Home > Independent National Bank > Income and Expense
Independent National Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,482,000 | 4,033 |
| Total interest expense | $1,336,000 | 3,058 |
| Net interest income | $2,146,000 | 4,424 |
| Provision for loan and lease losses | $2,687,000 | 1,032 |
| Total noninterest income | $180,000 | 5,196 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $254,000 | 2,690 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-74,000 | 7,496 |
| Total noninterest expense | $3,291,000 | 2,877 |
| Salaries and employee benefits | $1,487,000 | 3,169 |
| Premises and equipment expense | $396,000 | 3,079 |
| Additional noninterest expense | $1,408,000 | 2,377 |
| Pre-tax net operating income | $-3,652,000 | 7,458 |
| Securities gains (losses) | $29,000 | 2,194 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,623,000 | 7,496 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,623,000 | 7,495 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,623,000 | 7,496 |
| Net charge-offs | $1,940,000 | 1,149 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,652,000 | 7,492 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,704,000 | 4,148 |
| Total interest expense | $683,000 | 3,120 |
| Net interest income | $1,021,000 | 4,615 |
| Provision for loan and lease losses | $2,190,000 | 704 |
| Total noninterest income | $180,000 | 3,893 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $130,000 | 2,631 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $50,000 | 4,691 |
| Total noninterest expense | $1,742,000 | 2,776 |
| Salaries and employee benefits | $799,000 | 3,025 |
| Premises and equipment expense | $204,000 | 3,069 |
| Additional noninterest expense | $739,000 | 2,286 |
| Pre-tax net operating income | $-2,731,000 | 7,672 |
| Securities gains (losses) | $29,000 | 1,375 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,702,000 | 7,699 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,702,000 | 7,700 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,702,000 | 7,700 |
| Net charge-offs | $1,525,000 | 780 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,731,000 | 7,693 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,415,000 | 3,380 |
| Total interest expense | $4,113,000 | 2,674 |
| Net interest income | $5,302,000 | 3,797 |
| Provision for loan and lease losses | $9,278,000 | 930 |
| Total noninterest income | $26,000 | 7,554 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $611,000 | 2,508 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-585,000 | 7,821 |
| Total noninterest expense | $7,235,000 | 2,714 |
| Salaries and employee benefits | $3,478,000 | 2,799 |
| Premises and equipment expense | $849,000 | 2,967 |
| Additional noninterest expense | $2,908,000 | 2,413 |
| Pre-tax net operating income | $-11,185,000 | 7,528 |
| Securities gains (losses) | $82,000 | 2,295 |
| Applicable income taxes | $-1,199,000 | 7,347 |
| Income before extraordinary items | $-9,904,000 | 7,553 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,904,000 | 7,552 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,904,000 | 7,552 |
| Net charge-offs | $6,393,000 | 956 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-9,976,980 | 7,561 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,462,000 | 3,297 |
| Total interest expense | $3,313,000 | 2,631 |
| Net interest income | $4,149,000 | 3,697 |
| Provision for loan and lease losses | $2,966,000 | 1,491 |
| Total noninterest income | $127,000 | 6,557 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $463,000 | 2,507 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-336,000 | 7,923 |
| Total noninterest expense | $5,264,000 | 2,793 |
| Salaries and employee benefits | $2,639,000 | 2,790 |
| Premises and equipment expense | $645,000 | 2,963 |
| Additional noninterest expense | $1,980,000 | 2,595 |
| Pre-tax net operating income | $-3,954,000 | 7,407 |
| Securities gains (losses) | $54,000 | 2,250 |
| Applicable income taxes | $-1,432,000 | 7,648 |
| Income before extraordinary items | $-2,468,000 | 7,290 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,468,000 | 7,289 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,468,000 | 7,290 |
| Net charge-offs | $2,782,000 | 1,234 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,502,560 | 7,284 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,111,000 | 3,255 |
| Total interest expense | $2,342,000 | 2,593 |
| Net interest income | $2,769,000 | 3,680 |
| Provision for loan and lease losses | $1,880,000 | 1,451 |
| Total noninterest income | $-33,000 | 8,003 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $320,000 | 2,410 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-353,000 | 8,058 |
| Total noninterest expense | $3,482,000 | 2,840 |
| Salaries and employee benefits | $1,747,000 | 2,847 |
| Premises and equipment expense | $413,000 | 3,095 |
| Additional noninterest expense | $1,322,000 | 2,607 |
| Pre-tax net operating income | $-2,626,000 | 7,512 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,154,000 | 7,785 |
| Income before extraordinary items | $-1,472,000 | 7,311 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,472,000 | 7,309 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,472,000 | 7,309 |
| Net charge-offs | $1,635,000 | 1,274 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,472,000 | 7,320 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,597,000 | 3,233 |
| Total interest expense | $1,227,000 | 2,578 |
| Net interest income | $1,370,000 | 3,696 |
| Provision for loan and lease losses | $1,365,000 | 985 |
| Total noninterest income | $-90,000 | 8,148 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $168,000 | 2,251 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-258,000 | 8,169 |
| Total noninterest expense | $1,654,000 | 2,887 |
| Salaries and employee benefits | $892,000 | 2,834 |
| Premises and equipment expense | $201,000 | 3,215 |
| Additional noninterest expense | $561,000 | 2,719 |
| Pre-tax net operating income | $-1,739,000 | 7,783 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-750,000 | 7,949 |
| Income before extraordinary items | $-989,000 | 7,701 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-989,000 | 7,703 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-989,000 | 7,702 |
| Net charge-offs | $1,025,000 | 943 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-989,000 | 7,701 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,054,000 | 3,025 |
| Total interest expense | $5,748,000 | 2,614 |
| Net interest income | $6,306,000 | 3,343 |
| Provision for loan and lease losses | $1,306,000 | 2,322 |
| Total noninterest income | $821,000 | 3,824 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $693,000 | 2,360 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $128,000 | 5,572 |
| Total noninterest expense | $7,173,000 | 2,626 |
| Salaries and employee benefits | $3,978,000 | 2,527 |
| Premises and equipment expense | $567,000 | 4,117 |
| Additional noninterest expense | $2,628,000 | 2,250 |
| Pre-tax net operating income | $-1,352,000 | 7,160 |
| Securities gains (losses) | $9,000 | 2,546 |
| Applicable income taxes | $-693,000 | 7,601 |
| Income before extraordinary items | $-650,000 | 6,805 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-650,000 | 6,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,278,000 | 1,712 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-655,760 | 6,935 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,181,000 | 3,050 |
| Total interest expense | $4,384,000 | 2,675 |
| Net interest income | $4,797,000 | 3,332 |
| Provision for loan and lease losses | $925,000 | 1,919 |
| Total noninterest income | $756,000 | 3,470 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $516,000 | 2,393 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $240,000 | 4,096 |
| Total noninterest expense | $5,391,000 | 2,614 |
| Salaries and employee benefits | $2,967,000 | 2,568 |
| Premises and equipment expense | $354,000 | 4,627 |
| Additional noninterest expense | $2,070,000 | 2,094 |
| Pre-tax net operating income | $-763,000 | 7,414 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-349,000 | 7,789 |
| Income before extraordinary items | $-414,000 | 7,120 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-414,000 | 7,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $886,000 | 1,406 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-414,000 | 7,258 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,192,000 | 3,063 |
| Total interest expense | $3,048,000 | 2,675 |
| Net interest income | $3,144,000 | 3,370 |
| Provision for loan and lease losses | $560,000 | 1,785 |
| Total noninterest income | $518,000 | 3,436 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $252,000 | 2,987 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $266,000 | 3,235 |
| Total noninterest expense | $3,461,000 | 2,704 |
| Salaries and employee benefits | $1,898,000 | 2,685 |
| Premises and equipment expense | $213,000 | 4,963 |
| Additional noninterest expense | $1,350,000 | 2,102 |
| Pre-tax net operating income | $-359,000 | 7,492 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-225,000 | 8,001 |
| Income before extraordinary items | $-134,000 | 7,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-134,000 | 7,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,298 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-134,000 | 7,281 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,151,000 | 3,085 |
| Total interest expense | $1,605,000 | 2,709 |
| Net interest income | $1,546,000 | 3,412 |
| Provision for loan and lease losses | $322,000 | 1,313 |
| Total noninterest income | $270,000 | 3,348 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $123,000 | 3,001 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $147,000 | 3,074 |
| Total noninterest expense | $1,773,000 | 2,656 |
| Salaries and employee benefits | $988,000 | 2,613 |
| Premises and equipment expense | $113,000 | 4,801 |
| Additional noninterest expense | $672,000 | 2,080 |
| Pre-tax net operating income | $-279,000 | 7,880 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-151,000 | 8,214 |
| Income before extraordinary items | $-128,000 | 7,717 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-128,000 | 7,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $454,000 | 759 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-128,000 | 7,678 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,753,000 | 2,900 |
| Total interest expense | $6,952,000 | 2,649 |
| Net interest income | $6,801,000 | 3,167 |
| Provision for loan and lease losses | $187,000 | 3,973 |
| Total noninterest income | $1,124,000 | 3,287 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $684,000 | 2,411 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $440,000 | 3,551 |
| Total noninterest expense | $6,588,000 | 2,724 |
| Salaries and employee benefits | $3,783,000 | 2,622 |
| Premises and equipment expense | $683,000 | 3,501 |
| Additional noninterest expense | $2,122,000 | 2,523 |
| Pre-tax net operating income | $1,150,000 | 4,446 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $205,000 | 3,819 |
| Income before extraordinary items | $947,000 | 4,436 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $947,000 | 4,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,964 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $945,360 | 4,433 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,342,000 | 2,901 |
| Total interest expense | $5,222,000 | 2,636 |
| Net interest income | $5,120,000 | 3,170 |
| Provision for loan and lease losses | $215,000 | 2,888 |
| Total noninterest income | $749,000 | 3,539 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $510,000 | 2,407 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $239,000 | 4,169 |
| Total noninterest expense | $4,888,000 | 2,719 |
| Salaries and employee benefits | $2,805,000 | 2,637 |
| Premises and equipment expense | $493,000 | 3,581 |
| Additional noninterest expense | $1,590,000 | 2,485 |
| Pre-tax net operating income | $766,000 | 4,930 |
| Securities gains (losses) | $2,000 | 1,394 |
| Applicable income taxes | $123,000 | 4,247 |
| Income before extraordinary items | $645,000 | 4,870 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $645,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,095 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $643,320 | 4,866 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,761,000 | 2,969 |
| Total interest expense | $3,413,000 | 2,683 |
| Net interest income | $3,348,000 | 3,238 |
| Provision for loan and lease losses | $181,000 | 2,293 |
| Total noninterest income | $489,000 | 3,605 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $336,000 | 2,428 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $153,000 | 4,275 |
| Total noninterest expense | $3,207,000 | 2,789 |
| Salaries and employee benefits | $1,864,000 | 2,674 |
| Premises and equipment expense | $318,000 | 3,693 |
| Additional noninterest expense | $1,025,000 | 2,575 |
| Pre-tax net operating income | $449,000 | 5,269 |
| Securities gains (losses) | $2,000 | 1,203 |
| Applicable income taxes | $59,000 | 4,625 |
| Income before extraordinary items | $392,000 | 5,119 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $392,000 | 5,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 1,418 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $390,260 | 5,124 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,367,000 | 2,979 |
| Total interest expense | $1,673,000 | 2,713 |
| Net interest income | $1,694,000 | 3,205 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $232,000 | 3,705 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $158,000 | 2,498 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $74,000 | 4,353 |
| Total noninterest expense | $1,580,000 | 2,846 |
| Salaries and employee benefits | $935,000 | 2,702 |
| Premises and equipment expense | $149,000 | 3,878 |
| Additional noninterest expense | $496,000 | 2,640 |
| Pre-tax net operating income | $346,000 | 4,343 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $62,000 | 3,863 |
| Income before extraordinary items | $284,000 | 4,305 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $284,000 | 4,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $284,000 | 4,283 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,994,000 | 2,890 |
| Total interest expense | $5,519,000 | 2,792 |
| Net interest income | $7,475,000 | 2,931 |
| Provision for loan and lease losses | $58,000 | 5,459 |
| Total noninterest income | $980,000 | 3,594 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $658,000 | 2,495 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $322,000 | 4,166 |
| Total noninterest expense | $5,899,000 | 2,910 |
| Salaries and employee benefits | $3,427,000 | 2,782 |
| Premises and equipment expense | $627,000 | 3,636 |
| Additional noninterest expense | $1,845,000 | 2,750 |
| Pre-tax net operating income | $2,498,000 | 3,129 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $815,000 | 2,445 |
| Income before extraordinary items | $1,683,000 | 3,504 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,683,000 | 3,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,465 |
| Cash dividends | $1,808,000 | 1,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,683,000 | 3,485 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,615,000 | 2,907 |
| Total interest expense | $3,890,000 | 2,848 |
| Net interest income | $5,725,000 | 2,899 |
| Provision for loan and lease losses | $41,000 | 5,365 |
| Total noninterest income | $728,000 | 3,627 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $499,000 | 2,485 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $229,000 | 4,254 |
| Total noninterest expense | $4,372,000 | 2,938 |
| Salaries and employee benefits | $2,518,000 | 2,829 |
| Premises and equipment expense | $461,000 | 3,701 |
| Additional noninterest expense | $1,393,000 | 2,727 |
| Pre-tax net operating income | $2,040,000 | 3,061 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $682,000 | 2,410 |
| Income before extraordinary items | $1,358,000 | 3,419 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,358,000 | 3,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,812 |
| Cash dividends | $1,659,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,358,000 | 3,413 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,272,000 | 2,917 |
| Total interest expense | $2,335,000 | 2,999 |
| Net interest income | $3,937,000 | 2,821 |
| Provision for loan and lease losses | $28,000 | 5,259 |
| Total noninterest income | $490,000 | 3,578 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $328,000 | 2,482 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $162,000 | 4,152 |
| Total noninterest expense | $2,768,000 | 3,078 |
| Salaries and employee benefits | $1,599,000 | 2,960 |
| Premises and equipment expense | $307,000 | 3,703 |
| Additional noninterest expense | $862,000 | 2,932 |
| Pre-tax net operating income | $1,631,000 | 2,709 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $561,000 | 2,142 |
| Income before extraordinary items | $1,070,000 | 3,057 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,070,000 | 3,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $152,000 | 3,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,070,000 | 3,046 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,041,000 | 2,935 |
| Total interest expense | $1,090,000 | 3,043 |
| Net interest income | $1,951,000 | 2,833 |
| Provision for loan and lease losses | $23,000 | 4,400 |
| Total noninterest income | $238,000 | 3,590 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $166,000 | 2,388 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $72,000 | 4,366 |
| Total noninterest expense | $1,286,000 | 3,298 |
| Salaries and employee benefits | $719,000 | 3,259 |
| Premises and equipment expense | $153,000 | 3,731 |
| Additional noninterest expense | $414,000 | 3,022 |
| Pre-tax net operating income | $880,000 | 2,508 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $306,000 | 2,001 |
| Income before extraordinary items | $574,000 | 2,831 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $574,000 | 2,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $125,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $574,000 | 2,818 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,115,000 | 2,882 |
| Total interest expense | $3,411,000 | 3,002 |
| Net interest income | $7,704,000 | 2,797 |
| Provision for loan and lease losses | $297,000 | 2,890 |
| Total noninterest income | $1,039,000 | 3,461 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $685,000 | 2,389 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $354,000 | 3,993 |
| Total noninterest expense | $5,041,000 | 3,219 |
| Salaries and employee benefits | $2,898,000 | 3,066 |
| Premises and equipment expense | $555,000 | 3,883 |
| Additional noninterest expense | $1,588,000 | 3,088 |
| Pre-tax net operating income | $3,405,000 | 2,496 |
| Securities gains (losses) | $8,000 | 1,546 |
| Applicable income taxes | $1,188,000 | 2,021 |
| Income before extraordinary items | $2,225,000 | 2,819 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,225,000 | 2,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,178 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,219,800 | 2,791 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,082,000 | 2,905 |
| Total interest expense | $2,401,000 | 3,024 |
| Net interest income | $5,681,000 | 2,812 |
| Provision for loan and lease losses | $282,000 | 2,296 |
| Total noninterest income | $802,000 | 3,393 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $516,000 | 2,378 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $286,000 | 3,881 |
| Total noninterest expense | $3,784,000 | 3,185 |
| Salaries and employee benefits | $2,221,000 | 2,967 |
| Premises and equipment expense | $432,000 | 3,753 |
| Additional noninterest expense | $1,131,000 | 3,175 |
| Pre-tax net operating income | $2,417,000 | 2,637 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $840,000 | 2,127 |
| Income before extraordinary items | $1,587,000 | 3,003 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,587,000 | 3,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,073 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,580,500 | 2,972 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,172,000 | 2,945 |
| Total interest expense | $1,488,000 | 3,062 |
| Net interest income | $3,684,000 | 2,863 |
| Provision for loan and lease losses | $220,000 | 1,996 |
| Total noninterest income | $549,000 | 3,303 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $340,000 | 2,369 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $209,000 | 3,689 |
| Total noninterest expense | $2,528,000 | 3,154 |
| Salaries and employee benefits | $1,485,000 | 2,953 |
| Premises and equipment expense | $281,000 | 3,805 |
| Additional noninterest expense | $762,000 | 3,147 |
| Pre-tax net operating income | $1,485,000 | 2,775 |
| Securities gains (losses) | $8,000 | 1,424 |
| Applicable income taxes | $509,000 | 2,252 |
| Income before extraordinary items | $984,000 | 3,131 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $984,000 | 3,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,825 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $978,720 | 3,097 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,471,000 | 3,019 |
| Total interest expense | $698,000 | 3,122 |
| Net interest income | $1,773,000 | 2,953 |
| Provision for loan and lease losses | $114,000 | 1,861 |
| Total noninterest income | $266,000 | 3,332 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $171,000 | 2,297 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $95,000 | 3,827 |
| Total noninterest expense | $1,257,000 | 3,184 |
| Salaries and employee benefits | $728,000 | 3,013 |
| Premises and equipment expense | $144,000 | 3,757 |
| Additional noninterest expense | $385,000 | 3,123 |
| Pre-tax net operating income | $668,000 | 2,968 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $224,000 | 2,421 |
| Income before extraordinary items | $444,000 | 3,346 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $444,000 | 3,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $444,000 | 3,311 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,296,000 | 3,019 |
| Total interest expense | $2,363,000 | 3,189 |
| Net interest income | $6,933,000 | 2,910 |
| Provision for loan and lease losses | $358,000 | 2,589 |
| Total noninterest income | $949,000 | 3,678 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $713,000 | 2,336 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $236,000 | 4,752 |
| Total noninterest expense | $4,816,000 | 3,226 |
| Salaries and employee benefits | $2,826,000 | 2,996 |
| Premises and equipment expense | $581,000 | 3,628 |
| Additional noninterest expense | $1,409,000 | 3,281 |
| Pre-tax net operating income | $2,708,000 | 2,807 |
| Securities gains (losses) | $89,000 | 1,324 |
| Applicable income taxes | $868,000 | 2,391 |
| Income before extraordinary items | $1,929,000 | 3,007 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,929,000 | 3,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,939 |
| Cash dividends | $271,000 | 4,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,867,590 | 3,030 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,892,000 | 3,016 |
| Total interest expense | $1,748,000 | 3,173 |
| Net interest income | $5,144,000 | 2,927 |
| Provision for loan and lease losses | $273,000 | 2,422 |
| Total noninterest income | $704,000 | 3,719 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $530,000 | 2,376 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $174,000 | 4,794 |
| Total noninterest expense | $3,630,000 | 3,190 |
| Salaries and employee benefits | $2,132,000 | 2,964 |
| Premises and equipment expense | $437,000 | 3,627 |
| Additional noninterest expense | $1,061,000 | 3,250 |
| Pre-tax net operating income | $1,945,000 | 2,958 |
| Securities gains (losses) | $90,000 | 1,248 |
| Applicable income taxes | $609,000 | 2,546 |
| Income before extraordinary items | $1,426,000 | 3,087 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,426,000 | 3,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,363,000 | 3,137 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,551,000 | 3,030 |
| Total interest expense | $1,145,000 | 3,194 |
| Net interest income | $3,406,000 | 2,931 |
| Provision for loan and lease losses | $191,000 | 2,290 |
| Total noninterest income | $466,000 | 3,734 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $345,000 | 2,427 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $121,000 | 4,767 |
| Total noninterest expense | $2,384,000 | 3,236 |
| Salaries and employee benefits | $1,395,000 | 3,030 |
| Premises and equipment expense | $280,000 | 3,753 |
| Additional noninterest expense | $709,000 | 3,265 |
| Pre-tax net operating income | $1,297,000 | 2,931 |
| Securities gains (losses) | $82,000 | 1,148 |
| Applicable income taxes | $400,000 | 2,557 |
| Income before extraordinary items | $979,000 | 2,980 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $979,000 | 2,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,602 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $920,780 | 3,055 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,248,000 | 3,071 |
| Total interest expense | $553,000 | 3,331 |
| Net interest income | $1,695,000 | 2,925 |
| Provision for loan and lease losses | $182,000 | 1,241 |
| Total noninterest income | $241,000 | 3,609 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $176,000 | 2,323 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $65,000 | 4,579 |
| Total noninterest expense | $1,183,000 | 3,263 |
| Salaries and employee benefits | $697,000 | 3,043 |
| Premises and equipment expense | $138,000 | 3,818 |
| Additional noninterest expense | $348,000 | 3,305 |
| Pre-tax net operating income | $571,000 | 3,202 |
| Securities gains (losses) | $80,000 | 921 |
| Applicable income taxes | $185,000 | 2,701 |
| Income before extraordinary items | $466,000 | 3,113 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $466,000 | 3,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $408,400 | 3,338 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,176,000 | 3,374 |
| Total interest expense | $2,112,000 | 3,860 |
| Net interest income | $6,064,000 | 3,154 |
| Provision for loan and lease losses | $324,000 | 2,997 |
| Total noninterest income | $1,005,000 | 3,719 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $750,000 | 2,237 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $255,000 | 4,821 |
| Total noninterest expense | $4,625,000 | 3,274 |
| Salaries and employee benefits | $2,582,000 | 3,181 |
| Premises and equipment expense | $600,000 | 3,519 |
| Additional noninterest expense | $1,443,000 | 3,195 |
| Pre-tax net operating income | $2,120,000 | 3,261 |
| Securities gains (losses) | $315,000 | 1,020 |
| Applicable income taxes | $692,000 | 2,822 |
| Income before extraordinary items | $1,743,000 | 3,184 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,743,000 | 3,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,917 |
| Cash dividends | $529,000 | 3,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,516,200 | 3,377 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,044,000 | 3,470 |
| Total interest expense | $1,635,000 | 3,871 |
| Net interest income | $4,409,000 | 3,261 |
| Provision for loan and lease losses | $253,000 | 2,833 |
| Total noninterest income | $758,000 | 3,762 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $562,000 | 2,248 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $196,000 | 4,837 |
| Total noninterest expense | $3,446,000 | 3,279 |
| Salaries and employee benefits | $1,951,000 | 3,170 |
| Premises and equipment expense | $446,000 | 3,549 |
| Additional noninterest expense | $1,049,000 | 3,254 |
| Pre-tax net operating income | $1,468,000 | 3,557 |
| Securities gains (losses) | $315,000 | 930 |
| Applicable income taxes | $507,000 | 2,996 |
| Income before extraordinary items | $1,276,000 | 3,339 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,276,000 | 3,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 8,966 |
| Cash dividends | $260,000 | 3,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,049,200 | 3,706 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,045,000 | 3,483 |
| Total interest expense | $1,136,000 | 3,843 |
| Net interest income | $2,909,000 | 3,281 |
| Provision for loan and lease losses | $189,000 | 2,612 |
| Total noninterest income | $518,000 | 3,667 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $373,000 | 2,221 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $145,000 | 4,632 |
| Total noninterest expense | $2,236,000 | 3,349 |
| Salaries and employee benefits | $1,261,000 | 3,253 |
| Premises and equipment expense | $286,000 | 3,641 |
| Additional noninterest expense | $689,000 | 3,267 |
| Pre-tax net operating income | $1,002,000 | 3,518 |
| Securities gains (losses) | $313,000 | 784 |
| Applicable income taxes | $389,000 | 2,741 |
| Income before extraordinary items | $926,000 | 3,138 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $926,000 | 3,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,990 |
| Cash dividends | $260,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $706,900 | 3,645 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,006,000 | 3,514 |
| Total interest expense | $574,000 | 3,894 |
| Net interest income | $1,432,000 | 3,297 |
| Provision for loan and lease losses | $126,000 | 1,981 |
| Total noninterest income | $242,000 | 3,716 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $179,000 | 2,238 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $63,000 | 4,821 |
| Total noninterest expense | $1,058,000 | 3,495 |
| Salaries and employee benefits | $605,000 | 3,340 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $317,000 | 3,490 |
| Pre-tax net operating income | $490,000 | 3,554 |
| Securities gains (losses) | $74,000 | 1,165 |
| Applicable income taxes | $167,000 | 3,022 |
| Income before extraordinary items | $397,000 | 3,472 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $397,000 | 3,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-63,000 | 9,138 |
| Cash dividends | $260,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $345,200 | 3,659 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,422,000 | 3,488 |
| Total interest expense | $3,015,000 | 3,527 |
| Net interest income | $5,407,000 | 3,425 |
| Provision for loan and lease losses | $449,000 | 2,593 |
| Total noninterest income | $899,000 | 3,710 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $624,000 | 2,496 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $275,000 | 4,443 |
| Total noninterest expense | $4,223,000 | 3,409 |
| Salaries and employee benefits | $2,325,000 | 3,322 |
| Premises and equipment expense | $541,000 | 3,721 |
| Additional noninterest expense | $1,357,000 | 3,233 |
| Pre-tax net operating income | $1,634,000 | 3,885 |
| Securities gains (losses) | $44,000 | 2,517 |
| Applicable income taxes | $474,000 | 3,565 |
| Income before extraordinary items | $1,204,000 | 4,081 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,204,000 | 4,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 2,071 |
| Cash dividends | $290,000 | 4,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,172,320 | 4,047 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,089,000 | 3,989 |
| Total interest expense | $3,815,000 | 3,948 |
| Net interest income | $4,274,000 | 3,921 |
| Provision for loan and lease losses | $189,000 | 4,270 |
| Total noninterest income | $829,000 | 3,756 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $608,000 | 2,408 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $221,000 | 4,730 |
| Total noninterest expense | $3,770,000 | 3,610 |
| Salaries and employee benefits | $2,087,000 | 3,474 |
| Premises and equipment expense | $489,000 | 3,953 |
| Additional noninterest expense | $1,194,000 | 3,517 |
| Pre-tax net operating income | $1,144,000 | 4,541 |
| Securities gains (losses) | $56,000 | 2,241 |
| Applicable income taxes | $341,000 | 4,031 |
| Income before extraordinary items | $859,000 | 4,688 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $859,000 | 4,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $71,000 | 5,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $818,680 | 4,693 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,936,000 | 4,616 |
| Total interest expense | $3,479,000 | 4,404 |
| Net interest income | $3,457,000 | 4,645 |
| Provision for loan and lease losses | $193,000 | 3,828 |
| Total noninterest income | $680,000 | 4,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $501,000 | 2,685 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 5,051 |
| Total noninterest expense | $3,403,000 | 3,807 |
| Salaries and employee benefits | $1,851,000 | 3,691 |
| Premises and equipment expense | $476,000 | 3,942 |
| Additional noninterest expense | $1,076,000 | 3,760 |
| Pre-tax net operating income | $541,000 | 6,813 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $125,000 | 6,224 |
| Income before extraordinary items | $416,000 | 6,752 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $416,000 | 6,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,720 |
| Cash dividends | $206,000 | 5,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $416,000 | 6,761 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,119,000 | 5,484 |
| Total interest expense | $2,191,000 | 5,663 |
| Net interest income | $2,928,000 | 5,253 |
| Provision for loan and lease losses | $312,000 | 2,566 |
| Total noninterest income | $521,000 | 4,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,592 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,261 |
| Total noninterest expense | $3,296,000 | 3,897 |
| Salaries and employee benefits | $1,556,000 | 4,204 |
| Premises and equipment expense | $458,000 | 4,065 |
| Additional noninterest expense | $1,282,000 | 3,250 |
| Pre-tax net operating income | $-159,000 | 9,586 |
| Securities gains (losses) | $44,000 | 1,029 |
| Applicable income taxes | $-146,000 | 9,975 |
| Income before extraordinary items | $31,000 | 9,326 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $31,000 | 9,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,214 |
| Cash dividends | $53,000 | 6,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,840 | 9,410 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,800,000 | 5,838 |
| Total interest expense | $2,267,000 | 5,717 |
| Net interest income | $2,533,000 | 5,806 |
| Provision for loan and lease losses | $85,000 | 5,461 |
| Total noninterest income | $406,000 | 5,562 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,149 |
| Total noninterest expense | $2,359,000 | 4,962 |
| Salaries and employee benefits | $1,061,000 | 5,547 |
| Premises and equipment expense | $384,000 | 4,575 |
| Additional noninterest expense | $914,000 | 4,241 |
| Pre-tax net operating income | $495,000 | 7,394 |
| Securities gains (losses) | $45,000 | 1,821 |
| Applicable income taxes | $146,000 | 6,899 |
| Income before extraordinary items | $394,000 | 7,257 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $394,000 | 7,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $39,000 | 7,043 |
| Sale, conversion, retirement of capital stock, net | $1,039,000 | 458 |
| Net operating income | $361,150 | 7,388 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,414,000 | 6,304 |
| Total interest expense | $2,159,000 | 5,959 |
| Net interest income | $2,255,000 | 6,433 |
| Provision for loan and lease losses | $123,000 | 4,577 |
| Total noninterest income | $377,000 | 5,930 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,756 |
| Total noninterest expense | $1,992,000 | 5,674 |
| Salaries and employee benefits | $900,000 | 6,287 |
| Premises and equipment expense | $363,000 | 4,768 |
| Additional noninterest expense | $729,000 | 5,065 |
| Pre-tax net operating income | $517,000 | 7,828 |
| Securities gains (losses) | $32,000 | 1,598 |
| Applicable income taxes | $167,000 | 7,362 |
| Income before extraordinary items | $382,000 | 7,761 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $382,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,615 |
| Cash dividends | $33,000 | 7,433 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $359,600 | 7,864 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,641,000 | 7,227 |
| Total interest expense | $1,733,000 | 7,005 |
| Net interest income | $1,908,000 | 7,334 |
| Provision for loan and lease losses | $182,000 | 3,615 |
| Total noninterest income | $249,000 | 7,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $1,717,000 | 6,577 |
| Salaries and employee benefits | $739,000 | 7,312 |
| Premises and equipment expense | $336,000 | 5,155 |
| Additional noninterest expense | $640,000 | 6,092 |
| Pre-tax net operating income | $258,000 | 9,427 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $84,000 | 9,042 |
| Income before extraordinary items | $174,000 | 9,547 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $174,000 | 9,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,737 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $174,000 | 9,493 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,051,000 | 8,138 |
| Total interest expense | $1,541,000 | 7,582 |
| Net interest income | $1,510,000 | 8,505 |
| Provision for loan and lease losses | $52,000 | 6,119 |
| Total noninterest income | $199,000 | 8,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $1,549,000 | 7,120 |
| Salaries and employee benefits | $630,000 | 8,185 |
| Premises and equipment expense | $315,000 | 5,426 |
| Additional noninterest expense | $604,000 | 6,510 |
| Pre-tax net operating income | $108,000 | 11,039 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $26,000 | 10,655 |
| Income before extraordinary items | $84,000 | 11,068 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $84,000 | 11,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,506 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $82,480 | 11,067 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,628,000 | 8,681 |
| Total interest expense | $1,134,000 | 8,166 |
| Net interest income | $1,494,000 | 8,899 |
| Provision for loan and lease losses | $68,000 | 5,388 |
| Total noninterest income | $206,000 | 8,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,933 |
| Total noninterest expense | $1,250,000 | 8,422 |
| Salaries and employee benefits | $496,000 | 9,425 |
| Premises and equipment expense | $291,000 | 5,851 |
| Additional noninterest expense | $463,000 | 8,210 |
| Pre-tax net operating income | $382,000 | 9,500 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $135,000 | 8,607 |
| Income before extraordinary items | $240,000 | 9,807 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $240,000 | 9,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,399 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $244,480 | 9,831 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,935,000 | 10,310 |
| Total interest expense | $819,000 | 9,936 |
| Net interest income | $1,116,000 | 10,345 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $446,000 | 6,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $276,000 | 4,706 |
| Total noninterest expense | $1,146,000 | 9,125 |
| Salaries and employee benefits | $450,000 | 10,148 |
| Premises and equipment expense | $306,000 | 5,744 |
| Additional noninterest expense | $390,000 | 9,368 |
| Pre-tax net operating income | $336,000 | 9,932 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $100,000 | 9,745 |
| Income before extraordinary items | $236,000 | 10,209 |
| Extraordinary gains, net | $215,000 | 966 |
| Net income | $451,000 | 8,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 8,222 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $236,000 | 9,961 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,919,000 | 11,055 |
| Total interest expense | $854,000 | 11,073 |
| Net interest income | $1,065,000 | 10,830 |
| Provision for loan and lease losses | $56,000 | 8,797 |
| Total noninterest income | $191,000 | 9,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,539 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $961,000 | 10,158 |
| Salaries and employee benefits | $338,000 | 11,571 |
| Premises and equipment expense | $286,000 | 6,184 |
| Additional noninterest expense | $337,000 | 10,353 |
| Pre-tax net operating income | $239,000 | 10,711 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $72,000 | 10,657 |
| Income before extraordinary items | $173,000 | 10,950 |
| Extraordinary gains, net | $72,000 | 877 |
| Net income | $245,000 | 10,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 7,838 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $573,000 | 530 |
| Net operating income | $168,740 | 10,688 |
* 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.