Home > The East Carolina Bank > Income and Expense
The East Carolina Bank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $7,907,000 | 786 |
| Total interest expense | $1,304,000 | 706 |
| Net interest income | $6,603,000 | 802 |
| Provision for loan and lease losses | $1,258,000 | 311 |
| Total noninterest income | $1,247,000 | 1,150 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $668,000 | 508 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $579,000 | 1,418 |
| Total noninterest expense | $9,289,000 | 568 |
| Salaries and employee benefits | $4,484,000 | 615 |
| Premises and equipment expense | $1,064,000 | 587 |
| Additional noninterest expense | $3,741,000 | 480 |
| Pre-tax net operating income | $-2,697,000 | 6,993 |
| Securities gains (losses) | $305,000 | 318 |
| Applicable income taxes | $-823,000 | 7,000 |
| Income before extraordinary items | $-1,569,000 | 6,970 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-1,569,000 | 6,971 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-1,569,000 | 6,971 |
| Net charge-offs | $1,514,000 | 326 |
| Cash dividends | $224,000 | 1,558 |
| Sale, conversion, retirement of capital stock, net | $271,000 | 132 |
| Net operating income | $-1,770,300 | 6,968 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $34,011,000 | 766 |
| Total interest expense | $6,937,000 | 611 |
| Net interest income | $27,074,000 | 796 |
| Provision for loan and lease losses | $3,401,000 | 696 |
| Total noninterest income | $5,785,000 | 1,034 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $2,690,000 | 539 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $3,095,000 | 1,131 |
| Total noninterest expense | $30,344,000 | 678 |
| Salaries and employee benefits | $15,715,000 | 669 |
| Premises and equipment expense | $4,499,000 | 539 |
| Additional noninterest expense | $10,130,000 | 700 |
| Pre-tax net operating income | $-886,000 | 6,636 |
| Securities gains (losses) | $5,277,000 | 86 |
| Applicable income taxes | $1,399,000 | 1,151 |
| Income before extraordinary items | $2,992,000 | 1,873 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,992,000 | 1,871 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,992,000 | 1,873 |
| Net charge-offs | $5,221,000 | 561 |
| Cash dividends | $897,000 | 2,102 |
| Sale, conversion, retirement of capital stock, net | $344,000 | 362 |
| Net operating income | $-596,360 | 6,565 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $25,812,000 | 770 |
| Total interest expense | $5,429,000 | 619 |
| Net interest income | $20,383,000 | 803 |
| Provision for loan and lease losses | $2,783,000 | 664 |
| Total noninterest income | $4,693,000 | 973 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,957,000 | 558 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,736,000 | 1,008 |
| Total noninterest expense | $22,262,000 | 685 |
| Salaries and employee benefits | $11,468,000 | 681 |
| Premises and equipment expense | $3,366,000 | 539 |
| Additional noninterest expense | $7,428,000 | 706 |
| Pre-tax net operating income | $31,000 | 6,200 |
| Securities gains (losses) | $3,544,000 | 105 |
| Applicable income taxes | $961,000 | 1,268 |
| Income before extraordinary items | $2,614,000 | 1,677 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,614,000 | 1,675 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,614,000 | 1,678 |
| Net charge-offs | $3,490,000 | 602 |
| Cash dividends | $673,000 | 1,727 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 527 |
| Net operating income | $26,880 | 6,209 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $17,021,000 | 793 |
| Total interest expense | $3,744,000 | 621 |
| Net interest income | $13,277,000 | 822 |
| Provision for loan and lease losses | $866,000 | 1,227 |
| Total noninterest income | $2,839,000 | 1,028 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $1,313,000 | 555 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,526,000 | 1,127 |
| Total noninterest expense | $14,470,000 | 698 |
| Salaries and employee benefits | $7,745,000 | 670 |
| Premises and equipment expense | $2,241,000 | 542 |
| Additional noninterest expense | $4,484,000 | 783 |
| Pre-tax net operating income | $780,000 | 3,329 |
| Securities gains (losses) | $324,000 | 805 |
| Applicable income taxes | $139,000 | 2,785 |
| Income before extraordinary items | $965,000 | 2,684 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $965,000 | 2,684 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $965,000 | 2,684 |
| Net charge-offs | $2,178,000 | 649 |
| Cash dividends | $449,000 | 1,724 |
| Sale, conversion, retirement of capital stock, net | $-16,000 | 7,181 |
| Net operating income | $683,120 | 3,201 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $8,543,000 | 798 |
| Total interest expense | $1,970,000 | 599 |
| Net interest income | $6,573,000 | 835 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $1,259,000 | 1,113 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $633,000 | 559 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $626,000 | 1,282 |
| Total noninterest expense | $7,528,000 | 673 |
| Salaries and employee benefits | $4,046,000 | 643 |
| Premises and equipment expense | $1,122,000 | 543 |
| Additional noninterest expense | $2,360,000 | 733 |
| Pre-tax net operating income | $304,000 | 3,816 |
| Securities gains (losses) | $45,000 | 1,276 |
| Applicable income taxes | $-28,000 | 7,060 |
| Income before extraordinary items | $377,000 | 3,194 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $377,000 | 3,198 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $377,000 | 3,198 |
| Net charge-offs | $707,000 | 862 |
| Cash dividends | $224,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 805 |
| Net operating income | $332,000 | 3,272 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $37,179,000 | 762 |
| Total interest expense | $10,089,000 | 564 |
| Net interest income | $27,090,000 | 805 |
| Provision for loan and lease losses | $8,483,000 | 486 |
| Total noninterest income | $5,029,000 | 1,041 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $2,542,000 | 577 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,487,000 | 1,180 |
| Total noninterest expense | $28,835,000 | 690 |
| Salaries and employee benefits | $13,773,000 | 713 |
| Premises and equipment expense | $4,020,000 | 621 |
| Additional noninterest expense | $11,042,000 | 655 |
| Pre-tax net operating income | $-5,199,000 | 7,070 |
| Securities gains (losses) | $2,631,000 | 188 |
| Applicable income taxes | $-1,544,000 | 7,225 |
| Income before extraordinary items | $-1,024,000 | 6,646 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,024,000 | 6,647 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,024,000 | 6,646 |
| Net charge-offs | $9,638,000 | 474 |
| Cash dividends | $1,439,000 | 1,283 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 941 |
| Net operating income | $-2,707,840 | 6,901 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $28,343,000 | 763 |
| Total interest expense | $7,823,000 | 566 |
| Net interest income | $20,520,000 | 803 |
| Provision for loan and lease losses | $6,231,000 | 517 |
| Total noninterest income | $4,103,000 | 969 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,917,000 | 580 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,186,000 | 1,060 |
| Total noninterest expense | $19,971,000 | 730 |
| Salaries and employee benefits | $10,294,000 | 719 |
| Premises and equipment expense | $3,155,000 | 609 |
| Additional noninterest expense | $6,522,000 | 819 |
| Pre-tax net operating income | $-1,579,000 | 6,935 |
| Securities gains (losses) | $1,882,000 | 196 |
| Applicable income taxes | $-285,000 | 7,135 |
| Income before extraordinary items | $588,000 | 4,067 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $588,000 | 4,068 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $588,000 | 4,069 |
| Net charge-offs | $7,264,000 | 459 |
| Cash dividends | $1,072,000 | 1,094 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 887 |
| Net operating income | $-1,294,000 | 6,902 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $19,070,000 | 757 |
| Total interest expense | $5,257,000 | 590 |
| Net interest income | $13,813,000 | 796 |
| Provision for loan and lease losses | $5,203,000 | 417 |
| Total noninterest income | $3,098,000 | 900 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,272,000 | 583 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,826,000 | 891 |
| Total noninterest expense | $12,913,000 | 773 |
| Salaries and employee benefits | $7,125,000 | 696 |
| Premises and equipment expense | $2,055,000 | 619 |
| Additional noninterest expense | $3,733,000 | 972 |
| Pre-tax net operating income | $-1,205,000 | 7,032 |
| Securities gains (losses) | $884,000 | 227 |
| Applicable income taxes | $-382,000 | 7,300 |
| Income before extraordinary items | $61,000 | 5,939 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $61,000 | 5,938 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $61,000 | 5,939 |
| Net charge-offs | $3,002,000 | 689 |
| Cash dividends | $648,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 831 |
| Net operating income | $-504,760 | 6,837 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $9,463,000 | 772 |
| Total interest expense | $2,670,000 | 601 |
| Net interest income | $6,793,000 | 817 |
| Provision for loan and lease losses | $3,930,000 | 301 |
| Total noninterest income | $1,430,000 | 944 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $615,000 | 586 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $815,000 | 950 |
| Total noninterest expense | $6,294,000 | 796 |
| Salaries and employee benefits | $3,412,000 | 730 |
| Premises and equipment expense | $1,031,000 | 639 |
| Additional noninterest expense | $1,851,000 | 964 |
| Pre-tax net operating income | $-2,001,000 | 7,393 |
| Securities gains (losses) | $26,000 | 999 |
| Applicable income taxes | $-891,000 | 7,512 |
| Income before extraordinary items | $-1,084,000 | 7,307 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,084,000 | 7,307 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,084,000 | 7,308 |
| Net charge-offs | $1,958,000 | 550 |
| Cash dividends | $424,000 | 854 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 762 |
| Net operating income | $-1,100,640 | 7,312 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $39,916,000 | 764 |
| Total interest expense | $11,887,000 | 672 |
| Net interest income | $28,029,000 | 790 |
| Provision for loan and lease losses | $12,980,000 | 533 |
| Total noninterest income | $5,486,000 | 1,014 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,826,000 | 533 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,660,000 | 1,144 |
| Total noninterest expense | $25,949,000 | 771 |
| Salaries and employee benefits | $12,802,000 | 757 |
| Premises and equipment expense | $4,036,000 | 633 |
| Additional noninterest expense | $9,111,000 | 815 |
| Pre-tax net operating income | $-5,414,000 | 7,139 |
| Securities gains (losses) | $5,508,000 | 102 |
| Applicable income taxes | $-766,000 | 7,263 |
| Income before extraordinary items | $860,000 | 3,501 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $860,000 | 3,498 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $860,000 | 3,501 |
| Net charge-offs | $9,458,000 | 632 |
| Cash dividends | $1,695,000 | 956 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 1,009 |
| Net operating income | $-4,648,000 | 7,128 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $30,063,000 | 768 |
| Total interest expense | $8,962,000 | 689 |
| Net interest income | $21,101,000 | 784 |
| Provision for loan and lease losses | $8,643,000 | 564 |
| Total noninterest income | $4,402,000 | 929 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $2,558,000 | 450 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,844,000 | 1,174 |
| Total noninterest expense | $18,168,000 | 815 |
| Salaries and employee benefits | $9,375,000 | 774 |
| Premises and equipment expense | $2,926,000 | 661 |
| Additional noninterest expense | $5,867,000 | 905 |
| Pre-tax net operating income | $-1,308,000 | 6,885 |
| Securities gains (losses) | $3,471,000 | 121 |
| Applicable income taxes | $179,000 | 2,667 |
| Income before extraordinary items | $1,984,000 | 1,668 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,984,000 | 1,672 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,984,000 | 1,672 |
| Net charge-offs | $5,181,000 | 763 |
| Cash dividends | $1,272,000 | 856 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 943 |
| Net operating income | $-1,209,320 | 6,922 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $20,033,000 | 773 |
| Total interest expense | $5,957,000 | 718 |
| Net interest income | $14,076,000 | 783 |
| Provision for loan and lease losses | $4,780,000 | 652 |
| Total noninterest income | $2,763,000 | 956 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,716,000 | 443 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,047,000 | 1,248 |
| Total noninterest expense | $11,872,000 | 835 |
| Salaries and employee benefits | $6,087,000 | 798 |
| Premises and equipment expense | $1,857,000 | 707 |
| Additional noninterest expense | $3,928,000 | 900 |
| Pre-tax net operating income | $187,000 | 5,005 |
| Securities gains (losses) | $1,441,000 | 182 |
| Applicable income taxes | $184,000 | 2,213 |
| Income before extraordinary items | $1,444,000 | 1,522 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,444,000 | 1,523 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,444,000 | 1,523 |
| Net charge-offs | $4,043,000 | 658 |
| Cash dividends | $847,000 | 851 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 871 |
| Net operating income | $161,510 | 5,002 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $10,046,000 | 783 |
| Total interest expense | $3,025,000 | 749 |
| Net interest income | $7,021,000 | 785 |
| Provision for loan and lease losses | $3,000,000 | 548 |
| Total noninterest income | $1,045,000 | 1,187 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $823,000 | 465 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $222,000 | 2,244 |
| Total noninterest expense | $5,930,000 | 839 |
| Salaries and employee benefits | $3,049,000 | 806 |
| Premises and equipment expense | $924,000 | 733 |
| Additional noninterest expense | $1,957,000 | 904 |
| Pre-tax net operating income | $-864,000 | 7,367 |
| Securities gains (losses) | $1,289,000 | 117 |
| Applicable income taxes | $-62,000 | 7,368 |
| Income before extraordinary items | $487,000 | 2,193 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $487,000 | 2,192 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $487,000 | 2,193 |
| Net charge-offs | $1,396,000 | 828 |
| Cash dividends | $424,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 794 |
| Net operating income | $-802,000 | 7,397 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $41,025,000 | 813 |
| Total interest expense | $14,157,000 | 823 |
| Net interest income | $26,868,000 | 804 |
| Provision for loan and lease losses | $11,100,000 | 793 |
| Total noninterest income | $4,898,000 | 1,122 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,651,000 | 452 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,247,000 | 1,870 |
| Total noninterest expense | $22,086,000 | 953 |
| Salaries and employee benefits | $11,552,000 | 849 |
| Premises and equipment expense | $3,595,000 | 749 |
| Additional noninterest expense | $6,939,000 | 1,121 |
| Pre-tax net operating income | $-1,420,000 | 6,420 |
| Securities gains (losses) | $2,565,000 | 218 |
| Applicable income taxes | $-357,000 | 6,921 |
| Income before extraordinary items | $1,502,000 | 2,116 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,502,000 | 2,114 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,502,000 | 2,116 |
| Net charge-offs | $7,306,000 | 862 |
| Cash dividends | $2,823,000 | 625 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 936 |
| Net operating income | $-1,063,000 | 6,394 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $30,955,000 | 824 |
| Total interest expense | $11,124,000 | 829 |
| Net interest income | $19,831,000 | 825 |
| Provision for loan and lease losses | $5,425,000 | 986 |
| Total noninterest income | $3,516,000 | 1,170 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,724,000 | 455 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $792,000 | 2,140 |
| Total noninterest expense | $16,059,000 | 967 |
| Salaries and employee benefits | $8,004,000 | 938 |
| Premises and equipment expense | $2,687,000 | 763 |
| Additional noninterest expense | $5,368,000 | 1,052 |
| Pre-tax net operating income | $1,863,000 | 1,735 |
| Securities gains (losses) | $1,032,000 | 370 |
| Applicable income taxes | $496,000 | 1,412 |
| Income before extraordinary items | $2,399,000 | 1,132 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,399,000 | 1,130 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,399,000 | 1,132 |
| Net charge-offs | $3,556,000 | 1,061 |
| Cash dividends | $2,079,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 833 |
| Net operating income | $1,542,440 | 1,688 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $20,598,000 | 846 |
| Total interest expense | $7,880,000 | 824 |
| Net interest income | $12,718,000 | 859 |
| Provision for loan and lease losses | $2,750,000 | 1,148 |
| Total noninterest income | $3,060,000 | 949 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,792,000 | 462 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,268,000 | 1,217 |
| Total noninterest expense | $10,913,000 | 982 |
| Salaries and employee benefits | $5,527,000 | 914 |
| Premises and equipment expense | $1,748,000 | 800 |
| Additional noninterest expense | $3,638,000 | 1,050 |
| Pre-tax net operating income | $2,115,000 | 1,065 |
| Securities gains (losses) | $588,000 | 438 |
| Applicable income taxes | $650,000 | 874 |
| Income before extraordinary items | $2,053,000 | 924 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,053,000 | 924 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,053,000 | 924 |
| Net charge-offs | $2,894,000 | 882 |
| Cash dividends | $1,334,000 | 694 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 860 |
| Net operating income | $1,606,120 | 1,139 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $10,257,000 | 856 |
| Total interest expense | $4,217,000 | 794 |
| Net interest income | $6,040,000 | 891 |
| Provision for loan and lease losses | $750,000 | 1,392 |
| Total noninterest income | $1,485,000 | 943 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $876,000 | 465 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $609,000 | 1,223 |
| Total noninterest expense | $5,427,000 | 942 |
| Salaries and employee benefits | $2,820,000 | 906 |
| Premises and equipment expense | $868,000 | 816 |
| Additional noninterest expense | $1,739,000 | 969 |
| Pre-tax net operating income | $1,348,000 | 941 |
| Securities gains (losses) | $405,000 | 409 |
| Applicable income taxes | $500,000 | 672 |
| Income before extraordinary items | $1,253,000 | 840 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,253,000 | 841 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,253,000 | 842 |
| Net charge-offs | $1,853,000 | 630 |
| Cash dividends | $591,000 | 742 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 654 |
| Net operating income | $965,450 | 1,045 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $39,098,000 | 954 |
| Total interest expense | $18,825,000 | 845 |
| Net interest income | $20,273,000 | 1,064 |
| Provision for loan and lease losses | $2,450,000 | 1,583 |
| Total noninterest income | $6,396,000 | 866 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,259,000 | 531 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,137,000 | 930 |
| Total noninterest expense | $20,438,000 | 975 |
| Salaries and employee benefits | $11,113,000 | 906 |
| Premises and equipment expense | $3,495,000 | 793 |
| Additional noninterest expense | $5,830,000 | 1,102 |
| Pre-tax net operating income | $3,781,000 | 1,450 |
| Securities gains (losses) | $218,000 | 680 |
| Applicable income taxes | $580,000 | 1,701 |
| Income before extraordinary items | $3,419,000 | 1,216 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,419,000 | 1,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $602,000 | 2,544 |
| Cash dividends | $2,104,000 | 1,280 |
| Sale, conversion, retirement of capital stock, net | $-1,547,000 | 8,287 |
| Net operating income | $3,233,700 | 1,359 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $29,546,000 | 971 |
| Total interest expense | $13,769,000 | 906 |
| Net interest income | $15,777,000 | 1,047 |
| Provision for loan and lease losses | $1,340,000 | 1,539 |
| Total noninterest income | $5,142,000 | 851 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,427,000 | 540 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,715,000 | 879 |
| Total noninterest expense | $15,765,000 | 939 |
| Salaries and employee benefits | $8,625,000 | 892 |
| Premises and equipment expense | $2,658,000 | 789 |
| Additional noninterest expense | $4,482,000 | 1,026 |
| Pre-tax net operating income | $3,814,000 | 1,298 |
| Securities gains (losses) | $212,000 | 593 |
| Applicable income taxes | $869,000 | 1,290 |
| Income before extraordinary items | $3,157,000 | 1,165 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,157,000 | 1,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 2,389 |
| Cash dividends | $1,585,000 | 1,255 |
| Sale, conversion, retirement of capital stock, net | $-730,000 | 8,364 |
| Net operating income | $2,991,640 | 1,317 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $19,582,000 | 1,001 |
| Total interest expense | $9,195,000 | 930 |
| Net interest income | $10,387,000 | 1,051 |
| Provision for loan and lease losses | $900,000 | 1,302 |
| Total noninterest income | $3,561,000 | 833 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,635,000 | 520 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,926,000 | 866 |
| Total noninterest expense | $10,365,000 | 954 |
| Salaries and employee benefits | $5,698,000 | 902 |
| Premises and equipment expense | $1,747,000 | 792 |
| Additional noninterest expense | $2,920,000 | 1,025 |
| Pre-tax net operating income | $2,683,000 | 1,299 |
| Securities gains (losses) | $94,000 | 1,021 |
| Applicable income taxes | $629,000 | 1,345 |
| Income before extraordinary items | $2,148,000 | 1,282 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,148,000 | 1,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,014 |
| Cash dividends | $1,059,000 | 1,334 |
| Sale, conversion, retirement of capital stock, net | $-766,000 | 8,435 |
| Net operating income | $2,075,620 | 1,298 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,734,000 | 1,037 |
| Total interest expense | $4,714,000 | 983 |
| Net interest income | $5,020,000 | 1,085 |
| Provision for loan and lease losses | $330,000 | 1,289 |
| Total noninterest income | $1,873,000 | 793 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $796,000 | 529 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,077,000 | 810 |
| Total noninterest expense | $5,257,000 | 923 |
| Salaries and employee benefits | $2,868,000 | 903 |
| Premises and equipment expense | $874,000 | 797 |
| Additional noninterest expense | $1,515,000 | 957 |
| Pre-tax net operating income | $1,306,000 | 1,434 |
| Securities gains (losses) | $75,000 | 869 |
| Applicable income taxes | $335,000 | 1,363 |
| Income before extraordinary items | $1,046,000 | 1,432 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,046,000 | 1,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,854 |
| Cash dividends | $531,000 | 1,290 |
| Sale, conversion, retirement of capital stock, net | $-215,000 | 8,464 |
| Net operating income | $989,000 | 1,451 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $39,984,000 | 1,051 |
| Total interest expense | $19,393,000 | 1,010 |
| Net interest income | $20,591,000 | 1,076 |
| Provision for loan and lease losses | $-99,000 | 8,370 |
| Total noninterest income | $6,410,000 | 892 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,028,000 | 576 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,382,000 | 926 |
| Total noninterest expense | $20,407,000 | 915 |
| Salaries and employee benefits | $10,934,000 | 906 |
| Premises and equipment expense | $3,673,000 | 725 |
| Additional noninterest expense | $5,800,000 | 973 |
| Pre-tax net operating income | $6,693,000 | 1,264 |
| Securities gains (losses) | $-161,000 | 8,231 |
| Applicable income taxes | $1,677,000 | 1,300 |
| Income before extraordinary items | $4,855,000 | 1,316 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,855,000 | 1,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $543,000 | 1,597 |
| Cash dividends | $2,490,000 | 1,388 |
| Sale, conversion, retirement of capital stock, net | $173,000 | 796 |
| Net operating income | $4,974,140 | 1,277 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $29,897,000 | 1,062 |
| Total interest expense | $14,615,000 | 1,006 |
| Net interest income | $15,282,000 | 1,091 |
| Provision for loan and lease losses | $-99,000 | 8,417 |
| Total noninterest income | $4,774,000 | 899 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,270,000 | 568 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,504,000 | 939 |
| Total noninterest expense | $15,418,000 | 893 |
| Salaries and employee benefits | $8,369,000 | 887 |
| Premises and equipment expense | $2,803,000 | 712 |
| Additional noninterest expense | $4,246,000 | 971 |
| Pre-tax net operating income | $4,737,000 | 1,431 |
| Securities gains (losses) | $4,000 | 1,247 |
| Applicable income taxes | $1,155,000 | 1,486 |
| Income before extraordinary items | $3,586,000 | 1,426 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,586,000 | 1,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,615 |
| Cash dividends | $1,979,000 | 1,244 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 658 |
| Net operating income | $3,582,960 | 1,415 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $19,687,000 | 1,090 |
| Total interest expense | $9,725,000 | 1,016 |
| Net interest income | $9,962,000 | 1,137 |
| Provision for loan and lease losses | $-99,000 | 8,471 |
| Total noninterest income | $3,266,000 | 908 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,534,000 | 573 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,732,000 | 953 |
| Total noninterest expense | $10,202,000 | 917 |
| Salaries and employee benefits | $5,439,000 | 933 |
| Premises and equipment expense | $1,910,000 | 716 |
| Additional noninterest expense | $2,853,000 | 974 |
| Pre-tax net operating income | $3,125,000 | 1,478 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $874,000 | 1,409 |
| Income before extraordinary items | $2,251,000 | 1,555 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,251,000 | 1,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,609 |
| Cash dividends | $1,468,000 | 1,148 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 609 |
| Net operating income | $2,251,000 | 1,536 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,815,000 | 1,087 |
| Total interest expense | $4,844,000 | 1,017 |
| Net interest income | $4,971,000 | 1,127 |
| Provision for loan and lease losses | $390,000 | 638 |
| Total noninterest income | $1,681,000 | 865 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $770,000 | 539 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $911,000 | 903 |
| Total noninterest expense | $4,960,000 | 946 |
| Salaries and employee benefits | $2,650,000 | 962 |
| Premises and equipment expense | $931,000 | 735 |
| Additional noninterest expense | $1,379,000 | 996 |
| Pre-tax net operating income | $1,302,000 | 1,755 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $331,000 | 1,737 |
| Income before extraordinary items | $971,000 | 1,761 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $971,000 | 1,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,972 |
| Cash dividends | $732,000 | 1,052 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 492 |
| Net operating income | $971,000 | 1,750 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $36,587,000 | 1,080 |
| Total interest expense | $15,346,000 | 1,092 |
| Net interest income | $21,241,000 | 1,044 |
| Provision for loan and lease losses | $351,000 | 2,517 |
| Total noninterest income | $6,079,000 | 935 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,027,000 | 566 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,052,000 | 981 |
| Total noninterest expense | $18,433,000 | 974 |
| Salaries and employee benefits | $10,262,000 | 937 |
| Premises and equipment expense | $3,348,000 | 752 |
| Additional noninterest expense | $4,823,000 | 1,114 |
| Pre-tax net operating income | $8,536,000 | 1,163 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,410,000 | 1,141 |
| Income before extraordinary items | $6,126,000 | 1,205 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,126,000 | 1,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,465 |
| Cash dividends | $2,838,000 | 1,182 |
| Sale, conversion, retirement of capital stock, net | $242,000 | 725 |
| Net operating income | $6,126,000 | 1,189 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $26,593,000 | 1,115 |
| Total interest expense | $10,790,000 | 1,135 |
| Net interest income | $15,803,000 | 1,072 |
| Provision for loan and lease losses | $450,000 | 1,514 |
| Total noninterest income | $4,591,000 | 941 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,269,000 | 570 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,322,000 | 992 |
| Total noninterest expense | $13,473,000 | 1,007 |
| Salaries and employee benefits | $7,533,000 | 973 |
| Premises and equipment expense | $2,509,000 | 774 |
| Additional noninterest expense | $3,431,000 | 1,177 |
| Pre-tax net operating income | $6,471,000 | 1,184 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,994,000 | 1,101 |
| Income before extraordinary items | $4,477,000 | 1,265 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,477,000 | 1,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $2,122,000 | 1,101 |
| Sale, conversion, retirement of capital stock, net | $134,000 | 661 |
| Net operating income | $4,477,000 | 1,250 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,226,000 | 1,125 |
| Total interest expense | $6,855,000 | 1,131 |
| Net interest income | $10,371,000 | 1,088 |
| Provision for loan and lease losses | $400,000 | 1,166 |
| Total noninterest income | $2,842,000 | 989 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,613,000 | 528 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,229,000 | 1,170 |
| Total noninterest expense | $8,889,000 | 1,017 |
| Salaries and employee benefits | $4,952,000 | 991 |
| Premises and equipment expense | $1,678,000 | 771 |
| Additional noninterest expense | $2,259,000 | 1,202 |
| Pre-tax net operating income | $3,924,000 | 1,286 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,172,000 | 1,225 |
| Income before extraordinary items | $2,752,000 | 1,363 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,752,000 | 1,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,463 |
| Cash dividends | $1,401,000 | 1,101 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 554 |
| Net operating income | $2,752,000 | 1,354 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,297,000 | 1,139 |
| Total interest expense | $3,228,000 | 1,136 |
| Net interest income | $5,069,000 | 1,111 |
| Provision for loan and lease losses | $200,000 | 1,130 |
| Total noninterest income | $1,304,000 | 1,042 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $794,000 | 514 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $510,000 | 1,325 |
| Total noninterest expense | $4,391,000 | 1,028 |
| Salaries and employee benefits | $2,432,000 | 1,010 |
| Premises and equipment expense | $812,000 | 793 |
| Additional noninterest expense | $1,147,000 | 1,161 |
| Pre-tax net operating income | $1,782,000 | 1,377 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $482,000 | 1,440 |
| Income before extraordinary items | $1,300,000 | 1,410 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,300,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $693,000 | 1,041 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 413 |
| Net operating income | $1,300,000 | 1,388 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,603,000 | 1,159 |
| Total interest expense | $8,960,000 | 1,270 |
| Net interest income | $19,643,000 | 1,104 |
| Provision for loan and lease losses | $757,000 | 1,327 |
| Total noninterest income | $6,111,000 | 928 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,323,000 | 512 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,788,000 | 1,072 |
| Total noninterest expense | $17,457,000 | 971 |
| Salaries and employee benefits | $9,274,000 | 987 |
| Premises and equipment expense | $3,260,000 | 739 |
| Additional noninterest expense | $4,923,000 | 1,049 |
| Pre-tax net operating income | $7,540,000 | 1,260 |
| Securities gains (losses) | $107,000 | 680 |
| Applicable income taxes | $2,102,000 | 1,305 |
| Income before extraordinary items | $5,545,000 | 1,291 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,545,000 | 1,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 1,870 |
| Cash dividends | $1,987,000 | 1,492 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 716 |
| Net operating income | $5,466,890 | 1,287 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,614,000 | 1,175 |
| Total interest expense | $6,148,000 | 1,301 |
| Net interest income | $14,466,000 | 1,113 |
| Provision for loan and lease losses | $340,000 | 1,992 |
| Total noninterest income | $4,268,000 | 990 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,471,000 | 516 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,797,000 | 1,192 |
| Total noninterest expense | $12,883,000 | 977 |
| Salaries and employee benefits | $6,937,000 | 986 |
| Premises and equipment expense | $2,360,000 | 763 |
| Additional noninterest expense | $3,586,000 | 1,055 |
| Pre-tax net operating income | $5,511,000 | 1,304 |
| Securities gains (losses) | $90,000 | 689 |
| Applicable income taxes | $1,515,000 | 1,374 |
| Income before extraordinary items | $4,086,000 | 1,329 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,086,000 | 1,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 3,450 |
| Cash dividends | $1,474,000 | 1,377 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 590 |
| Net operating income | $4,020,300 | 1,319 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,081,000 | 1,198 |
| Total interest expense | $3,761,000 | 1,338 |
| Net interest income | $9,320,000 | 1,134 |
| Provision for loan and lease losses | $190,000 | 2,233 |
| Total noninterest income | $2,731,000 | 1,011 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,634,000 | 509 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,097,000 | 1,248 |
| Total noninterest expense | $8,529,000 | 982 |
| Salaries and employee benefits | $4,562,000 | 992 |
| Premises and equipment expense | $1,549,000 | 771 |
| Additional noninterest expense | $2,418,000 | 1,039 |
| Pre-tax net operating income | $3,332,000 | 1,402 |
| Securities gains (losses) | $90,000 | 607 |
| Applicable income taxes | $883,000 | 1,502 |
| Income before extraordinary items | $2,539,000 | 1,374 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,539,000 | 1,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $969,000 | 1,365 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 503 |
| Net operating income | $2,472,400 | 1,389 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,240,000 | 1,228 |
| Total interest expense | $1,714,000 | 1,401 |
| Net interest income | $4,526,000 | 1,160 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $1,205,000 | 1,081 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $795,000 | 505 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $410,000 | 1,526 |
| Total noninterest expense | $4,163,000 | 999 |
| Salaries and employee benefits | $2,210,000 | 1,012 |
| Premises and equipment expense | $786,000 | 765 |
| Additional noninterest expense | $1,167,000 | 1,061 |
| Pre-tax net operating income | $1,468,000 | 1,545 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $364,000 | 1,722 |
| Income before extraordinary items | $1,104,000 | 1,527 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,104,000 | 1,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $476,000 | 1,302 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 374 |
| Net operating income | $1,104,000 | 1,505 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $22,742,000 | 1,242 |
| Total interest expense | $5,422,000 | 1,517 |
| Net interest income | $17,320,000 | 1,164 |
| Provision for loan and lease losses | $804,000 | 1,276 |
| Total noninterest income | $5,866,000 | 939 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,387,000 | 516 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,479,000 | 1,135 |
| Total noninterest expense | $16,877,000 | 964 |
| Salaries and employee benefits | $8,000,000 | 1,079 |
| Premises and equipment expense | $2,997,000 | 759 |
| Additional noninterest expense | $5,880,000 | 851 |
| Pre-tax net operating income | $5,505,000 | 1,548 |
| Securities gains (losses) | $308,000 | 628 |
| Applicable income taxes | $2,025,000 | 1,261 |
| Income before extraordinary items | $3,788,000 | 1,698 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,788,000 | 1,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,542 |
| Cash dividends | $1,915,000 | 1,422 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 661 |
| Net operating income | $3,587,800 | 1,725 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,558,000 | 1,260 |
| Total interest expense | $3,843,000 | 1,578 |
| Net interest income | $12,715,000 | 1,175 |
| Provision for loan and lease losses | $575,000 | 1,277 |
| Total noninterest income | $4,422,000 | 942 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,548,000 | 521 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,874,000 | 1,134 |
| Total noninterest expense | $11,701,000 | 1,033 |
| Salaries and employee benefits | $6,184,000 | 1,040 |
| Premises and equipment expense | $2,257,000 | 758 |
| Additional noninterest expense | $3,260,000 | 1,122 |
| Pre-tax net operating income | $4,861,000 | 1,339 |
| Securities gains (losses) | $296,000 | 603 |
| Applicable income taxes | $1,425,000 | 1,343 |
| Income before extraordinary items | $3,732,000 | 1,324 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,732,000 | 1,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $1,487,000 | 1,282 |
| Sale, conversion, retirement of capital stock, net | $74,000 | 550 |
| Net operating income | $3,518,880 | 1,348 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,704,000 | 1,285 |
| Total interest expense | $2,448,000 | 1,625 |
| Net interest income | $8,256,000 | 1,196 |
| Provision for loan and lease losses | $400,000 | 1,225 |
| Total noninterest income | $3,003,000 | 930 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,700,000 | 521 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,303,000 | 1,109 |
| Total noninterest expense | $7,792,000 | 1,026 |
| Salaries and employee benefits | $4,076,000 | 1,052 |
| Premises and equipment expense | $1,524,000 | 749 |
| Additional noninterest expense | $2,192,000 | 1,119 |
| Pre-tax net operating income | $3,067,000 | 1,388 |
| Securities gains (losses) | $292,000 | 499 |
| Applicable income taxes | $925,000 | 1,365 |
| Income before extraordinary items | $2,434,000 | 1,331 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,434,000 | 1,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $1,068,000 | 1,190 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 474 |
| Net operating income | $2,223,760 | 1,399 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,197,000 | 1,340 |
| Total interest expense | $1,171,000 | 1,720 |
| Net interest income | $4,026,000 | 1,235 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $1,462,000 | 932 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $792,000 | 541 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $670,000 | 1,043 |
| Total noninterest expense | $3,882,000 | 1,043 |
| Salaries and employee benefits | $1,985,000 | 1,090 |
| Premises and equipment expense | $782,000 | 754 |
| Additional noninterest expense | $1,115,000 | 1,100 |
| Pre-tax net operating income | $1,456,000 | 1,423 |
| Securities gains (losses) | $37,000 | 1,369 |
| Applicable income taxes | $400,000 | 1,549 |
| Income before extraordinary items | $1,093,000 | 1,469 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,093,000 | 1,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,954 |
| Cash dividends | $583,000 | 1,061 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 355 |
| Net operating income | $1,065,990 | 1,420 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,477,000 | 1,402 |
| Total interest expense | $4,765,000 | 1,881 |
| Net interest income | $15,712,000 | 1,231 |
| Provision for loan and lease losses | $638,000 | 1,765 |
| Total noninterest income | $5,287,000 | 1,080 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,365,000 | 514 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,922,000 | 1,510 |
| Total noninterest expense | $14,409,000 | 1,122 |
| Salaries and employee benefits | $7,352,000 | 1,159 |
| Premises and equipment expense | $2,725,000 | 827 |
| Additional noninterest expense | $4,332,000 | 1,165 |
| Pre-tax net operating income | $5,952,000 | 1,388 |
| Securities gains (losses) | $136,000 | 1,625 |
| Applicable income taxes | $1,700,000 | 1,454 |
| Income before extraordinary items | $4,388,000 | 1,434 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,388,000 | 1,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,586 |
| Cash dividends | $1,700,000 | 1,575 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 719 |
| Net operating income | $4,290,080 | 1,399 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,373,000 | 1,423 |
| Total interest expense | $3,621,000 | 1,930 |
| Net interest income | $11,752,000 | 1,245 |
| Provision for loan and lease losses | $465,000 | 1,764 |
| Total noninterest income | $4,146,000 | 1,087 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,556,000 | 511 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,590,000 | 1,473 |
| Total noninterest expense | $10,716,000 | 1,143 |
| Salaries and employee benefits | $5,603,000 | 1,140 |
| Premises and equipment expense | $1,911,000 | 894 |
| Additional noninterest expense | $3,202,000 | 1,181 |
| Pre-tax net operating income | $4,717,000 | 1,372 |
| Securities gains (losses) | $48,000 | 2,347 |
| Applicable income taxes | $1,345,000 | 1,457 |
| Income before extraordinary items | $3,420,000 | 1,440 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,420,000 | 1,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,333 |
| Cash dividends | $764,000 | 2,064 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 584 |
| Net operating income | $3,385,440 | 1,370 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,289,000 | 1,430 |
| Total interest expense | $2,484,000 | 1,934 |
| Net interest income | $7,805,000 | 1,249 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $2,703,000 | 1,085 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,760,000 | 493 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $943,000 | 1,579 |
| Total noninterest expense | $7,099,000 | 1,146 |
| Salaries and employee benefits | $3,686,000 | 1,159 |
| Premises and equipment expense | $1,256,000 | 911 |
| Additional noninterest expense | $2,157,000 | 1,164 |
| Pre-tax net operating income | $3,169,000 | 1,350 |
| Securities gains (losses) | $6,000 | 3,151 |
| Applicable income taxes | $910,000 | 1,475 |
| Income before extraordinary items | $2,265,000 | 1,448 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,265,000 | 1,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,391 |
| Cash dividends | $509,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 482 |
| Net operating income | $2,260,740 | 1,360 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,127,000 | 1,439 |
| Total interest expense | $1,272,000 | 1,940 |
| Net interest income | $3,855,000 | 1,263 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $1,290,000 | 1,095 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $873,000 | 485 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $417,000 | 1,688 |
| Total noninterest expense | $3,468,000 | 1,159 |
| Salaries and employee benefits | $1,816,000 | 1,170 |
| Premises and equipment expense | $619,000 | 928 |
| Additional noninterest expense | $1,033,000 | 1,182 |
| Pre-tax net operating income | $1,557,000 | 1,372 |
| Securities gains (losses) | $39,000 | 1,535 |
| Applicable income taxes | $465,000 | 1,458 |
| Income before extraordinary items | $1,131,000 | 1,440 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,131,000 | 1,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $254,000 | 1,935 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 341 |
| Net operating income | $1,103,310 | 1,382 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,372,000 | 1,586 |
| Total interest expense | $5,067,000 | 2,214 |
| Net interest income | $14,305,000 | 1,354 |
| Provision for loan and lease losses | $644,000 | 1,952 |
| Total noninterest income | $4,352,000 | 1,179 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,793,000 | 583 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,559,000 | 1,598 |
| Total noninterest expense | $12,927,000 | 1,184 |
| Salaries and employee benefits | $6,702,000 | 1,200 |
| Premises and equipment expense | $2,374,000 | 920 |
| Additional noninterest expense | $3,851,000 | 1,254 |
| Pre-tax net operating income | $5,086,000 | 1,605 |
| Securities gains (losses) | $80,000 | 1,959 |
| Applicable income taxes | $1,404,000 | 1,741 |
| Income before extraordinary items | $3,762,000 | 1,595 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,762,000 | 1,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 2,056 |
| Cash dividends | $824,000 | 2,607 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 764 |
| Net operating income | $3,703,600 | 1,566 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,762,000 | 1,724 |
| Total interest expense | $7,640,000 | 2,106 |
| Net interest income | $12,122,000 | 1,465 |
| Provision for loan and lease losses | $464,000 | 2,346 |
| Total noninterest income | $3,015,000 | 1,471 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,796,000 | 820 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,219,000 | 1,778 |
| Total noninterest expense | $11,617,000 | 1,249 |
| Salaries and employee benefits | $5,902,000 | 1,256 |
| Premises and equipment expense | $2,289,000 | 910 |
| Additional noninterest expense | $3,426,000 | 1,367 |
| Pre-tax net operating income | $3,056,000 | 2,223 |
| Securities gains (losses) | $438,000 | 663 |
| Applicable income taxes | $925,000 | 2,190 |
| Income before extraordinary items | $2,569,000 | 2,034 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,569,000 | 2,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 1,867 |
| Cash dividends | $905,000 | 2,417 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 803 |
| Net operating income | $2,244,880 | 2,226 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,002,000 | 1,834 |
| Total interest expense | $7,327,000 | 2,315 |
| Net interest income | $11,675,000 | 1,506 |
| Provision for loan and lease losses | $242,000 | 3,309 |
| Total noninterest income | $2,251,000 | 1,714 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,418,000 | 946 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $833,000 | 2,103 |
| Total noninterest expense | $10,388,000 | 1,335 |
| Salaries and employee benefits | $5,226,000 | 1,356 |
| Premises and equipment expense | $2,110,000 | 946 |
| Additional noninterest expense | $3,052,000 | 1,477 |
| Pre-tax net operating income | $3,296,000 | 2,188 |
| Securities gains (losses) | $6,000 | 1,308 |
| Applicable income taxes | $935,000 | 2,252 |
| Income before extraordinary items | $2,367,000 | 2,191 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,367,000 | 2,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,962 |
| Cash dividends | $1,268,000 | 1,894 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 901 |
| Net operating income | $2,362,680 | 2,197 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,894,000 | 2,040 |
| Total interest expense | $5,703,000 | 2,584 |
| Net interest income | $10,191,000 | 1,709 |
| Provision for loan and lease losses | $242,000 | 3,112 |
| Total noninterest income | $2,082,000 | 1,811 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,316,000 | 1,016 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $766,000 | 2,220 |
| Total noninterest expense | $9,161,000 | 1,516 |
| Salaries and employee benefits | $4,614,000 | 1,511 |
| Premises and equipment expense | $1,710,000 | 1,173 |
| Additional noninterest expense | $2,837,000 | 1,576 |
| Pre-tax net operating income | $2,870,000 | 2,508 |
| Securities gains (losses) | $-27,000 | 9,628 |
| Applicable income taxes | $700,000 | 2,896 |
| Income before extraordinary items | $2,143,000 | 2,433 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,143,000 | 2,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 1,855 |
| Cash dividends | $701,000 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 982 |
| Net operating income | $2,163,250 | 2,379 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,883,000 | 2,201 |
| Total interest expense | $5,360,000 | 2,807 |
| Net interest income | $9,523,000 | 1,789 |
| Provision for loan and lease losses | $242,000 | 3,053 |
| Total noninterest income | $2,028,000 | 1,814 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,335,000 | 929 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $693,000 | 2,407 |
| Total noninterest expense | $8,705,000 | 1,526 |
| Salaries and employee benefits | $4,270,000 | 1,546 |
| Premises and equipment expense | $1,595,000 | 1,201 |
| Additional noninterest expense | $2,840,000 | 1,523 |
| Pre-tax net operating income | $2,604,000 | 2,677 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $645,000 | 3,219 |
| Income before extraordinary items | $1,959,000 | 2,604 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,959,000 | 2,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,892 |
| Cash dividends | $454,000 | 3,741 |
| Sale, conversion, retirement of capital stock, net | $4,268,000 | 265 |
| Net operating income | $1,959,000 | 2,527 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,641,000 | 2,391 |
| Total interest expense | $5,365,000 | 2,789 |
| Net interest income | $8,276,000 | 2,103 |
| Provision for loan and lease losses | $354,000 | 2,310 |
| Total noninterest income | $1,955,000 | 1,798 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,391,000 | 913 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $564,000 | 2,606 |
| Total noninterest expense | $7,528,000 | 1,726 |
| Salaries and employee benefits | $3,910,000 | 1,679 |
| Premises and equipment expense | $1,391,000 | 1,405 |
| Additional noninterest expense | $2,227,000 | 1,908 |
| Pre-tax net operating income | $2,349,000 | 3,070 |
| Securities gains (losses) | $-26,000 | 10,459 |
| Applicable income taxes | $650,000 | 3,452 |
| Income before extraordinary items | $1,673,000 | 3,038 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,673,000 | 3,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,945 |
| Cash dividends | $415,000 | 3,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,691,720 | 2,951 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,426,000 | 2,676 |
| Total interest expense | $4,841,000 | 3,092 |
| Net interest income | $7,585,000 | 2,377 |
| Provision for loan and lease losses | $497,000 | 1,749 |
| Total noninterest income | $1,683,000 | 2,109 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,103,000 | 1,207 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $580,000 | 2,627 |
| Total noninterest expense | $6,968,000 | 2,008 |
| Salaries and employee benefits | $3,922,000 | 1,691 |
| Premises and equipment expense | $1,113,000 | 1,804 |
| Additional noninterest expense | $1,933,000 | 2,538 |
| Pre-tax net operating income | $1,803,000 | 3,716 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $475,000 | 4,313 |
| Income before extraordinary items | $1,334,000 | 3,549 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,334,000 | 3,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,431 |
| Cash dividends | $380,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,329,560 | 3,507 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,925,000 | 2,804 |
| Total interest expense | $5,216,000 | 2,922 |
| Net interest income | $6,709,000 | 2,658 |
| Provision for loan and lease losses | $515,000 | 1,531 |
| Total noninterest income | $2,088,000 | 1,773 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $983,000 | 1,387 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,105,000 | 1,685 |
| Total noninterest expense | $6,712,000 | 2,055 |
| Salaries and employee benefits | $3,237,000 | 2,047 |
| Premises and equipment expense | $978,000 | 2,055 |
| Additional noninterest expense | $2,497,000 | 1,995 |
| Pre-tax net operating income | $1,570,000 | 4,295 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $384,000 | 5,087 |
| Income before extraordinary items | $1,190,000 | 3,987 |
| Extraordinary gains, net | $-278,000 | 11,950 |
| Net income | $912,000 | 4,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 1,444 |
| Cash dividends | $356,000 | 4,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,186,960 | 3,980 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,035,000 | 3,025 |
| Total interest expense | $3,564,000 | 3,399 |
| Net interest income | $6,471,000 | 2,796 |
| Provision for loan and lease losses | $397,000 | 1,843 |
| Total noninterest income | $1,944,000 | 1,869 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $988,000 | 1,354 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $956,000 | 1,894 |
| Total noninterest expense | $6,326,000 | 2,225 |
| Salaries and employee benefits | $2,882,000 | 2,324 |
| Premises and equipment expense | $1,000,000 | 2,038 |
| Additional noninterest expense | $2,444,000 | 2,174 |
| Pre-tax net operating income | $1,692,000 | 3,976 |
| Securities gains (losses) | $55,000 | 1,094 |
| Applicable income taxes | $500,000 | 4,049 |
| Income before extraordinary items | $1,247,000 | 3,725 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,247,000 | 3,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,796 |
| Cash dividends | $332,000 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,207,950 | 3,862 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,616,000 | 3,217 |
| Total interest expense | $3,668,000 | 3,426 |
| Net interest income | $5,948,000 | 3,052 |
| Provision for loan and lease losses | $549,000 | 1,970 |
| Total noninterest income | $1,790,000 | 2,123 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,011,000 | 1,336 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $779,000 | 2,431 |
| Total noninterest expense | $6,054,000 | 2,370 |
| Salaries and employee benefits | $2,851,000 | 2,339 |
| Premises and equipment expense | $1,007,000 | 2,036 |
| Additional noninterest expense | $2,196,000 | 2,522 |
| Pre-tax net operating income | $1,135,000 | 5,396 |
| Securities gains (losses) | $40,000 | 3,728 |
| Applicable income taxes | $270,000 | 6,484 |
| Income before extraordinary items | $905,000 | 5,070 |
| Extraordinary gains, net | $-85,000 | 12,883 |
| Net income | $820,000 | 5,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $419,000 | 1,998 |
| Cash dividends | $315,000 | 4,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $874,200 | 4,984 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,352,000 | 3,377 |
| Total interest expense | $4,793,000 | 3,438 |
| Net interest income | $5,559,000 | 3,294 |
| Provision for loan and lease losses | $492,000 | 3,038 |
| Total noninterest income | $1,760,000 | 2,123 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,056,000 | 1,256 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $704,000 | 2,532 |
| Total noninterest expense | $5,659,000 | 2,553 |
| Salaries and employee benefits | $2,737,000 | 2,366 |
| Premises and equipment expense | $936,000 | 2,223 |
| Additional noninterest expense | $1,986,000 | 2,822 |
| Pre-tax net operating income | $1,168,000 | 5,027 |
| Securities gains (losses) | $48,000 | 4,198 |
| Applicable income taxes | $280,000 | 6,218 |
| Income before extraordinary items | $936,000 | 4,779 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $936,000 | 4,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 3,977 |
| Cash dividends | $314,000 | 3,905 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $899,040 | 4,623 |
* 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.