Home > The Farmers National Bank of Cynthiana > Income and Expense
The Farmers National Bank of Cynthiana, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $580,000 | 5,798 |
| Total interest expense | $96,000 | 5,215 |
| Net interest income | $484,000 | 5,835 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $145,000 | 4,245 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $71,000 | 3,434 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $74,000 | 4,206 |
| Total noninterest expense | $706,000 | 4,835 |
| Salaries and employee benefits | $239,000 | 5,727 |
| Premises and equipment expense | $113,000 | 4,039 |
| Additional noninterest expense | $354,000 | 3,810 |
| Pre-tax net operating income | $-77,000 | 6,580 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-77,000 | 6,633 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-77,000 | 6,634 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-77,000 | 6,634 |
| Net charge-offs | $154,000 | 1,558 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-77,000 | 6,596 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,304,000 | 5,289 |
| Total interest expense | $2,802,000 | 1,582 |
| Net interest income | $502,000 | 6,961 |
| Provision for loan and lease losses | $1,490,000 | 1,335 |
| Total noninterest income | $471,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $325,000 | 3,344 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $146,000 | 4,971 |
| Total noninterest expense | $4,008,000 | 4,032 |
| Salaries and employee benefits | $1,162,000 | 5,453 |
| Premises and equipment expense | $414,000 | 4,241 |
| Additional noninterest expense | $2,432,000 | 2,624 |
| Pre-tax net operating income | $-4,525,000 | 6,949 |
| Securities gains (losses) | $754,000 | 682 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-3,771,000 | 6,932 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,771,000 | 6,931 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-3,771,000 | 6,931 |
| Net charge-offs | $1,288,000 | 1,555 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-4,525,000 | 6,943 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,562,000 | 5,307 |
| Total interest expense | $795,000 | 3,601 |
| Net interest income | $1,767,000 | 5,665 |
| Provision for loan and lease losses | $1,490,000 | 1,093 |
| Total noninterest income | $366,000 | 4,583 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $241,000 | 3,397 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $125,000 | 4,841 |
| Total noninterest expense | $3,029,000 | 4,037 |
| Salaries and employee benefits | $810,000 | 5,618 |
| Premises and equipment expense | $304,000 | 4,326 |
| Additional noninterest expense | $1,915,000 | 2,522 |
| Pre-tax net operating income | $-2,386,000 | 7,002 |
| Securities gains (losses) | $-2,000 | 6,774 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-2,388,000 | 7,021 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-2,388,000 | 7,018 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,388,000 | 7,020 |
| Net charge-offs | $1,225,000 | 1,273 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-2,386,000 | 7,008 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,701,000 | 5,360 |
| Total interest expense | $547,000 | 3,627 |
| Net interest income | $1,154,000 | 5,735 |
| Provision for loan and lease losses | $1,370,000 | 860 |
| Total noninterest income | $270,000 | 4,417 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $162,000 | 3,369 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $108,000 | 4,551 |
| Total noninterest expense | $1,991,000 | 4,095 |
| Salaries and employee benefits | $556,000 | 5,613 |
| Premises and equipment expense | $203,000 | 4,336 |
| Additional noninterest expense | $1,232,000 | 2,618 |
| Pre-tax net operating income | $-1,937,000 | 7,087 |
| Securities gains (losses) | $-2,000 | 6,849 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-1,939,000 | 7,105 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,939,000 | 7,104 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,939,000 | 7,105 |
| Net charge-offs | $1,007,000 | 1,134 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-1,937,000 | 7,091 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $884,000 | 5,319 |
| Total interest expense | $280,000 | 3,663 |
| Net interest income | $604,000 | 5,682 |
| Provision for loan and lease losses | $900,000 | 668 |
| Total noninterest income | $109,000 | 4,807 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $84,000 | 3,280 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $25,000 | 5,519 |
| Total noninterest expense | $1,127,000 | 3,800 |
| Salaries and employee benefits | $260,000 | 5,766 |
| Premises and equipment expense | $103,000 | 4,335 |
| Additional noninterest expense | $764,000 | 2,114 |
| Pre-tax net operating income | $-1,314,000 | 7,189 |
| Securities gains (losses) | $-1,000 | 6,909 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-1,315,000 | 7,202 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,315,000 | 7,202 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,315,000 | 7,202 |
| Net charge-offs | $551,000 | 1,028 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-1,314,000 | 7,194 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,190,000 | 5,035 |
| Total interest expense | $1,308,000 | 3,772 |
| Net interest income | $2,882,000 | 5,358 |
| Provision for loan and lease losses | $3,355,000 | 1,084 |
| Total noninterest income | $571,000 | 4,167 |
| Gross Fiduciary activities income | $1,000 | 1,250 |
| Service charges on deposit accounts | $400,000 | 3,023 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $170,000 | 4,666 |
| Total noninterest expense | $3,618,000 | 4,401 |
| Salaries and employee benefits | $1,388,000 | 5,162 |
| Premises and equipment expense | $432,000 | 4,395 |
| Additional noninterest expense | $1,798,000 | 3,407 |
| Pre-tax net operating income | $-3,520,000 | 6,964 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-3,520,000 | 6,993 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,520,000 | 6,994 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,520,000 | 6,994 |
| Net charge-offs | $3,568,000 | 1,068 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,520,000 | 6,969 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,280,000 | 4,975 |
| Total interest expense | $1,013,000 | 3,807 |
| Net interest income | $2,267,000 | 5,287 |
| Provision for loan and lease losses | $1,655,000 | 1,415 |
| Total noninterest income | $480,000 | 3,969 |
| Gross Fiduciary activities income | $1,000 | 1,199 |
| Service charges on deposit accounts | $307,000 | 2,988 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $172,000 | 4,316 |
| Total noninterest expense | $2,666,000 | 4,463 |
| Salaries and employee benefits | $1,009,000 | 5,248 |
| Premises and equipment expense | $345,000 | 4,300 |
| Additional noninterest expense | $1,312,000 | 3,473 |
| Pre-tax net operating income | $-1,574,000 | 6,934 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,574,000 | 6,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,574,000 | 6,997 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,574,000 | 6,997 |
| Net charge-offs | $2,257,000 | 1,127 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,574,000 | 6,973 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,111,000 | 5,113 |
| Total interest expense | $705,000 | 3,792 |
| Net interest income | $1,406,000 | 5,476 |
| Provision for loan and lease losses | $1,510,000 | 1,112 |
| Total noninterest income | $358,000 | 3,783 |
| Gross Fiduciary activities income | $1,000 | 1,171 |
| Service charges on deposit accounts | $200,000 | 3,027 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $157,000 | 3,860 |
| Total noninterest expense | $1,841,000 | 4,389 |
| Salaries and employee benefits | $702,000 | 5,166 |
| Premises and equipment expense | $225,000 | 4,389 |
| Additional noninterest expense | $914,000 | 3,419 |
| Pre-tax net operating income | $-1,587,000 | 7,111 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-1,587,000 | 7,155 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,587,000 | 7,156 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,587,000 | 7,156 |
| Net charge-offs | $2,215,000 | 855 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,587,000 | 7,138 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,048,000 | 5,146 |
| Total interest expense | $366,000 | 3,810 |
| Net interest income | $682,000 | 5,537 |
| Provision for loan and lease losses | $370,000 | 1,728 |
| Total noninterest income | $135,000 | 4,363 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $94,000 | 3,108 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $41,000 | 4,959 |
| Total noninterest expense | $968,000 | 4,266 |
| Salaries and employee benefits | $343,000 | 5,275 |
| Premises and equipment expense | $129,000 | 4,078 |
| Additional noninterest expense | $496,000 | 3,203 |
| Pre-tax net operating income | $-521,000 | 7,095 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-521,000 | 7,137 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-521,000 | 7,138 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-521,000 | 7,138 |
| Net charge-offs | $907,000 | 915 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-521,000 | 7,131 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,350,000 | 4,632 |
| Total interest expense | $2,160,000 | 3,354 |
| Net interest income | $3,190,000 | 5,198 |
| Provision for loan and lease losses | $1,434,000 | 2,519 |
| Total noninterest income | $661,000 | 4,043 |
| Gross Fiduciary activities income | $1,000 | 1,307 |
| Service charges on deposit accounts | $454,000 | 2,832 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $206,000 | 4,550 |
| Total noninterest expense | $3,253,000 | 4,781 |
| Salaries and employee benefits | $1,432,000 | 5,171 |
| Premises and equipment expense | $442,000 | 4,501 |
| Additional noninterest expense | $1,379,000 | 4,232 |
| Pre-tax net operating income | $-836,000 | 6,403 |
| Securities gains (losses) | $44,000 | 2,743 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-792,000 | 6,500 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-792,000 | 6,502 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-792,000 | 6,502 |
| Net charge-offs | $2,938,000 | 1,482 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-836,000 | 6,474 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,044,000 | 4,699 |
| Total interest expense | $1,738,000 | 3,300 |
| Net interest income | $2,306,000 | 5,359 |
| Provision for loan and lease losses | $1,434,000 | 2,046 |
| Total noninterest income | $459,000 | 4,240 |
| Gross Fiduciary activities income | $1,000 | 1,261 |
| Service charges on deposit accounts | $347,000 | 2,850 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $111,000 | 5,071 |
| Total noninterest expense | $2,786,000 | 4,436 |
| Salaries and employee benefits | $1,071,000 | 5,228 |
| Premises and equipment expense | $324,000 | 4,634 |
| Additional noninterest expense | $1,391,000 | 3,433 |
| Pre-tax net operating income | $-1,455,000 | 6,942 |
| Securities gains (losses) | $44,000 | 2,501 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-1,411,000 | 7,025 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,411,000 | 7,024 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,411,000 | 7,025 |
| Net charge-offs | $2,869,000 | 1,180 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,455,000 | 7,006 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,973,000 | 4,470 |
| Total interest expense | $1,271,000 | 3,169 |
| Net interest income | $1,702,000 | 5,090 |
| Provision for loan and lease losses | $1,434,000 | 1,564 |
| Total noninterest income | $265,000 | 4,492 |
| Gross Fiduciary activities income | $1,000 | 1,231 |
| Service charges on deposit accounts | $235,000 | 2,836 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $29,000 | 6,184 |
| Total noninterest expense | $1,796,000 | 4,550 |
| Salaries and employee benefits | $705,000 | 5,292 |
| Premises and equipment expense | $229,000 | 4,513 |
| Additional noninterest expense | $862,000 | 3,602 |
| Pre-tax net operating income | $-1,263,000 | 7,106 |
| Securities gains (losses) | $25,000 | 2,268 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,238,000 | 7,168 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,238,000 | 7,167 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,238,000 | 7,168 |
| Net charge-offs | $2,581,000 | 930 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,263,000 | 7,156 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,537,000 | 4,428 |
| Total interest expense | $660,000 | 3,188 |
| Net interest income | $877,000 | 5,052 |
| Provision for loan and lease losses | $500,000 | 1,815 |
| Total noninterest income | $140,000 | 4,429 |
| Gross Fiduciary activities income | $1,000 | 1,185 |
| Service charges on deposit accounts | $119,000 | 2,802 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $20,000 | 5,932 |
| Total noninterest expense | $986,000 | 4,324 |
| Salaries and employee benefits | $357,000 | 5,290 |
| Premises and equipment expense | $123,000 | 4,408 |
| Additional noninterest expense | $506,000 | 3,154 |
| Pre-tax net operating income | $-469,000 | 7,160 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-469,000 | 7,239 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-469,000 | 7,240 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-469,000 | 7,240 |
| Net charge-offs | $-128,000 | 7,864 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-469,000 | 7,222 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,551,000 | 3,980 |
| Total interest expense | $3,595,000 | 2,980 |
| Net interest income | $3,956,000 | 4,601 |
| Provision for loan and lease losses | $7,661,000 | 1,059 |
| Total noninterest income | $772,000 | 3,839 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $564,000 | 2,647 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $206,000 | 4,586 |
| Total noninterest expense | $4,623,000 | 3,912 |
| Salaries and employee benefits | $1,494,000 | 5,211 |
| Premises and equipment expense | $503,000 | 4,360 |
| Additional noninterest expense | $2,626,000 | 2,629 |
| Pre-tax net operating income | $-7,556,000 | 7,386 |
| Securities gains (losses) | $109,000 | 2,070 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-7,447,000 | 7,459 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-7,447,000 | 7,456 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-7,447,000 | 7,457 |
| Net charge-offs | $3,566,000 | 1,442 |
| Cash dividends | $396,000 | 2,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-7,556,000 | 7,473 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,747,000 | 4,002 |
| Total interest expense | $2,852,000 | 2,971 |
| Net interest income | $2,895,000 | 4,684 |
| Provision for loan and lease losses | $5,155,000 | 1,021 |
| Total noninterest income | $524,000 | 4,136 |
| Gross Fiduciary activities income | $2,000 | 1,265 |
| Service charges on deposit accounts | $433,000 | 2,613 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $89,000 | 5,552 |
| Total noninterest expense | $2,789,000 | 4,563 |
| Salaries and employee benefits | $1,150,000 | 5,178 |
| Premises and equipment expense | $449,000 | 3,918 |
| Additional noninterest expense | $1,190,000 | 3,901 |
| Pre-tax net operating income | $-4,525,000 | 7,465 |
| Securities gains (losses) | $107,000 | 1,779 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-4,418,000 | 7,530 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,418,000 | 7,530 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,418,000 | 7,530 |
| Net charge-offs | $3,022,000 | 1,179 |
| Cash dividends | $396,000 | 2,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,525,000 | 7,543 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 4,134 |
| Total interest expense | $1,985,000 | 2,985 |
| Net interest income | $1,703,000 | 5,044 |
| Provision for loan and lease losses | $5,155,000 | 722 |
| Total noninterest income | $353,000 | 4,104 |
| Gross Fiduciary activities income | $1,000 | 1,272 |
| Service charges on deposit accounts | $311,000 | 2,472 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $41,000 | 6,066 |
| Total noninterest expense | $1,894,000 | 4,539 |
| Salaries and employee benefits | $762,000 | 5,251 |
| Premises and equipment expense | $306,000 | 3,874 |
| Additional noninterest expense | $826,000 | 3,787 |
| Pre-tax net operating income | $-4,993,000 | 7,742 |
| Securities gains (losses) | $101,000 | 1,487 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-4,892,000 | 7,793 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,892,000 | 7,792 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-4,892,000 | 7,792 |
| Net charge-offs | $3,025,000 | 854 |
| Cash dividends | $396,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,993,000 | 7,809 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,991,000 | 3,960 |
| Total interest expense | $1,018,000 | 3,009 |
| Net interest income | $973,000 | 4,650 |
| Provision for loan and lease losses | $90,000 | 4,033 |
| Total noninterest income | $171,000 | 4,120 |
| Gross Fiduciary activities income | $1,000 | 1,214 |
| Service charges on deposit accounts | $142,000 | 2,582 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $28,000 | 5,720 |
| Total noninterest expense | $768,000 | 5,098 |
| Salaries and employee benefits | $365,000 | 5,422 |
| Premises and equipment expense | $159,000 | 3,817 |
| Additional noninterest expense | $244,000 | 5,009 |
| Pre-tax net operating income | $286,000 | 3,404 |
| Securities gains (losses) | $27,000 | 1,565 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $313,000 | 3,045 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $313,000 | 3,046 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $313,000 | 3,046 |
| Net charge-offs | $222,000 | 2,060 |
| Cash dividends | $203,000 | 1,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $286,000 | 3,064 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,573,000 | 3,932 |
| Total interest expense | $4,006,000 | 3,507 |
| Net interest income | $4,567,000 | 4,187 |
| Provision for loan and lease losses | $366,000 | 4,281 |
| Total noninterest income | $809,000 | 3,855 |
| Gross Fiduciary activities income | $2,000 | 1,351 |
| Service charges on deposit accounts | $687,000 | 2,377 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $120,000 | 5,677 |
| Total noninterest expense | $4,011,000 | 4,230 |
| Salaries and employee benefits | $1,427,000 | 5,486 |
| Premises and equipment expense | $707,000 | 3,482 |
| Additional noninterest expense | $1,877,000 | 3,029 |
| Pre-tax net operating income | $999,000 | 3,756 |
| Securities gains (losses) | $155,000 | 850 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $1,154,000 | 3,010 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,154,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 5,088 |
| Cash dividends | $1,008,000 | 2,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $999,000 | 3,441 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,496,000 | 3,975 |
| Total interest expense | $3,044,000 | 3,585 |
| Net interest income | $3,452,000 | 4,196 |
| Provision for loan and lease losses | $274,000 | 3,711 |
| Total noninterest income | $611,000 | 3,922 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $519,000 | 2,380 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $90,000 | 5,787 |
| Total noninterest expense | $2,151,000 | 5,245 |
| Salaries and employee benefits | $964,000 | 5,810 |
| Premises and equipment expense | $467,000 | 3,830 |
| Additional noninterest expense | $720,000 | 4,870 |
| Pre-tax net operating income | $1,638,000 | 2,667 |
| Securities gains (losses) | $112,000 | 894 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,750,000 | 2,015 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,750,000 | 2,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,992 |
| Cash dividends | $1,008,000 | 1,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,638,000 | 2,254 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,314,000 | 4,042 |
| Total interest expense | $2,049,000 | 3,681 |
| Net interest income | $2,265,000 | 4,238 |
| Provision for loan and lease losses | $182,000 | 3,295 |
| Total noninterest income | $407,000 | 3,979 |
| Gross Fiduciary activities income | $1,000 | 1,327 |
| Service charges on deposit accounts | $369,000 | 2,259 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $37,000 | 6,530 |
| Total noninterest expense | $1,435,000 | 5,263 |
| Salaries and employee benefits | $638,000 | 5,878 |
| Premises and equipment expense | $327,000 | 3,706 |
| Additional noninterest expense | $470,000 | 4,930 |
| Pre-tax net operating income | $1,055,000 | 2,839 |
| Securities gains (losses) | $59,000 | 1,324 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,114,000 | 2,356 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,114,000 | 2,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,084 |
| Cash dividends | $719,000 | 1,829 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,055,000 | 2,415 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,188,000 | 4,079 |
| Total interest expense | $1,071,000 | 3,739 |
| Net interest income | $1,117,000 | 4,290 |
| Provision for loan and lease losses | $91,000 | 2,842 |
| Total noninterest income | $196,000 | 4,045 |
| Gross Fiduciary activities income | $1,000 | 1,254 |
| Service charges on deposit accounts | $178,000 | 2,282 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $17,000 | 6,648 |
| Total noninterest expense | $716,000 | 5,297 |
| Salaries and employee benefits | $320,000 | 5,908 |
| Premises and equipment expense | $166,000 | 3,697 |
| Additional noninterest expense | $230,000 | 4,950 |
| Pre-tax net operating income | $506,000 | 3,054 |
| Securities gains (losses) | $39,000 | 1,222 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $545,000 | 2,504 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $545,000 | 2,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,413 |
| Cash dividends | $221,000 | 2,220 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $506,000 | 2,590 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,955,000 | 4,050 |
| Total interest expense | $4,359,000 | 3,798 |
| Net interest income | $4,596,000 | 4,233 |
| Provision for loan and lease losses | $422,000 | 2,611 |
| Total noninterest income | $830,000 | 3,950 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $743,000 | 2,257 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $87,000 | 6,423 |
| Total noninterest expense | $3,005,000 | 5,002 |
| Salaries and employee benefits | $1,457,000 | 5,397 |
| Premises and equipment expense | $642,000 | 3,665 |
| Additional noninterest expense | $906,000 | 4,943 |
| Pre-tax net operating income | $1,999,000 | 3,315 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $23,000 | 5,355 |
| Income before extraordinary items | $1,976,000 | 2,847 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,976,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 2,240 |
| Cash dividends | $1,043,000 | 2,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,976,000 | 2,825 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,627,000 | 4,107 |
| Total interest expense | $3,257,000 | 3,814 |
| Net interest income | $3,370,000 | 4,324 |
| Provision for loan and lease losses | $240,000 | 2,679 |
| Total noninterest income | $620,000 | 3,960 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $561,000 | 2,232 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $59,000 | 6,570 |
| Total noninterest expense | $2,189,000 | 5,065 |
| Salaries and employee benefits | $1,014,000 | 5,601 |
| Premises and equipment expense | $490,000 | 3,602 |
| Additional noninterest expense | $685,000 | 4,859 |
| Pre-tax net operating income | $1,561,000 | 3,383 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $48,000 | 4,974 |
| Income before extraordinary items | $1,513,000 | 2,950 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,513,000 | 2,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,136 |
| Cash dividends | $1,051,000 | 1,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,513,000 | 2,940 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,441,000 | 4,107 |
| Total interest expense | $2,158,000 | 3,826 |
| Net interest income | $2,283,000 | 4,303 |
| Provision for loan and lease losses | $148,000 | 2,691 |
| Total noninterest income | $415,000 | 3,955 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $372,000 | 2,240 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $43,000 | 6,508 |
| Total noninterest expense | $1,461,000 | 5,100 |
| Salaries and employee benefits | $675,000 | 5,673 |
| Premises and equipment expense | $325,000 | 3,644 |
| Additional noninterest expense | $461,000 | 4,839 |
| Pre-tax net operating income | $1,089,000 | 3,341 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $48,000 | 4,796 |
| Income before extraordinary items | $1,041,000 | 2,946 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,041,000 | 2,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $788,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,041,000 | 2,933 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,187,000 | 4,144 |
| Total interest expense | $1,034,000 | 3,928 |
| Net interest income | $1,153,000 | 4,277 |
| Provision for loan and lease losses | $57,000 | 2,953 |
| Total noninterest income | $195,000 | 4,084 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $182,000 | 2,232 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $13,000 | 7,127 |
| Total noninterest expense | $738,000 | 5,067 |
| Salaries and employee benefits | $345,000 | 5,634 |
| Premises and equipment expense | $159,000 | 3,713 |
| Additional noninterest expense | $234,000 | 4,753 |
| Pre-tax net operating income | $553,000 | 3,298 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $553,000 | 2,806 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $553,000 | 2,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,041 |
| Cash dividends | $226,000 | 2,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $553,000 | 2,798 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,802,000 | 4,264 |
| Total interest expense | $3,414,000 | 3,986 |
| Net interest income | $4,388,000 | 4,408 |
| Provision for loan and lease losses | $397,000 | 2,293 |
| Total noninterest income | $886,000 | 3,811 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $734,000 | 2,281 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $152,000 | 5,590 |
| Total noninterest expense | $2,968,000 | 4,933 |
| Salaries and employee benefits | $1,460,000 | 5,293 |
| Premises and equipment expense | $628,000 | 3,633 |
| Additional noninterest expense | $880,000 | 4,933 |
| Pre-tax net operating income | $1,909,000 | 3,743 |
| Securities gains (losses) | $166,000 | 427 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,075,000 | 3,020 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,075,000 | 3,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,722 |
| Cash dividends | $837,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,909,000 | 3,186 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,616,000 | 4,362 |
| Total interest expense | $2,408,000 | 4,059 |
| Net interest income | $3,208,000 | 4,508 |
| Provision for loan and lease losses | $351,000 | 1,897 |
| Total noninterest income | $588,000 | 4,109 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $549,000 | 2,284 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $39,000 | 7,234 |
| Total noninterest expense | $2,120,000 | 5,069 |
| Salaries and employee benefits | $1,005,000 | 5,539 |
| Premises and equipment expense | $495,000 | 3,497 |
| Additional noninterest expense | $620,000 | 5,115 |
| Pre-tax net operating income | $1,325,000 | 4,062 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,325,000 | 3,493 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,325,000 | 3,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,127 |
| Cash dividends | $837,000 | 2,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,325,000 | 3,475 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,634,000 | 4,393 |
| Total interest expense | $1,488,000 | 4,137 |
| Net interest income | $2,146,000 | 4,510 |
| Provision for loan and lease losses | $91,000 | 3,450 |
| Total noninterest income | $374,000 | 4,202 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $343,000 | 2,396 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,060 |
| Total noninterest expense | $1,413,000 | 5,085 |
| Salaries and employee benefits | $652,000 | 5,645 |
| Premises and equipment expense | $338,000 | 3,421 |
| Additional noninterest expense | $423,000 | 5,017 |
| Pre-tax net operating income | $1,016,000 | 3,763 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,016,000 | 3,173 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,016,000 | 3,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 1,530 |
| Cash dividends | $604,000 | 2,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,016,000 | 3,164 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,762,000 | 4,434 |
| Total interest expense | $704,000 | 4,165 |
| Net interest income | $1,058,000 | 4,552 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $175,000 | 4,277 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $164,000 | 2,406 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,462 |
| Total noninterest expense | $690,000 | 5,176 |
| Salaries and employee benefits | $322,000 | 5,713 |
| Premises and equipment expense | $169,000 | 3,439 |
| Additional noninterest expense | $199,000 | 5,188 |
| Pre-tax net operating income | $498,000 | 3,739 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $498,000 | 3,168 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $498,000 | 3,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,335 |
| Cash dividends | $218,000 | 2,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $498,000 | 3,147 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,104,000 | 4,555 |
| Total interest expense | $2,232,000 | 4,120 |
| Net interest income | $3,872,000 | 4,722 |
| Provision for loan and lease losses | $284,000 | 2,953 |
| Total noninterest income | $861,000 | 3,884 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $775,000 | 2,160 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $85,000 | 6,655 |
| Total noninterest expense | $2,627,000 | 5,210 |
| Salaries and employee benefits | $1,231,000 | 5,713 |
| Premises and equipment expense | $644,000 | 3,447 |
| Additional noninterest expense | $752,000 | 5,369 |
| Pre-tax net operating income | $1,822,000 | 3,922 |
| Securities gains (losses) | $170,000 | 549 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,992,000 | 3,106 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,992,000 | 3,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,729 |
| Cash dividends | $1,004,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,822,000 | 3,293 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,415,000 | 4,624 |
| Total interest expense | $1,552,000 | 4,192 |
| Net interest income | $2,863,000 | 4,778 |
| Provision for loan and lease losses | $238,000 | 2,627 |
| Total noninterest income | $627,000 | 3,966 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $581,000 | 2,163 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $45,000 | 7,190 |
| Total noninterest expense | $1,853,000 | 5,389 |
| Salaries and employee benefits | $846,000 | 5,939 |
| Premises and equipment expense | $413,000 | 3,881 |
| Additional noninterest expense | $594,000 | 5,154 |
| Pre-tax net operating income | $1,399,000 | 3,941 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,399,000 | 3,307 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,399,000 | 3,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,181 |
| Cash dividends | $1,004,000 | 1,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,399,000 | 3,267 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,812,000 | 4,699 |
| Total interest expense | $955,000 | 4,264 |
| Net interest income | $1,857,000 | 4,848 |
| Provision for loan and lease losses | $177,000 | 2,393 |
| Total noninterest income | $425,000 | 3,905 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $394,000 | 2,094 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $30,000 | 7,186 |
| Total noninterest expense | $1,216,000 | 5,429 |
| Salaries and employee benefits | $552,000 | 6,029 |
| Premises and equipment expense | $282,000 | 3,796 |
| Additional noninterest expense | $382,000 | 5,251 |
| Pre-tax net operating income | $889,000 | 4,023 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $889,000 | 3,388 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $889,000 | 3,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 1,979 |
| Cash dividends | $833,000 | 1,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $889,000 | 3,337 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,366,000 | 4,773 |
| Total interest expense | $473,000 | 4,184 |
| Net interest income | $893,000 | 4,990 |
| Provision for loan and lease losses | $38,000 | 3,670 |
| Total noninterest income | $193,000 | 4,061 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $179,000 | 2,210 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,447 |
| Total noninterest expense | $623,000 | 5,395 |
| Salaries and employee benefits | $274,000 | 6,088 |
| Premises and equipment expense | $146,000 | 3,725 |
| Additional noninterest expense | $203,000 | 5,013 |
| Pre-tax net operating income | $425,000 | 4,107 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $425,000 | 3,470 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $425,000 | 3,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $40,000 | 3,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $425,000 | 3,433 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,821,000 | 4,352 |
| Total interest expense | $1,725,000 | 4,091 |
| Net interest income | $4,096,000 | 4,409 |
| Provision for loan and lease losses | $189,000 | 3,809 |
| Total noninterest income | $739,000 | 4,264 |
| Gross Fiduciary activities income | $2,000 | 1,487 |
| Service charges on deposit accounts | $663,000 | 2,498 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $74,000 | 6,906 |
| Total noninterest expense | $2,453,000 | 5,370 |
| Salaries and employee benefits | $1,260,000 | 5,542 |
| Premises and equipment expense | $466,000 | 4,304 |
| Additional noninterest expense | $727,000 | 5,394 |
| Pre-tax net operating income | $2,193,000 | 3,301 |
| Securities gains (losses) | $194,000 | 846 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $2,387,000 | 2,525 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,387,000 | 2,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,719 |
| Cash dividends | $450,000 | 3,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,193,000 | 2,652 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,404,000 | 4,305 |
| Total interest expense | $1,258,000 | 4,131 |
| Net interest income | $3,146,000 | 4,329 |
| Provision for loan and lease losses | $170,000 | 3,327 |
| Total noninterest income | $526,000 | 4,390 |
| Gross Fiduciary activities income | $2,000 | 1,430 |
| Service charges on deposit accounts | $459,000 | 2,679 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $65,000 | 6,663 |
| Total noninterest expense | $1,706,000 | 5,574 |
| Salaries and employee benefits | $884,000 | 5,709 |
| Premises and equipment expense | $316,000 | 4,606 |
| Additional noninterest expense | $506,000 | 5,601 |
| Pre-tax net operating income | $1,796,000 | 3,158 |
| Securities gains (losses) | $55,000 | 1,589 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,851,000 | 2,496 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,851,000 | 2,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,016 |
| Cash dividends | $450,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,796,000 | 2,490 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,948,000 | 4,306 |
| Total interest expense | $845,000 | 4,115 |
| Net interest income | $2,103,000 | 4,327 |
| Provision for loan and lease losses | $75,000 | 3,988 |
| Total noninterest income | $337,000 | 4,510 |
| Gross Fiduciary activities income | $1,000 | 1,443 |
| Service charges on deposit accounts | $280,000 | 2,866 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $56,000 | 6,240 |
| Total noninterest expense | $1,131,000 | 5,627 |
| Salaries and employee benefits | $588,000 | 5,760 |
| Premises and equipment expense | $213,000 | 4,576 |
| Additional noninterest expense | $330,000 | 5,690 |
| Pre-tax net operating income | $1,234,000 | 3,049 |
| Securities gains (losses) | $55,000 | 1,393 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,289,000 | 2,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,289,000 | 2,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,035 |
| Cash dividends | $290,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,234,000 | 2,399 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 4,315 |
| Total interest expense | $420,000 | 4,181 |
| Net interest income | $1,056,000 | 4,317 |
| Provision for loan and lease losses | $57,000 | 3,144 |
| Total noninterest income | $170,000 | 4,459 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $124,000 | 3,080 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $553,000 | 5,705 |
| Salaries and employee benefits | $295,000 | 5,784 |
| Premises and equipment expense | $102,000 | 4,723 |
| Additional noninterest expense | $156,000 | 5,881 |
| Pre-tax net operating income | $616,000 | 3,016 |
| Securities gains (losses) | $65,000 | 1,051 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $681,000 | 2,230 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $681,000 | 2,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $616,000 | 2,354 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,649,000 | 4,475 |
| Total interest expense | $1,831,000 | 4,293 |
| Net interest income | $3,818,000 | 4,510 |
| Provision for loan and lease losses | $294,000 | 3,244 |
| Total noninterest income | $443,000 | 5,729 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $399,000 | 3,657 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $40,000 | 7,815 |
| Total noninterest expense | $2,206,000 | 5,666 |
| Salaries and employee benefits | $1,205,000 | 5,626 |
| Premises and equipment expense | $414,000 | 4,625 |
| Additional noninterest expense | $587,000 | 6,055 |
| Pre-tax net operating income | $1,761,000 | 3,691 |
| Securities gains (losses) | $280,000 | 1,097 |
| Applicable income taxes | $346,000 | 4,058 |
| Income before extraordinary items | $1,695,000 | 3,242 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,695,000 | 3,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,736 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,462,600 | 3,465 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,191,000 | 4,576 |
| Total interest expense | $1,393,000 | 4,380 |
| Net interest income | $2,798,000 | 4,606 |
| Provision for loan and lease losses | $248,000 | 2,877 |
| Total noninterest income | $323,000 | 5,864 |
| Gross Fiduciary activities income | $4,000 | 1,409 |
| Service charges on deposit accounts | $294,000 | 3,696 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $25,000 | 8,058 |
| Total noninterest expense | $1,572,000 | 5,821 |
| Salaries and employee benefits | $828,000 | 5,901 |
| Premises and equipment expense | $302,000 | 4,698 |
| Additional noninterest expense | $442,000 | 6,039 |
| Pre-tax net operating income | $1,301,000 | 3,844 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $229,000 | 4,438 |
| Income before extraordinary items | $1,077,000 | 3,805 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,077,000 | 3,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,091 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,072,900 | 3,649 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,788,000 | 4,620 |
| Total interest expense | $957,000 | 4,391 |
| Net interest income | $1,831,000 | 4,655 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $209,000 | 5,896 |
| Gross Fiduciary activities income | $1,000 | 1,488 |
| Service charges on deposit accounts | $192,000 | 3,719 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $16,000 | 8,080 |
| Total noninterest expense | $1,030,000 | 5,898 |
| Salaries and employee benefits | $548,000 | 5,931 |
| Premises and equipment expense | $205,000 | 4,630 |
| Additional noninterest expense | $277,000 | 6,223 |
| Pre-tax net operating income | $1,010,000 | 3,500 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $202,000 | 3,952 |
| Income before extraordinary items | $809,000 | 3,488 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $809,000 | 3,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $808,200 | 3,297 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,403,000 | 4,619 |
| Total interest expense | $484,000 | 4,439 |
| Net interest income | $919,000 | 4,644 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $103,000 | 5,849 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $91,000 | 3,771 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $510,000 | 5,940 |
| Salaries and employee benefits | $270,000 | 5,979 |
| Premises and equipment expense | $98,000 | 4,773 |
| Additional noninterest expense | $142,000 | 6,123 |
| Pre-tax net operating income | $512,000 | 3,434 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $96,000 | 4,015 |
| Income before extraordinary items | $416,000 | 3,372 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $416,000 | 3,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $416,000 | 3,204 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,988,000 | 4,569 |
| Total interest expense | $2,412,000 | 4,222 |
| Net interest income | $3,576,000 | 4,699 |
| Provision for loan and lease losses | $124,000 | 5,290 |
| Total noninterest income | $518,000 | 5,116 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $406,000 | 3,505 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $107,000 | 6,305 |
| Total noninterest expense | $2,061,000 | 5,784 |
| Salaries and employee benefits | $1,138,000 | 5,676 |
| Premises and equipment expense | $350,000 | 5,091 |
| Additional noninterest expense | $573,000 | 6,092 |
| Pre-tax net operating income | $1,909,000 | 3,539 |
| Securities gains (losses) | $110,000 | 1,644 |
| Applicable income taxes | $458,000 | 3,627 |
| Income before extraordinary items | $1,561,000 | 3,400 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,561,000 | 3,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 4,036 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,476,300 | 3,437 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,580,000 | 4,632 |
| Total interest expense | $3,145,000 | 4,557 |
| Net interest income | $3,435,000 | 4,622 |
| Provision for loan and lease losses | $288,000 | 3,315 |
| Total noninterest income | $588,000 | 4,633 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $440,000 | 3,156 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $148,000 | 5,569 |
| Total noninterest expense | $2,110,000 | 5,542 |
| Salaries and employee benefits | $1,167,000 | 5,430 |
| Premises and equipment expense | $356,000 | 4,968 |
| Additional noninterest expense | $587,000 | 5,917 |
| Pre-tax net operating income | $1,625,000 | 3,670 |
| Securities gains (losses) | $42,000 | 2,526 |
| Applicable income taxes | $379,000 | 3,838 |
| Income before extraordinary items | $1,288,000 | 3,606 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,288,000 | 3,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,853 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,255,660 | 3,577 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,488,000 | 4,841 |
| Total interest expense | $3,254,000 | 4,635 |
| Net interest income | $3,234,000 | 4,886 |
| Provision for loan and lease losses | $145,000 | 4,470 |
| Total noninterest income | $594,000 | 4,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $325,000 | 3,813 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $269,000 | 4,156 |
| Total noninterest expense | $2,106,000 | 5,493 |
| Salaries and employee benefits | $1,176,000 | 5,304 |
| Premises and equipment expense | $329,000 | 5,144 |
| Additional noninterest expense | $601,000 | 5,786 |
| Pre-tax net operating income | $1,577,000 | 3,930 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $362,000 | 4,204 |
| Income before extraordinary items | $1,215,000 | 3,828 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,215,000 | 3,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,889 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,215,000 | 3,811 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,949,000 | 4,977 |
| Total interest expense | $2,863,000 | 4,762 |
| Net interest income | $3,086,000 | 5,039 |
| Provision for loan and lease losses | $41,000 | 6,835 |
| Total noninterest income | $507,000 | 4,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 3,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,886 |
| Total noninterest expense | $2,020,000 | 5,649 |
| Salaries and employee benefits | $1,094,000 | 5,525 |
| Premises and equipment expense | $330,000 | 5,167 |
| Additional noninterest expense | $596,000 | 5,845 |
| Pre-tax net operating income | $1,532,000 | 4,035 |
| Securities gains (losses) | $89,000 | 780 |
| Applicable income taxes | $350,000 | 4,472 |
| Income before extraordinary items | $1,271,000 | 3,689 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,271,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,527 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,201,580 | 3,846 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,821,000 | 5,117 |
| Total interest expense | $2,845,000 | 4,907 |
| Net interest income | $2,976,000 | 5,158 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $452,000 | 5,233 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,567 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,362 |
| Total noninterest expense | $1,949,000 | 5,693 |
| Salaries and employee benefits | $1,029,000 | 5,667 |
| Premises and equipment expense | $352,000 | 4,862 |
| Additional noninterest expense | $568,000 | 5,960 |
| Pre-tax net operating income | $1,479,000 | 4,224 |
| Securities gains (losses) | $78,000 | 1,438 |
| Applicable income taxes | $365,000 | 4,668 |
| Income before extraordinary items | $1,192,000 | 3,951 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,192,000 | 3,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,545 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,131,940 | 4,015 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,692,000 | 5,270 |
| Total interest expense | $2,665,000 | 5,154 |
| Net interest income | $3,027,000 | 5,269 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $452,000 | 5,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 3,910 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 5,951 |
| Total noninterest expense | $1,927,000 | 5,796 |
| Salaries and employee benefits | $1,022,000 | 5,772 |
| Premises and equipment expense | $314,000 | 5,292 |
| Additional noninterest expense | $591,000 | 5,864 |
| Pre-tax net operating income | $1,552,000 | 4,367 |
| Securities gains (losses) | $-37,000 | 10,570 |
| Applicable income taxes | $377,000 | 5,071 |
| Income before extraordinary items | $1,138,000 | 4,243 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,138,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,160 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,165,750 | 4,097 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,445,000 | 5,570 |
| Total interest expense | $2,546,000 | 5,435 |
| Net interest income | $2,899,000 | 5,583 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $469,000 | 5,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,295 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,526 |
| Total noninterest expense | $2,056,000 | 5,833 |
| Salaries and employee benefits | $993,000 | 6,020 |
| Premises and equipment expense | $417,000 | 4,389 |
| Additional noninterest expense | $646,000 | 6,058 |
| Pre-tax net operating income | $1,312,000 | 4,804 |
| Securities gains (losses) | $42,000 | 1,458 |
| Applicable income taxes | $382,000 | 5,043 |
| Income before extraordinary items | $972,000 | 4,610 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $972,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,811 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $941,760 | 4,671 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,310,000 | 5,733 |
| Total interest expense | $2,361,000 | 5,790 |
| Net interest income | $2,949,000 | 5,574 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $455,000 | 5,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 5,250 |
| Total noninterest expense | $2,006,000 | 5,967 |
| Salaries and employee benefits | $961,000 | 6,241 |
| Premises and equipment expense | $389,000 | 4,649 |
| Additional noninterest expense | $656,000 | 6,154 |
| Pre-tax net operating income | $1,398,000 | 4,699 |
| Securities gains (losses) | $18,000 | 1,987 |
| Applicable income taxes | $416,000 | 4,815 |
| Income before extraordinary items | $1,000,000 | 4,633 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,000,000 | 4,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $987,220 | 4,641 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,899,000 | 5,756 |
| Total interest expense | $1,956,000 | 5,708 |
| Net interest income | $2,943,000 | 5,687 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $360,000 | 6,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,324 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,726 |
| Total noninterest expense | $2,158,000 | 5,847 |
| Salaries and employee benefits | $962,000 | 6,286 |
| Premises and equipment expense | $437,000 | 4,265 |
| Additional noninterest expense | $759,000 | 5,945 |
| Pre-tax net operating income | $1,055,000 | 5,734 |
| Securities gains (losses) | $73,000 | 936 |
| Applicable income taxes | $317,000 | 5,675 |
| Income before extraordinary items | $811,000 | 5,315 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $811,000 | 5,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $758,440 | 5,641 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,046,000 | 5,735 |
| Total interest expense | $2,109,000 | 5,585 |
| Net interest income | $2,937,000 | 5,751 |
| Provision for loan and lease losses | $427,000 | 2,346 |
| Total noninterest income | $449,000 | 6,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 5,355 |
| Total noninterest expense | $2,198,000 | 5,868 |
| Salaries and employee benefits | $959,000 | 6,364 |
| Premises and equipment expense | $375,000 | 4,965 |
| Additional noninterest expense | $864,000 | 5,560 |
| Pre-tax net operating income | $761,000 | 7,023 |
| Securities gains (losses) | $77,000 | 2,843 |
| Applicable income taxes | $89,000 | 10,008 |
| Income before extraordinary items | $749,000 | 5,830 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $749,000 | 5,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 2,316 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $680,470 | 5,987 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,782,000 | 5,664 |
| Total interest expense | $2,892,000 | 5,311 |
| Net interest income | $2,890,000 | 5,893 |
| Provision for loan and lease losses | $1,103,000 | 1,723 |
| Total noninterest income | $352,000 | 7,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 6,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 6,548 |
| Total noninterest expense | $2,135,000 | 6,075 |
| Salaries and employee benefits | $903,000 | 6,604 |
| Premises and equipment expense | $427,000 | 4,551 |
| Additional noninterest expense | $805,000 | 6,046 |
| Pre-tax net operating income | $4,000 | 12,673 |
| Securities gains (losses) | $32,000 | 4,877 |
| Applicable income taxes | $-367,000 | 13,725 |
| Income before extraordinary items | $403,000 | 8,184 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $403,000 | 8,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,006,000 | 960 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $371,000 | 8,139 |
* 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.