Home > Ideal Federal Savings Bank > Income and Expense
Ideal Federal Savings Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $166,000 | 7,777 |
| Total interest expense | $44,000 | 7,724 |
| Net interest income | $122,000 | 7,775 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $13,000 | 7,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $13,000 | 6,724 |
| Total noninterest expense | $196,000 | 7,748 |
| Salaries and employee benefits | $57,000 | 7,799 |
| Premises and equipment expense | $49,000 | 7,216 |
| Additional noninterest expense | $90,000 | 7,621 |
| Pre-tax net operating income | $-61,000 | 6,203 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-61,000 | 6,342 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-61,000 | 6,344 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-61,000 | 6,342 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-61,000 | 6,250 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $91,000 | 7,874 |
| Total interest expense | $22,000 | 7,828 |
| Net interest income | $69,000 | 7,866 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $7,000 | 7,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $7,000 | 6,844 |
| Total noninterest expense | $98,000 | 7,851 |
| Salaries and employee benefits | $25,000 | 7,909 |
| Premises and equipment expense | $24,000 | 7,316 |
| Additional noninterest expense | $49,000 | 7,678 |
| Pre-tax net operating income | $-22,000 | 6,386 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-22,000 | 6,503 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-22,000 | 6,505 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-22,000 | 6,504 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-22,000 | 6,422 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $363,000 | 7,945 |
| Total interest expense | $93,000 | 7,911 |
| Net interest income | $270,000 | 7,937 |
| Provision for loan and lease losses | $247,000 | 5,530 |
| Total noninterest income | $116,000 | 6,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $116,000 | 5,461 |
| Total noninterest expense | $530,000 | 7,853 |
| Salaries and employee benefits | $190,000 | 7,942 |
| Premises and equipment expense | $111,000 | 7,276 |
| Additional noninterest expense | $229,000 | 7,649 |
| Pre-tax net operating income | $-391,000 | 5,901 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-12,000 | 6,256 |
| Income before extraordinary items | $-379,000 | 6,001 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-379,000 | 5,999 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-379,000 | 5,999 |
| Net charge-offs | $5,000 | 7,029 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-379,000 | 6,000 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $269,000 | 8,030 |
| Total interest expense | $70,000 | 7,997 |
| Net interest income | $199,000 | 8,025 |
| Provision for loan and lease losses | $247,000 | 4,880 |
| Total noninterest income | $109,000 | 6,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $109,000 | 5,257 |
| Total noninterest expense | $418,000 | 7,899 |
| Salaries and employee benefits | $149,000 | 8,008 |
| Premises and equipment expense | $81,000 | 7,368 |
| Additional noninterest expense | $188,000 | 7,639 |
| Pre-tax net operating income | $-357,000 | 6,190 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-357,000 | 6,289 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-357,000 | 6,290 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-357,000 | 6,289 |
| Net charge-offs | $5,000 | 6,691 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-357,000 | 6,280 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $176,000 | 8,124 |
| Total interest expense | $47,000 | 8,089 |
| Net interest income | $129,000 | 8,111 |
| Provision for loan and lease losses | $247,000 | 4,036 |
| Total noninterest income | $101,000 | 6,367 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $101,000 | 4,769 |
| Total noninterest expense | $306,000 | 7,929 |
| Salaries and employee benefits | $111,000 | 8,075 |
| Premises and equipment expense | $58,000 | 7,366 |
| Additional noninterest expense | $137,000 | 7,625 |
| Pre-tax net operating income | $-323,000 | 6,459 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-323,000 | 6,564 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-323,000 | 6,564 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-323,000 | 6,564 |
| Net charge-offs | $5,000 | 6,236 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-323,000 | 6,557 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $90,000 | 8,176 |
| Total interest expense | $23,000 | 8,147 |
| Net interest income | $67,000 | 8,164 |
| Provision for loan and lease losses | $247,000 | 2,580 |
| Total noninterest income | $99,000 | 5,236 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $99,000 | 3,674 |
| Total noninterest expense | $192,000 | 7,794 |
| Salaries and employee benefits | $63,000 | 8,089 |
| Premises and equipment expense | $28,000 | 7,445 |
| Additional noninterest expense | $101,000 | 7,077 |
| Pre-tax net operating income | $-273,000 | 7,019 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-273,000 | 7,155 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-273,000 | 7,155 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-273,000 | 7,156 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-273,000 | 7,097 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $408,000 | 8,206 |
| Total interest expense | $126,000 | 8,168 |
| Net interest income | $282,000 | 8,199 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $-64,000 | 8,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-64,000 | 8,105 |
| Total noninterest expense | $362,000 | 8,216 |
| Salaries and employee benefits | $161,000 | 8,231 |
| Premises and equipment expense | $75,000 | 7,841 |
| Additional noninterest expense | $126,000 | 8,152 |
| Pre-tax net operating income | $-144,000 | 6,501 |
| Securities gains (losses) | $-16,000 | 7,060 |
| Applicable income taxes | $-3,000 | 6,737 |
| Income before extraordinary items | $-157,000 | 6,427 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-157,000 | 6,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-141,320 | 6,562 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $314,000 | 8,300 |
| Total interest expense | $101,000 | 8,251 |
| Net interest income | $213,000 | 8,295 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $26,000 | 7,970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $26,000 | 7,229 |
| Total noninterest expense | $261,000 | 8,290 |
| Salaries and employee benefits | $108,000 | 8,312 |
| Premises and equipment expense | $49,000 | 7,989 |
| Additional noninterest expense | $104,000 | 8,163 |
| Pre-tax net operating income | $-22,000 | 6,791 |
| Securities gains (losses) | $-16,000 | 7,390 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-38,000 | 6,678 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-38,000 | 6,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-22,000 | 6,821 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $215,000 | 8,370 |
| Total interest expense | $73,000 | 8,306 |
| Net interest income | $142,000 | 8,360 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $13,000 | 8,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $13,000 | 7,530 |
| Total noninterest expense | $173,000 | 8,363 |
| Salaries and employee benefits | $75,000 | 8,387 |
| Premises and equipment expense | $34,000 | 8,018 |
| Additional noninterest expense | $64,000 | 8,257 |
| Pre-tax net operating income | $-18,000 | 7,000 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-18,000 | 7,071 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-18,000 | 7,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-18,000 | 7,032 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $105,000 | 8,432 |
| Total interest expense | $41,000 | 8,338 |
| Net interest income | $64,000 | 8,427 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $6,000 | 8,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $6,000 | 7,600 |
| Total noninterest expense | $78,000 | 8,426 |
| Salaries and employee benefits | $32,000 | 8,447 |
| Premises and equipment expense | $16,000 | 8,087 |
| Additional noninterest expense | $30,000 | 8,319 |
| Pre-tax net operating income | $-8,000 | 7,232 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-8,000 | 7,328 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,000 | 7,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-8,000 | 7,250 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $496,000 | 8,399 |
| Total interest expense | $185,000 | 8,315 |
| Net interest income | $311,000 | 8,416 |
| Provision for loan and lease losses | $50,000 | 5,648 |
| Total noninterest income | $46,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $46,000 | 7,175 |
| Total noninterest expense | $407,000 | 8,411 |
| Salaries and employee benefits | $175,000 | 8,449 |
| Premises and equipment expense | $79,000 | 7,973 |
| Additional noninterest expense | $153,000 | 8,239 |
| Pre-tax net operating income | $-100,000 | 7,560 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-100,000 | 7,635 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-100,000 | 7,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,761 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-100,000 | 7,612 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $356,000 | 8,452 |
| Total interest expense | $137,000 | 8,355 |
| Net interest income | $219,000 | 8,463 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $31,000 | 8,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $31,000 | 7,315 |
| Total noninterest expense | $281,000 | 8,437 |
| Salaries and employee benefits | $127,000 | 8,469 |
| Premises and equipment expense | $58,000 | 7,963 |
| Additional noninterest expense | $96,000 | 8,351 |
| Pre-tax net operating income | $-31,000 | 7,702 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-6,000 | 8,005 |
| Income before extraordinary items | $-25,000 | 7,732 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-25,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,536 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-25,000 | 7,711 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $246,000 | 8,516 |
| Total interest expense | $94,000 | 8,416 |
| Net interest income | $152,000 | 8,527 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $19,000 | 8,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $19,000 | 7,424 |
| Total noninterest expense | $195,000 | 8,480 |
| Salaries and employee benefits | $92,000 | 8,503 |
| Premises and equipment expense | $40,000 | 7,995 |
| Additional noninterest expense | $63,000 | 8,401 |
| Pre-tax net operating income | $-24,000 | 7,837 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-5,000 | 8,105 |
| Income before extraordinary items | $-19,000 | 7,842 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-19,000 | 7,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-19,000 | 7,832 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $125,000 | 8,560 |
| Total interest expense | $47,000 | 8,469 |
| Net interest income | $78,000 | 8,570 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $7,000 | 8,340 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,000 | 7,693 |
| Total noninterest expense | $94,000 | 8,528 |
| Salaries and employee benefits | $47,000 | 8,542 |
| Premises and equipment expense | $22,000 | 7,922 |
| Additional noninterest expense | $25,000 | 8,508 |
| Pre-tax net operating income | $-9,000 | 7,901 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-2,000 | 8,174 |
| Income before extraordinary items | $-7,000 | 7,897 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-7,000 | 7,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-7,000 | 7,885 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $487,000 | 8,544 |
| Total interest expense | $163,000 | 8,469 |
| Net interest income | $324,000 | 8,543 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $62,000 | 8,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $62,000 | 7,020 |
| Total noninterest expense | $360,000 | 8,572 |
| Salaries and employee benefits | $184,000 | 8,567 |
| Premises and equipment expense | $71,000 | 8,133 |
| Additional noninterest expense | $105,000 | 8,541 |
| Pre-tax net operating income | $26,000 | 7,884 |
| Securities gains (losses) | $11,000 | 1,071 |
| Applicable income taxes | $8,000 | 6,215 |
| Income before extraordinary items | $29,000 | 7,899 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $29,000 | 7,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $20,420 | 7,912 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $359,000 | 8,611 |
| Total interest expense | $117,000 | 8,526 |
| Net interest income | $242,000 | 8,614 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $48,000 | 8,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 6,985 |
| Total noninterest expense | $267,000 | 8,620 |
| Salaries and employee benefits | $138,000 | 8,620 |
| Premises and equipment expense | $50,000 | 8,221 |
| Additional noninterest expense | $79,000 | 8,583 |
| Pre-tax net operating income | $23,000 | 8,043 |
| Securities gains (losses) | $7,000 | 967 |
| Applicable income taxes | $6,000 | 6,367 |
| Income before extraordinary items | $24,000 | 8,054 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $24,000 | 8,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $18,400 | 8,061 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $235,000 | 8,664 |
| Total interest expense | $73,000 | 8,585 |
| Net interest income | $162,000 | 8,672 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $42,000 | 8,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $42,000 | 6,634 |
| Total noninterest expense | $189,000 | 8,642 |
| Salaries and employee benefits | $98,000 | 8,653 |
| Premises and equipment expense | $30,000 | 8,317 |
| Additional noninterest expense | $61,000 | 8,560 |
| Pre-tax net operating income | $15,000 | 8,112 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,000 | 6,457 |
| Income before extraordinary items | $12,000 | 8,128 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $12,000 | 8,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $12,000 | 8,122 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $110,000 | 8,704 |
| Total interest expense | $34,000 | 8,609 |
| Net interest income | $76,000 | 8,701 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $12,000 | 8,372 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $87,000 | 8,679 |
| Salaries and employee benefits | $45,000 | 8,688 |
| Premises and equipment expense | $13,000 | 8,407 |
| Additional noninterest expense | $29,000 | 8,598 |
| Pre-tax net operating income | $1,000 | 8,180 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,000 | 8,185 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,000 | 8,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,000 | 8,176 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $432,000 | 8,666 |
| Total interest expense | $115,000 | 8,600 |
| Net interest income | $317,000 | 8,661 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $45,000 | 8,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $45,000 | 7,498 |
| Total noninterest expense | $350,000 | 8,719 |
| Salaries and employee benefits | $160,000 | 8,734 |
| Premises and equipment expense | $70,000 | 8,226 |
| Additional noninterest expense | $120,000 | 8,631 |
| Pre-tax net operating income | $12,000 | 8,208 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-1,000 | 8,401 |
| Income before extraordinary items | $13,000 | 8,239 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $13,000 | 8,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $13,000 | 8,210 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $325,000 | 8,725 |
| Total interest expense | $84,000 | 8,652 |
| Net interest income | $241,000 | 8,718 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $31,000 | 8,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,617 |
| Total noninterest expense | $269,000 | 8,715 |
| Salaries and employee benefits | $120,000 | 8,755 |
| Premises and equipment expense | $51,000 | 8,253 |
| Additional noninterest expense | $98,000 | 8,580 |
| Pre-tax net operating income | $3,000 | 8,305 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-1,000 | 8,537 |
| Income before extraordinary items | $4,000 | 8,330 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,000 | 8,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,000 | 8,300 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $225,000 | 8,730 |
| Total interest expense | $56,000 | 8,657 |
| Net interest income | $169,000 | 8,721 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $26,000 | 8,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $26,000 | 7,352 |
| Total noninterest expense | $178,000 | 8,726 |
| Salaries and employee benefits | $76,000 | 8,776 |
| Premises and equipment expense | $36,000 | 8,221 |
| Additional noninterest expense | $66,000 | 8,577 |
| Pre-tax net operating income | $17,000 | 8,294 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,000 | 6,782 |
| Income before extraordinary items | $15,000 | 8,311 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $15,000 | 8,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $15,000 | 8,278 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $113,000 | 8,801 |
| Total interest expense | $27,000 | 8,730 |
| Net interest income | $86,000 | 8,798 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $8,000 | 8,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,922 |
| Total noninterest expense | $87,000 | 8,806 |
| Salaries and employee benefits | $37,000 | 8,851 |
| Premises and equipment expense | $21,000 | 8,119 |
| Additional noninterest expense | $29,000 | 8,714 |
| Pre-tax net operating income | $7,000 | 8,372 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,000 | 6,630 |
| Income before extraordinary items | $5,000 | 8,412 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $5,000 | 8,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $5,000 | 8,382 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $442,000 | 8,795 |
| Total interest expense | $97,000 | 8,745 |
| Net interest income | $345,000 | 8,783 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $59,000 | 8,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $59,000 | 7,212 |
| Total noninterest expense | $374,000 | 8,816 |
| Salaries and employee benefits | $165,000 | 8,860 |
| Premises and equipment expense | $73,000 | 8,310 |
| Additional noninterest expense | $136,000 | 8,658 |
| Pre-tax net operating income | $30,000 | 8,309 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,000 | 7,000 |
| Income before extraordinary items | $27,000 | 8,356 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $27,000 | 8,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $27,000 | 8,322 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $331,000 | 8,851 |
| Total interest expense | $72,000 | 8,803 |
| Net interest income | $259,000 | 8,836 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $48,000 | 8,511 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 7,110 |
| Total noninterest expense | $278,000 | 8,853 |
| Salaries and employee benefits | $117,000 | 8,918 |
| Premises and equipment expense | $56,000 | 8,290 |
| Additional noninterest expense | $105,000 | 8,664 |
| Pre-tax net operating income | $29,000 | 8,372 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,000 | 7,080 |
| Income before extraordinary items | $27,000 | 8,409 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $27,000 | 8,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $27,000 | 8,371 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $224,000 | 8,907 |
| Total interest expense | $48,000 | 8,868 |
| Net interest income | $176,000 | 8,884 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $30,000 | 8,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $30,000 | 7,216 |
| Total noninterest expense | $193,000 | 8,891 |
| Salaries and employee benefits | $79,000 | 8,972 |
| Premises and equipment expense | $41,000 | 8,228 |
| Additional noninterest expense | $73,000 | 8,671 |
| Pre-tax net operating income | $13,000 | 8,453 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $11,000 | 8,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $11,000 | 8,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $11,000 | 8,446 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $112,000 | 8,962 |
| Total interest expense | $24,000 | 8,910 |
| Net interest income | $88,000 | 8,932 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $10,000 | 8,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $97,000 | 8,924 |
| Salaries and employee benefits | $42,000 | 9,000 |
| Premises and equipment expense | $19,000 | 8,322 |
| Additional noninterest expense | $36,000 | 8,729 |
| Pre-tax net operating income | $1,000 | 8,530 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,000 | 6,972 |
| Income before extraordinary items | $0 | 8,589 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $0 | 8,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $0 | 8,537 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $446,000 | 8,988 |
| Total interest expense | $103,000 | 8,953 |
| Net interest income | $343,000 | 8,963 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $47,000 | 8,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $47,000 | 7,633 |
| Total noninterest expense | $381,000 | 9,000 |
| Salaries and employee benefits | $173,000 | 9,037 |
| Premises and equipment expense | $72,000 | 8,459 |
| Additional noninterest expense | $136,000 | 8,827 |
| Pre-tax net operating income | $9,000 | 8,495 |
| Securities gains (losses) | $63,000 | 2,296 |
| Applicable income taxes | $11,000 | 7,016 |
| Income before extraordinary items | $61,000 | 8,418 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $61,000 | 8,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,260 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,450 | 8,513 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $336,000 | 9,066 |
| Total interest expense | $80,000 | 9,037 |
| Net interest income | $256,000 | 9,040 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $34,000 | 8,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,000 | 7,714 |
| Total noninterest expense | $279,000 | 9,054 |
| Salaries and employee benefits | $112,000 | 9,131 |
| Premises and equipment expense | $56,000 | 8,458 |
| Additional noninterest expense | $111,000 | 8,808 |
| Pre-tax net operating income | $11,000 | 8,594 |
| Securities gains (losses) | $8,000 | 3,425 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $19,000 | 8,660 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $19,000 | 8,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $11,000 | 8,594 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $228,000 | 9,106 |
| Total interest expense | $56,000 | 9,070 |
| Net interest income | $172,000 | 9,080 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $20,000 | 8,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $20,000 | 7,844 |
| Total noninterest expense | $187,000 | 9,076 |
| Salaries and employee benefits | $74,000 | 9,165 |
| Premises and equipment expense | $40,000 | 8,386 |
| Additional noninterest expense | $73,000 | 8,827 |
| Pre-tax net operating income | $5,000 | 8,631 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $5,000 | 8,736 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,000 | 8,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,000 | 8,618 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $116,000 | 9,147 |
| Total interest expense | $28,000 | 9,129 |
| Net interest income | $88,000 | 9,122 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $13,000 | 8,892 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $90,000 | 9,133 |
| Salaries and employee benefits | $38,000 | 9,204 |
| Premises and equipment expense | $21,000 | 8,333 |
| Additional noninterest expense | $31,000 | 8,995 |
| Pre-tax net operating income | $11,000 | 8,563 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $11,000 | 8,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $11,000 | 8,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $11,000 | 8,505 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $414,000 | 9,198 |
| Total interest expense | $135,000 | 9,158 |
| Net interest income | $279,000 | 9,193 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $44,000 | 9,004 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $44,000 | 7,759 |
| Total noninterest expense | $372,000 | 9,172 |
| Salaries and employee benefits | $159,000 | 9,217 |
| Premises and equipment expense | $70,000 | 8,597 |
| Additional noninterest expense | $143,000 | 8,936 |
| Pre-tax net operating income | $-49,000 | 8,709 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-4,000 | 8,814 |
| Income before extraordinary items | $-45,000 | 8,786 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-45,000 | 8,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,932 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-45,000 | 8,717 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $472,000 | 9,438 |
| Total interest expense | $194,000 | 9,399 |
| Net interest income | $278,000 | 9,437 |
| Provision for loan and lease losses | $5,000 | 8,099 |
| Total noninterest income | $39,000 | 9,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $39,000 | 8,049 |
| Total noninterest expense | $345,000 | 9,441 |
| Salaries and employee benefits | $150,000 | 9,489 |
| Premises and equipment expense | $81,000 | 8,604 |
| Additional noninterest expense | $114,000 | 9,288 |
| Pre-tax net operating income | $-33,000 | 8,786 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-2,000 | 8,936 |
| Income before extraordinary items | $-31,000 | 8,878 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-31,000 | 8,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,863 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-31,000 | 8,800 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $515,000 | 9,689 |
| Total interest expense | $228,000 | 9,623 |
| Net interest income | $287,000 | 9,712 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $43,000 | 9,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $43,000 | 8,071 |
| Total noninterest expense | $342,000 | 9,700 |
| Salaries and employee benefits | $154,000 | 9,741 |
| Premises and equipment expense | $73,000 | 8,931 |
| Additional noninterest expense | $115,000 | 9,534 |
| Pre-tax net operating income | $-12,000 | 9,156 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $5,000 | 8,201 |
| Income before extraordinary items | $-17,000 | 9,182 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-17,000 | 9,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-17,000 | 9,169 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $516,000 | 9,962 |
| Total interest expense | $213,000 | 9,919 |
| Net interest income | $303,000 | 9,955 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $66,000 | 9,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $66,000 | 7,548 |
| Total noninterest expense | $355,000 | 9,971 |
| Salaries and employee benefits | $180,000 | 9,976 |
| Premises and equipment expense | $72,000 | 9,182 |
| Additional noninterest expense | $103,000 | 9,902 |
| Pre-tax net operating income | $14,000 | 9,356 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,000 | 8,682 |
| Income before extraordinary items | $12,000 | 9,403 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,000 | 9,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,102 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $12,000 | 9,373 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $555,000 | 10,194 |
| Total interest expense | $227,000 | 10,159 |
| Net interest income | $328,000 | 10,170 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $60,000 | 9,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $60,000 | 7,800 |
| Total noninterest expense | $390,000 | 10,085 |
| Salaries and employee benefits | $170,000 | 10,218 |
| Premises and equipment expense | $68,000 | 9,397 |
| Additional noninterest expense | $152,000 | 9,634 |
| Pre-tax net operating income | $-2,000 | 9,807 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-2,000 | 9,845 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-2,000 | 9,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-2,000 | 9,799 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $572,000 | 10,660 |
| Total interest expense | $229,000 | 10,630 |
| Net interest income | $343,000 | 10,631 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $25,000 | 10,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $25,000 | 9,587 |
| Total noninterest expense | $297,000 | 10,707 |
| Salaries and employee benefits | $129,000 | 10,765 |
| Premises and equipment expense | $51,000 | 10,179 |
| Additional noninterest expense | $117,000 | 10,374 |
| Pre-tax net operating income | $71,000 | 10,172 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $18,000 | 9,756 |
| Income before extraordinary items | $53,000 | 10,223 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $53,000 | 10,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $53,000 | 10,190 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $552,000 | 11,224 |
| Total interest expense | $236,000 | 11,181 |
| Net interest income | $316,000 | 11,212 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $49,000 | 10,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $49,000 | 8,929 |
| Total noninterest expense | $320,000 | 11,176 |
| Salaries and employee benefits | $124,000 | 11,306 |
| Premises and equipment expense | $41,000 | 10,885 |
| Additional noninterest expense | $155,000 | 10,489 |
| Pre-tax net operating income | $45,000 | 10,623 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $12,000 | 10,336 |
| Income before extraordinary items | $33,000 | 10,667 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $33,000 | 10,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $33,000 | 10,620 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $597,000 | 11,721 |
| Total interest expense | $250,000 | 11,671 |
| Net interest income | $347,000 | 11,701 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $43,000 | 11,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $339,000 | 11,625 |
| Salaries and employee benefits | $157,000 | 11,709 |
| Premises and equipment expense | $46,000 | 11,193 |
| Additional noninterest expense | $136,000 | 11,232 |
| Pre-tax net operating income | $51,000 | 11,300 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $11,000 | 10,915 |
| Income before extraordinary items | $40,000 | 11,339 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $40,000 | 11,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $40,000 | 11,306 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $607,000 | 12,302 |
| Total interest expense | $226,000 | 12,270 |
| Net interest income | $381,000 | 12,265 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $33,000 | 12,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $33,000 | 10,596 |
| Total noninterest expense | $314,000 | 12,314 |
| Salaries and employee benefits | $145,000 | 12,381 |
| Premises and equipment expense | $46,000 | 11,772 |
| Additional noninterest expense | $123,000 | 12,092 |
| Pre-tax net operating income | $100,000 | 11,630 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $17,000 | 11,218 |
| Income before extraordinary items | $83,000 | 11,534 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $83,000 | 11,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $83,000 | 11,583 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $659,000 | 12,868 |
| Total interest expense | $220,000 | 12,933 |
| Net interest income | $439,000 | 12,714 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $25,000 | 13,007 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $25,000 | 11,679 |
| Total noninterest expense | $316,000 | 12,935 |
| Salaries and employee benefits | $168,000 | 12,869 |
| Premises and equipment expense | $58,000 | 11,921 |
| Additional noninterest expense | $90,000 | 13,029 |
| Pre-tax net operating income | $103,000 | 11,846 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $24,000 | 11,523 |
| Income before extraordinary items | $79,000 | 12,022 |
| Extraordinary gains, net | $25,000 | 2,588 |
| Net income | $104,000 | 11,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 11,543 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $79,000 | 11,838 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $757,000 | 13,410 |
| Total interest expense | $323,000 | 13,420 |
| Net interest income | $434,000 | 13,288 |
| Provision for loan and lease losses | $19,000 | 10,662 |
| Total noninterest income | $30,000 | 13,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $326,000 | 13,487 |
| Salaries and employee benefits | $184,000 | 13,303 |
| Premises and equipment expense | $41,000 | 13,024 |
| Additional noninterest expense | $101,000 | 13,517 |
| Pre-tax net operating income | $119,000 | 11,819 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $23,000 | 12,027 |
| Income before extraordinary items | $96,000 | 11,992 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $96,000 | 12,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $96,000 | 11,694 |
* 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.