Home > Sea Island Bank > Income and Expense
Sea Island Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $8,954,000 | 880 |
| Total interest expense | $2,367,000 | 998 |
| Net interest income | $6,587,000 | 839 |
| Provision for loan and lease losses | $4,577,000 | 406 |
| Total noninterest income | $-2,454,000 | 7,922 |
| Gross Fiduciary activities income | $2,000 | 1,137 |
| Service charges on deposit accounts | $619,000 | 620 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-3,075,000 | 7,929 |
| Total noninterest expense | $4,797,000 | 1,036 |
| Salaries and employee benefits | $1,993,000 | 1,249 |
| Premises and equipment expense | $541,000 | 1,264 |
| Additional noninterest expense | $2,263,000 | 792 |
| Pre-tax net operating income | $-5,241,000 | 7,772 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-575,000 | 7,725 |
| Income before extraordinary items | $-4,666,000 | 7,782 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-4,666,000 | 7,783 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-4,666,000 | 7,783 |
| Net charge-offs | $5,047,000 | 332 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 712 |
| Net operating income | $-4,666,000 | 7,773 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $38,450,000 | 876 |
| Total interest expense | $13,332,000 | 886 |
| Net interest income | $25,118,000 | 865 |
| Provision for loan and lease losses | $31,839,000 | 353 |
| Total noninterest income | $-1,587,000 | 7,959 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,698,000 | 619 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-4,285,000 | 7,984 |
| Total noninterest expense | $17,824,000 | 1,164 |
| Salaries and employee benefits | $7,507,000 | 1,327 |
| Premises and equipment expense | $2,186,000 | 1,247 |
| Additional noninterest expense | $8,131,000 | 965 |
| Pre-tax net operating income | $-26,132,000 | 7,775 |
| Securities gains (losses) | $108,000 | 2,079 |
| Applicable income taxes | $-4,664,000 | 7,747 |
| Income before extraordinary items | $-21,360,000 | 7,755 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-21,360,000 | 7,754 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-21,360,000 | 7,754 |
| Net charge-offs | $30,237,000 | 290 |
| Cash dividends | $395,000 | 2,885 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 992 |
| Net operating income | $-21,448,560 | 7,757 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $29,150,000 | 880 |
| Total interest expense | $10,530,000 | 883 |
| Net interest income | $18,620,000 | 880 |
| Provision for loan and lease losses | $19,301,000 | 396 |
| Total noninterest income | $-1,673,000 | 8,066 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,991,000 | 626 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-3,664,000 | 8,073 |
| Total noninterest expense | $13,189,000 | 1,165 |
| Salaries and employee benefits | $5,608,000 | 1,355 |
| Premises and equipment expense | $1,642,000 | 1,255 |
| Additional noninterest expense | $5,939,000 | 948 |
| Pre-tax net operating income | $-15,543,000 | 7,831 |
| Securities gains (losses) | $108,000 | 1,771 |
| Applicable income taxes | $-6,140,000 | 7,922 |
| Income before extraordinary items | $-9,295,000 | 7,758 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-9,295,000 | 7,758 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-9,295,000 | 7,758 |
| Net charge-offs | $14,171,000 | 396 |
| Cash dividends | $395,000 | 2,312 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 926 |
| Net operating income | $-9,364,120 | 7,769 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $19,258,000 | 911 |
| Total interest expense | $7,408,000 | 872 |
| Net interest income | $11,850,000 | 916 |
| Provision for loan and lease losses | $12,020,000 | 401 |
| Total noninterest income | $-1,144,000 | 8,142 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,283,000 | 650 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-2,427,000 | 8,162 |
| Total noninterest expense | $8,693,000 | 1,192 |
| Salaries and employee benefits | $3,684,000 | 1,414 |
| Premises and equipment expense | $1,097,000 | 1,281 |
| Additional noninterest expense | $3,912,000 | 985 |
| Pre-tax net operating income | $-10,007,000 | 7,919 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-3,987,000 | 8,008 |
| Income before extraordinary items | $-6,020,000 | 7,847 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,020,000 | 7,846 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-6,020,000 | 7,846 |
| Net charge-offs | $8,351,000 | 424 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 764 |
| Net operating income | $-6,020,000 | 7,857 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,541,000 | 934 |
| Total interest expense | $3,952,000 | 848 |
| Net interest income | $5,589,000 | 960 |
| Provision for loan and lease losses | $3,126,000 | 550 |
| Total noninterest income | $56,000 | 6,213 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $608,000 | 665 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-552,000 | 8,201 |
| Total noninterest expense | $5,501,000 | 932 |
| Salaries and employee benefits | $1,742,000 | 1,507 |
| Premises and equipment expense | $540,000 | 1,327 |
| Additional noninterest expense | $3,219,000 | 550 |
| Pre-tax net operating income | $-2,982,000 | 7,943 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-1,223,000 | 8,036 |
| Income before extraordinary items | $-1,759,000 | 7,874 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,759,000 | 7,875 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,759,000 | 7,875 |
| Net charge-offs | $4,523,000 | 335 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 672 |
| Net operating income | $-1,759,000 | 7,868 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $44,015,000 | 855 |
| Total interest expense | $20,343,000 | 772 |
| Net interest income | $23,672,000 | 902 |
| Provision for loan and lease losses | $8,207,000 | 691 |
| Total noninterest income | $3,763,000 | 1,326 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,220,000 | 792 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,543,000 | 1,559 |
| Total noninterest expense | $15,664,000 | 1,250 |
| Salaries and employee benefits | $7,172,000 | 1,434 |
| Premises and equipment expense | $2,268,000 | 1,206 |
| Additional noninterest expense | $6,224,000 | 1,033 |
| Pre-tax net operating income | $3,564,000 | 1,536 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,193,000 | 1,043 |
| Income before extraordinary items | $2,371,000 | 1,689 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,371,000 | 1,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,631,000 | 622 |
| Cash dividends | $2,635,000 | 1,037 |
| Sale, conversion, retirement of capital stock, net | $126,000 | 906 |
| Net operating income | $2,371,000 | 1,804 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $33,478,000 | 866 |
| Total interest expense | $15,157,000 | 818 |
| Net interest income | $18,321,000 | 885 |
| Provision for loan and lease losses | $5,564,000 | 609 |
| Total noninterest income | $2,865,000 | 1,345 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,622,000 | 823 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,243,000 | 1,559 |
| Total noninterest expense | $11,795,000 | 1,234 |
| Salaries and employee benefits | $5,253,000 | 1,502 |
| Premises and equipment expense | $1,685,000 | 1,216 |
| Additional noninterest expense | $4,857,000 | 941 |
| Pre-tax net operating income | $3,827,000 | 1,292 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,338,000 | 922 |
| Income before extraordinary items | $2,489,000 | 1,464 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,489,000 | 1,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,765,000 | 907 |
| Cash dividends | $1,033,000 | 1,753 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 777 |
| Net operating income | $2,489,000 | 1,543 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $22,497,000 | 876 |
| Total interest expense | $10,148,000 | 837 |
| Net interest income | $12,349,000 | 872 |
| Provision for loan and lease losses | $4,710,000 | 452 |
| Total noninterest income | $2,002,000 | 1,327 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,063,000 | 812 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $939,000 | 1,462 |
| Total noninterest expense | $7,867,000 | 1,232 |
| Salaries and employee benefits | $3,501,000 | 1,509 |
| Premises and equipment expense | $1,111,000 | 1,229 |
| Additional noninterest expense | $3,255,000 | 915 |
| Pre-tax net operating income | $1,774,000 | 1,886 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $584,000 | 1,423 |
| Income before extraordinary items | $1,190,000 | 2,218 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,190,000 | 2,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,402 |
| Cash dividends | $1,034,000 | 1,356 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 642 |
| Net operating income | $1,190,000 | 2,169 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,752,000 | 852 |
| Total interest expense | $5,420,000 | 836 |
| Net interest income | $6,332,000 | 855 |
| Provision for loan and lease losses | $-330,000 | 8,482 |
| Total noninterest income | $1,046,000 | 1,290 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $546,000 | 788 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $500,000 | 1,414 |
| Total noninterest expense | $3,799,000 | 1,277 |
| Salaries and employee benefits | $1,879,000 | 1,399 |
| Premises and equipment expense | $543,000 | 1,269 |
| Additional noninterest expense | $1,377,000 | 1,051 |
| Pre-tax net operating income | $3,909,000 | 500 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,460,000 | 436 |
| Income before extraordinary items | $2,449,000 | 618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,449,000 | 619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-153,000 | 8,449 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 520 |
| Net operating income | $2,449,000 | 593 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $47,045,000 | 891 |
| Total interest expense | $23,198,000 | 849 |
| Net interest income | $23,847,000 | 925 |
| Provision for loan and lease losses | $1,304,000 | 1,177 |
| Total noninterest income | $3,673,000 | 1,394 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,101,000 | 848 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,572,000 | 1,621 |
| Total noninterest expense | $13,986,000 | 1,322 |
| Salaries and employee benefits | $6,931,000 | 1,454 |
| Premises and equipment expense | $1,974,000 | 1,339 |
| Additional noninterest expense | $5,081,000 | 1,110 |
| Pre-tax net operating income | $12,230,000 | 704 |
| Securities gains (losses) | $-6,000 | 7,432 |
| Applicable income taxes | $4,510,000 | 589 |
| Income before extraordinary items | $7,714,000 | 838 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,714,000 | 836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $520,000 | 1,646 |
| Cash dividends | $1,142,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $221,000 | 727 |
| Net operating income | $7,717,840 | 829 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $34,690,000 | 907 |
| Total interest expense | $17,062,000 | 869 |
| Net interest income | $17,628,000 | 947 |
| Provision for loan and lease losses | $400,000 | 1,861 |
| Total noninterest income | $2,660,000 | 1,446 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,551,000 | 846 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,109,000 | 1,689 |
| Total noninterest expense | $10,454,000 | 1,320 |
| Salaries and employee benefits | $5,248,000 | 1,451 |
| Premises and equipment expense | $1,476,000 | 1,328 |
| Additional noninterest expense | $3,730,000 | 1,103 |
| Pre-tax net operating income | $9,434,000 | 737 |
| Securities gains (losses) | $-6,000 | 7,659 |
| Applicable income taxes | $3,515,000 | 610 |
| Income before extraordinary items | $5,913,000 | 882 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,913,000 | 880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,015 |
| Cash dividends | $1,141,000 | 1,825 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 612 |
| Net operating income | $5,916,840 | 873 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $22,494,000 | 950 |
| Total interest expense | $11,011,000 | 899 |
| Net interest income | $11,483,000 | 978 |
| Provision for loan and lease losses | $235,000 | 1,938 |
| Total noninterest income | $1,728,000 | 1,496 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,003,000 | 891 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $725,000 | 1,730 |
| Total noninterest expense | $6,739,000 | 1,372 |
| Salaries and employee benefits | $3,424,000 | 1,497 |
| Premises and equipment expense | $951,000 | 1,399 |
| Additional noninterest expense | $2,364,000 | 1,183 |
| Pre-tax net operating income | $6,237,000 | 772 |
| Securities gains (losses) | $-6,000 | 7,884 |
| Applicable income taxes | $2,322,000 | 647 |
| Income before extraordinary items | $3,909,000 | 926 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,909,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,266 |
| Cash dividends | $1,141,000 | 1,386 |
| Sale, conversion, retirement of capital stock, net | $148,000 | 516 |
| Net operating income | $3,912,840 | 914 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,983,000 | 964 |
| Total interest expense | $5,336,000 | 916 |
| Net interest income | $5,647,000 | 990 |
| Provision for loan and lease losses | $250,000 | 954 |
| Total noninterest income | $795,000 | 1,588 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $481,000 | 898 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $314,000 | 1,891 |
| Total noninterest expense | $3,325,000 | 1,394 |
| Salaries and employee benefits | $1,702,000 | 1,520 |
| Premises and equipment expense | $462,000 | 1,447 |
| Additional noninterest expense | $1,161,000 | 1,175 |
| Pre-tax net operating income | $2,867,000 | 832 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,063,000 | 697 |
| Income before extraordinary items | $1,804,000 | 970 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,804,000 | 969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,237 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $94,000 | 364 |
| Net operating income | $1,804,000 | 959 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $38,838,000 | 1,013 |
| Total interest expense | $17,517,000 | 957 |
| Net interest income | $21,321,000 | 1,040 |
| Provision for loan and lease losses | $1,900,000 | 587 |
| Total noninterest income | $3,650,000 | 1,381 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,979,000 | 896 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,671,000 | 1,534 |
| Total noninterest expense | $12,063,000 | 1,479 |
| Salaries and employee benefits | $6,131,000 | 1,604 |
| Premises and equipment expense | $1,587,000 | 1,616 |
| Additional noninterest expense | $4,345,000 | 1,230 |
| Pre-tax net operating income | $11,008,000 | 902 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,841,000 | 782 |
| Income before extraordinary items | $7,167,000 | 1,044 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,167,000 | 1,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $575,000 | 1,051 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $259,000 | 708 |
| Net operating income | $7,167,000 | 1,033 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $27,923,000 | 1,058 |
| Total interest expense | $12,379,000 | 986 |
| Net interest income | $15,544,000 | 1,089 |
| Provision for loan and lease losses | $1,850,000 | 428 |
| Total noninterest income | $2,832,000 | 1,363 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,512,000 | 878 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,320,000 | 1,488 |
| Total noninterest expense | $8,753,000 | 1,534 |
| Salaries and employee benefits | $4,533,000 | 1,637 |
| Premises and equipment expense | $1,040,000 | 1,824 |
| Additional noninterest expense | $3,180,000 | 1,260 |
| Pre-tax net operating income | $7,773,000 | 996 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,644,000 | 869 |
| Income before extraordinary items | $5,129,000 | 1,127 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,129,000 | 1,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 898 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $211,000 | 585 |
| Net operating income | $5,129,000 | 1,116 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,648,000 | 1,094 |
| Total interest expense | $7,602,000 | 1,007 |
| Net interest income | $10,046,000 | 1,121 |
| Provision for loan and lease losses | $1,350,000 | 378 |
| Total noninterest income | $2,097,000 | 1,270 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $956,000 | 917 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,141,000 | 1,239 |
| Total noninterest expense | $5,635,000 | 1,596 |
| Salaries and employee benefits | $2,942,000 | 1,676 |
| Premises and equipment expense | $662,000 | 1,901 |
| Additional noninterest expense | $2,031,000 | 1,317 |
| Pre-tax net operating income | $5,158,000 | 992 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,678,000 | 903 |
| Income before extraordinary items | $3,480,000 | 1,105 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,480,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 598 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $161,000 | 462 |
| Net operating income | $3,480,000 | 1,087 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,372,000 | 1,129 |
| Total interest expense | $3,528,000 | 1,025 |
| Net interest income | $4,844,000 | 1,161 |
| Provision for loan and lease losses | $700,000 | 353 |
| Total noninterest income | $668,000 | 1,767 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $449,000 | 948 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $219,000 | 2,360 |
| Total noninterest expense | $2,588,000 | 1,727 |
| Salaries and employee benefits | $1,370,000 | 1,803 |
| Premises and equipment expense | $302,000 | 2,088 |
| Additional noninterest expense | $916,000 | 1,438 |
| Pre-tax net operating income | $2,224,000 | 1,112 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $824,000 | 915 |
| Income before extraordinary items | $1,400,000 | 1,306 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,400,000 | 1,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 688 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,400,000 | 1,289 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,816,000 | 1,291 |
| Total interest expense | $9,499,000 | 1,184 |
| Net interest income | $16,317,000 | 1,348 |
| Provision for loan and lease losses | $2,365,000 | 456 |
| Total noninterest income | $2,672,000 | 1,778 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,970,000 | 884 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $702,000 | 2,768 |
| Total noninterest expense | $8,737,000 | 1,925 |
| Salaries and employee benefits | $4,071,000 | 2,254 |
| Premises and equipment expense | $1,081,000 | 2,212 |
| Additional noninterest expense | $3,585,000 | 1,429 |
| Pre-tax net operating income | $7,887,000 | 1,212 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,900,000 | 979 |
| Income before extraordinary items | $4,987,000 | 1,422 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,987,000 | 1,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $592,000 | 1,006 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,987,000 | 1,402 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,206,000 | 1,336 |
| Total interest expense | $6,506,000 | 1,225 |
| Net interest income | $11,700,000 | 1,378 |
| Provision for loan and lease losses | $1,640,000 | 470 |
| Total noninterest income | $1,982,000 | 1,787 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,456,000 | 894 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $526,000 | 2,779 |
| Total noninterest expense | $6,722,000 | 1,864 |
| Salaries and employee benefits | $3,221,000 | 2,124 |
| Premises and equipment expense | $758,000 | 2,328 |
| Additional noninterest expense | $2,743,000 | 1,390 |
| Pre-tax net operating income | $5,320,000 | 1,353 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,944,000 | 1,097 |
| Income before extraordinary items | $3,376,000 | 1,564 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,376,000 | 1,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,976 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,376,000 | 1,535 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,313,000 | 1,394 |
| Total interest expense | $3,833,000 | 1,314 |
| Net interest income | $7,480,000 | 1,411 |
| Provision for loan and lease losses | $1,115,000 | 453 |
| Total noninterest income | $1,292,000 | 1,816 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $931,000 | 909 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $361,000 | 2,718 |
| Total noninterest expense | $4,486,000 | 1,847 |
| Salaries and employee benefits | $2,189,000 | 2,069 |
| Premises and equipment expense | $495,000 | 2,348 |
| Additional noninterest expense | $1,802,000 | 1,380 |
| Pre-tax net operating income | $3,171,000 | 1,473 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,151,000 | 1,211 |
| Income before extraordinary items | $2,020,000 | 1,691 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,020,000 | 1,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,128 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,020,000 | 1,665 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,131,000 | 1,515 |
| Total interest expense | $1,682,000 | 1,421 |
| Net interest income | $3,449,000 | 1,541 |
| Provision for loan and lease losses | $540,000 | 440 |
| Total noninterest income | $642,000 | 1,779 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $409,000 | 1,008 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $233,000 | 2,259 |
| Total noninterest expense | $2,164,000 | 1,916 |
| Salaries and employee benefits | $1,084,000 | 2,107 |
| Premises and equipment expense | $216,000 | 2,679 |
| Additional noninterest expense | $864,000 | 1,450 |
| Pre-tax net operating income | $1,387,000 | 1,641 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $496,000 | 1,369 |
| Income before extraordinary items | $891,000 | 1,906 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $891,000 | 1,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,093 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $891,000 | 1,868 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,146,000 | 1,779 |
| Total interest expense | $4,032,000 | 2,028 |
| Net interest income | $12,114,000 | 1,676 |
| Provision for loan and lease losses | $1,285,000 | 831 |
| Total noninterest income | $2,408,000 | 1,928 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,737,000 | 1,024 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $671,000 | 2,775 |
| Total noninterest expense | $8,066,000 | 1,991 |
| Salaries and employee benefits | $4,436,000 | 1,964 |
| Premises and equipment expense | $734,000 | 3,005 |
| Additional noninterest expense | $2,896,000 | 1,687 |
| Pre-tax net operating income | $5,171,000 | 1,647 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,828,000 | 1,383 |
| Income before extraordinary items | $3,343,000 | 1,891 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,343,000 | 1,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,656 |
| Cash dividends | $2,243,000 | 1,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,343,000 | 1,844 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,603,000 | 1,835 |
| Total interest expense | $2,635,000 | 2,244 |
| Net interest income | $8,968,000 | 1,681 |
| Provision for loan and lease losses | $835,000 | 922 |
| Total noninterest income | $1,768,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,289,000 | 1,042 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $479,000 | 2,875 |
| Total noninterest expense | $6,087,000 | 1,970 |
| Salaries and employee benefits | $3,467,000 | 1,886 |
| Premises and equipment expense | $519,000 | 3,150 |
| Additional noninterest expense | $2,101,000 | 1,713 |
| Pre-tax net operating income | $3,814,000 | 1,684 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,343,000 | 1,420 |
| Income before extraordinary items | $2,471,000 | 1,920 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,471,000 | 1,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $2,243,000 | 882 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,471,000 | 1,870 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,340,000 | 1,910 |
| Total interest expense | $1,615,000 | 2,399 |
| Net interest income | $5,725,000 | 1,741 |
| Provision for loan and lease losses | $420,000 | 1,177 |
| Total noninterest income | $1,144,000 | 1,992 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $826,000 | 1,073 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $318,000 | 2,892 |
| Total noninterest expense | $3,831,000 | 2,083 |
| Salaries and employee benefits | $2,176,000 | 2,002 |
| Premises and equipment expense | $318,000 | 3,391 |
| Additional noninterest expense | $1,337,000 | 1,790 |
| Pre-tax net operating income | $2,618,000 | 1,604 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $922,000 | 1,369 |
| Income before extraordinary items | $1,696,000 | 1,854 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,696,000 | 1,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $1,276,000 | 1,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,696,000 | 1,802 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,559,000 | 1,972 |
| Total interest expense | $786,000 | 2,491 |
| Net interest income | $2,773,000 | 1,795 |
| Provision for loan and lease losses | $210,000 | 1,111 |
| Total noninterest income | $556,000 | 2,001 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $392,000 | 1,091 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $164,000 | 2,783 |
| Total noninterest expense | $1,826,000 | 2,186 |
| Salaries and employee benefits | $1,046,000 | 2,106 |
| Premises and equipment expense | $158,000 | 3,442 |
| Additional noninterest expense | $622,000 | 1,897 |
| Pre-tax net operating income | $1,293,000 | 1,610 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $454,000 | 1,401 |
| Income before extraordinary items | $839,000 | 1,866 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $839,000 | 1,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $826,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $839,000 | 1,781 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,309,000 | 1,976 |
| Total interest expense | $3,693,000 | 2,395 |
| Net interest income | $10,616,000 | 1,844 |
| Provision for loan and lease losses | $270,000 | 3,394 |
| Total noninterest income | $2,258,000 | 2,122 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,547,000 | 1,115 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $711,000 | 2,942 |
| Total noninterest expense | $6,413,000 | 2,450 |
| Salaries and employee benefits | $3,366,000 | 2,498 |
| Premises and equipment expense | $602,000 | 3,506 |
| Additional noninterest expense | $2,445,000 | 1,964 |
| Pre-tax net operating income | $6,191,000 | 1,333 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,226,000 | 1,180 |
| Income before extraordinary items | $3,965,000 | 1,575 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,965,000 | 1,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,855 |
| Cash dividends | $3,306,000 | 909 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,965,000 | 1,503 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,773,000 | 2,006 |
| Total interest expense | $2,899,000 | 2,373 |
| Net interest income | $7,874,000 | 1,875 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $1,629,000 | 2,216 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,116,000 | 1,169 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $513,000 | 3,094 |
| Total noninterest expense | $4,723,000 | 2,492 |
| Salaries and employee benefits | $2,456,000 | 2,569 |
| Premises and equipment expense | $458,000 | 3,471 |
| Additional noninterest expense | $1,809,000 | 1,983 |
| Pre-tax net operating income | $4,540,000 | 1,420 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,636,000 | 1,254 |
| Income before extraordinary items | $2,904,000 | 1,658 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,904,000 | 1,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,387 |
| Cash dividends | $2,537,000 | 839 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,904,000 | 1,574 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,198,000 | 2,021 |
| Total interest expense | $2,047,000 | 2,323 |
| Net interest income | $5,151,000 | 1,902 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $1,070,000 | 2,247 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $717,000 | 1,198 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $353,000 | 3,000 |
| Total noninterest expense | $3,125,000 | 2,498 |
| Salaries and employee benefits | $1,613,000 | 2,608 |
| Premises and equipment expense | $306,000 | 3,429 |
| Additional noninterest expense | $1,206,000 | 1,985 |
| Pre-tax net operating income | $2,856,000 | 1,481 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,024,000 | 1,344 |
| Income before extraordinary items | $1,832,000 | 1,770 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,832,000 | 1,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,092 |
| Cash dividends | $1,768,000 | 836 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,832,000 | 1,653 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,577,000 | 2,050 |
| Total interest expense | $1,028,000 | 2,377 |
| Net interest income | $2,549,000 | 1,912 |
| Provision for loan and lease losses | $195,000 | 1,399 |
| Total noninterest income | $503,000 | 2,275 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $341,000 | 1,222 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $162,000 | 3,072 |
| Total noninterest expense | $1,551,000 | 2,495 |
| Salaries and employee benefits | $815,000 | 2,573 |
| Premises and equipment expense | $157,000 | 3,364 |
| Additional noninterest expense | $579,000 | 2,034 |
| Pre-tax net operating income | $1,306,000 | 1,613 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $463,000 | 1,464 |
| Income before extraordinary items | $843,000 | 1,878 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $843,000 | 1,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $1,016,000 | 670 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $843,000 | 1,772 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,993,000 | 2,197 |
| Total interest expense | $4,009,000 | 2,742 |
| Net interest income | $9,984,000 | 1,942 |
| Provision for loan and lease losses | $683,000 | 1,873 |
| Total noninterest income | $1,887,000 | 2,235 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,370,000 | 1,174 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $517,000 | 3,226 |
| Total noninterest expense | $5,809,000 | 2,546 |
| Salaries and employee benefits | $3,085,000 | 2,557 |
| Premises and equipment expense | $488,000 | 4,012 |
| Additional noninterest expense | $2,236,000 | 2,067 |
| Pre-tax net operating income | $5,379,000 | 1,523 |
| Securities gains (losses) | $109,000 | 1,657 |
| Applicable income taxes | $1,952,000 | 1,312 |
| Income before extraordinary items | $3,536,000 | 1,697 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,536,000 | 1,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 3,476 |
| Cash dividends | $3,348,000 | 849 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,466,240 | 1,674 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,181,000 | 2,247 |
| Total interest expense | $6,005,000 | 2,666 |
| Net interest income | $9,176,000 | 1,942 |
| Provision for loan and lease losses | $371,000 | 2,775 |
| Total noninterest income | $1,731,000 | 2,264 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,180,000 | 1,265 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $551,000 | 2,967 |
| Total noninterest expense | $5,224,000 | 2,718 |
| Salaries and employee benefits | $2,938,000 | 2,559 |
| Premises and equipment expense | $422,000 | 4,425 |
| Additional noninterest expense | $1,864,000 | 2,398 |
| Pre-tax net operating income | $5,312,000 | 1,371 |
| Securities gains (losses) | $70,000 | 2,049 |
| Applicable income taxes | $1,896,000 | 1,231 |
| Income before extraordinary items | $3,486,000 | 1,532 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,486,000 | 1,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,537 |
| Cash dividends | $3,056,000 | 898 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,440,500 | 1,486 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,756,000 | 2,226 |
| Total interest expense | $7,123,000 | 2,378 |
| Net interest income | $8,633,000 | 2,061 |
| Provision for loan and lease losses | $105,000 | 5,193 |
| Total noninterest income | $1,920,000 | 1,925 |
| Gross Fiduciary activities income | $140,000 | 868 |
| Service charges on deposit accounts | $1,203,000 | 1,130 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $577,000 | 2,688 |
| Total noninterest expense | $5,204,000 | 2,618 |
| Salaries and employee benefits | $2,922,000 | 2,450 |
| Premises and equipment expense | $475,000 | 3,949 |
| Additional noninterest expense | $1,807,000 | 2,371 |
| Pre-tax net operating income | $5,244,000 | 1,415 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,839,000 | 1,264 |
| Income before extraordinary items | $3,405,000 | 1,552 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,405,000 | 1,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,010 |
| Cash dividends | $2,733,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,405,000 | 1,545 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,318,000 | 2,270 |
| Total interest expense | $6,075,000 | 2,427 |
| Net interest income | $8,243,000 | 2,129 |
| Provision for loan and lease losses | $420,000 | 2,015 |
| Total noninterest income | $2,029,000 | 1,836 |
| Gross Fiduciary activities income | $202,000 | 866 |
| Service charges on deposit accounts | $1,180,000 | 1,129 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $647,000 | 2,502 |
| Total noninterest expense | $5,103,000 | 2,644 |
| Salaries and employee benefits | $2,908,000 | 2,409 |
| Premises and equipment expense | $513,000 | 3,683 |
| Additional noninterest expense | $1,682,000 | 2,562 |
| Pre-tax net operating income | $4,749,000 | 1,581 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,648,000 | 1,464 |
| Income before extraordinary items | $3,101,000 | 1,720 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,101,000 | 1,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,499 |
| Cash dividends | $2,198,000 | 1,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,101,000 | 1,690 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,640,000 | 2,228 |
| Total interest expense | $6,160,000 | 2,462 |
| Net interest income | $8,480,000 | 2,021 |
| Provision for loan and lease losses | $534,000 | 1,639 |
| Total noninterest income | $1,574,000 | 2,185 |
| Gross Fiduciary activities income | $131,000 | 959 |
| Service charges on deposit accounts | $1,033,000 | 1,215 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $410,000 | 3,379 |
| Total noninterest expense | $5,151,000 | 2,523 |
| Salaries and employee benefits | $3,005,000 | 2,243 |
| Premises and equipment expense | $543,000 | 3,464 |
| Additional noninterest expense | $1,603,000 | 2,624 |
| Pre-tax net operating income | $4,369,000 | 1,687 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,516,000 | 1,609 |
| Income before extraordinary items | $2,853,000 | 1,842 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,853,000 | 1,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $583,000 | 1,112 |
| Cash dividends | $3,637,000 | 838 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,853,000 | 1,767 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,950,000 | 2,189 |
| Total interest expense | $6,231,000 | 2,416 |
| Net interest income | $8,719,000 | 1,996 |
| Provision for loan and lease losses | $488,000 | 1,810 |
| Total noninterest income | $1,548,000 | 2,141 |
| Gross Fiduciary activities income | $114,000 | 1,024 |
| Service charges on deposit accounts | $1,038,000 | 1,222 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $396,000 | 3,305 |
| Total noninterest expense | $5,417,000 | 2,379 |
| Salaries and employee benefits | $3,246,000 | 2,024 |
| Premises and equipment expense | $587,000 | 3,217 |
| Additional noninterest expense | $1,584,000 | 2,592 |
| Pre-tax net operating income | $4,362,000 | 1,749 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,515,000 | 1,695 |
| Income before extraordinary items | $2,847,000 | 1,854 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,847,000 | 1,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $611,000 | 1,146 |
| Cash dividends | $3,533,000 | 827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,847,000 | 1,808 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,190,000 | 2,221 |
| Total interest expense | $7,035,000 | 2,203 |
| Net interest income | $8,155,000 | 2,203 |
| Provision for loan and lease losses | $274,000 | 2,781 |
| Total noninterest income | $1,679,000 | 2,113 |
| Gross Fiduciary activities income | $104,000 | 1,093 |
| Service charges on deposit accounts | $1,200,000 | 1,099 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $375,000 | 3,522 |
| Total noninterest expense | $5,015,000 | 2,737 |
| Salaries and employee benefits | $3,105,000 | 2,148 |
| Premises and equipment expense | $682,000 | 2,871 |
| Additional noninterest expense | $1,228,000 | 3,709 |
| Pre-tax net operating income | $4,545,000 | 1,597 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,524,000 | 1,575 |
| Income before extraordinary items | $3,021,000 | 1,647 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,021,000 | 1,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,143 |
| Cash dividends | $1,457,000 | 1,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,021,000 | 1,619 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,783,000 | 2,274 |
| Total interest expense | $6,393,000 | 2,416 |
| Net interest income | $8,390,000 | 2,140 |
| Provision for loan and lease losses | $478,000 | 1,637 |
| Total noninterest income | $1,539,000 | 2,247 |
| Gross Fiduciary activities income | $123,000 | 1,118 |
| Service charges on deposit accounts | $1,033,000 | 1,312 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $383,000 | 3,402 |
| Total noninterest expense | $5,199,000 | 2,609 |
| Salaries and employee benefits | $3,018,000 | 2,198 |
| Premises and equipment expense | $778,000 | 2,558 |
| Additional noninterest expense | $1,403,000 | 3,256 |
| Pre-tax net operating income | $4,252,000 | 1,729 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $1,387,000 | 1,767 |
| Income before extraordinary items | $2,873,000 | 1,762 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,873,000 | 1,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,637 |
| Cash dividends | $2,091,000 | 1,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,867,640 | 1,742 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,139,000 | 2,497 |
| Total interest expense | $4,748,000 | 2,582 |
| Net interest income | $7,391,000 | 2,446 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $1,688,000 | 2,089 |
| Gross Fiduciary activities income | $299,000 | 902 |
| Service charges on deposit accounts | $959,000 | 1,406 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $430,000 | 3,256 |
| Total noninterest expense | $5,412,000 | 2,570 |
| Salaries and employee benefits | $2,921,000 | 2,290 |
| Premises and equipment expense | $793,000 | 2,546 |
| Additional noninterest expense | $1,698,000 | 2,978 |
| Pre-tax net operating income | $3,427,000 | 2,085 |
| Securities gains (losses) | $21,000 | 1,738 |
| Applicable income taxes | $1,062,000 | 2,105 |
| Income before extraordinary items | $2,386,000 | 2,050 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,386,000 | 2,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,619 |
| Cash dividends | $2,216,000 | 1,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,371,510 | 2,079 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,374,000 | 2,721 |
| Total interest expense | $4,490,000 | 2,860 |
| Net interest income | $6,884,000 | 2,619 |
| Provision for loan and lease losses | $265,000 | 3,262 |
| Total noninterest income | $1,841,000 | 2,085 |
| Gross Fiduciary activities income | $305,000 | 929 |
| Service charges on deposit accounts | $1,091,000 | 1,235 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $445,000 | 3,518 |
| Total noninterest expense | $5,560,000 | 2,572 |
| Salaries and employee benefits | $2,807,000 | 2,370 |
| Premises and equipment expense | $849,000 | 2,404 |
| Additional noninterest expense | $1,904,000 | 2,845 |
| Pre-tax net operating income | $2,900,000 | 2,366 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $815,000 | 2,721 |
| Income before extraordinary items | $2,087,000 | 2,397 |
| Extraordinary gains, net | $249,000 | 849 |
| Net income | $2,336,000 | 2,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,689 |
| Cash dividends | $1,485,000 | 1,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,085,560 | 2,252 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,739,000 | 2,990 |
| Total interest expense | $5,500,000 | 3,024 |
| Net interest income | $6,239,000 | 2,921 |
| Provision for loan and lease losses | $190,000 | 5,357 |
| Total noninterest income | $1,661,000 | 2,211 |
| Gross Fiduciary activities income | $302,000 | 948 |
| Service charges on deposit accounts | $999,000 | 1,335 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $360,000 | 3,961 |
| Total noninterest expense | $5,062,000 | 2,831 |
| Salaries and employee benefits | $2,548,000 | 2,535 |
| Premises and equipment expense | $842,000 | 2,446 |
| Additional noninterest expense | $1,672,000 | 3,268 |
| Pre-tax net operating income | $2,648,000 | 2,339 |
| Securities gains (losses) | $-27,000 | 13,553 |
| Applicable income taxes | $675,000 | 3,095 |
| Income before extraordinary items | $1,946,000 | 2,348 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,946,000 | 2,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 4,493 |
| Cash dividends | $2,101,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,965,980 | 2,160 |
* 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.