RiverBank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,717,000 | 1,774 |
| Total interest expense | $9,810,000 | 1,707 |
| Net interest income | $12,907,000 | 1,786 |
| Provision for loan and lease losses | $743,000 | 1,345 |
| Total noninterest income | $3,483,000 | 1,434 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,175,000 | 1,523 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,308,000 | 1,213 |
| Total noninterest expense | $9,041,000 | 1,951 |
| Salaries and employee benefits | $5,118,000 | 1,904 |
| Premises and equipment expense | $1,284,000 | 1,962 |
| Additional noninterest expense | $2,639,000 | 2,010 |
| Pre-tax net operating income | $6,606,000 | 1,466 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,477,000 | 1,111 |
| Income before extraordinary items | $4,129,000 | 1,739 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,129,000 | 1,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,378 |
| Cash dividends | $400,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,129,000 | 1,725 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,565,000 | 1,820 |
| Total interest expense | $6,959,000 | 1,756 |
| Net interest income | $9,606,000 | 1,822 |
| Provision for loan and lease losses | $566,000 | 1,267 |
| Total noninterest income | $2,476,000 | 1,501 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $896,000 | 1,506 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,580,000 | 1,319 |
| Total noninterest expense | $6,672,000 | 1,973 |
| Salaries and employee benefits | $3,831,000 | 1,897 |
| Premises and equipment expense | $939,000 | 2,013 |
| Additional noninterest expense | $1,902,000 | 2,067 |
| Pre-tax net operating income | $4,844,000 | 1,543 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,804,000 | 1,188 |
| Income before extraordinary items | $3,040,000 | 1,811 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,040,000 | 1,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 1,763 |
| Cash dividends | $300,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,040,000 | 1,793 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,592,000 | 1,861 |
| Total interest expense | $4,276,000 | 1,802 |
| Net interest income | $6,316,000 | 1,840 |
| Provision for loan and lease losses | $354,000 | 1,298 |
| Total noninterest income | $1,644,000 | 1,511 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $574,000 | 1,545 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,070,000 | 1,293 |
| Total noninterest expense | $4,304,000 | 2,041 |
| Salaries and employee benefits | $2,536,000 | 1,918 |
| Premises and equipment expense | $622,000 | 2,022 |
| Additional noninterest expense | $1,146,000 | 2,269 |
| Pre-tax net operating income | $3,302,000 | 1,524 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,237,000 | 1,169 |
| Income before extraordinary items | $2,065,000 | 1,762 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,065,000 | 1,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,712 |
| Cash dividends | $300,000 | 3,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,065,000 | 1,751 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,104,000 | 1,879 |
| Total interest expense | $2,020,000 | 1,806 |
| Net interest income | $3,084,000 | 1,871 |
| Provision for loan and lease losses | $177,000 | 1,254 |
| Total noninterest income | $824,000 | 1,475 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $268,000 | 1,580 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $556,000 | 1,235 |
| Total noninterest expense | $2,158,000 | 2,050 |
| Salaries and employee benefits | $1,267,000 | 1,938 |
| Premises and equipment expense | $290,000 | 2,161 |
| Additional noninterest expense | $601,000 | 2,153 |
| Pre-tax net operating income | $1,573,000 | 1,557 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $591,000 | 1,214 |
| Income before extraordinary items | $982,000 | 1,823 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $982,000 | 1,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,493 |
| Cash dividends | $100,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $982,000 | 1,808 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,212,000 | 1,949 |
| Total interest expense | $5,514,000 | 2,030 |
| Net interest income | $11,698,000 | 1,888 |
| Provision for loan and lease losses | $713,000 | 1,393 |
| Total noninterest income | $3,386,000 | 1,454 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $920,000 | 1,869 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,466,000 | 1,171 |
| Total noninterest expense | $8,322,000 | 2,010 |
| Salaries and employee benefits | $4,590,000 | 2,007 |
| Premises and equipment expense | $1,269,000 | 1,905 |
| Additional noninterest expense | $2,463,000 | 2,040 |
| Pre-tax net operating income | $6,049,000 | 1,575 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,226,000 | 1,243 |
| Income before extraordinary items | $3,823,000 | 1,806 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,823,000 | 1,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,546 |
| Cash dividends | $325,000 | 4,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,823,000 | 1,779 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,366,000 | 1,976 |
| Total interest expense | $3,818,000 | 2,061 |
| Net interest income | $8,548,000 | 1,923 |
| Provision for loan and lease losses | $535,000 | 1,322 |
| Total noninterest income | $2,697,000 | 1,401 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $673,000 | 1,911 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,024,000 | 1,110 |
| Total noninterest expense | $6,228,000 | 1,993 |
| Salaries and employee benefits | $3,439,000 | 1,980 |
| Premises and equipment expense | $955,000 | 1,889 |
| Additional noninterest expense | $1,834,000 | 2,031 |
| Pre-tax net operating income | $4,482,000 | 1,595 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,652,000 | 1,271 |
| Income before extraordinary items | $2,830,000 | 1,854 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,830,000 | 1,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,700 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,830,000 | 1,815 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,754,000 | 2,040 |
| Total interest expense | $2,346,000 | 2,099 |
| Net interest income | $5,408,000 | 2,009 |
| Provision for loan and lease losses | $356,000 | 1,317 |
| Total noninterest income | $1,835,000 | 1,360 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $430,000 | 1,953 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,405,000 | 1,049 |
| Total noninterest expense | $4,119,000 | 2,002 |
| Salaries and employee benefits | $2,288,000 | 1,978 |
| Premises and equipment expense | $634,000 | 1,886 |
| Additional noninterest expense | $1,197,000 | 2,055 |
| Pre-tax net operating income | $2,768,000 | 1,672 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,024,000 | 1,355 |
| Income before extraordinary items | $1,744,000 | 1,951 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,744,000 | 1,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,501 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,744,000 | 1,917 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,616,000 | 2,137 |
| Total interest expense | $1,068,000 | 2,199 |
| Net interest income | $2,548,000 | 2,118 |
| Provision for loan and lease losses | $178,000 | 1,244 |
| Total noninterest income | $758,000 | 1,554 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $214,000 | 1,893 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $544,000 | 1,251 |
| Total noninterest expense | $2,117,000 | 1,953 |
| Salaries and employee benefits | $1,160,000 | 1,964 |
| Premises and equipment expense | $315,000 | 1,898 |
| Additional noninterest expense | $642,000 | 1,910 |
| Pre-tax net operating income | $1,011,000 | 2,156 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $368,000 | 1,707 |
| Income before extraordinary items | $643,000 | 2,469 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $643,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $643,000 | 2,430 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,757,000 | 2,247 |
| Total interest expense | $3,452,000 | 2,329 |
| Net interest income | $9,305,000 | 2,192 |
| Provision for loan and lease losses | $456,000 | 2,123 |
| Total noninterest income | $4,161,000 | 1,233 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,055,000 | 1,667 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,106,000 | 953 |
| Total noninterest expense | $7,678,000 | 2,075 |
| Salaries and employee benefits | $4,337,000 | 2,009 |
| Premises and equipment expense | $1,117,000 | 2,054 |
| Additional noninterest expense | $2,224,000 | 2,191 |
| Pre-tax net operating income | $5,332,000 | 1,596 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,806,000 | 1,395 |
| Income before extraordinary items | $3,526,000 | 1,798 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,526,000 | 1,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,878 |
| Cash dividends | $200,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,526,000 | 1,755 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,223,000 | 2,308 |
| Total interest expense | $2,498,000 | 2,365 |
| Net interest income | $6,725,000 | 2,246 |
| Provision for loan and lease losses | $342,000 | 2,049 |
| Total noninterest income | $3,050,000 | 1,288 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $791,000 | 1,673 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,259,000 | 986 |
| Total noninterest expense | $5,672,000 | 2,108 |
| Salaries and employee benefits | $3,237,000 | 2,011 |
| Premises and equipment expense | $837,000 | 2,070 |
| Additional noninterest expense | $1,598,000 | 2,265 |
| Pre-tax net operating income | $3,761,000 | 1,711 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,269,000 | 1,476 |
| Income before extraordinary items | $2,492,000 | 1,908 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,492,000 | 1,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,894 |
| Cash dividends | $200,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,492,000 | 1,861 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,933,000 | 2,376 |
| Total interest expense | $1,610,000 | 2,413 |
| Net interest income | $4,323,000 | 2,308 |
| Provision for loan and lease losses | $228,000 | 1,988 |
| Total noninterest income | $1,940,000 | 1,314 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $523,000 | 1,674 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,417,000 | 1,030 |
| Total noninterest expense | $3,784,000 | 2,117 |
| Salaries and employee benefits | $2,191,000 | 1,987 |
| Premises and equipment expense | $564,000 | 2,039 |
| Additional noninterest expense | $1,029,000 | 2,330 |
| Pre-tax net operating income | $2,251,000 | 1,861 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $793,000 | 1,537 |
| Income before extraordinary items | $1,458,000 | 2,124 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,458,000 | 2,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,214 |
| Cash dividends | $200,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,458,000 | 2,065 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,873,000 | 2,445 |
| Total interest expense | $789,000 | 2,485 |
| Net interest income | $2,084,000 | 2,396 |
| Provision for loan and lease losses | $114,000 | 1,928 |
| Total noninterest income | $928,000 | 1,332 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $258,000 | 1,652 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $670,000 | 1,043 |
| Total noninterest expense | $1,886,000 | 2,124 |
| Salaries and employee benefits | $1,095,000 | 2,010 |
| Premises and equipment expense | $285,000 | 2,027 |
| Additional noninterest expense | $506,000 | 2,332 |
| Pre-tax net operating income | $1,012,000 | 1,990 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $352,000 | 1,717 |
| Income before extraordinary items | $660,000 | 2,296 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $660,000 | 2,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,783 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $660,000 | 2,213 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,044,000 | 2,572 |
| Total interest expense | $3,048,000 | 2,822 |
| Net interest income | $7,996,000 | 2,430 |
| Provision for loan and lease losses | $626,000 | 1,782 |
| Total noninterest income | $5,934,000 | 987 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $952,000 | 1,821 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,982,000 | 767 |
| Total noninterest expense | $7,902,000 | 2,001 |
| Salaries and employee benefits | $4,576,000 | 1,880 |
| Premises and equipment expense | $1,018,000 | 2,227 |
| Additional noninterest expense | $2,308,000 | 2,089 |
| Pre-tax net operating income | $5,402,000 | 1,519 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $1,965,000 | 1,307 |
| Income before extraordinary items | $3,440,000 | 1,811 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,440,000 | 1,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,613 |
| Cash dividends | $1,035,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,438,080 | 1,731 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,198,000 | 2,634 |
| Total interest expense | $2,293,000 | 2,910 |
| Net interest income | $5,905,000 | 2,482 |
| Provision for loan and lease losses | $512,000 | 1,630 |
| Total noninterest income | $4,961,000 | 933 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $683,000 | 1,893 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,278,000 | 715 |
| Total noninterest expense | $5,773,000 | 2,056 |
| Salaries and employee benefits | $3,571,000 | 1,820 |
| Premises and equipment expense | $693,000 | 2,433 |
| Additional noninterest expense | $1,509,000 | 2,379 |
| Pre-tax net operating income | $4,581,000 | 1,412 |
| Securities gains (losses) | $3,000 | 3,777 |
| Applicable income taxes | $1,694,000 | 1,212 |
| Income before extraordinary items | $2,890,000 | 1,668 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,890,000 | 1,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,148 |
| Cash dividends | $835,000 | 1,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,888,080 | 1,584 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,376,000 | 2,699 |
| Total interest expense | $1,536,000 | 2,979 |
| Net interest income | $3,840,000 | 2,534 |
| Provision for loan and lease losses | $298,000 | 1,882 |
| Total noninterest income | $3,165,000 | 963 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $430,000 | 1,959 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,735,000 | 723 |
| Total noninterest expense | $3,709,000 | 2,119 |
| Salaries and employee benefits | $2,301,000 | 1,863 |
| Premises and equipment expense | $453,000 | 2,460 |
| Additional noninterest expense | $955,000 | 2,471 |
| Pre-tax net operating income | $2,998,000 | 1,424 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $1,103,000 | 1,264 |
| Income before extraordinary items | $1,898,000 | 1,708 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,898,000 | 1,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 2,460 |
| Cash dividends | $535,000 | 2,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,896,080 | 1,605 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,698,000 | 2,701 |
| Total interest expense | $770,000 | 3,037 |
| Net interest income | $1,928,000 | 2,517 |
| Provision for loan and lease losses | $114,000 | 2,170 |
| Total noninterest income | $1,411,000 | 1,020 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $207,000 | 1,965 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,204,000 | 777 |
| Total noninterest expense | $1,825,000 | 2,152 |
| Salaries and employee benefits | $1,129,000 | 1,895 |
| Premises and equipment expense | $228,000 | 2,440 |
| Additional noninterest expense | $468,000 | 2,484 |
| Pre-tax net operating income | $1,400,000 | 1,510 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $515,000 | 1,342 |
| Income before extraordinary items | $885,000 | 1,790 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $885,000 | 1,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $270,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $885,000 | 1,674 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,662,000 | 2,852 |
| Total interest expense | $3,665,000 | 2,967 |
| Net interest income | $6,997,000 | 2,732 |
| Provision for loan and lease losses | $474,000 | 2,491 |
| Total noninterest income | $4,488,000 | 1,158 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $798,000 | 2,000 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,690,000 | 874 |
| Total noninterest expense | $6,607,000 | 2,260 |
| Salaries and employee benefits | $3,670,000 | 2,185 |
| Premises and equipment expense | $881,000 | 2,455 |
| Additional noninterest expense | $2,056,000 | 2,245 |
| Pre-tax net operating income | $4,404,000 | 1,835 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,549,000 | 1,606 |
| Income before extraordinary items | $2,855,000 | 2,095 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,855,000 | 2,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,280 |
| Cash dividends | $652,000 | 3,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,855,000 | 2,024 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,460,000 | 3,190 |
| Total interest expense | $4,807,000 | 3,255 |
| Net interest income | $5,653,000 | 3,104 |
| Provision for loan and lease losses | $394,000 | 2,655 |
| Total noninterest income | $3,942,000 | 1,193 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $785,000 | 1,939 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,157,000 | 908 |
| Total noninterest expense | $5,458,000 | 2,598 |
| Salaries and employee benefits | $3,221,000 | 2,328 |
| Premises and equipment expense | $711,000 | 2,905 |
| Additional noninterest expense | $1,526,000 | 2,829 |
| Pre-tax net operating income | $3,743,000 | 1,878 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,211,000 | 1,793 |
| Income before extraordinary items | $2,532,000 | 2,061 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,532,000 | 2,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,402 |
| Cash dividends | $641,000 | 3,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,532,000 | 1,987 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,702,000 | 3,489 |
| Total interest expense | $4,457,000 | 3,651 |
| Net interest income | $5,245,000 | 3,331 |
| Provision for loan and lease losses | $216,000 | 3,567 |
| Total noninterest income | $1,938,000 | 1,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $727,000 | 1,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,211,000 | 1,647 |
| Total noninterest expense | $4,814,000 | 2,813 |
| Salaries and employee benefits | $2,330,000 | 3,019 |
| Premises and equipment expense | $770,000 | 2,665 |
| Additional noninterest expense | $1,714,000 | 2,500 |
| Pre-tax net operating income | $2,153,000 | 3,134 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $650,000 | 2,956 |
| Income before extraordinary items | $1,503,000 | 3,248 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,503,000 | 3,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,551 |
| Cash dividends | $603,000 | 3,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,503,000 | 3,246 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,404,000 | 4,193 |
| Total interest expense | $3,054,000 | 4,537 |
| Net interest income | $4,350,000 | 3,894 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $1,456,000 | 2,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $531,000 | 2,499 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $925,000 | 1,968 |
| Total noninterest expense | $4,051,000 | 3,274 |
| Salaries and employee benefits | $2,087,000 | 3,304 |
| Premises and equipment expense | $734,000 | 2,760 |
| Additional noninterest expense | $1,230,000 | 3,356 |
| Pre-tax net operating income | $1,635,000 | 3,864 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $510,000 | 3,602 |
| Income before extraordinary items | $1,125,000 | 4,063 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,125,000 | 4,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $418,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,125,000 | 4,031 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,255,000 | 4,847 |
| Total interest expense | $2,821,000 | 4,939 |
| Net interest income | $3,434,000 | 4,665 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,414,000 | 2,372 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $475,000 | 2,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $939,000 | 1,951 |
| Total noninterest expense | $3,381,000 | 3,720 |
| Salaries and employee benefits | $1,746,000 | 3,760 |
| Premises and equipment expense | $561,000 | 3,376 |
| Additional noninterest expense | $1,074,000 | 3,709 |
| Pre-tax net operating income | $1,347,000 | 4,506 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $407,000 | 4,371 |
| Income before extraordinary items | $940,000 | 4,684 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $940,000 | 4,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,658 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $940,000 | 4,597 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,304,000 | 5,559 |
| Total interest expense | $2,271,000 | 5,763 |
| Net interest income | $3,033,000 | 5,261 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $1,099,000 | 2,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $497,000 | 2,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $602,000 | 2,465 |
| Total noninterest expense | $2,609,000 | 4,617 |
| Salaries and employee benefits | $1,304,000 | 4,775 |
| Premises and equipment expense | $429,000 | 4,199 |
| Additional noninterest expense | $876,000 | 4,411 |
| Pre-tax net operating income | $1,403,000 | 4,721 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $440,000 | 4,599 |
| Income before extraordinary items | $963,000 | 4,829 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $963,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $319,000 | 4,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $963,000 | 4,774 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,243,000 | 6,636 |
| Total interest expense | $1,784,000 | 6,874 |
| Net interest income | $2,459,000 | 6,264 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $1,209,000 | 2,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $797,000 | 2,111 |
| Total noninterest expense | $2,220,000 | 5,504 |
| Salaries and employee benefits | $1,150,000 | 5,397 |
| Premises and equipment expense | $329,000 | 5,238 |
| Additional noninterest expense | $741,000 | 5,508 |
| Pre-tax net operating income | $1,328,000 | 4,764 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $431,000 | 4,652 |
| Income before extraordinary items | $897,000 | 4,883 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $897,000 | 4,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $19,000 | 8,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $897,000 | 4,828 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,711,000 | 7,297 |
| Total interest expense | $1,519,000 | 7,645 |
| Net interest income | $2,192,000 | 6,884 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $852,000 | 3,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,592 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $483,000 | 2,945 |
| Total noninterest expense | $1,874,000 | 6,294 |
| Salaries and employee benefits | $964,000 | 6,227 |
| Premises and equipment expense | $226,000 | 6,736 |
| Additional noninterest expense | $684,000 | 5,969 |
| Pre-tax net operating income | $1,050,000 | 5,795 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $300,000 | 5,992 |
| Income before extraordinary items | $750,000 | 5,715 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $750,000 | 5,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,953 |
| Cash dividends | $19,000 | 8,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $750,000 | 5,685 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,156,000 | 7,822 |
| Total interest expense | $1,112,000 | 8,249 |
| Net interest income | $2,044,000 | 7,464 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $764,000 | 3,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 4,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $458,000 | 3,133 |
| Total noninterest expense | $1,636,000 | 7,182 |
| Salaries and employee benefits | $833,000 | 7,026 |
| Premises and equipment expense | $204,000 | 7,342 |
| Additional noninterest expense | $599,000 | 7,052 |
| Pre-tax net operating income | $1,052,000 | 5,746 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $325,000 | 5,574 |
| Income before extraordinary items | $727,000 | 5,751 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $727,000 | 5,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $290,000 | 4,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $727,000 | 5,826 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,838,000 | 8,601 |
| Total interest expense | $1,154,000 | 8,464 |
| Net interest income | $1,684,000 | 8,535 |
| Provision for loan and lease losses | $132,000 | 4,966 |
| Total noninterest income | $787,000 | 4,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $499,000 | 3,274 |
| Total noninterest expense | $1,411,000 | 8,143 |
| Salaries and employee benefits | $728,000 | 7,795 |
| Premises and equipment expense | $187,000 | 7,960 |
| Additional noninterest expense | $496,000 | 8,251 |
| Pre-tax net operating income | $928,000 | 6,217 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $289,000 | 6,213 |
| Income before extraordinary items | $638,000 | 6,510 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $638,000 | 6,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 5,209 |
| Cash dividends | $319,000 | 4,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $638,690 | 6,263 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,109,000 | 8,783 |
| Total interest expense | $1,435,000 | 8,726 |
| Net interest income | $1,674,000 | 8,736 |
| Provision for loan and lease losses | $162,000 | 5,880 |
| Total noninterest income | $651,000 | 4,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,456 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $352,000 | 4,024 |
| Total noninterest expense | $1,369,000 | 8,409 |
| Salaries and employee benefits | $678,000 | 8,158 |
| Premises and equipment expense | $190,000 | 8,078 |
| Additional noninterest expense | $501,000 | 8,449 |
| Pre-tax net operating income | $794,000 | 6,595 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $248,000 | 6,693 |
| Income before extraordinary items | $546,000 | 6,950 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $546,000 | 7,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 5,812 |
| Cash dividends | $227,000 | 4,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $546,000 | 6,593 |
* 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.