Home > The Bank of Nashville > Income and Expense
The Bank of Nashville, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,257,000 | 1,115 |
| Total interest expense | $2,631,000 | 889 |
| Net interest income | $4,626,000 | 1,244 |
| Provision for loan and lease losses | $6,529,000 | 311 |
| Total noninterest income | $-304,000 | 7,860 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $371,000 | 1,057 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-675,000 | 7,887 |
| Total noninterest expense | $4,410,000 | 1,134 |
| Salaries and employee benefits | $1,820,000 | 1,375 |
| Premises and equipment expense | $813,000 | 831 |
| Additional noninterest expense | $1,777,000 | 987 |
| Pre-tax net operating income | $-6,617,000 | 7,806 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $1,394,000 | 295 |
| Income before extraordinary items | $-8,011,000 | 7,832 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-8,011,000 | 7,833 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-8,011,000 | 7,833 |
| Net charge-offs | $5,528,000 | 307 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 712 |
| Net operating income | $-8,011,000 | 7,832 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $34,572,000 | 976 |
| Total interest expense | $14,164,000 | 822 |
| Net interest income | $20,408,000 | 1,072 |
| Provision for loan and lease losses | $36,743,000 | 320 |
| Total noninterest income | $859,000 | 3,622 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,748,000 | 993 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-889,000 | 7,863 |
| Total noninterest expense | $19,119,000 | 1,091 |
| Salaries and employee benefits | $7,257,000 | 1,392 |
| Premises and equipment expense | $3,297,000 | 819 |
| Additional noninterest expense | $8,565,000 | 917 |
| Pre-tax net operating income | $-34,595,000 | 7,820 |
| Securities gains (losses) | $678,000 | 702 |
| Applicable income taxes | $-8,342,000 | 7,849 |
| Income before extraordinary items | $-25,575,000 | 7,787 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-25,575,000 | 7,785 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-25,575,000 | 7,786 |
| Net charge-offs | $35,959,000 | 250 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 1,165 |
| Net operating income | $-26,083,500 | 7,793 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $26,913,000 | 958 |
| Total interest expense | $11,442,000 | 803 |
| Net interest income | $15,471,000 | 1,067 |
| Provision for loan and lease losses | $20,729,000 | 379 |
| Total noninterest income | $650,000 | 3,680 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,317,000 | 985 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-667,000 | 7,977 |
| Total noninterest expense | $14,160,000 | 1,094 |
| Salaries and employee benefits | $5,475,000 | 1,392 |
| Premises and equipment expense | $2,492,000 | 828 |
| Additional noninterest expense | $6,193,000 | 909 |
| Pre-tax net operating income | $-18,768,000 | 7,859 |
| Securities gains (losses) | $558,000 | 641 |
| Applicable income taxes | $-2,057,000 | 7,725 |
| Income before extraordinary items | $-16,153,000 | 7,865 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-16,153,000 | 7,864 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-16,153,000 | 7,865 |
| Net charge-offs | $20,926,000 | 289 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,119 |
| Net operating income | $-16,649,620 | 7,870 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $18,415,000 | 953 |
| Total interest expense | $8,103,000 | 800 |
| Net interest income | $10,312,000 | 1,061 |
| Provision for loan and lease losses | $7,451,000 | 561 |
| Total noninterest income | $190,000 | 5,312 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $866,000 | 976 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-676,000 | 8,101 |
| Total noninterest expense | $9,401,000 | 1,125 |
| Salaries and employee benefits | $3,692,000 | 1,410 |
| Premises and equipment expense | $1,669,000 | 842 |
| Additional noninterest expense | $4,040,000 | 949 |
| Pre-tax net operating income | $-6,350,000 | 7,807 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-2,546,000 | 7,941 |
| Income before extraordinary items | $-3,804,000 | 7,708 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,804,000 | 7,707 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,804,000 | 7,707 |
| Net charge-offs | $10,150,000 | 371 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 959 |
| Net operating income | $-3,804,000 | 7,715 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,323,000 | 951 |
| Total interest expense | $4,325,000 | 775 |
| Net interest income | $4,998,000 | 1,098 |
| Provision for loan and lease losses | $3,465,000 | 506 |
| Total noninterest income | $745,000 | 1,628 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $420,000 | 980 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $325,000 | 1,848 |
| Total noninterest expense | $4,607,000 | 1,086 |
| Salaries and employee benefits | $1,889,000 | 1,378 |
| Premises and equipment expense | $848,000 | 843 |
| Additional noninterest expense | $1,870,000 | 888 |
| Pre-tax net operating income | $-2,329,000 | 7,872 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-950,000 | 7,993 |
| Income before extraordinary items | $-1,379,000 | 7,804 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,379,000 | 7,805 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,379,000 | 7,805 |
| Net charge-offs | $3,260,000 | 426 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 938 |
| Net operating income | $-1,379,000 | 7,797 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $51,050,000 | 725 |
| Total interest expense | $25,446,000 | 623 |
| Net interest income | $25,604,000 | 839 |
| Provision for loan and lease losses | $23,621,000 | 329 |
| Total noninterest income | $1,368,000 | 2,801 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,594,000 | 1,120 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-226,000 | 8,176 |
| Total noninterest expense | $75,843,000 | 302 |
| Salaries and employee benefits | $7,541,000 | 1,356 |
| Premises and equipment expense | $3,377,000 | 814 |
| Additional noninterest expense | $64,925,000 | 188 |
| Pre-tax net operating income | $-72,492,000 | 8,222 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-6,995,000 | 8,152 |
| Income before extraordinary items | $-65,497,000 | 8,206 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-65,497,000 | 8,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,048,000 | 307 |
| Cash dividends | $1,329,000 | 1,901 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 866 |
| Net operating income | $-65,497,000 | 8,215 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $39,668,000 | 723 |
| Total interest expense | $19,942,000 | 628 |
| Net interest income | $19,726,000 | 829 |
| Provision for loan and lease losses | $9,009,000 | 435 |
| Total noninterest income | $1,588,000 | 2,116 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,173,000 | 1,157 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $415,000 | 3,120 |
| Total noninterest expense | $16,694,000 | 885 |
| Salaries and employee benefits | $5,686,000 | 1,369 |
| Premises and equipment expense | $2,531,000 | 816 |
| Additional noninterest expense | $8,477,000 | 573 |
| Pre-tax net operating income | $-4,389,000 | 8,101 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,781,000 | 8,164 |
| Income before extraordinary items | $-2,608,000 | 7,965 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,608,000 | 7,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,935,000 | 354 |
| Cash dividends | $1,329,000 | 1,460 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 702 |
| Net operating income | $-2,608,000 | 8,023 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $27,197,000 | 716 |
| Total interest expense | $13,852,000 | 622 |
| Net interest income | $13,345,000 | 817 |
| Provision for loan and lease losses | $4,979,000 | 434 |
| Total noninterest income | $1,102,000 | 2,082 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $776,000 | 1,147 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $326,000 | 2,896 |
| Total noninterest expense | $11,328,000 | 866 |
| Salaries and employee benefits | $3,753,000 | 1,389 |
| Premises and equipment expense | $1,662,000 | 832 |
| Additional noninterest expense | $5,913,000 | 539 |
| Pre-tax net operating income | $-1,860,000 | 8,138 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-771,000 | 8,242 |
| Income before extraordinary items | $-1,089,000 | 8,020 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,089,000 | 8,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,986,000 | 360 |
| Cash dividends | $582,000 | 2,091 |
| Sale, conversion, retirement of capital stock, net | $85,000 | 624 |
| Net operating income | $-1,089,000 | 8,011 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $14,365,000 | 695 |
| Total interest expense | $7,632,000 | 612 |
| Net interest income | $6,733,000 | 812 |
| Provision for loan and lease losses | $964,000 | 636 |
| Total noninterest income | $911,000 | 1,432 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $415,000 | 1,044 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $496,000 | 1,427 |
| Total noninterest expense | $5,420,000 | 891 |
| Salaries and employee benefits | $2,177,000 | 1,181 |
| Premises and equipment expense | $825,000 | 842 |
| Additional noninterest expense | $2,418,000 | 612 |
| Pre-tax net operating income | $1,260,000 | 1,467 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $465,000 | 1,073 |
| Income before extraordinary items | $795,000 | 1,821 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $795,000 | 1,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,488,000 | 356 |
| Cash dividends | $582,000 | 1,222 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 608 |
| Net operating income | $795,000 | 1,760 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $58,787,000 | 709 |
| Total interest expense | $32,072,000 | 626 |
| Net interest income | $26,715,000 | 820 |
| Provision for loan and lease losses | $5,010,000 | 403 |
| Total noninterest income | $2,151,000 | 2,109 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,529,000 | 1,165 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $622,000 | 2,949 |
| Total noninterest expense | $18,785,000 | 994 |
| Salaries and employee benefits | $7,802,000 | 1,280 |
| Premises and equipment expense | $2,687,000 | 964 |
| Additional noninterest expense | $8,296,000 | 687 |
| Pre-tax net operating income | $5,071,000 | 1,616 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,988,000 | 1,138 |
| Income before extraordinary items | $3,083,000 | 1,998 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,083,000 | 1,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,413,000 | 418 |
| Cash dividends | $3,625,000 | 1,007 |
| Sale, conversion, retirement of capital stock, net | $171,000 | 799 |
| Net operating income | $3,083,000 | 1,983 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $43,180,000 | 714 |
| Total interest expense | $23,650,000 | 631 |
| Net interest income | $19,530,000 | 835 |
| Provision for loan and lease losses | $3,052,000 | 385 |
| Total noninterest income | $2,076,000 | 1,741 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,138,000 | 1,160 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $938,000 | 1,912 |
| Total noninterest expense | $13,678,000 | 1,015 |
| Salaries and employee benefits | $5,812,000 | 1,295 |
| Premises and equipment expense | $1,997,000 | 971 |
| Additional noninterest expense | $5,869,000 | 723 |
| Pre-tax net operating income | $4,876,000 | 1,387 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,858,000 | 1,018 |
| Income before extraordinary items | $3,018,000 | 1,679 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,018,000 | 1,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,885,000 | 421 |
| Cash dividends | $2,763,000 | 936 |
| Sale, conversion, retirement of capital stock, net | $130,000 | 702 |
| Net operating income | $3,018,000 | 1,664 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $28,151,000 | 740 |
| Total interest expense | $15,296,000 | 655 |
| Net interest income | $12,855,000 | 869 |
| Provision for loan and lease losses | $1,679,000 | 380 |
| Total noninterest income | $1,391,000 | 1,764 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $745,000 | 1,188 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $646,000 | 1,882 |
| Total noninterest expense | $8,576,000 | 1,096 |
| Salaries and employee benefits | $3,812,000 | 1,340 |
| Premises and equipment expense | $1,287,000 | 1,019 |
| Additional noninterest expense | $3,477,000 | 811 |
| Pre-tax net operating income | $3,991,000 | 1,184 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,525,000 | 911 |
| Income before extraordinary items | $2,466,000 | 1,430 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,466,000 | 1,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $953,000 | 463 |
| Cash dividends | $1,033,000 | 1,471 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 708 |
| Net operating income | $2,466,000 | 1,411 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $13,784,000 | 746 |
| Total interest expense | $7,451,000 | 663 |
| Net interest income | $6,333,000 | 882 |
| Provision for loan and lease losses | $400,000 | 618 |
| Total noninterest income | $697,000 | 1,742 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $358,000 | 1,209 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $339,000 | 1,792 |
| Total noninterest expense | $3,877,000 | 1,220 |
| Salaries and employee benefits | $1,831,000 | 1,408 |
| Premises and equipment expense | $634,000 | 1,046 |
| Additional noninterest expense | $1,412,000 | 960 |
| Pre-tax net operating income | $2,753,000 | 857 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,056,000 | 700 |
| Income before extraordinary items | $1,697,000 | 1,044 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,697,000 | 1,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $510,000 | 402 |
| Cash dividends | $1,033,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 595 |
| Net operating income | $1,697,000 | 1,029 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $51,239,000 | 748 |
| Total interest expense | $22,365,000 | 753 |
| Net interest income | $28,874,000 | 767 |
| Provision for loan and lease losses | $2,177,000 | 520 |
| Total noninterest income | $2,578,000 | 1,838 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,369,000 | 1,305 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,209,000 | 1,955 |
| Total noninterest expense | $17,220,000 | 1,041 |
| Salaries and employee benefits | $7,341,000 | 1,333 |
| Premises and equipment expense | $2,333,000 | 1,084 |
| Additional noninterest expense | $7,546,000 | 718 |
| Pre-tax net operating income | $12,055,000 | 823 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $4,625,000 | 678 |
| Income before extraordinary items | $7,430,000 | 1,007 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,430,000 | 1,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,557,000 | 476 |
| Cash dividends | $3,232,000 | 1,039 |
| Sale, conversion, retirement of capital stock, net | $139,000 | 833 |
| Net operating income | $7,430,000 | 992 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $37,564,000 | 764 |
| Total interest expense | $15,093,000 | 817 |
| Net interest income | $22,471,000 | 752 |
| Provision for loan and lease losses | $1,763,000 | 456 |
| Total noninterest income | $1,970,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,076,000 | 1,245 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $894,000 | 1,985 |
| Total noninterest expense | $12,677,000 | 1,069 |
| Salaries and employee benefits | $5,688,000 | 1,294 |
| Premises and equipment expense | $1,684,000 | 1,145 |
| Additional noninterest expense | $5,305,000 | 772 |
| Pre-tax net operating income | $10,001,000 | 789 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,861,000 | 651 |
| Income before extraordinary items | $6,140,000 | 947 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,140,000 | 946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,334,000 | 368 |
| Cash dividends | $2,512,000 | 952 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 718 |
| Net operating income | $6,140,000 | 934 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $24,232,000 | 777 |
| Total interest expense | $9,314,000 | 838 |
| Net interest income | $14,918,000 | 754 |
| Provision for loan and lease losses | $1,106,000 | 465 |
| Total noninterest income | $1,304,000 | 1,830 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $770,000 | 1,148 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $534,000 | 2,131 |
| Total noninterest expense | $8,223,000 | 1,099 |
| Salaries and employee benefits | $3,683,000 | 1,345 |
| Premises and equipment expense | $1,082,000 | 1,193 |
| Additional noninterest expense | $3,458,000 | 778 |
| Pre-tax net operating income | $6,893,000 | 778 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,665,000 | 646 |
| Income before extraordinary items | $4,228,000 | 924 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,228,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,041,000 | 330 |
| Cash dividends | $1,629,000 | 979 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 604 |
| Net operating income | $4,228,000 | 902 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,729,000 | 779 |
| Total interest expense | $4,927,000 | 748 |
| Net interest income | $6,802,000 | 829 |
| Provision for loan and lease losses | $640,000 | 382 |
| Total noninterest income | $706,000 | 1,683 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $380,000 | 1,138 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $326,000 | 1,820 |
| Total noninterest expense | $3,781,000 | 1,209 |
| Salaries and employee benefits | $1,762,000 | 1,413 |
| Premises and equipment expense | $541,000 | 1,193 |
| Additional noninterest expense | $1,478,000 | 899 |
| Pre-tax net operating income | $3,087,000 | 827 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,202,000 | 695 |
| Income before extraordinary items | $1,885,000 | 1,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,885,000 | 1,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 386 |
| Cash dividends | $710,000 | 1,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,885,000 | 997 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $40,163,000 | 801 |
| Total interest expense | $14,958,000 | 760 |
| Net interest income | $25,205,000 | 848 |
| Provision for loan and lease losses | $2,099,000 | 525 |
| Total noninterest income | $2,286,000 | 2,004 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,372,000 | 1,298 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $914,000 | 2,342 |
| Total noninterest expense | $13,771,000 | 1,251 |
| Salaries and employee benefits | $5,887,000 | 1,590 |
| Premises and equipment expense | $2,096,000 | 1,173 |
| Additional noninterest expense | $5,788,000 | 889 |
| Pre-tax net operating income | $11,621,000 | 848 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,510,000 | 701 |
| Income before extraordinary items | $7,111,000 | 1,021 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,111,000 | 1,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,913,000 | 413 |
| Cash dividends | $2,318,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,111,000 | 998 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $28,987,000 | 814 |
| Total interest expense | $10,625,000 | 753 |
| Net interest income | $18,362,000 | 860 |
| Provision for loan and lease losses | $2,038,000 | 376 |
| Total noninterest income | $1,720,000 | 1,994 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,031,000 | 1,278 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $689,000 | 2,341 |
| Total noninterest expense | $10,148,000 | 1,262 |
| Salaries and employee benefits | $4,262,000 | 1,624 |
| Premises and equipment expense | $1,586,000 | 1,145 |
| Additional noninterest expense | $4,300,000 | 883 |
| Pre-tax net operating income | $7,896,000 | 932 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,059,000 | 766 |
| Income before extraordinary items | $4,837,000 | 1,121 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,837,000 | 1,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,882,000 | 303 |
| Cash dividends | $318,000 | 3,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,837,000 | 1,096 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $18,462,000 | 832 |
| Total interest expense | $6,590,000 | 762 |
| Net interest income | $11,872,000 | 881 |
| Provision for loan and lease losses | $1,795,000 | 286 |
| Total noninterest income | $1,185,000 | 1,940 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $700,000 | 1,216 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $485,000 | 2,232 |
| Total noninterest expense | $6,823,000 | 1,244 |
| Salaries and employee benefits | $2,856,000 | 1,617 |
| Premises and equipment expense | $1,063,000 | 1,125 |
| Additional noninterest expense | $2,904,000 | 864 |
| Pre-tax net operating income | $4,439,000 | 1,069 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,715,000 | 862 |
| Income before extraordinary items | $2,724,000 | 1,289 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,724,000 | 1,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,653,000 | 259 |
| Cash dividends | $318,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,724,000 | 1,265 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,800,000 | 856 |
| Total interest expense | $2,957,000 | 813 |
| Net interest income | $5,843,000 | 893 |
| Provision for loan and lease losses | $349,000 | 676 |
| Total noninterest income | $594,000 | 1,899 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $370,000 | 1,125 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $224,000 | 2,309 |
| Total noninterest expense | $3,526,000 | 1,199 |
| Salaries and employee benefits | $1,589,000 | 1,461 |
| Premises and equipment expense | $534,000 | 1,124 |
| Additional noninterest expense | $1,403,000 | 891 |
| Pre-tax net operating income | $2,562,000 | 916 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $990,000 | 771 |
| Income before extraordinary items | $1,572,000 | 1,098 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,572,000 | 1,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $570,000 | 317 |
| Cash dividends | $273,000 | 1,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,572,000 | 1,071 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $30,153,000 | 932 |
| Total interest expense | $8,121,000 | 994 |
| Net interest income | $22,032,000 | 890 |
| Provision for loan and lease losses | $1,398,000 | 774 |
| Total noninterest income | $2,348,000 | 1,960 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,649,000 | 1,085 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $699,000 | 2,708 |
| Total noninterest expense | $14,732,000 | 1,103 |
| Salaries and employee benefits | $7,170,000 | 1,216 |
| Premises and equipment expense | $2,088,000 | 1,100 |
| Additional noninterest expense | $5,474,000 | 916 |
| Pre-tax net operating income | $8,250,000 | 1,064 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,161,000 | 864 |
| Income before extraordinary items | $5,089,000 | 1,280 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,089,000 | 1,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,384,000 | 606 |
| Cash dividends | $4,567,000 | 673 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,089,000 | 1,245 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $21,878,000 | 953 |
| Total interest expense | $5,705,000 | 1,039 |
| Net interest income | $16,173,000 | 912 |
| Provision for loan and lease losses | $985,000 | 792 |
| Total noninterest income | $1,771,000 | 1,957 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,239,000 | 1,088 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $532,000 | 2,693 |
| Total noninterest expense | $11,376,000 | 1,062 |
| Salaries and employee benefits | $5,696,000 | 1,128 |
| Premises and equipment expense | $1,572,000 | 1,102 |
| Additional noninterest expense | $4,108,000 | 902 |
| Pre-tax net operating income | $5,583,000 | 1,179 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,133,000 | 965 |
| Income before extraordinary items | $3,450,000 | 1,428 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,450,000 | 1,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,073,000 | 543 |
| Cash dividends | $3,933,000 | 563 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,450,000 | 1,382 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,148,000 | 973 |
| Total interest expense | $3,569,000 | 1,106 |
| Net interest income | $10,579,000 | 922 |
| Provision for loan and lease losses | $607,000 | 819 |
| Total noninterest income | $1,133,000 | 2,013 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $829,000 | 1,067 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $304,000 | 2,962 |
| Total noninterest expense | $7,617,000 | 1,054 |
| Salaries and employee benefits | $3,789,000 | 1,142 |
| Premises and equipment expense | $1,053,000 | 1,101 |
| Additional noninterest expense | $2,775,000 | 898 |
| Pre-tax net operating income | $3,488,000 | 1,231 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,319,000 | 1,030 |
| Income before extraordinary items | $2,169,000 | 1,485 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,169,000 | 1,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $735,000 | 540 |
| Cash dividends | $3,133,000 | 483 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,169,000 | 1,431 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,938,000 | 996 |
| Total interest expense | $1,759,000 | 1,137 |
| Net interest income | $5,179,000 | 954 |
| Provision for loan and lease losses | $384,000 | 651 |
| Total noninterest income | $572,000 | 1,957 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $400,000 | 1,070 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $172,000 | 2,705 |
| Total noninterest expense | $3,877,000 | 1,045 |
| Salaries and employee benefits | $1,943,000 | 1,120 |
| Premises and equipment expense | $523,000 | 1,129 |
| Additional noninterest expense | $1,411,000 | 880 |
| Pre-tax net operating income | $1,490,000 | 1,394 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $565,000 | 1,190 |
| Income before extraordinary items | $925,000 | 1,703 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $925,000 | 1,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 492 |
| Cash dividends | $1,500,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $925,000 | 1,617 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $27,781,000 | 1,011 |
| Total interest expense | $4,189,000 | 2,124 |
| Net interest income | $23,592,000 | 807 |
| Provision for loan and lease losses | $826,000 | 1,418 |
| Total noninterest income | $2,217,000 | 2,149 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,589,000 | 1,087 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $628,000 | 3,163 |
| Total noninterest expense | $17,255,000 | 942 |
| Salaries and employee benefits | $7,419,000 | 1,145 |
| Premises and equipment expense | $1,823,000 | 1,234 |
| Additional noninterest expense | $8,013,000 | 671 |
| Pre-tax net operating income | $7,728,000 | 1,091 |
| Securities gains (losses) | $94,000 | 1,950 |
| Applicable income taxes | $3,087,000 | 896 |
| Income before extraordinary items | $4,735,000 | 1,349 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,735,000 | 1,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,203,000 | 515 |
| Cash dividends | $4,327,000 | 734 |
| Sale, conversion, retirement of capital stock, net | $347,000 | 534 |
| Net operating income | $4,674,840 | 1,289 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,698,000 | 1,039 |
| Total interest expense | $5,468,000 | 1,270 |
| Net interest income | $15,230,000 | 959 |
| Provision for loan and lease losses | $784,000 | 1,109 |
| Total noninterest income | $1,674,000 | 2,177 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,201,000 | 1,089 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $473,000 | 3,228 |
| Total noninterest expense | $11,033,000 | 1,106 |
| Salaries and employee benefits | $5,383,000 | 1,193 |
| Premises and equipment expense | $1,390,000 | 1,232 |
| Additional noninterest expense | $4,260,000 | 905 |
| Pre-tax net operating income | $5,087,000 | 1,268 |
| Securities gains (losses) | $94,000 | 1,810 |
| Applicable income taxes | $2,042,000 | 1,042 |
| Income before extraordinary items | $3,139,000 | 1,542 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,139,000 | 1,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,957,000 | 452 |
| Cash dividends | $3,928,000 | 586 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 600 |
| Net operating income | $3,078,840 | 1,507 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,721,000 | 1,061 |
| Total interest expense | $3,593,000 | 1,336 |
| Net interest income | $10,128,000 | 956 |
| Provision for loan and lease losses | $740,000 | 834 |
| Total noninterest income | $1,143,000 | 2,135 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $831,000 | 1,038 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $312,000 | 3,220 |
| Total noninterest expense | $7,683,000 | 1,061 |
| Salaries and employee benefits | $3,760,000 | 1,135 |
| Premises and equipment expense | $938,000 | 1,213 |
| Additional noninterest expense | $2,985,000 | 869 |
| Pre-tax net operating income | $2,848,000 | 1,485 |
| Securities gains (losses) | $94,000 | 1,557 |
| Applicable income taxes | $1,162,000 | 1,211 |
| Income before extraordinary items | $1,780,000 | 1,807 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,780,000 | 1,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,301,000 | 440 |
| Cash dividends | $1,854,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 476 |
| Net operating income | $1,719,840 | 1,752 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,596,000 | 1,116 |
| Total interest expense | $1,729,000 | 1,429 |
| Net interest income | $4,867,000 | 994 |
| Provision for loan and lease losses | $279,000 | 1,018 |
| Total noninterest income | $595,000 | 2,011 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $388,000 | 1,070 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $207,000 | 2,666 |
| Total noninterest expense | $3,717,000 | 1,078 |
| Salaries and employee benefits | $1,880,000 | 1,123 |
| Premises and equipment expense | $428,000 | 1,349 |
| Additional noninterest expense | $1,409,000 | 885 |
| Pre-tax net operating income | $1,466,000 | 1,458 |
| Securities gains (losses) | $74,000 | 1,165 |
| Applicable income taxes | $542,000 | 1,278 |
| Income before extraordinary items | $998,000 | 1,610 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $998,000 | 1,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $953,000 | 336 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 297 |
| Net operating income | $949,900 | 1,582 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,443,000 | 2,671 |
| Total interest expense | $3,604,000 | 3,006 |
| Net interest income | $7,839,000 | 2,452 |
| Provision for loan and lease losses | $938,000 | 1,432 |
| Total noninterest income | $2,456,000 | 1,819 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $569,000 | 2,673 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,887,000 | 1,380 |
| Total noninterest expense | $6,286,000 | 2,365 |
| Salaries and employee benefits | $3,321,000 | 2,403 |
| Premises and equipment expense | $579,000 | 3,515 |
| Additional noninterest expense | $2,386,000 | 1,942 |
| Pre-tax net operating income | $3,071,000 | 2,453 |
| Securities gains (losses) | $137,000 | 1,459 |
| Applicable income taxes | $1,146,000 | 1,995 |
| Income before extraordinary items | $2,062,000 | 2,734 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,062,000 | 2,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,198,000 | 819 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $306,000 | 530 |
| Net operating income | $1,974,320 | 2,742 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $33,488,000 | 1,021 |
| Total interest expense | $17,103,000 | 950 |
| Net interest income | $16,385,000 | 1,084 |
| Provision for loan and lease losses | $2,216,000 | 644 |
| Total noninterest income | $3,724,000 | 1,256 |
| Gross Fiduciary activities income | $3,000 | 1,597 |
| Service charges on deposit accounts | $1,200,000 | 1,244 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,521,000 | 1,064 |
| Total noninterest expense | $13,088,000 | 1,130 |
| Salaries and employee benefits | $7,154,000 | 1,039 |
| Premises and equipment expense | $1,711,000 | 1,249 |
| Additional noninterest expense | $4,223,000 | 1,135 |
| Pre-tax net operating income | $4,805,000 | 1,493 |
| Securities gains (losses) | $457,000 | 646 |
| Applicable income taxes | $2,002,000 | 1,176 |
| Income before extraordinary items | $3,260,000 | 1,626 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,260,000 | 1,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,740,000 | 631 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,967,520 | 1,704 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $27,801,000 | 1,279 |
| Total interest expense | $14,127,000 | 1,228 |
| Net interest income | $13,674,000 | 1,282 |
| Provision for loan and lease losses | $1,256,000 | 879 |
| Total noninterest income | $2,881,000 | 1,402 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $884,000 | 1,547 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,997,000 | 1,133 |
| Total noninterest expense | $10,442,000 | 1,328 |
| Salaries and employee benefits | $5,864,000 | 1,210 |
| Premises and equipment expense | $1,525,000 | 1,342 |
| Additional noninterest expense | $3,053,000 | 1,476 |
| Pre-tax net operating income | $4,857,000 | 1,517 |
| Securities gains (losses) | $-63,000 | 9,276 |
| Applicable income taxes | $1,877,000 | 1,236 |
| Income before extraordinary items | $2,917,000 | 1,784 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,917,000 | 1,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $696,000 | 970 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,957,320 | 1,761 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,205,000 | 1,606 |
| Total interest expense | $9,222,000 | 1,632 |
| Net interest income | $10,983,000 | 1,578 |
| Provision for loan and lease losses | $106,000 | 5,108 |
| Total noninterest income | $2,680,000 | 1,487 |
| Gross Fiduciary activities income | $93,000 | 1,002 |
| Service charges on deposit accounts | $878,000 | 1,496 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,709,000 | 1,287 |
| Total noninterest expense | $8,621,000 | 1,593 |
| Salaries and employee benefits | $4,687,000 | 1,472 |
| Premises and equipment expense | $1,297,000 | 1,577 |
| Additional noninterest expense | $2,637,000 | 1,689 |
| Pre-tax net operating income | $4,936,000 | 1,524 |
| Securities gains (losses) | $16,000 | 1,502 |
| Applicable income taxes | $1,882,000 | 1,295 |
| Income before extraordinary items | $3,070,000 | 1,734 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,070,000 | 1,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-218,000 | 10,140 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,059,760 | 1,710 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,590,000 | 1,945 |
| Total interest expense | $8,035,000 | 1,901 |
| Net interest income | $8,555,000 | 2,001 |
| Provision for loan and lease losses | $128,000 | 4,501 |
| Total noninterest income | $1,781,000 | 2,000 |
| Gross Fiduciary activities income | $224,000 | 844 |
| Service charges on deposit accounts | $549,000 | 2,346 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,008,000 | 1,844 |
| Total noninterest expense | $5,913,000 | 2,211 |
| Salaries and employee benefits | $3,357,000 | 1,995 |
| Premises and equipment expense | $830,000 | 2,352 |
| Additional noninterest expense | $1,726,000 | 2,409 |
| Pre-tax net operating income | $4,295,000 | 1,712 |
| Securities gains (losses) | $52,000 | 1,697 |
| Applicable income taxes | $1,651,000 | 1,479 |
| Income before extraordinary items | $2,696,000 | 1,938 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,696,000 | 1,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-390,000 | 10,408 |
| Cash dividends | $133,000 | 5,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,662,720 | 1,899 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,260,000 | 2,141 |
| Total interest expense | $7,956,000 | 1,939 |
| Net interest income | $7,304,000 | 2,388 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $1,418,000 | 2,303 |
| Gross Fiduciary activities income | $537,000 | 629 |
| Service charges on deposit accounts | $421,000 | 3,089 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $460,000 | 2,995 |
| Total noninterest expense | $5,070,000 | 2,526 |
| Salaries and employee benefits | $2,673,000 | 2,484 |
| Premises and equipment expense | $711,000 | 2,699 |
| Additional noninterest expense | $1,686,000 | 2,447 |
| Pre-tax net operating income | $3,552,000 | 2,118 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $1,394,000 | 1,818 |
| Income before extraordinary items | $2,160,000 | 2,405 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,160,000 | 2,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-150,000 | 10,784 |
| Cash dividends | $530,000 | 3,339 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,158,720 | 2,352 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,899,000 | 2,598 |
| Total interest expense | $6,445,000 | 2,393 |
| Net interest income | $6,454,000 | 2,743 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $929,000 | 3,322 |
| Gross Fiduciary activities income | $399,000 | 772 |
| Service charges on deposit accounts | $193,000 | 5,685 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $337,000 | 3,792 |
| Total noninterest expense | $4,615,000 | 2,947 |
| Salaries and employee benefits | $2,437,000 | 2,767 |
| Premises and equipment expense | $562,000 | 3,415 |
| Additional noninterest expense | $1,616,000 | 2,935 |
| Pre-tax net operating income | $2,768,000 | 2,540 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $187,000 | 7,333 |
| Income before extraordinary items | $2,579,000 | 1,919 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,579,000 | 1,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,092 |
| Cash dividends | $408,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 762 |
| Net operating income | $2,580,860 | 1,880 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,247,000 | 2,733 |
| Total interest expense | $6,643,000 | 2,337 |
| Net interest income | $5,604,000 | 3,173 |
| Provision for loan and lease losses | $-520,000 | 11,904 |
| Total noninterest income | $695,000 | 4,110 |
| Gross Fiduciary activities income | $319,000 | 874 |
| Service charges on deposit accounts | $209,000 | 5,529 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $167,000 | 5,659 |
| Total noninterest expense | $4,262,000 | 3,140 |
| Salaries and employee benefits | $2,180,000 | 3,056 |
| Premises and equipment expense | $489,000 | 3,829 |
| Additional noninterest expense | $1,593,000 | 2,939 |
| Pre-tax net operating income | $2,557,000 | 2,782 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $32,000 | 10,549 |
| Income before extraordinary items | $2,514,000 | 2,008 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,514,000 | 2,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-713,000 | 11,943 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 634 |
| Net operating income | $2,524,890 | 1,973 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,375,000 | 3,224 |
| Total interest expense | $4,753,000 | 2,579 |
| Net interest income | $4,622,000 | 3,823 |
| Provision for loan and lease losses | $-960,000 | 12,525 |
| Total noninterest income | $758,000 | 3,886 |
| Gross Fiduciary activities income | $419,000 | 800 |
| Service charges on deposit accounts | $200,000 | 5,872 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $139,000 | 6,445 |
| Total noninterest expense | $4,360,000 | 3,160 |
| Salaries and employee benefits | $2,199,000 | 3,008 |
| Premises and equipment expense | $512,000 | 3,723 |
| Additional noninterest expense | $1,649,000 | 3,046 |
| Pre-tax net operating income | $1,980,000 | 3,450 |
| Securities gains (losses) | $30,000 | 1,467 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $2,010,000 | 2,422 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,010,000 | 2,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-626,000 | 12,554 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,017 |
| Net operating income | $1,980,000 | 2,468 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,432,000 | 3,278 |
| Total interest expense | $4,603,000 | 2,803 |
| Net interest income | $4,829,000 | 3,685 |
| Provision for loan and lease losses | $773,000 | 1,561 |
| Total noninterest income | $807,000 | 3,962 |
| Gross Fiduciary activities income | $394,000 | 846 |
| Service charges on deposit accounts | $221,000 | 5,578 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $192,000 | 5,791 |
| Total noninterest expense | $4,519,000 | 3,106 |
| Salaries and employee benefits | $1,851,000 | 3,520 |
| Premises and equipment expense | $484,000 | 3,981 |
| Additional noninterest expense | $2,184,000 | 2,531 |
| Pre-tax net operating income | $344,000 | 9,861 |
| Securities gains (losses) | $68,000 | 3,011 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $412,000 | 8,311 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $412,000 | 8,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $933,000 | 1,200 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 1,121 |
| Net operating income | $344,000 | 8,733 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,617,000 | 2,785 |
| Total interest expense | $6,482,000 | 2,602 |
| Net interest income | $6,135,000 | 2,974 |
| Provision for loan and lease losses | $9,530,000 | 380 |
| Total noninterest income | $788,000 | 4,023 |
| Gross Fiduciary activities income | $350,000 | 889 |
| Service charges on deposit accounts | $227,000 | 5,480 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $211,000 | 5,489 |
| Total noninterest expense | $5,136,000 | 2,789 |
| Salaries and employee benefits | $1,879,000 | 3,396 |
| Premises and equipment expense | $482,000 | 4,104 |
| Additional noninterest expense | $2,775,000 | 2,125 |
| Pre-tax net operating income | $-7,743,000 | 13,844 |
| Securities gains (losses) | $164,000 | 2,298 |
| Applicable income taxes | $-190,000 | 13,642 |
| Income before extraordinary items | $-7,389,000 | 13,832 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-7,389,000 | 13,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,010,000 | 358 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,041 |
| Net operating income | $-7,548,080 | 13,816 |
* 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.