Home > The Coastal Bank > Income and Expense
The Coastal Bank, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $8,909,000 | 1,421 |
| Total interest expense | $679,000 | 2,107 |
| Net interest income | $8,230,000 | 1,350 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $2,318,000 | 1,147 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $816,000 | 822 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $1,502,000 | 1,097 |
| Total noninterest expense | $13,921,000 | 730 |
| Salaries and employee benefits | $5,053,000 | 1,082 |
| Premises and equipment expense | $767,000 | 1,548 |
| Additional noninterest expense | $8,101,000 | 425 |
| Pre-tax net operating income | $-3,373,000 | 6,646 |
| Securities gains (losses) | $15,000 | 1,782 |
| Applicable income taxes | $-1,490,000 | 6,630 |
| Income before extraordinary items | $-1,868,000 | 6,622 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,868,000 | 6,622 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-1,868,000 | 6,622 |
| Net charge-offs | $30,000 | 3,174 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-1,877,600 | 6,623 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $4,468,000 | 1,415 |
| Total interest expense | $343,000 | 2,117 |
| Net interest income | $4,125,000 | 1,338 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $1,153,000 | 1,115 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $413,000 | 795 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $740,000 | 1,074 |
| Total noninterest expense | $4,304,000 | 1,185 |
| Salaries and employee benefits | $2,481,000 | 1,118 |
| Premises and equipment expense | $369,000 | 1,637 |
| Additional noninterest expense | $1,454,000 | 1,101 |
| Pre-tax net operating income | $974,000 | 1,813 |
| Securities gains (losses) | $15,000 | 1,042 |
| Applicable income taxes | $287,000 | 1,387 |
| Income before extraordinary items | $702,000 | 1,994 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $702,000 | 1,997 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $702,000 | 1,997 |
| Net charge-offs | $-242,000 | 6,615 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $691,350 | 1,989 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $17,029,000 | 1,480 |
| Total interest expense | $1,954,000 | 1,744 |
| Net interest income | $15,075,000 | 1,439 |
| Provision for loan and lease losses | $1,525,000 | 780 |
| Total noninterest income | $5,438,000 | 1,061 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $1,671,000 | 828 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,767,000 | 980 |
| Total noninterest expense | $17,410,000 | 1,176 |
| Salaries and employee benefits | $9,159,000 | 1,184 |
| Premises and equipment expense | $1,677,000 | 1,418 |
| Additional noninterest expense | $6,574,000 | 1,030 |
| Pre-tax net operating income | $1,578,000 | 3,313 |
| Securities gains (losses) | $4,000 | 2,846 |
| Applicable income taxes | $203,000 | 2,940 |
| Income before extraordinary items | $1,379,000 | 3,316 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,379,000 | 3,318 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,379,000 | 3,319 |
| Net charge-offs | $1,916,000 | 770 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,375,520 | 3,261 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $12,507,000 | 1,513 |
| Total interest expense | $1,565,000 | 1,676 |
| Net interest income | $10,942,000 | 1,491 |
| Provision for loan and lease losses | $1,320,000 | 720 |
| Total noninterest income | $4,482,000 | 1,015 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $1,211,000 | 863 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,271,000 | 918 |
| Total noninterest expense | $12,809,000 | 1,203 |
| Salaries and employee benefits | $6,958,000 | 1,177 |
| Premises and equipment expense | $1,278,000 | 1,407 |
| Additional noninterest expense | $4,573,000 | 1,106 |
| Pre-tax net operating income | $1,295,000 | 3,210 |
| Securities gains (losses) | $4,000 | 2,720 |
| Applicable income taxes | $206,000 | 2,769 |
| Income before extraordinary items | $1,093,000 | 3,258 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,093,000 | 3,261 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,093,000 | 3,262 |
| Net charge-offs | $1,642,000 | 698 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,089,640 | 3,188 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $8,262,000 | 1,525 |
| Total interest expense | $1,128,000 | 1,585 |
| Net interest income | $7,134,000 | 1,513 |
| Provision for loan and lease losses | $595,000 | 1,042 |
| Total noninterest income | $3,525,000 | 900 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $761,000 | 889 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,764,000 | 776 |
| Total noninterest expense | $8,610,000 | 1,183 |
| Salaries and employee benefits | $4,735,000 | 1,160 |
| Premises and equipment expense | $844,000 | 1,427 |
| Additional noninterest expense | $3,031,000 | 1,113 |
| Pre-tax net operating income | $1,454,000 | 2,252 |
| Securities gains (losses) | $4,000 | 2,503 |
| Applicable income taxes | $368,000 | 1,822 |
| Income before extraordinary items | $1,090,000 | 2,453 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,090,000 | 2,460 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,090,000 | 2,459 |
| Net charge-offs | $817,000 | 892 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,087,000 | 2,370 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $4,067,000 | 1,557 |
| Total interest expense | $589,000 | 1,565 |
| Net interest income | $3,478,000 | 1,556 |
| Provision for loan and lease losses | $165,000 | 1,527 |
| Total noninterest income | $1,640,000 | 957 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $362,000 | 914 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,278,000 | 827 |
| Total noninterest expense | $4,306,000 | 1,185 |
| Salaries and employee benefits | $2,336,000 | 1,177 |
| Premises and equipment expense | $420,000 | 1,452 |
| Additional noninterest expense | $1,550,000 | 1,076 |
| Pre-tax net operating income | $647,000 | 2,415 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $144,000 | 2,029 |
| Income before extraordinary items | $503,000 | 2,575 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $503,000 | 2,578 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $503,000 | 2,577 |
| Net charge-offs | $277,000 | 1,114 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $503,000 | 2,484 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $18,208,000 | 1,460 |
| Total interest expense | $3,036,000 | 1,462 |
| Net interest income | $15,172,000 | 1,446 |
| Provision for loan and lease losses | $925,000 | 1,860 |
| Total noninterest income | $1,970,000 | 2,203 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,221,000 | 1,163 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $749,000 | 2,788 |
| Total noninterest expense | $17,594,000 | 1,149 |
| Salaries and employee benefits | $8,677,000 | 1,215 |
| Premises and equipment expense | $1,688,000 | 1,414 |
| Additional noninterest expense | $7,229,000 | 971 |
| Pre-tax net operating income | $-1,377,000 | 6,724 |
| Securities gains (losses) | $2,333,000 | 226 |
| Applicable income taxes | $34,000 | 4,016 |
| Income before extraordinary items | $922,000 | 4,044 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $922,000 | 4,044 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $922,000 | 4,046 |
| Net charge-offs | $2,841,000 | 878 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-1,317,680 | 6,731 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $13,815,000 | 1,467 |
| Total interest expense | $2,396,000 | 1,457 |
| Net interest income | $11,419,000 | 1,454 |
| Provision for loan and lease losses | $600,000 | 2,031 |
| Total noninterest income | $1,138,000 | 2,592 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $840,000 | 1,278 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $298,000 | 3,704 |
| Total noninterest expense | $12,994,000 | 1,159 |
| Salaries and employee benefits | $6,452,000 | 1,220 |
| Premises and equipment expense | $1,261,000 | 1,423 |
| Additional noninterest expense | $5,281,000 | 986 |
| Pre-tax net operating income | $-1,037,000 | 6,844 |
| Securities gains (losses) | $2,225,000 | 177 |
| Applicable income taxes | $277,000 | 2,542 |
| Income before extraordinary items | $911,000 | 3,610 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $911,000 | 3,610 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $911,000 | 3,612 |
| Net charge-offs | $2,441,000 | 792 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-802,250 | 6,794 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $9,203,000 | 1,479 |
| Total interest expense | $1,664,000 | 1,452 |
| Net interest income | $7,539,000 | 1,481 |
| Provision for loan and lease losses | $479,000 | 1,870 |
| Total noninterest income | $1,056,000 | 2,088 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $516,000 | 1,382 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $540,000 | 2,234 |
| Total noninterest expense | $8,397,000 | 1,200 |
| Salaries and employee benefits | $4,183,000 | 1,249 |
| Premises and equipment expense | $822,000 | 1,443 |
| Additional noninterest expense | $3,392,000 | 1,028 |
| Pre-tax net operating income | $-281,000 | 6,681 |
| Securities gains (losses) | $1,687,000 | 161 |
| Applicable income taxes | $456,000 | 1,576 |
| Income before extraordinary items | $950,000 | 2,701 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $950,000 | 2,701 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $950,000 | 2,701 |
| Net charge-offs | $1,924,000 | 712 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-197,160 | 6,641 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,675,000 | 1,475 |
| Total interest expense | $835,000 | 1,511 |
| Net interest income | $3,840,000 | 1,447 |
| Provision for loan and lease losses | $99,000 | 2,931 |
| Total noninterest income | $925,000 | 1,392 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $258,000 | 1,362 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $667,000 | 1,222 |
| Total noninterest expense | $3,974,000 | 1,255 |
| Salaries and employee benefits | $2,031,000 | 1,280 |
| Premises and equipment expense | $408,000 | 1,458 |
| Additional noninterest expense | $1,535,000 | 1,111 |
| Pre-tax net operating income | $692,000 | 2,287 |
| Securities gains (losses) | $653,000 | 218 |
| Applicable income taxes | $480,000 | 923 |
| Income before extraordinary items | $865,000 | 1,681 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $865,000 | 1,681 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $865,000 | 1,682 |
| Net charge-offs | $-27,000 | 6,953 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $447,080 | 2,710 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $19,275,000 | 1,476 |
| Total interest expense | $4,335,000 | 1,399 |
| Net interest income | $14,940,000 | 1,489 |
| Provision for loan and lease losses | $3,307,000 | 1,096 |
| Total noninterest income | $2,698,000 | 1,614 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,171,000 | 1,255 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,527,000 | 1,631 |
| Total noninterest expense | $24,235,000 | 816 |
| Salaries and employee benefits | $7,424,000 | 1,335 |
| Premises and equipment expense | $1,687,000 | 1,474 |
| Additional noninterest expense | $15,124,000 | 498 |
| Pre-tax net operating income | $-9,904,000 | 7,210 |
| Securities gains (losses) | $332,000 | 1,063 |
| Applicable income taxes | $-3,907,000 | 7,294 |
| Income before extraordinary items | $-5,665,000 | 7,098 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,665,000 | 7,096 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-5,665,000 | 7,097 |
| Net charge-offs | $4,215,000 | 917 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-5,877,480 | 7,098 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $14,431,000 | 1,501 |
| Total interest expense | $3,411,000 | 1,389 |
| Net interest income | $11,020,000 | 1,522 |
| Provision for loan and lease losses | $2,132,000 | 1,186 |
| Total noninterest income | $2,101,000 | 1,557 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $861,000 | 1,295 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,240,000 | 1,527 |
| Total noninterest expense | $11,480,000 | 1,290 |
| Salaries and employee benefits | $5,567,000 | 1,336 |
| Premises and equipment expense | $1,294,000 | 1,461 |
| Additional noninterest expense | $4,619,000 | 1,138 |
| Pre-tax net operating income | $-491,000 | 6,602 |
| Securities gains (losses) | $332,000 | 866 |
| Applicable income taxes | $-177,000 | 7,072 |
| Income before extraordinary items | $18,000 | 6,194 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $18,000 | 6,195 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $18,000 | 6,195 |
| Net charge-offs | $3,098,000 | 927 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-194,480 | 6,426 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $9,602,000 | 1,514 |
| Total interest expense | $2,366,000 | 1,385 |
| Net interest income | $7,236,000 | 1,551 |
| Provision for loan and lease losses | $1,807,000 | 987 |
| Total noninterest income | $1,290,000 | 1,640 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $560,000 | 1,299 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $730,000 | 1,668 |
| Total noninterest expense | $7,359,000 | 1,349 |
| Salaries and employee benefits | $3,707,000 | 1,348 |
| Premises and equipment expense | $868,000 | 1,454 |
| Additional noninterest expense | $2,784,000 | 1,269 |
| Pre-tax net operating income | $-640,000 | 6,853 |
| Securities gains (losses) | $49,000 | 1,610 |
| Applicable income taxes | $-291,000 | 7,260 |
| Income before extraordinary items | $-300,000 | 6,721 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-300,000 | 6,721 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-300,000 | 6,722 |
| Net charge-offs | $2,399,000 | 802 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-331,360 | 6,710 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,744,000 | 1,547 |
| Total interest expense | $1,224,000 | 1,388 |
| Net interest income | $3,520,000 | 1,587 |
| Provision for loan and lease losses | $807,000 | 1,008 |
| Total noninterest income | $914,000 | 1,297 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $277,000 | 1,287 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $637,000 | 1,132 |
| Total noninterest expense | $3,941,000 | 1,267 |
| Salaries and employee benefits | $1,864,000 | 1,358 |
| Premises and equipment expense | $440,000 | 1,459 |
| Additional noninterest expense | $1,637,000 | 1,087 |
| Pre-tax net operating income | $-314,000 | 6,948 |
| Securities gains (losses) | $48,000 | 772 |
| Applicable income taxes | $-133,000 | 7,326 |
| Income before extraordinary items | $-133,000 | 6,788 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-133,000 | 6,787 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-133,000 | 6,788 |
| Net charge-offs | $1,211,000 | 753 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-163,720 | 6,824 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $20,856,000 | 1,469 |
| Total interest expense | $7,036,000 | 1,165 |
| Net interest income | $13,820,000 | 1,616 |
| Provision for loan and lease losses | $6,875,000 | 887 |
| Total noninterest income | $2,419,000 | 1,804 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,170,000 | 1,287 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,249,000 | 1,908 |
| Total noninterest expense | $16,129,000 | 1,243 |
| Salaries and employee benefits | $7,440,000 | 1,323 |
| Premises and equipment expense | $1,830,000 | 1,401 |
| Additional noninterest expense | $6,859,000 | 1,084 |
| Pre-tax net operating income | $-6,765,000 | 7,220 |
| Securities gains (losses) | $481,000 | 921 |
| Applicable income taxes | $-2,515,000 | 7,496 |
| Income before extraordinary items | $-3,769,000 | 7,079 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,769,000 | 7,079 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,769,000 | 7,080 |
| Net charge-offs | $8,745,000 | 669 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-4,076,840 | 7,087 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $15,990,000 | 1,472 |
| Total interest expense | $5,626,000 | 1,141 |
| Net interest income | $10,364,000 | 1,637 |
| Provision for loan and lease losses | $5,297,000 | 836 |
| Total noninterest income | $1,990,000 | 1,694 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $886,000 | 1,318 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,104,000 | 1,694 |
| Total noninterest expense | $12,387,000 | 1,210 |
| Salaries and employee benefits | $5,445,000 | 1,353 |
| Premises and equipment expense | $1,350,000 | 1,443 |
| Additional noninterest expense | $5,592,000 | 958 |
| Pre-tax net operating income | $-5,330,000 | 7,386 |
| Securities gains (losses) | $481,000 | 765 |
| Applicable income taxes | $-1,941,000 | 7,604 |
| Income before extraordinary items | $-2,908,000 | 7,262 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,908,000 | 7,262 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,908,000 | 7,262 |
| Net charge-offs | $8,086,000 | 543 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,215,840 | 7,277 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $10,782,000 | 1,477 |
| Total interest expense | $3,895,000 | 1,149 |
| Net interest income | $6,887,000 | 1,631 |
| Provision for loan and lease losses | $2,226,000 | 1,185 |
| Total noninterest income | $1,277,000 | 1,692 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $567,000 | 1,384 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $710,000 | 1,660 |
| Total noninterest expense | $7,664,000 | 1,288 |
| Salaries and employee benefits | $3,487,000 | 1,419 |
| Premises and equipment expense | $883,000 | 1,487 |
| Additional noninterest expense | $3,294,000 | 1,077 |
| Pre-tax net operating income | $-1,726,000 | 7,215 |
| Securities gains (losses) | $52,000 | 1,856 |
| Applicable income taxes | $-729,000 | 7,555 |
| Income before extraordinary items | $-945,000 | 7,069 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-945,000 | 7,068 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-945,000 | 7,069 |
| Net charge-offs | $4,125,000 | 653 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-978,280 | 7,056 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,413,000 | 1,503 |
| Total interest expense | $1,989,000 | 1,186 |
| Net interest income | $3,424,000 | 1,656 |
| Provision for loan and lease losses | $670,000 | 1,523 |
| Total noninterest income | $539,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $280,000 | 1,401 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $259,000 | 2,020 |
| Total noninterest expense | $3,567,000 | 1,412 |
| Salaries and employee benefits | $1,740,000 | 1,443 |
| Premises and equipment expense | $432,000 | 1,566 |
| Additional noninterest expense | $1,395,000 | 1,268 |
| Pre-tax net operating income | $-274,000 | 6,938 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-152,000 | 7,518 |
| Income before extraordinary items | $-122,000 | 6,799 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-122,000 | 6,800 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-122,000 | 6,799 |
| Net charge-offs | $1,067,000 | 996 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-122,000 | 6,751 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $23,223,000 | 1,485 |
| Total interest expense | $9,975,000 | 1,198 |
| Net interest income | $13,248,000 | 1,694 |
| Provision for loan and lease losses | $9,487,000 | 914 |
| Total noninterest income | $1,364,000 | 2,730 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,301,000 | 1,330 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $63,000 | 6,140 |
| Total noninterest expense | $14,245,000 | 1,446 |
| Salaries and employee benefits | $7,308,000 | 1,379 |
| Premises and equipment expense | $2,090,000 | 1,301 |
| Additional noninterest expense | $4,847,000 | 1,540 |
| Pre-tax net operating income | $-9,120,000 | 7,453 |
| Securities gains (losses) | $225,000 | 1,462 |
| Applicable income taxes | $-3,413,000 | 7,658 |
| Income before extraordinary items | $-5,482,000 | 7,304 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,482,000 | 7,304 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,482,000 | 7,304 |
| Net charge-offs | $5,893,000 | 1,013 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-5,626,000 | 7,337 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $17,621,000 | 1,487 |
| Total interest expense | $7,717,000 | 1,210 |
| Net interest income | $9,904,000 | 1,695 |
| Provision for loan and lease losses | $7,587,000 | 778 |
| Total noninterest income | $774,000 | 3,339 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $965,000 | 1,336 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-191,000 | 7,869 |
| Total noninterest expense | $10,354,000 | 1,486 |
| Salaries and employee benefits | $5,410,000 | 1,415 |
| Premises and equipment expense | $1,562,000 | 1,315 |
| Additional noninterest expense | $3,382,000 | 1,602 |
| Pre-tax net operating income | $-7,263,000 | 7,637 |
| Securities gains (losses) | $225,000 | 1,208 |
| Applicable income taxes | $-2,443,000 | 7,769 |
| Income before extraordinary items | $-4,595,000 | 7,544 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,595,000 | 7,544 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,595,000 | 7,544 |
| Net charge-offs | $4,447,000 | 897 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,741,250 | 7,561 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,803,000 | 1,517 |
| Total interest expense | $5,331,000 | 1,239 |
| Net interest income | $6,472,000 | 1,728 |
| Provision for loan and lease losses | $2,087,000 | 1,362 |
| Total noninterest income | $1,414,000 | 1,719 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $625,000 | 1,361 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $789,000 | 1,663 |
| Total noninterest expense | $6,765,000 | 1,535 |
| Salaries and employee benefits | $3,501,000 | 1,487 |
| Premises and equipment expense | $992,000 | 1,407 |
| Additional noninterest expense | $2,272,000 | 1,608 |
| Pre-tax net operating income | $-966,000 | 7,005 |
| Securities gains (losses) | $225,000 | 945 |
| Applicable income taxes | $-284,000 | 7,402 |
| Income before extraordinary items | $-457,000 | 6,716 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-457,000 | 6,718 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-457,000 | 6,718 |
| Net charge-offs | $2,277,000 | 1,042 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-601,000 | 6,843 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,898,000 | 1,542 |
| Total interest expense | $2,692,000 | 1,273 |
| Net interest income | $3,206,000 | 1,725 |
| Provision for loan and lease losses | $524,000 | 1,735 |
| Total noninterest income | $671,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $308,000 | 1,340 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $363,000 | 1,722 |
| Total noninterest expense | $3,321,000 | 1,505 |
| Salaries and employee benefits | $1,917,000 | 1,353 |
| Premises and equipment expense | $499,000 | 1,419 |
| Additional noninterest expense | $905,000 | 1,781 |
| Pre-tax net operating income | $32,000 | 5,858 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-5,000 | 7,129 |
| Income before extraordinary items | $37,000 | 5,893 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $37,000 | 5,895 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $37,000 | 5,895 |
| Net charge-offs | $443,000 | 1,446 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $37,000 | 5,725 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $23,692,000 | 1,631 |
| Total interest expense | $10,564,000 | 1,536 |
| Net interest income | $13,128,000 | 1,692 |
| Provision for loan and lease losses | $1,116,000 | 2,545 |
| Total noninterest income | $2,786,000 | 1,674 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,282,000 | 1,403 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,504,000 | 1,594 |
| Total noninterest expense | $12,549,000 | 1,560 |
| Salaries and employee benefits | $7,130,000 | 1,446 |
| Premises and equipment expense | $1,845,000 | 1,500 |
| Additional noninterest expense | $3,574,000 | 1,716 |
| Pre-tax net operating income | $2,249,000 | 2,266 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $715,000 | 1,505 |
| Income before extraordinary items | $1,534,000 | 2,474 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,534,000 | 2,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,410,000 | 645 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,534,000 | 2,617 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,348,000 | 1,714 |
| Total interest expense | $8,167,000 | 1,550 |
| Net interest income | $9,181,000 | 1,844 |
| Provision for loan and lease losses | $480,000 | 2,786 |
| Total noninterest income | $2,203,000 | 1,655 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $945,000 | 1,435 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,258,000 | 1,541 |
| Total noninterest expense | $9,193,000 | 1,588 |
| Salaries and employee benefits | $5,380,000 | 1,463 |
| Premises and equipment expense | $1,448,000 | 1,442 |
| Additional noninterest expense | $2,365,000 | 1,876 |
| Pre-tax net operating income | $1,711,000 | 2,573 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $530,000 | 1,828 |
| Income before extraordinary items | $1,181,000 | 2,785 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,181,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,040,000 | 525 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,181,000 | 2,928 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,169,000 | 1,798 |
| Total interest expense | $5,335,000 | 1,644 |
| Net interest income | $5,834,000 | 1,926 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $1,368,000 | 1,762 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $591,000 | 1,508 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $777,000 | 1,661 |
| Total noninterest expense | $5,872,000 | 1,655 |
| Salaries and employee benefits | $3,448,000 | 1,530 |
| Premises and equipment expense | $918,000 | 1,519 |
| Additional noninterest expense | $1,506,000 | 1,916 |
| Pre-tax net operating income | $1,330,000 | 2,423 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $425,000 | 1,802 |
| Income before extraordinary items | $905,000 | 2,793 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $905,000 | 2,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,298,000 | 398 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $905,000 | 2,740 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,305,000 | 1,921 |
| Total interest expense | $2,753,000 | 1,703 |
| Net interest income | $2,552,000 | 2,170 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $610,000 | 1,933 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $277,000 | 1,582 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $333,000 | 1,845 |
| Total noninterest expense | $2,684,000 | 1,784 |
| Salaries and employee benefits | $1,569,000 | 1,672 |
| Premises and equipment expense | $418,000 | 1,658 |
| Additional noninterest expense | $697,000 | 2,022 |
| Pre-tax net operating income | $478,000 | 3,164 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $141,000 | 2,399 |
| Income before extraordinary items | $337,000 | 3,560 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $337,000 | 3,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $959,000 | 471 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $337,000 | 3,464 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,306,000 | 1,524 |
| Total interest expense | $14,525,000 | 1,379 |
| Net interest income | $13,781,000 | 1,638 |
| Provision for loan and lease losses | $4,425,000 | 455 |
| Total noninterest income | $2,292,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $996,000 | 1,768 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,296,000 | 1,855 |
| Total noninterest expense | $12,018,000 | 1,533 |
| Salaries and employee benefits | $6,515,000 | 1,557 |
| Premises and equipment expense | $2,064,000 | 1,288 |
| Additional noninterest expense | $3,439,000 | 1,611 |
| Pre-tax net operating income | $-370,000 | 7,742 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-282,000 | 8,200 |
| Income before extraordinary items | $-88,000 | 7,622 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-88,000 | 7,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,104,000 | 593 |
| Cash dividends | $2,140,000 | 1,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-88,000 | 7,599 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,274,000 | 1,450 |
| Total interest expense | $11,328,000 | 1,322 |
| Net interest income | $10,946,000 | 1,565 |
| Provision for loan and lease losses | $4,425,000 | 278 |
| Total noninterest income | $1,761,000 | 1,976 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $709,000 | 1,839 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,052,000 | 1,772 |
| Total noninterest expense | $9,047,000 | 1,507 |
| Salaries and employee benefits | $4,888,000 | 1,551 |
| Premises and equipment expense | $1,573,000 | 1,258 |
| Additional noninterest expense | $2,586,000 | 1,561 |
| Pre-tax net operating income | $-765,000 | 8,213 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-391,000 | 8,404 |
| Income before extraordinary items | $-374,000 | 8,057 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-374,000 | 8,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,617,000 | 466 |
| Cash dividends | $2,140,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-374,000 | 8,041 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,612,000 | 1,385 |
| Total interest expense | $7,978,000 | 1,251 |
| Net interest income | $7,634,000 | 1,509 |
| Provision for loan and lease losses | $4,425,000 | 182 |
| Total noninterest income | $1,134,000 | 2,044 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $473,000 | 1,836 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $661,000 | 1,851 |
| Total noninterest expense | $5,866,000 | 1,572 |
| Salaries and employee benefits | $3,034,000 | 1,693 |
| Premises and equipment expense | $1,061,000 | 1,259 |
| Additional noninterest expense | $1,771,000 | 1,533 |
| Pre-tax net operating income | $-1,523,000 | 8,523 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-640,000 | 8,563 |
| Income before extraordinary items | $-883,000 | 8,460 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-883,000 | 8,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,392,000 | 357 |
| Cash dividends | $2,140,000 | 829 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-883,000 | 8,451 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,274,000 | 1,285 |
| Total interest expense | $4,189,000 | 1,169 |
| Net interest income | $4,085,000 | 1,392 |
| Provision for loan and lease losses | $358,000 | 688 |
| Total noninterest income | $592,000 | 1,971 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $248,000 | 1,725 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $344,000 | 1,771 |
| Total noninterest expense | $2,785,000 | 1,661 |
| Salaries and employee benefits | $1,465,000 | 1,768 |
| Premises and equipment expense | $533,000 | 1,264 |
| Additional noninterest expense | $787,000 | 1,703 |
| Pre-tax net operating income | $1,534,000 | 1,512 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $554,000 | 1,191 |
| Income before extraordinary items | $980,000 | 1,747 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $980,000 | 1,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $610,000 | 362 |
| Cash dividends | $720,000 | 1,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $980,000 | 1,732 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $32,769,000 | 1,203 |
| Total interest expense | $15,765,000 | 1,061 |
| Net interest income | $17,004,000 | 1,340 |
| Provision for loan and lease losses | $2,063,000 | 544 |
| Total noninterest income | $2,528,000 | 1,866 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $968,000 | 1,798 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,560,000 | 1,622 |
| Total noninterest expense | $10,450,000 | 1,699 |
| Salaries and employee benefits | $5,864,000 | 1,666 |
| Premises and equipment expense | $1,974,000 | 1,312 |
| Additional noninterest expense | $2,612,000 | 2,035 |
| Pre-tax net operating income | $7,019,000 | 1,402 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,540,000 | 1,084 |
| Income before extraordinary items | $4,479,000 | 1,616 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,479,000 | 1,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $555,000 | 1,084 |
| Cash dividends | $1,165,000 | 2,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,479,000 | 1,601 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $24,246,000 | 1,224 |
| Total interest expense | $11,370,000 | 1,075 |
| Net interest income | $12,876,000 | 1,346 |
| Provision for loan and lease losses | $1,385,000 | 564 |
| Total noninterest income | $1,840,000 | 1,917 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $690,000 | 1,881 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,150,000 | 1,643 |
| Total noninterest expense | $8,117,000 | 1,646 |
| Salaries and employee benefits | $4,762,000 | 1,558 |
| Premises and equipment expense | $1,454,000 | 1,343 |
| Additional noninterest expense | $1,901,000 | 2,069 |
| Pre-tax net operating income | $5,214,000 | 1,454 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,865,000 | 1,153 |
| Income before extraordinary items | $3,349,000 | 1,661 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,349,000 | 1,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 1,198 |
| Cash dividends | $750,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,349,000 | 1,646 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,737,000 | 1,235 |
| Total interest expense | $7,084,000 | 1,097 |
| Net interest income | $8,653,000 | 1,334 |
| Provision for loan and lease losses | $1,061,000 | 482 |
| Total noninterest income | $1,275,000 | 1,865 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $446,000 | 1,915 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $829,000 | 1,554 |
| Total noninterest expense | $5,391,000 | 1,658 |
| Salaries and employee benefits | $3,163,000 | 1,566 |
| Premises and equipment expense | $959,000 | 1,351 |
| Additional noninterest expense | $1,269,000 | 2,067 |
| Pre-tax net operating income | $3,476,000 | 1,450 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,246,000 | 1,161 |
| Income before extraordinary items | $2,230,000 | 1,636 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,230,000 | 1,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 1,257 |
| Cash dividends | $260,000 | 3,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,230,000 | 1,622 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,425,000 | 1,273 |
| Total interest expense | $3,310,000 | 1,100 |
| Net interest income | $4,115,000 | 1,395 |
| Provision for loan and lease losses | $387,000 | 627 |
| Total noninterest income | $630,000 | 1,849 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $218,000 | 1,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $412,000 | 1,545 |
| Total noninterest expense | $2,807,000 | 1,599 |
| Salaries and employee benefits | $1,659,000 | 1,497 |
| Premises and equipment expense | $476,000 | 1,364 |
| Additional noninterest expense | $672,000 | 1,945 |
| Pre-tax net operating income | $1,551,000 | 1,582 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $552,000 | 1,284 |
| Income before extraordinary items | $999,000 | 1,789 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $999,000 | 1,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 1,405 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $999,000 | 1,778 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,449,000 | 1,486 |
| Total interest expense | $8,454,000 | 1,339 |
| Net interest income | $13,995,000 | 1,564 |
| Provision for loan and lease losses | $1,605,000 | 661 |
| Total noninterest income | $2,639,000 | 1,788 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $900,000 | 1,905 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,739,000 | 1,495 |
| Total noninterest expense | $10,046,000 | 1,701 |
| Salaries and employee benefits | $5,722,000 | 1,636 |
| Premises and equipment expense | $1,909,000 | 1,291 |
| Additional noninterest expense | $2,415,000 | 2,078 |
| Pre-tax net operating income | $4,983,000 | 1,875 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,678,000 | 1,566 |
| Income before extraordinary items | $3,305,000 | 2,074 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,305,000 | 2,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,457 |
| Cash dividends | $395,000 | 4,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,305,000 | 2,050 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,262,000 | 1,621 |
| Total interest expense | $5,608,000 | 1,433 |
| Net interest income | $9,654,000 | 1,680 |
| Provision for loan and lease losses | $1,186,000 | 646 |
| Total noninterest income | $1,890,000 | 1,869 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $648,000 | 1,975 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,242,000 | 1,553 |
| Total noninterest expense | $7,354,000 | 1,707 |
| Salaries and employee benefits | $4,200,000 | 1,649 |
| Premises and equipment expense | $1,446,000 | 1,262 |
| Additional noninterest expense | $1,708,000 | 2,172 |
| Pre-tax net operating income | $3,004,000 | 2,240 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $991,000 | 1,891 |
| Income before extraordinary items | $2,013,000 | 2,472 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,013,000 | 2,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,440 |
| Cash dividends | $195,000 | 4,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,013,000 | 2,446 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,335,000 | 1,712 |
| Total interest expense | $3,303,000 | 1,521 |
| Net interest income | $6,032,000 | 1,789 |
| Provision for loan and lease losses | $690,000 | 726 |
| Total noninterest income | $1,305,000 | 1,800 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $421,000 | 1,981 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $884,000 | 1,467 |
| Total noninterest expense | $4,802,000 | 1,737 |
| Salaries and employee benefits | $2,728,000 | 1,681 |
| Premises and equipment expense | $966,000 | 1,240 |
| Additional noninterest expense | $1,108,000 | 2,211 |
| Pre-tax net operating income | $1,845,000 | 2,327 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $609,000 | 1,983 |
| Income before extraordinary items | $1,236,000 | 2,576 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,236,000 | 2,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 1,144 |
| Cash dividends | $25,000 | 4,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,236,000 | 2,543 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,254,000 | 1,837 |
| Total interest expense | $1,436,000 | 1,667 |
| Net interest income | $2,818,000 | 1,909 |
| Provision for loan and lease losses | $280,000 | 839 |
| Total noninterest income | $661,000 | 1,740 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $210,000 | 1,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $451,000 | 1,429 |
| Total noninterest expense | $2,326,000 | 1,795 |
| Salaries and employee benefits | $1,292,000 | 1,786 |
| Premises and equipment expense | $475,000 | 1,265 |
| Additional noninterest expense | $559,000 | 2,186 |
| Pre-tax net operating income | $873,000 | 2,398 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $290,000 | 2,024 |
| Income before extraordinary items | $583,000 | 2,678 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $583,000 | 2,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 795 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $583,000 | 2,636 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,869,000 | 2,042 |
| Total interest expense | $4,567,000 | 1,778 |
| Net interest income | $9,302,000 | 2,194 |
| Provision for loan and lease losses | $127,000 | 4,522 |
| Total noninterest income | $2,335,000 | 1,964 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $996,000 | 1,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,339,000 | 1,769 |
| Total noninterest expense | $8,886,000 | 1,822 |
| Salaries and employee benefits | $4,779,000 | 1,835 |
| Premises and equipment expense | $1,832,000 | 1,252 |
| Additional noninterest expense | $2,275,000 | 2,137 |
| Pre-tax net operating income | $2,624,000 | 2,876 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $839,000 | 2,452 |
| Income before extraordinary items | $1,785,000 | 3,203 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,785,000 | 3,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-264,000 | 8,901 |
| Cash dividends | $125,000 | 5,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,785,000 | 3,146 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,957,000 | 2,140 |
| Total interest expense | $3,310,000 | 1,812 |
| Net interest income | $6,647,000 | 2,275 |
| Provision for loan and lease losses | $100,000 | 4,260 |
| Total noninterest income | $1,719,000 | 2,009 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $758,000 | 1,750 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $961,000 | 1,823 |
| Total noninterest expense | $6,409,000 | 1,867 |
| Salaries and employee benefits | $3,398,000 | 1,927 |
| Premises and equipment expense | $1,345,000 | 1,282 |
| Additional noninterest expense | $1,666,000 | 2,166 |
| Pre-tax net operating income | $1,857,000 | 3,065 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $608,000 | 2,554 |
| Income before extraordinary items | $1,249,000 | 3,443 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,249,000 | 3,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-440,000 | 8,974 |
| Cash dividends | $125,000 | 4,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,249,000 | 3,352 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,421,000 | 2,180 |
| Total interest expense | $2,148,000 | 1,844 |
| Net interest income | $4,273,000 | 2,337 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $1,123,000 | 2,027 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $503,000 | 1,737 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $620,000 | 1,876 |
| Total noninterest expense | $4,208,000 | 1,898 |
| Salaries and employee benefits | $2,209,000 | 1,971 |
| Premises and equipment expense | $870,000 | 1,324 |
| Additional noninterest expense | $1,129,000 | 2,142 |
| Pre-tax net operating income | $1,138,000 | 3,238 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $375,000 | 2,674 |
| Income before extraordinary items | $763,000 | 3,643 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $763,000 | 3,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-529,000 | 9,051 |
| Cash dividends | $125,000 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $763,000 | 3,550 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,170,000 | 2,209 |
| Total interest expense | $1,064,000 | 1,875 |
| Net interest income | $2,106,000 | 2,368 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $519,000 | 2,098 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $256,000 | 1,663 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $263,000 | 2,050 |
| Total noninterest expense | $1,944,000 | 2,063 |
| Salaries and employee benefits | $982,000 | 2,232 |
| Premises and equipment expense | $429,000 | 1,357 |
| Additional noninterest expense | $533,000 | 2,231 |
| Pre-tax net operating income | $681,000 | 2,763 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $243,000 | 2,241 |
| Income before extraordinary items | $438,000 | 3,265 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $438,000 | 3,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-367,000 | 9,085 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $438,000 | 3,154 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,378,000 | 2,331 |
| Total interest expense | $4,262,000 | 2,089 |
| Net interest income | $8,116,000 | 2,401 |
| Provision for loan and lease losses | $708,000 | 1,604 |
| Total noninterest income | $2,539,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,029,000 | 1,672 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,510,000 | 1,812 |
| Total noninterest expense | $8,269,000 | 1,921 |
| Salaries and employee benefits | $4,288,000 | 1,996 |
| Premises and equipment expense | $1,666,000 | 1,363 |
| Additional noninterest expense | $2,315,000 | 2,081 |
| Pre-tax net operating income | $1,678,000 | 3,816 |
| Securities gains (losses) | $196,000 | 1,357 |
| Applicable income taxes | $637,000 | 2,952 |
| Income before extraordinary items | $1,237,000 | 4,055 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,237,000 | 4,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 1,892 |
| Cash dividends | $13,000 | 6,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,107,640 | 4,182 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,111,000 | 2,394 |
| Total interest expense | $3,184,000 | 2,180 |
| Net interest income | $5,927,000 | 2,471 |
| Provision for loan and lease losses | $531,000 | 1,577 |
| Total noninterest income | $1,859,000 | 2,017 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $769,000 | 1,682 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,090,000 | 1,925 |
| Total noninterest expense | $6,046,000 | 1,973 |
| Salaries and employee benefits | $3,120,000 | 2,052 |
| Premises and equipment expense | $1,258,000 | 1,368 |
| Additional noninterest expense | $1,668,000 | 2,152 |
| Pre-tax net operating income | $1,209,000 | 4,052 |
| Securities gains (losses) | $196,000 | 1,240 |
| Applicable income taxes | $495,000 | 3,052 |
| Income before extraordinary items | $910,000 | 4,259 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $910,000 | 4,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $13,000 | 5,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $782,600 | 4,483 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,957,000 | 2,458 |
| Total interest expense | $2,150,000 | 2,218 |
| Net interest income | $3,807,000 | 2,556 |
| Provision for loan and lease losses | $354,000 | 1,573 |
| Total noninterest income | $1,216,000 | 2,037 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $511,000 | 1,651 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $705,000 | 1,956 |
| Total noninterest expense | $3,899,000 | 2,018 |
| Salaries and employee benefits | $2,050,000 | 2,074 |
| Premises and equipment expense | $848,000 | 1,355 |
| Additional noninterest expense | $1,001,000 | 2,368 |
| Pre-tax net operating income | $770,000 | 4,163 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $268,000 | 3,431 |
| Income before extraordinary items | $502,000 | 4,796 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $502,000 | 4,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $13,000 | 5,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $502,000 | 4,586 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,891,000 | 2,537 |
| Total interest expense | $1,087,000 | 2,244 |
| Net interest income | $1,804,000 | 2,677 |
| Provision for loan and lease losses | $177,000 | 1,507 |
| Total noninterest income | $584,000 | 2,039 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $255,000 | 1,610 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $329,000 | 1,980 |
| Total noninterest expense | $1,816,000 | 2,161 |
| Salaries and employee benefits | $947,000 | 2,225 |
| Premises and equipment expense | $421,000 | 1,373 |
| Additional noninterest expense | $448,000 | 2,573 |
| Pre-tax net operating income | $395,000 | 4,064 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $138,000 | 3,370 |
| Income before extraordinary items | $257,000 | 4,644 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $257,000 | 4,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,980 |
| Cash dividends | $13,000 | 3,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $257,000 | 4,436 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,105,000 | 2,746 |
| Total interest expense | $4,558,000 | 2,442 |
| Net interest income | $6,547,000 | 2,910 |
| Provision for loan and lease losses | $944,000 | 1,422 |
| Total noninterest income | $2,380,000 | 1,862 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,094,000 | 1,476 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,286,000 | 1,851 |
| Total noninterest expense | $7,050,000 | 2,133 |
| Salaries and employee benefits | $3,685,000 | 2,174 |
| Premises and equipment expense | $1,320,000 | 1,658 |
| Additional noninterest expense | $2,045,000 | 2,262 |
| Pre-tax net operating income | $933,000 | 5,382 |
| Securities gains (losses) | $57,000 | 2,288 |
| Applicable income taxes | $264,000 | 4,665 |
| Income before extraordinary items | $726,000 | 5,456 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $726,000 | 5,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,951 |
| Cash dividends | $29,000 | 6,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $684,390 | 5,477 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,833,000 | 3,366 |
| Total interest expense | $4,544,000 | 3,421 |
| Net interest income | $5,289,000 | 3,288 |
| Provision for loan and lease losses | $450,000 | 2,395 |
| Total noninterest income | $2,234,000 | 1,842 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,187,000 | 1,259 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,047,000 | 1,974 |
| Total noninterest expense | $6,082,000 | 2,348 |
| Salaries and employee benefits | $3,210,000 | 2,337 |
| Premises and equipment expense | $1,038,000 | 2,048 |
| Additional noninterest expense | $1,834,000 | 2,431 |
| Pre-tax net operating income | $991,000 | 4,920 |
| Securities gains (losses) | $11,000 | 3,540 |
| Applicable income taxes | $340,000 | 4,036 |
| Income before extraordinary items | $662,000 | 5,357 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $662,000 | 5,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,671 |
| Cash dividends | $56,000 | 6,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $654,740 | 5,267 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,823,000 | 4,208 |
| Total interest expense | $3,267,000 | 4,624 |
| Net interest income | $4,556,000 | 3,752 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $1,579,000 | 2,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,194,000 | 1,140 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $385,000 | 3,445 |
| Total noninterest expense | $5,274,000 | 2,577 |
| Salaries and employee benefits | $2,709,000 | 2,631 |
| Premises and equipment expense | $923,000 | 2,231 |
| Additional noninterest expense | $1,642,000 | 2,594 |
| Pre-tax net operating income | $661,000 | 6,371 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $250,000 | 4,981 |
| Income before extraordinary items | $411,000 | 6,788 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $411,000 | 6,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,408 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $411,000 | 6,793 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,479,000 | 5,250 |
| Total interest expense | $1,805,000 | 6,344 |
| Net interest income | $3,674,000 | 4,490 |
| Provision for loan and lease losses | $140,000 | 4,418 |
| Total noninterest income | $1,548,000 | 2,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,144,000 | 1,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $404,000 | 3,393 |
| Total noninterest expense | $4,866,000 | 2,773 |
| Salaries and employee benefits | $2,424,000 | 2,887 |
| Premises and equipment expense | $883,000 | 2,300 |
| Additional noninterest expense | $1,559,000 | 2,772 |
| Pre-tax net operating income | $216,000 | 8,498 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $78,000 | 7,215 |
| Income before extraordinary items | $142,000 | 8,697 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $142,000 | 8,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $548,000 | 1,135 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $139,400 | 8,676 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,865,000 | 5,789 |
| Total interest expense | $1,762,000 | 6,626 |
| Net interest income | $3,103,000 | 5,013 |
| Provision for loan and lease losses | $275,000 | 2,807 |
| Total noninterest income | $1,341,000 | 2,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $978,000 | 1,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $363,000 | 3,629 |
| Total noninterest expense | $4,898,000 | 2,674 |
| Salaries and employee benefits | $2,273,000 | 2,966 |
| Premises and equipment expense | $946,000 | 2,056 |
| Additional noninterest expense | $1,679,000 | 2,483 |
| Pre-tax net operating income | $-729,000 | 10,273 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-232,000 | 10,329 |
| Income before extraordinary items | $-497,000 | 10,225 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-497,000 | 10,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $654,000 | 1,015 |
| Cash dividends | $25,000 | 7,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-497,000 | 10,194 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,761,000 | 5,213 |
| Total interest expense | $2,063,000 | 6,145 |
| Net interest income | $3,698,000 | 4,530 |
| Provision for loan and lease losses | $770,000 | 1,227 |
| Total noninterest income | $2,671,000 | 1,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,106,000 | 1,137 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,565,000 | 1,288 |
| Total noninterest expense | $5,070,000 | 2,526 |
| Salaries and employee benefits | $2,403,000 | 2,753 |
| Premises and equipment expense | $984,000 | 2,011 |
| Additional noninterest expense | $1,683,000 | 2,451 |
| Pre-tax net operating income | $529,000 | 7,767 |
| Securities gains (losses) | $53,000 | 1,310 |
| Applicable income taxes | $194,000 | 6,963 |
| Income before extraordinary items | $388,000 | 7,722 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $388,000 | 7,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 2,116 |
| Cash dividends | $756,000 | 2,644 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $352,490 | 7,922 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,237,000 | 5,035 |
| Total interest expense | $2,249,000 | 5,942 |
| Net interest income | $3,988,000 | 4,337 |
| Provision for loan and lease losses | $544,000 | 1,638 |
| Total noninterest income | $1,308,000 | 2,525 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $968,000 | 1,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $340,000 | 3,773 |
| Total noninterest expense | $4,395,000 | 3,081 |
| Salaries and employee benefits | $2,155,000 | 3,097 |
| Premises and equipment expense | $950,000 | 2,107 |
| Additional noninterest expense | $1,290,000 | 3,556 |
| Pre-tax net operating income | $357,000 | 8,767 |
| Securities gains (losses) | $95,000 | 981 |
| Applicable income taxes | $181,000 | 7,425 |
| Income before extraordinary items | $271,000 | 8,660 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $271,000 | 8,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 1,652 |
| Cash dividends | $210,000 | 5,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $210,200 | 9,146 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,360,000 | 4,940 |
| Total interest expense | $2,265,000 | 5,948 |
| Net interest income | $4,095,000 | 4,226 |
| Provision for loan and lease losses | $361,000 | 2,007 |
| Total noninterest income | $1,431,000 | 2,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,025,000 | 1,322 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $406,000 | 3,287 |
| Total noninterest expense | $4,297,000 | 3,118 |
| Salaries and employee benefits | $2,032,000 | 3,263 |
| Premises and equipment expense | $860,000 | 2,329 |
| Additional noninterest expense | $1,405,000 | 3,254 |
| Pre-tax net operating income | $868,000 | 6,560 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $267,000 | 6,412 |
| Income before extraordinary items | $601,000 | 6,609 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $601,000 | 6,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,175 |
| Cash dividends | $222,000 | 5,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $601,000 | 6,599 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,604,000 | 5,155 |
| Total interest expense | $1,752,000 | 6,202 |
| Net interest income | $3,852,000 | 4,535 |
| Provision for loan and lease losses | $568,000 | 1,404 |
| Total noninterest income | $1,484,000 | 2,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $967,000 | 1,387 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $517,000 | 2,893 |
| Total noninterest expense | $4,165,000 | 3,307 |
| Salaries and employee benefits | $2,106,000 | 3,127 |
| Premises and equipment expense | $792,000 | 2,548 |
| Additional noninterest expense | $1,267,000 | 3,868 |
| Pre-tax net operating income | $603,000 | 7,976 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $213,000 | 7,131 |
| Income before extraordinary items | $390,000 | 8,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $390,000 | 8,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $480,000 | 1,415 |
| Cash dividends | $221,000 | 5,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $390,000 | 8,329 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,435,000 | 5,389 |
| Total interest expense | $1,869,000 | 6,158 |
| Net interest income | $3,566,000 | 4,879 |
| Provision for loan and lease losses | $260,000 | 3,299 |
| Total noninterest income | $1,879,000 | 2,058 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,055,000 | 1,285 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $824,000 | 2,347 |
| Total noninterest expense | $4,151,000 | 3,372 |
| Salaries and employee benefits | $2,029,000 | 3,239 |
| Premises and equipment expense | $829,000 | 2,473 |
| Additional noninterest expense | $1,293,000 | 3,947 |
| Pre-tax net operating income | $1,034,000 | 5,759 |
| Securities gains (losses) | $-41,000 | 13,062 |
| Applicable income taxes | $253,000 | 6,745 |
| Income before extraordinary items | $740,000 | 5,885 |
| Extraordinary gains, net | $-160,000 | 13,017 |
| Net income | $580,000 | 7,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 4,185 |
| Cash dividends | $221,000 | 5,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $770,750 | 5,483 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,595,000 | 5,816 |
| Total interest expense | $2,255,000 | 6,495 |
| Net interest income | $3,340,000 | 5,221 |
| Provision for loan and lease losses | $203,000 | 5,164 |
| Total noninterest income | $1,630,000 | 2,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $928,000 | 1,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $702,000 | 2,539 |
| Total noninterest expense | $3,797,000 | 3,660 |
| Salaries and employee benefits | $1,760,000 | 3,634 |
| Premises and equipment expense | $787,000 | 2,642 |
| Additional noninterest expense | $1,250,000 | 4,192 |
| Pre-tax net operating income | $970,000 | 5,751 |
| Securities gains (losses) | $-11,000 | 13,323 |
| Applicable income taxes | $233,000 | 6,949 |
| Income before extraordinary items | $726,000 | 5,777 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $726,000 | 5,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 3,995 |
| Cash dividends | $241,000 | 4,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $734,360 | 5,383 |
* 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.