Home > The First National Bank of Canadian > Income and Expense
The First National Bank of Canadian, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,556,000 | 5,348 |
| Total interest expense | $493,000 | 6,898 |
| Net interest income | $3,063,000 | 4,523 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $353,000 | 4,899 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $78,000 | 5,742 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $275,000 | 3,752 |
| Total noninterest expense | $1,682,000 | 5,976 |
| Salaries and employee benefits | $825,000 | 6,062 |
| Premises and equipment expense | $293,000 | 5,095 |
| Additional noninterest expense | $564,000 | 5,969 |
| Pre-tax net operating income | $1,734,000 | 1,825 |
| Securities gains (losses) | $-73,000 | 7,429 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $1,661,000 | 1,610 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,661,000 | 1,608 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,661,000 | 1,610 |
| Net charge-offs | $2,000 | 6,855 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,734,000 | 1,509 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,474,000 | 5,263 |
| Total interest expense | $341,000 | 6,961 |
| Net interest income | $2,133,000 | 4,387 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $110,000 | 6,248 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $47,000 | 5,894 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $63,000 | 5,502 |
| Total noninterest expense | $1,033,000 | 6,219 |
| Salaries and employee benefits | $490,000 | 6,385 |
| Premises and equipment expense | $202,000 | 5,048 |
| Additional noninterest expense | $341,000 | 6,220 |
| Pre-tax net operating income | $1,210,000 | 1,815 |
| Securities gains (losses) | $-135,000 | 7,733 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $1,075,000 | 1,737 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,075,000 | 1,734 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,075,000 | 1,736 |
| Net charge-offs | $-1,000 | 7,516 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,210,000 | 1,513 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,317,000 | 5,128 |
| Total interest expense | $179,000 | 6,978 |
| Net interest income | $1,138,000 | 4,172 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $60,000 | 6,100 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $22,000 | 5,942 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $38,000 | 5,265 |
| Total noninterest expense | $496,000 | 6,290 |
| Salaries and employee benefits | $245,000 | 6,433 |
| Premises and equipment expense | $101,000 | 5,089 |
| Additional noninterest expense | $150,000 | 6,314 |
| Pre-tax net operating income | $702,000 | 1,804 |
| Securities gains (losses) | $-67,000 | 7,965 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $635,000 | 1,695 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $635,000 | 1,696 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $635,000 | 1,697 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $702,000 | 1,469 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,090,000 | 5,407 |
| Total interest expense | $1,418,000 | 6,087 |
| Net interest income | $3,672,000 | 4,845 |
| Provision for loan and lease losses | $1,000 | 7,325 |
| Total noninterest income | $-84,000 | 8,181 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $89,000 | 6,055 |
| Trading account gains and fees | $-280,000 | 8,224 |
| Additional Noninterest Income | $107,000 | 5,830 |
| Total noninterest expense | $1,924,000 | 6,335 |
| Salaries and employee benefits | $1,044,000 | 6,315 |
| Premises and equipment expense | $404,000 | 5,057 |
| Additional noninterest expense | $476,000 | 6,724 |
| Pre-tax net operating income | $1,663,000 | 2,840 |
| Securities gains (losses) | $-1,122,000 | 7,771 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $541,000 | 4,326 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $541,000 | 4,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,960 |
| Cash dividends | $107,000 | 4,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,663,000 | 2,470 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,784,000 | 5,499 |
| Total interest expense | $1,167,000 | 6,025 |
| Net interest income | $2,617,000 | 5,030 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $-120,000 | 8,302 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $68,000 | 6,072 |
| Trading account gains and fees | $-280,000 | 8,314 |
| Additional Noninterest Income | $92,000 | 5,760 |
| Total noninterest expense | $1,346,000 | 6,506 |
| Salaries and employee benefits | $711,000 | 6,566 |
| Premises and equipment expense | $308,000 | 5,029 |
| Additional noninterest expense | $327,000 | 6,881 |
| Pre-tax net operating income | $1,151,000 | 3,393 |
| Securities gains (losses) | $-1,040,000 | 7,940 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $111,000 | 6,116 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $111,000 | 6,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,241 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,151,000 | 2,969 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,490,000 | 5,617 |
| Total interest expense | $826,000 | 6,034 |
| Net interest income | $1,664,000 | 5,170 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $-48,000 | 8,384 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $43,000 | 6,136 |
| Trading account gains and fees | $-169,000 | 8,388 |
| Additional Noninterest Income | $78,000 | 5,462 |
| Total noninterest expense | $913,000 | 6,500 |
| Salaries and employee benefits | $481,000 | 6,578 |
| Premises and equipment expense | $210,000 | 5,004 |
| Additional noninterest expense | $222,000 | 6,874 |
| Pre-tax net operating income | $703,000 | 3,687 |
| Securities gains (losses) | $-38,000 | 8,213 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $665,000 | 3,409 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $665,000 | 3,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,450 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $703,000 | 3,253 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,320,000 | 5,536 |
| Total interest expense | $463,000 | 5,938 |
| Net interest income | $857,000 | 5,095 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $37,000 | 7,068 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $22,000 | 6,119 |
| Trading account gains and fees | $-26,000 | 8,421 |
| Additional Noninterest Income | $41,000 | 5,402 |
| Total noninterest expense | $448,000 | 6,582 |
| Salaries and employee benefits | $238,000 | 6,630 |
| Premises and equipment expense | $99,000 | 5,177 |
| Additional noninterest expense | $111,000 | 6,884 |
| Pre-tax net operating income | $446,000 | 3,284 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $446,000 | 2,946 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $446,000 | 2,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $446,000 | 2,859 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,960,000 | 5,746 |
| Total interest expense | $1,915,000 | 5,914 |
| Net interest income | $3,045,000 | 5,462 |
| Provision for loan and lease losses | $17,000 | 6,406 |
| Total noninterest income | $249,000 | 6,403 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $83,000 | 6,262 |
| Trading account gains and fees | $-5,000 | 8,456 |
| Additional Noninterest Income | $171,000 | 5,356 |
| Total noninterest expense | $1,917,000 | 6,322 |
| Salaries and employee benefits | $1,079,000 | 6,270 |
| Premises and equipment expense | $394,000 | 5,071 |
| Additional noninterest expense | $444,000 | 6,857 |
| Pre-tax net operating income | $1,360,000 | 4,087 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,360,000 | 3,651 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,360,000 | 3,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,123 |
| Cash dividends | $540,000 | 3,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,360,000 | 3,641 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,637,000 | 5,827 |
| Total interest expense | $1,414,000 | 5,985 |
| Net interest income | $2,223,000 | 5,567 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $220,000 | 6,124 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $63,000 | 6,280 |
| Trading account gains and fees | $-3,000 | 8,493 |
| Additional Noninterest Income | $160,000 | 4,947 |
| Total noninterest expense | $1,313,000 | 6,536 |
| Salaries and employee benefits | $687,000 | 6,641 |
| Premises and equipment expense | $306,000 | 4,957 |
| Additional noninterest expense | $320,000 | 6,910 |
| Pre-tax net operating income | $1,130,000 | 4,086 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,130,000 | 3,620 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,130,000 | 3,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,430 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,130,000 | 3,599 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,410,000 | 5,870 |
| Total interest expense | $938,000 | 6,011 |
| Net interest income | $1,472,000 | 5,610 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $174,000 | 5,857 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $37,000 | 6,450 |
| Trading account gains and fees | $-2,000 | 8,538 |
| Additional Noninterest Income | $139,000 | 4,467 |
| Total noninterest expense | $878,000 | 6,577 |
| Salaries and employee benefits | $457,000 | 6,694 |
| Premises and equipment expense | $192,000 | 5,156 |
| Additional noninterest expense | $229,000 | 6,800 |
| Pre-tax net operating income | $768,000 | 4,106 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $768,000 | 3,614 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $768,000 | 3,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,059 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $768,000 | 3,585 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,216,000 | 5,843 |
| Total interest expense | $467,000 | 6,016 |
| Net interest income | $749,000 | 5,594 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $124,000 | 5,052 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $18,000 | 6,477 |
| Trading account gains and fees | $1,000 | 189 |
| Additional Noninterest Income | $105,000 | 3,680 |
| Total noninterest expense | $442,000 | 6,593 |
| Salaries and employee benefits | $234,000 | 6,692 |
| Premises and equipment expense | $95,000 | 5,198 |
| Additional noninterest expense | $113,000 | 6,845 |
| Pre-tax net operating income | $431,000 | 3,829 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $431,000 | 3,327 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $431,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $431,000 | 3,305 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,069,000 | 6,073 |
| Total interest expense | $1,364,000 | 6,313 |
| Net interest income | $2,705,000 | 5,805 |
| Provision for loan and lease losses | $109,000 | 4,628 |
| Total noninterest income | $224,000 | 6,725 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $89,000 | 6,301 |
| Trading account gains and fees | $-7,000 | 8,654 |
| Additional Noninterest Income | $142,000 | 5,713 |
| Total noninterest expense | $1,680,000 | 6,607 |
| Salaries and employee benefits | $977,000 | 6,463 |
| Premises and equipment expense | $338,000 | 5,421 |
| Additional noninterest expense | $365,000 | 7,233 |
| Pre-tax net operating income | $1,140,000 | 4,899 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,140,000 | 4,398 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,140,000 | 4,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,661 |
| Cash dividends | $590,000 | 3,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,140,000 | 4,379 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,919,000 | 6,207 |
| Total interest expense | $956,000 | 6,416 |
| Net interest income | $1,963,000 | 5,956 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $190,000 | 6,561 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $69,000 | 6,336 |
| Trading account gains and fees | $-7,000 | 8,717 |
| Additional Noninterest Income | $128,000 | 5,415 |
| Total noninterest expense | $1,109,000 | 6,949 |
| Salaries and employee benefits | $602,000 | 6,933 |
| Premises and equipment expense | $241,000 | 5,591 |
| Additional noninterest expense | $266,000 | 7,299 |
| Pre-tax net operating income | $1,044,000 | 4,630 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,044,000 | 4,068 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,044,000 | 4,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,885 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,044,000 | 4,054 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,910,000 | 6,230 |
| Total interest expense | $626,000 | 6,368 |
| Net interest income | $1,284,000 | 6,034 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $139,000 | 6,375 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $47,000 | 6,322 |
| Trading account gains and fees | $-9,000 | 8,753 |
| Additional Noninterest Income | $101,000 | 5,108 |
| Total noninterest expense | $721,000 | 7,034 |
| Salaries and employee benefits | $400,000 | 6,973 |
| Premises and equipment expense | $146,000 | 5,844 |
| Additional noninterest expense | $175,000 | 7,338 |
| Pre-tax net operating income | $702,000 | 4,628 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $702,000 | 4,058 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $702,000 | 4,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $702,000 | 4,046 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $925,000 | 6,290 |
| Total interest expense | $309,000 | 6,323 |
| Net interest income | $616,000 | 6,163 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $88,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $25,000 | 6,215 |
| Trading account gains and fees | $-6,000 | 8,761 |
| Additional Noninterest Income | $69,000 | 4,456 |
| Total noninterest expense | $362,000 | 7,028 |
| Salaries and employee benefits | $199,000 | 7,004 |
| Premises and equipment expense | $72,000 | 5,891 |
| Additional noninterest expense | $91,000 | 7,270 |
| Pre-tax net operating income | $342,000 | 4,641 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $342,000 | 4,072 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $342,000 | 4,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $342,000 | 4,057 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,977,000 | 6,608 |
| Total interest expense | $785,000 | 6,830 |
| Net interest income | $2,192,000 | 6,393 |
| Provision for loan and lease losses | $50,000 | 5,734 |
| Total noninterest income | $224,000 | 6,876 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $97,000 | 6,336 |
| Trading account gains and fees | $-10,000 | 8,807 |
| Additional Noninterest Income | $137,000 | 5,881 |
| Total noninterest expense | $1,461,000 | 6,954 |
| Salaries and employee benefits | $854,000 | 6,772 |
| Premises and equipment expense | $277,000 | 5,944 |
| Additional noninterest expense | $330,000 | 7,468 |
| Pre-tax net operating income | $905,000 | 5,614 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $905,000 | 5,070 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $905,000 | 5,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,815 |
| Cash dividends | $655,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $905,000 | 5,034 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 6,704 |
| Total interest expense | $536,000 | 6,937 |
| Net interest income | $1,608,000 | 6,486 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $183,000 | 6,746 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $75,000 | 6,328 |
| Trading account gains and fees | $-8,000 | 8,834 |
| Additional Noninterest Income | $116,000 | 5,683 |
| Total noninterest expense | $985,000 | 7,192 |
| Salaries and employee benefits | $548,000 | 7,143 |
| Premises and equipment expense | $203,000 | 5,995 |
| Additional noninterest expense | $234,000 | 7,574 |
| Pre-tax net operating income | $806,000 | 5,311 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $806,000 | 4,735 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $806,000 | 4,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,559 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $806,000 | 4,701 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,363,000 | 6,777 |
| Total interest expense | $339,000 | 6,957 |
| Net interest income | $1,024,000 | 6,607 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $142,000 | 6,438 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $51,000 | 6,276 |
| Trading account gains and fees | $-6,000 | 8,837 |
| Additional Noninterest Income | $97,000 | 5,252 |
| Total noninterest expense | $648,000 | 7,234 |
| Salaries and employee benefits | $362,000 | 7,181 |
| Premises and equipment expense | $128,000 | 6,137 |
| Additional noninterest expense | $158,000 | 7,527 |
| Pre-tax net operating income | $518,000 | 5,398 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $518,000 | 4,808 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $518,000 | 4,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $518,000 | 4,754 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $665,000 | 6,858 |
| Total interest expense | $160,000 | 7,042 |
| Net interest income | $505,000 | 6,697 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $83,000 | 6,080 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $-6,000 | 8,900 |
| Additional Noninterest Income | $63,000 | 4,679 |
| Total noninterest expense | $325,000 | 7,279 |
| Salaries and employee benefits | $180,000 | 7,241 |
| Premises and equipment expense | $65,000 | 6,146 |
| Additional noninterest expense | $80,000 | 7,570 |
| Pre-tax net operating income | $263,000 | 5,329 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $263,000 | 4,723 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $263,000 | 4,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $263,000 | 4,686 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,391,000 | 6,998 |
| Total interest expense | $439,000 | 7,541 |
| Net interest income | $1,952,000 | 6,687 |
| Provision for loan and lease losses | $40,000 | 6,168 |
| Total noninterest income | $206,000 | 7,102 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $126,000 | 6,094 |
| Trading account gains and fees | $-2,000 | 8,940 |
| Additional Noninterest Income | $82,000 | 6,739 |
| Total noninterest expense | $1,330,000 | 7,210 |
| Salaries and employee benefits | $784,000 | 6,991 |
| Premises and equipment expense | $258,000 | 6,114 |
| Additional noninterest expense | $288,000 | 7,764 |
| Pre-tax net operating income | $788,000 | 5,828 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-190,000 | 8,801 |
| Income before extraordinary items | $978,000 | 4,764 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $978,000 | 4,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,102 |
| Cash dividends | $728,000 | 2,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $978,000 | 4,685 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,743,000 | 7,084 |
| Total interest expense | $311,000 | 7,645 |
| Net interest income | $1,432,000 | 6,759 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $166,000 | 7,015 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $98,000 | 6,088 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $68,000 | 6,593 |
| Total noninterest expense | $927,000 | 7,345 |
| Salaries and employee benefits | $523,000 | 7,241 |
| Premises and equipment expense | $197,000 | 6,027 |
| Additional noninterest expense | $207,000 | 7,855 |
| Pre-tax net operating income | $671,000 | 5,610 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-190,000 | 8,903 |
| Income before extraordinary items | $861,000 | 4,402 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $861,000 | 4,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $861,000 | 4,328 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,172,000 | 7,096 |
| Total interest expense | $208,000 | 7,706 |
| Net interest income | $964,000 | 6,757 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $116,000 | 6,962 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $66,000 | 6,081 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $50,000 | 6,428 |
| Total noninterest expense | $611,000 | 7,421 |
| Salaries and employee benefits | $351,000 | 7,294 |
| Premises and equipment expense | $124,000 | 6,231 |
| Additional noninterest expense | $136,000 | 7,898 |
| Pre-tax net operating income | $469,000 | 5,468 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-190,000 | 8,990 |
| Income before extraordinary items | $659,000 | 3,989 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $659,000 | 3,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $659,000 | 3,910 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $593,000 | 7,108 |
| Total interest expense | $107,000 | 7,728 |
| Net interest income | $486,000 | 6,763 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $49,000 | 7,241 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $34,000 | 5,974 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $305,000 | 7,464 |
| Salaries and employee benefits | $175,000 | 7,332 |
| Premises and equipment expense | $64,000 | 6,144 |
| Additional noninterest expense | $66,000 | 7,984 |
| Pre-tax net operating income | $230,000 | 5,488 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-190,000 | 9,065 |
| Income before extraordinary items | $420,000 | 3,377 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $420,000 | 3,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $420,000 | 3,256 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,239,000 | 7,329 |
| Total interest expense | $554,000 | 7,560 |
| Net interest income | $1,685,000 | 7,083 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $181,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $134,000 | 6,090 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $47,000 | 7,633 |
| Total noninterest expense | $1,227,000 | 7,424 |
| Salaries and employee benefits | $727,000 | 7,204 |
| Premises and equipment expense | $232,000 | 6,415 |
| Additional noninterest expense | $268,000 | 7,983 |
| Pre-tax net operating income | $639,000 | 6,202 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $9,000 | 7,067 |
| Income before extraordinary items | $630,000 | 5,850 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $630,000 | 5,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $580,000 | 3,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $630,000 | 5,680 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,715,000 | 7,347 |
| Total interest expense | $443,000 | 7,567 |
| Net interest income | $1,272,000 | 7,100 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $131,000 | 7,623 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $100,000 | 6,127 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 7,823 |
| Total noninterest expense | $868,000 | 7,547 |
| Salaries and employee benefits | $494,000 | 7,422 |
| Premises and equipment expense | $173,000 | 6,430 |
| Additional noninterest expense | $201,000 | 7,982 |
| Pre-tax net operating income | $535,000 | 6,139 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $7,000 | 7,163 |
| Income before extraordinary items | $528,000 | 5,704 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $528,000 | 5,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $528,000 | 5,526 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,181,000 | 7,328 |
| Total interest expense | $331,000 | 7,450 |
| Net interest income | $850,000 | 7,115 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $82,000 | 7,729 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $68,000 | 6,077 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $551,000 | 7,691 |
| Salaries and employee benefits | $309,000 | 7,616 |
| Premises and equipment expense | $109,000 | 6,544 |
| Additional noninterest expense | $133,000 | 8,010 |
| Pre-tax net operating income | $381,000 | 5,984 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $5,000 | 7,181 |
| Income before extraordinary items | $376,000 | 5,573 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $376,000 | 5,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $376,000 | 5,362 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $597,000 | 7,329 |
| Total interest expense | $180,000 | 7,362 |
| Net interest income | $417,000 | 7,182 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $41,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $35,000 | 5,954 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $6,000 | 8,357 |
| Total noninterest expense | $280,000 | 7,675 |
| Salaries and employee benefits | $158,000 | 7,587 |
| Premises and equipment expense | $56,000 | 6,474 |
| Additional noninterest expense | $66,000 | 8,054 |
| Pre-tax net operating income | $178,000 | 6,113 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $176,000 | 5,657 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $176,000 | 5,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $176,000 | 5,456 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 7,234 |
| Total interest expense | $818,000 | 7,460 |
| Net interest income | $1,802,000 | 6,955 |
| Provision for loan and lease losses | $1,000 | 8,074 |
| Total noninterest income | $161,000 | 7,707 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $133,000 | 6,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $28,000 | 8,260 |
| Total noninterest expense | $1,177,000 | 7,523 |
| Salaries and employee benefits | $689,000 | 7,319 |
| Premises and equipment expense | $215,000 | 6,592 |
| Additional noninterest expense | $273,000 | 8,002 |
| Pre-tax net operating income | $785,000 | 5,820 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $9,000 | 7,326 |
| Income before extraordinary items | $776,000 | 5,283 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $776,000 | 5,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $696,000 | 2,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $776,000 | 5,151 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,310,000 | 6,923 |
| Total interest expense | $1,471,000 | 7,038 |
| Net interest income | $1,839,000 | 6,724 |
| Provision for loan and lease losses | $3,000 | 8,160 |
| Total noninterest income | $142,000 | 7,947 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $108,000 | 6,430 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $34,000 | 8,222 |
| Total noninterest expense | $1,139,000 | 7,606 |
| Salaries and employee benefits | $665,000 | 7,353 |
| Premises and equipment expense | $209,000 | 6,674 |
| Additional noninterest expense | $265,000 | 8,115 |
| Pre-tax net operating income | $839,000 | 5,367 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $9,000 | 7,619 |
| Income before extraordinary items | $830,000 | 4,785 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $830,000 | 4,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,995 |
| Cash dividends | $685,000 | 2,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $830,000 | 4,658 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,674,000 | 6,761 |
| Total interest expense | $1,742,000 | 6,714 |
| Net interest income | $1,932,000 | 6,676 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $126,000 | 8,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,608 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 8,628 |
| Total noninterest expense | $1,130,000 | 7,665 |
| Salaries and employee benefits | $656,000 | 7,400 |
| Premises and equipment expense | $211,000 | 6,596 |
| Additional noninterest expense | $263,000 | 8,235 |
| Pre-tax net operating income | $928,000 | 5,458 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $9,000 | 8,091 |
| Income before extraordinary items | $919,000 | 4,627 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $919,000 | 4,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 9,146 |
| Cash dividends | $893,000 | 2,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $919,000 | 4,626 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,341,000 | 6,995 |
| Total interest expense | $1,558,000 | 6,827 |
| Net interest income | $1,783,000 | 7,036 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $124,000 | 8,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 6,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 8,834 |
| Total noninterest expense | $1,110,000 | 7,816 |
| Salaries and employee benefits | $639,000 | 7,549 |
| Premises and equipment expense | $224,000 | 6,435 |
| Additional noninterest expense | $247,000 | 8,585 |
| Pre-tax net operating income | $797,000 | 5,946 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $194,000 | 5,775 |
| Income before extraordinary items | $603,000 | 5,881 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $603,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 9,384 |
| Cash dividends | $553,000 | 3,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $603,000 | 5,858 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 7,053 |
| Total interest expense | $1,635,000 | 6,907 |
| Net interest income | $1,770,000 | 7,116 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $137,000 | 8,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 6,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,816 |
| Total noninterest expense | $1,109,000 | 7,798 |
| Salaries and employee benefits | $637,000 | 7,550 |
| Premises and equipment expense | $230,000 | 6,261 |
| Additional noninterest expense | $242,000 | 8,682 |
| Pre-tax net operating income | $798,000 | 6,100 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $250,000 | 5,646 |
| Income before extraordinary items | $548,000 | 6,335 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $548,000 | 6,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,764 |
| Cash dividends | $498,000 | 3,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $548,000 | 6,223 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,834,000 | 6,811 |
| Total interest expense | $1,854,000 | 6,555 |
| Net interest income | $1,980,000 | 6,953 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $147,000 | 8,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 6,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 9,280 |
| Total noninterest expense | $1,226,000 | 7,582 |
| Salaries and employee benefits | $706,000 | 7,285 |
| Premises and equipment expense | $244,000 | 6,139 |
| Additional noninterest expense | $276,000 | 8,581 |
| Pre-tax net operating income | $901,000 | 6,147 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $292,000 | 5,803 |
| Income before extraordinary items | $609,000 | 6,310 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $609,000 | 6,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $559,000 | 3,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $609,000 | 6,253 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,729,000 | 7,121 |
| Total interest expense | $1,757,000 | 6,945 |
| Net interest income | $1,972,000 | 7,206 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $147,000 | 9,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,197 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 9,697 |
| Total noninterest expense | $1,189,000 | 8,014 |
| Salaries and employee benefits | $689,000 | 7,599 |
| Premises and equipment expense | $263,000 | 6,065 |
| Additional noninterest expense | $237,000 | 9,540 |
| Pre-tax net operating income | $930,000 | 5,989 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $305,000 | 5,774 |
| Income before extraordinary items | $625,000 | 6,120 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $625,000 | 6,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,018 |
| Cash dividends | $610,000 | 2,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $625,000 | 6,067 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,807,000 | 7,205 |
| Total interest expense | $1,716,000 | 7,099 |
| Net interest income | $2,091,000 | 7,100 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $134,000 | 9,586 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,398 |
| Total noninterest expense | $1,268,000 | 7,957 |
| Salaries and employee benefits | $714,000 | 7,633 |
| Premises and equipment expense | $261,000 | 6,181 |
| Additional noninterest expense | $293,000 | 9,311 |
| Pre-tax net operating income | $957,000 | 6,168 |
| Securities gains (losses) | $-13,000 | 10,273 |
| Applicable income taxes | $312,000 | 5,860 |
| Income before extraordinary items | $632,000 | 6,419 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $632,000 | 6,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 11,314 |
| Cash dividends | $530,000 | 3,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $640,710 | 6,358 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,471,000 | 7,370 |
| Total interest expense | $1,344,000 | 7,414 |
| Net interest income | $2,127,000 | 7,251 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $126,000 | 10,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,986 |
| Total noninterest expense | $1,333,000 | 8,136 |
| Salaries and employee benefits | $721,000 | 7,723 |
| Premises and equipment expense | $261,000 | 6,340 |
| Additional noninterest expense | $351,000 | 9,331 |
| Pre-tax net operating income | $840,000 | 6,679 |
| Securities gains (losses) | $54,000 | 1,106 |
| Applicable income taxes | $294,000 | 5,955 |
| Income before extraordinary items | $600,000 | 6,542 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $600,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,289 |
| Cash dividends | $490,000 | 3,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $563,820 | 6,857 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,747,000 | 7,202 |
| Total interest expense | $1,458,000 | 7,343 |
| Net interest income | $2,289,000 | 6,950 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $152,000 | 10,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 7,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,982 |
| Total noninterest expense | $1,469,000 | 7,934 |
| Salaries and employee benefits | $737,000 | 7,732 |
| Premises and equipment expense | $237,000 | 6,945 |
| Additional noninterest expense | $495,000 | 8,262 |
| Pre-tax net operating income | $972,000 | 6,012 |
| Securities gains (losses) | $12,000 | 5,266 |
| Applicable income taxes | $328,000 | 5,755 |
| Income before extraordinary items | $656,000 | 6,389 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $656,000 | 6,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $500,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $647,960 | 6,205 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,361,000 | 7,056 |
| Total interest expense | $1,881,000 | 7,398 |
| Net interest income | $2,480,000 | 6,646 |
| Provision for loan and lease losses | $4,000 | 11,584 |
| Total noninterest income | $177,000 | 9,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 7,416 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $1,466,000 | 8,040 |
| Salaries and employee benefits | $729,000 | 7,776 |
| Premises and equipment expense | $218,000 | 7,441 |
| Additional noninterest expense | $519,000 | 8,275 |
| Pre-tax net operating income | $1,187,000 | 4,959 |
| Securities gains (losses) | $-23,000 | 13,513 |
| Applicable income taxes | $397,000 | 4,820 |
| Income before extraordinary items | $767,000 | 5,535 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $767,000 | 5,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $620,000 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $782,180 | 5,137 |
* 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.