Home > Mainstreet Bank > Income and Expense
Mainstreet Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,423,000 | 2,314 |
| Total interest expense | $7,430,000 | 871 |
| Net interest income | $-7,000 | 8,184 |
| Provision for loan and lease losses | $16,177,000 | 346 |
| Total noninterest income | $-2,073,000 | 8,164 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $385,000 | 2,085 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-2,458,000 | 8,163 |
| Total noninterest expense | $7,435,000 | 1,396 |
| Salaries and employee benefits | $2,346,000 | 2,152 |
| Premises and equipment expense | $687,000 | 2,001 |
| Additional noninterest expense | $4,402,000 | 865 |
| Pre-tax net operating income | $-25,692,000 | 8,043 |
| Securities gains (losses) | $1,767,000 | 186 |
| Applicable income taxes | $5,000 | 4,239 |
| Income before extraordinary items | $-23,930,000 | 8,052 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-23,930,000 | 8,052 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-23,930,000 | 8,052 |
| Net charge-offs | $20,299,000 | 231 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-25,697,000 | 8,054 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,157,000 | 2,140 |
| Total interest expense | $3,737,000 | 906 |
| Net interest income | $420,000 | 6,784 |
| Provision for loan and lease losses | $5,277,000 | 390 |
| Total noninterest income | $250,000 | 3,377 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $247,000 | 1,634 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,000 | 7,508 |
| Total noninterest expense | $3,385,000 | 1,480 |
| Salaries and employee benefits | $994,000 | 2,561 |
| Premises and equipment expense | $352,000 | 1,989 |
| Additional noninterest expense | $2,039,000 | 810 |
| Pre-tax net operating income | $-7,992,000 | 8,093 |
| Securities gains (losses) | $1,397,000 | 145 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-6,595,000 | 8,087 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-6,595,000 | 8,086 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-6,595,000 | 8,087 |
| Net charge-offs | $936,000 | 992 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-7,992,000 | 8,104 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,784,000 | 1,693 |
| Total interest expense | $13,459,000 | 1,198 |
| Net interest income | $9,325,000 | 2,346 |
| Provision for loan and lease losses | $12,995,000 | 493 |
| Total noninterest income | $531,000 | 4,715 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,097,000 | 1,621 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-566,000 | 8,231 |
| Total noninterest expense | $15,470,000 | 1,267 |
| Salaries and employee benefits | $6,709,000 | 1,542 |
| Premises and equipment expense | $1,381,000 | 1,972 |
| Additional noninterest expense | $7,380,000 | 881 |
| Pre-tax net operating income | $-18,609,000 | 8,093 |
| Securities gains (losses) | $229,000 | 660 |
| Applicable income taxes | $18,000 | 4,322 |
| Income before extraordinary items | $-18,398,000 | 8,081 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-18,398,000 | 8,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,069,000 | 528 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-18,627,000 | 8,109 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $18,505,000 | 1,617 |
| Total interest expense | $9,747,000 | 1,304 |
| Net interest income | $8,758,000 | 1,936 |
| Provision for loan and lease losses | $10,866,000 | 381 |
| Total noninterest income | $496,000 | 4,346 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $800,000 | 1,668 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-304,000 | 8,318 |
| Total noninterest expense | $9,652,000 | 1,515 |
| Salaries and employee benefits | $5,152,000 | 1,529 |
| Premises and equipment expense | $1,025,000 | 1,991 |
| Additional noninterest expense | $3,475,000 | 1,309 |
| Pre-tax net operating income | $-11,264,000 | 8,233 |
| Securities gains (losses) | $47,000 | 1,472 |
| Applicable income taxes | $18,000 | 4,637 |
| Income before extraordinary items | $-11,235,000 | 8,231 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-11,235,000 | 8,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,507,000 | 579 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-11,282,000 | 8,252 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,017,000 | 1,554 |
| Total interest expense | $6,610,000 | 1,334 |
| Net interest income | $6,407,000 | 1,743 |
| Provision for loan and lease losses | $5,672,000 | 397 |
| Total noninterest income | $150,000 | 5,979 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $534,000 | 1,653 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-384,000 | 8,419 |
| Total noninterest expense | $6,526,000 | 1,481 |
| Salaries and employee benefits | $3,508,000 | 1,504 |
| Premises and equipment expense | $696,000 | 1,950 |
| Additional noninterest expense | $2,322,000 | 1,287 |
| Pre-tax net operating income | $-5,641,000 | 8,304 |
| Securities gains (losses) | $47,000 | 1,487 |
| Applicable income taxes | $18,000 | 4,723 |
| Income before extraordinary items | $-5,612,000 | 8,328 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,612,000 | 8,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,385,000 | 502 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-5,659,000 | 8,324 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,858,000 | 1,504 |
| Total interest expense | $3,458,000 | 1,360 |
| Net interest income | $3,400,000 | 1,634 |
| Provision for loan and lease losses | $5,659,000 | 200 |
| Total noninterest income | $100,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $256,000 | 1,696 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-156,000 | 8,462 |
| Total noninterest expense | $3,282,000 | 1,461 |
| Salaries and employee benefits | $1,809,000 | 1,472 |
| Premises and equipment expense | $337,000 | 2,018 |
| Additional noninterest expense | $1,136,000 | 1,264 |
| Pre-tax net operating income | $-5,441,000 | 8,431 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-5,441,000 | 8,432 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-5,441,000 | 8,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,271,000 | 271 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-5,441,000 | 8,430 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,185,000 | 1,468 |
| Total interest expense | $13,415,000 | 1,495 |
| Net interest income | $15,770,000 | 1,419 |
| Provision for loan and lease losses | $881,000 | 1,572 |
| Total noninterest income | $1,478,000 | 2,744 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,094,000 | 1,639 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $384,000 | 3,807 |
| Total noninterest expense | $12,670,000 | 1,459 |
| Salaries and employee benefits | $7,418,000 | 1,362 |
| Premises and equipment expense | $1,256,000 | 2,078 |
| Additional noninterest expense | $3,996,000 | 1,386 |
| Pre-tax net operating income | $3,697,000 | 2,109 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 5,774 |
| Income before extraordinary items | $3,692,000 | 1,713 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,692,000 | 1,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $915,000 | 1,096 |
| Cash dividends | $2,298,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,692,000 | 1,702 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,737,000 | 1,491 |
| Total interest expense | $9,754,000 | 1,547 |
| Net interest income | $11,983,000 | 1,408 |
| Provision for loan and lease losses | $600,000 | 1,345 |
| Total noninterest income | $1,070,000 | 2,774 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $795,000 | 1,665 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $275,000 | 3,917 |
| Total noninterest expense | $9,395,000 | 1,449 |
| Salaries and employee benefits | $5,550,000 | 1,359 |
| Premises and equipment expense | $919,000 | 2,109 |
| Additional noninterest expense | $2,926,000 | 1,376 |
| Pre-tax net operating income | $3,058,000 | 2,069 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $5,000 | 5,890 |
| Income before extraordinary items | $3,053,000 | 1,658 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,053,000 | 1,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 1,336 |
| Cash dividends | $1,682,000 | 1,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,053,000 | 1,646 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,550,000 | 1,497 |
| Total interest expense | $6,379,000 | 1,581 |
| Net interest income | $8,171,000 | 1,397 |
| Provision for loan and lease losses | $400,000 | 1,235 |
| Total noninterest income | $644,000 | 3,002 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $519,000 | 1,696 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $125,000 | 4,665 |
| Total noninterest expense | $6,181,000 | 1,486 |
| Salaries and employee benefits | $3,713,000 | 1,371 |
| Premises and equipment expense | $615,000 | 2,105 |
| Additional noninterest expense | $1,853,000 | 1,475 |
| Pre-tax net operating income | $2,234,000 | 1,974 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $5,000 | 5,893 |
| Income before extraordinary items | $2,229,000 | 1,574 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,229,000 | 1,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 1,712 |
| Cash dividends | $1,066,000 | 1,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,229,000 | 1,555 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,117,000 | 1,524 |
| Total interest expense | $3,202,000 | 1,548 |
| Net interest income | $3,915,000 | 1,462 |
| Provision for loan and lease losses | $200,000 | 1,154 |
| Total noninterest income | $350,000 | 2,803 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $239,000 | 1,775 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $111,000 | 3,572 |
| Total noninterest expense | $2,907,000 | 1,575 |
| Salaries and employee benefits | $1,726,000 | 1,505 |
| Premises and equipment expense | $313,000 | 2,079 |
| Additional noninterest expense | $868,000 | 1,536 |
| Pre-tax net operating income | $1,158,000 | 1,919 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,158,000 | 1,494 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,158,000 | 1,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $357,000 | 1,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,158,000 | 1,484 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $27,618,000 | 1,447 |
| Total interest expense | $11,082,000 | 1,522 |
| Net interest income | $16,536,000 | 1,379 |
| Provision for loan and lease losses | $833,000 | 1,232 |
| Total noninterest income | $1,662,000 | 2,517 |
| 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 | $673,000 | 2,816 |
| Total noninterest expense | $11,616,000 | 1,539 |
| Salaries and employee benefits | $6,963,000 | 1,410 |
| Premises and equipment expense | $1,105,000 | 2,247 |
| Additional noninterest expense | $3,548,000 | 1,488 |
| Pre-tax net operating income | $5,749,000 | 1,675 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $5,000 | 6,317 |
| Income before extraordinary items | $5,744,000 | 1,264 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,744,000 | 1,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $640,000 | 966 |
| Cash dividends | $2,964,000 | 1,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,744,000 | 1,248 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,291,000 | 1,464 |
| Total interest expense | $7,819,000 | 1,571 |
| Net interest income | $12,472,000 | 1,389 |
| Provision for loan and lease losses | $633,000 | 1,151 |
| Total noninterest income | $1,152,000 | 2,670 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $734,000 | 1,786 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $418,000 | 3,146 |
| Total noninterest expense | $8,686,000 | 1,549 |
| Salaries and employee benefits | $5,221,000 | 1,419 |
| Premises and equipment expense | $799,000 | 2,333 |
| Additional noninterest expense | $2,666,000 | 1,483 |
| Pre-tax net operating income | $4,305,000 | 1,731 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $5,000 | 6,397 |
| Income before extraordinary items | $4,300,000 | 1,318 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,300,000 | 1,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 1,435 |
| Cash dividends | $2,368,000 | 1,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,300,000 | 1,305 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,145,000 | 1,477 |
| Total interest expense | $4,880,000 | 1,600 |
| Net interest income | $8,265,000 | 1,397 |
| Provision for loan and lease losses | $423,000 | 1,127 |
| Total noninterest income | $897,000 | 2,406 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $482,000 | 1,795 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $415,000 | 2,504 |
| Total noninterest expense | $5,724,000 | 1,571 |
| Salaries and employee benefits | $3,426,000 | 1,442 |
| Premises and equipment expense | $538,000 | 2,305 |
| Additional noninterest expense | $1,760,000 | 1,510 |
| Pre-tax net operating income | $3,015,000 | 1,639 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $5,000 | 6,332 |
| Income before extraordinary items | $3,010,000 | 1,240 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,010,000 | 1,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,304 |
| Cash dividends | $1,773,000 | 913 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,010,000 | 1,225 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,325,000 | 1,497 |
| Total interest expense | $2,287,000 | 1,619 |
| Net interest income | $4,038,000 | 1,422 |
| Provision for loan and lease losses | $200,000 | 1,130 |
| Total noninterest income | $523,000 | 2,124 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $235,000 | 1,787 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $288,000 | 2,000 |
| Total noninterest expense | $2,786,000 | 1,616 |
| Salaries and employee benefits | $1,680,000 | 1,476 |
| Premises and equipment expense | $256,000 | 2,427 |
| Additional noninterest expense | $850,000 | 1,541 |
| Pre-tax net operating income | $1,575,000 | 1,556 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,575,000 | 1,185 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,575,000 | 1,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,328 |
| Cash dividends | $1,176,000 | 660 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,575,000 | 1,164 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,453,000 | 1,485 |
| Total interest expense | $7,044,000 | 1,623 |
| Net interest income | $15,409,000 | 1,409 |
| Provision for loan and lease losses | $794,000 | 1,276 |
| Total noninterest income | $1,349,000 | 2,880 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $860,000 | 1,986 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $489,000 | 3,411 |
| Total noninterest expense | $10,735,000 | 1,595 |
| Salaries and employee benefits | $6,538,000 | 1,426 |
| Premises and equipment expense | $1,055,000 | 2,261 |
| Additional noninterest expense | $3,142,000 | 1,616 |
| Pre-tax net operating income | $5,229,000 | 1,792 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,000 | 6,741 |
| Income before extraordinary items | $5,226,000 | 1,360 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,226,000 | 1,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,634 |
| Cash dividends | $1,575,000 | 1,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,226,000 | 1,348 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,300,000 | 1,490 |
| Total interest expense | $4,841,000 | 1,667 |
| Net interest income | $11,459,000 | 1,405 |
| Provision for loan and lease losses | $594,000 | 1,216 |
| Total noninterest income | $1,015,000 | 2,879 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $637,000 | 2,009 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $378,000 | 3,377 |
| Total noninterest expense | $7,897,000 | 1,602 |
| Salaries and employee benefits | $4,812,000 | 1,438 |
| Premises and equipment expense | $776,000 | 2,282 |
| Additional noninterest expense | $2,309,000 | 1,619 |
| Pre-tax net operating income | $3,983,000 | 1,772 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,000 | 6,760 |
| Income before extraordinary items | $3,980,000 | 1,357 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,980,000 | 1,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 1,658 |
| Cash dividends | $1,172,000 | 1,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,980,000 | 1,333 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,318,000 | 1,536 |
| Total interest expense | $2,972,000 | 1,700 |
| Net interest income | $7,346,000 | 1,449 |
| Provision for loan and lease losses | $394,000 | 1,208 |
| Total noninterest income | $664,000 | 2,886 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $419,000 | 1,988 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $245,000 | 3,396 |
| Total noninterest expense | $5,161,000 | 1,637 |
| Salaries and employee benefits | $3,143,000 | 1,471 |
| Premises and equipment expense | $503,000 | 2,318 |
| Additional noninterest expense | $1,515,000 | 1,629 |
| Pre-tax net operating income | $2,455,000 | 1,876 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,000 | 6,722 |
| Income before extraordinary items | $2,452,000 | 1,425 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,452,000 | 1,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,884 |
| Cash dividends | $769,000 | 1,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,452,000 | 1,399 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,689,000 | 1,673 |
| Total interest expense | $1,355,000 | 1,757 |
| Net interest income | $3,334,000 | 1,605 |
| Provision for loan and lease losses | $154,000 | 1,359 |
| Total noninterest income | $325,000 | 2,870 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $205,000 | 1,965 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $120,000 | 3,395 |
| Total noninterest expense | $2,387,000 | 1,749 |
| Salaries and employee benefits | $1,431,000 | 1,613 |
| Premises and equipment expense | $244,000 | 2,404 |
| Additional noninterest expense | $712,000 | 1,731 |
| Pre-tax net operating income | $1,118,000 | 1,978 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $1,115,000 | 1,517 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,115,000 | 1,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $557,000 | 1,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,115,000 | 1,494 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,747,000 | 1,631 |
| Total interest expense | $4,838,000 | 1,694 |
| Net interest income | $12,909,000 | 1,579 |
| Provision for loan and lease losses | $900,000 | 1,146 |
| Total noninterest income | $1,586,000 | 2,587 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $976,000 | 1,803 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $610,000 | 2,962 |
| Total noninterest expense | $9,293,000 | 1,741 |
| Salaries and employee benefits | $5,465,000 | 1,614 |
| Premises and equipment expense | $919,000 | 2,482 |
| Additional noninterest expense | $2,909,000 | 1,673 |
| Pre-tax net operating income | $4,302,000 | 1,927 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $18,000 | 6,584 |
| Income before extraordinary items | $4,284,000 | 1,505 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,284,000 | 1,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 1,390 |
| Cash dividends | $2,490,000 | 1,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,284,000 | 1,455 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,104,000 | 1,639 |
| Total interest expense | $3,514,000 | 1,718 |
| Net interest income | $9,590,000 | 1,573 |
| Provision for loan and lease losses | $675,000 | 1,126 |
| Total noninterest income | $1,139,000 | 2,666 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $743,000 | 1,782 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $396,000 | 3,213 |
| Total noninterest expense | $6,713,000 | 1,797 |
| Salaries and employee benefits | $3,985,000 | 1,660 |
| Premises and equipment expense | $661,000 | 2,560 |
| Additional noninterest expense | $2,067,000 | 1,740 |
| Pre-tax net operating income | $3,341,000 | 1,877 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $4,000 | 6,986 |
| Income before extraordinary items | $3,337,000 | 1,477 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,337,000 | 1,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 1,757 |
| Cash dividends | $1,926,000 | 1,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,337,000 | 1,428 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,486,000 | 1,658 |
| Total interest expense | $2,291,000 | 1,738 |
| Net interest income | $6,195,000 | 1,610 |
| Provision for loan and lease losses | $450,000 | 1,098 |
| Total noninterest income | $767,000 | 2,657 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $497,000 | 1,766 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $270,000 | 3,172 |
| Total noninterest expense | $4,269,000 | 1,870 |
| Salaries and employee benefits | $2,483,000 | 1,765 |
| Premises and equipment expense | $443,000 | 2,544 |
| Additional noninterest expense | $1,343,000 | 1,780 |
| Pre-tax net operating income | $2,243,000 | 1,866 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-5,000 | 8,755 |
| Income before extraordinary items | $2,248,000 | 1,436 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,248,000 | 1,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 1,622 |
| Cash dividends | $1,549,000 | 865 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,248,000 | 1,384 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,200,000 | 1,679 |
| Total interest expense | $1,106,000 | 1,813 |
| Net interest income | $3,094,000 | 1,611 |
| Provision for loan and lease losses | $225,000 | 1,035 |
| Total noninterest income | $385,000 | 2,597 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $219,000 | 1,914 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $166,000 | 2,759 |
| Total noninterest expense | $2,127,000 | 1,884 |
| Salaries and employee benefits | $1,234,000 | 1,793 |
| Premises and equipment expense | $219,000 | 2,585 |
| Additional noninterest expense | $674,000 | 1,758 |
| Pre-tax net operating income | $1,127,000 | 1,823 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-17,000 | 8,896 |
| Income before extraordinary items | $1,144,000 | 1,410 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,144,000 | 1,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,290 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,144,000 | 1,331 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,332,000 | 1,975 |
| Total interest expense | $3,574,000 | 2,459 |
| Net interest income | $10,758,000 | 1,817 |
| Provision for loan and lease losses | $705,000 | 1,610 |
| Total noninterest income | $2,017,000 | 2,306 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $964,000 | 1,792 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,053,000 | 2,312 |
| Total noninterest expense | $8,758,000 | 1,810 |
| Salaries and employee benefits | $5,028,000 | 1,711 |
| Premises and equipment expense | $911,000 | 2,453 |
| Additional noninterest expense | $2,819,000 | 1,720 |
| Pre-tax net operating income | $3,312,000 | 2,310 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $380,000 | 3,888 |
| Income before extraordinary items | $2,932,000 | 2,076 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,932,000 | 2,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,652 |
| Cash dividends | $263,000 | 4,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,932,000 | 1,988 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,365,000 | 2,090 |
| Total interest expense | $2,516,000 | 2,671 |
| Net interest income | $7,849,000 | 1,882 |
| Provision for loan and lease losses | $437,000 | 1,901 |
| Total noninterest income | $1,429,000 | 2,434 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $726,000 | 1,780 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $703,000 | 2,553 |
| Total noninterest expense | $6,377,000 | 1,861 |
| Salaries and employee benefits | $3,615,000 | 1,800 |
| Premises and equipment expense | $671,000 | 2,514 |
| Additional noninterest expense | $2,091,000 | 1,725 |
| Pre-tax net operating income | $2,464,000 | 2,415 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $381,000 | 3,492 |
| Income before extraordinary items | $2,083,000 | 2,254 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,083,000 | 2,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,593 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,083,000 | 2,137 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,288,000 | 2,332 |
| Total interest expense | $1,590,000 | 2,888 |
| Net interest income | $4,698,000 | 2,085 |
| Provision for loan and lease losses | $290,000 | 1,910 |
| Total noninterest income | $1,046,000 | 2,279 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $478,000 | 1,769 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $568,000 | 2,256 |
| Total noninterest expense | $4,053,000 | 1,940 |
| Salaries and employee benefits | $2,207,000 | 1,929 |
| Premises and equipment expense | $441,000 | 2,529 |
| Additional noninterest expense | $1,405,000 | 1,711 |
| Pre-tax net operating income | $1,401,000 | 2,740 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $366,000 | 2,873 |
| Income before extraordinary items | $1,035,000 | 2,898 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,035,000 | 2,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,807 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,035,000 | 2,739 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,898,000 | 2,527 |
| Total interest expense | $777,000 | 3,012 |
| Net interest income | $2,121,000 | 2,296 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $529,000 | 2,191 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $246,000 | 1,660 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $283,000 | 2,194 |
| Total noninterest expense | $1,916,000 | 2,043 |
| Salaries and employee benefits | $1,025,000 | 2,059 |
| Premises and equipment expense | $211,000 | 2,633 |
| Additional noninterest expense | $680,000 | 1,739 |
| Pre-tax net operating income | $614,000 | 3,024 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $337,000 | 1,887 |
| Income before extraordinary items | $277,000 | 4,448 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $277,000 | 4,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 9,104 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $277,000 | 4,250 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,679,000 | 2,845 |
| Total interest expense | $2,763,000 | 3,784 |
| Net interest income | $7,916,000 | 2,426 |
| Provision for loan and lease losses | $239,000 | 4,000 |
| Total noninterest income | $1,562,000 | 2,555 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $854,000 | 1,894 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $708,000 | 2,688 |
| Total noninterest expense | $6,933,000 | 2,165 |
| Salaries and employee benefits | $3,601,000 | 2,228 |
| Premises and equipment expense | $816,000 | 2,640 |
| Additional noninterest expense | $2,516,000 | 1,843 |
| Pre-tax net operating income | $2,306,000 | 3,070 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $806,000 | 2,583 |
| Income before extraordinary items | $1,500,000 | 3,509 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,500,000 | 3,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,007 |
| Cash dividends | $500,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,500,000 | 3,402 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,337,000 | 3,217 |
| Total interest expense | $3,786,000 | 3,967 |
| Net interest income | $6,551,000 | 2,721 |
| Provision for loan and lease losses | $199,000 | 4,164 |
| Total noninterest income | $1,332,000 | 2,733 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $850,000 | 1,786 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $482,000 | 3,187 |
| Total noninterest expense | $6,022,000 | 2,371 |
| Salaries and employee benefits | $2,973,000 | 2,529 |
| Premises and equipment expense | $785,000 | 2,681 |
| Additional noninterest expense | $2,264,000 | 1,988 |
| Pre-tax net operating income | $1,662,000 | 3,613 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $642,000 | 2,847 |
| Income before extraordinary items | $1,020,000 | 4,227 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,020,000 | 4,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,980 |
| Cash dividends | $273,000 | 4,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,020,000 | 4,115 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,541,000 | 6,065 |
| Total interest expense | $1,913,000 | 6,399 |
| Net interest income | $2,628,000 | 5,625 |
| Provision for loan and lease losses | $98,000 | 5,381 |
| Total noninterest income | $547,000 | 4,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $304,000 | 4,021 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $243,000 | 4,353 |
| Total noninterest expense | $2,543,000 | 4,800 |
| Salaries and employee benefits | $1,092,000 | 5,588 |
| Premises and equipment expense | $287,000 | 5,563 |
| Additional noninterest expense | $1,164,000 | 3,531 |
| Pre-tax net operating income | $534,000 | 6,848 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $186,000 | 5,536 |
| Income before extraordinary items | $348,000 | 7,165 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $348,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $305,000 | 4,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $348,000 | 7,160 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,071,000 | 6,309 |
| Total interest expense | $1,547,000 | 6,861 |
| Net interest income | $2,524,000 | 5,767 |
| Provision for loan and lease losses | $24,000 | 7,475 |
| Total noninterest income | $491,000 | 5,012 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,385 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $228,000 | 4,641 |
| Total noninterest expense | $2,407,000 | 5,007 |
| Salaries and employee benefits | $1,195,000 | 5,174 |
| Premises and equipment expense | $343,000 | 5,040 |
| Additional noninterest expense | $869,000 | 4,494 |
| Pre-tax net operating income | $584,000 | 6,771 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $186,000 | 5,858 |
| Income before extraordinary items | $398,000 | 7,007 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $398,000 | 7,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,984 |
| Cash dividends | $218,000 | 5,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $398,000 | 6,979 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,242,000 | 6,271 |
| Total interest expense | $1,709,000 | 6,745 |
| Net interest income | $2,533,000 | 5,806 |
| Provision for loan and lease losses | $53,000 | 6,503 |
| Total noninterest income | $436,000 | 5,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,016 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 5,772 |
| Total noninterest expense | $2,332,000 | 5,011 |
| Salaries and employee benefits | $1,174,000 | 5,155 |
| Premises and equipment expense | $358,000 | 4,808 |
| Additional noninterest expense | $800,000 | 4,680 |
| Pre-tax net operating income | $584,000 | 7,001 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $195,000 | 6,252 |
| Income before extraordinary items | $395,000 | 7,252 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $395,000 | 7,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $164,000 | 5,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $390,980 | 7,194 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,281,000 | 6,402 |
| Total interest expense | $1,852,000 | 6,557 |
| Net interest income | $2,429,000 | 6,162 |
| Provision for loan and lease losses | $138,000 | 4,329 |
| Total noninterest income | $370,000 | 5,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,635 |
| Total noninterest expense | $2,000,000 | 5,657 |
| Salaries and employee benefits | $1,077,000 | 5,566 |
| Premises and equipment expense | $339,000 | 5,026 |
| Additional noninterest expense | $584,000 | 5,909 |
| Pre-tax net operating income | $661,000 | 7,157 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $219,000 | 6,631 |
| Income before extraordinary items | $442,000 | 7,365 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $442,000 | 7,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,667 |
| Cash dividends | $131,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $442,000 | 7,313 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,828,000 | 7,023 |
| Total interest expense | $1,623,000 | 7,275 |
| Net interest income | $2,205,000 | 6,756 |
| Provision for loan and lease losses | $76,000 | 5,685 |
| Total noninterest income | $454,000 | 5,510 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,504 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,465 |
| Total noninterest expense | $1,708,000 | 6,595 |
| Salaries and employee benefits | $900,000 | 6,466 |
| Premises and equipment expense | $301,000 | 5,587 |
| Additional noninterest expense | $507,000 | 7,000 |
| Pre-tax net operating income | $875,000 | 6,182 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $296,000 | 5,880 |
| Income before extraordinary items | $579,000 | 6,404 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $579,000 | 6,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $131,000 | 6,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $579,000 | 6,329 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,071,000 | 8,099 |
| Total interest expense | $1,392,000 | 8,002 |
| Net interest income | $1,679,000 | 8,070 |
| Provision for loan and lease losses | $46,000 | 6,390 |
| Total noninterest income | $293,000 | 7,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,889 |
| Total noninterest expense | $1,446,000 | 7,444 |
| Salaries and employee benefits | $709,000 | 7,669 |
| Premises and equipment expense | $277,000 | 5,967 |
| Additional noninterest expense | $460,000 | 7,608 |
| Pre-tax net operating income | $480,000 | 8,554 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $148,000 | 8,300 |
| Income before extraordinary items | $332,000 | 8,644 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $332,000 | 8,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,576 |
| Cash dividends | $109,000 | 6,646 |
| Sale, conversion, retirement of capital stock, net | $240,000 | 462 |
| Net operating income | $332,000 | 8,610 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 9,435 |
| Total interest expense | $832,000 | 9,439 |
| Net interest income | $1,365,000 | 9,261 |
| Provision for loan and lease losses | $28,000 | 7,286 |
| Total noninterest income | $266,000 | 7,713 |
| 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 | $76,000 | 8,407 |
| Total noninterest expense | $1,231,000 | 8,496 |
| Salaries and employee benefits | $547,000 | 8,987 |
| Premises and equipment expense | $198,000 | 7,470 |
| Additional noninterest expense | $486,000 | 7,991 |
| Pre-tax net operating income | $372,000 | 9,563 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $134,000 | 8,630 |
| Income before extraordinary items | $238,000 | 9,832 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $238,000 | 9,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $51,000 | 7,890 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 515 |
| Net operating income | $238,000 | 9,901 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,845,000 | 10,500 |
| Total interest expense | $710,000 | 10,525 |
| Net interest income | $1,135,000 | 10,276 |
| Provision for loan and lease losses | $18,000 | 9,198 |
| Total noninterest income | $240,000 | 8,531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,584 |
| Total noninterest expense | $962,000 | 9,911 |
| Salaries and employee benefits | $437,000 | 10,271 |
| Premises and equipment expense | $161,000 | 8,616 |
| Additional noninterest expense | $364,000 | 9,674 |
| Pre-tax net operating income | $395,000 | 9,450 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $131,000 | 9,063 |
| Income before extraordinary items | $264,000 | 9,882 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $264,000 | 10,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $264,000 | 9,627 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,887,000 | 11,123 |
| Total interest expense | $869,000 | 11,005 |
| Net interest income | $1,018,000 | 11,033 |
| Provision for loan and lease losses | $18,000 | 10,694 |
| Total noninterest income | $364,000 | 6,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 6,108 |
| Total noninterest expense | $976,000 | 10,088 |
| Salaries and employee benefits | $430,000 | 10,522 |
| Premises and equipment expense | $157,000 | 8,918 |
| Additional noninterest expense | $389,000 | 9,700 |
| Pre-tax net operating income | $388,000 | 9,350 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $114,000 | 9,543 |
| Income before extraordinary items | $274,000 | 9,632 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $274,000 | 9,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $145,000 | 5,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $274,000 | 9,262 |
* 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.