Home > The First National Bank of Akron > Income and Expense
The First National Bank of Akron, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $489,000 | 6,991 |
| Total interest expense | $164,000 | 6,463 |
| Net interest income | $325,000 | 7,109 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $115,000 | 4,791 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $30,000 | 5,359 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $85,000 | 3,799 |
| Total noninterest expense | $219,000 | 7,443 |
| Salaries and employee benefits | $113,000 | 7,455 |
| Premises and equipment expense | $21,000 | 7,415 |
| Additional noninterest expense | $85,000 | 7,187 |
| Pre-tax net operating income | $221,000 | 3,889 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $71,000 | 2,462 |
| Income before extraordinary items | $150,000 | 4,385 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $150,000 | 4,386 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $150,000 | 4,384 |
| Net charge-offs | $-2,000 | 7,007 |
| Cash dividends | $1,500,000 | 226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $150,000 | 4,266 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 6,957 |
| Total interest expense | $853,000 | 6,345 |
| Net interest income | $1,286,000 | 7,149 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $579,000 | 4,442 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $144,000 | 5,222 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $435,000 | 3,425 |
| Total noninterest expense | $1,095,000 | 7,278 |
| Salaries and employee benefits | $523,000 | 7,387 |
| Premises and equipment expense | $82,000 | 7,533 |
| Additional noninterest expense | $490,000 | 6,816 |
| Pre-tax net operating income | $770,000 | 3,406 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $229,000 | 2,267 |
| Income before extraordinary items | $541,000 | 3,754 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $541,000 | 3,751 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $541,000 | 3,752 |
| Net charge-offs | $-4,000 | 7,803 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $541,000 | 3,682 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,617,000 | 7,026 |
| Total interest expense | $666,000 | 6,397 |
| Net interest income | $951,000 | 7,225 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $430,000 | 4,525 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $117,000 | 5,112 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $313,000 | 3,553 |
| Total noninterest expense | $775,000 | 7,385 |
| Salaries and employee benefits | $415,000 | 7,361 |
| Premises and equipment expense | $64,000 | 7,572 |
| Additional noninterest expense | $296,000 | 7,135 |
| Pre-tax net operating income | $606,000 | 3,587 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $189,000 | 2,380 |
| Income before extraordinary items | $417,000 | 3,986 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $417,000 | 3,982 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $417,000 | 3,985 |
| Net charge-offs | $-10,000 | 7,873 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $417,000 | 3,887 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,092,000 | 7,078 |
| Total interest expense | $455,000 | 6,468 |
| Net interest income | $637,000 | 7,251 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $255,000 | 4,769 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $86,000 | 4,941 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $169,000 | 3,909 |
| Total noninterest expense | $546,000 | 7,397 |
| Salaries and employee benefits | $289,000 | 7,378 |
| Premises and equipment expense | $49,000 | 7,522 |
| Additional noninterest expense | $208,000 | 7,118 |
| Pre-tax net operating income | $346,000 | 3,940 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $105,000 | 2,587 |
| Income before extraordinary items | $241,000 | 4,299 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $241,000 | 4,298 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $241,000 | 4,298 |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $241,000 | 4,187 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $561,000 | 7,080 |
| Total interest expense | $233,000 | 6,529 |
| Net interest income | $328,000 | 7,223 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $146,000 | 4,448 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $48,000 | 4,692 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $98,000 | 3,686 |
| Total noninterest expense | $270,000 | 7,431 |
| Salaries and employee benefits | $149,000 | 7,383 |
| Premises and equipment expense | $29,000 | 7,401 |
| Additional noninterest expense | $92,000 | 7,213 |
| Pre-tax net operating income | $204,000 | 4,007 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $64,000 | 2,663 |
| Income before extraordinary items | $140,000 | 4,459 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $140,000 | 4,462 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $140,000 | 4,462 |
| Net charge-offs | $-6,000 | 7,754 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $140,000 | 4,301 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,410,000 | 7,057 |
| Total interest expense | $1,066,000 | 6,663 |
| Net interest income | $1,344,000 | 7,195 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $642,000 | 4,320 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $172,000 | 5,067 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $470,000 | 3,286 |
| Total noninterest expense | $1,123,000 | 7,373 |
| Salaries and employee benefits | $626,000 | 7,345 |
| Premises and equipment expense | $148,000 | 7,161 |
| Additional noninterest expense | $349,000 | 7,240 |
| Pre-tax net operating income | $863,000 | 4,038 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $283,000 | 2,470 |
| Income before extraordinary items | $580,000 | 4,225 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $580,000 | 4,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,793 |
| Cash dividends | $500,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $580,000 | 4,382 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,822,000 | 7,121 |
| Total interest expense | $822,000 | 6,741 |
| Net interest income | $1,000,000 | 7,264 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $449,000 | 4,571 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $122,000 | 5,209 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $327,000 | 3,540 |
| Total noninterest expense | $788,000 | 7,493 |
| Salaries and employee benefits | $466,000 | 7,368 |
| Premises and equipment expense | $67,000 | 7,764 |
| Additional noninterest expense | $255,000 | 7,291 |
| Pre-tax net operating income | $661,000 | 4,461 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $210,000 | 2,856 |
| Income before extraordinary items | $451,000 | 4,612 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $451,000 | 4,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,952 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $451,000 | 4,758 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,232,000 | 7,164 |
| Total interest expense | $568,000 | 6,790 |
| Net interest income | $664,000 | 7,292 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $225,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $80,000 | 5,243 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $145,000 | 4,373 |
| Total noninterest expense | $478,000 | 7,689 |
| Salaries and employee benefits | $269,000 | 7,657 |
| Premises and equipment expense | $45,000 | 7,802 |
| Additional noninterest expense | $164,000 | 7,375 |
| Pre-tax net operating income | $411,000 | 4,745 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $131,000 | 3,169 |
| Income before extraordinary items | $280,000 | 5,119 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $280,000 | 5,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,930 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $280,000 | 5,050 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $633,000 | 7,197 |
| Total interest expense | $296,000 | 6,860 |
| Net interest income | $337,000 | 7,314 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $120,000 | 5,085 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $37,000 | 5,370 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $83,000 | 4,124 |
| Total noninterest expense | $241,000 | 7,710 |
| Salaries and employee benefits | $136,000 | 7,690 |
| Premises and equipment expense | $23,000 | 7,808 |
| Additional noninterest expense | $82,000 | 7,385 |
| Pre-tax net operating income | $216,000 | 4,815 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $70,000 | 3,215 |
| Income before extraordinary items | $146,000 | 5,249 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $146,000 | 5,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,797 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $146,000 | 5,144 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,613,000 | 7,127 |
| Total interest expense | $1,253,000 | 6,789 |
| Net interest income | $1,360,000 | 7,306 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $533,000 | 4,890 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $155,000 | 5,364 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $378,000 | 3,840 |
| Total noninterest expense | $1,030,000 | 7,617 |
| Salaries and employee benefits | $568,000 | 7,626 |
| Premises and equipment expense | $90,000 | 7,858 |
| Additional noninterest expense | $372,000 | 7,183 |
| Pre-tax net operating income | $863,000 | 5,031 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $300,000 | 3,382 |
| Income before extraordinary items | $563,000 | 5,473 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $563,000 | 5,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $1,000,000 | 2,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $563,000 | 5,453 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,950,000 | 7,178 |
| Total interest expense | $929,000 | 6,824 |
| Net interest income | $1,021,000 | 7,348 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $392,000 | 4,957 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $119,000 | 5,348 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $273,000 | 3,925 |
| Total noninterest expense | $767,000 | 7,597 |
| Salaries and employee benefits | $429,000 | 7,594 |
| Premises and equipment expense | $65,000 | 7,870 |
| Additional noninterest expense | $273,000 | 7,206 |
| Pre-tax net operating income | $646,000 | 5,290 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $221,000 | 3,594 |
| Income before extraordinary items | $425,000 | 5,699 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $425,000 | 5,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,809 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $425,000 | 5,685 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,285,000 | 7,238 |
| Total interest expense | $601,000 | 6,901 |
| Net interest income | $684,000 | 7,399 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $225,000 | 5,329 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $78,000 | 5,388 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $147,000 | 4,350 |
| Total noninterest expense | $501,000 | 7,685 |
| Salaries and employee benefits | $271,000 | 7,724 |
| Premises and equipment expense | $43,000 | 7,927 |
| Additional noninterest expense | $187,000 | 7,191 |
| Pre-tax net operating income | $408,000 | 5,473 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $140,000 | 3,733 |
| Income before extraordinary items | $268,000 | 5,888 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $268,000 | 5,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $268,000 | 5,875 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $633,000 | 7,293 |
| Total interest expense | $285,000 | 7,023 |
| Net interest income | $348,000 | 7,403 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $106,000 | 5,403 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $34,000 | 5,592 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $72,000 | 4,403 |
| Total noninterest expense | $253,000 | 7,708 |
| Salaries and employee benefits | $140,000 | 7,718 |
| Premises and equipment expense | $24,000 | 7,842 |
| Additional noninterest expense | $89,000 | 7,293 |
| Pre-tax net operating income | $201,000 | 5,505 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $71,000 | 3,732 |
| Income before extraordinary items | $130,000 | 5,933 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $130,000 | 5,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $130,000 | 5,915 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,423,000 | 7,204 |
| Total interest expense | $1,069,000 | 6,805 |
| Net interest income | $1,354,000 | 7,372 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $490,000 | 5,180 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $157,000 | 5,441 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $333,000 | 4,097 |
| Total noninterest expense | $975,000 | 7,757 |
| Salaries and employee benefits | $538,000 | 7,764 |
| Premises and equipment expense | $103,000 | 7,768 |
| Additional noninterest expense | $334,000 | 7,401 |
| Pre-tax net operating income | $869,000 | 5,487 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $297,000 | 3,822 |
| Income before extraordinary items | $572,000 | 5,915 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $572,000 | 5,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,587 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $572,000 | 5,913 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,793,000 | 7,266 |
| Total interest expense | $776,000 | 6,844 |
| Net interest income | $1,017,000 | 7,441 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $358,000 | 5,243 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $121,000 | 5,450 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $237,000 | 4,195 |
| Total noninterest expense | $703,000 | 7,809 |
| Salaries and employee benefits | $390,000 | 7,809 |
| Premises and equipment expense | $75,000 | 7,834 |
| Additional noninterest expense | $238,000 | 7,491 |
| Pre-tax net operating income | $672,000 | 5,621 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $232,000 | 3,946 |
| Income before extraordinary items | $440,000 | 6,032 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $440,000 | 6,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $440,000 | 6,027 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,162,000 | 7,323 |
| Total interest expense | $491,000 | 6,891 |
| Net interest income | $671,000 | 7,510 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $222,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $85,000 | 5,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 4,474 |
| Total noninterest expense | $453,000 | 7,898 |
| Salaries and employee benefits | $245,000 | 7,929 |
| Premises and equipment expense | $52,000 | 7,803 |
| Additional noninterest expense | $156,000 | 7,543 |
| Pre-tax net operating income | $440,000 | 5,690 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $152,000 | 3,985 |
| Income before extraordinary items | $288,000 | 6,097 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $288,000 | 6,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $288,000 | 6,094 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $570,000 | 7,360 |
| Total interest expense | $235,000 | 6,900 |
| Net interest income | $335,000 | 7,524 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $101,000 | 5,577 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $232,000 | 7,864 |
| Salaries and employee benefits | $122,000 | 7,958 |
| Premises and equipment expense | $27,000 | 7,763 |
| Additional noninterest expense | $83,000 | 7,448 |
| Pre-tax net operating income | $204,000 | 5,807 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $70,000 | 4,045 |
| Income before extraordinary items | $134,000 | 6,186 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $134,000 | 6,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $134,000 | 6,188 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,155,000 | 7,306 |
| Total interest expense | $883,000 | 6,574 |
| Net interest income | $1,272,000 | 7,601 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $480,000 | 5,331 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $138,000 | 5,767 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $342,000 | 4,070 |
| Total noninterest expense | $1,000,000 | 7,750 |
| Salaries and employee benefits | $509,000 | 7,866 |
| Premises and equipment expense | $118,000 | 7,660 |
| Additional noninterest expense | $373,000 | 7,240 |
| Pre-tax net operating income | $752,000 | 6,006 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $246,000 | 4,385 |
| Income before extraordinary items | $506,000 | 6,346 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $506,000 | 6,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,956 |
| Cash dividends | $750,000 | 2,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $506,000 | 6,319 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,598,000 | 7,336 |
| Total interest expense | $648,000 | 6,555 |
| Net interest income | $950,000 | 7,649 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $341,000 | 5,491 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $99,000 | 5,878 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $242,000 | 4,188 |
| Total noninterest expense | $728,000 | 7,777 |
| Salaries and employee benefits | $368,000 | 7,906 |
| Premises and equipment expense | $84,000 | 7,738 |
| Additional noninterest expense | $276,000 | 7,272 |
| Pre-tax net operating income | $563,000 | 6,163 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $185,000 | 4,531 |
| Income before extraordinary items | $378,000 | 6,497 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $378,000 | 6,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,879 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $378,000 | 6,459 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,048,000 | 7,356 |
| Total interest expense | $419,000 | 6,493 |
| Net interest income | $629,000 | 7,683 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $205,000 | 5,680 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $65,000 | 5,865 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $140,000 | 4,472 |
| Total noninterest expense | $469,000 | 7,853 |
| Salaries and employee benefits | $236,000 | 7,976 |
| Premises and equipment expense | $60,000 | 7,621 |
| Additional noninterest expense | $173,000 | 7,371 |
| Pre-tax net operating income | $365,000 | 6,194 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $120,000 | 4,564 |
| Income before extraordinary items | $245,000 | 6,556 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $245,000 | 6,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $245,000 | 6,502 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $521,000 | 7,403 |
| Total interest expense | $206,000 | 6,461 |
| Net interest income | $315,000 | 7,744 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $105,000 | 5,577 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $29,000 | 6,046 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $76,000 | 4,289 |
| Total noninterest expense | $243,000 | 7,842 |
| Salaries and employee benefits | $122,000 | 7,990 |
| Premises and equipment expense | $30,000 | 7,706 |
| Additional noninterest expense | $91,000 | 7,336 |
| Pre-tax net operating income | $177,000 | 6,227 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $59,000 | 4,561 |
| Income before extraordinary items | $118,000 | 6,602 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $118,000 | 6,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $118,000 | 6,566 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,981,000 | 7,400 |
| Total interest expense | $811,000 | 6,219 |
| Net interest income | $1,170,000 | 7,787 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $507,000 | 5,224 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $132,000 | 6,026 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $375,000 | 3,827 |
| Total noninterest expense | $939,000 | 7,922 |
| Salaries and employee benefits | $529,000 | 7,902 |
| Premises and equipment expense | $81,000 | 8,197 |
| Additional noninterest expense | $329,000 | 7,534 |
| Pre-tax net operating income | $738,000 | 5,987 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $239,000 | 4,508 |
| Income before extraordinary items | $500,000 | 6,365 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $500,000 | 6,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,569 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $499,320 | 6,292 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,481,000 | 7,429 |
| Total interest expense | $609,000 | 6,217 |
| Net interest income | $872,000 | 7,832 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $372,000 | 5,307 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $100,000 | 6,053 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $272,000 | 3,913 |
| Total noninterest expense | $654,000 | 8,035 |
| Salaries and employee benefits | $374,000 | 7,959 |
| Premises and equipment expense | $42,000 | 8,552 |
| Additional noninterest expense | $238,000 | 7,598 |
| Pre-tax net operating income | $590,000 | 5,944 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $194,000 | 4,482 |
| Income before extraordinary items | $397,000 | 6,346 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $397,000 | 6,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,073 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $396,330 | 6,274 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $987,000 | 7,467 |
| Total interest expense | $409,000 | 6,235 |
| Net interest income | $578,000 | 7,884 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $215,000 | 5,659 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $65,000 | 6,112 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $150,000 | 4,305 |
| Total noninterest expense | $414,000 | 8,155 |
| Salaries and employee benefits | $230,000 | 8,144 |
| Premises and equipment expense | $31,000 | 8,504 |
| Additional noninterest expense | $153,000 | 7,687 |
| Pre-tax net operating income | $379,000 | 5,989 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $124,000 | 4,561 |
| Income before extraordinary items | $256,000 | 6,392 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $256,000 | 6,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $255,330 | 6,306 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $496,000 | 7,511 |
| Total interest expense | $207,000 | 6,258 |
| Net interest income | $289,000 | 7,911 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $101,000 | 5,747 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $30,000 | 6,194 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $71,000 | 4,413 |
| Total noninterest expense | $208,000 | 8,186 |
| Salaries and employee benefits | $115,000 | 8,182 |
| Premises and equipment expense | $16,000 | 8,479 |
| Additional noninterest expense | $77,000 | 7,712 |
| Pre-tax net operating income | $182,000 | 6,038 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $60,000 | 4,582 |
| Income before extraordinary items | $122,000 | 6,479 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $122,000 | 6,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $122,000 | 6,363 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,122,000 | 7,431 |
| Total interest expense | $959,000 | 6,236 |
| Net interest income | $1,163,000 | 7,864 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $480,000 | 5,541 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $126,000 | 6,195 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $354,000 | 4,195 |
| Total noninterest expense | $835,000 | 8,208 |
| Salaries and employee benefits | $478,000 | 8,163 |
| Premises and equipment expense | $58,000 | 8,647 |
| Additional noninterest expense | $299,000 | 7,762 |
| Pre-tax net operating income | $808,000 | 5,680 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $233,000 | 4,686 |
| Income before extraordinary items | $575,000 | 6,036 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $575,000 | 6,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,519 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $575,000 | 5,877 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,613,000 | 7,490 |
| Total interest expense | $751,000 | 6,273 |
| Net interest income | $862,000 | 7,952 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $346,000 | 5,700 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $89,000 | 6,327 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $257,000 | 4,333 |
| Total noninterest expense | $606,000 | 8,263 |
| Salaries and employee benefits | $341,000 | 8,238 |
| Premises and equipment expense | $42,000 | 8,710 |
| Additional noninterest expense | $223,000 | 7,792 |
| Pre-tax net operating income | $602,000 | 5,870 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $164,000 | 4,962 |
| Income before extraordinary items | $438,000 | 6,153 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $438,000 | 6,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,484 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $438,000 | 5,988 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,097,000 | 7,497 |
| Total interest expense | $522,000 | 6,257 |
| Net interest income | $575,000 | 7,976 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $230,000 | 5,672 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $59,000 | 6,330 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $171,000 | 4,325 |
| Total noninterest expense | $403,000 | 8,281 |
| Salaries and employee benefits | $224,000 | 8,296 |
| Premises and equipment expense | $28,000 | 8,729 |
| Additional noninterest expense | $151,000 | 7,757 |
| Pre-tax net operating income | $402,000 | 5,842 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $100,000 | 5,131 |
| Income before extraordinary items | $302,000 | 6,077 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $302,000 | 6,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $302,000 | 5,880 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $560,000 | 7,494 |
| Total interest expense | $274,000 | 6,207 |
| Net interest income | $286,000 | 8,029 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $105,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 4,426 |
| Total noninterest expense | $203,000 | 8,313 |
| Salaries and employee benefits | $112,000 | 8,326 |
| Premises and equipment expense | $15,000 | 8,679 |
| Additional noninterest expense | $76,000 | 7,777 |
| Pre-tax net operating income | $188,000 | 5,985 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $30,000 | 5,719 |
| Income before extraordinary items | $158,000 | 5,889 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $158,000 | 5,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $158,000 | 5,697 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,469,000 | 7,391 |
| Total interest expense | $1,157,000 | 6,526 |
| Net interest income | $1,312,000 | 7,748 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $443,000 | 5,524 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $123,000 | 6,207 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $320,000 | 4,117 |
| Total noninterest expense | $852,000 | 8,240 |
| Salaries and employee benefits | $476,000 | 8,234 |
| Premises and equipment expense | $56,000 | 8,806 |
| Additional noninterest expense | $320,000 | 7,663 |
| Pre-tax net operating income | $903,000 | 5,477 |
| Securities gains (losses) | $-9,000 | 8,892 |
| Applicable income taxes | $297,000 | 4,464 |
| Income before extraordinary items | $597,000 | 5,976 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $597,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,669 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $603,030 | 5,808 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,797,000 | 7,457 |
| Total interest expense | $1,435,000 | 7,111 |
| Net interest income | $1,362,000 | 7,574 |
| Provision for loan and lease losses | $200,000 | 4,117 |
| Total noninterest income | $396,000 | 5,704 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $109,000 | 6,416 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $287,000 | 4,213 |
| Total noninterest expense | $875,000 | 8,267 |
| Salaries and employee benefits | $470,000 | 8,309 |
| Premises and equipment expense | $61,000 | 8,954 |
| Additional noninterest expense | $344,000 | 7,556 |
| Pre-tax net operating income | $683,000 | 5,885 |
| Securities gains (losses) | $8,000 | 3,714 |
| Applicable income taxes | $216,000 | 4,891 |
| Income before extraordinary items | $475,000 | 6,196 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $475,000 | 6,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,283 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $469,480 | 6,096 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 7,315 |
| Total interest expense | $1,603,000 | 6,964 |
| Net interest income | $1,493,000 | 7,482 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $368,000 | 5,766 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 6,647 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,127 |
| Total noninterest expense | $802,000 | 8,565 |
| Salaries and employee benefits | $454,000 | 8,474 |
| Premises and equipment expense | $64,000 | 9,098 |
| Additional noninterest expense | $284,000 | 8,073 |
| Pre-tax net operating income | $859,000 | 5,673 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $271,000 | 4,805 |
| Income before extraordinary items | $588,000 | 5,905 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $588,000 | 5,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,329 |
| Cash dividends | $1,500,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $588,000 | 5,916 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,838,000 | 7,563 |
| Total interest expense | $1,370,000 | 7,264 |
| Net interest income | $1,468,000 | 7,643 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $388,000 | 5,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,350 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,280 |
| Total noninterest expense | $937,000 | 8,312 |
| Salaries and employee benefits | $455,000 | 8,596 |
| Premises and equipment expense | $97,000 | 8,686 |
| Additional noninterest expense | $385,000 | 7,403 |
| Pre-tax net operating income | $919,000 | 5,557 |
| Securities gains (losses) | $-3,000 | 8,917 |
| Applicable income taxes | $294,000 | 4,860 |
| Income before extraordinary items | $622,000 | 5,790 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $622,000 | 5,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $624,040 | 5,753 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,866,000 | 7,681 |
| Total interest expense | $1,450,000 | 7,305 |
| Net interest income | $1,416,000 | 7,865 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $388,000 | 5,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $256,000 | 4,369 |
| Total noninterest expense | $899,000 | 8,433 |
| Salaries and employee benefits | $430,000 | 8,774 |
| Premises and equipment expense | $61,000 | 9,545 |
| Additional noninterest expense | $408,000 | 7,154 |
| Pre-tax net operating income | $905,000 | 5,717 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $298,000 | 5,184 |
| Income before extraordinary items | $607,000 | 6,018 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $607,000 | 6,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,598 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $607,000 | 5,917 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,797,000 | 8,008 |
| Total interest expense | $1,352,000 | 7,710 |
| Net interest income | $1,445,000 | 8,111 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $362,000 | 6,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 4,697 |
| Total noninterest expense | $817,000 | 8,971 |
| Salaries and employee benefits | $386,000 | 9,343 |
| Premises and equipment expense | $78,000 | 9,482 |
| Additional noninterest expense | $353,000 | 7,780 |
| Pre-tax net operating income | $990,000 | 5,860 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $334,000 | 5,439 |
| Income before extraordinary items | $654,000 | 6,093 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $654,000 | 6,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $655,320 | 6,045 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,745,000 | 8,355 |
| Total interest expense | $1,290,000 | 8,133 |
| Net interest income | $1,455,000 | 8,377 |
| Provision for loan and lease losses | $47,000 | 6,760 |
| Total noninterest income | $365,000 | 6,268 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $233,000 | 4,738 |
| Total noninterest expense | $807,000 | 9,408 |
| Salaries and employee benefits | $380,000 | 9,743 |
| Premises and equipment expense | $65,000 | 10,223 |
| Additional noninterest expense | $362,000 | 8,238 |
| Pre-tax net operating income | $966,000 | 5,859 |
| Securities gains (losses) | $-17,000 | 10,550 |
| Applicable income taxes | $332,000 | 5,503 |
| Income before extraordinary items | $617,000 | 6,169 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $617,000 | 6,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,357 |
| Cash dividends | $550,000 | 3,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $628,050 | 6,051 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,822,000 | 8,473 |
| Total interest expense | $1,327,000 | 8,197 |
| Net interest income | $1,495,000 | 8,553 |
| Provision for loan and lease losses | $37,000 | 6,739 |
| Total noninterest income | $311,000 | 6,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,287 |
| Total noninterest expense | $846,000 | 9,574 |
| Salaries and employee benefits | $382,000 | 10,074 |
| Premises and equipment expense | $61,000 | 10,750 |
| Additional noninterest expense | $403,000 | 8,161 |
| Pre-tax net operating income | $923,000 | 6,308 |
| Securities gains (losses) | $-7,000 | 9,876 |
| Applicable income taxes | $330,000 | 5,663 |
| Income before extraordinary items | $586,000 | 6,691 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $586,000 | 6,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,140 |
| Cash dividends | $1,150,000 | 1,816 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $590,480 | 6,656 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 9,041 |
| Total interest expense | $1,014,000 | 8,634 |
| Net interest income | $1,412,000 | 9,119 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $318,000 | 7,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,489 |
| Total noninterest expense | $925,000 | 9,655 |
| Salaries and employee benefits | $370,000 | 10,545 |
| Premises and equipment expense | $60,000 | 11,299 |
| Additional noninterest expense | $495,000 | 7,892 |
| Pre-tax net operating income | $781,000 | 6,964 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $280,000 | 6,120 |
| Income before extraordinary items | $503,000 | 7,288 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $503,000 | 7,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $501,720 | 7,330 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,379,000 | 9,422 |
| Total interest expense | $988,000 | 9,167 |
| Net interest income | $1,391,000 | 9,444 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $295,000 | 7,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 7,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 6,134 |
| Total noninterest expense | $880,000 | 10,292 |
| Salaries and employee benefits | $363,000 | 11,014 |
| Premises and equipment expense | $63,000 | 11,742 |
| Additional noninterest expense | $454,000 | 8,683 |
| Pre-tax net operating income | $806,000 | 6,779 |
| Securities gains (losses) | $-9,000 | 12,743 |
| Applicable income taxes | $253,000 | 6,745 |
| Income before extraordinary items | $544,000 | 7,199 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $544,000 | 7,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 12,879 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $550,120 | 6,886 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,716,000 | 9,506 |
| Total interest expense | $1,248,000 | 9,425 |
| Net interest income | $1,468,000 | 9,379 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $276,000 | 8,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 7,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 6,940 |
| Total noninterest expense | $860,000 | 10,708 |
| Salaries and employee benefits | $374,000 | 11,165 |
| Premises and equipment expense | $68,000 | 11,957 |
| Additional noninterest expense | $418,000 | 9,361 |
| Pre-tax net operating income | $884,000 | 6,180 |
| Securities gains (losses) | $16,000 | 5,884 |
| Applicable income taxes | $316,000 | 5,720 |
| Income before extraordinary items | $584,000 | 6,670 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $584,000 | 6,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 13,490 |
| Cash dividends | $900,000 | 1,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $573,600 | 6,410 |
* 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.