Home > Metro Bank of Dade County > Income and Expense
Metro Bank of Dade County, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,665,000 | 2,339 |
| Total interest expense | $3,502,000 | 1,273 |
| Net interest income | $3,163,000 | 3,395 |
| Provision for loan and lease losses | $26,249,000 | 172 |
| Total noninterest income | $1,566,000 | 1,465 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $488,000 | 1,593 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,078,000 | 1,227 |
| Total noninterest expense | $6,407,000 | 1,539 |
| Salaries and employee benefits | $2,405,000 | 2,020 |
| Premises and equipment expense | $889,000 | 1,479 |
| Additional noninterest expense | $3,113,000 | 1,149 |
| Pre-tax net operating income | $-27,927,000 | 7,778 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-782,000 | 7,571 |
| Income before extraordinary items | $-27,145,000 | 7,774 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-27,145,000 | 7,774 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-27,145,000 | 7,774 |
| Net charge-offs | $21,097,000 | 193 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-27,145,000 | 7,774 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,524,000 | 2,279 |
| Total interest expense | $1,918,000 | 1,217 |
| Net interest income | $1,606,000 | 3,371 |
| Provision for loan and lease losses | $9,597,000 | 230 |
| Total noninterest income | $739,000 | 1,523 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $244,000 | 1,599 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $495,000 | 1,309 |
| Total noninterest expense | $3,120,000 | 1,606 |
| Salaries and employee benefits | $1,216,000 | 2,028 |
| Premises and equipment expense | $452,000 | 1,494 |
| Additional noninterest expense | $1,452,000 | 1,212 |
| Pre-tax net operating income | $-10,372,000 | 7,850 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-782,000 | 7,761 |
| Income before extraordinary items | $-9,590,000 | 7,848 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-9,590,000 | 7,849 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-9,590,000 | 7,849 |
| Net charge-offs | $6,267,000 | 280 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-9,590,000 | 7,848 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,856,000 | 2,012 |
| Total interest expense | $10,394,000 | 1,148 |
| Net interest income | $6,462,000 | 3,252 |
| Provision for loan and lease losses | $26,032,000 | 405 |
| Total noninterest income | $1,177,000 | 3,022 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,171,000 | 1,467 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $6,000 | 7,277 |
| Total noninterest expense | $11,292,000 | 1,806 |
| Salaries and employee benefits | $5,046,000 | 1,955 |
| Premises and equipment expense | $1,923,000 | 1,418 |
| Additional noninterest expense | $4,323,000 | 1,728 |
| Pre-tax net operating income | $-29,685,000 | 7,796 |
| Securities gains (losses) | $251,000 | 1,379 |
| Applicable income taxes | $-4,442,000 | 7,733 |
| Income before extraordinary items | $-24,992,000 | 7,783 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-24,992,000 | 7,780 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-24,992,000 | 7,782 |
| Net charge-offs | $17,336,000 | 455 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-25,205,350 | 7,787 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,971,000 | 1,992 |
| Total interest expense | $8,101,000 | 1,156 |
| Net interest income | $4,870,000 | 3,251 |
| Provision for loan and lease losses | $10,730,000 | 589 |
| Total noninterest income | $2,965,000 | 1,331 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $882,000 | 1,462 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,083,000 | 1,118 |
| Total noninterest expense | $8,143,000 | 1,866 |
| Salaries and employee benefits | $3,798,000 | 1,956 |
| Premises and equipment expense | $1,450,000 | 1,421 |
| Additional noninterest expense | $2,895,000 | 1,850 |
| Pre-tax net operating income | $-11,038,000 | 7,768 |
| Securities gains (losses) | $25,000 | 2,648 |
| Applicable income taxes | $-4,130,000 | 7,874 |
| Income before extraordinary items | $-6,883,000 | 7,683 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,883,000 | 7,682 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,883,000 | 7,682 |
| Net charge-offs | $5,689,000 | 742 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-6,899,000 | 7,691 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,824,000 | 1,990 |
| Total interest expense | $5,672,000 | 1,164 |
| Net interest income | $3,152,000 | 3,320 |
| Provision for loan and lease losses | $3,480,000 | 989 |
| Total noninterest income | $2,021,000 | 1,328 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $590,000 | 1,439 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,431,000 | 1,141 |
| Total noninterest expense | $5,494,000 | 1,874 |
| Salaries and employee benefits | $2,566,000 | 1,969 |
| Premises and equipment expense | $966,000 | 1,450 |
| Additional noninterest expense | $1,962,000 | 1,837 |
| Pre-tax net operating income | $-3,801,000 | 7,646 |
| Securities gains (losses) | $25,000 | 2,233 |
| Applicable income taxes | $-1,416,000 | 7,826 |
| Income before extraordinary items | $-2,360,000 | 7,545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,360,000 | 7,544 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,360,000 | 7,544 |
| Net charge-offs | $1,152,000 | 1,538 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,376,000 | 7,561 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,404,000 | 2,020 |
| Total interest expense | $2,888,000 | 1,192 |
| Net interest income | $1,516,000 | 3,418 |
| Provision for loan and lease losses | $1,500,000 | 913 |
| Total noninterest income | $1,060,000 | 1,224 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $303,000 | 1,361 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $757,000 | 1,059 |
| Total noninterest expense | $2,624,000 | 1,895 |
| Salaries and employee benefits | $1,308,000 | 1,967 |
| Premises and equipment expense | $476,000 | 1,495 |
| Additional noninterest expense | $840,000 | 1,910 |
| Pre-tax net operating income | $-1,548,000 | 7,758 |
| Securities gains (losses) | $25,000 | 1,589 |
| Applicable income taxes | $-571,000 | 7,900 |
| Income before extraordinary items | $-952,000 | 7,686 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-952,000 | 7,687 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-952,000 | 7,687 |
| Net charge-offs | $50,000 | 3,538 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-968,000 | 7,691 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $23,844,000 | 1,623 |
| Total interest expense | $10,678,000 | 1,520 |
| Net interest income | $13,166,000 | 1,688 |
| Provision for loan and lease losses | $5,634,000 | 926 |
| Total noninterest income | $3,324,000 | 1,457 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,454,000 | 1,239 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,870,000 | 1,364 |
| Total noninterest expense | $10,433,000 | 1,854 |
| Salaries and employee benefits | $5,466,000 | 1,861 |
| Premises and equipment expense | $1,939,000 | 1,425 |
| Additional noninterest expense | $3,028,000 | 1,994 |
| Pre-tax net operating income | $423,000 | 5,083 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $159,000 | 3,018 |
| Income before extraordinary items | $264,000 | 5,248 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $264,000 | 5,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,047,000 | 807 |
| Cash dividends | $225,000 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $264,000 | 5,407 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $18,677,000 | 1,596 |
| Total interest expense | $8,125,000 | 1,560 |
| Net interest income | $10,552,000 | 1,603 |
| Provision for loan and lease losses | $2,000,000 | 1,187 |
| Total noninterest income | $2,440,000 | 1,527 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,115,000 | 1,219 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,325,000 | 1,485 |
| Total noninterest expense | $8,019,000 | 1,803 |
| Salaries and employee benefits | $4,351,000 | 1,781 |
| Premises and equipment expense | $1,450,000 | 1,439 |
| Additional noninterest expense | $2,218,000 | 1,962 |
| Pre-tax net operating income | $2,973,000 | 1,639 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,115,000 | 1,061 |
| Income before extraordinary items | $1,858,000 | 1,911 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,858,000 | 1,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $566,000 | 1,824 |
| Cash dividends | $225,000 | 3,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,858,000 | 2,006 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,475,000 | 1,620 |
| Total interest expense | $5,481,000 | 1,598 |
| Net interest income | $6,994,000 | 1,606 |
| Provision for loan and lease losses | $800,000 | 1,417 |
| Total noninterest income | $1,601,000 | 1,569 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $754,000 | 1,183 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $847,000 | 1,573 |
| Total noninterest expense | $5,283,000 | 1,822 |
| Salaries and employee benefits | $2,869,000 | 1,819 |
| Premises and equipment expense | $970,000 | 1,430 |
| Additional noninterest expense | $1,444,000 | 1,995 |
| Pre-tax net operating income | $2,512,000 | 1,372 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $942,000 | 988 |
| Income before extraordinary items | $1,570,000 | 1,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,570,000 | 1,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,535 |
| Cash dividends | $225,000 | 3,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,570,000 | 1,695 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,375,000 | 1,632 |
| Total interest expense | $2,787,000 | 1,686 |
| Net interest income | $3,588,000 | 1,555 |
| Provision for loan and lease losses | $300,000 | 1,372 |
| Total noninterest income | $707,000 | 1,736 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $382,000 | 1,150 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $325,000 | 1,876 |
| Total noninterest expense | $2,626,000 | 1,835 |
| Salaries and employee benefits | $1,462,000 | 1,803 |
| Premises and equipment expense | $482,000 | 1,442 |
| Additional noninterest expense | $682,000 | 2,056 |
| Pre-tax net operating income | $1,369,000 | 1,373 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $513,000 | 990 |
| Income before extraordinary items | $856,000 | 1,723 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $856,000 | 1,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 1,169 |
| Cash dividends | $175,000 | 2,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $856,000 | 1,658 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $25,973,000 | 1,661 |
| Total interest expense | $9,466,000 | 2,025 |
| Net interest income | $16,507,000 | 1,357 |
| Provision for loan and lease losses | $840,000 | 1,621 |
| Total noninterest income | $1,702,000 | 2,487 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,214,000 | 1,478 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $488,000 | 3,359 |
| Total noninterest expense | $9,727,000 | 1,905 |
| Salaries and employee benefits | $5,316,000 | 1,898 |
| Premises and equipment expense | $1,832,000 | 1,458 |
| Additional noninterest expense | $2,579,000 | 2,127 |
| Pre-tax net operating income | $7,642,000 | 1,105 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,874,000 | 845 |
| Income before extraordinary items | $4,768,000 | 1,349 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,768,000 | 1,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,114 |
| Cash dividends | $650,000 | 3,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,768,000 | 1,339 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,898,000 | 1,712 |
| Total interest expense | $6,603,000 | 2,148 |
| Net interest income | $12,295,000 | 1,373 |
| Provision for loan and lease losses | $540,000 | 1,467 |
| Total noninterest income | $1,195,000 | 2,591 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $829,000 | 1,593 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $366,000 | 3,370 |
| Total noninterest expense | $7,251,000 | 1,891 |
| Salaries and employee benefits | $3,896,000 | 1,931 |
| Premises and equipment expense | $1,383,000 | 1,441 |
| Additional noninterest expense | $1,972,000 | 2,038 |
| Pre-tax net operating income | $5,699,000 | 1,201 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,137,000 | 916 |
| Income before extraordinary items | $3,562,000 | 1,435 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,562,000 | 1,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,959 |
| Cash dividends | $475,000 | 3,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,562,000 | 1,427 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,930,000 | 1,808 |
| Total interest expense | $3,923,000 | 2,363 |
| Net interest income | $8,007,000 | 1,429 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $740,000 | 2,720 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $493,000 | 1,771 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $247,000 | 3,376 |
| Total noninterest expense | $4,725,000 | 1,955 |
| Salaries and employee benefits | $2,507,000 | 2,029 |
| Premises and equipment expense | $914,000 | 1,458 |
| Additional noninterest expense | $1,304,000 | 2,067 |
| Pre-tax net operating income | $3,722,000 | 1,276 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,396,000 | 976 |
| Income before extraordinary items | $2,326,000 | 1,502 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,326,000 | 1,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,723 |
| Cash dividends | $350,000 | 2,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,326,000 | 1,483 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,716,000 | 1,874 |
| Total interest expense | $1,871,000 | 2,442 |
| Net interest income | $3,845,000 | 1,485 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $336,000 | 2,891 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $217,000 | 1,931 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $119,000 | 3,446 |
| Total noninterest expense | $2,336,000 | 1,976 |
| Salaries and employee benefits | $1,244,000 | 2,065 |
| Premises and equipment expense | $461,000 | 1,451 |
| Additional noninterest expense | $631,000 | 2,080 |
| Pre-tax net operating income | $1,695,000 | 1,382 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $636,000 | 1,058 |
| Income before extraordinary items | $1,059,000 | 1,626 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,059,000 | 1,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,059,000 | 1,614 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,631,000 | 1,924 |
| Total interest expense | $5,235,000 | 2,921 |
| Net interest income | $15,396,000 | 1,483 |
| Provision for loan and lease losses | $585,000 | 1,668 |
| Total noninterest income | $1,259,000 | 3,028 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $817,000 | 2,084 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $442,000 | 3,565 |
| Total noninterest expense | $8,797,000 | 2,005 |
| Salaries and employee benefits | $4,622,000 | 2,114 |
| Premises and equipment expense | $1,866,000 | 1,380 |
| Additional noninterest expense | $2,309,000 | 2,253 |
| Pre-tax net operating income | $7,273,000 | 1,351 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,756,000 | 1,020 |
| Income before extraordinary items | $4,517,000 | 1,606 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,517,000 | 1,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,270 |
| Cash dividends | $365,000 | 4,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,517,000 | 1,588 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,856,000 | 1,987 |
| Total interest expense | $3,441,000 | 3,158 |
| Net interest income | $11,415,000 | 1,518 |
| Provision for loan and lease losses | $435,000 | 1,584 |
| Total noninterest income | $946,000 | 3,045 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $613,000 | 2,083 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $333,000 | 3,536 |
| Total noninterest expense | $6,545,000 | 2,020 |
| Salaries and employee benefits | $3,419,000 | 2,151 |
| Premises and equipment expense | $1,374,000 | 1,418 |
| Additional noninterest expense | $1,752,000 | 2,224 |
| Pre-tax net operating income | $5,381,000 | 1,422 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,018,000 | 1,091 |
| Income before extraordinary items | $3,363,000 | 1,652 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,363,000 | 1,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,263 |
| Cash dividends | $275,000 | 3,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,363,000 | 1,637 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,248,000 | 2,086 |
| Total interest expense | $1,995,000 | 3,386 |
| Net interest income | $7,253,000 | 1,597 |
| Provision for loan and lease losses | $235,000 | 1,870 |
| Total noninterest income | $616,000 | 3,064 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $391,000 | 2,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $225,000 | 3,515 |
| Total noninterest expense | $4,332,000 | 2,029 |
| Salaries and employee benefits | $2,260,000 | 2,172 |
| Premises and equipment expense | $912,000 | 1,427 |
| Additional noninterest expense | $1,160,000 | 2,242 |
| Pre-tax net operating income | $3,302,000 | 1,524 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,238,000 | 1,167 |
| Income before extraordinary items | $2,064,000 | 1,764 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,064,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,393 |
| Cash dividends | $275,000 | 3,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,064,000 | 1,753 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,363,000 | 2,153 |
| Total interest expense | $937,000 | 3,425 |
| Net interest income | $3,426,000 | 1,682 |
| Provision for loan and lease losses | $105,000 | 1,911 |
| Total noninterest income | $313,000 | 3,001 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $195,000 | 2,087 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $118,000 | 3,406 |
| Total noninterest expense | $2,147,000 | 2,060 |
| Salaries and employee benefits | $1,119,000 | 2,202 |
| Premises and equipment expense | $459,000 | 1,420 |
| Additional noninterest expense | $569,000 | 2,261 |
| Pre-tax net operating income | $1,487,000 | 1,640 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $558,000 | 1,269 |
| Income before extraordinary items | $929,000 | 1,917 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $929,000 | 1,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,127 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $929,000 | 1,895 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,001,000 | 2,360 |
| Total interest expense | $2,214,000 | 4,136 |
| Net interest income | $11,787,000 | 1,867 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $1,526,000 | 2,658 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,066,000 | 1,634 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $460,000 | 3,521 |
| Total noninterest expense | $8,128,000 | 2,056 |
| Salaries and employee benefits | $4,294,000 | 2,144 |
| Premises and equipment expense | $1,788,000 | 1,374 |
| Additional noninterest expense | $2,046,000 | 2,434 |
| Pre-tax net operating income | $4,885,000 | 1,905 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $1,826,000 | 1,466 |
| Income before extraordinary items | $3,057,000 | 2,211 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,057,000 | 2,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,747 |
| Cash dividends | $275,000 | 4,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,058,280 | 2,181 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,020,000 | 2,413 |
| Total interest expense | $1,482,000 | 4,331 |
| Net interest income | $8,538,000 | 1,928 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $1,178,000 | 2,615 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $823,000 | 1,577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $355,000 | 3,503 |
| Total noninterest expense | $6,080,000 | 2,038 |
| Salaries and employee benefits | $3,171,000 | 2,152 |
| Premises and equipment expense | $1,349,000 | 1,352 |
| Additional noninterest expense | $1,560,000 | 2,355 |
| Pre-tax net operating income | $3,411,000 | 2,027 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $1,278,000 | 1,564 |
| Income before extraordinary items | $2,131,000 | 2,371 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,131,000 | 2,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,945 |
| Cash dividends | $275,000 | 3,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,132,280 | 2,340 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,441,000 | 2,443 |
| Total interest expense | $894,000 | 4,461 |
| Net interest income | $5,547,000 | 1,953 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $784,000 | 2,577 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $552,000 | 1,524 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $232,000 | 3,499 |
| Total noninterest expense | $4,026,000 | 2,045 |
| Salaries and employee benefits | $2,091,000 | 2,162 |
| Premises and equipment expense | $893,000 | 1,353 |
| Additional noninterest expense | $1,042,000 | 2,338 |
| Pre-tax net operating income | $2,155,000 | 2,067 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $807,000 | 1,609 |
| Income before extraordinary items | $1,346,000 | 2,405 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,346,000 | 2,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,220 |
| Cash dividends | $275,000 | 3,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,347,280 | 2,380 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,107,000 | 2,492 |
| Total interest expense | $407,000 | 4,626 |
| Net interest income | $2,700,000 | 1,996 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $416,000 | 2,434 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $291,000 | 1,418 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $125,000 | 3,316 |
| Total noninterest expense | $2,066,000 | 2,004 |
| Salaries and employee benefits | $1,124,000 | 2,029 |
| Premises and equipment expense | $433,000 | 1,401 |
| Additional noninterest expense | $509,000 | 2,388 |
| Pre-tax net operating income | $975,000 | 2,208 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $366,000 | 1,713 |
| Income before extraordinary items | $609,000 | 2,583 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $609,000 | 2,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,991 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $609,000 | 2,543 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,884,000 | 2,614 |
| Total interest expense | $1,617,000 | 4,299 |
| Net interest income | $9,267,000 | 2,202 |
| Provision for loan and lease losses | $300,000 | 2,900 |
| Total noninterest income | $1,582,000 | 2,591 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,174,000 | 1,502 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $408,000 | 3,677 |
| Total noninterest expense | $7,975,000 | 2,012 |
| Salaries and employee benefits | $4,210,000 | 2,075 |
| Premises and equipment expense | $1,705,000 | 1,360 |
| Additional noninterest expense | $2,060,000 | 2,356 |
| Pre-tax net operating income | $2,574,000 | 2,939 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,035,000 | 2,100 |
| Income before extraordinary items | $1,539,000 | 3,576 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,539,000 | 3,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,728 |
| Cash dividends | $200,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,539,000 | 3,511 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,968,000 | 2,643 |
| Total interest expense | $1,225,000 | 4,219 |
| Net interest income | $6,743,000 | 2,241 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $1,208,000 | 2,564 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $893,000 | 1,493 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $315,000 | 3,643 |
| Total noninterest expense | $6,118,000 | 1,964 |
| Salaries and employee benefits | $3,201,000 | 2,033 |
| Premises and equipment expense | $1,281,000 | 1,346 |
| Additional noninterest expense | $1,636,000 | 2,211 |
| Pre-tax net operating income | $1,608,000 | 3,425 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $603,000 | 2,566 |
| Income before extraordinary items | $1,005,000 | 3,981 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,005,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,568 |
| Cash dividends | $200,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,005,000 | 3,918 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 2,656 |
| Total interest expense | $876,000 | 4,005 |
| Net interest income | $4,379,000 | 2,286 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $797,000 | 2,601 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $583,000 | 1,508 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $214,000 | 3,611 |
| Total noninterest expense | $4,095,000 | 1,957 |
| Salaries and employee benefits | $2,133,000 | 2,044 |
| Premises and equipment expense | $843,000 | 1,365 |
| Additional noninterest expense | $1,119,000 | 2,155 |
| Pre-tax net operating income | $931,000 | 3,707 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $349,000 | 2,808 |
| Income before extraordinary items | $582,000 | 4,335 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $582,000 | 4,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,000 |
| Cash dividends | $200,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $582,000 | 4,238 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 2,624 |
| Total interest expense | $454,000 | 3,947 |
| Net interest income | $2,200,000 | 2,273 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $393,000 | 2,571 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $297,000 | 1,439 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $96,000 | 3,801 |
| Total noninterest expense | $2,056,000 | 1,953 |
| Salaries and employee benefits | $1,073,000 | 2,048 |
| Premises and equipment expense | $421,000 | 1,385 |
| Additional noninterest expense | $562,000 | 2,106 |
| Pre-tax net operating income | $462,000 | 3,726 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $173,000 | 2,822 |
| Income before extraordinary items | $289,000 | 4,369 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $289,000 | 4,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,824 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $289,000 | 4,242 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,369,000 | 2,504 |
| Total interest expense | $2,510,000 | 3,324 |
| Net interest income | $8,859,000 | 2,178 |
| Provision for loan and lease losses | $497,000 | 2,182 |
| Total noninterest income | $1,800,000 | 2,493 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,346,000 | 1,290 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $454,000 | 3,745 |
| Total noninterest expense | $8,950,000 | 1,774 |
| Salaries and employee benefits | $5,131,000 | 1,679 |
| Premises and equipment expense | $1,681,000 | 1,351 |
| Additional noninterest expense | $2,138,000 | 2,260 |
| Pre-tax net operating income | $1,212,000 | 4,667 |
| Securities gains (losses) | $76,000 | 2,141 |
| Applicable income taxes | $368,000 | 3,943 |
| Income before extraordinary items | $920,000 | 4,880 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $920,000 | 4,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 1,983 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $866,040 | 4,874 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,686,000 | 2,496 |
| Total interest expense | $1,987,000 | 3,313 |
| Net interest income | $6,699,000 | 2,181 |
| Provision for loan and lease losses | $195,000 | 3,379 |
| Total noninterest income | $1,369,000 | 2,521 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,036,000 | 1,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $333,000 | 3,866 |
| Total noninterest expense | $6,590,000 | 1,808 |
| Salaries and employee benefits | $3,543,000 | 1,830 |
| Premises and equipment expense | $1,290,000 | 1,337 |
| Additional noninterest expense | $1,757,000 | 2,036 |
| Pre-tax net operating income | $1,283,000 | 3,892 |
| Securities gains (losses) | $76,000 | 1,981 |
| Applicable income taxes | $510,000 | 2,986 |
| Income before extraordinary items | $849,000 | 4,447 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $849,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,148 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $800,360 | 4,423 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,932,000 | 2,465 |
| Total interest expense | $1,369,000 | 3,311 |
| Net interest income | $4,563,000 | 2,139 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $904,000 | 2,523 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $685,000 | 1,261 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $219,000 | 3,875 |
| Total noninterest expense | $4,325,000 | 1,826 |
| Salaries and employee benefits | $2,266,000 | 1,893 |
| Premises and equipment expense | $869,000 | 1,319 |
| Additional noninterest expense | $1,190,000 | 2,013 |
| Pre-tax net operating income | $1,022,000 | 3,475 |
| Securities gains (losses) | $76,000 | 1,726 |
| Applicable income taxes | $412,000 | 2,628 |
| Income before extraordinary items | $686,000 | 3,921 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $686,000 | 3,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $637,360 | 3,927 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,978,000 | 2,474 |
| Total interest expense | $694,000 | 3,345 |
| Net interest income | $2,284,000 | 2,138 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $443,000 | 2,503 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $337,000 | 1,237 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $106,000 | 3,823 |
| Total noninterest expense | $2,183,000 | 1,799 |
| Salaries and employee benefits | $1,143,000 | 1,865 |
| Premises and equipment expense | $438,000 | 1,316 |
| Additional noninterest expense | $602,000 | 1,957 |
| Pre-tax net operating income | $499,000 | 3,499 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $187,000 | 2,815 |
| Income before extraordinary items | $312,000 | 4,123 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $312,000 | 4,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $312,000 | 3,933 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,225,000 | 2,522 |
| Total interest expense | $3,111,000 | 3,441 |
| Net interest income | $9,114,000 | 2,127 |
| Provision for loan and lease losses | $264,000 | 3,738 |
| Total noninterest income | $1,867,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,405,000 | 1,147 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $462,000 | 3,432 |
| Total noninterest expense | $8,499,000 | 1,784 |
| Salaries and employee benefits | $4,583,000 | 1,746 |
| Premises and equipment expense | $1,703,000 | 1,291 |
| Additional noninterest expense | $2,213,000 | 2,092 |
| Pre-tax net operating income | $2,218,000 | 3,185 |
| Securities gains (losses) | $689,000 | 532 |
| Applicable income taxes | $1,097,000 | 2,069 |
| Income before extraordinary items | $1,810,000 | 3,018 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,810,000 | 3,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,649 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,369,040 | 3,638 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,818,000 | 2,478 |
| Total interest expense | $4,797,000 | 3,264 |
| Net interest income | $9,021,000 | 1,970 |
| Provision for loan and lease losses | $375,000 | 2,752 |
| Total noninterest income | $1,971,000 | 2,040 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,473,000 | 1,009 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $498,000 | 3,138 |
| Total noninterest expense | $8,099,000 | 1,791 |
| Salaries and employee benefits | $4,578,000 | 1,638 |
| Premises and equipment expense | $1,577,000 | 1,356 |
| Additional noninterest expense | $1,944,000 | 2,300 |
| Pre-tax net operating income | $2,518,000 | 2,652 |
| Securities gains (losses) | $-49,000 | 9,442 |
| Applicable income taxes | $930,000 | 2,180 |
| Income before extraordinary items | $1,539,000 | 3,163 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,539,000 | 3,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,715 |
| Cash dividends | $125,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,570,360 | 3,019 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,940,000 | 2,492 |
| Total interest expense | $4,696,000 | 3,490 |
| Net interest income | $9,244,000 | 1,903 |
| Provision for loan and lease losses | $375,000 | 2,395 |
| Total noninterest income | $1,865,000 | 1,978 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,467,000 | 916 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $398,000 | 3,353 |
| Total noninterest expense | $8,101,000 | 1,717 |
| Salaries and employee benefits | $4,887,000 | 1,450 |
| Premises and equipment expense | $1,376,000 | 1,512 |
| Additional noninterest expense | $1,838,000 | 2,338 |
| Pre-tax net operating income | $2,633,000 | 2,651 |
| Securities gains (losses) | $-110,000 | 9,444 |
| Applicable income taxes | $829,000 | 2,449 |
| Income before extraordinary items | $1,694,000 | 2,942 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,694,000 | 2,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,816 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,767,700 | 2,836 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,270,000 | 2,655 |
| Total interest expense | $4,310,000 | 3,374 |
| Net interest income | $7,960,000 | 2,205 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $1,638,000 | 2,159 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,371,000 | 968 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $267,000 | 4,291 |
| Total noninterest expense | $7,568,000 | 1,833 |
| Salaries and employee benefits | $3,980,000 | 1,734 |
| Premises and equipment expense | $1,430,000 | 1,428 |
| Additional noninterest expense | $2,158,000 | 2,022 |
| Pre-tax net operating income | $1,730,000 | 3,724 |
| Securities gains (losses) | $34,000 | 1,140 |
| Applicable income taxes | $663,000 | 3,007 |
| Income before extraordinary items | $1,101,000 | 4,143 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,101,000 | 4,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,239 |
| Cash dividends | $118,000 | 5,928 |
| Sale, conversion, retirement of capital stock, net | $750,000 | 553 |
| Net operating income | $1,079,240 | 4,164 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,937,000 | 2,955 |
| Total interest expense | $4,449,000 | 3,337 |
| Net interest income | $6,488,000 | 2,636 |
| Provision for loan and lease losses | $204,000 | 3,472 |
| Total noninterest income | $1,473,000 | 2,294 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,195,000 | 1,043 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $278,000 | 4,184 |
| Total noninterest expense | $6,447,000 | 2,036 |
| Salaries and employee benefits | $3,591,000 | 1,859 |
| Premises and equipment expense | $1,267,000 | 1,546 |
| Additional noninterest expense | $1,589,000 | 2,640 |
| Pre-tax net operating income | $1,310,000 | 4,585 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $493,000 | 3,875 |
| Income before extraordinary items | $817,000 | 5,123 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $817,000 | 5,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,028 |
| Cash dividends | $1,623,000 | 1,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $817,000 | 5,034 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,647,000 | 3,350 |
| Total interest expense | $3,992,000 | 3,682 |
| Net interest income | $5,655,000 | 3,085 |
| Provision for loan and lease losses | $102,000 | 5,114 |
| Total noninterest income | $1,191,000 | 2,646 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $989,000 | 1,299 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $202,000 | 4,932 |
| Total noninterest expense | $5,123,000 | 2,507 |
| Salaries and employee benefits | $2,715,000 | 2,450 |
| Premises and equipment expense | $946,000 | 2,085 |
| Additional noninterest expense | $1,462,000 | 2,796 |
| Pre-tax net operating income | $1,621,000 | 4,193 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $631,000 | 3,524 |
| Income before extraordinary items | $990,000 | 4,742 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $990,000 | 4,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $122,000 | 6,210 |
| Sale, conversion, retirement of capital stock, net | $612,000 | 511 |
| Net operating income | $990,000 | 4,681 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,601,000 | 3,769 |
| Total interest expense | $3,912,000 | 3,791 |
| Net interest income | $4,689,000 | 3,761 |
| Provision for loan and lease losses | $82,000 | 5,565 |
| Total noninterest income | $1,115,000 | 2,851 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $934,000 | 1,440 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $181,000 | 5,448 |
| Total noninterest expense | $4,307,000 | 3,133 |
| Salaries and employee benefits | $2,199,000 | 3,039 |
| Premises and equipment expense | $859,000 | 2,302 |
| Additional noninterest expense | $1,249,000 | 3,653 |
| Pre-tax net operating income | $1,415,000 | 4,541 |
| Securities gains (losses) | $-27,000 | 10,789 |
| Applicable income taxes | $521,000 | 4,019 |
| Income before extraordinary items | $867,000 | 4,996 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $867,000 | 4,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,297 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,093,000 | 361 |
| Net operating income | $884,280 | 4,883 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,321,000 | 4,378 |
| Total interest expense | $3,029,000 | 4,711 |
| Net interest income | $4,292,000 | 4,075 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $1,017,000 | 3,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $863,000 | 1,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,906 |
| Total noninterest expense | $4,034,000 | 3,301 |
| Salaries and employee benefits | $2,074,000 | 3,199 |
| Premises and equipment expense | $777,000 | 2,563 |
| Additional noninterest expense | $1,183,000 | 3,784 |
| Pre-tax net operating income | $1,215,000 | 5,202 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $457,000 | 4,482 |
| Income before extraordinary items | $758,000 | 5,668 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $758,000 | 5,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 598 |
| Net operating income | $758,000 | 5,647 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,455,000 | 4,549 |
| Total interest expense | $2,007,000 | 5,599 |
| Net interest income | $4,448,000 | 3,960 |
| Provision for loan and lease losses | $46,000 | 6,340 |
| Total noninterest income | $847,000 | 3,532 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $672,000 | 2,011 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,718 |
| Total noninterest expense | $3,588,000 | 3,766 |
| Salaries and employee benefits | $1,774,000 | 3,669 |
| Premises and equipment expense | $585,000 | 3,345 |
| Additional noninterest expense | $1,229,000 | 3,970 |
| Pre-tax net operating income | $1,661,000 | 4,038 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $623,000 | 3,401 |
| Income before extraordinary items | $1,033,000 | 4,415 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,033,000 | 4,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 11,116 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 835 |
| Net operating income | $1,036,200 | 4,455 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,098,000 | 4,882 |
| Total interest expense | $1,659,000 | 6,718 |
| Net interest income | $4,439,000 | 3,993 |
| Provision for loan and lease losses | $72,000 | 6,563 |
| Total noninterest income | $789,000 | 4,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $618,000 | 2,223 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 6,152 |
| Total noninterest expense | $3,711,000 | 3,730 |
| Salaries and employee benefits | $1,705,000 | 3,808 |
| Premises and equipment expense | $685,000 | 2,943 |
| Additional noninterest expense | $1,321,000 | 3,884 |
| Pre-tax net operating income | $1,445,000 | 4,464 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $544,000 | 3,887 |
| Income before extraordinary items | $901,000 | 5,090 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $901,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $901,000 | 4,869 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,232,000 | 5,314 |
| Total interest expense | $2,164,000 | 6,708 |
| Net interest income | $4,068,000 | 4,377 |
| Provision for loan and lease losses | $230,000 | 4,844 |
| Total noninterest income | $754,000 | 4,148 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,251 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,738 |
| Total noninterest expense | $3,477,000 | 3,950 |
| Salaries and employee benefits | $1,670,000 | 3,841 |
| Premises and equipment expense | $702,000 | 2,918 |
| Additional noninterest expense | $1,105,000 | 4,672 |
| Pre-tax net operating income | $1,115,000 | 5,205 |
| Securities gains (losses) | $52,000 | 4,050 |
| Applicable income taxes | $439,000 | 4,464 |
| Income before extraordinary items | $728,000 | 5,757 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $728,000 | 5,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 3,859 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $694,720 | 5,628 |
* 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.