Home > Sonoma Valley Bank > Income and Expense
Sonoma Valley Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,847,000 | 1,988 |
| Total interest expense | $1,691,000 | 2,532 |
| Net interest income | $6,156,000 | 1,819 |
| Provision for loan and lease losses | $4,200,000 | 738 |
| Total noninterest income | $913,000 | 2,168 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $557,000 | 1,412 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $356,000 | 2,580 |
| Total noninterest expense | $3,447,000 | 2,763 |
| Salaries and employee benefits | $-1,020,000 | 7,830 |
| Premises and equipment expense | $491,000 | 2,573 |
| Additional noninterest expense | $3,976,000 | 893 |
| Pre-tax net operating income | $-578,000 | 6,801 |
| Securities gains (losses) | $239,000 | 827 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-339,000 | 6,732 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-339,000 | 6,734 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-339,000 | 6,733 |
| Net charge-offs | $5,027,000 | 572 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-578,000 | 6,868 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,132,000 | 1,936 |
| Total interest expense | $871,000 | 2,574 |
| Net interest income | $3,261,000 | 1,746 |
| Provision for loan and lease losses | $1,900,000 | 777 |
| Total noninterest income | $445,000 | 2,210 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $272,000 | 1,442 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $173,000 | 2,609 |
| Total noninterest expense | $4,477,000 | 1,119 |
| Salaries and employee benefits | $1,186,000 | 2,078 |
| Premises and equipment expense | $249,000 | 2,604 |
| Additional noninterest expense | $3,042,000 | 598 |
| Pre-tax net operating income | $-2,671,000 | 7,669 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,671,000 | 7,697 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,671,000 | 7,698 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-2,671,000 | 7,698 |
| Net charge-offs | $2,512,000 | 556 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-2,671,000 | 7,688 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $18,177,000 | 1,863 |
| Total interest expense | $3,883,000 | 2,807 |
| Net interest income | $14,294,000 | 1,571 |
| Provision for loan and lease losses | $31,130,000 | 358 |
| Total noninterest income | $2,029,000 | 2,109 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,304,000 | 1,324 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $725,000 | 2,601 |
| Total noninterest expense | $8,914,000 | 2,227 |
| Salaries and employee benefits | $4,139,000 | 2,377 |
| Premises and equipment expense | $979,000 | 2,628 |
| Additional noninterest expense | $3,796,000 | 1,930 |
| Pre-tax net operating income | $-23,721,000 | 7,752 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-4,481,000 | 7,738 |
| Income before extraordinary items | $-19,240,000 | 7,729 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-19,240,000 | 7,727 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-19,240,000 | 7,727 |
| Net charge-offs | $23,096,000 | 364 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-19,240,000 | 7,730 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,856,000 | 1,873 |
| Total interest expense | $3,044,000 | 2,827 |
| Net interest income | $10,812,000 | 1,556 |
| Provision for loan and lease losses | $29,330,000 | 300 |
| Total noninterest income | $1,502,000 | 2,171 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $972,000 | 1,325 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $530,000 | 2,715 |
| Total noninterest expense | $6,885,000 | 2,169 |
| Salaries and employee benefits | $3,327,000 | 2,234 |
| Premises and equipment expense | $725,000 | 2,689 |
| Additional noninterest expense | $2,833,000 | 1,875 |
| Pre-tax net operating income | $-23,901,000 | 7,897 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-4,629,000 | 7,891 |
| Income before extraordinary items | $-19,272,000 | 7,890 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-19,272,000 | 7,889 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-19,272,000 | 7,890 |
| Net charge-offs | $21,555,000 | 282 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-19,272,000 | 7,891 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,248,000 | 1,910 |
| Total interest expense | $2,064,000 | 2,892 |
| Net interest income | $7,184,000 | 1,559 |
| Provision for loan and lease losses | $4,880,000 | 749 |
| Total noninterest income | $982,000 | 2,213 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $645,000 | 1,314 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $337,000 | 2,800 |
| Total noninterest expense | $4,602,000 | 2,183 |
| Salaries and employee benefits | $2,257,000 | 2,234 |
| Premises and equipment expense | $486,000 | 2,705 |
| Additional noninterest expense | $1,859,000 | 1,922 |
| Pre-tax net operating income | $-1,316,000 | 7,165 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-760,000 | 7,688 |
| Income before extraordinary items | $-556,000 | 6,815 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-556,000 | 6,815 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-556,000 | 6,815 |
| Net charge-offs | $1,282,000 | 1,456 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-556,000 | 6,796 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,642,000 | 1,922 |
| Total interest expense | $1,083,000 | 2,876 |
| Net interest income | $3,559,000 | 1,567 |
| Provision for loan and lease losses | $630,000 | 1,549 |
| Total noninterest income | $479,000 | 2,207 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $310,000 | 1,331 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $169,000 | 2,756 |
| Total noninterest expense | $2,337,000 | 2,117 |
| Salaries and employee benefits | $1,192,000 | 2,139 |
| Premises and equipment expense | $239,000 | 2,781 |
| Additional noninterest expense | $906,000 | 1,780 |
| Pre-tax net operating income | $1,071,000 | 1,201 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $330,000 | 978 |
| Income before extraordinary items | $741,000 | 1,467 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $741,000 | 1,467 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $741,000 | 1,469 |
| Net charge-offs | $620,000 | 1,233 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $741,000 | 1,387 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $19,931,000 | 1,917 |
| Total interest expense | $5,448,000 | 2,754 |
| Net interest income | $14,483,000 | 1,548 |
| Provision for loan and lease losses | $2,110,000 | 1,730 |
| Total noninterest income | $2,131,000 | 2,037 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,333,000 | 1,353 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $798,000 | 2,454 |
| Total noninterest expense | $8,444,000 | 2,273 |
| Salaries and employee benefits | $4,947,000 | 2,056 |
| Premises and equipment expense | $919,000 | 2,823 |
| Additional noninterest expense | $2,578,000 | 2,282 |
| Pre-tax net operating income | $6,060,000 | 923 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $2,103,000 | 650 |
| Income before extraordinary items | $3,957,000 | 1,057 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,957,000 | 1,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $801,000 | 2,194 |
| Cash dividends | $1,000,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,957,000 | 1,126 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,930,000 | 1,962 |
| Total interest expense | $4,207,000 | 2,779 |
| Net interest income | $10,723,000 | 1,575 |
| Provision for loan and lease losses | $830,000 | 2,048 |
| Total noninterest income | $1,617,000 | 2,092 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,002,000 | 1,355 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $615,000 | 2,493 |
| Total noninterest expense | $6,334,000 | 2,262 |
| Salaries and employee benefits | $3,731,000 | 2,062 |
| Premises and equipment expense | $686,000 | 2,855 |
| Additional noninterest expense | $1,917,000 | 2,245 |
| Pre-tax net operating income | $5,176,000 | 977 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,804,000 | 706 |
| Income before extraordinary items | $3,372,000 | 1,095 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,372,000 | 1,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 2,227 |
| Cash dividends | $1,000,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,372,000 | 1,168 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,094,000 | 1,967 |
| Total interest expense | $2,971,000 | 2,734 |
| Net interest income | $7,123,000 | 1,577 |
| Provision for loan and lease losses | $530,000 | 1,852 |
| Total noninterest income | $1,088,000 | 2,103 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $676,000 | 1,313 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $412,000 | 2,546 |
| Total noninterest expense | $4,216,000 | 2,258 |
| Salaries and employee benefits | $2,482,000 | 2,095 |
| Premises and equipment expense | $456,000 | 2,875 |
| Additional noninterest expense | $1,278,000 | 2,222 |
| Pre-tax net operating income | $3,465,000 | 1,035 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,208,000 | 798 |
| Income before extraordinary items | $2,257,000 | 1,227 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,257,000 | 1,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,851 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,257,000 | 1,212 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,171,000 | 1,967 |
| Total interest expense | $1,600,000 | 2,718 |
| Net interest income | $3,571,000 | 1,560 |
| Provision for loan and lease losses | $220,000 | 1,731 |
| Total noninterest income | $557,000 | 2,072 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $349,000 | 1,260 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $208,000 | 2,511 |
| Total noninterest expense | $2,128,000 | 2,243 |
| Salaries and employee benefits | $1,261,000 | 2,076 |
| Premises and equipment expense | $224,000 | 2,932 |
| Additional noninterest expense | $643,000 | 2,175 |
| Pre-tax net operating income | $1,780,000 | 1,075 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $623,000 | 850 |
| Income before extraordinary items | $1,157,000 | 1,303 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,157,000 | 1,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,552 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,157,000 | 1,267 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,804,000 | 2,021 |
| Total interest expense | $6,437,000 | 2,835 |
| Net interest income | $14,367,000 | 1,577 |
| Provision for loan and lease losses | $680,000 | 1,887 |
| Total noninterest income | $2,278,000 | 2,019 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,410,000 | 1,263 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $868,000 | 2,435 |
| Total noninterest expense | $8,289,000 | 2,211 |
| Salaries and employee benefits | $5,131,000 | 1,964 |
| Premises and equipment expense | $942,000 | 2,698 |
| Additional noninterest expense | $2,216,000 | 2,431 |
| Pre-tax net operating income | $7,676,000 | 1,100 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,814,000 | 862 |
| Income before extraordinary items | $4,862,000 | 1,314 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,862,000 | 1,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,624 |
| Cash dividends | $3,000,000 | 1,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,862,000 | 1,303 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,417,000 | 2,044 |
| Total interest expense | $4,731,000 | 2,884 |
| Net interest income | $10,686,000 | 1,598 |
| Provision for loan and lease losses | $565,000 | 1,418 |
| Total noninterest income | $1,710,000 | 2,024 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,063,000 | 1,235 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $647,000 | 2,448 |
| Total noninterest expense | $6,064,000 | 2,245 |
| Salaries and employee benefits | $3,783,000 | 1,989 |
| Premises and equipment expense | $717,000 | 2,657 |
| Additional noninterest expense | $1,564,000 | 2,518 |
| Pre-tax net operating income | $5,767,000 | 1,186 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,089,000 | 934 |
| Income before extraordinary items | $3,678,000 | 1,389 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,678,000 | 1,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,856 |
| Cash dividends | $3,000,000 | 857 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,678,000 | 1,377 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,138,000 | 2,082 |
| Total interest expense | $3,023,000 | 2,992 |
| Net interest income | $7,115,000 | 1,619 |
| Provision for loan and lease losses | $425,000 | 1,179 |
| Total noninterest income | $1,129,000 | 2,056 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $714,000 | 1,234 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $415,000 | 2,524 |
| Total noninterest expense | $3,870,000 | 2,358 |
| Salaries and employee benefits | $2,461,000 | 2,075 |
| Premises and equipment expense | $477,000 | 2,688 |
| Additional noninterest expense | $932,000 | 2,780 |
| Pre-tax net operating income | $3,949,000 | 1,193 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,447,000 | 947 |
| Income before extraordinary items | $2,502,000 | 1,414 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,502,000 | 1,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,601 |
| Cash dividends | $1,500,000 | 1,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,502,000 | 1,392 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 2,130 |
| Total interest expense | $1,463,000 | 3,056 |
| Net interest income | $3,475,000 | 1,650 |
| Provision for loan and lease losses | $135,000 | 1,618 |
| Total noninterest income | $550,000 | 2,077 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $361,000 | 1,197 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $189,000 | 2,631 |
| Total noninterest expense | $1,790,000 | 2,557 |
| Salaries and employee benefits | $1,188,000 | 2,159 |
| Premises and equipment expense | $240,000 | 2,681 |
| Additional noninterest expense | $362,000 | 3,442 |
| Pre-tax net operating income | $2,100,000 | 1,112 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $785,000 | 883 |
| Income before extraordinary items | $1,315,000 | 1,336 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,315,000 | 1,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $1,000,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,315,000 | 1,329 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,380,000 | 2,248 |
| Total interest expense | $4,458,000 | 3,312 |
| Net interest income | $12,922,000 | 1,785 |
| Provision for loan and lease losses | $500,000 | 1,903 |
| Total noninterest income | $2,093,000 | 2,153 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,352,000 | 1,320 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $741,000 | 2,691 |
| Total noninterest expense | $7,722,000 | 2,289 |
| Salaries and employee benefits | $4,658,000 | 2,098 |
| Premises and equipment expense | $996,000 | 2,486 |
| Additional noninterest expense | $2,068,000 | 2,498 |
| Pre-tax net operating income | $6,793,000 | 1,439 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,422,000 | 1,133 |
| Income before extraordinary items | $4,371,000 | 1,651 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,371,000 | 1,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $1,750,000 | 1,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,371,000 | 1,636 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,552,000 | 2,313 |
| Total interest expense | $3,071,000 | 3,450 |
| Net interest income | $9,481,000 | 1,838 |
| Provision for loan and lease losses | $320,000 | 2,035 |
| Total noninterest income | $1,558,000 | 2,167 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,009,000 | 1,331 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $549,000 | 2,713 |
| Total noninterest expense | $5,719,000 | 2,306 |
| Salaries and employee benefits | $3,462,000 | 2,118 |
| Premises and equipment expense | $740,000 | 2,503 |
| Additional noninterest expense | $1,517,000 | 2,531 |
| Pre-tax net operating income | $5,000,000 | 1,507 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,784,000 | 1,202 |
| Income before extraordinary items | $3,216,000 | 1,733 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,216,000 | 1,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,511 |
| Cash dividends | $1,000,000 | 1,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,216,000 | 1,720 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,995,000 | 2,369 |
| Total interest expense | $1,812,000 | 3,640 |
| Net interest income | $6,183,000 | 1,889 |
| Provision for loan and lease losses | $290,000 | 1,568 |
| Total noninterest income | $1,024,000 | 2,179 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $661,000 | 1,340 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $363,000 | 2,699 |
| Total noninterest expense | $3,680,000 | 2,402 |
| Salaries and employee benefits | $2,191,000 | 2,241 |
| Premises and equipment expense | $494,000 | 2,495 |
| Additional noninterest expense | $995,000 | 2,577 |
| Pre-tax net operating income | $3,237,000 | 1,552 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,149,000 | 1,244 |
| Income before extraordinary items | $2,088,000 | 1,739 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,088,000 | 1,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,088,000 | 1,725 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,759,000 | 2,456 |
| Total interest expense | $781,000 | 3,880 |
| Net interest income | $2,978,000 | 1,949 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $505,000 | 2,181 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $325,000 | 1,320 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $180,000 | 2,686 |
| Total noninterest expense | $1,847,000 | 2,389 |
| Salaries and employee benefits | $1,086,000 | 2,271 |
| Premises and equipment expense | $245,000 | 2,511 |
| Additional noninterest expense | $516,000 | 2,477 |
| Pre-tax net operating income | $1,586,000 | 1,547 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $560,000 | 1,265 |
| Income before extraordinary items | $1,026,000 | 1,748 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,026,000 | 1,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,562 |
| Cash dividends | $1,000,000 | 729 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,026,000 | 1,731 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,702,000 | 2,416 |
| Total interest expense | $2,402,000 | 3,924 |
| Net interest income | $11,300,000 | 1,972 |
| Provision for loan and lease losses | $360,000 | 2,451 |
| Total noninterest income | $1,963,000 | 2,247 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,259,000 | 1,391 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $704,000 | 2,762 |
| Total noninterest expense | $7,246,000 | 2,310 |
| Salaries and employee benefits | $4,210,000 | 2,178 |
| Premises and equipment expense | $983,000 | 2,404 |
| Additional noninterest expense | $2,053,000 | 2,423 |
| Pre-tax net operating income | $5,657,000 | 1,655 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $1,909,000 | 1,416 |
| Income before extraordinary items | $3,753,000 | 1,831 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,753,000 | 1,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,675 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,749,700 | 1,812 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,051,000 | 2,400 |
| Total interest expense | $1,699,000 | 3,950 |
| Net interest income | $8,352,000 | 1,980 |
| Provision for loan and lease losses | $345,000 | 1,969 |
| Total noninterest income | $1,438,000 | 2,278 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $936,000 | 1,385 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $502,000 | 2,878 |
| Total noninterest expense | $5,436,000 | 2,288 |
| Salaries and employee benefits | $3,196,000 | 2,136 |
| Premises and equipment expense | $734,000 | 2,402 |
| Additional noninterest expense | $1,506,000 | 2,441 |
| Pre-tax net operating income | $4,009,000 | 1,758 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $1,369,000 | 1,479 |
| Income before extraordinary items | $2,645,000 | 1,971 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,645,000 | 1,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,023 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,641,700 | 1,941 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,548,000 | 2,399 |
| Total interest expense | $1,061,000 | 3,969 |
| Net interest income | $5,487,000 | 1,981 |
| Provision for loan and lease losses | $250,000 | 1,767 |
| Total noninterest income | $945,000 | 2,271 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $619,000 | 1,371 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $326,000 | 2,913 |
| Total noninterest expense | $3,604,000 | 2,282 |
| Salaries and employee benefits | $2,126,000 | 2,129 |
| Premises and equipment expense | $469,000 | 2,469 |
| Additional noninterest expense | $1,009,000 | 2,406 |
| Pre-tax net operating income | $2,578,000 | 1,791 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $871,000 | 1,514 |
| Income before extraordinary items | $1,707,000 | 1,994 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,707,000 | 1,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,892 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,707,000 | 1,956 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,171,000 | 2,436 |
| Total interest expense | $468,000 | 4,216 |
| Net interest income | $2,703,000 | 1,993 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $459,000 | 2,266 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $303,000 | 1,359 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $156,000 | 2,904 |
| Total noninterest expense | $1,792,000 | 2,313 |
| Salaries and employee benefits | $1,057,000 | 2,152 |
| Premises and equipment expense | $225,000 | 2,590 |
| Additional noninterest expense | $510,000 | 2,384 |
| Pre-tax net operating income | $1,280,000 | 1,777 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $432,000 | 1,524 |
| Income before extraordinary items | $848,000 | 1,982 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $848,000 | 1,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,588 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $848,000 | 1,948 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,558,000 | 2,484 |
| Total interest expense | $1,554,000 | 4,418 |
| Net interest income | $10,004,000 | 2,029 |
| Provision for loan and lease losses | $130,000 | 4,479 |
| Total noninterest income | $1,710,000 | 2,453 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,089,000 | 1,610 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $621,000 | 2,923 |
| Total noninterest expense | $6,921,000 | 2,303 |
| Salaries and employee benefits | $4,020,000 | 2,156 |
| Premises and equipment expense | $899,000 | 2,520 |
| Additional noninterest expense | $2,002,000 | 2,423 |
| Pre-tax net operating income | $4,663,000 | 1,801 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,540,000 | 1,571 |
| Income before extraordinary items | $3,123,000 | 2,005 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,123,000 | 2,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 1,828 |
| Cash dividends | $4,000,000 | 755 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,123,000 | 1,958 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,443,000 | 2,506 |
| Total interest expense | $1,144,000 | 4,431 |
| Net interest income | $7,299,000 | 2,073 |
| Provision for loan and lease losses | $70,000 | 4,912 |
| Total noninterest income | $1,264,000 | 2,484 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $795,000 | 1,662 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $469,000 | 2,909 |
| Total noninterest expense | $5,200,000 | 2,286 |
| Salaries and employee benefits | $3,040,000 | 2,141 |
| Premises and equipment expense | $661,000 | 2,560 |
| Additional noninterest expense | $1,499,000 | 2,393 |
| Pre-tax net operating income | $3,293,000 | 1,906 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,067,000 | 1,680 |
| Income before extraordinary items | $2,226,000 | 2,100 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,226,000 | 2,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,374 |
| Cash dividends | $4,000,000 | 547 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,226,000 | 2,049 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,455,000 | 2,563 |
| Total interest expense | $760,000 | 4,425 |
| Net interest income | $4,695,000 | 2,134 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $812,000 | 2,570 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $514,000 | 1,703 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $298,000 | 2,996 |
| Total noninterest expense | $3,428,000 | 2,318 |
| Salaries and employee benefits | $1,969,000 | 2,200 |
| Premises and equipment expense | $432,000 | 2,595 |
| Additional noninterest expense | $1,027,000 | 2,336 |
| Pre-tax net operating income | $2,049,000 | 2,010 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $653,000 | 1,800 |
| Income before extraordinary items | $1,396,000 | 2,209 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,396,000 | 2,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,097 |
| Cash dividends | $4,000,000 | 394 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,396,000 | 2,142 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,605,000 | 2,680 |
| Total interest expense | $382,000 | 4,455 |
| Net interest income | $2,223,000 | 2,254 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $421,000 | 2,448 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $260,000 | 1,640 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $161,000 | 2,816 |
| Total noninterest expense | $1,681,000 | 2,367 |
| Salaries and employee benefits | $953,000 | 2,290 |
| Premises and equipment expense | $212,000 | 2,664 |
| Additional noninterest expense | $516,000 | 2,294 |
| Pre-tax net operating income | $963,000 | 2,080 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $299,000 | 1,938 |
| Income before extraordinary items | $664,000 | 2,284 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $664,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 676 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $664,000 | 2,204 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,630,000 | 2,661 |
| Total interest expense | $1,723,000 | 4,485 |
| Net interest income | $8,907,000 | 2,172 |
| Provision for loan and lease losses | $20,000 | 7,057 |
| Total noninterest income | $1,715,000 | 2,579 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,034,000 | 1,662 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $681,000 | 3,018 |
| Total noninterest expense | $6,099,000 | 2,561 |
| Salaries and employee benefits | $3,489,000 | 2,411 |
| Premises and equipment expense | $768,000 | 2,856 |
| Additional noninterest expense | $1,842,000 | 2,588 |
| Pre-tax net operating income | $4,503,000 | 1,788 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,506,000 | 1,619 |
| Income before extraordinary items | $2,997,000 | 2,048 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,997,000 | 2,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 3,175 |
| Cash dividends | $1,500,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,997,000 | 1,951 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,040,000 | 2,677 |
| Total interest expense | $1,321,000 | 4,532 |
| Net interest income | $6,719,000 | 2,177 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $1,296,000 | 2,616 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $773,000 | 1,675 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $523,000 | 3,053 |
| Total noninterest expense | $4,671,000 | 2,523 |
| Salaries and employee benefits | $2,574,000 | 2,458 |
| Premises and equipment expense | $568,000 | 2,894 |
| Additional noninterest expense | $1,529,000 | 2,352 |
| Pre-tax net operating income | $3,324,000 | 1,873 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,115,000 | 1,696 |
| Income before extraordinary items | $2,209,000 | 2,135 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,209,000 | 2,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $1,500,000 | 1,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,209,000 | 2,029 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 2,758 |
| Total interest expense | $907,000 | 4,555 |
| Net interest income | $4,348,000 | 2,242 |
| Provision for loan and lease losses | $20,000 | 6,304 |
| Total noninterest income | $841,000 | 2,655 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $493,000 | 1,720 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $348,000 | 3,028 |
| Total noninterest expense | $2,996,000 | 2,603 |
| Salaries and employee benefits | $1,660,000 | 2,530 |
| Premises and equipment expense | $364,000 | 2,985 |
| Additional noninterest expense | $972,000 | 2,430 |
| Pre-tax net operating income | $2,173,000 | 1,902 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $728,000 | 1,760 |
| Income before extraordinary items | $1,445,000 | 2,177 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,445,000 | 2,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,131 |
| Cash dividends | $1,500,000 | 928 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,445,000 | 2,062 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,681,000 | 2,721 |
| Total interest expense | $465,000 | 4,574 |
| Net interest income | $2,216,000 | 2,195 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $404,000 | 2,655 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $232,000 | 1,759 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $172,000 | 2,971 |
| Total noninterest expense | $1,532,000 | 2,527 |
| Salaries and employee benefits | $844,000 | 2,496 |
| Premises and equipment expense | $181,000 | 3,001 |
| Additional noninterest expense | $507,000 | 2,303 |
| Pre-tax net operating income | $1,068,000 | 1,923 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $356,000 | 1,792 |
| Income before extraordinary items | $712,000 | 2,165 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $712,000 | 2,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,727 |
| Cash dividends | $500,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $712,000 | 2,049 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,594,000 | 2,866 |
| Total interest expense | $1,961,000 | 4,851 |
| Net interest income | $8,633,000 | 2,242 |
| Provision for loan and lease losses | $393,000 | 2,885 |
| Total noninterest income | $1,646,000 | 2,467 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $964,000 | 1,670 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $682,000 | 2,747 |
| Total noninterest expense | $5,737,000 | 2,578 |
| Salaries and employee benefits | $3,437,000 | 2,318 |
| Premises and equipment expense | $617,000 | 3,336 |
| Additional noninterest expense | $1,683,000 | 2,681 |
| Pre-tax net operating income | $4,149,000 | 1,927 |
| Securities gains (losses) | $-5,000 | 8,824 |
| Applicable income taxes | $1,319,000 | 1,824 |
| Income before extraordinary items | $2,825,000 | 2,113 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,825,000 | 2,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,007 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,828,400 | 2,041 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,119,000 | 3,034 |
| Total interest expense | $2,883,000 | 4,876 |
| Net interest income | $8,236,000 | 2,176 |
| Provision for loan and lease losses | $342,000 | 2,951 |
| Total noninterest income | $1,309,000 | 2,760 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $930,000 | 1,615 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $379,000 | 3,650 |
| Total noninterest expense | $5,188,000 | 2,736 |
| Salaries and employee benefits | $3,144,000 | 2,388 |
| Premises and equipment expense | $585,000 | 3,435 |
| Additional noninterest expense | $1,459,000 | 2,942 |
| Pre-tax net operating income | $4,015,000 | 1,774 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,395,000 | 1,606 |
| Income before extraordinary items | $2,620,000 | 1,999 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,620,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,258 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,620,000 | 1,920 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,885,000 | 3,166 |
| Total interest expense | $3,015,000 | 4,905 |
| Net interest income | $7,870,000 | 2,261 |
| Provision for loan and lease losses | $335,000 | 2,649 |
| Total noninterest income | $989,000 | 3,155 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $692,000 | 2,000 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $297,000 | 3,944 |
| Total noninterest expense | $5,016,000 | 2,713 |
| Salaries and employee benefits | $2,636,000 | 2,703 |
| Premises and equipment expense | $606,000 | 3,246 |
| Additional noninterest expense | $1,774,000 | 2,417 |
| Pre-tax net operating income | $3,508,000 | 2,075 |
| Securities gains (losses) | $-97,000 | 9,403 |
| Applicable income taxes | $1,179,000 | 1,850 |
| Income before extraordinary items | $2,232,000 | 2,306 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,232,000 | 2,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 9,516 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $-186,000 | 9,800 |
| Net operating income | $2,295,050 | 2,258 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,220,000 | 3,459 |
| Total interest expense | $2,521,000 | 5,170 |
| Net interest income | $6,699,000 | 2,614 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $941,000 | 3,230 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $655,000 | 2,028 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $286,000 | 4,120 |
| Total noninterest expense | $4,614,000 | 2,920 |
| Salaries and employee benefits | $2,205,000 | 3,139 |
| Premises and equipment expense | $556,000 | 3,462 |
| Additional noninterest expense | $1,853,000 | 2,356 |
| Pre-tax net operating income | $2,786,000 | 2,560 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $976,000 | 2,254 |
| Income before extraordinary items | $1,810,000 | 2,794 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,810,000 | 2,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $7,000 | 7,064 |
| Sale, conversion, retirement of capital stock, net | $-248,000 | 10,127 |
| Net operating income | $1,810,000 | 2,757 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,538,000 | 3,699 |
| Total interest expense | $2,551,000 | 5,288 |
| Net interest income | $5,987,000 | 2,881 |
| Provision for loan and lease losses | $335,000 | 2,383 |
| Total noninterest income | $861,000 | 3,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $607,000 | 2,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $254,000 | 4,388 |
| Total noninterest expense | $4,100,000 | 3,150 |
| Salaries and employee benefits | $1,971,000 | 3,391 |
| Premises and equipment expense | $529,000 | 3,533 |
| Additional noninterest expense | $1,600,000 | 2,631 |
| Pre-tax net operating income | $2,413,000 | 2,868 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $843,000 | 2,611 |
| Income before extraordinary items | $1,587,000 | 3,110 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,587,000 | 3,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,524 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,575,950 | 3,039 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,750,000 | 4,084 |
| Total interest expense | $2,469,000 | 5,464 |
| Net interest income | $5,281,000 | 3,300 |
| Provision for loan and lease losses | $295,000 | 2,666 |
| Total noninterest income | $727,000 | 3,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $519,000 | 2,535 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 4,862 |
| Total noninterest expense | $3,518,000 | 3,590 |
| Salaries and employee benefits | $1,674,000 | 3,883 |
| Premises and equipment expense | $517,000 | 3,600 |
| Additional noninterest expense | $1,327,000 | 3,049 |
| Pre-tax net operating income | $2,195,000 | 3,250 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $789,000 | 2,959 |
| Income before extraordinary items | $1,414,000 | 3,537 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,414,000 | 3,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,135 |
| Cash dividends | $12,000 | 7,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,408,880 | 3,477 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,599,000 | 4,810 |
| Total interest expense | $2,032,000 | 6,352 |
| Net interest income | $4,567,000 | 3,850 |
| Provision for loan and lease losses | $184,000 | 3,596 |
| Total noninterest income | $621,000 | 4,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $413,000 | 3,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,053 |
| Total noninterest expense | $3,184,000 | 4,104 |
| Salaries and employee benefits | $1,479,000 | 4,366 |
| Premises and equipment expense | $468,000 | 3,984 |
| Additional noninterest expense | $1,237,000 | 3,689 |
| Pre-tax net operating income | $1,820,000 | 3,682 |
| Securities gains (losses) | $22,000 | 1,932 |
| Applicable income taxes | $672,000 | 3,271 |
| Income before extraordinary items | $1,170,000 | 3,952 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,170,000 | 3,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,393 |
| Cash dividends | $6,000 | 8,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,155,920 | 3,944 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,817,000 | 5,331 |
| Total interest expense | $1,687,000 | 7,165 |
| Net interest income | $4,130,000 | 4,205 |
| Provision for loan and lease losses | $190,000 | 3,120 |
| Total noninterest income | $516,000 | 5,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $361,000 | 3,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 5,887 |
| Total noninterest expense | $2,930,000 | 4,381 |
| Salaries and employee benefits | $1,331,000 | 4,780 |
| Premises and equipment expense | $410,000 | 4,442 |
| Additional noninterest expense | $1,189,000 | 3,768 |
| Pre-tax net operating income | $1,526,000 | 4,394 |
| Securities gains (losses) | $-17,000 | 10,458 |
| Applicable income taxes | $533,000 | 3,996 |
| Income before extraordinary items | $976,000 | 4,698 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $976,000 | 4,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,709 |
| Cash dividends | $13,000 | 8,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $987,050 | 4,642 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,762,000 | 5,884 |
| Total interest expense | $1,276,000 | 7,635 |
| Net interest income | $3,486,000 | 4,959 |
| Provision for loan and lease losses | $250,000 | 2,585 |
| Total noninterest income | $430,000 | 5,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $343,000 | 3,908 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,945 |
| Total noninterest expense | $2,607,000 | 4,969 |
| Salaries and employee benefits | $1,112,000 | 5,594 |
| Premises and equipment expense | $349,000 | 5,092 |
| Additional noninterest expense | $1,146,000 | 4,222 |
| Pre-tax net operating income | $1,059,000 | 5,723 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $382,000 | 4,925 |
| Income before extraordinary items | $677,000 | 6,042 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $677,000 | 6,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,341 |
| Cash dividends | $5,000 | 8,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $677,000 | 6,120 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,183,000 | 6,656 |
| Total interest expense | $1,250,000 | 8,081 |
| Net interest income | $2,933,000 | 5,757 |
| Provision for loan and lease losses | $329,000 | 2,811 |
| Total noninterest income | $419,000 | 6,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 4,223 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,802 |
| Total noninterest expense | $2,261,000 | 5,739 |
| Salaries and employee benefits | $1,001,000 | 6,130 |
| Premises and equipment expense | $318,000 | 5,587 |
| Additional noninterest expense | $942,000 | 5,179 |
| Pre-tax net operating income | $762,000 | 7,018 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $289,000 | 6,213 |
| Income before extraordinary items | $473,000 | 7,764 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $473,000 | 7,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,696 |
| Cash dividends | $4,000 | 9,023 |
| Sale, conversion, retirement of capital stock, net | $378,000 | 655 |
| Net operating income | $473,000 | 7,508 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,050,000 | 7,438 |
| Total interest expense | $1,441,000 | 8,695 |
| Net interest income | $2,609,000 | 6,388 |
| Provision for loan and lease losses | $334,000 | 3,890 |
| Total noninterest income | $349,000 | 7,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 9,018 |
| Total noninterest expense | $1,922,000 | 6,597 |
| Salaries and employee benefits | $798,000 | 7,270 |
| Premises and equipment expense | $301,000 | 5,952 |
| Additional noninterest expense | $823,000 | 5,931 |
| Pre-tax net operating income | $702,000 | 7,083 |
| Securities gains (losses) | $-8,000 | 13,215 |
| Applicable income taxes | $254,000 | 6,590 |
| Income before extraordinary items | $440,000 | 7,830 |
| Extraordinary gains, net | $17,000 | 1,262 |
| Net income | $457,000 | 7,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 5,509 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $445,120 | 7,425 |
* 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.