Home > Lawrenceburg Bank and Trust Company > Income and Expense
Lawrenceburg Bank and Trust Company, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,916,000 | 2,721 |
| Total interest expense | $1,274,000 | 1,824 |
| Net interest income | $1,642,000 | 3,300 |
| Provision for loan and lease losses | $185,000 | 3,103 |
| Total noninterest income | $268,000 | 3,086 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $193,000 | 1,930 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $75,000 | 4,016 |
| Total noninterest expense | $1,470,000 | 3,201 |
| Salaries and employee benefits | $592,000 | 3,872 |
| Premises and equipment expense | $155,000 | 3,807 |
| Additional noninterest expense | $723,000 | 2,329 |
| Pre-tax net operating income | $255,000 | 3,659 |
| Securities gains (losses) | $265,000 | 423 |
| Applicable income taxes | $148,000 | 1,746 |
| Income before extraordinary items | $372,000 | 2,689 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $372,000 | 2,687 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $372,000 | 2,690 |
| Net charge-offs | $185,000 | 2,514 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $181,200 | 3,955 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,411,000 | 2,656 |
| Total interest expense | $6,312,000 | 1,844 |
| Net interest income | $6,099,000 | 3,415 |
| Provision for loan and lease losses | $1,124,000 | 3,314 |
| Total noninterest income | $1,223,000 | 2,940 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $892,000 | 1,864 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $331,000 | 3,844 |
| Total noninterest expense | $5,718,000 | 3,298 |
| Salaries and employee benefits | $2,441,000 | 3,760 |
| Premises and equipment expense | $604,000 | 3,856 |
| Additional noninterest expense | $2,673,000 | 2,593 |
| Pre-tax net operating income | $480,000 | 4,045 |
| Securities gains (losses) | $562,000 | 810 |
| Applicable income taxes | $121,000 | 2,751 |
| Income before extraordinary items | $921,000 | 2,905 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $921,000 | 2,903 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $921,000 | 2,905 |
| Net charge-offs | $699,000 | 3,351 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,327 |
| Net operating income | $426,440 | 4,022 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,359,000 | 2,683 |
| Total interest expense | $4,891,000 | 1,865 |
| Net interest income | $4,468,000 | 3,487 |
| Provision for loan and lease losses | $810,000 | 3,086 |
| Total noninterest income | $939,000 | 2,934 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $667,000 | 1,879 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $272,000 | 3,765 |
| Total noninterest expense | $4,252,000 | 3,337 |
| Salaries and employee benefits | $1,827,000 | 3,799 |
| Premises and equipment expense | $455,000 | 3,882 |
| Additional noninterest expense | $1,970,000 | 2,606 |
| Pre-tax net operating income | $345,000 | 4,373 |
| Securities gains (losses) | $562,000 | 635 |
| Applicable income taxes | $138,000 | 2,635 |
| Income before extraordinary items | $769,000 | 2,934 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $769,000 | 2,932 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $769,000 | 2,935 |
| Net charge-offs | $533,000 | 2,947 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,223 |
| Net operating income | $291,300 | 4,393 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,217,000 | 2,730 |
| Total interest expense | $3,316,000 | 1,919 |
| Net interest income | $2,901,000 | 3,553 |
| Provision for loan and lease losses | $515,000 | 2,932 |
| Total noninterest income | $598,000 | 3,050 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $440,000 | 1,868 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $158,000 | 4,010 |
| Total noninterest expense | $2,886,000 | 3,327 |
| Salaries and employee benefits | $1,222,000 | 3,835 |
| Premises and equipment expense | $308,000 | 3,857 |
| Additional noninterest expense | $1,356,000 | 2,550 |
| Pre-tax net operating income | $98,000 | 5,234 |
| Securities gains (losses) | $562,000 | 463 |
| Applicable income taxes | $99,000 | 2,637 |
| Income before extraordinary items | $561,000 | 2,886 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $561,000 | 2,885 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $561,000 | 2,886 |
| Net charge-offs | $414,000 | 2,562 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,182 |
| Net operating income | $83,300 | 5,248 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,138,000 | 2,736 |
| Total interest expense | $1,673,000 | 1,980 |
| Net interest income | $1,465,000 | 3,516 |
| Provision for loan and lease losses | $222,000 | 2,722 |
| Total noninterest income | $278,000 | 3,156 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $214,000 | 1,856 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $64,000 | 4,408 |
| Total noninterest expense | $1,369,000 | 3,384 |
| Salaries and employee benefits | $609,000 | 3,880 |
| Premises and equipment expense | $151,000 | 3,954 |
| Additional noninterest expense | $609,000 | 2,529 |
| Pre-tax net operating income | $152,000 | 4,491 |
| Securities gains (losses) | $176,000 | 722 |
| Applicable income taxes | $71,000 | 2,539 |
| Income before extraordinary items | $257,000 | 3,394 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $257,000 | 3,394 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $257,000 | 3,395 |
| Net charge-offs | $200,000 | 2,133 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $119,720 | 4,535 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,222,000 | 2,785 |
| Total interest expense | $6,852,000 | 2,233 |
| Net interest income | $6,370,000 | 3,316 |
| Provision for loan and lease losses | $551,000 | 3,660 |
| Total noninterest income | $1,458,000 | 2,681 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,162,000 | 1,540 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $296,000 | 4,131 |
| Total noninterest expense | $5,294,000 | 3,414 |
| Salaries and employee benefits | $2,375,000 | 3,927 |
| Premises and equipment expense | $590,000 | 3,994 |
| Additional noninterest expense | $2,329,000 | 2,488 |
| Pre-tax net operating income | $1,983,000 | 2,463 |
| Securities gains (losses) | $-2,680,000 | 7,964 |
| Applicable income taxes | $-386,000 | 7,400 |
| Income before extraordinary items | $-311,000 | 6,578 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-311,000 | 6,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 3,837 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,369 |
| Net operating income | $1,404,200 | 2,782 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,990,000 | 2,819 |
| Total interest expense | $5,151,000 | 2,321 |
| Net interest income | $4,839,000 | 3,305 |
| Provision for loan and lease losses | $373,000 | 3,191 |
| Total noninterest income | $1,102,000 | 2,730 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $883,000 | 1,529 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $219,000 | 4,251 |
| Total noninterest expense | $3,913,000 | 3,444 |
| Salaries and employee benefits | $1,796,000 | 3,934 |
| Premises and equipment expense | $442,000 | 3,992 |
| Additional noninterest expense | $1,675,000 | 2,521 |
| Pre-tax net operating income | $1,655,000 | 2,644 |
| Securities gains (losses) | $-2,538,000 | 8,101 |
| Applicable income taxes | $69,000 | 3,891 |
| Income before extraordinary items | $-952,000 | 7,481 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-952,000 | 7,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 3,182 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,220 |
| Net operating income | $1,586,000 | 2,328 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,736,000 | 2,825 |
| Total interest expense | $3,550,000 | 2,341 |
| Net interest income | $3,186,000 | 3,328 |
| Provision for loan and lease losses | $266,000 | 2,733 |
| Total noninterest income | $733,000 | 2,764 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $578,000 | 1,537 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $155,000 | 4,257 |
| Total noninterest expense | $2,586,000 | 3,468 |
| Salaries and employee benefits | $1,178,000 | 4,015 |
| Premises and equipment expense | $287,000 | 4,090 |
| Additional noninterest expense | $1,121,000 | 2,480 |
| Pre-tax net operating income | $1,067,000 | 2,810 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $301,000 | 2,208 |
| Income before extraordinary items | $766,000 | 3,136 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $766,000 | 3,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,614 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,122 |
| Net operating income | $766,000 | 3,075 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,389,000 | 2,877 |
| Total interest expense | $1,777,000 | 2,469 |
| Net interest income | $1,612,000 | 3,299 |
| Provision for loan and lease losses | $104,000 | 2,670 |
| Total noninterest income | $346,000 | 2,850 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $310,000 | 1,409 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $36,000 | 5,627 |
| Total noninterest expense | $1,309,000 | 3,457 |
| Salaries and employee benefits | $614,000 | 3,903 |
| Premises and equipment expense | $147,000 | 4,044 |
| Additional noninterest expense | $548,000 | 2,507 |
| Pre-tax net operating income | $545,000 | 2,899 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $151,000 | 2,312 |
| Income before extraordinary items | $394,000 | 3,223 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $394,000 | 3,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,218 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 981 |
| Net operating income | $394,000 | 3,145 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,957,000 | 3,294 |
| Total interest expense | $5,757,000 | 3,106 |
| Net interest income | $6,200,000 | 3,419 |
| Provision for loan and lease losses | $297,000 | 3,225 |
| Total noninterest income | $1,251,000 | 3,054 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,097,000 | 1,632 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $154,000 | 5,533 |
| Total noninterest expense | $5,067,000 | 3,408 |
| Salaries and employee benefits | $2,427,000 | 3,810 |
| Premises and equipment expense | $569,000 | 3,983 |
| Additional noninterest expense | $2,071,000 | 2,581 |
| Pre-tax net operating income | $2,087,000 | 3,230 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $629,000 | 2,443 |
| Income before extraordinary items | $1,458,000 | 3,514 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,458,000 | 3,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 1,747 |
| Cash dividends | $2,138,000 | 1,534 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,283 |
| Net operating income | $1,458,000 | 3,501 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,767,000 | 3,364 |
| Total interest expense | $4,174,000 | 3,195 |
| Net interest income | $4,593,000 | 3,459 |
| Provision for loan and lease losses | $11,000 | 6,130 |
| Total noninterest income | $916,000 | 3,096 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $801,000 | 1,648 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $115,000 | 5,553 |
| Total noninterest expense | $3,771,000 | 3,408 |
| Salaries and employee benefits | $1,762,000 | 3,885 |
| Premises and equipment expense | $424,000 | 3,991 |
| Additional noninterest expense | $1,585,000 | 2,494 |
| Pre-tax net operating income | $1,727,000 | 3,169 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $530,000 | 2,458 |
| Income before extraordinary items | $1,197,000 | 3,469 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,197,000 | 3,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,430 |
| Cash dividends | $2,138,000 | 1,154 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,131 |
| Net operating income | $1,197,000 | 3,456 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,817,000 | 3,390 |
| Total interest expense | $2,800,000 | 3,173 |
| Net interest income | $3,017,000 | 3,513 |
| Provision for loan and lease losses | $-19,000 | 8,380 |
| Total noninterest income | $585,000 | 3,207 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $517,000 | 1,702 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $68,000 | 5,796 |
| Total noninterest expense | $2,507,000 | 3,432 |
| Salaries and employee benefits | $1,170,000 | 3,926 |
| Premises and equipment expense | $285,000 | 3,982 |
| Additional noninterest expense | $1,052,000 | 2,519 |
| Pre-tax net operating income | $1,114,000 | 3,284 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $339,000 | 2,584 |
| Income before extraordinary items | $775,000 | 3,596 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $775,000 | 3,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,129 |
| Cash dividends | $2,138,000 | 830 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,025 |
| Net operating income | $775,000 | 3,567 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,850,000 | 3,420 |
| Total interest expense | $1,388,000 | 3,189 |
| Net interest income | $1,462,000 | 3,613 |
| Provision for loan and lease losses | $-183,000 | 8,577 |
| Total noninterest income | $274,000 | 3,317 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $245,000 | 1,739 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $29,000 | 6,041 |
| Total noninterest expense | $1,255,000 | 3,448 |
| Salaries and employee benefits | $581,000 | 3,972 |
| Premises and equipment expense | $145,000 | 3,949 |
| Additional noninterest expense | $529,000 | 2,485 |
| Pre-tax net operating income | $664,000 | 2,906 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $195,000 | 2,431 |
| Income before extraordinary items | $469,000 | 3,163 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $469,000 | 3,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 1,024 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 868 |
| Net operating income | $469,000 | 3,139 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,733,000 | 3,391 |
| Total interest expense | $4,713,000 | 3,176 |
| Net interest income | $6,020,000 | 3,513 |
| Provision for loan and lease losses | $474,000 | 2,005 |
| Total noninterest income | $1,156,000 | 3,200 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $989,000 | 1,766 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $167,000 | 5,438 |
| Total noninterest expense | $4,912,000 | 3,397 |
| Salaries and employee benefits | $2,434,000 | 3,680 |
| Premises and equipment expense | $502,000 | 4,251 |
| Additional noninterest expense | $1,976,000 | 2,595 |
| Pre-tax net operating income | $1,790,000 | 3,909 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $519,000 | 3,104 |
| Income before extraordinary items | $1,271,000 | 4,163 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,271,000 | 4,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 1,372 |
| Cash dividends | $1,507,000 | 1,913 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,139 |
| Net operating income | $1,271,000 | 4,129 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,919,000 | 3,406 |
| Total interest expense | $3,398,000 | 3,180 |
| Net interest income | $4,521,000 | 3,527 |
| Provision for loan and lease losses | $373,000 | 1,804 |
| Total noninterest income | $865,000 | 3,223 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $732,000 | 1,793 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $133,000 | 5,349 |
| Total noninterest expense | $3,574,000 | 3,471 |
| Salaries and employee benefits | $1,763,000 | 3,782 |
| Premises and equipment expense | $356,000 | 4,428 |
| Additional noninterest expense | $1,455,000 | 2,630 |
| Pre-tax net operating income | $1,439,000 | 3,879 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $441,000 | 3,039 |
| Income before extraordinary items | $998,000 | 4,169 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $998,000 | 4,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 1,081 |
| Cash dividends | $998,000 | 1,951 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 966 |
| Net operating income | $998,000 | 4,161 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,186,000 | 3,407 |
| Total interest expense | $2,174,000 | 3,172 |
| Net interest income | $3,012,000 | 3,539 |
| Provision for loan and lease losses | $161,000 | 2,475 |
| Total noninterest income | $583,000 | 3,179 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $486,000 | 1,781 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $97,000 | 5,198 |
| Total noninterest expense | $2,367,000 | 3,492 |
| Salaries and employee benefits | $1,187,000 | 3,775 |
| Premises and equipment expense | $229,000 | 4,518 |
| Additional noninterest expense | $951,000 | 2,689 |
| Pre-tax net operating income | $1,067,000 | 3,649 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $318,000 | 2,964 |
| Income before extraordinary items | $749,000 | 3,892 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $749,000 | 3,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 1,224 |
| Cash dividends | $998,000 | 1,469 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 822 |
| Net operating income | $749,000 | 3,878 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,556,000 | 3,382 |
| Total interest expense | $1,068,000 | 3,088 |
| Net interest income | $1,488,000 | 3,558 |
| Provision for loan and lease losses | $102,000 | 1,973 |
| Total noninterest income | $283,000 | 3,198 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $237,000 | 1,773 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $1,204,000 | 3,461 |
| Salaries and employee benefits | $609,000 | 3,715 |
| Premises and equipment expense | $114,000 | 4,571 |
| Additional noninterest expense | $481,000 | 2,625 |
| Pre-tax net operating income | $465,000 | 3,914 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $137,000 | 3,170 |
| Income before extraordinary items | $328,000 | 4,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $328,000 | 4,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 912 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 612 |
| Net operating income | $328,000 | 4,169 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,578,000 | 3,263 |
| Total interest expense | $3,588,000 | 2,878 |
| Net interest income | $5,990,000 | 3,423 |
| Provision for loan and lease losses | $562,000 | 1,736 |
| Total noninterest income | $1,229,000 | 3,084 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,004,000 | 1,729 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $225,000 | 4,940 |
| Total noninterest expense | $4,077,000 | 3,812 |
| Salaries and employee benefits | $1,945,000 | 4,205 |
| Premises and equipment expense | $430,000 | 4,638 |
| Additional noninterest expense | $1,702,000 | 2,915 |
| Pre-tax net operating income | $2,580,000 | 3,103 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $785,000 | 2,628 |
| Income before extraordinary items | $1,795,000 | 3,364 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,795,000 | 3,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $636,000 | 961 |
| Cash dividends | $1,221,000 | 2,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,795,000 | 3,333 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,075,000 | 3,253 |
| Total interest expense | $2,580,000 | 2,858 |
| Net interest income | $4,495,000 | 3,415 |
| Provision for loan and lease losses | $363,000 | 1,860 |
| Total noninterest income | $949,000 | 3,015 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $762,000 | 1,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $187,000 | 4,754 |
| Total noninterest expense | $3,034,000 | 3,809 |
| Salaries and employee benefits | $1,451,000 | 4,192 |
| Premises and equipment expense | $319,000 | 4,640 |
| Additional noninterest expense | $1,264,000 | 2,907 |
| Pre-tax net operating income | $2,047,000 | 3,001 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $623,000 | 2,576 |
| Income before extraordinary items | $1,424,000 | 3,263 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,424,000 | 3,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 836 |
| Cash dividends | $345,000 | 3,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,424,000 | 3,228 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,631,000 | 3,228 |
| Total interest expense | $1,633,000 | 2,845 |
| Net interest income | $2,998,000 | 3,405 |
| Provision for loan and lease losses | $300,000 | 1,505 |
| Total noninterest income | $615,000 | 3,038 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $495,000 | 1,702 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $120,000 | 4,809 |
| Total noninterest expense | $1,958,000 | 3,876 |
| Salaries and employee benefits | $934,000 | 4,292 |
| Premises and equipment expense | $206,000 | 4,727 |
| Additional noninterest expense | $818,000 | 2,967 |
| Pre-tax net operating income | $1,355,000 | 2,968 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $402,000 | 2,607 |
| Income before extraordinary items | $953,000 | 3,209 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $953,000 | 3,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 1,083 |
| Cash dividends | $345,000 | 2,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $953,000 | 3,161 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,313,000 | 3,206 |
| Total interest expense | $790,000 | 2,817 |
| Net interest income | $1,523,000 | 3,365 |
| Provision for loan and lease losses | $20,000 | 4,626 |
| Total noninterest income | $285,000 | 3,166 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $243,000 | 1,686 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,556 |
| Total noninterest expense | $976,000 | 3,910 |
| Salaries and employee benefits | $461,000 | 4,352 |
| Premises and equipment expense | $102,000 | 4,794 |
| Additional noninterest expense | $413,000 | 2,939 |
| Pre-tax net operating income | $812,000 | 2,542 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $246,000 | 2,295 |
| Income before extraordinary items | $566,000 | 2,743 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $566,000 | 2,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 798 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $566,000 | 2,693 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,073,000 | 3,392 |
| Total interest expense | $2,677,000 | 2,892 |
| Net interest income | $5,396,000 | 3,585 |
| Provision for loan and lease losses | $428,000 | 2,242 |
| Total noninterest income | $1,272,000 | 3,004 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,024,000 | 1,722 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $248,000 | 4,659 |
| Total noninterest expense | $3,745,000 | 3,949 |
| Salaries and employee benefits | $1,806,000 | 4,332 |
| Premises and equipment expense | $402,000 | 4,744 |
| Additional noninterest expense | $1,537,000 | 3,070 |
| Pre-tax net operating income | $2,495,000 | 3,019 |
| Securities gains (losses) | $-15,000 | 8,316 |
| Applicable income taxes | $733,000 | 2,679 |
| Income before extraordinary items | $1,747,000 | 3,250 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,747,000 | 3,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 1,566 |
| Cash dividends | $879,000 | 2,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,757,500 | 3,180 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,937,000 | 3,415 |
| Total interest expense | $1,922,000 | 2,937 |
| Net interest income | $4,015,000 | 3,590 |
| Provision for loan and lease losses | $269,000 | 2,476 |
| Total noninterest income | $972,000 | 2,986 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $779,000 | 1,704 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $193,000 | 4,573 |
| Total noninterest expense | $2,818,000 | 3,899 |
| Salaries and employee benefits | $1,366,000 | 4,274 |
| Premises and equipment expense | $300,000 | 4,749 |
| Additional noninterest expense | $1,152,000 | 3,052 |
| Pre-tax net operating income | $1,900,000 | 3,008 |
| Securities gains (losses) | $-15,000 | 8,589 |
| Applicable income taxes | $557,000 | 2,709 |
| Income before extraordinary items | $1,328,000 | 3,290 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,328,000 | 3,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,591 |
| Cash dividends | $574,000 | 2,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,338,500 | 3,180 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,929,000 | 3,429 |
| Total interest expense | $1,254,000 | 2,978 |
| Net interest income | $2,675,000 | 3,577 |
| Provision for loan and lease losses | $160,000 | 2,593 |
| Total noninterest income | $624,000 | 3,088 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $517,000 | 1,692 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $107,000 | 5,031 |
| Total noninterest expense | $1,834,000 | 4,015 |
| Salaries and employee benefits | $891,000 | 4,355 |
| Premises and equipment expense | $186,000 | 5,013 |
| Additional noninterest expense | $757,000 | 3,096 |
| Pre-tax net operating income | $1,305,000 | 2,906 |
| Securities gains (losses) | $-15,000 | 8,750 |
| Applicable income taxes | $383,000 | 2,639 |
| Income before extraordinary items | $907,000 | 3,196 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $907,000 | 3,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,630 |
| Cash dividends | $574,000 | 1,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $917,500 | 3,065 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,942,000 | 3,464 |
| Total interest expense | $628,000 | 3,011 |
| Net interest income | $1,314,000 | 3,621 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $309,000 | 3,045 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $245,000 | 1,736 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $64,000 | 4,614 |
| Total noninterest expense | $920,000 | 4,021 |
| Salaries and employee benefits | $448,000 | 4,367 |
| Premises and equipment expense | $95,000 | 4,969 |
| Additional noninterest expense | $377,000 | 3,070 |
| Pre-tax net operating income | $653,000 | 2,864 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $197,000 | 2,609 |
| Income before extraordinary items | $456,000 | 3,162 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $456,000 | 3,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,240 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $456,000 | 3,044 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,552,000 | 3,591 |
| Total interest expense | $2,753,000 | 3,099 |
| Net interest income | $4,799,000 | 3,800 |
| Provision for loan and lease losses | $388,000 | 2,652 |
| Total noninterest income | $1,220,000 | 3,267 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $938,000 | 1,847 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $282,000 | 4,633 |
| Total noninterest expense | $3,379,000 | 4,241 |
| Salaries and employee benefits | $1,708,000 | 4,426 |
| Premises and equipment expense | $364,000 | 5,044 |
| Additional noninterest expense | $1,307,000 | 3,474 |
| Pre-tax net operating income | $2,252,000 | 3,114 |
| Securities gains (losses) | $79,000 | 2,105 |
| Applicable income taxes | $712,000 | 2,763 |
| Income before extraordinary items | $1,619,000 | 3,363 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,619,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,772 |
| Cash dividends | $2,430,000 | 1,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,564,490 | 3,287 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,642,000 | 3,647 |
| Total interest expense | $2,106,000 | 3,141 |
| Net interest income | $3,536,000 | 3,875 |
| Provision for loan and lease losses | $258,000 | 2,807 |
| Total noninterest income | $922,000 | 3,312 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $697,000 | 1,853 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $225,000 | 4,563 |
| Total noninterest expense | $2,570,000 | 4,167 |
| Salaries and employee benefits | $1,287,000 | 4,395 |
| Premises and equipment expense | $299,000 | 4,721 |
| Additional noninterest expense | $984,000 | 3,443 |
| Pre-tax net operating income | $1,630,000 | 3,339 |
| Securities gains (losses) | $79,000 | 1,946 |
| Applicable income taxes | $524,000 | 2,948 |
| Income before extraordinary items | $1,185,000 | 3,531 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,185,000 | 3,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,624 |
| Cash dividends | $2,046,000 | 986 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,130,490 | 3,495 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 3,679 |
| Total interest expense | $1,447,000 | 3,157 |
| Net interest income | $2,309,000 | 3,949 |
| Provision for loan and lease losses | $137,000 | 3,264 |
| Total noninterest income | $596,000 | 3,365 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $466,000 | 1,812 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $130,000 | 4,848 |
| Total noninterest expense | $1,700,000 | 4,189 |
| Salaries and employee benefits | $855,000 | 4,413 |
| Premises and equipment expense | $201,000 | 4,692 |
| Additional noninterest expense | $644,000 | 3,485 |
| Pre-tax net operating income | $1,068,000 | 3,360 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $331,000 | 3,059 |
| Income before extraordinary items | $737,000 | 3,720 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $737,000 | 3,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,606 |
| Cash dividends | $2,046,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $737,000 | 3,517 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,934,000 | 3,627 |
| Total interest expense | $756,000 | 3,094 |
| Net interest income | $1,178,000 | 3,883 |
| Provision for loan and lease losses | $63,000 | 3,194 |
| Total noninterest income | $280,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $222,000 | 1,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $58,000 | 4,989 |
| Total noninterest expense | $823,000 | 4,276 |
| Salaries and employee benefits | $432,000 | 4,377 |
| Premises and equipment expense | $102,000 | 4,629 |
| Additional noninterest expense | $289,000 | 3,765 |
| Pre-tax net operating income | $572,000 | 3,193 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $178,000 | 2,900 |
| Income before extraordinary items | $394,000 | 3,490 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $394,000 | 3,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 1,990 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $394,000 | 3,324 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,264,000 | 3,559 |
| Total interest expense | $3,552,000 | 3,048 |
| Net interest income | $4,712,000 | 3,842 |
| Provision for loan and lease losses | $364,000 | 3,036 |
| Total noninterest income | $1,075,000 | 3,315 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $924,000 | 1,735 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $151,000 | 5,588 |
| Total noninterest expense | $3,227,000 | 4,220 |
| Salaries and employee benefits | $1,681,000 | 4,309 |
| Premises and equipment expense | $357,000 | 5,034 |
| Additional noninterest expense | $1,189,000 | 3,630 |
| Pre-tax net operating income | $2,196,000 | 3,212 |
| Securities gains (losses) | $97,000 | 1,784 |
| Applicable income taxes | $716,000 | 2,800 |
| Income before extraordinary items | $1,577,000 | 3,372 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,577,000 | 3,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,866 |
| Cash dividends | $849,000 | 2,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,510,070 | 3,379 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,043,000 | 3,630 |
| Total interest expense | $4,382,000 | 3,544 |
| Net interest income | $4,661,000 | 3,638 |
| Provision for loan and lease losses | $483,000 | 2,264 |
| Total noninterest income | $819,000 | 3,791 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $651,000 | 2,285 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $168,000 | 5,289 |
| Total noninterest expense | $3,243,000 | 4,085 |
| Salaries and employee benefits | $1,631,000 | 4,251 |
| Premises and equipment expense | $335,000 | 5,187 |
| Additional noninterest expense | $1,277,000 | 3,301 |
| Pre-tax net operating income | $1,754,000 | 3,491 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $557,000 | 3,119 |
| Income before extraordinary items | $1,201,000 | 3,808 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,201,000 | 3,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 1,621 |
| Cash dividends | $602,000 | 3,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,198,280 | 3,690 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,782,000 | 3,806 |
| Total interest expense | $3,934,000 | 4,027 |
| Net interest income | $4,848,000 | 3,575 |
| Provision for loan and lease losses | $394,000 | 2,305 |
| Total noninterest income | $647,000 | 4,217 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $518,000 | 2,616 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $129,000 | 5,837 |
| Total noninterest expense | $2,870,000 | 4,382 |
| Salaries and employee benefits | $1,511,000 | 4,340 |
| Premises and equipment expense | $307,000 | 5,354 |
| Additional noninterest expense | $1,052,000 | 3,837 |
| Pre-tax net operating income | $2,231,000 | 3,054 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $713,000 | 2,743 |
| Income before extraordinary items | $1,518,000 | 3,223 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,518,000 | 3,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,972 |
| Cash dividends | $1,395,000 | 1,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,518,000 | 3,217 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,878,000 | 3,962 |
| Total interest expense | $3,276,000 | 4,289 |
| Net interest income | $4,602,000 | 3,715 |
| Provision for loan and lease losses | $216,000 | 3,389 |
| Total noninterest income | $595,000 | 4,454 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $458,000 | 2,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 5,812 |
| Total noninterest expense | $2,660,000 | 4,643 |
| Salaries and employee benefits | $1,397,000 | 4,595 |
| Premises and equipment expense | $256,000 | 5,957 |
| Additional noninterest expense | $1,007,000 | 4,004 |
| Pre-tax net operating income | $2,321,000 | 2,968 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $721,000 | 2,851 |
| Income before extraordinary items | $1,600,000 | 3,086 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,600,000 | 3,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,288 |
| Cash dividends | $957,000 | 2,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,600,000 | 3,051 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,886,000 | 3,990 |
| Total interest expense | $3,473,000 | 4,157 |
| Net interest income | $4,413,000 | 3,791 |
| Provision for loan and lease losses | $158,000 | 4,049 |
| Total noninterest income | $601,000 | 4,385 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $442,000 | 2,865 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 5,516 |
| Total noninterest expense | $2,469,000 | 4,814 |
| Salaries and employee benefits | $1,298,000 | 4,769 |
| Premises and equipment expense | $217,000 | 6,487 |
| Additional noninterest expense | $954,000 | 4,113 |
| Pre-tax net operating income | $2,387,000 | 2,901 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $769,000 | 2,828 |
| Income before extraordinary items | $1,620,000 | 3,050 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,620,000 | 3,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,532 |
| Cash dividends | $1,188,000 | 1,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,618,640 | 2,967 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,732,000 | 4,094 |
| Total interest expense | $3,312,000 | 4,317 |
| Net interest income | $4,420,000 | 3,863 |
| Provision for loan and lease losses | $540,000 | 1,667 |
| Total noninterest income | $599,000 | 4,414 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $466,000 | 2,809 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 6,011 |
| Total noninterest expense | $2,328,000 | 5,055 |
| Salaries and employee benefits | $1,142,000 | 5,305 |
| Premises and equipment expense | $215,000 | 6,570 |
| Additional noninterest expense | $971,000 | 4,014 |
| Pre-tax net operating income | $2,151,000 | 3,310 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $682,000 | 3,301 |
| Income before extraordinary items | $1,469,000 | 3,423 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,469,000 | 3,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $547,000 | 1,259 |
| Cash dividends | $1,792,000 | 1,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,469,000 | 3,344 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,950,000 | 4,065 |
| Total interest expense | $3,644,000 | 4,036 |
| Net interest income | $4,306,000 | 4,028 |
| Provision for loan and lease losses | $260,000 | 2,872 |
| Total noninterest income | $583,000 | 4,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $448,000 | 3,020 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,273 |
| Total noninterest expense | $2,258,000 | 5,423 |
| Salaries and employee benefits | $1,205,000 | 5,188 |
| Premises and equipment expense | $196,000 | 7,094 |
| Additional noninterest expense | $857,000 | 4,928 |
| Pre-tax net operating income | $2,371,000 | 2,933 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $762,000 | 2,979 |
| Income before extraordinary items | $1,609,000 | 2,992 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,609,000 | 2,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,624 |
| Cash dividends | $993,000 | 2,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,609,000 | 2,953 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,342,000 | 4,366 |
| Total interest expense | $3,342,000 | 4,330 |
| Net interest income | $4,000,000 | 4,313 |
| Provision for loan and lease losses | $330,000 | 2,136 |
| Total noninterest income | $584,000 | 4,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $408,000 | 3,303 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,514 |
| Total noninterest expense | $2,303,000 | 5,352 |
| Salaries and employee benefits | $1,133,000 | 5,474 |
| Premises and equipment expense | $183,000 | 7,537 |
| Additional noninterest expense | $987,000 | 4,399 |
| Pre-tax net operating income | $1,951,000 | 3,571 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $645,000 | 3,471 |
| Income before extraordinary items | $1,307,000 | 3,668 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,307,000 | 3,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 1,966 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,306,330 | 3,644 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,008,000 | 4,861 |
| Total interest expense | $2,403,000 | 4,812 |
| Net interest income | $3,605,000 | 4,816 |
| Provision for loan and lease losses | $260,000 | 2,513 |
| Total noninterest income | $529,000 | 5,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $356,000 | 3,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,760 |
| Total noninterest expense | $2,199,000 | 5,746 |
| Salaries and employee benefits | $1,068,000 | 5,780 |
| Premises and equipment expense | $180,000 | 7,850 |
| Additional noninterest expense | $951,000 | 4,918 |
| Pre-tax net operating income | $1,675,000 | 4,008 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $494,000 | 4,087 |
| Income before extraordinary items | $1,181,000 | 3,917 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,181,000 | 3,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,592 |
| Cash dividends | $1,185,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,181,000 | 3,959 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,017,000 | 4,937 |
| Total interest expense | $2,545,000 | 4,739 |
| Net interest income | $3,472,000 | 4,992 |
| Provision for loan and lease losses | $285,000 | 3,115 |
| Total noninterest income | $421,000 | 6,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 7,244 |
| Total noninterest expense | $2,100,000 | 6,084 |
| Salaries and employee benefits | $1,062,000 | 5,818 |
| Premises and equipment expense | $184,000 | 8,036 |
| Additional noninterest expense | $854,000 | 5,602 |
| Pre-tax net operating income | $1,508,000 | 4,305 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $436,000 | 4,702 |
| Income before extraordinary items | $1,074,000 | 4,409 |
| Extraordinary gains, net | $-253,000 | 13,084 |
| Net income | $821,000 | 5,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,681 |
| Cash dividends | $780,000 | 2,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,072,580 | 4,193 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,699,000 | 5,010 |
| Total interest expense | $3,077,000 | 5,052 |
| Net interest income | $3,622,000 | 4,857 |
| Provision for loan and lease losses | $150,000 | 6,067 |
| Total noninterest income | $425,000 | 6,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 4,182 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 8,026 |
| Total noninterest expense | $2,139,000 | 6,062 |
| Salaries and employee benefits | $1,083,000 | 5,649 |
| Premises and equipment expense | $183,000 | 8,234 |
| Additional noninterest expense | $873,000 | 5,662 |
| Pre-tax net operating income | $1,758,000 | 3,506 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $562,000 | 3,623 |
| Income before extraordinary items | $1,198,000 | 3,820 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,198,000 | 3,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 5,342 |
| Cash dividends | $1,120,000 | 1,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,196,640 | 3,538 |
* 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.