Home > Merchants and Farmers Bank of Comer, Georgia > Income and Expense
Merchants and Farmers Bank of Comer, Georgia, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,931,000 | 3,898 |
| Total interest expense | $1,896,000 | 3,995 |
| Net interest income | $4,035,000 | 3,770 |
| Provision for loan and lease losses | $891,000 | 2,954 |
| Total noninterest income | $1,672,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,346,000 | 962 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $326,000 | 3,486 |
| Total noninterest expense | $3,805,000 | 3,641 |
| Salaries and employee benefits | $2,018,000 | 3,516 |
| Premises and equipment expense | $391,000 | 4,316 |
| Additional noninterest expense | $1,396,000 | 3,456 |
| Pre-tax net operating income | $1,011,000 | 2,718 |
| Securities gains (losses) | $49,000 | 2,314 |
| Applicable income taxes | $375,000 | 1,699 |
| Income before extraordinary items | $685,000 | 3,171 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $685,000 | 3,169 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $685,000 | 3,171 |
| Net charge-offs | $1,155,000 | 2,046 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $653,150 | 3,151 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,872,000 | 3,999 |
| Total interest expense | $1,281,000 | 4,076 |
| Net interest income | $2,591,000 | 3,840 |
| Provision for loan and lease losses | $727,000 | 2,446 |
| Total noninterest income | $1,075,000 | 2,066 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $857,000 | 986 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $218,000 | 3,522 |
| Total noninterest expense | $2,602,000 | 3,599 |
| Salaries and employee benefits | $1,372,000 | 3,495 |
| Premises and equipment expense | $257,000 | 4,384 |
| Additional noninterest expense | $973,000 | 3,357 |
| Pre-tax net operating income | $337,000 | 3,972 |
| Securities gains (losses) | $34,000 | 2,112 |
| Applicable income taxes | $131,000 | 2,399 |
| Income before extraordinary items | $240,000 | 4,306 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 4,305 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $240,000 | 4,305 |
| Net charge-offs | $557,000 | 2,232 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $217,900 | 4,319 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,865,000 | 4,146 |
| Total interest expense | $701,000 | 3,941 |
| Net interest income | $1,164,000 | 4,112 |
| Provision for loan and lease losses | $544,000 | 1,709 |
| Total noninterest income | $523,000 | 2,065 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $388,000 | 1,073 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $135,000 | 3,146 |
| Total noninterest expense | $1,273,000 | 3,597 |
| Salaries and employee benefits | $698,000 | 3,475 |
| Premises and equipment expense | $130,000 | 4,390 |
| Additional noninterest expense | $445,000 | 3,297 |
| Pre-tax net operating income | $-130,000 | 6,733 |
| Securities gains (losses) | $34,000 | 1,476 |
| Applicable income taxes | $-34,000 | 7,352 |
| Income before extraordinary items | $-62,000 | 6,698 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-62,000 | 6,699 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-62,000 | 6,699 |
| Net charge-offs | $473,000 | 1,401 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-84,100 | 6,677 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,557,000 | 5,159 |
| Total interest expense | $2,241,000 | 5,032 |
| Net interest income | $3,316,000 | 5,123 |
| Provision for loan and lease losses | $1,609,000 | 2,068 |
| Total noninterest income | $1,336,000 | 2,842 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,135,000 | 1,576 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $201,000 | 4,823 |
| Total noninterest expense | $2,989,000 | 5,123 |
| Salaries and employee benefits | $1,662,000 | 5,020 |
| Premises and equipment expense | $317,000 | 5,661 |
| Additional noninterest expense | $1,010,000 | 4,793 |
| Pre-tax net operating income | $54,000 | 6,159 |
| Securities gains (losses) | $123,000 | 985 |
| Applicable income taxes | $63,000 | 3,721 |
| Income before extraordinary items | $114,000 | 5,809 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $114,000 | 5,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $896,000 | 2,085 |
| Cash dividends | $720,000 | 2,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $35,280 | 6,230 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,335,000 | 5,834 |
| Total interest expense | $1,373,000 | 5,648 |
| Net interest income | $1,962,000 | 5,842 |
| Provision for loan and lease losses | $269,000 | 3,748 |
| Total noninterest income | $776,000 | 3,410 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $670,000 | 1,933 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $106,000 | 5,543 |
| Total noninterest expense | $1,709,000 | 5,879 |
| Salaries and employee benefits | $965,000 | 5,804 |
| Premises and equipment expense | $171,000 | 6,461 |
| Additional noninterest expense | $573,000 | 5,550 |
| Pre-tax net operating income | $760,000 | 4,191 |
| Securities gains (losses) | $42,000 | 1,531 |
| Applicable income taxes | $291,000 | 2,490 |
| Income before extraordinary items | $511,000 | 4,411 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $511,000 | 4,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 3,061 |
| Cash dividends | $720,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $484,120 | 4,659 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $840,000 | 7,704 |
| Total interest expense | $346,000 | 7,567 |
| Net interest income | $494,000 | 7,716 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $193,000 | 5,501 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $168,000 | 3,837 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $25,000 | 6,995 |
| Total noninterest expense | $428,000 | 7,826 |
| Salaries and employee benefits | $237,000 | 7,818 |
| Premises and equipment expense | $41,000 | 7,863 |
| Additional noninterest expense | $150,000 | 7,512 |
| Pre-tax net operating income | $259,000 | 5,454 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $94,000 | 3,510 |
| Income before extraordinary items | $165,000 | 5,866 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $165,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,765 |
| Cash dividends | $720,000 | 1,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $165,000 | 5,808 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,600,000 | 3,620 |
| Total interest expense | $895,000 | 4,200 |
| Net interest income | $1,705,000 | 3,150 |
| Provision for loan and lease losses | $20,000 | 4,875 |
| Total noninterest income | $616,000 | 1,913 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $509,000 | 843 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $107,000 | 3,641 |
| Total noninterest expense | $1,210,000 | 3,671 |
| Salaries and employee benefits | $758,000 | 3,327 |
| Premises and equipment expense | $125,000 | 4,513 |
| Additional noninterest expense | $327,000 | 3,863 |
| Pre-tax net operating income | $1,091,000 | 1,650 |
| Securities gains (losses) | $7,000 | 2,110 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $1,094,000 | 1,381 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,094,000 | 1,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,087,000 | 1,348 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,806,000 | 3,580 |
| Total interest expense | $3,666,000 | 4,229 |
| Net interest income | $7,140,000 | 3,049 |
| Provision for loan and lease losses | $80,000 | 5,190 |
| Total noninterest income | $2,412,000 | 1,943 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,075,000 | 859 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $337,000 | 4,039 |
| Total noninterest expense | $4,899,000 | 3,486 |
| Salaries and employee benefits | $2,942,000 | 3,279 |
| Premises and equipment expense | $472,000 | 4,537 |
| Additional noninterest expense | $1,485,000 | 3,443 |
| Pre-tax net operating income | $4,573,000 | 1,777 |
| Securities gains (losses) | $8,000 | 1,417 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $4,581,000 | 1,410 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,581,000 | 1,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,544 |
| Cash dividends | $2,290,000 | 1,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,573,000 | 1,396 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,016,000 | 3,607 |
| Total interest expense | $2,703,000 | 4,277 |
| Net interest income | $5,313,000 | 3,070 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $1,777,000 | 1,961 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,526,000 | 864 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $251,000 | 4,088 |
| Total noninterest expense | $3,568,000 | 3,563 |
| Salaries and employee benefits | $2,178,000 | 3,300 |
| Premises and equipment expense | $344,000 | 4,592 |
| Additional noninterest expense | $1,046,000 | 3,575 |
| Pre-tax net operating income | $3,492,000 | 1,855 |
| Securities gains (losses) | $9,000 | 1,036 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $3,501,000 | 1,455 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,501,000 | 1,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,646 |
| Cash dividends | $1,500,000 | 1,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,492,000 | 1,447 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,264,000 | 3,651 |
| Total interest expense | $1,759,000 | 4,355 |
| Net interest income | $3,505,000 | 3,115 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $1,149,000 | 2,026 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $963,000 | 922 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $186,000 | 3,917 |
| Total noninterest expense | $2,373,000 | 3,600 |
| Salaries and employee benefits | $1,449,000 | 3,341 |
| Premises and equipment expense | $222,000 | 4,713 |
| Additional noninterest expense | $702,000 | 3,557 |
| Pre-tax net operating income | $2,251,000 | 1,961 |
| Securities gains (losses) | $9,000 | 893 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $2,260,000 | 1,552 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,260,000 | 1,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,767 |
| Cash dividends | $1,200,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,251,000 | 1,536 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,589,000 | 3,681 |
| Total interest expense | $832,000 | 4,468 |
| Net interest income | $1,757,000 | 3,109 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $575,000 | 2,018 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $460,000 | 941 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $115,000 | 3,507 |
| Total noninterest expense | $1,116,000 | 3,790 |
| Salaries and employee benefits | $694,000 | 3,484 |
| Premises and equipment expense | $107,000 | 4,842 |
| Additional noninterest expense | $315,000 | 3,827 |
| Pre-tax net operating income | $1,216,000 | 1,842 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,216,000 | 1,433 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,216,000 | 1,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $300,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,216,000 | 1,418 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,509,000 | 3,712 |
| Total interest expense | $2,786,000 | 4,514 |
| Net interest income | $6,723,000 | 3,221 |
| Provision for loan and lease losses | $160,000 | 3,939 |
| Total noninterest income | $2,238,000 | 2,052 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,891,000 | 935 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $347,000 | 4,011 |
| Total noninterest expense | $4,449,000 | 3,649 |
| Salaries and employee benefits | $2,691,000 | 3,428 |
| Premises and equipment expense | $497,000 | 4,288 |
| Additional noninterest expense | $1,261,000 | 3,797 |
| Pre-tax net operating income | $4,352,000 | 2,104 |
| Securities gains (losses) | $-81,000 | 8,126 |
| Applicable income taxes | $3,000 | 6,401 |
| Income before extraordinary items | $4,268,000 | 1,689 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,268,000 | 1,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,325 |
| Cash dividends | $2,087,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,349,000 | 1,647 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,923,000 | 3,771 |
| Total interest expense | $1,982,000 | 4,572 |
| Net interest income | $4,941,000 | 3,304 |
| Provision for loan and lease losses | $85,000 | 4,435 |
| Total noninterest income | $1,690,000 | 2,046 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,420,000 | 937 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $270,000 | 3,951 |
| Total noninterest expense | $3,295,000 | 3,699 |
| Salaries and employee benefits | $2,001,000 | 3,447 |
| Premises and equipment expense | $356,000 | 4,428 |
| Additional noninterest expense | $938,000 | 3,805 |
| Pre-tax net operating income | $3,251,000 | 2,190 |
| Securities gains (losses) | $-81,000 | 8,339 |
| Applicable income taxes | $3,000 | 6,487 |
| Income before extraordinary items | $3,167,000 | 1,753 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,167,000 | 1,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,812 |
| Cash dividends | $1,697,000 | 1,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,248,000 | 1,704 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,414,000 | 3,850 |
| Total interest expense | $1,208,000 | 4,697 |
| Net interest income | $3,206,000 | 3,376 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $1,103,000 | 2,066 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $915,000 | 951 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $188,000 | 3,866 |
| Total noninterest expense | $2,140,000 | 3,782 |
| Salaries and employee benefits | $1,339,000 | 3,453 |
| Premises and equipment expense | $231,000 | 4,493 |
| Additional noninterest expense | $570,000 | 4,074 |
| Pre-tax net operating income | $2,129,000 | 2,205 |
| Securities gains (losses) | $-77,000 | 8,476 |
| Applicable income taxes | $3,000 | 6,457 |
| Income before extraordinary items | $2,049,000 | 1,783 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,049,000 | 1,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,784 |
| Cash dividends | $1,524,000 | 1,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,126,000 | 1,697 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,039,000 | 4,024 |
| Total interest expense | $523,000 | 4,980 |
| Net interest income | $1,516,000 | 3,515 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $551,000 | 2,056 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $442,000 | 967 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $109,000 | 3,553 |
| Total noninterest expense | $1,058,000 | 3,835 |
| Salaries and employee benefits | $667,000 | 3,477 |
| Premises and equipment expense | $117,000 | 4,489 |
| Additional noninterest expense | $274,000 | 4,183 |
| Pre-tax net operating income | $1,009,000 | 2,258 |
| Securities gains (losses) | $-31,000 | 8,470 |
| Applicable income taxes | $3,000 | 6,254 |
| Income before extraordinary items | $975,000 | 1,839 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $975,000 | 1,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,654 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,006,000 | 1,763 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,583,000 | 3,908 |
| Total interest expense | $1,555,000 | 5,141 |
| Net interest income | $6,028,000 | 3,413 |
| Provision for loan and lease losses | $100,000 | 4,800 |
| Total noninterest income | $2,102,000 | 2,132 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,794,000 | 975 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $308,000 | 4,276 |
| Total noninterest expense | $4,190,000 | 3,729 |
| Salaries and employee benefits | $2,432,000 | 3,560 |
| Premises and equipment expense | $489,000 | 4,255 |
| Additional noninterest expense | $1,269,000 | 3,699 |
| Pre-tax net operating income | $3,840,000 | 2,286 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $7,000 | 6,617 |
| Income before extraordinary items | $3,837,000 | 1,799 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,837,000 | 1,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $3,350,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,833,000 | 1,778 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,551,000 | 3,933 |
| Total interest expense | $1,101,000 | 5,168 |
| Net interest income | $4,450,000 | 3,447 |
| Provision for loan and lease losses | $40,000 | 5,540 |
| Total noninterest income | $1,572,000 | 2,131 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,337,000 | 976 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $235,000 | 4,241 |
| Total noninterest expense | $3,123,000 | 3,724 |
| Salaries and employee benefits | $1,839,000 | 3,511 |
| Premises and equipment expense | $304,000 | 4,799 |
| Additional noninterest expense | $980,000 | 3,560 |
| Pre-tax net operating income | $2,859,000 | 2,321 |
| Securities gains (losses) | $24,000 | 1,156 |
| Applicable income taxes | $6,000 | 6,656 |
| Income before extraordinary items | $2,877,000 | 1,820 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,877,000 | 1,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,912 |
| Cash dividends | $3,350,000 | 663 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,853,000 | 1,797 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,590,000 | 3,967 |
| Total interest expense | $685,000 | 5,218 |
| Net interest income | $2,905,000 | 3,490 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $1,034,000 | 2,124 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $865,000 | 989 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $169,000 | 4,061 |
| Total noninterest expense | $2,094,000 | 3,677 |
| Salaries and employee benefits | $1,222,000 | 3,510 |
| Premises and equipment expense | $195,000 | 4,902 |
| Additional noninterest expense | $677,000 | 3,449 |
| Pre-tax net operating income | $1,825,000 | 2,346 |
| Securities gains (losses) | $23,000 | 1,061 |
| Applicable income taxes | $3,000 | 6,722 |
| Income before extraordinary items | $1,845,000 | 1,853 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,845,000 | 1,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $3,350,000 | 471 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,822,000 | 1,838 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,713,000 | 4,073 |
| Total interest expense | $319,000 | 5,318 |
| Net interest income | $1,394,000 | 3,621 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $505,000 | 2,124 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $406,000 | 1,016 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $99,000 | 3,751 |
| Total noninterest expense | $1,024,000 | 3,778 |
| Salaries and employee benefits | $602,000 | 3,562 |
| Premises and equipment expense | $100,000 | 4,863 |
| Additional noninterest expense | $322,000 | 3,592 |
| Pre-tax net operating income | $875,000 | 2,394 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $874,000 | 1,931 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $874,000 | 1,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $3,350,000 | 239 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $872,000 | 1,898 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,633,000 | 3,965 |
| Total interest expense | $1,087,000 | 5,422 |
| Net interest income | $5,546,000 | 3,520 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $2,030,000 | 2,178 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,724,000 | 1,036 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $306,000 | 4,227 |
| Total noninterest expense | $3,940,000 | 3,800 |
| Salaries and employee benefits | $2,302,000 | 3,563 |
| Premises and equipment expense | $407,000 | 4,703 |
| Additional noninterest expense | $1,231,000 | 3,662 |
| Pre-tax net operating income | $3,536,000 | 2,256 |
| Securities gains (losses) | $58,000 | 1,619 |
| Applicable income taxes | $9,000 | 6,781 |
| Income before extraordinary items | $3,585,000 | 1,772 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,585,000 | 1,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,079 |
| Cash dividends | $6,139,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,527,000 | 1,754 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,942,000 | 3,968 |
| Total interest expense | $800,000 | 5,446 |
| Net interest income | $4,142,000 | 3,498 |
| Provision for loan and lease losses | $60,000 | 5,125 |
| Total noninterest income | $1,506,000 | 2,204 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,274,000 | 1,059 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $232,000 | 4,208 |
| Total noninterest expense | $2,833,000 | 3,887 |
| Salaries and employee benefits | $1,684,000 | 3,624 |
| Premises and equipment expense | $282,000 | 4,957 |
| Additional noninterest expense | $867,000 | 3,845 |
| Pre-tax net operating income | $2,755,000 | 2,212 |
| Securities gains (losses) | $36,000 | 1,910 |
| Applicable income taxes | $8,000 | 6,848 |
| Income before extraordinary items | $2,783,000 | 1,742 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,783,000 | 1,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,471 |
| Cash dividends | $6,139,000 | 388 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,747,000 | 1,708 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,259,000 | 4,002 |
| Total interest expense | $546,000 | 5,403 |
| Net interest income | $2,713,000 | 3,536 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $998,000 | 2,200 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $832,000 | 1,063 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $166,000 | 4,121 |
| Total noninterest expense | $1,878,000 | 3,944 |
| Salaries and employee benefits | $1,127,000 | 3,627 |
| Premises and equipment expense | $185,000 | 5,027 |
| Additional noninterest expense | $566,000 | 3,919 |
| Pre-tax net operating income | $1,773,000 | 2,256 |
| Securities gains (losses) | $36,000 | 1,674 |
| Applicable income taxes | $7,000 | 6,787 |
| Income before extraordinary items | $1,802,000 | 1,769 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,802,000 | 1,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,147 |
| Cash dividends | $1,239,000 | 1,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,766,000 | 1,737 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,625,000 | 4,020 |
| Total interest expense | $287,000 | 5,303 |
| Net interest income | $1,338,000 | 3,572 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $505,000 | 2,143 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $404,000 | 1,062 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $101,000 | 3,702 |
| Total noninterest expense | $945,000 | 3,934 |
| Salaries and employee benefits | $596,000 | 3,484 |
| Premises and equipment expense | $91,000 | 5,132 |
| Additional noninterest expense | $258,000 | 4,212 |
| Pre-tax net operating income | $898,000 | 2,199 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $4,000 | 6,676 |
| Income before extraordinary items | $898,000 | 1,746 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $898,000 | 1,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,405 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $894,000 | 1,670 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,637,000 | 3,982 |
| Total interest expense | $1,311,000 | 5,303 |
| Net interest income | $5,326,000 | 3,514 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $1,764,000 | 2,533 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,541,000 | 1,119 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $223,000 | 5,065 |
| Total noninterest expense | $3,814,000 | 3,843 |
| Salaries and employee benefits | $2,288,000 | 3,520 |
| Premises and equipment expense | $424,000 | 4,539 |
| Additional noninterest expense | $1,102,000 | 3,974 |
| Pre-tax net operating income | $3,036,000 | 2,480 |
| Securities gains (losses) | $157,000 | 1,525 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $3,193,000 | 1,933 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,193,000 | 1,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,954 |
| Cash dividends | $2,161,000 | 1,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,036,000 | 1,925 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,028,000 | 4,015 |
| Total interest expense | $1,004,000 | 5,371 |
| Net interest income | $4,024,000 | 3,511 |
| Provision for loan and lease losses | $50,000 | 5,747 |
| Total noninterest income | $1,289,000 | 2,628 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,136,000 | 1,140 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $153,000 | 5,306 |
| Total noninterest expense | $2,740,000 | 3,954 |
| Salaries and employee benefits | $1,711,000 | 3,506 |
| Premises and equipment expense | $278,000 | 4,976 |
| Additional noninterest expense | $751,000 | 4,257 |
| Pre-tax net operating income | $2,523,000 | 2,366 |
| Securities gains (losses) | $157,000 | 1,387 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $2,680,000 | 1,803 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,680,000 | 1,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,994 |
| Cash dividends | $2,161,000 | 946 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,523,000 | 1,800 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,373,000 | 4,031 |
| Total interest expense | $692,000 | 5,382 |
| Net interest income | $2,681,000 | 3,506 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $827,000 | 2,691 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $740,000 | 1,157 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $87,000 | 5,586 |
| Total noninterest expense | $1,821,000 | 3,957 |
| Salaries and employee benefits | $1,142,000 | 3,502 |
| Premises and equipment expense | $181,000 | 5,036 |
| Additional noninterest expense | $498,000 | 4,256 |
| Pre-tax net operating income | $1,637,000 | 2,418 |
| Securities gains (losses) | $68,000 | 1,796 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,705,000 | 1,881 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,705,000 | 1,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,405 |
| Cash dividends | $1,821,000 | 813 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,637,000 | 1,833 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,679,000 | 4,073 |
| Total interest expense | $351,000 | 5,444 |
| Net interest income | $1,328,000 | 3,519 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $412,000 | 2,613 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $355,000 | 1,167 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $901,000 | 3,982 |
| Salaries and employee benefits | $574,000 | 3,490 |
| Premises and equipment expense | $91,000 | 5,012 |
| Additional noninterest expense | $236,000 | 4,401 |
| Pre-tax net operating income | $839,000 | 2,375 |
| Securities gains (losses) | $72,000 | 1,188 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $911,000 | 1,748 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $911,000 | 1,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,858 |
| Cash dividends | $1,205,000 | 582 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $839,000 | 1,778 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,798,000 | 4,147 |
| Total interest expense | $1,688,000 | 5,349 |
| Net interest income | $5,110,000 | 3,603 |
| Provision for loan and lease losses | $324,000 | 3,282 |
| Total noninterest income | $1,454,000 | 2,676 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,296,000 | 1,247 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $158,000 | 5,490 |
| Total noninterest expense | $3,560,000 | 3,907 |
| Salaries and employee benefits | $2,213,000 | 3,443 |
| Premises and equipment expense | $401,000 | 4,644 |
| Additional noninterest expense | $946,000 | 4,367 |
| Pre-tax net operating income | $2,680,000 | 2,743 |
| Securities gains (losses) | $39,000 | 2,625 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $2,719,000 | 2,196 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,719,000 | 2,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,553 |
| Cash dividends | $2,301,000 | 1,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,680,000 | 2,148 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,822,000 | 4,516 |
| Total interest expense | $2,427,000 | 5,484 |
| Net interest income | $4,395,000 | 3,835 |
| Provision for loan and lease losses | $185,000 | 4,295 |
| Total noninterest income | $1,179,000 | 2,962 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,043,000 | 1,429 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $136,000 | 5,723 |
| Total noninterest expense | $3,153,000 | 4,174 |
| Salaries and employee benefits | $1,978,000 | 3,629 |
| Premises and equipment expense | $182,000 | 7,035 |
| Additional noninterest expense | $993,000 | 4,087 |
| Pre-tax net operating income | $2,236,000 | 2,915 |
| Securities gains (losses) | $72,000 | 2,029 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $2,308,000 | 2,244 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,308,000 | 2,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,560 |
| Cash dividends | $823,000 | 2,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,236,000 | 2,233 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,144,000 | 4,994 |
| Total interest expense | $2,113,000 | 6,112 |
| Net interest income | $4,031,000 | 4,159 |
| Provision for loan and lease losses | $81,000 | 5,741 |
| Total noninterest income | $966,000 | 3,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $798,000 | 1,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 5,219 |
| Total noninterest expense | $2,729,000 | 4,559 |
| Salaries and employee benefits | $1,671,000 | 4,006 |
| Premises and equipment expense | $185,000 | 7,000 |
| Additional noninterest expense | $873,000 | 4,447 |
| Pre-tax net operating income | $2,187,000 | 3,102 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $540,000 | 3,317 |
| Income before extraordinary items | $1,647,000 | 3,009 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,647,000 | 3,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,027 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-497,000 | 9,831 |
| Net operating income | $1,647,000 | 2,999 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,490,000 | 5,242 |
| Total interest expense | $1,970,000 | 6,055 |
| Net interest income | $3,520,000 | 4,643 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $823,000 | 3,547 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $648,000 | 2,053 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,245 |
| Total noninterest expense | $2,373,000 | 5,068 |
| Salaries and employee benefits | $1,465,000 | 4,419 |
| Premises and equipment expense | $120,000 | 8,235 |
| Additional noninterest expense | $788,000 | 4,848 |
| Pre-tax net operating income | $1,870,000 | 3,511 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $610,000 | 3,184 |
| Income before extraordinary items | $1,260,000 | 3,713 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,260,000 | 3,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,260,000 | 3,681 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,066,000 | 5,633 |
| Total interest expense | $1,858,000 | 6,438 |
| Net interest income | $3,208,000 | 4,902 |
| Provision for loan and lease losses | $43,000 | 6,849 |
| Total noninterest income | $847,000 | 3,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $664,000 | 1,917 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,198 |
| Total noninterest expense | $2,115,000 | 5,375 |
| Salaries and employee benefits | $1,272,000 | 4,853 |
| Premises and equipment expense | $105,000 | 8,597 |
| Additional noninterest expense | $738,000 | 4,953 |
| Pre-tax net operating income | $1,897,000 | 3,482 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $625,000 | 3,292 |
| Income before extraordinary items | $1,272,000 | 3,748 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,272,000 | 3,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 9,719 |
| Cash dividends | $60,000 | 6,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,272,000 | 3,662 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,152,000 | 6,519 |
| Total interest expense | $1,458,000 | 7,446 |
| Net interest income | $2,694,000 | 5,772 |
| Provision for loan and lease losses | $104,000 | 5,080 |
| Total noninterest income | $738,000 | 3,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $572,000 | 2,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,423 |
| Total noninterest expense | $1,898,000 | 5,855 |
| Salaries and employee benefits | $1,131,000 | 5,352 |
| Premises and equipment expense | $100,000 | 8,967 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $1,430,000 | 4,657 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $454,000 | 4,502 |
| Income before extraordinary items | $976,000 | 4,779 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $976,000 | 4,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $40,000 | 7,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $976,000 | 4,719 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,536,000 | 7,344 |
| Total interest expense | $1,313,000 | 8,069 |
| Net interest income | $2,223,000 | 6,719 |
| Provision for loan and lease losses | $57,000 | 6,361 |
| Total noninterest income | $518,000 | 5,044 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $450,000 | 3,009 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 8,163 |
| Total noninterest expense | $1,584,000 | 6,879 |
| Salaries and employee benefits | $952,000 | 6,211 |
| Premises and equipment expense | $89,000 | 9,582 |
| Additional noninterest expense | $543,000 | 6,739 |
| Pre-tax net operating income | $1,100,000 | 5,414 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $342,000 | 5,408 |
| Income before extraordinary items | $758,000 | 5,479 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $758,000 | 5,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $40,000 | 7,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $758,000 | 5,427 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,197,000 | 7,930 |
| Total interest expense | $1,127,000 | 8,822 |
| Net interest income | $2,070,000 | 7,149 |
| Provision for loan and lease losses | $81,000 | 5,069 |
| Total noninterest income | $496,000 | 5,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $396,000 | 3,397 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,238 |
| Total noninterest expense | $1,430,000 | 7,490 |
| Salaries and employee benefits | $839,000 | 6,898 |
| Premises and equipment expense | $82,000 | 10,145 |
| Additional noninterest expense | $509,000 | 7,182 |
| Pre-tax net operating income | $1,055,000 | 5,769 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $314,000 | 5,842 |
| Income before extraordinary items | $741,000 | 5,758 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $741,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,798 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $741,000 | 5,735 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,737,000 | 8,488 |
| Total interest expense | $838,000 | 9,402 |
| Net interest income | $1,901,000 | 7,800 |
| Provision for loan and lease losses | $43,000 | 6,473 |
| Total noninterest income | $421,000 | 5,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,448 |
| Total noninterest expense | $1,415,000 | 7,866 |
| Salaries and employee benefits | $771,000 | 7,371 |
| Premises and equipment expense | $74,000 | 10,838 |
| Additional noninterest expense | $570,000 | 7,260 |
| Pre-tax net operating income | $864,000 | 6,568 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $248,000 | 6,570 |
| Income before extraordinary items | $618,000 | 6,410 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $618,000 | 6,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,696 |
| Cash dividends | $40,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $616,580 | 6,485 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,504,000 | 9,178 |
| Total interest expense | $829,000 | 9,887 |
| Net interest income | $1,675,000 | 8,566 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $384,000 | 6,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $282,000 | 4,661 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,802 |
| Total noninterest expense | $1,313,000 | 8,466 |
| Salaries and employee benefits | $712,000 | 7,924 |
| Premises and equipment expense | $69,000 | 11,541 |
| Additional noninterest expense | $532,000 | 7,934 |
| Pre-tax net operating income | $736,000 | 7,173 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $228,000 | 7,136 |
| Income before extraordinary items | $508,000 | 7,478 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $508,000 | 7,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 11,729 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $508,000 | 7,234 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,789,000 | 9,351 |
| Total interest expense | $1,022,000 | 10,303 |
| Net interest income | $1,767,000 | 8,448 |
| Provision for loan and lease losses | $38,000 | 9,593 |
| Total noninterest income | $359,000 | 6,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,862 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,401 |
| Total noninterest expense | $1,368,000 | 8,412 |
| Salaries and employee benefits | $809,000 | 7,208 |
| Premises and equipment expense | $59,000 | 12,326 |
| Additional noninterest expense | $500,000 | 8,462 |
| Pre-tax net operating income | $720,000 | 6,995 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $224,000 | 7,109 |
| Income before extraordinary items | $496,000 | 7,369 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $496,000 | 7,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 8,127 |
| Cash dividends | $20,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $496,000 | 6,979 |
* 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.