Home > Innovative Bank > Income and Expense
Innovative Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,258,000 | 2,445 |
| Total interest expense | $1,434,000 | 1,643 |
| Net interest income | $1,824,000 | 3,026 |
| Provision for loan and lease losses | $3,180,000 | 521 |
| Total noninterest income | $586,000 | 1,806 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $116,000 | 2,852 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $470,000 | 1,361 |
| Total noninterest expense | $2,801,000 | 1,776 |
| Salaries and employee benefits | $1,399,000 | 1,789 |
| Premises and equipment expense | $368,000 | 1,837 |
| Additional noninterest expense | $1,034,000 | 1,696 |
| Pre-tax net operating income | $-3,571,000 | 7,716 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-502,000 | 7,709 |
| Income before extraordinary items | $-3,069,000 | 7,719 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-3,069,000 | 7,720 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-3,069,000 | 7,720 |
| Net charge-offs | $2,637,000 | 539 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-3,069,000 | 7,712 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,051,000 | 2,736 |
| Total interest expense | $7,197,000 | 1,642 |
| Net interest income | $4,854,000 | 4,021 |
| Provision for loan and lease losses | $17,082,000 | 552 |
| Total noninterest income | $5,588,000 | 999 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $415,000 | 3,256 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $5,173,000 | 694 |
| Total noninterest expense | $14,183,000 | 1,455 |
| Salaries and employee benefits | $5,714,000 | 1,732 |
| Premises and equipment expense | $1,638,000 | 1,653 |
| Additional noninterest expense | $6,831,000 | 1,138 |
| Pre-tax net operating income | $-20,823,000 | 7,723 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-6,339,000 | 7,816 |
| Income before extraordinary items | $-14,484,000 | 7,669 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-14,484,000 | 7,668 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-14,484,000 | 7,668 |
| Net charge-offs | $19,009,000 | 427 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-14,484,000 | 7,668 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,284,000 | 2,702 |
| Total interest expense | $5,750,000 | 1,611 |
| Net interest income | $3,534,000 | 4,098 |
| Provision for loan and lease losses | $9,950,000 | 627 |
| Total noninterest income | $4,194,000 | 1,008 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $319,000 | 3,224 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,875,000 | 710 |
| Total noninterest expense | $9,188,000 | 1,653 |
| Salaries and employee benefits | $4,487,000 | 1,675 |
| Premises and equipment expense | $1,256,000 | 1,620 |
| Additional noninterest expense | $3,445,000 | 1,568 |
| Pre-tax net operating income | $-11,410,000 | 7,776 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-3,578,000 | 7,845 |
| Income before extraordinary items | $-7,832,000 | 7,721 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-7,832,000 | 7,720 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-7,832,000 | 7,720 |
| Net charge-offs | $11,725,000 | 456 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-7,832,000 | 7,730 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,249,000 | 2,714 |
| Total interest expense | $4,170,000 | 1,572 |
| Net interest income | $2,079,000 | 4,470 |
| Provision for loan and lease losses | $5,441,000 | 698 |
| Total noninterest income | $2,601,000 | 1,074 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $227,000 | 3,077 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,374,000 | 771 |
| Total noninterest expense | $6,259,000 | 1,649 |
| Salaries and employee benefits | $3,131,000 | 1,638 |
| Premises and equipment expense | $839,000 | 1,651 |
| Additional noninterest expense | $2,289,000 | 1,596 |
| Pre-tax net operating income | $-7,020,000 | 7,831 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-2,558,000 | 7,943 |
| Income before extraordinary items | $-4,462,000 | 7,767 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,462,000 | 7,766 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-4,462,000 | 7,766 |
| Net charge-offs | $5,834,000 | 527 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,462,000 | 7,781 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,195,000 | 2,701 |
| Total interest expense | $2,117,000 | 1,601 |
| Net interest income | $1,078,000 | 4,351 |
| Provision for loan and lease losses | $2,455,000 | 645 |
| Total noninterest income | $1,510,000 | 931 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $111,000 | 3,071 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,399,000 | 659 |
| Total noninterest expense | $2,913,000 | 1,708 |
| Salaries and employee benefits | $1,494,000 | 1,737 |
| Premises and equipment expense | $416,000 | 1,691 |
| Additional noninterest expense | $1,003,000 | 1,613 |
| Pre-tax net operating income | $-2,780,000 | 7,928 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-989,000 | 8,003 |
| Income before extraordinary items | $-1,791,000 | 7,876 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,791,000 | 7,877 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,791,000 | 7,877 |
| Net charge-offs | $3,320,000 | 420 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,791,000 | 7,872 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,467,000 | 2,170 |
| Total interest expense | $9,406,000 | 1,719 |
| Net interest income | $8,061,000 | 2,684 |
| Provision for loan and lease losses | $10,784,000 | 566 |
| Total noninterest income | $7,510,000 | 752 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $284,000 | 4,118 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $7,226,000 | 490 |
| Total noninterest expense | $15,823,000 | 1,236 |
| Salaries and employee benefits | $6,492,000 | 1,595 |
| Premises and equipment expense | $1,878,000 | 1,474 |
| Additional noninterest expense | $7,453,000 | 876 |
| Pre-tax net operating income | $-11,036,000 | 8,010 |
| Securities gains (losses) | $97,000 | 1,147 |
| Applicable income taxes | $-3,371,000 | 8,034 |
| Income before extraordinary items | $-7,568,000 | 7,934 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-7,568,000 | 7,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,717,000 | 731 |
| Cash dividends | $660,000 | 2,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-7,634,930 | 7,969 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,856,000 | 2,110 |
| Total interest expense | $7,223,000 | 1,748 |
| Net interest income | $6,633,000 | 2,487 |
| Provision for loan and lease losses | $4,178,000 | 733 |
| Total noninterest income | $6,482,000 | 699 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $202,000 | 4,242 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $6,280,000 | 466 |
| Total noninterest expense | $10,278,000 | 1,407 |
| Salaries and employee benefits | $4,847,000 | 1,620 |
| Premises and equipment expense | $1,429,000 | 1,459 |
| Additional noninterest expense | $4,002,000 | 1,146 |
| Pre-tax net operating income | $-1,341,000 | 7,679 |
| Securities gains (losses) | $97,000 | 988 |
| Applicable income taxes | $-684,000 | 7,952 |
| Income before extraordinary items | $-560,000 | 7,234 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-560,000 | 7,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,241,000 | 616 |
| Cash dividends | $660,000 | 2,353 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-622,080 | 7,406 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,688,000 | 2,042 |
| Total interest expense | $5,039,000 | 1,749 |
| Net interest income | $4,649,000 | 2,359 |
| Provision for loan and lease losses | $2,480,000 | 676 |
| Total noninterest income | $4,693,000 | 669 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $134,000 | 4,255 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $4,559,000 | 462 |
| Total noninterest expense | $6,132,000 | 1,585 |
| Salaries and employee benefits | $3,175,000 | 1,656 |
| Premises and equipment expense | $945,000 | 1,474 |
| Additional noninterest expense | $2,012,000 | 1,455 |
| Pre-tax net operating income | $730,000 | 3,626 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $278,000 | 2,301 |
| Income before extraordinary items | $452,000 | 4,230 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $452,000 | 4,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,889,000 | 574 |
| Cash dividends | $660,000 | 1,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $452,000 | 4,166 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,317,000 | 1,918 |
| Total interest expense | $2,672,000 | 1,757 |
| Net interest income | $2,645,000 | 2,099 |
| Provision for loan and lease losses | $1,632,000 | 445 |
| Total noninterest income | $2,637,000 | 617 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $66,000 | 4,266 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $2,571,000 | 433 |
| Total noninterest expense | $3,149,000 | 1,520 |
| Salaries and employee benefits | $1,744,000 | 1,534 |
| Premises and equipment expense | $482,000 | 1,442 |
| Additional noninterest expense | $923,000 | 1,556 |
| Pre-tax net operating income | $501,000 | 3,072 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $197,000 | 1,989 |
| Income before extraordinary items | $304,000 | 3,767 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $304,000 | 3,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,024,000 | 458 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $304,000 | 3,688 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,164,000 | 1,907 |
| Total interest expense | $10,568,000 | 1,875 |
| Net interest income | $11,596,000 | 1,962 |
| Provision for loan and lease losses | $4,408,000 | 456 |
| Total noninterest income | $13,669,000 | 498 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $424,000 | 3,415 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $13,245,000 | 345 |
| Total noninterest expense | $12,560,000 | 1,468 |
| Salaries and employee benefits | $6,707,000 | 1,506 |
| Premises and equipment expense | $1,891,000 | 1,409 |
| Additional noninterest expense | $3,962,000 | 1,396 |
| Pre-tax net operating income | $8,297,000 | 1,016 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,487,000 | 717 |
| Income before extraordinary items | $4,810,000 | 1,333 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,810,000 | 1,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,189,000 | 445 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 975 |
| Net operating income | $4,810,000 | 1,320 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,812,000 | 1,889 |
| Total interest expense | $7,772,000 | 1,907 |
| Net interest income | $9,040,000 | 1,891 |
| Provision for loan and lease losses | $3,218,000 | 371 |
| Total noninterest income | $10,222,000 | 500 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $333,000 | 3,316 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $9,889,000 | 347 |
| Total noninterest expense | $9,252,000 | 1,474 |
| Salaries and employee benefits | $5,395,000 | 1,410 |
| Premises and equipment expense | $1,363,000 | 1,463 |
| Additional noninterest expense | $2,494,000 | 1,637 |
| Pre-tax net operating income | $6,792,000 | 1,017 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,851,000 | 718 |
| Income before extraordinary items | $3,941,000 | 1,303 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,941,000 | 1,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,090,000 | 388 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,941,000 | 1,294 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,990,000 | 2,113 |
| Total interest expense | $4,940,000 | 1,982 |
| Net interest income | $5,050,000 | 2,274 |
| Provision for loan and lease losses | $1,896,000 | 337 |
| Total noninterest income | $7,515,000 | 478 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $129,000 | 4,409 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $7,386,000 | 333 |
| Total noninterest expense | $6,136,000 | 1,498 |
| Salaries and employee benefits | $3,582,000 | 1,441 |
| Premises and equipment expense | $921,000 | 1,446 |
| Additional noninterest expense | $1,633,000 | 1,661 |
| Pre-tax net operating income | $4,533,000 | 1,057 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,903,000 | 762 |
| Income before extraordinary items | $2,630,000 | 1,348 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,630,000 | 1,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $886,000 | 489 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,630,000 | 1,328 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,898,000 | 2,149 |
| Total interest expense | $2,341,000 | 2,044 |
| Net interest income | $2,557,000 | 2,251 |
| Provision for loan and lease losses | $481,000 | 546 |
| Total noninterest income | $2,348,000 | 659 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $66,000 | 4,317 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,282,000 | 455 |
| Total noninterest expense | $2,637,000 | 1,761 |
| Salaries and employee benefits | $1,487,000 | 1,746 |
| Premises and equipment expense | $443,000 | 1,510 |
| Additional noninterest expense | $707,000 | 1,881 |
| Pre-tax net operating income | $1,787,000 | 1,310 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $752,000 | 921 |
| Income before extraordinary items | $1,035,000 | 1,663 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,035,000 | 1,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 545 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,035,000 | 1,653 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,289,000 | 2,385 |
| Total interest expense | $7,710,000 | 2,106 |
| Net interest income | $8,579,000 | 2,627 |
| Provision for loan and lease losses | $2,345,000 | 488 |
| Total noninterest income | $7,901,000 | 744 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $263,000 | 4,388 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,638,000 | 496 |
| Total noninterest expense | $10,554,000 | 1,687 |
| Salaries and employee benefits | $5,290,000 | 1,841 |
| Premises and equipment expense | $1,514,000 | 1,683 |
| Additional noninterest expense | $3,750,000 | 1,412 |
| Pre-tax net operating income | $3,581,000 | 2,443 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,499,000 | 1,667 |
| Income before extraordinary items | $2,082,000 | 3,012 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,082,000 | 3,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $842,000 | 801 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,082,000 | 3,010 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,504,000 | 2,491 |
| Total interest expense | $5,399,000 | 2,181 |
| Net interest income | $6,105,000 | 2,742 |
| Provision for loan and lease losses | $1,695,000 | 475 |
| Total noninterest income | $5,782,000 | 779 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $195,000 | 4,446 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,587,000 | 517 |
| Total noninterest expense | $7,532,000 | 1,764 |
| Salaries and employee benefits | $3,631,000 | 2,004 |
| Premises and equipment expense | $1,108,000 | 1,724 |
| Additional noninterest expense | $2,793,000 | 1,419 |
| Pre-tax net operating income | $2,660,000 | 2,535 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,112,000 | 1,753 |
| Income before extraordinary items | $1,548,000 | 3,139 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,548,000 | 3,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $604,000 | 689 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,548,000 | 3,127 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,024,000 | 2,644 |
| Total interest expense | $3,213,000 | 2,296 |
| Net interest income | $3,811,000 | 2,908 |
| Provision for loan and lease losses | $1,068,000 | 479 |
| Total noninterest income | $3,873,000 | 774 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $731,000 | 1,215 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,142,000 | 580 |
| Total noninterest expense | $4,878,000 | 1,827 |
| Salaries and employee benefits | $2,198,000 | 2,231 |
| Premises and equipment expense | $701,000 | 1,801 |
| Additional noninterest expense | $1,979,000 | 1,353 |
| Pre-tax net operating income | $1,738,000 | 2,576 |
| Securities gains (losses) | $1,000 | 1,053 |
| Applicable income taxes | $725,000 | 1,802 |
| Income before extraordinary items | $1,014,000 | 3,178 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,014,000 | 3,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $402,000 | 668 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,013,360 | 3,171 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,995,000 | 2,974 |
| Total interest expense | $1,352,000 | 2,544 |
| Net interest income | $1,643,000 | 3,292 |
| Provision for loan and lease losses | $378,000 | 635 |
| Total noninterest income | $1,486,000 | 943 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $221,000 | 1,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,265,000 | 674 |
| Total noninterest expense | $2,304,000 | 1,934 |
| Salaries and employee benefits | $1,024,000 | 2,403 |
| Premises and equipment expense | $333,000 | 1,899 |
| Additional noninterest expense | $947,000 | 1,395 |
| Pre-tax net operating income | $447,000 | 4,009 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $186,000 | 2,707 |
| Income before extraordinary items | $262,000 | 4,758 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $262,000 | 4,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 605 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $261,360 | 4,740 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,254,000 | 5,646 |
| Total interest expense | $1,212,000 | 5,786 |
| Net interest income | $3,042,000 | 5,466 |
| Provision for loan and lease losses | $833,000 | 1,221 |
| Total noninterest income | $1,450,000 | 2,745 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $175,000 | 5,326 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,275,000 | 1,873 |
| Total noninterest expense | $3,659,000 | 4,148 |
| Salaries and employee benefits | $1,459,000 | 5,138 |
| Premises and equipment expense | $506,000 | 4,141 |
| Additional noninterest expense | $1,694,000 | 2,928 |
| Pre-tax net operating income | $0 | 8,246 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $0 | 8,280 |
| Extraordinary gains, net | $41,000 | 31 |
| Net income | $41,000 | 8,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $840,000 | 779 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $18,086,000 | 82 |
| Net operating income | $0 | 8,254 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,062,000 | 6,795 |
| Total interest expense | $445,000 | 7,300 |
| Net interest income | $1,617,000 | 6,464 |
| Provision for loan and lease losses | $352,000 | 1,927 |
| Total noninterest income | $412,000 | 5,043 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $92,000 | 6,004 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $320,000 | 3,688 |
| Total noninterest expense | $1,644,000 | 5,758 |
| Salaries and employee benefits | $614,000 | 6,864 |
| Premises and equipment expense | $429,000 | 3,776 |
| Additional noninterest expense | $601,000 | 5,118 |
| Pre-tax net operating income | $33,000 | 8,243 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $62,000 | 5,641 |
| Income before extraordinary items | $-29,000 | 8,385 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-29,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 1,475 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $18,086,000 | 62 |
| Net operating income | $-29,000 | 8,359 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,495,000 | 4,042 |
| Total interest expense | $722,000 | 5,054 |
| Net interest income | $2,773,000 | 3,628 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $3,342,000 | 848 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $156,000 | 4,066 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,186,000 | 573 |
| Total noninterest expense | $2,982,000 | 2,709 |
| Salaries and employee benefits | $1,289,000 | 3,364 |
| Premises and equipment expense | $261,000 | 4,016 |
| Additional noninterest expense | $1,432,000 | 1,725 |
| Pre-tax net operating income | $3,033,000 | 1,534 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,298,000 | 1,075 |
| Income before extraordinary items | $1,735,000 | 1,965 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,735,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 846 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,735,000 | 1,925 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,795,000 | 3,929 |
| Total interest expense | $338,000 | 5,148 |
| Net interest income | $1,457,000 | 3,481 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $1,266,000 | 1,041 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $65,000 | 4,425 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,201,000 | 697 |
| Total noninterest expense | $1,213,000 | 3,289 |
| Salaries and employee benefits | $472,000 | 4,274 |
| Premises and equipment expense | $128,000 | 4,125 |
| Additional noninterest expense | $613,000 | 1,996 |
| Pre-tax net operating income | $1,410,000 | 1,602 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $592,000 | 1,167 |
| Income before extraordinary items | $818,000 | 2,043 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $818,000 | 2,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 816 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $818,000 | 2,012 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,277,000 | 4,123 |
| Total interest expense | $1,027,000 | 5,572 |
| Net interest income | $5,250,000 | 3,667 |
| Provision for loan and lease losses | $562,000 | 1,771 |
| Total noninterest income | $3,563,000 | 1,404 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $937,000 | 1,868 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,626,000 | 1,087 |
| Total noninterest expense | $4,344,000 | 3,505 |
| Salaries and employee benefits | $1,744,000 | 4,440 |
| Premises and equipment expense | $510,000 | 4,025 |
| Additional noninterest expense | $2,090,000 | 2,323 |
| Pre-tax net operating income | $3,907,000 | 2,102 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,637,000 | 1,508 |
| Income before extraordinary items | $2,270,000 | 2,625 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,270,000 | 2,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 1,346 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,270,000 | 2,574 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,253,000 | 4,413 |
| Total interest expense | $701,000 | 5,821 |
| Net interest income | $3,552,000 | 3,959 |
| Provision for loan and lease losses | $384,000 | 1,842 |
| Total noninterest income | $2,483,000 | 1,489 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $849,000 | 1,557 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,634,000 | 1,241 |
| Total noninterest expense | $3,087,000 | 3,624 |
| Salaries and employee benefits | $1,276,000 | 4,473 |
| Premises and equipment expense | $380,000 | 4,024 |
| Additional noninterest expense | $1,431,000 | 2,492 |
| Pre-tax net operating income | $2,564,000 | 2,334 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,073,000 | 1,672 |
| Income before extraordinary items | $1,491,000 | 2,966 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,491,000 | 2,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,299 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,491,000 | 2,886 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,644,000 | 4,644 |
| Total interest expense | $422,000 | 6,132 |
| Net interest income | $2,222,000 | 4,158 |
| Provision for loan and lease losses | $249,000 | 1,856 |
| Total noninterest income | $1,205,000 | 1,918 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $202,000 | 3,621 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,003,000 | 1,315 |
| Total noninterest expense | $1,970,000 | 3,783 |
| Salaries and employee benefits | $789,000 | 4,770 |
| Premises and equipment expense | $248,000 | 4,102 |
| Additional noninterest expense | $933,000 | 2,547 |
| Pre-tax net operating income | $1,208,000 | 3,094 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $504,000 | 2,191 |
| Income before extraordinary items | $704,000 | 3,832 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $704,000 | 3,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 1,492 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $704,000 | 3,746 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,287,000 | 4,756 |
| Total interest expense | $181,000 | 6,600 |
| Net interest income | $1,106,000 | 4,166 |
| Provision for loan and lease losses | $140,000 | 1,616 |
| Total noninterest income | $534,000 | 2,056 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $89,000 | 3,861 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $445,000 | 1,405 |
| Total noninterest expense | $979,000 | 3,823 |
| Salaries and employee benefits | $401,000 | 4,728 |
| Premises and equipment expense | $127,000 | 4,055 |
| Additional noninterest expense | $451,000 | 2,602 |
| Pre-tax net operating income | $521,000 | 3,411 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $217,000 | 2,435 |
| Income before extraordinary items | $304,000 | 4,235 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $304,000 | 4,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,385 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $304,000 | 4,108 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,887,000 | 4,970 |
| Total interest expense | $767,000 | 6,817 |
| Net interest income | $4,120,000 | 4,274 |
| Provision for loan and lease losses | $311,000 | 3,083 |
| Total noninterest income | $1,571,000 | 2,754 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $512,000 | 3,032 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,059,000 | 2,304 |
| Total noninterest expense | $3,845,000 | 3,824 |
| Salaries and employee benefits | $1,485,000 | 4,876 |
| Premises and equipment expense | $486,000 | 4,161 |
| Additional noninterest expense | $1,874,000 | 2,547 |
| Pre-tax net operating income | $1,535,000 | 4,070 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $557,000 | 3,202 |
| Income before extraordinary items | $978,000 | 4,701 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $978,000 | 4,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,333 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $978,000 | 4,532 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,490,000 | 5,200 |
| Total interest expense | $588,000 | 6,901 |
| Net interest income | $2,902,000 | 4,488 |
| Provision for loan and lease losses | $163,000 | 3,753 |
| Total noninterest income | $1,048,000 | 3,039 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $381,000 | 3,061 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $667,000 | 2,656 |
| Total noninterest expense | $2,801,000 | 3,892 |
| Salaries and employee benefits | $1,033,000 | 5,136 |
| Premises and equipment expense | $353,000 | 4,239 |
| Additional noninterest expense | $1,415,000 | 2,524 |
| Pre-tax net operating income | $986,000 | 4,580 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $413,000 | 3,357 |
| Income before extraordinary items | $573,000 | 5,519 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $573,000 | 5,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,556 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $573,000 | 5,327 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,228,000 | 5,372 |
| Total interest expense | $404,000 | 6,953 |
| Net interest income | $1,824,000 | 4,674 |
| Provision for loan and lease losses | $35,000 | 5,611 |
| Total noninterest income | $733,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $275,000 | 2,846 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $458,000 | 2,579 |
| Total noninterest expense | $1,789,000 | 4,018 |
| Salaries and employee benefits | $656,000 | 5,318 |
| Premises and equipment expense | $219,000 | 4,445 |
| Additional noninterest expense | $914,000 | 2,578 |
| Pre-tax net operating income | $733,000 | 4,305 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $307,000 | 3,206 |
| Income before extraordinary items | $426,000 | 5,246 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $426,000 | 5,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,864 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $426,000 | 5,042 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,055,000 | 5,594 |
| Total interest expense | $204,000 | 7,023 |
| Net interest income | $851,000 | 4,870 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $349,000 | 2,918 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $161,000 | 2,444 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $188,000 | 2,829 |
| Total noninterest expense | $915,000 | 3,942 |
| Salaries and employee benefits | $362,000 | 4,964 |
| Premises and equipment expense | $116,000 | 4,277 |
| Additional noninterest expense | $437,000 | 2,639 |
| Pre-tax net operating income | $285,000 | 4,922 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $120,000 | 3,625 |
| Income before extraordinary items | $165,000 | 5,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $165,000 | 5,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $165,000 | 5,598 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,798,000 | 6,070 |
| Total interest expense | $957,000 | 7,047 |
| Net interest income | $2,841,000 | 5,469 |
| Provision for loan and lease losses | $50,000 | 6,677 |
| Total noninterest income | $1,510,000 | 2,605 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $340,000 | 3,948 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,170,000 | 1,968 |
| Total noninterest expense | $2,809,000 | 4,672 |
| Salaries and employee benefits | $1,205,000 | 5,475 |
| Premises and equipment expense | $396,000 | 4,690 |
| Additional noninterest expense | $1,208,000 | 3,593 |
| Pre-tax net operating income | $1,492,000 | 4,133 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $539,000 | 3,317 |
| Income before extraordinary items | $953,000 | 4,727 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $953,000 | 4,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 9,160 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $953,000 | 4,606 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,488,000 | 5,974 |
| Total interest expense | $1,584,000 | 6,815 |
| Net interest income | $2,904,000 | 5,183 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $582,000 | 4,663 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $363,000 | 3,670 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $219,000 | 4,749 |
| Total noninterest expense | $2,737,000 | 4,650 |
| Salaries and employee benefits | $1,533,000 | 4,440 |
| Premises and equipment expense | $289,000 | 5,640 |
| Additional noninterest expense | $915,000 | 4,351 |
| Pre-tax net operating income | $689,000 | 5,869 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $164,000 | 5,317 |
| Income before extraordinary items | $525,000 | 5,950 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $525,000 | 5,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $2,002,000 | 302 |
| Net operating income | $525,000 | 5,840 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,144,000 | 5,642 |
| Total interest expense | $1,875,000 | 6,468 |
| Net interest income | $3,269,000 | 4,851 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $1,304,000 | 2,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 3,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $967,000 | 1,899 |
| Total noninterest expense | $3,335,000 | 3,867 |
| Salaries and employee benefits | $1,748,000 | 3,863 |
| Premises and equipment expense | $340,000 | 5,036 |
| Additional noninterest expense | $1,247,000 | 3,303 |
| Pre-tax net operating income | $1,118,000 | 4,949 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $465,000 | 3,651 |
| Income before extraordinary items | $653,000 | 5,602 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $653,000 | 5,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,979 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $188,000 | 646 |
| Net operating income | $653,000 | 5,613 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,163,000 | 6,225 |
| Total interest expense | $1,765,000 | 6,431 |
| Net interest income | $2,398,000 | 5,956 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $1,177,000 | 2,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $367,000 | 3,436 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $810,000 | 2,146 |
| Total noninterest expense | $3,038,000 | 4,165 |
| Salaries and employee benefits | $1,662,000 | 4,002 |
| Premises and equipment expense | $370,000 | 4,775 |
| Additional noninterest expense | $1,006,000 | 4,009 |
| Pre-tax net operating income | $507,000 | 7,108 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $507,000 | 6,389 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $507,000 | 6,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 9,822 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $448,000 | 623 |
| Net operating income | $507,000 | 6,365 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,934,000 | 6,536 |
| Total interest expense | $1,888,000 | 6,374 |
| Net interest income | $2,046,000 | 6,587 |
| Provision for loan and lease losses | $62,000 | 6,072 |
| Total noninterest income | $1,263,000 | 2,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 3,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $950,000 | 1,930 |
| Total noninterest expense | $2,870,000 | 4,285 |
| Salaries and employee benefits | $1,417,000 | 4,459 |
| Premises and equipment expense | $387,000 | 4,543 |
| Additional noninterest expense | $1,066,000 | 3,735 |
| Pre-tax net operating income | $377,000 | 7,997 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $377,000 | 7,356 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $377,000 | 7,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,124 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 826 |
| Net operating income | $377,000 | 7,278 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,800,000 | 6,850 |
| Total interest expense | $1,812,000 | 6,658 |
| Net interest income | $1,988,000 | 6,937 |
| Provision for loan and lease losses | $34,000 | 7,270 |
| Total noninterest income | $1,274,000 | 2,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,061,000 | 1,678 |
| Total noninterest expense | $2,804,000 | 4,328 |
| Salaries and employee benefits | $1,451,000 | 4,364 |
| Premises and equipment expense | $376,000 | 4,655 |
| Additional noninterest expense | $977,000 | 3,996 |
| Pre-tax net operating income | $424,000 | 8,314 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $424,000 | 7,483 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $424,000 | 7,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,067 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,010 |
| Net operating income | $424,000 | 7,434 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,706,000 | 7,147 |
| Total interest expense | $1,755,000 | 6,948 |
| Net interest income | $1,951,000 | 7,250 |
| Provision for loan and lease losses | $280,000 | 2,725 |
| Total noninterest income | $1,622,000 | 2,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $220,000 | 5,226 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,402,000 | 1,437 |
| Total noninterest expense | $2,922,000 | 4,383 |
| Salaries and employee benefits | $1,239,000 | 5,064 |
| Premises and equipment expense | $367,000 | 4,862 |
| Additional noninterest expense | $1,316,000 | 3,492 |
| Pre-tax net operating income | $371,000 | 8,683 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $371,000 | 7,854 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $371,000 | 7,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $589,000 | 1,255 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $371,000 | 7,791 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,847,000 | 7,164 |
| Total interest expense | $1,760,000 | 6,992 |
| Net interest income | $2,087,000 | 7,110 |
| Provision for loan and lease losses | $945,000 | 987 |
| Total noninterest income | $1,557,000 | 2,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,348,000 | 1,460 |
| Total noninterest expense | $3,239,000 | 4,022 |
| Salaries and employee benefits | $1,221,000 | 5,138 |
| Premises and equipment expense | $437,000 | 4,211 |
| Additional noninterest expense | $1,581,000 | 2,962 |
| Pre-tax net operating income | $-540,000 | 11,807 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-540,000 | 11,806 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-540,000 | 11,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,027,000 | 872 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-540,000 | 11,799 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,116,000 | 6,558 |
| Total interest expense | $1,644,000 | 6,488 |
| Net interest income | $2,472,000 | 6,535 |
| Provision for loan and lease losses | $876,000 | 1,019 |
| Total noninterest income | $2,670,000 | 1,484 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 6,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,480,000 | 996 |
| Total noninterest expense | $3,710,000 | 3,653 |
| Salaries and employee benefits | $1,528,000 | 4,219 |
| Premises and equipment expense | $505,000 | 3,773 |
| Additional noninterest expense | $1,677,000 | 3,001 |
| Pre-tax net operating income | $556,000 | 8,272 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $40,000 | 10,689 |
| Income before extraordinary items | $516,000 | 7,182 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $516,000 | 7,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,104,000 | 814 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $516,000 | 7,215 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,747,000 | 7,202 |
| Total interest expense | $1,522,000 | 7,140 |
| Net interest income | $2,225,000 | 7,111 |
| Provision for loan and lease losses | $1,303,000 | 1,098 |
| Total noninterest income | $4,169,000 | 1,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,915,000 | 813 |
| Total noninterest expense | $4,589,000 | 3,061 |
| Salaries and employee benefits | $1,936,000 | 3,375 |
| Premises and equipment expense | $441,000 | 4,332 |
| Additional noninterest expense | $2,212,000 | 2,509 |
| Pre-tax net operating income | $502,000 | 8,647 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $28,000 | 11,440 |
| Income before extraordinary items | $474,000 | 7,755 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $474,000 | 7,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,221,000 | 989 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,209 |
| Net operating income | $474,000 | 7,495 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,717,000 | 7,881 |
| Total interest expense | $1,642,000 | 8,073 |
| Net interest income | $2,075,000 | 7,558 |
| Provision for loan and lease losses | $1,421,000 | 1,458 |
| Total noninterest income | $3,026,000 | 1,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,633 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,741,000 | 1,019 |
| Total noninterest expense | $3,842,000 | 3,631 |
| Salaries and employee benefits | $1,279,000 | 4,894 |
| Premises and equipment expense | $596,000 | 3,381 |
| Additional noninterest expense | $1,967,000 | 2,843 |
| Pre-tax net operating income | $-162,000 | 13,036 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $4,000 | 12,540 |
| Income before extraordinary items | $-166,000 | 13,141 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-166,000 | 13,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $987,000 | 1,573 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $224,000 | 706 |
| Net operating income | $-166,000 | 13,011 |
* 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.