Home > Ravenswood Bank > Income and Expense
Ravenswood Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,612,000 | 2,757 |
| Total interest expense | $4,898,000 | 910 |
| Net interest income | $714,000 | 6,915 |
| Provision for loan and lease losses | $12,807,000 | 293 |
| Total noninterest income | $549,000 | 3,043 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $269,000 | 2,574 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $280,000 | 2,949 |
| Total noninterest expense | $5,364,000 | 1,832 |
| Salaries and employee benefits | $1,654,000 | 2,882 |
| Premises and equipment expense | $380,000 | 3,167 |
| Additional noninterest expense | $3,330,000 | 1,065 |
| Pre-tax net operating income | $-16,908,000 | 7,738 |
| Securities gains (losses) | $228,000 | 866 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-16,680,000 | 7,741 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-16,680,000 | 7,741 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-16,680,000 | 7,741 |
| Net charge-offs | $4,361,000 | 632 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-16,908,000 | 7,740 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,375,000 | 2,365 |
| Total interest expense | $2,519,000 | 933 |
| Net interest income | $856,000 | 5,120 |
| Provision for loan and lease losses | $717,000 | 1,454 |
| Total noninterest income | $207,000 | 3,577 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $142,000 | 2,443 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $65,000 | 4,256 |
| Total noninterest expense | $2,567,000 | 1,933 |
| Salaries and employee benefits | $819,000 | 2,952 |
| Premises and equipment expense | $206,000 | 3,053 |
| Additional noninterest expense | $1,542,000 | 1,143 |
| Pre-tax net operating income | $-2,221,000 | 7,626 |
| Securities gains (losses) | $-31,000 | 7,592 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,252,000 | 7,669 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,252,000 | 7,670 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,252,000 | 7,670 |
| Net charge-offs | $1,633,000 | 742 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,221,000 | 7,660 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,593,000 | 2,053 |
| Total interest expense | $11,704,000 | 1,009 |
| Net interest income | $4,889,000 | 4,008 |
| Provision for loan and lease losses | $5,100,000 | 1,418 |
| Total noninterest income | $320,000 | 5,508 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $720,000 | 2,196 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-400,000 | 7,780 |
| Total noninterest expense | $8,976,000 | 2,215 |
| Salaries and employee benefits | $3,125,000 | 3,061 |
| Premises and equipment expense | $827,000 | 3,042 |
| Additional noninterest expense | $5,024,000 | 1,485 |
| Pre-tax net operating income | $-8,867,000 | 7,439 |
| Securities gains (losses) | $-426,000 | 7,560 |
| Applicable income taxes | $-1,946,000 | 7,510 |
| Income before extraordinary items | $-7,347,000 | 7,450 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-7,347,000 | 7,447 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-7,347,000 | 7,448 |
| Net charge-offs | $567,000 | 3,630 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-7,010,460 | 7,442 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,191,000 | 1,957 |
| Total interest expense | $8,891,000 | 1,053 |
| Net interest income | $4,300,000 | 3,602 |
| Provision for loan and lease losses | $700,000 | 3,273 |
| Total noninterest income | $751,000 | 3,399 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $540,000 | 2,216 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $211,000 | 4,193 |
| Total noninterest expense | $5,834,000 | 2,535 |
| Salaries and employee benefits | $2,344,000 | 3,082 |
| Premises and equipment expense | $723,000 | 2,707 |
| Additional noninterest expense | $2,767,000 | 1,914 |
| Pre-tax net operating income | $-1,483,000 | 6,859 |
| Securities gains (losses) | $182,000 | 1,356 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-1,301,000 | 6,907 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,301,000 | 6,909 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,301,000 | 6,909 |
| Net charge-offs | $533,000 | 2,947 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,483,000 | 6,978 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,283,000 | 1,901 |
| Total interest expense | $5,995,000 | 1,103 |
| Net interest income | $3,288,000 | 3,212 |
| Provision for loan and lease losses | $250,000 | 3,992 |
| Total noninterest income | $442,000 | 3,661 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $329,000 | 2,345 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $113,000 | 4,585 |
| Total noninterest expense | $3,848,000 | 2,599 |
| Salaries and employee benefits | $1,556,000 | 3,137 |
| Premises and equipment expense | $492,000 | 2,676 |
| Additional noninterest expense | $1,800,000 | 1,981 |
| Pre-tax net operating income | $-368,000 | 6,507 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-368,000 | 6,617 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-368,000 | 6,617 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-368,000 | 6,617 |
| Net charge-offs | $295,000 | 2,946 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-368,000 | 6,600 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,120,000 | 1,754 |
| Total interest expense | $3,072,000 | 1,119 |
| Net interest income | $2,048,000 | 2,647 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $234,000 | 3,510 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $162,000 | 2,303 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $72,000 | 4,184 |
| Total noninterest expense | $1,773,000 | 2,713 |
| Salaries and employee benefits | $780,000 | 3,161 |
| Premises and equipment expense | $254,000 | 2,647 |
| Additional noninterest expense | $739,000 | 2,124 |
| Pre-tax net operating income | $509,000 | 2,349 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $115,000 | 2,038 |
| Income before extraordinary items | $394,000 | 2,597 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $394,000 | 2,596 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $394,000 | 2,598 |
| Net charge-offs | $162,000 | 2,342 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $394,000 | 2,455 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $24,226,000 | 1,601 |
| Total interest expense | $13,508,000 | 1,194 |
| Net interest income | $10,718,000 | 2,064 |
| Provision for loan and lease losses | $17,160,000 | 413 |
| Total noninterest income | $1,226,000 | 3,005 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $817,000 | 2,092 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $409,000 | 3,544 |
| Total noninterest expense | $7,433,000 | 2,548 |
| Salaries and employee benefits | $3,968,000 | 2,533 |
| Premises and equipment expense | $875,000 | 2,944 |
| Additional noninterest expense | $2,590,000 | 2,274 |
| Pre-tax net operating income | $-12,649,000 | 8,030 |
| Securities gains (losses) | $-348,000 | 7,448 |
| Applicable income taxes | $-427,000 | 7,438 |
| Income before extraordinary items | $-12,570,000 | 8,036 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-12,570,000 | 8,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,956,000 | 356 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-12,232,440 | 8,059 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,901,000 | 1,654 |
| Total interest expense | $10,161,000 | 1,244 |
| Net interest income | $7,740,000 | 2,168 |
| Provision for loan and lease losses | $495,000 | 2,741 |
| Total noninterest income | $841,000 | 3,238 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $621,000 | 2,080 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $220,000 | 4,241 |
| Total noninterest expense | $5,658,000 | 2,497 |
| Salaries and employee benefits | $3,094,000 | 2,467 |
| Premises and equipment expense | $677,000 | 2,896 |
| Additional noninterest expense | $1,887,000 | 2,266 |
| Pre-tax net operating income | $2,428,000 | 1,983 |
| Securities gains (losses) | $52,000 | 1,390 |
| Applicable income taxes | $699,000 | 1,537 |
| Income before extraordinary items | $1,781,000 | 1,973 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,781,000 | 1,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,220 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,743,560 | 2,115 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,877,000 | 1,697 |
| Total interest expense | $6,726,000 | 1,308 |
| Net interest income | $5,151,000 | 2,154 |
| Provision for loan and lease losses | $330,000 | 2,398 |
| Total noninterest income | $590,000 | 3,169 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $437,000 | 1,949 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $153,000 | 4,281 |
| Total noninterest expense | $3,825,000 | 2,479 |
| Salaries and employee benefits | $2,156,000 | 2,396 |
| Premises and equipment expense | $475,000 | 2,762 |
| Additional noninterest expense | $1,194,000 | 2,353 |
| Pre-tax net operating income | $1,586,000 | 2,088 |
| Securities gains (losses) | $52,000 | 1,417 |
| Applicable income taxes | $473,000 | 1,667 |
| Income before extraordinary items | $1,165,000 | 2,263 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,165,000 | 2,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-137,000 | 8,373 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,128,080 | 2,280 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,922,000 | 1,740 |
| Total interest expense | $3,353,000 | 1,404 |
| Net interest income | $2,569,000 | 2,153 |
| Provision for loan and lease losses | $165,000 | 2,024 |
| Total noninterest income | $307,000 | 3,087 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $243,000 | 1,768 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $64,000 | 4,577 |
| Total noninterest expense | $1,981,000 | 2,388 |
| Salaries and employee benefits | $1,189,000 | 2,213 |
| Premises and equipment expense | $227,000 | 2,895 |
| Additional noninterest expense | $565,000 | 2,436 |
| Pre-tax net operating income | $730,000 | 2,341 |
| Securities gains (losses) | $52,000 | 1,064 |
| Applicable income taxes | $222,000 | 1,834 |
| Income before extraordinary items | $560,000 | 2,452 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $560,000 | 2,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-121,000 | 8,429 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $522,560 | 2,522 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,618,000 | 1,740 |
| Total interest expense | $12,893,000 | 1,564 |
| Net interest income | $11,725,000 | 1,938 |
| Provision for loan and lease losses | $1,605,000 | 999 |
| Total noninterest income | $1,326,000 | 2,936 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $701,000 | 2,368 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $625,000 | 2,944 |
| Total noninterest expense | $8,198,000 | 2,229 |
| Salaries and employee benefits | $4,226,000 | 2,383 |
| Premises and equipment expense | $684,000 | 3,500 |
| Additional noninterest expense | $3,288,000 | 1,699 |
| Pre-tax net operating income | $3,248,000 | 2,326 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $992,000 | 1,875 |
| Income before extraordinary items | $2,256,000 | 2,577 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,256,000 | 2,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $777,000 | 1,236 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,256,000 | 2,571 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,425,000 | 1,750 |
| Total interest expense | $9,495,000 | 1,582 |
| Net interest income | $8,930,000 | 1,916 |
| Provision for loan and lease losses | $440,000 | 1,747 |
| Total noninterest income | $753,000 | 3,529 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $477,000 | 2,541 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $276,000 | 3,908 |
| Total noninterest expense | $6,211,000 | 2,187 |
| Salaries and employee benefits | $3,135,000 | 2,402 |
| Premises and equipment expense | $503,000 | 3,533 |
| Additional noninterest expense | $2,573,000 | 1,572 |
| Pre-tax net operating income | $3,032,000 | 2,084 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $973,000 | 1,686 |
| Income before extraordinary items | $2,059,000 | 2,316 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,059,000 | 2,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 965 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,059,000 | 2,299 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,118,000 | 1,784 |
| Total interest expense | $6,229,000 | 1,615 |
| Net interest income | $5,889,000 | 1,969 |
| Provision for loan and lease losses | $275,000 | 1,664 |
| Total noninterest income | $519,000 | 3,484 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $323,000 | 2,503 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $196,000 | 3,819 |
| Total noninterest expense | $3,555,000 | 2,572 |
| Salaries and employee benefits | $2,071,000 | 2,457 |
| Premises and equipment expense | $342,000 | 3,505 |
| Additional noninterest expense | $1,142,000 | 2,330 |
| Pre-tax net operating income | $2,578,000 | 1,776 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $867,000 | 1,414 |
| Income before extraordinary items | $1,711,000 | 2,005 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,711,000 | 2,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $551,000 | 668 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,711,000 | 1,984 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,015,000 | 1,793 |
| Total interest expense | $3,048,000 | 1,640 |
| Net interest income | $2,967,000 | 1,946 |
| Provision for loan and lease losses | $165,000 | 1,333 |
| Total noninterest income | $247,000 | 3,564 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $166,000 | 2,416 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $81,000 | 4,179 |
| Total noninterest expense | $1,770,000 | 2,580 |
| Salaries and employee benefits | $1,068,000 | 2,399 |
| Premises and equipment expense | $173,000 | 3,492 |
| Additional noninterest expense | $529,000 | 2,485 |
| Pre-tax net operating income | $1,279,000 | 1,781 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $432,000 | 1,443 |
| Income before extraordinary items | $847,000 | 1,962 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $847,000 | 1,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $641,000 | 342 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $847,000 | 1,953 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,670,000 | 1,781 |
| Total interest expense | $10,116,000 | 1,658 |
| Net interest income | $12,554,000 | 1,837 |
| Provision for loan and lease losses | $690,000 | 1,433 |
| Total noninterest income | $1,003,000 | 3,539 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $673,000 | 2,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $330,000 | 4,115 |
| Total noninterest expense | $6,924,000 | 2,541 |
| Salaries and employee benefits | $3,746,000 | 2,588 |
| Premises and equipment expense | $693,000 | 3,354 |
| Additional noninterest expense | $2,485,000 | 2,114 |
| Pre-tax net operating income | $5,943,000 | 1,622 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,086,000 | 1,287 |
| Income before extraordinary items | $3,857,000 | 1,847 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,857,000 | 1,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,298 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,857,000 | 1,827 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,670,000 | 1,808 |
| Total interest expense | $7,212,000 | 1,696 |
| Net interest income | $9,458,000 | 1,844 |
| Provision for loan and lease losses | $495,000 | 1,399 |
| Total noninterest income | $793,000 | 3,415 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $522,000 | 2,392 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $271,000 | 3,940 |
| Total noninterest expense | $5,141,000 | 2,559 |
| Salaries and employee benefits | $2,773,000 | 2,626 |
| Premises and equipment expense | $529,000 | 3,322 |
| Additional noninterest expense | $1,839,000 | 2,120 |
| Pre-tax net operating income | $4,615,000 | 1,609 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,621,000 | 1,314 |
| Income before extraordinary items | $2,994,000 | 1,835 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,994,000 | 1,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,276 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,994,000 | 1,813 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,757,000 | 1,833 |
| Total interest expense | $4,534,000 | 1,710 |
| Net interest income | $6,223,000 | 1,867 |
| Provision for loan and lease losses | $315,000 | 1,403 |
| Total noninterest income | $519,000 | 3,442 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $355,000 | 2,324 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $164,000 | 4,129 |
| Total noninterest expense | $3,250,000 | 2,709 |
| Salaries and employee benefits | $1,800,000 | 2,683 |
| Premises and equipment expense | $359,000 | 3,262 |
| Additional noninterest expense | $1,091,000 | 2,371 |
| Pre-tax net operating income | $3,177,000 | 1,573 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,125,000 | 1,265 |
| Income before extraordinary items | $2,052,000 | 1,781 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,052,000 | 1,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,374 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,052,000 | 1,769 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,135,000 | 1,872 |
| Total interest expense | $2,138,000 | 1,721 |
| Net interest income | $2,997,000 | 1,931 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $230,000 | 3,664 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $167,000 | 2,379 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $1,570,000 | 2,781 |
| Salaries and employee benefits | $872,000 | 2,759 |
| Premises and equipment expense | $192,000 | 3,117 |
| Additional noninterest expense | $506,000 | 2,518 |
| Pre-tax net operating income | $1,507,000 | 1,626 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $529,000 | 1,332 |
| Income before extraordinary items | $978,000 | 1,834 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $978,000 | 1,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,225 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $978,000 | 1,817 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,962,000 | 1,872 |
| Total interest expense | $7,223,000 | 1,565 |
| Net interest income | $10,739,000 | 2,066 |
| Provision for loan and lease losses | $580,000 | 1,693 |
| Total noninterest income | $1,052,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $727,000 | 2,277 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $325,000 | 4,166 |
| Total noninterest expense | $5,949,000 | 2,775 |
| Salaries and employee benefits | $3,004,000 | 2,956 |
| Premises and equipment expense | $804,000 | 2,885 |
| Additional noninterest expense | $2,141,000 | 2,336 |
| Pre-tax net operating income | $5,262,000 | 1,780 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,815,000 | 1,472 |
| Income before extraordinary items | $3,447,000 | 1,987 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,447,000 | 1,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,287 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,447,000 | 1,964 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,171,000 | 1,867 |
| Total interest expense | $5,300,000 | 1,512 |
| Net interest income | $7,871,000 | 2,100 |
| Provision for loan and lease losses | $460,000 | 1,509 |
| Total noninterest income | $792,000 | 3,426 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $537,000 | 2,303 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $255,000 | 4,095 |
| Total noninterest expense | $4,479,000 | 2,741 |
| Salaries and employee benefits | $2,377,000 | 2,790 |
| Premises and equipment expense | $597,000 | 2,892 |
| Additional noninterest expense | $1,505,000 | 2,443 |
| Pre-tax net operating income | $3,724,000 | 1,877 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,270,000 | 1,577 |
| Income before extraordinary items | $2,454,000 | 2,097 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,454,000 | 2,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,217 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,454,000 | 2,061 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,616,000 | 1,850 |
| Total interest expense | $3,430,000 | 1,465 |
| Net interest income | $5,186,000 | 2,095 |
| Provision for loan and lease losses | $310,000 | 1,464 |
| Total noninterest income | $528,000 | 3,392 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $342,000 | 2,353 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $186,000 | 3,892 |
| Total noninterest expense | $2,960,000 | 2,730 |
| Salaries and employee benefits | $1,498,000 | 2,927 |
| Premises and equipment expense | $408,000 | 2,795 |
| Additional noninterest expense | $1,054,000 | 2,309 |
| Pre-tax net operating income | $2,444,000 | 1,880 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $830,000 | 1,573 |
| Income before extraordinary items | $1,614,000 | 2,098 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,614,000 | 2,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,968 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,614,000 | 2,065 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,094,000 | 1,901 |
| Total interest expense | $1,654,000 | 1,443 |
| Net interest income | $2,440,000 | 2,198 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $279,000 | 3,217 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $163,000 | 2,397 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $116,000 | 3,465 |
| Total noninterest expense | $1,482,000 | 2,743 |
| Salaries and employee benefits | $749,000 | 2,930 |
| Premises and equipment expense | $197,000 | 2,917 |
| Additional noninterest expense | $536,000 | 2,274 |
| Pre-tax net operating income | $1,117,000 | 1,980 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $374,000 | 1,689 |
| Income before extraordinary items | $743,000 | 2,214 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $743,000 | 2,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 1,254 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $743,000 | 2,175 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,106,000 | 1,891 |
| Total interest expense | $5,914,000 | 1,392 |
| Net interest income | $9,192,000 | 2,227 |
| Provision for loan and lease losses | $740,000 | 1,388 |
| Total noninterest income | $829,000 | 3,958 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $666,000 | 2,486 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $163,000 | 5,521 |
| Total noninterest expense | $5,277,000 | 2,959 |
| Salaries and employee benefits | $2,687,000 | 3,157 |
| Premises and equipment expense | $784,000 | 2,837 |
| Additional noninterest expense | $1,806,000 | 2,645 |
| Pre-tax net operating income | $4,004,000 | 2,060 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,389,000 | 1,701 |
| Income before extraordinary items | $2,615,000 | 2,330 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,615,000 | 2,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $562,000 | 1,223 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,615,000 | 2,281 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,319,000 | 1,876 |
| Total interest expense | $4,390,000 | 1,373 |
| Net interest income | $6,929,000 | 2,190 |
| Provision for loan and lease losses | $590,000 | 1,253 |
| Total noninterest income | $617,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $490,000 | 2,542 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $127,000 | 5,461 |
| Total noninterest expense | $3,985,000 | 2,919 |
| Salaries and employee benefits | $2,007,000 | 3,113 |
| Premises and equipment expense | $596,000 | 2,802 |
| Additional noninterest expense | $1,382,000 | 2,564 |
| Pre-tax net operating income | $2,971,000 | 2,090 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,031,000 | 1,733 |
| Income before extraordinary items | $1,940,000 | 2,389 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,940,000 | 2,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $517,000 | 917 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,940,000 | 2,333 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,287,000 | 1,922 |
| Total interest expense | $2,873,000 | 1,384 |
| Net interest income | $4,414,000 | 2,267 |
| Provision for loan and lease losses | $260,000 | 1,774 |
| Total noninterest income | $405,000 | 4,057 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $302,000 | 2,697 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $103,000 | 5,109 |
| Total noninterest expense | $2,592,000 | 2,982 |
| Salaries and employee benefits | $1,308,000 | 3,199 |
| Premises and equipment expense | $391,000 | 2,835 |
| Additional noninterest expense | $893,000 | 2,643 |
| Pre-tax net operating income | $1,967,000 | 2,068 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $685,000 | 1,738 |
| Income before extraordinary items | $1,282,000 | 2,378 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,282,000 | 2,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,732 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,282,000 | 2,312 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,584,000 | 1,957 |
| Total interest expense | $1,383,000 | 1,452 |
| Net interest income | $2,201,000 | 2,272 |
| Provision for loan and lease losses | $140,000 | 1,616 |
| Total noninterest income | $228,000 | 3,729 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $146,000 | 2,732 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $82,000 | 4,114 |
| Total noninterest expense | $1,245,000 | 3,107 |
| Salaries and employee benefits | $645,000 | 3,246 |
| Premises and equipment expense | $202,000 | 2,787 |
| Additional noninterest expense | $398,000 | 2,932 |
| Pre-tax net operating income | $1,044,000 | 1,933 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $369,000 | 1,674 |
| Income before extraordinary items | $675,000 | 2,247 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $675,000 | 2,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $675,000 | 2,162 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,645,000 | 2,086 |
| Total interest expense | $5,542,000 | 1,626 |
| Net interest income | $8,103,000 | 2,404 |
| Provision for loan and lease losses | $915,000 | 1,291 |
| Total noninterest income | $586,000 | 5,026 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $488,000 | 3,147 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $98,000 | 6,567 |
| Total noninterest expense | $4,577,000 | 3,310 |
| Salaries and employee benefits | $2,144,000 | 3,704 |
| Premises and equipment expense | $708,000 | 3,056 |
| Additional noninterest expense | $1,725,000 | 2,723 |
| Pre-tax net operating income | $3,197,000 | 2,382 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,136,000 | 2,004 |
| Income before extraordinary items | $2,061,000 | 2,799 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,061,000 | 2,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $919,000 | 989 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,061,000 | 2,668 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,999,000 | 2,164 |
| Total interest expense | $4,131,000 | 1,706 |
| Net interest income | $5,868,000 | 2,491 |
| Provision for loan and lease losses | $415,000 | 1,969 |
| Total noninterest income | $375,000 | 5,481 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $346,000 | 3,306 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $29,000 | 7,883 |
| Total noninterest expense | $3,426,000 | 3,303 |
| Salaries and employee benefits | $1,643,000 | 3,624 |
| Premises and equipment expense | $517,000 | 3,132 |
| Additional noninterest expense | $1,266,000 | 2,752 |
| Pre-tax net operating income | $2,402,000 | 2,466 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $858,000 | 2,099 |
| Income before extraordinary items | $1,544,000 | 2,902 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,544,000 | 2,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 1,310 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,544,000 | 2,759 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,433,000 | 2,277 |
| Total interest expense | $2,745,000 | 1,761 |
| Net interest income | $3,688,000 | 2,640 |
| Provision for loan and lease losses | $185,000 | 2,635 |
| Total noninterest income | $228,000 | 5,693 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $228,000 | 3,295 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $0 | 9,111 |
| Total noninterest expense | $2,270,000 | 3,312 |
| Salaries and employee benefits | $1,089,000 | 3,635 |
| Premises and equipment expense | $337,000 | 3,179 |
| Additional noninterest expense | $844,000 | 2,753 |
| Pre-tax net operating income | $1,461,000 | 2,654 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $520,000 | 2,257 |
| Income before extraordinary items | $941,000 | 3,105 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $941,000 | 3,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 1,070 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $941,000 | 2,945 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 2,467 |
| Total interest expense | $1,359,000 | 1,826 |
| Net interest income | $1,628,000 | 2,936 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $138,000 | 5,100 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $116,000 | 3,170 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 6,771 |
| Total noninterest expense | $1,086,000 | 3,425 |
| Salaries and employee benefits | $539,000 | 3,664 |
| Premises and equipment expense | $180,000 | 3,019 |
| Additional noninterest expense | $367,000 | 3,068 |
| Pre-tax net operating income | $620,000 | 3,006 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $221,000 | 2,535 |
| Income before extraordinary items | $399,000 | 3,462 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $399,000 | 3,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 643 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $399,000 | 3,296 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,962,000 | 2,567 |
| Total interest expense | $6,149,000 | 1,855 |
| Net interest income | $5,813,000 | 3,230 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $574,000 | 4,846 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $455,000 | 3,207 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $119,000 | 6,078 |
| Total noninterest expense | $4,231,000 | 3,401 |
| Salaries and employee benefits | $1,968,000 | 3,786 |
| Premises and equipment expense | $639,000 | 3,227 |
| Additional noninterest expense | $1,624,000 | 2,767 |
| Pre-tax net operating income | $1,976,000 | 3,462 |
| Securities gains (losses) | $120,000 | 1,584 |
| Applicable income taxes | $751,000 | 2,703 |
| Income before extraordinary items | $1,345,000 | 3,797 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,345,000 | 3,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,986 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,268,200 | 3,840 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,312,000 | 2,752 |
| Total interest expense | $7,494,000 | 2,140 |
| Net interest income | $4,818,000 | 3,541 |
| Provision for loan and lease losses | $1,705,000 | 803 |
| Total noninterest income | $516,000 | 4,982 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $405,000 | 3,358 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $111,000 | 6,181 |
| Total noninterest expense | $2,939,000 | 4,409 |
| Salaries and employee benefits | $1,424,000 | 4,693 |
| Premises and equipment expense | $517,000 | 3,770 |
| Additional noninterest expense | $998,000 | 4,070 |
| Pre-tax net operating income | $690,000 | 5,862 |
| Securities gains (losses) | $858,000 | 435 |
| Applicable income taxes | $474,000 | 3,414 |
| Income before extraordinary items | $1,074,000 | 4,085 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,074,000 | 4,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 2,187 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $481,980 | 6,037 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,775,000 | 3,466 |
| Total interest expense | $5,796,000 | 2,880 |
| Net interest income | $3,979,000 | 4,198 |
| Provision for loan and lease losses | $210,000 | 3,626 |
| Total noninterest income | $561,000 | 4,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,448 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 4,897 |
| Total noninterest expense | $2,640,000 | 4,672 |
| Salaries and employee benefits | $1,349,000 | 4,757 |
| Premises and equipment expense | $439,000 | 4,204 |
| Additional noninterest expense | $852,000 | 4,528 |
| Pre-tax net operating income | $1,690,000 | 3,729 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $466,000 | 3,642 |
| Income before extraordinary items | $1,224,000 | 3,808 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,224,000 | 3,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,224,000 | 3,791 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,572,000 | 5,191 |
| Total interest expense | $3,000,000 | 4,606 |
| Net interest income | $2,572,000 | 5,702 |
| Provision for loan and lease losses | $160,000 | 4,104 |
| Total noninterest income | $428,000 | 5,414 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $371,000 | 3,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $1,966,000 | 5,753 |
| Salaries and employee benefits | $1,080,000 | 5,579 |
| Premises and equipment expense | $319,000 | 5,285 |
| Additional noninterest expense | $567,000 | 6,040 |
| Pre-tax net operating income | $874,000 | 5,675 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $163,000 | 6,119 |
| Income before extraordinary items | $711,000 | 5,409 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $711,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $711,000 | 5,380 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,271,000 | 7,205 |
| Total interest expense | $1,691,000 | 6,781 |
| Net interest income | $1,580,000 | 7,510 |
| Provision for loan and lease losses | $230,000 | 3,213 |
| Total noninterest income | $311,000 | 6,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,217 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,655 |
| Total noninterest expense | $1,622,000 | 6,385 |
| Salaries and employee benefits | $887,000 | 6,265 |
| Premises and equipment expense | $270,000 | 5,701 |
| Additional noninterest expense | $465,000 | 6,686 |
| Pre-tax net operating income | $39,000 | 9,656 |
| Securities gains (losses) | $143,000 | 1,073 |
| Applicable income taxes | $-163,000 | 10,290 |
| Income before extraordinary items | $345,000 | 7,561 |
| Extraordinary gains, net | $-53,000 | 10,418 |
| Net income | $292,000 | 7,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $202,000 | 8,532 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,586,000 | 9,568 |
| Total interest expense | $824,000 | 9,188 |
| Net interest income | $762,000 | 9,769 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $124,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,956 |
| Total noninterest expense | $1,273,000 | 7,441 |
| Salaries and employee benefits | $606,000 | 7,877 |
| Premises and equipment expense | $316,000 | 5,267 |
| Additional noninterest expense | $351,000 | 7,797 |
| Pre-tax net operating income | $-627,000 | 10,779 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-627,000 | 10,787 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-627,000 | 10,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-627,000 | 10,774 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $151,000 | 11,392 |
| Total interest expense | $36,000 | 11,376 |
| Net interest income | $115,000 | 11,386 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $28,000 | 11,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 9,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 10,521 |
| Total noninterest expense | $560,000 | 10,361 |
| Salaries and employee benefits | $286,000 | 10,464 |
| Premises and equipment expense | $136,000 | 8,382 |
| Additional noninterest expense | $138,000 | 10,704 |
| Pre-tax net operating income | $-497,000 | 11,236 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-497,000 | 11,267 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-497,000 | 11,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,709,000 | 160 |
| Net operating income | $-497,000 | 11,236 |
* 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.