Home > The First Bremen Bank > Income and Expense
The First Bremen Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $20,565,000 | 1,861 |
| Total interest expense | $8,620,000 | 1,847 |
| Net interest income | $11,945,000 | 1,868 |
| Provision for loan and lease losses | $1,110,000 | 2,553 |
| Total noninterest income | $1,651,000 | 2,458 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,569,000 | 1,147 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $82,000 | 6,190 |
| Total noninterest expense | $8,034,000 | 2,366 |
| Salaries and employee benefits | $3,687,000 | 2,694 |
| Premises and equipment expense | $767,000 | 3,283 |
| Additional noninterest expense | $3,580,000 | 1,712 |
| Pre-tax net operating income | $4,452,000 | 1,226 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,290,000 | 975 |
| Income before extraordinary items | $3,162,000 | 1,289 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,162,000 | 1,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,004,000 | 1,956 |
| Cash dividends | $1,600,000 | 1,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,162,000 | 1,389 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $15,516,000 | 1,892 |
| Total interest expense | $6,620,000 | 1,868 |
| Net interest income | $8,896,000 | 1,905 |
| Provision for loan and lease losses | $835,000 | 2,038 |
| Total noninterest income | $1,360,000 | 2,366 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,180,000 | 1,152 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $180,000 | 4,640 |
| Total noninterest expense | $5,953,000 | 2,387 |
| Salaries and employee benefits | $2,788,000 | 2,702 |
| Premises and equipment expense | $573,000 | 3,303 |
| Additional noninterest expense | $2,592,000 | 1,718 |
| Pre-tax net operating income | $3,468,000 | 1,416 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,017,000 | 1,137 |
| Income before extraordinary items | $2,451,000 | 1,488 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,451,000 | 1,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $832,000 | 1,457 |
| Cash dividends | $1,200,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,451,000 | 1,562 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,400,000 | 1,908 |
| Total interest expense | $4,598,000 | 1,874 |
| Net interest income | $5,802,000 | 1,933 |
| Provision for loan and lease losses | $535,000 | 1,844 |
| Total noninterest income | $899,000 | 2,418 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $759,000 | 1,176 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $140,000 | 4,423 |
| Total noninterest expense | $3,978,000 | 2,386 |
| Salaries and employee benefits | $1,860,000 | 2,733 |
| Premises and equipment expense | $378,000 | 3,358 |
| Additional noninterest expense | $1,740,000 | 1,692 |
| Pre-tax net operating income | $2,188,000 | 1,558 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $640,000 | 1,323 |
| Income before extraordinary items | $1,548,000 | 1,748 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,548,000 | 1,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $379,000 | 1,562 |
| Cash dividends | $800,000 | 1,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,548,000 | 1,717 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,269,000 | 1,932 |
| Total interest expense | $2,471,000 | 1,881 |
| Net interest income | $2,798,000 | 1,987 |
| Provision for loan and lease losses | $245,000 | 1,612 |
| Total noninterest income | $454,000 | 2,378 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $367,000 | 1,200 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $87,000 | 4,033 |
| Total noninterest expense | $1,984,000 | 2,384 |
| Salaries and employee benefits | $927,000 | 2,754 |
| Premises and equipment expense | $196,000 | 3,298 |
| Additional noninterest expense | $861,000 | 1,664 |
| Pre-tax net operating income | $1,023,000 | 1,749 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $303,000 | 1,465 |
| Income before extraordinary items | $720,000 | 1,984 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $720,000 | 1,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 1,230 |
| Cash dividends | $400,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $720,000 | 1,922 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $21,074,000 | 1,997 |
| Total interest expense | $10,316,000 | 1,908 |
| Net interest income | $10,758,000 | 2,097 |
| Provision for loan and lease losses | $531,000 | 2,243 |
| Total noninterest income | $1,625,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,475,000 | 1,205 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $150,000 | 5,575 |
| Total noninterest expense | $7,739,000 | 2,359 |
| Salaries and employee benefits | $3,553,000 | 2,765 |
| Premises and equipment expense | $741,000 | 3,283 |
| Additional noninterest expense | $3,445,000 | 1,607 |
| Pre-tax net operating income | $4,113,000 | 1,940 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,269,000 | 1,590 |
| Income before extraordinary items | $2,844,000 | 2,125 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,844,000 | 2,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 1,503 |
| Cash dividends | $1,200,000 | 2,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,844,000 | 2,110 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,674,000 | 2,022 |
| Total interest expense | $7,725,000 | 1,914 |
| Net interest income | $7,949,000 | 2,145 |
| Provision for loan and lease losses | $330,000 | 2,168 |
| Total noninterest income | $1,194,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,086,000 | 1,211 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $108,000 | 5,669 |
| Total noninterest expense | $5,758,000 | 2,360 |
| Salaries and employee benefits | $2,599,000 | 2,815 |
| Premises and equipment expense | $562,000 | 3,239 |
| Additional noninterest expense | $2,597,000 | 1,554 |
| Pre-tax net operating income | $3,055,000 | 2,070 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $956,000 | 1,703 |
| Income before extraordinary items | $2,099,000 | 2,289 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,099,000 | 2,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,343 |
| Cash dividends | $900,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,099,000 | 2,267 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,312,000 | 2,058 |
| Total interest expense | $5,086,000 | 1,936 |
| Net interest income | $5,226,000 | 2,202 |
| Provision for loan and lease losses | $211,000 | 2,070 |
| Total noninterest income | $765,000 | 2,672 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $709,000 | 1,243 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $56,000 | 6,100 |
| Total noninterest expense | $3,819,000 | 2,384 |
| Salaries and employee benefits | $1,733,000 | 2,858 |
| Premises and equipment expense | $355,000 | 3,398 |
| Additional noninterest expense | $1,731,000 | 1,561 |
| Pre-tax net operating income | $1,961,000 | 2,201 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $612,000 | 1,821 |
| Income before extraordinary items | $1,349,000 | 2,401 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,349,000 | 2,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 1,237 |
| Cash dividends | $600,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,349,000 | 2,385 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,036,000 | 2,095 |
| Total interest expense | $2,545,000 | 1,919 |
| Net interest income | $2,491,000 | 2,303 |
| Provision for loan and lease losses | $107,000 | 1,919 |
| Total noninterest income | $361,000 | 2,757 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $347,000 | 1,245 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $1,901,000 | 2,403 |
| Salaries and employee benefits | $880,000 | 2,839 |
| Premises and equipment expense | $163,000 | 3,650 |
| Additional noninterest expense | $858,000 | 1,554 |
| Pre-tax net operating income | $844,000 | 2,474 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $258,000 | 2,045 |
| Income before extraordinary items | $586,000 | 2,680 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $586,000 | 2,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,058 |
| Cash dividends | $300,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $586,000 | 2,667 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,673,000 | 2,012 |
| Total interest expense | $9,625,000 | 1,744 |
| Net interest income | $10,048,000 | 2,280 |
| Provision for loan and lease losses | $345,000 | 2,546 |
| Total noninterest income | $1,568,000 | 2,625 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,394,000 | 1,274 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $174,000 | 5,362 |
| Total noninterest expense | $7,281,000 | 2,430 |
| Salaries and employee benefits | $3,359,000 | 2,833 |
| Premises and equipment expense | $587,000 | 3,833 |
| Additional noninterest expense | $3,335,000 | 1,580 |
| Pre-tax net operating income | $3,990,000 | 2,266 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $1,262,000 | 1,899 |
| Income before extraordinary items | $2,727,000 | 2,437 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,727,000 | 2,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,456 |
| Cash dividends | $1,200,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,727,680 | 2,421 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,527,000 | 2,027 |
| Total interest expense | $7,073,000 | 1,728 |
| Net interest income | $7,454,000 | 2,322 |
| Provision for loan and lease losses | $160,000 | 3,290 |
| Total noninterest income | $1,168,000 | 2,639 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,033,000 | 1,294 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $135,000 | 5,319 |
| Total noninterest expense | $5,433,000 | 2,430 |
| Salaries and employee benefits | $2,509,000 | 2,842 |
| Premises and equipment expense | $432,000 | 3,891 |
| Additional noninterest expense | $2,492,000 | 1,575 |
| Pre-tax net operating income | $3,029,000 | 2,310 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $963,000 | 1,932 |
| Income before extraordinary items | $2,066,000 | 2,496 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,066,000 | 2,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 1,417 |
| Cash dividends | $900,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,066,000 | 2,486 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,579,000 | 2,013 |
| Total interest expense | $4,601,000 | 1,685 |
| Net interest income | $4,978,000 | 2,334 |
| Provision for loan and lease losses | $145,000 | 2,719 |
| Total noninterest income | $755,000 | 2,699 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $664,000 | 1,335 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 5,325 |
| Total noninterest expense | $3,643,000 | 2,430 |
| Salaries and employee benefits | $1,676,000 | 2,828 |
| Premises and equipment expense | $295,000 | 3,818 |
| Additional noninterest expense | $1,672,000 | 1,576 |
| Pre-tax net operating income | $1,945,000 | 2,363 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $621,000 | 2,006 |
| Income before extraordinary items | $1,324,000 | 2,585 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,324,000 | 2,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 1,043 |
| Cash dividends | $600,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,324,000 | 2,566 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,659,000 | 2,028 |
| Total interest expense | $2,192,000 | 1,683 |
| Net interest income | $2,467,000 | 2,354 |
| Provision for loan and lease losses | $113,000 | 1,842 |
| Total noninterest income | $353,000 | 2,765 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $308,000 | 1,396 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,314 |
| Total noninterest expense | $1,771,000 | 2,500 |
| Salaries and employee benefits | $825,000 | 2,890 |
| Premises and equipment expense | $151,000 | 3,771 |
| Additional noninterest expense | $795,000 | 1,644 |
| Pre-tax net operating income | $936,000 | 2,395 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $297,000 | 2,041 |
| Income before extraordinary items | $639,000 | 2,619 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $639,000 | 2,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 752 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $639,000 | 2,598 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,689,000 | 1,898 |
| Total interest expense | $6,893,000 | 1,655 |
| Net interest income | $10,796,000 | 2,058 |
| Provision for loan and lease losses | $545,000 | 1,771 |
| Total noninterest income | $1,128,000 | 3,271 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,010,000 | 1,717 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $118,000 | 6,141 |
| Total noninterest expense | $6,924,000 | 2,412 |
| Salaries and employee benefits | $3,168,000 | 2,830 |
| Premises and equipment expense | $567,000 | 3,829 |
| Additional noninterest expense | $3,189,000 | 1,599 |
| Pre-tax net operating income | $4,455,000 | 2,044 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,429,000 | 1,768 |
| Income before extraordinary items | $3,026,000 | 2,228 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,026,000 | 2,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,295 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,026,000 | 2,192 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,911,000 | 1,901 |
| Total interest expense | $4,877,000 | 1,657 |
| Net interest income | $8,034,000 | 2,059 |
| Provision for loan and lease losses | $425,000 | 1,625 |
| Total noninterest income | $815,000 | 3,361 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $733,000 | 1,755 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $82,000 | 6,270 |
| Total noninterest expense | $5,205,000 | 2,383 |
| Salaries and employee benefits | $2,389,000 | 2,778 |
| Premises and equipment expense | $432,000 | 3,753 |
| Additional noninterest expense | $2,384,000 | 1,579 |
| Pre-tax net operating income | $3,219,000 | 2,116 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,022,000 | 1,846 |
| Income before extraordinary items | $2,197,000 | 2,316 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,197,000 | 2,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 1,085 |
| Cash dividends | $800,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,197,000 | 2,276 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,301,000 | 1,915 |
| Total interest expense | $3,002,000 | 1,682 |
| Net interest income | $5,299,000 | 2,055 |
| Provision for loan and lease losses | $300,000 | 1,505 |
| Total noninterest income | $507,000 | 3,482 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $478,000 | 1,749 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $29,000 | 7,234 |
| Total noninterest expense | $3,501,000 | 2,355 |
| Salaries and employee benefits | $1,599,000 | 2,762 |
| Premises and equipment expense | $294,000 | 3,687 |
| Additional noninterest expense | $1,608,000 | 1,545 |
| Pre-tax net operating income | $2,005,000 | 2,185 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $635,000 | 1,915 |
| Income before extraordinary items | $1,370,000 | 2,373 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,370,000 | 2,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 1,083 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,370,000 | 2,348 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,931,000 | 1,980 |
| Total interest expense | $1,343,000 | 1,778 |
| Net interest income | $2,588,000 | 2,089 |
| Provision for loan and lease losses | $160,000 | 1,329 |
| Total noninterest income | $276,000 | 3,240 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $228,000 | 1,777 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,277 |
| Total noninterest expense | $1,769,000 | 2,338 |
| Salaries and employee benefits | $818,000 | 2,728 |
| Premises and equipment expense | $151,000 | 3,632 |
| Additional noninterest expense | $800,000 | 1,552 |
| Pre-tax net operating income | $935,000 | 2,290 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $297,000 | 1,990 |
| Income before extraordinary items | $638,000 | 2,479 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $638,000 | 2,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 943 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $638,000 | 2,441 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,916,000 | 1,802 |
| Total interest expense | $4,786,000 | 1,711 |
| Net interest income | $11,130,000 | 1,816 |
| Provision for loan and lease losses | $675,000 | 1,497 |
| Total noninterest income | $1,052,000 | 3,420 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $922,000 | 1,899 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $130,000 | 5,966 |
| Total noninterest expense | $7,018,000 | 2,281 |
| Salaries and employee benefits | $3,238,000 | 2,656 |
| Premises and equipment expense | $644,000 | 3,343 |
| Additional noninterest expense | $3,136,000 | 1,565 |
| Pre-tax net operating income | $4,489,000 | 1,861 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $1,416,000 | 1,674 |
| Income before extraordinary items | $3,075,000 | 2,032 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,075,000 | 2,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $538,000 | 1,264 |
| Cash dividends | $700,000 | 2,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,073,640 | 1,986 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,848,000 | 1,789 |
| Total interest expense | $3,521,000 | 1,716 |
| Net interest income | $8,327,000 | 1,805 |
| Provision for loan and lease losses | $495,000 | 1,468 |
| Total noninterest income | $762,000 | 3,526 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $683,000 | 1,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $79,000 | 6,329 |
| Total noninterest expense | $5,292,000 | 2,240 |
| Salaries and employee benefits | $2,434,000 | 2,627 |
| Premises and equipment expense | $498,000 | 3,262 |
| Additional noninterest expense | $2,360,000 | 1,542 |
| Pre-tax net operating income | $3,302,000 | 1,896 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $1,038,000 | 1,720 |
| Income before extraordinary items | $2,266,000 | 2,071 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,266,000 | 2,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $418,000 | 1,126 |
| Cash dividends | $450,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,264,620 | 2,017 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,807,000 | 1,798 |
| Total interest expense | $2,338,000 | 1,705 |
| Net interest income | $5,469,000 | 1,823 |
| Provision for loan and lease losses | $320,000 | 1,458 |
| Total noninterest income | $510,000 | 3,527 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $441,000 | 1,958 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $69,000 | 5,871 |
| Total noninterest expense | $3,529,000 | 2,239 |
| Salaries and employee benefits | $1,616,000 | 2,645 |
| Premises and equipment expense | $335,000 | 3,246 |
| Additional noninterest expense | $1,578,000 | 1,535 |
| Pre-tax net operating income | $2,130,000 | 1,933 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $666,000 | 1,774 |
| Income before extraordinary items | $1,464,000 | 2,120 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,464,000 | 2,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,077 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,464,000 | 2,059 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,917,000 | 1,801 |
| Total interest expense | $1,191,000 | 1,692 |
| Net interest income | $2,726,000 | 1,824 |
| Provision for loan and lease losses | $180,000 | 1,248 |
| Total noninterest income | $243,000 | 3,596 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $215,000 | 1,949 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $28,000 | 6,237 |
| Total noninterest expense | $1,763,000 | 2,257 |
| Salaries and employee benefits | $816,000 | 2,635 |
| Premises and equipment expense | $164,000 | 3,328 |
| Additional noninterest expense | $783,000 | 1,532 |
| Pre-tax net operating income | $1,026,000 | 1,954 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $320,000 | 1,834 |
| Income before extraordinary items | $706,000 | 2,158 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $706,000 | 2,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 882 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $706,000 | 2,081 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,687,000 | 1,707 |
| Total interest expense | $5,523,000 | 1,636 |
| Net interest income | $11,164,000 | 1,738 |
| Provision for loan and lease losses | $850,000 | 1,382 |
| Total noninterest income | $1,034,000 | 3,657 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $913,000 | 1,893 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $121,000 | 6,209 |
| Total noninterest expense | $6,929,000 | 2,271 |
| Salaries and employee benefits | $3,168,000 | 2,650 |
| Premises and equipment expense | $714,000 | 3,036 |
| Additional noninterest expense | $3,047,000 | 1,613 |
| Pre-tax net operating income | $4,419,000 | 1,821 |
| Securities gains (losses) | $-18,000 | 8,855 |
| Applicable income taxes | $1,383,000 | 1,746 |
| Income before extraordinary items | $3,018,000 | 2,033 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,018,000 | 2,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $763,000 | 1,143 |
| Cash dividends | $680,000 | 2,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,030,420 | 1,933 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,637,000 | 1,724 |
| Total interest expense | $4,288,000 | 1,643 |
| Net interest income | $8,349,000 | 1,753 |
| Provision for loan and lease losses | $670,000 | 1,286 |
| Total noninterest income | $764,000 | 3,741 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $681,000 | 1,899 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 6,408 |
| Total noninterest expense | $5,214,000 | 2,273 |
| Salaries and employee benefits | $2,402,000 | 2,622 |
| Premises and equipment expense | $521,000 | 3,109 |
| Additional noninterest expense | $2,291,000 | 1,599 |
| Pre-tax net operating income | $3,229,000 | 1,924 |
| Securities gains (losses) | $-18,000 | 8,998 |
| Applicable income taxes | $1,007,000 | 1,850 |
| Income before extraordinary items | $2,204,000 | 2,139 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,204,000 | 2,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $594,000 | 1,019 |
| Cash dividends | $560,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,216,420 | 2,019 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,541,000 | 1,722 |
| Total interest expense | $2,916,000 | 1,671 |
| Net interest income | $5,625,000 | 1,734 |
| Provision for loan and lease losses | $430,000 | 1,304 |
| Total noninterest income | $512,000 | 3,685 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $443,000 | 1,913 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $69,000 | 6,016 |
| Total noninterest expense | $3,484,000 | 2,260 |
| Salaries and employee benefits | $1,611,000 | 2,612 |
| Premises and equipment expense | $341,000 | 3,151 |
| Additional noninterest expense | $1,532,000 | 1,585 |
| Pre-tax net operating income | $2,223,000 | 1,866 |
| Securities gains (losses) | $-14,000 | 9,079 |
| Applicable income taxes | $691,000 | 1,838 |
| Income before extraordinary items | $1,518,000 | 2,093 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,518,000 | 2,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $368,000 | 1,066 |
| Cash dividends | $240,000 | 3,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,527,660 | 1,955 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,272,000 | 1,730 |
| Total interest expense | $1,506,000 | 1,650 |
| Net interest income | $2,766,000 | 1,756 |
| Provision for loan and lease losses | $220,000 | 1,270 |
| Total noninterest income | $217,000 | 3,964 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $205,000 | 1,981 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $1,741,000 | 2,244 |
| Salaries and employee benefits | $807,000 | 2,598 |
| Premises and equipment expense | $290,000 | 1,956 |
| Additional noninterest expense | $644,000 | 1,829 |
| Pre-tax net operating income | $1,022,000 | 1,995 |
| Securities gains (losses) | $-6,000 | 9,121 |
| Applicable income taxes | $317,000 | 1,976 |
| Income before extraordinary items | $699,000 | 2,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $699,000 | 2,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 1,020 |
| Cash dividends | $120,000 | 2,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $703,140 | 2,067 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,491,000 | 1,771 |
| Total interest expense | $6,935,000 | 1,646 |
| Net interest income | $10,556,000 | 1,844 |
| Provision for loan and lease losses | $785,000 | 1,664 |
| Total noninterest income | $973,000 | 3,544 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $831,000 | 1,938 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $142,000 | 5,719 |
| Total noninterest expense | $6,578,000 | 2,268 |
| Salaries and employee benefits | $3,123,000 | 2,525 |
| Premises and equipment expense | $607,000 | 3,380 |
| Additional noninterest expense | $2,848,000 | 1,648 |
| Pre-tax net operating income | $4,166,000 | 1,922 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $1,294,000 | 1,848 |
| Income before extraordinary items | $2,878,000 | 2,084 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,878,000 | 2,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $532,000 | 1,589 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,873,860 | 2,015 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,071,000 | 1,900 |
| Total interest expense | $9,056,000 | 1,794 |
| Net interest income | $9,015,000 | 1,972 |
| Provision for loan and lease losses | $712,000 | 1,643 |
| Total noninterest income | $889,000 | 3,597 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $761,000 | 1,988 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $128,000 | 5,853 |
| Total noninterest expense | $5,490,000 | 2,579 |
| Salaries and employee benefits | $2,556,000 | 2,894 |
| Premises and equipment expense | $455,000 | 4,202 |
| Additional noninterest expense | $2,479,000 | 1,844 |
| Pre-tax net operating income | $3,702,000 | 1,894 |
| Securities gains (losses) | $75,000 | 1,993 |
| Applicable income taxes | $1,164,000 | 1,864 |
| Income before extraordinary items | $2,613,000 | 2,000 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,613,000 | 2,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $482,000 | 1,600 |
| Cash dividends | $380,000 | 3,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,561,250 | 1,964 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,434,000 | 2,144 |
| Total interest expense | $8,374,000 | 2,051 |
| Net interest income | $8,060,000 | 2,204 |
| Provision for loan and lease losses | $555,000 | 1,721 |
| Total noninterest income | $873,000 | 3,461 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $730,000 | 1,899 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $143,000 | 5,596 |
| Total noninterest expense | $5,062,000 | 2,686 |
| Salaries and employee benefits | $2,358,000 | 2,988 |
| Premises and equipment expense | $770,000 | 2,665 |
| Additional noninterest expense | $1,934,000 | 2,238 |
| Pre-tax net operating income | $3,316,000 | 2,176 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,013,000 | 2,097 |
| Income before extraordinary items | $2,303,000 | 2,240 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,303,000 | 2,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 1,383 |
| Cash dividends | $580,000 | 3,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,303,000 | 2,247 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,998,000 | 2,330 |
| Total interest expense | $6,617,000 | 2,227 |
| Net interest income | $7,381,000 | 2,391 |
| Provision for loan and lease losses | $440,000 | 1,954 |
| Total noninterest income | $795,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $692,000 | 1,925 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $103,000 | 6,553 |
| Total noninterest expense | $4,865,000 | 2,775 |
| Salaries and employee benefits | $2,308,000 | 3,022 |
| Premises and equipment expense | $730,000 | 2,768 |
| Additional noninterest expense | $1,827,000 | 2,389 |
| Pre-tax net operating income | $2,871,000 | 2,506 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $867,000 | 2,465 |
| Income before extraordinary items | $2,002,000 | 2,596 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,002,000 | 2,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,160 |
| Cash dividends | $348,000 | 4,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,003,400 | 2,557 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,075,000 | 2,488 |
| Total interest expense | $6,328,000 | 2,382 |
| Net interest income | $6,747,000 | 2,517 |
| Provision for loan and lease losses | $585,000 | 1,532 |
| Total noninterest income | $689,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $609,000 | 2,103 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $80,000 | 7,189 |
| Total noninterest expense | $4,287,000 | 3,026 |
| Salaries and employee benefits | $1,985,000 | 3,360 |
| Premises and equipment expense | $573,000 | 3,308 |
| Additional noninterest expense | $1,729,000 | 2,401 |
| Pre-tax net operating income | $2,564,000 | 2,717 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $782,000 | 2,793 |
| Income before extraordinary items | $1,782,000 | 2,805 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,782,000 | 2,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 1,304 |
| Cash dividends | $324,000 | 4,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,782,000 | 2,732 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,651,000 | 2,592 |
| Total interest expense | $6,301,000 | 2,388 |
| Net interest income | $6,350,000 | 2,741 |
| Provision for loan and lease losses | $750,000 | 1,253 |
| Total noninterest income | $671,000 | 4,090 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $594,000 | 2,211 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $77,000 | 7,483 |
| Total noninterest expense | $3,763,000 | 3,363 |
| Salaries and employee benefits | $1,908,000 | 3,448 |
| Premises and equipment expense | $395,000 | 4,489 |
| Additional noninterest expense | $1,460,000 | 2,798 |
| Pre-tax net operating income | $2,508,000 | 2,907 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $801,000 | 2,924 |
| Income before extraordinary items | $1,707,000 | 2,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,707,000 | 2,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $621,000 | 1,127 |
| Cash dividends | $324,000 | 4,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,707,000 | 2,926 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,601,000 | 2,850 |
| Total interest expense | $5,707,000 | 2,665 |
| Net interest income | $5,894,000 | 3,010 |
| Provision for loan and lease losses | $385,000 | 2,159 |
| Total noninterest income | $585,000 | 4,648 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $520,000 | 2,626 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $65,000 | 8,279 |
| Total noninterest expense | $3,446,000 | 3,829 |
| Salaries and employee benefits | $1,776,000 | 3,716 |
| Premises and equipment expense | $335,000 | 5,166 |
| Additional noninterest expense | $1,335,000 | 3,446 |
| Pre-tax net operating income | $2,648,000 | 2,640 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $843,000 | 2,719 |
| Income before extraordinary items | $1,805,000 | 2,697 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,805,000 | 2,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 2,090 |
| Cash dividends | $292,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,805,000 | 2,654 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,954,000 | 3,292 |
| Total interest expense | $4,948,000 | 3,054 |
| Net interest income | $5,006,000 | 3,532 |
| Provision for loan and lease losses | $320,000 | 2,185 |
| Total noninterest income | $545,000 | 4,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $469,000 | 2,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,106 |
| Total noninterest expense | $3,152,000 | 4,104 |
| Salaries and employee benefits | $1,575,000 | 4,106 |
| Premises and equipment expense | $332,000 | 5,224 |
| Additional noninterest expense | $1,245,000 | 3,628 |
| Pre-tax net operating income | $2,079,000 | 3,367 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $638,000 | 3,505 |
| Income before extraordinary items | $1,441,000 | 3,365 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,441,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,982 |
| Cash dividends | $248,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,441,000 | 3,333 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,348,000 | 4,046 |
| Total interest expense | $3,127,000 | 3,813 |
| Net interest income | $4,221,000 | 4,174 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $491,000 | 5,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $425,000 | 3,198 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,828 |
| Total noninterest expense | $2,930,000 | 4,504 |
| Salaries and employee benefits | $1,377,000 | 4,637 |
| Premises and equipment expense | $317,000 | 5,473 |
| Additional noninterest expense | $1,236,000 | 3,951 |
| Pre-tax net operating income | $1,622,000 | 4,123 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $471,000 | 4,235 |
| Income before extraordinary items | $1,151,000 | 4,013 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,151,000 | 4,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,921 |
| Cash dividends | $124,000 | 6,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,151,000 | 4,049 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,255,000 | 4,777 |
| Total interest expense | $2,606,000 | 4,643 |
| Net interest income | $3,649,000 | 4,778 |
| Provision for loan and lease losses | $221,000 | 3,689 |
| Total noninterest income | $503,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $445,000 | 3,123 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,638 |
| Total noninterest expense | $2,620,000 | 5,064 |
| Salaries and employee benefits | $1,201,000 | 5,240 |
| Premises and equipment expense | $291,000 | 6,002 |
| Additional noninterest expense | $1,128,000 | 4,438 |
| Pre-tax net operating income | $1,311,000 | 4,831 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $354,000 | 5,450 |
| Income before extraordinary items | $957,000 | 4,847 |
| Extraordinary gains, net | $-11,000 | 12,328 |
| Net income | $946,000 | 5,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 4,097 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $957,000 | 4,620 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,058,000 | 5,440 |
| Total interest expense | $2,896,000 | 5,304 |
| Net interest income | $3,162,000 | 5,471 |
| Provision for loan and lease losses | $215,000 | 5,039 |
| Total noninterest income | $468,000 | 5,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 3,227 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,488 |
| Total noninterest expense | $2,466,000 | 5,381 |
| Salaries and employee benefits | $1,089,000 | 5,623 |
| Premises and equipment expense | $275,000 | 6,364 |
| Additional noninterest expense | $1,102,000 | 4,679 |
| Pre-tax net operating income | $949,000 | 5,860 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $248,000 | 6,693 |
| Income before extraordinary items | $701,000 | 5,915 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $701,000 | 5,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 5,670 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $701,000 | 5,571 |
* 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.