Home > The Farmers Citizens Bank > Income and Expense
The Farmers Citizens Bank, Income and Expense
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $11,532,000 | 1,633 |
| Total interest expense | $2,132,000 | 1,233 |
| Net interest income | $9,400,000 | 1,714 |
| Provision for loan and lease losses | $425,000 | 1,706 |
| Total noninterest income | $1,814,000 | 1,926 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $482,000 | 1,962 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,332,000 | 1,692 |
| Total noninterest expense | $9,156,000 | 1,584 |
| Salaries and employee benefits | $4,621,000 | 1,675 |
| Premises and equipment expense | $977,000 | 1,802 |
| Additional noninterest expense | $3,558,000 | 1,401 |
| Pre-tax net operating income | $1,633,000 | 2,777 |
| Securities gains (losses) | $824,000 | 258 |
| Applicable income taxes | $704,000 | 1,570 |
| Income before extraordinary items | $1,753,000 | 2,355 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,753,000 | 2,360 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,753,000 | 2,360 |
| Net charge-offs | $877,000 | 1,103 |
| Cash dividends | $1,400,000 | 1,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,167,960 | 3,052 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $7,668,000 | 1,640 |
| Total interest expense | $1,422,000 | 1,250 |
| Net interest income | $6,246,000 | 1,709 |
| Provision for loan and lease losses | $425,000 | 1,318 |
| Total noninterest income | $1,241,000 | 1,924 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $311,000 | 1,980 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $930,000 | 1,668 |
| Total noninterest expense | $5,665,000 | 1,705 |
| Salaries and employee benefits | $3,164,000 | 1,642 |
| Premises and equipment expense | $627,000 | 1,860 |
| Additional noninterest expense | $1,874,000 | 1,693 |
| Pre-tax net operating income | $1,397,000 | 2,324 |
| Securities gains (losses) | $824,000 | 220 |
| Applicable income taxes | $611,000 | 1,329 |
| Income before extraordinary items | $1,610,000 | 1,817 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,610,000 | 1,822 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,610,000 | 1,823 |
| Net charge-offs | $873,000 | 850 |
| Cash dividends | $1,100,000 | 998 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,016,720 | 2,513 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,761,000 | 1,677 |
| Total interest expense | $717,000 | 1,281 |
| Net interest income | $3,044,000 | 1,767 |
| Provision for loan and lease losses | $375,000 | 844 |
| Total noninterest income | $549,000 | 2,077 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $137,000 | 2,184 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $412,000 | 1,823 |
| Total noninterest expense | $2,895,000 | 1,669 |
| Salaries and employee benefits | $1,646,000 | 1,601 |
| Premises and equipment expense | $332,000 | 1,795 |
| Additional noninterest expense | $917,000 | 1,741 |
| Pre-tax net operating income | $323,000 | 3,676 |
| Securities gains (losses) | $760,000 | 138 |
| Applicable income taxes | $294,000 | 1,346 |
| Income before extraordinary items | $789,000 | 1,806 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $789,000 | 1,807 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $789,000 | 1,808 |
| Net charge-offs | $879,000 | 525 |
| Cash dividends | $400,000 | 1,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $234,200 | 3,915 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $15,600,000 | 1,702 |
| Total interest expense | $3,304,000 | 1,351 |
| Net interest income | $12,296,000 | 1,786 |
| Provision for loan and lease losses | $413,000 | 2,980 |
| Total noninterest income | $2,887,000 | 1,684 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $700,000 | 1,898 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,187,000 | 1,448 |
| Total noninterest expense | $10,735,000 | 1,786 |
| Salaries and employee benefits | $6,199,000 | 1,632 |
| Premises and equipment expense | $1,214,000 | 1,921 |
| Additional noninterest expense | $3,322,000 | 1,969 |
| Pre-tax net operating income | $4,035,000 | 1,649 |
| Securities gains (losses) | $862,000 | 604 |
| Applicable income taxes | $1,320,000 | 1,208 |
| Income before extraordinary items | $3,577,000 | 1,600 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,577,000 | 1,601 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $3,577,000 | 1,601 |
| Net charge-offs | $-211,000 | 7,005 |
| Cash dividends | $1,400,000 | 1,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $2,947,740 | 1,787 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $11,646,000 | 1,737 |
| Total interest expense | $2,517,000 | 1,392 |
| Net interest income | $9,129,000 | 1,827 |
| Provision for loan and lease losses | $312,000 | 2,926 |
| Total noninterest income | $2,025,000 | 1,773 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $523,000 | 1,923 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,502,000 | 1,529 |
| Total noninterest expense | $7,783,000 | 1,846 |
| Salaries and employee benefits | $4,354,000 | 1,730 |
| Premises and equipment expense | $889,000 | 1,983 |
| Additional noninterest expense | $2,540,000 | 1,944 |
| Pre-tax net operating income | $3,059,000 | 1,666 |
| Securities gains (losses) | $320,000 | 1,063 |
| Applicable income taxes | $893,000 | 1,338 |
| Income before extraordinary items | $2,486,000 | 1,761 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,486,000 | 1,759 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,486,000 | 1,762 |
| Net charge-offs | $-291,000 | 7,116 |
| Cash dividends | $1,100,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $2,249,200 | 1,793 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,726,000 | 1,754 |
| Total interest expense | $1,681,000 | 1,435 |
| Net interest income | $6,045,000 | 1,832 |
| Provision for loan and lease losses | $275,000 | 2,557 |
| Total noninterest income | $1,274,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $342,000 | 1,944 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $932,000 | 1,586 |
| Total noninterest expense | $5,144,000 | 1,863 |
| Salaries and employee benefits | $2,886,000 | 1,734 |
| Premises and equipment expense | $600,000 | 1,966 |
| Additional noninterest expense | $1,658,000 | 1,977 |
| Pre-tax net operating income | $1,900,000 | 1,758 |
| Securities gains (losses) | $240,000 | 989 |
| Applicable income taxes | $573,000 | 1,364 |
| Income before extraordinary items | $1,567,000 | 1,820 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,567,000 | 1,817 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,567,000 | 1,820 |
| Net charge-offs | $-330,000 | 7,200 |
| Cash dividends | $750,000 | 1,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,391,800 | 1,911 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,862,000 | 1,769 |
| Total interest expense | $854,000 | 1,468 |
| Net interest income | $3,008,000 | 1,854 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $666,000 | 1,775 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $163,000 | 2,001 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $503,000 | 1,503 |
| Total noninterest expense | $2,529,000 | 1,893 |
| Salaries and employee benefits | $1,413,000 | 1,780 |
| Premises and equipment expense | $292,000 | 2,019 |
| Additional noninterest expense | $824,000 | 1,982 |
| Pre-tax net operating income | $995,000 | 1,691 |
| Securities gains (losses) | $44,000 | 1,286 |
| Applicable income taxes | $278,000 | 1,369 |
| Income before extraordinary items | $761,000 | 1,868 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $761,000 | 1,868 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $761,000 | 1,869 |
| Net charge-offs | $67,000 | 2,791 |
| Cash dividends | $350,000 | 1,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $728,880 | 1,848 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,135,000 | 1,861 |
| Total interest expense | $4,174,000 | 1,451 |
| Net interest income | $10,961,000 | 1,991 |
| Provision for loan and lease losses | $960,000 | 2,473 |
| Total noninterest income | $1,929,000 | 2,065 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $697,000 | 1,996 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,232,000 | 1,870 |
| Total noninterest expense | $9,389,000 | 2,036 |
| Salaries and employee benefits | $5,064,000 | 1,916 |
| Premises and equipment expense | $1,194,000 | 2,073 |
| Additional noninterest expense | $3,131,000 | 2,119 |
| Pre-tax net operating income | $2,541,000 | 2,102 |
| Securities gains (losses) | $853,000 | 514 |
| Applicable income taxes | $928,000 | 1,413 |
| Income before extraordinary items | $2,466,000 | 1,896 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,466,000 | 1,897 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,466,000 | 1,897 |
| Net charge-offs | $683,000 | 2,812 |
| Cash dividends | $810,000 | 1,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,843,310 | 2,328 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,337,000 | 1,883 |
| Total interest expense | $3,237,000 | 1,457 |
| Net interest income | $8,100,000 | 2,035 |
| Provision for loan and lease losses | $835,000 | 2,212 |
| Total noninterest income | $1,354,000 | 2,160 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $517,000 | 2,019 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $837,000 | 1,973 |
| Total noninterest expense | $6,726,000 | 2,137 |
| Salaries and employee benefits | $3,444,000 | 2,120 |
| Premises and equipment expense | $910,000 | 2,057 |
| Additional noninterest expense | $2,372,000 | 2,108 |
| Pre-tax net operating income | $1,893,000 | 2,173 |
| Securities gains (losses) | $628,000 | 539 |
| Applicable income taxes | $703,000 | 1,418 |
| Income before extraordinary items | $1,818,000 | 1,988 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,818,000 | 1,988 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,818,000 | 1,988 |
| Net charge-offs | $381,000 | 2,971 |
| Cash dividends | $660,000 | 1,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,365,840 | 2,391 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,600,000 | 1,884 |
| Total interest expense | $2,209,000 | 1,484 |
| Net interest income | $5,391,000 | 2,041 |
| Provision for loan and lease losses | $585,000 | 2,137 |
| Total noninterest income | $826,000 | 2,281 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $328,000 | 2,083 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $498,000 | 2,103 |
| Total noninterest expense | $4,372,000 | 2,209 |
| Salaries and employee benefits | $2,103,000 | 2,306 |
| Premises and equipment expense | $603,000 | 2,094 |
| Additional noninterest expense | $1,666,000 | 2,047 |
| Pre-tax net operating income | $1,260,000 | 2,151 |
| Securities gains (losses) | $326,000 | 518 |
| Applicable income taxes | $440,000 | 1,443 |
| Income before extraordinary items | $1,146,000 | 2,023 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,146,000 | 2,023 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,146,000 | 2,023 |
| Net charge-offs | $380,000 | 2,414 |
| Cash dividends | $400,000 | 1,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $911,280 | 2,353 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,728,000 | 1,934 |
| Total interest expense | $1,128,000 | 1,505 |
| Net interest income | $2,600,000 | 2,088 |
| Provision for loan and lease losses | $250,000 | 2,162 |
| Total noninterest income | $396,000 | 2,360 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $154,000 | 2,159 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $242,000 | 2,195 |
| Total noninterest expense | $2,099,000 | 2,316 |
| Salaries and employee benefits | $921,000 | 2,629 |
| Premises and equipment expense | $310,000 | 2,061 |
| Additional noninterest expense | $868,000 | 1,952 |
| Pre-tax net operating income | $647,000 | 2,094 |
| Securities gains (losses) | $2,000 | 1,590 |
| Applicable income taxes | $167,000 | 1,685 |
| Income before extraordinary items | $482,000 | 2,318 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $482,000 | 2,317 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $482,000 | 2,318 |
| Net charge-offs | $109,000 | 2,647 |
| Cash dividends | $150,000 | 1,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $480,520 | 2,274 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,234,000 | 1,985 |
| Total interest expense | $6,369,000 | 1,303 |
| Net interest income | $8,865,000 | 2,483 |
| Provision for loan and lease losses | $680,000 | 3,644 |
| Total noninterest income | $1,759,000 | 2,268 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $806,000 | 1,816 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $953,000 | 2,226 |
| Total noninterest expense | $7,888,000 | 2,449 |
| Salaries and employee benefits | $3,756,000 | 2,553 |
| Premises and equipment expense | $1,168,000 | 2,156 |
| Additional noninterest expense | $2,964,000 | 2,312 |
| Pre-tax net operating income | $2,056,000 | 2,187 |
| Securities gains (losses) | $725,000 | 646 |
| Applicable income taxes | $790,000 | 1,447 |
| Income before extraordinary items | $1,991,000 | 2,033 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,991,000 | 2,034 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,991,000 | 2,035 |
| Net charge-offs | $352,000 | 4,100 |
| Cash dividends | $745,000 | 1,859 |
| Sale, conversion, retirement of capital stock, net | $6,275,000 | 120 |
| Net operating income | $1,469,000 | 2,452 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,503,000 | 2,013 |
| Total interest expense | $4,980,000 | 1,297 |
| Net interest income | $6,523,000 | 2,554 |
| Provision for loan and lease losses | $625,000 | 3,183 |
| Total noninterest income | $1,279,000 | 2,336 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $631,000 | 1,794 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $648,000 | 2,377 |
| Total noninterest expense | $5,930,000 | 2,446 |
| Salaries and employee benefits | $2,840,000 | 2,554 |
| Premises and equipment expense | $873,000 | 2,200 |
| Additional noninterest expense | $2,217,000 | 2,282 |
| Pre-tax net operating income | $1,247,000 | 2,709 |
| Securities gains (losses) | $512,000 | 724 |
| Applicable income taxes | $465,000 | 1,740 |
| Income before extraordinary items | $1,294,000 | 2,415 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,294,000 | 2,412 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,294,000 | 2,416 |
| Net charge-offs | $287,000 | 3,787 |
| Cash dividends | $425,000 | 1,954 |
| Sale, conversion, retirement of capital stock, net | $6,275,000 | 92 |
| Net operating income | $915,120 | 2,924 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,742,000 | 2,023 |
| Total interest expense | $3,443,000 | 1,298 |
| Net interest income | $4,299,000 | 2,577 |
| Provision for loan and lease losses | $550,000 | 2,712 |
| Total noninterest income | $856,000 | 2,270 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $423,000 | 1,795 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $433,000 | 2,305 |
| Total noninterest expense | $3,931,000 | 2,465 |
| Salaries and employee benefits | $1,920,000 | 2,533 |
| Premises and equipment expense | $579,000 | 2,226 |
| Additional noninterest expense | $1,432,000 | 2,349 |
| Pre-tax net operating income | $674,000 | 3,097 |
| Securities gains (losses) | $396,000 | 579 |
| Applicable income taxes | $254,000 | 1,895 |
| Income before extraordinary items | $816,000 | 2,468 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $816,000 | 2,464 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $816,000 | 2,467 |
| Net charge-offs | $201,000 | 3,534 |
| Cash dividends | $100,000 | 2,812 |
| Sale, conversion, retirement of capital stock, net | $6,275,000 | 62 |
| Net operating income | $515,040 | 3,246 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,915,000 | 2,046 |
| Total interest expense | $1,748,000 | 1,344 |
| Net interest income | $2,167,000 | 2,591 |
| Provision for loan and lease losses | $250,000 | 2,660 |
| Total noninterest income | $417,000 | 2,294 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $206,000 | 1,832 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $211,000 | 2,313 |
| Total noninterest expense | $1,997,000 | 2,448 |
| Salaries and employee benefits | $980,000 | 2,513 |
| Premises and equipment expense | $286,000 | 2,303 |
| Additional noninterest expense | $731,000 | 2,314 |
| Pre-tax net operating income | $337,000 | 3,160 |
| Securities gains (losses) | $189,000 | 538 |
| Applicable income taxes | $108,000 | 2,047 |
| Income before extraordinary items | $418,000 | 2,482 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $418,000 | 2,479 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $418,000 | 2,482 |
| Net charge-offs | $44,000 | 3,838 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $6,275,000 | 38 |
| Net operating income | $268,690 | 3,231 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $14,744,000 | 2,258 |
| Total interest expense | $6,807,000 | 1,731 |
| Net interest income | $7,937,000 | 2,752 |
| Provision for loan and lease losses | $1,175,000 | 3,248 |
| Total noninterest income | $1,796,000 | 2,278 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $973,000 | 1,730 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $823,000 | 2,415 |
| Total noninterest expense | $7,445,000 | 2,649 |
| Salaries and employee benefits | $3,492,000 | 2,791 |
| Premises and equipment expense | $999,000 | 2,578 |
| Additional noninterest expense | $2,954,000 | 2,379 |
| Pre-tax net operating income | $1,113,000 | 2,826 |
| Securities gains (losses) | $962,000 | 518 |
| Applicable income taxes | $547,000 | 1,469 |
| Income before extraordinary items | $1,528,000 | 2,083 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,528,000 | 2,080 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,528,000 | 2,082 |
| Net charge-offs | $674,000 | 3,398 |
| Cash dividends | $420,000 | 2,774 |
| Sale, conversion, retirement of capital stock, net | $1,312,000 | 391 |
| Net operating income | $816,120 | 3,043 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,856,000 | 2,345 |
| Total interest expense | $5,002,000 | 1,824 |
| Net interest income | $5,854,000 | 2,798 |
| Provision for loan and lease losses | $875,000 | 2,981 |
| Total noninterest income | $1,367,000 | 2,316 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $737,000 | 1,719 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $630,000 | 2,445 |
| Total noninterest expense | $5,575,000 | 2,656 |
| Salaries and employee benefits | $2,558,000 | 2,882 |
| Premises and equipment expense | $746,000 | 2,617 |
| Additional noninterest expense | $2,271,000 | 2,296 |
| Pre-tax net operating income | $771,000 | 3,173 |
| Securities gains (losses) | $670,000 | 549 |
| Applicable income taxes | $380,000 | 1,684 |
| Income before extraordinary items | $1,061,000 | 2,387 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,061,000 | 2,385 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,061,000 | 2,388 |
| Net charge-offs | $522,000 | 2,982 |
| Cash dividends | $310,000 | 2,584 |
| Sale, conversion, retirement of capital stock, net | $312,000 | 506 |
| Net operating income | $565,200 | 3,387 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,051,000 | 2,445 |
| Total interest expense | $3,291,000 | 1,939 |
| Net interest income | $3,760,000 | 2,875 |
| Provision for loan and lease losses | $400,000 | 3,257 |
| Total noninterest income | $930,000 | 2,298 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $485,000 | 1,718 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $445,000 | 2,391 |
| Total noninterest expense | $3,591,000 | 2,769 |
| Salaries and employee benefits | $1,654,000 | 3,000 |
| Premises and equipment expense | $488,000 | 2,693 |
| Additional noninterest expense | $1,449,000 | 2,411 |
| Pre-tax net operating income | $699,000 | 2,768 |
| Securities gains (losses) | $202,000 | 1,014 |
| Applicable income taxes | $243,000 | 1,759 |
| Income before extraordinary items | $658,000 | 2,612 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $658,000 | 2,609 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $658,000 | 2,611 |
| Net charge-offs | $304,000 | 2,908 |
| Cash dividends | $250,000 | 2,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $510,540 | 2,952 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,423,000 | 2,539 |
| Total interest expense | $1,618,000 | 2,035 |
| Net interest income | $1,805,000 | 2,964 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $475,000 | 2,221 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $231,000 | 1,751 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $244,000 | 2,229 |
| Total noninterest expense | $1,697,000 | 2,819 |
| Salaries and employee benefits | $804,000 | 3,089 |
| Premises and equipment expense | $245,000 | 2,713 |
| Additional noninterest expense | $648,000 | 2,395 |
| Pre-tax net operating income | $433,000 | 2,650 |
| Securities gains (losses) | $3,000 | 2,164 |
| Applicable income taxes | $130,000 | 1,920 |
| Income before extraordinary items | $306,000 | 3,097 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $306,000 | 3,098 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $306,000 | 3,098 |
| Net charge-offs | $165,000 | 2,321 |
| Cash dividends | $120,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $303,900 | 2,953 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,045,000 | 2,824 |
| Total interest expense | $6,477,000 | 2,351 |
| Net interest income | $6,568,000 | 3,233 |
| Provision for loan and lease losses | $335,000 | 4,439 |
| Total noninterest income | $1,801,000 | 2,311 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $938,000 | 1,853 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $863,000 | 2,350 |
| Total noninterest expense | $6,188,000 | 2,994 |
| Salaries and employee benefits | $2,981,000 | 3,267 |
| Premises and equipment expense | $831,000 | 3,086 |
| Additional noninterest expense | $2,376,000 | 2,452 |
| Pre-tax net operating income | $1,846,000 | 2,615 |
| Securities gains (losses) | $71,000 | 1,367 |
| Applicable income taxes | $614,000 | 1,644 |
| Income before extraordinary items | $1,303,000 | 2,772 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,303,000 | 2,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,961 |
| Cash dividends | $1,400,000 | 1,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,254,720 | 2,971 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,643,000 | 2,908 |
| Total interest expense | $4,810,000 | 2,458 |
| Net interest income | $4,833,000 | 3,313 |
| Provision for loan and lease losses | $195,000 | 4,255 |
| Total noninterest income | $1,368,000 | 2,356 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $680,000 | 1,914 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $688,000 | 2,343 |
| Total noninterest expense | $4,678,000 | 2,944 |
| Salaries and employee benefits | $2,354,000 | 3,150 |
| Premises and equipment expense | $627,000 | 3,078 |
| Additional noninterest expense | $1,697,000 | 2,496 |
| Pre-tax net operating income | $1,328,000 | 3,094 |
| Securities gains (losses) | $28,000 | 1,801 |
| Applicable income taxes | $462,000 | 2,000 |
| Income before extraordinary items | $894,000 | 3,333 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $894,000 | 3,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,089 |
| Cash dividends | $1,175,000 | 1,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $875,520 | 3,517 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,330,000 | 2,994 |
| Total interest expense | $3,206,000 | 2,552 |
| Net interest income | $3,124,000 | 3,386 |
| Provision for loan and lease losses | $130,000 | 3,857 |
| Total noninterest income | $934,000 | 2,344 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $424,000 | 2,006 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $510,000 | 2,207 |
| Total noninterest expense | $3,069,000 | 2,996 |
| Salaries and employee benefits | $1,589,000 | 3,165 |
| Premises and equipment expense | $424,000 | 3,059 |
| Additional noninterest expense | $1,056,000 | 2,614 |
| Pre-tax net operating income | $859,000 | 3,274 |
| Securities gains (losses) | $10,000 | 2,438 |
| Applicable income taxes | $289,000 | 2,261 |
| Income before extraordinary items | $580,000 | 3,713 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $580,000 | 3,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,962 |
| Cash dividends | $1,175,000 | 1,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $573,300 | 3,682 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,121,000 | 3,115 |
| Total interest expense | $1,626,000 | 2,678 |
| Net interest income | $1,495,000 | 3,493 |
| Provision for loan and lease losses | $20,000 | 4,875 |
| Total noninterest income | $421,000 | 2,513 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $199,000 | 2,091 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $222,000 | 2,418 |
| Total noninterest expense | $1,499,000 | 3,065 |
| Salaries and employee benefits | $774,000 | 3,250 |
| Premises and equipment expense | $215,000 | 3,023 |
| Additional noninterest expense | $510,000 | 2,675 |
| Pre-tax net operating income | $397,000 | 3,562 |
| Securities gains (losses) | $8,000 | 2,056 |
| Applicable income taxes | $134,000 | 2,460 |
| Income before extraordinary items | $271,000 | 4,030 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $271,000 | 4,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $175,000 | 2,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $265,640 | 3,984 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,645,000 | 3,360 |
| Total interest expense | $6,240,000 | 2,919 |
| Net interest income | $5,405,000 | 3,777 |
| Provision for loan and lease losses | $260,000 | 3,438 |
| Total noninterest income | $1,395,000 | 2,837 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $646,000 | 2,532 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $749,000 | 2,655 |
| Total noninterest expense | $5,413,000 | 3,236 |
| Salaries and employee benefits | $2,795,000 | 3,420 |
| Premises and equipment expense | $799,000 | 3,082 |
| Additional noninterest expense | $1,819,000 | 2,901 |
| Pre-tax net operating income | $1,127,000 | 4,493 |
| Securities gains (losses) | $17,000 | 1,155 |
| Applicable income taxes | $365,000 | 3,144 |
| Income before extraordinary items | $779,000 | 4,847 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $779,000 | 4,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,179 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $3,146,000 | 313 |
| Net operating income | $767,440 | 4,851 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,516,000 | 3,442 |
| Total interest expense | $4,568,000 | 2,963 |
| Net interest income | $3,948,000 | 3,858 |
| Provision for loan and lease losses | $200,000 | 2,996 |
| Total noninterest income | $1,023,000 | 2,866 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $465,000 | 2,593 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $558,000 | 2,671 |
| Total noninterest expense | $3,962,000 | 3,273 |
| Salaries and employee benefits | $1,999,000 | 3,540 |
| Premises and equipment expense | $603,000 | 3,057 |
| Additional noninterest expense | $1,360,000 | 2,850 |
| Pre-tax net operating income | $809,000 | 4,812 |
| Securities gains (losses) | $-6,000 | 7,659 |
| Applicable income taxes | $216,000 | 3,626 |
| Income before extraordinary items | $587,000 | 5,040 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $587,000 | 5,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,610 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $3,146,000 | 230 |
| Net operating income | $591,380 | 5,011 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,477,000 | 3,543 |
| Total interest expense | $2,866,000 | 3,115 |
| Net interest income | $2,611,000 | 3,898 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $649,000 | 2,986 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $299,000 | 2,661 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $350,000 | 2,769 |
| Total noninterest expense | $2,593,000 | 3,359 |
| Salaries and employee benefits | $1,300,000 | 3,637 |
| Premises and equipment expense | $409,000 | 3,043 |
| Additional noninterest expense | $884,000 | 2,926 |
| Pre-tax net operating income | $517,000 | 4,970 |
| Securities gains (losses) | $-6,000 | 7,884 |
| Applicable income taxes | $141,000 | 3,725 |
| Income before extraordinary items | $370,000 | 5,239 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $370,000 | 5,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,435 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $3,146,000 | 170 |
| Net operating income | $374,320 | 5,206 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,622,000 | 3,646 |
| Total interest expense | $1,353,000 | 3,234 |
| Net interest income | $1,269,000 | 3,983 |
| Provision for loan and lease losses | $80,000 | 2,339 |
| Total noninterest income | $284,000 | 3,229 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $134,000 | 2,839 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $150,000 | 3,022 |
| Total noninterest expense | $1,272,000 | 3,412 |
| Salaries and employee benefits | $635,000 | 3,728 |
| Premises and equipment expense | $214,000 | 2,952 |
| Additional noninterest expense | $423,000 | 3,028 |
| Pre-tax net operating income | $201,000 | 5,505 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $51,000 | 4,100 |
| Income before extraordinary items | $150,000 | 5,649 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $150,000 | 5,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,847 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $150,000 | 5,633 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,803,000 | 3,636 |
| Total interest expense | $4,970,000 | 3,036 |
| Net interest income | $4,833,000 | 4,109 |
| Provision for loan and lease losses | $148,000 | 4,088 |
| Total noninterest income | $1,186,000 | 3,150 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $664,000 | 2,481 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $522,000 | 3,259 |
| Total noninterest expense | $5,260,000 | 3,216 |
| Salaries and employee benefits | $2,788,000 | 3,330 |
| Premises and equipment expense | $734,000 | 3,211 |
| Additional noninterest expense | $1,738,000 | 2,908 |
| Pre-tax net operating income | $611,000 | 6,156 |
| Securities gains (losses) | $14,000 | 999 |
| Applicable income taxes | $106,000 | 4,923 |
| Income before extraordinary items | $519,000 | 6,079 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $519,000 | 6,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 1,887 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $507,380 | 6,134 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,202,000 | 3,663 |
| Total interest expense | $3,622,000 | 3,025 |
| Net interest income | $3,580,000 | 4,174 |
| Provision for loan and lease losses | $23,000 | 5,896 |
| Total noninterest income | $899,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $500,000 | 2,480 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $399,000 | 3,225 |
| Total noninterest expense | $3,958,000 | 3,200 |
| Salaries and employee benefits | $2,113,000 | 3,299 |
| Premises and equipment expense | $540,000 | 3,267 |
| Additional noninterest expense | $1,305,000 | 2,890 |
| Pre-tax net operating income | $498,000 | 6,226 |
| Securities gains (losses) | $2,000 | 1,183 |
| Applicable income taxes | $106,000 | 4,872 |
| Income before extraordinary items | $394,000 | 6,265 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $394,000 | 6,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 1,527 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $392,420 | 6,271 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,691,000 | 3,673 |
| Total interest expense | $2,304,000 | 3,038 |
| Net interest income | $2,387,000 | 4,177 |
| Provision for loan and lease losses | $13,000 | 5,851 |
| Total noninterest income | $595,000 | 3,139 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $323,000 | 2,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $272,000 | 3,187 |
| Total noninterest expense | $2,639,000 | 3,204 |
| Salaries and employee benefits | $1,432,000 | 3,265 |
| Premises and equipment expense | $359,000 | 3,262 |
| Additional noninterest expense | $848,000 | 2,973 |
| Pre-tax net operating income | $330,000 | 6,268 |
| Securities gains (losses) | $1,000 | 1,053 |
| Applicable income taxes | $77,000 | 4,811 |
| Income before extraordinary items | $254,000 | 6,358 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $254,000 | 6,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,714 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $253,230 | 6,368 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,298,000 | 3,669 |
| Total interest expense | $1,106,000 | 3,011 |
| Net interest income | $1,192,000 | 4,184 |
| Provision for loan and lease losses | $13,000 | 5,083 |
| Total noninterest income | $268,000 | 3,319 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $149,000 | 2,615 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $119,000 | 3,396 |
| Total noninterest expense | $1,327,000 | 3,203 |
| Salaries and employee benefits | $720,000 | 3,253 |
| Premises and equipment expense | $183,000 | 3,224 |
| Additional noninterest expense | $424,000 | 2,958 |
| Pre-tax net operating income | $120,000 | 6,794 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $26,000 | 5,161 |
| Income before extraordinary items | $95,000 | 6,813 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $95,000 | 6,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $94,210 | 6,823 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,236,000 | 3,677 |
| Total interest expense | $3,633,000 | 2,852 |
| Net interest income | $4,603,000 | 4,194 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $1,066,000 | 3,401 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $649,000 | 2,497 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $417,000 | 3,707 |
| Total noninterest expense | $4,914,000 | 3,283 |
| Salaries and employee benefits | $2,545,000 | 3,425 |
| Premises and equipment expense | $730,000 | 3,135 |
| Additional noninterest expense | $1,639,000 | 3,017 |
| Pre-tax net operating income | $635,000 | 6,311 |
| Securities gains (losses) | $234,000 | 460 |
| Applicable income taxes | $173,000 | 4,850 |
| Income before extraordinary items | $696,000 | 5,682 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $696,000 | 5,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,723 |
| Cash dividends | $430,000 | 3,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $508,800 | 6,307 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,968,000 | 3,729 |
| Total interest expense | $2,566,000 | 2,868 |
| Net interest income | $3,402,000 | 4,236 |
| Provision for loan and lease losses | $95,000 | 4,242 |
| Total noninterest income | $776,000 | 3,476 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $488,000 | 2,485 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $288,000 | 3,868 |
| Total noninterest expense | $3,753,000 | 3,213 |
| Salaries and employee benefits | $1,889,000 | 3,437 |
| Premises and equipment expense | $556,000 | 3,063 |
| Additional noninterest expense | $1,308,000 | 2,815 |
| Pre-tax net operating income | $330,000 | 7,069 |
| Securities gains (losses) | $216,000 | 457 |
| Applicable income taxes | $86,000 | 5,378 |
| Income before extraordinary items | $460,000 | 6,080 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $460,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,184 |
| Cash dividends | $430,000 | 3,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $278,560 | 6,992 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,819,000 | 3,768 |
| Total interest expense | $1,593,000 | 2,915 |
| Net interest income | $2,226,000 | 4,266 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $507,000 | 3,482 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $317,000 | 2,512 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $190,000 | 3,850 |
| Total noninterest expense | $2,437,000 | 3,264 |
| Salaries and employee benefits | $1,227,000 | 3,496 |
| Premises and equipment expense | $376,000 | 3,015 |
| Additional noninterest expense | $834,000 | 2,901 |
| Pre-tax net operating income | $231,000 | 7,013 |
| Securities gains (losses) | $216,000 | 392 |
| Applicable income taxes | $84,000 | 5,033 |
| Income before extraordinary items | $363,000 | 5,693 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $363,000 | 5,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $270,000 | 3,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $188,040 | 6,969 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 3,890 |
| Total interest expense | $713,000 | 3,069 |
| Net interest income | $1,105,000 | 4,313 |
| Provision for loan and lease losses | $35,000 | 3,777 |
| Total noninterest income | $269,000 | 3,304 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $149,000 | 2,576 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $120,000 | 3,395 |
| Total noninterest expense | $1,193,000 | 3,324 |
| Salaries and employee benefits | $590,000 | 3,613 |
| Premises and equipment expense | $185,000 | 3,071 |
| Additional noninterest expense | $418,000 | 2,907 |
| Pre-tax net operating income | $146,000 | 6,624 |
| Securities gains (losses) | $121,000 | 340 |
| Applicable income taxes | $48,000 | 4,803 |
| Income before extraordinary items | $219,000 | 5,184 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $219,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $110,000 | 2,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $119,780 | 6,544 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,066,000 | 3,773 |
| Total interest expense | $2,726,000 | 2,835 |
| Net interest income | $4,340,000 | 4,231 |
| Provision for loan and lease losses | $90,000 | 5,165 |
| Total noninterest income | $1,147,000 | 3,226 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $673,000 | 2,460 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $474,000 | 3,414 |
| Total noninterest expense | $4,639,000 | 3,333 |
| Salaries and employee benefits | $2,225,000 | 3,663 |
| Premises and equipment expense | $775,000 | 2,868 |
| Additional noninterest expense | $1,639,000 | 2,910 |
| Pre-tax net operating income | $758,000 | 5,918 |
| Securities gains (losses) | $56,000 | 1,653 |
| Applicable income taxes | $45,000 | 6,100 |
| Income before extraordinary items | $769,000 | 5,353 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $769,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,907 |
| Cash dividends | $445,000 | 3,745 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $716,360 | 5,442 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,308,000 | 3,743 |
| Total interest expense | $2,026,000 | 2,801 |
| Net interest income | $3,282,000 | 4,192 |
| Provision for loan and lease losses | $75,000 | 4,788 |
| Total noninterest income | $884,000 | 3,180 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $520,000 | 2,417 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $364,000 | 3,366 |
| Total noninterest expense | $3,491,000 | 3,302 |
| Salaries and employee benefits | $1,664,000 | 3,656 |
| Premises and equipment expense | $588,000 | 2,830 |
| Additional noninterest expense | $1,239,000 | 2,846 |
| Pre-tax net operating income | $600,000 | 5,901 |
| Securities gains (losses) | $56,000 | 1,578 |
| Applicable income taxes | $16,000 | 6,628 |
| Income before extraordinary items | $640,000 | 5,192 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $640,000 | 5,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 1,632 |
| Cash dividends | $409,000 | 2,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $585,120 | 5,346 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,496,000 | 3,774 |
| Total interest expense | $1,311,000 | 2,876 |
| Net interest income | $2,185,000 | 4,202 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $570,000 | 3,289 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $381,000 | 2,240 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $189,000 | 3,848 |
| Total noninterest expense | $2,245,000 | 3,420 |
| Salaries and employee benefits | $1,083,000 | 3,743 |
| Premises and equipment expense | $385,000 | 2,880 |
| Additional noninterest expense | $777,000 | 3,015 |
| Pre-tax net operating income | $460,000 | 5,511 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $19,000 | 6,311 |
| Income before extraordinary items | $441,000 | 5,059 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $441,000 | 5,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,330 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $441,000 | 4,966 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,780,000 | 3,737 |
| Total interest expense | $655,000 | 2,914 |
| Net interest income | $1,125,000 | 4,116 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $273,000 | 3,312 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $151,000 | 2,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $122,000 | 3,315 |
| Total noninterest expense | $1,105,000 | 3,483 |
| Salaries and employee benefits | $532,000 | 3,809 |
| Premises and equipment expense | $199,000 | 2,824 |
| Additional noninterest expense | $374,000 | 3,098 |
| Pre-tax net operating income | $293,000 | 4,862 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $22,000 | 5,705 |
| Income before extraordinary items | $271,000 | 4,549 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $271,000 | 4,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $271,000 | 4,412 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,192,000 | 3,733 |
| Total interest expense | $2,743,000 | 3,107 |
| Net interest income | $4,449,000 | 4,030 |
| Provision for loan and lease losses | $50,000 | 6,256 |
| Total noninterest income | $1,161,000 | 3,376 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $655,000 | 2,510 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $506,000 | 3,569 |
| Total noninterest expense | $4,476,000 | 3,366 |
| Salaries and employee benefits | $2,395,000 | 3,377 |
| Premises and equipment expense | $773,000 | 2,839 |
| Additional noninterest expense | $1,308,000 | 3,472 |
| Pre-tax net operating income | $1,084,000 | 4,964 |
| Securities gains (losses) | $411,000 | 855 |
| Applicable income taxes | $229,000 | 4,716 |
| Income before extraordinary items | $1,266,000 | 3,993 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,266,000 | 3,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,637 |
| Cash dividends | $495,000 | 3,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $916,650 | 4,728 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,364,000 | 3,803 |
| Total interest expense | $2,062,000 | 3,210 |
| Net interest income | $3,302,000 | 4,082 |
| Provision for loan and lease losses | $50,000 | 5,747 |
| Total noninterest income | $822,000 | 3,583 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $481,000 | 2,564 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $341,000 | 3,826 |
| Total noninterest expense | $3,334,000 | 3,373 |
| Salaries and employee benefits | $1,813,000 | 3,351 |
| Premises and equipment expense | $581,000 | 2,854 |
| Additional noninterest expense | $940,000 | 3,580 |
| Pre-tax net operating income | $740,000 | 5,364 |
| Securities gains (losses) | $289,000 | 987 |
| Applicable income taxes | $150,000 | 5,091 |
| Income before extraordinary items | $879,000 | 4,357 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $879,000 | 4,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,233 |
| Cash dividends | $311,000 | 3,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $633,350 | 5,082 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,644,000 | 3,760 |
| Total interest expense | $1,381,000 | 3,288 |
| Net interest income | $2,263,000 | 4,000 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $571,000 | 3,474 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $318,000 | 2,540 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $253,000 | 3,606 |
| Total noninterest expense | $2,208,000 | 3,389 |
| Salaries and employee benefits | $1,168,000 | 3,442 |
| Premises and equipment expense | $390,000 | 2,838 |
| Additional noninterest expense | $650,000 | 3,456 |
| Pre-tax net operating income | $576,000 | 4,946 |
| Securities gains (losses) | $139,000 | 1,280 |
| Applicable income taxes | $126,000 | 4,785 |
| Income before extraordinary items | $589,000 | 4,356 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $589,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,202 |
| Cash dividends | $206,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $475,020 | 4,721 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,845,000 | 3,747 |
| Total interest expense | $673,000 | 3,420 |
| Net interest income | $1,172,000 | 3,898 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $229,000 | 3,836 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $159,000 | 2,464 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $1,108,000 | 3,366 |
| Salaries and employee benefits | $581,000 | 3,453 |
| Premises and equipment expense | $198,000 | 2,780 |
| Additional noninterest expense | $329,000 | 3,367 |
| Pre-tax net operating income | $293,000 | 4,845 |
| Securities gains (losses) | $55,000 | 1,335 |
| Applicable income taxes | $59,000 | 4,866 |
| Income before extraordinary items | $289,000 | 4,349 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $289,000 | 4,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,694 |
| Cash dividends | $103,000 | 2,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $243,350 | 4,595 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,006,000 | 4,044 |
| Total interest expense | $2,424,000 | 4,203 |
| Net interest income | $4,582,000 | 3,930 |
| Provision for loan and lease losses | $-275,000 | 9,315 |
| Total noninterest income | $837,000 | 3,878 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $542,000 | 2,779 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $295,000 | 4,295 |
| Total noninterest expense | $4,411,000 | 3,275 |
| Salaries and employee benefits | $2,464,000 | 3,162 |
| Premises and equipment expense | $673,000 | 3,107 |
| Additional noninterest expense | $1,274,000 | 3,437 |
| Pre-tax net operating income | $1,283,000 | 4,533 |
| Securities gains (losses) | $30,000 | 2,835 |
| Applicable income taxes | $203,000 | 5,094 |
| Income before extraordinary items | $1,110,000 | 4,296 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,110,000 | 4,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $771,000 | 2,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,084,500 | 4,259 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,911,000 | 4,472 |
| Total interest expense | $2,883,000 | 4,876 |
| Net interest income | $4,028,000 | 4,109 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $744,000 | 4,047 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $470,000 | 2,981 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $274,000 | 4,308 |
| Total noninterest expense | $3,616,000 | 3,726 |
| Salaries and employee benefits | $1,690,000 | 4,121 |
| Premises and equipment expense | $698,000 | 2,949 |
| Additional noninterest expense | $1,228,000 | 3,424 |
| Pre-tax net operating income | $1,156,000 | 4,512 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $194,000 | 5,086 |
| Income before extraordinary items | $962,000 | 4,382 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $962,000 | 4,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,863 |
| Cash dividends | $677,000 | 2,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $962,000 | 4,269 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,129,000 | 4,512 |
| Total interest expense | $2,942,000 | 4,996 |
| Net interest income | $4,187,000 | 4,024 |
| Provision for loan and lease losses | $-134,000 | 9,822 |
| Total noninterest income | $667,000 | 4,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $419,000 | 3,123 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $248,000 | 4,312 |
| Total noninterest expense | $3,788,000 | 3,478 |
| Salaries and employee benefits | $1,719,000 | 3,917 |
| Premises and equipment expense | $899,000 | 2,297 |
| Additional noninterest expense | $1,170,000 | 3,510 |
| Pre-tax net operating income | $1,200,000 | 4,719 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $308,000 | 4,549 |
| Income before extraordinary items | $892,000 | 4,712 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $892,000 | 4,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,541 |
| Cash dividends | $969,000 | 2,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $892,000 | 4,710 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,676,000 | 4,579 |
| Total interest expense | $2,593,000 | 5,087 |
| Net interest income | $4,083,000 | 4,107 |
| Provision for loan and lease losses | $-130,000 | 10,117 |
| Total noninterest income | $653,000 | 4,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $407,000 | 3,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $246,000 | 4,476 |
| Total noninterest expense | $3,374,000 | 3,814 |
| Salaries and employee benefits | $1,663,000 | 3,999 |
| Premises and equipment expense | $655,000 | 3,040 |
| Additional noninterest expense | $1,056,000 | 3,836 |
| Pre-tax net operating income | $1,492,000 | 4,109 |
| Securities gains (losses) | $-3,000 | 8,917 |
| Applicable income taxes | $379,000 | 4,301 |
| Income before extraordinary items | $1,110,000 | 4,107 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,110,000 | 4,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-137,000 | 10,084 |
| Cash dividends | $920,000 | 2,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,112,250 | 4,061 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,379,000 | 4,768 |
| Total interest expense | $2,542,000 | 5,301 |
| Net interest income | $3,837,000 | 4,266 |
| Provision for loan and lease losses | $-75,000 | 10,297 |
| Total noninterest income | $622,000 | 4,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,057 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 4,842 |
| Total noninterest expense | $3,155,000 | 3,934 |
| Salaries and employee benefits | $1,490,000 | 4,263 |
| Premises and equipment expense | $618,000 | 3,076 |
| Additional noninterest expense | $1,047,000 | 3,803 |
| Pre-tax net operating income | $1,379,000 | 4,448 |
| Securities gains (losses) | $11,000 | 2,878 |
| Applicable income taxes | $351,000 | 4,758 |
| Income before extraordinary items | $1,039,000 | 4,373 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,039,000 | 4,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-320,000 | 10,394 |
| Cash dividends | $576,000 | 3,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,030,750 | 4,309 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,573,000 | 5,358 |
| Total interest expense | $2,167,000 | 5,945 |
| Net interest income | $3,406,000 | 4,825 |
| Provision for loan and lease losses | $27,000 | 7,550 |
| Total noninterest income | $528,000 | 4,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,496 |
| Total noninterest expense | $2,698,000 | 4,478 |
| Salaries and employee benefits | $1,200,000 | 5,099 |
| Premises and equipment expense | $495,000 | 3,740 |
| Additional noninterest expense | $1,003,000 | 3,896 |
| Pre-tax net operating income | $1,209,000 | 5,223 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $306,000 | 5,670 |
| Income before extraordinary items | $906,000 | 5,027 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $906,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-190,000 | 10,812 |
| Cash dividends | $445,000 | 3,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $903,750 | 4,986 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,620,000 | 5,431 |
| Total interest expense | $2,277,000 | 5,888 |
| Net interest income | $3,343,000 | 5,020 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $480,000 | 5,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 3,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,090 |
| Total noninterest expense | $2,938,000 | 4,371 |
| Salaries and employee benefits | $1,468,000 | 4,400 |
| Premises and equipment expense | $503,000 | 3,761 |
| Additional noninterest expense | $967,000 | 4,527 |
| Pre-tax net operating income | $885,000 | 6,142 |
| Securities gains (losses) | $-14,000 | 10,446 |
| Applicable income taxes | $157,000 | 7,776 |
| Income before extraordinary items | $714,000 | 5,700 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $714,000 | 5,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,970 |
| Cash dividends | $726,000 | 2,675 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $725,480 | 5,594 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,564,000 | 5,538 |
| Total interest expense | $2,442,000 | 5,668 |
| Net interest income | $3,122,000 | 5,331 |
| Provision for loan and lease losses | $204,000 | 2,963 |
| Total noninterest income | $425,000 | 5,757 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $323,000 | 4,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,172 |
| Total noninterest expense | $2,714,000 | 4,654 |
| Salaries and employee benefits | $1,297,000 | 4,868 |
| Premises and equipment expense | $441,000 | 4,174 |
| Additional noninterest expense | $976,000 | 4,447 |
| Pre-tax net operating income | $629,000 | 7,711 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $64,000 | 9,898 |
| Income before extraordinary items | $569,000 | 6,792 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $569,000 | 6,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $508,000 | 1,371 |
| Cash dividends | $604,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $565,400 | 6,797 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,448,000 | 5,282 |
| Total interest expense | $2,281,000 | 5,017 |
| Net interest income | $3,167,000 | 5,370 |
| Provision for loan and lease losses | $1,015,000 | 913 |
| Total noninterest income | $431,000 | 5,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $321,000 | 4,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,224 |
| Total noninterest expense | $2,376,000 | 5,393 |
| Salaries and employee benefits | $1,168,000 | 5,374 |
| Premises and equipment expense | $306,000 | 5,631 |
| Additional noninterest expense | $902,000 | 5,159 |
| Pre-tax net operating income | $207,000 | 10,840 |
| Securities gains (losses) | $38,000 | 1,321 |
| Applicable income taxes | $-107,000 | 12,310 |
| Income before extraordinary items | $352,000 | 8,619 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $352,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,828 |
| Cash dividends | $459,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $314,000 | 9,056 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,711,000 | 5,174 |
| Total interest expense | $2,398,000 | 5,001 |
| Net interest income | $3,313,000 | 5,197 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $425,000 | 6,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 7,223 |
| Total noninterest expense | $2,282,000 | 5,696 |
| Salaries and employee benefits | $1,080,000 | 5,742 |
| Premises and equipment expense | $284,000 | 6,125 |
| Additional noninterest expense | $918,000 | 5,281 |
| Pre-tax net operating income | $1,206,000 | 5,162 |
| Securities gains (losses) | $113,000 | 2,322 |
| Applicable income taxes | $263,000 | 6,600 |
| Income before extraordinary items | $1,056,000 | 4,478 |
| Extraordinary gains, net | $15,000 | 2,819 |
| Net income | $1,071,000 | 4,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 2,525 |
| Cash dividends | $382,000 | 3,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $965,600 | 4,575 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,265,000 | 5,296 |
| Total interest expense | $2,912,000 | 5,286 |
| Net interest income | $3,353,000 | 5,207 |
| Provision for loan and lease losses | $311,000 | 4,027 |
| Total noninterest income | $422,000 | 6,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 6,863 |
| Total noninterest expense | $2,137,000 | 6,066 |
| Salaries and employee benefits | $1,007,000 | 5,989 |
| Premises and equipment expense | $298,000 | 6,009 |
| Additional noninterest expense | $832,000 | 5,873 |
| Pre-tax net operating income | $1,327,000 | 4,535 |
| Securities gains (losses) | $107,000 | 2,901 |
| Applicable income taxes | $310,000 | 5,797 |
| Income before extraordinary items | $1,124,000 | 4,045 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,124,000 | 4,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 3,059 |
| Cash dividends | $370,000 | 3,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,040,540 | 4,037 |
* 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.