Home > INDUSTRIAL FEDERAL SAVINGS BANK > Income and Expense
INDUSTRIAL FEDERAL SAVINGS BANK, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,355,000 | 3,704 |
| Total interest expense | $3,223,000 | 3,246 |
| Net interest income | $5,132,000 | 3,876 |
| Provision for loan and lease losses | $64,000 | 6,726 |
| Total noninterest income | $44,000 | 7,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $44,000 | 6,494 |
| Total noninterest expense | $2,596,000 | 5,585 |
| Salaries and employee benefits | $1,567,000 | 5,068 |
| Premises and equipment expense | $362,000 | 5,241 |
| Additional noninterest expense | $667,000 | 6,248 |
| Pre-tax net operating income | $2,516,000 | 1,566 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $852,000 | 1,079 |
| Income before extraordinary items | $1,664,000 | 1,946 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,664,000 | 1,943 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,664,000 | 1,945 |
| Net charge-offs | $5,000 | 7,029 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,664,000 | 1,905 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,326,000 | 3,725 |
| Total interest expense | $2,522,000 | 3,270 |
| Net interest income | $3,804,000 | 3,910 |
| Provision for loan and lease losses | $31,000 | 6,774 |
| Total noninterest income | $35,000 | 7,547 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $35,000 | 6,592 |
| Total noninterest expense | $1,935,000 | 5,616 |
| Salaries and employee benefits | $1,177,000 | 5,092 |
| Premises and equipment expense | $271,000 | 5,282 |
| Additional noninterest expense | $487,000 | 6,316 |
| Pre-tax net operating income | $1,873,000 | 1,721 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $647,000 | 1,155 |
| Income before extraordinary items | $1,226,000 | 2,142 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,226,000 | 2,139 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,226,000 | 2,142 |
| Net charge-offs | $5,000 | 6,691 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,226,000 | 2,092 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,233,000 | 3,749 |
| Total interest expense | $1,741,000 | 3,310 |
| Net interest income | $2,492,000 | 3,951 |
| Provision for loan and lease losses | $14,000 | 6,832 |
| Total noninterest income | $36,000 | 7,412 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $36,000 | 6,203 |
| Total noninterest expense | $1,250,000 | 5,748 |
| Salaries and employee benefits | $775,000 | 5,197 |
| Premises and equipment expense | $179,000 | 5,353 |
| Additional noninterest expense | $296,000 | 6,517 |
| Pre-tax net operating income | $1,264,000 | 1,752 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $433,000 | 1,202 |
| Income before extraordinary items | $831,000 | 2,177 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $831,000 | 2,175 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $831,000 | 2,176 |
| Net charge-offs | $5,000 | 6,236 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $831,000 | 2,110 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,120,000 | 3,775 |
| Total interest expense | $893,000 | 3,344 |
| Net interest income | $1,227,000 | 3,997 |
| Provision for loan and lease losses | $2,000 | 6,666 |
| Total noninterest income | $27,000 | 7,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $27,000 | 5,783 |
| Total noninterest expense | $607,000 | 5,780 |
| Salaries and employee benefits | $395,000 | 5,185 |
| Premises and equipment expense | $90,000 | 5,382 |
| Additional noninterest expense | $122,000 | 6,750 |
| Pre-tax net operating income | $645,000 | 1,936 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $229,000 | 1,308 |
| Income before extraordinary items | $416,000 | 2,479 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $416,000 | 2,479 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $416,000 | 2,481 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $416,000 | 2,333 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,453,000 | 3,981 |
| Total interest expense | $4,086,000 | 3,466 |
| Net interest income | $4,367,000 | 4,306 |
| Provision for loan and lease losses | $17,000 | 7,069 |
| Total noninterest income | $52,000 | 7,726 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $52,000 | 6,724 |
| Total noninterest expense | $2,233,000 | 5,938 |
| Salaries and employee benefits | $1,455,000 | 5,427 |
| Premises and equipment expense | $379,000 | 5,233 |
| Additional noninterest expense | $399,000 | 7,050 |
| Pre-tax net operating income | $2,169,000 | 2,308 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $741,000 | 1,470 |
| Income before extraordinary items | $1,428,000 | 2,597 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,428,000 | 2,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,900 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,428,000 | 2,749 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,322,000 | 4,052 |
| Total interest expense | $3,141,000 | 3,511 |
| Net interest income | $3,181,000 | 4,432 |
| Provision for loan and lease losses | $10,000 | 6,725 |
| Total noninterest income | $37,000 | 7,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $37,000 | 6,915 |
| Total noninterest expense | $1,658,000 | 5,957 |
| Salaries and employee benefits | $1,100,000 | 5,408 |
| Premises and equipment expense | $276,000 | 5,327 |
| Additional noninterest expense | $282,000 | 7,145 |
| Pre-tax net operating income | $1,550,000 | 2,770 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $534,000 | 1,820 |
| Income before extraordinary items | $1,016,000 | 3,074 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,016,000 | 3,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,016,000 | 3,227 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,201,000 | 4,117 |
| Total interest expense | $2,182,000 | 3,523 |
| Net interest income | $2,019,000 | 4,594 |
| Provision for loan and lease losses | $3,000 | 6,580 |
| Total noninterest income | $24,000 | 7,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $24,000 | 7,026 |
| Total noninterest expense | $1,084,000 | 6,059 |
| Salaries and employee benefits | $721,000 | 5,515 |
| Premises and equipment expense | $182,000 | 5,392 |
| Additional noninterest expense | $181,000 | 7,222 |
| Pre-tax net operating income | $956,000 | 3,038 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $326,000 | 2,116 |
| Income before extraordinary items | $630,000 | 3,531 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $630,000 | 3,531 |
| 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 | $630,000 | 3,475 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,068,000 | 4,224 |
| Total interest expense | $1,122,000 | 3,615 |
| Net interest income | $946,000 | 4,806 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $12,000 | 7,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $12,000 | 7,050 |
| Total noninterest expense | $558,000 | 6,012 |
| Salaries and employee benefits | $382,000 | 5,384 |
| Premises and equipment expense | $88,000 | 5,508 |
| Additional noninterest expense | $88,000 | 7,268 |
| Pre-tax net operating income | $400,000 | 3,550 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $143,000 | 2,382 |
| Income before extraordinary items | $257,000 | 4,142 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $257,000 | 4,144 |
| 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 | $257,000 | 4,038 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,962,000 | 4,373 |
| Total interest expense | $4,386,000 | 3,783 |
| Net interest income | $3,576,000 | 4,964 |
| Provision for loan and lease losses | $1,000 | 6,828 |
| Total noninterest income | $54,000 | 8,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $54,000 | 7,021 |
| Total noninterest expense | $2,129,000 | 6,054 |
| Salaries and employee benefits | $1,442,000 | 5,437 |
| Premises and equipment expense | $320,000 | 5,632 |
| Additional noninterest expense | $367,000 | 7,213 |
| Pre-tax net operating income | $1,500,000 | 3,899 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $513,000 | 2,708 |
| Income before extraordinary items | $987,000 | 4,353 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $987,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $987,000 | 4,343 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,927,000 | 4,405 |
| Total interest expense | $3,253,000 | 3,820 |
| Net interest income | $2,674,000 | 5,003 |
| Provision for loan and lease losses | $-1,000 | 8,274 |
| Total noninterest income | $40,000 | 8,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $40,000 | 7,060 |
| Total noninterest expense | $1,590,000 | 6,042 |
| Salaries and employee benefits | $1,081,000 | 5,404 |
| Premises and equipment expense | $233,000 | 5,691 |
| Additional noninterest expense | $276,000 | 7,185 |
| Pre-tax net operating income | $1,125,000 | 4,094 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $390,000 | 2,828 |
| Income before extraordinary items | $735,000 | 4,533 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $735,000 | 4,533 |
| 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 | $735,000 | 4,533 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,900,000 | 4,469 |
| Total interest expense | $2,133,000 | 3,867 |
| Net interest income | $1,767,000 | 5,053 |
| Provision for loan and lease losses | $-2,000 | 8,317 |
| Total noninterest income | $29,000 | 8,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $29,000 | 7,026 |
| Total noninterest expense | $1,035,000 | 6,144 |
| Salaries and employee benefits | $708,000 | 5,512 |
| Premises and equipment expense | $148,000 | 5,847 |
| Additional noninterest expense | $179,000 | 7,271 |
| Pre-tax net operating income | $763,000 | 4,126 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $260,000 | 2,911 |
| Income before extraordinary items | $503,000 | 4,530 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $503,000 | 4,531 |
| 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 | $503,000 | 4,525 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,927,000 | 4,497 |
| Total interest expense | $1,039,000 | 3,914 |
| Net interest income | $888,000 | 5,042 |
| Provision for loan and lease losses | $-1,000 | 8,375 |
| Total noninterest income | $15,000 | 8,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $15,000 | 6,985 |
| Total noninterest expense | $532,000 | 6,124 |
| Salaries and employee benefits | $375,000 | 5,373 |
| Premises and equipment expense | $68,000 | 6,105 |
| Additional noninterest expense | $89,000 | 7,293 |
| Pre-tax net operating income | $372,000 | 4,170 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $133,000 | 2,900 |
| Income before extraordinary items | $239,000 | 4,665 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $239,000 | 4,667 |
| 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 | $239,000 | 4,650 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,588,000 | 4,339 |
| Total interest expense | $3,697,000 | 3,782 |
| Net interest income | $3,891,000 | 4,735 |
| Provision for loan and lease losses | $4,000 | 6,764 |
| Total noninterest income | $63,000 | 8,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $63,000 | 6,999 |
| Total noninterest expense | $2,098,000 | 6,020 |
| Salaries and employee benefits | $1,433,000 | 5,350 |
| Premises and equipment expense | $258,000 | 6,138 |
| Additional noninterest expense | $407,000 | 7,032 |
| Pre-tax net operating income | $1,852,000 | 3,818 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $630,000 | 2,821 |
| Income before extraordinary items | $1,222,000 | 4,245 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,222,000 | 4,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,222,000 | 4,222 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,662,000 | 4,334 |
| Total interest expense | $2,655,000 | 3,818 |
| Net interest income | $3,007,000 | 4,683 |
| Provision for loan and lease losses | $3,000 | 6,614 |
| Total noninterest income | $53,000 | 8,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,851 |
| Total noninterest expense | $1,554,000 | 6,051 |
| Salaries and employee benefits | $1,058,000 | 5,371 |
| Premises and equipment expense | $192,000 | 6,184 |
| Additional noninterest expense | $304,000 | 7,064 |
| Pre-tax net operating income | $1,503,000 | 3,781 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $521,000 | 2,804 |
| Income before extraordinary items | $982,000 | 4,216 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $982,000 | 4,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $982,000 | 4,204 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,733,000 | 4,316 |
| Total interest expense | $1,673,000 | 3,843 |
| Net interest income | $2,060,000 | 4,634 |
| Provision for loan and lease losses | $3,000 | 6,297 |
| Total noninterest income | $34,000 | 8,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $34,000 | 6,958 |
| Total noninterest expense | $1,000,000 | 6,175 |
| Salaries and employee benefits | $666,000 | 5,581 |
| Premises and equipment expense | $129,000 | 6,171 |
| Additional noninterest expense | $205,000 | 7,052 |
| Pre-tax net operating income | $1,091,000 | 3,583 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $374,000 | 2,717 |
| Income before extraordinary items | $717,000 | 4,007 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $717,000 | 4,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $717,000 | 3,996 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,846,000 | 4,307 |
| Total interest expense | $788,000 | 3,854 |
| Net interest income | $1,058,000 | 4,552 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $20,000 | 8,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $531,000 | 6,005 |
| Salaries and employee benefits | $335,000 | 5,581 |
| Premises and equipment expense | $65,000 | 6,170 |
| Additional noninterest expense | $131,000 | 6,438 |
| Pre-tax net operating income | $547,000 | 3,545 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $195,000 | 2,644 |
| Income before extraordinary items | $352,000 | 4,008 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $352,000 | 4,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $352,000 | 3,990 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,314,000 | 4,019 |
| Total interest expense | $2,619,000 | 3,691 |
| Net interest income | $4,695,000 | 4,139 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $89,000 | 8,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $89,000 | 6,588 |
| Total noninterest expense | $2,031,000 | 6,064 |
| Salaries and employee benefits | $1,356,000 | 5,392 |
| Premises and equipment expense | $263,000 | 6,074 |
| Additional noninterest expense | $412,000 | 7,030 |
| Pre-tax net operating income | $2,753,000 | 2,961 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $965,000 | 2,311 |
| Income before extraordinary items | $1,788,000 | 3,373 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,788,000 | 3,375 |
| 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 | $1,788,000 | 3,340 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,475,000 | 3,976 |
| Total interest expense | $1,875,000 | 3,683 |
| Net interest income | $3,600,000 | 4,075 |
| Provision for loan and lease losses | $1,000 | 6,883 |
| Total noninterest income | $65,000 | 8,122 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $65,000 | 6,628 |
| Total noninterest expense | $1,506,000 | 6,065 |
| Salaries and employee benefits | $1,007,000 | 5,395 |
| Premises and equipment expense | $193,000 | 6,124 |
| Additional noninterest expense | $306,000 | 7,060 |
| Pre-tax net operating income | $2,158,000 | 2,887 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $763,000 | 2,277 |
| Income before extraordinary items | $1,395,000 | 3,315 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,395,000 | 3,317 |
| 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 | $1,395,000 | 3,274 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,639,000 | 3,922 |
| Total interest expense | $1,186,000 | 3,645 |
| Net interest income | $2,453,000 | 3,983 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $45,000 | 8,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $45,000 | 6,573 |
| Total noninterest expense | $973,000 | 6,172 |
| Salaries and employee benefits | $640,000 | 5,530 |
| Premises and equipment expense | $127,000 | 6,165 |
| Additional noninterest expense | $206,000 | 7,021 |
| Pre-tax net operating income | $1,525,000 | 2,714 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $537,000 | 2,162 |
| Income before extraordinary items | $988,000 | 3,124 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $988,000 | 3,125 |
| 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 | $988,000 | 3,078 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,817,000 | 3,892 |
| Total interest expense | $567,000 | 3,668 |
| Net interest income | $1,250,000 | 3,922 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $25,000 | 7,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $496,000 | 6,129 |
| Salaries and employee benefits | $326,000 | 5,527 |
| Premises and equipment expense | $64,000 | 6,186 |
| Additional noninterest expense | $106,000 | 6,999 |
| Pre-tax net operating income | $779,000 | 2,629 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $282,000 | 2,070 |
| Income before extraordinary items | $497,000 | 3,063 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $497,000 | 3,064 |
| 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 | $497,000 | 3,019 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,425,000 | 3,630 |
| Total interest expense | $2,096,000 | 3,508 |
| Net interest income | $5,329,000 | 3,623 |
| Provision for loan and lease losses | $38,000 | 6,224 |
| Total noninterest income | $91,000 | 8,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $91,000 | 6,570 |
| Total noninterest expense | $1,840,000 | 6,303 |
| Salaries and employee benefits | $1,188,000 | 5,719 |
| Premises and equipment expense | $261,000 | 6,073 |
| Additional noninterest expense | $391,000 | 7,172 |
| Pre-tax net operating income | $3,542,000 | 2,255 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,263,000 | 1,838 |
| Income before extraordinary items | $2,279,000 | 2,612 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,279,000 | 2,615 |
| 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 | $2,279,000 | 2,562 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,586,000 | 3,592 |
| Total interest expense | $1,552,000 | 3,512 |
| Net interest income | $4,034,000 | 3,572 |
| Provision for loan and lease losses | $35,000 | 5,873 |
| Total noninterest income | $69,000 | 8,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $69,000 | 6,565 |
| Total noninterest expense | $1,358,000 | 6,304 |
| Salaries and employee benefits | $889,000 | 5,692 |
| Premises and equipment expense | $195,000 | 6,068 |
| Additional noninterest expense | $274,000 | 7,293 |
| Pre-tax net operating income | $2,710,000 | 2,238 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $969,000 | 1,823 |
| Income before extraordinary items | $1,741,000 | 2,621 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,741,000 | 2,623 |
| 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 | $1,741,000 | 2,553 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,746,000 | 3,567 |
| Total interest expense | $1,029,000 | 3,527 |
| Net interest income | $2,717,000 | 3,532 |
| Provision for loan and lease losses | $32,000 | 5,260 |
| Total noninterest income | $47,000 | 8,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $47,000 | 6,544 |
| Total noninterest expense | $900,000 | 6,363 |
| Salaries and employee benefits | $582,000 | 5,783 |
| Premises and equipment expense | $140,000 | 5,870 |
| Additional noninterest expense | $178,000 | 7,398 |
| Pre-tax net operating income | $1,832,000 | 2,202 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $650,000 | 1,811 |
| Income before extraordinary items | $1,182,000 | 2,561 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,182,000 | 2,562 |
| 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 | $1,182,000 | 2,495 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,895,000 | 3,539 |
| Total interest expense | $517,000 | 3,531 |
| Net interest income | $1,378,000 | 3,488 |
| Provision for loan and lease losses | $33,000 | 3,984 |
| Total noninterest income | $22,000 | 8,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $474,000 | 6,220 |
| Salaries and employee benefits | $317,000 | 5,552 |
| Premises and equipment expense | $68,000 | 5,967 |
| Additional noninterest expense | $89,000 | 7,409 |
| Pre-tax net operating income | $893,000 | 2,214 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $324,000 | 1,822 |
| Income before extraordinary items | $569,000 | 2,634 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $569,000 | 2,634 |
| 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 | $569,000 | 2,547 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,866,000 | 3,493 |
| Total interest expense | $2,510,000 | 3,324 |
| Net interest income | $5,356,000 | 3,501 |
| Provision for loan and lease losses | $1,000 | 7,629 |
| Total noninterest income | $144,000 | 7,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $144,000 | 5,891 |
| Total noninterest expense | $1,739,000 | 6,457 |
| Salaries and employee benefits | $1,059,000 | 6,060 |
| Premises and equipment expense | $296,000 | 5,695 |
| Additional noninterest expense | $384,000 | 7,260 |
| Pre-tax net operating income | $3,760,000 | 2,071 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,344,000 | 1,780 |
| Income before extraordinary items | $2,416,000 | 2,443 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,416,000 | 2,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,416,000 | 2,333 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,950,000 | 3,518 |
| Total interest expense | $1,961,000 | 3,335 |
| Net interest income | $3,989,000 | 3,535 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $114,000 | 7,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $114,000 | 5,828 |
| Total noninterest expense | $1,309,000 | 6,422 |
| Salaries and employee benefits | $805,000 | 5,994 |
| Premises and equipment expense | $230,000 | 5,580 |
| Additional noninterest expense | $274,000 | 7,361 |
| Pre-tax net operating income | $2,794,000 | 2,167 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,004,000 | 1,854 |
| Income before extraordinary items | $1,790,000 | 2,580 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,790,000 | 2,578 |
| 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 | $1,790,000 | 2,451 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,068,000 | 3,467 |
| Total interest expense | $1,369,000 | 3,311 |
| Net interest income | $2,699,000 | 3,488 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $62,000 | 8,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $62,000 | 6,200 |
| Total noninterest expense | $867,000 | 6,457 |
| Salaries and employee benefits | $528,000 | 6,056 |
| Premises and equipment expense | $156,000 | 5,529 |
| Additional noninterest expense | $183,000 | 7,357 |
| Pre-tax net operating income | $1,894,000 | 2,143 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $675,000 | 1,870 |
| Income before extraordinary items | $1,219,000 | 2,539 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,219,000 | 2,536 |
| 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 | $1,219,000 | 2,386 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,059,000 | 3,442 |
| Total interest expense | $709,000 | 3,281 |
| Net interest income | $1,350,000 | 3,470 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $34,000 | 7,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $34,000 | 5,990 |
| Total noninterest expense | $447,000 | 6,359 |
| Salaries and employee benefits | $286,000 | 5,782 |
| Premises and equipment expense | $78,000 | 5,518 |
| Additional noninterest expense | $83,000 | 7,586 |
| Pre-tax net operating income | $937,000 | 2,161 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $340,000 | 1,866 |
| Income before extraordinary items | $597,000 | 2,554 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $597,000 | 2,552 |
| 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 | $597,000 | 2,420 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,558,000 | 3,442 |
| Total interest expense | $3,332,000 | 3,240 |
| Net interest income | $5,226,000 | 3,527 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $152,000 | 7,802 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $152,000 | 5,576 |
| Total noninterest expense | $1,788,000 | 6,279 |
| Salaries and employee benefits | $1,102,000 | 5,800 |
| Premises and equipment expense | $316,000 | 5,403 |
| Additional noninterest expense | $370,000 | 7,346 |
| Pre-tax net operating income | $3,590,000 | 2,167 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,280,000 | 1,862 |
| Income before extraordinary items | $2,310,000 | 2,505 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,310,000 | 2,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,310,000 | 2,416 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,650,000 | 3,760 |
| Total interest expense | $4,755,000 | 3,297 |
| Net interest income | $3,895,000 | 4,208 |
| Provision for loan and lease losses | $1,000 | 8,207 |
| Total noninterest income | $162,000 | 7,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $162,000 | 5,371 |
| Total noninterest expense | $1,630,000 | 6,510 |
| Salaries and employee benefits | $1,014,000 | 5,925 |
| Premises and equipment expense | $277,000 | 5,776 |
| Additional noninterest expense | $339,000 | 7,580 |
| Pre-tax net operating income | $2,426,000 | 2,728 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $861,000 | 2,310 |
| Income before extraordinary items | $1,565,000 | 3,126 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,565,000 | 3,130 |
| 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 | $1,565,000 | 3,033 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,602,000 | 3,897 |
| Total interest expense | $4,753,000 | 3,467 |
| Net interest income | $3,849,000 | 4,304 |
| Provision for loan and lease losses | $1,000 | 8,301 |
| Total noninterest income | $219,000 | 7,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $219,000 | 4,579 |
| Total noninterest expense | $1,538,000 | 6,651 |
| Salaries and employee benefits | $920,000 | 6,247 |
| Premises and equipment expense | $274,000 | 5,725 |
| Additional noninterest expense | $344,000 | 7,594 |
| Pre-tax net operating income | $2,529,000 | 2,742 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $889,000 | 2,337 |
| Income before extraordinary items | $1,640,000 | 3,021 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,640,000 | 3,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,640,000 | 3,014 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,372,000 | 3,749 |
| Total interest expense | $4,425,000 | 3,285 |
| Net interest income | $3,947,000 | 4,227 |
| Provision for loan and lease losses | $2,000 | 8,441 |
| Total noninterest income | $152,000 | 8,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $152,000 | 5,571 |
| Total noninterest expense | $1,430,000 | 6,957 |
| Salaries and employee benefits | $829,000 | 6,619 |
| Premises and equipment expense | $258,000 | 5,933 |
| Additional noninterest expense | $343,000 | 7,763 |
| Pre-tax net operating income | $2,667,000 | 2,653 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $958,000 | 2,291 |
| Income before extraordinary items | $1,709,000 | 2,925 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,709,000 | 2,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,709,000 | 2,895 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,402,000 | 3,759 |
| Total interest expense | $4,528,000 | 3,276 |
| Net interest income | $3,874,000 | 4,233 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $154,000 | 8,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $154,000 | 5,613 |
| Total noninterest expense | $1,346,000 | 7,117 |
| Salaries and employee benefits | $805,000 | 6,669 |
| Premises and equipment expense | $221,000 | 6,412 |
| Additional noninterest expense | $320,000 | 7,929 |
| Pre-tax net operating income | $2,672,000 | 2,632 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $957,000 | 2,383 |
| Income before extraordinary items | $1,715,000 | 2,908 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,715,000 | 2,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,715,000 | 2,824 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,052,000 | 3,941 |
| Total interest expense | $4,234,000 | 3,470 |
| Net interest income | $3,818,000 | 4,405 |
| Provision for loan and lease losses | $10,000 | 8,395 |
| Total noninterest income | $147,000 | 8,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $147,000 | 5,750 |
| Total noninterest expense | $1,241,000 | 7,525 |
| Salaries and employee benefits | $722,000 | 7,197 |
| Premises and equipment expense | $220,000 | 6,498 |
| Additional noninterest expense | $299,000 | 8,326 |
| Pre-tax net operating income | $2,714,000 | 2,720 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $982,000 | 2,471 |
| Income before extraordinary items | $1,732,000 | 2,941 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,732,000 | 2,940 |
| 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 | $1,732,000 | 2,887 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,675,000 | 4,194 |
| Total interest expense | $4,070,000 | 3,651 |
| Net interest income | $3,605,000 | 4,709 |
| Provision for loan and lease losses | $-1,000 | 11,037 |
| Total noninterest income | $142,000 | 9,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $142,000 | 6,132 |
| Total noninterest expense | $1,827,000 | 6,324 |
| Salaries and employee benefits | $714,000 | 7,433 |
| Premises and equipment expense | $220,000 | 6,686 |
| Additional noninterest expense | $893,000 | 4,786 |
| Pre-tax net operating income | $1,921,000 | 3,512 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $688,000 | 3,221 |
| Income before extraordinary items | $1,233,000 | 3,792 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,233,000 | 3,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,233,000 | 3,743 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,264,000 | 4,414 |
| Total interest expense | $3,750,000 | 3,901 |
| Net interest income | $3,514,000 | 4,858 |
| Provision for loan and lease losses | $11,000 | 8,279 |
| Total noninterest income | $134,000 | 9,586 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $134,000 | 6,308 |
| Total noninterest expense | $1,362,000 | 7,705 |
| Salaries and employee benefits | $739,000 | 7,468 |
| Premises and equipment expense | $221,000 | 6,820 |
| Additional noninterest expense | $402,000 | 8,174 |
| Pre-tax net operating income | $2,275,000 | 3,120 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $802,000 | 2,869 |
| Income before extraordinary items | $1,473,000 | 3,297 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,473,000 | 3,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,473,000 | 3,273 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,624,000 | 4,444 |
| Total interest expense | $2,908,000 | 4,073 |
| Net interest income | $3,716,000 | 4,679 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $169,000 | 9,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $169,000 | 5,830 |
| Total noninterest expense | $1,338,000 | 8,121 |
| Salaries and employee benefits | $700,000 | 7,880 |
| Premises and equipment expense | $216,000 | 7,121 |
| Additional noninterest expense | $422,000 | 8,602 |
| Pre-tax net operating income | $2,523,000 | 2,802 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $917,000 | 2,429 |
| Income before extraordinary items | $1,606,000 | 2,998 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,606,000 | 3,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,606,000 | 3,018 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,595,000 | 4,559 |
| Total interest expense | $2,908,000 | 4,229 |
| Net interest income | $3,687,000 | 4,736 |
| Provision for loan and lease losses | $16,000 | 9,322 |
| Total noninterest income | $112,000 | 11,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $112,000 | 7,533 |
| Total noninterest expense | $1,114,000 | 9,276 |
| Salaries and employee benefits | $557,000 | 9,152 |
| Premises and equipment expense | $209,000 | 7,512 |
| Additional noninterest expense | $348,000 | 9,861 |
| Pre-tax net operating income | $2,669,000 | 2,560 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $992,000 | 2,276 |
| Income before extraordinary items | $1,677,000 | 2,923 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,677,000 | 3,021 |
| 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 | $1,677,000 | 2,772 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,679,000 | 5,024 |
| Total interest expense | $3,326,000 | 4,746 |
| Net interest income | $3,353,000 | 5,207 |
| Provision for loan and lease losses | $10,000 | 11,168 |
| Total noninterest income | $110,000 | 11,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $110,000 | 7,754 |
| Total noninterest expense | $1,070,000 | 9,667 |
| Salaries and employee benefits | $556,000 | 9,219 |
| Premises and equipment expense | $184,000 | 8,213 |
| Additional noninterest expense | $330,000 | 10,437 |
| Pre-tax net operating income | $2,383,000 | 2,614 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $898,000 | 2,330 |
| Income before extraordinary items | $1,485,000 | 3,106 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,485,000 | 3,138 |
| 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 | $1,485,000 | 2,873 |
* 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.