Home > Independent Bankers' Bank > Income and Expense
Independent Bankers' Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,277,000 | 1,602 |
| Total interest expense | $6,783,000 | 1,394 |
| Net interest income | $9,494,000 | 1,766 |
| Provision for loan and lease losses | $1,452,000 | 2,262 |
| Total noninterest income | $10,073,000 | 528 |
| Gross Fiduciary activities income | $478,000 | 484 |
| Service charges on deposit accounts | $3,391,000 | 373 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $6,204,000 | 510 |
| Total noninterest expense | $11,016,000 | 1,390 |
| Salaries and employee benefits | $3,579,000 | 2,069 |
| Premises and equipment expense | $986,000 | 2,045 |
| Additional noninterest expense | $6,451,000 | 873 |
| Pre-tax net operating income | $7,099,000 | 480 |
| Securities gains (losses) | $-24,152,000 | 8,069 |
| Applicable income taxes | $-845,000 | 7,499 |
| Income before extraordinary items | $-16,208,000 | 7,867 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-16,208,000 | 7,867 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-16,208,000 | 7,867 |
| Net charge-offs | $859,000 | 2,378 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $6,736,400 | 387 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,823,000 | 1,513 |
| Total interest expense | $4,515,000 | 1,473 |
| Net interest income | $7,308,000 | 1,538 |
| Provision for loan and lease losses | $727,000 | 2,446 |
| Total noninterest income | $5,795,000 | 597 |
| Gross Fiduciary activities income | $309,000 | 497 |
| Service charges on deposit accounts | $1,812,000 | 458 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $3,674,000 | 547 |
| Total noninterest expense | $7,286,000 | 1,424 |
| Salaries and employee benefits | $2,444,000 | 2,057 |
| Premises and equipment expense | $431,000 | 2,999 |
| Additional noninterest expense | $4,411,000 | 863 |
| Pre-tax net operating income | $5,090,000 | 427 |
| Securities gains (losses) | $-10,576,000 | 8,148 |
| Applicable income taxes | $3,910,000 | 209 |
| Income before extraordinary items | $-9,396,000 | 7,935 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-9,396,000 | 7,934 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-9,396,000 | 7,934 |
| Net charge-offs | $747,000 | 1,915 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,180,000 | 1,553 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,183,000 | 1,460 |
| Total interest expense | $2,221,000 | 1,538 |
| Net interest income | $3,962,000 | 1,397 |
| Provision for loan and lease losses | $427,000 | 1,943 |
| Total noninterest income | $2,578,000 | 613 |
| Gross Fiduciary activities income | $153,000 | 505 |
| Service charges on deposit accounts | $982,000 | 413 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,443,000 | 643 |
| Total noninterest expense | $4,356,000 | 1,148 |
| Salaries and employee benefits | $1,799,000 | 1,453 |
| Premises and equipment expense | $251,000 | 2,673 |
| Additional noninterest expense | $2,306,000 | 739 |
| Pre-tax net operating income | $1,757,000 | 717 |
| Securities gains (losses) | $-6,947,000 | 8,213 |
| Applicable income taxes | $3,506,000 | 136 |
| Income before extraordinary items | $-8,696,000 | 8,114 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-8,696,000 | 8,114 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-8,696,000 | 8,114 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,749,000 | 7,864 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $28,776,000 | 1,348 |
| Total interest expense | $14,222,000 | 1,141 |
| Net interest income | $14,554,000 | 1,538 |
| Provision for loan and lease losses | $1,518,000 | 2,143 |
| Total noninterest income | $10,507,000 | 565 |
| Gross Fiduciary activities income | $633,000 | 513 |
| Service charges on deposit accounts | $3,521,000 | 488 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $6,353,000 | 543 |
| Total noninterest expense | $14,878,000 | 1,311 |
| Salaries and employee benefits | $6,988,000 | 1,483 |
| Premises and equipment expense | $915,000 | 2,836 |
| Additional noninterest expense | $6,975,000 | 918 |
| Pre-tax net operating income | $8,665,000 | 637 |
| Securities gains (losses) | $-27,085,000 | 8,241 |
| Applicable income taxes | $-4,231,000 | 8,072 |
| Income before extraordinary items | $-14,189,000 | 8,057 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-14,189,000 | 8,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 3,949 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $6,666,450 | 636 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $21,434,000 | 1,386 |
| Total interest expense | $11,330,000 | 1,113 |
| Net interest income | $10,104,000 | 1,662 |
| Provision for loan and lease losses | $360,000 | 3,240 |
| Total noninterest income | $7,925,000 | 596 |
| Gross Fiduciary activities income | $473,000 | 524 |
| Service charges on deposit accounts | $2,771,000 | 470 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,681,000 | 582 |
| Total noninterest expense | $12,494,000 | 1,165 |
| Salaries and employee benefits | $5,790,000 | 1,332 |
| Premises and equipment expense | $711,000 | 2,768 |
| Additional noninterest expense | $5,993,000 | 777 |
| Pre-tax net operating income | $5,175,000 | 979 |
| Securities gains (losses) | $-1,262,000 | 7,971 |
| Applicable income taxes | $773,000 | 1,406 |
| Income before extraordinary items | $3,140,000 | 1,168 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,140,000 | 1,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-154,000 | 8,313 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $4,149,600 | 942 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,542,000 | 1,371 |
| Total interest expense | $7,691,000 | 1,137 |
| Net interest income | $6,851,000 | 1,643 |
| Provision for loan and lease losses | $330,000 | 2,398 |
| Total noninterest income | $5,385,000 | 607 |
| Gross Fiduciary activities income | $305,000 | 540 |
| Service charges on deposit accounts | $1,919,000 | 445 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $3,161,000 | 595 |
| Total noninterest expense | $8,401,000 | 1,160 |
| Salaries and employee benefits | $3,821,000 | 1,365 |
| Premises and equipment expense | $468,000 | 2,800 |
| Additional noninterest expense | $4,112,000 | 735 |
| Pre-tax net operating income | $3,505,000 | 1,017 |
| Securities gains (losses) | $-437,000 | 8,334 |
| Applicable income taxes | $646,000 | 1,310 |
| Income before extraordinary items | $2,422,000 | 1,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,422,000 | 1,131 |
| 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 | $2,767,230 | 974 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,597,000 | 1,354 |
| Total interest expense | $4,096,000 | 1,139 |
| Net interest income | $3,501,000 | 1,586 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $2,833,000 | 584 |
| Gross Fiduciary activities income | $150,000 | 560 |
| Service charges on deposit accounts | $1,082,000 | 398 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,601,000 | 597 |
| Total noninterest expense | $4,160,000 | 1,167 |
| Salaries and employee benefits | $1,907,000 | 1,374 |
| Premises and equipment expense | $236,000 | 2,788 |
| Additional noninterest expense | $2,017,000 | 721 |
| Pre-tax net operating income | $2,144,000 | 880 |
| Securities gains (losses) | $-293,000 | 8,443 |
| Applicable income taxes | $434,000 | 1,128 |
| Income before extraordinary items | $1,417,000 | 1,063 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,417,000 | 1,066 |
| 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 | $1,642,610 | 873 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $30,228,000 | 1,421 |
| Total interest expense | $18,451,000 | 1,059 |
| Net interest income | $11,777,000 | 1,925 |
| Provision for loan and lease losses | $120,000 | 4,617 |
| Total noninterest income | $8,962,000 | 671 |
| Gross Fiduciary activities income | $531,000 | 577 |
| Service charges on deposit accounts | $3,434,000 | 504 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,997,000 | 680 |
| Total noninterest expense | $16,459,000 | 1,136 |
| Salaries and employee benefits | $7,309,000 | 1,388 |
| Premises and equipment expense | $932,000 | 2,725 |
| Additional noninterest expense | $8,218,000 | 697 |
| Pre-tax net operating income | $4,160,000 | 1,916 |
| Securities gains (losses) | $-682,000 | 8,403 |
| Applicable income taxes | $388,000 | 3,064 |
| Income before extraordinary items | $3,090,000 | 1,994 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,090,000 | 1,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 1,958 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,696,980 | 1,700 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,545,000 | 1,439 |
| Total interest expense | $13,722,000 | 1,066 |
| Net interest income | $8,823,000 | 1,943 |
| Provision for loan and lease losses | $90,000 | 4,255 |
| Total noninterest income | $6,711,000 | 671 |
| Gross Fiduciary activities income | $393,000 | 576 |
| Service charges on deposit accounts | $2,702,000 | 470 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,616,000 | 717 |
| Total noninterest expense | $12,349,000 | 1,133 |
| Salaries and employee benefits | $5,627,000 | 1,337 |
| Premises and equipment expense | $692,000 | 2,734 |
| Additional noninterest expense | $6,030,000 | 700 |
| Pre-tax net operating income | $3,095,000 | 2,047 |
| Securities gains (losses) | $-23,000 | 7,998 |
| Applicable income taxes | $439,000 | 2,700 |
| Income before extraordinary items | $2,633,000 | 1,922 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,633,000 | 1,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,652,780 | 1,889 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,808,000 | 1,470 |
| Total interest expense | $8,871,000 | 1,111 |
| Net interest income | $5,937,000 | 1,944 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $4,494,000 | 688 |
| Gross Fiduciary activities income | $256,000 | 592 |
| Service charges on deposit accounts | $1,844,000 | 474 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,394,000 | 738 |
| Total noninterest expense | $8,373,000 | 1,134 |
| Salaries and employee benefits | $3,846,000 | 1,326 |
| Premises and equipment expense | $456,000 | 2,775 |
| Additional noninterest expense | $4,071,000 | 699 |
| Pre-tax net operating income | $1,998,000 | 2,161 |
| Securities gains (losses) | $-41,000 | 8,269 |
| Applicable income taxes | $254,000 | 2,945 |
| Income before extraordinary items | $1,703,000 | 2,011 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,703,000 | 2,010 |
| 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 | $1,738,670 | 1,960 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,399,000 | 1,459 |
| Total interest expense | $4,335,000 | 1,122 |
| Net interest income | $3,064,000 | 1,878 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $2,175,000 | 703 |
| Gross Fiduciary activities income | $127,000 | 605 |
| Service charges on deposit accounts | $897,000 | 468 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,151,000 | 733 |
| Total noninterest expense | $4,169,000 | 1,127 |
| Salaries and employee benefits | $1,937,000 | 1,325 |
| Premises and equipment expense | $214,000 | 2,952 |
| Additional noninterest expense | $2,018,000 | 691 |
| Pre-tax net operating income | $1,040,000 | 2,095 |
| Securities gains (losses) | $-2,000 | 8,059 |
| Applicable income taxes | $137,000 | 2,850 |
| Income before extraordinary items | $901,000 | 1,863 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $901,000 | 1,863 |
| 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 | $902,740 | 1,855 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,175,000 | 1,306 |
| Total interest expense | $17,345,000 | 968 |
| Net interest income | $12,830,000 | 1,799 |
| Provision for loan and lease losses | $331,000 | 2,605 |
| Total noninterest income | $8,084,000 | 729 |
| Gross Fiduciary activities income | $420,000 | 620 |
| Service charges on deposit accounts | $5,136,000 | 343 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,528,000 | 1,127 |
| Total noninterest expense | $16,235,000 | 1,112 |
| Salaries and employee benefits | $6,955,000 | 1,413 |
| Premises and equipment expense | $892,000 | 2,734 |
| Additional noninterest expense | $8,388,000 | 650 |
| Pre-tax net operating income | $4,348,000 | 2,108 |
| Securities gains (losses) | $-713,000 | 8,547 |
| Applicable income taxes | $516,000 | 3,110 |
| Income before extraordinary items | $3,119,000 | 2,205 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,119,000 | 2,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,732,180 | 1,886 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,133,000 | 1,332 |
| Total interest expense | $12,654,000 | 965 |
| Net interest income | $9,479,000 | 1,839 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $5,929,000 | 763 |
| Gross Fiduciary activities income | $288,000 | 641 |
| Service charges on deposit accounts | $3,861,000 | 349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,780,000 | 1,196 |
| Total noninterest expense | $12,263,000 | 1,105 |
| Salaries and employee benefits | $5,278,000 | 1,401 |
| Premises and equipment expense | $677,000 | 2,722 |
| Additional noninterest expense | $6,308,000 | 663 |
| Pre-tax net operating income | $3,055,000 | 2,297 |
| Securities gains (losses) | $12,000 | 854 |
| Applicable income taxes | $535,000 | 2,770 |
| Income before extraordinary items | $2,532,000 | 2,128 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,532,000 | 2,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,522,040 | 2,123 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,182,000 | 1,356 |
| Total interest expense | $7,936,000 | 973 |
| Net interest income | $6,246,000 | 1,859 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $3,923,000 | 766 |
| Gross Fiduciary activities income | $190,000 | 648 |
| Service charges on deposit accounts | $2,529,000 | 350 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,204,000 | 1,186 |
| Total noninterest expense | $8,068,000 | 1,131 |
| Salaries and employee benefits | $3,489,000 | 1,417 |
| Premises and equipment expense | $469,000 | 2,614 |
| Additional noninterest expense | $4,110,000 | 676 |
| Pre-tax net operating income | $2,041,000 | 2,265 |
| Securities gains (losses) | $-5,000 | 7,694 |
| Applicable income taxes | $343,000 | 2,857 |
| Income before extraordinary items | $1,693,000 | 2,121 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,693,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,697,150 | 2,101 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,723,000 | 1,405 |
| Total interest expense | $3,675,000 | 987 |
| Net interest income | $3,048,000 | 1,899 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $1,871,000 | 780 |
| Gross Fiduciary activities income | $80,000 | 700 |
| Service charges on deposit accounts | $1,202,000 | 346 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $589,000 | 1,184 |
| Total noninterest expense | $3,984,000 | 1,140 |
| Salaries and employee benefits | $1,761,000 | 1,415 |
| Premises and equipment expense | $246,000 | 2,501 |
| Additional noninterest expense | $1,977,000 | 700 |
| Pre-tax net operating income | $905,000 | 2,453 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $142,000 | 3,118 |
| Income before extraordinary items | $763,000 | 2,287 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $763,000 | 2,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $763,000 | 2,266 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,289,000 | 1,495 |
| Total interest expense | $11,003,000 | 1,016 |
| Net interest income | $11,286,000 | 1,975 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $6,994,000 | 824 |
| Gross Fiduciary activities income | $82,000 | 979 |
| Service charges on deposit accounts | $4,888,000 | 348 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,024,000 | 1,358 |
| Total noninterest expense | $13,260,000 | 1,302 |
| Salaries and employee benefits | $6,088,000 | 1,540 |
| Premises and equipment expense | $592,000 | 3,699 |
| Additional noninterest expense | $6,580,000 | 795 |
| Pre-tax net operating income | $4,900,000 | 1,902 |
| Securities gains (losses) | $37,000 | 1,029 |
| Applicable income taxes | $1,057,000 | 2,191 |
| Income before extraordinary items | $3,880,000 | 1,783 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,880,000 | 1,781 |
| 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 | $3,850,770 | 1,767 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,013,000 | 1,519 |
| Total interest expense | $7,704,000 | 1,017 |
| Net interest income | $8,309,000 | 1,991 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $5,245,000 | 827 |
| Gross Fiduciary activities income | $41,000 | 1,021 |
| Service charges on deposit accounts | $3,694,000 | 339 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,510,000 | 1,359 |
| Total noninterest expense | $10,030,000 | 1,274 |
| Salaries and employee benefits | $4,259,000 | 1,627 |
| Premises and equipment expense | $436,000 | 3,729 |
| Additional noninterest expense | $5,335,000 | 737 |
| Pre-tax net operating income | $3,434,000 | 2,016 |
| Securities gains (losses) | $37,000 | 987 |
| Applicable income taxes | $689,000 | 2,416 |
| Income before extraordinary items | $2,782,000 | 1,884 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,782,000 | 1,884 |
| 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 | $2,752,400 | 1,866 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,091,000 | 1,587 |
| Total interest expense | $4,646,000 | 1,075 |
| Net interest income | $5,445,000 | 1,995 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $3,476,000 | 826 |
| Gross Fiduciary activities income | $23,000 | 1,049 |
| Service charges on deposit accounts | $2,410,000 | 340 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,043,000 | 1,307 |
| Total noninterest expense | $6,620,000 | 1,278 |
| Salaries and employee benefits | $2,829,000 | 1,632 |
| Premises and equipment expense | $275,000 | 3,871 |
| Additional noninterest expense | $3,516,000 | 740 |
| Pre-tax net operating income | $2,241,000 | 1,996 |
| Securities gains (losses) | $37,000 | 896 |
| Applicable income taxes | $430,000 | 2,496 |
| Income before extraordinary items | $1,848,000 | 1,848 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,848,000 | 1,848 |
| 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 | $1,818,030 | 1,842 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,785,000 | 1,635 |
| Total interest expense | $2,099,000 | 1,119 |
| Net interest income | $2,686,000 | 2,006 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $1,795,000 | 780 |
| Gross Fiduciary activities income | $9,000 | 1,075 |
| Service charges on deposit accounts | $1,234,000 | 314 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $552,000 | 1,235 |
| Total noninterest expense | $3,354,000 | 1,268 |
| Salaries and employee benefits | $1,450,000 | 1,593 |
| Premises and equipment expense | $127,000 | 4,141 |
| Additional noninterest expense | $1,777,000 | 717 |
| Pre-tax net operating income | $1,097,000 | 2,010 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $194,000 | 2,651 |
| Income before extraordinary items | $907,000 | 1,865 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $907,000 | 1,866 |
| 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 | $903,720 | 1,836 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,236,000 | 1,765 |
| Total interest expense | $7,050,000 | 1,154 |
| Net interest income | $9,186,000 | 2,229 |
| Provision for loan and lease losses | $440,000 | 2,189 |
| Total noninterest income | $7,302,000 | 771 |
| Gross Fiduciary activities income | $52,000 | 1,052 |
| Service charges on deposit accounts | $5,035,000 | 343 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,215,000 | 1,234 |
| Total noninterest expense | $11,374,000 | 1,430 |
| Salaries and employee benefits | $4,606,000 | 1,899 |
| Premises and equipment expense | $487,000 | 4,169 |
| Additional noninterest expense | $6,281,000 | 803 |
| Pre-tax net operating income | $4,674,000 | 1,796 |
| Securities gains (losses) | $120,000 | 1,124 |
| Applicable income taxes | $835,000 | 2,463 |
| Income before extraordinary items | $3,959,000 | 1,635 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,959,000 | 1,636 |
| 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 | $3,859,400 | 1,618 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,671,000 | 1,822 |
| Total interest expense | $5,292,000 | 1,128 |
| Net interest income | $6,379,000 | 2,377 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $5,805,000 | 759 |
| Gross Fiduciary activities income | $46,000 | 1,029 |
| Service charges on deposit accounts | $3,808,000 | 345 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,951,000 | 1,107 |
| Total noninterest expense | $9,060,000 | 1,351 |
| Salaries and employee benefits | $3,761,000 | 1,744 |
| Premises and equipment expense | $400,000 | 3,873 |
| Additional noninterest expense | $4,899,000 | 770 |
| Pre-tax net operating income | $3,034,000 | 2,054 |
| Securities gains (losses) | $-42,000 | 8,781 |
| Applicable income taxes | $434,000 | 3,166 |
| Income before extraordinary items | $2,558,000 | 1,867 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,558,000 | 1,868 |
| 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 | $2,593,700 | 1,798 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,570,000 | 1,850 |
| Total interest expense | $3,455,000 | 1,143 |
| Net interest income | $4,115,000 | 2,432 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $3,956,000 | 735 |
| Gross Fiduciary activities income | $38,000 | 1,004 |
| Service charges on deposit accounts | $2,505,000 | 342 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,413,000 | 1,034 |
| Total noninterest expense | $6,023,000 | 1,355 |
| Salaries and employee benefits | $2,533,000 | 1,736 |
| Premises and equipment expense | $257,000 | 3,989 |
| Additional noninterest expense | $3,233,000 | 773 |
| Pre-tax net operating income | $1,988,000 | 2,051 |
| Securities gains (losses) | $152,000 | 779 |
| Applicable income taxes | $435,000 | 2,425 |
| Income before extraordinary items | $1,705,000 | 1,848 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,705,000 | 1,849 |
| 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 | $1,583,400 | 1,925 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,694,000 | 1,909 |
| Total interest expense | $1,669,000 | 1,200 |
| Net interest income | $2,025,000 | 2,466 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $2,031,000 | 710 |
| Gross Fiduciary activities income | $24,000 | 970 |
| Service charges on deposit accounts | $1,236,000 | 344 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $771,000 | 951 |
| Total noninterest expense | $2,979,000 | 1,379 |
| Salaries and employee benefits | $1,256,000 | 1,762 |
| Premises and equipment expense | $129,000 | 4,010 |
| Additional noninterest expense | $1,594,000 | 776 |
| Pre-tax net operating income | $1,047,000 | 1,929 |
| Securities gains (losses) | $15,000 | 1,841 |
| Applicable income taxes | $216,000 | 2,444 |
| Income before extraordinary items | $846,000 | 1,848 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $846,000 | 1,848 |
| 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 | $834,000 | 1,792 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,731,000 | 2,074 |
| Total interest expense | $6,222,000 | 1,427 |
| Net interest income | $7,509,000 | 2,567 |
| Provision for loan and lease losses | $660,000 | 1,702 |
| Total noninterest income | $7,038,000 | 864 |
| Gross Fiduciary activities income | $31,000 | 1,169 |
| Service charges on deposit accounts | $4,700,000 | 363 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,307,000 | 1,316 |
| Total noninterest expense | $10,163,000 | 1,573 |
| Salaries and employee benefits | $4,036,000 | 2,110 |
| Premises and equipment expense | $403,000 | 4,709 |
| Additional noninterest expense | $5,724,000 | 892 |
| Pre-tax net operating income | $3,724,000 | 2,092 |
| Securities gains (losses) | $-487,000 | 9,130 |
| Applicable income taxes | $399,000 | 3,781 |
| Income before extraordinary items | $2,838,000 | 2,142 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,838,000 | 2,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,266,560 | 1,810 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,156,000 | 2,134 |
| Total interest expense | $4,606,000 | 1,507 |
| Net interest income | $5,550,000 | 2,623 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $5,566,000 | 856 |
| Gross Fiduciary activities income | $24,000 | 1,151 |
| Service charges on deposit accounts | $3,480,000 | 379 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,062,000 | 1,201 |
| Total noninterest expense | $7,990,000 | 1,507 |
| Salaries and employee benefits | $3,217,000 | 2,002 |
| Premises and equipment expense | $368,000 | 4,109 |
| Additional noninterest expense | $4,405,000 | 879 |
| Pre-tax net operating income | $3,036,000 | 2,030 |
| Securities gains (losses) | $17,000 | 3,051 |
| Applicable income taxes | $554,000 | 2,833 |
| Income before extraordinary items | $2,499,000 | 1,927 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,499,000 | 1,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,485,060 | 1,831 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,695,000 | 2,174 |
| Total interest expense | $3,082,000 | 1,558 |
| Net interest income | $3,613,000 | 2,697 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $3,729,000 | 837 |
| Gross Fiduciary activities income | $17,000 | 1,146 |
| Service charges on deposit accounts | $2,276,000 | 378 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,436,000 | 1,171 |
| Total noninterest expense | $5,348,000 | 1,501 |
| Salaries and employee benefits | $2,139,000 | 1,994 |
| Premises and equipment expense | $242,000 | 4,150 |
| Additional noninterest expense | $2,967,000 | 874 |
| Pre-tax net operating income | $1,934,000 | 2,101 |
| Securities gains (losses) | $17,000 | 2,697 |
| Applicable income taxes | $349,000 | 2,953 |
| Income before extraordinary items | $1,602,000 | 1,988 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,602,000 | 1,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,588,060 | 1,892 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,146,000 | 2,347 |
| Total interest expense | $1,517,000 | 1,630 |
| Net interest income | $1,629,000 | 2,935 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $1,941,000 | 795 |
| Gross Fiduciary activities income | $9,000 | 1,140 |
| Service charges on deposit accounts | $1,151,000 | 367 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $781,000 | 1,070 |
| Total noninterest expense | $2,597,000 | 1,538 |
| Salaries and employee benefits | $1,063,000 | 1,998 |
| Premises and equipment expense | $117,000 | 4,253 |
| Additional noninterest expense | $1,417,000 | 877 |
| Pre-tax net operating income | $943,000 | 2,150 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $156,000 | 3,152 |
| Income before extraordinary items | $787,000 | 2,002 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $787,000 | 2,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $787,000 | 1,887 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,547,000 | 2,466 |
| Total interest expense | $5,933,000 | 1,916 |
| Net interest income | $6,614,000 | 2,880 |
| Provision for loan and lease losses | $400,000 | 2,829 |
| Total noninterest income | $6,276,000 | 867 |
| Gross Fiduciary activities income | $32,000 | 1,201 |
| Service charges on deposit accounts | $4,098,000 | 399 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,146,000 | 1,245 |
| Total noninterest expense | $9,191,000 | 1,664 |
| Salaries and employee benefits | $3,687,000 | 2,168 |
| Premises and equipment expense | $378,000 | 4,840 |
| Additional noninterest expense | $5,126,000 | 973 |
| Pre-tax net operating income | $3,299,000 | 2,317 |
| Securities gains (losses) | $-89,000 | 9,119 |
| Applicable income taxes | $394,000 | 3,912 |
| Income before extraordinary items | $2,816,000 | 2,122 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,816,000 | 2,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,894,320 | 1,999 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,929,000 | 2,293 |
| Total interest expense | $8,815,000 | 1,832 |
| Net interest income | $6,114,000 | 2,901 |
| Provision for loan and lease losses | $290,000 | 3,289 |
| Total noninterest income | $4,342,000 | 1,116 |
| Gross Fiduciary activities income | $34,000 | 1,206 |
| Service charges on deposit accounts | $2,711,000 | 562 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,597,000 | 1,451 |
| Total noninterest expense | $7,657,000 | 1,892 |
| Salaries and employee benefits | $2,858,000 | 2,624 |
| Premises and equipment expense | $341,000 | 5,123 |
| Additional noninterest expense | $4,458,000 | 1,068 |
| Pre-tax net operating income | $2,509,000 | 2,659 |
| Securities gains (losses) | $25,000 | 2,980 |
| Applicable income taxes | $526,000 | 3,243 |
| Income before extraordinary items | $2,008,000 | 2,524 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,008,000 | 2,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,988,250 | 2,465 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,682,000 | 2,380 |
| Total interest expense | $9,631,000 | 1,781 |
| Net interest income | $5,051,000 | 3,432 |
| Provision for loan and lease losses | $459,000 | 2,024 |
| Total noninterest income | $3,272,000 | 1,248 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,796,000 | 757 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,476,000 | 1,396 |
| Total noninterest expense | $6,160,000 | 2,226 |
| Salaries and employee benefits | $2,406,000 | 2,936 |
| Premises and equipment expense | $316,000 | 5,266 |
| Additional noninterest expense | $3,438,000 | 1,325 |
| Pre-tax net operating income | $1,704,000 | 3,706 |
| Securities gains (losses) | $-75,000 | 9,336 |
| Applicable income taxes | $326,000 | 4,411 |
| Income before extraordinary items | $1,303,000 | 3,628 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,303,000 | 3,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,779 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,363,000 | 3,496 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,437,000 | 3,095 |
| Total interest expense | $6,384,000 | 2,305 |
| Net interest income | $4,053,000 | 4,122 |
| Provision for loan and lease losses | $476,000 | 1,842 |
| Total noninterest income | $2,453,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,189,000 | 1,122 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,264,000 | 1,575 |
| Total noninterest expense | $4,935,000 | 2,738 |
| Salaries and employee benefits | $1,953,000 | 3,521 |
| Premises and equipment expense | $255,000 | 5,965 |
| Additional noninterest expense | $2,727,000 | 1,638 |
| Pre-tax net operating income | $1,095,000 | 5,041 |
| Securities gains (losses) | $-68,000 | 9,872 |
| Applicable income taxes | $213,000 | 5,568 |
| Income before extraordinary items | $814,000 | 5,043 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $814,000 | 5,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,537 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $867,720 | 4,806 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,228,000 | 3,166 |
| Total interest expense | $6,967,000 | 2,176 |
| Net interest income | $3,261,000 | 4,843 |
| Provision for loan and lease losses | $174,000 | 3,870 |
| Total noninterest income | $2,448,000 | 1,564 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $874,000 | 1,434 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,574,000 | 1,360 |
| Total noninterest expense | $4,144,000 | 3,127 |
| Salaries and employee benefits | $1,735,000 | 3,769 |
| Premises and equipment expense | $222,000 | 6,393 |
| Additional noninterest expense | $2,187,000 | 1,933 |
| Pre-tax net operating income | $1,391,000 | 4,425 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $385,000 | 4,526 |
| Income before extraordinary items | $1,005,000 | 4,502 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,005,000 | 4,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,005,720 | 4,397 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,366,000 | 3,812 |
| Total interest expense | $4,947,000 | 3,010 |
| Net interest income | $3,419,000 | 4,811 |
| Provision for loan and lease losses | $84,000 | 5,567 |
| Total noninterest income | $1,838,000 | 1,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $924,000 | 1,396 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $914,000 | 1,840 |
| Total noninterest expense | $3,922,000 | 3,238 |
| Salaries and employee benefits | $1,608,000 | 4,002 |
| Premises and equipment expense | $201,000 | 6,835 |
| Additional noninterest expense | $2,113,000 | 2,000 |
| Pre-tax net operating income | $1,251,000 | 5,097 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $336,000 | 5,423 |
| Income before extraordinary items | $915,000 | 4,997 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $915,000 | 4,999 |
| 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 | $915,000 | 4,938 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,154,000 | 4,487 |
| Total interest expense | $3,832,000 | 3,869 |
| Net interest income | $3,322,000 | 5,051 |
| Provision for loan and lease losses | $164,000 | 3,884 |
| Total noninterest income | $1,968,000 | 1,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $949,000 | 1,420 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,019,000 | 1,793 |
| Total noninterest expense | $3,981,000 | 3,360 |
| Salaries and employee benefits | $1,470,000 | 4,395 |
| Premises and equipment expense | $230,000 | 6,529 |
| Additional noninterest expense | $2,281,000 | 2,191 |
| Pre-tax net operating income | $1,145,000 | 5,277 |
| Securities gains (losses) | $-9,000 | 10,223 |
| Applicable income taxes | $336,000 | 5,456 |
| Income before extraordinary items | $800,000 | 5,314 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $800,000 | 5,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $806,300 | 5,213 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,290,000 | 4,991 |
| Total interest expense | $3,361,000 | 4,314 |
| Net interest income | $2,929,000 | 5,607 |
| Provision for loan and lease losses | $99,000 | 4,670 |
| Total noninterest income | $1,681,000 | 2,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $816,000 | 1,656 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $865,000 | 1,993 |
| Total noninterest expense | $3,647,000 | 3,599 |
| Salaries and employee benefits | $1,357,000 | 4,690 |
| Premises and equipment expense | $211,000 | 6,988 |
| Additional noninterest expense | $2,079,000 | 2,324 |
| Pre-tax net operating income | $864,000 | 6,576 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $257,000 | 6,541 |
| Income before extraordinary items | $616,000 | 6,521 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $616,000 | 6,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $1,046,000 | 1,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $609,610 | 6,546 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,047,000 | 5,636 |
| Total interest expense | $1,930,000 | 5,769 |
| Net interest income | $3,117,000 | 5,444 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $1,528,000 | 2,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $700,000 | 1,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $828,000 | 2,090 |
| Total noninterest expense | $3,532,000 | 3,816 |
| Salaries and employee benefits | $1,202,000 | 5,233 |
| Premises and equipment expense | $253,000 | 6,473 |
| Additional noninterest expense | $2,077,000 | 2,492 |
| Pre-tax net operating income | $1,053,000 | 5,740 |
| Securities gains (losses) | $-254,000 | 12,044 |
| Applicable income taxes | $224,000 | 6,953 |
| Income before extraordinary items | $575,000 | 6,728 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $575,000 | 6,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $757,880 | 5,649 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,361,000 | 7,737 |
| Total interest expense | $681,000 | 10,703 |
| Net interest income | $2,680,000 | 6,200 |
| Provision for loan and lease losses | $53,000 | 7,335 |
| Total noninterest income | $1,008,000 | 3,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $602,000 | 2,295 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $406,000 | 3,715 |
| Total noninterest expense | $2,950,000 | 4,588 |
| Salaries and employee benefits | $1,061,000 | 5,823 |
| Premises and equipment expense | $220,000 | 7,289 |
| Additional noninterest expense | $1,669,000 | 3,194 |
| Pre-tax net operating income | $685,000 | 7,442 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $188,000 | 7,851 |
| Income before extraordinary items | $500,000 | 7,562 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $500,000 | 7,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $497,810 | 7,324 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,668,000 | 9,592 |
| Total interest expense | $644,000 | 12,089 |
| Net interest income | $2,024,000 | 7,681 |
| Provision for loan and lease losses | $42,000 | 9,403 |
| Total noninterest income | $736,000 | 4,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $458,000 | 3,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $278,000 | 4,646 |
| Total noninterest expense | $2,254,000 | 5,793 |
| Salaries and employee benefits | $785,000 | 7,356 |
| Premises and equipment expense | $218,000 | 7,441 |
| Additional noninterest expense | $1,251,000 | 4,189 |
| Pre-tax net operating income | $464,000 | 8,689 |
| Securities gains (losses) | $63,000 | 3,745 |
| Applicable income taxes | $124,000 | 9,259 |
| Income before extraordinary items | $403,000 | 8,184 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $403,000 | 8,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $355,120 | 8,297 |
* 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.