Home > The Community National Bank > Income and Expense
The Community National Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,718,000 | 5,208 |
| Total interest expense | $1,275,000 | 5,006 |
| Net interest income | $2,443,000 | 5,171 |
| Provision for loan and lease losses | $405,000 | 4,159 |
| Total noninterest income | $646,000 | 3,701 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $391,000 | 2,809 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $255,000 | 3,871 |
| Total noninterest expense | $3,337,000 | 4,032 |
| Salaries and employee benefits | $1,462,000 | 4,463 |
| Premises and equipment expense | $482,000 | 3,719 |
| Additional noninterest expense | $1,393,000 | 3,465 |
| Pre-tax net operating income | $-653,000 | 6,446 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-653,000 | 6,538 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-653,000 | 6,540 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-653,000 | 6,539 |
| Net charge-offs | $903,000 | 2,311 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-653,000 | 6,530 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,615,000 | 5,112 |
| Total interest expense | $908,000 | 4,971 |
| Net interest income | $1,707,000 | 5,036 |
| Provision for loan and lease losses | $300,000 | 3,683 |
| Total noninterest income | $476,000 | 3,513 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $259,000 | 2,787 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $217,000 | 3,526 |
| Total noninterest expense | $2,253,000 | 4,025 |
| Salaries and employee benefits | $978,000 | 4,501 |
| Premises and equipment expense | $367,000 | 3,411 |
| Additional noninterest expense | $908,000 | 3,525 |
| Pre-tax net operating income | $-370,000 | 6,509 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-370,000 | 6,618 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-370,000 | 6,619 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-370,000 | 6,619 |
| Net charge-offs | $631,000 | 2,084 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-370,000 | 6,605 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,350,000 | 5,040 |
| Total interest expense | $482,000 | 4,930 |
| Net interest income | $868,000 | 4,988 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $187,000 | 3,953 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $125,000 | 2,807 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $62,000 | 4,465 |
| Total noninterest expense | $1,080,000 | 4,074 |
| Salaries and employee benefits | $500,000 | 4,457 |
| Premises and equipment expense | $197,000 | 3,262 |
| Additional noninterest expense | $383,000 | 3,709 |
| Pre-tax net operating income | $-175,000 | 6,841 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-175,000 | 6,991 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-175,000 | 6,992 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-175,000 | 6,992 |
| Net charge-offs | $473,000 | 1,401 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-175,000 | 6,909 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,328,000 | 4,783 |
| Total interest expense | $3,019,000 | 4,238 |
| Net interest income | $3,309,000 | 5,131 |
| Provision for loan and lease losses | $1,300,000 | 2,331 |
| Total noninterest income | $2,181,000 | 2,006 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $608,000 | 2,627 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,573,000 | 1,540 |
| Total noninterest expense | $6,479,000 | 2,873 |
| Salaries and employee benefits | $2,810,000 | 3,434 |
| Premises and equipment expense | $827,000 | 3,098 |
| Additional noninterest expense | $2,842,000 | 2,107 |
| Pre-tax net operating income | $-2,289,000 | 7,445 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-41,000 | 6,940 |
| Income before extraordinary items | $-2,248,000 | 7,451 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,248,000 | 7,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,368,000 | 1,162 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,248,000 | 7,541 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,884,000 | 4,770 |
| Total interest expense | $2,354,000 | 4,250 |
| Net interest income | $2,530,000 | 5,119 |
| Provision for loan and lease losses | $1,150,000 | 1,688 |
| Total noninterest income | $2,007,000 | 1,769 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $459,000 | 2,626 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,548,000 | 1,341 |
| Total noninterest expense | $4,768,000 | 2,894 |
| Salaries and employee benefits | $2,301,000 | 3,215 |
| Premises and equipment expense | $640,000 | 3,029 |
| Additional noninterest expense | $1,827,000 | 2,336 |
| Pre-tax net operating income | $-1,381,000 | 7,700 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-50,000 | 7,450 |
| Income before extraordinary items | $-1,331,000 | 7,648 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,331,000 | 7,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,988,000 | 830 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,331,000 | 7,750 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 4,781 |
| Total interest expense | $1,636,000 | 4,265 |
| Net interest income | $1,689,000 | 5,127 |
| Provision for loan and lease losses | $950,000 | 1,258 |
| Total noninterest income | $1,801,000 | 1,433 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $307,000 | 2,595 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,494,000 | 1,060 |
| Total noninterest expense | $3,510,000 | 2,671 |
| Salaries and employee benefits | $1,831,000 | 2,769 |
| Premises and equipment expense | $449,000 | 2,914 |
| Additional noninterest expense | $1,230,000 | 2,286 |
| Pre-tax net operating income | $-970,000 | 7,892 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-50,000 | 7,759 |
| Income before extraordinary items | $-920,000 | 7,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-920,000 | 7,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,755,000 | 606 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-920,000 | 7,947 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,696,000 | 4,810 |
| Total interest expense | $861,000 | 4,306 |
| Net interest income | $835,000 | 5,178 |
| Provision for loan and lease losses | $250,000 | 1,575 |
| Total noninterest income | $982,000 | 1,351 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $156,000 | 2,535 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $826,000 | 981 |
| Total noninterest expense | $1,715,000 | 2,720 |
| Salaries and employee benefits | $902,000 | 2,821 |
| Premises and equipment expense | $233,000 | 2,821 |
| Additional noninterest expense | $580,000 | 2,385 |
| Pre-tax net operating income | $-148,000 | 7,664 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-51,000 | 8,032 |
| Income before extraordinary items | $-97,000 | 7,643 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-97,000 | 7,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $855,000 | 511 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-97,000 | 7,601 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,316,000 | 4,264 |
| Total interest expense | $4,398,000 | 3,775 |
| Net interest income | $3,918,000 | 4,688 |
| Provision for loan and lease losses | $4,911,000 | 408 |
| Total noninterest income | $3,290,000 | 1,536 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $811,000 | 2,115 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,479,000 | 1,165 |
| Total noninterest expense | $6,075,000 | 2,939 |
| Salaries and employee benefits | $3,543,000 | 2,774 |
| Premises and equipment expense | $952,000 | 2,676 |
| Additional noninterest expense | $1,580,000 | 3,270 |
| Pre-tax net operating income | $-3,778,000 | 8,412 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-1,335,000 | 8,432 |
| Income before extraordinary items | $-2,443,000 | 8,370 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,443,000 | 8,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,739,000 | 679 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-2,443,000 | 8,359 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,542,000 | 4,141 |
| Total interest expense | $3,360,000 | 3,737 |
| Net interest income | $3,182,000 | 4,489 |
| Provision for loan and lease losses | $790,000 | 1,101 |
| Total noninterest income | $2,148,000 | 1,708 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $622,000 | 2,044 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,526,000 | 1,360 |
| Total noninterest expense | $4,186,000 | 3,122 |
| Salaries and employee benefits | $2,466,000 | 2,963 |
| Premises and equipment expense | $652,000 | 2,864 |
| Additional noninterest expense | $1,068,000 | 3,517 |
| Pre-tax net operating income | $354,000 | 6,350 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $120,000 | 4,265 |
| Income before extraordinary items | $234,000 | 6,635 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $234,000 | 6,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-210,000 | 8,469 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $234,000 | 6,619 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,469,000 | 4,089 |
| Total interest expense | $2,289,000 | 3,693 |
| Net interest income | $2,180,000 | 4,435 |
| Provision for loan and lease losses | $140,000 | 2,749 |
| Total noninterest income | $1,449,000 | 1,709 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $413,000 | 2,057 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,036,000 | 1,364 |
| Total noninterest expense | $2,769,000 | 3,171 |
| Salaries and employee benefits | $1,655,000 | 2,984 |
| Premises and equipment expense | $422,000 | 2,965 |
| Additional noninterest expense | $692,000 | 3,593 |
| Pre-tax net operating income | $720,000 | 4,249 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $232,000 | 3,069 |
| Income before extraordinary items | $488,000 | 4,603 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $488,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,059 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $488,000 | 4,597 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,277,000 | 4,040 |
| Total interest expense | $1,177,000 | 3,584 |
| Net interest income | $1,100,000 | 4,417 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $652,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $196,000 | 2,086 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $456,000 | 1,456 |
| Total noninterest expense | $1,379,000 | 3,186 |
| Salaries and employee benefits | $843,000 | 2,942 |
| Premises and equipment expense | $212,000 | 2,968 |
| Additional noninterest expense | $324,000 | 3,739 |
| Pre-tax net operating income | $313,000 | 4,560 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $94,000 | 3,352 |
| Income before extraordinary items | $219,000 | 4,856 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $219,000 | 4,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,538 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $219,000 | 4,825 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,515,000 | 4,035 |
| Total interest expense | $3,811,000 | 3,711 |
| Net interest income | $4,704,000 | 4,207 |
| Provision for loan and lease losses | $1,813,000 | 605 |
| Total noninterest income | $2,225,000 | 2,063 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $782,000 | 2,155 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,443,000 | 1,719 |
| Total noninterest expense | $4,559,000 | 3,600 |
| Salaries and employee benefits | $2,510,000 | 3,599 |
| Premises and equipment expense | $770,000 | 3,102 |
| Additional noninterest expense | $1,279,000 | 3,748 |
| Pre-tax net operating income | $557,000 | 6,308 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $136,000 | 4,709 |
| Income before extraordinary items | $421,000 | 6,437 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $421,000 | 6,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,669,000 | 454 |
| Cash dividends | $793,000 | 2,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $421,000 | 6,440 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,314,000 | 4,032 |
| Total interest expense | $2,686,000 | 3,785 |
| Net interest income | $3,628,000 | 4,129 |
| Provision for loan and lease losses | $200,000 | 2,859 |
| Total noninterest income | $1,432,000 | 2,305 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $560,000 | 2,256 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $872,000 | 2,013 |
| Total noninterest expense | $3,482,000 | 3,547 |
| Salaries and employee benefits | $1,913,000 | 3,560 |
| Premises and equipment expense | $615,000 | 2,941 |
| Additional noninterest expense | $954,000 | 3,754 |
| Pre-tax net operating income | $1,378,000 | 3,979 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $454,000 | 2,993 |
| Income before extraordinary items | $924,000 | 4,351 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $924,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,744 |
| Cash dividends | $275,000 | 3,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $924,000 | 4,340 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,126,000 | 4,038 |
| Total interest expense | $1,681,000 | 3,833 |
| Net interest income | $2,445,000 | 4,102 |
| Provision for loan and lease losses | $140,000 | 2,761 |
| Total noninterest income | $864,000 | 2,466 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $347,000 | 2,365 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $517,000 | 2,171 |
| Total noninterest expense | $2,269,000 | 3,620 |
| Salaries and employee benefits | $1,222,000 | 3,694 |
| Premises and equipment expense | $410,000 | 2,940 |
| Additional noninterest expense | $637,000 | 3,744 |
| Pre-tax net operating income | $900,000 | 4,045 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $294,000 | 3,077 |
| Income before extraordinary items | $606,000 | 4,419 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $606,000 | 4,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,343 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $606,000 | 4,415 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,021,000 | 4,052 |
| Total interest expense | $799,000 | 3,823 |
| Net interest income | $1,222,000 | 4,110 |
| Provision for loan and lease losses | $80,000 | 2,332 |
| Total noninterest income | $427,000 | 2,448 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $151,000 | 2,587 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $276,000 | 2,050 |
| Total noninterest expense | $1,180,000 | 3,523 |
| Salaries and employee benefits | $648,000 | 3,551 |
| Premises and equipment expense | $206,000 | 2,949 |
| Additional noninterest expense | $326,000 | 3,647 |
| Pre-tax net operating income | $389,000 | 4,342 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $121,000 | 3,335 |
| Income before extraordinary items | $268,000 | 4,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $268,000 | 4,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 1,896 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $268,000 | 4,677 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,551,000 | 3,929 |
| Total interest expense | $2,421,000 | 3,907 |
| Net interest income | $5,130,000 | 3,883 |
| Provision for loan and lease losses | $250,000 | 3,152 |
| Total noninterest income | $1,071,000 | 3,391 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $596,000 | 2,671 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $475,000 | 3,462 |
| Total noninterest expense | $3,968,000 | 3,888 |
| Salaries and employee benefits | $2,002,000 | 4,119 |
| Premises and equipment expense | $749,000 | 3,070 |
| Additional noninterest expense | $1,217,000 | 3,835 |
| Pre-tax net operating income | $1,983,000 | 3,702 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $654,000 | 2,935 |
| Income before extraordinary items | $1,329,000 | 4,093 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,329,000 | 4,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,280 |
| Cash dividends | $349,000 | 4,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,329,000 | 4,063 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,504,000 | 3,956 |
| Total interest expense | $1,688,000 | 3,967 |
| Net interest income | $3,816,000 | 3,897 |
| Provision for loan and lease losses | $190,000 | 3,039 |
| Total noninterest income | $691,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $430,000 | 2,751 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $261,000 | 4,052 |
| Total noninterest expense | $2,957,000 | 3,872 |
| Salaries and employee benefits | $1,498,000 | 4,100 |
| Premises and equipment expense | $541,000 | 3,139 |
| Additional noninterest expense | $918,000 | 3,742 |
| Pre-tax net operating income | $1,360,000 | 4,004 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $444,000 | 3,144 |
| Income before extraordinary items | $916,000 | 4,411 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $916,000 | 4,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 1,928 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $916,000 | 4,372 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,594,000 | 3,965 |
| Total interest expense | $1,054,000 | 3,984 |
| Net interest income | $2,540,000 | 3,873 |
| Provision for loan and lease losses | $130,000 | 2,894 |
| Total noninterest income | $442,000 | 3,797 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $275,000 | 2,791 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $167,000 | 4,088 |
| Total noninterest expense | $1,974,000 | 3,849 |
| Salaries and employee benefits | $1,022,000 | 4,007 |
| Premises and equipment expense | $354,000 | 3,160 |
| Additional noninterest expense | $598,000 | 3,816 |
| Pre-tax net operating income | $878,000 | 4,056 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $288,000 | 3,179 |
| Income before extraordinary items | $590,000 | 4,461 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $590,000 | 4,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 1,780 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $590,000 | 4,410 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 3,961 |
| Total interest expense | $507,000 | 3,989 |
| Net interest income | $1,270,000 | 3,876 |
| Provision for loan and lease losses | $70,000 | 2,663 |
| Total noninterest income | $207,000 | 3,890 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $136,000 | 2,758 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,437 |
| Total noninterest expense | $1,017,000 | 3,798 |
| Salaries and employee benefits | $528,000 | 3,924 |
| Premises and equipment expense | $179,000 | 3,170 |
| Additional noninterest expense | $310,000 | 3,714 |
| Pre-tax net operating income | $390,000 | 4,339 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $128,000 | 3,377 |
| Income before extraordinary items | $262,000 | 4,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $262,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $262,000 | 4,693 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,040,000 | 3,791 |
| Total interest expense | $2,068,000 | 3,544 |
| Net interest income | $4,972,000 | 3,814 |
| Provision for loan and lease losses | $230,000 | 3,450 |
| Total noninterest income | $1,140,000 | 3,239 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $556,000 | 2,887 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $584,000 | 3,032 |
| Total noninterest expense | $3,968,000 | 3,768 |
| Salaries and employee benefits | $2,161,000 | 3,742 |
| Premises and equipment expense | $618,000 | 3,452 |
| Additional noninterest expense | $1,189,000 | 3,773 |
| Pre-tax net operating income | $1,914,000 | 3,600 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $638,000 | 2,926 |
| Income before extraordinary items | $1,276,000 | 4,043 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,276,000 | 4,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,429 |
| Cash dividends | $316,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,276,000 | 3,985 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,228,000 | 3,787 |
| Total interest expense | $1,535,000 | 3,542 |
| Net interest income | $3,693,000 | 3,840 |
| Provision for loan and lease losses | $180,000 | 3,152 |
| Total noninterest income | $863,000 | 3,238 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $412,000 | 2,942 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $451,000 | 2,981 |
| Total noninterest expense | $3,083,000 | 3,630 |
| Salaries and employee benefits | $1,741,000 | 3,523 |
| Premises and equipment expense | $476,000 | 3,392 |
| Additional noninterest expense | $866,000 | 3,847 |
| Pre-tax net operating income | $1,293,000 | 3,968 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $437,000 | 3,145 |
| Income before extraordinary items | $856,000 | 4,421 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $856,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 2,652 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $856,000 | 4,349 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,445,000 | 3,826 |
| Total interest expense | $934,000 | 3,809 |
| Net interest income | $2,511,000 | 3,770 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $549,000 | 3,363 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $264,000 | 3,007 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $285,000 | 3,079 |
| Total noninterest expense | $2,070,000 | 3,639 |
| Salaries and employee benefits | $1,196,000 | 3,455 |
| Premises and equipment expense | $306,000 | 3,498 |
| Additional noninterest expense | $568,000 | 3,908 |
| Pre-tax net operating income | $840,000 | 3,984 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $283,000 | 3,177 |
| Income before extraordinary items | $557,000 | 4,444 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $557,000 | 4,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,302 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $557,000 | 4,358 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,691,000 | 3,889 |
| Total interest expense | $451,000 | 3,973 |
| Net interest income | $1,240,000 | 3,796 |
| Provision for loan and lease losses | $70,000 | 2,755 |
| Total noninterest income | $266,000 | 3,377 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $129,000 | 2,993 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $137,000 | 3,091 |
| Total noninterest expense | $1,058,000 | 3,598 |
| Salaries and employee benefits | $612,000 | 3,399 |
| Premises and equipment expense | $153,000 | 3,536 |
| Additional noninterest expense | $293,000 | 3,808 |
| Pre-tax net operating income | $378,000 | 4,222 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $122,000 | 3,464 |
| Income before extraordinary items | $256,000 | 4,683 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $256,000 | 4,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,731 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $256,000 | 4,557 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,811,000 | 3,909 |
| Total interest expense | $1,979,000 | 4,057 |
| Net interest income | $4,832,000 | 3,770 |
| Provision for loan and lease losses | $311,000 | 3,083 |
| Total noninterest income | $1,044,000 | 3,626 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $548,000 | 2,885 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $496,000 | 3,597 |
| Total noninterest expense | $3,687,000 | 3,943 |
| Salaries and employee benefits | $2,048,000 | 3,847 |
| Premises and equipment expense | $549,000 | 3,786 |
| Additional noninterest expense | $1,090,000 | 4,002 |
| Pre-tax net operating income | $1,878,000 | 3,533 |
| Securities gains (losses) | $203,000 | 1,335 |
| Applicable income taxes | $697,000 | 2,807 |
| Income before extraordinary items | $1,384,000 | 3,762 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,384,000 | 3,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,664 |
| Cash dividends | $264,000 | 4,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,247,990 | 3,853 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,086,000 | 3,977 |
| Total interest expense | $1,510,000 | 4,118 |
| Net interest income | $3,576,000 | 3,843 |
| Provision for loan and lease losses | $190,000 | 3,426 |
| Total noninterest income | $781,000 | 3,701 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $414,000 | 2,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $367,000 | 3,692 |
| Total noninterest expense | $2,745,000 | 3,947 |
| Salaries and employee benefits | $1,527,000 | 3,852 |
| Premises and equipment expense | $439,000 | 3,598 |
| Additional noninterest expense | $779,000 | 4,140 |
| Pre-tax net operating income | $1,422,000 | 3,629 |
| Securities gains (losses) | $203,000 | 1,223 |
| Applicable income taxes | $550,000 | 2,846 |
| Income before extraordinary items | $1,075,000 | 3,811 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,075,000 | 3,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,780 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $941,020 | 3,965 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,371,000 | 4,033 |
| Total interest expense | $1,033,000 | 4,143 |
| Net interest income | $2,338,000 | 3,901 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $503,000 | 3,725 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $270,000 | 2,889 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $233,000 | 3,745 |
| Total noninterest expense | $1,813,000 | 3,978 |
| Salaries and employee benefits | $999,000 | 3,919 |
| Premises and equipment expense | $293,000 | 3,567 |
| Additional noninterest expense | $521,000 | 4,115 |
| Pre-tax net operating income | $908,000 | 3,741 |
| Securities gains (losses) | $203,000 | 1,035 |
| Applicable income taxes | $378,000 | 2,797 |
| Income before extraordinary items | $733,000 | 3,743 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $733,000 | 3,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 2,283 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $599,020 | 4,095 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,698,000 | 4,024 |
| Total interest expense | $523,000 | 4,196 |
| Net interest income | $1,175,000 | 3,891 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $223,000 | 3,902 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $125,000 | 2,989 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $98,000 | 3,968 |
| Total noninterest expense | $870,000 | 4,102 |
| Salaries and employee benefits | $496,000 | 3,926 |
| Premises and equipment expense | $142,000 | 3,648 |
| Additional noninterest expense | $232,000 | 4,473 |
| Pre-tax net operating income | $438,000 | 3,827 |
| Securities gains (losses) | $181,000 | 700 |
| Applicable income taxes | $210,000 | 2,601 |
| Income before extraordinary items | $409,000 | 3,404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $409,000 | 3,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $289,540 | 4,156 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,380,000 | 3,883 |
| Total interest expense | $2,851,000 | 3,673 |
| Net interest income | $4,529,000 | 3,967 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $677,000 | 4,417 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $478,000 | 3,095 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $199,000 | 5,044 |
| Total noninterest expense | $3,262,000 | 4,173 |
| Salaries and employee benefits | $1,844,000 | 3,997 |
| Premises and equipment expense | $396,000 | 4,690 |
| Additional noninterest expense | $1,022,000 | 4,107 |
| Pre-tax net operating income | $1,744,000 | 3,731 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $581,000 | 3,171 |
| Income before extraordinary items | $1,163,000 | 4,168 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,163,000 | 4,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 2,143 |
| Cash dividends | $236,000 | 4,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,163,000 | 4,067 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,961,000 | 4,042 |
| Total interest expense | $4,194,000 | 3,656 |
| Net interest income | $3,767,000 | 4,325 |
| Provision for loan and lease losses | $210,000 | 4,019 |
| Total noninterest income | $825,000 | 3,776 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $562,000 | 2,581 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $263,000 | 4,391 |
| Total noninterest expense | $2,940,000 | 4,406 |
| Salaries and employee benefits | $1,652,000 | 4,202 |
| Premises and equipment expense | $435,000 | 4,342 |
| Additional noninterest expense | $853,000 | 4,586 |
| Pre-tax net operating income | $1,442,000 | 3,958 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $472,000 | 3,423 |
| Income before extraordinary items | $970,000 | 4,359 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $970,000 | 4,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 3,316 |
| Cash dividends | $344,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $118,000 | 634 |
| Net operating income | $970,000 | 4,244 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,159,000 | 4,063 |
| Total interest expense | $4,333,000 | 3,739 |
| Net interest income | $3,826,000 | 4,325 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $786,000 | 3,696 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $473,000 | 2,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $313,000 | 3,827 |
| Total noninterest expense | $2,724,000 | 4,565 |
| Salaries and employee benefits | $1,543,000 | 4,263 |
| Premises and equipment expense | $345,000 | 4,979 |
| Additional noninterest expense | $836,000 | 4,594 |
| Pre-tax net operating income | $1,648,000 | 3,793 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $559,000 | 3,251 |
| Income before extraordinary items | $1,089,000 | 4,135 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,089,000 | 4,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,598 |
| Cash dividends | $215,000 | 5,017 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 673 |
| Net operating income | $1,089,000 | 4,135 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,495,000 | 4,156 |
| Total interest expense | $3,692,000 | 3,846 |
| Net interest income | $3,803,000 | 4,355 |
| Provision for loan and lease losses | $202,000 | 3,533 |
| Total noninterest income | $545,000 | 4,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $452,000 | 2,877 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,795 |
| Total noninterest expense | $2,505,000 | 4,884 |
| Salaries and employee benefits | $1,375,000 | 4,657 |
| Premises and equipment expense | $356,000 | 4,912 |
| Additional noninterest expense | $774,000 | 4,913 |
| Pre-tax net operating income | $1,641,000 | 3,859 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $559,000 | 3,381 |
| Income before extraordinary items | $1,082,000 | 4,196 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,082,000 | 4,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,426 |
| Cash dividends | $210,000 | 5,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,082,000 | 4,157 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,876,000 | 4,462 |
| Total interest expense | $3,639,000 | 3,987 |
| Net interest income | $3,237,000 | 4,880 |
| Provision for loan and lease losses | $153,000 | 4,102 |
| Total noninterest income | $395,000 | 5,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,294 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,566 |
| Total noninterest expense | $2,133,000 | 5,339 |
| Salaries and employee benefits | $1,129,000 | 5,306 |
| Premises and equipment expense | $279,000 | 5,599 |
| Additional noninterest expense | $725,000 | 5,028 |
| Pre-tax net operating income | $1,346,000 | 4,507 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $457,000 | 4,096 |
| Income before extraordinary items | $889,000 | 4,872 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $889,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,658 |
| Cash dividends | $176,000 | 5,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $889,000 | 4,769 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,930,000 | 5,118 |
| Total interest expense | $3,100,000 | 4,574 |
| Net interest income | $2,830,000 | 5,537 |
| Provision for loan and lease losses | $144,000 | 4,243 |
| Total noninterest income | $334,000 | 6,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 3,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,015 |
| Total noninterest expense | $1,682,000 | 6,343 |
| Salaries and employee benefits | $935,000 | 6,130 |
| Premises and equipment expense | $209,000 | 6,683 |
| Additional noninterest expense | $538,000 | 6,205 |
| Pre-tax net operating income | $1,338,000 | 4,868 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $455,000 | 4,491 |
| Income before extraordinary items | $883,000 | 5,113 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $883,000 | 5,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $173,000 | 5,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $883,000 | 5,066 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,891,000 | 6,040 |
| Total interest expense | $2,524,000 | 5,476 |
| Net interest income | $2,367,000 | 6,442 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $300,000 | 6,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 10,174 |
| Total noninterest expense | $1,466,000 | 7,206 |
| Salaries and employee benefits | $843,000 | 6,757 |
| Premises and equipment expense | $201,000 | 7,007 |
| Additional noninterest expense | $422,000 | 7,699 |
| Pre-tax net operating income | $1,081,000 | 5,480 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $367,000 | 5,162 |
| Income before extraordinary items | $714,000 | 5,700 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $714,000 | 5,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $714,000 | 5,645 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,237,000 | 6,761 |
| Total interest expense | $2,348,000 | 5,813 |
| Net interest income | $1,889,000 | 7,553 |
| Provision for loan and lease losses | $399,000 | 1,878 |
| Total noninterest income | $283,000 | 7,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,775 |
| Total noninterest expense | $1,330,000 | 7,794 |
| Salaries and employee benefits | $651,000 | 8,057 |
| Premises and equipment expense | $187,000 | 7,460 |
| Additional noninterest expense | $492,000 | 7,319 |
| Pre-tax net operating income | $443,000 | 8,788 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $142,000 | 8,417 |
| Income before extraordinary items | $301,000 | 8,928 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $301,000 | 8,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 1,619 |
| Cash dividends | $112,000 | 6,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $301,000 | 8,894 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,683,000 | 7,096 |
| Total interest expense | $1,780,000 | 6,124 |
| Net interest income | $1,903,000 | 7,796 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $266,000 | 7,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 5,174 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,111 |
| Total noninterest expense | $1,576,000 | 7,362 |
| Salaries and employee benefits | $657,000 | 8,225 |
| Premises and equipment expense | $178,000 | 7,891 |
| Additional noninterest expense | $741,000 | 6,047 |
| Pre-tax net operating income | $557,000 | 8,263 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $192,000 | 7,478 |
| Income before extraordinary items | $365,000 | 8,508 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $365,000 | 8,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,906 |
| Cash dividends | $49,000 | 8,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $365,000 | 8,548 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,500,000 | 7,534 |
| Total interest expense | $1,798,000 | 6,330 |
| Net interest income | $1,702,000 | 8,485 |
| Provision for loan and lease losses | $43,000 | 7,841 |
| Total noninterest income | $266,000 | 8,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,348 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $1,335,000 | 8,389 |
| Salaries and employee benefits | $653,000 | 8,367 |
| Premises and equipment expense | $207,000 | 7,543 |
| Additional noninterest expense | $475,000 | 8,475 |
| Pre-tax net operating income | $590,000 | 8,008 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $202,000 | 7,571 |
| Income before extraordinary items | $388,000 | 8,555 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $388,000 | 8,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $45,000 | 8,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $388,000 | 8,293 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,669,000 | 7,952 |
| Total interest expense | $1,891,000 | 7,379 |
| Net interest income | $1,778,000 | 8,408 |
| Provision for loan and lease losses | $42,000 | 9,403 |
| Total noninterest income | $251,000 | 8,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 5,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,632 |
| Total noninterest expense | $1,329,000 | 8,565 |
| Salaries and employee benefits | $710,000 | 7,913 |
| Premises and equipment expense | $197,000 | 7,902 |
| Additional noninterest expense | $422,000 | 9,304 |
| Pre-tax net operating income | $658,000 | 7,337 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $214,000 | 7,296 |
| Income before extraordinary items | $444,000 | 7,792 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $444,000 | 7,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 8,252 |
| Cash dividends | $41,000 | 7,938 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $444,000 | 7,439 |
* 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.