Home > Stoneham Savings Bank > Income and Expense
Stoneham Savings Bank, Income and Expense
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $8,080,000 | 2,267 |
| Total interest expense | $1,016,000 | 2,407 |
| Net interest income | $7,064,000 | 2,221 |
| Provision for loan and lease losses | $60,000 | 3,816 |
| Total noninterest income | $566,000 | 3,804 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $308,000 | 2,774 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $258,000 | 3,976 |
| Total noninterest expense | $6,410,000 | 2,213 |
| Salaries and employee benefits | $3,071,000 | 2,436 |
| Premises and equipment expense | $924,000 | 1,883 |
| Additional noninterest expense | $2,415,000 | 1,942 |
| Pre-tax net operating income | $1,160,000 | 3,415 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $424,000 | 2,081 |
| Income before extraordinary items | $736,000 | 3,972 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $736,000 | 3,974 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $736,000 | 3,975 |
| Net charge-offs | $1,000 | 5,139 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $736,000 | 3,902 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,391,000 | 2,270 |
| Total interest expense | $659,000 | 2,517 |
| Net interest income | $4,732,000 | 2,200 |
| Provision for loan and lease losses | $60,000 | 3,384 |
| Total noninterest income | $380,000 | 3,787 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $202,000 | 2,775 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $178,000 | 3,970 |
| Total noninterest expense | $4,575,000 | 2,068 |
| Salaries and employee benefits | $2,259,000 | 2,258 |
| Premises and equipment expense | $646,000 | 1,810 |
| Additional noninterest expense | $1,670,000 | 1,879 |
| Pre-tax net operating income | $477,000 | 4,225 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $174,000 | 2,553 |
| Income before extraordinary items | $303,000 | 4,728 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $303,000 | 4,731 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $303,000 | 4,732 |
| Net charge-offs | $1,000 | 4,803 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $303,000 | 4,612 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,697,000 | 2,292 |
| Total interest expense | $318,000 | 2,658 |
| Net interest income | $2,379,000 | 2,198 |
| Provision for loan and lease losses | $40,000 | 3,034 |
| Total noninterest income | $196,000 | 3,689 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $104,000 | 2,709 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $92,000 | 3,883 |
| Total noninterest expense | $2,447,000 | 1,955 |
| Salaries and employee benefits | $1,328,000 | 1,959 |
| Premises and equipment expense | $333,000 | 1,791 |
| Additional noninterest expense | $786,000 | 1,993 |
| Pre-tax net operating income | $88,000 | 5,432 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $32,000 | 3,314 |
| Income before extraordinary items | $56,000 | 5,771 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $56,000 | 5,773 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $56,000 | 5,773 |
| Net charge-offs | $1,000 | 4,010 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $56,000 | 5,679 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,016,000 | 2,569 |
| Total interest expense | $1,183,000 | 3,231 |
| Net interest income | $8,833,000 | 2,431 |
| Provision for loan and lease losses | $284,000 | 3,482 |
| Total noninterest income | $4,693,000 | 1,201 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $233,000 | 3,991 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $4,460,000 | 888 |
| Total noninterest expense | $14,097,000 | 1,400 |
| Salaries and employee benefits | $4,770,000 | 2,090 |
| Premises and equipment expense | $1,080,000 | 2,119 |
| Additional noninterest expense | $8,247,000 | 852 |
| Pre-tax net operating income | $-855,000 | 6,622 |
| Securities gains (losses) | $347,000 | 1,235 |
| Applicable income taxes | $-1,807,000 | 6,998 |
| Income before extraordinary items | $1,299,000 | 3,383 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,299,000 | 3,384 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,299,000 | 3,385 |
| Net charge-offs | $-10,000 | 6,614 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,076,920 | 3,592 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,960,000 | 2,816 |
| Total interest expense | $488,000 | 4,701 |
| Net interest income | $6,472,000 | 2,522 |
| Provision for loan and lease losses | $210,000 | 3,454 |
| Total noninterest income | $6,859,000 | 727 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $155,000 | 4,243 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $6,704,000 | 522 |
| Total noninterest expense | $10,690,000 | 1,389 |
| Salaries and employee benefits | $3,425,000 | 2,174 |
| Premises and equipment expense | $861,000 | 2,047 |
| Additional noninterest expense | $6,404,000 | 817 |
| Pre-tax net operating income | $2,431,000 | 2,028 |
| Securities gains (losses) | $123,000 | 1,824 |
| Applicable income taxes | $-1,511,000 | 7,114 |
| Income before extraordinary items | $4,065,000 | 1,120 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $4,065,000 | 1,121 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $4,065,000 | 1,121 |
| Net charge-offs | $0 | 5,771 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $3,942,000 | 1,084 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,396,000 | 2,964 |
| Total interest expense | $348,000 | 4,649 |
| Net interest income | $4,048,000 | 2,693 |
| Provision for loan and lease losses | $135,000 | 3,493 |
| Total noninterest income | $6,656,000 | 533 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $102,000 | 4,265 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,554,000 | 388 |
| Total noninterest expense | $8,215,000 | 1,223 |
| Salaries and employee benefits | $2,067,000 | 2,385 |
| Premises and equipment expense | $544,000 | 2,123 |
| Additional noninterest expense | $5,604,000 | 633 |
| Pre-tax net operating income | $2,354,000 | 1,479 |
| Securities gains (losses) | $57,000 | 1,972 |
| Applicable income taxes | $-1,563,000 | 7,190 |
| Income before extraordinary items | $3,974,000 | 770 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,974,000 | 768 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $3,974,000 | 770 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $3,917,000 | 731 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,764,000 | 3,544 |
| Total interest expense | $152,000 | 5,070 |
| Net interest income | $1,612,000 | 3,256 |
| Provision for loan and lease losses | $60,000 | 3,447 |
| Total noninterest income | $6,443,000 | 334 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $41,000 | 4,661 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $6,402,000 | 254 |
| Total noninterest expense | $5,895,000 | 839 |
| Salaries and employee benefits | $853,000 | 2,878 |
| Premises and equipment expense | $246,000 | 2,320 |
| Additional noninterest expense | $4,796,000 | 392 |
| Pre-tax net operating income | $2,100,000 | 852 |
| Securities gains (losses) | $49,000 | 1,234 |
| Applicable income taxes | $-1,659,000 | 7,288 |
| Income before extraordinary items | $3,808,000 | 436 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,808,000 | 437 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $3,808,000 | 437 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $3,759,000 | 415 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,779,000 | 1,905 |
| Total interest expense | $4,716,000 | 1,293 |
| Net interest income | $10,063,000 | 2,170 |
| Provision for loan and lease losses | $3,486,000 | 1,058 |
| Total noninterest income | $1,385,000 | 2,576 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $291,000 | 3,637 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,094,000 | 2,013 |
| Total noninterest expense | $14,712,000 | 1,331 |
| Salaries and employee benefits | $6,984,000 | 1,410 |
| Premises and equipment expense | $1,931,000 | 1,295 |
| Additional noninterest expense | $5,797,000 | 1,201 |
| Pre-tax net operating income | $-6,750,000 | 7,137 |
| Securities gains (losses) | $416,000 | 903 |
| Applicable income taxes | $-342,000 | 6,999 |
| Income before extraordinary items | $-5,992,000 | 7,110 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,992,000 | 7,109 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-5,992,000 | 7,110 |
| Net charge-offs | $3,721,000 | 1,035 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-6,387,200 | 7,118 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,108,000 | 1,925 |
| Total interest expense | $3,764,000 | 1,261 |
| Net interest income | $7,344,000 | 2,245 |
| Provision for loan and lease losses | $653,000 | 2,541 |
| Total noninterest income | $1,856,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $217,000 | 3,674 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,639,000 | 1,264 |
| Total noninterest expense | $10,783,000 | 1,362 |
| Salaries and employee benefits | $5,058,000 | 1,470 |
| Premises and equipment expense | $1,512,000 | 1,262 |
| Additional noninterest expense | $4,213,000 | 1,226 |
| Pre-tax net operating income | $-2,236,000 | 7,029 |
| Securities gains (losses) | $413,000 | 740 |
| Applicable income taxes | $-342,000 | 7,159 |
| Income before extraordinary items | $-1,481,000 | 6,979 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,481,000 | 6,980 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,481,000 | 6,980 |
| Net charge-offs | $28,000 | 5,367 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,815,530 | 7,020 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,523,000 | 1,904 |
| Total interest expense | $2,683,000 | 1,208 |
| Net interest income | $4,840,000 | 2,264 |
| Provision for loan and lease losses | $353,000 | 2,760 |
| Total noninterest income | $996,000 | 1,998 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $143,000 | 3,679 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $853,000 | 1,499 |
| Total noninterest expense | $7,177,000 | 1,385 |
| Salaries and employee benefits | $3,353,000 | 1,496 |
| Premises and equipment expense | $1,078,000 | 1,190 |
| Additional noninterest expense | $2,746,000 | 1,292 |
| Pre-tax net operating income | $-1,694,000 | 7,130 |
| Securities gains (losses) | $283,000 | 563 |
| Applicable income taxes | $-345,000 | 7,286 |
| Income before extraordinary items | $-1,066,000 | 7,056 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,066,000 | 7,055 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,066,000 | 7,056 |
| Net charge-offs | $96,000 | 3,885 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,281,080 | 7,081 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,829,000 | 1,876 |
| Total interest expense | $1,454,000 | 1,155 |
| Net interest income | $2,375,000 | 2,295 |
| Provision for loan and lease losses | $52,000 | 4,138 |
| Total noninterest income | $512,000 | 1,950 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $66,000 | 3,799 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $446,000 | 1,461 |
| Total noninterest expense | $3,493,000 | 1,417 |
| Salaries and employee benefits | $1,642,000 | 1,536 |
| Premises and equipment expense | $584,000 | 1,124 |
| Additional noninterest expense | $1,267,000 | 1,382 |
| Pre-tax net operating income | $-658,000 | 7,160 |
| Securities gains (losses) | $264,000 | 279 |
| Applicable income taxes | $-140,000 | 7,335 |
| Income before extraordinary items | $-254,000 | 6,943 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-254,000 | 6,943 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-254,000 | 6,943 |
| Net charge-offs | $48,000 | 3,385 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-422,960 | 7,077 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $17,603,000 | 1,719 |
| Total interest expense | $7,144,000 | 1,149 |
| Net interest income | $10,459,000 | 2,086 |
| Provision for loan and lease losses | $4,241,000 | 1,286 |
| Total noninterest income | $1,549,000 | 2,463 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $261,000 | 3,919 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,288,000 | 1,872 |
| Total noninterest expense | $15,739,000 | 1,272 |
| Salaries and employee benefits | $6,693,000 | 1,468 |
| Premises and equipment expense | $2,028,000 | 1,280 |
| Additional noninterest expense | $7,018,000 | 1,050 |
| Pre-tax net operating income | $-7,972,000 | 7,287 |
| Securities gains (losses) | $355,000 | 1,125 |
| Applicable income taxes | $-2,606,000 | 7,502 |
| Income before extraordinary items | $-5,011,000 | 7,175 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,011,000 | 7,175 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-5,011,000 | 7,175 |
| Net charge-offs | $11,047,000 | 559 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-5,245,300 | 7,170 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $13,519,000 | 1,714 |
| Total interest expense | $5,474,000 | 1,172 |
| Net interest income | $8,045,000 | 2,063 |
| Provision for loan and lease losses | $4,105,000 | 1,023 |
| Total noninterest income | $2,519,000 | 1,422 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $190,000 | 4,057 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,329,000 | 995 |
| Total noninterest expense | $12,086,000 | 1,231 |
| Salaries and employee benefits | $5,065,000 | 1,460 |
| Premises and equipment expense | $1,541,000 | 1,288 |
| Additional noninterest expense | $5,480,000 | 984 |
| Pre-tax net operating income | $-5,627,000 | 7,405 |
| Securities gains (losses) | $171,000 | 1,495 |
| Applicable income taxes | $-1,952,000 | 7,605 |
| Income before extraordinary items | $-3,504,000 | 7,327 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,504,000 | 7,327 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,504,000 | 7,327 |
| Net charge-offs | $10,158,000 | 455 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,613,440 | 7,320 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,250,000 | 1,695 |
| Total interest expense | $3,700,000 | 1,205 |
| Net interest income | $5,550,000 | 1,998 |
| Provision for loan and lease losses | $1,502,000 | 1,514 |
| Total noninterest income | $2,085,000 | 1,201 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $123,000 | 4,090 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,962,000 | 813 |
| Total noninterest expense | $7,998,000 | 1,240 |
| Salaries and employee benefits | $3,391,000 | 1,460 |
| Premises and equipment expense | $1,042,000 | 1,271 |
| Additional noninterest expense | $3,565,000 | 991 |
| Pre-tax net operating income | $-1,865,000 | 7,239 |
| Securities gains (losses) | $26,000 | 2,244 |
| Applicable income taxes | $-889,000 | 7,592 |
| Income before extraordinary items | $-950,000 | 7,075 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-950,000 | 7,074 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-950,000 | 7,075 |
| Net charge-offs | $8,105,000 | 387 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-966,640 | 7,051 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,661,000 | 1,729 |
| Total interest expense | $1,889,000 | 1,230 |
| Net interest income | $2,772,000 | 2,019 |
| Provision for loan and lease losses | $606,000 | 1,602 |
| Total noninterest income | $900,000 | 1,341 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $57,000 | 4,229 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $843,000 | 904 |
| Total noninterest expense | $3,923,000 | 1,276 |
| Salaries and employee benefits | $1,741,000 | 1,442 |
| Premises and equipment expense | $543,000 | 1,258 |
| Additional noninterest expense | $1,639,000 | 1,063 |
| Pre-tax net operating income | $-857,000 | 7,365 |
| Securities gains (losses) | $19,000 | 1,545 |
| Applicable income taxes | $-566,000 | 7,723 |
| Income before extraordinary items | $-272,000 | 7,044 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-272,000 | 7,045 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-272,000 | 7,044 |
| Net charge-offs | $6,994,000 | 256 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-284,160 | 7,017 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $21,170,000 | 1,614 |
| Total interest expense | $10,292,000 | 1,163 |
| Net interest income | $10,878,000 | 2,016 |
| Provision for loan and lease losses | $10,912,000 | 810 |
| Total noninterest income | $1,897,000 | 2,198 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $259,000 | 4,162 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,638,000 | 1,568 |
| Total noninterest expense | $15,248,000 | 1,346 |
| Salaries and employee benefits | $7,233,000 | 1,395 |
| Premises and equipment expense | $2,214,000 | 1,232 |
| Additional noninterest expense | $5,801,000 | 1,299 |
| Pre-tax net operating income | $-13,385,000 | 7,594 |
| Securities gains (losses) | $35,000 | 2,803 |
| Applicable income taxes | $-4,131,000 | 7,710 |
| Income before extraordinary items | $-9,219,000 | 7,525 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,219,000 | 7,524 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,219,000 | 7,524 |
| Net charge-offs | $5,941,000 | 1,005 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-9,243,150 | 7,534 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,173,000 | 1,614 |
| Total interest expense | $8,160,000 | 1,144 |
| Net interest income | $8,013,000 | 2,055 |
| Provision for loan and lease losses | $9,784,000 | 633 |
| Total noninterest income | $2,197,000 | 1,664 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $193,000 | 4,188 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,004,000 | 1,147 |
| Total noninterest expense | $11,063,000 | 1,381 |
| Salaries and employee benefits | $5,454,000 | 1,395 |
| Premises and equipment expense | $1,673,000 | 1,236 |
| Additional noninterest expense | $3,936,000 | 1,382 |
| Pre-tax net operating income | $-10,637,000 | 7,760 |
| Securities gains (losses) | $33,000 | 2,514 |
| Applicable income taxes | $-3,301,000 | 7,831 |
| Income before extraordinary items | $-7,303,000 | 7,704 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-7,303,000 | 7,703 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-7,303,000 | 7,703 |
| Net charge-offs | $2,643,000 | 1,278 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-7,325,770 | 7,712 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,975,000 | 1,620 |
| Total interest expense | $5,640,000 | 1,170 |
| Net interest income | $5,335,000 | 2,055 |
| Provision for loan and lease losses | $2,370,000 | 1,271 |
| Total noninterest income | $2,348,000 | 1,175 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $113,000 | 4,405 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,235,000 | 808 |
| Total noninterest expense | $7,375,000 | 1,405 |
| Salaries and employee benefits | $3,656,000 | 1,425 |
| Premises and equipment expense | $1,142,000 | 1,236 |
| Additional noninterest expense | $2,577,000 | 1,440 |
| Pre-tax net operating income | $-2,062,000 | 7,397 |
| Securities gains (losses) | $-8,000 | 7,458 |
| Applicable income taxes | $-870,000 | 7,715 |
| Income before extraordinary items | $-1,200,000 | 7,227 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,200,000 | 7,226 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,200,000 | 7,226 |
| Net charge-offs | $2,000 | 6,442 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,194,880 | 7,227 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,396,000 | 1,665 |
| Total interest expense | $2,901,000 | 1,186 |
| Net interest income | $2,495,000 | 2,205 |
| Provision for loan and lease losses | $330,000 | 2,194 |
| Total noninterest income | $929,000 | 1,372 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $52,000 | 4,522 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $877,000 | 937 |
| Total noninterest expense | $3,674,000 | 1,365 |
| Salaries and employee benefits | $1,829,000 | 1,432 |
| Premises and equipment expense | $615,000 | 1,171 |
| Additional noninterest expense | $1,230,000 | 1,332 |
| Pre-tax net operating income | $-580,000 | 7,397 |
| Securities gains (losses) | $-9,000 | 7,821 |
| Applicable income taxes | $-204,000 | 7,715 |
| Income before extraordinary items | $-385,000 | 7,317 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-385,000 | 7,318 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-385,000 | 7,318 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-379,150 | 7,270 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $23,673,000 | 1,635 |
| Total interest expense | $12,520,000 | 1,305 |
| Net interest income | $11,153,000 | 1,990 |
| Provision for loan and lease losses | $1,055,000 | 2,624 |
| Total noninterest income | $3,606,000 | 1,370 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $243,000 | 4,412 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,363,000 | 883 |
| Total noninterest expense | $12,933,000 | 1,511 |
| Salaries and employee benefits | $7,191,000 | 1,426 |
| Premises and equipment expense | $2,067,000 | 1,329 |
| Additional noninterest expense | $3,675,000 | 1,682 |
| Pre-tax net operating income | $771,000 | 4,236 |
| Securities gains (losses) | $-1,947,000 | 7,892 |
| Applicable income taxes | $-605,000 | 7,559 |
| Income before extraordinary items | $-571,000 | 6,752 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-571,000 | 6,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,960 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $675,080 | 4,144 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,804,000 | 1,662 |
| Total interest expense | $9,427,000 | 1,355 |
| Net interest income | $8,377,000 | 2,012 |
| Provision for loan and lease losses | $255,000 | 3,815 |
| Total noninterest income | $3,081,000 | 1,287 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $184,000 | 4,421 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,897,000 | 841 |
| Total noninterest expense | $9,615,000 | 1,520 |
| Salaries and employee benefits | $5,481,000 | 1,416 |
| Premises and equipment expense | $1,541,000 | 1,347 |
| Additional noninterest expense | $2,593,000 | 1,717 |
| Pre-tax net operating income | $1,588,000 | 2,722 |
| Securities gains (losses) | $-1,908,000 | 8,052 |
| Applicable income taxes | $-313,000 | 7,748 |
| Income before extraordinary items | $-7,000 | 6,612 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-7,000 | 6,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,214,120 | 2,881 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,785,000 | 1,705 |
| Total interest expense | $6,412,000 | 1,374 |
| Net interest income | $5,373,000 | 2,069 |
| Provision for loan and lease losses | $165,000 | 3,451 |
| Total noninterest income | $2,288,000 | 1,187 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $122,000 | 4,441 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,166,000 | 801 |
| Total noninterest expense | $6,432,000 | 1,508 |
| Salaries and employee benefits | $3,635,000 | 1,442 |
| Premises and equipment expense | $1,041,000 | 1,325 |
| Additional noninterest expense | $1,756,000 | 1,674 |
| Pre-tax net operating income | $1,064,000 | 2,819 |
| Securities gains (losses) | $-5,000 | 8,053 |
| Applicable income taxes | $260,000 | 2,372 |
| Income before extraordinary items | $799,000 | 3,051 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $799,000 | 3,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $802,750 | 2,993 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,976,000 | 1,726 |
| Total interest expense | $3,351,000 | 1,405 |
| Net interest income | $2,625,000 | 2,118 |
| Provision for loan and lease losses | $105,000 | 2,634 |
| Total noninterest income | $1,078,000 | 1,258 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $60,000 | 4,445 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,018,000 | 853 |
| Total noninterest expense | $3,276,000 | 1,463 |
| Salaries and employee benefits | $1,862,000 | 1,412 |
| Premises and equipment expense | $535,000 | 1,289 |
| Additional noninterest expense | $879,000 | 1,634 |
| Pre-tax net operating income | $322,000 | 3,985 |
| Securities gains (losses) | $-7,000 | 8,296 |
| Applicable income taxes | $87,000 | 2,957 |
| Income before extraordinary items | $228,000 | 4,397 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $228,000 | 4,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $233,040 | 4,241 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $23,600,000 | 1,803 |
| Total interest expense | $12,510,000 | 1,607 |
| Net interest income | $11,090,000 | 2,046 |
| Provision for loan and lease losses | $335,000 | 2,995 |
| Total noninterest income | $4,017,000 | 1,302 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $255,000 | 4,417 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,762,000 | 861 |
| Total noninterest expense | $12,478,000 | 1,481 |
| Salaries and employee benefits | $7,413,000 | 1,365 |
| Premises and equipment expense | $2,007,000 | 1,324 |
| Additional noninterest expense | $3,058,000 | 1,804 |
| Pre-tax net operating income | $2,294,000 | 3,016 |
| Securities gains (losses) | $416,000 | 291 |
| Applicable income taxes | $807,000 | 2,131 |
| Income before extraordinary items | $1,903,000 | 2,926 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,903,000 | 2,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,952 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,611,800 | 3,264 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,482,000 | 1,828 |
| Total interest expense | $9,107,000 | 1,642 |
| Net interest income | $8,375,000 | 2,052 |
| Provision for loan and lease losses | $225,000 | 2,782 |
| Total noninterest income | $3,160,000 | 1,249 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $192,000 | 4,425 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,968,000 | 834 |
| Total noninterest expense | $9,320,000 | 1,468 |
| Salaries and employee benefits | $5,734,000 | 1,311 |
| Premises and equipment expense | $1,504,000 | 1,312 |
| Additional noninterest expense | $2,082,000 | 1,937 |
| Pre-tax net operating income | $1,990,000 | 2,841 |
| Securities gains (losses) | $423,000 | 261 |
| Applicable income taxes | $761,000 | 1,968 |
| Income before extraordinary items | $1,652,000 | 2,779 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,652,000 | 2,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,200 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,364,360 | 3,153 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,797,000 | 1,828 |
| Total interest expense | $5,904,000 | 1,698 |
| Net interest income | $5,893,000 | 1,968 |
| Provision for loan and lease losses | $225,000 | 1,984 |
| Total noninterest income | $2,373,000 | 1,167 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $124,000 | 4,504 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,249,000 | 778 |
| Total noninterest expense | $6,270,000 | 1,465 |
| Salaries and employee benefits | $3,871,000 | 1,314 |
| Premises and equipment expense | $1,010,000 | 1,321 |
| Additional noninterest expense | $1,389,000 | 1,941 |
| Pre-tax net operating income | $1,771,000 | 2,366 |
| Securities gains (losses) | $362,000 | 220 |
| Applicable income taxes | $723,000 | 1,620 |
| Income before extraordinary items | $1,410,000 | 2,314 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,410,000 | 2,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,601 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,171,080 | 2,673 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,744,000 | 1,862 |
| Total interest expense | $2,851,000 | 1,751 |
| Net interest income | $2,893,000 | 2,011 |
| Provision for loan and lease losses | $160,000 | 1,363 |
| Total noninterest income | $1,043,000 | 1,268 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $59,000 | 4,564 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $984,000 | 857 |
| Total noninterest expense | $3,080,000 | 1,486 |
| Salaries and employee benefits | $1,924,000 | 1,336 |
| Premises and equipment expense | $511,000 | 1,315 |
| Additional noninterest expense | $645,000 | 2,037 |
| Pre-tax net operating income | $696,000 | 2,814 |
| Securities gains (losses) | $56,000 | 396 |
| Applicable income taxes | $179,000 | 2,548 |
| Income before extraordinary items | $573,000 | 2,738 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $573,000 | 2,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $530,440 | 2,872 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,511,000 | 1,935 |
| Total interest expense | $9,034,000 | 1,840 |
| Net interest income | $11,477,000 | 2,020 |
| Provision for loan and lease losses | $420,000 | 2,183 |
| Total noninterest income | $3,841,000 | 1,328 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $243,000 | 4,564 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,598,000 | 877 |
| Total noninterest expense | $11,938,000 | 1,494 |
| Salaries and employee benefits | $7,137,000 | 1,366 |
| Premises and equipment expense | $1,986,000 | 1,304 |
| Additional noninterest expense | $2,815,000 | 1,868 |
| Pre-tax net operating income | $2,960,000 | 2,804 |
| Securities gains (losses) | $531,000 | 240 |
| Applicable income taxes | $922,000 | 2,314 |
| Income before extraordinary items | $2,569,000 | 2,553 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,569,000 | 2,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,176,060 | 2,909 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,883,000 | 1,982 |
| Total interest expense | $6,331,000 | 1,901 |
| Net interest income | $8,552,000 | 2,051 |
| Provision for loan and lease losses | $300,000 | 2,139 |
| Total noninterest income | $2,962,000 | 1,320 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $175,000 | 4,704 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,787,000 | 866 |
| Total noninterest expense | $8,948,000 | 1,498 |
| Salaries and employee benefits | $5,382,000 | 1,378 |
| Premises and equipment expense | $1,520,000 | 1,283 |
| Additional noninterest expense | $2,046,000 | 1,909 |
| Pre-tax net operating income | $2,266,000 | 2,857 |
| Securities gains (losses) | $367,000 | 244 |
| Applicable income taxes | $717,000 | 2,360 |
| Income before extraordinary items | $1,916,000 | 2,657 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,916,000 | 2,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,648,090 | 2,975 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,373,000 | 2,053 |
| Total interest expense | $3,833,000 | 1,975 |
| Net interest income | $5,540,000 | 2,108 |
| Provision for loan and lease losses | $155,000 | 2,524 |
| Total noninterest income | $2,161,000 | 1,240 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $118,000 | 4,641 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,043,000 | 800 |
| Total noninterest expense | $5,914,000 | 1,517 |
| Salaries and employee benefits | $3,514,000 | 1,407 |
| Premises and equipment expense | $1,026,000 | 1,264 |
| Additional noninterest expense | $1,374,000 | 1,897 |
| Pre-tax net operating income | $1,632,000 | 2,707 |
| Securities gains (losses) | $343,000 | 201 |
| Applicable income taxes | $571,000 | 2,119 |
| Income before extraordinary items | $1,404,000 | 2,469 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,404,000 | 2,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,160,470 | 2,862 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,387,000 | 2,138 |
| Total interest expense | $1,721,000 | 2,073 |
| Net interest income | $2,666,000 | 2,185 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $916,000 | 1,371 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $59,000 | 4,577 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $857,000 | 916 |
| Total noninterest expense | $2,901,000 | 1,548 |
| Salaries and employee benefits | $1,739,000 | 1,429 |
| Premises and equipment expense | $539,000 | 1,199 |
| Additional noninterest expense | $623,000 | 2,084 |
| Pre-tax net operating income | $646,000 | 3,152 |
| Securities gains (losses) | $247,000 | 156 |
| Applicable income taxes | $301,000 | 2,024 |
| Income before extraordinary items | $592,000 | 2,769 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $592,000 | 2,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $428,980 | 3,495 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,659,000 | 2,009 |
| Total interest expense | $5,749,000 | 1,957 |
| Net interest income | $10,910,000 | 2,030 |
| Provision for loan and lease losses | $150,000 | 4,107 |
| Total noninterest income | $2,925,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $239,000 | 4,661 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,686,000 | 1,096 |
| Total noninterest expense | $11,305,000 | 1,521 |
| Salaries and employee benefits | $6,504,000 | 1,432 |
| Premises and equipment expense | $1,941,000 | 1,266 |
| Additional noninterest expense | $2,860,000 | 1,763 |
| Pre-tax net operating income | $2,380,000 | 3,260 |
| Securities gains (losses) | $651,000 | 244 |
| Applicable income taxes | $669,000 | 2,893 |
| Income before extraordinary items | $2,362,000 | 2,708 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,362,000 | 2,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,854,220 | 3,253 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,381,000 | 1,974 |
| Total interest expense | $4,161,000 | 1,921 |
| Net interest income | $8,220,000 | 2,009 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $2,214,000 | 1,630 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $173,000 | 4,778 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,041,000 | 1,104 |
| Total noninterest expense | $8,668,000 | 1,477 |
| Salaries and employee benefits | $4,869,000 | 1,419 |
| Premises and equipment expense | $1,460,000 | 1,250 |
| Additional noninterest expense | $2,339,000 | 1,598 |
| Pre-tax net operating income | $1,616,000 | 3,553 |
| Securities gains (losses) | $578,000 | 241 |
| Applicable income taxes | $432,000 | 3,196 |
| Income before extraordinary items | $1,762,000 | 2,741 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,762,000 | 2,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,995 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,299,600 | 3,440 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,159,000 | 1,943 |
| Total interest expense | $2,690,000 | 1,863 |
| Net interest income | $5,469,000 | 1,985 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $1,587,000 | 1,526 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,475,000 | 1,019 |
| Total noninterest expense | $5,916,000 | 1,432 |
| Salaries and employee benefits | $3,219,000 | 1,430 |
| Premises and equipment expense | $1,008,000 | 1,197 |
| Additional noninterest expense | $1,689,000 | 1,482 |
| Pre-tax net operating income | $990,000 | 3,736 |
| Securities gains (losses) | $492,000 | 221 |
| Applicable income taxes | $248,000 | 3,426 |
| Income before extraordinary items | $1,234,000 | 2,586 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,234,000 | 2,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,134 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $825,640 | 3,522 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,018,000 | 1,928 |
| Total interest expense | $1,313,000 | 1,810 |
| Net interest income | $2,705,000 | 1,992 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $741,000 | 1,583 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $52,000 | 4,904 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $689,000 | 1,056 |
| Total noninterest expense | $2,748,000 | 1,540 |
| Salaries and employee benefits | $1,579,000 | 1,472 |
| Premises and equipment expense | $522,000 | 1,161 |
| Additional noninterest expense | $647,000 | 1,893 |
| Pre-tax net operating income | $598,000 | 3,229 |
| Securities gains (losses) | $146,000 | 298 |
| Applicable income taxes | $199,000 | 2,605 |
| Income before extraordinary items | $545,000 | 2,832 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $545,000 | 2,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,991 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $438,420 | 3,350 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,881,000 | 1,809 |
| Total interest expense | $5,184,000 | 1,592 |
| Net interest income | $10,697,000 | 1,896 |
| Provision for loan and lease losses | $240,000 | 3,319 |
| Total noninterest income | $2,870,000 | 1,665 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $269,000 | 4,572 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,601,000 | 1,096 |
| Total noninterest expense | $10,234,000 | 1,591 |
| Salaries and employee benefits | $5,923,000 | 1,502 |
| Premises and equipment expense | $1,700,000 | 1,365 |
| Additional noninterest expense | $2,611,000 | 1,863 |
| Pre-tax net operating income | $3,093,000 | 2,525 |
| Securities gains (losses) | $258,000 | 707 |
| Applicable income taxes | $921,000 | 2,301 |
| Income before extraordinary items | $2,430,000 | 2,489 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,430,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,241,660 | 2,602 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,863,000 | 1,788 |
| Total interest expense | $3,846,000 | 1,575 |
| Net interest income | $8,017,000 | 1,880 |
| Provision for loan and lease losses | $160,000 | 3,409 |
| Total noninterest income | $2,091,000 | 1,712 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $203,000 | 4,598 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,888,000 | 1,131 |
| Total noninterest expense | $7,554,000 | 1,610 |
| Salaries and employee benefits | $4,374,000 | 1,516 |
| Premises and equipment expense | $1,250,000 | 1,385 |
| Additional noninterest expense | $1,930,000 | 1,856 |
| Pre-tax net operating income | $2,394,000 | 2,486 |
| Securities gains (losses) | $258,000 | 663 |
| Applicable income taxes | $758,000 | 2,189 |
| Income before extraordinary items | $1,894,000 | 2,435 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,894,000 | 2,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,710,820 | 2,594 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,941,000 | 1,768 |
| Total interest expense | $2,547,000 | 1,561 |
| Net interest income | $5,394,000 | 1,850 |
| Provision for loan and lease losses | $140,000 | 2,884 |
| Total noninterest income | $1,464,000 | 1,640 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $135,000 | 4,590 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,329,000 | 1,084 |
| Total noninterest expense | $4,944,000 | 1,635 |
| Salaries and employee benefits | $2,880,000 | 1,533 |
| Premises and equipment expense | $804,000 | 1,436 |
| Additional noninterest expense | $1,260,000 | 1,892 |
| Pre-tax net operating income | $1,774,000 | 2,255 |
| Securities gains (losses) | $162,000 | 745 |
| Applicable income taxes | $577,000 | 1,993 |
| Income before extraordinary items | $1,359,000 | 2,255 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,359,000 | 2,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,245,600 | 2,373 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,961,000 | 1,782 |
| Total interest expense | $1,281,000 | 1,564 |
| Net interest income | $2,680,000 | 1,863 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $725,000 | 1,619 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $69,000 | 4,450 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $656,000 | 1,065 |
| Total noninterest expense | $2,444,000 | 1,669 |
| Salaries and employee benefits | $1,420,000 | 1,578 |
| Premises and equipment expense | $398,000 | 1,469 |
| Additional noninterest expense | $626,000 | 1,884 |
| Pre-tax net operating income | $901,000 | 2,194 |
| Securities gains (losses) | $311,000 | 369 |
| Applicable income taxes | $393,000 | 1,577 |
| Income before extraordinary items | $819,000 | 1,912 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $819,000 | 1,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $607,520 | 2,388 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,440,000 | 1,735 |
| Total interest expense | $5,996,000 | 1,478 |
| Net interest income | $10,444,000 | 1,871 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $2,535,000 | 1,927 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $242,000 | 4,826 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,293,000 | 1,326 |
| Total noninterest expense | $9,152,000 | 1,738 |
| Salaries and employee benefits | $5,314,000 | 1,626 |
| Premises and equipment expense | $1,525,000 | 1,499 |
| Additional noninterest expense | $2,313,000 | 2,084 |
| Pre-tax net operating income | $3,587,000 | 2,172 |
| Securities gains (losses) | $277,000 | 1,103 |
| Applicable income taxes | $1,210,000 | 1,927 |
| Income before extraordinary items | $2,654,000 | 2,264 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,654,000 | 2,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,462,870 | 2,296 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,418,000 | 1,749 |
| Total interest expense | $4,649,000 | 1,497 |
| Net interest income | $7,769,000 | 1,894 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $1,905,000 | 1,979 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $176,000 | 4,927 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,729,000 | 1,383 |
| Total noninterest expense | $6,858,000 | 1,749 |
| Salaries and employee benefits | $3,971,000 | 1,635 |
| Premises and equipment expense | $1,140,000 | 1,504 |
| Additional noninterest expense | $1,747,000 | 2,045 |
| Pre-tax net operating income | $2,681,000 | 2,244 |
| Securities gains (losses) | $156,000 | 1,394 |
| Applicable income taxes | $895,000 | 2,032 |
| Income before extraordinary items | $1,942,000 | 2,402 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,942,000 | 2,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,835,920 | 2,379 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,376,000 | 1,743 |
| Total interest expense | $3,216,000 | 1,498 |
| Net interest income | $5,160,000 | 1,897 |
| Provision for loan and lease losses | $70,000 | 4,525 |
| Total noninterest income | $1,315,000 | 1,904 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $110,000 | 5,032 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,205,000 | 1,333 |
| Total noninterest expense | $4,634,000 | 1,727 |
| Salaries and employee benefits | $2,684,000 | 1,599 |
| Premises and equipment expense | $772,000 | 1,483 |
| Additional noninterest expense | $1,178,000 | 2,032 |
| Pre-tax net operating income | $1,771,000 | 2,271 |
| Securities gains (losses) | $40,000 | 2,170 |
| Applicable income taxes | $570,000 | 2,119 |
| Income before extraordinary items | $1,241,000 | 2,500 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,241,000 | 2,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,213,400 | 2,396 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,263,000 | 1,733 |
| Total interest expense | $1,681,000 | 1,476 |
| Net interest income | $2,582,000 | 1,890 |
| Provision for loan and lease losses | $35,000 | 4,303 |
| Total noninterest income | $625,000 | 1,936 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $53,000 | 5,050 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $572,000 | 1,350 |
| Total noninterest expense | $2,346,000 | 1,690 |
| Salaries and employee benefits | $1,354,000 | 1,574 |
| Premises and equipment expense | $406,000 | 1,428 |
| Additional noninterest expense | $586,000 | 2,005 |
| Pre-tax net operating income | $826,000 | 2,404 |
| Securities gains (losses) | $-70,000 | 9,241 |
| Applicable income taxes | $222,000 | 2,526 |
| Income before extraordinary items | $534,000 | 2,805 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $534,000 | 2,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $583,700 | 2,471 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,346,000 | 1,784 |
| Total interest expense | $7,506,000 | 1,512 |
| Net interest income | $9,840,000 | 1,967 |
| Provision for loan and lease losses | $-463,000 | 9,331 |
| Total noninterest income | $2,366,000 | 1,871 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $232,000 | 4,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,134,000 | 1,254 |
| Total noninterest expense | $8,634,000 | 1,751 |
| Salaries and employee benefits | $4,900,000 | 1,643 |
| Premises and equipment expense | $1,510,000 | 1,464 |
| Additional noninterest expense | $2,224,000 | 2,082 |
| Pre-tax net operating income | $4,035,000 | 1,978 |
| Securities gains (losses) | $-581,000 | 9,273 |
| Applicable income taxes | $981,000 | 2,244 |
| Income before extraordinary items | $2,473,000 | 2,375 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,473,000 | 2,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,374 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,891,320 | 2,003 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,008,000 | 2,013 |
| Total interest expense | $8,801,000 | 1,837 |
| Net interest income | $8,207,000 | 2,190 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $1,915,000 | 2,084 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $195,000 | 5,225 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,720,000 | 1,382 |
| Total noninterest expense | $7,758,000 | 1,869 |
| Salaries and employee benefits | $4,437,000 | 1,700 |
| Premises and equipment expense | $1,415,000 | 1,525 |
| Additional noninterest expense | $1,906,000 | 2,343 |
| Pre-tax net operating income | $2,184,000 | 2,975 |
| Securities gains (losses) | $210,000 | 1,157 |
| Applicable income taxes | $692,000 | 2,696 |
| Income before extraordinary items | $1,702,000 | 2,929 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,702,000 | 2,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,552,900 | 3,047 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,752,000 | 2,228 |
| Total interest expense | $8,369,000 | 2,054 |
| Net interest income | $7,383,000 | 2,404 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $996,000 | 3,142 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $164,000 | 5,573 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $832,000 | 2,105 |
| Total noninterest expense | $6,552,000 | 2,103 |
| Salaries and employee benefits | $3,545,000 | 2,008 |
| Premises and equipment expense | $1,171,000 | 1,790 |
| Additional noninterest expense | $1,836,000 | 2,341 |
| Pre-tax net operating income | $1,627,000 | 3,844 |
| Securities gains (losses) | $506,000 | 263 |
| Applicable income taxes | $689,000 | 2,819 |
| Income before extraordinary items | $1,444,000 | 3,352 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,444,000 | 3,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,099,920 | 4,109 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,472,000 | 2,428 |
| Total interest expense | $7,069,000 | 2,110 |
| Net interest income | $6,403,000 | 2,741 |
| Provision for loan and lease losses | $25,000 | 7,415 |
| Total noninterest income | $433,000 | 5,382 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $169,000 | 5,546 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $264,000 | 4,319 |
| Total noninterest expense | $5,364,000 | 2,524 |
| Salaries and employee benefits | $2,957,000 | 2,374 |
| Premises and equipment expense | $918,000 | 2,226 |
| Additional noninterest expense | $1,489,000 | 2,885 |
| Pre-tax net operating income | $1,447,000 | 4,195 |
| Securities gains (losses) | $387,000 | 396 |
| Applicable income taxes | $494,000 | 3,673 |
| Income before extraordinary items | $1,340,000 | 3,550 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,340,000 | 3,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-103,000 | 10,044 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,057,490 | 4,212 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,599,000 | 2,590 |
| Total interest expense | $6,843,000 | 2,215 |
| Net interest income | $5,756,000 | 2,997 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $391,000 | 5,696 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $161,000 | 5,733 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $230,000 | 4,619 |
| Total noninterest expense | $4,585,000 | 2,824 |
| Salaries and employee benefits | $2,506,000 | 2,711 |
| Premises and equipment expense | $694,000 | 2,785 |
| Additional noninterest expense | $1,385,000 | 2,980 |
| Pre-tax net operating income | $1,562,000 | 4,056 |
| Securities gains (losses) | $466,000 | 580 |
| Applicable income taxes | $633,000 | 3,267 |
| Income before extraordinary items | $1,395,000 | 3,451 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,395,000 | 3,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-103,000 | 10,257 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,073,460 | 4,166 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,775,000 | 2,786 |
| Total interest expense | $5,943,000 | 2,512 |
| Net interest income | $5,832,000 | 2,994 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $447,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $177,000 | 5,707 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $270,000 | 4,175 |
| Total noninterest expense | $4,225,000 | 3,017 |
| Salaries and employee benefits | $2,460,000 | 2,692 |
| Premises and equipment expense | $547,000 | 3,427 |
| Additional noninterest expense | $1,218,000 | 3,315 |
| Pre-tax net operating income | $2,054,000 | 3,446 |
| Securities gains (losses) | $308,000 | 562 |
| Applicable income taxes | $918,000 | 2,615 |
| Income before extraordinary items | $1,444,000 | 3,464 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,444,000 | 3,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 1,537 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,246,880 | 3,858 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,470,000 | 2,885 |
| Total interest expense | $5,680,000 | 2,675 |
| Net interest income | $5,790,000 | 3,058 |
| Provision for loan and lease losses | $845,000 | 1,163 |
| Total noninterest income | $327,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $189,000 | 5,756 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $138,000 | 6,206 |
| Total noninterest expense | $4,005,000 | 3,343 |
| Salaries and employee benefits | $2,306,000 | 2,896 |
| Premises and equipment expense | $508,000 | 3,735 |
| Additional noninterest expense | $1,191,000 | 3,808 |
| Pre-tax net operating income | $1,267,000 | 4,929 |
| Securities gains (losses) | $336,000 | 526 |
| Applicable income taxes | $604,000 | 3,559 |
| Income before extraordinary items | $999,000 | 4,521 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $999,000 | 4,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $783,960 | 5,319 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,137,000 | 2,979 |
| Total interest expense | $5,116,000 | 2,965 |
| Net interest income | $6,021,000 | 2,961 |
| Provision for loan and lease losses | $305,000 | 2,249 |
| Total noninterest income | $340,000 | 6,600 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $202,000 | 5,657 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $138,000 | 6,215 |
| Total noninterest expense | $3,825,000 | 3,462 |
| Salaries and employee benefits | $2,210,000 | 3,012 |
| Premises and equipment expense | $442,000 | 4,167 |
| Additional noninterest expense | $1,173,000 | 3,810 |
| Pre-tax net operating income | $2,231,000 | 3,175 |
| Securities gains (losses) | $84,000 | 1,039 |
| Applicable income taxes | $523,000 | 4,052 |
| Income before extraordinary items | $1,792,000 | 2,758 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,792,000 | 2,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,894 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,727,320 | 2,816 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,201,000 | 2,988 |
| Total interest expense | $4,060,000 | 2,999 |
| Net interest income | $6,141,000 | 2,940 |
| Provision for loan and lease losses | $204,000 | 2,977 |
| Total noninterest income | $378,000 | 6,357 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $182,000 | 6,224 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $196,000 | 5,349 |
| Total noninterest expense | $4,118,000 | 3,331 |
| Salaries and employee benefits | $2,246,000 | 2,950 |
| Premises and equipment expense | $468,000 | 4,029 |
| Additional noninterest expense | $1,404,000 | 3,521 |
| Pre-tax net operating income | $2,197,000 | 3,181 |
| Securities gains (losses) | $100,000 | 778 |
| Applicable income taxes | $944,000 | 2,363 |
| Income before extraordinary items | $1,353,000 | 3,467 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,353,000 | 3,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,872 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,289,000 | 3,657 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,130,000 | 3,042 |
| Total interest expense | $4,337,000 | 2,944 |
| Net interest income | $5,793,000 | 3,128 |
| Provision for loan and lease losses | $96,000 | 5,869 |
| Total noninterest income | $549,000 | 5,258 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $218,000 | 5,642 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $331,000 | 4,233 |
| Total noninterest expense | $4,226,000 | 3,320 |
| Salaries and employee benefits | $2,108,000 | 3,112 |
| Premises and equipment expense | $467,000 | 4,108 |
| Additional noninterest expense | $1,651,000 | 3,228 |
| Pre-tax net operating income | $2,020,000 | 3,279 |
| Securities gains (losses) | $252,000 | 1,450 |
| Applicable income taxes | $1,000,000 | 2,261 |
| Income before extraordinary items | $1,272,000 | 3,793 |
| Extraordinary gains, net | $175,000 | 1,102 |
| Net income | $1,447,000 | 3,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 7,224 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,110,720 | 4,071 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,678,000 | 3,279 |
| Total interest expense | $5,379,000 | 3,089 |
| Net interest income | $5,299,000 | 3,438 |
| Provision for loan and lease losses | $231,000 | 4,835 |
| Total noninterest income | $474,000 | 5,854 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $213,000 | 5,752 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $261,000 | 4,830 |
| Total noninterest expense | $3,795,000 | 3,664 |
| Salaries and employee benefits | $2,006,000 | 3,199 |
| Premises and equipment expense | $459,000 | 4,278 |
| Additional noninterest expense | $1,330,000 | 3,966 |
| Pre-tax net operating income | $1,747,000 | 3,525 |
| Securities gains (losses) | $36,000 | 4,684 |
| Applicable income taxes | $672,000 | 3,106 |
| Income before extraordinary items | $1,111,000 | 4,089 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,111,000 | 4,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 5,553 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,087,960 | 3,864 |
* 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.