Home > Peoples State Bank > Income and Expense
Peoples State Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $512,000 | 7,517 |
| Total interest expense | $182,000 | 7,106 |
| Net interest income | $330,000 | 7,583 |
| Provision for loan and lease losses | $484,000 | 2,910 |
| Total noninterest income | $81,000 | 6,357 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $62,000 | 5,299 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $19,000 | 6,502 |
| Total noninterest expense | $684,000 | 6,777 |
| Salaries and employee benefits | $236,000 | 7,311 |
| Premises and equipment expense | $60,000 | 7,012 |
| Additional noninterest expense | $388,000 | 5,726 |
| Pre-tax net operating income | $-757,000 | 6,892 |
| Securities gains (losses) | $-6,000 | 7,275 |
| Applicable income taxes | $-288,000 | 7,389 |
| Income before extraordinary items | $-475,000 | 6,840 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-475,000 | 6,842 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-475,000 | 6,841 |
| Net charge-offs | $582,000 | 2,269 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-471,160 | 6,798 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $264,000 | 7,600 |
| Total interest expense | $91,000 | 7,218 |
| Net interest income | $173,000 | 7,658 |
| Provision for loan and lease losses | $191,000 | 3,067 |
| Total noninterest income | $47,000 | 6,211 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $30,000 | 5,359 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $17,000 | 6,134 |
| Total noninterest expense | $346,000 | 6,850 |
| Salaries and employee benefits | $122,000 | 7,370 |
| Premises and equipment expense | $29,000 | 7,134 |
| Additional noninterest expense | $195,000 | 5,755 |
| Pre-tax net operating income | $-317,000 | 6,990 |
| Securities gains (losses) | $-6,000 | 7,459 |
| Applicable income taxes | $-120,000 | 7,476 |
| Income before extraordinary items | $-203,000 | 6,934 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-203,000 | 6,935 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-203,000 | 6,934 |
| Net charge-offs | $322,000 | 1,968 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-199,160 | 6,889 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,196,000 | 7,601 |
| Total interest expense | $439,000 | 7,262 |
| Net interest income | $757,000 | 7,654 |
| Provision for loan and lease losses | $385,000 | 4,915 |
| Total noninterest income | $126,000 | 6,773 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $129,000 | 5,385 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-3,000 | 7,444 |
| Total noninterest expense | $3,121,000 | 5,058 |
| Salaries and employee benefits | $394,000 | 7,645 |
| Premises and equipment expense | $118,000 | 7,211 |
| Additional noninterest expense | $2,609,000 | 2,646 |
| Pre-tax net operating income | $-2,623,000 | 6,803 |
| Securities gains (losses) | $7,000 | 3,362 |
| Applicable income taxes | $-276,000 | 6,842 |
| Income before extraordinary items | $-2,340,000 | 6,847 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,340,000 | 6,844 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,340,000 | 6,845 |
| Net charge-offs | $212,000 | 4,934 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,346,230 | 6,846 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $899,000 | 7,676 |
| Total interest expense | $344,000 | 7,328 |
| Net interest income | $555,000 | 7,736 |
| Provision for loan and lease losses | $141,000 | 5,566 |
| Total noninterest income | $117,000 | 6,654 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $98,000 | 5,393 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $19,000 | 7,013 |
| Total noninterest expense | $2,411,000 | 4,988 |
| Salaries and employee benefits | $283,000 | 7,740 |
| Premises and equipment expense | $86,000 | 7,303 |
| Additional noninterest expense | $2,042,000 | 2,527 |
| Pre-tax net operating income | $-1,880,000 | 7,004 |
| Securities gains (losses) | $1,000 | 3,393 |
| Applicable income taxes | $-140,000 | 7,018 |
| Income before extraordinary items | $-1,739,000 | 7,089 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,739,000 | 7,087 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,739,000 | 7,088 |
| Net charge-offs | $108,000 | 4,991 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,739,930 | 7,078 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $610,000 | 7,745 |
| Total interest expense | $239,000 | 7,387 |
| Net interest income | $371,000 | 7,793 |
| Provision for loan and lease losses | $19,000 | 6,717 |
| Total noninterest income | $88,000 | 6,571 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $64,000 | 5,441 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $24,000 | 6,629 |
| Total noninterest expense | $612,000 | 7,223 |
| Salaries and employee benefits | $195,000 | 7,798 |
| Premises and equipment expense | $58,000 | 7,366 |
| Additional noninterest expense | $359,000 | 6,098 |
| Pre-tax net operating income | $-172,000 | 6,229 |
| Securities gains (losses) | $1,000 | 3,011 |
| Applicable income taxes | $-62,000 | 7,050 |
| Income before extraordinary items | $-109,000 | 6,206 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-109,000 | 6,205 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-109,000 | 6,205 |
| Net charge-offs | $-15,000 | 7,961 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-109,640 | 6,173 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $289,000 | 7,843 |
| Total interest expense | $129,000 | 7,394 |
| Net interest income | $160,000 | 7,947 |
| Provision for loan and lease losses | $1,000 | 6,705 |
| Total noninterest income | $45,000 | 6,509 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $31,000 | 5,453 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $14,000 | 6,542 |
| Total noninterest expense | $302,000 | 7,260 |
| Salaries and employee benefits | $103,000 | 7,796 |
| Premises and equipment expense | $29,000 | 7,401 |
| Additional noninterest expense | $170,000 | 6,008 |
| Pre-tax net operating income | $-98,000 | 6,644 |
| Securities gains (losses) | $1,000 | 2,304 |
| Applicable income taxes | $-35,000 | 7,358 |
| Income before extraordinary items | $-62,000 | 6,698 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-62,000 | 6,699 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-62,000 | 6,699 |
| Net charge-offs | $-17,000 | 7,962 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-62,640 | 6,599 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,490,000 | 7,688 |
| Total interest expense | $568,000 | 7,554 |
| Net interest income | $922,000 | 7,681 |
| Provision for loan and lease losses | $123,000 | 5,784 |
| Total noninterest income | $165,000 | 6,752 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $130,000 | 5,544 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $35,000 | 7,078 |
| Total noninterest expense | $1,107,000 | 7,400 |
| Salaries and employee benefits | $363,000 | 7,963 |
| Premises and equipment expense | $126,000 | 7,376 |
| Additional noninterest expense | $618,000 | 6,162 |
| Pre-tax net operating income | $-143,000 | 6,498 |
| Securities gains (losses) | $50,000 | 1,600 |
| Applicable income taxes | $-21,000 | 6,851 |
| Income before extraordinary items | $-72,000 | 6,325 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-72,000 | 6,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,793 |
| Cash dividends | $625,000 | 3,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-110,500 | 6,519 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,154,000 | 7,734 |
| Total interest expense | $419,000 | 7,682 |
| Net interest income | $735,000 | 7,680 |
| Provision for loan and lease losses | $53,000 | 5,847 |
| Total noninterest income | $122,000 | 6,885 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $97,000 | 5,586 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $25,000 | 7,272 |
| Total noninterest expense | $842,000 | 7,391 |
| Salaries and employee benefits | $276,000 | 7,999 |
| Premises and equipment expense | $96,000 | 7,399 |
| Additional noninterest expense | $470,000 | 6,079 |
| Pre-tax net operating income | $-38,000 | 6,819 |
| Securities gains (losses) | $50,000 | 1,422 |
| Applicable income taxes | $7,000 | 4,953 |
| Income before extraordinary items | $5,000 | 6,579 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $5,000 | 6,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,047 |
| Cash dividends | $125,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-27,000 | 6,831 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $793,000 | 7,776 |
| Total interest expense | $276,000 | 7,787 |
| Net interest income | $517,000 | 7,656 |
| Provision for loan and lease losses | $52,000 | 5,140 |
| Total noninterest income | $78,000 | 6,990 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $63,000 | 5,622 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $15,000 | 7,431 |
| Total noninterest expense | $543,000 | 7,506 |
| Salaries and employee benefits | $181,000 | 8,070 |
| Premises and equipment expense | $63,000 | 7,456 |
| Additional noninterest expense | $299,000 | 6,193 |
| Pre-tax net operating income | $0 | 6,933 |
| Securities gains (losses) | $45,000 | 1,513 |
| Applicable income taxes | $18,000 | 4,723 |
| Income before extraordinary items | $27,000 | 6,834 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $27,000 | 6,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,062 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,800 | 6,978 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $432,000 | 7,754 |
| Total interest expense | $134,000 | 7,905 |
| Net interest income | $298,000 | 7,507 |
| Provision for loan and lease losses | $52,000 | 3,746 |
| Total noninterest income | $40,000 | 6,960 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $31,000 | 5,641 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $9,000 | 7,309 |
| Total noninterest expense | $249,000 | 7,652 |
| Salaries and employee benefits | $73,000 | 8,241 |
| Premises and equipment expense | $29,000 | 7,567 |
| Additional noninterest expense | $147,000 | 6,223 |
| Pre-tax net operating income | $37,000 | 6,764 |
| Securities gains (losses) | $43,000 | 1,162 |
| Applicable income taxes | $30,000 | 4,050 |
| Income before extraordinary items | $50,000 | 6,581 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $50,000 | 6,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,097 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $22,480 | 6,899 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,081,000 | 7,506 |
| Total interest expense | $749,000 | 7,572 |
| Net interest income | $1,332,000 | 7,338 |
| Provision for loan and lease losses | $-138,000 | 8,408 |
| Total noninterest income | $147,000 | 7,158 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $147,000 | 5,461 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $0 | 8,329 |
| Total noninterest expense | $1,213,000 | 7,344 |
| Salaries and employee benefits | $502,000 | 7,800 |
| Premises and equipment expense | $120,000 | 7,549 |
| Additional noninterest expense | $591,000 | 6,155 |
| Pre-tax net operating income | $404,000 | 6,262 |
| Securities gains (losses) | $-2,000 | 7,197 |
| Applicable income taxes | $148,000 | 4,149 |
| Income before extraordinary items | $254,000 | 6,592 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $254,000 | 6,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-122,000 | 8,407 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $255,280 | 6,569 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,590,000 | 7,509 |
| Total interest expense | $580,000 | 7,584 |
| Net interest income | $1,010,000 | 7,371 |
| Provision for loan and lease losses | $-138,000 | 8,451 |
| Total noninterest income | $115,000 | 7,150 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $113,000 | 5,433 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,000 | 8,302 |
| Total noninterest expense | $929,000 | 7,283 |
| Salaries and employee benefits | $387,000 | 7,739 |
| Premises and equipment expense | $92,000 | 7,506 |
| Additional noninterest expense | $450,000 | 6,111 |
| Pre-tax net operating income | $334,000 | 6,431 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $108,000 | 4,370 |
| Income before extraordinary items | $226,000 | 6,675 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $226,000 | 6,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-99,000 | 8,375 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $226,000 | 6,662 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,072,000 | 7,540 |
| Total interest expense | $395,000 | 7,582 |
| Net interest income | $677,000 | 7,418 |
| Provision for loan and lease losses | $-93,000 | 8,468 |
| Total noninterest income | $70,000 | 7,304 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $74,000 | 5,482 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-4,000 | 8,554 |
| Total noninterest expense | $632,000 | 7,287 |
| Salaries and employee benefits | $260,000 | 7,782 |
| Premises and equipment expense | $64,000 | 7,478 |
| Additional noninterest expense | $308,000 | 6,048 |
| Pre-tax net operating income | $208,000 | 6,589 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $64,000 | 4,549 |
| Income before extraordinary items | $144,000 | 6,797 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $144,000 | 6,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,364 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $144,000 | 6,779 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $536,000 | 7,568 |
| Total interest expense | $198,000 | 7,603 |
| Net interest income | $338,000 | 7,459 |
| Provision for loan and lease losses | $-44,000 | 8,502 |
| Total noninterest income | $48,000 | 6,883 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $36,000 | 5,497 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $329,000 | 7,250 |
| Salaries and employee benefits | $139,000 | 7,733 |
| Premises and equipment expense | $35,000 | 7,389 |
| Additional noninterest expense | $155,000 | 6,036 |
| Pre-tax net operating income | $101,000 | 6,650 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $31,000 | 4,589 |
| Income before extraordinary items | $70,000 | 6,861 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $70,000 | 6,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,348 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $70,000 | 6,844 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,185,000 | 7,398 |
| Total interest expense | $884,000 | 7,150 |
| Net interest income | $1,301,000 | 7,443 |
| Provision for loan and lease losses | $-48,000 | 8,391 |
| Total noninterest income | $444,000 | 5,387 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $139,000 | 5,653 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $305,000 | 4,262 |
| Total noninterest expense | $1,502,000 | 6,896 |
| Salaries and employee benefits | $665,000 | 7,386 |
| Premises and equipment expense | $161,000 | 7,124 |
| Additional noninterest expense | $676,000 | 5,739 |
| Pre-tax net operating income | $291,000 | 7,136 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $123,000 | 4,791 |
| Income before extraordinary items | $168,000 | 7,411 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $168,000 | 7,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-171,000 | 8,563 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $318,000 | 674 |
| Net operating income | $168,000 | 7,403 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 7,403 |
| Total interest expense | $677,000 | 7,118 |
| Net interest income | $990,000 | 7,488 |
| Provision for loan and lease losses | $-79,000 | 8,557 |
| Total noninterest income | $141,000 | 7,069 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $101,000 | 5,777 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $40,000 | 7,204 |
| Total noninterest expense | $1,076,000 | 7,014 |
| Salaries and employee benefits | $517,000 | 7,296 |
| Premises and equipment expense | $95,000 | 7,532 |
| Additional noninterest expense | $464,000 | 5,981 |
| Pre-tax net operating income | $134,000 | 7,697 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $34,000 | 5,676 |
| Income before extraordinary items | $100,000 | 7,725 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $100,000 | 7,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-138,000 | 8,583 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $100,000 | 7,724 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 7,403 |
| Total interest expense | $431,000 | 7,162 |
| Net interest income | $689,000 | 7,454 |
| Provision for loan and lease losses | $-1,000 | 8,460 |
| Total noninterest income | $97,000 | 7,041 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 5,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $29,000 | 7,165 |
| Total noninterest expense | $731,000 | 7,007 |
| Salaries and employee benefits | $349,000 | 7,311 |
| Premises and equipment expense | $65,000 | 7,515 |
| Additional noninterest expense | $317,000 | 5,902 |
| Pre-tax net operating income | $56,000 | 7,923 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $11,000 | 6,097 |
| Income before extraordinary items | $45,000 | 7,940 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $45,000 | 7,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 8,547 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $45,000 | 7,945 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 7,482 |
| Total interest expense | $188,000 | 7,340 |
| Net interest income | $346,000 | 7,464 |
| Provision for loan and lease losses | $-1,000 | 8,498 |
| Total noninterest income | $45,000 | 7,115 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $33,000 | 5,757 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $379,000 | 6,907 |
| Salaries and employee benefits | $179,000 | 7,271 |
| Premises and equipment expense | $32,000 | 7,546 |
| Additional noninterest expense | $168,000 | 5,721 |
| Pre-tax net operating income | $13,000 | 8,098 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $12,000 | 8,087 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,315 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $12,000 | 8,080 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,609,000 | 7,791 |
| Total interest expense | $492,000 | 7,642 |
| Net interest income | $1,117,000 | 7,789 |
| Provision for loan and lease losses | $529,000 | 1,811 |
| Total noninterest income | $204,000 | 7,035 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $135,000 | 5,814 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $69,000 | 6,972 |
| Total noninterest expense | $1,439,000 | 6,997 |
| Salaries and employee benefits | $636,000 | 7,495 |
| Premises and equipment expense | $144,000 | 7,345 |
| Additional noninterest expense | $659,000 | 5,767 |
| Pre-tax net operating income | $-647,000 | 8,547 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-647,000 | 8,591 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-647,000 | 8,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $887,000 | 747 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,623,000 | 423 |
| Net operating income | $-647,000 | 8,573 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,161,000 | 7,871 |
| Total interest expense | $325,000 | 7,785 |
| Net interest income | $836,000 | 7,836 |
| Provision for loan and lease losses | $529,000 | 1,337 |
| Total noninterest income | $138,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $95,000 | 5,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $43,000 | 7,245 |
| Total noninterest expense | $1,142,000 | 6,850 |
| Salaries and employee benefits | $452,000 | 7,583 |
| Premises and equipment expense | $88,000 | 7,674 |
| Additional noninterest expense | $602,000 | 5,111 |
| Pre-tax net operating income | $-697,000 | 8,661 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-697,000 | 8,694 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-697,000 | 8,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $920,000 | 530 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $1,623,000 | 313 |
| Net operating income | $-697,000 | 8,674 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $734,000 | 7,949 |
| Total interest expense | $191,000 | 7,884 |
| Net interest income | $543,000 | 7,886 |
| Provision for loan and lease losses | $530,000 | 933 |
| Total noninterest income | $85,000 | 7,319 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $62,000 | 5,950 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $23,000 | 7,491 |
| Total noninterest expense | $892,000 | 6,421 |
| Salaries and employee benefits | $302,000 | 7,595 |
| Premises and equipment expense | $59,000 | 7,657 |
| Additional noninterest expense | $531,000 | 4,167 |
| Pre-tax net operating income | $-794,000 | 8,747 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-794,000 | 8,771 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-794,000 | 8,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $976,000 | 372 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $1,623,000 | 211 |
| Net operating income | $-794,000 | 8,747 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $332,000 | 8,142 |
| Total interest expense | $79,000 | 8,133 |
| Net interest income | $253,000 | 8,052 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $37,000 | 7,531 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 8,110 |
| Total noninterest expense | $343,000 | 7,145 |
| Salaries and employee benefits | $138,000 | 7,801 |
| Premises and equipment expense | $30,000 | 7,706 |
| Additional noninterest expense | $175,000 | 5,506 |
| Pre-tax net operating income | $-83,000 | 8,626 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-83,000 | 8,644 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-83,000 | 8,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 693 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $560,000 | 150 |
| Net operating income | $-83,000 | 8,619 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,336,000 | 8,066 |
| Total interest expense | $327,000 | 7,967 |
| Net interest income | $1,009,000 | 8,001 |
| Provision for loan and lease losses | $720,000 | 1,420 |
| Total noninterest income | $203,000 | 7,130 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $170,000 | 5,553 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $33,000 | 7,887 |
| Total noninterest expense | $1,072,000 | 7,668 |
| Salaries and employee benefits | $543,000 | 7,856 |
| Premises and equipment expense | $123,000 | 7,672 |
| Additional noninterest expense | $406,000 | 7,086 |
| Pre-tax net operating income | $-580,000 | 8,689 |
| Securities gains (losses) | $70,000 | 1,492 |
| Applicable income taxes | $-140,000 | 8,776 |
| Income before extraordinary items | $-370,000 | 8,656 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-370,000 | 8,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 1,911 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-421,100 | 8,654 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,015,000 | 8,092 |
| Total interest expense | $242,000 | 8,027 |
| Net interest income | $773,000 | 8,006 |
| Provision for loan and lease losses | $165,000 | 3,371 |
| Total noninterest income | $152,000 | 7,166 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $130,000 | 5,557 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 7,981 |
| Total noninterest expense | $825,000 | 7,598 |
| Salaries and employee benefits | $408,000 | 7,813 |
| Premises and equipment expense | $95,000 | 7,622 |
| Additional noninterest expense | $322,000 | 6,923 |
| Pre-tax net operating income | $-65,000 | 8,570 |
| Securities gains (losses) | $64,000 | 1,472 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-1,000 | 8,505 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,000 | 8,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 1,527 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-65,000 | 8,564 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $687,000 | 8,129 |
| Total interest expense | $160,000 | 8,104 |
| Net interest income | $527,000 | 8,022 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $105,000 | 7,137 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $85,000 | 5,604 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $20,000 | 7,733 |
| Total noninterest expense | $534,000 | 7,690 |
| Salaries and employee benefits | $278,000 | 7,832 |
| Premises and equipment expense | $61,000 | 7,711 |
| Additional noninterest expense | $195,000 | 7,187 |
| Pre-tax net operating income | $-27,000 | 8,595 |
| Securities gains (losses) | $64,000 | 1,301 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $37,000 | 8,339 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $37,000 | 8,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 1,694 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-27,000 | 8,596 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $354,000 | 8,109 |
| Total interest expense | $81,000 | 8,145 |
| Net interest income | $273,000 | 8,004 |
| Provision for loan and lease losses | $65,000 | 2,836 |
| Total noninterest income | $52,000 | 7,147 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $42,000 | 5,572 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $265,000 | 7,757 |
| Salaries and employee benefits | $131,000 | 7,969 |
| Premises and equipment expense | $31,000 | 7,720 |
| Additional noninterest expense | $103,000 | 7,078 |
| Pre-tax net operating income | $-5,000 | 8,584 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-5,000 | 8,626 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-5,000 | 8,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,181 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-5,000 | 8,570 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,688,000 | 7,874 |
| Total interest expense | $463,000 | 7,881 |
| Net interest income | $1,225,000 | 7,772 |
| Provision for loan and lease losses | $406,000 | 2,560 |
| Total noninterest income | $170,000 | 7,611 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $187,000 | 5,413 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-17,000 | 9,132 |
| Total noninterest expense | $1,078,000 | 7,716 |
| Salaries and employee benefits | $547,000 | 7,909 |
| Premises and equipment expense | $116,000 | 7,857 |
| Additional noninterest expense | $415,000 | 7,063 |
| Pre-tax net operating income | $-89,000 | 8,634 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-12,000 | 8,775 |
| Income before extraordinary items | $-77,000 | 8,705 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-77,000 | 8,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $562,000 | 1,467 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-77,000 | 8,635 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,302,000 | 7,928 |
| Total interest expense | $369,000 | 7,918 |
| Net interest income | $933,000 | 7,807 |
| Provision for loan and lease losses | $361,000 | 2,183 |
| Total noninterest income | $117,000 | 7,810 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $148,000 | 5,338 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-31,000 | 9,206 |
| Total noninterest expense | $783,000 | 7,777 |
| Salaries and employee benefits | $414,000 | 7,866 |
| Premises and equipment expense | $85,000 | 7,908 |
| Additional noninterest expense | $284,000 | 7,284 |
| Pre-tax net operating income | $-94,000 | 8,753 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $13,000 | 6,978 |
| Income before extraordinary items | $-107,000 | 8,840 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-107,000 | 8,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $497,000 | 1,168 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-107,000 | 8,770 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $895,000 | 7,922 |
| Total interest expense | $259,000 | 7,937 |
| Net interest income | $636,000 | 7,778 |
| Provision for loan and lease losses | $256,000 | 2,085 |
| Total noninterest income | $84,000 | 7,692 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $106,000 | 5,131 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-22,000 | 9,235 |
| Total noninterest expense | $516,000 | 7,827 |
| Salaries and employee benefits | $283,000 | 7,832 |
| Premises and equipment expense | $56,000 | 7,921 |
| Additional noninterest expense | $177,000 | 7,437 |
| Pre-tax net operating income | $-52,000 | 8,772 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $14,000 | 6,809 |
| Income before extraordinary items | $-66,000 | 8,878 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-66,000 | 8,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,041 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-66,000 | 8,784 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $433,000 | 8,040 |
| Total interest expense | $133,000 | 7,992 |
| Net interest income | $300,000 | 7,927 |
| Provision for loan and lease losses | $66,000 | 3,125 |
| Total noninterest income | $75,000 | 6,577 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $56,000 | 4,926 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $19,000 | 7,007 |
| Total noninterest expense | $252,000 | 7,911 |
| Salaries and employee benefits | $138,000 | 7,922 |
| Premises and equipment expense | $31,000 | 7,807 |
| Additional noninterest expense | $83,000 | 7,586 |
| Pre-tax net operating income | $57,000 | 7,887 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $57,000 | 7,745 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $57,000 | 7,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 806 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $57,000 | 7,600 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,003,000 | 7,846 |
| Total interest expense | $587,000 | 8,141 |
| Net interest income | $1,416,000 | 7,567 |
| Provision for loan and lease losses | $2,765,000 | 580 |
| Total noninterest income | $216,000 | 7,152 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $219,000 | 5,009 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-3,000 | 9,275 |
| Total noninterest expense | $1,093,000 | 7,727 |
| Salaries and employee benefits | $586,000 | 7,758 |
| Premises and equipment expense | $129,000 | 7,748 |
| Additional noninterest expense | $378,000 | 7,300 |
| Pre-tax net operating income | $-2,226,000 | 9,258 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $-715,000 | 9,276 |
| Income before extraordinary items | $-1,510,000 | 9,249 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,510,000 | 9,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,282,000 | 526 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,510,680 | 9,216 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,363,000 | 7,887 |
| Total interest expense | $864,000 | 8,297 |
| Net interest income | $1,499,000 | 7,330 |
| Provision for loan and lease losses | $340,000 | 2,959 |
| Total noninterest income | $249,000 | 6,875 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $212,000 | 5,028 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $37,000 | 8,124 |
| Total noninterest expense | $986,000 | 7,998 |
| Salaries and employee benefits | $541,000 | 7,970 |
| Premises and equipment expense | $108,000 | 8,182 |
| Additional noninterest expense | $337,000 | 7,598 |
| Pre-tax net operating income | $422,000 | 6,876 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $119,000 | 5,780 |
| Income before extraordinary items | $303,000 | 7,119 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $303,000 | 7,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,445 |
| Cash dividends | $130,000 | 5,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $303,000 | 7,003 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,130,000 | 8,279 |
| Total interest expense | $726,000 | 8,801 |
| Net interest income | $1,404,000 | 7,635 |
| Provision for loan and lease losses | $319,000 | 2,720 |
| Total noninterest income | $246,000 | 6,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,328 |
| Total noninterest expense | $953,000 | 8,149 |
| Salaries and employee benefits | $508,000 | 8,202 |
| Premises and equipment expense | $92,000 | 8,578 |
| Additional noninterest expense | $353,000 | 7,534 |
| Pre-tax net operating income | $378,000 | 7,564 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $107,000 | 6,431 |
| Income before extraordinary items | $271,000 | 7,647 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $271,000 | 7,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,169 |
| Cash dividends | $150,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $271,000 | 7,652 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,854,000 | 8,661 |
| Total interest expense | $588,000 | 9,244 |
| Net interest income | $1,266,000 | 8,067 |
| Provision for loan and lease losses | $108,000 | 5,075 |
| Total noninterest income | $208,000 | 7,403 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 5,778 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 7,918 |
| Total noninterest expense | $876,000 | 8,516 |
| Salaries and employee benefits | $476,000 | 8,477 |
| Premises and equipment expense | $101,000 | 8,608 |
| Additional noninterest expense | $299,000 | 8,124 |
| Pre-tax net operating income | $490,000 | 7,180 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $146,000 | 6,331 |
| Income before extraordinary items | $344,000 | 7,328 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $344,000 | 7,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,769 |
| Cash dividends | $130,000 | 5,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $344,000 | 7,297 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 9,123 |
| Total interest expense | $516,000 | 9,662 |
| Net interest income | $1,116,000 | 8,535 |
| Provision for loan and lease losses | $107,000 | 4,980 |
| Total noninterest income | $205,000 | 7,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 5,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,420 |
| Total noninterest expense | $796,000 | 8,783 |
| Salaries and employee benefits | $428,000 | 8,786 |
| Premises and equipment expense | $79,000 | 9,163 |
| Additional noninterest expense | $289,000 | 8,231 |
| Pre-tax net operating income | $418,000 | 7,770 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $120,000 | 7,243 |
| Income before extraordinary items | $298,000 | 7,908 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $298,000 | 7,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,298 |
| Cash dividends | $90,000 | 6,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $298,000 | 7,824 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,460,000 | 9,724 |
| Total interest expense | $456,000 | 10,207 |
| Net interest income | $1,004,000 | 9,175 |
| Provision for loan and lease losses | $91,000 | 5,357 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,073 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $710,000 | 9,368 |
| Salaries and employee benefits | $398,000 | 9,271 |
| Premises and equipment expense | $79,000 | 9,459 |
| Additional noninterest expense | $233,000 | 9,039 |
| Pre-tax net operating income | $387,000 | 8,507 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $112,000 | 8,208 |
| Income before extraordinary items | $275,000 | 8,562 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $275,000 | 8,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,945 |
| Cash dividends | $75,000 | 6,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $275,000 | 8,513 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,336,000 | 10,335 |
| Total interest expense | $417,000 | 10,828 |
| Net interest income | $919,000 | 9,788 |
| Provision for loan and lease losses | $61,000 | 6,063 |
| Total noninterest income | $162,000 | 8,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 6,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $656,000 | 9,969 |
| Salaries and employee benefits | $364,000 | 9,862 |
| Premises and equipment expense | $69,000 | 10,108 |
| Additional noninterest expense | $223,000 | 9,673 |
| Pre-tax net operating income | $364,000 | 8,726 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $102,000 | 8,721 |
| Income before extraordinary items | $262,000 | 8,734 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $262,000 | 8,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,803 |
| Cash dividends | $45,000 | 7,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $262,000 | 8,669 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,231,000 | 10,943 |
| Total interest expense | $400,000 | 11,326 |
| Net interest income | $831,000 | 10,443 |
| Provision for loan and lease losses | $61,000 | 5,684 |
| Total noninterest income | $165,000 | 9,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,452 |
| Total noninterest expense | $595,000 | 10,586 |
| Salaries and employee benefits | $329,000 | 10,509 |
| Premises and equipment expense | $67,000 | 10,564 |
| Additional noninterest expense | $199,000 | 10,425 |
| Pre-tax net operating income | $340,000 | 9,461 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $93,000 | 9,312 |
| Income before extraordinary items | $247,000 | 9,438 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $247,000 | 9,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,457 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $247,000 | 9,421 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,089,000 | 11,545 |
| Total interest expense | $298,000 | 12,046 |
| Net interest income | $791,000 | 11,084 |
| Provision for loan and lease losses | $61,000 | 5,573 |
| Total noninterest income | $141,000 | 9,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 11,420 |
| Total noninterest expense | $583,000 | 11,212 |
| Salaries and employee benefits | $314,000 | 11,073 |
| Premises and equipment expense | $74,000 | 10,838 |
| Additional noninterest expense | $195,000 | 11,210 |
| Pre-tax net operating income | $288,000 | 10,214 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $70,000 | 10,019 |
| Income before extraordinary items | $218,000 | 10,055 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $218,000 | 10,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $40,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $218,000 | 10,119 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,077,000 | 12,123 |
| Total interest expense | $320,000 | 12,588 |
| Net interest income | $757,000 | 11,675 |
| Provision for loan and lease losses | $61,000 | 6,929 |
| Total noninterest income | $142,000 | 10,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 12,543 |
| Total noninterest expense | $562,000 | 11,844 |
| Salaries and employee benefits | $303,000 | 11,615 |
| Premises and equipment expense | $64,000 | 11,705 |
| Additional noninterest expense | $195,000 | 11,806 |
| Pre-tax net operating income | $276,000 | 10,426 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $69,000 | 10,505 |
| Income before extraordinary items | $207,000 | 10,560 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $207,000 | 10,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,983 |
| Cash dividends | $35,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $207,000 | 10,339 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,140,000 | 12,741 |
| Total interest expense | $393,000 | 13,204 |
| Net interest income | $747,000 | 12,126 |
| Provision for loan and lease losses | $61,000 | 8,508 |
| Total noninterest income | $154,000 | 10,423 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 11,929 |
| Total noninterest expense | $563,000 | 12,288 |
| Salaries and employee benefits | $297,000 | 12,045 |
| Premises and equipment expense | $68,000 | 11,957 |
| Additional noninterest expense | $198,000 | 12,265 |
| Pre-tax net operating income | $277,000 | 10,360 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $67,000 | 10,800 |
| Income before extraordinary items | $210,000 | 10,468 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $210,000 | 10,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 7,730 |
| Cash dividends | $29,000 | 8,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $210,000 | 10,112 |
* 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.