Home > The Bank of Bonifay > Income and Expense
The Bank of Bonifay, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,297,000 | 3,317 |
| Total interest expense | $1,127,000 | 2,030 |
| Net interest income | $1,170,000 | 4,229 |
| Provision for loan and lease losses | $3,755,000 | 474 |
| Total noninterest income | $107,000 | 4,928 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $125,000 | 2,714 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-18,000 | 7,600 |
| Total noninterest expense | $1,977,000 | 2,473 |
| Salaries and employee benefits | $717,000 | 3,321 |
| Premises and equipment expense | $215,000 | 2,948 |
| Additional noninterest expense | $1,045,000 | 1,678 |
| Pre-tax net operating income | $-4,455,000 | 7,748 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-4,455,000 | 7,771 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-4,455,000 | 7,772 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-4,455,000 | 7,772 |
| Net charge-offs | $308,000 | 2,007 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-4,455,000 | 7,763 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,136,000 | 3,200 |
| Total interest expense | $6,347,000 | 1,832 |
| Net interest income | $3,789,000 | 4,729 |
| Provision for loan and lease losses | $3,617,000 | 1,762 |
| Total noninterest income | $-229,000 | 7,829 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $551,000 | 2,688 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-780,000 | 7,848 |
| Total noninterest expense | $7,936,000 | 2,480 |
| Salaries and employee benefits | $3,267,000 | 2,967 |
| Premises and equipment expense | $947,000 | 2,706 |
| Additional noninterest expense | $3,722,000 | 1,965 |
| Pre-tax net operating income | $-7,993,000 | 7,405 |
| Securities gains (losses) | $320,000 | 1,184 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-7,673,000 | 7,468 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-7,673,000 | 7,466 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-7,673,000 | 7,467 |
| Net charge-offs | $2,094,000 | 1,975 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-7,993,000 | 7,493 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,747,000 | 3,208 |
| Total interest expense | $4,978,000 | 1,831 |
| Net interest income | $2,769,000 | 4,819 |
| Provision for loan and lease losses | $2,617,000 | 1,612 |
| Total noninterest income | $148,000 | 6,356 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $418,000 | 2,684 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-270,000 | 7,904 |
| Total noninterest expense | $5,967,000 | 2,475 |
| Salaries and employee benefits | $2,508,000 | 2,940 |
| Premises and equipment expense | $725,000 | 2,689 |
| Additional noninterest expense | $2,734,000 | 1,937 |
| Pre-tax net operating income | $-5,667,000 | 7,549 |
| Securities gains (losses) | $251,000 | 1,139 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-5,416,000 | 7,606 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,416,000 | 7,606 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,416,000 | 7,606 |
| Net charge-offs | $926,000 | 2,283 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,667,000 | 7,636 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,968,000 | 3,326 |
| Total interest expense | $3,454,000 | 1,861 |
| Net interest income | $1,514,000 | 5,387 |
| Provision for loan and lease losses | $1,233,000 | 1,833 |
| Total noninterest income | $52,000 | 7,130 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $276,000 | 2,669 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-224,000 | 8,030 |
| Total noninterest expense | $4,037,000 | 2,474 |
| Salaries and employee benefits | $1,728,000 | 2,872 |
| Premises and equipment expense | $478,000 | 2,753 |
| Additional noninterest expense | $1,831,000 | 1,951 |
| Pre-tax net operating income | $-3,704,000 | 7,637 |
| Securities gains (losses) | $251,000 | 874 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,453,000 | 7,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,453,000 | 7,673 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,453,000 | 7,673 |
| Net charge-offs | $327,000 | 2,834 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,704,000 | 7,705 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,565,000 | 3,274 |
| Total interest expense | $1,767,000 | 1,880 |
| Net interest income | $798,000 | 5,220 |
| Provision for loan and lease losses | $732,000 | 1,428 |
| Total noninterest income | $207,000 | 3,732 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $138,000 | 2,632 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $69,000 | 4,257 |
| Total noninterest expense | $1,841,000 | 2,619 |
| Salaries and employee benefits | $876,000 | 2,874 |
| Premises and equipment expense | $244,000 | 2,728 |
| Additional noninterest expense | $721,000 | 2,171 |
| Pre-tax net operating income | $-1,568,000 | 7,760 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,568,000 | 7,841 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,568,000 | 7,842 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,568,000 | 7,842 |
| Net charge-offs | $64,000 | 3,311 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,568,000 | 7,833 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,331,000 | 2,767 |
| Total interest expense | $6,791,000 | 2,255 |
| Net interest income | $6,540,000 | 3,244 |
| Provision for loan and lease losses | $3,291,000 | 1,306 |
| Total noninterest income | $544,000 | 4,661 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $709,000 | 2,322 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-165,000 | 8,155 |
| Total noninterest expense | $7,357,000 | 2,571 |
| Salaries and employee benefits | $3,502,000 | 2,824 |
| Premises and equipment expense | $996,000 | 2,633 |
| Additional noninterest expense | $2,859,000 | 2,093 |
| Pre-tax net operating income | $-3,564,000 | 7,682 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-3,564,000 | 7,693 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,564,000 | 7,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,358,000 | 774 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,564,000 | 7,759 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,574,000 | 2,680 |
| Total interest expense | $5,115,000 | 2,344 |
| Net interest income | $5,459,000 | 2,970 |
| Provision for loan and lease losses | $2,554,000 | 1,006 |
| Total noninterest income | $392,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $551,000 | 2,281 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-159,000 | 8,284 |
| Total noninterest expense | $5,365,000 | 2,626 |
| Salaries and employee benefits | $2,568,000 | 2,911 |
| Premises and equipment expense | $793,000 | 2,517 |
| Additional noninterest expense | $2,004,000 | 2,163 |
| Pre-tax net operating income | $-2,068,000 | 7,879 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-2,068,000 | 7,879 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,068,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,137,000 | 518 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,068,000 | 7,956 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,371,000 | 2,588 |
| Total interest expense | $3,546,000 | 2,347 |
| Net interest income | $3,825,000 | 2,815 |
| Provision for loan and lease losses | $1,705,000 | 873 |
| Total noninterest income | $521,000 | 3,424 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $366,000 | 2,266 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $155,000 | 4,257 |
| Total noninterest expense | $3,841,000 | 2,466 |
| Salaries and employee benefits | $1,664,000 | 3,021 |
| Premises and equipment expense | $622,000 | 2,171 |
| Additional noninterest expense | $1,555,000 | 1,857 |
| Pre-tax net operating income | $-1,200,000 | 8,000 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,200,000 | 8,068 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,200,000 | 8,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,255,000 | 519 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,200,000 | 8,057 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,788,000 | 2,594 |
| Total interest expense | $1,849,000 | 2,396 |
| Net interest income | $1,939,000 | 2,777 |
| Provision for loan and lease losses | $1,490,000 | 483 |
| Total noninterest income | $335,000 | 2,906 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $182,000 | 2,250 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $153,000 | 2,999 |
| Total noninterest expense | $2,049,000 | 2,318 |
| Salaries and employee benefits | $827,000 | 3,070 |
| Premises and equipment expense | $266,000 | 2,529 |
| Additional noninterest expense | $956,000 | 1,506 |
| Pre-tax net operating income | $-1,265,000 | 8,309 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-1,265,000 | 8,340 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,265,000 | 8,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 8,411 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,265,000 | 8,333 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,616,000 | 2,457 |
| Total interest expense | $7,368,000 | 2,495 |
| Net interest income | $9,248,000 | 2,400 |
| Provision for loan and lease losses | $6,694,000 | 325 |
| Total noninterest income | $1,626,000 | 2,565 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $626,000 | 2,588 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,000,000 | 2,218 |
| Total noninterest expense | $6,842,000 | 2,647 |
| Salaries and employee benefits | $3,783,000 | 2,622 |
| Premises and equipment expense | $1,017,000 | 2,533 |
| Additional noninterest expense | $2,042,000 | 2,618 |
| Pre-tax net operating income | $-2,662,000 | 8,346 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $-2,662,000 | 8,385 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,662,000 | 8,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,137,000 | 359 |
| Cash dividends | $3,431,000 | 1,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-2,662,000 | 8,375 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,545,000 | 2,452 |
| Total interest expense | $5,367,000 | 2,570 |
| Net interest income | $7,178,000 | 2,337 |
| Provision for loan and lease losses | $675,000 | 1,244 |
| Total noninterest income | $1,308,000 | 2,433 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $461,000 | 2,612 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $847,000 | 2,048 |
| Total noninterest expense | $5,031,000 | 2,675 |
| Salaries and employee benefits | $2,912,000 | 2,549 |
| Premises and equipment expense | $791,000 | 2,439 |
| Additional noninterest expense | $1,328,000 | 2,918 |
| Pre-tax net operating income | $2,780,000 | 2,248 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $2,780,000 | 1,815 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,780,000 | 1,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,301 |
| Cash dividends | $2,614,000 | 972 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,780,000 | 1,803 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,154,000 | 2,524 |
| Total interest expense | $3,431,000 | 2,665 |
| Net interest income | $4,723,000 | 2,396 |
| Provision for loan and lease losses | $330,000 | 1,431 |
| Total noninterest income | $843,000 | 2,499 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $295,000 | 2,695 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $548,000 | 2,115 |
| Total noninterest expense | $3,363,000 | 2,692 |
| Salaries and employee benefits | $1,953,000 | 2,576 |
| Premises and equipment expense | $526,000 | 2,456 |
| Additional noninterest expense | $884,000 | 2,926 |
| Pre-tax net operating income | $1,873,000 | 2,276 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,873,000 | 1,858 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,873,000 | 1,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 1,263 |
| Cash dividends | $1,769,000 | 993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,873,000 | 1,836 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,927,000 | 2,597 |
| Total interest expense | $1,629,000 | 2,774 |
| Net interest income | $2,298,000 | 2,458 |
| Provision for loan and lease losses | $80,000 | 2,339 |
| Total noninterest income | $392,000 | 2,597 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $140,000 | 2,738 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $252,000 | 2,207 |
| Total noninterest expense | $1,582,000 | 2,842 |
| Salaries and employee benefits | $907,000 | 2,768 |
| Premises and equipment expense | $245,000 | 2,636 |
| Additional noninterest expense | $430,000 | 2,979 |
| Pre-tax net operating income | $1,028,000 | 2,118 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,028,000 | 1,675 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,028,000 | 1,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $891,000 | 906 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,028,000 | 1,663 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,620,000 | 2,607 |
| Total interest expense | $5,814,000 | 2,658 |
| Net interest income | $8,806,000 | 2,566 |
| Provision for loan and lease losses | $430,000 | 2,148 |
| Total noninterest income | $2,173,000 | 2,099 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $564,000 | 2,810 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,609,000 | 1,587 |
| Total noninterest expense | $5,713,000 | 2,989 |
| Salaries and employee benefits | $3,106,000 | 3,037 |
| Premises and equipment expense | $797,000 | 3,018 |
| Additional noninterest expense | $1,810,000 | 2,806 |
| Pre-tax net operating income | $4,836,000 | 1,948 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $4,836,000 | 1,506 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,836,000 | 1,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,637 |
| Cash dividends | $4,040,000 | 857 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,836,000 | 1,487 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,587,000 | 2,666 |
| Total interest expense | $4,120,000 | 2,707 |
| Net interest income | $6,467,000 | 2,634 |
| Provision for loan and lease losses | $315,000 | 2,065 |
| Total noninterest income | $1,769,000 | 1,973 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $418,000 | 2,857 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,351,000 | 1,466 |
| Total noninterest expense | $4,276,000 | 2,989 |
| Salaries and employee benefits | $2,353,000 | 2,999 |
| Premises and equipment expense | $610,000 | 2,961 |
| Additional noninterest expense | $1,313,000 | 2,880 |
| Pre-tax net operating income | $3,645,000 | 1,991 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $3,645,000 | 1,537 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,645,000 | 1,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,170 |
| Cash dividends | $3,219,000 | 780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,645,000 | 1,519 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,739,000 | 2,735 |
| Total interest expense | $2,486,000 | 2,839 |
| Net interest income | $4,253,000 | 2,666 |
| Provision for loan and lease losses | $190,000 | 2,197 |
| Total noninterest income | $1,228,000 | 1,915 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $276,000 | 2,859 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $952,000 | 1,401 |
| Total noninterest expense | $2,847,000 | 3,011 |
| Salaries and employee benefits | $1,554,000 | 3,039 |
| Premises and equipment expense | $400,000 | 2,997 |
| Additional noninterest expense | $893,000 | 2,837 |
| Pre-tax net operating income | $2,444,000 | 1,988 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $2,444,000 | 1,518 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,444,000 | 1,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,072 |
| Cash dividends | $2,237,000 | 741 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,444,000 | 1,498 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,228,000 | 2,782 |
| Total interest expense | $1,155,000 | 2,890 |
| Net interest income | $2,073,000 | 2,700 |
| Provision for loan and lease losses | $105,000 | 1,911 |
| Total noninterest income | $628,000 | 1,857 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $138,000 | 2,780 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $490,000 | 1,360 |
| Total noninterest expense | $1,479,000 | 2,910 |
| Salaries and employee benefits | $779,000 | 3,046 |
| Premises and equipment expense | $202,000 | 2,999 |
| Additional noninterest expense | $498,000 | 2,540 |
| Pre-tax net operating income | $1,117,000 | 2,095 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,117,000 | 1,610 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,117,000 | 1,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 1,060 |
| Cash dividends | $1,345,000 | 592 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,117,000 | 1,590 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,797,000 | 2,753 |
| Total interest expense | $3,668,000 | 2,839 |
| Net interest income | $8,129,000 | 2,658 |
| Provision for loan and lease losses | $408,000 | 2,247 |
| Total noninterest income | $2,406,000 | 1,928 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $538,000 | 2,908 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,868,000 | 1,420 |
| Total noninterest expense | $5,729,000 | 2,865 |
| Salaries and employee benefits | $3,226,000 | 2,786 |
| Premises and equipment expense | $708,000 | 3,199 |
| Additional noninterest expense | $1,795,000 | 2,764 |
| Pre-tax net operating income | $4,398,000 | 2,072 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $4,398,000 | 1,601 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,398,000 | 1,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-99,000 | 8,626 |
| Cash dividends | $3,923,000 | 831 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,398,000 | 1,575 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,547,000 | 2,770 |
| Total interest expense | $2,605,000 | 2,837 |
| Net interest income | $5,942,000 | 2,705 |
| Provision for loan and lease losses | $305,000 | 2,173 |
| Total noninterest income | $1,920,000 | 1,846 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $410,000 | 2,862 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,510,000 | 1,359 |
| Total noninterest expense | $4,292,000 | 2,839 |
| Salaries and employee benefits | $2,450,000 | 2,720 |
| Premises and equipment expense | $524,000 | 3,224 |
| Additional noninterest expense | $1,318,000 | 2,791 |
| Pre-tax net operating income | $3,265,000 | 2,095 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $3,265,000 | 1,609 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,265,000 | 1,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 8,631 |
| Cash dividends | $3,238,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,265,000 | 1,576 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,478,000 | 2,804 |
| Total interest expense | $1,599,000 | 2,898 |
| Net interest income | $3,879,000 | 2,737 |
| Provision for loan and lease losses | $275,000 | 1,648 |
| Total noninterest income | $1,337,000 | 1,768 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $273,000 | 2,807 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,064,000 | 1,283 |
| Total noninterest expense | $2,763,000 | 2,919 |
| Salaries and employee benefits | $1,568,000 | 2,809 |
| Premises and equipment expense | $339,000 | 3,279 |
| Additional noninterest expense | $856,000 | 2,838 |
| Pre-tax net operating income | $2,178,000 | 2,054 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $2,178,000 | 1,588 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,178,000 | 1,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 8,522 |
| Cash dividends | $2,124,000 | 681 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,178,000 | 1,560 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,591,000 | 2,902 |
| Total interest expense | $700,000 | 3,114 |
| Net interest income | $1,891,000 | 2,783 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $657,000 | 1,750 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $129,000 | 2,862 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $528,000 | 1,279 |
| Total noninterest expense | $1,334,000 | 3,025 |
| Salaries and employee benefits | $744,000 | 2,949 |
| Premises and equipment expense | $160,000 | 3,459 |
| Additional noninterest expense | $430,000 | 2,826 |
| Pre-tax net operating income | $1,064,000 | 2,060 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $1,064,000 | 1,582 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,064,000 | 1,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 8,681 |
| Cash dividends | $1,061,000 | 627 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,064,000 | 1,559 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,957,000 | 3,114 |
| Total interest expense | $2,007,000 | 3,644 |
| Net interest income | $6,950,000 | 2,904 |
| Provision for loan and lease losses | $485,000 | 2,008 |
| Total noninterest income | $2,462,000 | 1,886 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $557,000 | 2,880 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,905,000 | 1,372 |
| Total noninterest expense | $5,132,000 | 3,035 |
| Salaries and employee benefits | $3,043,000 | 2,802 |
| Premises and equipment expense | $501,000 | 4,084 |
| Additional noninterest expense | $1,588,000 | 2,988 |
| Pre-tax net operating income | $3,795,000 | 2,145 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $3,795,000 | 1,693 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,795,000 | 1,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,204 |
| Cash dividends | $3,491,000 | 861 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,795,000 | 1,640 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,606,000 | 3,135 |
| Total interest expense | $1,433,000 | 3,747 |
| Net interest income | $5,173,000 | 2,909 |
| Provision for loan and lease losses | $335,000 | 2,066 |
| Total noninterest income | $1,767,000 | 1,964 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $422,000 | 2,878 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,345,000 | 1,445 |
| Total noninterest expense | $3,875,000 | 2,987 |
| Salaries and employee benefits | $2,327,000 | 2,744 |
| Premises and equipment expense | $399,000 | 3,882 |
| Additional noninterest expense | $1,149,000 | 3,061 |
| Pre-tax net operating income | $2,730,000 | 2,227 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $2,730,000 | 1,769 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,730,000 | 1,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,684 |
| Cash dividends | $2,602,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,730,000 | 1,717 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,306,000 | 3,181 |
| Total interest expense | $897,000 | 3,939 |
| Net interest income | $3,409,000 | 2,927 |
| Provision for loan and lease losses | $210,000 | 2,090 |
| Total noninterest income | $1,226,000 | 1,890 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $273,000 | 2,924 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $953,000 | 1,374 |
| Total noninterest expense | $2,584,000 | 2,989 |
| Salaries and employee benefits | $1,591,000 | 2,684 |
| Premises and equipment expense | $252,000 | 4,047 |
| Additional noninterest expense | $741,000 | 3,153 |
| Pre-tax net operating income | $1,841,000 | 2,193 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,841,000 | 1,729 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,841,000 | 1,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,468 |
| Cash dividends | $1,632,000 | 827 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,841,000 | 1,676 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,069,000 | 3,299 |
| Total interest expense | $418,000 | 4,193 |
| Net interest income | $1,651,000 | 3,006 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $619,000 | 1,833 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $136,000 | 2,882 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $483,000 | 1,324 |
| Total noninterest expense | $1,325,000 | 2,934 |
| Salaries and employee benefits | $838,000 | 2,576 |
| Premises and equipment expense | $123,000 | 4,165 |
| Additional noninterest expense | $364,000 | 3,176 |
| Pre-tax net operating income | $870,000 | 2,268 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $870,000 | 1,804 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $870,000 | 1,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $762,000 | 839 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $870,000 | 1,719 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,364,000 | 3,663 |
| Total interest expense | $1,593,000 | 4,699 |
| Net interest income | $5,771,000 | 3,282 |
| Provision for loan and lease losses | $225,000 | 3,797 |
| Total noninterest income | $1,735,000 | 2,565 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $552,000 | 2,870 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,183,000 | 2,144 |
| Total noninterest expense | $4,610,000 | 3,283 |
| Salaries and employee benefits | $2,935,000 | 2,816 |
| Premises and equipment expense | $405,000 | 4,697 |
| Additional noninterest expense | $1,270,000 | 3,567 |
| Pre-tax net operating income | $2,671,000 | 2,749 |
| Securities gains (losses) | $25,000 | 3,074 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,696,000 | 2,239 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,696,000 | 2,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $666,000 | 1,271 |
| Cash dividends | $1,674,000 | 1,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,671,000 | 2,148 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,336,000 | 3,819 |
| Total interest expense | $1,202,000 | 4,817 |
| Net interest income | $4,134,000 | 3,427 |
| Provision for loan and lease losses | $125,000 | 4,278 |
| Total noninterest income | $1,237,000 | 2,716 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $415,000 | 2,873 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $822,000 | 2,334 |
| Total noninterest expense | $3,337,000 | 3,367 |
| Salaries and employee benefits | $2,118,000 | 2,930 |
| Premises and equipment expense | $279,000 | 4,966 |
| Additional noninterest expense | $940,000 | 3,580 |
| Pre-tax net operating income | $1,909,000 | 2,943 |
| Securities gains (losses) | $25,000 | 2,828 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,934,000 | 2,409 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,934,000 | 2,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 1,162 |
| Cash dividends | $967,000 | 1,798 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,909,000 | 2,315 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,469,000 | 3,931 |
| Total interest expense | $802,000 | 4,922 |
| Net interest income | $2,667,000 | 3,519 |
| Provision for loan and lease losses | $25,000 | 6,080 |
| Total noninterest income | $724,000 | 2,939 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $270,000 | 2,889 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $454,000 | 2,593 |
| Total noninterest expense | $2,165,000 | 3,448 |
| Salaries and employee benefits | $1,375,000 | 3,016 |
| Premises and equipment expense | $186,000 | 4,936 |
| Additional noninterest expense | $604,000 | 3,681 |
| Pre-tax net operating income | $1,201,000 | 3,080 |
| Securities gains (losses) | $25,000 | 2,481 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,226,000 | 2,529 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,226,000 | 2,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $419,000 | 958 |
| Cash dividends | $702,000 | 1,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,201,000 | 2,429 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,686,000 | 4,054 |
| Total interest expense | $399,000 | 5,044 |
| Net interest income | $1,287,000 | 3,614 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $324,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $128,000 | 2,943 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $196,000 | 2,753 |
| Total noninterest expense | $1,037,000 | 3,547 |
| Salaries and employee benefits | $645,000 | 3,160 |
| Premises and equipment expense | $91,000 | 5,012 |
| Additional noninterest expense | $301,000 | 3,655 |
| Pre-tax net operating income | $574,000 | 3,181 |
| Securities gains (losses) | $8,000 | 2,242 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $582,000 | 2,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $582,000 | 2,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,538 |
| Cash dividends | $702,000 | 910 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $574,000 | 2,501 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,775,000 | 4,159 |
| Total interest expense | $1,669,000 | 5,385 |
| Net interest income | $5,106,000 | 3,610 |
| Provision for loan and lease losses | $692,000 | 1,855 |
| Total noninterest income | $1,089,000 | 3,293 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $680,000 | 2,296 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $409,000 | 3,659 |
| Total noninterest expense | $3,236,000 | 4,205 |
| Salaries and employee benefits | $1,974,000 | 3,776 |
| Premises and equipment expense | $211,000 | 6,643 |
| Additional noninterest expense | $1,051,000 | 4,009 |
| Pre-tax net operating income | $2,267,000 | 3,114 |
| Securities gains (losses) | $82,000 | 1,935 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $2,349,000 | 2,468 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,349,000 | 2,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $417,000 | 1,880 |
| Cash dividends | $2,204,000 | 1,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,267,000 | 2,454 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,462,000 | 5,313 |
| Total interest expense | $2,162,000 | 5,860 |
| Net interest income | $3,300,000 | 4,752 |
| Provision for loan and lease losses | $1,232,000 | 1,059 |
| Total noninterest income | $781,000 | 3,919 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $418,000 | 3,265 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $363,000 | 3,739 |
| Total noninterest expense | $1,908,000 | 5,913 |
| Salaries and employee benefits | $1,112,000 | 5,608 |
| Premises and equipment expense | $201,000 | 6,776 |
| Additional noninterest expense | $595,000 | 5,870 |
| Pre-tax net operating income | $941,000 | 5,055 |
| Securities gains (losses) | $307,000 | 886 |
| Applicable income taxes | $396,000 | 3,754 |
| Income before extraordinary items | $852,000 | 4,715 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $852,000 | 4,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 2,227 |
| Cash dividends | $3,175,000 | 875 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $643,240 | 5,315 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,607,000 | 5,322 |
| Total interest expense | $2,270,000 | 5,875 |
| Net interest income | $3,337,000 | 4,781 |
| Provision for loan and lease losses | $282,000 | 2,992 |
| Total noninterest income | $498,000 | 4,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $397,000 | 3,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,404 |
| Total noninterest expense | $1,975,000 | 5,726 |
| Salaries and employee benefits | $1,225,000 | 5,128 |
| Premises and equipment expense | $197,000 | 6,817 |
| Additional noninterest expense | $553,000 | 6,052 |
| Pre-tax net operating income | $1,578,000 | 3,929 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $540,000 | 3,317 |
| Income before extraordinary items | $1,038,000 | 4,268 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,038,000 | 4,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $377,000 | 1,545 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,038,000 | 4,278 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,383,000 | 5,318 |
| Total interest expense | $2,094,000 | 5,827 |
| Net interest income | $3,289,000 | 4,839 |
| Provision for loan and lease losses | $90,000 | 5,432 |
| Total noninterest income | $480,000 | 5,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $404,000 | 3,193 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,256 |
| Total noninterest expense | $1,996,000 | 5,690 |
| Salaries and employee benefits | $1,210,000 | 5,134 |
| Premises and equipment expense | $190,000 | 6,970 |
| Additional noninterest expense | $596,000 | 5,845 |
| Pre-tax net operating income | $1,683,000 | 3,797 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $651,000 | 3,050 |
| Income before extraordinary items | $1,032,000 | 4,332 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,032,000 | 4,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,769 |
| Cash dividends | $150,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,032,000 | 4,294 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,981,000 | 5,691 |
| Total interest expense | $2,106,000 | 6,002 |
| Net interest income | $2,875,000 | 5,294 |
| Provision for loan and lease losses | $237,000 | 3,158 |
| Total noninterest income | $518,000 | 4,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $376,000 | 3,301 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 5,826 |
| Total noninterest expense | $1,814,000 | 5,961 |
| Salaries and employee benefits | $1,099,000 | 5,403 |
| Premises and equipment expense | $194,000 | 6,806 |
| Additional noninterest expense | $521,000 | 6,289 |
| Pre-tax net operating income | $1,342,000 | 4,521 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $479,000 | 3,952 |
| Income before extraordinary items | $863,000 | 4,952 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $863,000 | 4,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,184 |
| Cash dividends | $33,000 | 7,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $863,000 | 4,870 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,717,000 | 6,029 |
| Total interest expense | $1,873,000 | 6,521 |
| Net interest income | $2,844,000 | 5,527 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $446,000 | 5,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $376,000 | 3,395 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,697 |
| Total noninterest expense | $1,724,000 | 6,231 |
| Salaries and employee benefits | $1,090,000 | 5,519 |
| Premises and equipment expense | $184,000 | 7,131 |
| Additional noninterest expense | $450,000 | 6,925 |
| Pre-tax net operating income | $1,566,000 | 4,325 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $586,000 | 3,759 |
| Income before extraordinary items | $981,000 | 4,768 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $981,000 | 4,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,160 |
| Cash dividends | $60,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $980,360 | 4,707 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,369,000 | 6,507 |
| Total interest expense | $1,662,000 | 7,182 |
| Net interest income | $2,707,000 | 5,865 |
| Provision for loan and lease losses | $73,000 | 5,762 |
| Total noninterest income | $456,000 | 5,494 |
| 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 | $98,000 | 7,185 |
| Total noninterest expense | $1,539,000 | 7,000 |
| Salaries and employee benefits | $955,000 | 6,196 |
| Premises and equipment expense | $165,000 | 7,728 |
| Additional noninterest expense | $419,000 | 7,721 |
| Pre-tax net operating income | $1,551,000 | 4,214 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $484,000 | 4,251 |
| Income before extraordinary items | $1,068,000 | 4,247 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,068,000 | 4,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,536 |
| Cash dividends | $2,509,000 | 1,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,067,310 | 4,194 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,961,000 | 7,044 |
| Total interest expense | $1,544,000 | 7,574 |
| Net interest income | $2,417,000 | 6,451 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $394,000 | 6,044 |
| 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 | $48,000 | 9,325 |
| Total noninterest expense | $1,443,000 | 7,454 |
| Salaries and employee benefits | $906,000 | 6,530 |
| Premises and equipment expense | $126,000 | 8,898 |
| Additional noninterest expense | $411,000 | 8,083 |
| Pre-tax net operating income | $1,368,000 | 4,781 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $470,000 | 4,385 |
| Income before extraordinary items | $898,000 | 5,007 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $898,000 | 5,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 11,478 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $898,000 | 4,983 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,695,000 | 7,076 |
| Total interest expense | $1,373,000 | 7,297 |
| Net interest income | $2,322,000 | 6,818 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $405,000 | 6,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,871 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,194 |
| Total noninterest expense | $1,492,000 | 7,627 |
| Salaries and employee benefits | $919,000 | 6,519 |
| Premises and equipment expense | $110,000 | 9,702 |
| Additional noninterest expense | $463,000 | 8,210 |
| Pre-tax net operating income | $1,235,000 | 5,130 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $449,000 | 4,398 |
| Income before extraordinary items | $786,000 | 5,433 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $786,000 | 5,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 11,264 |
| Cash dividends | $2,000,000 | 1,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $786,000 | 5,500 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,830,000 | 7,080 |
| Total interest expense | $1,437,000 | 7,415 |
| Net interest income | $2,393,000 | 6,751 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $347,000 | 7,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $282,000 | 4,661 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,306 |
| Total noninterest expense | $1,663,000 | 7,315 |
| Salaries and employee benefits | $995,000 | 6,163 |
| Premises and equipment expense | $150,000 | 8,908 |
| Additional noninterest expense | $518,000 | 8,046 |
| Pre-tax net operating income | $1,077,000 | 5,586 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $389,000 | 5,109 |
| Income before extraordinary items | $688,000 | 6,189 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $688,000 | 6,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $688,000 | 5,933 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,377,000 | 7,033 |
| Total interest expense | $1,920,000 | 7,302 |
| Net interest income | $2,457,000 | 6,680 |
| Provision for loan and lease losses | $72,000 | 8,175 |
| Total noninterest income | $249,000 | 8,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 5,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,767 |
| Total noninterest expense | $1,400,000 | 8,293 |
| Salaries and employee benefits | $863,000 | 6,850 |
| Premises and equipment expense | $73,000 | 11,760 |
| Additional noninterest expense | $464,000 | 8,819 |
| Pre-tax net operating income | $1,234,000 | 4,812 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $453,000 | 4,342 |
| Income before extraordinary items | $781,000 | 5,456 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $781,000 | 5,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 6,704 |
| Cash dividends | $36,000 | 8,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $781,000 | 5,143 |
* 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.