Metrobank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $5,595,000 | 1,152 |
| Total interest expense | $248,000 | 3,169 |
| Net interest income | $5,347,000 | 1,015 |
| Provision for loan and lease losses | $2,500,000 | 175 |
| Total noninterest income | $-206,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $476,000 | 715 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-682,000 | 7,004 |
| Total noninterest expense | $9,435,000 | 563 |
| Salaries and employee benefits | $2,562,000 | 1,063 |
| Premises and equipment expense | $1,231,000 | 505 |
| Additional noninterest expense | $5,642,000 | 341 |
| Pre-tax net operating income | $-6,794,000 | 7,011 |
| Securities gains (losses) | $466,000 | 224 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-6,328,000 | 7,005 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-6,328,000 | 7,005 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-6,328,000 | 7,005 |
| Net charge-offs | $3,929,000 | 148 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-6,794,000 | 7,005 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $26,935,000 | 973 |
| Total interest expense | $2,397,000 | 1,818 |
| Net interest income | $24,538,000 | 877 |
| Provision for loan and lease losses | $21,789,000 | 154 |
| Total noninterest income | $1,905,000 | 2,264 |
| Gross Fiduciary activities income | $22,000 | 1,057 |
| Service charges on deposit accounts | $2,125,000 | 666 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-242,000 | 6,832 |
| Total noninterest expense | $35,238,000 | 597 |
| Salaries and employee benefits | $10,693,000 | 978 |
| Premises and equipment expense | $4,534,000 | 531 |
| Additional noninterest expense | $20,011,000 | 394 |
| Pre-tax net operating income | $-30,584,000 | 7,068 |
| Securities gains (losses) | $1,697,000 | 321 |
| Applicable income taxes | $28,232,000 | 144 |
| Income before extraordinary items | $-57,119,000 | 7,077 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-57,119,000 | 7,077 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-57,119,000 | 7,077 |
| Net charge-offs | $27,293,000 | 140 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-58,816,000 | 7,077 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $20,774,000 | 966 |
| Total interest expense | $2,021,000 | 1,702 |
| Net interest income | $18,753,000 | 864 |
| Provision for loan and lease losses | $17,499,000 | 148 |
| Total noninterest income | $1,543,000 | 2,141 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,633,000 | 658 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-90,000 | 6,896 |
| Total noninterest expense | $26,121,000 | 601 |
| Salaries and employee benefits | $8,237,000 | 947 |
| Premises and equipment expense | $3,234,000 | 559 |
| Additional noninterest expense | $14,650,000 | 397 |
| Pre-tax net operating income | $-23,324,000 | 7,172 |
| Securities gains (losses) | $684,000 | 591 |
| Applicable income taxes | $-7,946,000 | 7,160 |
| Income before extraordinary items | $-14,694,000 | 7,152 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-14,694,000 | 7,152 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-14,694,000 | 7,152 |
| Net charge-offs | $19,464,000 | 149 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-15,138,600 | 7,153 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $14,226,000 | 954 |
| Total interest expense | $1,490,000 | 1,616 |
| Net interest income | $12,736,000 | 852 |
| Provision for loan and lease losses | $13,039,000 | 130 |
| Total noninterest income | $1,089,000 | 2,036 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $1,083,000 | 657 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,000 | 6,571 |
| Total noninterest expense | $17,495,000 | 592 |
| Salaries and employee benefits | $5,621,000 | 933 |
| Premises and equipment expense | $2,147,000 | 560 |
| Additional noninterest expense | $9,727,000 | 398 |
| Pre-tax net operating income | $-16,709,000 | 7,240 |
| Securities gains (losses) | $670,000 | 416 |
| Applicable income taxes | $-5,620,000 | 7,231 |
| Income before extraordinary items | $-10,419,000 | 7,221 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-10,419,000 | 7,221 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-10,419,000 | 7,221 |
| Net charge-offs | $14,288,000 | 146 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-10,854,500 | 7,220 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $7,543,000 | 892 |
| Total interest expense | $789,000 | 1,589 |
| Net interest income | $6,754,000 | 811 |
| Provision for loan and lease losses | $8,239,000 | 111 |
| Total noninterest income | $865,000 | 1,451 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $565,000 | 631 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $300,000 | 2,098 |
| Total noninterest expense | $8,586,000 | 594 |
| Salaries and employee benefits | $2,916,000 | 891 |
| Premises and equipment expense | $1,217,000 | 492 |
| Additional noninterest expense | $4,453,000 | 413 |
| Pre-tax net operating income | $-9,206,000 | 7,306 |
| Securities gains (losses) | $525,000 | 264 |
| Applicable income taxes | $-3,056,000 | 7,297 |
| Income before extraordinary items | $-5,625,000 | 7,290 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-5,625,000 | 7,289 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-5,625,000 | 7,290 |
| Net charge-offs | $5,966,000 | 167 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-5,966,250 | 7,290 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $36,908,000 | 769 |
| Total interest expense | $3,913,000 | 1,553 |
| Net interest income | $32,995,000 | 653 |
| Provision for loan and lease losses | $43,109,000 | 123 |
| Total noninterest income | $-3,532,000 | 7,323 |
| Gross Fiduciary activities income | $20,000 | 1,031 |
| Service charges on deposit accounts | $2,254,000 | 651 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-5,806,000 | 7,337 |
| Total noninterest expense | $32,926,000 | 606 |
| Salaries and employee benefits | $11,076,000 | 886 |
| Premises and equipment expense | $5,112,000 | 489 |
| Additional noninterest expense | $16,738,000 | 457 |
| Pre-tax net operating income | $-46,572,000 | 7,346 |
| Securities gains (losses) | $1,085,000 | 410 |
| Applicable income taxes | $-16,007,000 | 7,345 |
| Income before extraordinary items | $-29,480,000 | 7,324 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-29,480,000 | 7,325 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-29,480,000 | 7,324 |
| Net charge-offs | $26,010,000 | 207 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-30,185,250 | 7,321 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $28,479,000 | 758 |
| Total interest expense | $2,994,000 | 1,580 |
| Net interest income | $25,485,000 | 635 |
| Provision for loan and lease losses | $36,957,000 | 110 |
| Total noninterest income | $-3,249,000 | 7,411 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,630,000 | 678 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-4,879,000 | 7,424 |
| Total noninterest expense | $25,504,000 | 591 |
| Salaries and employee benefits | $8,498,000 | 870 |
| Premises and equipment expense | $3,787,000 | 496 |
| Additional noninterest expense | $13,219,000 | 439 |
| Pre-tax net operating income | $-40,225,000 | 7,430 |
| Securities gains (losses) | $1,082,000 | 323 |
| Applicable income taxes | $-13,586,000 | 7,428 |
| Income before extraordinary items | $-25,557,000 | 7,414 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-25,557,000 | 7,413 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-25,557,000 | 7,413 |
| Net charge-offs | $16,805,000 | 224 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-26,260,300 | 7,412 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $19,423,000 | 743 |
| Total interest expense | $2,043,000 | 1,607 |
| Net interest income | $17,380,000 | 623 |
| Provision for loan and lease losses | $31,257,000 | 96 |
| Total noninterest income | $-3,788,000 | 7,497 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $990,000 | 742 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-4,778,000 | 7,505 |
| Total noninterest expense | $17,059,000 | 595 |
| Salaries and employee benefits | $5,751,000 | 867 |
| Premises and equipment expense | $2,533,000 | 503 |
| Additional noninterest expense | $8,775,000 | 445 |
| Pre-tax net operating income | $-34,724,000 | 7,503 |
| Securities gains (losses) | $15,000 | 2,213 |
| Applicable income taxes | $-12,027,000 | 7,505 |
| Income before extraordinary items | $-22,682,000 | 7,485 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-22,682,000 | 7,484 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-22,682,000 | 7,484 |
| Net charge-offs | $12,502,000 | 230 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-22,691,750 | 7,484 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $10,142,000 | 723 |
| Total interest expense | $1,086,000 | 1,567 |
| Net interest income | $9,056,000 | 605 |
| Provision for loan and lease losses | $29,471,000 | 67 |
| Total noninterest income | $-4,759,000 | 7,567 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $346,000 | 1,043 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-5,105,000 | 7,575 |
| Total noninterest expense | $8,752,000 | 581 |
| Salaries and employee benefits | $2,940,000 | 865 |
| Premises and equipment expense | $1,321,000 | 499 |
| Additional noninterest expense | $4,491,000 | 421 |
| Pre-tax net operating income | $-33,926,000 | 7,570 |
| Securities gains (losses) | $2,000 | 1,590 |
| Applicable income taxes | $-11,736,000 | 7,569 |
| Income before extraordinary items | $-22,188,000 | 7,556 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-22,188,000 | 7,555 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-22,188,000 | 7,555 |
| Net charge-offs | $5,616,000 | 252 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-22,189,300 | 7,557 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,725,000 | 2,775 |
| Total interest expense | $1,507,000 | 4,256 |
| Net interest income | $9,218,000 | 2,372 |
| Provision for loan and lease losses | $5,214,000 | 1,111 |
| Total noninterest income | $-1,042,000 | 7,547 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $669,000 | 2,114 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,711,000 | 7,552 |
| Total noninterest expense | $16,002,000 | 1,257 |
| Salaries and employee benefits | $2,745,000 | 3,350 |
| Premises and equipment expense | $870,000 | 2,773 |
| Additional noninterest expense | $12,387,000 | 616 |
| Pre-tax net operating income | $-13,040,000 | 7,425 |
| Securities gains (losses) | $104,000 | 2,132 |
| Applicable income taxes | $-1,560,000 | 7,407 |
| Income before extraordinary items | $-11,376,000 | 7,406 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-11,376,000 | 7,405 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-11,376,000 | 7,406 |
| Net charge-offs | $2,984,000 | 1,471 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-11,467,520 | 7,402 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,315,000 | 2,765 |
| Total interest expense | $1,219,000 | 4,215 |
| Net interest income | $7,096,000 | 2,347 |
| Provision for loan and lease losses | $3,500,000 | 1,141 |
| Total noninterest income | $-803,000 | 7,675 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $579,000 | 1,945 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,382,000 | 7,681 |
| Total noninterest expense | $5,291,000 | 2,708 |
| Salaries and employee benefits | $2,121,000 | 3,292 |
| Premises and equipment expense | $904,000 | 2,117 |
| Additional noninterest expense | $2,266,000 | 2,252 |
| Pre-tax net operating income | $-2,498,000 | 7,136 |
| Securities gains (losses) | $103,000 | 1,916 |
| Applicable income taxes | $-1,012,000 | 7,500 |
| Income before extraordinary items | $-1,383,000 | 7,014 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,383,000 | 7,013 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,383,000 | 7,014 |
| Net charge-offs | $949,000 | 2,250 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,448,920 | 7,004 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,720,000 | 2,704 |
| Total interest expense | $873,000 | 4,144 |
| Net interest income | $4,847,000 | 2,304 |
| Provision for loan and lease losses | $2,300,000 | 1,155 |
| Total noninterest income | $-326,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $389,000 | 1,939 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-715,000 | 7,740 |
| Total noninterest expense | $3,709,000 | 2,610 |
| Salaries and employee benefits | $1,416,000 | 3,307 |
| Premises and equipment expense | $542,000 | 2,372 |
| Additional noninterest expense | $1,751,000 | 1,972 |
| Pre-tax net operating income | $-1,488,000 | 7,160 |
| Securities gains (losses) | $2,000 | 2,979 |
| Applicable income taxes | $-594,000 | 7,513 |
| Income before extraordinary items | $-892,000 | 7,046 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-892,000 | 7,046 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-892,000 | 7,046 |
| Net charge-offs | $507,000 | 2,425 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-893,280 | 7,013 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,952,000 | 2,686 |
| Total interest expense | $459,000 | 4,142 |
| Net interest income | $2,493,000 | 2,242 |
| Provision for loan and lease losses | $1,800,000 | 801 |
| Total noninterest income | $-602,000 | 7,893 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $222,000 | 1,723 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-824,000 | 7,898 |
| Total noninterest expense | $1,928,000 | 2,531 |
| Salaries and employee benefits | $710,000 | 3,365 |
| Premises and equipment expense | $300,000 | 2,198 |
| Additional noninterest expense | $918,000 | 1,868 |
| Pre-tax net operating income | $-1,837,000 | 7,576 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-700,000 | 7,749 |
| Income before extraordinary items | $-1,137,000 | 7,500 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,137,000 | 7,501 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,137,000 | 7,501 |
| Net charge-offs | $272,000 | 2,125 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,137,000 | 7,496 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,224,000 | 2,517 |
| Total interest expense | $2,997,000 | 3,410 |
| Net interest income | $10,227,000 | 2,145 |
| Provision for loan and lease losses | $3,875,000 | 1,684 |
| Total noninterest income | $1,336,000 | 2,758 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $701,000 | 2,247 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $635,000 | 2,813 |
| Total noninterest expense | $6,657,000 | 2,917 |
| Salaries and employee benefits | $2,881,000 | 3,301 |
| Premises and equipment expense | $1,091,000 | 2,397 |
| Additional noninterest expense | $2,685,000 | 2,582 |
| Pre-tax net operating income | $1,031,000 | 2,941 |
| Securities gains (losses) | $2,000 | 3,583 |
| Applicable income taxes | $164,000 | 2,547 |
| Income before extraordinary items | $869,000 | 3,002 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $869,000 | 3,001 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $869,000 | 3,001 |
| Net charge-offs | $3,561,000 | 1,444 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $867,320 | 2,947 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,052,000 | 2,522 |
| Total interest expense | $2,443,000 | 3,342 |
| Net interest income | $7,609,000 | 2,162 |
| Provision for loan and lease losses | $1,916,000 | 1,964 |
| Total noninterest income | $1,038,000 | 2,754 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $517,000 | 2,294 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $521,000 | 2,739 |
| Total noninterest expense | $4,880,000 | 2,980 |
| Salaries and employee benefits | $2,211,000 | 3,251 |
| Premises and equipment expense | $821,000 | 2,422 |
| Additional noninterest expense | $1,848,000 | 2,739 |
| Pre-tax net operating income | $1,851,000 | 1,743 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $505,000 | 1,395 |
| Income before extraordinary items | $1,346,000 | 1,977 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,346,000 | 1,976 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,346,000 | 1,977 |
| Net charge-offs | $867,000 | 2,362 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,346,000 | 1,934 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,769,000 | 2,536 |
| Total interest expense | $1,763,000 | 3,286 |
| Net interest income | $5,006,000 | 2,191 |
| Provision for loan and lease losses | $941,000 | 2,144 |
| Total noninterest income | $781,000 | 2,559 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $315,000 | 2,445 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $466,000 | 2,312 |
| Total noninterest expense | $3,267,000 | 2,997 |
| Salaries and employee benefits | $1,515,000 | 3,207 |
| Premises and equipment expense | $561,000 | 2,388 |
| Additional noninterest expense | $1,191,000 | 2,851 |
| Pre-tax net operating income | $1,579,000 | 1,452 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $492,000 | 1,101 |
| Income before extraordinary items | $1,087,000 | 1,715 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,087,000 | 1,712 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,087,000 | 1,714 |
| Net charge-offs | $366,000 | 2,705 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,087,000 | 1,677 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,371,000 | 2,579 |
| Total interest expense | $908,000 | 3,308 |
| Net interest income | $2,463,000 | 2,231 |
| Provision for loan and lease losses | $270,000 | 2,474 |
| Total noninterest income | $532,000 | 2,034 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $148,000 | 2,502 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $384,000 | 1,661 |
| Total noninterest expense | $1,734,000 | 2,766 |
| Salaries and employee benefits | $816,000 | 3,053 |
| Premises and equipment expense | $295,000 | 2,335 |
| Additional noninterest expense | $623,000 | 2,482 |
| Pre-tax net operating income | $991,000 | 1,296 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $331,000 | 973 |
| Income before extraordinary items | $660,000 | 1,633 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $660,000 | 1,634 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $660,000 | 1,635 |
| Net charge-offs | $47,000 | 3,624 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $660,000 | 1,553 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,960,000 | 2,470 |
| Total interest expense | $4,381,000 | 3,286 |
| Net interest income | $10,579,000 | 2,094 |
| Provision for loan and lease losses | $591,000 | 3,539 |
| Total noninterest income | $1,172,000 | 3,084 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $624,000 | 2,574 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $548,000 | 3,032 |
| Total noninterest expense | $6,085,000 | 3,037 |
| Salaries and employee benefits | $3,419,000 | 2,891 |
| Premises and equipment expense | $1,026,000 | 2,563 |
| Additional noninterest expense | $1,640,000 | 3,397 |
| Pre-tax net operating income | $5,075,000 | 1,090 |
| Securities gains (losses) | $7,000 | 2,644 |
| Applicable income taxes | $1,759,000 | 754 |
| Income before extraordinary items | $3,323,000 | 1,250 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,323,000 | 1,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 3,934 |
| Cash dividends | $2,594,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,318,450 | 1,331 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,030,000 | 2,567 |
| Total interest expense | $3,391,000 | 3,310 |
| Net interest income | $7,639,000 | 2,198 |
| Provision for loan and lease losses | $200,000 | 4,198 |
| Total noninterest income | $852,000 | 3,211 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $464,000 | 2,606 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $388,000 | 3,240 |
| Total noninterest expense | $4,128,000 | 3,306 |
| Salaries and employee benefits | $2,267,000 | 3,262 |
| Premises and equipment expense | $745,000 | 2,656 |
| Additional noninterest expense | $1,116,000 | 3,569 |
| Pre-tax net operating income | $4,163,000 | 1,212 |
| Securities gains (losses) | $2,000 | 2,845 |
| Applicable income taxes | $1,464,000 | 853 |
| Income before extraordinary items | $2,701,000 | 1,373 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,701,000 | 1,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 3,015 |
| Cash dividends | $2,594,000 | 807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,699,700 | 1,443 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,438,000 | 2,566 |
| Total interest expense | $2,319,000 | 3,372 |
| Net interest income | $5,119,000 | 2,169 |
| Provision for loan and lease losses | $125,000 | 3,905 |
| Total noninterest income | $565,000 | 3,258 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $294,000 | 2,678 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $271,000 | 3,202 |
| Total noninterest expense | $3,202,000 | 2,885 |
| Salaries and employee benefits | $1,783,000 | 2,836 |
| Premises and equipment expense | $577,000 | 2,349 |
| Additional noninterest expense | $842,000 | 3,208 |
| Pre-tax net operating income | $2,357,000 | 1,462 |
| Securities gains (losses) | $2,000 | 2,957 |
| Applicable income taxes | $793,000 | 1,117 |
| Income before extraordinary items | $1,566,000 | 1,728 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,566,000 | 1,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,962 |
| Cash dividends | $2,594,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,564,680 | 1,701 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,618,000 | 2,702 |
| Total interest expense | $1,201,000 | 3,449 |
| Net interest income | $2,417,000 | 2,274 |
| Provision for loan and lease losses | $47,000 | 3,879 |
| Total noninterest income | $274,000 | 3,312 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $143,000 | 2,721 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $131,000 | 3,281 |
| Total noninterest expense | $1,598,000 | 2,886 |
| Salaries and employee benefits | $928,000 | 2,751 |
| Premises and equipment expense | $302,000 | 2,255 |
| Additional noninterest expense | $368,000 | 3,532 |
| Pre-tax net operating income | $1,046,000 | 1,716 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $350,000 | 1,318 |
| Income before extraordinary items | $697,000 | 2,041 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $697,000 | 2,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $2,594,000 | 338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $696,330 | 1,979 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,752,000 | 2,571 |
| Total interest expense | $5,793,000 | 3,093 |
| Net interest income | $9,959,000 | 2,256 |
| Provision for loan and lease losses | $270,000 | 3,372 |
| Total noninterest income | $1,110,000 | 3,322 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $512,000 | 3,008 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $598,000 | 3,003 |
| Total noninterest expense | $6,180,000 | 2,884 |
| Salaries and employee benefits | $3,260,000 | 3,017 |
| Premises and equipment expense | $1,154,000 | 2,250 |
| Additional noninterest expense | $1,766,000 | 2,986 |
| Pre-tax net operating income | $4,619,000 | 1,761 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $1,619,000 | 1,334 |
| Income before extraordinary items | $3,001,000 | 2,054 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,001,000 | 2,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,413 |
| Cash dividends | $1,378,000 | 2,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,000,350 | 2,040 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,816,000 | 2,567 |
| Total interest expense | $4,483,000 | 3,009 |
| Net interest income | $7,333,000 | 2,297 |
| Provision for loan and lease losses | $225,000 | 2,782 |
| Total noninterest income | $849,000 | 3,266 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $374,000 | 3,049 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $475,000 | 2,938 |
| Total noninterest expense | $4,540,000 | 2,929 |
| Salaries and employee benefits | $2,419,000 | 3,013 |
| Premises and equipment expense | $873,000 | 2,216 |
| Additional noninterest expense | $1,248,000 | 3,083 |
| Pre-tax net operating income | $3,417,000 | 1,882 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,189,000 | 1,458 |
| Income before extraordinary items | $2,228,000 | 2,175 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,228,000 | 2,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,510 |
| Cash dividends | $371,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,228,000 | 2,164 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,802,000 | 2,611 |
| Total interest expense | $3,039,000 | 2,978 |
| Net interest income | $4,763,000 | 2,384 |
| Provision for loan and lease losses | $180,000 | 2,301 |
| Total noninterest income | $583,000 | 3,214 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $243,000 | 3,085 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $340,000 | 2,824 |
| Total noninterest expense | $3,006,000 | 2,970 |
| Salaries and employee benefits | $1,616,000 | 3,046 |
| Premises and equipment expense | $584,000 | 2,209 |
| Additional noninterest expense | $806,000 | 3,177 |
| Pre-tax net operating income | $2,160,000 | 2,033 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $744,000 | 1,577 |
| Income before extraordinary items | $1,416,000 | 2,308 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,416,000 | 2,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,861 |
| Cash dividends | $370,000 | 2,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,416,000 | 2,291 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,809,000 | 2,656 |
| Total interest expense | $1,478,000 | 3,025 |
| Net interest income | $2,331,000 | 2,429 |
| Provision for loan and lease losses | $90,000 | 2,153 |
| Total noninterest income | $256,000 | 3,471 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $122,000 | 3,030 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $134,000 | 3,207 |
| Total noninterest expense | $1,506,000 | 2,974 |
| Salaries and employee benefits | $823,000 | 3,009 |
| Premises and equipment expense | $302,000 | 2,168 |
| Additional noninterest expense | $381,000 | 3,303 |
| Pre-tax net operating income | $991,000 | 2,182 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $341,000 | 1,705 |
| Income before extraordinary items | $650,000 | 2,478 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $650,000 | 2,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $370,000 | 1,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $650,000 | 2,451 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,904,000 | 2,706 |
| Total interest expense | $4,653,000 | 3,208 |
| Net interest income | $9,251,000 | 2,456 |
| Provision for loan and lease losses | $252,000 | 3,085 |
| Total noninterest income | $1,098,000 | 3,334 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $545,000 | 2,880 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $553,000 | 3,164 |
| Total noninterest expense | $5,805,000 | 2,952 |
| Salaries and employee benefits | $3,012,000 | 3,118 |
| Premises and equipment expense | $1,036,000 | 2,385 |
| Additional noninterest expense | $1,757,000 | 2,883 |
| Pre-tax net operating income | $4,292,000 | 2,140 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,491,000 | 1,676 |
| Income before extraordinary items | $2,801,000 | 2,391 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,801,000 | 2,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,767 |
| Cash dividends | $2,015,000 | 1,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,801,000 | 2,371 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,117,000 | 2,768 |
| Total interest expense | $3,189,000 | 3,333 |
| Net interest income | $6,928,000 | 2,477 |
| Provision for loan and lease losses | $189,000 | 2,977 |
| Total noninterest income | $837,000 | 3,300 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $408,000 | 2,917 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $429,000 | 3,098 |
| Total noninterest expense | $4,287,000 | 2,981 |
| Salaries and employee benefits | $2,255,000 | 3,112 |
| Premises and equipment expense | $764,000 | 2,433 |
| Additional noninterest expense | $1,268,000 | 2,977 |
| Pre-tax net operating income | $3,289,000 | 2,163 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,142,000 | 1,706 |
| Income before extraordinary items | $2,147,000 | 2,432 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,147,000 | 2,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 1,743 |
| Cash dividends | $1,009,000 | 1,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,147,000 | 2,421 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,601,000 | 2,784 |
| Total interest expense | $2,031,000 | 3,336 |
| Net interest income | $4,570,000 | 2,503 |
| Provision for loan and lease losses | $126,000 | 2,915 |
| Total noninterest income | $564,000 | 3,242 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $276,000 | 2,859 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $288,000 | 3,097 |
| Total noninterest expense | $2,843,000 | 3,017 |
| Salaries and employee benefits | $1,497,000 | 3,119 |
| Premises and equipment expense | $502,000 | 2,458 |
| Additional noninterest expense | $844,000 | 2,983 |
| Pre-tax net operating income | $2,165,000 | 2,184 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $750,000 | 1,761 |
| Income before extraordinary items | $1,415,000 | 2,450 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,415,000 | 2,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,255 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,415,000 | 2,435 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,157,000 | 2,849 |
| Total interest expense | $957,000 | 3,362 |
| Net interest income | $2,200,000 | 2,575 |
| Provision for loan and lease losses | $63,000 | 2,743 |
| Total noninterest income | $281,000 | 3,216 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $144,000 | 2,683 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $137,000 | 3,134 |
| Total noninterest expense | $1,419,000 | 3,025 |
| Salaries and employee benefits | $757,000 | 3,119 |
| Premises and equipment expense | $281,000 | 2,222 |
| Additional noninterest expense | $381,000 | 3,257 |
| Pre-tax net operating income | $999,000 | 2,277 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $342,000 | 1,838 |
| Income before extraordinary items | $657,000 | 2,562 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $657,000 | 2,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 1,866 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $657,000 | 2,541 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,144,000 | 2,873 |
| Total interest expense | $2,687,000 | 3,626 |
| Net interest income | $8,457,000 | 2,567 |
| Provision for loan and lease losses | $252,000 | 3,138 |
| Total noninterest income | $1,195,000 | 3,156 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $565,000 | 2,793 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $630,000 | 2,969 |
| Total noninterest expense | $5,450,000 | 3,005 |
| Salaries and employee benefits | $2,892,000 | 3,071 |
| Premises and equipment expense | $1,016,000 | 2,335 |
| Additional noninterest expense | $1,542,000 | 3,153 |
| Pre-tax net operating income | $3,950,000 | 2,251 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,349,000 | 1,838 |
| Income before extraordinary items | $2,601,000 | 2,518 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,601,000 | 2,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,881 |
| Cash dividends | $1,260,000 | 2,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,601,000 | 2,491 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,080,000 | 2,906 |
| Total interest expense | $1,843,000 | 3,723 |
| Net interest income | $6,237,000 | 2,586 |
| Provision for loan and lease losses | $189,000 | 3,057 |
| Total noninterest income | $912,000 | 3,119 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $438,000 | 2,713 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $474,000 | 2,981 |
| Total noninterest expense | $4,048,000 | 2,996 |
| Salaries and employee benefits | $2,145,000 | 3,069 |
| Premises and equipment expense | $737,000 | 2,391 |
| Additional noninterest expense | $1,166,000 | 3,113 |
| Pre-tax net operating income | $2,912,000 | 2,297 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $994,000 | 1,887 |
| Income before extraordinary items | $1,918,000 | 2,562 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,918,000 | 2,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 2,513 |
| Cash dividends | $741,000 | 2,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,918,000 | 2,536 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,219,000 | 2,922 |
| Total interest expense | $1,128,000 | 3,794 |
| Net interest income | $4,091,000 | 2,600 |
| Provision for loan and lease losses | $126,000 | 2,931 |
| Total noninterest income | $599,000 | 3,097 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $302,000 | 2,607 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $297,000 | 3,073 |
| Total noninterest expense | $2,694,000 | 2,988 |
| Salaries and employee benefits | $1,447,000 | 3,022 |
| Premises and equipment expense | $456,000 | 2,543 |
| Additional noninterest expense | $791,000 | 3,043 |
| Pre-tax net operating income | $1,870,000 | 2,305 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $634,000 | 1,918 |
| Income before extraordinary items | $1,236,000 | 2,576 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,236,000 | 2,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,119 |
| Cash dividends | $741,000 | 1,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,236,000 | 2,543 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,371,000 | 3,128 |
| Total interest expense | $516,000 | 3,932 |
| Net interest income | $1,855,000 | 2,836 |
| Provision for loan and lease losses | $63,000 | 2,791 |
| Total noninterest income | $254,000 | 3,419 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $147,000 | 2,603 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $107,000 | 3,603 |
| Total noninterest expense | $1,228,000 | 3,260 |
| Salaries and employee benefits | $662,000 | 3,271 |
| Premises and equipment expense | $193,000 | 2,966 |
| Additional noninterest expense | $373,000 | 3,201 |
| Pre-tax net operating income | $818,000 | 2,528 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $274,000 | 2,118 |
| Income before extraordinary items | $544,000 | 2,834 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $544,000 | 2,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $741,000 | 876 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $544,000 | 2,783 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,712,000 | 3,185 |
| Total interest expense | $1,719,000 | 4,104 |
| Net interest income | $6,993,000 | 2,883 |
| Provision for loan and lease losses | $236,000 | 3,407 |
| Total noninterest income | $1,041,000 | 3,451 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $551,000 | 2,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $490,000 | 3,345 |
| Total noninterest expense | $5,185,000 | 3,009 |
| Salaries and employee benefits | $2,983,000 | 2,857 |
| Premises and equipment expense | $828,000 | 2,705 |
| Additional noninterest expense | $1,374,000 | 3,354 |
| Pre-tax net operating income | $2,613,000 | 2,887 |
| Securities gains (losses) | $7,000 | 3,010 |
| Applicable income taxes | $918,000 | 2,302 |
| Income before extraordinary items | $1,702,000 | 3,318 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,702,000 | 3,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,096,000 | 727 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,697,450 | 3,256 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,513,000 | 3,168 |
| Total interest expense | $1,306,000 | 4,031 |
| Net interest income | $5,207,000 | 2,887 |
| Provision for loan and lease losses | $236,000 | 2,677 |
| Total noninterest income | $806,000 | 3,388 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $419,000 | 2,895 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $387,000 | 3,254 |
| Total noninterest expense | $3,881,000 | 2,985 |
| Salaries and employee benefits | $2,333,000 | 2,735 |
| Premises and equipment expense | $633,000 | 2,650 |
| Additional noninterest expense | $915,000 | 3,666 |
| Pre-tax net operating income | $1,896,000 | 3,014 |
| Securities gains (losses) | $7,000 | 2,893 |
| Applicable income taxes | $688,000 | 2,344 |
| Income before extraordinary items | $1,215,000 | 3,517 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,215,000 | 3,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $818,000 | 662 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,210,520 | 3,446 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,080,000 | 3,337 |
| Total interest expense | $902,000 | 3,923 |
| Net interest income | $3,178,000 | 3,121 |
| Provision for loan and lease losses | $1,006,000 | 520 |
| Total noninterest income | $831,000 | 2,527 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $418,000 | 2,063 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $413,000 | 2,464 |
| Total noninterest expense | $2,512,000 | 3,077 |
| Salaries and employee benefits | $867,000 | 4,443 |
| Premises and equipment expense | $433,000 | 2,591 |
| Additional noninterest expense | $1,212,000 | 1,972 |
| Pre-tax net operating income | $491,000 | 5,354 |
| Securities gains (losses) | $-28,000 | 8,845 |
| Applicable income taxes | $166,000 | 4,083 |
| Income before extraordinary items | $297,000 | 6,060 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $297,000 | 6,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $513,000 | 687 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $314,920 | 5,838 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,040,000 | 3,335 |
| Total interest expense | $464,000 | 3,872 |
| Net interest income | $1,576,000 | 3,138 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $395,000 | 2,557 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $193,000 | 2,146 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $202,000 | 2,464 |
| Total noninterest expense | $1,314,000 | 2,956 |
| Salaries and employee benefits | $438,000 | 4,435 |
| Premises and equipment expense | $234,000 | 2,445 |
| Additional noninterest expense | $642,000 | 1,840 |
| Pre-tax net operating income | $607,000 | 3,055 |
| Securities gains (losses) | $-16,000 | 8,956 |
| Applicable income taxes | $210,000 | 2,492 |
| Income before extraordinary items | $381,000 | 3,641 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $381,000 | 3,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,678 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $391,240 | 3,451 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,674,000 | 3,200 |
| Total interest expense | $2,708,000 | 3,139 |
| Net interest income | $5,966,000 | 3,211 |
| Provision for loan and lease losses | $954,000 | 1,245 |
| Total noninterest income | $1,817,000 | 2,475 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $841,000 | 2,036 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $976,000 | 2,425 |
| Total noninterest expense | $5,348,000 | 2,887 |
| Salaries and employee benefits | $1,786,000 | 4,289 |
| Premises and equipment expense | $934,000 | 2,405 |
| Additional noninterest expense | $2,628,000 | 1,831 |
| Pre-tax net operating income | $1,481,000 | 4,153 |
| Securities gains (losses) | $-272,000 | 9,103 |
| Applicable income taxes | $439,000 | 3,603 |
| Income before extraordinary items | $770,000 | 5,334 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $770,000 | 5,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $677,000 | 1,260 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $944,080 | 4,644 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,570,000 | 3,229 |
| Total interest expense | $2,189,000 | 3,030 |
| Net interest income | $4,381,000 | 3,273 |
| Provision for loan and lease losses | $-796,000 | 9,209 |
| Total noninterest income | $1,410,000 | 2,454 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $627,000 | 2,061 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $783,000 | 2,396 |
| Total noninterest expense | $4,131,000 | 2,813 |
| Salaries and employee benefits | $1,419,000 | 4,107 |
| Premises and equipment expense | $670,000 | 2,516 |
| Additional noninterest expense | $2,042,000 | 1,770 |
| Pre-tax net operating income | $2,456,000 | 2,420 |
| Securities gains (losses) | $-252,000 | 9,166 |
| Applicable income taxes | $784,000 | 2,228 |
| Income before extraordinary items | $1,420,000 | 3,095 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,420,000 | 3,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-653,000 | 9,221 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,581,280 | 2,712 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,842,000 | 2,986 |
| Total interest expense | $1,575,000 | 2,917 |
| Net interest income | $3,267,000 | 2,935 |
| Provision for loan and lease losses | $204,000 | 2,482 |
| Total noninterest income | $947,000 | 2,442 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $409,000 | 2,058 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $538,000 | 2,344 |
| Total noninterest expense | $2,805,000 | 2,761 |
| Salaries and employee benefits | $1,044,000 | 3,782 |
| Premises and equipment expense | $440,000 | 2,535 |
| Additional noninterest expense | $1,321,000 | 1,827 |
| Pre-tax net operating income | $1,205,000 | 3,073 |
| Securities gains (losses) | $-179,000 | 9,222 |
| Applicable income taxes | $369,000 | 2,854 |
| Income before extraordinary items | $657,000 | 4,050 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $657,000 | 4,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 1,724 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $771,560 | 3,414 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,663,000 | 2,740 |
| Total interest expense | $829,000 | 2,839 |
| Net interest income | $1,834,000 | 2,643 |
| Provision for loan and lease losses | $104,000 | 2,329 |
| Total noninterest income | $472,000 | 2,390 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $194,000 | 2,070 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $278,000 | 2,218 |
| Total noninterest expense | $1,586,000 | 2,448 |
| Salaries and employee benefits | $612,000 | 3,300 |
| Premises and equipment expense | $225,000 | 2,481 |
| Additional noninterest expense | $749,000 | 1,574 |
| Pre-tax net operating income | $616,000 | 3,015 |
| Securities gains (losses) | $-87,000 | 9,255 |
| Applicable income taxes | $179,000 | 2,892 |
| Income before extraordinary items | $350,000 | 3,796 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $350,000 | 3,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-129,000 | 9,242 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $407,420 | 3,248 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,342,000 | 2,502 |
| Total interest expense | $4,365,000 | 2,551 |
| Net interest income | $7,977,000 | 2,406 |
| Provision for loan and lease losses | $5,106,000 | 379 |
| Total noninterest income | $2,094,000 | 2,056 |
| Gross Fiduciary activities income | $269,000 | 746 |
| Service charges on deposit accounts | $723,000 | 2,192 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,102,000 | 2,048 |
| Total noninterest expense | $6,932,000 | 2,166 |
| Salaries and employee benefits | $2,618,000 | 2,998 |
| Premises and equipment expense | $1,001,000 | 2,185 |
| Additional noninterest expense | $3,313,000 | 1,430 |
| Pre-tax net operating income | $-1,967,000 | 9,248 |
| Securities gains (losses) | $-92,000 | 9,122 |
| Applicable income taxes | $-730,000 | 9,278 |
| Income before extraordinary items | $-1,329,000 | 9,229 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,329,000 | 9,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,115,000 | 321 |
| Cash dividends | $8,500,000 | 406 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,269,200 | 9,194 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,503,000 | 2,211 |
| Total interest expense | $7,097,000 | 2,260 |
| Net interest income | $8,406,000 | 2,122 |
| Provision for loan and lease losses | $1,176,000 | 1,106 |
| Total noninterest income | $1,858,000 | 2,130 |
| Gross Fiduciary activities income | $242,000 | 789 |
| Service charges on deposit accounts | $753,000 | 2,008 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $863,000 | 2,269 |
| Total noninterest expense | $7,037,000 | 2,039 |
| Salaries and employee benefits | $2,773,000 | 2,692 |
| Premises and equipment expense | $954,000 | 2,240 |
| Additional noninterest expense | $3,310,000 | 1,417 |
| Pre-tax net operating income | $2,051,000 | 3,123 |
| Securities gains (losses) | $198,000 | 1,196 |
| Applicable income taxes | $897,000 | 2,248 |
| Income before extraordinary items | $1,352,000 | 3,494 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,352,000 | 3,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,291,000 | 782 |
| Cash dividends | $2,400,000 | 1,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,225,280 | 3,633 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,650,000 | 1,874 |
| Total interest expense | $7,960,000 | 2,153 |
| Net interest income | $10,690,000 | 1,641 |
| Provision for loan and lease losses | $1,685,000 | 695 |
| Total noninterest income | $2,435,000 | 1,628 |
| Gross Fiduciary activities income | $742,000 | 489 |
| Service charges on deposit accounts | $830,000 | 1,667 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $863,000 | 2,050 |
| Total noninterest expense | $6,919,000 | 2,001 |
| Salaries and employee benefits | $2,799,000 | 2,553 |
| Premises and equipment expense | $949,000 | 2,179 |
| Additional noninterest expense | $3,171,000 | 1,412 |
| Pre-tax net operating income | $4,521,000 | 1,623 |
| Securities gains (losses) | $313,000 | 337 |
| Applicable income taxes | $1,707,000 | 1,351 |
| Income before extraordinary items | $3,127,000 | 1,678 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,127,000 | 1,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,697,000 | 521 |
| Cash dividends | $2,400,000 | 1,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,923,550 | 1,779 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,609,000 | 1,843 |
| Total interest expense | $7,473,000 | 1,997 |
| Net interest income | $10,136,000 | 1,717 |
| Provision for loan and lease losses | $600,000 | 1,498 |
| Total noninterest income | $2,158,000 | 1,755 |
| Gross Fiduciary activities income | $668,000 | 557 |
| Service charges on deposit accounts | $787,000 | 1,681 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $703,000 | 2,374 |
| Total noninterest expense | $7,786,000 | 1,772 |
| Salaries and employee benefits | $3,329,000 | 2,106 |
| Premises and equipment expense | $933,000 | 2,189 |
| Additional noninterest expense | $3,524,000 | 1,304 |
| Pre-tax net operating income | $3,908,000 | 1,879 |
| Securities gains (losses) | $21,000 | 1,369 |
| Applicable income taxes | $1,480,000 | 1,619 |
| Income before extraordinary items | $2,449,000 | 2,136 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,449,000 | 2,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $775,000 | 862 |
| Cash dividends | $2,270,000 | 1,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,435,560 | 2,118 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,177,000 | 1,779 |
| Total interest expense | $8,199,000 | 1,867 |
| Net interest income | $9,978,000 | 1,715 |
| Provision for loan and lease losses | $720,000 | 1,275 |
| Total noninterest income | $2,341,000 | 1,631 |
| Gross Fiduciary activities income | $681,000 | 545 |
| Service charges on deposit accounts | $804,000 | 1,577 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $856,000 | 2,066 |
| Total noninterest expense | $7,978,000 | 1,655 |
| Salaries and employee benefits | $3,625,000 | 1,847 |
| Premises and equipment expense | $950,000 | 2,049 |
| Additional noninterest expense | $3,403,000 | 1,303 |
| Pre-tax net operating income | $3,621,000 | 2,000 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,296,000 | 1,856 |
| Income before extraordinary items | $2,325,000 | 2,235 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,325,000 | 2,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $613,000 | 1,069 |
| Cash dividends | $2,200,000 | 1,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,325,000 | 2,166 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,836,000 | 1,758 |
| Total interest expense | $8,247,000 | 1,869 |
| Net interest income | $10,589,000 | 1,642 |
| Provision for loan and lease losses | $720,000 | 1,297 |
| Total noninterest income | $2,190,000 | 1,649 |
| Gross Fiduciary activities income | $666,000 | 572 |
| Service charges on deposit accounts | $883,000 | 1,460 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $641,000 | 2,366 |
| Total noninterest expense | $8,268,000 | 1,592 |
| Salaries and employee benefits | $3,723,000 | 1,755 |
| Premises and equipment expense | $1,010,000 | 1,953 |
| Additional noninterest expense | $3,535,000 | 1,243 |
| Pre-tax net operating income | $3,791,000 | 1,977 |
| Securities gains (losses) | $-69,000 | 10,705 |
| Applicable income taxes | $1,325,000 | 1,908 |
| Income before extraordinary items | $2,397,000 | 2,201 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,397,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,002,000 | 807 |
| Cash dividends | $2,199,000 | 1,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,441,160 | 2,108 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,420,000 | 1,837 |
| Total interest expense | $7,751,000 | 2,024 |
| Net interest income | $10,669,000 | 1,658 |
| Provision for loan and lease losses | $648,000 | 1,422 |
| Total noninterest income | $2,264,000 | 1,660 |
| Gross Fiduciary activities income | $591,000 | 655 |
| Service charges on deposit accounts | $936,000 | 1,435 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $737,000 | 2,214 |
| Total noninterest expense | $8,138,000 | 1,743 |
| Salaries and employee benefits | $4,069,000 | 1,637 |
| Premises and equipment expense | $975,000 | 2,061 |
| Additional noninterest expense | $3,094,000 | 1,684 |
| Pre-tax net operating income | $4,147,000 | 1,736 |
| Securities gains (losses) | $52,000 | 1,307 |
| Applicable income taxes | $1,475,000 | 1,625 |
| Income before extraordinary items | $2,724,000 | 1,814 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,724,000 | 1,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $519,000 | 1,380 |
| Cash dividends | $2,583,000 | 1,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,690,200 | 1,799 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,059,000 | 1,877 |
| Total interest expense | $7,280,000 | 2,135 |
| Net interest income | $10,779,000 | 1,656 |
| Provision for loan and lease losses | $320,000 | 2,185 |
| Total noninterest income | $2,098,000 | 1,766 |
| Gross Fiduciary activities income | $562,000 | 708 |
| Service charges on deposit accounts | $873,000 | 1,555 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $663,000 | 2,381 |
| Total noninterest expense | $8,403,000 | 1,676 |
| Salaries and employee benefits | $4,295,000 | 1,550 |
| Premises and equipment expense | $950,000 | 2,110 |
| Additional noninterest expense | $3,158,000 | 1,629 |
| Pre-tax net operating income | $4,154,000 | 1,776 |
| Securities gains (losses) | $12,000 | 2,250 |
| Applicable income taxes | $1,318,000 | 1,841 |
| Income before extraordinary items | $2,848,000 | 1,779 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,848,000 | 1,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,053 |
| Cash dividends | $2,559,000 | 1,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,839,840 | 1,761 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,946,000 | 1,933 |
| Total interest expense | $5,570,000 | 2,231 |
| Net interest income | $10,376,000 | 1,743 |
| Provision for loan and lease losses | $446,000 | 1,685 |
| Total noninterest income | $2,428,000 | 1,593 |
| Gross Fiduciary activities income | $556,000 | 705 |
| Service charges on deposit accounts | $819,000 | 1,653 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,053,000 | 1,780 |
| Total noninterest expense | $8,354,000 | 1,754 |
| Salaries and employee benefits | $4,260,000 | 1,569 |
| Premises and equipment expense | $839,000 | 2,416 |
| Additional noninterest expense | $3,255,000 | 1,688 |
| Pre-tax net operating income | $4,004,000 | 1,777 |
| Securities gains (losses) | $11,000 | 2,158 |
| Applicable income taxes | $1,085,000 | 2,072 |
| Income before extraordinary items | $2,930,000 | 1,673 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,930,000 | 1,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 2,014 |
| Cash dividends | $2,288,000 | 994 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,921,970 | 1,681 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,579,000 | 2,018 |
| Total interest expense | $5,929,000 | 2,189 |
| Net interest income | $9,650,000 | 1,869 |
| Provision for loan and lease losses | $510,000 | 2,055 |
| Total noninterest income | $2,141,000 | 1,874 |
| Gross Fiduciary activities income | $570,000 | 718 |
| Service charges on deposit accounts | $914,000 | 1,480 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $657,000 | 2,710 |
| Total noninterest expense | $8,281,000 | 1,810 |
| Salaries and employee benefits | $4,076,000 | 1,654 |
| Premises and equipment expense | $708,000 | 2,843 |
| Additional noninterest expense | $3,497,000 | 1,685 |
| Pre-tax net operating income | $3,000,000 | 2,292 |
| Securities gains (losses) | $44,000 | 3,595 |
| Applicable income taxes | $738,000 | 2,963 |
| Income before extraordinary items | $2,306,000 | 2,170 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,306,000 | 2,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $383,000 | 2,124 |
| Cash dividends | $1,650,000 | 1,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,272,560 | 2,068 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,489,000 | 2,031 |
| Total interest expense | $7,825,000 | 2,175 |
| Net interest income | $9,664,000 | 1,897 |
| Provision for loan and lease losses | $650,000 | 2,489 |
| Total noninterest income | $1,892,000 | 2,014 |
| Gross Fiduciary activities income | $525,000 | 745 |
| Service charges on deposit accounts | $907,000 | 1,486 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $460,000 | 3,373 |
| Total noninterest expense | $8,036,000 | 1,883 |
| Salaries and employee benefits | $3,963,000 | 1,667 |
| Premises and equipment expense | $666,000 | 3,060 |
| Additional noninterest expense | $3,407,000 | 1,790 |
| Pre-tax net operating income | $2,870,000 | 2,164 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $581,000 | 3,526 |
| Income before extraordinary items | $2,294,000 | 1,999 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,294,000 | 2,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $650,000 | 2,077 |
| Cash dividends | $2,487,000 | 704 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,290,000 | 1,840 |
* 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.