Home > Simmons First Bank of Northwest Arkansas > Income and Expense
Simmons First Bank of Northwest Arkansas, Income and Expense
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $5,704,000 | 3,084 |
| Total interest expense | $625,000 | 3,440 |
| Net interest income | $5,079,000 | 2,999 |
| Provision for loan and lease losses | $250,000 | 2,282 |
| Total noninterest income | $1,485,000 | 2,229 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $1,049,000 | 988 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $436,000 | 3,221 |
| Total noninterest expense | $5,899,000 | 2,377 |
| Salaries and employee benefits | $3,399,000 | 2,242 |
| Premises and equipment expense | $1,110,000 | 1,600 |
| Additional noninterest expense | $1,390,000 | 3,140 |
| Pre-tax net operating income | $415,000 | 4,977 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $26,000 | 4,006 |
| Income before extraordinary items | $389,000 | 4,943 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $389,000 | 4,943 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $389,000 | 4,944 |
| Net charge-offs | $676,000 | 1,320 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $389,000 | 4,858 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,799,000 | 3,090 |
| Total interest expense | $433,000 | 3,418 |
| Net interest income | $3,366,000 | 3,009 |
| Provision for loan and lease losses | $166,000 | 2,332 |
| Total noninterest income | $860,000 | 2,447 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $699,000 | 967 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $161,000 | 4,119 |
| Total noninterest expense | $3,985,000 | 2,353 |
| Salaries and employee benefits | $2,307,000 | 2,212 |
| Premises and equipment expense | $746,000 | 1,603 |
| Additional noninterest expense | $932,000 | 3,127 |
| Pre-tax net operating income | $75,000 | 5,952 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $-59,000 | 6,714 |
| Income before extraordinary items | $134,000 | 5,637 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $134,000 | 5,639 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $134,000 | 5,639 |
| Net charge-offs | $665,000 | 1,032 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $134,000 | 5,545 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,905,000 | 3,108 |
| Total interest expense | $221,000 | 3,450 |
| Net interest income | $1,684,000 | 3,020 |
| Provision for loan and lease losses | $75,000 | 2,354 |
| Total noninterest income | $478,000 | 2,298 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $352,000 | 943 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $126,000 | 3,420 |
| Total noninterest expense | $1,994,000 | 2,374 |
| Salaries and employee benefits | $1,181,000 | 2,189 |
| Premises and equipment expense | $350,000 | 1,718 |
| Additional noninterest expense | $463,000 | 3,150 |
| Pre-tax net operating income | $93,000 | 5,387 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-5,000 | 6,710 |
| Income before extraordinary items | $98,000 | 5,277 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $98,000 | 5,279 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $98,000 | 5,279 |
| Net charge-offs | $151,000 | 1,578 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $98,000 | 5,175 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $8,017,000 | 3,098 |
| Total interest expense | $1,116,000 | 3,345 |
| Net interest income | $6,901,000 | 3,013 |
| Provision for loan and lease losses | $1,219,000 | 1,537 |
| Total noninterest income | $2,167,000 | 2,074 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,414,000 | 1,006 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $753,000 | 2,778 |
| Total noninterest expense | $8,154,000 | 2,312 |
| Salaries and employee benefits | $4,837,000 | 2,071 |
| Premises and equipment expense | $1,496,000 | 1,584 |
| Additional noninterest expense | $1,821,000 | 3,322 |
| Pre-tax net operating income | $-305,000 | 6,418 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $-322,000 | 6,841 |
| Income before extraordinary items | $17,000 | 6,273 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $17,000 | 6,266 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $17,000 | 6,268 |
| Net charge-offs | $1,189,000 | 1,642 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $17,000 | 6,127 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,058,000 | 3,144 |
| Total interest expense | $875,000 | 3,365 |
| Net interest income | $5,183,000 | 3,057 |
| Provision for loan and lease losses | $1,069,000 | 1,370 |
| Total noninterest income | $1,774,000 | 1,950 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,029,000 | 1,042 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $745,000 | 2,371 |
| Total noninterest expense | $6,139,000 | 2,312 |
| Salaries and employee benefits | $3,651,000 | 2,050 |
| Premises and equipment expense | $1,111,000 | 1,608 |
| Additional noninterest expense | $1,377,000 | 3,320 |
| Pre-tax net operating income | $-251,000 | 6,558 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-250,000 | 6,985 |
| Income before extraordinary items | $-1,000 | 6,409 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,000 | 6,408 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,000 | 6,408 |
| Net charge-offs | $1,137,000 | 1,340 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-1,000 | 6,283 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,067,000 | 3,143 |
| Total interest expense | $616,000 | 3,348 |
| Net interest income | $3,451,000 | 3,075 |
| Provision for loan and lease losses | $910,000 | 1,180 |
| Total noninterest income | $1,402,000 | 1,708 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $676,000 | 1,045 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $726,000 | 1,874 |
| Total noninterest expense | $4,100,000 | 2,318 |
| Salaries and employee benefits | $2,452,000 | 2,043 |
| Premises and equipment expense | $716,000 | 1,666 |
| Additional noninterest expense | $932,000 | 3,305 |
| Pre-tax net operating income | $-157,000 | 6,590 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-164,000 | 7,054 |
| Income before extraordinary items | $7,000 | 6,431 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $7,000 | 6,431 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $7,000 | 6,431 |
| Net charge-offs | $1,042,000 | 1,103 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $7,000 | 6,299 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,051,000 | 3,147 |
| Total interest expense | $331,000 | 3,293 |
| Net interest income | $1,720,000 | 3,089 |
| Provision for loan and lease losses | $458,000 | 1,127 |
| Total noninterest income | $703,000 | 1,702 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $341,000 | 1,027 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $362,000 | 1,880 |
| Total noninterest expense | $2,046,000 | 2,318 |
| Salaries and employee benefits | $1,216,000 | 2,063 |
| Premises and equipment expense | $363,000 | 1,642 |
| Additional noninterest expense | $467,000 | 3,258 |
| Pre-tax net operating income | $-81,000 | 6,687 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-83,000 | 7,148 |
| Income before extraordinary items | $2,000 | 6,502 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,000 | 6,503 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $2,000 | 6,502 |
| Net charge-offs | $1,245,000 | 578 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $2,000 | 6,394 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,060,000 | 3,024 |
| Total interest expense | $1,871,000 | 2,909 |
| Net interest income | $7,189,000 | 2,998 |
| Provision for loan and lease losses | $1,746,000 | 1,725 |
| Total noninterest income | $2,559,000 | 1,685 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,419,000 | 1,043 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,140,000 | 1,972 |
| Total noninterest expense | $8,128,000 | 2,334 |
| Salaries and employee benefits | $4,849,000 | 1,993 |
| Premises and equipment expense | $1,432,000 | 1,729 |
| Additional noninterest expense | $1,847,000 | 3,350 |
| Pre-tax net operating income | $-126,000 | 6,162 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $-217,000 | 6,939 |
| Income before extraordinary items | $91,000 | 5,907 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $91,000 | 5,909 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $91,000 | 5,909 |
| Net charge-offs | $1,013,000 | 2,345 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $91,000 | 5,792 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,928,000 | 3,000 |
| Total interest expense | $1,491,000 | 2,881 |
| Net interest income | $5,437,000 | 2,990 |
| Provision for loan and lease losses | $1,310,000 | 1,650 |
| Total noninterest income | $1,887,000 | 1,681 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,053,000 | 1,058 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $834,000 | 1,978 |
| Total noninterest expense | $6,115,000 | 2,341 |
| Salaries and employee benefits | $3,656,000 | 1,980 |
| Premises and equipment expense | $1,081,000 | 1,743 |
| Additional noninterest expense | $1,378,000 | 3,359 |
| Pre-tax net operating income | $-101,000 | 6,294 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-161,000 | 7,063 |
| Income before extraordinary items | $60,000 | 6,050 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $60,000 | 6,051 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $60,000 | 6,051 |
| Net charge-offs | $800,000 | 2,136 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $60,000 | 5,936 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,734,000 | 2,948 |
| Total interest expense | $1,062,000 | 2,826 |
| Net interest income | $3,672,000 | 2,957 |
| Provision for loan and lease losses | $870,000 | 1,641 |
| Total noninterest income | $1,256,000 | 1,672 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $680,000 | 1,086 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $576,000 | 1,920 |
| Total noninterest expense | $4,096,000 | 2,354 |
| Salaries and employee benefits | $2,464,000 | 1,979 |
| Premises and equipment expense | $715,000 | 1,767 |
| Additional noninterest expense | $917,000 | 3,406 |
| Pre-tax net operating income | $-38,000 | 6,305 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-104,000 | 7,118 |
| Income before extraordinary items | $66,000 | 5,905 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $66,000 | 5,904 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $66,000 | 5,905 |
| Net charge-offs | $784,000 | 1,687 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $66,000 | 5,824 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,410,000 | 2,913 |
| Total interest expense | $579,000 | 2,707 |
| Net interest income | $1,831,000 | 2,956 |
| Provision for loan and lease losses | $438,000 | 1,582 |
| Total noninterest income | $619,000 | 1,707 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $341,000 | 1,060 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $278,000 | 2,001 |
| Total noninterest expense | $2,080,000 | 2,329 |
| Salaries and employee benefits | $1,263,000 | 1,939 |
| Premises and equipment expense | $362,000 | 1,790 |
| Additional noninterest expense | $455,000 | 3,416 |
| Pre-tax net operating income | $-68,000 | 6,603 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-71,000 | 7,240 |
| Income before extraordinary items | $3,000 | 6,340 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $3,000 | 6,340 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,000 | 6,340 |
| Net charge-offs | $22,000 | 3,981 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $3,000 | 6,309 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,691,000 | 2,787 |
| Total interest expense | $3,024,000 | 2,589 |
| Net interest income | $7,667,000 | 2,834 |
| Provision for loan and lease losses | $1,741,000 | 2,263 |
| Total noninterest income | $2,578,000 | 1,718 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,568,000 | 963 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,010,000 | 2,171 |
| Total noninterest expense | $8,536,000 | 2,267 |
| Salaries and employee benefits | $4,965,000 | 1,955 |
| Premises and equipment expense | $1,466,000 | 1,749 |
| Additional noninterest expense | $2,105,000 | 3,125 |
| Pre-tax net operating income | $-32,000 | 5,843 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-155,000 | 6,923 |
| Income before extraordinary items | $123,000 | 5,532 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $123,000 | 5,532 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $123,000 | 5,533 |
| Net charge-offs | $2,109,000 | 1,801 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $123,000 | 5,407 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,164,000 | 2,804 |
| Total interest expense | $2,351,000 | 2,604 |
| Net interest income | $5,813,000 | 2,838 |
| Provision for loan and lease losses | $1,303,000 | 2,168 |
| Total noninterest income | $1,898,000 | 1,764 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,208,000 | 973 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $690,000 | 2,287 |
| Total noninterest expense | $6,446,000 | 2,252 |
| Salaries and employee benefits | $3,744,000 | 1,935 |
| Premises and equipment expense | $1,100,000 | 1,767 |
| Additional noninterest expense | $1,602,000 | 3,027 |
| Pre-tax net operating income | $-38,000 | 6,060 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-114,000 | 7,099 |
| Income before extraordinary items | $76,000 | 5,832 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $76,000 | 5,834 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $76,000 | 5,834 |
| Net charge-offs | $1,613,000 | 1,715 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $76,000 | 5,687 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,487,000 | 2,809 |
| Total interest expense | $1,631,000 | 2,608 |
| Net interest income | $3,856,000 | 2,853 |
| Provision for loan and lease losses | $868,000 | 2,099 |
| Total noninterest income | $1,282,000 | 1,689 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $828,000 | 957 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $454,000 | 2,232 |
| Total noninterest expense | $4,270,000 | 2,268 |
| Salaries and employee benefits | $2,519,000 | 1,932 |
| Premises and equipment expense | $736,000 | 1,770 |
| Additional noninterest expense | $1,015,000 | 3,160 |
| Pre-tax net operating income | $0 | 6,056 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-44,000 | 7,060 |
| Income before extraordinary items | $44,000 | 5,936 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $44,000 | 5,938 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $44,000 | 5,937 |
| Net charge-offs | $1,149,000 | 1,591 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $44,000 | 5,841 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 2,788 |
| Total interest expense | $854,000 | 2,621 |
| Net interest income | $1,970,000 | 2,818 |
| Provision for loan and lease losses | $435,000 | 1,982 |
| Total noninterest income | $619,000 | 1,746 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $409,000 | 962 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $210,000 | 2,321 |
| Total noninterest expense | $2,117,000 | 2,306 |
| Salaries and employee benefits | $1,279,000 | 1,938 |
| Premises and equipment expense | $370,000 | 1,827 |
| Additional noninterest expense | $468,000 | 3,368 |
| Pre-tax net operating income | $37,000 | 5,814 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-28,000 | 7,241 |
| Income before extraordinary items | $65,000 | 5,468 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $65,000 | 5,470 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $65,000 | 5,469 |
| Net charge-offs | $486,000 | 1,602 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $65,000 | 5,362 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,651,000 | 2,606 |
| Total interest expense | $5,041,000 | 2,246 |
| Net interest income | $7,610,000 | 2,850 |
| Provision for loan and lease losses | $1,782,000 | 2,636 |
| Total noninterest income | $2,642,000 | 1,758 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,756,000 | 987 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $886,000 | 2,310 |
| Total noninterest expense | $8,677,000 | 2,284 |
| Salaries and employee benefits | $4,923,000 | 2,001 |
| Premises and equipment expense | $1,463,000 | 1,848 |
| Additional noninterest expense | $2,291,000 | 2,966 |
| Pre-tax net operating income | $-207,000 | 5,715 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-254,000 | 6,824 |
| Income before extraordinary items | $47,000 | 5,361 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $47,000 | 5,360 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $47,000 | 5,360 |
| Net charge-offs | $2,479,000 | 1,805 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $47,000 | 5,302 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,649,000 | 2,619 |
| Total interest expense | $4,000,000 | 2,220 |
| Net interest income | $5,649,000 | 2,873 |
| Provision for loan and lease losses | $1,475,000 | 2,237 |
| Total noninterest income | $1,959,000 | 1,805 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,281,000 | 1,016 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $678,000 | 2,335 |
| Total noninterest expense | $6,540,000 | 2,274 |
| Salaries and employee benefits | $3,683,000 | 2,017 |
| Premises and equipment expense | $1,105,000 | 1,849 |
| Additional noninterest expense | $1,752,000 | 2,876 |
| Pre-tax net operating income | $-407,000 | 6,245 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-287,000 | 7,188 |
| Income before extraordinary items | $-120,000 | 6,009 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-120,000 | 6,009 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-120,000 | 6,009 |
| Net charge-offs | $2,137,000 | 1,445 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-120,000 | 5,980 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,468,000 | 2,636 |
| Total interest expense | $2,842,000 | 2,186 |
| Net interest income | $3,626,000 | 2,960 |
| Provision for loan and lease losses | $1,166,000 | 1,896 |
| Total noninterest income | $1,206,000 | 1,904 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $818,000 | 1,051 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $388,000 | 2,598 |
| Total noninterest expense | $4,393,000 | 2,286 |
| Salaries and employee benefits | $2,441,000 | 2,061 |
| Premises and equipment expense | $737,000 | 1,880 |
| Additional noninterest expense | $1,215,000 | 2,793 |
| Pre-tax net operating income | $-727,000 | 6,843 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-366,000 | 7,486 |
| Income before extraordinary items | $-361,000 | 6,608 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-361,000 | 6,608 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-361,000 | 6,608 |
| Net charge-offs | $2,172,000 | 1,064 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-361,000 | 6,592 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,337,000 | 2,599 |
| Total interest expense | $1,567,000 | 2,088 |
| Net interest income | $1,770,000 | 3,012 |
| Provision for loan and lease losses | $653,000 | 1,527 |
| Total noninterest income | $591,000 | 1,902 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $372,000 | 1,123 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $219,000 | 2,387 |
| Total noninterest expense | $2,052,000 | 2,365 |
| Salaries and employee benefits | $1,223,000 | 2,089 |
| Premises and equipment expense | $382,000 | 1,850 |
| Additional noninterest expense | $447,000 | 3,288 |
| Pre-tax net operating income | $-344,000 | 7,131 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-179,000 | 7,686 |
| Income before extraordinary items | $-165,000 | 6,978 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-165,000 | 6,979 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-165,000 | 6,979 |
| Net charge-offs | $1,730,000 | 665 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-165,000 | 6,896 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,925,000 | 2,341 |
| Total interest expense | $8,237,000 | 1,910 |
| Net interest income | $7,688,000 | 2,811 |
| Provision for loan and lease losses | $2,999,000 | 1,393 |
| Total noninterest income | $2,325,000 | 1,917 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,435,000 | 1,255 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $890,000 | 2,306 |
| Total noninterest expense | $8,112,000 | 2,350 |
| Salaries and employee benefits | $5,054,000 | 1,995 |
| Premises and equipment expense | $1,433,000 | 1,913 |
| Additional noninterest expense | $1,625,000 | 3,420 |
| Pre-tax net operating income | $-1,098,000 | 7,057 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-617,000 | 7,565 |
| Income before extraordinary items | $-481,000 | 6,701 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-481,000 | 6,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,295,000 | 1,184 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-481,000 | 6,834 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,331,000 | 2,336 |
| Total interest expense | $6,491,000 | 1,901 |
| Net interest income | $5,840,000 | 2,792 |
| Provision for loan and lease losses | $1,704,000 | 1,318 |
| Total noninterest income | $1,792,000 | 1,931 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,073,000 | 1,256 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $719,000 | 2,279 |
| Total noninterest expense | $6,078,000 | 2,344 |
| Salaries and employee benefits | $3,790,000 | 2,032 |
| Premises and equipment expense | $1,060,000 | 1,929 |
| Additional noninterest expense | $1,228,000 | 3,326 |
| Pre-tax net operating income | $-150,000 | 6,982 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-206,000 | 7,666 |
| Income before extraordinary items | $56,000 | 6,382 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $56,000 | 6,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,825,000 | 877 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $56,000 | 6,543 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,407,000 | 2,325 |
| Total interest expense | $4,583,000 | 1,882 |
| Net interest income | $3,824,000 | 2,816 |
| Provision for loan and lease losses | $994,000 | 1,234 |
| Total noninterest income | $1,205,000 | 1,947 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $690,000 | 1,284 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $515,000 | 2,200 |
| Total noninterest expense | $4,155,000 | 2,303 |
| Salaries and employee benefits | $2,531,000 | 2,046 |
| Premises and equipment expense | $673,000 | 2,018 |
| Additional noninterest expense | $951,000 | 2,866 |
| Pre-tax net operating income | $-120,000 | 7,230 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-143,000 | 7,924 |
| Income before extraordinary items | $23,000 | 6,869 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $23,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $727,000 | 1,038 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $23,000 | 6,823 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,399,000 | 2,291 |
| Total interest expense | $2,386,000 | 1,947 |
| Net interest income | $2,013,000 | 2,691 |
| Provision for loan and lease losses | $141,000 | 2,257 |
| Total noninterest income | $589,000 | 1,981 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $337,000 | 1,299 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $252,000 | 2,215 |
| Total noninterest expense | $2,019,000 | 2,344 |
| Salaries and employee benefits | $1,238,000 | 2,119 |
| Premises and equipment expense | $323,000 | 2,101 |
| Additional noninterest expense | $458,000 | 2,928 |
| Pre-tax net operating income | $442,000 | 3,307 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $121,000 | 2,572 |
| Income before extraordinary items | $321,000 | 3,640 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $321,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $321,000 | 3,555 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,572,000 | 2,218 |
| Total interest expense | $9,596,000 | 2,001 |
| Net interest income | $8,976,000 | 2,448 |
| Provision for loan and lease losses | $1,036,000 | 1,385 |
| Total noninterest income | $2,489,000 | 1,893 |
| Gross Fiduciary activities income | $44,000 | 1,030 |
| Service charges on deposit accounts | $1,478,000 | 1,202 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $967,000 | 2,266 |
| Total noninterest expense | $8,059,000 | 2,278 |
| Salaries and employee benefits | $4,967,000 | 2,027 |
| Premises and equipment expense | $1,208,000 | 2,151 |
| Additional noninterest expense | $1,884,000 | 2,815 |
| Pre-tax net operating income | $2,370,000 | 2,942 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $636,000 | 2,432 |
| Income before extraordinary items | $1,734,000 | 3,121 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,734,000 | 3,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $544,000 | 1,591 |
| Cash dividends | $859,000 | 2,876 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,734,000 | 3,115 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,919,000 | 2,224 |
| Total interest expense | $7,163,000 | 2,010 |
| Net interest income | $6,756,000 | 2,470 |
| Provision for loan and lease losses | $529,000 | 1,490 |
| Total noninterest income | $1,879,000 | 1,877 |
| Gross Fiduciary activities income | $33,000 | 1,015 |
| Service charges on deposit accounts | $1,091,000 | 1,205 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $755,000 | 2,199 |
| Total noninterest expense | $6,107,000 | 2,224 |
| Salaries and employee benefits | $3,767,000 | 1,992 |
| Premises and equipment expense | $907,000 | 2,132 |
| Additional noninterest expense | $1,433,000 | 2,724 |
| Pre-tax net operating income | $1,999,000 | 2,832 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $539,000 | 2,437 |
| Income before extraordinary items | $1,460,000 | 3,029 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,460,000 | 3,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,361 |
| Cash dividends | $859,000 | 2,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,460,000 | 3,009 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,221,000 | 2,255 |
| Total interest expense | $4,747,000 | 2,031 |
| Net interest income | $4,474,000 | 2,503 |
| Provision for loan and lease losses | $122,000 | 2,946 |
| Total noninterest income | $1,240,000 | 1,908 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $727,000 | 1,217 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $513,000 | 2,209 |
| Total noninterest expense | $4,073,000 | 2,237 |
| Salaries and employee benefits | $2,529,000 | 2,014 |
| Premises and equipment expense | $612,000 | 2,120 |
| Additional noninterest expense | $932,000 | 2,780 |
| Pre-tax net operating income | $1,519,000 | 2,650 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $407,000 | 2,359 |
| Income before extraordinary items | $1,112,000 | 2,810 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,112,000 | 2,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,999 |
| Cash dividends | $585,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,112,000 | 2,790 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,551,000 | 2,275 |
| Total interest expense | $2,341,000 | 2,044 |
| Net interest income | $2,210,000 | 2,538 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $595,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $350,000 | 1,235 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $245,000 | 2,244 |
| Total noninterest expense | $2,041,000 | 2,260 |
| Salaries and employee benefits | $1,284,000 | 2,002 |
| Premises and equipment expense | $312,000 | 2,089 |
| Additional noninterest expense | $445,000 | 2,892 |
| Pre-tax net operating income | $704,000 | 2,789 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $142,000 | 2,796 |
| Income before extraordinary items | $562,000 | 2,775 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $562,000 | 2,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,876 |
| Cash dividends | $278,000 | 2,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $562,000 | 2,762 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,981,000 | 2,303 |
| Total interest expense | $8,035,000 | 2,034 |
| Net interest income | $8,946,000 | 2,522 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $2,414,000 | 1,933 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,671,000 | 1,059 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $743,000 | 2,688 |
| Total noninterest expense | $7,527,000 | 2,355 |
| Salaries and employee benefits | $4,671,000 | 2,092 |
| Premises and equipment expense | $1,101,000 | 2,257 |
| Additional noninterest expense | $1,755,000 | 2,887 |
| Pre-tax net operating income | $3,713,000 | 2,376 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,230,000 | 1,931 |
| Income before extraordinary items | $2,483,000 | 2,638 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,483,000 | 2,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 1,919 |
| Cash dividends | $1,268,000 | 2,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,483,000 | 2,620 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,384,000 | 2,345 |
| Total interest expense | $5,652,000 | 2,092 |
| Net interest income | $6,732,000 | 2,551 |
| Provision for loan and lease losses | $60,000 | 4,851 |
| Total noninterest income | $1,858,000 | 1,904 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,280,000 | 1,042 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $578,000 | 2,639 |
| Total noninterest expense | $5,611,000 | 2,360 |
| Salaries and employee benefits | $3,469,000 | 2,113 |
| Premises and equipment expense | $811,000 | 2,294 |
| Additional noninterest expense | $1,331,000 | 2,843 |
| Pre-tax net operating income | $2,919,000 | 2,383 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $972,000 | 1,922 |
| Income before extraordinary items | $1,947,000 | 2,621 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,947,000 | 2,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,508 |
| Cash dividends | $951,000 | 2,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,947,000 | 2,609 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,961,000 | 2,383 |
| Total interest expense | $3,520,000 | 2,117 |
| Net interest income | $4,441,000 | 2,569 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $1,255,000 | 1,884 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $872,000 | 1,011 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $383,000 | 2,624 |
| Total noninterest expense | $3,712,000 | 2,378 |
| Salaries and employee benefits | $2,300,000 | 2,139 |
| Premises and equipment expense | $533,000 | 2,325 |
| Additional noninterest expense | $879,000 | 2,880 |
| Pre-tax net operating income | $1,924,000 | 2,386 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $647,000 | 1,955 |
| Income before extraordinary items | $1,277,000 | 2,648 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,277,000 | 2,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 1,489 |
| Cash dividends | $641,000 | 2,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,277,000 | 2,635 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,833,000 | 2,414 |
| Total interest expense | $1,633,000 | 2,170 |
| Net interest income | $2,200,000 | 2,575 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $608,000 | 1,919 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $420,000 | 1,013 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $188,000 | 2,596 |
| Total noninterest expense | $1,835,000 | 2,404 |
| Salaries and employee benefits | $1,153,000 | 2,145 |
| Premises and equipment expense | $259,000 | 2,403 |
| Additional noninterest expense | $423,000 | 2,965 |
| Pre-tax net operating income | $928,000 | 2,412 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $312,000 | 1,970 |
| Income before extraordinary items | $616,000 | 2,690 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $616,000 | 2,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,303 |
| Cash dividends | $290,000 | 2,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $616,000 | 2,676 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,661,000 | 2,420 |
| Total interest expense | $4,834,000 | 2,262 |
| Net interest income | $8,827,000 | 2,470 |
| Provision for loan and lease losses | $394,000 | 2,303 |
| Total noninterest income | $2,428,000 | 1,913 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,841,000 | 942 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $587,000 | 3,094 |
| Total noninterest expense | $7,143,000 | 2,349 |
| Salaries and employee benefits | $4,404,000 | 2,095 |
| Premises and equipment expense | $1,046,000 | 2,278 |
| Additional noninterest expense | $1,693,000 | 2,929 |
| Pre-tax net operating income | $3,718,000 | 2,345 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,266,000 | 1,926 |
| Income before extraordinary items | $2,452,000 | 2,641 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,452,000 | 2,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,295 |
| Cash dividends | $1,233,000 | 2,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,452,000 | 2,610 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,921,000 | 2,436 |
| Total interest expense | $3,298,000 | 2,366 |
| Net interest income | $6,623,000 | 2,458 |
| Provision for loan and lease losses | $394,000 | 1,747 |
| Total noninterest income | $1,825,000 | 1,915 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,381,000 | 945 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $444,000 | 3,095 |
| Total noninterest expense | $5,294,000 | 2,346 |
| Salaries and employee benefits | $3,273,000 | 2,093 |
| Premises and equipment expense | $759,000 | 2,323 |
| Additional noninterest expense | $1,262,000 | 2,913 |
| Pre-tax net operating income | $2,760,000 | 2,375 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $944,000 | 1,958 |
| Income before extraordinary items | $1,816,000 | 2,679 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,816,000 | 2,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 1,928 |
| Cash dividends | $825,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,816,000 | 2,642 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,385,000 | 2,462 |
| Total interest expense | $1,973,000 | 2,447 |
| Net interest income | $4,412,000 | 2,443 |
| Provision for loan and lease losses | $319,000 | 1,440 |
| Total noninterest income | $1,201,000 | 1,928 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $898,000 | 945 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $303,000 | 3,034 |
| Total noninterest expense | $3,552,000 | 2,318 |
| Salaries and employee benefits | $2,201,000 | 2,059 |
| Premises and equipment expense | $505,000 | 2,309 |
| Additional noninterest expense | $846,000 | 2,865 |
| Pre-tax net operating income | $1,742,000 | 2,427 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $594,000 | 2,023 |
| Income before extraordinary items | $1,148,000 | 2,758 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,148,000 | 2,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,738 |
| Cash dividends | $560,000 | 2,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,148,000 | 2,714 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,082,000 | 2,510 |
| Total interest expense | $925,000 | 2,491 |
| Net interest income | $2,157,000 | 2,477 |
| Provision for loan and lease losses | $160,000 | 1,329 |
| Total noninterest income | $562,000 | 1,963 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $404,000 | 1,023 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $158,000 | 2,881 |
| Total noninterest expense | $1,779,000 | 2,325 |
| Salaries and employee benefits | $1,103,000 | 2,071 |
| Premises and equipment expense | $255,000 | 2,317 |
| Additional noninterest expense | $421,000 | 2,890 |
| Pre-tax net operating income | $780,000 | 2,627 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $265,000 | 2,176 |
| Income before extraordinary items | $515,000 | 2,985 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $515,000 | 2,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $295,000 | 1,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $515,000 | 2,943 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,030,000 | 2,385 |
| Total interest expense | $3,153,000 | 2,518 |
| Net interest income | $8,877,000 | 2,302 |
| Provision for loan and lease losses | $577,000 | 1,736 |
| Total noninterest income | $2,260,000 | 2,017 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,798,000 | 982 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $462,000 | 3,456 |
| Total noninterest expense | $6,747,000 | 2,373 |
| Salaries and employee benefits | $4,114,000 | 2,114 |
| Premises and equipment expense | $949,000 | 2,404 |
| Additional noninterest expense | $1,684,000 | 2,827 |
| Pre-tax net operating income | $3,813,000 | 2,135 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,324,000 | 1,770 |
| Income before extraordinary items | $2,489,000 | 2,437 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,489,000 | 2,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 1,719 |
| Cash dividends | $1,249,000 | 1,987 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,489,000 | 2,376 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,990,000 | 2,363 |
| Total interest expense | $2,336,000 | 2,503 |
| Net interest income | $6,654,000 | 2,272 |
| Provision for loan and lease losses | $433,000 | 1,664 |
| Total noninterest income | $1,739,000 | 1,990 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,357,000 | 976 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $382,000 | 3,279 |
| Total noninterest expense | $5,014,000 | 2,377 |
| Salaries and employee benefits | $3,042,000 | 2,139 |
| Premises and equipment expense | $710,000 | 2,393 |
| Additional noninterest expense | $1,262,000 | 2,787 |
| Pre-tax net operating income | $2,946,000 | 2,104 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,027,000 | 1,738 |
| Income before extraordinary items | $1,919,000 | 2,409 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,919,000 | 2,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 1,992 |
| Cash dividends | $943,000 | 1,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,919,000 | 2,352 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,907,000 | 2,384 |
| Total interest expense | $1,549,000 | 2,500 |
| Net interest income | $4,358,000 | 2,295 |
| Provision for loan and lease losses | $289,000 | 1,643 |
| Total noninterest income | $1,113,000 | 2,038 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $885,000 | 991 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $228,000 | 3,488 |
| Total noninterest expense | $3,328,000 | 2,396 |
| Salaries and employee benefits | $2,022,000 | 2,151 |
| Premises and equipment expense | $460,000 | 2,449 |
| Additional noninterest expense | $846,000 | 2,779 |
| Pre-tax net operating income | $1,854,000 | 2,186 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $651,000 | 1,805 |
| Income before extraordinary items | $1,203,000 | 2,516 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,203,000 | 2,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,446 |
| Cash dividends | $601,000 | 1,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,203,000 | 2,450 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,945,000 | 2,391 |
| Total interest expense | $764,000 | 2,560 |
| Net interest income | $2,181,000 | 2,288 |
| Provision for loan and lease losses | $144,000 | 1,588 |
| Total noninterest income | $568,000 | 1,973 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $426,000 | 998 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $142,000 | 3,033 |
| Total noninterest expense | $1,640,000 | 2,436 |
| Salaries and employee benefits | $1,013,000 | 2,167 |
| Premises and equipment expense | $226,000 | 2,509 |
| Additional noninterest expense | $401,000 | 2,905 |
| Pre-tax net operating income | $965,000 | 2,073 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $337,000 | 1,775 |
| Income before extraordinary items | $628,000 | 2,388 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $628,000 | 2,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $314,000 | 1,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $628,000 | 2,305 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,515,000 | 2,472 |
| Total interest expense | $3,198,000 | 2,700 |
| Net interest income | $8,317,000 | 2,339 |
| Provision for loan and lease losses | $750,000 | 1,535 |
| Total noninterest income | $1,850,000 | 2,447 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,448,000 | 1,204 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $402,000 | 3,966 |
| Total noninterest expense | $6,542,000 | 2,401 |
| Salaries and employee benefits | $3,913,000 | 2,170 |
| Premises and equipment expense | $931,000 | 2,414 |
| Additional noninterest expense | $1,698,000 | 2,758 |
| Pre-tax net operating income | $2,875,000 | 2,597 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $977,000 | 2,206 |
| Income before extraordinary items | $1,898,000 | 2,979 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,898,000 | 2,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $717,000 | 1,203 |
| Cash dividends | $948,000 | 2,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,898,000 | 2,855 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,545,000 | 2,540 |
| Total interest expense | $2,390,000 | 2,804 |
| Net interest income | $6,155,000 | 2,382 |
| Provision for loan and lease losses | $563,000 | 1,503 |
| Total noninterest income | $1,388,000 | 2,494 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,081,000 | 1,211 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $307,000 | 4,003 |
| Total noninterest expense | $4,938,000 | 2,389 |
| Salaries and employee benefits | $2,964,000 | 2,158 |
| Premises and equipment expense | $707,000 | 2,387 |
| Additional noninterest expense | $1,267,000 | 2,749 |
| Pre-tax net operating income | $2,042,000 | 2,806 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $692,000 | 2,409 |
| Income before extraordinary items | $1,350,000 | 3,203 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,350,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,549 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,350,000 | 3,049 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,548,000 | 2,628 |
| Total interest expense | $1,575,000 | 2,917 |
| Net interest income | $3,973,000 | 2,452 |
| Provision for loan and lease losses | $375,000 | 1,474 |
| Total noninterest income | $921,000 | 2,492 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $723,000 | 1,187 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $198,000 | 4,063 |
| Total noninterest expense | $3,303,000 | 2,376 |
| Salaries and employee benefits | $1,994,000 | 2,129 |
| Premises and equipment expense | $473,000 | 2,372 |
| Additional noninterest expense | $836,000 | 2,777 |
| Pre-tax net operating income | $1,216,000 | 3,061 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $419,000 | 2,609 |
| Income before extraordinary items | $797,000 | 3,520 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $797,000 | 3,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,352 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $797,000 | 3,325 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 2,689 |
| Total interest expense | $792,000 | 2,963 |
| Net interest income | $1,927,000 | 2,518 |
| Provision for loan and lease losses | $188,000 | 1,444 |
| Total noninterest income | $483,000 | 2,346 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $352,000 | 1,182 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $131,000 | 3,454 |
| Total noninterest expense | $1,624,000 | 2,390 |
| Salaries and employee benefits | $987,000 | 2,140 |
| Premises and equipment expense | $238,000 | 2,339 |
| Additional noninterest expense | $399,000 | 2,873 |
| Pre-tax net operating income | $598,000 | 3,085 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $206,000 | 2,643 |
| Income before extraordinary items | $392,000 | 3,507 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $392,000 | 3,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 1,073 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $392,000 | 3,339 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,081,000 | 2,547 |
| Total interest expense | $4,884,000 | 2,297 |
| Net interest income | $7,197,000 | 2,654 |
| Provision for loan and lease losses | $1,199,000 | 1,143 |
| Total noninterest income | $2,159,000 | 2,003 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,489,000 | 1,080 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $670,000 | 2,773 |
| Total noninterest expense | $6,187,000 | 2,391 |
| Salaries and employee benefits | $3,641,000 | 2,202 |
| Premises and equipment expense | $1,016,000 | 2,151 |
| Additional noninterest expense | $1,530,000 | 2,915 |
| Pre-tax net operating income | $1,970,000 | 3,472 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $649,000 | 2,987 |
| Income before extraordinary items | $1,321,000 | 3,850 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,321,000 | 3,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $974,000 | 992 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,321,000 | 3,738 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,983,000 | 2,276 |
| Total interest expense | $8,131,000 | 1,990 |
| Net interest income | $6,852,000 | 2,615 |
| Provision for loan and lease losses | $1,000,000 | 1,250 |
| Total noninterest income | $1,710,000 | 2,280 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,339,000 | 1,108 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $371,000 | 3,700 |
| Total noninterest expense | $6,906,000 | 2,079 |
| Salaries and employee benefits | $3,611,000 | 2,091 |
| Premises and equipment expense | $1,123,000 | 1,907 |
| Additional noninterest expense | $2,172,000 | 2,069 |
| Pre-tax net operating income | $656,000 | 5,963 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $171,000 | 5,270 |
| Income before extraordinary items | $485,000 | 6,155 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $485,000 | 6,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,464,000 | 717 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $485,000 | 6,023 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,991,000 | 2,481 |
| Total interest expense | $7,738,000 | 2,196 |
| Net interest income | $6,253,000 | 2,833 |
| Provision for loan and lease losses | $1,069,000 | 1,008 |
| Total noninterest income | $1,340,000 | 2,546 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,082,000 | 1,250 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $258,000 | 4,231 |
| Total noninterest expense | $5,555,000 | 2,458 |
| Salaries and employee benefits | $2,812,000 | 2,544 |
| Premises and equipment expense | $884,000 | 2,346 |
| Additional noninterest expense | $1,859,000 | 2,312 |
| Pre-tax net operating income | $969,000 | 5,338 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $298,000 | 4,610 |
| Income before extraordinary items | $671,000 | 5,526 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $671,000 | 5,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,281,000 | 630 |
| Cash dividends | $253,000 | 4,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $671,000 | 5,532 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,107,000 | 2,687 |
| Total interest expense | $5,953,000 | 2,479 |
| Net interest income | $6,154,000 | 2,856 |
| Provision for loan and lease losses | $516,000 | 1,724 |
| Total noninterest income | $1,030,000 | 3,022 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $730,000 | 1,820 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $300,000 | 4,018 |
| Total noninterest expense | $4,584,000 | 2,938 |
| Salaries and employee benefits | $2,389,000 | 2,929 |
| Premises and equipment expense | $766,000 | 2,655 |
| Additional noninterest expense | $1,429,000 | 2,977 |
| Pre-tax net operating income | $2,084,000 | 3,220 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $716,000 | 2,866 |
| Income before extraordinary items | $1,368,000 | 3,484 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,368,000 | 3,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $565,000 | 1,110 |
| Cash dividends | $833,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,368,000 | 3,449 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,923,000 | 5,050 |
| Total interest expense | $3,512,000 | 4,119 |
| Net interest income | $2,411,000 | 5,975 |
| Provision for loan and lease losses | $370,000 | 2,196 |
| Total noninterest income | $377,000 | 5,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 3,899 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,421 |
| Total noninterest expense | $1,929,000 | 5,731 |
| Salaries and employee benefits | $951,000 | 5,981 |
| Premises and equipment expense | $467,000 | 3,897 |
| Additional noninterest expense | $511,000 | 6,355 |
| Pre-tax net operating income | $489,000 | 7,428 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $96,000 | 7,595 |
| Income before extraordinary items | $393,000 | 7,263 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $393,000 | 7,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,111 |
| Cash dividends | $165,000 | 5,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $393,000 | 7,173 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,032,000 | 5,780 |
| Total interest expense | $2,952,000 | 4,787 |
| Net interest income | $2,080,000 | 6,757 |
| Provision for loan and lease losses | $275,000 | 2,782 |
| Total noninterest income | $472,000 | 5,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 4,852 |
| Total noninterest expense | $1,821,000 | 6,030 |
| Salaries and employee benefits | $825,000 | 6,657 |
| Premises and equipment expense | $442,000 | 4,099 |
| Additional noninterest expense | $554,000 | 6,096 |
| Pre-tax net operating income | $456,000 | 8,153 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $159,000 | 7,472 |
| Income before extraordinary items | $297,000 | 8,399 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $297,000 | 8,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,850 |
| Cash dividends | $115,000 | 6,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $297,000 | 8,354 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 8,937 |
| Total interest expense | $1,309,000 | 8,077 |
| Net interest income | $1,021,000 | 9,502 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $213,000 | 8,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 7,295 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,023 |
| Total noninterest expense | $820,000 | 9,359 |
| Salaries and employee benefits | $352,000 | 9,937 |
| Premises and equipment expense | $175,000 | 7,528 |
| Additional noninterest expense | $293,000 | 8,956 |
| Pre-tax net operating income | $402,000 | 8,494 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $140,000 | 8,024 |
| Income before extraordinary items | $262,000 | 8,734 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $262,000 | 8,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,149 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $262,000 | 8,669 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $541,000 | 11,760 |
| Total interest expense | $271,000 | 11,638 |
| Net interest income | $270,000 | 11,795 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $69,000 | 10,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 10,054 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,186 |
| Total noninterest expense | $179,000 | 11,892 |
| Salaries and employee benefits | $109,000 | 11,854 |
| Premises and equipment expense | $36,000 | 11,479 |
| Additional noninterest expense | $34,000 | 11,940 |
| Pre-tax net operating income | $140,000 | 10,831 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $46,000 | 10,254 |
| Income before extraordinary items | $94,000 | 10,986 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $94,000 | 10,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $94,000 | 10,957 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,209,000 | 11,333 |
| Total interest expense | $432,000 | 11,431 |
| Net interest income | $777,000 | 11,126 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $184,000 | 9,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,323 |
| Total noninterest expense | $545,000 | 11,375 |
| Salaries and employee benefits | $312,000 | 11,093 |
| Premises and equipment expense | $73,000 | 10,875 |
| Additional noninterest expense | $160,000 | 11,664 |
| Pre-tax net operating income | $411,000 | 9,282 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $102,000 | 9,321 |
| Income before extraordinary items | $306,000 | 9,082 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $306,000 | 9,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 10,986 |
| Cash dividends | $293,000 | 4,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $308,250 | 9,129 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,204,000 | 11,881 |
| Total interest expense | $428,000 | 12,086 |
| Net interest income | $776,000 | 11,594 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $77,000 | 11,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 10,409 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 10,863 |
| Total noninterest expense | $519,000 | 12,069 |
| Salaries and employee benefits | $293,000 | 11,734 |
| Premises and equipment expense | $69,000 | 11,541 |
| Additional noninterest expense | $157,000 | 12,324 |
| Pre-tax net operating income | $334,000 | 9,954 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $101,000 | 9,717 |
| Income before extraordinary items | $234,000 | 10,229 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $234,000 | 10,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $249,000 | 4,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $233,300 | 9,993 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,360,000 | 12,271 |
| Total interest expense | $526,000 | 12,644 |
| Net interest income | $834,000 | 11,771 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $73,000 | 12,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 10,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,632 |
| Total noninterest expense | $532,000 | 12,438 |
| Salaries and employee benefits | $309,000 | 11,906 |
| Premises and equipment expense | $67,000 | 11,992 |
| Additional noninterest expense | $156,000 | 12,847 |
| Pre-tax net operating income | $375,000 | 9,469 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $115,000 | 9,514 |
| Income before extraordinary items | $262,000 | 9,753 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $262,000 | 9,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $249,000 | 4,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $260,620 | 9,408 |
* 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.