Home > Mt. Washington Co-operative Bank > Income and Expense
Mt. Washington Co-operative Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,440,000 | 1,341 |
| Total interest expense | $9,878,000 | 1,208 |
| Net interest income | $15,562,000 | 1,430 |
| Provision for loan and lease losses | $2,254,000 | 2,324 |
| Total noninterest income | $3,184,000 | 1,543 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,415,000 | 1,218 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,769,000 | 1,495 |
| Total noninterest expense | $19,569,000 | 1,067 |
| Salaries and employee benefits | $8,332,000 | 1,177 |
| Premises and equipment expense | $2,738,000 | 993 |
| Additional noninterest expense | $8,499,000 | 928 |
| Pre-tax net operating income | $-3,077,000 | 6,908 |
| Securities gains (losses) | $310,000 | 1,208 |
| Applicable income taxes | $-295,000 | 6,861 |
| Income before extraordinary items | $-2,472,000 | 6,881 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,472,000 | 6,878 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,472,000 | 6,879 |
| Net charge-offs | $1,155,000 | 2,700 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,747,900 | 6,950 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $19,325,000 | 1,356 |
| Total interest expense | $7,623,000 | 1,231 |
| Net interest income | $11,702,000 | 1,425 |
| Provision for loan and lease losses | $1,904,000 | 1,972 |
| Total noninterest income | $2,467,000 | 1,529 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,050,000 | 1,231 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,417,000 | 1,451 |
| Total noninterest expense | $13,968,000 | 1,116 |
| Salaries and employee benefits | $6,303,000 | 1,177 |
| Premises and equipment expense | $1,962,000 | 1,049 |
| Additional noninterest expense | $5,703,000 | 991 |
| Pre-tax net operating income | $-1,703,000 | 6,948 |
| Securities gains (losses) | $311,000 | 972 |
| Applicable income taxes | $-258,000 | 7,165 |
| Income before extraordinary items | $-1,134,000 | 6,813 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,134,000 | 6,813 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,134,000 | 6,814 |
| Net charge-offs | $942,000 | 2,266 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,385,910 | 6,931 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $13,146,000 | 1,354 |
| Total interest expense | $5,297,000 | 1,245 |
| Net interest income | $7,849,000 | 1,419 |
| Provision for loan and lease losses | $1,254,000 | 1,800 |
| Total noninterest income | $1,648,000 | 1,540 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $668,000 | 1,272 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $980,000 | 1,453 |
| Total noninterest expense | $9,589,000 | 1,102 |
| Salaries and employee benefits | $4,386,000 | 1,153 |
| Premises and equipment expense | $1,371,000 | 1,025 |
| Additional noninterest expense | $3,832,000 | 1,003 |
| Pre-tax net operating income | $-1,346,000 | 7,174 |
| Securities gains (losses) | $311,000 | 733 |
| Applicable income taxes | $-295,000 | 7,414 |
| Income before extraordinary items | $-740,000 | 6,979 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-740,000 | 6,979 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-740,000 | 6,979 |
| Net charge-offs | $575,000 | 2,186 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-960,810 | 7,120 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,777,000 | 1,344 |
| Total interest expense | $2,768,000 | 1,239 |
| Net interest income | $4,009,000 | 1,375 |
| Provision for loan and lease losses | $525,000 | 1,728 |
| Total noninterest income | $692,000 | 1,707 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $306,000 | 1,348 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $386,000 | 1,656 |
| Total noninterest expense | $4,265,000 | 1,174 |
| Salaries and employee benefits | $2,190,000 | 1,161 |
| Premises and equipment expense | $711,000 | 1,008 |
| Additional noninterest expense | $1,364,000 | 1,212 |
| Pre-tax net operating income | $-89,000 | 6,613 |
| Securities gains (losses) | $220,000 | 627 |
| Applicable income taxes | $-19,000 | 7,266 |
| Income before extraordinary items | $150,000 | 4,353 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $150,000 | 4,356 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $150,000 | 4,356 |
| Net charge-offs | $306,000 | 1,752 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-70,000 | 6,625 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $31,731,000 | 1,202 |
| Total interest expense | $14,287,000 | 1,137 |
| Net interest income | $17,444,000 | 1,272 |
| Provision for loan and lease losses | $3,801,000 | 1,198 |
| Total noninterest income | $3,663,000 | 1,358 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,750,000 | 1,022 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,913,000 | 1,338 |
| Total noninterest expense | $19,401,000 | 1,022 |
| Salaries and employee benefits | $9,572,000 | 1,041 |
| Premises and equipment expense | $3,273,000 | 841 |
| Additional noninterest expense | $6,556,000 | 975 |
| Pre-tax net operating income | $-2,095,000 | 7,386 |
| Securities gains (losses) | $-4,128,000 | 8,052 |
| Applicable income taxes | $-2,122,000 | 7,931 |
| Income before extraordinary items | $-4,101,000 | 7,745 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,101,000 | 7,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,428,000 | 912 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,376,520 | 7,269 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $24,180,000 | 1,213 |
| Total interest expense | $11,081,000 | 1,146 |
| Net interest income | $13,099,000 | 1,284 |
| Provision for loan and lease losses | $3,087,000 | 886 |
| Total noninterest income | $2,824,000 | 1,367 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,368,000 | 988 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,456,000 | 1,394 |
| Total noninterest expense | $15,020,000 | 991 |
| Salaries and employee benefits | $7,400,000 | 1,033 |
| Premises and equipment expense | $2,490,000 | 832 |
| Additional noninterest expense | $5,130,000 | 890 |
| Pre-tax net operating income | $-2,184,000 | 7,898 |
| Securities gains (losses) | $-2,821,000 | 8,130 |
| Applicable income taxes | $-1,784,000 | 8,165 |
| Income before extraordinary items | $-3,221,000 | 8,034 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,221,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 3,043 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,415,560 | 7,775 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,407,000 | 1,204 |
| Total interest expense | $7,828,000 | 1,118 |
| Net interest income | $8,579,000 | 1,303 |
| Provision for loan and lease losses | $381,000 | 2,223 |
| Total noninterest income | $1,913,000 | 1,380 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $905,000 | 970 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,008,000 | 1,384 |
| Total noninterest expense | $10,265,000 | 963 |
| Salaries and employee benefits | $5,117,000 | 1,015 |
| Premises and equipment expense | $1,682,000 | 823 |
| Additional noninterest expense | $3,466,000 | 854 |
| Pre-tax net operating income | $-154,000 | 7,267 |
| Securities gains (losses) | $166,000 | 693 |
| Applicable income taxes | $78,000 | 3,698 |
| Income before extraordinary items | $-66,000 | 7,187 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-66,000 | 7,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,600 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-172,240 | 7,347 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,698,000 | 1,329 |
| Total interest expense | $3,902,000 | 1,195 |
| Net interest income | $3,796,000 | 1,457 |
| Provision for loan and lease losses | $105,000 | 2,634 |
| Total noninterest income | $937,000 | 1,398 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $430,000 | 1,008 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $507,000 | 1,403 |
| Total noninterest expense | $4,018,000 | 1,205 |
| Salaries and employee benefits | $1,955,000 | 1,331 |
| Premises and equipment expense | $751,000 | 920 |
| Additional noninterest expense | $1,312,000 | 1,103 |
| Pre-tax net operating income | $610,000 | 2,670 |
| Securities gains (losses) | $8,000 | 2,056 |
| Applicable income taxes | $167,000 | 2,191 |
| Income before extraordinary items | $451,000 | 2,926 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $451,000 | 2,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,277 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $445,160 | 2,864 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $31,015,000 | 1,380 |
| Total interest expense | $16,498,000 | 1,203 |
| Net interest income | $14,517,000 | 1,566 |
| Provision for loan and lease losses | $1,373,000 | 1,134 |
| Total noninterest income | $3,396,000 | 1,495 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,935,000 | 922 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,461,000 | 1,700 |
| Total noninterest expense | $14,768,000 | 1,258 |
| Salaries and employee benefits | $7,700,000 | 1,302 |
| Premises and equipment expense | $2,613,000 | 999 |
| Additional noninterest expense | $4,455,000 | 1,263 |
| Pre-tax net operating income | $1,772,000 | 3,576 |
| Securities gains (losses) | $340,000 | 329 |
| Applicable income taxes | $722,000 | 2,260 |
| Income before extraordinary items | $1,390,000 | 3,597 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,390,000 | 3,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 2,178 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,165,600 | 3,994 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $23,077,000 | 1,398 |
| Total interest expense | $12,257,000 | 1,222 |
| Net interest income | $10,820,000 | 1,581 |
| Provision for loan and lease losses | $1,298,000 | 723 |
| Total noninterest income | $2,508,000 | 1,517 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,382,000 | 949 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,126,000 | 1,668 |
| Total noninterest expense | $10,910,000 | 1,270 |
| Salaries and employee benefits | $5,791,000 | 1,299 |
| Premises and equipment expense | $1,904,000 | 1,032 |
| Additional noninterest expense | $3,215,000 | 1,271 |
| Pre-tax net operating income | $1,120,000 | 4,105 |
| Securities gains (losses) | $238,000 | 345 |
| Applicable income taxes | $512,000 | 2,502 |
| Income before extraordinary items | $846,000 | 4,228 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $846,000 | 4,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 1,646 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $693,680 | 4,670 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,155,000 | 1,433 |
| Total interest expense | $8,073,000 | 1,238 |
| Net interest income | $7,082,000 | 1,626 |
| Provision for loan and lease losses | $1,223,000 | 500 |
| Total noninterest income | $1,567,000 | 1,619 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $873,000 | 1,010 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $694,000 | 1,789 |
| Total noninterest expense | $7,126,000 | 1,308 |
| Salaries and employee benefits | $3,783,000 | 1,345 |
| Premises and equipment expense | $1,293,000 | 1,012 |
| Additional noninterest expense | $2,050,000 | 1,350 |
| Pre-tax net operating income | $300,000 | 6,038 |
| Securities gains (losses) | $233,000 | 283 |
| Applicable income taxes | $283,000 | 2,804 |
| Income before extraordinary items | $250,000 | 6,020 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $250,000 | 6,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 1,422 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $100,880 | 7,110 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,472,000 | 1,444 |
| Total interest expense | $3,986,000 | 1,234 |
| Net interest income | $3,486,000 | 1,648 |
| Provision for loan and lease losses | $174,000 | 1,298 |
| Total noninterest income | $718,000 | 1,704 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $383,000 | 1,119 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $335,000 | 1,811 |
| Total noninterest expense | $3,521,000 | 1,322 |
| Salaries and employee benefits | $1,874,000 | 1,369 |
| Premises and equipment expense | $662,000 | 997 |
| Additional noninterest expense | $985,000 | 1,351 |
| Pre-tax net operating income | $509,000 | 3,492 |
| Securities gains (losses) | $68,000 | 367 |
| Applicable income taxes | $168,000 | 2,627 |
| Income before extraordinary items | $409,000 | 3,438 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $409,000 | 3,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 1,199 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $360,720 | 3,727 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $27,297,000 | 1,462 |
| Total interest expense | $13,640,000 | 1,234 |
| Net interest income | $13,657,000 | 1,678 |
| Provision for loan and lease losses | $658,000 | 1,490 |
| Total noninterest income | $2,961,000 | 1,652 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,683,000 | 1,049 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,278,000 | 1,874 |
| Total noninterest expense | $12,976,000 | 1,378 |
| Salaries and employee benefits | $6,405,000 | 1,545 |
| Premises and equipment expense | $2,489,000 | 1,007 |
| Additional noninterest expense | $4,082,000 | 1,304 |
| Pre-tax net operating income | $2,984,000 | 2,788 |
| Securities gains (losses) | $519,000 | 245 |
| Applicable income taxes | $1,113,000 | 2,052 |
| Income before extraordinary items | $2,390,000 | 2,707 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,390,000 | 2,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,110 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,037,080 | 3,051 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,006,000 | 1,486 |
| Total interest expense | $9,785,000 | 1,259 |
| Net interest income | $10,221,000 | 1,697 |
| Provision for loan and lease losses | $484,000 | 1,428 |
| Total noninterest income | $2,205,000 | 1,676 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,248,000 | 1,061 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $957,000 | 1,882 |
| Total noninterest expense | $9,630,000 | 1,395 |
| Salaries and employee benefits | $4,714,000 | 1,580 |
| Premises and equipment expense | $1,863,000 | 1,017 |
| Additional noninterest expense | $3,053,000 | 1,311 |
| Pre-tax net operating income | $2,312,000 | 2,822 |
| Securities gains (losses) | $477,000 | 219 |
| Applicable income taxes | $895,000 | 2,033 |
| Income before extraordinary items | $1,894,000 | 2,690 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,894,000 | 2,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 1,731 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,569,640 | 3,096 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,998,000 | 1,490 |
| Total interest expense | $6,120,000 | 1,279 |
| Net interest income | $6,878,000 | 1,684 |
| Provision for loan and lease losses | $309,000 | 1,438 |
| Total noninterest income | $1,443,000 | 1,696 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $801,000 | 1,106 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $642,000 | 1,877 |
| Total noninterest expense | $6,439,000 | 1,402 |
| Salaries and employee benefits | $3,162,000 | 1,567 |
| Premises and equipment expense | $1,281,000 | 989 |
| Additional noninterest expense | $1,996,000 | 1,339 |
| Pre-tax net operating income | $1,573,000 | 2,786 |
| Securities gains (losses) | $465,000 | 172 |
| Applicable income taxes | $649,000 | 1,951 |
| Income before extraordinary items | $1,389,000 | 2,488 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,389,000 | 2,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,282 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,072,800 | 3,040 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,214,000 | 1,527 |
| Total interest expense | $2,797,000 | 1,325 |
| Net interest income | $3,417,000 | 1,688 |
| Provision for loan and lease losses | $170,000 | 1,293 |
| Total noninterest income | $681,000 | 1,742 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $368,000 | 1,176 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $313,000 | 1,877 |
| Total noninterest expense | $3,215,000 | 1,404 |
| Salaries and employee benefits | $1,555,000 | 1,599 |
| Premises and equipment expense | $667,000 | 950 |
| Additional noninterest expense | $993,000 | 1,326 |
| Pre-tax net operating income | $713,000 | 2,935 |
| Securities gains (losses) | $192,000 | 188 |
| Applicable income taxes | $290,000 | 2,069 |
| Income before extraordinary items | $615,000 | 2,693 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $615,000 | 2,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,616 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $484,440 | 3,226 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,981,000 | 1,518 |
| Total interest expense | $8,320,000 | 1,366 |
| Net interest income | $13,661,000 | 1,606 |
| Provision for loan and lease losses | $520,000 | 1,829 |
| Total noninterest income | $2,701,000 | 1,759 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,502,000 | 1,182 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,199,000 | 1,966 |
| Total noninterest expense | $12,850,000 | 1,346 |
| Salaries and employee benefits | $6,212,000 | 1,514 |
| Premises and equipment expense | $2,534,000 | 950 |
| Additional noninterest expense | $4,104,000 | 1,264 |
| Pre-tax net operating income | $2,992,000 | 2,760 |
| Securities gains (losses) | $478,000 | 287 |
| Applicable income taxes | $950,000 | 2,326 |
| Income before extraordinary items | $2,520,000 | 2,586 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,520,000 | 2,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 1,168 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,171,060 | 2,853 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,047,000 | 1,516 |
| Total interest expense | $5,826,000 | 1,380 |
| Net interest income | $10,221,000 | 1,592 |
| Provision for loan and lease losses | $350,000 | 1,932 |
| Total noninterest income | $1,964,000 | 1,802 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $748,000 | 1,718 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,216,000 | 1,573 |
| Total noninterest expense | $9,704,000 | 1,323 |
| Salaries and employee benefits | $4,730,000 | 1,468 |
| Premises and equipment expense | $1,882,000 | 945 |
| Additional noninterest expense | $3,092,000 | 1,237 |
| Pre-tax net operating income | $2,131,000 | 2,918 |
| Securities gains (losses) | $415,000 | 298 |
| Applicable income taxes | $658,000 | 2,490 |
| Income before extraordinary items | $1,888,000 | 2,588 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,888,000 | 2,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,025 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,580,900 | 2,971 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,382,000 | 1,528 |
| Total interest expense | $3,649,000 | 1,383 |
| Net interest income | $6,733,000 | 1,593 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $1,206,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $656,000 | 1,314 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $550,000 | 2,049 |
| Total noninterest expense | $6,305,000 | 1,348 |
| Salaries and employee benefits | $3,249,000 | 1,419 |
| Premises and equipment expense | $1,259,000 | 930 |
| Additional noninterest expense | $1,797,000 | 1,388 |
| Pre-tax net operating income | $1,454,000 | 2,827 |
| Securities gains (losses) | $337,000 | 301 |
| Applicable income taxes | $472,000 | 2,347 |
| Income before extraordinary items | $1,319,000 | 2,459 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,319,000 | 2,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 957 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,069,620 | 2,898 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,020,000 | 1,556 |
| Total interest expense | $1,700,000 | 1,410 |
| Net interest income | $3,320,000 | 1,610 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $521,000 | 2,077 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $279,000 | 1,463 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $242,000 | 2,206 |
| Total noninterest expense | $2,948,000 | 1,436 |
| Salaries and employee benefits | $1,334,000 | 1,728 |
| Premises and equipment expense | $523,000 | 1,156 |
| Additional noninterest expense | $1,091,000 | 1,128 |
| Pre-tax net operating income | $803,000 | 2,562 |
| Securities gains (losses) | $144,000 | 301 |
| Applicable income taxes | $280,000 | 2,082 |
| Income before extraordinary items | $667,000 | 2,412 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $667,000 | 2,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 666 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $566,200 | 2,692 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,430,000 | 1,561 |
| Total interest expense | $5,510,000 | 1,495 |
| Net interest income | $12,920,000 | 1,576 |
| Provision for loan and lease losses | $298,000 | 2,965 |
| Total noninterest income | $2,518,000 | 1,860 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,119,000 | 1,568 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,399,000 | 1,722 |
| Total noninterest expense | $11,844,000 | 1,386 |
| Salaries and employee benefits | $5,749,000 | 1,544 |
| Premises and equipment expense | $1,982,000 | 1,158 |
| Additional noninterest expense | $4,113,000 | 1,196 |
| Pre-tax net operating income | $3,296,000 | 2,389 |
| Securities gains (losses) | $417,000 | 509 |
| Applicable income taxes | $1,148,000 | 1,959 |
| Income before extraordinary items | $2,565,000 | 2,378 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,565,000 | 2,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,170 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,277,270 | 2,563 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,604,000 | 1,571 |
| Total interest expense | $4,031,000 | 1,501 |
| Net interest income | $9,573,000 | 1,577 |
| Provision for loan and lease losses | $213,000 | 2,890 |
| Total noninterest income | $1,650,000 | 2,066 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $810,000 | 1,633 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $840,000 | 2,004 |
| Total noninterest expense | $8,666,000 | 1,412 |
| Salaries and employee benefits | $4,233,000 | 1,568 |
| Premises and equipment expense | $1,545,000 | 1,112 |
| Additional noninterest expense | $2,888,000 | 1,278 |
| Pre-tax net operating income | $2,344,000 | 2,530 |
| Securities gains (losses) | $372,000 | 515 |
| Applicable income taxes | $853,000 | 2,011 |
| Income before extraordinary items | $1,863,000 | 2,473 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,863,000 | 2,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 2,998 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,606,320 | 2,721 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,903,000 | 1,589 |
| Total interest expense | $2,601,000 | 1,528 |
| Net interest income | $6,302,000 | 1,579 |
| Provision for loan and lease losses | $138,000 | 2,915 |
| Total noninterest income | $1,057,000 | 2,111 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $519,000 | 1,685 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $538,000 | 2,075 |
| Total noninterest expense | $5,462,000 | 1,490 |
| Salaries and employee benefits | $2,704,000 | 1,637 |
| Premises and equipment expense | $983,000 | 1,180 |
| Additional noninterest expense | $1,775,000 | 1,367 |
| Pre-tax net operating income | $1,759,000 | 2,279 |
| Securities gains (losses) | $216,000 | 620 |
| Applicable income taxes | $659,000 | 1,788 |
| Income before extraordinary items | $1,316,000 | 2,327 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,316,000 | 2,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,066 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,171,280 | 2,518 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,457,000 | 1,585 |
| Total interest expense | $1,298,000 | 1,543 |
| Net interest income | $3,159,000 | 1,580 |
| Provision for loan and lease losses | $69,000 | 2,785 |
| Total noninterest income | $499,000 | 2,163 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $242,000 | 1,761 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $257,000 | 2,090 |
| Total noninterest expense | $2,642,000 | 1,539 |
| Salaries and employee benefits | $1,260,000 | 1,757 |
| Premises and equipment expense | $505,000 | 1,167 |
| Additional noninterest expense | $877,000 | 1,381 |
| Pre-tax net operating income | $947,000 | 2,105 |
| Securities gains (losses) | $77,000 | 940 |
| Applicable income taxes | $349,000 | 1,734 |
| Income before extraordinary items | $675,000 | 2,247 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $675,000 | 2,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $624,180 | 2,319 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,983,000 | 1,685 |
| Total interest expense | $5,724,000 | 1,567 |
| Net interest income | $11,259,000 | 1,720 |
| Provision for loan and lease losses | $252,000 | 3,526 |
| Total noninterest income | $2,128,000 | 2,226 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $895,000 | 1,927 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,233,000 | 2,082 |
| Total noninterest expense | $9,569,000 | 1,673 |
| Salaries and employee benefits | $4,571,000 | 1,886 |
| Premises and equipment expense | $1,439,000 | 1,587 |
| Additional noninterest expense | $3,559,000 | 1,380 |
| Pre-tax net operating income | $3,566,000 | 2,186 |
| Securities gains (losses) | $219,000 | 1,280 |
| Applicable income taxes | $1,163,000 | 1,972 |
| Income before extraordinary items | $2,622,000 | 2,280 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,622,000 | 2,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,091 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,470,890 | 2,290 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,528,000 | 1,738 |
| Total interest expense | $4,426,000 | 1,572 |
| Net interest income | $8,102,000 | 1,820 |
| Provision for loan and lease losses | $183,000 | 3,481 |
| Total noninterest income | $1,542,000 | 2,307 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $654,000 | 1,981 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $888,000 | 2,217 |
| Total noninterest expense | $6,952,000 | 1,734 |
| Salaries and employee benefits | $3,308,000 | 1,947 |
| Premises and equipment expense | $1,035,000 | 1,658 |
| Additional noninterest expense | $2,609,000 | 1,419 |
| Pre-tax net operating income | $2,509,000 | 2,377 |
| Securities gains (losses) | $114,000 | 1,635 |
| Applicable income taxes | $776,000 | 2,243 |
| Income before extraordinary items | $1,847,000 | 2,498 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,847,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,430 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,767,200 | 2,473 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,302,000 | 1,762 |
| Total interest expense | $3,005,000 | 1,607 |
| Net interest income | $5,297,000 | 1,848 |
| Provision for loan and lease losses | $114,000 | 3,657 |
| Total noninterest income | $1,023,000 | 2,321 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $432,000 | 1,955 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $591,000 | 2,207 |
| Total noninterest expense | $4,475,000 | 1,769 |
| Salaries and employee benefits | $2,459,000 | 1,747 |
| Premises and equipment expense | $690,000 | 1,658 |
| Additional noninterest expense | $1,326,000 | 1,815 |
| Pre-tax net operating income | $1,731,000 | 2,319 |
| Securities gains (losses) | $100,000 | 1,516 |
| Applicable income taxes | $571,000 | 2,115 |
| Income before extraordinary items | $1,260,000 | 2,457 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,260,000 | 2,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,150 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,191,000 | 2,449 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,218,000 | 1,746 |
| Total interest expense | $1,497,000 | 1,667 |
| Net interest income | $2,721,000 | 1,786 |
| Provision for loan and lease losses | $57,000 | 3,503 |
| Total noninterest income | $464,000 | 2,426 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $202,000 | 2,001 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $262,000 | 2,299 |
| Total noninterest expense | $2,173,000 | 1,809 |
| Salaries and employee benefits | $1,207,000 | 1,767 |
| Premises and equipment expense | $347,000 | 1,653 |
| Additional noninterest expense | $619,000 | 1,892 |
| Pre-tax net operating income | $955,000 | 2,123 |
| Securities gains (losses) | $33,000 | 1,627 |
| Applicable income taxes | $315,000 | 1,984 |
| Income before extraordinary items | $673,000 | 2,276 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $673,000 | 2,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,327 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $650,560 | 2,221 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,553,000 | 1,861 |
| Total interest expense | $6,441,000 | 1,774 |
| Net interest income | $10,112,000 | 1,926 |
| Provision for loan and lease losses | $219,000 | 4,181 |
| Total noninterest income | $1,404,000 | 2,746 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $714,000 | 2,223 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $690,000 | 2,732 |
| Total noninterest expense | $8,246,000 | 1,836 |
| Salaries and employee benefits | $3,579,000 | 2,238 |
| Premises and equipment expense | $973,000 | 2,243 |
| Additional noninterest expense | $3,694,000 | 1,306 |
| Pre-tax net operating income | $3,051,000 | 2,468 |
| Securities gains (losses) | $434,000 | 721 |
| Applicable income taxes | $1,030,000 | 2,167 |
| Income before extraordinary items | $2,455,000 | 2,391 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,455,000 | 2,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,321 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,151,200 | 2,559 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,705,000 | 2,191 |
| Total interest expense | $7,473,000 | 2,149 |
| Net interest income | $8,232,000 | 2,179 |
| Provision for loan and lease losses | $195,000 | 4,194 |
| Total noninterest income | $979,000 | 3,391 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $544,000 | 2,643 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $435,000 | 3,380 |
| Total noninterest expense | $6,475,000 | 2,218 |
| Salaries and employee benefits | $3,280,000 | 2,289 |
| Premises and equipment expense | $784,000 | 2,686 |
| Additional noninterest expense | $2,411,000 | 1,878 |
| Pre-tax net operating income | $2,541,000 | 2,630 |
| Securities gains (losses) | $297,000 | 904 |
| Applicable income taxes | $989,000 | 2,081 |
| Income before extraordinary items | $1,849,000 | 2,718 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,849,000 | 2,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,729 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,655,950 | 2,892 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,439,000 | 2,590 |
| Total interest expense | $6,895,000 | 2,441 |
| Net interest income | $6,544,000 | 2,718 |
| Provision for loan and lease losses | $128,000 | 4,722 |
| Total noninterest income | $580,000 | 4,495 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $342,000 | 3,665 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $238,000 | 4,393 |
| Total noninterest expense | $4,757,000 | 2,851 |
| Salaries and employee benefits | $2,093,000 | 3,338 |
| Premises and equipment expense | $638,000 | 3,109 |
| Additional noninterest expense | $2,026,000 | 2,125 |
| Pre-tax net operating income | $2,239,000 | 3,051 |
| Securities gains (losses) | $434,000 | 281 |
| Applicable income taxes | $986,000 | 2,148 |
| Income before extraordinary items | $1,687,000 | 2,954 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,687,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 9,334 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,409,240 | 3,407 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,677,000 | 3,022 |
| Total interest expense | $5,504,000 | 2,685 |
| Net interest income | $5,173,000 | 3,355 |
| Provision for loan and lease losses | $55,000 | 6,383 |
| Total noninterest income | $291,000 | 6,528 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $237,000 | 4,664 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $54,000 | 7,918 |
| Total noninterest expense | $3,394,000 | 3,793 |
| Salaries and employee benefits | $1,689,000 | 3,947 |
| Premises and equipment expense | $449,000 | 4,131 |
| Additional noninterest expense | $1,256,000 | 3,294 |
| Pre-tax net operating income | $2,015,000 | 3,323 |
| Securities gains (losses) | $-100,000 | 9,953 |
| Applicable income taxes | $719,000 | 2,857 |
| Income before extraordinary items | $1,196,000 | 3,893 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,196,000 | 3,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 9,481 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,260,000 | 3,681 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,871,000 | 3,267 |
| Total interest expense | $5,376,000 | 2,800 |
| Net interest income | $4,495,000 | 3,741 |
| Provision for loan and lease losses | $35,000 | 7,178 |
| Total noninterest income | $314,000 | 6,334 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $239,000 | 4,640 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $75,000 | 7,329 |
| Total noninterest expense | $2,932,000 | 4,207 |
| Salaries and employee benefits | $1,569,000 | 4,101 |
| Premises and equipment expense | $394,000 | 4,472 |
| Additional noninterest expense | $969,000 | 4,061 |
| Pre-tax net operating income | $1,842,000 | 3,566 |
| Securities gains (losses) | $1,073,000 | 366 |
| Applicable income taxes | $1,120,000 | 2,107 |
| Income before extraordinary items | $1,795,000 | 2,795 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,795,000 | 2,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 9,897 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,108,280 | 4,069 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,168,000 | 3,524 |
| Total interest expense | $4,778,000 | 3,114 |
| Net interest income | $4,390,000 | 3,887 |
| Provision for loan and lease losses | $2,000 | 8,765 |
| Total noninterest income | $339,000 | 6,258 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $257,000 | 4,566 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $82,000 | 7,323 |
| Total noninterest expense | $2,864,000 | 4,259 |
| Salaries and employee benefits | $1,559,000 | 4,112 |
| Premises and equipment expense | $367,000 | 4,734 |
| Additional noninterest expense | $938,000 | 4,149 |
| Pre-tax net operating income | $1,863,000 | 3,752 |
| Securities gains (losses) | $195,000 | 718 |
| Applicable income taxes | $755,000 | 3,058 |
| Income before extraordinary items | $1,303,000 | 3,787 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,303,000 | 3,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,078 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,178,200 | 4,058 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,201,000 | 3,939 |
| Total interest expense | $4,381,000 | 3,399 |
| Net interest income | $3,820,000 | 4,492 |
| Provision for loan and lease losses | $27,000 | 7,576 |
| Total noninterest income | $335,000 | 6,564 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $247,000 | 4,865 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $88,000 | 7,486 |
| Total noninterest expense | $2,571,000 | 4,895 |
| Salaries and employee benefits | $1,492,000 | 4,327 |
| Premises and equipment expense | $291,000 | 5,710 |
| Additional noninterest expense | $788,000 | 5,261 |
| Pre-tax net operating income | $1,557,000 | 4,204 |
| Securities gains (losses) | $562,000 | 387 |
| Applicable income taxes | $801,000 | 2,837 |
| Income before extraordinary items | $1,318,000 | 3,590 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,318,000 | 3,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $958,320 | 4,594 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,514,000 | 4,257 |
| Total interest expense | $3,643,000 | 4,009 |
| Net interest income | $3,871,000 | 4,438 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $321,000 | 6,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 5,309 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,273 |
| Total noninterest expense | $2,459,000 | 5,070 |
| Salaries and employee benefits | $1,401,000 | 4,560 |
| Premises and equipment expense | $284,000 | 5,873 |
| Additional noninterest expense | $774,000 | 5,401 |
| Pre-tax net operating income | $1,733,000 | 3,971 |
| Securities gains (losses) | $82,000 | 1,051 |
| Applicable income taxes | $696,000 | 3,254 |
| Income before extraordinary items | $1,119,000 | 4,193 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,119,000 | 4,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,066,520 | 4,353 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,025,000 | 4,207 |
| Total interest expense | $3,059,000 | 3,893 |
| Net interest income | $3,966,000 | 4,420 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $280,000 | 7,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,375 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,512 |
| Total noninterest expense | $2,587,000 | 5,000 |
| Salaries and employee benefits | $1,301,000 | 4,875 |
| Premises and equipment expense | $277,000 | 6,051 |
| Additional noninterest expense | $1,009,000 | 4,676 |
| Pre-tax net operating income | $1,659,000 | 4,042 |
| Securities gains (losses) | $155,000 | 587 |
| Applicable income taxes | $655,000 | 3,259 |
| Income before extraordinary items | $1,159,000 | 3,995 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,159,000 | 3,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,521 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,059,800 | 4,367 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,739,000 | 3,932 |
| Total interest expense | $3,186,000 | 3,909 |
| Net interest income | $4,553,000 | 3,893 |
| Provision for loan and lease losses | $119,000 | 5,369 |
| Total noninterest income | $317,000 | 7,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $229,000 | 5,437 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 8,318 |
| Total noninterest expense | $2,599,000 | 5,097 |
| Salaries and employee benefits | $1,198,000 | 5,255 |
| Premises and equipment expense | $284,000 | 6,125 |
| Additional noninterest expense | $1,117,000 | 4,473 |
| Pre-tax net operating income | $2,152,000 | 3,080 |
| Securities gains (losses) | $29,000 | 4,143 |
| Applicable income taxes | $910,000 | 2,495 |
| Income before extraordinary items | $1,271,000 | 3,796 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,271,000 | 3,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 4,368 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,252,440 | 3,647 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,510,000 | 4,064 |
| Total interest expense | $4,090,000 | 3,997 |
| Net interest income | $4,420,000 | 4,066 |
| Provision for loan and lease losses | $582,000 | 2,686 |
| Total noninterest income | $335,000 | 7,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 7,823 |
| Total noninterest expense | $2,371,000 | 5,545 |
| Salaries and employee benefits | $1,102,000 | 5,578 |
| Premises and equipment expense | $274,000 | 6,379 |
| Additional noninterest expense | $995,000 | 5,070 |
| Pre-tax net operating income | $1,802,000 | 3,426 |
| Securities gains (losses) | $-26,000 | 13,541 |
| Applicable income taxes | $610,000 | 3,389 |
| Income before extraordinary items | $1,166,000 | 3,904 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,166,000 | 3,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $464,000 | 2,585 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,183,160 | 3,574 |
* 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.