SB&T BANK, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,295,000 | 1,108 |
| Total interest expense | $1,717,000 | 1,374 |
| Net interest income | $5,578,000 | 1,006 |
| Provision for loan and lease losses | $1,438,000 | 923 |
| Total noninterest income | $1,019,000 | 1,213 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $763,000 | 495 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $256,000 | 2,036 |
| Total noninterest expense | $3,838,000 | 1,300 |
| Salaries and employee benefits | $1,743,000 | 1,440 |
| Premises and equipment expense | $399,000 | 1,703 |
| Additional noninterest expense | $1,696,000 | 1,034 |
| Pre-tax net operating income | $1,321,000 | 1,008 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $457,000 | 760 |
| Income before extraordinary items | $864,000 | 1,268 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $864,000 | 1,271 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $864,000 | 1,270 |
| Net charge-offs | $909,000 | 1,106 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 623 |
| Net operating income | $864,000 | 1,234 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $30,827,000 | 1,110 |
| Total interest expense | $9,398,000 | 1,268 |
| Net interest income | $21,429,000 | 1,021 |
| Provision for loan and lease losses | $20,047,000 | 497 |
| Total noninterest income | $2,736,000 | 1,722 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,443,000 | 487 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-707,000 | 7,838 |
| Total noninterest expense | $15,264,000 | 1,345 |
| Salaries and employee benefits | $6,746,000 | 1,487 |
| Premises and equipment expense | $1,466,000 | 1,845 |
| Additional noninterest expense | $7,052,000 | 1,105 |
| Pre-tax net operating income | $-11,146,000 | 7,525 |
| Securities gains (losses) | $234,000 | 1,432 |
| Applicable income taxes | $-4,403,000 | 7,731 |
| Income before extraordinary items | $-6,509,000 | 7,394 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,509,000 | 7,392 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,509,000 | 7,392 |
| Net charge-offs | $20,696,000 | 402 |
| Cash dividends | $619,000 | 2,275 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 970 |
| Net operating income | $-6,658,760 | 7,418 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $23,345,000 | 1,125 |
| Total interest expense | $7,475,000 | 1,257 |
| Net interest income | $15,870,000 | 1,039 |
| Provision for loan and lease losses | $14,770,000 | 467 |
| Total noninterest income | $1,835,000 | 1,898 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,585,000 | 487 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-750,000 | 7,987 |
| Total noninterest expense | $11,711,000 | 1,313 |
| Salaries and employee benefits | $5,137,000 | 1,483 |
| Premises and equipment expense | $1,114,000 | 1,835 |
| Additional noninterest expense | $5,460,000 | 1,032 |
| Pre-tax net operating income | $-8,776,000 | 7,700 |
| Securities gains (losses) | $234,000 | 1,183 |
| Applicable income taxes | $-3,462,000 | 7,840 |
| Income before extraordinary items | $-5,080,000 | 7,583 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,080,000 | 7,583 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,080,000 | 7,583 |
| Net charge-offs | $14,330,000 | 394 |
| Cash dividends | $619,000 | 1,760 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 907 |
| Net operating income | $-5,229,760 | 7,610 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $15,766,000 | 1,136 |
| Total interest expense | $5,191,000 | 1,273 |
| Net interest income | $10,575,000 | 1,035 |
| Provision for loan and lease losses | $6,510,000 | 617 |
| Total noninterest income | $617,000 | 2,991 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,684,000 | 491 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-1,067,000 | 8,128 |
| Total noninterest expense | $7,956,000 | 1,315 |
| Salaries and employee benefits | $3,446,000 | 1,504 |
| Premises and equipment expense | $729,000 | 1,897 |
| Additional noninterest expense | $3,781,000 | 1,013 |
| Pre-tax net operating income | $-3,274,000 | 7,595 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,372,000 | 7,819 |
| Income before extraordinary items | $-1,902,000 | 7,454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,902,000 | 7,453 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,902,000 | 7,452 |
| Net charge-offs | $5,969,000 | 517 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 738 |
| Net operating income | $-1,902,000 | 7,454 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,828,000 | 1,157 |
| Total interest expense | $2,679,000 | 1,279 |
| Net interest income | $5,149,000 | 1,052 |
| Provision for loan and lease losses | $3,877,000 | 487 |
| Total noninterest income | $753,000 | 1,616 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $804,000 | 508 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-51,000 | 8,088 |
| Total noninterest expense | $3,739,000 | 1,340 |
| Salaries and employee benefits | $1,744,000 | 1,501 |
| Premises and equipment expense | $375,000 | 1,883 |
| Additional noninterest expense | $1,620,000 | 1,043 |
| Pre-tax net operating income | $-1,714,000 | 7,779 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-720,000 | 7,939 |
| Income before extraordinary items | $-994,000 | 7,702 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-994,000 | 7,704 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-994,000 | 7,703 |
| Net charge-offs | $4,488,000 | 336 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 665 |
| Net operating income | $-994,000 | 7,703 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $23,495,000 | 1,647 |
| Total interest expense | $9,686,000 | 1,680 |
| Net interest income | $13,809,000 | 1,616 |
| Provision for loan and lease losses | $4,759,000 | 1,035 |
| Total noninterest income | $1,687,000 | 2,414 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,899,000 | 944 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-212,000 | 8,171 |
| Total noninterest expense | $9,089,000 | 2,118 |
| Salaries and employee benefits | $4,348,000 | 2,328 |
| Premises and equipment expense | $930,000 | 2,798 |
| Additional noninterest expense | $3,811,000 | 1,629 |
| Pre-tax net operating income | $1,648,000 | 2,854 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $448,000 | 1,957 |
| Income before extraordinary items | $1,200,000 | 2,919 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,200,000 | 2,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,743,000 | 1,405 |
| Cash dividends | $3,231,000 | 844 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 1,025 |
| Net operating income | $1,200,000 | 3,060 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $18,189,000 | 1,637 |
| Total interest expense | $7,151,000 | 1,767 |
| Net interest income | $11,038,000 | 1,535 |
| Provision for loan and lease losses | $2,249,000 | 1,100 |
| Total noninterest income | $941,000 | 3,017 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,418,000 | 947 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-477,000 | 8,338 |
| Total noninterest expense | $6,937,000 | 2,070 |
| Salaries and employee benefits | $3,263,000 | 2,353 |
| Premises and equipment expense | $698,000 | 2,804 |
| Additional noninterest expense | $2,976,000 | 1,498 |
| Pre-tax net operating income | $2,793,000 | 1,744 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $997,000 | 1,156 |
| Income before extraordinary items | $1,796,000 | 1,956 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,796,000 | 1,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $829,000 | 1,461 |
| Cash dividends | $2,376,000 | 888 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 898 |
| Net operating income | $1,796,000 | 2,061 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,307,000 | 1,639 |
| Total interest expense | $4,869,000 | 1,807 |
| Net interest income | $7,438,000 | 1,502 |
| Provision for loan and lease losses | $2,298,000 | 714 |
| Total noninterest income | $570,000 | 3,234 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $919,000 | 953 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-349,000 | 8,418 |
| Total noninterest expense | $4,698,000 | 2,041 |
| Salaries and employee benefits | $2,156,000 | 2,396 |
| Premises and equipment expense | $462,000 | 2,837 |
| Additional noninterest expense | $2,080,000 | 1,410 |
| Pre-tax net operating income | $1,012,000 | 2,921 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $328,000 | 2,105 |
| Income before extraordinary items | $684,000 | 3,361 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $684,000 | 3,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $561,000 | 1,223 |
| Cash dividends | $1,919,000 | 833 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 771 |
| Net operating income | $684,000 | 3,307 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,284,000 | 1,648 |
| Total interest expense | $2,583,000 | 1,818 |
| Net interest income | $3,701,000 | 1,499 |
| Provision for loan and lease losses | $159,000 | 2,070 |
| Total noninterest income | $445,000 | 2,413 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $475,000 | 911 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-30,000 | 8,430 |
| Total noninterest expense | $2,404,000 | 1,996 |
| Salaries and employee benefits | $1,144,000 | 2,302 |
| Premises and equipment expense | $207,000 | 3,130 |
| Additional noninterest expense | $1,053,000 | 1,366 |
| Pre-tax net operating income | $1,583,000 | 1,195 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $577,000 | 896 |
| Income before extraordinary items | $1,006,000 | 1,488 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,006,000 | 1,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,224 |
| Cash dividends | $1,133,000 | 661 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 635 |
| Net operating income | $1,006,000 | 1,431 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $27,488,000 | 1,563 |
| Total interest expense | $11,900,000 | 1,686 |
| Net interest income | $15,588,000 | 1,434 |
| Provision for loan and lease losses | $1,459,000 | 1,080 |
| Total noninterest income | $2,859,000 | 1,700 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,889,000 | 943 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $970,000 | 2,262 |
| Total noninterest expense | $8,452,000 | 2,169 |
| Salaries and employee benefits | $4,197,000 | 2,398 |
| Premises and equipment expense | $872,000 | 2,879 |
| Additional noninterest expense | $3,383,000 | 1,649 |
| Pre-tax net operating income | $8,536,000 | 994 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,195,000 | 766 |
| Income before extraordinary items | $5,341,000 | 1,198 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,341,000 | 1,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,736,000 | 682 |
| Cash dividends | $4,532,000 | 806 |
| Sale, conversion, retirement of capital stock, net | $238,000 | 706 |
| Net operating income | $5,341,000 | 1,194 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,774,000 | 1,560 |
| Total interest expense | $8,988,000 | 1,664 |
| Net interest income | $11,786,000 | 1,431 |
| Provision for loan and lease losses | $1,183,000 | 783 |
| Total noninterest income | $2,134,000 | 1,712 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,398,000 | 941 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $736,000 | 2,236 |
| Total noninterest expense | $6,414,000 | 2,117 |
| Salaries and employee benefits | $3,257,000 | 2,311 |
| Premises and equipment expense | $638,000 | 2,916 |
| Additional noninterest expense | $2,519,000 | 1,619 |
| Pre-tax net operating income | $6,323,000 | 1,091 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,389,000 | 825 |
| Income before extraordinary items | $3,934,000 | 1,307 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,934,000 | 1,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,185,000 | 576 |
| Cash dividends | $3,323,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $212,000 | 579 |
| Net operating income | $3,934,000 | 1,298 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,840,000 | 1,577 |
| Total interest expense | $5,838,000 | 1,720 |
| Net interest income | $8,002,000 | 1,432 |
| Provision for loan and lease losses | $934,000 | 619 |
| Total noninterest income | $1,370,000 | 1,780 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $904,000 | 983 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $466,000 | 2,356 |
| Total noninterest expense | $4,272,000 | 2,149 |
| Salaries and employee benefits | $2,179,000 | 2,336 |
| Premises and equipment expense | $426,000 | 2,939 |
| Additional noninterest expense | $1,667,000 | 1,625 |
| Pre-tax net operating income | $4,166,000 | 1,140 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,565,000 | 884 |
| Income before extraordinary items | $2,601,000 | 1,369 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,601,000 | 1,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 761 |
| Cash dividends | $2,114,000 | 835 |
| Sale, conversion, retirement of capital stock, net | $141,000 | 523 |
| Net operating income | $2,601,000 | 1,350 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,914,000 | 1,574 |
| Total interest expense | $2,860,000 | 1,743 |
| Net interest income | $4,054,000 | 1,407 |
| Provision for loan and lease losses | $420,000 | 604 |
| Total noninterest income | $665,000 | 1,803 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $442,000 | 976 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $223,000 | 2,388 |
| Total noninterest expense | $2,187,000 | 2,111 |
| Salaries and employee benefits | $1,091,000 | 2,352 |
| Premises and equipment expense | $220,000 | 2,880 |
| Additional noninterest expense | $876,000 | 1,520 |
| Pre-tax net operating income | $2,112,000 | 1,104 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $782,000 | 887 |
| Income before extraordinary items | $1,330,000 | 1,319 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,330,000 | 1,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,280 |
| Cash dividends | $905,000 | 878 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 409 |
| Net operating income | $1,330,000 | 1,309 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,025,000 | 1,535 |
| Total interest expense | $10,006,000 | 1,680 |
| Net interest income | $16,019,000 | 1,418 |
| Provision for loan and lease losses | $2,590,000 | 440 |
| Total noninterest income | $2,718,000 | 1,769 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,038,000 | 869 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $680,000 | 2,806 |
| Total noninterest expense | $7,963,000 | 2,219 |
| Salaries and employee benefits | $3,940,000 | 2,472 |
| Premises and equipment expense | $800,000 | 3,007 |
| Additional noninterest expense | $3,223,000 | 1,628 |
| Pre-tax net operating income | $8,184,000 | 1,206 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,046,000 | 928 |
| Income before extraordinary items | $5,138,000 | 1,423 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,138,000 | 1,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,976,000 | 390 |
| Cash dividends | $3,402,000 | 1,000 |
| Sale, conversion, retirement of capital stock, net | $103,000 | 885 |
| Net operating income | $5,138,000 | 1,407 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,126,000 | 1,554 |
| Total interest expense | $7,173,000 | 1,707 |
| Net interest income | $11,953,000 | 1,442 |
| Provision for loan and lease losses | $2,055,000 | 388 |
| Total noninterest income | $2,043,000 | 1,769 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,555,000 | 852 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $488,000 | 2,888 |
| Total noninterest expense | $5,883,000 | 2,240 |
| Salaries and employee benefits | $2,921,000 | 2,489 |
| Premises and equipment expense | $600,000 | 3,001 |
| Additional noninterest expense | $2,362,000 | 1,670 |
| Pre-tax net operating income | $6,058,000 | 1,258 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,234,000 | 1,001 |
| Income before extraordinary items | $3,824,000 | 1,466 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,824,000 | 1,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,424,000 | 351 |
| Cash dividends | $2,497,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $80,000 | 742 |
| Net operating income | $3,824,000 | 1,450 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,489,000 | 1,561 |
| Total interest expense | $4,528,000 | 1,714 |
| Net interest income | $7,961,000 | 1,447 |
| Provision for loan and lease losses | $1,380,000 | 370 |
| Total noninterest income | $1,331,000 | 1,805 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,022,000 | 846 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $309,000 | 2,961 |
| Total noninterest expense | $3,861,000 | 2,291 |
| Salaries and employee benefits | $1,944,000 | 2,503 |
| Premises and equipment expense | $393,000 | 3,044 |
| Additional noninterest expense | $1,524,000 | 1,739 |
| Pre-tax net operating income | $4,051,000 | 1,252 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,502,000 | 992 |
| Income before extraordinary items | $2,549,000 | 1,463 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,549,000 | 1,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,109,000 | 315 |
| Cash dividends | $1,592,000 | 997 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,549,000 | 1,443 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,108,000 | 1,552 |
| Total interest expense | $2,211,000 | 1,673 |
| Net interest income | $3,897,000 | 1,475 |
| Provision for loan and lease losses | $575,000 | 427 |
| Total noninterest income | $631,000 | 1,845 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $475,000 | 886 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $156,000 | 2,907 |
| Total noninterest expense | $1,965,000 | 2,262 |
| Salaries and employee benefits | $968,000 | 2,519 |
| Premises and equipment expense | $191,000 | 3,125 |
| Additional noninterest expense | $806,000 | 1,616 |
| Pre-tax net operating income | $1,988,000 | 1,238 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $746,000 | 993 |
| Income before extraordinary items | $1,242,000 | 1,465 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,242,000 | 1,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 933 |
| Cash dividends | $687,000 | 1,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,242,000 | 1,445 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $20,899,000 | 1,618 |
| Total interest expense | $6,568,000 | 1,733 |
| Net interest income | $14,331,000 | 1,532 |
| Provision for loan and lease losses | $2,630,000 | 406 |
| Total noninterest income | $2,270,000 | 2,020 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,851,000 | 936 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $419,000 | 3,696 |
| Total noninterest expense | $6,944,000 | 2,406 |
| Salaries and employee benefits | $3,164,000 | 2,832 |
| Premises and equipment expense | $750,000 | 3,065 |
| Additional noninterest expense | $3,030,000 | 1,662 |
| Pre-tax net operating income | $7,027,000 | 1,358 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $2,583,000 | 1,097 |
| Income before extraordinary items | $4,445,000 | 1,581 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,445,000 | 1,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,370,000 | 340 |
| Cash dividends | $2,352,000 | 1,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,444,360 | 1,556 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,045,000 | 1,648 |
| Total interest expense | $4,581,000 | 1,753 |
| Net interest income | $10,464,000 | 1,553 |
| Provision for loan and lease losses | $2,020,000 | 380 |
| Total noninterest income | $1,729,000 | 1,986 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,412,000 | 923 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $317,000 | 3,713 |
| Total noninterest expense | $5,049,000 | 2,451 |
| Salaries and employee benefits | $2,260,000 | 2,923 |
| Premises and equipment expense | $563,000 | 3,040 |
| Additional noninterest expense | $2,226,000 | 1,686 |
| Pre-tax net operating income | $5,124,000 | 1,401 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,870,000 | 1,137 |
| Income before extraordinary items | $3,254,000 | 1,615 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,254,000 | 1,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,833,000 | 308 |
| Cash dividends | $1,670,000 | 1,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,254,000 | 1,585 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,569,000 | 1,674 |
| Total interest expense | $2,806,000 | 1,793 |
| Net interest income | $6,763,000 | 1,584 |
| Provision for loan and lease losses | $1,195,000 | 420 |
| Total noninterest income | $1,136,000 | 1,991 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $924,000 | 917 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $212,000 | 3,664 |
| Total noninterest expense | $3,330,000 | 2,451 |
| Salaries and employee benefits | $1,480,000 | 2,963 |
| Premises and equipment expense | $369,000 | 3,055 |
| Additional noninterest expense | $1,481,000 | 1,667 |
| Pre-tax net operating income | $3,374,000 | 1,390 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,226,000 | 1,141 |
| Income before extraordinary items | $2,148,000 | 1,601 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,148,000 | 1,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,091,000 | 340 |
| Cash dividends | $1,122,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,148,000 | 1,576 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,561,000 | 1,715 |
| Total interest expense | $1,285,000 | 1,846 |
| Net interest income | $3,276,000 | 1,626 |
| Provision for loan and lease losses | $625,000 | 390 |
| Total noninterest income | $549,000 | 2,002 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $441,000 | 930 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $108,000 | 3,584 |
| Total noninterest expense | $1,599,000 | 2,557 |
| Salaries and employee benefits | $712,000 | 3,081 |
| Premises and equipment expense | $176,000 | 3,206 |
| Additional noninterest expense | $711,000 | 1,734 |
| Pre-tax net operating income | $1,601,000 | 1,428 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $575,000 | 1,188 |
| Income before extraordinary items | $1,026,000 | 1,625 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,026,000 | 1,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $826,000 | 255 |
| Cash dividends | $308,000 | 1,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,026,000 | 1,603 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,446,000 | 1,739 |
| Total interest expense | $3,659,000 | 2,214 |
| Net interest income | $12,787,000 | 1,595 |
| Provision for loan and lease losses | $2,241,000 | 486 |
| Total noninterest income | $2,512,000 | 1,862 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,130,000 | 821 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $382,000 | 3,798 |
| Total noninterest expense | $7,279,000 | 2,190 |
| Salaries and employee benefits | $3,588,000 | 2,432 |
| Premises and equipment expense | $753,000 | 2,938 |
| Additional noninterest expense | $2,938,000 | 1,658 |
| Pre-tax net operating income | $5,779,000 | 1,482 |
| Securities gains (losses) | $6,000 | 3,079 |
| Applicable income taxes | $2,052,000 | 1,242 |
| Income before extraordinary items | $3,733,000 | 1,718 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,733,000 | 1,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $965,000 | 805 |
| Cash dividends | $691,000 | 2,996 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,729,100 | 1,674 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,025,000 | 1,763 |
| Total interest expense | $2,579,000 | 2,288 |
| Net interest income | $9,446,000 | 1,598 |
| Provision for loan and lease losses | $1,814,000 | 444 |
| Total noninterest income | $1,888,000 | 1,866 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,597,000 | 820 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $291,000 | 3,779 |
| Total noninterest expense | $5,517,000 | 2,155 |
| Salaries and employee benefits | $2,835,000 | 2,284 |
| Premises and equipment expense | $540,000 | 3,054 |
| Additional noninterest expense | $2,142,000 | 1,685 |
| Pre-tax net operating income | $4,003,000 | 1,607 |
| Securities gains (losses) | $6,000 | 2,970 |
| Applicable income taxes | $1,415,000 | 1,349 |
| Income before extraordinary items | $2,594,000 | 1,842 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,594,000 | 1,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $830,000 | 649 |
| Cash dividends | $691,000 | 2,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,590,100 | 1,802 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,804,000 | 1,799 |
| Total interest expense | $1,632,000 | 2,373 |
| Net interest income | $6,172,000 | 1,617 |
| Provision for loan and lease losses | $1,032,000 | 509 |
| Total noninterest income | $1,259,000 | 1,844 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,046,000 | 830 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $213,000 | 3,623 |
| Total noninterest expense | $3,561,000 | 2,216 |
| Salaries and employee benefits | $1,818,000 | 2,371 |
| Premises and equipment expense | $348,000 | 3,141 |
| Additional noninterest expense | $1,395,000 | 1,714 |
| Pre-tax net operating income | $2,838,000 | 1,499 |
| Securities gains (losses) | $5,000 | 2,738 |
| Applicable income taxes | $1,007,000 | 1,274 |
| Income before extraordinary items | $1,836,000 | 1,734 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,836,000 | 1,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 901 |
| Cash dividends | $150,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,832,750 | 1,683 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,840,000 | 1,833 |
| Total interest expense | $800,000 | 2,449 |
| Net interest income | $3,040,000 | 1,642 |
| Provision for loan and lease losses | $493,000 | 529 |
| Total noninterest income | $616,000 | 1,846 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $496,000 | 854 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $120,000 | 3,347 |
| Total noninterest expense | $1,778,000 | 2,240 |
| Salaries and employee benefits | $924,000 | 2,347 |
| Premises and equipment expense | $165,000 | 3,314 |
| Additional noninterest expense | $689,000 | 1,724 |
| Pre-tax net operating income | $1,385,000 | 1,502 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $491,000 | 1,309 |
| Income before extraordinary items | $894,000 | 1,754 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $894,000 | 1,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,439 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $894,000 | 1,670 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,538,000 | 1,952 |
| Total interest expense | $3,367,000 | 2,587 |
| Net interest income | $11,171,000 | 1,735 |
| Provision for loan and lease losses | $4,525,000 | 352 |
| Total noninterest income | $2,314,000 | 2,079 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,887,000 | 914 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $427,000 | 3,845 |
| Total noninterest expense | $8,629,000 | 1,834 |
| Salaries and employee benefits | $3,692,000 | 2,298 |
| Premises and equipment expense | $869,000 | 2,566 |
| Additional noninterest expense | $4,068,000 | 1,220 |
| Pre-tax net operating income | $331,000 | 7,312 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-62,000 | 8,887 |
| Income before extraordinary items | $393,000 | 6,844 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $393,000 | 6,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,144,000 | 322 |
| Cash dividends | $1,450,000 | 1,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $393,000 | 6,686 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,872,000 | 1,986 |
| Total interest expense | $2,590,000 | 2,611 |
| Net interest income | $8,282,000 | 1,764 |
| Provision for loan and lease losses | $3,927,000 | 331 |
| Total noninterest income | $1,709,000 | 2,146 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,377,000 | 945 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $332,000 | 3,874 |
| Total noninterest expense | $5,259,000 | 2,249 |
| Salaries and employee benefits | $2,723,000 | 2,332 |
| Premises and equipment expense | $599,000 | 2,778 |
| Additional noninterest expense | $1,937,000 | 1,854 |
| Pre-tax net operating income | $805,000 | 5,107 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $158,000 | 5,025 |
| Income before extraordinary items | $647,000 | 5,189 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $647,000 | 5,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,642,000 | 287 |
| Cash dividends | $1,450,000 | 1,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $647,000 | 5,010 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,181,000 | 2,026 |
| Total interest expense | $1,782,000 | 2,614 |
| Net interest income | $5,399,000 | 1,803 |
| Provision for loan and lease losses | $2,715,000 | 315 |
| Total noninterest income | $1,165,000 | 2,102 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $935,000 | 915 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $230,000 | 3,777 |
| Total noninterest expense | $3,434,000 | 2,287 |
| Salaries and employee benefits | $1,759,000 | 2,396 |
| Premises and equipment expense | $379,000 | 2,900 |
| Additional noninterest expense | $1,296,000 | 1,859 |
| Pre-tax net operating income | $415,000 | 5,774 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $58,000 | 5,772 |
| Income before extraordinary items | $357,000 | 5,678 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $357,000 | 5,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,473,000 | 286 |
| Cash dividends | $1,450,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $357,000 | 5,471 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,620,000 | 2,027 |
| Total interest expense | $915,000 | 2,618 |
| Net interest income | $2,705,000 | 1,801 |
| Provision for loan and lease losses | $2,145,000 | 234 |
| Total noninterest income | $576,000 | 2,060 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $490,000 | 845 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $86,000 | 4,205 |
| Total noninterest expense | $1,693,000 | 2,300 |
| Salaries and employee benefits | $874,000 | 2,410 |
| Premises and equipment expense | $182,000 | 2,985 |
| Additional noninterest expense | $637,000 | 1,851 |
| Pre-tax net operating income | $-557,000 | 9,212 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-269,000 | 9,263 |
| Income before extraordinary items | $-288,000 | 9,179 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-288,000 | 9,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 949 |
| Cash dividends | $1,250,000 | 562 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-288,000 | 9,125 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,496,000 | 1,995 |
| Total interest expense | $3,996,000 | 2,752 |
| Net interest income | $11,500,000 | 1,689 |
| Provision for loan and lease losses | $1,902,000 | 774 |
| Total noninterest income | $2,348,000 | 1,881 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,883,000 | 855 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $465,000 | 3,419 |
| Total noninterest expense | $6,608,000 | 2,258 |
| Salaries and employee benefits | $3,432,000 | 2,324 |
| Premises and equipment expense | $791,000 | 2,716 |
| Additional noninterest expense | $2,385,000 | 1,943 |
| Pre-tax net operating income | $5,338,000 | 1,535 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,864,000 | 1,370 |
| Income before extraordinary items | $3,474,000 | 1,726 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,474,000 | 1,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $995,000 | 976 |
| Cash dividends | $7,570,000 | 442 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,474,000 | 1,669 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,968,000 | 1,702 |
| Total interest expense | $7,603,000 | 2,115 |
| Net interest income | $12,365,000 | 1,435 |
| Provision for loan and lease losses | $462,000 | 2,351 |
| Total noninterest income | $5,901,000 | 868 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,048,000 | 731 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,853,000 | 791 |
| Total noninterest expense | $7,278,000 | 1,970 |
| Salaries and employee benefits | $3,842,000 | 1,958 |
| Premises and equipment expense | $949,000 | 2,251 |
| Additional noninterest expense | $2,487,000 | 1,838 |
| Pre-tax net operating income | $10,526,000 | 733 |
| Securities gains (losses) | $40,000 | 2,572 |
| Applicable income taxes | $3,922,000 | 661 |
| Income before extraordinary items | $6,644,000 | 836 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,644,000 | 837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $722,000 | 1,192 |
| Cash dividends | $3,339,000 | 838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,618,400 | 803 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,564,000 | 1,772 |
| Total interest expense | $7,985,000 | 2,149 |
| Net interest income | $11,579,000 | 1,519 |
| Provision for loan and lease losses | $464,000 | 2,009 |
| Total noninterest income | $2,632,000 | 1,514 |
| Gross Fiduciary activities income | $102,000 | 941 |
| Service charges on deposit accounts | $1,803,000 | 754 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $727,000 | 2,296 |
| Total noninterest expense | $6,660,000 | 2,070 |
| Salaries and employee benefits | $3,602,000 | 1,986 |
| Premises and equipment expense | $899,000 | 2,297 |
| Additional noninterest expense | $2,159,000 | 2,006 |
| Pre-tax net operating income | $7,087,000 | 1,070 |
| Securities gains (losses) | $20,000 | 951 |
| Applicable income taxes | $2,570,000 | 944 |
| Income before extraordinary items | $4,537,000 | 1,167 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,537,000 | 1,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,545 |
| Cash dividends | $3,282,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,524,200 | 1,166 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,273,000 | 1,879 |
| Total interest expense | $6,751,000 | 2,193 |
| Net interest income | $10,522,000 | 1,660 |
| Provision for loan and lease losses | $484,000 | 1,819 |
| Total noninterest income | $2,634,000 | 1,509 |
| Gross Fiduciary activities income | $138,000 | 936 |
| Service charges on deposit accounts | $1,754,000 | 762 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $742,000 | 2,278 |
| Total noninterest expense | $6,432,000 | 2,113 |
| Salaries and employee benefits | $3,658,000 | 1,909 |
| Premises and equipment expense | $909,000 | 2,240 |
| Additional noninterest expense | $1,865,000 | 2,343 |
| Pre-tax net operating income | $6,240,000 | 1,228 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $2,266,000 | 1,100 |
| Income before extraordinary items | $3,984,000 | 1,356 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,984,000 | 1,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,868 |
| Cash dividends | $2,955,000 | 997 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,977,600 | 1,337 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,420,000 | 1,859 |
| Total interest expense | $7,183,000 | 2,115 |
| Net interest income | $10,237,000 | 1,668 |
| Provision for loan and lease losses | $659,000 | 1,385 |
| Total noninterest income | $2,441,000 | 1,569 |
| Gross Fiduciary activities income | $101,000 | 1,009 |
| Service charges on deposit accounts | $1,631,000 | 765 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $709,000 | 2,363 |
| Total noninterest expense | $6,133,000 | 2,132 |
| Salaries and employee benefits | $3,454,000 | 1,922 |
| Premises and equipment expense | $877,000 | 2,224 |
| Additional noninterest expense | $1,802,000 | 2,317 |
| Pre-tax net operating income | $5,886,000 | 1,276 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,142,000 | 1,176 |
| Income before extraordinary items | $3,744,000 | 1,410 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,744,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,670 |
| Cash dividends | $2,426,000 | 1,149 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 816 |
| Net operating income | $3,744,000 | 1,358 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,047,000 | 2,023 |
| Total interest expense | $6,521,000 | 2,302 |
| Net interest income | $9,526,000 | 1,832 |
| Provision for loan and lease losses | $545,000 | 1,662 |
| Total noninterest income | $2,214,000 | 1,635 |
| Gross Fiduciary activities income | $92,000 | 1,070 |
| Service charges on deposit accounts | $1,537,000 | 832 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $585,000 | 2,529 |
| Total noninterest expense | $5,740,000 | 2,249 |
| Salaries and employee benefits | $3,103,000 | 2,128 |
| Premises and equipment expense | $782,000 | 2,475 |
| Additional noninterest expense | $1,855,000 | 2,246 |
| Pre-tax net operating income | $5,455,000 | 1,427 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,000,000 | 1,330 |
| Income before extraordinary items | $3,455,000 | 1,560 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,455,000 | 1,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,638 |
| Cash dividends | $3,173,000 | 894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,455,000 | 1,524 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,532,000 | 2,172 |
| Total interest expense | $6,258,000 | 2,464 |
| Net interest income | $9,274,000 | 1,929 |
| Provision for loan and lease losses | $464,000 | 1,839 |
| Total noninterest income | $1,843,000 | 1,972 |
| Gross Fiduciary activities income | $79,000 | 1,158 |
| Service charges on deposit accounts | $1,365,000 | 971 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $399,000 | 3,410 |
| Total noninterest expense | $5,398,000 | 2,526 |
| Salaries and employee benefits | $2,946,000 | 2,258 |
| Premises and equipment expense | $715,000 | 2,731 |
| Additional noninterest expense | $1,737,000 | 2,778 |
| Pre-tax net operating income | $5,255,000 | 1,368 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $1,921,000 | 1,286 |
| Income before extraordinary items | $3,337,000 | 1,481 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,337,000 | 1,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 2,114 |
| Cash dividends | $3,589,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,335,080 | 1,445 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,187,000 | 2,217 |
| Total interest expense | $5,535,000 | 2,769 |
| Net interest income | $9,652,000 | 1,847 |
| Provision for loan and lease losses | $435,000 | 1,751 |
| Total noninterest income | $1,499,000 | 2,283 |
| Gross Fiduciary activities income | $81,000 | 1,206 |
| Service charges on deposit accounts | $1,129,000 | 1,184 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $289,000 | 4,091 |
| Total noninterest expense | $5,501,000 | 2,470 |
| Salaries and employee benefits | $2,751,000 | 2,421 |
| Premises and equipment expense | $676,000 | 2,905 |
| Additional noninterest expense | $2,074,000 | 2,329 |
| Pre-tax net operating income | $5,215,000 | 1,450 |
| Securities gains (losses) | $-23,000 | 10,647 |
| Applicable income taxes | $1,889,000 | 1,339 |
| Income before extraordinary items | $3,303,000 | 1,547 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,303,000 | 1,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 1,797 |
| Cash dividends | $1,308,000 | 1,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,317,720 | 1,516 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,728,000 | 2,385 |
| Total interest expense | $4,557,000 | 2,685 |
| Net interest income | $8,171,000 | 2,205 |
| Provision for loan and lease losses | $534,000 | 1,466 |
| Total noninterest income | $1,787,000 | 1,993 |
| Gross Fiduciary activities income | $187,000 | 1,031 |
| Service charges on deposit accounts | $1,002,000 | 1,336 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $598,000 | 2,583 |
| Total noninterest expense | $5,392,000 | 2,582 |
| Salaries and employee benefits | $2,623,000 | 2,542 |
| Premises and equipment expense | $647,000 | 3,045 |
| Additional noninterest expense | $2,122,000 | 2,461 |
| Pre-tax net operating income | $4,032,000 | 1,764 |
| Securities gains (losses) | $37,000 | 1,338 |
| Applicable income taxes | $1,454,000 | 1,602 |
| Income before extraordinary items | $2,615,000 | 1,863 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,615,000 | 1,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 1,735 |
| Cash dividends | $994,000 | 1,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,591,320 | 1,879 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,665,000 | 2,906 |
| Total interest expense | $4,175,000 | 3,045 |
| Net interest income | $6,490,000 | 2,787 |
| Provision for loan and lease losses | $326,000 | 2,824 |
| Total noninterest income | $1,710,000 | 2,206 |
| Gross Fiduciary activities income | $286,000 | 956 |
| Service charges on deposit accounts | $1,062,000 | 1,277 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $362,000 | 4,019 |
| Total noninterest expense | $4,864,000 | 2,924 |
| Salaries and employee benefits | $2,284,000 | 2,897 |
| Premises and equipment expense | $663,000 | 3,025 |
| Additional noninterest expense | $1,917,000 | 2,827 |
| Pre-tax net operating income | $3,010,000 | 2,279 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $1,030,000 | 2,181 |
| Income before extraordinary items | $1,988,000 | 2,537 |
| Extraordinary gains, net | $-49,000 | 12,721 |
| Net income | $1,939,000 | 2,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 3,154 |
| Cash dividends | $1,431,000 | 1,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,982,720 | 2,390 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,735,000 | 3,253 |
| Total interest expense | $4,677,000 | 3,514 |
| Net interest income | $6,058,000 | 3,021 |
| Provision for loan and lease losses | $355,000 | 3,742 |
| Total noninterest income | $1,413,000 | 2,506 |
| Gross Fiduciary activities income | $210,000 | 1,069 |
| Service charges on deposit accounts | $920,000 | 1,460 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $283,000 | 4,594 |
| Total noninterest expense | $4,437,000 | 3,203 |
| Salaries and employee benefits | $2,062,000 | 3,133 |
| Premises and equipment expense | $590,000 | 3,414 |
| Additional noninterest expense | $1,785,000 | 3,079 |
| Pre-tax net operating income | $2,679,000 | 2,306 |
| Securities gains (losses) | $45,000 | 4,303 |
| Applicable income taxes | $846,000 | 2,458 |
| Income before extraordinary items | $1,878,000 | 2,438 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,878,000 | 2,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 2,911 |
| Cash dividends | $1,305,000 | 1,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,846,950 | 2,300 |
* 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.