Home > The Elizabeth State Bank > Income and Expense
The Elizabeth State Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,579,000 | 6,371 |
| Total interest expense | $557,000 | 6,062 |
| Net interest income | $1,022,000 | 6,346 |
| Provision for loan and lease losses | $179,000 | 4,523 |
| Total noninterest income | $129,000 | 5,980 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $62,000 | 5,487 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $67,000 | 5,424 |
| Total noninterest expense | $937,000 | 6,447 |
| Salaries and employee benefits | $285,000 | 7,396 |
| Premises and equipment expense | $74,000 | 7,057 |
| Additional noninterest expense | $578,000 | 4,833 |
| Pre-tax net operating income | $35,000 | 5,601 |
| Securities gains (losses) | $-3,684,000 | 8,104 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-3,649,000 | 7,689 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,649,000 | 7,687 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,649,000 | 7,688 |
| Net charge-offs | $33,000 | 5,273 |
| Cash dividends | $50,000 | 3,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $35,000 | 5,595 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $807,000 | 6,370 |
| Total interest expense | $299,000 | 6,023 |
| Net interest income | $508,000 | 6,369 |
| Provision for loan and lease losses | $152,000 | 3,191 |
| Total noninterest income | $50,000 | 6,383 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $33,000 | 5,355 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $17,000 | 6,333 |
| Total noninterest expense | $382,000 | 6,832 |
| Salaries and employee benefits | $154,000 | 7,328 |
| Premises and equipment expense | $37,000 | 7,099 |
| Additional noninterest expense | $191,000 | 5,708 |
| Pre-tax net operating income | $24,000 | 5,964 |
| Securities gains (losses) | $-3,588,000 | 8,198 |
| Applicable income taxes | $1,000 | 4,679 |
| Income before extraordinary items | $-3,565,000 | 8,004 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,565,000 | 8,005 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-3,565,000 | 8,005 |
| Net charge-offs | $34,000 | 3,910 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $23,000 | 5,942 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 6,075 |
| Total interest expense | $1,729,000 | 5,661 |
| Net interest income | $2,145,000 | 6,276 |
| Provision for loan and lease losses | $40,000 | 6,700 |
| Total noninterest income | $210,000 | 6,420 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $135,000 | 5,493 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $75,000 | 6,290 |
| Total noninterest expense | $1,447,000 | 6,939 |
| Salaries and employee benefits | $641,000 | 7,305 |
| Premises and equipment expense | $143,000 | 7,200 |
| Additional noninterest expense | $663,000 | 5,970 |
| Pre-tax net operating income | $868,000 | 4,030 |
| Securities gains (losses) | $-1,904,000 | 7,879 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-1,036,000 | 7,013 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,036,000 | 7,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 4,868 |
| Cash dividends | $30,000 | 5,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $868,000 | 3,703 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,065,000 | 6,029 |
| Total interest expense | $1,369,000 | 5,654 |
| Net interest income | $1,696,000 | 6,190 |
| Provision for loan and lease losses | $40,000 | 6,090 |
| Total noninterest income | $169,000 | 6,422 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $104,000 | 5,476 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $65,000 | 6,256 |
| Total noninterest expense | $1,098,000 | 6,929 |
| Salaries and employee benefits | $475,000 | 7,341 |
| Premises and equipment expense | $107,000 | 7,267 |
| Additional noninterest expense | $516,000 | 5,820 |
| Pre-tax net operating income | $727,000 | 4,270 |
| Securities gains (losses) | $-654,000 | 7,823 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $73,000 | 6,310 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $73,000 | 6,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,241 |
| Cash dividends | $30,000 | 4,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $727,000 | 3,886 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 6,112 |
| Total interest expense | $958,000 | 5,688 |
| Net interest income | $1,071,000 | 6,327 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $109,000 | 6,532 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $69,000 | 5,503 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $40,000 | 6,423 |
| Total noninterest expense | $736,000 | 6,962 |
| Salaries and employee benefits | $314,000 | 7,425 |
| Premises and equipment expense | $73,000 | 7,289 |
| Additional noninterest expense | $349,000 | 5,785 |
| Pre-tax net operating income | $444,000 | 4,588 |
| Securities gains (losses) | $-498,000 | 8,342 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-54,000 | 7,159 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-54,000 | 7,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $30,000 | 4,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $444,000 | 4,201 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,025,000 | 6,161 |
| Total interest expense | $512,000 | 5,696 |
| Net interest income | $513,000 | 6,452 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $43,000 | 6,875 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $32,000 | 5,589 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $11,000 | 7,150 |
| Total noninterest expense | $379,000 | 6,933 |
| Salaries and employee benefits | $155,000 | 7,487 |
| Premises and equipment expense | $38,000 | 7,235 |
| Additional noninterest expense | $186,000 | 5,573 |
| Pre-tax net operating income | $177,000 | 5,175 |
| Securities gains (losses) | $-45,000 | 8,394 |
| Applicable income taxes | $1,000 | 5,476 |
| Income before extraordinary items | $131,000 | 5,435 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $131,000 | 5,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $175,550 | 4,838 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,200,000 | 6,130 |
| Total interest expense | $2,111,000 | 5,713 |
| Net interest income | $2,089,000 | 6,396 |
| Provision for loan and lease losses | $28,000 | 6,150 |
| Total noninterest income | $199,000 | 6,745 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $123,000 | 5,724 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $76,000 | 6,595 |
| Total noninterest expense | $1,352,000 | 7,142 |
| Salaries and employee benefits | $627,000 | 7,469 |
| Premises and equipment expense | $144,000 | 7,308 |
| Additional noninterest expense | $581,000 | 6,212 |
| Pre-tax net operating income | $908,000 | 4,936 |
| Securities gains (losses) | $-624,000 | 8,391 |
| Applicable income taxes | $7,000 | 5,711 |
| Income before extraordinary items | $277,000 | 6,516 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $277,000 | 6,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,332 |
| Cash dividends | $690,000 | 3,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $888,520 | 4,562 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,175,000 | 6,146 |
| Total interest expense | $1,617,000 | 5,684 |
| Net interest income | $1,558,000 | 6,445 |
| Provision for loan and lease losses | $20,000 | 5,830 |
| Total noninterest income | $132,000 | 6,957 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $89,000 | 5,807 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $43,000 | 6,975 |
| Total noninterest expense | $994,000 | 7,166 |
| Salaries and employee benefits | $440,000 | 7,555 |
| Premises and equipment expense | $109,000 | 7,284 |
| Additional noninterest expense | $445,000 | 6,135 |
| Pre-tax net operating income | $676,000 | 5,196 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $5,000 | 5,890 |
| Income before extraordinary items | $671,000 | 4,779 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $671,000 | 4,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,397 |
| Cash dividends | $440,000 | 3,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $671,000 | 4,765 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,100,000 | 6,198 |
| Total interest expense | $1,067,000 | 5,711 |
| Net interest income | $1,033,000 | 6,508 |
| Provision for loan and lease losses | $11,000 | 5,714 |
| Total noninterest income | $82,000 | 7,099 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $60,000 | 5,817 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $22,000 | 7,282 |
| Total noninterest expense | $656,000 | 7,214 |
| Salaries and employee benefits | $291,000 | 7,623 |
| Premises and equipment expense | $73,000 | 7,311 |
| Additional noninterest expense | $292,000 | 6,200 |
| Pre-tax net operating income | $448,000 | 5,274 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,000 | 6,009 |
| Income before extraordinary items | $445,000 | 4,827 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $445,000 | 4,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,597 |
| Cash dividends | $190,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $445,000 | 4,828 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,023,000 | 6,272 |
| Total interest expense | $523,000 | 5,744 |
| Net interest income | $500,000 | 6,607 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $43,000 | 7,029 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $30,000 | 5,797 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $13,000 | 7,127 |
| Total noninterest expense | $334,000 | 7,228 |
| Salaries and employee benefits | $146,000 | 7,647 |
| Premises and equipment expense | $37,000 | 7,309 |
| Additional noninterest expense | $151,000 | 6,100 |
| Pre-tax net operating income | $206,000 | 5,451 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $205,000 | 4,998 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $205,000 | 4,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $30,000 | 3,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $205,000 | 4,986 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,780,000 | 6,254 |
| Total interest expense | $1,843,000 | 5,625 |
| Net interest income | $1,937,000 | 6,623 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $203,000 | 6,902 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $130,000 | 5,768 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $73,000 | 6,807 |
| Total noninterest expense | $1,416,000 | 7,034 |
| Salaries and employee benefits | $641,000 | 7,467 |
| Premises and equipment expense | $159,000 | 7,149 |
| Additional noninterest expense | $616,000 | 5,991 |
| Pre-tax net operating income | $724,000 | 5,854 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,000 | 6,435 |
| Income before extraordinary items | $722,000 | 5,437 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $722,000 | 5,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,595 |
| Cash dividends | $1,765,000 | 1,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $722,000 | 5,429 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,766,000 | 6,333 |
| Total interest expense | $1,325,000 | 5,667 |
| Net interest income | $1,441,000 | 6,722 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $135,000 | 7,117 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $96,000 | 5,861 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $39,000 | 7,234 |
| Total noninterest expense | $1,025,000 | 7,116 |
| Salaries and employee benefits | $450,000 | 7,582 |
| Premises and equipment expense | $108,000 | 7,336 |
| Additional noninterest expense | $467,000 | 5,963 |
| Pre-tax net operating income | $551,000 | 6,042 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $550,000 | 5,558 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $550,000 | 5,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $1,590,000 | 1,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $550,000 | 5,558 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,798,000 | 6,388 |
| Total interest expense | $822,000 | 5,739 |
| Net interest income | $976,000 | 6,717 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $88,000 | 7,201 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $62,000 | 5,917 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,282 |
| Total noninterest expense | $672,000 | 7,188 |
| Salaries and employee benefits | $297,000 | 7,643 |
| Premises and equipment expense | $66,000 | 7,495 |
| Additional noninterest expense | $309,000 | 5,989 |
| Pre-tax net operating income | $392,000 | 5,940 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $391,000 | 5,437 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $391,000 | 5,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $1,425,000 | 1,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $391,000 | 5,435 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $870,000 | 6,438 |
| Total interest expense | $370,000 | 5,895 |
| Net interest income | $500,000 | 6,683 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $43,000 | 7,194 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $30,000 | 5,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,271 |
| Total noninterest expense | $337,000 | 7,196 |
| Salaries and employee benefits | $150,000 | 7,630 |
| Premises and equipment expense | $30,000 | 7,633 |
| Additional noninterest expense | $157,000 | 5,932 |
| Pre-tax net operating income | $206,000 | 5,784 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $205,000 | 5,301 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $205,000 | 5,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $1,250,000 | 628 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $205,000 | 5,302 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,761,000 | 6,000 |
| Total interest expense | $1,482,000 | 5,247 |
| Net interest income | $2,279,000 | 6,289 |
| Provision for loan and lease losses | $35,000 | 6,101 |
| Total noninterest income | $140,000 | 7,581 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $135,000 | 5,814 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,000 | 8,545 |
| Total noninterest expense | $1,272,000 | 7,275 |
| Salaries and employee benefits | $617,000 | 7,564 |
| Premises and equipment expense | $94,000 | 7,929 |
| Additional noninterest expense | $561,000 | 6,249 |
| Pre-tax net operating income | $1,112,000 | 5,072 |
| Securities gains (losses) | $-170,000 | 8,550 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $942,000 | 4,976 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $942,000 | 4,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $1,160,000 | 2,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,112,000 | 4,488 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,890,000 | 5,914 |
| Total interest expense | $1,138,000 | 5,078 |
| Net interest income | $1,752,000 | 6,260 |
| Provision for loan and lease losses | $35,000 | 5,685 |
| Total noninterest income | $50,000 | 8,319 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $95,000 | 5,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-45,000 | 8,850 |
| Total noninterest expense | $922,000 | 7,340 |
| Salaries and employee benefits | $427,000 | 7,683 |
| Premises and equipment expense | $68,000 | 7,980 |
| Additional noninterest expense | $427,000 | 6,183 |
| Pre-tax net operating income | $845,000 | 5,193 |
| Securities gains (losses) | $-170,000 | 8,707 |
| Applicable income taxes | $-2,000 | 8,548 |
| Income before extraordinary items | $677,000 | 5,165 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $677,000 | 5,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $760,000 | 2,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $847,000 | 4,565 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,002,000 | 5,738 |
| Total interest expense | $790,000 | 4,820 |
| Net interest income | $1,212,000 | 6,152 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $10,000 | 8,659 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $64,000 | 5,897 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $-54,000 | 8,867 |
| Total noninterest expense | $622,000 | 7,313 |
| Salaries and employee benefits | $284,000 | 7,702 |
| Premises and equipment expense | $48,000 | 7,908 |
| Additional noninterest expense | $290,000 | 6,100 |
| Pre-tax net operating income | $570,000 | 5,132 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-1,000 | 8,563 |
| Income before extraordinary items | $571,000 | 4,550 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $571,000 | 4,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $571,000 | 4,494 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,009,000 | 5,707 |
| Total interest expense | $373,000 | 4,869 |
| Net interest income | $636,000 | 6,039 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $33,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $30,000 | 5,982 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $315,000 | 7,348 |
| Salaries and employee benefits | $144,000 | 7,735 |
| Premises and equipment expense | $22,000 | 8,069 |
| Additional noninterest expense | $149,000 | 6,036 |
| Pre-tax net operating income | $339,000 | 4,677 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $339,000 | 4,039 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $339,000 | 4,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $339,000 | 4,001 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,302,000 | 6,142 |
| Total interest expense | $1,131,000 | 5,297 |
| Net interest income | $2,171,000 | 6,408 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $152,000 | 7,594 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $103,000 | 6,432 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $49,000 | 7,440 |
| Total noninterest expense | $1,253,000 | 7,349 |
| Salaries and employee benefits | $598,000 | 7,668 |
| Premises and equipment expense | $97,000 | 8,004 |
| Additional noninterest expense | $558,000 | 6,224 |
| Pre-tax net operating income | $1,058,000 | 5,096 |
| Securities gains (losses) | $-34,000 | 8,513 |
| Applicable income taxes | $4,000 | 6,965 |
| Income before extraordinary items | $1,020,000 | 4,638 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,020,000 | 4,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,073 |
| Cash dividends | $970,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,054,000 | 4,476 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 6,213 |
| Total interest expense | $844,000 | 5,292 |
| Net interest income | $1,582,000 | 6,498 |
| Provision for loan and lease losses | $12,000 | 6,640 |
| Total noninterest income | $109,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $74,000 | 6,546 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $35,000 | 7,515 |
| Total noninterest expense | $886,000 | 7,442 |
| Salaries and employee benefits | $419,000 | 7,760 |
| Premises and equipment expense | $73,000 | 7,993 |
| Additional noninterest expense | $394,000 | 6,359 |
| Pre-tax net operating income | $793,000 | 5,208 |
| Securities gains (losses) | $-18,000 | 8,631 |
| Applicable income taxes | $4,000 | 6,986 |
| Income before extraordinary items | $771,000 | 4,723 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $771,000 | 4,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,418 |
| Cash dividends | $770,000 | 2,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $788,820 | 4,580 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,682,000 | 6,111 |
| Total interest expense | $578,000 | 5,217 |
| Net interest income | $1,104,000 | 6,392 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $60,000 | 7,965 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $41,000 | 6,815 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $19,000 | 7,792 |
| Total noninterest expense | $601,000 | 7,455 |
| Salaries and employee benefits | $283,000 | 7,797 |
| Premises and equipment expense | $49,000 | 8,015 |
| Additional noninterest expense | $269,000 | 6,305 |
| Pre-tax net operating income | $551,000 | 5,067 |
| Securities gains (losses) | $-18,000 | 8,784 |
| Applicable income taxes | $3,000 | 6,985 |
| Income before extraordinary items | $530,000 | 4,588 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $530,000 | 4,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $520,000 | 2,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $547,820 | 4,407 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $925,000 | 5,845 |
| Total interest expense | $302,000 | 5,143 |
| Net interest income | $623,000 | 6,024 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $26,000 | 8,131 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $19,000 | 6,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $313,000 | 7,409 |
| Salaries and employee benefits | $144,000 | 7,786 |
| Premises and equipment expense | $26,000 | 7,959 |
| Additional noninterest expense | $143,000 | 6,152 |
| Pre-tax net operating income | $327,000 | 4,611 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $325,000 | 4,054 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $325,000 | 4,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $370,000 | 1,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $325,000 | 3,911 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,046,000 | 5,607 |
| Total interest expense | $1,390,000 | 5,118 |
| Net interest income | $2,656,000 | 5,694 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $178,000 | 7,541 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $89,000 | 6,730 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $89,000 | 6,724 |
| Total noninterest expense | $1,261,000 | 7,342 |
| Salaries and employee benefits | $642,000 | 7,533 |
| Premises and equipment expense | $106,000 | 7,994 |
| Additional noninterest expense | $513,000 | 6,480 |
| Pre-tax net operating income | $1,573,000 | 4,006 |
| Securities gains (losses) | $424,000 | 841 |
| Applicable income taxes | $17,000 | 6,861 |
| Income before extraordinary items | $1,980,000 | 2,890 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,980,000 | 2,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,704 |
| Cash dividends | $1,904,000 | 1,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,560,240 | 3,293 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,054,000 | 5,650 |
| Total interest expense | $1,072,000 | 5,174 |
| Net interest income | $1,982,000 | 5,742 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $146,000 | 7,437 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $68,000 | 6,764 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,505 |
| Total noninterest expense | $853,000 | 7,585 |
| Salaries and employee benefits | $400,000 | 7,933 |
| Premises and equipment expense | $76,000 | 8,069 |
| Additional noninterest expense | $377,000 | 6,513 |
| Pre-tax net operating income | $1,275,000 | 3,906 |
| Securities gains (losses) | $424,000 | 764 |
| Applicable income taxes | $15,000 | 6,924 |
| Income before extraordinary items | $1,684,000 | 2,707 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,684,000 | 2,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,382 |
| Cash dividends | $1,590,000 | 1,220 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,264,240 | 3,196 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,030,000 | 5,684 |
| Total interest expense | $741,000 | 5,168 |
| Net interest income | $1,289,000 | 5,831 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $96,000 | 7,467 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $47,000 | 6,687 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $49,000 | 6,605 |
| Total noninterest expense | $566,000 | 7,616 |
| Salaries and employee benefits | $266,000 | 7,956 |
| Premises and equipment expense | $48,000 | 8,136 |
| Additional noninterest expense | $252,000 | 6,505 |
| Pre-tax net operating income | $819,000 | 3,989 |
| Securities gains (losses) | $180,000 | 1,108 |
| Applicable income taxes | $7,000 | 7,084 |
| Income before extraordinary items | $992,000 | 2,994 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $992,000 | 2,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $950,000 | 1,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $813,800 | 3,278 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,036,000 | 5,649 |
| Total interest expense | $388,000 | 5,130 |
| Net interest income | $648,000 | 5,797 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $40,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $22,000 | 6,745 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,000 | 7,075 |
| Total noninterest expense | $281,000 | 7,666 |
| Salaries and employee benefits | $130,000 | 8,035 |
| Premises and equipment expense | $27,000 | 8,005 |
| Additional noninterest expense | $124,000 | 6,544 |
| Pre-tax net operating income | $407,000 | 3,988 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $405,000 | 3,422 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $405,000 | 3,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,762 |
| Cash dividends | $390,000 | 1,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $405,000 | 3,260 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,343,000 | 5,649 |
| Total interest expense | $1,824,000 | 5,106 |
| Net interest income | $2,519,000 | 5,886 |
| Provision for loan and lease losses | $99,000 | 5,759 |
| Total noninterest income | $148,000 | 7,847 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $87,000 | 6,811 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 7,318 |
| Total noninterest expense | $1,140,000 | 7,614 |
| Salaries and employee benefits | $563,000 | 7,870 |
| Premises and equipment expense | $105,000 | 8,102 |
| Additional noninterest expense | $472,000 | 6,668 |
| Pre-tax net operating income | $1,428,000 | 4,240 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $6,000 | 7,413 |
| Income before extraordinary items | $1,422,000 | 3,636 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,422,000 | 3,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $1,255,000 | 1,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,422,000 | 3,536 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,297,000 | 6,111 |
| Total interest expense | $2,209,000 | 5,801 |
| Net interest income | $2,088,000 | 6,297 |
| Provision for loan and lease losses | $61,000 | 6,339 |
| Total noninterest income | $125,000 | 8,174 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $75,000 | 7,070 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $50,000 | 7,689 |
| Total noninterest expense | $1,143,000 | 7,601 |
| Salaries and employee benefits | $525,000 | 8,047 |
| Premises and equipment expense | $126,000 | 7,904 |
| Additional noninterest expense | $492,000 | 6,490 |
| Pre-tax net operating income | $1,009,000 | 4,875 |
| Securities gains (losses) | $14,000 | 3,398 |
| Applicable income taxes | $11,000 | 7,558 |
| Income before extraordinary items | $1,012,000 | 4,254 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,012,000 | 4,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,083 |
| Cash dividends | $947,000 | 2,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $998,140 | 4,172 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,139,000 | 6,371 |
| Total interest expense | $2,222,000 | 5,949 |
| Net interest income | $1,917,000 | 6,702 |
| Provision for loan and lease losses | $65,000 | 6,097 |
| Total noninterest income | $112,000 | 8,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 6,945 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 8,541 |
| Total noninterest expense | $1,045,000 | 7,884 |
| Salaries and employee benefits | $522,000 | 8,138 |
| Premises and equipment expense | $114,000 | 8,204 |
| Additional noninterest expense | $409,000 | 7,080 |
| Pre-tax net operating income | $919,000 | 5,481 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $13,000 | 7,999 |
| Income before extraordinary items | $906,000 | 4,662 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $906,000 | 4,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $208,000 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $906,000 | 4,663 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,798,000 | 6,525 |
| Total interest expense | $2,145,000 | 5,742 |
| Net interest income | $1,653,000 | 7,278 |
| Provision for loan and lease losses | $116,000 | 4,933 |
| Total noninterest income | $118,000 | 8,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 7,217 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,343 |
| Total noninterest expense | $988,000 | 8,161 |
| Salaries and employee benefits | $521,000 | 8,219 |
| Premises and equipment expense | $88,000 | 8,858 |
| Additional noninterest expense | $379,000 | 7,450 |
| Pre-tax net operating income | $667,000 | 6,446 |
| Securities gains (losses) | $39,000 | 1,079 |
| Applicable income taxes | $5,000 | 8,598 |
| Income before extraordinary items | $701,000 | 5,456 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $701,000 | 5,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,247 |
| Cash dividends | $683,000 | 2,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $662,390 | 5,589 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,776,000 | 6,683 |
| Total interest expense | $2,248,000 | 5,750 |
| Net interest income | $1,528,000 | 7,630 |
| Provision for loan and lease losses | $134,000 | 4,412 |
| Total noninterest income | $109,000 | 8,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 7,455 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,704 |
| Total noninterest expense | $874,000 | 8,513 |
| Salaries and employee benefits | $445,000 | 8,675 |
| Premises and equipment expense | $70,000 | 9,364 |
| Additional noninterest expense | $359,000 | 7,584 |
| Pre-tax net operating income | $629,000 | 6,767 |
| Securities gains (losses) | $112,000 | 1,209 |
| Applicable income taxes | $6,000 | 9,185 |
| Income before extraordinary items | $735,000 | 5,464 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $735,000 | 5,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,472 |
| Cash dividends | $325,000 | 4,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $624,120 | 5,844 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,104,000 | 6,558 |
| Total interest expense | $2,584,000 | 5,288 |
| Net interest income | $1,520,000 | 7,935 |
| Provision for loan and lease losses | $80,000 | 5,644 |
| Total noninterest income | $95,000 | 9,510 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 7,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,432 |
| Total noninterest expense | $833,000 | 8,916 |
| Salaries and employee benefits | $454,000 | 8,924 |
| Premises and equipment expense | $76,000 | 9,545 |
| Additional noninterest expense | $303,000 | 8,290 |
| Pre-tax net operating income | $702,000 | 6,969 |
| Securities gains (losses) | $14,000 | 2,133 |
| Applicable income taxes | $-12,000 | 10,524 |
| Income before extraordinary items | $728,000 | 5,770 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $728,000 | 5,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 10,314 |
| Cash dividends | $1,565,000 | 1,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $714,000 | 5,792 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,253,000 | 7,661 |
| Total interest expense | $2,001,000 | 6,406 |
| Net interest income | $1,252,000 | 8,895 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $76,000 | 10,350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 8,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,411 |
| Total noninterest expense | $769,000 | 9,554 |
| Salaries and employee benefits | $394,000 | 9,643 |
| Premises and equipment expense | $70,000 | 10,079 |
| Additional noninterest expense | $305,000 | 8,827 |
| Pre-tax net operating income | $559,000 | 7,632 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $49,000 | 9,705 |
| Income before extraordinary items | $520,000 | 6,764 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $520,000 | 6,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,018 |
| Cash dividends | $800,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $510,900 | 6,766 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,941,000 | 8,295 |
| Total interest expense | $1,655,000 | 7,264 |
| Net interest income | $1,286,000 | 9,110 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $66,000 | 11,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 9,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,008 |
| Total noninterest expense | $901,000 | 9,353 |
| Salaries and employee benefits | $437,000 | 9,639 |
| Premises and equipment expense | $75,000 | 10,348 |
| Additional noninterest expense | $389,000 | 8,297 |
| Pre-tax net operating income | $451,000 | 8,746 |
| Securities gains (losses) | $-16,000 | 10,415 |
| Applicable income taxes | $-64,000 | 11,664 |
| Income before extraordinary items | $499,000 | 7,266 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $499,000 | 7,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $515,000 | 7,110 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,516,000 | 7,300 |
| Total interest expense | $1,731,000 | 6,259 |
| Net interest income | $1,785,000 | 8,077 |
| Provision for loan and lease losses | $-100,000 | 12,140 |
| Total noninterest income | $70,000 | 11,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 9,692 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 11,420 |
| Total noninterest expense | $858,000 | 9,958 |
| Salaries and employee benefits | $444,000 | 9,877 |
| Premises and equipment expense | $72,000 | 10,911 |
| Additional noninterest expense | $342,000 | 9,448 |
| Pre-tax net operating income | $1,097,000 | 5,580 |
| Securities gains (losses) | $-461,000 | 12,223 |
| Applicable income taxes | $20,000 | 11,148 |
| Income before extraordinary items | $616,000 | 6,419 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $616,000 | 6,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $1,186,000 | 1,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,063,170 | 4,351 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,039,000 | 6,835 |
| Total interest expense | $2,069,000 | 5,677 |
| Net interest income | $1,970,000 | 7,768 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $68,000 | 12,120 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $49,000 | 10,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,117 |
| Total noninterest expense | $905,000 | 10,174 |
| Salaries and employee benefits | $460,000 | 10,036 |
| Premises and equipment expense | $51,000 | 12,175 |
| Additional noninterest expense | $394,000 | 9,328 |
| Pre-tax net operating income | $1,133,000 | 5,403 |
| Securities gains (losses) | $106,000 | 2,422 |
| Applicable income taxes | $247,000 | 6,851 |
| Income before extraordinary items | $992,000 | 4,738 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $992,000 | 4,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 12,697 |
| Cash dividends | $1,000,000 | 1,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $907,200 | 4,838 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,701,000 | 5,729 |
| Total interest expense | $2,973,000 | 5,204 |
| Net interest income | $2,728,000 | 6,162 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $61,000 | 12,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 10,514 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 12,899 |
| Total noninterest expense | $898,000 | 10,493 |
| Salaries and employee benefits | $467,000 | 10,125 |
| Premises and equipment expense | $50,000 | 12,683 |
| Additional noninterest expense | $381,000 | 9,802 |
| Pre-tax net operating income | $1,891,000 | 3,274 |
| Securities gains (losses) | $54,000 | 3,989 |
| Applicable income taxes | $502,000 | 3,985 |
| Income before extraordinary items | $1,443,000 | 3,195 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,443,000 | 3,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 12,539 |
| Cash dividends | $1,246,000 | 1,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,403,040 | 3,034 |
* 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.