Home > Moorhead State Bank > Income and Expense
Moorhead State Bank, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $766,000 | 7,454 |
| Total interest expense | $141,000 | 7,475 |
| Net interest income | $625,000 | 7,394 |
| Provision for loan and lease losses | $31,000 | 6,501 |
| Total noninterest income | $76,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $31,000 | 6,442 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $45,000 | 6,103 |
| Total noninterest expense | $201,000 | 7,725 |
| Salaries and employee benefits | $120,000 | 7,710 |
| Premises and equipment expense | $30,000 | 7,607 |
| Additional noninterest expense | $51,000 | 7,740 |
| Pre-tax net operating income | $469,000 | 4,300 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $10,000 | 4,245 |
| Income before extraordinary items | $459,000 | 4,275 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $459,000 | 4,276 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $459,000 | 4,276 |
| Net charge-offs | $31,000 | 5,810 |
| Cash dividends | $126,000 | 3,050 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $459,000 | 4,111 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $507,000 | 7,526 |
| Total interest expense | $96,000 | 7,538 |
| Net interest income | $411,000 | 7,465 |
| Provision for loan and lease losses | $28,000 | 6,256 |
| Total noninterest income | $36,000 | 7,092 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $21,000 | 6,463 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $15,000 | 6,644 |
| Total noninterest expense | $139,000 | 7,794 |
| Salaries and employee benefits | $80,000 | 7,775 |
| Premises and equipment expense | $22,000 | 7,647 |
| Additional noninterest expense | $37,000 | 7,805 |
| Pre-tax net operating income | $280,000 | 4,512 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $7,000 | 4,209 |
| Income before extraordinary items | $273,000 | 4,459 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $273,000 | 4,459 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $273,000 | 4,459 |
| Net charge-offs | $28,000 | 5,315 |
| Cash dividends | $66,000 | 3,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $273,000 | 4,314 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $250,000 | 7,629 |
| Total interest expense | $49,000 | 7,646 |
| Net interest income | $201,000 | 7,565 |
| Provision for loan and lease losses | $35,000 | 5,220 |
| Total noninterest income | $18,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $11,000 | 6,478 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $7,000 | 6,844 |
| Total noninterest expense | $74,000 | 7,893 |
| Salaries and employee benefits | $40,000 | 7,876 |
| Premises and equipment expense | $15,000 | 7,614 |
| Additional noninterest expense | $19,000 | 7,911 |
| Pre-tax net operating income | $110,000 | 4,940 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $7,000 | 3,969 |
| Income before extraordinary items | $103,000 | 4,928 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $103,000 | 4,929 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $103,000 | 4,928 |
| Net charge-offs | $35,000 | 4,021 |
| Cash dividends | $20,000 | 2,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $103,000 | 4,823 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $953,000 | 7,738 |
| Total interest expense | $237,000 | 7,713 |
| Net interest income | $716,000 | 7,687 |
| Provision for loan and lease losses | $319,000 | 5,185 |
| Total noninterest income | $78,000 | 7,173 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $40,000 | 6,643 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $38,000 | 6,593 |
| Total noninterest expense | $265,000 | 7,984 |
| Salaries and employee benefits | $152,000 | 7,961 |
| Premises and equipment expense | $25,000 | 7,934 |
| Additional noninterest expense | $88,000 | 7,979 |
| Pre-tax net operating income | $210,000 | 4,780 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $12,000 | 3,833 |
| Income before extraordinary items | $198,000 | 4,813 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $198,000 | 4,815 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $198,000 | 4,815 |
| Net charge-offs | $250,000 | 4,724 |
| Cash dividends | $114,000 | 4,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $198,000 | 4,748 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $700,000 | 7,832 |
| Total interest expense | $185,000 | 7,791 |
| Net interest income | $515,000 | 7,788 |
| Provision for loan and lease losses | $302,000 | 4,575 |
| Total noninterest income | $62,000 | 7,261 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $30,000 | 6,683 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $32,000 | 6,662 |
| Total noninterest expense | $179,000 | 8,072 |
| Salaries and employee benefits | $104,000 | 8,046 |
| Premises and equipment expense | $19,000 | 8,009 |
| Additional noninterest expense | $56,000 | 8,072 |
| Pre-tax net operating income | $96,000 | 5,306 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $8,000 | 4,112 |
| Income before extraordinary items | $88,000 | 5,368 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $88,000 | 5,367 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $88,000 | 5,367 |
| Net charge-offs | $221,000 | 4,137 |
| Cash dividends | $114,000 | 3,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $88,000 | 5,308 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $462,000 | 7,929 |
| Total interest expense | $127,000 | 7,874 |
| Net interest income | $335,000 | 7,878 |
| Provision for loan and lease losses | $15,000 | 6,783 |
| Total noninterest income | $42,000 | 7,315 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $20,000 | 6,708 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $22,000 | 6,709 |
| Total noninterest expense | $115,000 | 8,169 |
| Salaries and employee benefits | $65,000 | 8,146 |
| Premises and equipment expense | $12,000 | 8,100 |
| Additional noninterest expense | $38,000 | 8,162 |
| Pre-tax net operating income | $247,000 | 4,397 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $8,000 | 4,086 |
| Income before extraordinary items | $239,000 | 4,314 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $239,000 | 4,313 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $239,000 | 4,313 |
| Net charge-offs | $14,000 | 5,830 |
| Cash dividends | $84,000 | 3,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $239,000 | 4,201 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $244,000 | 7,949 |
| Total interest expense | $66,000 | 7,928 |
| Net interest income | $178,000 | 7,873 |
| Provision for loan and lease losses | $15,000 | 6,043 |
| Total noninterest income | $25,000 | 7,225 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $10,000 | 6,707 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $15,000 | 6,478 |
| Total noninterest expense | $47,000 | 8,228 |
| Salaries and employee benefits | $31,000 | 8,205 |
| Premises and equipment expense | $3,000 | 8,188 |
| Additional noninterest expense | $13,000 | 8,223 |
| Pre-tax net operating income | $141,000 | 4,593 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $4,000 | 4,381 |
| Income before extraordinary items | $137,000 | 4,500 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $137,000 | 4,504 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $137,000 | 4,504 |
| Net charge-offs | $15,000 | 4,515 |
| Cash dividends | $84,000 | 2,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $137,000 | 4,336 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,073,000 | 7,938 |
| Total interest expense | $336,000 | 7,936 |
| Net interest income | $737,000 | 7,875 |
| Provision for loan and lease losses | $99,000 | 6,082 |
| Total noninterest income | $84,000 | 7,466 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $50,000 | 6,627 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $34,000 | 7,102 |
| Total noninterest expense | $304,000 | 8,243 |
| Salaries and employee benefits | $165,000 | 8,227 |
| Premises and equipment expense | $69,000 | 7,890 |
| Additional noninterest expense | $70,000 | 8,253 |
| Pre-tax net operating income | $418,000 | 5,101 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $20,000 | 4,275 |
| Income before extraordinary items | $398,000 | 4,759 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $398,000 | 4,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,993 |
| Cash dividends | $330,000 | 3,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $398,000 | 4,928 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $808,000 | 8,035 |
| Total interest expense | $263,000 | 8,014 |
| Net interest income | $545,000 | 7,965 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $64,000 | 7,573 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $39,000 | 6,656 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $25,000 | 7,272 |
| Total noninterest expense | $172,000 | 8,340 |
| Salaries and employee benefits | $100,000 | 8,321 |
| Premises and equipment expense | $28,000 | 8,206 |
| Additional noninterest expense | $44,000 | 8,347 |
| Pre-tax net operating income | $437,000 | 5,149 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $14,000 | 4,753 |
| Income before extraordinary items | $423,000 | 4,710 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $423,000 | 4,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,799 |
| Cash dividends | $330,000 | 3,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $423,000 | 4,870 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $538,000 | 8,102 |
| Total interest expense | $185,000 | 8,063 |
| Net interest income | $353,000 | 8,033 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $43,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $26,000 | 6,681 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $17,000 | 7,333 |
| Total noninterest expense | $106,000 | 8,413 |
| Salaries and employee benefits | $63,000 | 8,401 |
| Premises and equipment expense | $14,000 | 8,328 |
| Additional noninterest expense | $29,000 | 8,417 |
| Pre-tax net operating income | $290,000 | 5,329 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $7,000 | 5,127 |
| Income before extraordinary items | $283,000 | 5,106 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $283,000 | 5,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $210,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $283,000 | 5,034 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $280,000 | 8,135 |
| Total interest expense | $97,000 | 8,109 |
| Net interest income | $183,000 | 8,058 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $20,000 | 7,703 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $12,000 | 6,732 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $8,000 | 7,392 |
| Total noninterest expense | $48,000 | 8,467 |
| Salaries and employee benefits | $29,000 | 8,452 |
| Premises and equipment expense | $5,000 | 8,402 |
| Additional noninterest expense | $14,000 | 8,456 |
| Pre-tax net operating income | $155,000 | 5,394 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $155,000 | 5,163 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $155,000 | 5,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $96,000 | 2,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $155,000 | 5,061 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,104,000 | 8,134 |
| Total interest expense | $392,000 | 8,106 |
| Net interest income | $712,000 | 8,080 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $77,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $43,000 | 6,860 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $34,000 | 7,445 |
| Total noninterest expense | $298,000 | 8,472 |
| Salaries and employee benefits | $165,000 | 8,457 |
| Premises and equipment expense | $44,000 | 8,290 |
| Additional noninterest expense | $89,000 | 8,439 |
| Pre-tax net operating income | $491,000 | 6,026 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $21,000 | 5,407 |
| Income before extraordinary items | $470,000 | 5,790 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $470,000 | 5,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,925 |
| Cash dividends | $90,000 | 5,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $470,000 | 5,785 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $816,000 | 8,202 |
| Total interest expense | $286,000 | 8,167 |
| Net interest income | $530,000 | 8,134 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $58,000 | 7,835 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $33,000 | 6,873 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $25,000 | 7,502 |
| Total noninterest expense | $170,000 | 8,516 |
| Salaries and employee benefits | $101,000 | 8,497 |
| Premises and equipment expense | $13,000 | 8,480 |
| Additional noninterest expense | $56,000 | 8,489 |
| Pre-tax net operating income | $418,000 | 6,084 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $7,000 | 5,819 |
| Income before extraordinary items | $411,000 | 5,778 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $411,000 | 5,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,153 |
| Cash dividends | $60,000 | 4,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $411,000 | 5,761 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $545,000 | 8,267 |
| Total interest expense | $186,000 | 8,238 |
| Net interest income | $359,000 | 8,201 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $38,000 | 7,903 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $22,000 | 6,923 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $16,000 | 7,569 |
| Total noninterest expense | $113,000 | 8,568 |
| Salaries and employee benefits | $64,000 | 8,548 |
| Premises and equipment expense | $9,000 | 8,515 |
| Additional noninterest expense | $40,000 | 8,532 |
| Pre-tax net operating income | $284,000 | 6,142 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,000 | 6,009 |
| Income before extraordinary items | $281,000 | 5,794 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $281,000 | 5,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,154 |
| Cash dividends | $60,000 | 4,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $281,000 | 5,784 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $270,000 | 8,325 |
| Total interest expense | $90,000 | 8,298 |
| Net interest income | $180,000 | 8,248 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $16,000 | 8,027 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $11,000 | 6,918 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $5,000 | 7,889 |
| Total noninterest expense | $59,000 | 8,603 |
| Salaries and employee benefits | $30,000 | 8,598 |
| Premises and equipment expense | $4,000 | 8,553 |
| Additional noninterest expense | $25,000 | 8,508 |
| Pre-tax net operating income | $137,000 | 6,206 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $137,000 | 5,831 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $137,000 | 5,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,267 |
| Cash dividends | $15,000 | 3,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $137,000 | 5,810 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,028,000 | 8,262 |
| Total interest expense | $319,000 | 8,267 |
| Net interest income | $709,000 | 8,194 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $91,000 | 7,841 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $50,000 | 6,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $41,000 | 7,461 |
| Total noninterest expense | $285,000 | 8,611 |
| Salaries and employee benefits | $177,000 | 8,575 |
| Premises and equipment expense | $36,000 | 8,482 |
| Additional noninterest expense | $72,000 | 8,615 |
| Pre-tax net operating income | $515,000 | 6,435 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $20,000 | 5,921 |
| Income before extraordinary items | $495,000 | 6,182 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $495,000 | 6,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,500 |
| Cash dividends | $90,000 | 5,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $495,000 | 6,177 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $752,000 | 8,347 |
| Total interest expense | $216,000 | 8,363 |
| Net interest income | $536,000 | 8,266 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $62,000 | 8,001 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $39,000 | 6,944 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,000 | 7,743 |
| Total noninterest expense | $186,000 | 8,683 |
| Salaries and employee benefits | $112,000 | 8,657 |
| Premises and equipment expense | $26,000 | 8,553 |
| Additional noninterest expense | $48,000 | 8,686 |
| Pre-tax net operating income | $412,000 | 6,564 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $6,000 | 6,367 |
| Income before extraordinary items | $406,000 | 6,203 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $406,000 | 6,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $60,000 | 4,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $406,000 | 6,208 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $479,000 | 8,423 |
| Total interest expense | $132,000 | 8,415 |
| Net interest income | $347,000 | 8,341 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $39,000 | 8,099 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $25,000 | 7,011 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,000 | 7,856 |
| Total noninterest expense | $121,000 | 8,725 |
| Salaries and employee benefits | $74,000 | 8,704 |
| Premises and equipment expense | $20,000 | 8,534 |
| Additional noninterest expense | $27,000 | 8,736 |
| Pre-tax net operating income | $265,000 | 6,673 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $265,000 | 6,268 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $265,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $30,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $265,000 | 6,272 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $236,000 | 8,440 |
| Total interest expense | $61,000 | 8,455 |
| Net interest income | $175,000 | 8,370 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $15,000 | 8,268 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $11,000 | 7,109 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,174 |
| Total noninterest expense | $59,000 | 8,744 |
| Salaries and employee benefits | $36,000 | 8,716 |
| Premises and equipment expense | $9,000 | 8,564 |
| Additional noninterest expense | $14,000 | 8,752 |
| Pre-tax net operating income | $131,000 | 6,665 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $131,000 | 6,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $131,000 | 6,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $30,000 | 3,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $131,000 | 6,240 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $888,000 | 8,429 |
| Total interest expense | $209,000 | 8,432 |
| Net interest income | $679,000 | 8,360 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $67,000 | 8,284 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $43,000 | 7,182 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $24,000 | 8,023 |
| Total noninterest expense | $298,000 | 8,750 |
| Salaries and employee benefits | $162,000 | 8,730 |
| Premises and equipment expense | $53,000 | 8,432 |
| Additional noninterest expense | $83,000 | 8,743 |
| Pre-tax net operating income | $448,000 | 6,905 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $20,000 | 6,327 |
| Income before extraordinary items | $428,000 | 6,659 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $428,000 | 6,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $145,000 | 5,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $428,000 | 6,625 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $632,000 | 8,488 |
| Total interest expense | $145,000 | 8,476 |
| Net interest income | $487,000 | 8,434 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $51,000 | 8,302 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $32,000 | 7,231 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,000 | 8,009 |
| Total noninterest expense | $184,000 | 8,798 |
| Salaries and employee benefits | $108,000 | 8,770 |
| Premises and equipment expense | $22,000 | 8,680 |
| Additional noninterest expense | $54,000 | 8,780 |
| Pre-tax net operating income | $354,000 | 6,980 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $10,000 | 6,526 |
| Income before extraordinary items | $344,000 | 6,683 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $344,000 | 6,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $91,000 | 4,757 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $344,000 | 6,643 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $420,000 | 8,502 |
| Total interest expense | $93,000 | 8,485 |
| Net interest income | $327,000 | 8,446 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $32,000 | 8,350 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $20,000 | 7,275 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $12,000 | 8,048 |
| Total noninterest expense | $120,000 | 8,813 |
| Salaries and employee benefits | $71,000 | 8,787 |
| Premises and equipment expense | $15,000 | 8,673 |
| Additional noninterest expense | $34,000 | 8,797 |
| Pre-tax net operating income | $239,000 | 6,973 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,000 | 6,566 |
| Income before extraordinary items | $233,000 | 6,649 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $233,000 | 6,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $91,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $233,000 | 6,601 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $206,000 | 8,586 |
| Total interest expense | $46,000 | 8,538 |
| Net interest income | $160,000 | 8,547 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $16,000 | 8,407 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 8,020 |
| Total noninterest expense | $62,000 | 8,879 |
| Salaries and employee benefits | $35,000 | 8,858 |
| Premises and equipment expense | $7,000 | 8,751 |
| Additional noninterest expense | $20,000 | 8,824 |
| Pre-tax net operating income | $114,000 | 7,033 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $114,000 | 6,672 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $114,000 | 6,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $25,000 | 3,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $114,000 | 6,637 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $768,000 | 8,594 |
| Total interest expense | $197,000 | 8,475 |
| Net interest income | $571,000 | 8,583 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $72,000 | 8,388 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $42,000 | 7,413 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $30,000 | 7,956 |
| Total noninterest expense | $288,000 | 8,894 |
| Salaries and employee benefits | $160,000 | 8,868 |
| Premises and equipment expense | $53,000 | 8,561 |
| Additional noninterest expense | $75,000 | 8,886 |
| Pre-tax net operating income | $355,000 | 7,260 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $24,000 | 6,462 |
| Income before extraordinary items | $331,000 | 7,103 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $331,000 | 7,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $120,000 | 5,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $331,000 | 7,046 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $568,000 | 8,648 |
| Total interest expense | $150,000 | 8,517 |
| Net interest income | $418,000 | 8,650 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $55,000 | 8,421 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $33,000 | 7,429 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 7,981 |
| Total noninterest expense | $173,000 | 8,960 |
| Salaries and employee benefits | $106,000 | 8,932 |
| Premises and equipment expense | $24,000 | 8,819 |
| Additional noninterest expense | $43,000 | 8,965 |
| Pre-tax net operating income | $300,000 | 7,210 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $12,000 | 6,731 |
| Income before extraordinary items | $288,000 | 6,978 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $288,000 | 6,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,489 |
| Cash dividends | $120,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $288,000 | 6,908 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $377,000 | 8,707 |
| Total interest expense | $103,000 | 8,558 |
| Net interest income | $274,000 | 8,706 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $36,000 | 8,481 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $22,000 | 7,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,000 | 8,074 |
| Total noninterest expense | $111,000 | 9,020 |
| Salaries and employee benefits | $70,000 | 8,992 |
| Premises and equipment expense | $16,000 | 8,866 |
| Additional noninterest expense | $25,000 | 9,035 |
| Pre-tax net operating income | $199,000 | 7,194 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,000 | 6,827 |
| Income before extraordinary items | $193,000 | 6,968 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $193,000 | 6,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,540 |
| Cash dividends | $120,000 | 4,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $193,000 | 6,891 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $190,000 | 8,745 |
| Total interest expense | $51,000 | 8,613 |
| Net interest income | $139,000 | 8,738 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $19,000 | 8,452 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $52,000 | 9,067 |
| Salaries and employee benefits | $34,000 | 9,041 |
| Premises and equipment expense | $6,000 | 8,944 |
| Additional noninterest expense | $12,000 | 9,075 |
| Pre-tax net operating income | $106,000 | 7,051 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $106,000 | 6,771 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $106,000 | 6,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $106,000 | 6,655 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $795,000 | 8,759 |
| Total interest expense | $239,000 | 8,640 |
| Net interest income | $556,000 | 8,752 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $80,000 | 8,501 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $49,000 | 7,450 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $31,000 | 8,089 |
| Total noninterest expense | $268,000 | 9,092 |
| Salaries and employee benefits | $157,000 | 9,060 |
| Premises and equipment expense | $38,000 | 8,915 |
| Additional noninterest expense | $73,000 | 9,082 |
| Pre-tax net operating income | $368,000 | 7,162 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $17,000 | 6,861 |
| Income before extraordinary items | $351,000 | 7,028 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $351,000 | 7,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,630 |
| Cash dividends | $99,000 | 5,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $351,000 | 6,886 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $587,000 | 8,844 |
| Total interest expense | $181,000 | 8,736 |
| Net interest income | $406,000 | 8,843 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $59,000 | 8,581 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $36,000 | 7,530 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $23,000 | 8,129 |
| Total noninterest expense | $178,000 | 9,170 |
| Salaries and employee benefits | $107,000 | 9,137 |
| Premises and equipment expense | $28,000 | 8,953 |
| Additional noninterest expense | $43,000 | 9,174 |
| Pre-tax net operating income | $287,000 | 7,240 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $7,000 | 7,163 |
| Income before extraordinary items | $280,000 | 7,062 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $280,000 | 7,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $99,000 | 4,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $280,000 | 6,896 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $392,000 | 8,891 |
| Total interest expense | $123,000 | 8,796 |
| Net interest income | $269,000 | 8,889 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $38,000 | 8,624 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $22,000 | 7,601 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $16,000 | 8,080 |
| Total noninterest expense | $122,000 | 9,196 |
| Salaries and employee benefits | $71,000 | 9,172 |
| Premises and equipment expense | $20,000 | 8,935 |
| Additional noninterest expense | $31,000 | 9,194 |
| Pre-tax net operating income | $185,000 | 7,334 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $7,000 | 7,084 |
| Income before extraordinary items | $178,000 | 7,184 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $178,000 | 7,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $99,000 | 4,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $178,000 | 7,004 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $200,000 | 8,939 |
| Total interest expense | $63,000 | 8,855 |
| Net interest income | $137,000 | 8,923 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $18,000 | 8,694 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $10,000 | 7,640 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $62,000 | 9,237 |
| Salaries and employee benefits | $35,000 | 9,223 |
| Premises and equipment expense | $11,000 | 8,922 |
| Additional noninterest expense | $16,000 | 9,225 |
| Pre-tax net operating income | $93,000 | 7,295 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $93,000 | 7,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $93,000 | 7,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $99,000 | 2,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $93,000 | 6,871 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 8,908 |
| Total interest expense | $301,000 | 8,885 |
| Net interest income | $642,000 | 8,828 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $71,000 | 8,735 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $40,000 | 7,685 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 8,166 |
| Total noninterest expense | $230,000 | 9,285 |
| Salaries and employee benefits | $122,000 | 9,273 |
| Premises and equipment expense | $32,000 | 9,145 |
| Additional noninterest expense | $76,000 | 9,239 |
| Pre-tax net operating income | $483,000 | 6,832 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $66,000 | 6,332 |
| Income before extraordinary items | $417,000 | 6,760 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $417,000 | 6,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,007 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $417,000 | 6,634 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $987,000 | 9,161 |
| Total interest expense | $419,000 | 9,136 |
| Net interest income | $568,000 | 9,088 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $79,000 | 8,792 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $45,000 | 7,695 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $34,000 | 8,222 |
| Total noninterest expense | $446,000 | 9,275 |
| Salaries and employee benefits | $232,000 | 9,312 |
| Premises and equipment expense | $63,000 | 8,919 |
| Additional noninterest expense | $151,000 | 9,050 |
| Pre-tax net operating income | $201,000 | 7,880 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $97,000 | 6,045 |
| Income before extraordinary items | $104,000 | 8,303 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $104,000 | 8,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 9,204 |
| Cash dividends | $150,000 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $104,000 | 8,197 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $983,000 | 9,408 |
| Total interest expense | $396,000 | 9,423 |
| Net interest income | $587,000 | 9,312 |
| Provision for loan and lease losses | $11,000 | 7,947 |
| Total noninterest income | $86,000 | 8,792 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 7,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 7,858 |
| Total noninterest expense | $284,000 | 9,773 |
| Salaries and employee benefits | $164,000 | 9,713 |
| Premises and equipment expense | $42,000 | 9,508 |
| Additional noninterest expense | $78,000 | 9,753 |
| Pre-tax net operating income | $378,000 | 7,564 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $165,000 | 5,765 |
| Income before extraordinary items | $213,000 | 7,994 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $213,000 | 7,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 9,421 |
| Cash dividends | $140,000 | 5,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $213,000 | 7,996 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $892,000 | 9,708 |
| Total interest expense | $364,000 | 9,708 |
| Net interest income | $528,000 | 9,639 |
| Provision for loan and lease losses | $113,000 | 4,987 |
| Total noninterest income | $101,000 | 8,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,115 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 7,632 |
| Total noninterest expense | $283,000 | 10,076 |
| Salaries and employee benefits | $163,000 | 10,018 |
| Premises and equipment expense | $51,000 | 9,622 |
| Additional noninterest expense | $69,000 | 10,097 |
| Pre-tax net operating income | $233,000 | 8,416 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $66,000 | 7,402 |
| Income before extraordinary items | $167,000 | 8,531 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $167,000 | 8,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,952 |
| Cash dividends | $150,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $167,000 | 8,493 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $898,000 | 9,945 |
| Total interest expense | $370,000 | 9,938 |
| Net interest income | $528,000 | 9,867 |
| Provision for loan and lease losses | $15,000 | 7,946 |
| Total noninterest income | $88,000 | 9,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,242 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 8,300 |
| Total noninterest expense | $274,000 | 10,305 |
| Salaries and employee benefits | $172,000 | 10,216 |
| Premises and equipment expense | $26,000 | 10,237 |
| Additional noninterest expense | $76,000 | 10,283 |
| Pre-tax net operating income | $327,000 | 8,241 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $94,000 | 7,627 |
| Income before extraordinary items | $233,000 | 8,365 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $233,000 | 8,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $160,000 | 5,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $233,000 | 8,294 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $857,000 | 10,425 |
| Total interest expense | $351,000 | 10,433 |
| Net interest income | $506,000 | 10,363 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $85,000 | 9,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,616 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,733 |
| Total noninterest expense | $251,000 | 10,777 |
| Salaries and employee benefits | $164,000 | 10,677 |
| Premises and equipment expense | $28,000 | 10,649 |
| Additional noninterest expense | $59,000 | 10,795 |
| Pre-tax net operating income | $325,000 | 8,851 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $95,000 | 8,486 |
| Income before extraordinary items | $231,000 | 8,902 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $231,000 | 8,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,380 |
| Cash dividends | $225,000 | 5,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $230,290 | 8,875 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $851,000 | 10,977 |
| Total interest expense | $339,000 | 11,005 |
| Net interest income | $512,000 | 10,864 |
| Provision for loan and lease losses | $15,000 | 8,204 |
| Total noninterest income | $81,000 | 10,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 9,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,116 |
| Total noninterest expense | $264,000 | 11,293 |
| Salaries and employee benefits | $159,000 | 11,201 |
| Premises and equipment expense | $32,000 | 11,103 |
| Additional noninterest expense | $73,000 | 11,289 |
| Pre-tax net operating income | $314,000 | 9,036 |
| Securities gains (losses) | $-8,000 | 10,177 |
| Applicable income taxes | $98,000 | 8,783 |
| Income before extraordinary items | $205,000 | 9,244 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $205,000 | 9,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 10,993 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $210,440 | 9,143 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $764,000 | 11,566 |
| Total interest expense | $291,000 | 11,595 |
| Net interest income | $473,000 | 11,461 |
| Provision for loan and lease losses | $155,000 | 3,565 |
| Total noninterest income | $78,000 | 10,778 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 9,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,521 |
| Total noninterest expense | $270,000 | 11,775 |
| Salaries and employee benefits | $165,000 | 11,671 |
| Premises and equipment expense | $32,000 | 11,571 |
| Additional noninterest expense | $73,000 | 11,801 |
| Pre-tax net operating income | $126,000 | 10,932 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $40,000 | 10,383 |
| Income before extraordinary items | $89,000 | 11,026 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $89,000 | 11,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,096 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $86,930 | 11,024 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $649,000 | 12,257 |
| Total interest expense | $222,000 | 12,285 |
| Net interest income | $427,000 | 12,185 |
| Provision for loan and lease losses | $140,000 | 3,750 |
| Total noninterest income | $83,000 | 11,175 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 10,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,769 |
| Total noninterest expense | $260,000 | 12,428 |
| Salaries and employee benefits | $164,000 | 12,287 |
| Premises and equipment expense | $32,000 | 12,185 |
| Additional noninterest expense | $64,000 | 12,502 |
| Pre-tax net operating income | $110,000 | 11,559 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $11,000 | 11,350 |
| Income before extraordinary items | $99,000 | 11,395 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $99,000 | 11,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,073 |
| Cash dividends | $37,000 | 8,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $99,000 | 11,435 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $711,000 | 12,795 |
| Total interest expense | $229,000 | 12,905 |
| Net interest income | $482,000 | 12,599 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $79,000 | 11,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 10,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,560 |
| Total noninterest expense | $260,000 | 13,079 |
| Salaries and employee benefits | $158,000 | 12,932 |
| Premises and equipment expense | $31,000 | 12,825 |
| Additional noninterest expense | $71,000 | 13,133 |
| Pre-tax net operating income | $301,000 | 10,232 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $115,000 | 9,413 |
| Income before extraordinary items | $186,000 | 10,805 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $186,000 | 10,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 11,891 |
| Cash dividends | $37,000 | 8,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $186,000 | 10,589 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $751,000 | 13,415 |
| Total interest expense | $274,000 | 13,542 |
| Net interest income | $477,000 | 13,153 |
| Provision for loan and lease losses | $27,000 | 10,147 |
| Total noninterest income | $80,000 | 12,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 11,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,399 |
| Total noninterest expense | $266,000 | 13,662 |
| Salaries and employee benefits | $158,000 | 13,499 |
| Premises and equipment expense | $39,000 | 13,096 |
| Additional noninterest expense | $69,000 | 13,751 |
| Pre-tax net operating income | $264,000 | 10,482 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $76,000 | 10,553 |
| Income before extraordinary items | $188,000 | 10,765 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $188,000 | 10,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $20,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $188,000 | 10,426 |
* 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.