Home > San Joaquin Bank > Income and Expense
San Joaquin Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $27,916,000 | 925 |
| Total interest expense | $7,944,000 | 1,180 |
| Net interest income | $19,972,000 | 817 |
| Provision for loan and lease losses | $48,408,000 | 209 |
| Total noninterest income | $3,747,000 | 1,110 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,069,000 | 1,207 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,678,000 | 936 |
| Total noninterest expense | $16,316,000 | 959 |
| Salaries and employee benefits | $3,770,000 | 1,971 |
| Premises and equipment expense | $1,816,000 | 1,142 |
| Additional noninterest expense | $10,730,000 | 554 |
| Pre-tax net operating income | $-41,005,000 | 7,959 |
| Securities gains (losses) | $135,000 | 1,592 |
| Applicable income taxes | $-19,018,000 | 8,023 |
| Income before extraordinary items | $-21,852,000 | 7,901 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-21,852,000 | 7,900 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-21,852,000 | 7,901 |
| Net charge-offs | $30,658,000 | 218 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $221,000 | 565 |
| Net operating income | $-21,938,400 | 7,904 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $18,729,000 | 939 |
| Total interest expense | $5,740,000 | 1,150 |
| Net interest income | $12,989,000 | 835 |
| Provision for loan and lease losses | $43,819,000 | 173 |
| Total noninterest income | $2,170,000 | 1,263 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $716,000 | 1,180 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,454,000 | 1,130 |
| Total noninterest expense | $10,062,000 | 1,043 |
| Salaries and employee benefits | $4,539,000 | 1,117 |
| Premises and equipment expense | $1,223,000 | 1,150 |
| Additional noninterest expense | $4,300,000 | 885 |
| Pre-tax net operating income | $-38,722,000 | 8,079 |
| Securities gains (losses) | $168,000 | 1,124 |
| Applicable income taxes | $-18,793,000 | 8,129 |
| Income before extraordinary items | $-19,761,000 | 8,033 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-19,761,000 | 8,033 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-19,761,000 | 8,033 |
| Net charge-offs | $14,332,000 | 294 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 531 |
| Net operating income | $-19,868,520 | 8,031 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,923,000 | 888 |
| Total interest expense | $3,189,000 | 1,085 |
| Net interest income | $6,734,000 | 802 |
| Provision for loan and lease losses | $37,031,000 | 127 |
| Total noninterest income | $1,467,000 | 954 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $362,000 | 1,146 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,105,000 | 778 |
| Total noninterest expense | $4,638,000 | 1,080 |
| Salaries and employee benefits | $2,077,000 | 1,236 |
| Premises and equipment expense | $606,000 | 1,186 |
| Additional noninterest expense | $1,955,000 | 842 |
| Pre-tax net operating income | $-33,468,000 | 8,177 |
| Securities gains (losses) | $146,000 | 814 |
| Applicable income taxes | $-15,240,000 | 8,197 |
| Income before extraordinary items | $-18,082,000 | 8,150 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-18,082,000 | 8,150 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-18,082,000 | 8,150 |
| Net charge-offs | $10,696,000 | 201 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 416 |
| Net operating income | $-18,175,440 | 8,148 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $51,490,000 | 719 |
| Total interest expense | $17,597,000 | 904 |
| Net interest income | $33,893,000 | 637 |
| Provision for loan and lease losses | $16,644,000 | 421 |
| Total noninterest income | $3,465,000 | 1,414 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,167,000 | 1,530 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,298,000 | 1,182 |
| Total noninterest expense | $17,251,000 | 1,140 |
| Salaries and employee benefits | $10,222,000 | 970 |
| Premises and equipment expense | $2,308,000 | 1,189 |
| Additional noninterest expense | $4,721,000 | 1,337 |
| Pre-tax net operating income | $3,463,000 | 1,570 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $597,000 | 1,674 |
| Income before extraordinary items | $2,866,000 | 1,427 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,866,000 | 1,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,375,000 | 400 |
| Cash dividends | $1,200,000 | 2,027 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 673 |
| Net operating income | $2,866,000 | 1,522 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $39,345,000 | 731 |
| Total interest expense | $13,802,000 | 904 |
| Net interest income | $25,543,000 | 646 |
| Provision for loan and lease losses | $13,199,000 | 331 |
| Total noninterest income | $2,607,000 | 1,460 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $839,000 | 1,601 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,768,000 | 1,211 |
| Total noninterest expense | $13,309,000 | 1,100 |
| Salaries and employee benefits | $8,272,000 | 935 |
| Premises and equipment expense | $1,656,000 | 1,243 |
| Additional noninterest expense | $3,381,000 | 1,333 |
| Pre-tax net operating income | $1,642,000 | 2,659 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $454,000 | 2,023 |
| Income before extraordinary items | $1,188,000 | 2,774 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,188,000 | 2,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,326,000 | 259 |
| Cash dividends | $600,000 | 2,477 |
| Sale, conversion, retirement of capital stock, net | $219,000 | 549 |
| Net operating income | $1,188,000 | 2,919 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $27,042,000 | 721 |
| Total interest expense | $9,943,000 | 864 |
| Net interest income | $17,099,000 | 639 |
| Provision for loan and lease losses | $328,000 | 2,414 |
| Total noninterest income | $1,639,000 | 1,542 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $537,000 | 1,647 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,102,000 | 1,311 |
| Total noninterest expense | $8,788,000 | 1,106 |
| Salaries and employee benefits | $5,503,000 | 943 |
| Premises and equipment expense | $1,083,000 | 1,261 |
| Additional noninterest expense | $2,202,000 | 1,345 |
| Pre-tax net operating income | $9,622,000 | 385 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $4,129,000 | 301 |
| Income before extraordinary items | $5,493,000 | 506 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,493,000 | 505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 8,346 |
| Cash dividends | $600,000 | 2,026 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 481 |
| Net operating income | $5,493,000 | 498 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $14,102,000 | 713 |
| Total interest expense | $5,691,000 | 799 |
| Net interest income | $8,411,000 | 653 |
| Provision for loan and lease losses | $110,000 | 2,589 |
| Total noninterest income | $765,000 | 1,616 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $257,000 | 1,691 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $508,000 | 1,402 |
| Total noninterest expense | $4,350,000 | 1,117 |
| Salaries and employee benefits | $2,755,000 | 954 |
| Premises and equipment expense | $523,000 | 1,323 |
| Additional noninterest expense | $1,072,000 | 1,345 |
| Pre-tax net operating income | $4,716,000 | 428 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $2,000,000 | 342 |
| Income before extraordinary items | $2,716,000 | 558 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,716,000 | 559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,343 |
| Cash dividends | $600,000 | 1,164 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 394 |
| Net operating income | $2,716,000 | 533 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $55,657,000 | 744 |
| Total interest expense | $24,592,000 | 804 |
| Net interest income | $31,065,000 | 711 |
| Provision for loan and lease losses | $900,000 | 1,538 |
| Total noninterest income | $3,106,000 | 1,595 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $907,000 | 1,914 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,199,000 | 1,285 |
| Total noninterest expense | $16,036,000 | 1,167 |
| Salaries and employee benefits | $10,023,000 | 998 |
| Premises and equipment expense | $2,088,000 | 1,273 |
| Additional noninterest expense | $3,925,000 | 1,412 |
| Pre-tax net operating income | $17,235,000 | 518 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $7,242,000 | 415 |
| Income before extraordinary items | $9,993,000 | 651 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,993,000 | 649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,878 |
| Cash dividends | $1,332,000 | 2,192 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 646 |
| Net operating income | $9,993,000 | 642 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $41,138,000 | 752 |
| Total interest expense | $18,020,000 | 824 |
| Net interest income | $23,118,000 | 716 |
| Provision for loan and lease losses | $675,000 | 1,244 |
| Total noninterest income | $2,328,000 | 1,606 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $660,000 | 1,958 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,668,000 | 1,284 |
| Total noninterest expense | $11,947,000 | 1,169 |
| Salaries and employee benefits | $7,457,000 | 1,003 |
| Premises and equipment expense | $1,537,000 | 1,290 |
| Additional noninterest expense | $2,953,000 | 1,365 |
| Pre-tax net operating income | $12,824,000 | 567 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $5,447,000 | 448 |
| Income before extraordinary items | $7,377,000 | 717 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $7,377,000 | 715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,582 |
| Cash dividends | $1,332,000 | 1,648 |
| Sale, conversion, retirement of capital stock, net | $235,000 | 557 |
| Net operating income | $7,377,000 | 707 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $26,716,000 | 784 |
| Total interest expense | $11,661,000 | 851 |
| Net interest income | $15,055,000 | 749 |
| Provision for loan and lease losses | $450,000 | 1,118 |
| Total noninterest income | $1,594,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $432,000 | 1,987 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,162,000 | 1,258 |
| Total noninterest expense | $7,787,000 | 1,216 |
| Salaries and employee benefits | $4,914,000 | 1,033 |
| Premises and equipment expense | $970,000 | 1,364 |
| Additional noninterest expense | $1,903,000 | 1,431 |
| Pre-tax net operating income | $8,412,000 | 597 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,523,000 | 490 |
| Income before extraordinary items | $4,889,000 | 743 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,889,000 | 742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,451 |
| Cash dividends | $1,332,000 | 1,230 |
| Sale, conversion, retirement of capital stock, net | $177,000 | 475 |
| Net operating income | $4,889,000 | 736 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,997,000 | 796 |
| Total interest expense | $5,575,000 | 883 |
| Net interest income | $7,422,000 | 752 |
| Provision for loan and lease losses | $225,000 | 1,053 |
| Total noninterest income | $734,000 | 1,666 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $210,000 | 1,972 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $524,000 | 1,311 |
| Total noninterest expense | $3,739,000 | 1,251 |
| Salaries and employee benefits | $2,367,000 | 1,085 |
| Premises and equipment expense | $481,000 | 1,398 |
| Additional noninterest expense | $891,000 | 1,498 |
| Pre-tax net operating income | $4,192,000 | 601 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,793,000 | 481 |
| Income before extraordinary items | $2,399,000 | 753 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,399,000 | 752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,124 |
| Cash dividends | $1,332,000 | 638 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 469 |
| Net operating income | $2,399,000 | 743 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $46,529,000 | 820 |
| Total interest expense | $17,585,000 | 953 |
| Net interest income | $28,944,000 | 764 |
| Provision for loan and lease losses | $1,730,000 | 629 |
| Total noninterest income | $3,067,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $787,000 | 2,138 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,280,000 | 1,227 |
| Total noninterest expense | $15,069,000 | 1,199 |
| Salaries and employee benefits | $9,493,000 | 1,012 |
| Premises and equipment expense | $1,971,000 | 1,314 |
| Additional noninterest expense | $3,605,000 | 1,466 |
| Pre-tax net operating income | $15,212,000 | 682 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $6,496,000 | 526 |
| Income before extraordinary items | $8,716,000 | 856 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,716,000 | 855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,577 |
| Cash dividends | $834,000 | 2,873 |
| Sale, conversion, retirement of capital stock, net | $434,000 | 626 |
| Net operating income | $8,716,000 | 847 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $33,967,000 | 848 |
| Total interest expense | $12,332,000 | 993 |
| Net interest income | $21,635,000 | 786 |
| Provision for loan and lease losses | $1,130,000 | 672 |
| Total noninterest income | $2,232,000 | 1,647 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $591,000 | 2,153 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,641,000 | 1,287 |
| Total noninterest expense | $11,134,000 | 1,228 |
| Salaries and employee benefits | $7,008,000 | 1,039 |
| Premises and equipment expense | $1,461,000 | 1,337 |
| Additional noninterest expense | $2,665,000 | 1,484 |
| Pre-tax net operating income | $11,603,000 | 700 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,818,000 | 556 |
| Income before extraordinary items | $6,785,000 | 852 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,785,000 | 851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-66,000 | 8,428 |
| Cash dividends | $834,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $393,000 | 492 |
| Net operating income | $6,785,000 | 844 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,776,000 | 870 |
| Total interest expense | $7,464,000 | 1,023 |
| Net interest income | $14,312,000 | 793 |
| Provision for loan and lease losses | $530,000 | 933 |
| Total noninterest income | $1,509,000 | 1,627 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $391,000 | 2,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,118,000 | 1,260 |
| Total noninterest expense | $7,351,000 | 1,251 |
| Salaries and employee benefits | $4,563,000 | 1,074 |
| Premises and equipment expense | $959,000 | 1,351 |
| Additional noninterest expense | $1,829,000 | 1,452 |
| Pre-tax net operating income | $7,940,000 | 681 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,152,000 | 573 |
| Income before extraordinary items | $4,788,000 | 815 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,788,000 | 815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,908 |
| Cash dividends | $834,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $354,000 | 366 |
| Net operating income | $4,788,000 | 802 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,436,000 | 888 |
| Total interest expense | $3,437,000 | 1,056 |
| Net interest income | $6,999,000 | 803 |
| Provision for loan and lease losses | $230,000 | 1,009 |
| Total noninterest income | $656,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $196,000 | 2,079 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $460,000 | 1,429 |
| Total noninterest expense | $3,603,000 | 1,275 |
| Salaries and employee benefits | $2,277,000 | 1,080 |
| Premises and equipment expense | $462,000 | 1,407 |
| Additional noninterest expense | $864,000 | 1,520 |
| Pre-tax net operating income | $3,822,000 | 695 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,616,000 | 556 |
| Income before extraordinary items | $2,206,000 | 866 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,206,000 | 865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-86,000 | 8,621 |
| Cash dividends | $834,000 | 874 |
| Sale, conversion, retirement of capital stock, net | $277,000 | 227 |
| Net operating income | $2,206,000 | 849 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $32,269,000 | 1,018 |
| Total interest expense | $9,046,000 | 1,252 |
| Net interest income | $23,223,000 | 924 |
| Provision for loan and lease losses | $1,200,000 | 871 |
| Total noninterest income | $2,712,000 | 1,749 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $886,000 | 1,937 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,826,000 | 1,439 |
| Total noninterest expense | $13,277,000 | 1,298 |
| Salaries and employee benefits | $7,815,000 | 1,181 |
| Premises and equipment expense | $1,920,000 | 1,280 |
| Additional noninterest expense | $3,542,000 | 1,447 |
| Pre-tax net operating income | $11,458,000 | 860 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,785,000 | 669 |
| Income before extraordinary items | $6,673,000 | 1,085 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,673,000 | 1,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $562,000 | 1,064 |
| Cash dividends | $755,000 | 2,934 |
| Sale, conversion, retirement of capital stock, net | $185,000 | 656 |
| Net operating income | $6,673,000 | 1,068 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $22,838,000 | 1,051 |
| Total interest expense | $6,023,000 | 1,327 |
| Net interest income | $16,815,000 | 940 |
| Provision for loan and lease losses | $900,000 | 826 |
| Total noninterest income | $2,047,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $682,000 | 1,883 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,365,000 | 1,450 |
| Total noninterest expense | $9,771,000 | 1,312 |
| Salaries and employee benefits | $5,711,000 | 1,206 |
| Premises and equipment expense | $1,454,000 | 1,256 |
| Additional noninterest expense | $2,606,000 | 1,442 |
| Pre-tax net operating income | $8,191,000 | 900 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,403,000 | 699 |
| Income before extraordinary items | $4,788,000 | 1,137 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,788,000 | 1,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 1,330 |
| Cash dividends | $755,000 | 2,189 |
| Sale, conversion, retirement of capital stock, net | $185,000 | 504 |
| Net operating income | $4,788,000 | 1,115 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,350,000 | 1,081 |
| Total interest expense | $3,468,000 | 1,447 |
| Net interest income | $10,882,000 | 957 |
| Provision for loan and lease losses | $600,000 | 816 |
| Total noninterest income | $1,367,000 | 1,727 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $458,000 | 1,829 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $909,000 | 1,440 |
| Total noninterest expense | $6,447,000 | 1,315 |
| Salaries and employee benefits | $3,730,000 | 1,223 |
| Premises and equipment expense | $1,000,000 | 1,207 |
| Additional noninterest expense | $1,717,000 | 1,452 |
| Pre-tax net operating income | $5,202,000 | 918 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,105,000 | 738 |
| Income before extraordinary items | $3,097,000 | 1,137 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,097,000 | 1,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,708 |
| Cash dividends | $755,000 | 1,650 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 377 |
| Net operating income | $3,097,000 | 1,112 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,842,000 | 1,112 |
| Total interest expense | $1,489,000 | 1,600 |
| Net interest income | $5,353,000 | 966 |
| Provision for loan and lease losses | $300,000 | 755 |
| Total noninterest income | $675,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $212,000 | 1,908 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $463,000 | 1,398 |
| Total noninterest expense | $3,291,000 | 1,291 |
| Salaries and employee benefits | $1,953,000 | 1,172 |
| Premises and equipment expense | $564,000 | 1,064 |
| Additional noninterest expense | $774,000 | 1,594 |
| Pre-tax net operating income | $2,437,000 | 958 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,036,000 | 745 |
| Income before extraordinary items | $1,401,000 | 1,235 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,401,000 | 1,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,719 |
| Cash dividends | $755,000 | 846 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 235 |
| Net operating income | $1,401,000 | 1,210 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $22,115,000 | 1,277 |
| Total interest expense | $3,537,000 | 2,289 |
| Net interest income | $18,578,000 | 1,075 |
| Provision for loan and lease losses | $1,152,000 | 931 |
| Total noninterest income | $3,008,000 | 1,598 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $984,000 | 1,786 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,024,000 | 1,307 |
| Total noninterest expense | $11,458,000 | 1,419 |
| Salaries and employee benefits | $6,858,000 | 1,282 |
| Premises and equipment expense | $1,490,000 | 1,562 |
| Additional noninterest expense | $3,110,000 | 1,572 |
| Pre-tax net operating income | $8,976,000 | 970 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,516,000 | 788 |
| Income before extraordinary items | $5,460,000 | 1,196 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,460,000 | 1,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 1,373 |
| Cash dividends | $676,000 | 3,028 |
| Sale, conversion, retirement of capital stock, net | $188,000 | 581 |
| Net operating income | $5,460,000 | 1,167 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,767,000 | 1,338 |
| Total interest expense | $2,327,000 | 2,516 |
| Net interest income | $13,440,000 | 1,098 |
| Provision for loan and lease losses | $900,000 | 852 |
| Total noninterest income | $2,275,000 | 1,602 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $761,000 | 1,744 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,514,000 | 1,320 |
| Total noninterest expense | $8,263,000 | 1,473 |
| Salaries and employee benefits | $4,930,000 | 1,336 |
| Premises and equipment expense | $1,059,000 | 1,649 |
| Additional noninterest expense | $2,274,000 | 1,591 |
| Pre-tax net operating income | $6,552,000 | 1,010 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,482,000 | 861 |
| Income before extraordinary items | $4,070,000 | 1,211 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,070,000 | 1,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 8,756 |
| Cash dividends | $676,000 | 2,240 |
| Sale, conversion, retirement of capital stock, net | $185,000 | 453 |
| Net operating income | $4,070,000 | 1,176 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,205,000 | 1,361 |
| Total interest expense | $1,428,000 | 2,675 |
| Net interest income | $8,777,000 | 1,122 |
| Provision for loan and lease losses | $600,000 | 825 |
| Total noninterest income | $1,452,000 | 1,652 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $517,000 | 1,692 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $935,000 | 1,396 |
| Total noninterest expense | $5,453,000 | 1,492 |
| Salaries and employee benefits | $3,179,000 | 1,381 |
| Premises and equipment expense | $680,000 | 1,703 |
| Additional noninterest expense | $1,594,000 | 1,518 |
| Pre-tax net operating income | $4,176,000 | 1,038 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,514,000 | 916 |
| Income before extraordinary items | $2,662,000 | 1,225 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,662,000 | 1,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,726 |
| Cash dividends | $676,000 | 1,736 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 348 |
| Net operating income | $2,662,000 | 1,181 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,996,000 | 1,392 |
| Total interest expense | $709,000 | 2,716 |
| Net interest income | $4,287,000 | 1,151 |
| Provision for loan and lease losses | $300,000 | 782 |
| Total noninterest income | $728,000 | 1,613 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $255,000 | 1,672 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $473,000 | 1,347 |
| Total noninterest expense | $2,614,000 | 1,551 |
| Salaries and employee benefits | $1,570,000 | 1,414 |
| Premises and equipment expense | $334,000 | 1,742 |
| Additional noninterest expense | $710,000 | 1,674 |
| Pre-tax net operating income | $2,101,000 | 1,031 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $904,000 | 798 |
| Income before extraordinary items | $1,197,000 | 1,341 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,197,000 | 1,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,521 |
| Cash dividends | $676,000 | 939 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 252 |
| Net operating income | $1,197,000 | 1,274 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,151,000 | 1,587 |
| Total interest expense | $2,952,000 | 2,915 |
| Net interest income | $15,199,000 | 1,280 |
| Provision for loan and lease losses | $1,470,000 | 839 |
| Total noninterest income | $2,930,000 | 1,720 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,139,000 | 1,505 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,791,000 | 1,586 |
| Total noninterest expense | $10,291,000 | 1,546 |
| Salaries and employee benefits | $5,558,000 | 1,550 |
| Premises and equipment expense | $1,453,000 | 1,572 |
| Additional noninterest expense | $3,280,000 | 1,506 |
| Pre-tax net operating income | $6,368,000 | 1,295 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,138,000 | 1,226 |
| Income before extraordinary items | $4,230,000 | 1,480 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,230,000 | 1,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $525,000 | 1,554 |
| Cash dividends | $667,000 | 3,018 |
| Sale, conversion, retirement of capital stock, net | $259,000 | 563 |
| Net operating income | $4,230,000 | 1,415 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,233,000 | 1,646 |
| Total interest expense | $2,278,000 | 2,922 |
| Net interest income | $10,955,000 | 1,348 |
| Provision for loan and lease losses | $1,026,000 | 879 |
| Total noninterest income | $2,160,000 | 1,794 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $860,000 | 1,517 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,300,000 | 1,699 |
| Total noninterest expense | $7,263,000 | 1,673 |
| Salaries and employee benefits | $4,114,000 | 1,579 |
| Premises and equipment expense | $1,060,000 | 1,619 |
| Additional noninterest expense | $2,089,000 | 1,730 |
| Pre-tax net operating income | $4,826,000 | 1,336 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,601,000 | 1,270 |
| Income before extraordinary items | $3,225,000 | 1,518 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,225,000 | 1,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 1,940 |
| Cash dividends | $667,000 | 2,238 |
| Sale, conversion, retirement of capital stock, net | $243,000 | 426 |
| Net operating income | $3,225,000 | 1,446 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,630,000 | 1,708 |
| Total interest expense | $1,570,000 | 2,927 |
| Net interest income | $7,060,000 | 1,391 |
| Provision for loan and lease losses | $558,000 | 1,050 |
| Total noninterest income | $1,408,000 | 1,810 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $592,000 | 1,440 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $816,000 | 1,753 |
| Total noninterest expense | $4,732,000 | 1,696 |
| Salaries and employee benefits | $2,723,000 | 1,579 |
| Premises and equipment expense | $671,000 | 1,696 |
| Additional noninterest expense | $1,338,000 | 1,799 |
| Pre-tax net operating income | $3,178,000 | 1,343 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,028,000 | 1,339 |
| Income before extraordinary items | $2,150,000 | 1,524 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,150,000 | 1,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,902 |
| Cash dividends | $667,000 | 1,770 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 361 |
| Net operating income | $2,150,000 | 1,425 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,256,000 | 1,735 |
| Total interest expense | $781,000 | 3,002 |
| Net interest income | $3,475,000 | 1,408 |
| Provision for loan and lease losses | $246,000 | 1,147 |
| Total noninterest income | $650,000 | 1,880 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $289,000 | 1,432 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $361,000 | 1,866 |
| Total noninterest expense | $2,262,000 | 1,748 |
| Salaries and employee benefits | $1,383,000 | 1,541 |
| Premises and equipment expense | $339,000 | 1,681 |
| Additional noninterest expense | $540,000 | 2,180 |
| Pre-tax net operating income | $1,617,000 | 1,317 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $462,000 | 1,467 |
| Income before extraordinary items | $1,155,000 | 1,416 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,155,000 | 1,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 9,043 |
| Cash dividends | $667,000 | 960 |
| Sale, conversion, retirement of capital stock, net | $133,000 | 209 |
| Net operating income | $1,155,000 | 1,325 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,644,000 | 1,741 |
| Total interest expense | $3,986,000 | 2,760 |
| Net interest income | $13,658,000 | 1,431 |
| Provision for loan and lease losses | $1,671,000 | 859 |
| Total noninterest income | $2,597,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,159,000 | 1,403 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,438,000 | 1,697 |
| Total noninterest expense | $8,842,000 | 1,715 |
| Salaries and employee benefits | $4,896,000 | 1,647 |
| Premises and equipment expense | $1,442,000 | 1,537 |
| Additional noninterest expense | $2,504,000 | 1,852 |
| Pre-tax net operating income | $5,742,000 | 1,452 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,197,000 | 1,193 |
| Income before extraordinary items | $3,545,000 | 1,690 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,545,000 | 1,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 1,723 |
| Cash dividends | $592,000 | 3,205 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 662 |
| Net operating income | $3,545,000 | 1,635 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,537,000 | 1,851 |
| Total interest expense | $6,890,000 | 2,321 |
| Net interest income | $11,647,000 | 1,527 |
| Provision for loan and lease losses | $1,037,000 | 1,211 |
| Total noninterest income | $2,127,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $892,000 | 1,699 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,235,000 | 1,760 |
| Total noninterest expense | $7,820,000 | 1,849 |
| Salaries and employee benefits | $4,286,000 | 1,753 |
| Premises and equipment expense | $1,296,000 | 1,668 |
| Additional noninterest expense | $2,238,000 | 2,012 |
| Pre-tax net operating income | $4,917,000 | 1,462 |
| Securities gains (losses) | $5,000 | 3,927 |
| Applicable income taxes | $2,047,000 | 1,157 |
| Income before extraordinary items | $2,875,000 | 1,823 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,875,000 | 1,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 3,001 |
| Cash dividends | $553,000 | 3,289 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 712 |
| Net operating income | $2,871,800 | 1,761 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,971,000 | 1,957 |
| Total interest expense | $7,287,000 | 2,323 |
| Net interest income | $10,684,000 | 1,642 |
| Provision for loan and lease losses | $970,000 | 1,097 |
| Total noninterest income | $1,632,000 | 2,202 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $690,000 | 2,009 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $942,000 | 1,936 |
| Total noninterest expense | $6,958,000 | 1,989 |
| Salaries and employee benefits | $3,913,000 | 1,840 |
| Premises and equipment expense | $1,128,000 | 1,855 |
| Additional noninterest expense | $1,917,000 | 2,256 |
| Pre-tax net operating income | $4,388,000 | 1,675 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $1,830,000 | 1,269 |
| Income before extraordinary items | $2,555,000 | 2,040 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,555,000 | 2,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 1,662 |
| Cash dividends | $500,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $-1,273,000 | 9,860 |
| Net operating income | $2,556,920 | 2,045 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,476,000 | 2,248 |
| Total interest expense | $5,236,000 | 2,791 |
| Net interest income | $9,240,000 | 1,899 |
| Provision for loan and lease losses | $575,000 | 1,581 |
| Total noninterest income | $1,435,000 | 2,365 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $649,000 | 2,046 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $786,000 | 2,182 |
| Total noninterest expense | $6,345,000 | 2,141 |
| Salaries and employee benefits | $3,516,000 | 1,994 |
| Premises and equipment expense | $987,000 | 2,075 |
| Additional noninterest expense | $1,842,000 | 2,370 |
| Pre-tax net operating income | $3,755,000 | 1,959 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $1,563,000 | 1,543 |
| Income before extraordinary items | $2,200,000 | 2,368 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,200,000 | 2,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $371,000 | 1,546 |
| Cash dividends | $405,000 | 3,877 |
| Sale, conversion, retirement of capital stock, net | $-419,000 | 10,143 |
| Net operating income | $2,194,880 | 2,349 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,380,000 | 2,431 |
| Total interest expense | $5,002,000 | 2,996 |
| Net interest income | $8,378,000 | 2,042 |
| Provision for loan and lease losses | $510,000 | 1,691 |
| Total noninterest income | $1,436,000 | 2,340 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $691,000 | 1,852 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $745,000 | 2,280 |
| Total noninterest expense | $5,837,000 | 2,243 |
| Salaries and employee benefits | $3,329,000 | 2,025 |
| Premises and equipment expense | $956,000 | 2,038 |
| Additional noninterest expense | $1,552,000 | 2,689 |
| Pre-tax net operating income | $3,467,000 | 2,086 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,424,000 | 1,714 |
| Income before extraordinary items | $2,043,000 | 2,496 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,043,000 | 2,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,554 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $77,000 | 805 |
| Net operating income | $2,043,000 | 2,419 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,110,000 | 2,704 |
| Total interest expense | $4,543,000 | 3,268 |
| Net interest income | $7,567,000 | 2,317 |
| Provision for loan and lease losses | $470,000 | 1,876 |
| Total noninterest income | $1,234,000 | 2,566 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $713,000 | 1,823 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $521,000 | 2,737 |
| Total noninterest expense | $5,140,000 | 2,502 |
| Salaries and employee benefits | $2,894,000 | 2,284 |
| Premises and equipment expense | $920,000 | 2,140 |
| Additional noninterest expense | $1,326,000 | 3,052 |
| Pre-tax net operating income | $3,191,000 | 2,355 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $1,237,000 | 2,016 |
| Income before extraordinary items | $1,952,000 | 2,640 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,952,000 | 2,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,662 |
| Cash dividends | $1,000 | 7,864 |
| Sale, conversion, retirement of capital stock, net | $94,000 | 777 |
| Net operating income | $1,953,280 | 2,594 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,684,000 | 3,075 |
| Total interest expense | $3,923,000 | 3,779 |
| Net interest income | $6,761,000 | 2,603 |
| Provision for loan and lease losses | $205,000 | 3,345 |
| Total noninterest income | $975,000 | 3,191 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $619,000 | 2,179 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $356,000 | 3,653 |
| Total noninterest expense | $4,557,000 | 2,984 |
| Salaries and employee benefits | $2,512,000 | 2,692 |
| Premises and equipment expense | $776,000 | 2,526 |
| Additional noninterest expense | $1,269,000 | 3,609 |
| Pre-tax net operating income | $2,974,000 | 2,394 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $1,225,000 | 1,960 |
| Income before extraordinary items | $1,750,000 | 2,780 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,750,000 | 2,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,799 |
| Cash dividends | $2,000 | 8,316 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 882 |
| Net operating income | $1,749,360 | 2,737 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,709,000 | 3,372 |
| Total interest expense | $3,290,000 | 4,388 |
| Net interest income | $6,419,000 | 2,782 |
| Provision for loan and lease losses | $475,000 | 1,647 |
| Total noninterest income | $771,000 | 3,786 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $536,000 | 2,505 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $235,000 | 4,664 |
| Total noninterest expense | $4,211,000 | 3,171 |
| Salaries and employee benefits | $2,234,000 | 2,979 |
| Premises and equipment expense | $784,000 | 2,526 |
| Additional noninterest expense | $1,193,000 | 3,760 |
| Pre-tax net operating income | $2,504,000 | 2,846 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $983,000 | 2,420 |
| Income before extraordinary items | $1,520,000 | 3,212 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,520,000 | 3,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,304 |
| Cash dividends | $2,000 | 8,693 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 741 |
| Net operating income | $1,520,640 | 3,194 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,953,000 | 3,754 |
| Total interest expense | $2,287,000 | 4,998 |
| Net interest income | $5,666,000 | 3,164 |
| Provision for loan and lease losses | $320,000 | 2,154 |
| Total noninterest income | $651,000 | 4,376 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $490,000 | 2,813 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $161,000 | 5,988 |
| Total noninterest expense | $4,045,000 | 3,396 |
| Salaries and employee benefits | $2,078,000 | 3,166 |
| Premises and equipment expense | $795,000 | 2,542 |
| Additional noninterest expense | $1,172,000 | 4,132 |
| Pre-tax net operating income | $1,952,000 | 3,498 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $772,000 | 2,854 |
| Income before extraordinary items | $1,180,000 | 3,924 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,180,000 | 3,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,278 |
| Cash dividends | $1,000 | 8,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,180,000 | 3,965 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,790,000 | 4,433 |
| Total interest expense | $2,069,000 | 5,677 |
| Net interest income | $4,721,000 | 3,770 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $630,000 | 4,797 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $559,000 | 2,467 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,036 |
| Total noninterest expense | $3,699,000 | 3,735 |
| Salaries and employee benefits | $1,883,000 | 3,464 |
| Premises and equipment expense | $466,000 | 4,116 |
| Additional noninterest expense | $1,350,000 | 3,818 |
| Pre-tax net operating income | $1,572,000 | 4,145 |
| Securities gains (losses) | $26,000 | 4,293 |
| Applicable income taxes | $688,000 | 3,170 |
| Income before extraordinary items | $910,000 | 5,052 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $910,000 | 5,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,874 |
| Cash dividends | $1,000 | 9,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $893,360 | 4,903 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,667,000 | 5,031 |
| Total interest expense | $2,389,000 | 6,203 |
| Net interest income | $4,278,000 | 4,190 |
| Provision for loan and lease losses | $75,000 | 8,067 |
| Total noninterest income | $582,000 | 5,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $471,000 | 2,964 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 7,728 |
| Total noninterest expense | $3,465,000 | 3,966 |
| Salaries and employee benefits | $1,798,000 | 3,560 |
| Premises and equipment expense | $434,000 | 4,484 |
| Additional noninterest expense | $1,233,000 | 4,244 |
| Pre-tax net operating income | $1,320,000 | 4,558 |
| Securities gains (losses) | $-7,000 | 13,179 |
| Applicable income taxes | $510,000 | 3,950 |
| Income before extraordinary items | $804,000 | 5,343 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $804,000 | 5,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 7,683 |
| Cash dividends | $1,000 | 8,899 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,046 |
| Net operating income | $808,480 | 5,018 |
* 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.