | 2,685 |
| Pre-tax net operating income | $1,266,000 | 3,006 |
| Securities gains (losses) | $-2,739,000 | 7,587 |
| Applicable income taxes | $-767,000 | 7,265 |
| Income before extraordinary items | $-706,000 | 6,465 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-706,000 | 6,466 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-706,000 | 6,466 |
| Net charge-offs | $324,000 | 4,206 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,046,960 | 3,011 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,013,000 | 1,927 |
| Total interest expense | $4,077,000 | 1,594 |
| Net interest income | $7,936,000 | 2,083 |
| Provision for loan and lease losses | $279,000 | 4,416 |
| Total noninterest income | $153,000 | 6,044 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $153,000 | 4,625 |
| Total noninterest expense | $6,905,000 | 2,097 |
| Salaries and employee benefits | $3,501,000 | 2,066 |
| Premises and equipment expense | $1,518,000 | 1,303 |
| Additional noninterest expense | $1,886,000 | 2,623 |
| Pre-tax net operating income | $905,000 | 3,272 |
| Securities gains (losses) | $-2,426,000 | 7,699 |
| Applicable income taxes | $-834,000 | 7,460 |
| Income before extraordinary items | $-687,000 | 6,767 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-687,000 | 6,768 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-687,000 | 6,768 |
| Net charge-offs | $82,000 | 5,101 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $865,640 | 3,028 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,047,000 | 1,942 |
| Total interest expense | $2,723,000 | 1,657 |
| Net interest income | $5,324,000 | 2,074 |
| Provision for loan and lease losses | $186,000 | 4,329 |
| Total noninterest income | $55,000 | 6,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $55,000 | 5,477 |
| Total noninterest expense | $4,573,000 | 2,117 |
| Salaries and employee benefits | $2,277,000 | 2,134 |
| Premises and equipment expense | $995,000 | 1,332 |
| Additional noninterest expense | $1,301,000 | 2,539 |
| Pre-tax net operating income | $620,000 | 3,239 |
| Securities gains (losses) | $-2,071,000 | 7,770 |
| Applicable income taxes | $-688,000 | 7,545 |
| Income before extraordinary items | $-763,000 | 6,988 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-763,000 | 6,988 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-763,000 | 6,988 |
| Net charge-offs | $97,000 | 4,286 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $562,440 | 3,085 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,985,000 | 2,009 |
| Total interest expense | $1,371,000 | 1,722 |
| Net interest income | $2,614,000 | 2,137 |
| Provision for loan and lease losses | $93,000 | 4,058 |
| Total noninterest income | $165,000 | 4,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $165,000 | 2,679 |
| Total noninterest expense | $2,398,000 | 2,050 |
| Salaries and employee benefits | $1,132,000 | 2,181 |
| Premises and equipment expense | $513,000 | 1,331 |
| Additional noninterest expense | $753,000 | 2,245 |
| Pre-tax net operating income | $288,000 | 3,422 |
| Securities gains (losses) | $-385,000 | 7,815 |
| Applicable income taxes | $-54,000 | 7,339 |
| Income before extraordinary items | $-43,000 | 6,590 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-43,000 | 6,592 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-43,000 | 6,591 |
| Net charge-offs | $37,000 | 3,979 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $203,400 | 3,732 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $19,759,000 | 1,730 |
| Total interest expense | $8,029,000 | 1,482 |
| Net interest income | $11,730,000 | 1,892 |
| Provision for loan and lease losses | $136,000 | 6,151 |
| Total noninterest income | $1,502,000 | 2,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,502,000 | 1,650 |
| Total noninterest expense | $9,300,000 | 2,148 |
| Salaries and employee benefits | $4,509,000 | 2,180 |
| Premises and equipment expense | $1,986,000 | 1,370 |
| Additional noninterest expense | $2,805,000 | 2,491 |
| Pre-tax net operating income | $3,796,000 | 1,085 |
| Securities gains (losses) | $-4,818,000 | 7,890 |
| Applicable income taxes | $-503,000 | 7,031 |
| Income before extraordinary items | $-519,000 | 6,090 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-519,000 | 6,089 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-519,000 | 6,090 |
| Net charge-offs | $291,000 | 4,532 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $2,564,520 | 1,280 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,583,000 | 1,686 |
| Total interest expense | $6,474,000 | 1,458 |
| Net interest income | $9,109,000 | 1,829 |
| Provision for loan and lease losses | $135,000 | 5,613 |
| Total noninterest income | $562,000 | 3,967 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $562,000 | 2,621 |
| Total noninterest expense | $7,076,000 | 2,117 |
| Salaries and employee benefits | $3,492,000 | 2,128 |
| Premises and equipment expense | $1,485,000 | 1,384 |
| Additional noninterest expense | $2,099,000 | 2,469 |
| Pre-tax net operating income | $2,460,000 | 1,312 |
| Securities gains (losses) | $-3,703,000 | 7,986 |
| Applicable income taxes | $-717,000 | 7,454 |
| Income before extraordinary items | $-526,000 | 6,447 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-526,000 | 6,448 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-526,000 | 6,447 |
| Net charge-offs | $264,000 | 3,894 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,843,920 | 1,417 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,005,000 | 1,612 |
| Total interest expense | $4,641,000 | 1,429 |
| Net interest income | $6,364,000 | 1,756 |
| Provision for loan and lease losses | $134,000 | 4,927 |
| Total noninterest income | $414,000 | 3,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $414,000 | 2,503 |
| Total noninterest expense | $4,502,000 | 2,229 |
| Salaries and employee benefits | $2,354,000 | 2,144 |
| Premises and equipment expense | $982,000 | 1,423 |
| Additional noninterest expense | $1,166,000 | 2,902 |
| Pre-tax net operating income | $2,142,000 | 1,052 |
| Securities gains (losses) | $-3,703,000 | 8,105 |
| Applicable income taxes | $-815,000 | 7,704 |
| Income before extraordinary items | $-746,000 | 6,983 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-746,000 | 6,983 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-746,000 | 6,983 |
| Net charge-offs | $168,000 | 3,641 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,623,920 | 1,130 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,663,000 | 1,597 |
| Total interest expense | $2,559,000 | 1,344 |
| Net interest income | $3,104,000 | 1,792 |
| Provision for loan and lease losses | $94,000 | 4,003 |
| Total noninterest income | $191,000 | 3,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $191,000 | 2,584 |
| Total noninterest expense | $2,280,000 | 2,165 |
| Salaries and employee benefits | $1,333,000 | 1,933 |
| Premises and equipment expense | $498,000 | 1,424 |
| Additional noninterest expense | $449,000 | 3,277 |
| Pre-tax net operating income | $921,000 | 1,399 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $258,000 | 1,197 |
| Income before extraordinary items | $663,000 | 1,628 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $663,000 | 1,629 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $663,000 | 1,630 |
| Net charge-offs | $301,000 | 1,766 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $663,000 | 1,549 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $23,967,000 | 1,616 |
| Total interest expense | $12,769,000 | 1,278 |
| Net interest income | $11,198,000 | 1,980 |
| Provision for loan and lease losses | $3,795,000 | 1,201 |
| Total noninterest income | $1,759,000 | 2,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,759,000 | 1,428 |
| Total noninterest expense | $9,105,000 | 2,113 |
| Salaries and employee benefits | $4,945,000 | 2,057 |
| Premises and equipment expense | $1,981,000 | 1,393 |
| Additional noninterest expense | $2,179,000 | 2,646 |
| Pre-tax net operating income | $57,000 | 6,150 |
| Securities gains (losses) | $-493,000 | 7,553 |
| Applicable income taxes | $-743,000 | 7,616 |
| Income before extraordinary items | $307,000 | 5,080 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $307,000 | 5,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,787 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $622,520 | 4,266 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $18,017,000 | 1,648 |
| Total interest expense | $9,828,000 | 1,294 |
| Net interest income | $8,189,000 | 2,042 |
| Provision for loan and lease losses | $542,000 | 2,619 |
| Total noninterest income | $1,562,000 | 2,146 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,562,000 | 1,324 |
| Total noninterest expense | $6,397,000 | 2,232 |
| Salaries and employee benefits | $3,663,000 | 2,096 |
| Premises and equipment expense | $1,477,000 | 1,407 |
| Additional noninterest expense | $1,257,000 | 3,258 |
| Pre-tax net operating income | $2,812,000 | 1,730 |
| Securities gains (losses) | $-493,000 | 7,777 |
| Applicable income taxes | $638,000 | 1,629 |
| Income before extraordinary items | $1,681,000 | 2,100 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,681,000 | 2,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,952 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,035,960 | 1,849 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,909,000 | 1,690 |
| Total interest expense | $6,764,000 | 1,299 |
| Net interest income | $5,145,000 | 2,157 |
| Provision for loan and lease losses | $142,000 | 3,753 |
| Total noninterest income | $778,000 | 2,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $778,000 | 1,660 |
| Total noninterest expense | $4,231,000 | 2,252 |
| Salaries and employee benefits | $2,448,000 | 2,115 |
| Premises and equipment expense | $972,000 | 1,426 |
| Additional noninterest expense | $811,000 | 3,328 |
| Pre-tax net operating income | $1,550,000 | 2,129 |
| Securities gains (losses) | $-8,000 | 8,106 |
| Applicable income taxes | $473,000 | 1,667 |
| Income before extraordinary items | $1,069,000 | 2,437 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,069,000 | 2,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,218 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,074,520 | 2,376 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,959,000 | 1,728 |
| Total interest expense | $3,583,000 | 1,300 |
| Net interest income | $2,376,000 | 2,315 |
| Provision for loan and lease losses | $41,000 | 4,079 |
| Total noninterest income | $211,000 | 3,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $211,000 | 2,497 |
| Total noninterest expense | $2,088,000 | 2,283 |
| Salaries and employee benefits | $1,207,000 | 2,172 |
| Premises and equipment expense | $474,000 | 1,467 |
| Additional noninterest expense | $407,000 | 3,267 |
| Pre-tax net operating income | $458,000 | 3,238 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $106,000 | 2,723 |
| Income before extraordinary items | $352,000 | 3,477 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $352,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,121 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $352,000 | 3,376 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,767,000 | 2,027 |
| Total interest expense | $13,769,000 | 1,456 |
| Net interest income | $6,998,000 | 3,109 |
| Provision for loan and lease losses | $104,000 | 4,861 |
| Total noninterest income | $787,000 | 4,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $787,000 | 2,580 |
| Total noninterest expense | $9,241,000 | 1,994 |
| Salaries and employee benefits | $5,019,000 | 1,997 |
| Premises and equipment expense | $1,884,000 | 1,414 |
| Additional noninterest expense | $2,338,000 | 2,312 |
| Pre-tax net operating income | $-1,560,000 | 8,207 |
| Securities gains (losses) | $69,000 | 706 |
| Applicable income taxes | $-698,000 | 8,364 |
| Income before extraordinary items | $-793,000 | 8,035 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-793,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $488,000 | 1,722 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-837,160 | 8,043 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,082,000 | 2,087 |
| Total interest expense | $9,989,000 | 1,512 |
| Net interest income | $5,093,000 | 3,180 |
| Provision for loan and lease losses | $53,000 | 4,995 |
| Total noninterest income | $618,000 | 3,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $618,000 | 2,517 |
| Total noninterest expense | $6,516,000 | 2,094 |
| Salaries and employee benefits | $3,889,000 | 1,934 |
| Premises and equipment expense | $1,406,000 | 1,413 |
| Additional noninterest expense | $1,221,000 | 3,145 |
| Pre-tax net operating income | $-858,000 | 8,244 |
| Securities gains (losses) | $45,000 | 644 |
| Applicable income taxes | $-411,000 | 8,412 |
| Income before extraordinary items | $-402,000 | 8,073 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-402,000 | 8,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,271 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-430,800 | 8,086 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,532,000 | 2,191 |
| Total interest expense | $6,249,000 | 1,611 |
| Net interest income | $3,283,000 | 3,301 |
| Provision for loan and lease losses | $52,000 | 4,317 |
| Total noninterest income | $361,000 | 4,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $361,000 | 2,723 |
| Total noninterest expense | $4,372,000 | 2,107 |
| Salaries and employee benefits | $2,592,000 | 1,965 |
| Premises and equipment expense | $897,000 | 1,496 |
| Additional noninterest expense | $883,000 | 2,932 |
| Pre-tax net operating income | $-780,000 | 8,401 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-375,000 | 8,524 |
| Income before extraordinary items | $-405,000 | 8,270 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-405,000 | 8,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 1,635 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-405,000 | 8,261 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,614,000 | 2,254 |
| Total interest expense | $2,958,000 | 1,687 |
| Net interest income | $1,656,000 | 3,269 |
| Provision for loan and lease losses | $1,000 | 5,727 |
| Total noninterest income | $157,000 | 4,537 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $157,000 | 2,924 |
| Total noninterest expense | $2,137,000 | 2,166 |
| Salaries and employee benefits | $1,241,000 | 2,073 |
| Premises and equipment expense | $455,000 | 1,470 |
| Additional noninterest expense | $441,000 | 2,914 |
| Pre-tax net operating income | $-325,000 | 8,429 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-125,000 | 8,528 |
| Income before extraordinary items | $-200,000 | 8,330 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-200,000 | 8,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,074 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-200,000 | 8,318 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,242,000 | 2,392 |
| Total interest expense | $9,380,000 | 1,785 |
| Net interest income | $6,862,000 | 3,159 |
| Provision for loan and lease losses | $-947,000 | 8,626 |
| Total noninterest income | $910,000 | 3,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $910,000 | 2,373 |
| Total noninterest expense | $7,624,000 | 2,324 |
| Salaries and employee benefits | $4,462,000 | 2,193 |
| Premises and equipment expense | $1,594,000 | 1,611 |
| Additional noninterest expense | $1,568,000 | 3,178 |
| Pre-tax net operating income | $1,095,000 | 4,992 |
| Securities gains (losses) | $-30,000 | 7,718 |
| Applicable income taxes | $89,000 | 5,061 |
| Income before extraordinary items | $976,000 | 4,772 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $976,000 | 4,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $534,000 | 1,119 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,003,600 | 4,705 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,774,000 | 2,447 |
| Total interest expense | $6,551,000 | 1,848 |
| Net interest income | $5,223,000 | 3,147 |
| Provision for loan and lease losses | $-948,000 | 8,697 |
| Total noninterest income | $639,000 | 3,908 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $639,000 | 2,468 |
| Total noninterest expense | $5,832,000 | 2,265 |
| Salaries and employee benefits | $3,493,000 | 2,098 |
| Premises and equipment expense | $1,169,000 | 1,644 |
| Additional noninterest expense | $1,170,000 | 3,202 |
| Pre-tax net operating income | $978,000 | 4,770 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $11,000 | 6,190 |
| Income before extraordinary items | $967,000 | 4,251 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $967,000 | 4,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $578,000 | 724 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $967,000 | 4,240 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,501,000 | 2,505 |
| Total interest expense | $3,985,000 | 1,915 |
| Net interest income | $3,516,000 | 3,120 |
| Provision for loan and lease losses | $-799,000 | 8,732 |
| Total noninterest income | $433,000 | 3,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $433,000 | 2,429 |
| Total noninterest expense | $3,910,000 | 2,258 |
| Salaries and employee benefits | $2,337,000 | 2,095 |
| Premises and equipment expense | $757,000 | 1,692 |
| Additional noninterest expense | $816,000 | 3,085 |
| Pre-tax net operating income | $838,000 | 4,221 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $39,000 | 5,403 |
| Income before extraordinary items | $799,000 | 3,754 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $799,000 | 3,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 682 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $799,000 | 3,744 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,624,000 | 2,541 |
| Total interest expense | $1,787,000 | 2,003 |
| Net interest income | $1,837,000 | 2,997 |
| Provision for loan and lease losses | $-800,000 | 8,757 |
| Total noninterest income | $221,000 | 3,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $221,000 | 2,348 |
| Total noninterest expense | $1,921,000 | 2,315 |
| Salaries and employee benefits | $1,155,000 | 2,140 |
| Premises and equipment expense | $357,000 | 1,782 |
| Additional noninterest expense | $409,000 | 3,061 |
| Pre-tax net operating income | $937,000 | 2,389 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $116,000 | 3,388 |
| Income before extraordinary items | $821,000 | 2,134 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $821,000 | 2,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 568 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $821,000 | 2,120 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,174,000 | 2,336 |
| Total interest expense | $5,873,000 | 1,923 |
| Net interest income | $8,301,000 | 2,615 |
| Provision for loan and lease losses | $-1,166,000 | 8,784 |
| Total noninterest income | $894,000 | 3,813 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $894,000 | 2,371 |
| Total noninterest expense | $7,600,000 | 2,195 |
| Salaries and employee benefits | $4,337,000 | 2,126 |
| Premises and equipment expense | $1,623,000 | 1,503 |
| Additional noninterest expense | $1,640,000 | 3,014 |
| Pre-tax net operating income | $2,761,000 | 2,955 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,091,000 | 2,142 |
| Income before extraordinary items | $1,670,000 | 3,530 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,670,000 | 3,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,888 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,670,000 | 3,501 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,652,000 | 2,279 |
| Total interest expense | $4,267,000 | 1,868 |
| Net interest income | $6,385,000 | 2,533 |
| Provision for loan and lease losses | $-667,000 | 8,790 |
| Total noninterest income | $687,000 | 3,771 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $687,000 | 2,347 |
| Total noninterest expense | $5,541,000 | 2,243 |
| Salaries and employee benefits | $3,166,000 | 2,154 |
| Premises and equipment expense | $1,179,000 | 1,536 |
| Additional noninterest expense | $1,196,000 | 3,047 |
| Pre-tax net operating income | $2,198,000 | 2,846 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $873,000 | 2,076 |
| Income before extraordinary items | $1,325,000 | 3,443 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,325,000 | 3,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 1,598 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,325,000 | 3,400 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,168,000 | 2,205 |
| Total interest expense | $2,804,000 | 1,796 |
| Net interest income | $4,364,000 | 2,460 |
| Provision for loan and lease losses | $-668,000 | 8,809 |
| Total noninterest income | $395,000 | 4,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $395,000 | 2,567 |
| Total noninterest expense | $3,719,000 | 2,207 |
| Salaries and employee benefits | $2,078,000 | 2,177 |
| Premises and equipment expense | $768,000 | 1,573 |
| Additional noninterest expense | $873,000 | 2,798 |
| Pre-tax net operating income | $1,708,000 | 2,465 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $687,000 | 1,812 |
| Income before extraordinary items | $1,021,000 | 3,040 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,021,000 | 3,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,566 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,021,000 | 2,995 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,532,000 | 2,190 |
| Total interest expense | $1,377,000 | 1,733 |
| Net interest income | $2,155,000 | 2,479 |
| Provision for loan and lease losses | $1,000 | 6,172 |
| Total noninterest income | $182,000 | 4,226 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $182,000 | 2,636 |
| Total noninterest expense | $1,899,000 | 2,175 |
| Salaries and employee benefits | $1,077,000 | 2,118 |
| Premises and equipment expense | $388,000 | 1,565 |
| Additional noninterest expense | $434,000 | 2,794 |
| Pre-tax net operating income | $437,000 | 4,044 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $164,000 | 2,951 |
| Income before extraordinary items | $273,000 | 4,628 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $273,000 | 4,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $273,000 | 4,588 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,936,000 | 2,031 |
| Total interest expense | $5,205,000 | 1,577 |
| Net interest income | $8,731,000 | 2,341 |
| Provision for loan and lease losses | $838,000 | 1,241 |
| Total noninterest income | $741,000 | 4,261 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $741,000 | 2,624 |
| Total noninterest expense | $7,578,000 | 2,103 |
| Salaries and employee benefits | $4,265,000 | 2,042 |
| Premises and equipment expense | $1,546,000 | 1,492 |
| Additional noninterest expense | $1,767,000 | 2,698 |
| Pre-tax net operating income | $1,056,000 | 5,100 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $359,000 | 3,895 |
| Income before extraordinary items | $697,000 | 5,596 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $697,000 | 5,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-240,000 | 8,891 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $697,000 | 5,527 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,321,000 | 2,031 |
| Total interest expense | $3,818,000 | 1,581 |
| Net interest income | $6,503,000 | 2,317 |
| Provision for loan and lease losses | $802,000 | 953 |
| Total noninterest income | $527,000 | 4,387 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $527,000 | 2,709 |
| Total noninterest expense | $5,615,000 | 2,124 |
| Salaries and employee benefits | $3,114,000 | 2,100 |
| Premises and equipment expense | $1,150,000 | 1,507 |
| Additional noninterest expense | $1,351,000 | 2,622 |
| Pre-tax net operating income | $613,000 | 5,846 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $172,000 | 4,669 |
| Income before extraordinary items | $441,000 | 6,098 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $441,000 | 6,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-138,000 | 8,858 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $441,000 | 6,022 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,754,000 | 2,057 |
| Total interest expense | $2,505,000 | 1,582 |
| Net interest income | $4,249,000 | 2,356 |
| Provision for loan and lease losses | $618,000 | 812 |
| Total noninterest income | $369,000 | 4,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $369,000 | 2,644 |
| Total noninterest expense | $3,611,000 | 2,192 |
| Salaries and employee benefits | $1,927,000 | 2,242 |
| Premises and equipment expense | $773,000 | 1,500 |
| Additional noninterest expense | $911,000 | 2,594 |
| Pre-tax net operating income | $389,000 | 5,921 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $105,000 | 4,774 |
| Income before extraordinary items | $284,000 | 6,155 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 6,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,808 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $284,000 | 6,080 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,364,000 | 2,082 |
| Total interest expense | $1,230,000 | 1,635 |
| Net interest income | $2,134,000 | 2,335 |
| Provision for loan and lease losses | $334,000 | 733 |
| Total noninterest income | $118,000 | 5,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $118,000 | 3,377 |
| Total noninterest expense | $1,764,000 | 2,256 |
| Salaries and employee benefits | $971,000 | 2,259 |
| Premises and equipment expense | $370,000 | 1,591 |
| Additional noninterest expense | $423,000 | 2,753 |
| Pre-tax net operating income | $154,000 | 6,389 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $39,000 | 5,128 |
| Income before extraordinary items | $115,000 | 6,613 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $115,000 | 6,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-252,000 | 9,062 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $115,000 | 6,494 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,415,000 | 1,960 |
| Total interest expense | $5,902,000 | 1,505 |
| Net interest income | $8,513,000 | 2,279 |
| Provision for loan and lease losses | $4,343,000 | 361 |
| Total noninterest income | $727,000 | 4,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $727,000 | 2,893 |
| Total noninterest expense | $7,256,000 | 2,175 |
| Salaries and employee benefits | $3,761,000 | 2,262 |
| Premises and equipment expense | $1,409,000 | 1,619 |
| Additional noninterest expense | $2,086,000 | 2,310 |
| Pre-tax net operating income | $-2,359,000 | 9,091 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-782,000 | 9,121 |
| Income before extraordinary items | $-1,577,000 | 9,096 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,577,000 | 9,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,499,000 | 474 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,577,000 | 9,056 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,883,000 | 1,984 |
| Total interest expense | $4,646,000 | 1,499 |
| Net interest income | $6,237,000 | 2,342 |
| Provision for loan and lease losses | $2,844,000 | 408 |
| Total noninterest income | $553,000 | 4,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $553,000 | 2,957 |
| Total noninterest expense | $5,536,000 | 2,144 |
| Salaries and employee benefits | $2,898,000 | 2,198 |
| Premises and equipment expense | $1,013,000 | 1,687 |
| Additional noninterest expense | $1,625,000 | 2,209 |
| Pre-tax net operating income | $-1,590,000 | 9,137 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-485,000 | 9,169 |
| Income before extraordinary items | $-1,105,000 | 9,135 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,105,000 | 9,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,275,000 | 396 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,105,000 | 9,096 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,387,000 | 1,966 |
| Total interest expense | $3,283,000 | 1,470 |
| Net interest income | $4,104,000 | 2,368 |
| Provision for loan and lease losses | $1,771,000 | 425 |
| Total noninterest income | $399,000 | 4,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $399,000 | 2,808 |
| Total noninterest expense | $3,595,000 | 2,184 |
| Salaries and employee benefits | $1,904,000 | 2,223 |
| Premises and equipment expense | $665,000 | 1,709 |
| Additional noninterest expense | $1,026,000 | 2,310 |
| Pre-tax net operating income | $-863,000 | 9,138 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-216,000 | 9,181 |
| Income before extraordinary items | $-647,000 | 9,167 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-647,000 | 9,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $535,000 | 815 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-647,000 | 9,117 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,767,000 | 1,945 |
| Total interest expense | $1,752,000 | 1,410 |
| Net interest income | $2,015,000 | 2,411 |
| Provision for loan and lease losses | $1,407,000 | 302 |
| Total noninterest income | $192,000 | 4,272 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $192,000 | 2,784 |
| Total noninterest expense | $1,770,000 | 2,204 |
| Salaries and employee benefits | $966,000 | 2,184 |
| Premises and equipment expense | $335,000 | 1,702 |
| Additional noninterest expense | $469,000 | 2,483 |
| Pre-tax net operating income | $-970,000 | 9,260 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-392,000 | 9,279 |
| Income before extraordinary items | $-578,000 | 9,255 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-578,000 | 9,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $502,000 | 498 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-578,000 | 9,216 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,127,000 | 1,808 |
| Total interest expense | $9,013,000 | 1,248 |
| Net interest income | $8,114,000 | 2,368 |
| Provision for loan and lease losses | $7,550,000 | 289 |
| Total noninterest income | $890,000 | 3,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $890,000 | 2,344 |
| Total noninterest expense | $6,022,000 | 2,452 |
| Salaries and employee benefits | $3,289,000 | 2,424 |
| Premises and equipment expense | $1,283,000 | 1,718 |
| Additional noninterest expense | $1,450,000 | 3,028 |
| Pre-tax net operating income | $-4,568,000 | 9,312 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-1,924,000 | 9,321 |
| Income before extraordinary items | $-2,644,000 | 9,301 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-2,644,000 | 9,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,158,000 | 258 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 858 |
| Net operating income | $-2,644,000 | 9,280 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,142,000 | 1,890 |
| Total interest expense | $11,746,000 | 1,379 |
| Net interest income | $6,396,000 | 2,775 |
| Provision for loan and lease losses | $425,000 | 2,486 |
| Total noninterest income | $426,000 | 5,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $426,000 | 3,410 |
| Total noninterest expense | $5,391,000 | 2,621 |
| Salaries and employee benefits | $2,842,000 | 2,642 |
| Premises and equipment expense | $1,273,000 | 1,698 |
| Additional noninterest expense | $1,276,000 | 3,305 |
| Pre-tax net operating income | $1,006,000 | 4,879 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $392,000 | 3,774 |
| Income before extraordinary items | $614,000 | 5,561 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $614,000 | 5,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,171 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $614,000 | 5,429 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,163,000 | 1,929 |
| Total interest expense | $11,023,000 | 1,559 |
| Net interest income | $7,140,000 | 2,496 |
| Provision for loan and lease losses | $281,000 | 2,998 |
| Total noninterest income | $237,000 | 6,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $237,000 | 4,407 |
| Total noninterest expense | $4,361,000 | 3,086 |
| Salaries and employee benefits | $2,443,000 | 2,889 |
| Premises and equipment expense | $869,000 | 2,382 |
| Additional noninterest expense | $1,049,000 | 3,847 |
| Pre-tax net operating income | $2,735,000 | 2,576 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,003,000 | 2,109 |
| Income before extraordinary items | $1,732,000 | 2,885 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,732,000 | 2,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,598 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,732,000 | 2,881 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,584,000 | 2,090 |
| Total interest expense | $8,944,000 | 1,677 |
| Net interest income | $6,640,000 | 2,636 |
| Provision for loan and lease losses | $305,000 | 2,603 |
| Total noninterest income | $372,000 | 5,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $372,000 | 3,573 |
| Total noninterest expense | $4,149,000 | 3,205 |
| Salaries and employee benefits | $2,267,000 | 3,065 |
| Premises and equipment expense | $830,000 | 2,440 |
| Additional noninterest expense | $1,052,000 | 3,855 |
| Pre-tax net operating income | $2,558,000 | 2,740 |
| Securities gains (losses) | $26,000 | 1,258 |
| Applicable income taxes | $1,025,000 | 2,180 |
| Income before extraordinary items | $1,559,000 | 3,149 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,559,000 | 3,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,542,360 | 3,135 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,625,000 | 2,231 |
| Total interest expense | $8,266,000 | 1,854 |
| Net interest income | $6,359,000 | 2,696 |
| Provision for loan and lease losses | $59,000 | 6,351 |
| Total noninterest income | $270,000 | 6,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $270,000 | 4,239 |
| Total noninterest expense | $3,963,000 | 3,217 |
| Salaries and employee benefits | $2,195,000 | 3,055 |
| Premises and equipment expense | $837,000 | 2,330 |
| Additional noninterest expense | $931,000 | 4,182 |
| Pre-tax net operating income | $2,607,000 | 2,675 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $939,000 | 2,422 |
| Income before extraordinary items | $1,668,000 | 2,976 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,668,000 | 2,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,450 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,668,000 | 2,890 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,177,000 | 2,300 |
| Total interest expense | $7,797,000 | 1,978 |
| Net interest income | $6,380,000 | 2,728 |
| Provision for loan and lease losses | $69,000 | 5,965 |
| Total noninterest income | $849,000 | 3,433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $849,000 | 1,952 |
| Total noninterest expense | $3,617,000 | 3,502 |
| Salaries and employee benefits | $1,981,000 | 3,342 |
| Premises and equipment expense | $834,000 | 2,336 |
| Additional noninterest expense | $802,000 | 4,715 |
| Pre-tax net operating income | $3,543,000 | 2,125 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,276,000 | 1,965 |
| Income before extraordinary items | $2,267,000 | 2,314 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,267,000 | 2,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,267,000 | 2,258 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,928,000 | 2,399 |
| Total interest expense | $7,874,000 | 1,993 |
| Net interest income | $6,054,000 | 2,929 |
| Provision for loan and lease losses | $72,000 | 5,782 |
| Total noninterest income | $314,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $314,000 | 3,969 |
| Total noninterest expense | $4,731,000 | 2,888 |
| Salaries and employee benefits | $1,901,000 | 3,494 |
| Premises and equipment expense | $707,000 | 2,768 |
| Additional noninterest expense | $2,123,000 | 2,320 |
| Pre-tax net operating income | $1,565,000 | 4,189 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $534,000 | 3,939 |
| Income before extraordinary items | $1,031,000 | 4,373 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,031,000 | 4,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,349 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,031,000 | 4,320 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,410,000 | 2,495 |
| Total interest expense | $7,361,000 | 2,124 |
| Net interest income | $6,049,000 | 2,945 |
| Provision for loan and lease losses | $131,000 | 3,921 |
| Total noninterest income | $331,000 | 6,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $331,000 | 3,761 |
| Total noninterest expense | $3,488,000 | 3,763 |
| Salaries and employee benefits | $1,849,000 | 3,560 |
| Premises and equipment expense | $643,000 | 3,031 |
| Additional noninterest expense | $996,000 | 4,365 |
| Pre-tax net operating income | $2,761,000 | 2,610 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,068,000 | 2,243 |
| Income before extraordinary items | $1,693,000 | 2,909 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,693,000 | 2,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,693,000 | 2,871 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,476,000 | 2,429 |
| Total interest expense | $6,510,000 | 1,918 |
| Net interest income | $5,966,000 | 3,009 |
| Provision for loan and lease losses | $127,000 | 3,933 |
| Total noninterest income | $352,000 | 6,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $352,000 | 3,704 |
| Total noninterest expense | $3,346,000 | 4,005 |
| Salaries and employee benefits | $1,792,000 | 3,633 |
| Premises and equipment expense | $614,000 | 3,203 |
| Additional noninterest expense | $940,000 | 4,978 |
| Pre-tax net operating income | $2,845,000 | 2,490 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,208,000 | 1,868 |
| Income before extraordinary items | $1,637,000 | 2,938 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,637,000 | 2,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,783 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,637,000 | 2,963 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,420,000 | 2,306 |
| Total interest expense | $7,099,000 | 1,833 |
| Net interest income | $6,321,000 | 2,873 |
| Provision for loan and lease losses | $127,000 | 5,073 |
| Total noninterest income | $385,000 | 6,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $385,000 | 3,847 |
| Total noninterest expense | $3,278,000 | 4,163 |
| Salaries and employee benefits | $1,754,000 | 3,704 |
| Premises and equipment expense | $609,000 | 3,280 |
| Additional noninterest expense | $915,000 | 5,293 |
| Pre-tax net operating income | $3,301,000 | 2,059 |
| Securities gains (losses) | $12,000 | 5,266 |
| Applicable income taxes | $1,129,000 | 2,030 |
| Income before extraordinary items | $2,184,000 | 2,285 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,184,000 | 2,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,951 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,176,080 | 2,161 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,825,000 | 2,369 |
| Total interest expense | $8,773,000 | 1,933 |
| Net interest income | $6,052,000 | 3,023 |
| Provision for loan and lease losses | $96,000 | 7,391 |
| Total noninterest income | $325,000 | 7,403 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $325,000 | 4,215 |
| Total noninterest expense | $2,999,000 | 4,538 |
| Salaries and employee benefits | $1,503,000 | 4,225 |
| Premises and equipment expense | $543,000 | 3,691 |
| Additional noninterest expense | $953,000 | 5,258 |
| Pre-tax net operating income | $3,282,000 | 1,893 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,073,000 | 1,977 |
| Income before extraordinary items | $2,209,000 | 2,082 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,209,000 | 2,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 6,844 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,209,000 | 1,907 |
* 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.