Home > Georgia Bank & Trust > Income and Expense
Georgia Bank & Trust, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,644,000 | 1,432 |
| Total interest expense | $1,642,000 | 1,438 |
| Net interest income | $4,002,000 | 1,430 |
| Provision for loan and lease losses | $7,763,000 | 276 |
| Total noninterest income | $683,000 | 1,625 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $458,000 | 855 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $225,000 | 2,226 |
| Total noninterest expense | $2,653,000 | 1,877 |
| Salaries and employee benefits | $1,239,000 | 1,991 |
| Premises and equipment expense | $206,000 | 3,053 |
| Additional noninterest expense | $1,208,000 | 1,462 |
| Pre-tax net operating income | $-5,731,000 | 7,787 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $5,961,000 | 119 |
| Income before extraordinary items | $-11,692,000 | 7,861 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-11,692,000 | 7,862 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-11,692,000 | 7,862 |
| Net charge-offs | $7,889,000 | 236 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 398 |
| Net operating income | $-11,692,000 | 7,861 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $24,262,000 | 1,422 |
| Total interest expense | $9,083,000 | 1,312 |
| Net interest income | $15,179,000 | 1,478 |
| Provision for loan and lease losses | $16,530,000 | 567 |
| Total noninterest income | $2,347,000 | 1,903 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,053,000 | 839 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $294,000 | 4,018 |
| Total noninterest expense | $9,940,000 | 2,037 |
| Salaries and employee benefits | $4,767,000 | 2,064 |
| Premises and equipment expense | $852,000 | 2,961 |
| Additional noninterest expense | $4,321,000 | 1,729 |
| Pre-tax net operating income | $-8,944,000 | 7,441 |
| Securities gains (losses) | $168,000 | 1,690 |
| Applicable income taxes | $-3,531,000 | 7,667 |
| Income before extraordinary items | $-5,245,000 | 7,283 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,245,000 | 7,283 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,245,000 | 7,283 |
| Net charge-offs | $9,181,000 | 737 |
| Cash dividends | $344,000 | 3,055 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 1,102 |
| Net operating income | $-5,352,520 | 7,314 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $18,450,000 | 1,422 |
| Total interest expense | $7,124,000 | 1,323 |
| Net interest income | $11,326,000 | 1,482 |
| Provision for loan and lease losses | $13,019,000 | 502 |
| Total noninterest income | $1,936,000 | 1,820 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,520,000 | 848 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $416,000 | 3,112 |
| Total noninterest expense | $7,558,000 | 1,995 |
| Salaries and employee benefits | $3,687,000 | 2,015 |
| Premises and equipment expense | $641,000 | 2,977 |
| Additional noninterest expense | $3,230,000 | 1,675 |
| Pre-tax net operating income | $-7,315,000 | 7,639 |
| Securities gains (losses) | $168,000 | 1,418 |
| Applicable income taxes | $-2,875,000 | 7,799 |
| Income before extraordinary items | $-4,272,000 | 7,514 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,272,000 | 7,514 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,272,000 | 7,514 |
| Net charge-offs | $5,927,000 | 717 |
| Cash dividends | $344,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 1,025 |
| Net operating income | $-4,379,520 | 7,531 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,248,000 | 1,461 |
| Total interest expense | $4,898,000 | 1,358 |
| Net interest income | $7,350,000 | 1,525 |
| Provision for loan and lease losses | $3,746,000 | 931 |
| Total noninterest income | $1,347,000 | 1,783 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $987,000 | 855 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $360,000 | 2,707 |
| Total noninterest expense | $5,152,000 | 1,975 |
| Salaries and employee benefits | $2,618,000 | 1,937 |
| Premises and equipment expense | $436,000 | 2,970 |
| Additional noninterest expense | $2,098,000 | 1,738 |
| Pre-tax net operating income | $-201,000 | 6,282 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-149,000 | 7,240 |
| Income before extraordinary items | $-52,000 | 6,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-52,000 | 6,077 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-52,000 | 6,077 |
| Net charge-offs | $1,782,000 | 1,208 |
| Cash dividends | $345,000 | 2,061 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 890 |
| Net operating income | $-52,000 | 6,017 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,089,000 | 1,485 |
| Total interest expense | $2,584,000 | 1,331 |
| Net interest income | $3,505,000 | 1,595 |
| Provision for loan and lease losses | $1,554,000 | 891 |
| Total noninterest income | $628,000 | 1,829 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $452,000 | 904 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $176,000 | 2,686 |
| Total noninterest expense | $2,517,000 | 1,977 |
| Salaries and employee benefits | $1,424,000 | 1,827 |
| Premises and equipment expense | $231,000 | 2,868 |
| Additional noninterest expense | $862,000 | 1,870 |
| Pre-tax net operating income | $62,000 | 5,471 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-16,000 | 7,246 |
| Income before extraordinary items | $78,000 | 5,262 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $78,000 | 5,267 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $78,000 | 5,266 |
| Net charge-offs | $871,000 | 1,031 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 797 |
| Net operating income | $78,000 | 5,091 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $28,881,000 | 1,341 |
| Total interest expense | $13,238,000 | 1,226 |
| Net interest income | $15,643,000 | 1,430 |
| Provision for loan and lease losses | $4,399,000 | 1,100 |
| Total noninterest income | $2,029,000 | 2,125 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,033,000 | 864 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-4,000 | 8,030 |
| Total noninterest expense | $10,080,000 | 1,913 |
| Salaries and employee benefits | $4,705,000 | 2,158 |
| Premises and equipment expense | $841,000 | 3,053 |
| Additional noninterest expense | $4,534,000 | 1,375 |
| Pre-tax net operating income | $3,193,000 | 1,700 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,130,000 | 1,085 |
| Income before extraordinary items | $2,063,000 | 1,930 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,063,000 | 1,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,051,000 | 1,900 |
| Cash dividends | $3,081,000 | 893 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 1,034 |
| Net operating income | $2,063,000 | 2,055 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,122,000 | 1,338 |
| Total interest expense | $10,134,000 | 1,247 |
| Net interest income | $11,988,000 | 1,412 |
| Provision for loan and lease losses | $452,000 | 2,884 |
| Total noninterest income | $1,777,000 | 1,946 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,513,000 | 881 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $264,000 | 3,921 |
| Total noninterest expense | $7,529,000 | 1,911 |
| Salaries and employee benefits | $3,414,000 | 2,256 |
| Premises and equipment expense | $647,000 | 3,005 |
| Additional noninterest expense | $3,468,000 | 1,313 |
| Pre-tax net operating income | $5,784,000 | 878 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,161,000 | 610 |
| Income before extraordinary items | $3,623,000 | 1,012 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,623,000 | 1,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,288 |
| Cash dividends | $2,310,000 | 905 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 903 |
| Net operating income | $3,623,000 | 1,075 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,961,000 | 1,337 |
| Total interest expense | $6,895,000 | 1,270 |
| Net interest income | $8,066,000 | 1,377 |
| Provision for loan and lease losses | $-384,000 | 8,440 |
| Total noninterest income | $1,411,000 | 1,728 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $995,000 | 877 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $416,000 | 2,530 |
| Total noninterest expense | $5,228,000 | 1,841 |
| Salaries and employee benefits | $2,256,000 | 2,300 |
| Premises and equipment expense | $425,000 | 3,050 |
| Additional noninterest expense | $2,547,000 | 1,169 |
| Pre-tax net operating income | $4,633,000 | 762 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,740,000 | 578 |
| Income before extraordinary items | $2,893,000 | 951 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,893,000 | 951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-152,000 | 8,386 |
| Cash dividends | $1,780,000 | 866 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 776 |
| Net operating income | $2,893,000 | 930 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,686,000 | 1,331 |
| Total interest expense | $3,713,000 | 1,265 |
| Net interest income | $3,973,000 | 1,400 |
| Provision for loan and lease losses | $-764,000 | 8,490 |
| Total noninterest income | $753,000 | 1,641 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $531,000 | 808 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $222,000 | 2,418 |
| Total noninterest expense | $2,273,000 | 2,108 |
| Salaries and employee benefits | $1,210,000 | 2,168 |
| Premises and equipment expense | $206,000 | 3,144 |
| Additional noninterest expense | $857,000 | 1,672 |
| Pre-tax net operating income | $3,217,000 | 609 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,220,000 | 500 |
| Income before extraordinary items | $1,997,000 | 760 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,997,000 | 761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,308 |
| Cash dividends | $709,000 | 1,010 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 645 |
| Net operating income | $1,997,000 | 727 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $33,203,000 | 1,272 |
| Total interest expense | $16,917,000 | 1,170 |
| Net interest income | $16,286,000 | 1,372 |
| Provision for loan and lease losses | $-48,000 | 8,309 |
| Total noninterest income | $2,743,000 | 1,751 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,074,000 | 860 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $669,000 | 2,823 |
| Total noninterest expense | $8,729,000 | 2,108 |
| Salaries and employee benefits | $4,661,000 | 2,159 |
| Premises and equipment expense | $875,000 | 2,869 |
| Additional noninterest expense | $3,193,000 | 1,736 |
| Pre-tax net operating income | $10,348,000 | 821 |
| Securities gains (losses) | $3,000 | 1,730 |
| Applicable income taxes | $3,857,000 | 656 |
| Income before extraordinary items | $6,494,000 | 1,009 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,494,000 | 1,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $705,000 | 1,325 |
| Cash dividends | $5,145,000 | 720 |
| Sale, conversion, retirement of capital stock, net | $171,000 | 799 |
| Net operating income | $6,492,080 | 993 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,920,000 | 1,270 |
| Total interest expense | $12,772,000 | 1,166 |
| Net interest income | $12,148,000 | 1,390 |
| Provision for loan and lease losses | $-276,000 | 8,496 |
| Total noninterest income | $2,239,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,554,000 | 844 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $685,000 | 2,358 |
| Total noninterest expense | $6,583,000 | 2,075 |
| Salaries and employee benefits | $3,646,000 | 2,076 |
| Premises and equipment expense | $666,000 | 2,819 |
| Additional noninterest expense | $2,271,000 | 1,780 |
| Pre-tax net operating income | $8,080,000 | 862 |
| Securities gains (losses) | $3,000 | 1,317 |
| Applicable income taxes | $3,050,000 | 691 |
| Income before extraordinary items | $5,033,000 | 1,047 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,033,000 | 1,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $410,000 | 1,246 |
| Cash dividends | $3,825,000 | 712 |
| Sale, conversion, retirement of capital stock, net | $147,000 | 671 |
| Net operating income | $5,031,080 | 1,030 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,506,000 | 1,291 |
| Total interest expense | $8,487,000 | 1,169 |
| Net interest income | $8,019,000 | 1,427 |
| Provision for loan and lease losses | $-305,000 | 8,547 |
| Total noninterest income | $1,392,000 | 1,763 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,029,000 | 863 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $363,000 | 2,711 |
| Total noninterest expense | $4,379,000 | 2,103 |
| Salaries and employee benefits | $2,462,000 | 2,073 |
| Premises and equipment expense | $456,000 | 2,775 |
| Additional noninterest expense | $1,461,000 | 1,855 |
| Pre-tax net operating income | $5,337,000 | 900 |
| Securities gains (losses) | $3,000 | 1,133 |
| Applicable income taxes | $2,016,000 | 727 |
| Income before extraordinary items | $3,324,000 | 1,086 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,324,000 | 1,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $371,000 | 877 |
| Cash dividends | $2,505,000 | 732 |
| Sale, conversion, retirement of capital stock, net | $123,000 | 559 |
| Net operating income | $3,322,080 | 1,065 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,199,000 | 1,296 |
| Total interest expense | $4,197,000 | 1,165 |
| Net interest income | $4,002,000 | 1,429 |
| Provision for loan and lease losses | $-500,000 | 8,615 |
| Total noninterest income | $670,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $496,000 | 868 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $174,000 | 2,761 |
| Total noninterest expense | $2,119,000 | 2,182 |
| Salaries and employee benefits | $1,239,000 | 2,076 |
| Premises and equipment expense | $220,000 | 2,880 |
| Additional noninterest expense | $660,000 | 1,993 |
| Pre-tax net operating income | $3,053,000 | 787 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,156,000 | 645 |
| Income before extraordinary items | $1,897,000 | 933 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,897,000 | 932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,057 |
| Cash dividends | $1,185,000 | 711 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 498 |
| Net operating income | $1,897,000 | 920 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,800,000 | 1,279 |
| Total interest expense | $14,475,000 | 1,160 |
| Net interest income | $16,325,000 | 1,390 |
| Provision for loan and lease losses | $-280,000 | 8,561 |
| Total noninterest income | $2,708,000 | 1,775 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,127,000 | 825 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $581,000 | 3,078 |
| Total noninterest expense | $7,898,000 | 2,236 |
| Salaries and employee benefits | $4,209,000 | 2,339 |
| Premises and equipment expense | $671,000 | 3,449 |
| Additional noninterest expense | $3,018,000 | 1,750 |
| Pre-tax net operating income | $11,415,000 | 873 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $4,307,000 | 710 |
| Income before extraordinary items | $7,108,000 | 1,049 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,108,000 | 1,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,194 |
| Cash dividends | $4,434,000 | 794 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 866 |
| Net operating income | $7,108,000 | 1,038 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,767,000 | 1,298 |
| Total interest expense | $10,408,000 | 1,173 |
| Net interest income | $12,359,000 | 1,403 |
| Provision for loan and lease losses | $20,000 | 5,975 |
| Total noninterest income | $2,019,000 | 1,786 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,606,000 | 823 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $413,000 | 3,164 |
| Total noninterest expense | $5,760,000 | 2,298 |
| Salaries and employee benefits | $3,059,000 | 2,401 |
| Premises and equipment expense | $488,000 | 3,537 |
| Additional noninterest expense | $2,213,000 | 1,761 |
| Pre-tax net operating income | $8,598,000 | 906 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,224,000 | 749 |
| Income before extraordinary items | $5,374,000 | 1,078 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,374,000 | 1,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $477,000 | 838 |
| Cash dividends | $3,183,000 | 792 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 787 |
| Net operating income | $5,374,000 | 1,069 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,608,000 | 1,318 |
| Total interest expense | $6,433,000 | 1,213 |
| Net interest income | $8,175,000 | 1,412 |
| Provision for loan and lease losses | $-380,000 | 8,696 |
| Total noninterest income | $1,337,000 | 1,801 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,048,000 | 830 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $289,000 | 3,090 |
| Total noninterest expense | $3,678,000 | 2,405 |
| Salaries and employee benefits | $1,842,000 | 2,626 |
| Premises and equipment expense | $309,000 | 3,682 |
| Additional noninterest expense | $1,527,000 | 1,732 |
| Pre-tax net operating income | $6,214,000 | 835 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,342,000 | 707 |
| Income before extraordinary items | $3,872,000 | 1,001 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,872,000 | 1,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $610,000 | 492 |
| Cash dividends | $2,238,000 | 740 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 667 |
| Net operating income | $3,872,000 | 983 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,069,000 | 1,334 |
| Total interest expense | $3,020,000 | 1,229 |
| Net interest income | $4,049,000 | 1,421 |
| Provision for loan and lease losses | $100,000 | 1,992 |
| Total noninterest income | $707,000 | 1,680 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $504,000 | 834 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $203,000 | 2,467 |
| Total noninterest expense | $1,786,000 | 2,483 |
| Salaries and employee benefits | $875,000 | 2,750 |
| Premises and equipment expense | $155,000 | 3,684 |
| Additional noninterest expense | $756,000 | 1,732 |
| Pre-tax net operating income | $2,870,000 | 884 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,083,000 | 745 |
| Income before extraordinary items | $1,787,000 | 1,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,787,000 | 1,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 1,941 |
| Cash dividends | $987,000 | 777 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,787,000 | 1,040 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,744,000 | 1,295 |
| Total interest expense | $9,883,000 | 1,141 |
| Net interest income | $15,861,000 | 1,377 |
| Provision for loan and lease losses | $1,383,000 | 774 |
| Total noninterest income | $2,750,000 | 1,729 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,162,000 | 803 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $588,000 | 3,090 |
| Total noninterest expense | $6,426,000 | 2,583 |
| Salaries and employee benefits | $3,012,000 | 2,950 |
| Premises and equipment expense | $487,000 | 4,267 |
| Additional noninterest expense | $2,927,000 | 1,727 |
| Pre-tax net operating income | $10,802,000 | 913 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,084,000 | 758 |
| Income before extraordinary items | $6,718,000 | 1,076 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,718,000 | 1,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,316 |
| Cash dividends | $3,946,000 | 826 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,718,000 | 1,058 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,739,000 | 1,300 |
| Total interest expense | $6,981,000 | 1,140 |
| Net interest income | $11,758,000 | 1,372 |
| Provision for loan and lease losses | $1,461,000 | 519 |
| Total noninterest income | $2,059,000 | 1,743 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,630,000 | 801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $429,000 | 3,159 |
| Total noninterest expense | $4,673,000 | 2,622 |
| Salaries and employee benefits | $2,308,000 | 2,872 |
| Premises and equipment expense | $386,000 | 4,067 |
| Additional noninterest expense | $1,979,000 | 1,886 |
| Pre-tax net operating income | $7,683,000 | 959 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,905,000 | 799 |
| Income before extraordinary items | $4,778,000 | 1,140 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,778,000 | 1,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,801 |
| Cash dividends | $1,977,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,778,000 | 1,118 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,998,000 | 1,308 |
| Total interest expense | $4,371,000 | 1,142 |
| Net interest income | $7,627,000 | 1,392 |
| Provision for loan and lease losses | $781,000 | 650 |
| Total noninterest income | $1,364,000 | 1,732 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,064,000 | 795 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $300,000 | 3,054 |
| Total noninterest expense | $3,093,000 | 2,623 |
| Salaries and employee benefits | $1,546,000 | 2,849 |
| Premises and equipment expense | $219,000 | 4,512 |
| Additional noninterest expense | $1,328,000 | 1,860 |
| Pre-tax net operating income | $5,117,000 | 927 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,936,000 | 779 |
| Income before extraordinary items | $3,181,000 | 1,102 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,181,000 | 1,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $1,694,000 | 853 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,181,000 | 1,081 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,737,000 | 1,337 |
| Total interest expense | $2,051,000 | 1,152 |
| Net interest income | $3,686,000 | 1,429 |
| Provision for loan and lease losses | $390,000 | 606 |
| Total noninterest income | $680,000 | 1,690 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $525,000 | 781 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $155,000 | 2,913 |
| Total noninterest expense | $1,622,000 | 2,526 |
| Salaries and employee benefits | $825,000 | 2,705 |
| Premises and equipment expense | $116,000 | 4,396 |
| Additional noninterest expense | $681,000 | 1,813 |
| Pre-tax net operating income | $2,354,000 | 995 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $882,000 | 837 |
| Income before extraordinary items | $1,472,000 | 1,176 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,472,000 | 1,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $568,000 | 1,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,472,000 | 1,151 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,959,000 | 1,359 |
| Total interest expense | $6,436,000 | 1,276 |
| Net interest income | $14,523,000 | 1,394 |
| Provision for loan and lease losses | $1,071,000 | 987 |
| Total noninterest income | $2,834,000 | 1,688 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,285,000 | 764 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $549,000 | 3,134 |
| Total noninterest expense | $7,886,000 | 2,030 |
| Salaries and employee benefits | $4,999,000 | 1,762 |
| Premises and equipment expense | $463,000 | 4,324 |
| Additional noninterest expense | $2,424,000 | 2,022 |
| Pre-tax net operating income | $8,400,000 | 1,045 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,148,000 | 868 |
| Income before extraordinary items | $5,252,000 | 1,244 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,252,000 | 1,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,657 |
| Cash dividends | $2,443,000 | 1,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,252,000 | 1,211 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,375,000 | 1,368 |
| Total interest expense | $4,644,000 | 1,297 |
| Net interest income | $10,731,000 | 1,397 |
| Provision for loan and lease losses | $771,000 | 987 |
| Total noninterest income | $2,149,000 | 1,675 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,725,000 | 772 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $424,000 | 3,096 |
| Total noninterest expense | $6,186,000 | 1,938 |
| Salaries and employee benefits | $4,007,000 | 1,652 |
| Premises and equipment expense | $340,000 | 4,377 |
| Additional noninterest expense | $1,839,000 | 1,955 |
| Pre-tax net operating income | $5,923,000 | 1,114 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,213,000 | 935 |
| Income before extraordinary items | $3,710,000 | 1,330 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,710,000 | 1,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 1,466 |
| Cash dividends | $2,123,000 | 927 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,710,000 | 1,282 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,989,000 | 1,399 |
| Total interest expense | $3,150,000 | 1,252 |
| Net interest income | $6,839,000 | 1,459 |
| Provision for loan and lease losses | $481,000 | 1,032 |
| Total noninterest income | $1,439,000 | 1,665 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,138,000 | 765 |
| Trading account gains and fees | $4,000 | 122 |
| Additional Noninterest Income | $297,000 | 3,003 |
| Total noninterest expense | $4,317,000 | 1,850 |
| Salaries and employee benefits | $2,891,000 | 1,526 |
| Premises and equipment expense | $227,000 | 4,383 |
| Additional noninterest expense | $1,199,000 | 2,000 |
| Pre-tax net operating income | $3,480,000 | 1,234 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,291,000 | 1,049 |
| Income before extraordinary items | $2,189,000 | 1,467 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,189,000 | 1,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 1,463 |
| Cash dividends | $1,623,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,189,000 | 1,410 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,988,000 | 1,399 |
| Total interest expense | $1,576,000 | 1,263 |
| Net interest income | $3,412,000 | 1,464 |
| Provision for loan and lease losses | $240,000 | 991 |
| Total noninterest income | $642,000 | 1,778 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $515,000 | 818 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $127,000 | 3,230 |
| Total noninterest expense | $2,489,000 | 1,636 |
| Salaries and employee benefits | $1,798,000 | 1,226 |
| Premises and equipment expense | $113,000 | 4,421 |
| Additional noninterest expense | $578,000 | 2,040 |
| Pre-tax net operating income | $1,325,000 | 1,558 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $484,000 | 1,330 |
| Income before extraordinary items | $841,000 | 1,862 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $841,000 | 1,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,213 |
| Cash dividends | $823,000 | 786 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $841,000 | 1,776 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,470,000 | 1,476 |
| Total interest expense | $7,016,000 | 1,260 |
| Net interest income | $12,454,000 | 1,568 |
| Provision for loan and lease losses | $1,020,000 | 1,161 |
| Total noninterest income | $2,559,000 | 1,908 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,133,000 | 806 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $426,000 | 3,856 |
| Total noninterest expense | $6,456,000 | 2,431 |
| Salaries and employee benefits | $3,879,000 | 2,192 |
| Premises and equipment expense | $377,000 | 4,943 |
| Additional noninterest expense | $2,200,000 | 2,196 |
| Pre-tax net operating income | $7,537,000 | 1,112 |
| Securities gains (losses) | $57,000 | 2,386 |
| Applicable income taxes | $2,819,000 | 967 |
| Income before extraordinary items | $4,775,000 | 1,335 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,775,000 | 1,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $627,000 | 1,342 |
| Cash dividends | $3,290,000 | 923 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,738,520 | 1,279 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,790,000 | 1,482 |
| Total interest expense | $5,381,000 | 1,286 |
| Net interest income | $9,409,000 | 1,556 |
| Provision for loan and lease losses | $580,000 | 1,461 |
| Total noninterest income | $1,817,000 | 2,049 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,501,000 | 858 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $316,000 | 3,953 |
| Total noninterest expense | $4,699,000 | 2,508 |
| Salaries and employee benefits | $2,779,000 | 2,286 |
| Premises and equipment expense | $285,000 | 4,889 |
| Additional noninterest expense | $1,635,000 | 2,196 |
| Pre-tax net operating income | $5,947,000 | 1,089 |
| Securities gains (losses) | $30,000 | 2,693 |
| Applicable income taxes | $2,222,000 | 977 |
| Income before extraordinary items | $3,755,000 | 1,315 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,755,000 | 1,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,709 |
| Cash dividends | $1,950,000 | 1,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,735,800 | 1,253 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,903,000 | 1,491 |
| Total interest expense | $3,650,000 | 1,310 |
| Net interest income | $6,253,000 | 1,559 |
| Provision for loan and lease losses | $340,000 | 1,634 |
| Total noninterest income | $1,177,000 | 2,089 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $968,000 | 878 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $209,000 | 3,962 |
| Total noninterest expense | $3,102,000 | 2,514 |
| Salaries and employee benefits | $1,793,000 | 2,354 |
| Premises and equipment expense | $189,000 | 4,885 |
| Additional noninterest expense | $1,120,000 | 2,135 |
| Pre-tax net operating income | $3,988,000 | 1,082 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,480,000 | 1,001 |
| Income before extraordinary items | $2,508,000 | 1,319 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,508,000 | 1,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,077 |
| Cash dividends | $1,950,000 | 777 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,508,000 | 1,231 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,926,000 | 1,511 |
| Total interest expense | $1,821,000 | 1,346 |
| Net interest income | $3,105,000 | 1,568 |
| Provision for loan and lease losses | $100,000 | 2,353 |
| Total noninterest income | $627,000 | 1,933 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $498,000 | 829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $129,000 | 3,478 |
| Total noninterest expense | $1,549,000 | 2,499 |
| Salaries and employee benefits | $893,000 | 2,355 |
| Premises and equipment expense | $97,000 | 4,800 |
| Additional noninterest expense | $559,000 | 2,112 |
| Pre-tax net operating income | $2,083,000 | 1,045 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $773,000 | 981 |
| Income before extraordinary items | $1,310,000 | 1,262 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,310,000 | 1,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,956 |
| Cash dividends | $875,000 | 780 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,310,000 | 1,181 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,040,000 | 1,537 |
| Total interest expense | $7,574,000 | 1,498 |
| Net interest income | $12,466,000 | 1,554 |
| Provision for loan and lease losses | $880,000 | 1,510 |
| Total noninterest income | $2,101,000 | 2,048 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,789,000 | 905 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $312,000 | 4,170 |
| Total noninterest expense | $6,567,000 | 2,274 |
| Salaries and employee benefits | $3,720,000 | 2,150 |
| Premises and equipment expense | $378,000 | 4,840 |
| Additional noninterest expense | $2,469,000 | 1,874 |
| Pre-tax net operating income | $7,120,000 | 1,188 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,628,000 | 1,043 |
| Income before extraordinary items | $4,492,000 | 1,385 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,492,000 | 1,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 3,024 |
| Cash dividends | $3,110,000 | 901 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,492,000 | 1,336 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,707,000 | 1,559 |
| Total interest expense | $11,119,000 | 1,453 |
| Net interest income | $10,588,000 | 1,687 |
| Provision for loan and lease losses | $810,000 | 1,485 |
| Total noninterest income | $2,214,000 | 1,857 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,651,000 | 892 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $563,000 | 2,934 |
| Total noninterest expense | $5,443,000 | 2,603 |
| Salaries and employee benefits | $3,579,000 | 2,111 |
| Premises and equipment expense | $415,000 | 4,487 |
| Additional noninterest expense | $1,449,000 | 2,960 |
| Pre-tax net operating income | $6,549,000 | 1,134 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $2,418,000 | 1,003 |
| Income before extraordinary items | $4,133,000 | 1,316 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,133,000 | 1,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,205 |
| Cash dividends | $2,300,000 | 1,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,131,720 | 1,262 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,810,000 | 1,750 |
| Total interest expense | $10,424,000 | 1,646 |
| Net interest income | $9,386,000 | 1,876 |
| Provision for loan and lease losses | $580,000 | 1,672 |
| Total noninterest income | $1,868,000 | 1,973 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,181,000 | 1,148 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $687,000 | 2,390 |
| Total noninterest expense | $4,964,000 | 2,741 |
| Salaries and employee benefits | $3,130,000 | 2,273 |
| Premises and equipment expense | $450,000 | 4,129 |
| Additional noninterest expense | $1,384,000 | 3,018 |
| Pre-tax net operating income | $5,710,000 | 1,287 |
| Securities gains (losses) | $46,000 | 727 |
| Applicable income taxes | $2,083,000 | 1,116 |
| Income before extraordinary items | $3,673,000 | 1,445 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,673,000 | 1,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,136 |
| Cash dividends | $2,990,000 | 977 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,643,560 | 1,446 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,386,000 | 2,119 |
| Total interest expense | $7,308,000 | 2,044 |
| Net interest income | $8,078,000 | 2,172 |
| Provision for loan and lease losses | $342,000 | 2,405 |
| Total noninterest income | $1,639,000 | 2,156 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,089,000 | 1,221 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $550,000 | 2,779 |
| Total noninterest expense | $4,682,000 | 2,884 |
| Salaries and employee benefits | $2,900,000 | 2,416 |
| Premises and equipment expense | $474,000 | 3,961 |
| Additional noninterest expense | $1,308,000 | 3,200 |
| Pre-tax net operating income | $4,693,000 | 1,603 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,690,000 | 1,436 |
| Income before extraordinary items | $3,003,000 | 1,774 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,003,000 | 1,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,792 |
| Cash dividends | $1,275,000 | 1,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,003,000 | 1,744 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,002,000 | 2,324 |
| Total interest expense | $7,075,000 | 2,144 |
| Net interest income | $6,927,000 | 2,444 |
| Provision for loan and lease losses | $845,000 | 1,129 |
| Total noninterest income | $1,572,000 | 2,187 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $995,000 | 1,253 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $577,000 | 2,707 |
| Total noninterest expense | $5,112,000 | 2,546 |
| Salaries and employee benefits | $2,528,000 | 2,679 |
| Premises and equipment expense | $618,000 | 3,076 |
| Additional noninterest expense | $1,966,000 | 2,139 |
| Pre-tax net operating income | $2,542,000 | 2,741 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $945,000 | 2,412 |
| Income before extraordinary items | $1,601,000 | 3,089 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,601,000 | 3,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $523,000 | 3,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,598,440 | 3,002 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,815,000 | 2,777 |
| Total interest expense | $5,772,000 | 2,587 |
| Net interest income | $6,043,000 | 2,894 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $1,217,000 | 2,606 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $891,000 | 1,447 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $326,000 | 3,748 |
| Total noninterest expense | $4,064,000 | 3,126 |
| Salaries and employee benefits | $2,272,000 | 2,918 |
| Premises and equipment expense | $500,000 | 3,696 |
| Additional noninterest expense | $1,292,000 | 3,127 |
| Pre-tax net operating income | $3,076,000 | 2,435 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $985,000 | 2,462 |
| Income before extraordinary items | $2,099,000 | 2,479 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,099,000 | 2,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 10,634 |
| Cash dividends | $471,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $444,000 | 568 |
| Net operating income | $2,093,560 | 2,426 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,594,000 | 3,406 |
| Total interest expense | $4,537,000 | 3,288 |
| Net interest income | $5,057,000 | 3,495 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,239,000 | 2,621 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $820,000 | 1,628 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $419,000 | 3,307 |
| Total noninterest expense | $3,635,000 | 3,647 |
| Salaries and employee benefits | $2,139,000 | 3,130 |
| Premises and equipment expense | $410,000 | 4,451 |
| Additional noninterest expense | $1,086,000 | 4,107 |
| Pre-tax net operating income | $2,661,000 | 2,629 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $907,000 | 2,561 |
| Income before extraordinary items | $1,761,000 | 2,758 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,761,000 | 2,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $384,000 | 4,002 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 824 |
| Net operating income | $1,756,380 | 2,718 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,348,000 | 3,867 |
| Total interest expense | $3,772,000 | 3,884 |
| Net interest income | $4,576,000 | 3,843 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $909,000 | 3,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $688,000 | 1,962 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $221,000 | 4,838 |
| Total noninterest expense | $3,192,000 | 4,073 |
| Salaries and employee benefits | $1,888,000 | 3,498 |
| Premises and equipment expense | $382,000 | 4,716 |
| Additional noninterest expense | $922,000 | 4,668 |
| Pre-tax net operating income | $2,293,000 | 3,091 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $770,000 | 2,981 |
| Income before extraordinary items | $1,530,000 | 3,191 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,530,000 | 3,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 11,570 |
| Cash dividends | $336,000 | 4,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,525,310 | 3,185 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,324,000 | 4,638 |
| Total interest expense | $2,347,000 | 4,900 |
| Net interest income | $3,977,000 | 4,409 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $773,000 | 3,825 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $557,000 | 2,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 5,029 |
| Total noninterest expense | $2,698,000 | 4,835 |
| Salaries and employee benefits | $1,528,000 | 4,219 |
| Premises and equipment expense | $337,000 | 5,213 |
| Additional noninterest expense | $833,000 | 5,514 |
| Pre-tax net operating income | $2,052,000 | 3,352 |
| Securities gains (losses) | $-36,000 | 10,793 |
| Applicable income taxes | $646,000 | 3,306 |
| Income before extraordinary items | $1,370,000 | 3,426 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,370,000 | 3,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $288,000 | 4,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,394,480 | 3,407 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,540,000 | 5,301 |
| Total interest expense | $2,183,000 | 5,416 |
| Net interest income | $3,357,000 | 5,146 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $687,000 | 4,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $504,000 | 2,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,948 |
| Total noninterest expense | $2,505,000 | 5,272 |
| Salaries and employee benefits | $1,334,000 | 4,769 |
| Premises and equipment expense | $366,000 | 5,057 |
| Additional noninterest expense | $805,000 | 5,899 |
| Pre-tax net operating income | $1,539,000 | 4,224 |
| Securities gains (losses) | $34,000 | 3,940 |
| Applicable income taxes | $464,000 | 4,461 |
| Income before extraordinary items | $1,109,000 | 4,297 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,109,000 | 4,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-151,000 | 13,050 |
| Cash dividends | $143,000 | 6,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,084,860 | 4,157 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,906,000 | 5,565 |
| Total interest expense | $2,817,000 | 5,453 |
| Net interest income | $3,089,000 | 5,596 |
| Provision for loan and lease losses | $210,000 | 5,090 |
| Total noninterest income | $490,000 | 5,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $363,000 | 3,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 7,254 |
| Total noninterest expense | $2,276,000 | 5,746 |
| Salaries and employee benefits | $1,200,000 | 5,158 |
| Premises and equipment expense | $343,000 | 5,446 |
| Additional noninterest expense | $733,000 | 6,527 |
| Pre-tax net operating income | $1,093,000 | 5,291 |
| Securities gains (losses) | $169,000 | 2,257 |
| Applicable income taxes | $388,000 | 4,904 |
| Income before extraordinary items | $874,000 | 5,028 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $874,000 | 5,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 3,359 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $757,390 | 5,254 |
* 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.