Home > Strata Bank > Income and Expense
Strata Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,646,000 | 1,824 |
| Total interest expense | $4,581,000 | 1,457 |
| Net interest income | $5,065,000 | 2,155 |
| Provision for loan and lease losses | $3,482,000 | 987 |
| Total noninterest income | $-1,228,000 | 8,148 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $346,000 | 2,261 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-1,574,000 | 8,148 |
| Total noninterest expense | $6,568,000 | 1,589 |
| Salaries and employee benefits | $3,102,000 | 1,648 |
| Premises and equipment expense | $989,000 | 1,413 |
| Additional noninterest expense | $2,477,000 | 1,493 |
| Pre-tax net operating income | $-6,213,000 | 7,800 |
| Securities gains (losses) | $69,000 | 1,708 |
| Applicable income taxes | $-2,446,000 | 7,933 |
| Income before extraordinary items | $-3,698,000 | 7,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,698,000 | 7,693 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,698,000 | 7,693 |
| Net charge-offs | $324,000 | 2,846 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,742,160 | 7,707 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,921,000 | 1,818 |
| Total interest expense | $2,412,000 | 1,431 |
| Net interest income | $2,509,000 | 2,188 |
| Provision for loan and lease losses | $135,000 | 3,447 |
| Total noninterest income | $459,000 | 2,268 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $170,000 | 2,235 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $289,000 | 2,012 |
| Total noninterest expense | $3,138,000 | 1,606 |
| Salaries and employee benefits | $1,485,000 | 1,749 |
| Premises and equipment expense | $505,000 | 1,402 |
| Additional noninterest expense | $1,148,000 | 1,421 |
| Pre-tax net operating income | $-305,000 | 7,071 |
| Securities gains (losses) | $4,000 | 2,106 |
| Applicable income taxes | $2,000 | 4,551 |
| Income before extraordinary items | $-303,000 | 7,212 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-303,000 | 7,212 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-303,000 | 7,213 |
| Net charge-offs | $75,000 | 3,171 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-307,000 | 7,164 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,879,000 | 1,682 |
| Total interest expense | $11,480,000 | 1,427 |
| Net interest income | $11,399,000 | 1,947 |
| Provision for loan and lease losses | $4,540,000 | 1,071 |
| Total noninterest income | $1,790,000 | 2,315 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $705,000 | 2,332 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,085,000 | 2,014 |
| Total noninterest expense | $12,833,000 | 1,521 |
| Salaries and employee benefits | $6,016,000 | 1,700 |
| Premises and equipment expense | $2,005,000 | 1,374 |
| Additional noninterest expense | $4,812,000 | 1,311 |
| Pre-tax net operating income | $-4,184,000 | 7,733 |
| Securities gains (losses) | $-8,771,000 | 8,155 |
| Applicable income taxes | $-4,856,000 | 8,099 |
| Income before extraordinary items | $-8,099,000 | 7,951 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-8,099,000 | 7,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,789,000 | 845 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,485,560 | 7,590 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,476,000 | 1,696 |
| Total interest expense | $8,822,000 | 1,445 |
| Net interest income | $8,654,000 | 1,957 |
| Provision for loan and lease losses | $4,310,000 | 711 |
| Total noninterest income | $1,356,000 | 2,372 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $513,000 | 2,400 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $843,000 | 2,049 |
| Total noninterest expense | $9,531,000 | 1,532 |
| Salaries and employee benefits | $4,603,000 | 1,690 |
| Premises and equipment expense | $1,520,000 | 1,366 |
| Additional noninterest expense | $3,408,000 | 1,327 |
| Pre-tax net operating income | $-3,831,000 | 8,074 |
| Securities gains (losses) | $-8,467,000 | 8,266 |
| Applicable income taxes | $-2,126,000 | 8,193 |
| Income before extraordinary items | $-10,172,000 | 8,218 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-10,172,000 | 8,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,652,000 | 556 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,144,390 | 8,086 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,814,000 | 1,704 |
| Total interest expense | $6,093,000 | 1,449 |
| Net interest income | $5,721,000 | 1,958 |
| Provision for loan and lease losses | $4,020,000 | 503 |
| Total noninterest income | $907,000 | 2,402 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $348,000 | 2,364 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $559,000 | 2,083 |
| Total noninterest expense | $6,225,000 | 1,555 |
| Salaries and employee benefits | $3,056,000 | 1,707 |
| Premises and equipment expense | $1,019,000 | 1,358 |
| Additional noninterest expense | $2,150,000 | 1,369 |
| Pre-tax net operating income | $-3,617,000 | 8,255 |
| Securities gains (losses) | $113,000 | 886 |
| Applicable income taxes | $-1,282,000 | 8,291 |
| Income before extraordinary items | $-2,222,000 | 8,234 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,222,000 | 8,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,536,000 | 379 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,294,320 | 8,232 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,020,000 | 1,713 |
| Total interest expense | $3,185,000 | 1,475 |
| Net interest income | $2,835,000 | 1,972 |
| Provision for loan and lease losses | $145,000 | 2,228 |
| Total noninterest income | $460,000 | 2,352 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $168,000 | 2,389 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $292,000 | 2,010 |
| Total noninterest expense | $3,024,000 | 1,605 |
| Salaries and employee benefits | $1,485,000 | 1,771 |
| Premises and equipment expense | $505,000 | 1,373 |
| Additional noninterest expense | $1,034,000 | 1,389 |
| Pre-tax net operating income | $126,000 | 5,703 |
| Securities gains (losses) | $152,000 | 537 |
| Applicable income taxes | $38,000 | 3,830 |
| Income before extraordinary items | $240,000 | 4,280 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $240,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,596 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $109,280 | 5,624 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,125,000 | 1,766 |
| Total interest expense | $13,366,000 | 1,499 |
| Net interest income | $10,759,000 | 2,096 |
| Provision for loan and lease losses | $1,095,000 | 1,332 |
| Total noninterest income | $1,804,000 | 2,378 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $722,000 | 2,315 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,082,000 | 2,115 |
| Total noninterest expense | $11,422,000 | 1,615 |
| Salaries and employee benefits | $5,664,000 | 1,782 |
| Premises and equipment expense | $2,039,000 | 1,307 |
| Additional noninterest expense | $3,719,000 | 1,492 |
| Pre-tax net operating income | $46,000 | 7,301 |
| Securities gains (losses) | $347,000 | 326 |
| Applicable income taxes | $-35,000 | 7,898 |
| Income before extraordinary items | $428,000 | 5,959 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $428,000 | 5,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,618,000 | 718 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 1,045 |
| Net operating income | $81,000 | 7,188 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,127,000 | 1,770 |
| Total interest expense | $10,071,000 | 1,498 |
| Net interest income | $8,056,000 | 2,119 |
| Provision for loan and lease losses | $635,000 | 1,298 |
| Total noninterest income | $1,360,000 | 2,370 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $520,000 | 2,365 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $840,000 | 2,064 |
| Total noninterest expense | $8,447,000 | 1,617 |
| Salaries and employee benefits | $4,277,000 | 1,760 |
| Premises and equipment expense | $1,544,000 | 1,284 |
| Additional noninterest expense | $2,626,000 | 1,539 |
| Pre-tax net operating income | $334,000 | 6,431 |
| Securities gains (losses) | $238,000 | 345 |
| Applicable income taxes | $72,000 | 4,697 |
| Income before extraordinary items | $500,000 | 5,383 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $500,000 | 5,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $601,000 | 936 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 870 |
| Net operating income | $292,940 | 6,348 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,158,000 | 1,779 |
| Total interest expense | $6,678,000 | 1,502 |
| Net interest income | $5,480,000 | 2,113 |
| Provision for loan and lease losses | $115,000 | 3,098 |
| Total noninterest income | $882,000 | 2,424 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $320,000 | 2,526 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $562,000 | 2,084 |
| Total noninterest expense | $5,515,000 | 1,676 |
| Salaries and employee benefits | $2,760,000 | 1,862 |
| Premises and equipment expense | $1,051,000 | 1,271 |
| Additional noninterest expense | $1,704,000 | 1,589 |
| Pre-tax net operating income | $732,000 | 4,215 |
| Securities gains (losses) | $146,000 | 353 |
| Applicable income taxes | $210,000 | 3,195 |
| Income before extraordinary items | $668,000 | 3,934 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $668,000 | 3,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,001 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 715 |
| Net operating income | $557,040 | 4,314 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,058,000 | 1,777 |
| Total interest expense | $3,328,000 | 1,494 |
| Net interest income | $2,730,000 | 2,120 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $403,000 | 2,553 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $137,000 | 2,783 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $266,000 | 2,127 |
| Total noninterest expense | $2,659,000 | 1,742 |
| Salaries and employee benefits | $1,442,000 | 1,792 |
| Premises and equipment expense | $428,000 | 1,568 |
| Additional noninterest expense | $789,000 | 1,700 |
| Pre-tax net operating income | $464,000 | 3,680 |
| Securities gains (losses) | $41,000 | 443 |
| Applicable income taxes | $146,000 | 2,769 |
| Income before extraordinary items | $359,000 | 3,751 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $359,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,426 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 492 |
| Net operating income | $329,890 | 3,941 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,952,000 | 1,757 |
| Total interest expense | $11,498,000 | 1,465 |
| Net interest income | $11,454,000 | 2,026 |
| Provision for loan and lease losses | $701,000 | 1,412 |
| Total noninterest income | $1,653,000 | 2,528 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $590,000 | 2,722 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,063,000 | 2,134 |
| Total noninterest expense | $10,132,000 | 1,759 |
| Salaries and employee benefits | $5,562,000 | 1,758 |
| Premises and equipment expense | $1,406,000 | 1,800 |
| Additional noninterest expense | $3,164,000 | 1,660 |
| Pre-tax net operating income | $2,274,000 | 3,358 |
| Securities gains (losses) | $373,000 | 289 |
| Applicable income taxes | $899,000 | 2,332 |
| Income before extraordinary items | $1,748,000 | 3,421 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,748,000 | 3,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,358 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $342,000 | 656 |
| Net operating income | $1,501,820 | 3,755 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,879,000 | 1,784 |
| Total interest expense | $8,242,000 | 1,483 |
| Net interest income | $8,637,000 | 2,029 |
| Provision for loan and lease losses | $473,000 | 1,462 |
| Total noninterest income | $1,234,000 | 2,553 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $443,000 | 2,728 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $791,000 | 2,142 |
| Total noninterest expense | $7,637,000 | 1,741 |
| Salaries and employee benefits | $4,192,000 | 1,748 |
| Premises and equipment expense | $1,062,000 | 1,792 |
| Additional noninterest expense | $2,383,000 | 1,655 |
| Pre-tax net operating income | $1,761,000 | 3,400 |
| Securities gains (losses) | $177,000 | 348 |
| Applicable income taxes | $676,000 | 2,422 |
| Income before extraordinary items | $1,262,000 | 3,609 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,262,000 | 3,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $293,000 | 527 |
| Net operating income | $1,146,950 | 3,835 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,881,000 | 1,814 |
| Total interest expense | $5,157,000 | 1,510 |
| Net interest income | $5,724,000 | 2,045 |
| Provision for loan and lease losses | $173,000 | 2,372 |
| Total noninterest income | $797,000 | 2,595 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $294,000 | 2,703 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $503,000 | 2,202 |
| Total noninterest expense | $5,022,000 | 1,769 |
| Salaries and employee benefits | $2,699,000 | 1,824 |
| Premises and equipment expense | $709,000 | 1,787 |
| Additional noninterest expense | $1,614,000 | 1,634 |
| Pre-tax net operating income | $1,326,000 | 3,143 |
| Securities gains (losses) | $142,000 | 307 |
| Applicable income taxes | $518,000 | 2,250 |
| Income before extraordinary items | $950,000 | 3,331 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $950,000 | 3,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,940 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $246,000 | 410 |
| Net operating income | $857,700 | 3,558 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,259,000 | 1,828 |
| Total interest expense | $2,357,000 | 1,554 |
| Net interest income | $2,902,000 | 2,002 |
| Provision for loan and lease losses | $88,000 | 2,247 |
| Total noninterest income | $379,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $142,000 | 2,709 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $237,000 | 2,260 |
| Total noninterest expense | $2,568,000 | 1,740 |
| Salaries and employee benefits | $1,434,000 | 1,719 |
| Premises and equipment expense | $364,000 | 1,752 |
| Additional noninterest expense | $770,000 | 1,699 |
| Pre-tax net operating income | $625,000 | 3,220 |
| Securities gains (losses) | $71,000 | 295 |
| Applicable income taxes | $245,000 | 2,299 |
| Income before extraordinary items | $451,000 | 3,408 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $451,000 | 3,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,977 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 412 |
| Net operating income | $404,850 | 3,672 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,823,000 | 1,795 |
| Total interest expense | $6,939,000 | 1,644 |
| Net interest income | $11,884,000 | 1,850 |
| Provision for loan and lease losses | $416,000 | 2,213 |
| Total noninterest income | $1,594,000 | 2,590 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $616,000 | 2,612 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $978,000 | 2,249 |
| Total noninterest expense | $9,611,000 | 1,767 |
| Salaries and employee benefits | $5,296,000 | 1,756 |
| Premises and equipment expense | $1,450,000 | 1,687 |
| Additional noninterest expense | $2,865,000 | 1,761 |
| Pre-tax net operating income | $3,451,000 | 2,485 |
| Securities gains (losses) | $306,000 | 405 |
| Applicable income taxes | $1,309,000 | 1,878 |
| Income before extraordinary items | $2,448,000 | 2,644 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,448,000 | 2,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,989 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $174,000 | 664 |
| Net operating income | $2,249,100 | 2,757 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,722,000 | 1,790 |
| Total interest expense | $4,863,000 | 1,659 |
| Net interest income | $8,859,000 | 1,848 |
| Provision for loan and lease losses | $348,000 | 1,957 |
| Total noninterest income | $1,187,000 | 2,604 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $461,000 | 2,607 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $726,000 | 2,267 |
| Total noninterest expense | $7,115,000 | 1,772 |
| Salaries and employee benefits | $3,907,000 | 1,773 |
| Premises and equipment expense | $1,090,000 | 1,675 |
| Additional noninterest expense | $2,118,000 | 1,763 |
| Pre-tax net operating income | $2,583,000 | 2,508 |
| Securities gains (losses) | $300,000 | 390 |
| Applicable income taxes | $998,000 | 1,882 |
| Income before extraordinary items | $1,885,000 | 2,591 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,885,000 | 2,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,700 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 533 |
| Net operating income | $1,690,000 | 2,804 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,928,000 | 1,781 |
| Total interest expense | $3,088,000 | 1,644 |
| Net interest income | $5,840,000 | 1,861 |
| Provision for loan and lease losses | $216,000 | 2,022 |
| Total noninterest income | $805,000 | 2,526 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $307,000 | 2,576 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $498,000 | 2,187 |
| Total noninterest expense | $4,688,000 | 1,781 |
| Salaries and employee benefits | $2,560,000 | 1,789 |
| Premises and equipment expense | $741,000 | 1,624 |
| Additional noninterest expense | $1,387,000 | 1,778 |
| Pre-tax net operating income | $1,741,000 | 2,430 |
| Securities gains (losses) | $59,000 | 736 |
| Applicable income taxes | $631,000 | 1,926 |
| Income before extraordinary items | $1,169,000 | 2,714 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,169,000 | 2,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $85,000 | 447 |
| Net operating income | $1,130,650 | 2,762 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,392,000 | 1,778 |
| Total interest expense | $1,486,000 | 1,605 |
| Net interest income | $2,906,000 | 1,842 |
| Provision for loan and lease losses | $89,000 | 2,296 |
| Total noninterest income | $365,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $152,000 | 2,533 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $213,000 | 2,386 |
| Total noninterest expense | $2,375,000 | 1,762 |
| Salaries and employee benefits | $1,310,000 | 1,765 |
| Premises and equipment expense | $377,000 | 1,613 |
| Additional noninterest expense | $688,000 | 1,796 |
| Pre-tax net operating income | $807,000 | 2,552 |
| Securities gains (losses) | $37,000 | 631 |
| Applicable income taxes | $281,000 | 2,075 |
| Income before extraordinary items | $563,000 | 2,759 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $563,000 | 2,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,867 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 333 |
| Net operating income | $538,210 | 2,823 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,187,000 | 1,770 |
| Total interest expense | $5,315,000 | 1,545 |
| Net interest income | $10,872,000 | 1,861 |
| Provision for loan and lease losses | $343,000 | 2,663 |
| Total noninterest income | $1,789,000 | 2,378 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $655,000 | 2,525 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,134,000 | 1,982 |
| Total noninterest expense | $9,475,000 | 1,709 |
| Salaries and employee benefits | $5,131,000 | 1,726 |
| Premises and equipment expense | $1,454,000 | 1,597 |
| Additional noninterest expense | $2,890,000 | 1,692 |
| Pre-tax net operating income | $2,843,000 | 2,707 |
| Securities gains (losses) | $38,000 | 1,945 |
| Applicable income taxes | $912,000 | 2,310 |
| Income before extraordinary items | $1,969,000 | 2,959 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,969,000 | 2,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,762 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 587 |
| Net operating income | $1,943,160 | 2,930 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,948,000 | 1,774 |
| Total interest expense | $3,884,000 | 1,564 |
| Net interest income | $8,064,000 | 1,867 |
| Provision for loan and lease losses | $235,000 | 2,682 |
| Total noninterest income | $1,370,000 | 2,351 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $495,000 | 2,521 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $875,000 | 1,956 |
| Total noninterest expense | $7,173,000 | 1,674 |
| Salaries and employee benefits | $3,862,000 | 1,708 |
| Premises and equipment expense | $1,111,000 | 1,570 |
| Additional noninterest expense | $2,200,000 | 1,642 |
| Pre-tax net operating income | $2,026,000 | 2,848 |
| Securities gains (losses) | $25,000 | 2,158 |
| Applicable income taxes | $645,000 | 2,450 |
| Income before extraordinary items | $1,406,000 | 3,132 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,406,000 | 3,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,805 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 487 |
| Net operating income | $1,388,750 | 3,085 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,922,000 | 1,773 |
| Total interest expense | $2,568,000 | 1,547 |
| Net interest income | $5,354,000 | 1,868 |
| Provision for loan and lease losses | $132,000 | 2,955 |
| Total noninterest income | $978,000 | 2,233 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $335,000 | 2,483 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $643,000 | 1,823 |
| Total noninterest expense | $4,843,000 | 1,666 |
| Salaries and employee benefits | $2,569,000 | 1,711 |
| Premises and equipment expense | $756,000 | 1,538 |
| Additional noninterest expense | $1,518,000 | 1,592 |
| Pre-tax net operating income | $1,357,000 | 2,795 |
| Securities gains (losses) | $-13,000 | 8,727 |
| Applicable income taxes | $419,000 | 2,485 |
| Income before extraordinary items | $925,000 | 3,136 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $925,000 | 3,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 415 |
| Net operating income | $933,970 | 3,019 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,975,000 | 1,777 |
| Total interest expense | $1,267,000 | 1,587 |
| Net interest income | $2,708,000 | 1,840 |
| Provision for loan and lease losses | $56,000 | 3,163 |
| Total noninterest income | $594,000 | 1,902 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $164,000 | 2,483 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $430,000 | 1,452 |
| Total noninterest expense | $2,423,000 | 1,683 |
| Salaries and employee benefits | $1,292,000 | 1,721 |
| Premises and equipment expense | $421,000 | 1,385 |
| Additional noninterest expense | $710,000 | 1,674 |
| Pre-tax net operating income | $823,000 | 2,368 |
| Securities gains (losses) | $-50,000 | 9,035 |
| Applicable income taxes | $248,000 | 2,216 |
| Income before extraordinary items | $525,000 | 2,822 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $525,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,661 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 307 |
| Net operating income | $559,000 | 2,587 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,212,000 | 1,862 |
| Total interest expense | $5,063,000 | 1,766 |
| Net interest income | $10,149,000 | 1,919 |
| Provision for loan and lease losses | $597,000 | 1,889 |
| Total noninterest income | $1,426,000 | 2,947 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,040,000 | 1,653 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $386,000 | 4,047 |
| Total noninterest expense | $8,392,000 | 1,888 |
| Salaries and employee benefits | $4,307,000 | 1,991 |
| Premises and equipment expense | $1,487,000 | 1,533 |
| Additional noninterest expense | $2,598,000 | 1,860 |
| Pre-tax net operating income | $2,586,000 | 2,816 |
| Securities gains (losses) | $113,000 | 1,785 |
| Applicable income taxes | $848,000 | 2,429 |
| Income before extraordinary items | $1,851,000 | 3,037 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,851,000 | 3,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,900 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $1,139,000 | 402 |
| Net operating income | $1,773,030 | 2,990 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,231,000 | 1,929 |
| Total interest expense | $3,833,000 | 1,819 |
| Net interest income | $7,398,000 | 1,991 |
| Provision for loan and lease losses | $440,000 | 1,885 |
| Total noninterest income | $1,065,000 | 3,001 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $787,000 | 1,639 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $278,000 | 4,169 |
| Total noninterest expense | $6,208,000 | 1,917 |
| Salaries and employee benefits | $3,215,000 | 2,005 |
| Premises and equipment expense | $1,112,000 | 1,540 |
| Additional noninterest expense | $1,881,000 | 1,907 |
| Pre-tax net operating income | $1,815,000 | 3,058 |
| Securities gains (losses) | $46,000 | 2,381 |
| Applicable income taxes | $580,000 | 2,739 |
| Income before extraordinary items | $1,281,000 | 3,322 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,281,000 | 3,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,724 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $1,097,000 | 297 |
| Net operating income | $1,249,260 | 3,223 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,527,000 | 1,930 |
| Total interest expense | $2,639,000 | 1,824 |
| Net interest income | $4,888,000 | 1,999 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $709,000 | 2,979 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $531,000 | 1,592 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $178,000 | 4,250 |
| Total noninterest expense | $4,024,000 | 1,960 |
| Salaries and employee benefits | $2,045,000 | 2,079 |
| Premises and equipment expense | $734,000 | 1,557 |
| Additional noninterest expense | $1,245,000 | 1,924 |
| Pre-tax net operating income | $1,273,000 | 2,945 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $393,000 | 2,724 |
| Income before extraordinary items | $887,000 | 3,245 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $887,000 | 3,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,935 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $1,062,000 | 196 |
| Net operating income | $882,170 | 3,087 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,778,000 | 1,940 |
| Total interest expense | $1,358,000 | 1,827 |
| Net interest income | $2,420,000 | 2,030 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $342,000 | 2,953 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $263,000 | 1,567 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $79,000 | 4,363 |
| Total noninterest expense | $2,005,000 | 1,955 |
| Salaries and employee benefits | $1,008,000 | 2,098 |
| Premises and equipment expense | $376,000 | 1,527 |
| Additional noninterest expense | $621,000 | 1,887 |
| Pre-tax net operating income | $607,000 | 3,053 |
| Securities gains (losses) | $6,000 | 2,344 |
| Applicable income taxes | $203,000 | 2,671 |
| Income before extraordinary items | $410,000 | 3,398 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $410,000 | 3,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 297 |
| Net operating income | $405,980 | 3,258 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,928,000 | 1,935 |
| Total interest expense | $6,819,000 | 1,676 |
| Net interest income | $9,109,000 | 2,130 |
| Provision for loan and lease losses | $465,000 | 2,518 |
| Total noninterest income | $1,602,000 | 2,513 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $612,000 | 2,532 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $990,000 | 2,199 |
| Total noninterest expense | $8,008,000 | 1,881 |
| Salaries and employee benefits | $3,935,000 | 2,030 |
| Premises and equipment expense | $1,556,000 | 1,414 |
| Additional noninterest expense | $2,517,000 | 1,841 |
| Pre-tax net operating income | $2,238,000 | 3,144 |
| Securities gains (losses) | $-258,000 | 9,213 |
| Applicable income taxes | $654,000 | 2,972 |
| Income before extraordinary items | $1,326,000 | 3,838 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,326,000 | 3,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,417 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 648 |
| Net operating income | $1,498,860 | 3,403 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,894,000 | 2,170 |
| Total interest expense | $8,076,000 | 2,003 |
| Net interest income | $7,818,000 | 2,288 |
| Provision for loan and lease losses | $235,000 | 3,803 |
| Total noninterest income | $1,586,000 | 2,403 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $584,000 | 2,490 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,002,000 | 2,040 |
| Total noninterest expense | $7,801,000 | 1,855 |
| Salaries and employee benefits | $3,650,000 | 2,063 |
| Premises and equipment expense | $1,650,000 | 1,299 |
| Additional noninterest expense | $2,501,000 | 1,831 |
| Pre-tax net operating income | $1,368,000 | 4,100 |
| Securities gains (losses) | $356,000 | 795 |
| Applicable income taxes | $555,000 | 3,123 |
| Income before extraordinary items | $1,169,000 | 3,880 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,169,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 701 |
| Net operating income | $926,920 | 4,369 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,827,000 | 2,361 |
| Total interest expense | $8,005,000 | 2,143 |
| Net interest income | $6,822,000 | 2,607 |
| Provision for loan and lease losses | $258,000 | 3,168 |
| Total noninterest income | $1,253,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $512,000 | 2,643 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $741,000 | 2,261 |
| Total noninterest expense | $7,087,000 | 1,963 |
| Salaries and employee benefits | $3,431,000 | 2,077 |
| Premises and equipment expense | $1,519,000 | 1,345 |
| Additional noninterest expense | $2,137,000 | 2,030 |
| Pre-tax net operating income | $730,000 | 6,114 |
| Securities gains (losses) | $393,000 | 296 |
| Applicable income taxes | $373,000 | 4,142 |
| Income before extraordinary items | $750,000 | 5,235 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $750,000 | 5,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,582 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 792 |
| Net operating income | $486,690 | 6,406 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,730,000 | 2,754 |
| Total interest expense | $5,593,000 | 2,635 |
| Net interest income | $6,137,000 | 2,865 |
| Provision for loan and lease losses | $208,000 | 3,472 |
| Total noninterest income | $929,000 | 3,276 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $391,000 | 3,273 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $538,000 | 2,824 |
| Total noninterest expense | $5,902,000 | 2,310 |
| Salaries and employee benefits | $2,812,000 | 2,495 |
| Premises and equipment expense | $1,219,000 | 1,677 |
| Additional noninterest expense | $1,871,000 | 2,334 |
| Pre-tax net operating income | $956,000 | 5,435 |
| Securities gains (losses) | $582,000 | 314 |
| Applicable income taxes | $526,000 | 3,525 |
| Income before extraordinary items | $1,012,000 | 4,398 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,012,000 | 4,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,687 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 833 |
| Net operating income | $627,880 | 5,734 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,449,000 | 3,399 |
| Total interest expense | $4,649,000 | 3,201 |
| Net interest income | $4,800,000 | 3,537 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $774,000 | 3,713 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $409,000 | 3,077 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $365,000 | 3,618 |
| Total noninterest expense | $4,582,000 | 2,825 |
| Salaries and employee benefits | $2,209,000 | 3,034 |
| Premises and equipment expense | $907,000 | 2,136 |
| Additional noninterest expense | $1,466,000 | 2,837 |
| Pre-tax net operating income | $842,000 | 5,923 |
| Securities gains (losses) | $544,000 | 526 |
| Applicable income taxes | $474,000 | 3,979 |
| Income before extraordinary items | $912,000 | 4,784 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $912,000 | 4,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,524 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $3,179,000 | 315 |
| Net operating income | $552,960 | 6,193 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,684,000 | 4,120 |
| Total interest expense | $3,563,000 | 4,081 |
| Net interest income | $4,121,000 | 4,133 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $631,000 | 4,278 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $372,000 | 3,430 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $259,000 | 4,283 |
| Total noninterest expense | $3,580,000 | 3,534 |
| Salaries and employee benefits | $1,747,000 | 3,743 |
| Premises and equipment expense | $756,000 | 2,555 |
| Additional noninterest expense | $1,077,000 | 3,653 |
| Pre-tax net operating income | $1,172,000 | 5,310 |
| Securities gains (losses) | $673,000 | 360 |
| Applicable income taxes | $639,000 | 3,497 |
| Income before extraordinary items | $1,206,000 | 4,035 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,206,000 | 4,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $768,550 | 5,542 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,477,000 | 4,879 |
| Total interest expense | $2,950,000 | 4,848 |
| Net interest income | $3,527,000 | 4,801 |
| Provision for loan and lease losses | $128,000 | 4,455 |
| Total noninterest income | $737,000 | 3,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $358,000 | 3,678 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $379,000 | 3,503 |
| Total noninterest expense | $3,048,000 | 4,258 |
| Salaries and employee benefits | $1,501,000 | 4,299 |
| Premises and equipment expense | $603,000 | 3,195 |
| Additional noninterest expense | $944,000 | 4,609 |
| Pre-tax net operating income | $1,088,000 | 5,450 |
| Securities gains (losses) | $551,000 | 397 |
| Applicable income taxes | $612,000 | 3,525 |
| Income before extraordinary items | $1,027,000 | 4,391 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,027,000 | 4,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,803 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $674,360 | 5,813 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,602,000 | 5,511 |
| Total interest expense | $2,390,000 | 5,754 |
| Net interest income | $3,212,000 | 5,211 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $581,000 | 4,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,807 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $235,000 | 4,664 |
| Total noninterest expense | $2,665,000 | 4,720 |
| Salaries and employee benefits | $1,266,000 | 4,978 |
| Premises and equipment expense | $506,000 | 3,729 |
| Additional noninterest expense | $893,000 | 4,795 |
| Pre-tax net operating income | $1,128,000 | 5,497 |
| Securities gains (losses) | $197,000 | 674 |
| Applicable income taxes | $523,000 | 4,052 |
| Income before extraordinary items | $802,000 | 5,438 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $802,000 | 5,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,621 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $675,920 | 6,123 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,797,000 | 5,854 |
| Total interest expense | $1,749,000 | 6,211 |
| Net interest income | $3,048,000 | 5,553 |
| Provision for loan and lease losses | $39,000 | 6,667 |
| Total noninterest income | $533,000 | 5,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $356,000 | 3,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,670 |
| Total noninterest expense | $2,547,000 | 5,078 |
| Salaries and employee benefits | $1,189,000 | 5,277 |
| Premises and equipment expense | $479,000 | 3,941 |
| Additional noninterest expense | $879,000 | 5,284 |
| Pre-tax net operating income | $995,000 | 5,974 |
| Securities gains (losses) | $150,000 | 603 |
| Applicable income taxes | $470,000 | 4,245 |
| Income before extraordinary items | $675,000 | 6,061 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $675,000 | 6,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 11,643 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $579,000 | 6,757 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,593,000 | 6,202 |
| Total interest expense | $1,695,000 | 6,636 |
| Net interest income | $2,898,000 | 5,806 |
| Provision for loan and lease losses | $57,000 | 7,209 |
| Total noninterest income | $560,000 | 5,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $311,000 | 4,286 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $249,000 | 5,015 |
| Total noninterest expense | $2,599,000 | 5,097 |
| Salaries and employee benefits | $1,159,000 | 5,392 |
| Premises and equipment expense | $492,000 | 3,916 |
| Additional noninterest expense | $948,000 | 5,157 |
| Pre-tax net operating income | $802,000 | 6,798 |
| Securities gains (losses) | $209,000 | 1,643 |
| Applicable income taxes | $336,000 | 5,656 |
| Income before extraordinary items | $675,000 | 6,260 |
| Extraordinary gains, net | $210,000 | 979 |
| Net income | $885,000 | 5,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 2,432 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $534,970 | 7,014 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,998,000 | 6,391 |
| Total interest expense | $2,148,000 | 6,762 |
| Net interest income | $2,850,000 | 5,966 |
| Provision for loan and lease losses | $268,000 | 4,430 |
| Total noninterest income | $401,000 | 6,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $303,000 | 4,400 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 8,137 |
| Total noninterest expense | $2,292,000 | 5,704 |
| Salaries and employee benefits | $1,058,000 | 5,750 |
| Premises and equipment expense | $424,000 | 4,577 |
| Additional noninterest expense | $810,000 | 6,012 |
| Pre-tax net operating income | $691,000 | 7,153 |
| Securities gains (losses) | $71,000 | 3,566 |
| Applicable income taxes | $371,000 | 5,076 |
| Income before extraordinary items | $391,000 | 8,309 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $391,000 | 8,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 4,683 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $345,560 | 8,406 |
* 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.