Home > Peoples State Bank > Income and Expense

Peoples State Bank, Income and Expense

2011-09-30 (YTD Data)		Rank
Total interest income	$2,112,000	5,934
Total interest expense	$308,000	6,280
Net interest income	$1,804,000	5,781
Provision for loan and lease losses	$0	6,393
Total noninterest income	$702,000	3,251
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$122,000	4,762
Trading account gains and fees	$0	145
Additional Noninterest Income	$580,000	2,472
Total noninterest expense	$1,115,000	6,368
Salaries and employee benefits	$710,000	5,986
Premises and equipment expense	$67,000	6,937
Additional noninterest expense	$338,000	6,461
Pre-tax net operating income	$1,391,000	2,717
Securities gains (losses)	$0	3,555
Applicable income taxes	$80,000	3,369
Income before extraordinary items	$1,311,000	2,566
Extraordinary gains, net	$0	21
Net income	$1,311,000	2,568
Minority interest net income	$0	87
Net income of bank and minority interests.	$1,311,000	2,568
Net charge-offs	$-10,000	7,005
Cash dividends	$650,000	1,538
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$1,311,000	2,464
2011-06-30 (YTD Data)		Rank
Total interest income	$1,408,000	5,985
Total interest expense	$212,000	6,340
Net interest income	$1,196,000	5,825
Provision for loan and lease losses	$0	6,217
Total noninterest income	$609,000	2,777
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$79,000	4,805
Trading account gains and fees	$0	153
Additional Noninterest Income	$530,000	2,020
Total noninterest expense	$728,000	6,454
Salaries and employee benefits	$478,000	6,018
Premises and equipment expense	$46,000	6,993
Additional noninterest expense	$204,000	6,649
Pre-tax net operating income	$1,077,000	2,418
Securities gains (losses)	$0	2,914
Applicable income taxes	$60,000	3,238
Income before extraordinary items	$1,017,000	2,238
Extraordinary gains, net	$0	15
Net income	$1,017,000	2,238
Minority interest net income	$0	89
Net income of bank and minority interests.	$1,017,000	2,238
Net charge-offs	$-12,000	7,059
Cash dividends	$300,000	1,910
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$1,017,000	2,164
2011-03-31 (YTD Data)		Rank
Total interest income	$691,000	6,052
Total interest expense	$108,000	6,405
Net interest income	$583,000	5,892
Provision for loan and lease losses	$0	5,840
Total noninterest income	$518,000	1,934
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$36,000	4,928
Trading account gains and fees	$0	158
Additional Noninterest Income	$482,000	1,380
Total noninterest expense	$361,000	6,522
Salaries and employee benefits	$242,000	6,039
Premises and equipment expense	$21,000	7,090
Additional noninterest expense	$98,000	6,739
Pre-tax net operating income	$740,000	1,892
Securities gains (losses)	$0	1,772
Applicable income taxes	$38,000	3,035
Income before extraordinary items	$702,000	1,677
Extraordinary gains, net	$0	9
Net income	$702,000	1,677
Minority interest net income	$0	86
Net income of bank and minority interests.	$702,000	1,677
Net charge-offs	$-10,000	6,997
Cash dividends	$150,000	1,610
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$702,000	1,628
2010-12-31 (YTD Data)		Rank
Total interest income	$2,998,000	6,034
Total interest expense	$530,000	6,443
Net interest income	$2,468,000	5,788
Provision for loan and lease losses	$50,000	6,473
Total noninterest income	$375,000	5,060
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$172,000	4,681
Trading account gains and fees	$0	175
Additional Noninterest Income	$203,000	4,570
Total noninterest expense	$1,840,000	6,167
Salaries and employee benefits	$923,000	6,176
Premises and equipment expense	$72,000	7,299
Additional noninterest expense	$845,000	5,494
Pre-tax net operating income	$953,000	3,462
Securities gains (losses)	$0	3,793
Applicable income taxes	$39,000	3,750
Income before extraordinary items	$914,000	3,380
Extraordinary gains, net	$0	29
Net income	$914,000	3,377
Minority interest net income	$0	111
Net income of bank and minority interests.	$914,000	3,380
Net charge-offs	$21,000	6,360
Cash dividends	$200,000	3,268
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$914,000	3,259
2010-09-30 (YTD Data)		Rank
Total interest income	$2,256,000	6,133
Total interest expense	$407,000	6,549
Net interest income	$1,849,000	5,874
Provision for loan and lease losses	$50,000	6,224
Total noninterest income	$228,000	5,465
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$134,000	4,695
Trading account gains and fees	$0	165
Additional Noninterest Income	$94,000	5,286
Total noninterest expense	$1,378,000	6,222
Salaries and employee benefits	$677,000	6,268
Premises and equipment expense	$52,000	7,400
Additional noninterest expense	$649,000	5,454
Pre-tax net operating income	$649,000	3,845
Securities gains (losses)	$0	3,651
Applicable income taxes	$28,000	3,848
Income before extraordinary items	$621,000	3,716
Extraordinary gains, net	$0	23
Net income	$621,000	3,716
Minority interest net income	$0	110
Net income of bank and minority interests.	$621,000	3,717
Net charge-offs	$21,000	6,000
Cash dividends	$60,000	3,391
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$621,000	3,577
2010-06-30 (YTD Data)		Rank
Total interest income	$1,500,000	6,189
Total interest expense	$274,000	6,624
Net interest income	$1,226,000	5,910
Provision for loan and lease losses	$50,000	5,837
Total noninterest income	$152,000	5,463
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$89,000	4,690
Trading account gains and fees	$0	152
Additional Noninterest Income	$63,000	5,311
Total noninterest expense	$932,000	6,230
Salaries and employee benefits	$452,000	6,305
Premises and equipment expense	$36,000	7,436
Additional noninterest expense	$444,000	5,404
Pre-tax net operating income	$396,000	4,012
Securities gains (losses)	$0	3,184
Applicable income taxes	$15,000	3,923
Income before extraordinary items	$381,000	3,864
Extraordinary gains, net	$0	19
Net income	$381,000	3,862
Minority interest net income	$0	105
Net income of bank and minority interests.	$381,000	3,863
Net charge-offs	$-7,000	7,413
Cash dividends	$60,000	3,096
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$381,000	3,752
2010-03-31 (YTD Data)		Rank
Total interest income	$738,000	6,304
Total interest expense	$138,000	6,743
Net interest income	$600,000	6,002
Provision for loan and lease losses	$0	6,552
Total noninterest income	$76,000	5,507
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$43,000	4,750
Trading account gains and fees	$0	175
Additional Noninterest Income	$33,000	5,318
Total noninterest expense	$491,000	6,199
Salaries and employee benefits	$226,000	6,393
Premises and equipment expense	$18,000	7,509
Additional noninterest expense	$247,000	5,151
Pre-tax net operating income	$185,000	4,220
Securities gains (losses)	$0	2,284
Applicable income taxes	$6,000	4,021
Income before extraordinary items	$179,000	4,078
Extraordinary gains, net	$0	16
Net income	$179,000	4,077
Minority interest net income	$0	91
Net income of bank and minority interests.	$179,000	4,077
Net charge-offs	$-6,000	7,353
Cash dividends	$60,000	2,182
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$179,000	3,972
2009-12-31 (YTD Data)		Rank
Total interest income	$3,191,000	6,226
Total interest expense	$753,000	6,577
Net interest income	$2,438,000	5,893
Provision for loan and lease losses	$980,000	3,539
Total noninterest income	$361,000	5,307
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$177,000	4,856
Trading account gains and fees	$0	211
Additional Noninterest Income	$184,000	4,781
Total noninterest expense	$2,510,000	5,672
Salaries and employee benefits	$888,000	6,490
Premises and equipment expense	$80,000	7,548
Additional noninterest expense	$1,542,000	4,001
Pre-tax net operating income	$-691,000	6,104
Securities gains (losses)	$0	3,754
Applicable income taxes	$-23,000	6,337
Income before extraordinary items	$-668,000	6,175
Extraordinary gains, net	$0	34
Net income	$-668,000	6,174
Minority interest net income	$0	115
Net income of bank and minority interests.	$-668,000	6,174
Net charge-offs	$1,099,000	2,751
Cash dividends	$300,000	3,192
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-668,000	6,178
2009-09-30 (YTD Data)		Rank
Total interest income	$2,374,000	6,312
Total interest expense	$600,000	6,608
Net interest income	$1,774,000	5,991
Provision for loan and lease losses	$880,000	2,968
Total noninterest income	$220,000	5,715
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$129,000	4,942
Trading account gains and fees	$0	212
Additional Noninterest Income	$91,000	5,517
Total noninterest expense	$2,021,000	5,488
Salaries and employee benefits	$674,000	6,483
Premises and equipment expense	$59,000	7,626
Additional noninterest expense	$1,288,000	3,685
Pre-tax net operating income	$-907,000	6,609
Securities gains (losses)	$0	3,497
Applicable income taxes	$0	4,592
Income before extraordinary items	$-907,000	6,700
Extraordinary gains, net	$0	27
Net income	$-907,000	6,701
Minority interest net income	$0	118
Net income of bank and minority interests.	$-907,000	6,701
Net charge-offs	$919,000	2,288
Cash dividends	$300,000	2,611
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-907,000	6,695
2009-06-30 (YTD Data)		Rank
Total interest income	$1,571,000	6,378
Total interest expense	$422,000	6,608
Net interest income	$1,149,000	6,066
Provision for loan and lease losses	$500,000	2,961
Total noninterest income	$145,000	5,773
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$86,000	4,941
Trading account gains and fees	$0	193
Additional Noninterest Income	$59,000	5,605
Total noninterest expense	$1,719,000	4,827
Salaries and employee benefits	$453,000	6,554
Premises and equipment expense	$41,000	7,675
Additional noninterest expense	$1,225,000	2,765
Pre-tax net operating income	$-925,000	6,975
Securities gains (losses)	$0	3,136
Applicable income taxes	$0	4,657
Income before extraordinary items	$-925,000	7,117
Extraordinary gains, net	$0	21
Net income	$-925,000	7,117
Minority interest net income	$0	112
Net income of bank and minority interests.	$-925,000	7,117
Net charge-offs	$684,000	2,002
Cash dividends	$300,000	2,182
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-925,000	7,094
2009-03-31 (YTD Data)		Rank
Total interest income	$815,000	6,357
Total interest expense	$220,000	6,641
Net interest income	$595,000	6,002
Provision for loan and lease losses	$300,000	2,285
Total noninterest income	$69,000	5,846
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$39,000	5,065
Trading account gains and fees	$0	171
Additional Noninterest Income	$30,000	5,617
Total noninterest expense	$358,000	6,951
Salaries and employee benefits	$230,000	6,576
Premises and equipment expense	$21,000	7,693
Additional noninterest expense	$107,000	6,982
Pre-tax net operating income	$6,000	6,164
Securities gains (losses)	$0	2,434
Applicable income taxes	$1,000	4,679
Income before extraordinary items	$5,000	6,343
Extraordinary gains, net	$0	15
Net income	$5,000	6,345
Minority interest net income	$0	102
Net income of bank and minority interests.	$5,000	6,345
Net charge-offs	$348,000	1,655
Cash dividends	$200,000	1,688
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$5,000	6,198
2008-12-31 (YTD Data)		Rank
Total interest income	$3,911,000	6,053
Total interest expense	$1,299,000	6,269
Net interest income	$2,612,000	5,796
Provision for loan and lease losses	$800,000	3,046
Total noninterest income	$336,000	5,638
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$160,000	5,191
Trading account gains and fees	$0	154
Additional Noninterest Income	$176,000	5,052
Total noninterest expense	$1,456,000	6,929
Salaries and employee benefits	$929,000	6,586
Premises and equipment expense	$91,000	7,705
Additional noninterest expense	$436,000	6,901
Pre-tax net operating income	$692,000	4,415
Securities gains (losses)	$0	3,220
Applicable income taxes	$31,000	4,100
Income before extraordinary items	$661,000	4,016
Extraordinary gains, net	$0	39
Net income	$661,000	4,017
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$892,000	2,090
Cash dividends	$1,200,000	2,027
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$661,000	4,175
2008-09-30 (YTD Data)		Rank
Total interest income	$3,022,000	6,067
Total interest expense	$1,021,000	6,282
Net interest income	$2,001,000	5,793
Provision for loan and lease losses	$500,000	2,723
Total noninterest income	$197,000	6,135
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$113,000	5,343
Trading account gains and fees	$0	148
Additional Noninterest Income	$84,000	5,892
Total noninterest expense	$1,120,000	6,879
Salaries and employee benefits	$716,000	6,541
Premises and equipment expense	$69,000	7,742
Additional noninterest expense	$335,000	6,840
Pre-tax net operating income	$578,000	4,704
Securities gains (losses)	$0	3,106
Applicable income taxes	$24,000	4,520
Income before extraordinary items	$554,000	4,245
Extraordinary gains, net	$0	31
Net income	$554,000	4,243
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$823,000	1,466
Cash dividends	$900,000	1,947
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$554,000	4,401
2008-06-30 (YTD Data)		Rank
Total interest income	$2,138,000	5,995
Total interest expense	$717,000	6,305
Net interest income	$1,421,000	5,611
Provision for loan and lease losses	$200,000	3,141
Total noninterest income	$132,000	6,204
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$76,000	5,344
Trading account gains and fees	$0	149
Additional Noninterest Income	$56,000	5,955
Total noninterest expense	$742,000	6,945
Salaries and employee benefits	$487,000	6,555
Premises and equipment expense	$50,000	7,710
Additional noninterest expense	$205,000	7,018
Pre-tax net operating income	$611,000	3,979
Securities gains (losses)	$0	3,233
Applicable income taxes	$50,000	4,059
Income before extraordinary items	$561,000	3,775
Extraordinary gains, net	$0	21
Net income	$561,000	3,776
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$348,000	1,648
Cash dividends	$600,000	2,026
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$561,000	3,725
2008-03-31 (YTD Data)		Rank
Total interest income	$1,155,000	5,905
Total interest expense	$387,000	6,313
Net interest income	$768,000	5,419
Provision for loan and lease losses	$100,000	2,696
Total noninterest income	$65,000	6,240
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$39,000	5,270
Trading account gains and fees	$0	158
Additional Noninterest Income	$26,000	6,106
Total noninterest expense	$358,000	7,053
Salaries and employee benefits	$246,000	6,558
Premises and equipment expense	$26,000	7,696
Additional noninterest expense	$86,000	7,317
Pre-tax net operating income	$375,000	3,678
Securities gains (losses)	$0	2,688
Applicable income taxes	$31,000	4,027
Income before extraordinary items	$344,000	3,519
Extraordinary gains, net	$0	15
Net income	$344,000	3,522
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$112,000	1,707
Cash dividends	$300,000	1,850
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$344,000	3,415
2007-12-31 (YTD Data)		Rank
Total interest income	$4,456,000	6,003
Total interest expense	$1,790,000	6,067
Net interest income	$2,666,000	5,804
Provision for loan and lease losses	$175,000	4,119
Total noninterest income	$337,000	5,819
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$169,000	5,214
Trading account gains and fees	$0	178
Additional Noninterest Income	$168,000	5,384
Total noninterest expense	$1,297,000	7,217
Salaries and employee benefits	$927,000	6,615
Premises and equipment expense	$92,000	7,832
Additional noninterest expense	$278,000	7,648
Pre-tax net operating income	$1,531,000	3,869
Securities gains (losses)	$0	2,146
Applicable income taxes	$65,000	4,781
Income before extraordinary items	$1,466,000	3,497
Extraordinary gains, net	$0	39
Net income	$1,466,000	3,496
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	3,649
Cash dividends	$3,200,000	1,124
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$1,466,000	3,482
2007-09-30 (YTD Data)		Rank
Total interest income	$3,428,000	5,978
Total interest expense	$1,356,000	6,080
Net interest income	$2,072,000	5,741
Provision for loan and lease losses	$0	6,528
Total noninterest income	$209,000	6,212
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$127,000	5,239
Trading account gains and fees	$0	184
Additional Noninterest Income	$82,000	6,115
Total noninterest expense	$952,000	7,233
Salaries and employee benefits	$685,000	6,648
Premises and equipment expense	$69,000	7,817
Additional noninterest expense	$198,000	7,686
Pre-tax net operating income	$1,329,000	3,736
Securities gains (losses)	$0	1,655
Applicable income taxes	$60,000	4,828
Income before extraordinary items	$1,269,000	3,346
Extraordinary gains, net	$0	33
Net income	$1,269,000	3,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-41,000	8,215
Cash dividends	$2,900,000	905
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$1,269,000	3,332
2007-06-30 (YTD Data)		Rank
Total interest income	$2,322,000	5,958
Total interest expense	$900,000	6,102
Net interest income	$1,422,000	5,710
Provision for loan and lease losses	$0	6,209
Total noninterest income	$136,000	6,298
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$83,000	5,287
Trading account gains and fees	$0	168
Additional Noninterest Income	$53,000	6,185
Total noninterest expense	$631,000	7,290
Salaries and employee benefits	$452,000	6,720
Premises and equipment expense	$47,000	7,844
Additional noninterest expense	$132,000	7,728
Pre-tax net operating income	$927,000	3,697
Securities gains (losses)	$0	1,444
Applicable income taxes	$41,000	4,901
Income before extraordinary items	$886,000	3,294
Extraordinary gains, net	$0	29
Net income	$886,000	3,293
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-40,000	8,223
Cash dividends	$2,600,000	716
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$886,000	3,272
2007-03-31 (YTD Data)		Rank
Total interest income	$1,088,000	6,115
Total interest expense	$433,000	6,211
Net interest income	$655,000	5,930
Provision for loan and lease losses	$0	5,779
Total noninterest income	$63,000	6,440
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$38,000	5,408
Trading account gains and fees	$0	195
Additional Noninterest Income	$25,000	6,275
Total noninterest expense	$313,000	7,343
Salaries and employee benefits	$226,000	6,759
Premises and equipment expense	$24,000	7,842
Additional noninterest expense	$63,000	7,812
Pre-tax net operating income	$405,000	3,966
Securities gains (losses)	$0	1,187
Applicable income taxes	$19,000	4,959
Income before extraordinary items	$386,000	3,580
Extraordinary gains, net	$0	22
Net income	$386,000	3,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,509
Cash dividends	$2,300,000	405
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$386,000	3,560
2006-12-31 (YTD Data)		Rank
Total interest income	$4,161,000	6,015
Total interest expense	$1,443,000	6,198
Net interest income	$2,718,000	5,797
Provision for loan and lease losses	$150,000	4,039
Total noninterest income	$302,000	6,170
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$151,000	5,522
Trading account gains and fees	$0	130
Additional Noninterest Income	$151,000	5,601
Total noninterest expense	$1,212,000	7,362
Salaries and employee benefits	$839,000	6,846
Premises and equipment expense	$106,000	7,731
Additional noninterest expense	$267,000	7,764
Pre-tax net operating income	$1,658,000	4,062
Securities gains (losses)	$0	1,687
Applicable income taxes	$71,000	5,217
Income before extraordinary items	$1,587,000	3,647
Extraordinary gains, net	$0	51
Net income	$1,587,000	3,647
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$183,000	2,306
Cash dividends	$1,200,000	2,241
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$1,587,000	3,629
2006-09-30 (YTD Data)		Rank
Total interest income	$3,070,000	6,065
Total interest expense	$1,036,000	6,249
Net interest income	$2,034,000	5,849
Provision for loan and lease losses	$100,000	4,067
Total noninterest income	$186,000	6,596
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$115,000	5,555
Trading account gains and fees	$0	126
Additional Noninterest Income	$71,000	6,401
Total noninterest expense	$874,000	7,452
Salaries and employee benefits	$616,000	6,880
Premises and equipment expense	$78,000	7,787
Additional noninterest expense	$180,000	7,934
Pre-tax net operating income	$1,246,000	4,209
Securities gains (losses)	$0	1,388
Applicable income taxes	$55,000	5,380
Income before extraordinary items	$1,191,000	3,766
Extraordinary gains, net	$0	45
Net income	$1,191,000	3,768
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$152,000	1,811
Cash dividends	$900,000	2,057
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$1,191,000	3,743
2006-06-30 (YTD Data)		Rank
Total interest income	$2,024,000	6,083
Total interest expense	$666,000	6,239
Net interest income	$1,358,000	5,888
Provision for loan and lease losses	$50,000	4,407
Total noninterest income	$122,000	6,642
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$73,000	5,645
Trading account gains and fees	$0	126
Additional Noninterest Income	$49,000	6,410
Total noninterest expense	$579,000	7,499
Salaries and employee benefits	$411,000	6,917
Premises and equipment expense	$54,000	7,758
Additional noninterest expense	$114,000	8,013
Pre-tax net operating income	$851,000	4,181
Securities gains (losses)	$0	1,185
Applicable income taxes	$38,000	5,424
Income before extraordinary items	$813,000	3,714
Extraordinary gains, net	$0	39
Net income	$813,000	3,717
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$152,000	1,328
Cash dividends	$600,000	2,089
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$813,000	3,710
2006-03-31 (YTD Data)		Rank
Total interest income	$962,000	6,188
Total interest expense	$310,000	6,316
Net interest income	$652,000	6,021
Provision for loan and lease losses	$0	6,013
Total noninterest income	$58,000	6,685
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	$25,000	6,361
Total noninterest expense	$289,000	7,510
Salaries and employee benefits	$209,000	6,884
Premises and equipment expense	$25,000	7,853
Additional noninterest expense	$55,000	8,061
Pre-tax net operating income	$421,000	4,164
Securities gains (losses)	$0	955
Applicable income taxes	$20,000	5,352
Income before extraordinary items	$401,000	3,711
Extraordinary gains, net	$0	21
Net income	$401,000	3,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	6,875
Cash dividends	$300,000	1,914
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$401,000	3,693
2005-12-31 (YTD Data)		Rank
Total interest income	$3,511,000	6,173
Total interest expense	$951,000	6,402
Net interest income	$2,560,000	5,977
Provision for loan and lease losses	$25,000	6,321
Total noninterest income	$296,000	6,352
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$153,000	5,584
Trading account gains and fees	$0	138
Additional Noninterest Income	$143,000	5,813
Total noninterest expense	$1,175,000	7,443
Salaries and employee benefits	$815,000	6,876
Premises and equipment expense	$117,000	7,667
Additional noninterest expense	$243,000	7,966
Pre-tax net operating income	$1,656,000	4,141
Securities gains (losses)	$0	2,296
Applicable income taxes	$71,000	5,628
Income before extraordinary items	$1,585,000	3,656
Extraordinary gains, net	$0	46
Net income	$1,585,000	3,658
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-29,000	8,356
Cash dividends	$1,200,000	2,126
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,585,000	3,629
2005-09-30 (YTD Data)		Rank
Total interest income	$2,608,000	6,193
Total interest expense	$664,000	6,495
Net interest income	$1,944,000	5,970
Provision for loan and lease losses	$0	6,899
Total noninterest income	$194,000	6,640
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$120,000	5,533
Trading account gains and fees	$0	126
Additional Noninterest Income	$74,000	6,434
Total noninterest expense	$831,000	7,557
Salaries and employee benefits	$588,000	6,978
Premises and equipment expense	$84,000	7,738
Additional noninterest expense	$159,000	8,156
Pre-tax net operating income	$1,307,000	4,099
Securities gains (losses)	$0	2,317
Applicable income taxes	$65,000	5,605
Income before extraordinary items	$1,242,000	3,579
Extraordinary gains, net	$0	35
Net income	$1,242,000	3,580
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	8,316
Cash dividends	$900,000	1,943
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,242,000	3,551
2005-06-30 (YTD Data)		Rank
Total interest income	$1,760,000	6,108
Total interest expense	$420,000	6,481
Net interest income	$1,340,000	5,860
Provision for loan and lease losses	$0	6,626
Total noninterest income	$126,000	6,660
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$78,000	5,536
Trading account gains and fees	$0	116
Additional Noninterest Income	$48,000	6,470
Total noninterest expense	$556,000	7,545
Salaries and employee benefits	$389,000	6,996
Premises and equipment expense	$57,000	7,706
Additional noninterest expense	$110,000	8,091
Pre-tax net operating income	$910,000	3,967
Securities gains (losses)	$0	2,146
Applicable income taxes	$46,000	5,584
Income before extraordinary items	$864,000	3,447
Extraordinary gains, net	$0	30
Net income	$864,000	3,449
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	8,316
Cash dividends	$600,000	1,914
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$864,000	3,403
2005-03-31 (YTD Data)		Rank
Total interest income	$901,000	6,047
Total interest expense	$195,000	6,604
Net interest income	$706,000	5,708
Provision for loan and lease losses	$0	6,226
Total noninterest income	$65,000	6,590
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$40,000	5,458
Trading account gains and fees	$0	115
Additional Noninterest Income	$25,000	6,471
Total noninterest expense	$284,000	7,569
Salaries and employee benefits	$195,000	7,042
Premises and equipment expense	$27,000	7,847
Additional noninterest expense	$62,000	7,991
Pre-tax net operating income	$487,000	3,753
Securities gains (losses)	$0	1,685
Applicable income taxes	$27,000	5,406
Income before extraordinary items	$460,000	3,254
Extraordinary gains, net	$0	24
Net income	$460,000	3,255
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-31,000	8,492
Cash dividends	$300,000	1,719
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$460,000	3,214
2004-12-31 (YTD Data)		Rank
Total interest income	$2,923,000	6,504
Total interest expense	$612,000	6,899
Net interest income	$2,311,000	6,226
Provision for loan and lease losses	$20,000	6,718
Total noninterest income	$318,000	6,278
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$182,000	5,412
Trading account gains and fees	$0	138
Additional Noninterest Income	$136,000	5,870
Total noninterest expense	$1,063,000	7,688
Salaries and employee benefits	$725,000	7,193
Premises and equipment expense	$106,000	7,899
Additional noninterest expense	$232,000	8,112
Pre-tax net operating income	$1,546,000	4,173
Securities gains (losses)	$0	3,819
Applicable income taxes	$67,000	5,846
Income before extraordinary items	$1,479,000	3,674
Extraordinary gains, net	$0	34
Net income	$1,479,000	3,675
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-26,000	8,520
Cash dividends	$1,200,000	2,033
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,479,000	3,618
2004-09-30 (YTD Data)		Rank
Total interest income	$2,183,000	6,517
Total interest expense	$442,000	6,989
Net interest income	$1,741,000	6,224
Provision for loan and lease losses	$0	7,100
Total noninterest income	$205,000	6,627
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$142,000	5,389
Trading account gains and fees	$0	134
Additional Noninterest Income	$63,000	6,728
Total noninterest expense	$745,000	7,800
Salaries and employee benefits	$519,000	7,267
Premises and equipment expense	$76,000	7,952
Additional noninterest expense	$150,000	8,307
Pre-tax net operating income	$1,201,000	4,150
Securities gains (losses)	$0	3,710
Applicable income taxes	$52,000	5,934
Income before extraordinary items	$1,149,000	3,654
Extraordinary gains, net	$0	26
Net income	$1,149,000	3,654
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-34,000	8,557
Cash dividends	$900,000	1,840
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,149,000	3,587
2004-06-30 (YTD Data)		Rank
Total interest income	$1,458,000	6,548
Total interest expense	$287,000	7,076
Net interest income	$1,171,000	6,226
Provision for loan and lease losses	$0	6,885
Total noninterest income	$133,000	6,717
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$91,000	5,462
Trading account gains and fees	$0	130
Additional Noninterest Income	$42,000	6,726
Total noninterest expense	$494,000	7,855
Salaries and employee benefits	$342,000	7,354
Premises and equipment expense	$50,000	7,993
Additional noninterest expense	$102,000	8,325
Pre-tax net operating income	$810,000	4,073
Securities gains (losses)	$0	3,413
Applicable income taxes	$38,000	5,863
Income before extraordinary items	$772,000	3,617
Extraordinary gains, net	$0	21
Net income	$772,000	3,617
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	8,602
Cash dividends	$600,000	1,866
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$772,000	3,526
2004-03-31 (YTD Data)		Rank
Total interest income	$725,000	6,599
Total interest expense	$149,000	7,054
Net interest income	$576,000	6,275
Provision for loan and lease losses	$0	6,501
Total noninterest income	$63,000	6,769
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	$21,000	6,731
Total noninterest expense	$242,000	7,937
Salaries and employee benefits	$171,000	7,405
Premises and equipment expense	$22,000	8,152
Additional noninterest expense	$49,000	8,420
Pre-tax net operating income	$397,000	4,105
Securities gains (losses)	$0	2,934
Applicable income taxes	$18,000	5,857
Income before extraordinary items	$379,000	3,656
Extraordinary gains, net	$0	16
Net income	$379,000	3,655
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-33,000	8,736
Cash dividends	$300,000	1,707
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$379,000	3,530
2003-12-31 (YTD Data)		Rank
Total interest income	$2,823,000	6,719
Total interest expense	$753,000	6,865
Net interest income	$2,070,000	6,483
Provision for loan and lease losses	$70,000	5,822
Total noninterest income	$297,000	6,621
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$174,000	5,561
Trading account gains and fees	$0	160
Additional Noninterest Income	$123,000	6,176
Total noninterest expense	$995,000	7,891
Salaries and employee benefits	$682,000	7,378
Premises and equipment expense	$99,000	8,079
Additional noninterest expense	$214,000	8,351
Pre-tax net operating income	$1,302,000	4,479
Securities gains (losses)	$0	4,500
Applicable income taxes	$55,000	6,211
Income before extraordinary items	$1,247,000	4,031
Extraordinary gains, net	$0	54
Net income	$1,247,000	4,032
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$90,000	4,241
Cash dividends	$1,200,000	2,037
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,247,000	3,855
2003-09-30 (YTD Data)		Rank
Total interest income	$2,191,000	6,693
Total interest expense	$595,000	6,872
Net interest income	$1,596,000	6,435
Provision for loan and lease losses	$0	7,481
Total noninterest income	$191,000	6,968
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$136,000	5,503
Trading account gains and fees	$0	153
Additional Noninterest Income	$55,000	7,077
Total noninterest expense	$730,000	7,930
Salaries and employee benefits	$517,000	7,317
Premises and equipment expense	$69,000	8,186
Additional noninterest expense	$144,000	8,506
Pre-tax net operating income	$1,057,000	4,411
Securities gains (losses)	$0	4,204
Applicable income taxes	$46,000	6,283
Income before extraordinary items	$1,011,000	3,955
Extraordinary gains, net	$0	40
Net income	$1,011,000	3,954
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	5,642
Cash dividends	$900,000	1,869
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,011,000	3,795
2003-06-30 (YTD Data)		Rank
Total interest income	$1,494,000	6,666
Total interest expense	$414,000	6,889
Net interest income	$1,080,000	6,410
Provision for loan and lease losses	$0	7,324
Total noninterest income	$122,000	7,028
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$86,000	5,601
Trading account gains and fees	$0	150
Additional Noninterest Income	$36,000	7,110
Total noninterest expense	$488,000	7,941
Salaries and employee benefits	$347,000	7,314
Premises and equipment expense	$48,000	8,136
Additional noninterest expense	$93,000	8,550
Pre-tax net operating income	$714,000	4,375
Securities gains (losses)	$0	3,782
Applicable income taxes	$31,000	6,314
Income before extraordinary items	$683,000	3,935
Extraordinary gains, net	$0	30
Net income	$683,000	3,935
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	6,006
Cash dividends	$600,000	1,881
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$683,000	3,754
2003-03-31 (YTD Data)		Rank
Total interest income	$737,000	6,749
Total interest expense	$214,000	6,888
Net interest income	$523,000	6,520
Provision for loan and lease losses	$0	6,934
Total noninterest income	$54,000	7,230
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$37,000	5,850
Trading account gains and fees	$0	134
Additional Noninterest Income	$17,000	7,158
Total noninterest expense	$246,000	7,969
Salaries and employee benefits	$172,000	7,371
Premises and equipment expense	$23,000	8,216
Additional noninterest expense	$51,000	8,461
Pre-tax net operating income	$331,000	4,533
Securities gains (losses)	$0	2,891
Applicable income taxes	$15,000	6,300
Income before extraordinary items	$316,000	4,094
Extraordinary gains, net	$0	21
Net income	$316,000	4,092
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	7,386
Cash dividends	$300,000	1,748
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$316,000	3,898
2002-12-31 (YTD Data)		Rank
Total interest income	$3,261,000	6,576
Total interest expense	$1,112,000	6,648
Net interest income	$2,149,000	6,397
Provision for loan and lease losses	$30,000	7,191
Total noninterest income	$233,000	7,005
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$133,000	6,070
Trading account gains and fees	$0	153
Additional Noninterest Income	$100,000	6,442
Total noninterest expense	$936,000	8,067
Salaries and employee benefits	$652,000	7,494
Premises and equipment expense	$76,000	8,504
Additional noninterest expense	$208,000	8,507
Pre-tax net operating income	$1,416,000	4,260
Securities gains (losses)	$0	4,537
Applicable income taxes	$60,000	6,401
Income before extraordinary items	$1,356,000	3,774
Extraordinary gains, net	$0	70
Net income	$1,356,000	3,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,914
Cash dividends	$1,455,000	1,688
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,356,000	3,662
2001-12-31 (YTD Data)		Rank
Total interest income	$3,923,000	6,424
Total interest expense	$1,708,000	6,589
Net interest income	$2,215,000	6,109
Provision for loan and lease losses	$80,000	5,977
Total noninterest income	$234,000	6,985
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$136,000	5,999
Trading account gains and fees	$0	177
Additional Noninterest Income	$98,000	6,492
Total noninterest expense	$896,000	8,219
Salaries and employee benefits	$638,000	7,485
Premises and equipment expense	$61,000	8,954
Additional noninterest expense	$197,000	8,680
Pre-tax net operating income	$1,473,000	3,910
Securities gains (losses)	$0	4,612
Applicable income taxes	$63,000	6,495
Income before extraordinary items	$1,410,000	3,379
Extraordinary gains, net	$0	105
Net income	$1,410,000	3,383
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,068
Cash dividends	$1,200,000	1,967
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,410,000	3,282
2000-12-31 (YTD Data)		Rank
Total interest income	$3,862,000	6,605
Total interest expense	$1,633,000	6,890
Net interest income	$2,229,000	6,217
Provision for loan and lease losses	$0	8,337
Total noninterest income	$237,000	6,911
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$136,000	5,964
Trading account gains and fees	NA	NA
Additional Noninterest Income	$101,000	6,404
Total noninterest expense	$865,000	8,393
Salaries and employee benefits	$634,000	7,521
Premises and equipment expense	$58,000	9,224
Additional noninterest expense	$173,000	9,038
Pre-tax net operating income	$1,601,000	3,887
Securities gains (losses)	$0	1,956
Applicable income taxes	$68,000	6,962
Income before extraordinary items	$1,533,000	3,201
Extraordinary gains, net	$0	38
Net income	$1,533,000	3,199
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	7,122
Cash dividends	$1,200,000	1,976
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$1,533,000	3,188
1999-12-31 (YTD Data)		Rank
Total interest income	$3,562,000	6,768
Total interest expense	$1,487,000	7,012
Net interest income	$2,075,000	6,508
Provision for loan and lease losses	$60,000	6,124
Total noninterest income	$237,000	7,079
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$142,000	5,981
Trading account gains and fees	NA	NA
Additional Noninterest Income	$95,000	6,757
Total noninterest expense	$831,000	8,640
Salaries and employee benefits	$596,000	7,778
Premises and equipment expense	$48,000	9,675
Additional noninterest expense	$187,000	9,157
Pre-tax net operating income	$1,421,000	4,245
Securities gains (losses)	$0	3,155
Applicable income taxes	$62,000	7,476
Income before extraordinary items	$1,359,000	3,505
Extraordinary gains, net	$0	35
Net income	$1,359,000	3,505
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	7,619
Cash dividends	$1,200,000	1,962
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$1,359,000	3,470
1998-12-31 (YTD Data)		Rank
Total interest income	$3,454,000	7,007
Total interest expense	$1,528,000	7,126
Net interest income	$1,926,000	6,804
Provision for loan and lease losses	$15,000	7,946
Total noninterest income	$204,000	7,525
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$111,000	6,650
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	6,799
Total noninterest expense	$819,000	8,716
Salaries and employee benefits	$576,000	7,890
Premises and equipment expense	$61,000	9,545
Additional noninterest expense	$182,000	9,320
Pre-tax net operating income	$1,296,000	4,630
Securities gains (losses)	$0	4,449
Applicable income taxes	$54,000	8,266
Income before extraordinary items	$1,242,000	3,820
Extraordinary gains, net	$0	32
Net income	$1,242,000	3,818
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	9,508
Cash dividends	$1,350,000	1,797
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$1,242,000	3,732
1997-12-31 (YTD Data)		Rank
Total interest income	$3,301,000	7,397
Total interest expense	$1,382,000	7,627
Net interest income	$1,919,000	7,083
Provision for loan and lease losses	$90,000	5,371
Total noninterest income	$267,000	7,028
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$98,000	7,244
Trading account gains and fees	NA	NA
Additional Noninterest Income	$169,000	5,381
Total noninterest expense	$826,000	8,945
Salaries and employee benefits	$557,000	8,201
Premises and equipment expense	$71,000	9,671
Additional noninterest expense	$198,000	9,434
Pre-tax net operating income	$1,270,000	5,048
Securities gains (losses)	$0	3,944
Applicable income taxes	$218,000	6,646
Income before extraordinary items	$1,052,000	4,512
Extraordinary gains, net	$0	44
Net income	$1,052,000	4,511
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,572
Cash dividends	$300,000	4,516
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$1,052,000	4,460
1996-12-31 (YTD Data)		Rank
Total interest income	$3,116,000	7,859
Total interest expense	$1,350,000	7,960
Net interest income	$1,766,000	7,629
Provision for loan and lease losses	$40,000	6,972
Total noninterest income	$191,000	8,358
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$93,000	7,643
Trading account gains and fees	NA	NA
Additional Noninterest Income	$98,000	7,185
Total noninterest expense	$754,000	9,612
Salaries and employee benefits	$513,000	8,771
Premises and equipment expense	$82,000	9,755
Additional noninterest expense	$159,000	10,453
Pre-tax net operating income	$1,163,000	5,230
Securities gains (losses)	$0	4,148
Applicable income taxes	$431,000	4,652
Income before extraordinary items	$732,000	5,615
Extraordinary gains, net	$0	53
Net income	$732,000	5,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,612
Cash dividends	$300,000	4,471
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$732,000	5,566
1995-12-31 (YTD Data)		Rank
Total interest income	$2,957,000	8,271
Total interest expense	$1,254,000	8,424
Net interest income	$1,703,000	8,007
Provision for loan and lease losses	$30,000	7,070
Total noninterest income	$180,000	8,775
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$87,000	8,120
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	7,460
Total noninterest expense	$774,000	9,890
Salaries and employee benefits	$479,000	9,289
Premises and equipment expense	$85,000	10,060
Additional noninterest expense	$210,000	10,303
Pre-tax net operating income	$1,079,000	5,676
Securities gains (losses)	$0	3,831
Applicable income taxes	$394,000	5,002
Income before extraordinary items	$686,000	6,080
Extraordinary gains, net	$0	65
Net income	$686,000	6,078
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-30,000	11,229
Cash dividends	$300,000	4,483
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$686,000	6,045
1994-12-31 (YTD Data)		Rank
Total interest income	$2,524,000	8,869
Total interest expense	$1,002,000	8,686
Net interest income	$1,522,000	8,821
Provision for loan and lease losses	$55,000	5,922
Total noninterest income	$160,000	9,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$80,000	8,680
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	8,247
Total noninterest expense	$770,000	10,378
Salaries and employee benefits	$441,000	9,905
Premises and equipment expense	$75,000	10,805
Additional noninterest expense	$254,000	10,478
Pre-tax net operating income	$857,000	6,596
Securities gains (losses)	$9,000	2,280
Applicable income taxes	$268,000	6,277
Income before extraordinary items	$598,000	6,566
Extraordinary gains, net	$0	249
Net income	$598,000	6,581
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,275
Cash dividends	$300,000	4,418
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$591,790	6,661
1993-12-31 (YTD Data)		Rank
Total interest income	$2,508,000	9,165
Total interest expense	$1,059,000	8,849
Net interest income	$1,449,000	9,279
Provision for loan and lease losses	$0	10,371
Total noninterest income	$166,000	9,890
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$86,000	8,815
Trading account gains and fees	NA	NA
Additional Noninterest Income	$80,000	8,622
Total noninterest expense	$733,000	11,002
Salaries and employee benefits	$396,000	10,677
Premises and equipment expense	$86,000	10,933
Additional noninterest expense	$251,000	11,069
Pre-tax net operating income	$882,000	6,414
Securities gains (losses)	$-2,000	12,373
Applicable income taxes	$279,000	6,349
Income before extraordinary items	$601,000	6,768
Extraordinary gains, net	$10,000	2,939
Net income	$611,000	6,859
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-47,000	12,633
Cash dividends	$300,000	4,359
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$602,360	6,520
1992-12-31 (YTD Data)		Rank
Total interest income	$2,742,000	9,454
Total interest expense	$1,336,000	9,101
Net interest income	$1,406,000	9,609
Provision for loan and lease losses	$0	11,756
Total noninterest income	$152,000	10,460
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$77,000	9,282
Trading account gains and fees	NA	NA
Additional Noninterest Income	$75,000	9,058
Total noninterest expense	$673,000	11,663
Salaries and employee benefits	$375,000	11,152
Premises and equipment expense	$78,000	11,557
Additional noninterest expense	$220,000	11,961
Pre-tax net operating income	$885,000	6,166
Securities gains (losses)	$-2,000	12,861
Applicable income taxes	$250,000	6,656
Income before extraordinary items	$633,000	6,350
Extraordinary gains, net	$0	1,422
Net income	$633,000	6,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-15,000	12,970
Cash dividends	$300,000	3,979
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$634,440	5,990

* 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.