Home > Rossville Bank > Income and Expense
Rossville Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,076,000 | 4,895 |
| Total interest expense | $1,604,000 | 5,830 |
| Net interest income | $4,472,000 | 4,245 |
| Provision for loan and lease losses | $300,000 | 4,610 |
| Total noninterest income | $812,000 | 3,846 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $567,000 | 2,755 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $245,000 | 4,483 |
| Total noninterest expense | $3,939,000 | 4,288 |
| Salaries and employee benefits | $1,977,000 | 4,498 |
| Premises and equipment expense | $464,000 | 4,670 |
| Additional noninterest expense | $1,498,000 | 3,617 |
| Pre-tax net operating income | $1,045,000 | 3,679 |
| Securities gains (losses) | $-697,000 | 7,626 |
| Applicable income taxes | $8,000 | 4,579 |
| Income before extraordinary items | $340,000 | 4,952 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $340,000 | 4,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 4,016 |
| Cash dividends | $1,008,000 | 2,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,023,060 | 3,393 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,546,000 | 4,983 |
| Total interest expense | $1,239,000 | 5,885 |
| Net interest income | $3,307,000 | 4,303 |
| Provision for loan and lease losses | $225,000 | 4,003 |
| Total noninterest income | $599,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $421,000 | 2,794 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $178,000 | 4,663 |
| Total noninterest expense | $2,974,000 | 4,244 |
| Salaries and employee benefits | $1,507,000 | 4,458 |
| Premises and equipment expense | $363,000 | 4,562 |
| Additional noninterest expense | $1,104,000 | 3,599 |
| Pre-tax net operating income | $707,000 | 4,324 |
| Securities gains (losses) | $-658,000 | 7,825 |
| Applicable income taxes | $8,000 | 4,921 |
| Income before extraordinary items | $41,000 | 6,444 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $41,000 | 6,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 3,186 |
| Cash dividends | $1,008,000 | 1,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $593,720 | 4,302 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,033,000 | 5,043 |
| Total interest expense | $853,000 | 5,958 |
| Net interest income | $2,180,000 | 4,340 |
| Provision for loan and lease losses | $150,000 | 3,592 |
| Total noninterest income | $369,000 | 4,179 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $269,000 | 2,856 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $100,000 | 5,056 |
| Total noninterest expense | $1,972,000 | 4,280 |
| Salaries and employee benefits | $1,007,000 | 4,494 |
| Premises and equipment expense | $240,000 | 4,619 |
| Additional noninterest expense | $725,000 | 3,620 |
| Pre-tax net operating income | $427,000 | 4,676 |
| Securities gains (losses) | $19,000 | 2,087 |
| Applicable income taxes | $8,000 | 5,072 |
| Income before extraordinary items | $438,000 | 4,288 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $438,000 | 4,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,520 |
| Cash dividends | $630,000 | 1,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $419,380 | 4,321 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,545,000 | 5,081 |
| Total interest expense | $454,000 | 5,976 |
| Net interest income | $1,091,000 | 4,345 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $190,000 | 4,101 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $131,000 | 2,879 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $59,000 | 4,725 |
| Total noninterest expense | $983,000 | 4,292 |
| Salaries and employee benefits | $511,000 | 4,475 |
| Premises and equipment expense | $123,000 | 4,560 |
| Additional noninterest expense | $349,000 | 3,682 |
| Pre-tax net operating income | $223,000 | 4,752 |
| Securities gains (losses) | $19,000 | 1,626 |
| Applicable income taxes | $8,000 | 4,911 |
| Income before extraordinary items | $234,000 | 4,337 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $234,000 | 4,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,745 |
| Cash dividends | $630,000 | 1,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $215,570 | 4,409 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,907,000 | 4,768 |
| Total interest expense | $2,197,000 | 5,613 |
| Net interest income | $4,710,000 | 4,176 |
| Provision for loan and lease losses | $150,000 | 4,308 |
| Total noninterest income | $790,000 | 4,028 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $551,000 | 2,846 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $239,000 | 4,692 |
| Total noninterest expense | $4,057,000 | 4,081 |
| Salaries and employee benefits | $2,193,000 | 4,097 |
| Premises and equipment expense | $485,000 | 4,460 |
| Additional noninterest expense | $1,379,000 | 3,663 |
| Pre-tax net operating income | $1,293,000 | 4,201 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $32,000 | 5,185 |
| Income before extraordinary items | $1,261,000 | 3,832 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,261,000 | 3,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,488 |
| Cash dividends | $1,194,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,261,000 | 3,820 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,242,000 | 4,760 |
| Total interest expense | $1,675,000 | 5,583 |
| Net interest income | $3,567,000 | 4,164 |
| Provision for loan and lease losses | $98,000 | 4,156 |
| Total noninterest income | $560,000 | 4,154 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $412,000 | 2,836 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $148,000 | 5,121 |
| Total noninterest expense | $3,020,000 | 4,072 |
| Salaries and employee benefits | $1,626,000 | 4,116 |
| Premises and equipment expense | $369,000 | 4,399 |
| Additional noninterest expense | $1,025,000 | 3,629 |
| Pre-tax net operating income | $1,009,000 | 4,337 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $24,000 | 5,380 |
| Income before extraordinary items | $985,000 | 3,927 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $985,000 | 3,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,659 |
| Cash dividends | $1,194,000 | 1,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $985,000 | 3,912 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,506,000 | 4,758 |
| Total interest expense | $1,099,000 | 5,634 |
| Net interest income | $2,407,000 | 4,157 |
| Provision for loan and lease losses | $53,000 | 4,306 |
| Total noninterest income | $366,000 | 4,228 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $267,000 | 2,890 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $99,000 | 5,143 |
| Total noninterest expense | $2,019,000 | 4,103 |
| Salaries and employee benefits | $1,090,000 | 4,138 |
| Premises and equipment expense | $246,000 | 4,433 |
| Additional noninterest expense | $683,000 | 3,634 |
| Pre-tax net operating income | $701,000 | 4,310 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $16,000 | 5,455 |
| Income before extraordinary items | $685,000 | 3,869 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $685,000 | 3,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 1,774 |
| Cash dividends | $1,194,000 | 1,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $685,000 | 3,859 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,736,000 | 4,781 |
| Total interest expense | $554,000 | 5,596 |
| Net interest income | $1,182,000 | 4,211 |
| Provision for loan and lease losses | $23,000 | 4,237 |
| Total noninterest income | $170,000 | 4,355 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $124,000 | 2,997 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $1,016,000 | 4,089 |
| Salaries and employee benefits | $548,000 | 4,148 |
| Premises and equipment expense | $124,000 | 4,417 |
| Additional noninterest expense | $344,000 | 3,578 |
| Pre-tax net operating income | $313,000 | 4,560 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $8,000 | 5,466 |
| Income before extraordinary items | $305,000 | 4,128 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $305,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $746,000 | 1,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $305,000 | 4,105 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,737,000 | 4,669 |
| Total interest expense | $1,712,000 | 5,806 |
| Net interest income | $5,025,000 | 3,993 |
| Provision for loan and lease losses | $70,000 | 5,172 |
| Total noninterest income | $715,000 | 4,312 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $527,000 | 2,951 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $188,000 | 5,228 |
| Total noninterest expense | $4,135,000 | 3,894 |
| Salaries and employee benefits | $2,258,000 | 3,901 |
| Premises and equipment expense | $500,000 | 4,268 |
| Additional noninterest expense | $1,377,000 | 3,532 |
| Pre-tax net operating income | $1,535,000 | 4,236 |
| Securities gains (losses) | $6,000 | 1,217 |
| Applicable income taxes | $49,000 | 5,462 |
| Income before extraordinary items | $1,492,000 | 3,793 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,492,000 | 3,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,595 |
| Cash dividends | $1,422,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,486,180 | 3,779 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,989,000 | 4,699 |
| Total interest expense | $1,215,000 | 5,888 |
| Net interest income | $3,774,000 | 4,008 |
| Provision for loan and lease losses | $55,000 | 4,965 |
| Total noninterest income | $516,000 | 4,398 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $396,000 | 2,969 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 5,522 |
| Total noninterest expense | $3,085,000 | 3,900 |
| Salaries and employee benefits | $1,685,000 | 3,906 |
| Premises and equipment expense | $378,000 | 4,248 |
| Additional noninterest expense | $1,022,000 | 3,547 |
| Pre-tax net operating income | $1,150,000 | 4,409 |
| Securities gains (losses) | $6,000 | 998 |
| Applicable income taxes | $36,000 | 5,635 |
| Income before extraordinary items | $1,120,000 | 3,892 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,120,000 | 3,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,946 |
| Cash dividends | $1,422,000 | 1,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,114,180 | 3,892 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,247,000 | 4,728 |
| Total interest expense | $755,000 | 5,960 |
| Net interest income | $2,492,000 | 4,055 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $335,000 | 4,456 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $258,000 | 3,001 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $77,000 | 5,619 |
| Total noninterest expense | $2,038,000 | 3,957 |
| Salaries and employee benefits | $1,121,000 | 3,941 |
| Premises and equipment expense | $249,000 | 4,280 |
| Additional noninterest expense | $668,000 | 3,621 |
| Pre-tax net operating income | $749,000 | 4,472 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $22,000 | 5,757 |
| Income before extraordinary items | $727,000 | 3,975 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $727,000 | 3,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $1,422,000 | 1,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $727,000 | 3,964 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,569,000 | 4,762 |
| Total interest expense | $338,000 | 6,123 |
| Net interest income | $1,231,000 | 4,092 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $155,000 | 4,596 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $122,000 | 3,048 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $33,000 | 5,895 |
| Total noninterest expense | $1,019,000 | 3,969 |
| Salaries and employee benefits | $560,000 | 3,951 |
| Premises and equipment expense | $125,000 | 4,297 |
| Additional noninterest expense | $334,000 | 3,578 |
| Pre-tax net operating income | $342,000 | 4,641 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $9,000 | 5,806 |
| Income before extraordinary items | $333,000 | 4,142 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $333,000 | 4,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $662,000 | 1,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $333,000 | 4,125 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,887,000 | 4,650 |
| Total interest expense | $954,000 | 6,385 |
| Net interest income | $4,933,000 | 3,988 |
| Provision for loan and lease losses | $75,000 | 5,186 |
| Total noninterest income | $814,000 | 4,004 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $580,000 | 2,733 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $234,000 | 4,860 |
| Total noninterest expense | $3,989,000 | 3,866 |
| Salaries and employee benefits | $2,106,000 | 3,972 |
| Premises and equipment expense | $510,000 | 4,117 |
| Additional noninterest expense | $1,373,000 | 3,470 |
| Pre-tax net operating income | $1,683,000 | 4,113 |
| Securities gains (losses) | $-10,000 | 7,535 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,673,000 | 3,524 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,673,000 | 3,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,377 |
| Cash dividends | $1,042,000 | 2,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,683,000 | 3,484 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,349,000 | 4,663 |
| Total interest expense | $667,000 | 6,482 |
| Net interest income | $3,682,000 | 4,002 |
| Provision for loan and lease losses | $55,000 | 5,056 |
| Total noninterest income | $584,000 | 4,126 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $435,000 | 2,723 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $149,000 | 5,195 |
| Total noninterest expense | $2,968,000 | 3,867 |
| Salaries and employee benefits | $1,564,000 | 3,967 |
| Premises and equipment expense | $381,000 | 4,113 |
| Additional noninterest expense | $1,023,000 | 3,447 |
| Pre-tax net operating income | $1,243,000 | 4,219 |
| Securities gains (losses) | $-10,000 | 7,915 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,233,000 | 3,596 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,233,000 | 3,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,717 |
| Cash dividends | $1,042,000 | 1,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,243,000 | 3,548 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,819,000 | 4,691 |
| Total interest expense | $411,000 | 6,542 |
| Net interest income | $2,408,000 | 4,041 |
| Provision for loan and lease losses | $40,000 | 4,850 |
| Total noninterest income | $393,000 | 4,096 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $295,000 | 2,656 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $98,000 | 5,236 |
| Total noninterest expense | $1,959,000 | 3,875 |
| Salaries and employee benefits | $1,039,000 | 3,958 |
| Premises and equipment expense | $250,000 | 4,149 |
| Additional noninterest expense | $670,000 | 3,473 |
| Pre-tax net operating income | $802,000 | 4,280 |
| Securities gains (losses) | $-10,000 | 8,138 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $792,000 | 3,656 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $792,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,614 |
| Cash dividends | $1,042,000 | 1,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $802,000 | 3,583 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,347,000 | 4,811 |
| Total interest expense | $193,000 | 6,633 |
| Net interest income | $1,154,000 | 4,192 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $206,000 | 3,905 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $140,000 | 2,694 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $66,000 | 4,568 |
| Total noninterest expense | $968,000 | 3,939 |
| Salaries and employee benefits | $520,000 | 3,977 |
| Premises and equipment expense | $124,000 | 4,218 |
| Additional noninterest expense | $324,000 | 3,576 |
| Pre-tax net operating income | $367,000 | 4,490 |
| Securities gains (losses) | $-9,000 | 8,513 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $358,000 | 3,908 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $358,000 | 3,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $650,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $367,000 | 3,800 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,111,000 | 4,769 |
| Total interest expense | $741,000 | 6,444 |
| Net interest income | $4,370,000 | 4,212 |
| Provision for loan and lease losses | $130,000 | 4,479 |
| Total noninterest income | $866,000 | 3,858 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $596,000 | 2,717 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $270,000 | 4,473 |
| Total noninterest expense | $3,832,000 | 3,887 |
| Salaries and employee benefits | $2,007,000 | 3,990 |
| Premises and equipment expense | $547,000 | 3,811 |
| Additional noninterest expense | $1,278,000 | 3,572 |
| Pre-tax net operating income | $1,274,000 | 4,643 |
| Securities gains (losses) | $28,000 | 2,163 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,302,000 | 3,979 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,302,000 | 3,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,821 |
| Cash dividends | $1,022,000 | 2,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,274,000 | 3,991 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,788,000 | 4,799 |
| Total interest expense | $549,000 | 6,467 |
| Net interest income | $3,239,000 | 4,238 |
| Provision for loan and lease losses | $100,000 | 4,260 |
| Total noninterest income | $603,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $444,000 | 2,752 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $159,000 | 4,995 |
| Total noninterest expense | $2,852,000 | 3,868 |
| Salaries and employee benefits | $1,500,000 | 3,950 |
| Premises and equipment expense | $416,000 | 3,769 |
| Additional noninterest expense | $936,000 | 3,597 |
| Pre-tax net operating income | $890,000 | 4,911 |
| Securities gains (losses) | $18,000 | 2,374 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $908,000 | 4,244 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $908,000 | 4,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,016 |
| Cash dividends | $840,000 | 1,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $890,000 | 4,229 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,486,000 | 4,862 |
| Total interest expense | $364,000 | 6,515 |
| Net interest income | $2,122,000 | 4,297 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $401,000 | 4,085 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $290,000 | 2,784 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $111,000 | 4,953 |
| Total noninterest expense | $1,875,000 | 3,950 |
| Salaries and employee benefits | $994,000 | 3,999 |
| Premises and equipment expense | $273,000 | 3,808 |
| Additional noninterest expense | $608,000 | 3,709 |
| Pre-tax net operating income | $598,000 | 4,841 |
| Securities gains (losses) | $18,000 | 2,100 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $616,000 | 4,183 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $616,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $840,000 | 1,485 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $598,000 | 4,178 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 4,970 |
| Total interest expense | $182,000 | 6,586 |
| Net interest income | $1,029,000 | 4,392 |
| Provision for loan and lease losses | $35,000 | 3,916 |
| Total noninterest income | $194,000 | 4,135 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $140,000 | 2,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $54,000 | 4,970 |
| Total noninterest expense | $924,000 | 4,012 |
| Salaries and employee benefits | $498,000 | 4,016 |
| Premises and equipment expense | $134,000 | 3,902 |
| Additional noninterest expense | $292,000 | 3,824 |
| Pre-tax net operating income | $264,000 | 5,129 |
| Securities gains (losses) | $18,000 | 1,769 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $282,000 | 4,437 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $282,000 | 4,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,675 |
| Cash dividends | $615,000 | 1,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $264,000 | 4,481 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,263,000 | 4,717 |
| Total interest expense | $966,000 | 6,212 |
| Net interest income | $4,297,000 | 4,143 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $927,000 | 3,881 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $590,000 | 2,730 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $337,000 | 4,279 |
| Total noninterest expense | $3,825,000 | 3,835 |
| Salaries and employee benefits | $1,981,000 | 3,954 |
| Premises and equipment expense | $564,000 | 3,695 |
| Additional noninterest expense | $1,280,000 | 3,537 |
| Pre-tax net operating income | $1,159,000 | 4,779 |
| Securities gains (losses) | $72,000 | 2,185 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,231,000 | 4,072 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,231,000 | 4,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,531 |
| Cash dividends | $1,200,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,159,000 | 4,063 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,028,000 | 4,700 |
| Total interest expense | $775,000 | 6,162 |
| Net interest income | $3,253,000 | 4,133 |
| Provision for loan and lease losses | $195,000 | 3,379 |
| Total noninterest income | $677,000 | 4,017 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $434,000 | 2,778 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $243,000 | 4,432 |
| Total noninterest expense | $2,851,000 | 3,847 |
| Salaries and employee benefits | $1,487,000 | 3,944 |
| Premises and equipment expense | $429,000 | 3,657 |
| Additional noninterest expense | $935,000 | 3,602 |
| Pre-tax net operating income | $884,000 | 4,876 |
| Securities gains (losses) | $65,000 | 2,100 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $949,000 | 4,122 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $949,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 2,880 |
| Cash dividends | $1,200,000 | 1,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $884,000 | 4,168 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,782,000 | 4,628 |
| Total interest expense | $563,000 | 6,024 |
| Net interest income | $2,219,000 | 4,059 |
| Provision for loan and lease losses | $135,000 | 3,272 |
| Total noninterest income | $407,000 | 4,202 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $279,000 | 2,810 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $128,000 | 4,871 |
| Total noninterest expense | $1,879,000 | 3,868 |
| Salaries and employee benefits | $999,000 | 3,919 |
| Premises and equipment expense | $286,000 | 3,641 |
| Additional noninterest expense | $594,000 | 3,729 |
| Pre-tax net operating income | $612,000 | 4,781 |
| Securities gains (losses) | $65,000 | 1,837 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $677,000 | 3,957 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $677,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,259 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $612,000 | 4,031 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 4,577 |
| Total interest expense | $301,000 | 5,928 |
| Net interest income | $1,116,000 | 4,054 |
| Provision for loan and lease losses | $68,000 | 3,104 |
| Total noninterest income | $195,000 | 4,228 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $136,000 | 2,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 4,952 |
| Total noninterest expense | $930,000 | 3,891 |
| Salaries and employee benefits | $502,000 | 3,887 |
| Premises and equipment expense | $144,000 | 3,607 |
| Additional noninterest expense | $284,000 | 3,816 |
| Pre-tax net operating income | $313,000 | 4,683 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $313,000 | 4,117 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $313,000 | 4,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,529 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $313,000 | 3,928 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,282,000 | 4,423 |
| Total interest expense | $1,625,000 | 5,475 |
| Net interest income | $4,657,000 | 3,870 |
| Provision for loan and lease losses | $223,000 | 4,139 |
| Total noninterest income | $765,000 | 4,110 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $522,000 | 2,869 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $243,000 | 4,660 |
| Total noninterest expense | $3,720,000 | 3,762 |
| Salaries and employee benefits | $1,970,000 | 3,782 |
| Premises and equipment expense | $582,000 | 3,494 |
| Additional noninterest expense | $1,168,000 | 3,683 |
| Pre-tax net operating income | $1,479,000 | 4,159 |
| Securities gains (losses) | $11,000 | 3,555 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,490,000 | 3,522 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,490,000 | 3,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 2,284 |
| Cash dividends | $855,000 | 2,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,479,000 | 3,430 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,150,000 | 4,359 |
| Total interest expense | $2,714,000 | 5,100 |
| Net interest income | $4,436,000 | 3,811 |
| Provision for loan and lease losses | $197,000 | 4,179 |
| Total noninterest income | $695,000 | 4,209 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $492,000 | 2,869 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $203,000 | 4,899 |
| Total noninterest expense | $3,797,000 | 3,586 |
| Salaries and employee benefits | $2,042,000 | 3,535 |
| Premises and equipment expense | $593,000 | 3,391 |
| Additional noninterest expense | $1,162,000 | 3,608 |
| Pre-tax net operating income | $1,137,000 | 4,560 |
| Securities gains (losses) | $106,000 | 1,698 |
| Applicable income taxes | $1,000 | 7,858 |
| Income before extraordinary items | $1,242,000 | 3,705 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,242,000 | 3,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 4,021 |
| Cash dividends | $903,000 | 2,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,136,000 | 3,814 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,656,000 | 4,267 |
| Total interest expense | $3,352,000 | 4,525 |
| Net interest income | $4,304,000 | 3,939 |
| Provision for loan and lease losses | $38,000 | 6,945 |
| Total noninterest income | $540,000 | 4,694 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $399,000 | 3,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 5,630 |
| Total noninterest expense | $3,601,000 | 3,612 |
| Salaries and employee benefits | $1,884,000 | 3,642 |
| Premises and equipment expense | $626,000 | 3,148 |
| Additional noninterest expense | $1,091,000 | 3,714 |
| Pre-tax net operating income | $1,205,000 | 4,709 |
| Securities gains (losses) | $-38,000 | 9,069 |
| Applicable income taxes | $31,000 | 7,597 |
| Income before extraordinary items | $1,136,000 | 4,014 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,136,000 | 4,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,481 |
| Cash dividends | $561,000 | 3,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,172,860 | 3,914 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,096,000 | 4,345 |
| Total interest expense | $2,765,000 | 4,906 |
| Net interest income | $4,331,000 | 3,904 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $561,000 | 4,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $373,000 | 3,397 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,076 |
| Total noninterest expense | $3,268,000 | 3,921 |
| Salaries and employee benefits | $1,738,000 | 3,851 |
| Premises and equipment expense | $512,000 | 3,690 |
| Additional noninterest expense | $1,018,000 | 3,973 |
| Pre-tax net operating income | $1,544,000 | 4,013 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $393,000 | 4,220 |
| Income before extraordinary items | $1,158,000 | 3,987 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,158,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,687 |
| Cash dividends | $2,410,000 | 1,165 |
| Sale, conversion, retirement of capital stock, net | $-705,000 | 10,165 |
| Net operating income | $1,152,750 | 3,961 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,043,000 | 4,371 |
| Total interest expense | $2,933,000 | 4,817 |
| Net interest income | $4,110,000 | 4,038 |
| Provision for loan and lease losses | $130,000 | 4,466 |
| Total noninterest income | $564,000 | 4,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $361,000 | 3,424 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $203,000 | 4,918 |
| Total noninterest expense | $3,327,000 | 3,768 |
| Salaries and employee benefits | $1,845,000 | 3,595 |
| Premises and equipment expense | $451,000 | 4,001 |
| Additional noninterest expense | $1,031,000 | 3,860 |
| Pre-tax net operating income | $1,217,000 | 4,842 |
| Securities gains (losses) | $107,000 | 1,228 |
| Applicable income taxes | $318,000 | 5,018 |
| Income before extraordinary items | $1,006,000 | 4,497 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,006,000 | 4,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,945 |
| Cash dividends | $283,000 | 4,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $924,680 | 4,655 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,903,000 | 4,549 |
| Total interest expense | $2,819,000 | 4,965 |
| Net interest income | $4,084,000 | 4,171 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $525,000 | 4,837 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $355,000 | 3,575 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,371 |
| Total noninterest expense | $3,191,000 | 3,900 |
| Salaries and employee benefits | $1,742,000 | 3,749 |
| Premises and equipment expense | $430,000 | 4,189 |
| Additional noninterest expense | $1,019,000 | 3,835 |
| Pre-tax net operating income | $1,238,000 | 5,135 |
| Securities gains (losses) | $179,000 | 759 |
| Applicable income taxes | $378,000 | 5,065 |
| Income before extraordinary items | $1,039,000 | 4,565 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,039,000 | 4,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,544 |
| Cash dividends | $361,000 | 4,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $908,330 | 4,966 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,627,000 | 4,793 |
| Total interest expense | $2,789,000 | 5,092 |
| Net interest income | $3,838,000 | 4,481 |
| Provision for loan and lease losses | $165,000 | 3,866 |
| Total noninterest income | $626,000 | 4,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $244,000 | 4,606 |
| Total noninterest expense | $3,045,000 | 4,260 |
| Salaries and employee benefits | $1,623,000 | 4,013 |
| Premises and equipment expense | $412,000 | 4,435 |
| Additional noninterest expense | $1,010,000 | 4,374 |
| Pre-tax net operating income | $1,254,000 | 4,967 |
| Securities gains (losses) | $12,000 | 2,365 |
| Applicable income taxes | $284,000 | 6,018 |
| Income before extraordinary items | $982,000 | 4,582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $982,000 | 4,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,143 |
| Cash dividends | $361,000 | 4,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $972,640 | 4,549 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,546,000 | 4,827 |
| Total interest expense | $2,814,000 | 5,044 |
| Net interest income | $3,732,000 | 4,602 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $513,000 | 5,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $367,000 | 3,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,069 |
| Total noninterest expense | $3,029,000 | 4,253 |
| Salaries and employee benefits | $1,586,000 | 4,076 |
| Premises and equipment expense | $361,000 | 4,921 |
| Additional noninterest expense | $1,082,000 | 4,079 |
| Pre-tax net operating income | $1,096,000 | 5,612 |
| Securities gains (losses) | $57,000 | 1,220 |
| Applicable income taxes | $239,000 | 6,808 |
| Income before extraordinary items | $914,000 | 4,936 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $914,000 | 4,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,862 |
| Cash dividends | $315,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $868,970 | 5,113 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,105,000 | 4,781 |
| Total interest expense | $2,360,000 | 4,878 |
| Net interest income | $3,745,000 | 4,645 |
| Provision for loan and lease losses | $145,000 | 3,683 |
| Total noninterest income | $590,000 | 4,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $380,000 | 3,566 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 5,108 |
| Total noninterest expense | $3,010,000 | 4,397 |
| Salaries and employee benefits | $1,469,000 | 4,354 |
| Premises and equipment expense | $381,000 | 4,781 |
| Additional noninterest expense | $1,160,000 | 4,175 |
| Pre-tax net operating income | $1,180,000 | 5,299 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $240,000 | 6,686 |
| Income before extraordinary items | $947,000 | 4,712 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $947,000 | 4,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,627 |
| Cash dividends | $315,000 | 4,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $941,400 | 4,778 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,973,000 | 4,974 |
| Total interest expense | $2,370,000 | 5,041 |
| Net interest income | $3,603,000 | 4,832 |
| Provision for loan and lease losses | $144,000 | 4,763 |
| Total noninterest income | $512,000 | 5,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,865 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $161,000 | 6,332 |
| Total noninterest expense | $2,797,000 | 4,799 |
| Salaries and employee benefits | $1,404,000 | 4,538 |
| Premises and equipment expense | $345,000 | 5,294 |
| Additional noninterest expense | $1,048,000 | 4,729 |
| Pre-tax net operating income | $1,174,000 | 5,266 |
| Securities gains (losses) | $66,000 | 3,051 |
| Applicable income taxes | $268,000 | 6,519 |
| Income before extraordinary items | $972,000 | 4,792 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $972,000 | 4,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 4,115 |
| Cash dividends | $338,000 | 4,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $920,520 | 4,777 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,167,000 | 5,368 |
| Total interest expense | $2,828,000 | 5,431 |
| Net interest income | $3,339,000 | 5,225 |
| Provision for loan and lease losses | $192,000 | 5,326 |
| Total noninterest income | $490,000 | 5,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 6,812 |
| Total noninterest expense | $2,787,000 | 4,836 |
| Salaries and employee benefits | $1,371,000 | 4,594 |
| Premises and equipment expense | $379,000 | 5,003 |
| Additional noninterest expense | $1,037,000 | 4,907 |
| Pre-tax net operating income | $850,000 | 6,334 |
| Securities gains (losses) | $122,000 | 2,695 |
| Applicable income taxes | $173,000 | 8,114 |
| Income before extraordinary items | $799,000 | 5,377 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $799,000 | 5,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 4,180 |
| Cash dividends | $346,000 | 3,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $698,960 | 5,589 |
* 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.