Home > Sterling Bank > Income and Expense
Sterling Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,779,000 | 1,404 |
| Total interest expense | $978,000 | 2,299 |
| Net interest income | $4,801,000 | 1,187 |
| Provision for loan and lease losses | $2,167,000 | 707 |
| Total noninterest income | $612,000 | 1,757 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $400,000 | 985 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $212,000 | 2,307 |
| Total noninterest expense | $2,657,000 | 1,873 |
| Salaries and employee benefits | $1,199,000 | 2,050 |
| Premises and equipment expense | $179,000 | 3,404 |
| Additional noninterest expense | $1,279,000 | 1,394 |
| Pre-tax net operating income | $589,000 | 2,125 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $249,000 | 1,209 |
| Income before extraordinary items | $340,000 | 2,885 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $342,000 | 2,870 |
| Minority interest net income | $-2,000 | 7,908 |
| Net income of bank and minority interests. | $340,000 | 2,885 |
| Net charge-offs | $1,760,000 | 706 |
| Cash dividends | $3,000,000 | 108 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 357 |
| Net operating income | $340,000 | 2,771 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,696,000 | 1,334 |
| Total interest expense | $6,508,000 | 1,791 |
| Net interest income | $19,188,000 | 1,152 |
| Provision for loan and lease losses | $8,637,000 | 974 |
| Total noninterest income | $2,099,000 | 2,054 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,813,000 | 957 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $286,000 | 4,046 |
| Total noninterest expense | $12,274,000 | 1,663 |
| Salaries and employee benefits | $4,445,000 | 2,211 |
| Premises and equipment expense | $766,000 | 3,245 |
| Additional noninterest expense | $7,063,000 | 1,104 |
| Pre-tax net operating income | $376,000 | 4,310 |
| Securities gains (losses) | $552,000 | 821 |
| Applicable income taxes | $314,000 | 1,987 |
| Income before extraordinary items | $614,000 | 3,562 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,423,000 | 2,194 |
| Minority interest net income | $-809,000 | 8,006 |
| Net income of bank and minority interests. | $614,000 | 3,561 |
| Net charge-offs | $6,882,000 | 909 |
| Cash dividends | $2,890,000 | 615 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 1,053 |
| Net operating income | $249,680 | 4,570 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $19,233,000 | 1,363 |
| Total interest expense | $5,367,000 | 1,726 |
| Net interest income | $13,866,000 | 1,206 |
| Provision for loan and lease losses | $7,125,000 | 806 |
| Total noninterest income | $1,075,000 | 2,690 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,370,000 | 947 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-295,000 | 7,909 |
| Total noninterest expense | $9,601,000 | 1,593 |
| Salaries and employee benefits | $3,305,000 | 2,256 |
| Premises and equipment expense | $578,000 | 3,262 |
| Additional noninterest expense | $5,718,000 | 987 |
| Pre-tax net operating income | $-1,785,000 | 6,967 |
| Securities gains (losses) | $552,000 | 646 |
| Applicable income taxes | $-566,000 | 7,380 |
| Income before extraordinary items | $-667,000 | 6,547 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $214,000 | 4,782 |
| Minority interest net income | $-881,000 | 8,095 |
| Net income of bank and minority interests. | $-667,000 | 6,548 |
| Net charge-offs | $6,099,000 | 708 |
| Cash dividends | $690,000 | 1,645 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 970 |
| Net operating income | $-1,020,280 | 6,755 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,956,000 | 1,378 |
| Total interest expense | $4,045,000 | 1,609 |
| Net interest income | $8,911,000 | 1,246 |
| Provision for loan and lease losses | $5,822,000 | 670 |
| Total noninterest income | $320,000 | 4,304 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $888,000 | 958 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-568,000 | 8,090 |
| Total noninterest expense | $6,941,000 | 1,497 |
| Salaries and employee benefits | $2,173,000 | 2,328 |
| Premises and equipment expense | $389,000 | 3,257 |
| Additional noninterest expense | $4,379,000 | 869 |
| Pre-tax net operating income | $-3,532,000 | 7,622 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,417,000 | 7,827 |
| Income before extraordinary items | $-2,115,000 | 7,506 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,266,000 | 7,258 |
| Minority interest net income | $-849,000 | 8,190 |
| Net income of bank and minority interests. | $-2,115,000 | 7,505 |
| Net charge-offs | $5,048,000 | 578 |
| Cash dividends | $690,000 | 1,279 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 817 |
| Net operating income | $-2,115,000 | 7,506 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,326,000 | 1,426 |
| Total interest expense | $2,302,000 | 1,498 |
| Net interest income | $4,024,000 | 1,370 |
| Provision for loan and lease losses | $3,153,000 | 545 |
| Total noninterest income | $676,000 | 1,735 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $438,000 | 941 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $238,000 | 2,260 |
| Total noninterest expense | $3,699,000 | 1,352 |
| Salaries and employee benefits | $1,015,000 | 2,516 |
| Premises and equipment expense | $201,000 | 3,215 |
| Additional noninterest expense | $2,483,000 | 684 |
| Pre-tax net operating income | $-2,152,000 | 7,850 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-874,000 | 7,973 |
| Income before extraordinary items | $-1,278,000 | 7,783 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-560,000 | 7,496 |
| Minority interest net income | $-718,000 | 8,243 |
| Net income of bank and minority interests. | $-1,278,000 | 7,784 |
| Net charge-offs | $2,571,000 | 512 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 726 |
| Net operating income | $-1,278,000 | 7,775 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $29,832,000 | 1,298 |
| Total interest expense | $9,932,000 | 1,627 |
| Net interest income | $19,900,000 | 1,096 |
| Provision for loan and lease losses | $6,755,000 | 806 |
| Total noninterest income | $3,514,000 | 1,399 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,761,000 | 1,017 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,753,000 | 1,432 |
| Total noninterest expense | $8,513,000 | 2,255 |
| Salaries and employee benefits | $4,381,000 | 2,315 |
| Premises and equipment expense | $770,000 | 3,271 |
| Additional noninterest expense | $3,362,000 | 1,823 |
| Pre-tax net operating income | $8,146,000 | 684 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $2,983,000 | 472 |
| Income before extraordinary items | $5,163,000 | 782 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,163,000 | 782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,304,000 | 659 |
| Cash dividends | $8,889,000 | 332 |
| Sale, conversion, retirement of capital stock, net | $101,000 | 972 |
| Net operating income | $5,163,000 | 846 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,944,000 | 1,284 |
| Total interest expense | $7,719,000 | 1,634 |
| Net interest income | $15,225,000 | 1,086 |
| Provision for loan and lease losses | $4,444,000 | 698 |
| Total noninterest income | $2,678,000 | 1,424 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,304,000 | 1,040 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,374,000 | 1,447 |
| Total noninterest expense | $6,456,000 | 2,213 |
| Salaries and employee benefits | $3,295,000 | 2,334 |
| Premises and equipment expense | $576,000 | 3,291 |
| Additional noninterest expense | $2,585,000 | 1,721 |
| Pre-tax net operating income | $7,003,000 | 715 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,561,000 | 523 |
| Income before extraordinary items | $4,442,000 | 826 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,442,000 | 825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $909,000 | 1,387 |
| Cash dividends | $6,311,000 | 362 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 854 |
| Net operating income | $4,442,000 | 877 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,677,000 | 1,266 |
| Total interest expense | $5,550,000 | 1,578 |
| Net interest income | $10,127,000 | 1,078 |
| Provision for loan and lease losses | $3,357,000 | 560 |
| Total noninterest income | $1,847,000 | 1,411 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $899,000 | 980 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $948,000 | 1,455 |
| Total noninterest expense | $4,410,000 | 2,174 |
| Salaries and employee benefits | $2,228,000 | 2,328 |
| Premises and equipment expense | $375,000 | 3,386 |
| Additional noninterest expense | $1,807,000 | 1,633 |
| Pre-tax net operating income | $4,207,000 | 840 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,531,000 | 648 |
| Income before extraordinary items | $2,676,000 | 1,025 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,676,000 | 1,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $528,000 | 1,263 |
| Cash dividends | $3,733,000 | 451 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 665 |
| Net operating income | $2,676,000 | 1,012 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,382,000 | 1,212 |
| Total interest expense | $3,393,000 | 1,387 |
| Net interest income | $4,989,000 | 1,095 |
| Provision for loan and lease losses | $85,000 | 2,985 |
| Total noninterest income | $856,000 | 1,489 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $476,000 | 909 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $380,000 | 1,691 |
| Total noninterest expense | $2,109,000 | 2,264 |
| Salaries and employee benefits | $1,155,000 | 2,275 |
| Premises and equipment expense | $184,000 | 3,438 |
| Additional noninterest expense | $770,000 | 1,830 |
| Pre-tax net operating income | $3,651,000 | 538 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,347,000 | 469 |
| Income before extraordinary items | $2,304,000 | 673 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,304,000 | 674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-118,000 | 8,427 |
| Cash dividends | $1,155,000 | 648 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 540 |
| Net operating income | $2,304,000 | 642 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $37,594,000 | 1,124 |
| Total interest expense | $16,826,000 | 1,179 |
| Net interest income | $20,768,000 | 1,066 |
| Provision for loan and lease losses | $-325,000 | 8,465 |
| Total noninterest income | $3,276,000 | 1,540 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,555,000 | 1,146 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,721,000 | 1,517 |
| Total noninterest expense | $8,078,000 | 2,270 |
| Salaries and employee benefits | $4,457,000 | 2,254 |
| Premises and equipment expense | $752,000 | 3,254 |
| Additional noninterest expense | $2,869,000 | 1,920 |
| Pre-tax net operating income | $16,291,000 | 547 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,165,000 | 464 |
| Income before extraordinary items | $10,126,000 | 642 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $10,126,000 | 641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 1,713 |
| Cash dividends | $3,714,000 | 988 |
| Sale, conversion, retirement of capital stock, net | $168,000 | 808 |
| Net operating income | $10,126,000 | 628 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $28,231,000 | 1,130 |
| Total interest expense | $12,821,000 | 1,156 |
| Net interest income | $15,410,000 | 1,082 |
| Provision for loan and lease losses | $-248,000 | 8,489 |
| Total noninterest income | $2,410,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,162,000 | 1,133 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,248,000 | 1,557 |
| Total noninterest expense | $6,119,000 | 2,219 |
| Salaries and employee benefits | $3,462,000 | 2,179 |
| Premises and equipment expense | $563,000 | 3,234 |
| Additional noninterest expense | $2,094,000 | 1,927 |
| Pre-tax net operating income | $11,949,000 | 594 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $4,446,000 | 510 |
| Income before extraordinary items | $7,503,000 | 705 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $7,503,000 | 703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,214 |
| Cash dividends | $2,940,000 | 898 |
| Sale, conversion, retirement of capital stock, net | $131,000 | 700 |
| Net operating income | $7,503,000 | 692 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $18,546,000 | 1,163 |
| Total interest expense | $8,394,000 | 1,184 |
| Net interest income | $10,152,000 | 1,110 |
| Provision for loan and lease losses | $-477,000 | 8,564 |
| Total noninterest income | $1,613,000 | 1,580 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $770,000 | 1,149 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $843,000 | 1,563 |
| Total noninterest expense | $4,066,000 | 2,242 |
| Salaries and employee benefits | $2,339,000 | 2,191 |
| Premises and equipment expense | $378,000 | 3,225 |
| Additional noninterest expense | $1,349,000 | 1,999 |
| Pre-tax net operating income | $8,176,000 | 613 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,040,000 | 529 |
| Income before extraordinary items | $5,136,000 | 708 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,136,000 | 707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,089 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 613 |
| Net operating income | $5,136,000 | 697 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,026,000 | 1,176 |
| Total interest expense | $4,042,000 | 1,219 |
| Net interest income | $4,984,000 | 1,118 |
| Provision for loan and lease losses | $25,000 | 4,116 |
| Total noninterest income | $813,000 | 1,562 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $371,000 | 1,158 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $442,000 | 1,491 |
| Total noninterest expense | $1,971,000 | 2,316 |
| Salaries and employee benefits | $1,161,000 | 2,217 |
| Premises and equipment expense | $186,000 | 3,305 |
| Additional noninterest expense | $624,000 | 2,104 |
| Pre-tax net operating income | $3,801,000 | 649 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,411,000 | 558 |
| Income before extraordinary items | $2,390,000 | 756 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,390,000 | 755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,338 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 462 |
| Net operating income | $2,390,000 | 747 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $33,208,000 | 1,181 |
| Total interest expense | $13,952,000 | 1,205 |
| Net interest income | $19,256,000 | 1,156 |
| Provision for loan and lease losses | $753,000 | 1,328 |
| Total noninterest income | $2,596,000 | 1,823 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,607,000 | 1,099 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $989,000 | 2,241 |
| Total noninterest expense | $7,000,000 | 2,515 |
| Salaries and employee benefits | $4,172,000 | 2,357 |
| Premises and equipment expense | $672,000 | 3,443 |
| Additional noninterest expense | $2,156,000 | 2,401 |
| Pre-tax net operating income | $14,099,000 | 719 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $5,213,000 | 616 |
| Income before extraordinary items | $8,886,000 | 837 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,886,000 | 836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,209 |
| Cash dividends | $4,167,000 | 839 |
| Sale, conversion, retirement of capital stock, net | $207,000 | 757 |
| Net operating income | $8,886,000 | 828 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $24,123,000 | 1,231 |
| Total interest expense | $9,893,000 | 1,244 |
| Net interest income | $14,230,000 | 1,190 |
| Provision for loan and lease losses | $513,000 | 1,364 |
| Total noninterest income | $1,881,000 | 1,892 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,245,000 | 1,067 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $636,000 | 2,481 |
| Total noninterest expense | $5,067,000 | 2,594 |
| Salaries and employee benefits | $2,974,000 | 2,457 |
| Premises and equipment expense | $505,000 | 3,445 |
| Additional noninterest expense | $1,588,000 | 2,425 |
| Pre-tax net operating income | $10,531,000 | 761 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,882,000 | 649 |
| Income before extraordinary items | $6,649,000 | 880 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,649,000 | 879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-83,000 | 8,489 |
| Cash dividends | $2,989,000 | 839 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 674 |
| Net operating income | $6,649,000 | 868 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,440,000 | 1,250 |
| Total interest expense | $6,143,000 | 1,272 |
| Net interest income | $9,297,000 | 1,225 |
| Provision for loan and lease losses | $236,000 | 1,866 |
| Total noninterest income | $1,202,000 | 1,945 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $823,000 | 1,078 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $379,000 | 2,640 |
| Total noninterest expense | $3,248,000 | 2,712 |
| Salaries and employee benefits | $1,878,000 | 2,575 |
| Premises and equipment expense | $345,000 | 3,364 |
| Additional noninterest expense | $1,025,000 | 2,499 |
| Pre-tax net operating income | $7,015,000 | 766 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,580,000 | 660 |
| Income before extraordinary items | $4,435,000 | 883 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,435,000 | 884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 8,466 |
| Cash dividends | $1,811,000 | 895 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 571 |
| Net operating income | $4,435,000 | 866 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,464,000 | 1,269 |
| Total interest expense | $2,871,000 | 1,297 |
| Net interest income | $4,593,000 | 1,235 |
| Provision for loan and lease losses | $96,000 | 2,063 |
| Total noninterest income | $569,000 | 2,011 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $423,000 | 1,006 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $146,000 | 3,015 |
| Total noninterest expense | $1,550,000 | 2,800 |
| Salaries and employee benefits | $911,000 | 2,658 |
| Premises and equipment expense | $156,000 | 3,660 |
| Additional noninterest expense | $483,000 | 2,614 |
| Pre-tax net operating income | $3,516,000 | 752 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,295,000 | 651 |
| Income before extraordinary items | $2,221,000 | 853 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,221,000 | 852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,512 |
| Cash dividends | $634,000 | 1,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,221,000 | 839 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $24,081,000 | 1,392 |
| Total interest expense | $7,447,000 | 1,524 |
| Net interest income | $16,634,000 | 1,310 |
| Provision for loan and lease losses | $1,543,000 | 694 |
| Total noninterest income | $2,400,000 | 1,932 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,349,000 | 1,313 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,051,000 | 2,144 |
| Total noninterest expense | $5,868,000 | 2,806 |
| Salaries and employee benefits | $2,947,000 | 3,008 |
| Premises and equipment expense | $629,000 | 3,514 |
| Additional noninterest expense | $2,292,000 | 2,183 |
| Pre-tax net operating income | $11,623,000 | 847 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,242,000 | 742 |
| Income before extraordinary items | $7,381,000 | 979 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,381,000 | 979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $531,000 | 1,124 |
| Cash dividends | $3,677,000 | 878 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,381,000 | 964 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,990,000 | 1,432 |
| Total interest expense | $4,941,000 | 1,635 |
| Net interest income | $12,049,000 | 1,346 |
| Provision for loan and lease losses | $1,123,000 | 685 |
| Total noninterest income | $1,892,000 | 1,867 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,016,000 | 1,299 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $876,000 | 1,989 |
| Total noninterest expense | $4,313,000 | 2,827 |
| Salaries and employee benefits | $2,121,000 | 3,106 |
| Premises and equipment expense | $467,000 | 3,531 |
| Additional noninterest expense | $1,725,000 | 2,153 |
| Pre-tax net operating income | $8,505,000 | 868 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,098,000 | 760 |
| Income before extraordinary items | $5,407,000 | 1,001 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,407,000 | 1,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 882 |
| Cash dividends | $3,031,000 | 731 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,407,000 | 980 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,749,000 | 1,463 |
| Total interest expense | $2,968,000 | 1,704 |
| Net interest income | $7,781,000 | 1,371 |
| Provision for loan and lease losses | $768,000 | 660 |
| Total noninterest income | $1,216,000 | 1,912 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $664,000 | 1,291 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $552,000 | 2,045 |
| Total noninterest expense | $2,799,000 | 2,884 |
| Salaries and employee benefits | $1,432,000 | 3,046 |
| Premises and equipment expense | $303,000 | 3,595 |
| Additional noninterest expense | $1,064,000 | 2,291 |
| Pre-tax net operating income | $5,430,000 | 880 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,975,000 | 772 |
| Income before extraordinary items | $3,455,000 | 1,013 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,455,000 | 1,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 664 |
| Cash dividends | $2,060,000 | 697 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,455,000 | 992 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,137,000 | 1,512 |
| Total interest expense | $1,391,000 | 1,720 |
| Net interest income | $3,746,000 | 1,412 |
| Provision for loan and lease losses | $463,000 | 508 |
| Total noninterest income | $552,000 | 1,992 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $325,000 | 1,260 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $227,000 | 2,286 |
| Total noninterest expense | $1,441,000 | 2,818 |
| Salaries and employee benefits | $762,000 | 2,888 |
| Premises and equipment expense | $153,000 | 3,594 |
| Additional noninterest expense | $526,000 | 2,316 |
| Pre-tax net operating income | $2,394,000 | 979 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $871,000 | 847 |
| Income before extraordinary items | $1,523,000 | 1,135 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,523,000 | 1,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 588 |
| Cash dividends | $1,089,000 | 608 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,523,000 | 1,110 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,262,000 | 1,578 |
| Total interest expense | $4,320,000 | 1,882 |
| Net interest income | $13,942,000 | 1,452 |
| Provision for loan and lease losses | $956,000 | 1,084 |
| Total noninterest income | $2,210,000 | 2,053 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,360,000 | 1,309 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $850,000 | 2,393 |
| Total noninterest expense | $5,799,000 | 2,734 |
| Salaries and employee benefits | $3,205,000 | 2,685 |
| Premises and equipment expense | $600,000 | 3,530 |
| Additional noninterest expense | $1,994,000 | 2,435 |
| Pre-tax net operating income | $9,397,000 | 933 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,397,000 | 819 |
| Income before extraordinary items | $6,000,000 | 1,083 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,000,000 | 1,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $653,000 | 1,084 |
| Cash dividends | $2,606,000 | 1,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,000,000 | 1,058 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,244,000 | 1,613 |
| Total interest expense | $3,018,000 | 1,986 |
| Net interest income | $10,226,000 | 1,473 |
| Provision for loan and lease losses | $586,000 | 1,258 |
| Total noninterest income | $1,673,000 | 2,045 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,035,000 | 1,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $638,000 | 2,412 |
| Total noninterest expense | $4,382,000 | 2,690 |
| Salaries and employee benefits | $2,485,000 | 2,581 |
| Premises and equipment expense | $444,000 | 3,581 |
| Additional noninterest expense | $1,453,000 | 2,457 |
| Pre-tax net operating income | $6,931,000 | 955 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,500,000 | 854 |
| Income before extraordinary items | $4,431,000 | 1,114 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,431,000 | 1,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 1,205 |
| Cash dividends | $2,024,000 | 969 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,431,000 | 1,078 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,362,000 | 1,680 |
| Total interest expense | $1,889,000 | 2,093 |
| Net interest income | $6,473,000 | 1,533 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $1,088,000 | 2,073 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $688,000 | 1,289 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $400,000 | 2,513 |
| Total noninterest expense | $2,880,000 | 2,724 |
| Salaries and employee benefits | $1,631,000 | 2,630 |
| Premises and equipment expense | $288,000 | 3,668 |
| Additional noninterest expense | $961,000 | 2,475 |
| Pre-tax net operating income | $4,666,000 | 935 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,683,000 | 834 |
| Income before extraordinary items | $2,983,000 | 1,103 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,983,000 | 1,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,716 |
| Cash dividends | $2,024,000 | 684 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,983,000 | 1,063 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,127,000 | 1,707 |
| Total interest expense | $927,000 | 2,150 |
| Net interest income | $3,200,000 | 1,560 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $545,000 | 2,031 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $349,000 | 1,226 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $196,000 | 2,507 |
| Total noninterest expense | $1,435,000 | 2,747 |
| Salaries and employee benefits | $813,000 | 2,644 |
| Premises and equipment expense | $144,000 | 3,699 |
| Additional noninterest expense | $478,000 | 2,472 |
| Pre-tax net operating income | $2,295,000 | 945 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $828,000 | 868 |
| Income before extraordinary items | $1,467,000 | 1,120 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,467,000 | 1,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $858,000 | 769 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,467,000 | 1,056 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,257,000 | 1,656 |
| Total interest expense | $4,482,000 | 1,993 |
| Net interest income | $12,775,000 | 1,523 |
| Provision for loan and lease losses | $7,000 | 7,463 |
| Total noninterest income | $1,891,000 | 2,408 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,156,000 | 1,487 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $735,000 | 2,873 |
| Total noninterest expense | $5,378,000 | 2,875 |
| Salaries and employee benefits | $3,023,000 | 2,749 |
| Premises and equipment expense | $558,000 | 3,719 |
| Additional noninterest expense | $1,797,000 | 2,641 |
| Pre-tax net operating income | $9,281,000 | 917 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $3,337,000 | 849 |
| Income before extraordinary items | $5,944,000 | 1,085 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,944,000 | 1,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,398 |
| Cash dividends | $3,430,000 | 890 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,944,000 | 1,023 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,003,000 | 1,680 |
| Total interest expense | $3,478,000 | 2,005 |
| Net interest income | $9,525,000 | 1,537 |
| Provision for loan and lease losses | $-25,000 | 9,057 |
| Total noninterest income | $1,348,000 | 2,548 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $806,000 | 1,604 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $542,000 | 2,987 |
| Total noninterest expense | $3,993,000 | 2,910 |
| Salaries and employee benefits | $2,204,000 | 2,830 |
| Premises and equipment expense | $413,000 | 3,763 |
| Additional noninterest expense | $1,376,000 | 2,576 |
| Pre-tax net operating income | $6,905,000 | 956 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,484,000 | 900 |
| Income before extraordinary items | $4,421,000 | 1,136 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,421,000 | 1,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,373 |
| Cash dividends | $2,792,000 | 776 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,421,000 | 1,070 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,696,000 | 1,694 |
| Total interest expense | $2,421,000 | 1,982 |
| Net interest income | $6,275,000 | 1,553 |
| Provision for loan and lease losses | $25,000 | 6,080 |
| Total noninterest income | $902,000 | 2,528 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $530,000 | 1,595 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $372,000 | 2,903 |
| Total noninterest expense | $2,676,000 | 2,886 |
| Salaries and employee benefits | $1,472,000 | 2,827 |
| Premises and equipment expense | $270,000 | 3,812 |
| Additional noninterest expense | $934,000 | 2,529 |
| Pre-tax net operating income | $4,476,000 | 974 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,609,000 | 938 |
| Income before extraordinary items | $2,867,000 | 1,172 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,867,000 | 1,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,662 |
| Cash dividends | $2,155,000 | 692 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,867,000 | 1,087 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,274,000 | 1,728 |
| Total interest expense | $1,224,000 | 2,015 |
| Net interest income | $3,050,000 | 1,604 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $443,000 | 2,503 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $256,000 | 1,600 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $187,000 | 2,838 |
| Total noninterest expense | $1,318,000 | 2,900 |
| Salaries and employee benefits | $750,000 | 2,769 |
| Premises and equipment expense | $135,000 | 3,814 |
| Additional noninterest expense | $433,000 | 2,662 |
| Pre-tax net operating income | $2,175,000 | 1,010 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $782,000 | 973 |
| Income before extraordinary items | $1,393,000 | 1,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,393,000 | 1,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,979 |
| Cash dividends | $1,000,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,393,000 | 1,108 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,837,000 | 1,630 |
| Total interest expense | $5,469,000 | 2,054 |
| Net interest income | $13,368,000 | 1,465 |
| Provision for loan and lease losses | $987,000 | 1,374 |
| Total noninterest income | $1,484,000 | 2,632 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $932,000 | 1,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $552,000 | 3,110 |
| Total noninterest expense | $5,605,000 | 2,644 |
| Salaries and employee benefits | $2,975,000 | 2,648 |
| Premises and equipment expense | $581,000 | 3,503 |
| Additional noninterest expense | $2,049,000 | 2,257 |
| Pre-tax net operating income | $8,260,000 | 1,020 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,976,000 | 928 |
| Income before extraordinary items | $5,284,000 | 1,185 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,284,000 | 1,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,597 |
| Cash dividends | $4,297,000 | 705 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,284,000 | 1,142 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,533,000 | 1,579 |
| Total interest expense | $9,427,000 | 1,722 |
| Net interest income | $12,106,000 | 1,468 |
| Provision for loan and lease losses | $1,535,000 | 888 |
| Total noninterest income | $1,356,000 | 2,697 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $898,000 | 1,690 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $458,000 | 3,277 |
| Total noninterest expense | $4,851,000 | 2,898 |
| Salaries and employee benefits | $2,895,000 | 2,590 |
| Premises and equipment expense | $546,000 | 3,632 |
| Additional noninterest expense | $1,410,000 | 3,040 |
| Pre-tax net operating income | $7,076,000 | 1,055 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,548,000 | 962 |
| Income before extraordinary items | $4,528,000 | 1,204 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,528,000 | 1,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,263,000 | 794 |
| Cash dividends | $2,796,000 | 992 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,528,000 | 1,158 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $20,098,000 | 1,722 |
| Total interest expense | $10,410,000 | 1,652 |
| Net interest income | $9,688,000 | 1,815 |
| Provision for loan and lease losses | $905,000 | 1,155 |
| Total noninterest income | $1,271,000 | 2,644 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $733,000 | 1,892 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $538,000 | 2,831 |
| Total noninterest expense | $4,337,000 | 3,108 |
| Salaries and employee benefits | $2,348,000 | 3,004 |
| Premises and equipment expense | $533,000 | 3,602 |
| Additional noninterest expense | $1,456,000 | 2,890 |
| Pre-tax net operating income | $5,717,000 | 1,285 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,043,000 | 1,135 |
| Income before extraordinary items | $3,674,000 | 1,444 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,674,000 | 1,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $557,000 | 1,146 |
| Cash dividends | $2,272,000 | 1,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,674,000 | 1,434 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,172,000 | 1,897 |
| Total interest expense | $7,896,000 | 1,907 |
| Net interest income | $9,276,000 | 1,893 |
| Provision for loan and lease losses | $323,000 | 2,504 |
| Total noninterest income | $1,164,000 | 2,761 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $642,000 | 2,069 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $522,000 | 2,876 |
| Total noninterest expense | $3,928,000 | 3,369 |
| Salaries and employee benefits | $2,265,000 | 3,071 |
| Premises and equipment expense | $469,000 | 3,993 |
| Additional noninterest expense | $1,194,000 | 3,437 |
| Pre-tax net operating income | $6,189,000 | 1,245 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,273,000 | 1,099 |
| Income before extraordinary items | $3,916,000 | 1,376 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,916,000 | 1,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 1,602 |
| Cash dividends | $2,565,000 | 1,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,916,000 | 1,354 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,793,000 | 1,929 |
| Total interest expense | $8,071,000 | 1,891 |
| Net interest income | $8,722,000 | 1,960 |
| Provision for loan and lease losses | $466,000 | 1,828 |
| Total noninterest income | $1,189,000 | 2,710 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $603,000 | 2,125 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $586,000 | 2,682 |
| Total noninterest expense | $3,600,000 | 3,525 |
| Salaries and employee benefits | $2,147,000 | 3,123 |
| Premises and equipment expense | $395,000 | 4,465 |
| Additional noninterest expense | $1,058,000 | 3,766 |
| Pre-tax net operating income | $5,845,000 | 1,284 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,154,000 | 1,170 |
| Income before extraordinary items | $3,691,000 | 1,433 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,691,000 | 1,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,765 |
| Cash dividends | $2,048,000 | 1,297 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 917 |
| Net operating income | $3,691,000 | 1,372 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,802,000 | 2,206 |
| Total interest expense | $7,179,000 | 2,107 |
| Net interest income | $7,623,000 | 2,302 |
| Provision for loan and lease losses | $326,000 | 2,442 |
| Total noninterest income | $790,000 | 3,608 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $456,000 | 2,862 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $334,000 | 3,680 |
| Total noninterest expense | $2,994,000 | 4,104 |
| Salaries and employee benefits | $1,904,000 | 3,454 |
| Premises and equipment expense | $320,000 | 5,231 |
| Additional noninterest expense | $770,000 | 4,866 |
| Pre-tax net operating income | $5,093,000 | 1,518 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,876,000 | 1,401 |
| Income before extraordinary items | $3,217,000 | 1,676 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,217,000 | 1,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,315 |
| Cash dividends | $828,000 | 2,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,217,000 | 1,635 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,065,000 | 2,559 |
| Total interest expense | $6,163,000 | 2,486 |
| Net interest income | $6,902,000 | 2,558 |
| Provision for loan and lease losses | $502,000 | 1,730 |
| Total noninterest income | $710,000 | 4,072 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $390,000 | 3,410 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $320,000 | 3,926 |
| Total noninterest expense | $2,532,000 | 4,953 |
| Salaries and employee benefits | $1,607,000 | 4,047 |
| Premises and equipment expense | $266,000 | 6,016 |
| Additional noninterest expense | $659,000 | 5,981 |
| Pre-tax net operating income | $4,578,000 | 1,587 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $1,712,000 | 1,415 |
| Income before extraordinary items | $2,869,000 | 1,730 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,869,000 | 1,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,426 |
| Cash dividends | $753,000 | 2,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,867,080 | 1,697 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,897,000 | 3,039 |
| Total interest expense | $5,213,000 | 2,925 |
| Net interest income | $5,684,000 | 3,135 |
| Provision for loan and lease losses | $410,000 | 1,831 |
| Total noninterest income | $553,000 | 4,847 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $384,000 | 3,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 5,628 |
| Total noninterest expense | $2,402,000 | 5,171 |
| Salaries and employee benefits | $1,439,000 | 4,448 |
| Premises and equipment expense | $239,000 | 6,526 |
| Additional noninterest expense | $724,000 | 5,693 |
| Pre-tax net operating income | $3,425,000 | 2,149 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,287,000 | 1,894 |
| Income before extraordinary items | $2,138,000 | 2,361 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,138,000 | 2,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,703 |
| Cash dividends | $423,000 | 3,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,138,000 | 2,333 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,793,000 | 3,834 |
| Total interest expense | $2,985,000 | 3,986 |
| Net interest income | $4,808,000 | 3,690 |
| Provision for loan and lease losses | $345,000 | 2,053 |
| Total noninterest income | $409,000 | 6,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,482 |
| Total noninterest expense | $2,171,000 | 5,820 |
| Salaries and employee benefits | $1,245,000 | 5,078 |
| Premises and equipment expense | $247,000 | 6,567 |
| Additional noninterest expense | $679,000 | 6,481 |
| Pre-tax net operating income | $2,701,000 | 2,621 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $1,011,000 | 2,219 |
| Income before extraordinary items | $1,694,000 | 2,850 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,694,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $240,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,691,440 | 2,881 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,803,000 | 5,103 |
| Total interest expense | $2,479,000 | 4,851 |
| Net interest income | $3,324,000 | 5,188 |
| Provision for loan and lease losses | $219,000 | 3,726 |
| Total noninterest income | $344,000 | 7,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,796 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $1,931,000 | 6,519 |
| Salaries and employee benefits | $1,026,000 | 5,982 |
| Premises and equipment expense | $260,000 | 6,507 |
| Additional noninterest expense | $645,000 | 6,971 |
| Pre-tax net operating income | $1,518,000 | 4,272 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $556,000 | 3,820 |
| Income before extraordinary items | $962,000 | 4,829 |
| Extraordinary gains, net | $-9,000 | 12,296 |
| Net income | $953,000 | 5,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,125 |
| Net operating income | $962,000 | 4,592 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,169,000 | 6,216 |
| Total interest expense | $2,538,000 | 5,918 |
| Net interest income | $2,631,000 | 6,356 |
| Provision for loan and lease losses | $238,000 | 4,768 |
| Total noninterest income | $238,000 | 8,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,594 |
| Total noninterest expense | $1,635,000 | 7,450 |
| Salaries and employee benefits | $748,000 | 7,624 |
| Premises and equipment expense | $257,000 | 6,653 |
| Additional noninterest expense | $630,000 | 7,255 |
| Pre-tax net operating income | $996,000 | 5,635 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $360,000 | 5,218 |
| Income before extraordinary items | $636,000 | 6,330 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $636,000 | 6,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 6,938 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 1,054 |
| Net operating income | $636,000 | 5,979 |
* 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.