Home > New York National Bank > Income and Expense
New York National Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,414,000 | 4,430 |
| Total interest expense | $802,000 | 6,472 |
| Net interest income | $5,612,000 | 3,646 |
| Provision for loan and lease losses | $1,488,000 | 2,916 |
| Total noninterest income | $1,688,000 | 2,379 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $777,000 | 2,087 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $911,000 | 2,267 |
| Total noninterest expense | $6,872,000 | 2,840 |
| Salaries and employee benefits | $2,628,000 | 3,556 |
| Premises and equipment expense | $1,648,000 | 1,639 |
| Additional noninterest expense | $2,596,000 | 2,661 |
| Pre-tax net operating income | $-1,060,000 | 6,278 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-571,000 | 7,087 |
| Income before extraordinary items | $-489,000 | 6,072 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-489,000 | 6,071 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-489,000 | 6,072 |
| Net charge-offs | $1,128,000 | 2,724 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-489,000 | 6,066 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,879,000 | 4,434 |
| Total interest expense | $664,000 | 6,405 |
| Net interest income | $4,215,000 | 3,652 |
| Provision for loan and lease losses | $1,407,000 | 2,300 |
| Total noninterest income | $1,325,000 | 2,356 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $555,000 | 2,167 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $770,000 | 2,170 |
| Total noninterest expense | $5,490,000 | 2,693 |
| Salaries and employee benefits | $2,213,000 | 3,246 |
| Premises and equipment expense | $1,310,000 | 1,567 |
| Additional noninterest expense | $1,967,000 | 2,609 |
| Pre-tax net operating income | $-1,357,000 | 6,812 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-684,000 | 7,434 |
| Income before extraordinary items | $-673,000 | 6,550 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-673,000 | 6,551 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-673,000 | 6,551 |
| Net charge-offs | $1,188,000 | 2,014 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-673,000 | 6,553 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,323,000 | 4,415 |
| Total interest expense | $501,000 | 6,271 |
| Net interest income | $2,822,000 | 3,628 |
| Provision for loan and lease losses | $1,126,000 | 1,933 |
| Total noninterest income | $890,000 | 2,363 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $354,000 | 2,222 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $536,000 | 2,122 |
| Total noninterest expense | $3,989,000 | 2,506 |
| Salaries and employee benefits | $1,798,000 | 2,774 |
| Premises and equipment expense | $861,000 | 1,620 |
| Additional noninterest expense | $1,330,000 | 2,590 |
| Pre-tax net operating income | $-1,403,000 | 7,196 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-680,000 | 7,660 |
| Income before extraordinary items | $-723,000 | 6,961 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-723,000 | 6,961 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-723,000 | 6,961 |
| Net charge-offs | $763,000 | 1,890 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-723,000 | 6,947 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,602,000 | 4,563 |
| Total interest expense | $263,000 | 6,279 |
| Net interest income | $1,339,000 | 3,757 |
| Provision for loan and lease losses | $600,000 | 1,587 |
| Total noninterest income | $229,000 | 3,552 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $186,000 | 2,090 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $43,000 | 5,090 |
| Total noninterest expense | $1,460,000 | 3,211 |
| Salaries and employee benefits | $545,000 | 4,181 |
| Premises and equipment expense | $190,000 | 3,369 |
| Additional noninterest expense | $725,000 | 2,161 |
| Pre-tax net operating income | $-492,000 | 7,315 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-209,000 | 7,723 |
| Income before extraordinary items | $-283,000 | 7,171 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-283,000 | 7,171 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-283,000 | 7,172 |
| Net charge-offs | $529,000 | 1,329 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-283,000 | 7,114 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,987,000 | 4,488 |
| Total interest expense | $1,678,000 | 5,733 |
| Net interest income | $5,309,000 | 3,785 |
| Provision for loan and lease losses | $1,501,000 | 2,156 |
| Total noninterest income | $1,686,000 | 2,415 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $920,000 | 1,881 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $766,000 | 2,500 |
| Total noninterest expense | $6,986,000 | 2,691 |
| Salaries and employee benefits | $2,363,000 | 3,943 |
| Premises and equipment expense | $1,788,000 | 1,546 |
| Additional noninterest expense | $2,835,000 | 2,112 |
| Pre-tax net operating income | $-1,492,000 | 7,213 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-640,000 | 7,577 |
| Income before extraordinary items | $-852,000 | 6,924 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-852,000 | 6,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,239,000 | 1,735 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-852,000 | 7,041 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,283,000 | 4,538 |
| Total interest expense | $1,392,000 | 5,622 |
| Net interest income | $3,891,000 | 3,869 |
| Provision for loan and lease losses | $911,000 | 1,939 |
| Total noninterest income | $1,297,000 | 2,446 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $712,000 | 1,846 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $585,000 | 2,564 |
| Total noninterest expense | $5,086,000 | 2,737 |
| Salaries and employee benefits | $1,805,000 | 3,914 |
| Premises and equipment expense | $1,357,000 | 1,539 |
| Additional noninterest expense | $1,924,000 | 2,236 |
| Pre-tax net operating income | $-809,000 | 7,436 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-374,000 | 7,812 |
| Income before extraordinary items | $-435,000 | 7,135 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-435,000 | 7,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $892,000 | 1,396 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-435,000 | 7,273 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,553,000 | 4,578 |
| Total interest expense | $1,005,000 | 5,564 |
| Net interest income | $2,548,000 | 3,923 |
| Provision for loan and lease losses | $771,000 | 1,448 |
| Total noninterest income | $874,000 | 2,464 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $452,000 | 1,897 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $422,000 | 2,501 |
| Total noninterest expense | $3,460,000 | 2,706 |
| Salaries and employee benefits | $1,233,000 | 3,887 |
| Premises and equipment expense | $907,000 | 1,537 |
| Additional noninterest expense | $1,320,000 | 2,147 |
| Pre-tax net operating income | $-809,000 | 7,799 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-357,000 | 8,105 |
| Income before extraordinary items | $-452,000 | 7,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-452,000 | 7,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $904,000 | 922 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-452,000 | 7,637 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 4,564 |
| Total interest expense | $565,000 | 5,451 |
| Net interest income | $1,273,000 | 3,923 |
| Provision for loan and lease losses | $130,000 | 2,351 |
| Total noninterest income | $446,000 | 2,408 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $228,000 | 1,856 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $218,000 | 2,449 |
| Total noninterest expense | $1,803,000 | 2,613 |
| Salaries and employee benefits | $635,000 | 3,799 |
| Premises and equipment expense | $480,000 | 1,448 |
| Additional noninterest expense | $688,000 | 2,040 |
| Pre-tax net operating income | $-214,000 | 7,784 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-102,000 | 8,144 |
| Income before extraordinary items | $-112,000 | 7,687 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-112,000 | 7,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 738 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-112,000 | 7,645 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,924,000 | 4,386 |
| Total interest expense | $2,508,000 | 5,255 |
| Net interest income | $5,416,000 | 3,769 |
| Provision for loan and lease losses | $120,000 | 4,617 |
| Total noninterest income | $1,466,000 | 2,751 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $798,000 | 2,137 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $668,000 | 2,826 |
| Total noninterest expense | $6,968,000 | 2,606 |
| Salaries and employee benefits | $2,441,000 | 3,796 |
| Premises and equipment expense | $1,785,000 | 1,490 |
| Additional noninterest expense | $2,742,000 | 2,006 |
| Pre-tax net operating income | $-206,000 | 7,651 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-140,000 | 8,067 |
| Income before extraordinary items | $-66,000 | 7,594 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-66,000 | 7,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 2,254 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-66,000 | 7,569 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,923,000 | 4,407 |
| Total interest expense | $1,876,000 | 5,270 |
| Net interest income | $4,047,000 | 3,798 |
| Provision for loan and lease losses | $90,000 | 4,255 |
| Total noninterest income | $987,000 | 2,943 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $536,000 | 2,318 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $451,000 | 3,013 |
| Total noninterest expense | $5,207,000 | 2,591 |
| Salaries and employee benefits | $1,872,000 | 3,719 |
| Premises and equipment expense | $1,306,000 | 1,526 |
| Additional noninterest expense | $2,029,000 | 1,979 |
| Pre-tax net operating income | $-263,000 | 7,936 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-108,000 | 8,246 |
| Income before extraordinary items | $-155,000 | 7,898 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-155,000 | 7,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 1,383 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-155,000 | 7,882 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,925,000 | 4,443 |
| Total interest expense | $1,245,000 | 5,295 |
| Net interest income | $2,680,000 | 3,840 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $636,000 | 3,026 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $337,000 | 2,420 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $299,000 | 3,016 |
| Total noninterest expense | $3,434,000 | 2,640 |
| Salaries and employee benefits | $1,202,000 | 3,865 |
| Premises and equipment expense | $848,000 | 1,580 |
| Additional noninterest expense | $1,384,000 | 1,945 |
| Pre-tax net operating income | $-178,000 | 8,064 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-71,000 | 8,339 |
| Income before extraordinary items | $-107,000 | 8,010 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-107,000 | 8,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,435 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-107,000 | 8,004 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,943,000 | 4,474 |
| Total interest expense | $629,000 | 5,253 |
| Net interest income | $1,314,000 | 3,888 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $399,000 | 2,572 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $174,000 | 2,309 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $225,000 | 2,376 |
| Total noninterest expense | $1,749,000 | 2,608 |
| Salaries and employee benefits | $548,000 | 4,148 |
| Premises and equipment expense | $549,000 | 1,220 |
| Additional noninterest expense | $652,000 | 2,013 |
| Pre-tax net operating income | $-66,000 | 8,078 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-28,000 | 8,340 |
| Income before extraordinary items | $-38,000 | 8,017 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-38,000 | 8,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,116 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-38,000 | 8,004 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,467,000 | 4,381 |
| Total interest expense | $1,955,000 | 5,463 |
| Net interest income | $5,512,000 | 3,750 |
| Provision for loan and lease losses | $87,000 | 4,937 |
| Total noninterest income | $1,033,000 | 3,465 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $828,000 | 2,059 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $205,000 | 5,086 |
| Total noninterest expense | $7,095,000 | 2,489 |
| Salaries and employee benefits | $2,451,000 | 3,664 |
| Premises and equipment expense | $1,948,000 | 1,326 |
| Additional noninterest expense | $2,696,000 | 1,959 |
| Pre-tax net operating income | $-637,000 | 8,318 |
| Securities gains (losses) | $-213,000 | 8,391 |
| Applicable income taxes | $-292,000 | 8,510 |
| Income before extraordinary items | $-558,000 | 8,323 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-558,000 | 8,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,426 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $505,000 | 599 |
| Net operating income | $-417,420 | 8,257 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,338,000 | 4,504 |
| Total interest expense | $1,339,000 | 5,635 |
| Net interest income | $3,999,000 | 3,849 |
| Provision for loan and lease losses | $63,000 | 4,799 |
| Total noninterest income | $813,000 | 3,362 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $624,000 | 2,045 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $189,000 | 4,650 |
| Total noninterest expense | $5,110,000 | 2,578 |
| Salaries and employee benefits | $1,938,000 | 3,532 |
| Premises and equipment expense | $1,084,000 | 1,756 |
| Additional noninterest expense | $2,088,000 | 1,867 |
| Pre-tax net operating income | $-361,000 | 8,375 |
| Securities gains (losses) | $-213,000 | 8,546 |
| Applicable income taxes | $-214,000 | 8,629 |
| Income before extraordinary items | $-360,000 | 8,409 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-360,000 | 8,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,046 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $505,000 | 449 |
| Net operating income | $-223,680 | 8,328 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,474,000 | 4,535 |
| Total interest expense | $802,000 | 5,801 |
| Net interest income | $2,672,000 | 3,859 |
| Provision for loan and lease losses | $33,000 | 4,938 |
| Total noninterest income | $564,000 | 3,242 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $449,000 | 1,905 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 4,830 |
| Total noninterest expense | $3,791,000 | 2,334 |
| Salaries and employee benefits | $1,399,000 | 3,327 |
| Premises and equipment expense | $749,000 | 1,710 |
| Additional noninterest expense | $1,643,000 | 1,602 |
| Pre-tax net operating income | $-588,000 | 8,595 |
| Securities gains (losses) | $-213,000 | 8,633 |
| Applicable income taxes | $-357,000 | 8,724 |
| Income before extraordinary items | $-444,000 | 8,562 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-444,000 | 8,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 1,858 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $505,000 | 323 |
| Net operating income | $-307,680 | 8,495 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,738,000 | 4,483 |
| Total interest expense | $408,000 | 5,634 |
| Net interest income | $1,330,000 | 3,868 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $346,000 | 2,811 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $276,000 | 1,545 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $70,000 | 4,434 |
| Total noninterest expense | $2,017,000 | 2,197 |
| Salaries and employee benefits | $883,000 | 2,729 |
| Premises and equipment expense | $337,000 | 1,875 |
| Additional noninterest expense | $797,000 | 1,638 |
| Pre-tax net operating income | $-341,000 | 8,632 |
| Securities gains (losses) | $-213,000 | 8,714 |
| Applicable income taxes | $-264,000 | 8,746 |
| Income before extraordinary items | $-290,000 | 8,628 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-290,000 | 8,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,294 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $505,000 | 182 |
| Net operating income | $-153,680 | 8,507 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,178,000 | 4,069 |
| Total interest expense | $1,310,000 | 5,600 |
| Net interest income | $5,868,000 | 3,491 |
| Provision for loan and lease losses | $410,000 | 2,236 |
| Total noninterest income | $1,546,000 | 2,637 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,366,000 | 1,300 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $180,000 | 5,377 |
| Total noninterest expense | $8,151,000 | 2,051 |
| Salaries and employee benefits | $3,895,000 | 2,349 |
| Premises and equipment expense | $1,274,000 | 1,898 |
| Additional noninterest expense | $2,982,000 | 1,693 |
| Pre-tax net operating income | $-1,147,000 | 8,667 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-242,000 | 8,700 |
| Income before extraordinary items | $-905,000 | 8,648 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-905,000 | 8,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,630 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 765 |
| Net operating income | $-905,000 | 8,629 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,414,000 | 4,016 |
| Total interest expense | $908,000 | 5,704 |
| Net interest income | $4,506,000 | 3,407 |
| Provision for loan and lease losses | $140,000 | 3,587 |
| Total noninterest income | $1,176,000 | 2,620 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $953,000 | 1,369 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $223,000 | 4,371 |
| Total noninterest expense | $5,636,000 | 2,197 |
| Salaries and employee benefits | $2,571,000 | 2,596 |
| Premises and equipment expense | $931,000 | 1,934 |
| Additional noninterest expense | $2,134,000 | 1,746 |
| Pre-tax net operating income | $-94,000 | 8,426 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-33,000 | 8,659 |
| Income before extraordinary items | $-61,000 | 8,425 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-61,000 | 8,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 2,241 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 626 |
| Net operating income | $-61,000 | 8,393 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,694,000 | 3,874 |
| Total interest expense | $563,000 | 5,735 |
| Net interest income | $3,131,000 | 3,287 |
| Provision for loan and lease losses | $110,000 | 3,223 |
| Total noninterest income | $793,000 | 2,557 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $685,000 | 1,241 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $108,000 | 5,022 |
| Total noninterest expense | $3,616,000 | 2,267 |
| Salaries and employee benefits | $1,722,000 | 2,582 |
| Premises and equipment expense | $602,000 | 1,979 |
| Additional noninterest expense | $1,292,000 | 1,903 |
| Pre-tax net operating income | $198,000 | 7,229 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $90,000 | 4,947 |
| Income before extraordinary items | $108,000 | 7,682 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $108,000 | 7,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,069 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 528 |
| Net operating income | $108,000 | 7,636 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,880,000 | 3,776 |
| Total interest expense | $277,000 | 5,696 |
| Net interest income | $1,603,000 | 3,222 |
| Provision for loan and lease losses | $80,000 | 2,398 |
| Total noninterest income | $415,000 | 2,437 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $339,000 | 1,211 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $76,000 | 4,289 |
| Total noninterest expense | $1,836,000 | 2,261 |
| Salaries and employee benefits | $884,000 | 2,532 |
| Premises and equipment expense | $324,000 | 1,852 |
| Additional noninterest expense | $628,000 | 1,961 |
| Pre-tax net operating income | $102,000 | 7,192 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $48,000 | 4,803 |
| Income before extraordinary items | $54,000 | 7,697 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $54,000 | 7,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 401 |
| Net operating income | $54,000 | 7,668 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,129,000 | 3,754 |
| Total interest expense | $1,030,000 | 5,569 |
| Net interest income | $6,099,000 | 3,255 |
| Provision for loan and lease losses | $420,000 | 2,272 |
| Total noninterest income | $1,624,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,464,000 | 1,224 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $160,000 | 5,564 |
| Total noninterest expense | $7,557,000 | 2,109 |
| Salaries and employee benefits | $3,520,000 | 2,470 |
| Premises and equipment expense | $1,062,000 | 2,153 |
| Additional noninterest expense | $2,975,000 | 1,637 |
| Pre-tax net operating income | $-254,000 | 8,558 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-136,000 | 8,772 |
| Income before extraordinary items | $-118,000 | 8,535 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-118,000 | 8,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 1,409 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 699 |
| Net operating income | $-118,000 | 8,507 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,408,000 | 3,697 |
| Total interest expense | $757,000 | 5,598 |
| Net interest income | $4,651,000 | 3,194 |
| Provision for loan and lease losses | $315,000 | 2,173 |
| Total noninterest income | $1,211,000 | 2,560 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,092,000 | 1,234 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $119,000 | 5,588 |
| Total noninterest expense | $5,450,000 | 2,175 |
| Salaries and employee benefits | $2,581,000 | 2,496 |
| Premises and equipment expense | $780,000 | 2,201 |
| Additional noninterest expense | $2,089,000 | 1,721 |
| Pre-tax net operating income | $97,000 | 8,136 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $44,000 | 6,050 |
| Income before extraordinary items | $53,000 | 8,305 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $53,000 | 8,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,193 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 586 |
| Net operating income | $53,000 | 8,269 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,606,000 | 3,689 |
| Total interest expense | $501,000 | 5,645 |
| Net interest income | $3,105,000 | 3,188 |
| Provision for loan and lease losses | $210,000 | 2,090 |
| Total noninterest income | $817,000 | 2,556 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $724,000 | 1,221 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $93,000 | 5,304 |
| Total noninterest expense | $3,650,000 | 2,175 |
| Salaries and employee benefits | $1,769,000 | 2,424 |
| Premises and equipment expense | $496,000 | 2,310 |
| Additional noninterest expense | $1,385,000 | 1,726 |
| Pre-tax net operating income | $62,000 | 8,174 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $30,000 | 6,027 |
| Income before extraordinary items | $32,000 | 8,373 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 8,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,446 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 513 |
| Net operating income | $32,000 | 8,312 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,833,000 | 3,647 |
| Total interest expense | $270,000 | 5,490 |
| Net interest income | $1,563,000 | 3,166 |
| Provision for loan and lease losses | $105,000 | 2,016 |
| Total noninterest income | $415,000 | 2,477 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $355,000 | 1,200 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $60,000 | 4,738 |
| Total noninterest expense | $1,820,000 | 2,190 |
| Salaries and employee benefits | $913,000 | 2,375 |
| Premises and equipment expense | $297,000 | 1,952 |
| Additional noninterest expense | $610,000 | 1,950 |
| Pre-tax net operating income | $53,000 | 7,880 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $24,000 | 5,624 |
| Income before extraordinary items | $29,000 | 8,171 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $29,000 | 8,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,115 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 387 |
| Net operating income | $29,000 | 8,105 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,767,000 | 3,525 |
| Total interest expense | $1,214,000 | 5,527 |
| Net interest income | $6,553,000 | 2,930 |
| Provision for loan and lease losses | $437,000 | 2,420 |
| Total noninterest income | $1,632,000 | 2,657 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,419,000 | 1,227 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $213,000 | 5,160 |
| Total noninterest expense | $7,455,000 | 2,110 |
| Salaries and employee benefits | $3,803,000 | 2,240 |
| Premises and equipment expense | $1,258,000 | 1,814 |
| Additional noninterest expense | $2,394,000 | 2,011 |
| Pre-tax net operating income | $293,000 | 7,458 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $118,000 | 5,544 |
| Income before extraordinary items | $175,000 | 7,887 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $175,000 | 7,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,022 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-268,000 | 9,134 |
| Net operating income | $175,000 | 7,756 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,935,000 | 3,522 |
| Total interest expense | $939,000 | 5,569 |
| Net interest income | $4,996,000 | 2,903 |
| Provision for loan and lease losses | $332,000 | 2,333 |
| Total noninterest income | $1,238,000 | 2,715 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,059,000 | 1,239 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $179,000 | 5,002 |
| Total noninterest expense | $5,712,000 | 2,081 |
| Salaries and employee benefits | $2,879,000 | 2,211 |
| Premises and equipment expense | $989,000 | 1,732 |
| Additional noninterest expense | $1,844,000 | 1,939 |
| Pre-tax net operating income | $190,000 | 7,778 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $90,000 | 5,682 |
| Income before extraordinary items | $100,000 | 8,219 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $100,000 | 8,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,187 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 554 |
| Net operating income | $100,000 | 8,090 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,010,000 | 3,512 |
| Total interest expense | $643,000 | 5,611 |
| Net interest income | $3,367,000 | 2,870 |
| Provision for loan and lease losses | $227,000 | 2,299 |
| Total noninterest income | $829,000 | 2,684 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $617,000 | 1,385 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $212,000 | 3,938 |
| Total noninterest expense | $3,877,000 | 2,032 |
| Salaries and employee benefits | $1,926,000 | 2,201 |
| Premises and equipment expense | $758,000 | 1,510 |
| Additional noninterest expense | $1,193,000 | 2,005 |
| Pre-tax net operating income | $92,000 | 8,067 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $47,000 | 5,968 |
| Income before extraordinary items | $45,000 | 8,466 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $45,000 | 8,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,386 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 457 |
| Net operating income | $45,000 | 8,335 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 3,472 |
| Total interest expense | $334,000 | 5,590 |
| Net interest income | $1,703,000 | 2,832 |
| Provision for loan and lease losses | $122,000 | 2,018 |
| Total noninterest income | $424,000 | 2,569 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $343,000 | 1,216 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $81,000 | 4,308 |
| Total noninterest expense | $1,889,000 | 2,068 |
| Salaries and employee benefits | $982,000 | 2,153 |
| Premises and equipment expense | $329,000 | 1,736 |
| Additional noninterest expense | $578,000 | 2,039 |
| Pre-tax net operating income | $116,000 | 6,961 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $57,000 | 4,911 |
| Income before extraordinary items | $59,000 | 7,706 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $59,000 | 7,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,631 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 328 |
| Net operating income | $59,000 | 7,557 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,744,000 | 3,390 |
| Total interest expense | $1,896,000 | 4,979 |
| Net interest income | $6,848,000 | 2,789 |
| Provision for loan and lease losses | $410,000 | 2,777 |
| Total noninterest income | $1,883,000 | 2,237 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,506,000 | 1,068 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $377,000 | 3,806 |
| Total noninterest expense | $8,053,000 | 1,876 |
| Salaries and employee benefits | $3,846,000 | 2,076 |
| Premises and equipment expense | $1,144,000 | 1,928 |
| Additional noninterest expense | $3,063,000 | 1,552 |
| Pre-tax net operating income | $268,000 | 7,673 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $83,000 | 6,135 |
| Income before extraordinary items | $185,000 | 7,923 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $185,000 | 7,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,813 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $388,000 | 503 |
| Net operating income | $185,000 | 7,812 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,037,000 | 3,634 |
| Total interest expense | $3,154,000 | 4,550 |
| Net interest income | $5,883,000 | 2,993 |
| Provision for loan and lease losses | $679,000 | 1,721 |
| Total noninterest income | $2,412,000 | 1,728 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,455,000 | 1,024 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $957,000 | 2,104 |
| Total noninterest expense | $6,703,000 | 2,140 |
| Salaries and employee benefits | $3,614,000 | 2,089 |
| Premises and equipment expense | $1,064,000 | 2,006 |
| Additional noninterest expense | $2,025,000 | 2,217 |
| Pre-tax net operating income | $913,000 | 5,148 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $418,000 | 3,651 |
| Income before extraordinary items | $504,000 | 6,051 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $504,000 | 6,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 2,010 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 638 |
| Net operating income | $498,240 | 5,967 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,724,000 | 3,836 |
| Total interest expense | $3,270,000 | 4,615 |
| Net interest income | $5,454,000 | 3,230 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $2,043,000 | 1,843 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,479,000 | 909 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $564,000 | 2,737 |
| Total noninterest expense | $6,604,000 | 2,086 |
| Salaries and employee benefits | $3,240,000 | 2,207 |
| Premises and equipment expense | $1,251,000 | 1,669 |
| Additional noninterest expense | $2,113,000 | 2,051 |
| Pre-tax net operating income | $713,000 | 6,171 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $312,000 | 4,514 |
| Income before extraordinary items | $401,000 | 6,850 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $401,000 | 6,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,171 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 729 |
| Net operating income | $401,000 | 6,859 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,986,000 | 3,911 |
| Total interest expense | $2,954,000 | 4,664 |
| Net interest income | $5,032,000 | 3,439 |
| Provision for loan and lease losses | $105,000 | 5,113 |
| Total noninterest income | $1,650,000 | 2,148 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,457,000 | 910 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,023 |
| Total noninterest expense | $6,542,000 | 2,080 |
| Salaries and employee benefits | $3,383,000 | 2,073 |
| Premises and equipment expense | $890,000 | 2,283 |
| Additional noninterest expense | $2,269,000 | 1,918 |
| Pre-tax net operating income | $35,000 | 9,288 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $14,000 | 8,380 |
| Income before extraordinary items | $21,000 | 9,369 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $21,000 | 9,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,062 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $825,000 | 542 |
| Net operating income | $21,000 | 9,336 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,094,000 | 4,355 |
| Total interest expense | $2,596,000 | 5,224 |
| Net interest income | $4,498,000 | 3,737 |
| Provision for loan and lease losses | $-95,000 | 10,309 |
| Total noninterest income | $1,964,000 | 1,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,295,000 | 950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $669,000 | 2,474 |
| Total noninterest expense | $6,011,000 | 2,171 |
| Salaries and employee benefits | $2,922,000 | 2,306 |
| Premises and equipment expense | $1,017,000 | 1,942 |
| Additional noninterest expense | $2,072,000 | 2,055 |
| Pre-tax net operating income | $546,000 | 7,169 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $267,000 | 5,480 |
| Income before extraordinary items | $279,000 | 8,047 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $279,000 | 8,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-141,000 | 10,314 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $-14,000 | 10,304 |
| Net operating income | $279,000 | 7,973 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,857,000 | 4,576 |
| Total interest expense | $2,203,000 | 5,875 |
| Net interest income | $4,654,000 | 3,723 |
| Provision for loan and lease losses | $257,000 | 2,893 |
| Total noninterest income | $1,348,000 | 2,403 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,232,000 | 1,018 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,369 |
| Total noninterest expense | $5,284,000 | 2,440 |
| Salaries and employee benefits | $2,681,000 | 2,477 |
| Premises and equipment expense | $659,000 | 2,899 |
| Additional noninterest expense | $1,944,000 | 2,155 |
| Pre-tax net operating income | $461,000 | 8,136 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $164,000 | 7,403 |
| Income before extraordinary items | $297,000 | 8,399 |
| Extraordinary gains, net | $12,000 | 25 |
| Net income | $309,000 | 8,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,987 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $-361,000 | 10,824 |
| Net operating income | $297,000 | 8,354 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,062,000 | 5,147 |
| Total interest expense | $1,865,000 | 6,697 |
| Net interest income | $4,197,000 | 4,151 |
| Provision for loan and lease losses | $157,000 | 3,967 |
| Total noninterest income | $1,218,000 | 2,657 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,060,000 | 1,260 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,829 |
| Total noninterest expense | $5,580,000 | 2,462 |
| Salaries and employee benefits | $2,378,000 | 2,823 |
| Premises and equipment expense | $561,000 | 3,421 |
| Additional noninterest expense | $2,641,000 | 1,929 |
| Pre-tax net operating income | $-322,000 | 11,153 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-141,000 | 11,220 |
| Income before extraordinary items | $-181,000 | 11,090 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-181,000 | 11,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,484 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $1,455,000 | 339 |
| Net operating income | $-181,000 | 11,052 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,667,000 | 5,464 |
| Total interest expense | $1,732,000 | 7,056 |
| Net interest income | $3,935,000 | 4,377 |
| Provision for loan and lease losses | $299,000 | 2,320 |
| Total noninterest income | $1,132,000 | 2,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $913,000 | 1,498 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,857 |
| Total noninterest expense | $4,095,000 | 3,251 |
| Salaries and employee benefits | $2,181,000 | 3,054 |
| Premises and equipment expense | $461,000 | 4,038 |
| Additional noninterest expense | $1,453,000 | 3,176 |
| Pre-tax net operating income | $673,000 | 7,453 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $299,000 | 6,006 |
| Income before extraordinary items | $374,000 | 8,286 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $374,000 | 8,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 1,972 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $375,000 | 411 |
| Net operating income | $374,000 | 8,271 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,973,000 | 5,693 |
| Total interest expense | $1,263,000 | 7,676 |
| Net interest income | $3,710,000 | 4,689 |
| Provision for loan and lease losses | $353,000 | 2,020 |
| Total noninterest income | $962,000 | 3,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $763,000 | 1,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $199,000 | 5,282 |
| Total noninterest expense | $4,085,000 | 3,359 |
| Salaries and employee benefits | $2,033,000 | 3,234 |
| Premises and equipment expense | $550,000 | 3,511 |
| Additional noninterest expense | $1,502,000 | 3,286 |
| Pre-tax net operating income | $234,000 | 10,629 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $112,000 | 9,094 |
| Income before extraordinary items | $124,000 | 11,114 |
| Extraordinary gains, net | $32,000 | 184 |
| Net income | $156,000 | 10,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,513 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 766 |
| Net operating income | $122,720 | 11,181 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,204,000 | 6,630 |
| Total interest expense | $1,119,000 | 8,604 |
| Net interest income | $3,085,000 | 5,534 |
| Provision for loan and lease losses | $42,000 | 7,871 |
| Total noninterest income | $818,000 | 3,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $618,000 | 2,223 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,000 | 5,682 |
| Total noninterest expense | $3,847,000 | 3,614 |
| Salaries and employee benefits | $1,838,000 | 3,543 |
| Premises and equipment expense | $532,000 | 3,672 |
| Additional noninterest expense | $1,477,000 | 3,553 |
| Pre-tax net operating income | $14,000 | 12,330 |
| Securities gains (losses) | $213,000 | 1,621 |
| Applicable income taxes | $113,000 | 9,447 |
| Income before extraordinary items | $114,000 | 11,662 |
| Extraordinary gains, net | $456,000 | 509 |
| Net income | $570,000 | 7,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 4,303 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-22,320 | 12,461 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,542,000 | 6,845 |
| Total interest expense | $1,522,000 | 8,450 |
| Net interest income | $3,020,000 | 5,680 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $699,000 | 4,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $533,000 | 2,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 6,287 |
| Total noninterest expense | $3,667,000 | 3,773 |
| Salaries and employee benefits | $1,832,000 | 3,491 |
| Premises and equipment expense | $501,000 | 3,964 |
| Additional noninterest expense | $1,334,000 | 3,949 |
| Pre-tax net operating income | $52,000 | 12,406 |
| Securities gains (losses) | $244,000 | 1,756 |
| Applicable income taxes | $118,000 | 9,428 |
| Income before extraordinary items | $178,000 | 10,892 |
| Extraordinary gains, net | $86,000 | 800 |
| Net income | $264,000 | 9,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 6,645 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $473,000 | 576 |
| Net operating income | $21,840 | 12,529 |
* 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.