Home > Oswego Community Bank > Income and Expense
Oswego Community Bank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,571,000 | 3,578 |
| Total interest expense | $137,000 | 4,506 |
| Net interest income | $1,434,000 | 3,406 |
| Provision for loan and lease losses | $433,000 | 764 |
| Total noninterest income | $223,000 | 3,474 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $57,000 | 3,854 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $166,000 | 3,036 |
| Total noninterest expense | $1,262,000 | 3,426 |
| Salaries and employee benefits | $578,000 | 3,799 |
| Premises and equipment expense | $129,000 | 3,732 |
| Additional noninterest expense | $555,000 | 2,729 |
| Pre-tax net operating income | $-38,000 | 6,504 |
| Securities gains (losses) | $9,000 | 1,515 |
| Applicable income taxes | $-50,000 | 6,868 |
| Income before extraordinary items | $21,000 | 6,197 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $21,000 | 6,197 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $21,000 | 6,198 |
| Net charge-offs | $240,000 | 1,220 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $15,240 | 6,188 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,538,000 | 3,265 |
| Total interest expense | $781,000 | 4,167 |
| Net interest income | $6,757,000 | 3,067 |
| Provision for loan and lease losses | $1,835,000 | 1,143 |
| Total noninterest income | $620,000 | 4,117 |
| Gross Fiduciary activities income | $5,000 | 1,186 |
| Service charges on deposit accounts | $258,000 | 3,780 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $357,000 | 3,796 |
| Total noninterest expense | $6,041,000 | 3,014 |
| Salaries and employee benefits | $2,555,000 | 3,519 |
| Premises and equipment expense | $548,000 | 3,593 |
| Additional noninterest expense | $2,938,000 | 2,214 |
| Pre-tax net operating income | $-499,000 | 6,509 |
| Securities gains (losses) | $27,000 | 3,059 |
| Applicable income taxes | $-311,000 | 6,839 |
| Income before extraordinary items | $-161,000 | 6,441 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-161,000 | 6,435 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-161,000 | 6,437 |
| Net charge-offs | $1,006,000 | 1,808 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-178,280 | 6,360 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,777,000 | 3,270 |
| Total interest expense | $624,000 | 4,149 |
| Net interest income | $5,153,000 | 3,075 |
| Provision for loan and lease losses | $1,685,000 | 991 |
| Total noninterest income | $530,000 | 3,904 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $194,000 | 3,825 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $336,000 | 3,525 |
| Total noninterest expense | $4,680,000 | 2,958 |
| Salaries and employee benefits | $1,924,000 | 3,519 |
| Premises and equipment expense | $435,000 | 3,512 |
| Additional noninterest expense | $2,321,000 | 2,104 |
| Pre-tax net operating income | $-682,000 | 6,752 |
| Securities gains (losses) | $27,000 | 2,753 |
| Applicable income taxes | $-385,000 | 7,023 |
| Income before extraordinary items | $-270,000 | 6,667 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-270,000 | 6,665 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-270,000 | 6,665 |
| Net charge-offs | $790,000 | 1,689 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-287,280 | 6,596 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,829,000 | 3,313 |
| Total interest expense | $435,000 | 4,149 |
| Net interest income | $3,394,000 | 3,121 |
| Provision for loan and lease losses | $1,550,000 | 778 |
| Total noninterest income | $477,000 | 3,325 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $133,000 | 3,753 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $344,000 | 2,874 |
| Total noninterest expense | $3,157,000 | 2,932 |
| Salaries and employee benefits | $1,298,000 | 3,508 |
| Premises and equipment expense | $272,000 | 3,664 |
| Additional noninterest expense | $1,587,000 | 2,058 |
| Pre-tax net operating income | $-836,000 | 6,930 |
| Securities gains (losses) | $24,000 | 2,423 |
| Applicable income taxes | $-408,000 | 7,121 |
| Income before extraordinary items | $-404,000 | 6,826 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-404,000 | 6,827 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-404,000 | 6,827 |
| Net charge-offs | $718,000 | 1,418 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-419,360 | 6,786 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,815,000 | 3,475 |
| Total interest expense | $212,000 | 4,315 |
| Net interest income | $1,603,000 | 3,270 |
| Provision for loan and lease losses | $300,000 | 1,500 |
| Total noninterest income | $300,000 | 2,953 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $67,000 | 3,746 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $233,000 | 2,431 |
| Total noninterest expense | $1,562,000 | 2,950 |
| Salaries and employee benefits | $661,000 | 3,493 |
| Premises and equipment expense | $140,000 | 3,638 |
| Additional noninterest expense | $761,000 | 2,120 |
| Pre-tax net operating income | $41,000 | 6,032 |
| Securities gains (losses) | $25,000 | 1,501 |
| Applicable income taxes | $-28,000 | 7,060 |
| Income before extraordinary items | $94,000 | 5,445 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $94,000 | 5,445 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $94,000 | 5,445 |
| Net charge-offs | $353,000 | 1,349 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $69,000 | 5,611 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,541,000 | 3,843 |
| Total interest expense | $977,000 | 4,459 |
| Net interest income | $5,564,000 | 3,661 |
| Provision for loan and lease losses | $2,237,000 | 1,446 |
| Total noninterest income | $1,446,000 | 2,509 |
| Gross Fiduciary activities income | $7,000 | 1,133 |
| Service charges on deposit accounts | $358,000 | 3,246 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,081,000 | 2,032 |
| Total noninterest expense | $5,475,000 | 3,290 |
| Salaries and employee benefits | $2,660,000 | 3,400 |
| Premises and equipment expense | $527,000 | 3,893 |
| Additional noninterest expense | $2,288,000 | 2,782 |
| Pre-tax net operating income | $-702,000 | 6,488 |
| Securities gains (losses) | $38,000 | 2,752 |
| Applicable income taxes | $-967,000 | 7,160 |
| Income before extraordinary items | $303,000 | 5,237 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $303,000 | 5,239 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $303,000 | 5,239 |
| Net charge-offs | $1,787,000 | 1,666 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $278,680 | 5,204 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,758,000 | 3,945 |
| Total interest expense | $731,000 | 4,579 |
| Net interest income | $4,027,000 | 3,759 |
| Provision for loan and lease losses | $1,258,000 | 1,699 |
| Total noninterest income | $1,053,000 | 2,542 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $288,000 | 3,118 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $765,000 | 2,107 |
| Total noninterest expense | $4,095,000 | 3,312 |
| Salaries and employee benefits | $2,006,000 | 3,389 |
| Premises and equipment expense | $366,000 | 4,149 |
| Additional noninterest expense | $1,723,000 | 2,780 |
| Pre-tax net operating income | $-273,000 | 6,443 |
| Securities gains (losses) | $38,000 | 2,498 |
| Applicable income taxes | $-342,000 | 7,159 |
| Income before extraordinary items | $107,000 | 5,864 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $107,000 | 5,865 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $107,000 | 5,865 |
| Net charge-offs | $1,753,000 | 1,338 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $82,680 | 5,858 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,064,000 | 4,079 |
| Total interest expense | $491,000 | 4,681 |
| Net interest income | $2,573,000 | 3,868 |
| Provision for loan and lease losses | $576,000 | 2,154 |
| Total noninterest income | $620,000 | 2,741 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $187,000 | 3,151 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $433,000 | 2,318 |
| Total noninterest expense | $2,553,000 | 3,522 |
| Salaries and employee benefits | $1,274,000 | 3,531 |
| Premises and equipment expense | $237,000 | 4,251 |
| Additional noninterest expense | $1,042,000 | 3,101 |
| Pre-tax net operating income | $64,000 | 5,863 |
| Securities gains (losses) | $6,000 | 2,492 |
| Applicable income taxes | $-204,000 | 7,218 |
| Income before extraordinary items | $274,000 | 4,582 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $274,000 | 4,580 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $274,000 | 4,582 |
| Net charge-offs | $1,582,000 | 1,079 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $268,000 | 4,525 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,539,000 | 4,085 |
| Total interest expense | $259,000 | 4,663 |
| Net interest income | $1,280,000 | 3,880 |
| Provision for loan and lease losses | $409,000 | 1,619 |
| Total noninterest income | $268,000 | 3,028 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $82,000 | 3,383 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $186,000 | 2,576 |
| Total noninterest expense | $1,232,000 | 3,623 |
| Salaries and employee benefits | $626,000 | 3,604 |
| Premises and equipment expense | $139,000 | 3,897 |
| Additional noninterest expense | $467,000 | 3,357 |
| Pre-tax net operating income | $-93,000 | 6,671 |
| Securities gains (losses) | $4,000 | 1,490 |
| Applicable income taxes | $-129,000 | 7,320 |
| Income before extraordinary items | $40,000 | 5,852 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $40,000 | 5,851 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $40,000 | 5,852 |
| Net charge-offs | $1,207,000 | 754 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $37,440 | 5,864 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,780,000 | 3,622 |
| Total interest expense | $1,305,000 | 4,597 |
| Net interest income | $6,475,000 | 3,275 |
| Provision for loan and lease losses | $1,501,000 | 2,459 |
| Total noninterest income | $1,083,000 | 3,099 |
| Gross Fiduciary activities income | $7,000 | 1,193 |
| Service charges on deposit accounts | $365,000 | 3,252 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $711,000 | 2,667 |
| Total noninterest expense | $18,523,000 | 1,078 |
| Salaries and employee benefits | $2,386,000 | 3,713 |
| Premises and equipment expense | $570,000 | 3,850 |
| Additional noninterest expense | $15,567,000 | 505 |
| Pre-tax net operating income | $-12,466,000 | 7,409 |
| Securities gains (losses) | $113,000 | 2,057 |
| Applicable income taxes | $-83,000 | 6,803 |
| Income before extraordinary items | $-12,270,000 | 7,431 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,270,000 | 7,431 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-12,270,000 | 7,431 |
| Net charge-offs | $430,000 | 3,844 |
| Cash dividends | $4,000,000 | 410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-12,381,870 | 7,422 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,023,000 | 3,608 |
| Total interest expense | $1,001,000 | 4,698 |
| Net interest income | $5,022,000 | 3,229 |
| Provision for loan and lease losses | $626,000 | 3,182 |
| Total noninterest income | $754,000 | 3,260 |
| Gross Fiduciary activities income | $6,000 | 1,151 |
| Service charges on deposit accounts | $272,000 | 3,339 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $476,000 | 2,833 |
| Total noninterest expense | $3,916,000 | 3,493 |
| Salaries and employee benefits | $1,837,000 | 3,676 |
| Premises and equipment expense | $513,000 | 3,416 |
| Additional noninterest expense | $1,566,000 | 3,090 |
| Pre-tax net operating income | $1,234,000 | 2,731 |
| Securities gains (losses) | $109,000 | 1,866 |
| Applicable income taxes | $107,000 | 3,072 |
| Income before extraordinary items | $1,236,000 | 2,494 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,236,000 | 2,491 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,236,000 | 2,495 |
| Net charge-offs | $229,000 | 4,063 |
| Cash dividends | $4,000,000 | 271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,135,720 | 2,528 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,117,000 | 3,573 |
| Total interest expense | $677,000 | 4,766 |
| Net interest income | $3,440,000 | 3,149 |
| Provision for loan and lease losses | $406,000 | 3,164 |
| Total noninterest income | $451,000 | 3,421 |
| Gross Fiduciary activities income | $4,000 | 1,162 |
| Service charges on deposit accounts | $189,000 | 3,253 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $258,000 | 3,077 |
| Total noninterest expense | $2,568,000 | 3,551 |
| Salaries and employee benefits | $1,220,000 | 3,719 |
| Premises and equipment expense | $307,000 | 3,733 |
| Additional noninterest expense | $1,041,000 | 3,087 |
| Pre-tax net operating income | $917,000 | 2,543 |
| Securities gains (losses) | $12,000 | 2,543 |
| Applicable income taxes | $78,000 | 2,989 |
| Income before extraordinary items | $851,000 | 2,396 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $851,000 | 2,392 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $851,000 | 2,395 |
| Net charge-offs | $138,000 | 3,915 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $839,960 | 2,322 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,052,000 | 3,643 |
| Total interest expense | $347,000 | 4,845 |
| Net interest income | $1,705,000 | 3,207 |
| Provision for loan and lease losses | $158,000 | 3,276 |
| Total noninterest income | $224,000 | 3,424 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $94,000 | 3,271 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $130,000 | 3,077 |
| Total noninterest expense | $1,311,000 | 3,521 |
| Salaries and employee benefits | $634,000 | 3,655 |
| Premises and equipment expense | $160,000 | 3,713 |
| Additional noninterest expense | $517,000 | 3,079 |
| Pre-tax net operating income | $460,000 | 2,565 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $52,000 | 2,757 |
| Income before extraordinary items | $408,000 | 2,521 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $408,000 | 2,519 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $408,000 | 2,521 |
| Net charge-offs | $42,000 | 3,871 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $408,000 | 2,422 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,802,000 | 3,882 |
| Total interest expense | $2,099,000 | 4,311 |
| Net interest income | $5,703,000 | 3,604 |
| Provision for loan and lease losses | $434,000 | 4,758 |
| Total noninterest income | $809,000 | 3,744 |
| Gross Fiduciary activities income | $5,000 | 1,248 |
| Service charges on deposit accounts | $467,000 | 3,034 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $337,000 | 3,810 |
| Total noninterest expense | $4,892,000 | 3,767 |
| Salaries and employee benefits | $2,400,000 | 3,808 |
| Premises and equipment expense | $572,000 | 3,999 |
| Additional noninterest expense | $1,920,000 | 3,417 |
| Pre-tax net operating income | $1,186,000 | 2,727 |
| Securities gains (losses) | $7,000 | 3,362 |
| Applicable income taxes | $-43,000 | 6,424 |
| Income before extraordinary items | $1,236,000 | 2,428 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,236,000 | 2,426 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,236,000 | 2,427 |
| Net charge-offs | $82,000 | 5,863 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,229,000 | 2,389 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,884,000 | 3,927 |
| Total interest expense | $1,683,000 | 4,289 |
| Net interest income | $4,201,000 | 3,664 |
| Provision for loan and lease losses | $351,000 | 4,372 |
| Total noninterest income | $612,000 | 3,807 |
| Gross Fiduciary activities income | $5,000 | 1,190 |
| Service charges on deposit accounts | $345,000 | 3,071 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $262,000 | 3,823 |
| Total noninterest expense | $3,678,000 | 3,753 |
| Salaries and employee benefits | $1,844,000 | 3,769 |
| Premises and equipment expense | $440,000 | 3,981 |
| Additional noninterest expense | $1,394,000 | 3,462 |
| Pre-tax net operating income | $784,000 | 3,144 |
| Securities gains (losses) | $4,000 | 3,208 |
| Applicable income taxes | $-114,000 | 6,975 |
| Income before extraordinary items | $902,000 | 2,644 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $902,000 | 2,640 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $902,000 | 2,644 |
| Net charge-offs | $58,000 | 5,561 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $898,000 | 2,615 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,881,000 | 3,990 |
| Total interest expense | $1,187,000 | 4,279 |
| Net interest income | $2,694,000 | 3,758 |
| Provision for loan and lease losses | $273,000 | 3,886 |
| Total noninterest income | $387,000 | 3,913 |
| Gross Fiduciary activities income | $5,000 | 1,161 |
| Service charges on deposit accounts | $224,000 | 3,103 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $158,000 | 4,010 |
| Total noninterest expense | $2,424,000 | 3,824 |
| Salaries and employee benefits | $1,245,000 | 3,782 |
| Premises and equipment expense | $309,000 | 3,849 |
| Additional noninterest expense | $870,000 | 3,647 |
| Pre-tax net operating income | $384,000 | 3,754 |
| Securities gains (losses) | $4,000 | 2,814 |
| Applicable income taxes | $-126,000 | 7,206 |
| Income before extraordinary items | $514,000 | 3,037 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $514,000 | 3,035 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $514,000 | 3,036 |
| Net charge-offs | $60,000 | 4,757 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $510,000 | 2,953 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,919,000 | 4,065 |
| Total interest expense | $638,000 | 4,208 |
| Net interest income | $1,281,000 | 3,867 |
| Provision for loan and lease losses | $54,000 | 4,836 |
| Total noninterest income | $192,000 | 3,896 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $116,000 | 2,969 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $76,000 | 4,106 |
| Total noninterest expense | $1,296,000 | 3,535 |
| Salaries and employee benefits | $628,000 | 3,788 |
| Premises and equipment expense | $171,000 | 3,628 |
| Additional noninterest expense | $497,000 | 3,021 |
| Pre-tax net operating income | $123,000 | 4,775 |
| Securities gains (losses) | $4,000 | 2,106 |
| Applicable income taxes | $-107,000 | 7,569 |
| Income before extraordinary items | $234,000 | 3,577 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $234,000 | 3,577 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $234,000 | 3,578 |
| Net charge-offs | $20,000 | 4,311 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $230,000 | 3,477 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,048,000 | 4,116 |
| Total interest expense | $2,752,000 | 4,498 |
| Net interest income | $5,296,000 | 3,788 |
| Provision for loan and lease losses | $161,000 | 5,477 |
| Total noninterest income | $506,000 | 4,811 |
| Gross Fiduciary activities income | $6,000 | 1,269 |
| Service charges on deposit accounts | $279,000 | 4,146 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $221,000 | 4,680 |
| Total noninterest expense | $5,326,000 | 3,388 |
| Salaries and employee benefits | $2,756,000 | 3,491 |
| Premises and equipment expense | $643,000 | 3,720 |
| Additional noninterest expense | $1,927,000 | 2,951 |
| Pre-tax net operating income | $315,000 | 5,393 |
| Securities gains (losses) | $20,000 | 2,184 |
| Applicable income taxes | $-524,000 | 7,517 |
| Income before extraordinary items | $859,000 | 3,569 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $859,000 | 3,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 5,443 |
| Cash dividends | $7,000,000 | 414 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $839,000 | 3,749 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,799,000 | 4,290 |
| Total interest expense | $2,072,000 | 4,595 |
| Net interest income | $3,727,000 | 3,983 |
| Provision for loan and lease losses | $59,000 | 5,740 |
| Total noninterest income | $505,000 | 4,314 |
| Gross Fiduciary activities income | $6,000 | 1,224 |
| Service charges on deposit accounts | $276,000 | 3,651 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $223,000 | 4,220 |
| Total noninterest expense | $3,785,000 | 3,523 |
| Salaries and employee benefits | $2,049,000 | 3,539 |
| Premises and equipment expense | $582,000 | 3,271 |
| Additional noninterest expense | $1,154,000 | 3,487 |
| Pre-tax net operating income | $388,000 | 5,311 |
| Securities gains (losses) | $11,000 | 2,331 |
| Applicable income taxes | $-314,000 | 7,751 |
| Income before extraordinary items | $713,000 | 3,781 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $713,000 | 3,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,531 |
| Cash dividends | $7,000,000 | 328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $702,000 | 3,948 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,825,000 | 4,376 |
| Total interest expense | $1,440,000 | 4,622 |
| Net interest income | $2,385,000 | 4,095 |
| Provision for loan and lease losses | $24,000 | 5,853 |
| Total noninterest income | $318,000 | 4,502 |
| Gross Fiduciary activities income | $6,000 | 1,200 |
| Service charges on deposit accounts | $164,000 | 3,882 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $148,000 | 4,338 |
| Total noninterest expense | $2,466,000 | 3,602 |
| Salaries and employee benefits | $1,344,000 | 3,623 |
| Premises and equipment expense | $392,000 | 3,266 |
| Additional noninterest expense | $730,000 | 3,606 |
| Pre-tax net operating income | $213,000 | 5,729 |
| Securities gains (losses) | $11,000 | 2,404 |
| Applicable income taxes | $-230,000 | 8,007 |
| Income before extraordinary items | $454,000 | 4,219 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $454,000 | 4,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,038 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $443,000 | 4,207 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,943,000 | 4,401 |
| Total interest expense | $738,000 | 4,740 |
| Net interest income | $1,205,000 | 4,093 |
| Provision for loan and lease losses | $8,000 | 5,577 |
| Total noninterest income | $153,000 | 4,570 |
| Gross Fiduciary activities income | $5,000 | 1,113 |
| Service charges on deposit accounts | $74,000 | 4,043 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $74,000 | 4,349 |
| Total noninterest expense | $1,217,000 | 3,654 |
| Salaries and employee benefits | $685,000 | 3,606 |
| Premises and equipment expense | $203,000 | 3,191 |
| Additional noninterest expense | $329,000 | 3,846 |
| Pre-tax net operating income | $133,000 | 5,620 |
| Securities gains (losses) | $5,000 | 2,232 |
| Applicable income taxes | $-106,000 | 8,150 |
| Income before extraordinary items | $244,000 | 4,237 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $244,000 | 4,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,745 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $239,000 | 4,188 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,455,000 | 4,568 |
| Total interest expense | $3,012,000 | 4,781 |
| Net interest income | $4,443,000 | 4,326 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $631,000 | 4,533 |
| Gross Fiduciary activities income | $7,000 | 1,300 |
| Service charges on deposit accounts | $329,000 | 3,899 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $295,000 | 4,276 |
| Total noninterest expense | $4,082,000 | 4,052 |
| Salaries and employee benefits | $2,020,000 | 4,361 |
| Premises and equipment expense | $664,000 | 3,572 |
| Additional noninterest expense | $1,398,000 | 3,624 |
| Pre-tax net operating income | $962,000 | 4,810 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-258,000 | 8,175 |
| Income before extraordinary items | $1,220,000 | 3,905 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,220,000 | 3,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,733 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,220,000 | 3,899 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,609,000 | 4,569 |
| Total interest expense | $2,258,000 | 4,797 |
| Net interest income | $3,351,000 | 4,342 |
| Provision for loan and lease losses | $23,000 | 5,748 |
| Total noninterest income | $470,000 | 4,553 |
| Gross Fiduciary activities income | $6,000 | 1,244 |
| Service charges on deposit accounts | $245,000 | 3,900 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $219,000 | 4,315 |
| Total noninterest expense | $2,999,000 | 4,095 |
| Salaries and employee benefits | $1,458,000 | 4,464 |
| Premises and equipment expense | $483,000 | 3,635 |
| Additional noninterest expense | $1,058,000 | 3,542 |
| Pre-tax net operating income | $799,000 | 4,837 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-162,000 | 8,293 |
| Income before extraordinary items | $961,000 | 3,983 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $961,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,861 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $961,000 | 3,964 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,746,000 | 4,588 |
| Total interest expense | $1,517,000 | 4,762 |
| Net interest income | $2,229,000 | 4,379 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $309,000 | 4,591 |
| Gross Fiduciary activities income | $6,000 | 1,205 |
| Service charges on deposit accounts | $159,000 | 3,978 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $144,000 | 4,393 |
| Total noninterest expense | $1,839,000 | 4,375 |
| Salaries and employee benefits | $957,000 | 4,556 |
| Premises and equipment expense | $319,000 | 3,683 |
| Additional noninterest expense | $563,000 | 4,205 |
| Pre-tax net operating income | $684,000 | 4,366 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-54,000 | 8,300 |
| Income before extraordinary items | $738,000 | 3,698 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $738,000 | 3,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $738,000 | 3,680 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,878,000 | 4,581 |
| Total interest expense | $749,000 | 4,778 |
| Net interest income | $1,129,000 | 4,340 |
| Provision for loan and lease losses | $8,000 | 5,190 |
| Total noninterest income | $154,000 | 4,584 |
| Gross Fiduciary activities income | $5,000 | 1,109 |
| Service charges on deposit accounts | $79,000 | 3,930 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $70,000 | 4,459 |
| Total noninterest expense | $933,000 | 4,343 |
| Salaries and employee benefits | $519,000 | 4,314 |
| Premises and equipment expense | $164,000 | 3,633 |
| Additional noninterest expense | $250,000 | 4,540 |
| Pre-tax net operating income | $342,000 | 4,367 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-28,000 | 8,340 |
| Income before extraordinary items | $370,000 | 3,677 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $370,000 | 3,678 |
| 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 | $370,000 | 3,656 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,443,000 | 4,391 |
| Total interest expense | $2,707,000 | 4,587 |
| Net interest income | $4,736,000 | 4,178 |
| Provision for loan and lease losses | $30,000 | 6,013 |
| Total noninterest income | $716,000 | 4,308 |
| Gross Fiduciary activities income | $6,000 | 1,339 |
| Service charges on deposit accounts | $392,000 | 3,575 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $318,000 | 4,191 |
| Total noninterest expense | $3,853,000 | 4,094 |
| Salaries and employee benefits | $2,243,000 | 3,922 |
| Premises and equipment expense | $684,000 | 3,387 |
| Additional noninterest expense | $926,000 | 4,767 |
| Pre-tax net operating income | $1,569,000 | 4,197 |
| Securities gains (losses) | $-4,000 | 7,017 |
| Applicable income taxes | $-96,000 | 8,366 |
| Income before extraordinary items | $1,661,000 | 3,539 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,661,000 | 3,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,423 |
| Cash dividends | $1,500,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,665,000 | 3,514 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,531,000 | 4,403 |
| Total interest expense | $1,931,000 | 4,659 |
| Net interest income | $3,600,000 | 4,156 |
| Provision for loan and lease losses | $23,000 | 5,896 |
| Total noninterest income | $550,000 | 4,268 |
| Gross Fiduciary activities income | $6,000 | 1,272 |
| Service charges on deposit accounts | $302,000 | 3,557 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $242,000 | 4,151 |
| Total noninterest expense | $2,732,000 | 4,250 |
| Salaries and employee benefits | $1,522,000 | 4,195 |
| Premises and equipment expense | $510,000 | 3,418 |
| Additional noninterest expense | $700,000 | 4,696 |
| Pre-tax net operating income | $1,395,000 | 3,954 |
| Securities gains (losses) | $-16,000 | 7,758 |
| Applicable income taxes | $10,000 | 6,224 |
| Income before extraordinary items | $1,369,000 | 3,405 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,369,000 | 3,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,367 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,384,840 | 3,369 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,626,000 | 4,401 |
| Total interest expense | $1,204,000 | 4,703 |
| Net interest income | $2,422,000 | 4,134 |
| Provision for loan and lease losses | $15,000 | 5,732 |
| Total noninterest income | $336,000 | 4,450 |
| Gross Fiduciary activities income | $6,000 | 1,233 |
| Service charges on deposit accounts | $199,000 | 3,558 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $131,000 | 4,568 |
| Total noninterest expense | $1,816,000 | 4,270 |
| Salaries and employee benefits | $1,003,000 | 4,251 |
| Premises and equipment expense | $335,000 | 3,448 |
| Additional noninterest expense | $478,000 | 4,623 |
| Pre-tax net operating income | $927,000 | 3,978 |
| Securities gains (losses) | $-16,000 | 8,012 |
| Applicable income taxes | $12,000 | 6,049 |
| Income before extraordinary items | $899,000 | 3,452 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $899,000 | 3,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $914,840 | 3,406 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,786,000 | 4,396 |
| Total interest expense | $584,000 | 4,653 |
| Net interest income | $1,202,000 | 4,151 |
| Provision for loan and lease losses | $8,000 | 5,456 |
| Total noninterest income | $165,000 | 4,423 |
| Gross Fiduciary activities income | $5,000 | 1,164 |
| Service charges on deposit accounts | $96,000 | 3,560 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $943,000 | 4,175 |
| Salaries and employee benefits | $536,000 | 4,082 |
| Premises and equipment expense | $161,000 | 3,575 |
| Additional noninterest expense | $246,000 | 4,529 |
| Pre-tax net operating income | $416,000 | 4,186 |
| Securities gains (losses) | $-16,000 | 8,334 |
| Applicable income taxes | $7,000 | 5,939 |
| Income before extraordinary items | $393,000 | 3,745 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $393,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $408,680 | 3,638 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,110,000 | 4,103 |
| Total interest expense | $2,034,000 | 4,378 |
| Net interest income | $5,076,000 | 3,913 |
| Provision for loan and lease losses | $30,000 | 6,187 |
| Total noninterest income | $653,000 | 4,576 |
| Gross Fiduciary activities income | $5,000 | 1,378 |
| Service charges on deposit accounts | $392,000 | 3,598 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $256,000 | 4,681 |
| Total noninterest expense | $3,668,000 | 4,141 |
| Salaries and employee benefits | $2,132,000 | 3,941 |
| Premises and equipment expense | $596,000 | 3,678 |
| Additional noninterest expense | $940,000 | 4,624 |
| Pre-tax net operating income | $2,031,000 | 3,649 |
| Securities gains (losses) | $59,000 | 867 |
| Applicable income taxes | $45,000 | 5,931 |
| Income before extraordinary items | $2,045,000 | 3,048 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,045,000 | 3,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,036 |
| Cash dividends | $1,500,000 | 1,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,987,180 | 3,074 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,306,000 | 4,067 |
| Total interest expense | $1,447,000 | 4,396 |
| Net interest income | $3,859,000 | 3,868 |
| Provision for loan and lease losses | $23,000 | 6,069 |
| Total noninterest income | $490,000 | 4,605 |
| Gross Fiduciary activities income | $5,000 | 1,304 |
| Service charges on deposit accounts | $291,000 | 3,631 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $194,000 | 4,664 |
| Total noninterest expense | $2,563,000 | 4,335 |
| Salaries and employee benefits | $1,435,000 | 4,226 |
| Premises and equipment expense | $440,000 | 3,716 |
| Additional noninterest expense | $688,000 | 4,675 |
| Pre-tax net operating income | $1,763,000 | 3,345 |
| Securities gains (losses) | $59,000 | 821 |
| Applicable income taxes | $129,000 | 4,992 |
| Income before extraordinary items | $1,693,000 | 2,833 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,693,000 | 2,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,638,130 | 2,877 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,530,000 | 4,012 |
| Total interest expense | $933,000 | 4,342 |
| Net interest income | $2,597,000 | 3,811 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $316,000 | 4,657 |
| Gross Fiduciary activities income | $5,000 | 1,265 |
| Service charges on deposit accounts | $187,000 | 3,662 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $124,000 | 4,729 |
| Total noninterest expense | $1,691,000 | 4,351 |
| Salaries and employee benefits | $944,000 | 4,258 |
| Premises and equipment expense | $282,000 | 3,796 |
| Additional noninterest expense | $465,000 | 4,613 |
| Pre-tax net operating income | $1,207,000 | 3,234 |
| Securities gains (losses) | $59,000 | 736 |
| Applicable income taxes | $99,000 | 4,823 |
| Income before extraordinary items | $1,167,000 | 2,718 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,167,000 | 2,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,112,720 | 2,801 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 3,992 |
| Total interest expense | $465,000 | 4,235 |
| Net interest income | $1,291,000 | 3,816 |
| Provision for loan and lease losses | $8,000 | 5,590 |
| Total noninterest income | $148,000 | 4,742 |
| Gross Fiduciary activities income | $4,000 | 1,192 |
| Service charges on deposit accounts | $87,000 | 3,754 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $57,000 | 4,893 |
| Total noninterest expense | $878,000 | 4,246 |
| Salaries and employee benefits | $508,000 | 4,045 |
| Premises and equipment expense | $141,000 | 3,820 |
| Additional noninterest expense | $229,000 | 4,660 |
| Pre-tax net operating income | $553,000 | 3,419 |
| Securities gains (losses) | $59,000 | 502 |
| Applicable income taxes | $32,000 | 5,242 |
| Income before extraordinary items | $580,000 | 2,687 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $580,000 | 2,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $523,950 | 2,894 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,904,000 | 3,852 |
| Total interest expense | $1,638,000 | 4,255 |
| Net interest income | $5,266,000 | 3,658 |
| Provision for loan and lease losses | $17,000 | 6,824 |
| Total noninterest income | $602,000 | 4,811 |
| Gross Fiduciary activities income | $6,000 | 1,382 |
| Service charges on deposit accounts | $361,000 | 3,866 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $235,000 | 4,759 |
| Total noninterest expense | $3,596,000 | 4,090 |
| Salaries and employee benefits | $2,130,000 | 3,783 |
| Premises and equipment expense | $550,000 | 3,800 |
| Additional noninterest expense | $916,000 | 4,627 |
| Pre-tax net operating income | $2,255,000 | 3,238 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $142,000 | 5,164 |
| Income before extraordinary items | $2,113,000 | 2,781 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,113,000 | 2,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,541 |
| Cash dividends | $1,500,000 | 1,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,113,000 | 2,725 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,065,000 | 3,900 |
| Total interest expense | $1,182,000 | 4,328 |
| Net interest income | $3,883,000 | 3,686 |
| Provision for loan and lease losses | $12,000 | 6,640 |
| Total noninterest income | $455,000 | 4,793 |
| Gross Fiduciary activities income | $6,000 | 1,324 |
| Service charges on deposit accounts | $275,000 | 3,869 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $174,000 | 4,794 |
| Total noninterest expense | $2,481,000 | 4,318 |
| Salaries and employee benefits | $1,434,000 | 4,102 |
| Premises and equipment expense | $406,000 | 3,830 |
| Additional noninterest expense | $641,000 | 4,836 |
| Pre-tax net operating income | $1,845,000 | 3,086 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $175,000 | 4,645 |
| Income before extraordinary items | $1,670,000 | 2,705 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,670,000 | 2,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,894 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,670,000 | 2,648 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,345,000 | 3,921 |
| Total interest expense | $780,000 | 4,351 |
| Net interest income | $2,565,000 | 3,695 |
| Provision for loan and lease losses | $8,000 | 6,484 |
| Total noninterest income | $300,000 | 4,828 |
| Gross Fiduciary activities income | $5,000 | 1,290 |
| Service charges on deposit accounts | $182,000 | 3,874 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $113,000 | 4,921 |
| Total noninterest expense | $1,636,000 | 4,390 |
| Salaries and employee benefits | $940,000 | 4,168 |
| Premises and equipment expense | $261,000 | 3,948 |
| Additional noninterest expense | $435,000 | 4,793 |
| Pre-tax net operating income | $1,221,000 | 3,070 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $118,000 | 4,630 |
| Income before extraordinary items | $1,103,000 | 2,707 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,103,000 | 2,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,091 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,103,000 | 2,632 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,691,000 | 3,889 |
| Total interest expense | $394,000 | 4,384 |
| Net interest income | $1,297,000 | 3,653 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $145,000 | 4,852 |
| Gross Fiduciary activities income | $4,000 | 1,216 |
| Service charges on deposit accounts | $90,000 | 3,830 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $51,000 | 5,085 |
| Total noninterest expense | $854,000 | 4,271 |
| Salaries and employee benefits | $498,000 | 4,016 |
| Premises and equipment expense | $135,000 | 3,876 |
| Additional noninterest expense | $221,000 | 4,708 |
| Pre-tax net operating income | $585,000 | 3,137 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $55,000 | 4,720 |
| Income before extraordinary items | $530,000 | 2,804 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $530,000 | 2,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $530,000 | 2,709 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,385,000 | 4,114 |
| Total interest expense | $1,729,000 | 4,472 |
| Net interest income | $4,656,000 | 3,896 |
| Provision for loan and lease losses | $12,000 | 7,277 |
| Total noninterest income | $624,000 | 4,856 |
| Gross Fiduciary activities income | $6,000 | 1,429 |
| Service charges on deposit accounts | $393,000 | 3,685 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $225,000 | 5,046 |
| Total noninterest expense | $3,292,000 | 4,326 |
| Salaries and employee benefits | $1,962,000 | 3,991 |
| Premises and equipment expense | $537,000 | 3,849 |
| Additional noninterest expense | $793,000 | 5,074 |
| Pre-tax net operating income | $1,976,000 | 3,423 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $203,000 | 4,912 |
| Income before extraordinary items | $1,773,000 | 3,139 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,773,000 | 3,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,982 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,773,000 | 2,991 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,698,000 | 4,226 |
| Total interest expense | $1,306,000 | 4,567 |
| Net interest income | $3,392,000 | 4,004 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $471,000 | 4,901 |
| Gross Fiduciary activities income | $5,000 | 1,384 |
| Service charges on deposit accounts | $293,000 | 3,704 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $173,000 | 5,056 |
| Total noninterest expense | $2,209,000 | 4,640 |
| Salaries and employee benefits | $1,245,000 | 4,494 |
| Premises and equipment expense | $412,000 | 3,767 |
| Additional noninterest expense | $552,000 | 5,308 |
| Pre-tax net operating income | $1,645,000 | 3,306 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $224,000 | 4,478 |
| Income before extraordinary items | $1,421,000 | 3,092 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,421,000 | 3,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,421,000 | 2,938 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,217,000 | 4,174 |
| Total interest expense | $914,000 | 4,542 |
| Net interest income | $2,303,000 | 3,954 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $310,000 | 4,903 |
| Gross Fiduciary activities income | $4,000 | 1,366 |
| Service charges on deposit accounts | $194,000 | 3,696 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $112,000 | 5,124 |
| Total noninterest expense | $1,497,000 | 4,597 |
| Salaries and employee benefits | $850,000 | 4,431 |
| Premises and equipment expense | $277,000 | 3,722 |
| Additional noninterest expense | $370,000 | 5,284 |
| Pre-tax net operating income | $1,110,000 | 3,267 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $187,000 | 4,099 |
| Income before extraordinary items | $923,000 | 3,152 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $923,000 | 3,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,353 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $923,000 | 2,987 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,697,000 | 4,027 |
| Total interest expense | $462,000 | 4,594 |
| Net interest income | $1,235,000 | 3,727 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $157,000 | 4,778 |
| Gross Fiduciary activities income | $3,000 | 1,293 |
| Service charges on deposit accounts | $98,000 | 3,600 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $56,000 | 5,056 |
| Total noninterest expense | $726,000 | 4,674 |
| Salaries and employee benefits | $399,000 | 4,620 |
| Premises and equipment expense | $138,000 | 3,737 |
| Additional noninterest expense | $189,000 | 5,173 |
| Pre-tax net operating income | $663,000 | 2,860 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $136,000 | 3,394 |
| Income before extraordinary items | $527,000 | 2,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $527,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $527,000 | 2,694 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,940,000 | 4,076 |
| Total interest expense | $2,165,000 | 4,557 |
| Net interest income | $4,775,000 | 3,801 |
| Provision for loan and lease losses | $12,000 | 7,731 |
| Total noninterest income | $623,000 | 4,632 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $407,000 | 3,498 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $211,000 | 4,913 |
| Total noninterest expense | $3,203,000 | 4,246 |
| Salaries and employee benefits | $1,866,000 | 3,970 |
| Premises and equipment expense | $587,000 | 3,473 |
| Additional noninterest expense | $750,000 | 5,159 |
| Pre-tax net operating income | $2,183,000 | 3,230 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $448,000 | 3,667 |
| Income before extraordinary items | $1,735,000 | 3,123 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,735,000 | 3,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,176 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,735,000 | 3,016 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,088,000 | 4,394 |
| Total interest expense | $2,964,000 | 4,780 |
| Net interest income | $4,124,000 | 4,032 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $630,000 | 4,468 |
| Gross Fiduciary activities income | $5,000 | 1,541 |
| Service charges on deposit accounts | $418,000 | 3,265 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $207,000 | 4,858 |
| Total noninterest expense | $3,070,000 | 4,252 |
| Salaries and employee benefits | $1,749,000 | 3,999 |
| Premises and equipment expense | $591,000 | 3,408 |
| Additional noninterest expense | $730,000 | 5,119 |
| Pre-tax net operating income | $1,672,000 | 3,598 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $366,000 | 3,907 |
| Income before extraordinary items | $1,306,000 | 3,572 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,306,000 | 3,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,306,000 | 3,476 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,609,000 | 4,789 |
| Total interest expense | $2,805,000 | 5,174 |
| Net interest income | $3,804,000 | 4,355 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $532,000 | 4,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $368,000 | 3,456 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,264 |
| Total noninterest expense | $2,815,000 | 4,456 |
| Salaries and employee benefits | $1,602,000 | 4,143 |
| Premises and equipment expense | $541,000 | 3,569 |
| Additional noninterest expense | $672,000 | 5,336 |
| Pre-tax net operating income | $1,509,000 | 4,058 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $349,000 | 4,275 |
| Income before extraordinary items | $1,160,000 | 3,956 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,160,000 | 3,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,551 |
| Cash dividends | $1,000,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,160,000 | 3,944 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,869,000 | 5,022 |
| Total interest expense | $2,294,000 | 5,493 |
| Net interest income | $3,575,000 | 4,580 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $442,000 | 5,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 3,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 5,845 |
| Total noninterest expense | $2,636,000 | 4,675 |
| Salaries and employee benefits | $1,534,000 | 4,261 |
| Premises and equipment expense | $506,000 | 3,729 |
| Additional noninterest expense | $596,000 | 5,845 |
| Pre-tax net operating income | $1,369,000 | 4,362 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $303,000 | 4,802 |
| Income before extraordinary items | $1,066,000 | 4,225 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,066,000 | 4,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 9,894 |
| Cash dividends | $730,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,066,000 | 4,188 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,586,000 | 5,245 |
| Total interest expense | $2,382,000 | 5,552 |
| Net interest income | $3,204,000 | 4,905 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $408,000 | 5,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 3,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 6,659 |
| Total noninterest expense | $2,528,000 | 4,740 |
| Salaries and employee benefits | $1,490,000 | 4,263 |
| Premises and equipment expense | $444,000 | 4,065 |
| Additional noninterest expense | $594,000 | 5,790 |
| Pre-tax net operating income | $1,072,000 | 5,207 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $168,000 | 6,606 |
| Income before extraordinary items | $904,000 | 4,810 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $904,000 | 4,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $625,000 | 3,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $904,000 | 4,715 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,411,000 | 5,476 |
| Total interest expense | $2,285,000 | 5,737 |
| Net interest income | $3,126,000 | 5,132 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $420,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 3,822 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,947 |
| Total noninterest expense | $2,406,000 | 4,939 |
| Salaries and employee benefits | $1,456,000 | 4,354 |
| Premises and equipment expense | $333,000 | 5,085 |
| Additional noninterest expense | $617,000 | 5,704 |
| Pre-tax net operating income | $1,128,000 | 5,441 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $171,000 | 7,306 |
| Income before extraordinary items | $957,000 | 4,855 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $957,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $197,000 | 5,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $957,000 | 4,796 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,228,000 | 5,750 |
| Total interest expense | $2,114,000 | 6,196 |
| Net interest income | $3,114,000 | 5,301 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $471,000 | 5,369 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 3,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 6,294 |
| Total noninterest expense | $2,295,000 | 5,356 |
| Salaries and employee benefits | $1,326,000 | 4,781 |
| Premises and equipment expense | $264,000 | 6,054 |
| Additional noninterest expense | $705,000 | 5,719 |
| Pre-tax net operating income | $1,278,000 | 4,886 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $245,000 | 6,513 |
| Income before extraordinary items | $1,033,000 | 4,364 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,033,000 | 4,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $101,000 | 6,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,033,000 | 4,311 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,849,000 | 6,130 |
| Total interest expense | $1,929,000 | 6,629 |
| Net interest income | $2,920,000 | 5,618 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $406,000 | 5,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,506 |
| Total noninterest expense | $2,116,000 | 5,744 |
| Salaries and employee benefits | $1,193,000 | 5,241 |
| Premises and equipment expense | $239,000 | 6,526 |
| Additional noninterest expense | $684,000 | 5,969 |
| Pre-tax net operating income | $1,198,000 | 5,249 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $252,000 | 6,622 |
| Income before extraordinary items | $946,000 | 4,801 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $946,000 | 4,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $103,000 | 6,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $946,000 | 4,795 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,303,000 | 6,347 |
| Total interest expense | $1,490,000 | 6,919 |
| Net interest income | $2,813,000 | 5,880 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $433,000 | 5,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $321,000 | 4,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 7,162 |
| Total noninterest expense | $2,098,000 | 5,968 |
| Salaries and employee benefits | $1,154,000 | 5,439 |
| Premises and equipment expense | $244,000 | 6,618 |
| Additional noninterest expense | $700,000 | 6,311 |
| Pre-tax net operating income | $1,136,000 | 5,439 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $246,000 | 6,601 |
| Income before extraordinary items | $890,000 | 4,963 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $890,000 | 4,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $87,000 | 7,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $890,000 | 5,016 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,184,000 | 6,654 |
| Total interest expense | $1,590,000 | 6,905 |
| Net interest income | $2,594,000 | 6,373 |
| Provision for loan and lease losses | $28,000 | 8,567 |
| Total noninterest income | $406,000 | 6,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 4,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,670 |
| Total noninterest expense | $2,001,000 | 6,337 |
| Salaries and employee benefits | $1,075,000 | 5,766 |
| Premises and equipment expense | $236,000 | 6,969 |
| Additional noninterest expense | $690,000 | 6,635 |
| Pre-tax net operating income | $971,000 | 6,017 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $233,000 | 7,046 |
| Income before extraordinary items | $739,000 | 5,887 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $739,000 | 6,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $86,000 | 7,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $738,240 | 5,633 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,519,000 | 6,876 |
| Total interest expense | $1,978,000 | 7,158 |
| Net interest income | $2,541,000 | 6,516 |
| Provision for loan and lease losses | $32,000 | 9,896 |
| Total noninterest income | $406,000 | 6,492 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $330,000 | 4,128 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 9,018 |
| Total noninterest expense | $1,913,000 | 6,619 |
| Salaries and employee benefits | $1,027,000 | 5,885 |
| Premises and equipment expense | $224,000 | 7,300 |
| Additional noninterest expense | $662,000 | 7,017 |
| Pre-tax net operating income | $1,002,000 | 5,606 |
| Securities gains (losses) | $34,000 | 4,785 |
| Applicable income taxes | $306,000 | 5,853 |
| Income before extraordinary items | $730,000 | 5,749 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $730,000 | 5,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 6,285 |
| Cash dividends | $165,000 | 5,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $706,200 | 5,543 |
* 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.