Home > Rural American Bank - Luck > Income and Expense
Rural American Bank - Luck, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,798,000 | 6,170 |
| Total interest expense | $657,000 | 6,085 |
| Net interest income | $2,141,000 | 6,102 |
| Provision for loan and lease losses | $230,000 | 5,193 |
| Total noninterest income | $815,000 | 3,613 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $295,000 | 3,668 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $520,000 | 3,137 |
| Total noninterest expense | $1,914,000 | 6,090 |
| Salaries and employee benefits | $899,000 | 6,228 |
| Premises and equipment expense | $174,000 | 6,426 |
| Additional noninterest expense | $841,000 | 5,510 |
| Pre-tax net operating income | $812,000 | 3,709 |
| Securities gains (losses) | $3,000 | 3,556 |
| Applicable income taxes | $1,000 | 4,548 |
| Income before extraordinary items | $814,000 | 3,578 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $814,000 | 3,576 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $814,000 | 3,578 |
| Net charge-offs | $53,000 | 5,875 |
| Cash dividends | $770,000 | 1,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $811,000 | 3,472 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,129,000 | 6,254 |
| Total interest expense | $500,000 | 6,211 |
| Net interest income | $1,629,000 | 6,166 |
| Provision for loan and lease losses | $155,000 | 5,204 |
| Total noninterest income | $592,000 | 3,715 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $221,000 | 3,737 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $371,000 | 3,217 |
| Total noninterest expense | $1,433,000 | 6,144 |
| Salaries and employee benefits | $687,000 | 6,231 |
| Premises and equipment expense | $133,000 | 6,484 |
| Additional noninterest expense | $613,000 | 5,598 |
| Pre-tax net operating income | $633,000 | 3,879 |
| Securities gains (losses) | $3,000 | 3,393 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $636,000 | 3,678 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $636,000 | 3,677 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $636,000 | 3,678 |
| Net charge-offs | $39,000 | 5,687 |
| Cash dividends | $456,000 | 1,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $633,000 | 3,548 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,424,000 | 6,291 |
| Total interest expense | $339,000 | 6,267 |
| Net interest income | $1,085,000 | 6,203 |
| Provision for loan and lease losses | $65,000 | 5,537 |
| Total noninterest income | $382,000 | 3,727 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $146,000 | 3,736 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $236,000 | 3,213 |
| Total noninterest expense | $966,000 | 6,165 |
| Salaries and employee benefits | $459,000 | 6,276 |
| Premises and equipment expense | $99,000 | 6,324 |
| Additional noninterest expense | $408,000 | 5,611 |
| Pre-tax net operating income | $436,000 | 3,848 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $11,000 | 4,050 |
| Income before extraordinary items | $425,000 | 3,680 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $425,000 | 3,678 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $425,000 | 3,679 |
| Net charge-offs | $11,000 | 5,773 |
| Cash dividends | $187,000 | 2,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $425,000 | 3,577 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $712,000 | 6,373 |
| Total interest expense | $177,000 | 6,316 |
| Net interest income | $535,000 | 6,271 |
| Provision for loan and lease losses | $65,000 | 4,501 |
| Total noninterest income | $180,000 | 3,893 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $71,000 | 3,802 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $109,000 | 3,348 |
| Total noninterest expense | $509,000 | 6,131 |
| Salaries and employee benefits | $234,000 | 6,321 |
| Premises and equipment expense | $52,000 | 6,329 |
| Additional noninterest expense | $223,000 | 5,424 |
| Pre-tax net operating income | $141,000 | 4,648 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $3,000 | 4,254 |
| Income before extraordinary items | $138,000 | 4,522 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $138,000 | 4,522 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $138,000 | 4,521 |
| Net charge-offs | $3,000 | 5,292 |
| Cash dividends | $50,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $138,000 | 4,413 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,946,000 | 6,375 |
| Total interest expense | $803,000 | 6,469 |
| Net interest income | $2,143,000 | 6,212 |
| Provision for loan and lease losses | $240,000 | 5,554 |
| Total noninterest income | $874,000 | 3,583 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $355,000 | 3,560 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $519,000 | 3,146 |
| Total noninterest expense | $1,872,000 | 6,380 |
| Salaries and employee benefits | $902,000 | 6,451 |
| Premises and equipment expense | $160,000 | 6,838 |
| Additional noninterest expense | $810,000 | 5,799 |
| Pre-tax net operating income | $905,000 | 3,146 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $15,000 | 3,769 |
| Income before extraordinary items | $890,000 | 2,967 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $890,000 | 2,968 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $890,000 | 2,968 |
| Net charge-offs | $142,000 | 5,388 |
| Cash dividends | $843,000 | 1,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $890,000 | 2,910 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,222,000 | 6,432 |
| Total interest expense | $615,000 | 6,548 |
| Net interest income | $1,607,000 | 6,219 |
| Provision for loan and lease losses | $215,000 | 5,067 |
| Total noninterest income | $677,000 | 3,601 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $266,000 | 3,571 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $411,000 | 3,138 |
| Total noninterest expense | $1,462,000 | 6,305 |
| Salaries and employee benefits | $692,000 | 6,439 |
| Premises and equipment expense | $127,000 | 6,802 |
| Additional noninterest expense | $643,000 | 5,652 |
| Pre-tax net operating income | $607,000 | 3,586 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $10,000 | 4,043 |
| Income before extraordinary items | $597,000 | 3,399 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $597,000 | 3,398 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $597,000 | 3,399 |
| Net charge-offs | $76,000 | 5,315 |
| Cash dividends | $328,000 | 2,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $597,000 | 3,303 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,504,000 | 6,472 |
| Total interest expense | $418,000 | 6,626 |
| Net interest income | $1,086,000 | 6,206 |
| Provision for loan and lease losses | $120,000 | 5,054 |
| Total noninterest income | $437,000 | 3,678 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $172,000 | 3,606 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $265,000 | 3,199 |
| Total noninterest expense | $958,000 | 6,384 |
| Salaries and employee benefits | $473,000 | 6,454 |
| Premises and equipment expense | $85,000 | 6,854 |
| Additional noninterest expense | $400,000 | 5,833 |
| Pre-tax net operating income | $445,000 | 3,500 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $7,000 | 4,133 |
| Income before extraordinary items | $438,000 | 3,336 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $438,000 | 3,331 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $438,000 | 3,334 |
| Net charge-offs | $78,000 | 4,497 |
| Cash dividends | $154,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $438,000 | 3,221 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $753,000 | 6,503 |
| Total interest expense | $215,000 | 6,675 |
| Net interest income | $538,000 | 6,239 |
| Provision for loan and lease losses | $75,000 | 4,299 |
| Total noninterest income | $198,000 | 3,834 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $77,000 | 3,782 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $121,000 | 3,340 |
| Total noninterest expense | $468,000 | 6,416 |
| Salaries and employee benefits | $249,000 | 6,404 |
| Premises and equipment expense | $44,000 | 6,837 |
| Additional noninterest expense | $175,000 | 5,929 |
| Pre-tax net operating income | $193,000 | 4,107 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $4,000 | 4,381 |
| Income before extraordinary items | $189,000 | 3,962 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $189,000 | 3,964 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $189,000 | 3,964 |
| Net charge-offs | $70,000 | 3,232 |
| Cash dividends | $59,000 | 2,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $189,000 | 3,803 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,253,000 | 6,460 |
| Total interest expense | $1,088,000 | 6,631 |
| Net interest income | $2,165,000 | 6,250 |
| Provision for loan and lease losses | $190,000 | 5,266 |
| Total noninterest income | $656,000 | 4,284 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $305,000 | 3,993 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $351,000 | 3,826 |
| Total noninterest expense | $1,768,000 | 6,527 |
| Salaries and employee benefits | $979,000 | 6,463 |
| Premises and equipment expense | $167,000 | 6,985 |
| Additional noninterest expense | $622,000 | 6,144 |
| Pre-tax net operating income | $863,000 | 4,038 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $14,000 | 4,427 |
| Income before extraordinary items | $849,000 | 3,594 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $849,000 | 3,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,087 |
| Cash dividends | $1,164,000 | 2,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $849,000 | 3,733 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,529,000 | 6,458 |
| Total interest expense | $866,000 | 6,630 |
| Net interest income | $1,663,000 | 6,229 |
| Provision for loan and lease losses | $70,000 | 5,559 |
| Total noninterest income | $523,000 | 4,233 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $220,000 | 4,080 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $303,000 | 3,669 |
| Total noninterest expense | $1,347,000 | 6,505 |
| Salaries and employee benefits | $753,000 | 6,430 |
| Premises and equipment expense | $127,000 | 7,015 |
| Additional noninterest expense | $467,000 | 6,091 |
| Pre-tax net operating income | $769,000 | 4,170 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $11,000 | 4,828 |
| Income before extraordinary items | $758,000 | 3,664 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $758,000 | 3,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,241 |
| Cash dividends | $835,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $758,000 | 3,806 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,761,000 | 6,438 |
| Total interest expense | $620,000 | 6,624 |
| Net interest income | $1,141,000 | 6,175 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $324,000 | 4,466 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $142,000 | 4,148 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $182,000 | 3,938 |
| Total noninterest expense | $898,000 | 6,546 |
| Salaries and employee benefits | $514,000 | 6,423 |
| Premises and equipment expense | $85,000 | 7,019 |
| Additional noninterest expense | $299,000 | 6,193 |
| Pre-tax net operating income | $567,000 | 4,136 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $7,000 | 5,127 |
| Income before extraordinary items | $560,000 | 3,782 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $560,000 | 3,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $390,000 | 2,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $560,000 | 3,731 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $911,000 | 6,434 |
| Total interest expense | $348,000 | 6,528 |
| Net interest income | $563,000 | 6,244 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $173,000 | 4,280 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $72,000 | 4,098 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $101,000 | 3,742 |
| Total noninterest expense | $438,000 | 6,624 |
| Salaries and employee benefits | $256,000 | 6,463 |
| Premises and equipment expense | $41,000 | 7,126 |
| Additional noninterest expense | $141,000 | 6,341 |
| Pre-tax net operating income | $298,000 | 4,172 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $294,000 | 3,843 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $294,000 | 3,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $130,000 | 2,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $294,000 | 3,756 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,937,000 | 6,254 |
| Total interest expense | $1,501,000 | 6,433 |
| Net interest income | $2,436,000 | 6,042 |
| Provision for loan and lease losses | $5,000 | 6,721 |
| Total noninterest income | $690,000 | 4,338 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $312,000 | 4,008 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $378,000 | 3,840 |
| Total noninterest expense | $1,793,000 | 6,481 |
| Salaries and employee benefits | $1,026,000 | 6,370 |
| Premises and equipment expense | $165,000 | 7,106 |
| Additional noninterest expense | $602,000 | 6,112 |
| Pre-tax net operating income | $1,328,000 | 4,138 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $8,000 | 5,687 |
| Income before extraordinary items | $1,320,000 | 3,733 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,320,000 | 3,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,055 |
| Cash dividends | $1,559,000 | 1,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,320,000 | 3,722 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,989,000 | 6,267 |
| Total interest expense | $1,129,000 | 6,457 |
| Net interest income | $1,860,000 | 6,029 |
| Provision for loan and lease losses | $5,000 | 6,358 |
| Total noninterest income | $488,000 | 4,467 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $230,000 | 4,037 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $258,000 | 4,031 |
| Total noninterest expense | $1,346,000 | 6,470 |
| Salaries and employee benefits | $789,000 | 6,318 |
| Premises and equipment expense | $122,000 | 7,096 |
| Additional noninterest expense | $435,000 | 6,195 |
| Pre-tax net operating income | $997,000 | 4,364 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $5,000 | 5,890 |
| Income before extraordinary items | $992,000 | 3,909 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $992,000 | 3,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,700 |
| Cash dividends | $796,000 | 2,322 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $992,000 | 3,896 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,979,000 | 6,325 |
| Total interest expense | $747,000 | 6,503 |
| Net interest income | $1,232,000 | 6,087 |
| Provision for loan and lease losses | $5,000 | 5,998 |
| Total noninterest income | $321,000 | 4,512 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $147,000 | 4,127 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $174,000 | 4,057 |
| Total noninterest expense | $900,000 | 6,518 |
| Salaries and employee benefits | $524,000 | 6,379 |
| Premises and equipment expense | $77,000 | 7,223 |
| Additional noninterest expense | $299,000 | 6,125 |
| Pre-tax net operating income | $648,000 | 4,483 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $648,000 | 3,996 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $648,000 | 3,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $387,000 | 2,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $648,000 | 3,988 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,002,000 | 6,321 |
| Total interest expense | $373,000 | 6,506 |
| Net interest income | $629,000 | 6,036 |
| Provision for loan and lease losses | $5,000 | 5,396 |
| Total noninterest income | $159,000 | 4,494 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $73,000 | 4,079 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $86,000 | 4,061 |
| Total noninterest expense | $463,000 | 6,476 |
| Salaries and employee benefits | $266,000 | 6,391 |
| Premises and equipment expense | $41,000 | 7,142 |
| Additional noninterest expense | $156,000 | 6,015 |
| Pre-tax net operating income | $320,000 | 4,511 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $320,000 | 4,025 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $320,000 | 4,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $320,000 | 4,005 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,049,000 | 6,088 |
| Total interest expense | $1,380,000 | 6,287 |
| Net interest income | $2,669,000 | 5,843 |
| Provision for loan and lease losses | $52,000 | 5,539 |
| Total noninterest income | $652,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $302,000 | 4,121 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $350,000 | 3,993 |
| Total noninterest expense | $1,841,000 | 6,377 |
| Salaries and employee benefits | $1,028,000 | 6,343 |
| Premises and equipment expense | $150,000 | 7,258 |
| Additional noninterest expense | $663,000 | 5,793 |
| Pre-tax net operating income | $1,428,000 | 4,401 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $15,000 | 6,025 |
| Income before extraordinary items | $1,413,000 | 3,917 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,413,000 | 3,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 3,558 |
| Cash dividends | $1,125,000 | 2,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,413,000 | 3,895 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,027,000 | 6,105 |
| Total interest expense | $1,014,000 | 6,291 |
| Net interest income | $2,013,000 | 5,879 |
| Provision for loan and lease losses | $47,000 | 5,128 |
| Total noninterest income | $464,000 | 4,686 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $217,000 | 4,242 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $247,000 | 4,116 |
| Total noninterest expense | $1,362,000 | 6,419 |
| Salaries and employee benefits | $773,000 | 6,327 |
| Premises and equipment expense | $116,000 | 7,224 |
| Additional noninterest expense | $473,000 | 5,924 |
| Pre-tax net operating income | $1,068,000 | 4,586 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $11,000 | 6,190 |
| Income before extraordinary items | $1,057,000 | 4,035 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,057,000 | 4,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,158 |
| Cash dividends | $517,000 | 2,876 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,057,000 | 4,024 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,028,000 | 6,079 |
| Total interest expense | $665,000 | 6,240 |
| Net interest income | $1,363,000 | 5,877 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $317,000 | 4,591 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $139,000 | 4,298 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $178,000 | 3,960 |
| Total noninterest expense | $907,000 | 6,451 |
| Salaries and employee benefits | $516,000 | 6,350 |
| Premises and equipment expense | $76,000 | 7,288 |
| Additional noninterest expense | $315,000 | 5,921 |
| Pre-tax net operating income | $733,000 | 4,521 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $733,000 | 3,947 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $733,000 | 3,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,027 |
| Cash dividends | $332,000 | 2,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $733,000 | 3,937 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,006,000 | 6,080 |
| Total interest expense | $332,000 | 6,165 |
| Net interest income | $674,000 | 5,918 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $152,000 | 4,644 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $67,000 | 4,315 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,010 |
| Total noninterest expense | $439,000 | 6,547 |
| Salaries and employee benefits | $255,000 | 6,403 |
| Premises and equipment expense | $40,000 | 7,201 |
| Additional noninterest expense | $144,000 | 6,179 |
| Pre-tax net operating income | $378,000 | 4,402 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $378,000 | 3,837 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $378,000 | 3,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,694 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $378,000 | 3,815 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,735,000 | 6,018 |
| Total interest expense | $968,000 | 6,358 |
| Net interest income | $2,767,000 | 5,754 |
| Provision for loan and lease losses | $67,000 | 5,348 |
| Total noninterest income | $679,000 | 4,467 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $302,000 | 4,167 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $377,000 | 3,876 |
| Total noninterest expense | $1,762,000 | 6,460 |
| Salaries and employee benefits | $1,048,000 | 6,218 |
| Premises and equipment expense | $155,000 | 7,213 |
| Additional noninterest expense | $559,000 | 6,258 |
| Pre-tax net operating income | $1,617,000 | 4,206 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $63,000 | 5,708 |
| Income before extraordinary items | $1,554,000 | 3,700 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,554,000 | 3,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,517 |
| Cash dividends | $1,400,000 | 1,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,554,000 | 3,673 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,746,000 | 6,054 |
| Total interest expense | $688,000 | 6,408 |
| Net interest income | $2,058,000 | 5,803 |
| Provision for loan and lease losses | $31,000 | 5,788 |
| Total noninterest income | $527,000 | 4,398 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $226,000 | 4,193 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $301,000 | 3,786 |
| Total noninterest expense | $1,290,000 | 6,533 |
| Salaries and employee benefits | $780,000 | 6,209 |
| Premises and equipment expense | $110,000 | 7,324 |
| Additional noninterest expense | $400,000 | 6,349 |
| Pre-tax net operating income | $1,264,000 | 4,182 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $63,000 | 5,632 |
| Income before extraordinary items | $1,201,000 | 3,662 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,201,000 | 3,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,299 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,201,000 | 3,630 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,759,000 | 6,110 |
| Total interest expense | $430,000 | 6,427 |
| Net interest income | $1,329,000 | 5,887 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $333,000 | 4,507 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $146,000 | 4,216 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $187,000 | 3,882 |
| Total noninterest expense | $839,000 | 6,617 |
| Salaries and employee benefits | $503,000 | 6,324 |
| Premises and equipment expense | $75,000 | 7,276 |
| Additional noninterest expense | $261,000 | 6,393 |
| Pre-tax net operating income | $803,000 | 4,277 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $63,000 | 5,307 |
| Income before extraordinary items | $740,000 | 3,819 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $740,000 | 3,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,582 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $740,000 | 3,766 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $856,000 | 6,193 |
| Total interest expense | $204,000 | 6,491 |
| Net interest income | $652,000 | 5,959 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $148,000 | 4,742 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $82,000 | 4,143 |
| Total noninterest expense | $414,000 | 6,691 |
| Salaries and employee benefits | $246,000 | 6,433 |
| Premises and equipment expense | $38,000 | 7,311 |
| Additional noninterest expense | $130,000 | 6,436 |
| Pre-tax net operating income | $386,000 | 4,366 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $57,000 | 4,604 |
| Income before extraordinary items | $329,000 | 4,122 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $329,000 | 4,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $329,000 | 4,078 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,346,000 | 6,100 |
| Total interest expense | $761,000 | 6,384 |
| Net interest income | $2,585,000 | 5,904 |
| Provision for loan and lease losses | $4,000 | 7,223 |
| Total noninterest income | $688,000 | 4,435 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $297,000 | 4,340 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $391,000 | 3,760 |
| Total noninterest expense | $1,720,000 | 6,502 |
| Salaries and employee benefits | $1,019,000 | 6,214 |
| Premises and equipment expense | $152,000 | 7,313 |
| Additional noninterest expense | $549,000 | 6,282 |
| Pre-tax net operating income | $1,549,000 | 4,167 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $536,000 | 3,229 |
| Income before extraordinary items | $1,013,000 | 4,661 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,013,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,996 |
| Cash dividends | $950,000 | 2,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,013,000 | 4,593 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,520,000 | 6,085 |
| Total interest expense | $571,000 | 6,365 |
| Net interest income | $1,949,000 | 5,880 |
| Provision for loan and lease losses | $4,000 | 6,985 |
| Total noninterest income | $519,000 | 4,426 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $216,000 | 4,439 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $303,000 | 3,715 |
| Total noninterest expense | $1,301,000 | 6,444 |
| Salaries and employee benefits | $761,000 | 6,189 |
| Premises and equipment expense | $115,000 | 7,261 |
| Additional noninterest expense | $425,000 | 6,128 |
| Pre-tax net operating income | $1,163,000 | 4,234 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $397,000 | 3,315 |
| Income before extraordinary items | $766,000 | 4,739 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $766,000 | 4,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,248 |
| Cash dividends | $500,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $766,000 | 4,647 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,673,000 | 6,131 |
| Total interest expense | $389,000 | 6,357 |
| Net interest income | $1,284,000 | 5,924 |
| Provision for loan and lease losses | $4,000 | 6,726 |
| Total noninterest income | $342,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $142,000 | 4,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $200,000 | 3,732 |
| Total noninterest expense | $861,000 | 6,508 |
| Salaries and employee benefits | $504,000 | 6,267 |
| Premises and equipment expense | $78,000 | 7,274 |
| Additional noninterest expense | $279,000 | 6,195 |
| Pre-tax net operating income | $761,000 | 4,238 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $260,000 | 3,323 |
| Income before extraordinary items | $501,000 | 4,739 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $501,000 | 4,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,586 |
| Cash dividends | $225,000 | 3,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $501,000 | 4,644 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $834,000 | 6,146 |
| Total interest expense | $206,000 | 6,271 |
| Net interest income | $628,000 | 5,993 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $153,000 | 4,726 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $71,000 | 4,385 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $82,000 | 4,114 |
| Total noninterest expense | $423,000 | 6,599 |
| Salaries and employee benefits | $244,000 | 6,417 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $139,000 | 6,236 |
| Pre-tax net operating income | $358,000 | 4,367 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $120,000 | 3,488 |
| Income before extraordinary items | $238,000 | 4,880 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $238,000 | 4,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $238,000 | 4,757 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,647,000 | 5,925 |
| Total interest expense | $1,055,000 | 5,966 |
| Net interest income | $2,592,000 | 5,788 |
| Provision for loan and lease losses | $39,000 | 6,564 |
| Total noninterest income | $719,000 | 4,484 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $288,000 | 4,396 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $431,000 | 3,833 |
| Total noninterest expense | $1,777,000 | 6,391 |
| Salaries and employee benefits | $1,036,000 | 6,137 |
| Premises and equipment expense | $141,000 | 7,527 |
| Additional noninterest expense | $600,000 | 5,991 |
| Pre-tax net operating income | $1,495,000 | 4,131 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $519,000 | 3,308 |
| Income before extraordinary items | $976,000 | 4,706 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $976,000 | 4,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,519 |
| Cash dividends | $965,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $976,000 | 4,540 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,767,000 | 5,957 |
| Total interest expense | $834,000 | 5,946 |
| Net interest income | $1,933,000 | 5,830 |
| Provision for loan and lease losses | $36,000 | 6,222 |
| Total noninterest income | $574,000 | 4,376 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $213,000 | 4,446 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $361,000 | 3,725 |
| Total noninterest expense | $1,325,000 | 6,382 |
| Salaries and employee benefits | $786,000 | 6,067 |
| Premises and equipment expense | $105,000 | 7,546 |
| Additional noninterest expense | $434,000 | 6,102 |
| Pre-tax net operating income | $1,146,000 | 4,208 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $395,000 | 3,437 |
| Income before extraordinary items | $751,000 | 4,766 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $751,000 | 4,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,943 |
| Cash dividends | $375,000 | 3,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $751,000 | 4,582 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,864,000 | 5,957 |
| Total interest expense | $592,000 | 5,892 |
| Net interest income | $1,272,000 | 5,871 |
| Provision for loan and lease losses | $36,000 | 5,560 |
| Total noninterest income | $399,000 | 4,247 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $131,000 | 4,632 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $268,000 | 3,501 |
| Total noninterest expense | $866,000 | 6,463 |
| Salaries and employee benefits | $513,000 | 6,162 |
| Premises and equipment expense | $72,000 | 7,506 |
| Additional noninterest expense | $281,000 | 6,173 |
| Pre-tax net operating income | $769,000 | 4,166 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $264,000 | 3,460 |
| Income before extraordinary items | $505,000 | 4,778 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $505,000 | 4,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $125,000 | 4,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $505,000 | 4,570 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $934,000 | 5,981 |
| Total interest expense | $307,000 | 5,874 |
| Net interest income | $627,000 | 5,913 |
| Provision for loan and lease losses | $42,000 | 4,061 |
| Total noninterest income | $229,000 | 3,836 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $49,000 | 5,240 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $180,000 | 2,901 |
| Total noninterest expense | $438,000 | 6,440 |
| Salaries and employee benefits | $261,000 | 6,101 |
| Premises and equipment expense | $37,000 | 7,479 |
| Additional noninterest expense | $140,000 | 6,173 |
| Pre-tax net operating income | $376,000 | 4,196 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $134,000 | 3,424 |
| Income before extraordinary items | $242,000 | 4,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $242,000 | 4,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,593 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $242,000 | 4,606 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,900,000 | 5,986 |
| Total interest expense | $1,236,000 | 6,338 |
| Net interest income | $2,664,000 | 5,699 |
| Provision for loan and lease losses | $18,000 | 7,572 |
| Total noninterest income | $585,000 | 4,798 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $235,000 | 4,843 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $350,000 | 3,950 |
| Total noninterest expense | $1,666,000 | 6,525 |
| Salaries and employee benefits | $976,000 | 6,234 |
| Premises and equipment expense | $155,000 | 7,378 |
| Additional noninterest expense | $535,000 | 6,308 |
| Pre-tax net operating income | $1,565,000 | 4,009 |
| Securities gains (losses) | $87,000 | 1,868 |
| Applicable income taxes | $588,000 | 3,155 |
| Income before extraordinary items | $1,064,000 | 4,422 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,064,000 | 4,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,433 |
| Cash dividends | $875,000 | 2,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,008,320 | 4,448 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,383,000 | 6,041 |
| Total interest expense | $1,816,000 | 6,392 |
| Net interest income | $2,567,000 | 5,629 |
| Provision for loan and lease losses | $18,000 | 7,646 |
| Total noninterest income | $538,000 | 4,863 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $249,000 | 4,653 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $289,000 | 4,198 |
| Total noninterest expense | $1,557,000 | 6,665 |
| Salaries and employee benefits | $888,000 | 6,422 |
| Premises and equipment expense | $152,000 | 7,483 |
| Additional noninterest expense | $517,000 | 6,336 |
| Pre-tax net operating income | $1,530,000 | 3,804 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $551,000 | 3,138 |
| Income before extraordinary items | $980,000 | 4,333 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $980,000 | 4,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $970,000 | 2,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $979,360 | 4,222 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,528,000 | 6,074 |
| Total interest expense | $1,906,000 | 6,409 |
| Net interest income | $2,622,000 | 5,635 |
| Provision for loan and lease losses | $41,000 | 6,834 |
| Total noninterest income | $274,000 | 6,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 4,998 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,272 |
| Total noninterest expense | $1,438,000 | 6,914 |
| Salaries and employee benefits | $796,000 | 6,747 |
| Premises and equipment expense | $157,000 | 7,488 |
| Additional noninterest expense | $485,000 | 6,540 |
| Pre-tax net operating income | $1,417,000 | 4,232 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $491,000 | 3,525 |
| Income before extraordinary items | $926,000 | 4,603 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $926,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,551 |
| Cash dividends | $650,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $926,000 | 4,600 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,185,000 | 6,208 |
| Total interest expense | $1,700,000 | 6,546 |
| Net interest income | $2,485,000 | 5,817 |
| Provision for loan and lease losses | $25,000 | 7,415 |
| Total noninterest income | $282,000 | 6,600 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 4,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,453 |
| Total noninterest expense | $1,398,000 | 7,039 |
| Salaries and employee benefits | $768,000 | 6,912 |
| Premises and equipment expense | $161,000 | 7,475 |
| Additional noninterest expense | $469,000 | 6,753 |
| Pre-tax net operating income | $1,344,000 | 4,423 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $465,000 | 3,777 |
| Income before extraordinary items | $879,000 | 4,810 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $879,000 | 4,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $750,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $879,000 | 4,767 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,147,000 | 6,357 |
| Total interest expense | $1,796,000 | 6,560 |
| Net interest income | $2,351,000 | 6,063 |
| Provision for loan and lease losses | $53,000 | 6,503 |
| Total noninterest income | $297,000 | 6,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 4,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,117 |
| Total noninterest expense | $1,404,000 | 6,953 |
| Salaries and employee benefits | $746,000 | 6,945 |
| Premises and equipment expense | $165,000 | 7,336 |
| Additional noninterest expense | $493,000 | 6,490 |
| Pre-tax net operating income | $1,191,000 | 4,904 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $410,000 | 4,349 |
| Income before extraordinary items | $781,000 | 5,261 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $781,000 | 5,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,598 |
| Cash dividends | $645,000 | 2,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $781,000 | 5,162 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,919,000 | 6,733 |
| Total interest expense | $1,741,000 | 6,799 |
| Net interest income | $2,178,000 | 6,572 |
| Provision for loan and lease losses | $66,000 | 6,012 |
| Total noninterest income | $285,000 | 6,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,005 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,946 |
| Total noninterest expense | $1,238,000 | 7,541 |
| Salaries and employee benefits | $733,000 | 7,124 |
| Premises and equipment expense | $147,000 | 7,862 |
| Additional noninterest expense | $358,000 | 7,723 |
| Pre-tax net operating income | $1,159,000 | 5,355 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $378,000 | 5,065 |
| Income before extraordinary items | $781,000 | 5,535 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $781,000 | 5,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $620,000 | 3,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $781,000 | 5,493 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,525,000 | 7,357 |
| Total interest expense | $1,656,000 | 7,202 |
| Net interest income | $1,869,000 | 7,425 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $264,000 | 7,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,974 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,512 |
| Total noninterest expense | $1,165,000 | 8,092 |
| Salaries and employee benefits | $711,000 | 7,457 |
| Premises and equipment expense | $130,000 | 8,532 |
| Additional noninterest expense | $324,000 | 8,626 |
| Pre-tax net operating income | $948,000 | 5,928 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $295,000 | 5,890 |
| Income before extraordinary items | $649,000 | 5,993 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $649,000 | 5,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $651,760 | 5,926 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,276,000 | 7,827 |
| Total interest expense | $1,490,000 | 7,734 |
| Net interest income | $1,786,000 | 7,797 |
| Provision for loan and lease losses | $11,000 | 8,279 |
| Total noninterest income | $221,000 | 8,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 8,656 |
| Total noninterest expense | $1,114,000 | 8,518 |
| Salaries and employee benefits | $649,000 | 8,073 |
| Premises and equipment expense | $151,000 | 8,239 |
| Additional noninterest expense | $314,000 | 9,104 |
| Pre-tax net operating income | $882,000 | 6,503 |
| Securities gains (losses) | $-69,000 | 11,337 |
| Applicable income taxes | $240,000 | 6,788 |
| Income before extraordinary items | $573,000 | 6,766 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $573,000 | 6,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $570,000 | 3,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $621,300 | 6,475 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,986,000 | 8,075 |
| Total interest expense | $1,202,000 | 7,893 |
| Net interest income | $1,784,000 | 8,080 |
| Provision for loan and lease losses | $-33,000 | 11,915 |
| Total noninterest income | $186,000 | 8,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 7,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,769 |
| Total noninterest expense | $1,193,000 | 8,626 |
| Salaries and employee benefits | $647,000 | 8,292 |
| Premises and equipment expense | $183,000 | 7,795 |
| Additional noninterest expense | $363,000 | 9,199 |
| Pre-tax net operating income | $810,000 | 6,825 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $206,000 | 7,245 |
| Income before extraordinary items | $605,000 | 6,500 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $605,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 11,664 |
| Cash dividends | $570,000 | 2,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $604,250 | 6,557 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,183,000 | 8,041 |
| Total interest expense | $1,366,000 | 7,654 |
| Net interest income | $1,817,000 | 8,200 |
| Provision for loan and lease losses | $31,000 | 8,369 |
| Total noninterest income | $157,000 | 10,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,130 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,209 |
| Total noninterest expense | $1,148,000 | 9,114 |
| Salaries and employee benefits | $620,000 | 8,633 |
| Premises and equipment expense | $170,000 | 8,376 |
| Additional noninterest expense | $358,000 | 9,755 |
| Pre-tax net operating income | $795,000 | 6,837 |
| Securities gains (losses) | $36,000 | 3,866 |
| Applicable income taxes | $256,000 | 6,691 |
| Income before extraordinary items | $575,000 | 6,975 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $575,000 | 7,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $460,000 | 3,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $550,160 | 6,885 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,382,000 | 8,360 |
| Total interest expense | $1,641,000 | 8,077 |
| Net interest income | $1,741,000 | 8,526 |
| Provision for loan and lease losses | $109,000 | 7,062 |
| Total noninterest income | $136,000 | 10,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,548 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 11,257 |
| Total noninterest expense | $1,097,000 | 9,523 |
| Salaries and employee benefits | $611,000 | 8,714 |
| Premises and equipment expense | $150,000 | 9,105 |
| Additional noninterest expense | $336,000 | 10,367 |
| Pre-tax net operating income | $671,000 | 7,266 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $177,000 | 8,040 |
| Income before extraordinary items | $497,000 | 7,362 |
| Extraordinary gains, net | $-35,000 | 13,555 |
| Net income | $462,000 | 7,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 5,229 |
| Cash dividends | $371,000 | 3,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $494,780 | 6,996 |
* 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.