NLSB, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $50,073,000 | 653 |
| Total interest expense | $14,094,000 | 805 |
| Net interest income | $35,979,000 | 608 |
| Provision for loan and lease losses | $2,496,000 | 429 |
| Total noninterest income | $5,754,000 | 974 |
| Gross Fiduciary activities income | $167,000 | 846 |
| Service charges on deposit accounts | $2,807,000 | 606 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,780,000 | 1,074 |
| Total noninterest expense | $19,205,000 | 886 |
| Salaries and employee benefits | $11,316,000 | 796 |
| Premises and equipment expense | $3,241,000 | 746 |
| Additional noninterest expense | $4,648,000 | 1,101 |
| Pre-tax net operating income | $20,032,000 | 534 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $6,310,000 | 542 |
| Income before extraordinary items | $13,722,000 | 550 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $13,722,000 | 550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $561,000 | 1,067 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $13,722,000 | 537 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $36,621,000 | 649 |
| Total interest expense | $10,089,000 | 797 |
| Net interest income | $26,532,000 | 609 |
| Provision for loan and lease losses | $2,040,000 | 375 |
| Total noninterest income | $4,201,000 | 1,006 |
| Gross Fiduciary activities income | $128,000 | 824 |
| Service charges on deposit accounts | $2,064,000 | 612 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,009,000 | 1,115 |
| Total noninterest expense | $14,496,000 | 870 |
| Salaries and employee benefits | $8,593,000 | 781 |
| Premises and equipment expense | $2,457,000 | 736 |
| Additional noninterest expense | $3,446,000 | 1,095 |
| Pre-tax net operating income | $14,197,000 | 559 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $5,343,000 | 498 |
| Income before extraordinary items | $8,854,000 | 631 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,854,000 | 631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 1,146 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $8,854,000 | 615 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $23,579,000 | 650 |
| Total interest expense | $6,398,000 | 784 |
| Net interest income | $17,181,000 | 618 |
| Provision for loan and lease losses | $1,650,000 | 313 |
| Total noninterest income | $2,805,000 | 983 |
| Gross Fiduciary activities income | $88,000 | 825 |
| Service charges on deposit accounts | $1,351,000 | 613 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,366,000 | 1,075 |
| Total noninterest expense | $9,864,000 | 850 |
| Salaries and employee benefits | $5,894,000 | 752 |
| Premises and equipment expense | $1,611,000 | 743 |
| Additional noninterest expense | $2,359,000 | 1,067 |
| Pre-tax net operating income | $8,472,000 | 594 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,159,000 | 533 |
| Income before extraordinary items | $5,313,000 | 677 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,313,000 | 677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 1,391 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,313,000 | 658 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $11,358,000 | 661 |
| Total interest expense | $3,010,000 | 796 |
| Net interest income | $8,348,000 | 624 |
| Provision for loan and lease losses | $825,000 | 303 |
| Total noninterest income | $1,358,000 | 988 |
| Gross Fiduciary activities income | $45,000 | 830 |
| Service charges on deposit accounts | $659,000 | 610 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $654,000 | 1,100 |
| Total noninterest expense | $4,973,000 | 837 |
| Salaries and employee benefits | $3,152,000 | 698 |
| Premises and equipment expense | $731,000 | 811 |
| Additional noninterest expense | $1,090,000 | 1,130 |
| Pre-tax net operating income | $3,908,000 | 634 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,441,000 | 574 |
| Income before extraordinary items | $2,467,000 | 721 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,467,000 | 721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 943 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,467,000 | 700 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $23,488,000 | 1,202 |
| Total interest expense | $5,966,000 | 1,375 |
| Net interest income | $17,522,000 | 1,156 |
| Provision for loan and lease losses | $1,925,000 | 571 |
| Total noninterest income | $3,339,000 | 1,472 |
| Gross Fiduciary activities income | $82,000 | 970 |
| Service charges on deposit accounts | $1,799,000 | 980 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,458,000 | 1,676 |
| Total noninterest expense | $12,193,000 | 1,345 |
| Salaries and employee benefits | $6,558,000 | 1,345 |
| Premises and equipment expense | $1,924,000 | 1,193 |
| Additional noninterest expense | $3,711,000 | 1,341 |
| Pre-tax net operating income | $6,743,000 | 1,280 |
| Securities gains (losses) | $-41,000 | 8,546 |
| Applicable income taxes | $2,441,000 | 1,071 |
| Income before extraordinary items | $4,261,000 | 1,513 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,261,000 | 1,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,809 |
| Cash dividends | $10,000,000 | 355 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,287,240 | 1,452 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,281,000 | 1,732 |
| Total interest expense | $3,190,000 | 1,879 |
| Net interest income | $9,091,000 | 1,665 |
| Provision for loan and lease losses | $1,100,000 | 715 |
| Total noninterest income | $1,933,000 | 1,832 |
| Gross Fiduciary activities income | $47,000 | 1,026 |
| Service charges on deposit accounts | $1,071,000 | 1,256 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $815,000 | 2,051 |
| Total noninterest expense | $7,150,000 | 1,684 |
| Salaries and employee benefits | $3,512,000 | 1,853 |
| Premises and equipment expense | $1,085,000 | 1,608 |
| Additional noninterest expense | $2,553,000 | 1,440 |
| Pre-tax net operating income | $2,774,000 | 2,204 |
| Securities gains (losses) | $-41,000 | 8,778 |
| Applicable income taxes | $918,000 | 1,914 |
| Income before extraordinary items | $1,815,000 | 2,545 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,815,000 | 2,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,842,060 | 2,444 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 4,391 |
| Total interest expense | $741,000 | 4,512 |
| Net interest income | $2,115,000 | 4,310 |
| Provision for loan and lease losses | $275,000 | 1,692 |
| Total noninterest income | $495,000 | 3,594 |
| Gross Fiduciary activities income | $12,000 | 1,161 |
| Service charges on deposit accounts | $286,000 | 2,822 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $197,000 | 3,766 |
| Total noninterest expense | $1,423,000 | 4,816 |
| Salaries and employee benefits | $822,000 | 4,623 |
| Premises and equipment expense | $253,000 | 4,030 |
| Additional noninterest expense | $348,000 | 5,529 |
| Pre-tax net operating income | $912,000 | 3,763 |
| Securities gains (losses) | $-33,000 | 8,868 |
| Applicable income taxes | $314,000 | 3,003 |
| Income before extraordinary items | $565,000 | 4,401 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $565,000 | 4,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $586,120 | 4,231 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,926,000 | 790 |
| Total interest expense | $2,436,000 | 825 |
| Net interest income | $6,490,000 | 746 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $1,347,000 | 997 |
| Gross Fiduciary activities income | $41,000 | 849 |
| Service charges on deposit accounts | $696,000 | 618 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $610,000 | 1,125 |
| Total noninterest expense | $4,894,000 | 829 |
| Salaries and employee benefits | $2,613,000 | 844 |
| Premises and equipment expense | $857,000 | 689 |
| Additional noninterest expense | $1,424,000 | 870 |
| Pre-tax net operating income | $2,898,000 | 760 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $25,000 | 5,581 |
| Income before extraordinary items | $2,875,000 | 600 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,875,000 | 599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $798,000 | 815 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,873,020 | 563 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $38,840,000 | 724 |
| Total interest expense | $11,318,000 | 785 |
| Net interest income | $27,522,000 | 684 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $8,692,000 | 737 |
| Gross Fiduciary activities income | $131,000 | 904 |
| Service charges on deposit accounts | $3,055,000 | 565 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,506,000 | 707 |
| Total noninterest expense | $16,837,000 | 969 |
| Salaries and employee benefits | $9,122,000 | 936 |
| Premises and equipment expense | $2,695,000 | 833 |
| Additional noninterest expense | $5,020,000 | 1,018 |
| Pre-tax net operating income | $19,197,000 | 497 |
| Securities gains (losses) | $107,000 | 1,824 |
| Applicable income taxes | $170,000 | 5,129 |
| Income before extraordinary items | $19,134,000 | 399 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $19,134,000 | 400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,954 |
| Cash dividends | $7,672,000 | 463 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $19,028,070 | 375 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $29,752,000 | 724 |
| Total interest expense | $8,824,000 | 787 |
| Net interest income | $20,928,000 | 685 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $5,653,000 | 845 |
| Gross Fiduciary activities income | $91,000 | 923 |
| Service charges on deposit accounts | $2,264,000 | 579 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,298,000 | 867 |
| Total noninterest expense | $12,456,000 | 992 |
| Salaries and employee benefits | $6,762,000 | 960 |
| Premises and equipment expense | $1,852,000 | 918 |
| Additional noninterest expense | $3,842,000 | 1,004 |
| Pre-tax net operating income | $13,990,000 | 515 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $113,000 | 5,441 |
| Income before extraordinary items | $13,882,000 | 422 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $13,882,000 | 422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,060 |
| Cash dividends | $6,993,000 | 386 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $13,877,050 | 387 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $20,060,000 | 722 |
| Total interest expense | $6,300,000 | 760 |
| Net interest income | $13,760,000 | 692 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $3,237,000 | 942 |
| Gross Fiduciary activities income | $68,000 | 911 |
| Service charges on deposit accounts | $1,466,000 | 583 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,703,000 | 1,024 |
| Total noninterest expense | $8,270,000 | 996 |
| Salaries and employee benefits | $4,427,000 | 978 |
| Premises and equipment expense | $1,258,000 | 910 |
| Additional noninterest expense | $2,585,000 | 979 |
| Pre-tax net operating income | $8,637,000 | 548 |
| Securities gains (losses) | $5,000 | 3,210 |
| Applicable income taxes | $65,000 | 5,639 |
| Income before extraordinary items | $8,577,000 | 447 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,577,000 | 447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,290 |
| Cash dividends | $4,893,000 | 369 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $8,572,050 | 414 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,058,000 | 734 |
| Total interest expense | $3,181,000 | 765 |
| Net interest income | $6,877,000 | 699 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $1,527,000 | 956 |
| Gross Fiduciary activities income | $32,000 | 930 |
| Service charges on deposit accounts | $699,000 | 596 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $796,000 | 1,051 |
| Total noninterest expense | $4,127,000 | 983 |
| Salaries and employee benefits | $2,196,000 | 982 |
| Premises and equipment expense | $593,000 | 971 |
| Additional noninterest expense | $1,338,000 | 926 |
| Pre-tax net operating income | $4,232,000 | 561 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $28,000 | 5,789 |
| Income before extraordinary items | $4,204,000 | 447 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,204,000 | 446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,298 |
| Cash dividends | $861,000 | 786 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,204,000 | 416 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $42,519,000 | 716 |
| Total interest expense | $15,369,000 | 733 |
| Net interest income | $27,150,000 | 694 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $5,572,000 | 948 |
| Gross Fiduciary activities income | $165,000 | 891 |
| Service charges on deposit accounts | $2,757,000 | 596 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,650,000 | 1,091 |
| Total noninterest expense | $16,482,000 | 954 |
| Salaries and employee benefits | $8,354,000 | 970 |
| Premises and equipment expense | $2,462,000 | 880 |
| Additional noninterest expense | $5,666,000 | 884 |
| Pre-tax net operating income | $16,060,000 | 551 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $53,000 | 6,492 |
| Income before extraordinary items | $16,007,000 | 439 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $16,007,000 | 440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,529 |
| Cash dividends | $8,624,000 | 403 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $16,007,000 | 419 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $48,732,000 | 717 |
| Total interest expense | $24,285,000 | 688 |
| Net interest income | $24,447,000 | 724 |
| Provision for loan and lease losses | $1,880,000 | 750 |
| Total noninterest income | $4,471,000 | 1,089 |
| Gross Fiduciary activities income | $135,000 | 923 |
| Service charges on deposit accounts | $2,223,000 | 670 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,113,000 | 1,196 |
| Total noninterest expense | $13,909,000 | 1,065 |
| Salaries and employee benefits | $7,154,000 | 1,039 |
| Premises and equipment expense | $2,287,000 | 913 |
| Additional noninterest expense | $4,468,000 | 1,063 |
| Pre-tax net operating income | $13,129,000 | 603 |
| Securities gains (losses) | $38,000 | 2,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $13,167,000 | 456 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $13,167,000 | 456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,770,000 | 622 |
| Cash dividends | $6,041,000 | 525 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $13,129,000 | 440 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $47,638,000 | 750 |
| Total interest expense | $23,505,000 | 770 |
| Net interest income | $24,133,000 | 738 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $3,274,000 | 1,246 |
| Gross Fiduciary activities income | $119,000 | 905 |
| Service charges on deposit accounts | $1,871,000 | 728 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,284,000 | 1,575 |
| Total noninterest expense | $14,446,000 | 974 |
| Salaries and employee benefits | $7,265,000 | 964 |
| Premises and equipment expense | $2,500,000 | 804 |
| Additional noninterest expense | $4,681,000 | 1,001 |
| Pre-tax net operating income | $12,781,000 | 626 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $12,781,000 | 466 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $12,781,000 | 468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,164 |
| Cash dividends | $12,187,000 | 325 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $12,781,000 | 466 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $40,448,000 | 836 |
| Total interest expense | $19,459,000 | 816 |
| Net interest income | $20,989,000 | 840 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $3,495,000 | 1,192 |
| Gross Fiduciary activities income | $135,000 | 944 |
| Service charges on deposit accounts | $1,698,000 | 782 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,662,000 | 1,309 |
| Total noninterest expense | $12,751,000 | 1,094 |
| Salaries and employee benefits | $6,583,000 | 1,045 |
| Premises and equipment expense | $2,057,000 | 982 |
| Additional noninterest expense | $4,111,000 | 1,140 |
| Pre-tax net operating income | $11,553,000 | 724 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $927,000 | 2,331 |
| Income before extraordinary items | $10,626,000 | 594 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,626,000 | 594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,827 |
| Cash dividends | $10,640,000 | 375 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $10,626,000 | 580 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $37,110,000 | 900 |
| Total interest expense | $18,599,000 | 853 |
| Net interest income | $18,511,000 | 914 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $3,547,000 | 1,178 |
| Gross Fiduciary activities income | $120,000 | 973 |
| Service charges on deposit accounts | $1,650,000 | 757 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,777,000 | 1,253 |
| Total noninterest expense | $11,601,000 | 1,135 |
| Salaries and employee benefits | $6,330,000 | 1,035 |
| Premises and equipment expense | $2,020,000 | 954 |
| Additional noninterest expense | $3,251,000 | 1,353 |
| Pre-tax net operating income | $10,277,000 | 759 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,857,000 | 914 |
| Income before extraordinary items | $7,420,000 | 751 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $7,420,000 | 751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $833,000 | 2,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $7,420,000 | 727 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $34,257,000 | 999 |
| Total interest expense | $15,947,000 | 1,026 |
| Net interest income | $18,310,000 | 980 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $2,788,000 | 1,355 |
| Gross Fiduciary activities income | $107,000 | 1,038 |
| Service charges on deposit accounts | $1,464,000 | 876 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,217,000 | 1,541 |
| Total noninterest expense | $11,535,000 | 1,153 |
| Salaries and employee benefits | $6,181,000 | 1,069 |
| Premises and equipment expense | $1,931,000 | 1,029 |
| Additional noninterest expense | $3,423,000 | 1,279 |
| Pre-tax net operating income | $9,383,000 | 861 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,933,000 | 956 |
| Income before extraordinary items | $6,450,000 | 855 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $6,450,000 | 857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,417 |
| Cash dividends | $1,169,000 | 1,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $6,450,000 | 836 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $32,240,000 | 1,070 |
| Total interest expense | $14,748,000 | 1,108 |
| Net interest income | $17,492,000 | 1,038 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $2,314,000 | 1,637 |
| Gross Fiduciary activities income | $100,000 | 1,107 |
| Service charges on deposit accounts | $1,352,000 | 983 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $862,000 | 2,005 |
| Total noninterest expense | $10,687,000 | 1,344 |
| Salaries and employee benefits | $5,870,000 | 1,148 |
| Premises and equipment expense | $1,881,000 | 1,111 |
| Additional noninterest expense | $2,936,000 | 1,771 |
| Pre-tax net operating income | $8,939,000 | 859 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $2,930,000 | 887 |
| Income before extraordinary items | $6,013,000 | 892 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,013,000 | 894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $686,000 | 2,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,010,320 | 871 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $29,316,000 | 1,184 |
| Total interest expense | $13,244,000 | 1,249 |
| Net interest income | $16,072,000 | 1,146 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $2,026,000 | 1,815 |
| Gross Fiduciary activities income | $119,000 | 1,127 |
| Service charges on deposit accounts | $1,114,000 | 1,201 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $793,000 | 2,117 |
| Total noninterest expense | $10,451,000 | 1,356 |
| Salaries and employee benefits | $5,141,000 | 1,295 |
| Premises and equipment expense | $1,722,000 | 1,210 |
| Additional noninterest expense | $3,588,000 | 1,459 |
| Pre-tax net operating income | $7,467,000 | 1,042 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $2,451,000 | 1,065 |
| Income before extraordinary items | $5,020,000 | 1,067 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,020,000 | 1,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,240 |
| Cash dividends | $602,000 | 2,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,017,320 | 1,050 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $22,120,000 | 1,402 |
| Total interest expense | $9,602,000 | 1,355 |
| Net interest income | $12,518,000 | 1,443 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $1,928,000 | 1,880 |
| Gross Fiduciary activities income | $78,000 | 1,226 |
| Service charges on deposit accounts | $962,000 | 1,397 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $888,000 | 1,992 |
| Total noninterest expense | $8,357,000 | 1,750 |
| Salaries and employee benefits | $4,189,000 | 1,592 |
| Premises and equipment expense | $1,200,000 | 1,722 |
| Additional noninterest expense | $2,968,000 | 1,825 |
| Pre-tax net operating income | $5,909,000 | 1,263 |
| Securities gains (losses) | $-267,000 | 12,065 |
| Applicable income taxes | $1,441,000 | 1,613 |
| Income before extraordinary items | $4,201,000 | 1,208 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,201,000 | 1,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 11,809 |
| Cash dividends | $361,000 | 3,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,398,580 | 1,165 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,680,000 | 1,604 |
| Total interest expense | $8,645,000 | 1,548 |
| Net interest income | $11,035,000 | 1,634 |
| Provision for loan and lease losses | $260,000 | 3,299 |
| Total noninterest income | $1,888,000 | 2,051 |
| Gross Fiduciary activities income | $95,000 | 1,223 |
| Service charges on deposit accounts | $1,117,000 | 1,205 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $676,000 | 2,660 |
| Total noninterest expense | $7,262,000 | 2,024 |
| Salaries and employee benefits | $3,630,000 | 1,844 |
| Premises and equipment expense | $1,074,000 | 1,927 |
| Additional noninterest expense | $2,558,000 | 2,184 |
| Pre-tax net operating income | $5,401,000 | 1,291 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,650,000 | 1,442 |
| Income before extraordinary items | $3,751,000 | 1,350 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,751,000 | 1,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,534 |
| Cash dividends | $2,191,000 | 942 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,751,000 | 1,266 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,527,000 | 1,727 |
| Total interest expense | $10,248,000 | 1,683 |
| Net interest income | $10,279,000 | 1,779 |
| Provision for loan and lease losses | $180,000 | 5,503 |
| Total noninterest income | $1,153,000 | 2,948 |
| Gross Fiduciary activities income | $77,000 | 1,300 |
| Service charges on deposit accounts | $606,000 | 2,263 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $470,000 | 3,314 |
| Total noninterest expense | $6,764,000 | 2,178 |
| Salaries and employee benefits | $3,336,000 | 1,965 |
| Premises and equipment expense | $1,032,000 | 2,035 |
| Additional noninterest expense | $2,396,000 | 2,407 |
| Pre-tax net operating income | $4,488,000 | 1,423 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $1,091,000 | 1,952 |
| Income before extraordinary items | $3,402,000 | 1,371 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,402,000 | 1,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $277,000 | 4,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,398,200 | 1,265 |
* 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.