Home > Habersham Bank > Income and Expense
Habersham Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,736,000 | 1,925 |
| Total interest expense | $6,236,000 | 1,326 |
| Net interest income | $9,500,000 | 2,299 |
| Provision for loan and lease losses | $9,133,000 | 715 |
| Total noninterest income | $-286,000 | 7,447 |
| Gross Fiduciary activities income | $442,000 | 580 |
| Service charges on deposit accounts | $918,000 | 1,618 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,646,000 | 7,548 |
| Total noninterest expense | $13,644,000 | 1,455 |
| Salaries and employee benefits | $4,610,000 | 2,100 |
| Premises and equipment expense | $3,009,000 | 855 |
| Additional noninterest expense | $6,025,000 | 1,229 |
| Pre-tax net operating income | $-13,563,000 | 7,433 |
| Securities gains (losses) | $1,270,000 | 397 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-12,293,000 | 7,433 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,293,000 | 7,433 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-12,293,000 | 7,433 |
| Net charge-offs | $14,596,000 | 444 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-13,563,000 | 7,441 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,085,000 | 1,916 |
| Total interest expense | $5,016,000 | 1,282 |
| Net interest income | $7,069,000 | 2,354 |
| Provision for loan and lease losses | $5,440,000 | 819 |
| Total noninterest income | $735,000 | 3,311 |
| Gross Fiduciary activities income | $337,000 | 570 |
| Service charges on deposit accounts | $727,000 | 1,591 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-329,000 | 7,521 |
| Total noninterest expense | $9,998,000 | 1,480 |
| Salaries and employee benefits | $3,511,000 | 2,061 |
| Premises and equipment expense | $1,957,000 | 996 |
| Additional noninterest expense | $4,530,000 | 1,188 |
| Pre-tax net operating income | $-7,634,000 | 7,497 |
| Securities gains (losses) | $1,182,000 | 355 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-6,452,000 | 7,491 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-6,452,000 | 7,491 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-6,452,000 | 7,491 |
| Net charge-offs | $11,729,000 | 400 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-7,634,000 | 7,519 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,516,000 | 1,834 |
| Total interest expense | $3,600,000 | 1,234 |
| Net interest income | $4,916,000 | 2,260 |
| Provision for loan and lease losses | $4,691,000 | 662 |
| Total noninterest income | $653,000 | 2,711 |
| Gross Fiduciary activities income | $231,000 | 568 |
| Service charges on deposit accounts | $512,000 | 1,536 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-90,000 | 7,513 |
| Total noninterest expense | $6,568,000 | 1,502 |
| Salaries and employee benefits | $2,364,000 | 2,051 |
| Premises and equipment expense | $1,274,000 | 1,047 |
| Additional noninterest expense | $2,930,000 | 1,208 |
| Pre-tax net operating income | $-5,690,000 | 7,582 |
| Securities gains (losses) | $671,000 | 366 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-5,019,000 | 7,586 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-5,019,000 | 7,586 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-5,019,000 | 7,586 |
| Net charge-offs | $8,023,000 | 391 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-5,690,000 | 7,613 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,410,000 | 1,814 |
| Total interest expense | $1,987,000 | 1,188 |
| Net interest income | $2,423,000 | 2,322 |
| Provision for loan and lease losses | $2,400,000 | 646 |
| Total noninterest income | $457,000 | 2,171 |
| Gross Fiduciary activities income | $111,000 | 586 |
| Service charges on deposit accounts | $250,000 | 1,560 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $96,000 | 3,585 |
| Total noninterest expense | $3,248,000 | 1,547 |
| Salaries and employee benefits | $1,212,000 | 2,036 |
| Premises and equipment expense | $650,000 | 1,055 |
| Additional noninterest expense | $1,386,000 | 1,279 |
| Pre-tax net operating income | $-2,768,000 | 7,675 |
| Securities gains (losses) | $305,000 | 380 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,463,000 | 7,681 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,463,000 | 7,682 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,463,000 | 7,682 |
| Net charge-offs | $6,623,000 | 265 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,768,000 | 7,699 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $20,356,000 | 1,680 |
| Total interest expense | $11,747,000 | 1,005 |
| Net interest income | $8,609,000 | 2,517 |
| Provision for loan and lease losses | $13,476,000 | 664 |
| Total noninterest income | $-1,263,000 | 7,946 |
| Gross Fiduciary activities income | $444,000 | 576 |
| Service charges on deposit accounts | $1,067,000 | 1,578 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-2,774,000 | 7,969 |
| Total noninterest expense | $16,533,000 | 1,253 |
| Salaries and employee benefits | $6,282,000 | 1,582 |
| Premises and equipment expense | $3,099,000 | 867 |
| Additional noninterest expense | $7,152,000 | 1,089 |
| Pre-tax net operating income | $-22,663,000 | 7,748 |
| Securities gains (losses) | $513,000 | 866 |
| Applicable income taxes | $4,115,000 | 308 |
| Income before extraordinary items | $-26,265,000 | 7,792 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-26,265,000 | 7,791 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-26,265,000 | 7,791 |
| Net charge-offs | $13,538,000 | 537 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-26,778,000 | 7,799 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,117,000 | 1,620 |
| Total interest expense | $9,367,000 | 1,001 |
| Net interest income | $6,750,000 | 2,415 |
| Provision for loan and lease losses | $10,480,000 | 604 |
| Total noninterest income | $831,000 | 3,191 |
| Gross Fiduciary activities income | $331,000 | 565 |
| Service charges on deposit accounts | $794,000 | 1,598 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-294,000 | 7,908 |
| Total noninterest expense | $12,703,000 | 1,219 |
| Salaries and employee benefits | $4,766,000 | 1,581 |
| Premises and equipment expense | $2,389,000 | 856 |
| Additional noninterest expense | $5,548,000 | 1,018 |
| Pre-tax net operating income | $-15,602,000 | 7,833 |
| Securities gains (losses) | $369,000 | 856 |
| Applicable income taxes | $-6,140,000 | 7,922 |
| Income before extraordinary items | $-9,093,000 | 7,755 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-9,093,000 | 7,754 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-9,093,000 | 7,754 |
| Net charge-offs | $12,270,000 | 442 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-9,329,160 | 7,767 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,991,000 | 1,615 |
| Total interest expense | $6,379,000 | 1,034 |
| Net interest income | $4,612,000 | 2,364 |
| Provision for loan and lease losses | $3,080,000 | 1,071 |
| Total noninterest income | $979,000 | 2,215 |
| Gross Fiduciary activities income | $225,000 | 569 |
| Service charges on deposit accounts | $499,000 | 1,663 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $255,000 | 3,264 |
| Total noninterest expense | $8,313,000 | 1,258 |
| Salaries and employee benefits | $3,241,000 | 1,583 |
| Premises and equipment expense | $1,544,000 | 907 |
| Additional noninterest expense | $3,528,000 | 1,086 |
| Pre-tax net operating income | $-5,802,000 | 7,780 |
| Securities gains (losses) | $314,000 | 727 |
| Applicable income taxes | $-2,279,000 | 7,919 |
| Income before extraordinary items | $-3,209,000 | 7,652 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,209,000 | 7,651 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,209,000 | 7,651 |
| Net charge-offs | $7,731,000 | 445 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,409,960 | 7,678 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,676,000 | 1,595 |
| Total interest expense | $3,217,000 | 1,076 |
| Net interest income | $2,459,000 | 2,234 |
| Provision for loan and lease losses | $1,780,000 | 813 |
| Total noninterest income | $569,000 | 1,946 |
| Gross Fiduciary activities income | $111,000 | 574 |
| Service charges on deposit accounts | $253,000 | 1,597 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $205,000 | 2,478 |
| Total noninterest expense | $4,178,000 | 1,200 |
| Salaries and employee benefits | $1,708,000 | 1,530 |
| Premises and equipment expense | $790,000 | 898 |
| Additional noninterest expense | $1,680,000 | 1,005 |
| Pre-tax net operating income | $-2,930,000 | 7,938 |
| Securities gains (losses) | $58,000 | 1,242 |
| Applicable income taxes | $-1,214,000 | 8,034 |
| Income before extraordinary items | $-1,658,000 | 7,853 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,658,000 | 7,854 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,658,000 | 7,854 |
| Net charge-offs | $2,725,000 | 487 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,695,120 | 7,855 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $26,086,000 | 1,488 |
| Total interest expense | $14,288,000 | 1,136 |
| Net interest income | $11,798,000 | 1,891 |
| Provision for loan and lease losses | $16,021,000 | 428 |
| Total noninterest income | $2,475,000 | 1,823 |
| Gross Fiduciary activities income | $482,000 | 576 |
| Service charges on deposit accounts | $1,081,000 | 1,643 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $912,000 | 2,267 |
| Total noninterest expense | $19,689,000 | 1,009 |
| Salaries and employee benefits | $8,097,000 | 1,239 |
| Premises and equipment expense | $2,895,000 | 955 |
| Additional noninterest expense | $8,697,000 | 754 |
| Pre-tax net operating income | $-21,437,000 | 8,108 |
| Securities gains (losses) | $363,000 | 480 |
| Applicable income taxes | $-7,203,000 | 8,155 |
| Income before extraordinary items | $-13,871,000 | 8,051 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-13,871,000 | 8,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,990,000 | 589 |
| Cash dividends | $2,100,000 | 1,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-14,110,580 | 8,079 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,613,000 | 1,445 |
| Total interest expense | $10,899,000 | 1,161 |
| Net interest income | $9,714,000 | 1,727 |
| Provision for loan and lease losses | $7,370,000 | 497 |
| Total noninterest income | $2,543,000 | 1,491 |
| Gross Fiduciary activities income | $373,000 | 573 |
| Service charges on deposit accounts | $786,000 | 1,703 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,384,000 | 1,439 |
| Total noninterest expense | $12,126,000 | 1,205 |
| Salaries and employee benefits | $6,243,000 | 1,223 |
| Premises and equipment expense | $2,045,000 | 1,026 |
| Additional noninterest expense | $3,838,000 | 1,191 |
| Pre-tax net operating income | $-7,239,000 | 8,190 |
| Securities gains (losses) | $316,000 | 447 |
| Applicable income taxes | $-3,030,000 | 8,228 |
| Income before extraordinary items | $-3,893,000 | 8,077 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,893,000 | 8,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,823,000 | 878 |
| Cash dividends | $2,100,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,095,240 | 8,139 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,414,000 | 1,389 |
| Total interest expense | $7,558,000 | 1,153 |
| Net interest income | $6,856,000 | 1,641 |
| Provision for loan and lease losses | $1,077,000 | 1,170 |
| Total noninterest income | $1,747,000 | 1,470 |
| Gross Fiduciary activities income | $254,000 | 586 |
| Service charges on deposit accounts | $498,000 | 1,760 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $995,000 | 1,400 |
| Total noninterest expense | $8,037,000 | 1,204 |
| Salaries and employee benefits | $4,241,000 | 1,214 |
| Premises and equipment expense | $1,303,000 | 1,068 |
| Additional noninterest expense | $2,493,000 | 1,190 |
| Pre-tax net operating income | $-511,000 | 7,620 |
| Securities gains (losses) | $290,000 | 462 |
| Applicable income taxes | $-405,000 | 8,135 |
| Income before extraordinary items | $184,000 | 5,728 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $184,000 | 5,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $787,000 | 988 |
| Cash dividends | $1,700,000 | 892 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,600 | 6,977 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,591,000 | 1,356 |
| Total interest expense | $4,000,000 | 1,165 |
| Net interest income | $3,591,000 | 1,552 |
| Provision for loan and lease losses | $423,000 | 1,104 |
| Total noninterest income | $919,000 | 1,422 |
| Gross Fiduciary activities income | $118,000 | 614 |
| Service charges on deposit accounts | $248,000 | 1,737 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $553,000 | 1,316 |
| Total noninterest expense | $3,948,000 | 1,227 |
| Salaries and employee benefits | $2,031,000 | 1,290 |
| Premises and equipment expense | $661,000 | 1,052 |
| Additional noninterest expense | $1,256,000 | 1,151 |
| Pre-tax net operating income | $139,000 | 5,567 |
| Securities gains (losses) | $127,000 | 612 |
| Applicable income taxes | $-44,000 | 8,005 |
| Income before extraordinary items | $310,000 | 3,728 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $310,000 | 3,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 928 |
| Cash dividends | $850,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $183,000 | 4,726 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $36,312,000 | 1,164 |
| Total interest expense | $16,847,000 | 1,175 |
| Net interest income | $19,465,000 | 1,139 |
| Provision for loan and lease losses | $675,000 | 1,895 |
| Total noninterest income | $3,748,000 | 1,367 |
| Gross Fiduciary activities income | $410,000 | 637 |
| Service charges on deposit accounts | $988,000 | 1,782 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,350,000 | 1,224 |
| Total noninterest expense | $16,964,000 | 1,105 |
| Salaries and employee benefits | $9,142,000 | 1,096 |
| Premises and equipment expense | $2,554,000 | 1,040 |
| Additional noninterest expense | $5,268,000 | 1,071 |
| Pre-tax net operating income | $5,574,000 | 1,500 |
| Securities gains (losses) | $5,000 | 1,575 |
| Applicable income taxes | $1,629,000 | 1,327 |
| Income before extraordinary items | $3,950,000 | 1,616 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,950,000 | 1,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,012,000 | 616 |
| Cash dividends | $5,300,000 | 704 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,946,450 | 1,604 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $27,634,000 | 1,153 |
| Total interest expense | $12,494,000 | 1,187 |
| Net interest income | $15,140,000 | 1,100 |
| Provision for loan and lease losses | $80,000 | 4,491 |
| Total noninterest income | $2,822,000 | 1,374 |
| Gross Fiduciary activities income | $297,000 | 644 |
| Service charges on deposit accounts | $712,000 | 1,831 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,813,000 | 1,202 |
| Total noninterest expense | $12,667,000 | 1,104 |
| Salaries and employee benefits | $6,857,000 | 1,100 |
| Premises and equipment expense | $1,921,000 | 1,016 |
| Additional noninterest expense | $3,889,000 | 1,057 |
| Pre-tax net operating income | $5,215,000 | 1,310 |
| Securities gains (losses) | $5,000 | 1,185 |
| Applicable income taxes | $1,615,000 | 1,151 |
| Income before extraordinary items | $3,605,000 | 1,417 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,605,000 | 1,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $687,000 | 854 |
| Cash dividends | $1,200,000 | 1,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,601,550 | 1,404 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $18,350,000 | 1,169 |
| Total interest expense | $8,099,000 | 1,232 |
| Net interest income | $10,251,000 | 1,102 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,885,000 | 1,388 |
| Gross Fiduciary activities income | $191,000 | 657 |
| Service charges on deposit accounts | $467,000 | 1,862 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,227,000 | 1,206 |
| Total noninterest expense | $8,456,000 | 1,117 |
| Salaries and employee benefits | $4,644,000 | 1,096 |
| Premises and equipment expense | $1,275,000 | 1,025 |
| Additional noninterest expense | $2,537,000 | 1,093 |
| Pre-tax net operating income | $3,680,000 | 1,288 |
| Securities gains (losses) | $5,000 | 1,010 |
| Applicable income taxes | $1,153,000 | 1,150 |
| Income before extraordinary items | $2,532,000 | 1,394 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,532,000 | 1,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 902 |
| Cash dividends | $800,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,528,550 | 1,377 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,038,000 | 1,175 |
| Total interest expense | $3,980,000 | 1,236 |
| Net interest income | $5,058,000 | 1,102 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $915,000 | 1,396 |
| Gross Fiduciary activities income | $87,000 | 692 |
| Service charges on deposit accounts | $232,000 | 1,820 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $596,000 | 1,206 |
| Total noninterest expense | $4,196,000 | 1,120 |
| Salaries and employee benefits | $2,271,000 | 1,136 |
| Premises and equipment expense | $625,000 | 1,069 |
| Additional noninterest expense | $1,300,000 | 1,050 |
| Pre-tax net operating income | $1,777,000 | 1,320 |
| Securities gains (losses) | $5,000 | 805 |
| Applicable income taxes | $554,000 | 1,191 |
| Income before extraordinary items | $1,228,000 | 1,424 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,228,000 | 1,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,485 |
| Cash dividends | $400,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,224,550 | 1,411 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $34,484,000 | 1,147 |
| Total interest expense | $13,218,000 | 1,281 |
| Net interest income | $21,266,000 | 1,042 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $3,659,000 | 1,379 |
| Gross Fiduciary activities income | $314,000 | 704 |
| Service charges on deposit accounts | $902,000 | 1,914 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,443,000 | 1,157 |
| Total noninterest expense | $15,816,000 | 1,136 |
| Salaries and employee benefits | $8,524,000 | 1,146 |
| Premises and equipment expense | $2,339,000 | 1,083 |
| Additional noninterest expense | $4,953,000 | 1,077 |
| Pre-tax net operating income | $9,109,000 | 1,078 |
| Securities gains (losses) | $-13,000 | 7,384 |
| Applicable income taxes | $2,936,000 | 960 |
| Income before extraordinary items | $6,160,000 | 1,200 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,160,000 | 1,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $500,000 | 1,177 |
| Cash dividends | $1,500,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,168,840 | 1,183 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $25,344,000 | 1,173 |
| Total interest expense | $9,406,000 | 1,305 |
| Net interest income | $15,938,000 | 1,067 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $3,253,000 | 1,233 |
| Gross Fiduciary activities income | $231,000 | 699 |
| Service charges on deposit accounts | $647,000 | 1,981 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,375,000 | 974 |
| Total noninterest expense | $12,148,000 | 1,126 |
| Salaries and employee benefits | $6,294,000 | 1,179 |
| Premises and equipment expense | $1,741,000 | 1,098 |
| Additional noninterest expense | $4,113,000 | 969 |
| Pre-tax net operating income | $7,043,000 | 1,089 |
| Securities gains (losses) | $-13,000 | 7,688 |
| Applicable income taxes | $2,295,000 | 975 |
| Income before extraordinary items | $4,735,000 | 1,204 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,735,000 | 1,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 870 |
| Cash dividends | $1,100,000 | 1,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,743,710 | 1,190 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,221,000 | 1,200 |
| Total interest expense | $5,935,000 | 1,316 |
| Net interest income | $10,286,000 | 1,097 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,820,000 | 1,404 |
| Gross Fiduciary activities income | $155,000 | 704 |
| Service charges on deposit accounts | $407,000 | 2,073 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,258,000 | 1,148 |
| Total noninterest expense | $7,664,000 | 1,188 |
| Salaries and employee benefits | $4,139,000 | 1,203 |
| Premises and equipment expense | $1,126,000 | 1,138 |
| Additional noninterest expense | $2,399,000 | 1,130 |
| Pre-tax net operating income | $4,442,000 | 1,147 |
| Securities gains (losses) | $-6,000 | 7,728 |
| Applicable income taxes | $1,433,000 | 1,044 |
| Income before extraordinary items | $3,003,000 | 1,246 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,003,000 | 1,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 1,858 |
| Cash dividends | $800,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,007,080 | 1,229 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,988,000 | 1,194 |
| Total interest expense | $2,884,000 | 1,291 |
| Net interest income | $5,104,000 | 1,107 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $838,000 | 1,460 |
| Gross Fiduciary activities income | $76,000 | 721 |
| Service charges on deposit accounts | $174,000 | 2,295 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $588,000 | 1,188 |
| Total noninterest expense | $3,775,000 | 1,210 |
| Salaries and employee benefits | $1,991,000 | 1,249 |
| Premises and equipment expense | $579,000 | 1,110 |
| Additional noninterest expense | $1,205,000 | 1,110 |
| Pre-tax net operating income | $2,167,000 | 1,141 |
| Securities gains (losses) | $-5,000 | 8,100 |
| Applicable income taxes | $692,000 | 1,064 |
| Income before extraordinary items | $1,470,000 | 1,261 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,470,000 | 1,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,473,400 | 1,237 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,903,000 | 1,287 |
| Total interest expense | $8,600,000 | 1,324 |
| Net interest income | $17,303,000 | 1,256 |
| Provision for loan and lease losses | $330,000 | 2,627 |
| Total noninterest income | $3,298,000 | 1,484 |
| Gross Fiduciary activities income | $238,000 | 765 |
| Service charges on deposit accounts | $702,000 | 2,348 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,358,000 | 1,203 |
| Total noninterest expense | $13,735,000 | 1,254 |
| Salaries and employee benefits | $7,433,000 | 1,239 |
| Premises and equipment expense | $2,018,000 | 1,223 |
| Additional noninterest expense | $4,284,000 | 1,208 |
| Pre-tax net operating income | $6,536,000 | 1,458 |
| Securities gains (losses) | $-6,000 | 7,363 |
| Applicable income taxes | $2,051,000 | 1,331 |
| Income before extraordinary items | $4,479,000 | 1,566 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,479,000 | 1,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,073 |
| Cash dividends | $7,500,000 | 474 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,483,140 | 1,542 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,458,000 | 1,313 |
| Total interest expense | $6,049,000 | 1,322 |
| Net interest income | $12,409,000 | 1,309 |
| Provision for loan and lease losses | $330,000 | 2,034 |
| Total noninterest income | $2,353,000 | 1,545 |
| Gross Fiduciary activities income | $177,000 | 755 |
| Service charges on deposit accounts | $502,000 | 2,448 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,674,000 | 1,250 |
| Total noninterest expense | $9,844,000 | 1,301 |
| Salaries and employee benefits | $5,379,000 | 1,289 |
| Premises and equipment expense | $1,479,000 | 1,234 |
| Additional noninterest expense | $2,986,000 | 1,283 |
| Pre-tax net operating income | $4,588,000 | 1,559 |
| Securities gains (losses) | $12,000 | 1,416 |
| Applicable income taxes | $1,410,000 | 1,453 |
| Income before extraordinary items | $3,190,000 | 1,648 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,190,000 | 1,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 1,676 |
| Cash dividends | $6,900,000 | 373 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,181,720 | 1,614 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,550,000 | 1,370 |
| Total interest expense | $3,801,000 | 1,324 |
| Net interest income | $7,749,000 | 1,375 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $1,588,000 | 1,524 |
| Gross Fiduciary activities income | $111,000 | 776 |
| Service charges on deposit accounts | $313,000 | 2,536 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,164,000 | 1,207 |
| Total noninterest expense | $6,444,000 | 1,316 |
| Salaries and employee benefits | $3,480,000 | 1,312 |
| Premises and equipment expense | $1,042,000 | 1,147 |
| Additional noninterest expense | $1,922,000 | 1,297 |
| Pre-tax net operating income | $2,653,000 | 1,747 |
| Securities gains (losses) | $-30,000 | 8,475 |
| Applicable income taxes | $767,000 | 1,677 |
| Income before extraordinary items | $1,856,000 | 1,838 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,856,000 | 1,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,044 |
| Cash dividends | $1,300,000 | 1,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,877,300 | 1,784 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,562,000 | 1,391 |
| Total interest expense | $1,852,000 | 1,287 |
| Net interest income | $3,710,000 | 1,421 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $749,000 | 1,572 |
| Gross Fiduciary activities income | $50,000 | 811 |
| Service charges on deposit accounts | $152,000 | 2,533 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $547,000 | 1,242 |
| Total noninterest expense | $3,125,000 | 1,362 |
| Salaries and employee benefits | $1,712,000 | 1,351 |
| Premises and equipment expense | $475,000 | 1,265 |
| Additional noninterest expense | $938,000 | 1,324 |
| Pre-tax net operating income | $1,214,000 | 1,858 |
| Securities gains (losses) | $-17,000 | 8,636 |
| Applicable income taxes | $351,000 | 1,768 |
| Income before extraordinary items | $846,000 | 1,987 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $846,000 | 1,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $1,000,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $858,070 | 1,924 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,756,000 | 1,379 |
| Total interest expense | $6,792,000 | 1,210 |
| Net interest income | $13,964,000 | 1,447 |
| Provision for loan and lease losses | $483,000 | 2,012 |
| Total noninterest income | $4,130,000 | 1,243 |
| Gross Fiduciary activities income | $200,000 | 791 |
| Service charges on deposit accounts | $710,000 | 2,345 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,220,000 | 930 |
| Total noninterest expense | $13,436,000 | 1,220 |
| Salaries and employee benefits | $7,041,000 | 1,248 |
| Premises and equipment expense | $1,904,000 | 1,199 |
| Additional noninterest expense | $4,491,000 | 1,095 |
| Pre-tax net operating income | $4,175,000 | 1,985 |
| Securities gains (losses) | $232,000 | 761 |
| Applicable income taxes | $1,263,000 | 1,838 |
| Income before extraordinary items | $3,144,000 | 1,995 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,144,000 | 1,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $437,000 | 1,488 |
| Cash dividends | $2,300,000 | 1,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,979,280 | 2,047 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,361,000 | 1,371 |
| Total interest expense | $5,012,000 | 1,195 |
| Net interest income | $10,349,000 | 1,455 |
| Provision for loan and lease losses | $403,000 | 1,759 |
| Total noninterest income | $3,336,000 | 1,199 |
| Gross Fiduciary activities income | $155,000 | 775 |
| Service charges on deposit accounts | $530,000 | 2,376 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,651,000 | 879 |
| Total noninterest expense | $10,101,000 | 1,209 |
| Salaries and employee benefits | $5,293,000 | 1,242 |
| Premises and equipment expense | $1,424,000 | 1,210 |
| Additional noninterest expense | $3,384,000 | 1,081 |
| Pre-tax net operating income | $3,181,000 | 1,975 |
| Securities gains (losses) | $47,000 | 1,709 |
| Applicable income taxes | $915,000 | 1,922 |
| Income before extraordinary items | $2,313,000 | 2,030 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,313,000 | 2,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,272 |
| Cash dividends | $2,000,000 | 976 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,279,160 | 2,006 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,111,000 | 1,375 |
| Total interest expense | $3,291,000 | 1,199 |
| Net interest income | $6,820,000 | 1,464 |
| Provision for loan and lease losses | $283,000 | 1,667 |
| Total noninterest income | $2,455,000 | 1,100 |
| Gross Fiduciary activities income | $104,000 | 786 |
| Service charges on deposit accounts | $346,000 | 2,422 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,005,000 | 799 |
| Total noninterest expense | $6,791,000 | 1,188 |
| Salaries and employee benefits | $3,527,000 | 1,239 |
| Premises and equipment expense | $934,000 | 1,232 |
| Additional noninterest expense | $2,330,000 | 1,054 |
| Pre-tax net operating income | $2,201,000 | 1,889 |
| Securities gains (losses) | $38,000 | 1,632 |
| Applicable income taxes | $649,000 | 1,815 |
| Income before extraordinary items | $1,590,000 | 1,971 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,590,000 | 1,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 1,087 |
| Cash dividends | $1,700,000 | 792 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,563,020 | 1,950 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,066,000 | 1,377 |
| Total interest expense | $1,666,000 | 1,203 |
| Net interest income | $3,400,000 | 1,468 |
| Provision for loan and lease losses | $163,000 | 1,349 |
| Total noninterest income | $754,000 | 1,568 |
| Gross Fiduciary activities income | $55,000 | 779 |
| Service charges on deposit accounts | $172,000 | 2,379 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $527,000 | 1,250 |
| Total noninterest expense | $3,283,000 | 1,241 |
| Salaries and employee benefits | $1,731,000 | 1,281 |
| Premises and equipment expense | $440,000 | 1,320 |
| Additional noninterest expense | $1,112,000 | 1,104 |
| Pre-tax net operating income | $708,000 | 2,682 |
| Securities gains (losses) | $31,000 | 1,473 |
| Applicable income taxes | $171,000 | 2,842 |
| Income before extraordinary items | $568,000 | 2,638 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $568,000 | 2,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 866 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $544,130 | 2,646 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,578,000 | 1,263 |
| Total interest expense | $8,122,000 | 1,105 |
| Net interest income | $14,456,000 | 1,352 |
| Provision for loan and lease losses | $950,000 | 1,246 |
| Total noninterest income | $3,165,000 | 1,613 |
| Gross Fiduciary activities income | $220,000 | 780 |
| Service charges on deposit accounts | $803,000 | 2,118 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,142,000 | 1,404 |
| Total noninterest expense | $12,610,000 | 1,284 |
| Salaries and employee benefits | $6,375,000 | 1,350 |
| Premises and equipment expense | $1,524,000 | 1,501 |
| Additional noninterest expense | $4,711,000 | 1,080 |
| Pre-tax net operating income | $4,061,000 | 1,955 |
| Securities gains (losses) | $211,000 | 1,308 |
| Applicable income taxes | $1,080,000 | 2,072 |
| Income before extraordinary items | $3,192,000 | 1,934 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,192,000 | 1,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $840,000 | 1,051 |
| Cash dividends | $4,700,000 | 688 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,033,750 | 1,929 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,289,000 | 1,263 |
| Total interest expense | $6,310,000 | 1,110 |
| Net interest income | $10,979,000 | 1,344 |
| Provision for loan and lease losses | $788,000 | 1,104 |
| Total noninterest income | $2,429,000 | 1,625 |
| Gross Fiduciary activities income | $170,000 | 770 |
| Service charges on deposit accounts | $618,000 | 2,084 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,641,000 | 1,439 |
| Total noninterest expense | $9,190,000 | 1,332 |
| Salaries and employee benefits | $4,630,000 | 1,402 |
| Premises and equipment expense | $1,124,000 | 1,527 |
| Additional noninterest expense | $3,436,000 | 1,113 |
| Pre-tax net operating income | $3,430,000 | 1,824 |
| Securities gains (losses) | $12,000 | 3,246 |
| Applicable income taxes | $930,000 | 1,970 |
| Income before extraordinary items | $2,512,000 | 1,911 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,512,000 | 1,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $515,000 | 1,136 |
| Cash dividends | $1,200,000 | 1,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,503,240 | 1,814 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,854,000 | 1,242 |
| Total interest expense | $4,377,000 | 1,100 |
| Net interest income | $7,477,000 | 1,309 |
| Provision for loan and lease losses | $525,000 | 1,092 |
| Total noninterest income | $1,741,000 | 1,527 |
| Gross Fiduciary activities income | $157,000 | 695 |
| Service charges on deposit accounts | $418,000 | 2,009 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,166,000 | 1,361 |
| Total noninterest expense | $6,072,000 | 1,348 |
| Salaries and employee benefits | $3,062,000 | 1,414 |
| Premises and equipment expense | $731,000 | 1,565 |
| Additional noninterest expense | $2,279,000 | 1,115 |
| Pre-tax net operating income | $2,621,000 | 1,603 |
| Securities gains (losses) | $10,000 | 2,948 |
| Applicable income taxes | $721,000 | 1,774 |
| Income before extraordinary items | $1,910,000 | 1,699 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,910,000 | 1,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 1,172 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,902,700 | 1,602 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,989,000 | 1,237 |
| Total interest expense | $2,257,000 | 1,082 |
| Net interest income | $3,732,000 | 1,309 |
| Provision for loan and lease losses | $263,000 | 1,067 |
| Total noninterest income | $825,000 | 1,544 |
| Gross Fiduciary activities income | $87,000 | 685 |
| Service charges on deposit accounts | $203,000 | 1,994 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $535,000 | 1,418 |
| Total noninterest expense | $3,021,000 | 1,334 |
| Salaries and employee benefits | $1,470,000 | 1,456 |
| Premises and equipment expense | $366,000 | 1,577 |
| Additional noninterest expense | $1,185,000 | 1,043 |
| Pre-tax net operating income | $1,273,000 | 1,645 |
| Securities gains (losses) | $6,000 | 2,344 |
| Applicable income taxes | $344,000 | 1,845 |
| Income before extraordinary items | $935,000 | 1,707 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $935,000 | 1,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 938 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $930,620 | 1,609 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,145,000 | 917 |
| Total interest expense | $13,640,000 | 828 |
| Net interest income | $19,505,000 | 995 |
| Provision for loan and lease losses | $1,446,000 | 978 |
| Total noninterest income | $34,145,000 | 283 |
| Gross Fiduciary activities income | $321,000 | 693 |
| Service charges on deposit accounts | $804,000 | 1,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $33,020,000 | 227 |
| Total noninterest expense | $43,419,000 | 419 |
| Salaries and employee benefits | $29,359,000 | 309 |
| Premises and equipment expense | $3,061,000 | 723 |
| Additional noninterest expense | $10,999,000 | 526 |
| Pre-tax net operating income | $8,785,000 | 968 |
| Securities gains (losses) | $13,000 | 3,457 |
| Applicable income taxes | $3,177,000 | 880 |
| Income before extraordinary items | $5,621,000 | 1,115 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,621,000 | 1,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,580,000 | 649 |
| Cash dividends | $1,111,000 | 2,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,612,680 | 1,074 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $41,348,000 | 825 |
| Total interest expense | $22,949,000 | 729 |
| Net interest income | $18,399,000 | 980 |
| Provision for loan and lease losses | $2,007,000 | 696 |
| Total noninterest income | $33,131,000 | 284 |
| Gross Fiduciary activities income | $244,000 | 786 |
| Service charges on deposit accounts | $730,000 | 2,067 |
| Trading account gains and fees | $235,000 | 101 |
| Additional Noninterest Income | $31,922,000 | 236 |
| Total noninterest expense | $41,034,000 | 422 |
| Salaries and employee benefits | $26,746,000 | 303 |
| Premises and equipment expense | $3,153,000 | 682 |
| Additional noninterest expense | $11,135,000 | 533 |
| Pre-tax net operating income | $8,489,000 | 895 |
| Securities gains (losses) | $191,000 | 1,225 |
| Applicable income taxes | $2,679,000 | 917 |
| Income before extraordinary items | $6,001,000 | 917 |
| Extraordinary gains, net | $-162,000 | 9,537 |
| Net income | $5,839,000 | 941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,625,000 | 670 |
| Cash dividends | $1,738,000 | 1,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,869,210 | 896 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $41,763,000 | 854 |
| Total interest expense | $24,619,000 | 741 |
| Net interest income | $17,144,000 | 1,024 |
| Provision for loan and lease losses | $1,295,000 | 859 |
| Total noninterest income | $20,651,000 | 367 |
| Gross Fiduciary activities income | $169,000 | 834 |
| Service charges on deposit accounts | $768,000 | 1,809 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $19,714,000 | 294 |
| Total noninterest expense | $31,355,000 | 514 |
| Salaries and employee benefits | $18,387,000 | 408 |
| Premises and equipment expense | $3,363,000 | 635 |
| Additional noninterest expense | $9,605,000 | 604 |
| Pre-tax net operating income | $5,145,000 | 1,436 |
| Securities gains (losses) | $37,000 | 791 |
| Applicable income taxes | $1,498,000 | 1,520 |
| Income before extraordinary items | $3,684,000 | 1,440 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,684,000 | 1,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,023,000 | 738 |
| Cash dividends | $1,360,000 | 1,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,657,730 | 1,440 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $32,164,000 | 1,023 |
| Total interest expense | $16,252,000 | 959 |
| Net interest income | $15,912,000 | 1,102 |
| Provision for loan and lease losses | $986,000 | 996 |
| Total noninterest income | $17,456,000 | 438 |
| Gross Fiduciary activities income | $163,000 | 904 |
| Service charges on deposit accounts | $715,000 | 1,858 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $16,578,000 | 339 |
| Total noninterest expense | $28,865,000 | 558 |
| Salaries and employee benefits | $16,695,000 | 461 |
| Premises and equipment expense | $3,016,000 | 694 |
| Additional noninterest expense | $9,154,000 | 646 |
| Pre-tax net operating income | $3,517,000 | 2,084 |
| Securities gains (losses) | $20,000 | 1,398 |
| Applicable income taxes | $522,000 | 3,545 |
| Income before extraordinary items | $3,015,000 | 1,766 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,015,000 | 1,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $514,000 | 1,200 |
| Cash dividends | $833,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,998,000 | 1,749 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,614,000 | 1,370 |
| Total interest expense | $12,341,000 | 1,264 |
| Net interest income | $11,273,000 | 1,504 |
| Provision for loan and lease losses | $453,000 | 1,858 |
| Total noninterest income | $15,627,000 | 437 |
| Gross Fiduciary activities income | $147,000 | 936 |
| Service charges on deposit accounts | $385,000 | 3,237 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $15,095,000 | 349 |
| Total noninterest expense | $23,662,000 | 646 |
| Salaries and employee benefits | $12,152,000 | 586 |
| Premises and equipment expense | $2,191,000 | 894 |
| Additional noninterest expense | $9,319,000 | 617 |
| Pre-tax net operating income | $2,785,000 | 2,542 |
| Securities gains (losses) | $77,000 | 1,445 |
| Applicable income taxes | $672,000 | 3,126 |
| Income before extraordinary items | $2,190,000 | 2,363 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,190,000 | 2,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,906 |
| Cash dividends | $898,000 | 2,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,130,710 | 2,335 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,906,000 | 1,499 |
| Total interest expense | $10,850,000 | 1,438 |
| Net interest income | $11,056,000 | 1,559 |
| Provision for loan and lease losses | $317,000 | 2,489 |
| Total noninterest income | $7,625,000 | 689 |
| Gross Fiduciary activities income | $152,000 | 965 |
| Service charges on deposit accounts | $410,000 | 3,150 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $7,063,000 | 506 |
| Total noninterest expense | $15,043,000 | 938 |
| Salaries and employee benefits | $7,878,000 | 842 |
| Premises and equipment expense | $1,811,000 | 1,098 |
| Additional noninterest expense | $5,354,000 | 916 |
| Pre-tax net operating income | $3,321,000 | 2,275 |
| Securities gains (losses) | $-13,000 | 10,166 |
| Applicable income taxes | $828,000 | 2,848 |
| Income before extraordinary items | $2,480,000 | 2,125 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,480,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 10,434 |
| Cash dividends | $873,000 | 2,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,489,750 | 2,066 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,963,000 | 1,888 |
| Total interest expense | $8,465,000 | 1,860 |
| Net interest income | $9,498,000 | 1,876 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $1,981,000 | 1,851 |
| Gross Fiduciary activities income | $92,000 | 1,129 |
| Service charges on deposit accounts | $421,000 | 3,199 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,468,000 | 1,403 |
| Total noninterest expense | $9,023,000 | 1,570 |
| Salaries and employee benefits | $4,415,000 | 1,507 |
| Premises and equipment expense | $976,000 | 2,059 |
| Additional noninterest expense | $3,632,000 | 1,464 |
| Pre-tax net operating income | $2,216,000 | 3,138 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $431,000 | 4,652 |
| Income before extraordinary items | $1,781,000 | 2,727 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,781,000 | 2,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 2,085 |
| Cash dividends | $280,000 | 4,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,784,240 | 2,675 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,122,000 | 2,375 |
| Total interest expense | $6,200,000 | 2,481 |
| Net interest income | $7,922,000 | 2,270 |
| Provision for loan and lease losses | $38,000 | 6,705 |
| Total noninterest income | $1,160,000 | 2,792 |
| Gross Fiduciary activities income | $101,000 | 1,161 |
| Service charges on deposit accounts | $437,000 | 3,082 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $622,000 | 2,478 |
| Total noninterest expense | $6,852,000 | 2,019 |
| Salaries and employee benefits | $3,342,000 | 1,987 |
| Premises and equipment expense | $927,000 | 2,169 |
| Additional noninterest expense | $2,583,000 | 1,945 |
| Pre-tax net operating income | $2,192,000 | 3,224 |
| Securities gains (losses) | $77,000 | 1,071 |
| Applicable income taxes | $441,000 | 4,588 |
| Income before extraordinary items | $1,828,000 | 2,703 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,828,000 | 2,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,120 |
| Cash dividends | $1,646,000 | 1,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,765,630 | 2,757 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,422,000 | 2,443 |
| Total interest expense | $4,802,000 | 2,555 |
| Net interest income | $7,620,000 | 2,369 |
| Provision for loan and lease losses | $208,000 | 2,952 |
| Total noninterest income | $996,000 | 3,126 |
| Gross Fiduciary activities income | $56,000 | 1,280 |
| Service charges on deposit accounts | $430,000 | 3,163 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $510,000 | 2,921 |
| Total noninterest expense | $6,486,000 | 2,174 |
| Salaries and employee benefits | $3,152,000 | 2,097 |
| Premises and equipment expense | $1,001,000 | 2,034 |
| Additional noninterest expense | $2,333,000 | 2,270 |
| Pre-tax net operating income | $1,922,000 | 3,545 |
| Securities gains (losses) | $25,000 | 1,598 |
| Applicable income taxes | $326,000 | 5,558 |
| Income before extraordinary items | $1,621,000 | 2,967 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,621,000 | 2,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,872 |
| Cash dividends | $760,000 | 2,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,600,250 | 3,029 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,204,000 | 2,527 |
| Total interest expense | $4,678,000 | 2,755 |
| Net interest income | $7,526,000 | 2,382 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $925,000 | 3,556 |
| Gross Fiduciary activities income | $47,000 | 1,349 |
| Service charges on deposit accounts | $426,000 | 3,260 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $452,000 | 3,483 |
| Total noninterest expense | $6,273,000 | 2,302 |
| Salaries and employee benefits | $3,054,000 | 2,173 |
| Premises and equipment expense | $1,004,000 | 2,042 |
| Additional noninterest expense | $2,215,000 | 2,504 |
| Pre-tax net operating income | $1,928,000 | 3,425 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $322,000 | 5,812 |
| Income before extraordinary items | $1,606,000 | 3,043 |
| Extraordinary gains, net | $-87,000 | 12,890 |
| Net income | $1,519,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 2,419 |
| Cash dividends | $140,000 | 6,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,606,000 | 2,876 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $13,726,000 | 2,570 |
| Total interest expense | $6,528,000 | 2,578 |
| Net interest income | $7,198,000 | 2,527 |
| Provision for loan and lease losses | $566,000 | 2,744 |
| Total noninterest income | $881,000 | 3,679 |
| Gross Fiduciary activities income | $35,000 | 1,416 |
| Service charges on deposit accounts | $394,000 | 3,541 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $452,000 | 3,421 |
| Total noninterest expense | $6,067,000 | 2,396 |
| Salaries and employee benefits | $2,948,000 | 2,212 |
| Premises and equipment expense | $986,000 | 2,118 |
| Additional noninterest expense | $2,133,000 | 2,653 |
| Pre-tax net operating income | $1,446,000 | 4,177 |
| Securities gains (losses) | $206,000 | 1,976 |
| Applicable income taxes | $270,000 | 6,362 |
| Income before extraordinary items | $1,382,000 | 3,322 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,382,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 4,125 |
| Cash dividends | $657,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,208,960 | 3,497 |
* 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.