Home > Southern Bancorp Bank > Income and Expense
Southern Bancorp Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,113,000 | 3,812 |
| Total interest expense | $1,675,000 | 4,298 |
| Net interest income | $4,438,000 | 3,507 |
| Provision for loan and lease losses | $203,000 | 5,136 |
| Total noninterest income | $1,132,000 | 2,595 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $874,000 | 1,470 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $258,000 | 3,850 |
| Total noninterest expense | $4,483,000 | 3,189 |
| Salaries and employee benefits | $2,338,000 | 3,092 |
| Premises and equipment expense | $735,000 | 2,654 |
| Additional noninterest expense | $1,410,000 | 3,431 |
| Pre-tax net operating income | $884,000 | 2,950 |
| Securities gains (losses) | $68,000 | 2,099 |
| Applicable income taxes | $225,000 | 2,206 |
| Income before extraordinary items | $727,000 | 3,051 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $727,000 | 3,049 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $727,000 | 3,052 |
| Net charge-offs | $385,000 | 3,394 |
| Cash dividends | $250,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $675,320 | 3,107 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,007,000 | 3,896 |
| Total interest expense | $1,175,000 | 4,308 |
| Net interest income | $2,832,000 | 3,620 |
| Provision for loan and lease losses | $119,000 | 5,143 |
| Total noninterest income | $714,000 | 2,710 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $554,000 | 1,511 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $160,000 | 3,988 |
| Total noninterest expense | $3,028,000 | 3,196 |
| Salaries and employee benefits | $1,568,000 | 3,113 |
| Premises and equipment expense | $490,000 | 2,686 |
| Additional noninterest expense | $970,000 | 3,363 |
| Pre-tax net operating income | $399,000 | 3,690 |
| Securities gains (losses) | $68,000 | 1,716 |
| Applicable income taxes | $95,000 | 2,669 |
| Income before extraordinary items | $372,000 | 3,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $372,000 | 3,605 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $372,000 | 3,606 |
| Net charge-offs | $320,000 | 2,859 |
| Cash dividends | $250,000 | 2,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $317,600 | 3,761 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,987,000 | 3,966 |
| Total interest expense | $622,000 | 4,269 |
| Net interest income | $1,365,000 | 3,713 |
| Provision for loan and lease losses | $60,000 | 4,614 |
| Total noninterest income | $341,000 | 2,784 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $260,000 | 1,561 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $81,000 | 3,986 |
| Total noninterest expense | $1,502,000 | 3,147 |
| Salaries and employee benefits | $804,000 | 3,089 |
| Premises and equipment expense | $248,000 | 2,690 |
| Additional noninterest expense | $450,000 | 3,270 |
| Pre-tax net operating income | $144,000 | 4,575 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $15,000 | 3,758 |
| Income before extraordinary items | $129,000 | 4,587 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $129,000 | 4,591 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $129,000 | 4,591 |
| Net charge-offs | $150,000 | 2,414 |
| Cash dividends | $250,000 | 1,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $129,000 | 4,420 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,162,000 | 3,756 |
| Total interest expense | $3,572,000 | 3,798 |
| Net interest income | $5,590,000 | 3,656 |
| Provision for loan and lease losses | $309,000 | 4,577 |
| Total noninterest income | $1,593,000 | 2,516 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,245,000 | 1,444 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $348,000 | 3,837 |
| Total noninterest expense | $5,704,000 | 3,223 |
| Salaries and employee benefits | $2,727,000 | 3,527 |
| Premises and equipment expense | $1,010,000 | 2,605 |
| Additional noninterest expense | $1,967,000 | 2,908 |
| Pre-tax net operating income | $1,170,000 | 3,460 |
| Securities gains (losses) | $10,000 | 2,511 |
| Applicable income taxes | $285,000 | 2,461 |
| Income before extraordinary items | $895,000 | 3,498 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $895,000 | 3,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 3,686 |
| Cash dividends | $3,600,000 | 768 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $887,400 | 3,660 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,925,000 | 3,798 |
| Total interest expense | $2,808,000 | 3,787 |
| Net interest income | $4,117,000 | 3,730 |
| Provision for loan and lease losses | $234,000 | 3,949 |
| Total noninterest income | $1,207,000 | 2,575 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $928,000 | 1,458 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $279,000 | 3,802 |
| Total noninterest expense | $4,217,000 | 3,245 |
| Salaries and employee benefits | $2,000,000 | 3,614 |
| Premises and equipment expense | $743,000 | 2,664 |
| Additional noninterest expense | $1,474,000 | 2,812 |
| Pre-tax net operating income | $873,000 | 3,938 |
| Securities gains (losses) | $10,000 | 2,365 |
| Applicable income taxes | $205,000 | 2,885 |
| Income before extraordinary items | $678,000 | 3,882 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $678,000 | 3,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,131 |
| Cash dividends | $3,300,000 | 655 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $670,300 | 4,062 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,628,000 | 3,848 |
| Total interest expense | $1,921,000 | 3,845 |
| Net interest income | $2,707,000 | 3,769 |
| Provision for loan and lease losses | $159,000 | 3,527 |
| Total noninterest income | $731,000 | 2,768 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $600,000 | 1,486 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $131,000 | 4,538 |
| Total noninterest expense | $2,695,000 | 3,364 |
| Salaries and employee benefits | $1,301,000 | 3,722 |
| Premises and equipment expense | $480,000 | 2,732 |
| Additional noninterest expense | $914,000 | 2,974 |
| Pre-tax net operating income | $584,000 | 4,077 |
| Securities gains (losses) | $23,000 | 1,954 |
| Applicable income taxes | $156,000 | 2,969 |
| Income before extraordinary items | $451,000 | 4,233 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $451,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,143 |
| Cash dividends | $3,300,000 | 509 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $433,980 | 4,252 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,326,000 | 3,912 |
| Total interest expense | $1,027,000 | 3,838 |
| Net interest income | $1,299,000 | 3,876 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $342,000 | 2,866 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $276,000 | 1,586 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $66,000 | 4,521 |
| Total noninterest expense | $1,302,000 | 3,474 |
| Salaries and employee benefits | $640,000 | 3,786 |
| Premises and equipment expense | $232,000 | 2,828 |
| Additional noninterest expense | $430,000 | 3,093 |
| Pre-tax net operating income | $264,000 | 4,428 |
| Securities gains (losses) | $23,000 | 1,519 |
| Applicable income taxes | $68,000 | 3,248 |
| Income before extraordinary items | $219,000 | 4,485 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $219,000 | 4,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,454 |
| Cash dividends | $3,300,000 | 271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $201,520 | 4,555 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,787,000 | 4,108 |
| Total interest expense | $4,056,000 | 3,979 |
| Net interest income | $4,731,000 | 4,161 |
| Provision for loan and lease losses | $249,000 | 3,525 |
| Total noninterest income | $2,045,000 | 2,176 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,213,000 | 1,480 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $832,000 | 2,510 |
| Total noninterest expense | $4,869,000 | 3,517 |
| Salaries and employee benefits | $2,377,000 | 3,867 |
| Premises and equipment expense | $892,000 | 2,824 |
| Additional noninterest expense | $1,600,000 | 3,244 |
| Pre-tax net operating income | $1,658,000 | 3,714 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $479,000 | 2,795 |
| Income before extraordinary items | $1,179,000 | 3,972 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,179,000 | 3,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,997 |
| Cash dividends | $800,000 | 2,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,179,000 | 3,971 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,476,000 | 4,175 |
| Total interest expense | $2,946,000 | 4,068 |
| Net interest income | $3,530,000 | 4,195 |
| Provision for loan and lease losses | $91,000 | 4,243 |
| Total noninterest income | $1,633,000 | 2,083 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $888,000 | 1,483 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $745,000 | 2,221 |
| Total noninterest expense | $3,527,000 | 3,597 |
| Salaries and employee benefits | $1,723,000 | 3,948 |
| Premises and equipment expense | $673,000 | 2,793 |
| Additional noninterest expense | $1,131,000 | 3,342 |
| Pre-tax net operating income | $1,545,000 | 3,413 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $467,000 | 2,614 |
| Income before extraordinary items | $1,078,000 | 3,709 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,078,000 | 3,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,374 |
| Cash dividends | $400,000 | 3,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,078,000 | 3,695 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,237,000 | 4,241 |
| Total interest expense | $1,922,000 | 4,121 |
| Net interest income | $2,315,000 | 4,272 |
| Provision for loan and lease losses | $45,000 | 4,495 |
| Total noninterest income | $758,000 | 2,687 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $570,000 | 1,540 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $188,000 | 3,899 |
| Total noninterest expense | $2,286,000 | 3,718 |
| Salaries and employee benefits | $1,084,000 | 4,155 |
| Premises and equipment expense | $438,000 | 2,877 |
| Additional noninterest expense | $764,000 | 3,320 |
| Pre-tax net operating income | $742,000 | 4,187 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $194,000 | 3,318 |
| Income before extraordinary items | $548,000 | 4,349 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $548,000 | 4,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 1,815 |
| Cash dividends | $400,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $548,000 | 4,347 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,071,000 | 4,304 |
| Total interest expense | $969,000 | 4,091 |
| Net interest income | $1,102,000 | 4,411 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $387,000 | 2,621 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $260,000 | 1,656 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $127,000 | 3,312 |
| Total noninterest expense | $1,121,000 | 3,775 |
| Salaries and employee benefits | $515,000 | 4,339 |
| Premises and equipment expense | $219,000 | 2,892 |
| Additional noninterest expense | $387,000 | 3,261 |
| Pre-tax net operating income | $368,000 | 4,196 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $90,000 | 3,414 |
| Income before extraordinary items | $278,000 | 4,342 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $278,000 | 4,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,253 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $278,000 | 4,321 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,221,000 | 4,483 |
| Total interest expense | $3,331,000 | 4,050 |
| Net interest income | $3,890,000 | 4,737 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,593,000 | 2,601 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,261,000 | 1,419 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $332,000 | 4,107 |
| Total noninterest expense | $4,401,000 | 3,688 |
| Salaries and employee benefits | $2,043,000 | 4,198 |
| Premises and equipment expense | $814,000 | 2,964 |
| Additional noninterest expense | $1,544,000 | 3,225 |
| Pre-tax net operating income | $1,082,000 | 5,013 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $241,000 | 4,080 |
| Income before extraordinary items | $841,000 | 5,102 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $841,000 | 5,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,898 |
| Cash dividends | $450,000 | 3,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $841,000 | 5,094 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,224,000 | 4,571 |
| Total interest expense | $2,348,000 | 4,131 |
| Net interest income | $2,876,000 | 4,825 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,192,000 | 2,612 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $964,000 | 1,396 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $228,000 | 4,263 |
| Total noninterest expense | $3,330,000 | 3,666 |
| Salaries and employee benefits | $1,625,000 | 4,014 |
| Premises and equipment expense | $593,000 | 3,037 |
| Additional noninterest expense | $1,112,000 | 3,325 |
| Pre-tax net operating income | $738,000 | 5,394 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $142,000 | 4,527 |
| Income before extraordinary items | $596,000 | 5,371 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $596,000 | 5,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,183 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $596,000 | 5,366 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,273,000 | 4,699 |
| Total interest expense | $1,385,000 | 4,321 |
| Net interest income | $1,888,000 | 4,884 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $747,000 | 2,717 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $619,000 | 1,440 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $128,000 | 4,615 |
| Total noninterest expense | $2,221,000 | 3,675 |
| Salaries and employee benefits | $1,110,000 | 3,968 |
| Premises and equipment expense | $375,000 | 3,152 |
| Additional noninterest expense | $736,000 | 3,340 |
| Pre-tax net operating income | $414,000 | 5,829 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $62,000 | 5,032 |
| Income before extraordinary items | $352,000 | 5,675 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $352,000 | 5,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,602 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $352,000 | 5,674 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,516,000 | 4,869 |
| Total interest expense | $601,000 | 4,573 |
| Net interest income | $915,000 | 4,976 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $346,000 | 2,811 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $290,000 | 1,468 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,890 |
| Total noninterest expense | $1,095,000 | 3,741 |
| Salaries and employee benefits | $568,000 | 3,910 |
| Premises and equipment expense | $188,000 | 3,161 |
| Additional noninterest expense | $339,000 | 3,531 |
| Pre-tax net operating income | $166,000 | 6,213 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $14,000 | 5,578 |
| Income before extraordinary items | $152,000 | 5,939 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $152,000 | 5,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $152,000 | 5,936 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,788,000 | 4,701 |
| Total interest expense | $2,162,000 | 4,212 |
| Net interest income | $3,626,000 | 4,912 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,447,000 | 2,748 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,236,000 | 1,414 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $211,000 | 5,056 |
| Total noninterest expense | $4,235,000 | 3,701 |
| Salaries and employee benefits | $2,174,000 | 3,882 |
| Premises and equipment expense | $683,000 | 3,303 |
| Additional noninterest expense | $1,378,000 | 3,459 |
| Pre-tax net operating income | $838,000 | 5,774 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $113,000 | 5,276 |
| Income before extraordinary items | $725,000 | 5,595 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $725,000 | 5,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,747 |
| Cash dividends | $117,000 | 5,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $725,000 | 5,563 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,301,000 | 4,694 |
| Total interest expense | $1,535,000 | 4,217 |
| Net interest income | $2,766,000 | 4,879 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,059,000 | 2,790 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $901,000 | 1,438 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $158,000 | 5,100 |
| Total noninterest expense | $3,248,000 | 3,614 |
| Salaries and employee benefits | $1,720,000 | 3,709 |
| Premises and equipment expense | $507,000 | 3,322 |
| Additional noninterest expense | $1,021,000 | 3,451 |
| Pre-tax net operating income | $577,000 | 6,107 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $59,000 | 5,676 |
| Income before extraordinary items | $518,000 | 5,812 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $518,000 | 5,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $518,000 | 5,783 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,789,000 | 4,728 |
| Total interest expense | $939,000 | 4,320 |
| Net interest income | $1,850,000 | 4,860 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $673,000 | 2,850 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $562,000 | 1,500 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $111,000 | 4,976 |
| Total noninterest expense | $2,212,000 | 3,531 |
| Salaries and employee benefits | $1,180,000 | 3,605 |
| Premises and equipment expense | $337,000 | 3,292 |
| Additional noninterest expense | $695,000 | 3,382 |
| Pre-tax net operating income | $311,000 | 6,524 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $13,000 | 6,301 |
| Income before extraordinary items | $299,000 | 6,129 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $299,000 | 6,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $298,040 | 6,087 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,372,000 | 4,759 |
| Total interest expense | $432,000 | 4,441 |
| Net interest income | $940,000 | 4,823 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $323,000 | 2,884 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $261,000 | 1,557 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $62,000 | 4,706 |
| Total noninterest expense | $1,089,000 | 3,598 |
| Salaries and employee benefits | $589,000 | 3,618 |
| Premises and equipment expense | $170,000 | 3,306 |
| Additional noninterest expense | $330,000 | 3,527 |
| Pre-tax net operating income | $174,000 | 6,269 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $10,000 | 6,081 |
| Income before extraordinary items | $164,000 | 5,905 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $164,000 | 5,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $164,000 | 5,867 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,108,000 | 5,470 |
| Total interest expense | $1,109,000 | 5,361 |
| Net interest income | $2,999,000 | 5,416 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $998,000 | 3,557 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $769,000 | 2,215 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $229,000 | 4,815 |
| Total noninterest expense | $3,083,000 | 4,577 |
| Salaries and employee benefits | $1,600,000 | 4,731 |
| Premises and equipment expense | $439,000 | 4,488 |
| Additional noninterest expense | $1,044,000 | 4,195 |
| Pre-tax net operating income | $890,000 | 5,521 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $171,000 | 4,937 |
| Income before extraordinary items | $721,000 | 5,511 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $721,000 | 5,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,948 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $719,380 | 5,433 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 5,857 |
| Total interest expense | $692,000 | 5,867 |
| Net interest income | $2,027,000 | 5,753 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $688,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $510,000 | 2,451 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $178,000 | 4,744 |
| Total noninterest expense | $1,976,000 | 5,077 |
| Salaries and employee benefits | $1,046,000 | 5,154 |
| Premises and equipment expense | $279,000 | 4,993 |
| Additional noninterest expense | $651,000 | 4,779 |
| Pre-tax net operating income | $721,000 | 5,449 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $160,000 | 4,756 |
| Income before extraordinary items | $561,000 | 5,534 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $561,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,250 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $561,000 | 5,464 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,325,000 | 6,803 |
| Total interest expense | $271,000 | 7,200 |
| Net interest income | $1,054,000 | 6,518 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $389,000 | 4,157 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $250,000 | 3,153 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $139,000 | 4,459 |
| Total noninterest expense | $1,052,000 | 5,850 |
| Salaries and employee benefits | $539,000 | 6,029 |
| Premises and equipment expense | $147,000 | 5,726 |
| Additional noninterest expense | $366,000 | 5,374 |
| Pre-tax net operating income | $379,000 | 5,989 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $80,000 | 5,115 |
| Income before extraordinary items | $299,000 | 6,047 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $299,000 | 6,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,035 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $299,000 | 5,963 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $605,000 | 7,049 |
| Total interest expense | $125,000 | 7,440 |
| Net interest income | $480,000 | 6,796 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $238,000 | 3,637 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $119,000 | 3,168 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $119,000 | 3,364 |
| Total noninterest expense | $525,000 | 5,890 |
| Salaries and employee benefits | $271,000 | 6,068 |
| Premises and equipment expense | $71,000 | 5,842 |
| Additional noninterest expense | $183,000 | 5,379 |
| Pre-tax net operating income | $187,000 | 5,983 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $43,000 | 5,036 |
| Income before extraordinary items | $144,000 | 6,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $144,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,046 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $144,000 | 5,993 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,706,000 | 6,837 |
| Total interest expense | $693,000 | 7,062 |
| Net interest income | $2,013,000 | 6,580 |
| Provision for loan and lease losses | $24,000 | 6,956 |
| Total noninterest income | $1,035,000 | 3,654 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $545,000 | 2,897 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $490,000 | 3,617 |
| Total noninterest expense | $2,104,000 | 5,822 |
| Salaries and employee benefits | $1,061,000 | 6,053 |
| Premises and equipment expense | $286,000 | 5,806 |
| Additional noninterest expense | $757,000 | 5,236 |
| Pre-tax net operating income | $920,000 | 5,375 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $251,000 | 4,576 |
| Income before extraordinary items | $670,000 | 5,708 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $670,000 | 5,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,824 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $669,270 | 5,536 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,053,000 | 6,880 |
| Total interest expense | $550,000 | 7,078 |
| Net interest income | $1,503,000 | 6,627 |
| Provision for loan and lease losses | $17,000 | 6,906 |
| Total noninterest income | $570,000 | 4,386 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $412,000 | 2,896 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $158,000 | 5,235 |
| Total noninterest expense | $1,590,000 | 5,781 |
| Salaries and employee benefits | $806,000 | 5,990 |
| Premises and equipment expense | $194,000 | 6,081 |
| Additional noninterest expense | $590,000 | 5,072 |
| Pre-tax net operating income | $466,000 | 6,433 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $106,000 | 5,510 |
| Income before extraordinary items | $360,000 | 6,592 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $360,000 | 6,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $360,000 | 6,419 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,349,000 | 6,964 |
| Total interest expense | $388,000 | 7,051 |
| Net interest income | $961,000 | 6,762 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $373,000 | 4,415 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $255,000 | 3,019 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $118,000 | 5,021 |
| Total noninterest expense | $1,024,000 | 5,915 |
| Salaries and employee benefits | $534,000 | 6,017 |
| Premises and equipment expense | $122,000 | 6,222 |
| Additional noninterest expense | $368,000 | 5,299 |
| Pre-tax net operating income | $298,000 | 6,512 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $71,000 | 5,543 |
| Income before extraordinary items | $227,000 | 6,726 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $227,000 | 6,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,353 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $227,000 | 6,524 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $670,000 | 7,026 |
| Total interest expense | $204,000 | 7,023 |
| Net interest income | $466,000 | 6,856 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $206,000 | 4,084 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $113,000 | 3,234 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $93,000 | 4,068 |
| Total noninterest expense | $502,000 | 5,986 |
| Salaries and employee benefits | $263,000 | 6,080 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $180,000 | 5,349 |
| Pre-tax net operating income | $164,000 | 6,288 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $41,000 | 5,361 |
| Income before extraordinary items | $123,000 | 6,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $123,000 | 6,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $123,000 | 6,332 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,894,000 | 6,965 |
| Total interest expense | $1,076,000 | 6,735 |
| Net interest income | $1,818,000 | 6,922 |
| Provision for loan and lease losses | $119,000 | 5,449 |
| Total noninterest income | $1,471,000 | 2,650 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $508,000 | 2,935 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $963,000 | 2,240 |
| Total noninterest expense | $1,942,000 | 5,971 |
| Salaries and employee benefits | $1,040,000 | 5,990 |
| Premises and equipment expense | $227,000 | 6,428 |
| Additional noninterest expense | $675,000 | 5,527 |
| Pre-tax net operating income | $1,228,000 | 4,640 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $355,000 | 4,124 |
| Income before extraordinary items | $873,000 | 4,959 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $873,000 | 4,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,669 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $329,000 | 519 |
| Net operating income | $873,000 | 4,827 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,599,000 | 8,635 |
| Total interest expense | $662,000 | 8,698 |
| Net interest income | $937,000 | 8,410 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $117,000 | 8,275 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $96,000 | 6,650 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $21,000 | 8,695 |
| Total noninterest expense | $702,000 | 8,679 |
| Salaries and employee benefits | $440,000 | 8,456 |
| Premises and equipment expense | $109,000 | 8,166 |
| Additional noninterest expense | $153,000 | 9,032 |
| Pre-tax net operating income | $352,000 | 7,178 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $75,000 | 6,339 |
| Income before extraordinary items | $293,000 | 7,188 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $293,000 | 7,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,166 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $280,200 | 7,135 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,540,000 | 8,902 |
| Total interest expense | $721,000 | 8,820 |
| Net interest income | $819,000 | 8,855 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $110,000 | 8,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 6,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,087 |
| Total noninterest expense | $607,000 | 9,070 |
| Salaries and employee benefits | $363,000 | 8,935 |
| Premises and equipment expense | $110,000 | 8,272 |
| Additional noninterest expense | $134,000 | 9,381 |
| Pre-tax net operating income | $322,000 | 7,806 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $67,000 | 6,976 |
| Income before extraordinary items | $255,000 | 7,742 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $255,000 | 7,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $120,000 | 5,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $255,000 | 7,741 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,586,000 | 8,958 |
| Total interest expense | $694,000 | 8,961 |
| Net interest income | $892,000 | 8,859 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $110,000 | 8,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 6,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,339 |
| Total noninterest expense | $621,000 | 9,262 |
| Salaries and employee benefits | $354,000 | 9,169 |
| Premises and equipment expense | $134,000 | 7,956 |
| Additional noninterest expense | $133,000 | 9,674 |
| Pre-tax net operating income | $281,000 | 8,201 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $63,000 | 7,459 |
| Income before extraordinary items | $218,000 | 8,162 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $218,000 | 8,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,263 |
| Cash dividends | $112,000 | 5,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $218,000 | 8,134 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,610,000 | 9,149 |
| Total interest expense | $718,000 | 9,159 |
| Net interest income | $892,000 | 9,041 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $116,000 | 8,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 6,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,437 |
| Total noninterest expense | $611,000 | 9,388 |
| Salaries and employee benefits | $351,000 | 9,290 |
| Premises and equipment expense | $125,000 | 8,162 |
| Additional noninterest expense | $135,000 | 9,800 |
| Pre-tax net operating income | $397,000 | 7,895 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $103,000 | 7,481 |
| Income before extraordinary items | $294,000 | 7,935 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $294,000 | 7,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,482 |
| Cash dividends | $112,000 | 6,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $294,000 | 7,852 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,566,000 | 9,590 |
| Total interest expense | $682,000 | 9,590 |
| Net interest income | $884,000 | 9,467 |
| Provision for loan and lease losses | $61,000 | 6,142 |
| Total noninterest income | $119,000 | 9,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $596,000 | 9,764 |
| Salaries and employee benefits | $346,000 | 9,628 |
| Premises and equipment expense | $124,000 | 8,390 |
| Additional noninterest expense | $127,000 | 10,259 |
| Pre-tax net operating income | $346,000 | 8,746 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $95,000 | 8,486 |
| Income before extraordinary items | $251,000 | 8,746 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $251,000 | 8,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,783 |
| Cash dividends | $112,000 | 6,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $251,000 | 8,707 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,496,000 | 10,117 |
| Total interest expense | $624,000 | 10,197 |
| Net interest income | $872,000 | 9,904 |
| Provision for loan and lease losses | $42,000 | 6,906 |
| Total noninterest income | $118,000 | 9,560 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 7,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 10,521 |
| Total noninterest expense | $632,000 | 10,057 |
| Salaries and employee benefits | $355,000 | 9,922 |
| Premises and equipment expense | $129,000 | 8,550 |
| Additional noninterest expense | $148,000 | 10,565 |
| Pre-tax net operating income | $316,000 | 9,022 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $84,000 | 9,042 |
| Income before extraordinary items | $232,000 | 8,981 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $232,000 | 8,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $112,000 | 6,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $232,000 | 8,926 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,451,000 | 10,612 |
| Total interest expense | $602,000 | 10,655 |
| Net interest income | $849,000 | 10,388 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $118,000 | 9,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $628,000 | 10,457 |
| Salaries and employee benefits | $344,000 | 10,380 |
| Premises and equipment expense | $137,000 | 8,597 |
| Additional noninterest expense | $147,000 | 11,084 |
| Pre-tax net operating income | $309,000 | 9,681 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $85,000 | 9,494 |
| Income before extraordinary items | $224,000 | 9,675 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $224,000 | 9,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,995 |
| Cash dividends | $112,000 | 6,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $224,000 | 9,643 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,219,000 | 11,310 |
| Total interest expense | $431,000 | 11,434 |
| Net interest income | $788,000 | 11,090 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $127,000 | 10,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 7,844 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $641,000 | 10,937 |
| Salaries and employee benefits | $317,000 | 11,049 |
| Premises and equipment expense | $147,000 | 8,631 |
| Additional noninterest expense | $177,000 | 11,439 |
| Pre-tax net operating income | $254,000 | 10,457 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $71,000 | 10,001 |
| Income before extraordinary items | $183,000 | 10,464 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $183,000 | 10,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $96,000 | 7,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $183,000 | 10,511 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,111,000 | 12,067 |
| Total interest expense | $399,000 | 12,231 |
| Net interest income | $712,000 | 11,826 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $141,000 | 10,393 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,832 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 11,957 |
| Total noninterest expense | $615,000 | 11,571 |
| Salaries and employee benefits | $294,000 | 11,717 |
| Premises and equipment expense | $147,000 | 8,987 |
| Additional noninterest expense | $174,000 | 12,102 |
| Pre-tax net operating income | $238,000 | 10,713 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $42,000 | 11,116 |
| Income before extraordinary items | $196,000 | 10,705 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $196,000 | 10,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $96,000 | 7,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $196,000 | 10,483 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,139,000 | 12,746 |
| Total interest expense | $494,000 | 12,785 |
| Net interest income | $645,000 | 12,544 |
| Provision for loan and lease losses | $44,000 | 9,347 |
| Total noninterest income | $146,000 | 10,574 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 7,877 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $571,000 | 12,247 |
| Salaries and employee benefits | $269,000 | 12,371 |
| Premises and equipment expense | $117,000 | 10,138 |
| Additional noninterest expense | $185,000 | 12,456 |
| Pre-tax net operating income | $176,000 | 11,290 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $24,000 | 11,995 |
| Income before extraordinary items | $152,000 | 11,242 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $152,000 | 11,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 8,793 |
| Cash dividends | $96,000 | 6,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $152,000 | 10,908 |
* 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.