Home > The Beverly National Bank > Income and Expense
The Beverly National Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,693,000 | 5,896 |
| Total interest expense | $974,000 | 6,079 |
| Net interest income | $2,719,000 | 5,630 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $633,000 | 4,269 |
| Gross Fiduciary activities income | $263,000 | 693 |
| Service charges on deposit accounts | $188,000 | 4,751 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $182,000 | 4,794 |
| Total noninterest expense | $2,191,000 | 6,015 |
| Salaries and employee benefits | $1,272,000 | 5,672 |
| Premises and equipment expense | $390,000 | 5,051 |
| Additional noninterest expense | $529,000 | 6,692 |
| Pre-tax net operating income | $1,161,000 | 2,762 |
| Securities gains (losses) | $2,000 | 3,583 |
| Applicable income taxes | $187,000 | 2,434 |
| Income before extraordinary items | $976,000 | 2,817 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $976,000 | 2,816 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $976,000 | 2,817 |
| Net charge-offs | $179,000 | 5,133 |
| Cash dividends | $1,000,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $974,320 | 2,762 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $18,398,000 | 1,426 |
| Total interest expense | $4,741,000 | 1,919 |
| Net interest income | $13,657,000 | 1,232 |
| Provision for loan and lease losses | $430,000 | 4,065 |
| Total noninterest income | $2,916,000 | 1,349 |
| Gross Fiduciary activities income | $1,186,000 | 289 |
| Service charges on deposit accounts | $812,000 | 1,567 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $918,000 | 1,937 |
| Total noninterest expense | $13,013,000 | 1,185 |
| Salaries and employee benefits | $6,709,000 | 1,107 |
| Premises and equipment expense | $2,095,000 | 975 |
| Additional noninterest expense | $4,209,000 | 1,294 |
| Pre-tax net operating income | $3,130,000 | 1,047 |
| Securities gains (losses) | $29,000 | 2,577 |
| Applicable income taxes | $842,000 | 963 |
| Income before extraordinary items | $2,317,000 | 1,167 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,317,000 | 1,167 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,317,000 | 1,167 |
| Net charge-offs | $179,000 | 4,372 |
| Cash dividends | $1,000,000 | 1,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,295,830 | 1,157 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,441,000 | 1,427 |
| Total interest expense | $3,161,000 | 2,008 |
| Net interest income | $9,280,000 | 1,197 |
| Provision for loan and lease losses | $375,000 | 3,368 |
| Total noninterest income | $1,928,000 | 1,372 |
| Gross Fiduciary activities income | $766,000 | 297 |
| Service charges on deposit accounts | $545,000 | 1,533 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $617,000 | 1,961 |
| Total noninterest expense | $8,722,000 | 1,190 |
| Salaries and employee benefits | $4,425,000 | 1,140 |
| Premises and equipment expense | $1,413,000 | 992 |
| Additional noninterest expense | $2,884,000 | 1,292 |
| Pre-tax net operating income | $2,111,000 | 1,068 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $560,000 | 986 |
| Income before extraordinary items | $1,551,000 | 1,215 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,551,000 | 1,213 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,551,000 | 1,214 |
| Net charge-offs | $8,000 | 6,088 |
| Cash dividends | $1,000,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,551,000 | 1,183 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,294,000 | 1,429 |
| Total interest expense | $1,567,000 | 2,088 |
| Net interest income | $4,727,000 | 1,168 |
| Provision for loan and lease losses | $225,000 | 2,683 |
| Total noninterest income | $968,000 | 1,318 |
| Gross Fiduciary activities income | $385,000 | 292 |
| Service charges on deposit accounts | $277,000 | 1,482 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $306,000 | 1,926 |
| Total noninterest expense | $4,215,000 | 1,185 |
| Salaries and employee benefits | $2,211,000 | 1,141 |
| Premises and equipment expense | $723,000 | 993 |
| Additional noninterest expense | $1,281,000 | 1,286 |
| Pre-tax net operating income | $1,255,000 | 1,017 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $359,000 | 904 |
| Income before extraordinary items | $896,000 | 1,220 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $896,000 | 1,222 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $896,000 | 1,222 |
| Net charge-offs | $-33,000 | 8,077 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $896,000 | 1,144 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $26,574,000 | 1,460 |
| Total interest expense | $9,112,000 | 1,769 |
| Net interest income | $17,462,000 | 1,270 |
| Provision for loan and lease losses | $813,000 | 3,019 |
| Total noninterest income | $4,524,000 | 1,153 |
| Gross Fiduciary activities income | $1,802,000 | 285 |
| Service charges on deposit accounts | $1,222,000 | 1,465 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,500,000 | 1,598 |
| Total noninterest expense | $15,822,000 | 1,238 |
| Salaries and employee benefits | $8,745,000 | 1,133 |
| Premises and equipment expense | $2,797,000 | 991 |
| Additional noninterest expense | $4,280,000 | 1,451 |
| Pre-tax net operating income | $5,351,000 | 1,036 |
| Securities gains (losses) | $-6,971,000 | 8,128 |
| Applicable income taxes | $-1,431,000 | 7,827 |
| Income before extraordinary items | $-189,000 | 6,466 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-189,000 | 6,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 3,531 |
| Cash dividends | $2,000,000 | 1,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $4,272,440 | 1,032 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,156,000 | 1,482 |
| Total interest expense | $7,176,000 | 1,759 |
| Net interest income | $12,980,000 | 1,298 |
| Provision for loan and lease losses | $588,000 | 2,510 |
| Total noninterest income | $3,485,000 | 1,162 |
| Gross Fiduciary activities income | $1,379,000 | 289 |
| Service charges on deposit accounts | $921,000 | 1,469 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,185,000 | 1,618 |
| Total noninterest expense | $11,881,000 | 1,224 |
| Salaries and employee benefits | $6,696,000 | 1,125 |
| Premises and equipment expense | $2,114,000 | 983 |
| Additional noninterest expense | $3,071,000 | 1,461 |
| Pre-tax net operating income | $3,996,000 | 1,251 |
| Securities gains (losses) | $-3,724,000 | 8,168 |
| Applicable income taxes | $1,042,000 | 1,112 |
| Income before extraordinary items | $-770,000 | 7,388 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-770,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,055 |
| Cash dividends | $1,000,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,613,360 | 2,290 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,514,000 | 1,497 |
| Total interest expense | $4,967,000 | 1,778 |
| Net interest income | $8,547,000 | 1,313 |
| Provision for loan and lease losses | $363,000 | 2,274 |
| Total noninterest income | $2,355,000 | 1,163 |
| Gross Fiduciary activities income | $941,000 | 290 |
| Service charges on deposit accounts | $608,000 | 1,458 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $806,000 | 1,632 |
| Total noninterest expense | $7,993,000 | 1,213 |
| Salaries and employee benefits | $4,461,000 | 1,141 |
| Premises and equipment expense | $1,425,000 | 973 |
| Additional noninterest expense | $2,107,000 | 1,397 |
| Pre-tax net operating income | $2,546,000 | 1,357 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $640,000 | 1,323 |
| Income before extraordinary items | $1,906,000 | 1,450 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,906,000 | 1,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,565 |
| Cash dividends | $1,000,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,906,000 | 1,420 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,733,000 | 1,547 |
| Total interest expense | $2,628,000 | 1,793 |
| Net interest income | $4,105,000 | 1,348 |
| Provision for loan and lease losses | $128,000 | 2,378 |
| Total noninterest income | $1,191,000 | 1,155 |
| Gross Fiduciary activities income | $474,000 | 287 |
| Service charges on deposit accounts | $315,000 | 1,387 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $402,000 | 1,624 |
| Total noninterest expense | $3,993,000 | 1,210 |
| Salaries and employee benefits | $2,216,000 | 1,159 |
| Premises and equipment expense | $727,000 | 947 |
| Additional noninterest expense | $1,050,000 | 1,373 |
| Pre-tax net operating income | $1,175,000 | 1,549 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $285,000 | 1,527 |
| Income before extraordinary items | $890,000 | 1,672 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $890,000 | 1,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,539 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $890,000 | 1,609 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $27,068,000 | 1,591 |
| Total interest expense | $11,087,000 | 1,797 |
| Net interest income | $15,981,000 | 1,404 |
| Provision for loan and lease losses | $395,000 | 2,723 |
| Total noninterest income | $4,685,000 | 1,153 |
| Gross Fiduciary activities income | $1,941,000 | 285 |
| Service charges on deposit accounts | $1,308,000 | 1,367 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,436,000 | 1,725 |
| Total noninterest expense | $15,403,000 | 1,208 |
| Salaries and employee benefits | $8,527,000 | 1,169 |
| Premises and equipment expense | $2,500,000 | 1,065 |
| Additional noninterest expense | $4,376,000 | 1,283 |
| Pre-tax net operating income | $4,868,000 | 1,685 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $1,362,000 | 1,505 |
| Income before extraordinary items | $3,507,000 | 1,796 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,507,000 | 1,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-175,000 | 8,432 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,506,280 | 1,786 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,209,000 | 1,601 |
| Total interest expense | $8,195,000 | 1,814 |
| Net interest income | $12,014,000 | 1,405 |
| Provision for loan and lease losses | $325,000 | 2,190 |
| Total noninterest income | $3,474,000 | 1,155 |
| Gross Fiduciary activities income | $1,426,000 | 284 |
| Service charges on deposit accounts | $988,000 | 1,331 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,060,000 | 1,758 |
| Total noninterest expense | $11,628,000 | 1,199 |
| Salaries and employee benefits | $6,459,000 | 1,157 |
| Premises and equipment expense | $1,829,000 | 1,081 |
| Additional noninterest expense | $3,340,000 | 1,228 |
| Pre-tax net operating income | $3,535,000 | 1,841 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $990,000 | 1,662 |
| Income before extraordinary items | $2,545,000 | 1,974 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,545,000 | 1,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-183,000 | 8,458 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,545,000 | 1,961 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,244,000 | 1,643 |
| Total interest expense | $5,269,000 | 1,877 |
| Net interest income | $7,975,000 | 1,437 |
| Provision for loan and lease losses | $250,000 | 1,793 |
| Total noninterest income | $2,365,000 | 1,168 |
| Gross Fiduciary activities income | $941,000 | 290 |
| Service charges on deposit accounts | $699,000 | 1,261 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $725,000 | 1,730 |
| Total noninterest expense | $7,803,000 | 1,214 |
| Salaries and employee benefits | $4,275,000 | 1,195 |
| Premises and equipment expense | $1,211,000 | 1,106 |
| Additional noninterest expense | $2,317,000 | 1,204 |
| Pre-tax net operating income | $2,287,000 | 1,932 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $633,000 | 1,774 |
| Income before extraordinary items | $1,654,000 | 2,059 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,654,000 | 2,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-182,000 | 8,516 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,654,000 | 2,041 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,482,000 | 1,666 |
| Total interest expense | $2,505,000 | 1,944 |
| Net interest income | $3,977,000 | 1,435 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $1,128,000 | 1,194 |
| Gross Fiduciary activities income | $461,000 | 295 |
| Service charges on deposit accounts | $339,000 | 1,271 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $328,000 | 1,845 |
| Total noninterest expense | $3,877,000 | 1,220 |
| Salaries and employee benefits | $2,177,000 | 1,176 |
| Premises and equipment expense | $597,000 | 1,125 |
| Additional noninterest expense | $1,103,000 | 1,230 |
| Pre-tax net operating income | $1,078,000 | 2,034 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $291,000 | 1,888 |
| Income before extraordinary items | $787,000 | 2,094 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $787,000 | 2,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $787,000 | 2,085 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,869,000 | 1,689 |
| Total interest expense | $8,474,000 | 1,946 |
| Net interest income | $15,395,000 | 1,484 |
| Provision for loan and lease losses | $590,000 | 1,655 |
| Total noninterest income | $4,297,000 | 1,234 |
| Gross Fiduciary activities income | $1,816,000 | 285 |
| Service charges on deposit accounts | $1,120,000 | 1,582 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,361,000 | 1,788 |
| Total noninterest expense | $15,104,000 | 1,195 |
| Salaries and employee benefits | $8,929,000 | 1,082 |
| Premises and equipment expense | $2,223,000 | 1,151 |
| Additional noninterest expense | $3,952,000 | 1,347 |
| Pre-tax net operating income | $3,998,000 | 2,263 |
| Securities gains (losses) | $-767,000 | 8,558 |
| Applicable income taxes | $951,000 | 2,269 |
| Income before extraordinary items | $2,280,000 | 2,815 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,280,000 | 2,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $1,298,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,824,570 | 2,361 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,445,000 | 1,719 |
| Total interest expense | $6,037,000 | 1,978 |
| Net interest income | $11,408,000 | 1,521 |
| Provision for loan and lease losses | $440,000 | 1,570 |
| Total noninterest income | $3,120,000 | 1,283 |
| Gross Fiduciary activities income | $1,340,000 | 291 |
| Service charges on deposit accounts | $768,000 | 1,718 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,012,000 | 1,803 |
| Total noninterest expense | $10,929,000 | 1,247 |
| Salaries and employee benefits | $6,526,000 | 1,126 |
| Premises and equipment expense | $1,635,000 | 1,185 |
| Additional noninterest expense | $2,768,000 | 1,433 |
| Pre-tax net operating income | $3,159,000 | 2,234 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,003,000 | 1,886 |
| Income before extraordinary items | $2,156,000 | 2,423 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,156,000 | 2,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $1,299,000 | 1,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,156,000 | 2,413 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,282,000 | 1,740 |
| Total interest expense | $3,747,000 | 2,010 |
| Net interest income | $7,535,000 | 1,525 |
| Provision for loan and lease losses | $290,000 | 1,568 |
| Total noninterest income | $2,080,000 | 1,273 |
| Gross Fiduciary activities income | $918,000 | 291 |
| Service charges on deposit accounts | $472,000 | 1,828 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $690,000 | 1,782 |
| Total noninterest expense | $7,219,000 | 1,268 |
| Salaries and employee benefits | $4,366,000 | 1,128 |
| Premises and equipment expense | $1,092,000 | 1,180 |
| Additional noninterest expense | $1,761,000 | 1,508 |
| Pre-tax net operating income | $2,106,000 | 2,222 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $673,000 | 1,892 |
| Income before extraordinary items | $1,433,000 | 2,429 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,433,000 | 2,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $755,000 | 1,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,433,000 | 2,412 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,506,000 | 1,733 |
| Total interest expense | $1,653,000 | 2,157 |
| Net interest income | $3,853,000 | 1,491 |
| Provision for loan and lease losses | $140,000 | 1,553 |
| Total noninterest income | $1,024,000 | 1,259 |
| Gross Fiduciary activities income | $430,000 | 303 |
| Service charges on deposit accounts | $231,000 | 1,814 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $363,000 | 1,683 |
| Total noninterest expense | $3,668,000 | 1,251 |
| Salaries and employee benefits | $2,237,000 | 1,110 |
| Premises and equipment expense | $546,000 | 1,183 |
| Additional noninterest expense | $885,000 | 1,488 |
| Pre-tax net operating income | $1,069,000 | 2,165 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $342,000 | 1,838 |
| Income before extraordinary items | $727,000 | 2,378 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $727,000 | 2,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $756,000 | 944 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $727,000 | 2,356 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,478,000 | 1,722 |
| Total interest expense | $4,416,000 | 2,449 |
| Net interest income | $15,062,000 | 1,456 |
| Provision for loan and lease losses | $585,000 | 1,679 |
| Total noninterest income | $4,232,000 | 1,221 |
| Gross Fiduciary activities income | $1,729,000 | 297 |
| Service charges on deposit accounts | $922,000 | 1,865 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,581,000 | 1,601 |
| Total noninterest expense | $15,330,000 | 1,118 |
| Salaries and employee benefits | $9,254,000 | 992 |
| Premises and equipment expense | $2,080,000 | 1,184 |
| Additional noninterest expense | $3,996,000 | 1,294 |
| Pre-tax net operating income | $3,379,000 | 2,515 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,027,000 | 2,230 |
| Income before extraordinary items | $2,352,000 | 2,715 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,352,000 | 2,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,966 |
| Cash dividends | $1,496,000 | 1,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,352,000 | 2,683 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,334,000 | 1,710 |
| Total interest expense | $3,119,000 | 2,464 |
| Net interest income | $11,215,000 | 1,438 |
| Provision for loan and lease losses | $440,000 | 1,593 |
| Total noninterest income | $3,008,000 | 1,289 |
| Gross Fiduciary activities income | $1,302,000 | 291 |
| Service charges on deposit accounts | $691,000 | 1,858 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,015,000 | 1,803 |
| Total noninterest expense | $11,465,000 | 1,107 |
| Salaries and employee benefits | $7,108,000 | 953 |
| Premises and equipment expense | $1,416,000 | 1,290 |
| Additional noninterest expense | $2,941,000 | 1,297 |
| Pre-tax net operating income | $2,318,000 | 2,726 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $690,000 | 2,413 |
| Income before extraordinary items | $1,628,000 | 2,934 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,628,000 | 2,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $1,120,000 | 1,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,628,000 | 2,889 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,393,000 | 1,704 |
| Total interest expense | $1,955,000 | 2,464 |
| Net interest income | $7,438,000 | 1,420 |
| Provision for loan and lease losses | $260,000 | 1,721 |
| Total noninterest income | $2,011,000 | 1,255 |
| Gross Fiduciary activities income | $889,000 | 288 |
| Service charges on deposit accounts | $440,000 | 1,913 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $682,000 | 1,772 |
| Total noninterest expense | $7,419,000 | 1,135 |
| Salaries and employee benefits | $4,446,000 | 1,016 |
| Premises and equipment expense | $951,000 | 1,266 |
| Additional noninterest expense | $2,022,000 | 1,245 |
| Pre-tax net operating income | $1,770,000 | 2,400 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $552,000 | 2,116 |
| Income before extraordinary items | $1,218,000 | 2,617 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,218,000 | 2,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,718 |
| Cash dividends | $746,000 | 1,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,218,000 | 2,576 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,582,000 | 1,709 |
| Total interest expense | $832,000 | 2,693 |
| Net interest income | $3,750,000 | 1,409 |
| Provision for loan and lease losses | $140,000 | 1,548 |
| Total noninterest income | $918,000 | 1,336 |
| Gross Fiduciary activities income | $419,000 | 300 |
| Service charges on deposit accounts | $214,000 | 1,893 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $285,000 | 1,950 |
| Total noninterest expense | $3,607,000 | 1,171 |
| Salaries and employee benefits | $2,169,000 | 1,038 |
| Premises and equipment expense | $485,000 | 1,245 |
| Additional noninterest expense | $953,000 | 1,298 |
| Pre-tax net operating income | $921,000 | 2,309 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $285,000 | 2,054 |
| Income before extraordinary items | $636,000 | 2,486 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $636,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $372,000 | 1,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $636,000 | 2,451 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,943,000 | 1,800 |
| Total interest expense | $2,593,000 | 2,954 |
| Net interest income | $13,350,000 | 1,518 |
| Provision for loan and lease losses | $560,000 | 1,778 |
| Total noninterest income | $3,793,000 | 1,338 |
| Gross Fiduciary activities income | $1,707,000 | 283 |
| Service charges on deposit accounts | $961,000 | 1,829 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,125,000 | 1,995 |
| Total noninterest expense | $13,366,000 | 1,227 |
| Salaries and employee benefits | $7,961,000 | 1,085 |
| Premises and equipment expense | $1,565,000 | 1,475 |
| Additional noninterest expense | $3,840,000 | 1,293 |
| Pre-tax net operating income | $3,217,000 | 2,435 |
| Securities gains (losses) | $75,000 | 1,443 |
| Applicable income taxes | $1,003,000 | 2,145 |
| Income before extraordinary items | $2,289,000 | 2,605 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,289,000 | 2,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $561,000 | 1,227 |
| Cash dividends | $1,474,000 | 1,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,236,500 | 2,606 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,576,000 | 1,840 |
| Total interest expense | $1,874,000 | 3,000 |
| Net interest income | $9,702,000 | 1,555 |
| Provision for loan and lease losses | $320,000 | 2,139 |
| Total noninterest income | $2,747,000 | 1,386 |
| Gross Fiduciary activities income | $1,239,000 | 291 |
| Service charges on deposit accounts | $716,000 | 1,850 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $792,000 | 2,086 |
| Total noninterest expense | $9,790,000 | 1,255 |
| Salaries and employee benefits | $5,887,000 | 1,095 |
| Premises and equipment expense | $1,121,000 | 1,552 |
| Additional noninterest expense | $2,782,000 | 1,334 |
| Pre-tax net operating income | $2,339,000 | 2,536 |
| Securities gains (losses) | $74,000 | 1,385 |
| Applicable income taxes | $738,000 | 2,234 |
| Income before extraordinary items | $1,675,000 | 2,701 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,675,000 | 2,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,293 |
| Cash dividends | $1,104,000 | 1,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,623,940 | 2,701 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,334,000 | 1,911 |
| Total interest expense | $1,187,000 | 3,114 |
| Net interest income | $6,147,000 | 1,627 |
| Provision for loan and lease losses | $130,000 | 2,974 |
| Total noninterest income | $1,786,000 | 1,398 |
| Gross Fiduciary activities income | $828,000 | 293 |
| Service charges on deposit accounts | $467,000 | 1,868 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $491,000 | 2,219 |
| Total noninterest expense | $6,397,000 | 1,274 |
| Salaries and employee benefits | $3,807,000 | 1,134 |
| Premises and equipment expense | $744,000 | 1,557 |
| Additional noninterest expense | $1,846,000 | 1,316 |
| Pre-tax net operating income | $1,406,000 | 2,714 |
| Securities gains (losses) | $59,000 | 1,356 |
| Applicable income taxes | $434,000 | 2,430 |
| Income before extraordinary items | $1,031,000 | 2,857 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,031,000 | 2,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 895 |
| Cash dividends | $735,000 | 1,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $989,700 | 2,876 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,585,000 | 1,955 |
| Total interest expense | $597,000 | 3,128 |
| Net interest income | $2,988,000 | 1,673 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $866,000 | 1,401 |
| Gross Fiduciary activities income | $406,000 | 296 |
| Service charges on deposit accounts | $222,000 | 1,899 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $238,000 | 2,201 |
| Total noninterest expense | $3,184,000 | 1,287 |
| Salaries and employee benefits | $1,888,000 | 1,162 |
| Premises and equipment expense | $379,000 | 1,554 |
| Additional noninterest expense | $917,000 | 1,314 |
| Pre-tax net operating income | $610,000 | 3,042 |
| Securities gains (losses) | $59,000 | 1,102 |
| Applicable income taxes | $194,000 | 2,626 |
| Income before extraordinary items | $475,000 | 3,061 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $475,000 | 3,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 492 |
| Cash dividends | $366,000 | 1,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $433,110 | 3,183 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,906,000 | 1,899 |
| Total interest expense | $2,824,000 | 3,021 |
| Net interest income | $12,082,000 | 1,608 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $3,124,000 | 1,632 |
| Gross Fiduciary activities income | $1,506,000 | 304 |
| Service charges on deposit accounts | $836,000 | 2,052 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $782,000 | 2,775 |
| Total noninterest expense | $11,838,000 | 1,358 |
| Salaries and employee benefits | $7,151,000 | 1,196 |
| Premises and equipment expense | $1,565,000 | 1,452 |
| Additional noninterest expense | $3,122,000 | 1,582 |
| Pre-tax net operating income | $3,248,000 | 2,345 |
| Securities gains (losses) | $248,000 | 1,185 |
| Applicable income taxes | $1,349,000 | 1,775 |
| Income before extraordinary items | $2,147,000 | 2,717 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,147,000 | 2,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,938 |
| Cash dividends | $1,444,000 | 1,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,988,280 | 2,751 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,338,000 | 1,910 |
| Total interest expense | $2,213,000 | 3,002 |
| Net interest income | $9,125,000 | 1,609 |
| Provision for loan and lease losses | $120,000 | 4,343 |
| Total noninterest income | $2,344,000 | 1,666 |
| Gross Fiduciary activities income | $1,130,000 | 316 |
| Service charges on deposit accounts | $612,000 | 2,103 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $602,000 | 2,828 |
| Total noninterest expense | $8,815,000 | 1,381 |
| Salaries and employee benefits | $5,381,000 | 1,195 |
| Premises and equipment expense | $1,184,000 | 1,454 |
| Additional noninterest expense | $2,250,000 | 1,618 |
| Pre-tax net operating income | $2,534,000 | 2,357 |
| Securities gains (losses) | $248,000 | 1,091 |
| Applicable income taxes | $1,068,000 | 1,763 |
| Income before extraordinary items | $1,714,000 | 2,671 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,714,000 | 2,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 9,039 |
| Cash dividends | $1,081,000 | 1,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,555,280 | 2,742 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,623,000 | 1,909 |
| Total interest expense | $1,556,000 | 2,947 |
| Net interest income | $6,067,000 | 1,606 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $1,752,000 | 1,514 |
| Gross Fiduciary activities income | $769,000 | 320 |
| Service charges on deposit accounts | $416,000 | 2,022 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $567,000 | 2,259 |
| Total noninterest expense | $6,021,000 | 1,353 |
| Salaries and employee benefits | $3,735,000 | 1,138 |
| Premises and equipment expense | $808,000 | 1,422 |
| Additional noninterest expense | $1,478,000 | 1,643 |
| Pre-tax net operating income | $1,678,000 | 2,369 |
| Securities gains (losses) | $220,000 | 985 |
| Applicable income taxes | $726,000 | 1,765 |
| Income before extraordinary items | $1,172,000 | 2,632 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,172,000 | 2,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 9,062 |
| Cash dividends | $719,000 | 1,687 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,031,200 | 2,748 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,789,000 | 1,935 |
| Total interest expense | $770,000 | 3,037 |
| Net interest income | $3,019,000 | 1,624 |
| Provision for loan and lease losses | $100,000 | 2,353 |
| Total noninterest income | $865,000 | 1,484 |
| Gross Fiduciary activities income | $356,000 | 334 |
| Service charges on deposit accounts | $212,000 | 1,930 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $297,000 | 2,121 |
| Total noninterest expense | $2,985,000 | 1,353 |
| Salaries and employee benefits | $1,831,000 | 1,160 |
| Premises and equipment expense | $419,000 | 1,380 |
| Additional noninterest expense | $735,000 | 1,604 |
| Pre-tax net operating income | $799,000 | 2,474 |
| Securities gains (losses) | $171,000 | 719 |
| Applicable income taxes | $372,000 | 1,731 |
| Income before extraordinary items | $598,000 | 2,552 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $598,000 | 2,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,460 |
| Cash dividends | $357,000 | 1,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $488,560 | 2,859 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,789,000 | 1,837 |
| Total interest expense | $4,336,000 | 2,562 |
| Net interest income | $12,453,000 | 1,557 |
| Provision for loan and lease losses | $304,000 | 3,386 |
| Total noninterest income | $3,419,000 | 1,410 |
| Gross Fiduciary activities income | $1,584,000 | 322 |
| Service charges on deposit accounts | $329,000 | 4,026 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,506,000 | 1,639 |
| Total noninterest expense | $12,136,000 | 1,269 |
| Salaries and employee benefits | $7,131,000 | 1,120 |
| Premises and equipment expense | $1,710,000 | 1,280 |
| Additional noninterest expense | $3,295,000 | 1,440 |
| Pre-tax net operating income | $3,432,000 | 2,247 |
| Securities gains (losses) | $299,000 | 897 |
| Applicable income taxes | $1,369,000 | 1,774 |
| Income before extraordinary items | $2,362,000 | 2,455 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,362,000 | 2,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 2,436 |
| Cash dividends | $1,358,000 | 1,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,170,640 | 2,547 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,197,000 | 1,884 |
| Total interest expense | $6,131,000 | 2,606 |
| Net interest income | $12,066,000 | 1,476 |
| Provision for loan and lease losses | $135,000 | 4,984 |
| Total noninterest income | $3,054,000 | 1,463 |
| Gross Fiduciary activities income | $1,676,000 | 318 |
| Service charges on deposit accounts | $319,000 | 4,009 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,059,000 | 1,958 |
| Total noninterest expense | $10,857,000 | 1,350 |
| Salaries and employee benefits | $6,106,000 | 1,220 |
| Premises and equipment expense | $1,670,000 | 1,281 |
| Additional noninterest expense | $3,081,000 | 1,511 |
| Pre-tax net operating income | $4,128,000 | 1,725 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,552,000 | 1,454 |
| Income before extraordinary items | $2,576,000 | 2,027 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,576,000 | 2,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,093 |
| Cash dividends | $1,243,000 | 1,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,576,000 | 1,949 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,312,000 | 2,036 |
| Total interest expense | $5,797,000 | 2,879 |
| Net interest income | $11,515,000 | 1,528 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $2,718,000 | 1,471 |
| Gross Fiduciary activities income | $1,610,000 | 328 |
| Service charges on deposit accounts | $406,000 | 3,202 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $702,000 | 2,357 |
| Total noninterest expense | $10,032,000 | 1,381 |
| Salaries and employee benefits | $5,475,000 | 1,293 |
| Premises and equipment expense | $1,568,000 | 1,302 |
| Additional noninterest expense | $2,989,000 | 1,501 |
| Pre-tax net operating income | $4,201,000 | 1,747 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,568,000 | 1,453 |
| Income before extraordinary items | $2,633,000 | 1,983 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,633,000 | 1,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,265 |
| Cash dividends | $1,061,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,633,000 | 1,994 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,337,000 | 2,124 |
| Total interest expense | $5,196,000 | 2,806 |
| Net interest income | $10,141,000 | 1,716 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $2,481,000 | 1,577 |
| Gross Fiduciary activities income | $1,404,000 | 381 |
| Service charges on deposit accounts | $389,000 | 3,284 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $688,000 | 2,407 |
| Total noninterest expense | $9,050,000 | 1,538 |
| Salaries and employee benefits | $5,228,000 | 1,325 |
| Premises and equipment expense | $1,262,000 | 1,618 |
| Additional noninterest expense | $2,560,000 | 1,739 |
| Pre-tax net operating income | $3,572,000 | 2,043 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,368,000 | 1,715 |
| Income before extraordinary items | $2,204,000 | 2,361 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,204,000 | 2,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-198,000 | 10,129 |
| Cash dividends | $892,000 | 2,487 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,204,000 | 2,333 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,219,000 | 2,139 |
| Total interest expense | $5,571,000 | 2,720 |
| Net interest income | $9,648,000 | 1,771 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $2,087,000 | 1,764 |
| Gross Fiduciary activities income | $1,228,000 | 412 |
| Service charges on deposit accounts | $388,000 | 3,217 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $471,000 | 3,093 |
| Total noninterest expense | $8,349,000 | 1,589 |
| Salaries and employee benefits | $4,927,000 | 1,334 |
| Premises and equipment expense | $1,173,000 | 1,683 |
| Additional noninterest expense | $2,249,000 | 1,878 |
| Pre-tax net operating income | $3,386,000 | 2,127 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,251,000 | 1,917 |
| Income before extraordinary items | $2,135,000 | 2,410 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,135,000 | 2,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,246 |
| Cash dividends | $687,000 | 2,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,135,000 | 2,329 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,364,000 | 2,272 |
| Total interest expense | $4,998,000 | 2,975 |
| Net interest income | $9,366,000 | 1,863 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $2,034,000 | 1,739 |
| Gross Fiduciary activities income | $1,108,000 | 437 |
| Service charges on deposit accounts | $444,000 | 2,934 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $482,000 | 2,895 |
| Total noninterest expense | $7,831,000 | 1,670 |
| Salaries and employee benefits | $4,784,000 | 1,375 |
| Premises and equipment expense | $1,123,000 | 1,757 |
| Additional noninterest expense | $1,924,000 | 2,174 |
| Pre-tax net operating income | $3,569,000 | 2,105 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,387,000 | 1,835 |
| Income before extraordinary items | $2,182,000 | 2,387 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,182,000 | 2,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,716 |
| Cash dividends | $498,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,182,000 | 2,330 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,956,000 | 2,580 |
| Total interest expense | $4,444,000 | 3,359 |
| Net interest income | $8,512,000 | 2,101 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,986,000 | 1,848 |
| Gross Fiduciary activities income | $874,000 | 547 |
| Service charges on deposit accounts | $427,000 | 3,150 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $685,000 | 2,335 |
| Total noninterest expense | $6,962,000 | 2,009 |
| Salaries and employee benefits | $4,246,000 | 1,565 |
| Premises and equipment expense | $1,004,000 | 1,991 |
| Additional noninterest expense | $1,712,000 | 2,801 |
| Pre-tax net operating income | $3,536,000 | 2,035 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,455,000 | 1,645 |
| Income before extraordinary items | $2,081,000 | 2,373 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,081,000 | 2,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-124,000 | 11,265 |
| Cash dividends | $612,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,081,000 | 2,323 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,627,000 | 2,861 |
| Total interest expense | $4,059,000 | 3,630 |
| Net interest income | $7,568,000 | 2,368 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,849,000 | 1,957 |
| Gross Fiduciary activities income | $918,000 | 550 |
| Service charges on deposit accounts | $416,000 | 3,236 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $515,000 | 2,818 |
| Total noninterest expense | $6,825,000 | 2,025 |
| Salaries and employee benefits | $4,009,000 | 1,652 |
| Premises and equipment expense | $952,000 | 2,104 |
| Additional noninterest expense | $1,864,000 | 2,561 |
| Pre-tax net operating income | $2,592,000 | 2,749 |
| Securities gains (losses) | $-7,000 | 9,876 |
| Applicable income taxes | $1,076,000 | 2,232 |
| Income before extraordinary items | $1,509,000 | 3,233 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,509,000 | 3,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $721,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,513,480 | 3,204 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,964,000 | 2,772 |
| Total interest expense | $3,297,000 | 3,638 |
| Net interest income | $7,667,000 | 2,350 |
| Provision for loan and lease losses | $215,000 | 2,891 |
| Total noninterest income | $1,663,000 | 2,115 |
| Gross Fiduciary activities income | $789,000 | 587 |
| Service charges on deposit accounts | $666,000 | 2,032 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $208,000 | 5,136 |
| Total noninterest expense | $6,936,000 | 2,060 |
| Salaries and employee benefits | $4,036,000 | 1,654 |
| Premises and equipment expense | $884,000 | 2,281 |
| Additional noninterest expense | $2,016,000 | 2,557 |
| Pre-tax net operating income | $2,179,000 | 3,206 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $909,000 | 2,447 |
| Income before extraordinary items | $1,267,000 | 3,671 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,267,000 | 3,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $905,000 | 927 |
| Cash dividends | $443,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,268,920 | 3,708 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,339,000 | 2,730 |
| Total interest expense | $3,913,000 | 3,228 |
| Net interest income | $7,426,000 | 2,414 |
| Provision for loan and lease losses | $650,000 | 1,745 |
| Total noninterest income | $1,731,000 | 2,188 |
| Gross Fiduciary activities income | $780,000 | 620 |
| Service charges on deposit accounts | $622,000 | 2,201 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $329,000 | 4,242 |
| Total noninterest expense | $6,740,000 | 2,168 |
| Salaries and employee benefits | $3,835,000 | 1,748 |
| Premises and equipment expense | $901,000 | 2,274 |
| Additional noninterest expense | $2,004,000 | 2,734 |
| Pre-tax net operating income | $1,767,000 | 3,751 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $701,000 | 3,114 |
| Income before extraordinary items | $1,066,000 | 4,434 |
| Extraordinary gains, net | $99,000 | 1,589 |
| Net income | $1,165,000 | 4,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $440,000 | 1,930 |
| Cash dividends | $303,000 | 4,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,066,000 | 4,212 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,345,000 | 2,835 |
| Total interest expense | $5,318,000 | 3,112 |
| Net interest income | $7,027,000 | 2,578 |
| Provision for loan and lease losses | $2,280,000 | 1,044 |
| Total noninterest income | $1,531,000 | 2,353 |
| Gross Fiduciary activities income | $627,000 | 691 |
| Service charges on deposit accounts | $600,000 | 2,290 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $304,000 | 4,389 |
| Total noninterest expense | $6,235,000 | 2,342 |
| Salaries and employee benefits | $3,214,000 | 2,049 |
| Premises and equipment expense | $850,000 | 2,429 |
| Additional noninterest expense | $2,171,000 | 2,618 |
| Pre-tax net operating income | $43,000 | 12,457 |
| Securities gains (losses) | $264,000 | 1,651 |
| Applicable income taxes | $101,000 | 9,893 |
| Income before extraordinary items | $206,000 | 10,515 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $206,000 | 10,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $995,000 | 1,564 |
| Cash dividends | $306,000 | 3,949 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $29,120 | 12,474 |
* 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.