Home > George State Bank > Income and Expense
George State Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $689,000 | 7,119 |
| Total interest expense | $289,000 | 6,992 |
| Net interest income | $400,000 | 7,101 |
| Provision for loan and lease losses | $66,000 | 2,646 |
| Total noninterest income | $31,000 | 7,421 |
| Gross Fiduciary activities income | $2,000 | 1,213 |
| Service charges on deposit accounts | $23,000 | 6,169 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $241,000 | 7,773 |
| Salaries and employee benefits | $176,000 | 7,310 |
| Premises and equipment expense | $15,000 | 8,211 |
| Additional noninterest expense | $50,000 | 8,087 |
| Pre-tax net operating income | $124,000 | 6,375 |
| Securities gains (losses) | $-18,000 | 8,359 |
| Applicable income taxes | $8,000 | 5,466 |
| Income before extraordinary items | $98,000 | 6,436 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $98,000 | 6,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $75,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $114,560 | 6,166 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 7,039 |
| Total interest expense | $1,061,000 | 6,822 |
| Net interest income | $1,581,000 | 7,071 |
| Provision for loan and lease losses | $-66,000 | 8,427 |
| Total noninterest income | $151,000 | 7,299 |
| Gross Fiduciary activities income | $1,000 | 1,470 |
| Service charges on deposit accounts | $134,000 | 5,719 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 8,092 |
| Total noninterest expense | $1,002,000 | 7,708 |
| Salaries and employee benefits | $709,000 | 7,242 |
| Premises and equipment expense | $86,000 | 7,956 |
| Additional noninterest expense | $207,000 | 8,079 |
| Pre-tax net operating income | $796,000 | 5,665 |
| Securities gains (losses) | $-7,000 | 7,181 |
| Applicable income taxes | $34,000 | 5,690 |
| Income before extraordinary items | $755,000 | 5,338 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $755,000 | 5,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,000 |
| Cash dividends | $675,000 | 3,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $761,720 | 5,314 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,969,000 | 7,096 |
| Total interest expense | $776,000 | 6,844 |
| Net interest income | $1,193,000 | 7,157 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $114,000 | 7,349 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $102,000 | 5,761 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,185 |
| Total noninterest expense | $713,000 | 7,785 |
| Salaries and employee benefits | $510,000 | 7,332 |
| Premises and equipment expense | $75,000 | 7,834 |
| Additional noninterest expense | $128,000 | 8,304 |
| Pre-tax net operating income | $594,000 | 5,879 |
| Securities gains (losses) | $-7,000 | 7,492 |
| Applicable income taxes | $27,000 | 5,818 |
| Income before extraordinary items | $560,000 | 5,530 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $560,000 | 5,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $252,000 | 3,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $566,650 | 5,500 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,291,000 | 7,133 |
| Total interest expense | $488,000 | 6,903 |
| Net interest income | $803,000 | 7,184 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $74,000 | 7,429 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $64,000 | 5,863 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,144 |
| Total noninterest expense | $463,000 | 7,854 |
| Salaries and employee benefits | $336,000 | 7,391 |
| Premises and equipment expense | $43,000 | 8,003 |
| Additional noninterest expense | $84,000 | 8,338 |
| Pre-tax net operating income | $414,000 | 5,829 |
| Securities gains (losses) | $-7,000 | 7,777 |
| Applicable income taxes | $18,000 | 5,852 |
| Income before extraordinary items | $389,000 | 5,443 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $389,000 | 5,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $150,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $395,720 | 5,412 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $621,000 | 7,198 |
| Total interest expense | $227,000 | 6,988 |
| Net interest income | $394,000 | 7,227 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $38,000 | 7,377 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $30,000 | 5,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 7,855 |
| Total noninterest expense | $226,000 | 7,906 |
| Salaries and employee benefits | $166,000 | 7,435 |
| Premises and equipment expense | $20,000 | 8,084 |
| Additional noninterest expense | $40,000 | 8,386 |
| Pre-tax net operating income | $206,000 | 5,784 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $9,000 | 5,806 |
| Income before extraordinary items | $197,000 | 5,386 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 5,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $75,000 | 3,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $197,000 | 5,391 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,441,000 | 7,061 |
| Total interest expense | $806,000 | 6,765 |
| Net interest income | $1,635,000 | 7,116 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $143,000 | 7,566 |
| Gross Fiduciary activities income | $2,000 | 1,452 |
| Service charges on deposit accounts | $125,000 | 5,931 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $16,000 | 8,235 |
| Total noninterest expense | $985,000 | 7,775 |
| Salaries and employee benefits | $686,000 | 7,317 |
| Premises and equipment expense | $79,000 | 8,119 |
| Additional noninterest expense | $220,000 | 8,106 |
| Pre-tax net operating income | $793,000 | 5,889 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $36,000 | 6,053 |
| Income before extraordinary items | $757,000 | 5,481 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $757,000 | 5,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,996 |
| Cash dividends | $750,000 | 2,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $757,000 | 5,452 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,811,000 | 7,098 |
| Total interest expense | $590,000 | 6,754 |
| Net interest income | $1,221,000 | 7,159 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $108,000 | 7,578 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $96,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,325 |
| Total noninterest expense | $712,000 | 7,817 |
| Salaries and employee benefits | $502,000 | 7,357 |
| Premises and equipment expense | $69,000 | 7,963 |
| Additional noninterest expense | $141,000 | 8,294 |
| Pre-tax net operating income | $617,000 | 5,937 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $34,000 | 6,012 |
| Income before extraordinary items | $583,000 | 5,528 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $583,000 | 5,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $225,000 | 3,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $583,000 | 5,492 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,172,000 | 7,133 |
| Total interest expense | $365,000 | 6,813 |
| Net interest income | $807,000 | 7,167 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $71,000 | 7,596 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $61,000 | 5,980 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $9,000 | 8,213 |
| Total noninterest expense | $461,000 | 7,877 |
| Salaries and employee benefits | $338,000 | 7,328 |
| Premises and equipment expense | $41,000 | 8,078 |
| Additional noninterest expense | $82,000 | 8,418 |
| Pre-tax net operating income | $417,000 | 5,879 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $23,000 | 6,019 |
| Income before extraordinary items | $394,000 | 5,489 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $394,000 | 5,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $150,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $394,000 | 5,450 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $569,000 | 7,224 |
| Total interest expense | $172,000 | 6,893 |
| Net interest income | $397,000 | 7,264 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $38,000 | 7,492 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 8,020 |
| Total noninterest expense | $231,000 | 7,941 |
| Salaries and employee benefits | $170,000 | 7,373 |
| Premises and equipment expense | $21,000 | 8,119 |
| Additional noninterest expense | $40,000 | 8,488 |
| Pre-tax net operating income | $204,000 | 5,922 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $11,000 | 6,040 |
| Income before extraordinary items | $193,000 | 5,506 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $193,000 | 5,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $75,000 | 3,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $193,000 | 5,473 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,402,000 | 6,986 |
| Total interest expense | $672,000 | 6,681 |
| Net interest income | $1,730,000 | 7,002 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $152,000 | 7,594 |
| Gross Fiduciary activities income | $1,000 | 1,536 |
| Service charges on deposit accounts | $134,000 | 5,995 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $17,000 | 8,308 |
| Total noninterest expense | $1,017,000 | 7,782 |
| Salaries and employee benefits | $684,000 | 7,339 |
| Premises and equipment expense | $87,000 | 8,124 |
| Additional noninterest expense | $246,000 | 8,015 |
| Pre-tax net operating income | $865,000 | 5,599 |
| Securities gains (losses) | $28,000 | 2,163 |
| Applicable income taxes | $45,000 | 6,100 |
| Income before extraordinary items | $848,000 | 5,130 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $848,000 | 5,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,212 |
| Cash dividends | $840,000 | 2,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $821,400 | 5,135 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,821,000 | 6,975 |
| Total interest expense | $504,000 | 6,682 |
| Net interest income | $1,317,000 | 6,978 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $115,000 | 7,615 |
| Gross Fiduciary activities income | $1,000 | 1,478 |
| Service charges on deposit accounts | $101,000 | 6,037 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 8,331 |
| Total noninterest expense | $732,000 | 7,838 |
| Salaries and employee benefits | $498,000 | 7,355 |
| Premises and equipment expense | $73,000 | 7,993 |
| Additional noninterest expense | $161,000 | 8,231 |
| Pre-tax net operating income | $700,000 | 5,522 |
| Securities gains (losses) | $28,000 | 2,085 |
| Applicable income taxes | $35,000 | 6,189 |
| Income before extraordinary items | $693,000 | 4,982 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $693,000 | 4,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,094 |
| Cash dividends | $225,000 | 3,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $666,400 | 4,992 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,203,000 | 7,029 |
| Total interest expense | $326,000 | 6,780 |
| Net interest income | $877,000 | 7,003 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $80,000 | 7,595 |
| Gross Fiduciary activities income | $1,000 | 1,443 |
| Service charges on deposit accounts | $69,000 | 5,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,000 | 8,299 |
| Total noninterest expense | $485,000 | 7,897 |
| Salaries and employee benefits | $336,000 | 7,391 |
| Premises and equipment expense | $42,000 | 8,198 |
| Additional noninterest expense | $107,000 | 8,267 |
| Pre-tax net operating income | $472,000 | 5,456 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $23,000 | 6,209 |
| Income before extraordinary items | $447,000 | 5,019 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $447,000 | 5,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,017 |
| Cash dividends | $150,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $448,900 | 4,926 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $601,000 | 7,069 |
| Total interest expense | $161,000 | 6,883 |
| Net interest income | $440,000 | 7,037 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $41,000 | 7,560 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $33,000 | 6,033 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $221,000 | 8,092 |
| Salaries and employee benefits | $156,000 | 7,599 |
| Premises and equipment expense | $20,000 | 8,263 |
| Additional noninterest expense | $45,000 | 8,517 |
| Pre-tax net operating income | $260,000 | 5,172 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $248,000 | 4,782 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $248,000 | 4,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $75,000 | 3,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $248,000 | 4,660 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,532,000 | 7,006 |
| Total interest expense | $748,000 | 6,883 |
| Net interest income | $1,784,000 | 6,925 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $157,000 | 7,731 |
| Gross Fiduciary activities income | $1,000 | 1,575 |
| Service charges on deposit accounts | $137,000 | 6,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $19,000 | 8,467 |
| Total noninterest expense | $991,000 | 7,902 |
| Salaries and employee benefits | $669,000 | 7,418 |
| Premises and equipment expense | $103,000 | 8,029 |
| Additional noninterest expense | $219,000 | 8,314 |
| Pre-tax net operating income | $950,000 | 5,303 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $46,000 | 6,343 |
| Income before extraordinary items | $904,000 | 4,927 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $904,000 | 4,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,866 |
| Cash dividends | $900,000 | 2,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $904,000 | 4,767 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,925,000 | 7,052 |
| Total interest expense | $580,000 | 6,942 |
| Net interest income | $1,345,000 | 6,951 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $119,000 | 7,779 |
| Gross Fiduciary activities income | $1,000 | 1,533 |
| Service charges on deposit accounts | $104,000 | 6,055 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $14,000 | 8,509 |
| Total noninterest expense | $694,000 | 8,035 |
| Salaries and employee benefits | $493,000 | 7,424 |
| Premises and equipment expense | $72,000 | 8,138 |
| Additional noninterest expense | $129,000 | 8,640 |
| Pre-tax net operating income | $770,000 | 5,250 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $38,000 | 6,421 |
| Income before extraordinary items | $732,000 | 4,864 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $732,000 | 4,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $225,000 | 3,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $732,000 | 4,672 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,293,000 | 7,077 |
| Total interest expense | $399,000 | 6,983 |
| Net interest income | $894,000 | 6,973 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $76,000 | 7,845 |
| Gross Fiduciary activities income | $1,000 | 1,488 |
| Service charges on deposit accounts | $66,000 | 6,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $9,000 | 8,523 |
| Total noninterest expense | $453,000 | 8,091 |
| Salaries and employee benefits | $327,000 | 7,460 |
| Premises and equipment expense | $41,000 | 8,360 |
| Additional noninterest expense | $85,000 | 8,662 |
| Pre-tax net operating income | $517,000 | 5,238 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $25,000 | 6,463 |
| Income before extraordinary items | $492,000 | 4,846 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $492,000 | 4,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $492,000 | 4,631 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $651,000 | 7,104 |
| Total interest expense | $205,000 | 7,010 |
| Net interest income | $446,000 | 6,986 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $40,000 | 7,748 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $32,000 | 6,144 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $217,000 | 8,198 |
| Salaries and employee benefits | $153,000 | 7,669 |
| Premises and equipment expense | $21,000 | 8,333 |
| Additional noninterest expense | $43,000 | 8,690 |
| Pre-tax net operating income | $269,000 | 5,079 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $13,000 | 6,407 |
| Income before extraordinary items | $256,000 | 4,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $256,000 | 4,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $75,000 | 3,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $256,000 | 4,449 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,828,000 | 7,025 |
| Total interest expense | $1,005,000 | 6,915 |
| Net interest income | $1,823,000 | 6,913 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $172,000 | 7,594 |
| Gross Fiduciary activities income | $2,000 | 1,605 |
| Service charges on deposit accounts | $152,000 | 5,808 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 8,612 |
| Total noninterest expense | $1,046,000 | 7,844 |
| Salaries and employee benefits | $671,000 | 7,398 |
| Premises and equipment expense | $106,000 | 8,090 |
| Additional noninterest expense | $269,000 | 8,037 |
| Pre-tax net operating income | $949,000 | 5,348 |
| Securities gains (losses) | $19,000 | 3,191 |
| Applicable income taxes | $66,000 | 6,332 |
| Income before extraordinary items | $902,000 | 4,882 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $902,000 | 4,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,779 |
| Cash dividends | $915,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $884,330 | 4,800 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,273,000 | 6,955 |
| Total interest expense | $1,520,000 | 6,935 |
| Net interest income | $1,753,000 | 6,885 |
| Provision for loan and lease losses | $25,000 | 7,375 |
| Total noninterest income | $156,000 | 7,787 |
| Gross Fiduciary activities income | $2,000 | 1,637 |
| Service charges on deposit accounts | $139,000 | 5,956 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $15,000 | 8,930 |
| Total noninterest expense | $959,000 | 8,073 |
| Salaries and employee benefits | $632,000 | 7,525 |
| Premises and equipment expense | $94,000 | 8,393 |
| Additional noninterest expense | $233,000 | 8,384 |
| Pre-tax net operating income | $925,000 | 5,104 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $48,000 | 6,752 |
| Income before extraordinary items | $879,000 | 4,628 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $879,000 | 4,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,919 |
| Cash dividends | $900,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $877,100 | 4,534 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,225,000 | 7,191 |
| Total interest expense | $1,573,000 | 7,021 |
| Net interest income | $1,652,000 | 7,206 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $134,000 | 8,124 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 6,469 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,576 |
| Total noninterest expense | $893,000 | 8,314 |
| Salaries and employee benefits | $579,000 | 7,810 |
| Premises and equipment expense | $89,000 | 8,632 |
| Additional noninterest expense | $225,000 | 8,560 |
| Pre-tax net operating income | $893,000 | 5,574 |
| Securities gains (losses) | $-13,000 | 8,489 |
| Applicable income taxes | $47,000 | 7,287 |
| Income before extraordinary items | $833,000 | 4,932 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $833,000 | 4,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 9,482 |
| Cash dividends | $825,000 | 2,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $845,350 | 4,883 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,165,000 | 7,185 |
| Total interest expense | $1,469,000 | 7,058 |
| Net interest income | $1,696,000 | 7,204 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $142,000 | 8,207 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 6,468 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 8,915 |
| Total noninterest expense | $857,000 | 8,573 |
| Salaries and employee benefits | $539,000 | 8,106 |
| Premises and equipment expense | $97,000 | 8,686 |
| Additional noninterest expense | $221,000 | 8,831 |
| Pre-tax net operating income | $931,000 | 5,518 |
| Securities gains (losses) | $-19,000 | 9,530 |
| Applicable income taxes | $46,000 | 7,701 |
| Income before extraordinary items | $866,000 | 4,848 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $866,000 | 4,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,940 |
| Cash dividends | $855,000 | 2,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $884,050 | 4,754 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,161,000 | 7,339 |
| Total interest expense | $1,527,000 | 7,129 |
| Net interest income | $1,634,000 | 7,402 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $148,000 | 8,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,463 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,114 |
| Total noninterest expense | $817,000 | 8,722 |
| Salaries and employee benefits | $493,000 | 8,405 |
| Premises and equipment expense | $101,000 | 8,682 |
| Additional noninterest expense | $223,000 | 8,869 |
| Pre-tax net operating income | $815,000 | 6,036 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $41,000 | 8,488 |
| Income before extraordinary items | $774,000 | 5,291 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $774,000 | 5,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,066 |
| Cash dividends | $765,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $774,000 | 5,194 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,123,000 | 7,602 |
| Total interest expense | $1,480,000 | 7,396 |
| Net interest income | $1,643,000 | 7,679 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $172,000 | 8,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 6,560 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $801,000 | 9,028 |
| Salaries and employee benefits | $488,000 | 8,691 |
| Premises and equipment expense | $103,000 | 8,887 |
| Additional noninterest expense | $210,000 | 9,270 |
| Pre-tax net operating income | $964,000 | 5,942 |
| Securities gains (losses) | $-25,000 | 10,445 |
| Applicable income taxes | $149,000 | 7,627 |
| Income before extraordinary items | $790,000 | 5,502 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $790,000 | 5,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $780,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $811,000 | 5,356 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,928,000 | 8,085 |
| Total interest expense | $1,439,000 | 7,729 |
| Net interest income | $1,489,000 | 8,293 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $176,000 | 8,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 6,752 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,308 |
| Total noninterest expense | $769,000 | 9,554 |
| Salaries and employee benefits | $477,000 | 9,048 |
| Premises and equipment expense | $105,000 | 9,153 |
| Additional noninterest expense | $187,000 | 10,089 |
| Pre-tax net operating income | $871,000 | 6,198 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $272,000 | 6,150 |
| Income before extraordinary items | $608,000 | 6,226 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $608,000 | 6,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,310 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $601,790 | 6,203 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,924,000 | 8,326 |
| Total interest expense | $1,514,000 | 7,663 |
| Net interest income | $1,410,000 | 8,775 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $203,000 | 8,383 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 6,984 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,433 |
| Total noninterest expense | $781,000 | 9,855 |
| Salaries and employee benefits | $448,000 | 9,547 |
| Premises and equipment expense | $96,000 | 9,727 |
| Additional noninterest expense | $237,000 | 9,968 |
| Pre-tax net operating income | $707,000 | 7,291 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $204,000 | 7,346 |
| Income before extraordinary items | $503,000 | 7,230 |
| Extraordinary gains, net | $57,000 | 34 |
| Net income | $560,000 | 6,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,707 |
| Cash dividends | $555,000 | 3,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $503,000 | 7,203 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,652,000 | 8,649 |
| Total interest expense | $1,213,000 | 7,849 |
| Net interest income | $1,439,000 | 9,045 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $236,000 | 8,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,989 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,838 |
| Total noninterest expense | $879,000 | 9,868 |
| Salaries and employee benefits | $503,000 | 9,364 |
| Premises and equipment expense | $82,000 | 10,584 |
| Additional noninterest expense | $294,000 | 10,033 |
| Pre-tax net operating income | $796,000 | 6,888 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $229,000 | 6,867 |
| Income before extraordinary items | $569,000 | 6,771 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $569,000 | 6,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $555,000 | 2,960 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $567,580 | 6,837 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,728,000 | 8,780 |
| Total interest expense | $1,210,000 | 8,207 |
| Net interest income | $1,518,000 | 9,044 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $221,000 | 8,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 7,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,496 |
| Total noninterest expense | $860,000 | 10,390 |
| Salaries and employee benefits | $484,000 | 9,832 |
| Premises and equipment expense | $76,000 | 11,310 |
| Additional noninterest expense | $300,000 | 10,450 |
| Pre-tax net operating income | $879,000 | 6,428 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $254,000 | 6,727 |
| Income before extraordinary items | $625,000 | 6,597 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $625,000 | 6,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 12,611 |
| Cash dividends | $600,000 | 2,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $625,000 | 6,354 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,015,000 | 8,943 |
| Total interest expense | $1,458,000 | 8,651 |
| Net interest income | $1,557,000 | 9,085 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $169,000 | 10,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 8,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $810,000 | 10,957 |
| Salaries and employee benefits | $456,000 | 10,245 |
| Premises and equipment expense | $44,000 | 12,911 |
| Additional noninterest expense | $310,000 | 10,697 |
| Pre-tax net operating income | $916,000 | 6,008 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $273,000 | 6,323 |
| Income before extraordinary items | $643,000 | 6,265 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $643,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 12,970 |
| Cash dividends | $575,000 | 2,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $643,000 | 5,926 |
* 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.