Home > The First National Bank of Danville > Income and Expense
The First National Bank of Danville, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,624,000 | 4,173 |
| Total interest expense | $740,000 | 5,446 |
| Net interest income | $2,884,000 | 3,570 |
| Provision for loan and lease losses | $4,620,000 | 795 |
| Total noninterest income | $1,638,000 | 1,543 |
| Gross Fiduciary activities income | $545,000 | 368 |
| Service charges on deposit accounts | $464,000 | 1,782 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $629,000 | 1,932 |
| Total noninterest expense | $3,950,000 | 2,527 |
| Salaries and employee benefits | $1,616,000 | 3,055 |
| Premises and equipment expense | $611,000 | 2,225 |
| Additional noninterest expense | $1,723,000 | 2,052 |
| Pre-tax net operating income | $-4,048,000 | 7,665 |
| Securities gains (losses) | $-7,972,000 | 8,140 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-12,020,000 | 7,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-12,020,000 | 7,973 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-12,020,000 | 7,973 |
| Net charge-offs | $6,547,000 | 496 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,048,000 | 7,738 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,829,000 | 4,190 |
| Total interest expense | $368,000 | 5,559 |
| Net interest income | $1,461,000 | 3,529 |
| Provision for loan and lease losses | $100,000 | 3,845 |
| Total noninterest income | $765,000 | 1,600 |
| Gross Fiduciary activities income | $221,000 | 413 |
| Service charges on deposit accounts | $223,000 | 1,794 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $321,000 | 1,865 |
| Total noninterest expense | $1,694,000 | 2,821 |
| Salaries and employee benefits | $742,000 | 3,302 |
| Premises and equipment expense | $311,000 | 2,233 |
| Additional noninterest expense | $641,000 | 2,417 |
| Pre-tax net operating income | $432,000 | 2,655 |
| Securities gains (losses) | $-7,850,000 | 8,218 |
| Applicable income taxes | $17,000 | 3,673 |
| Income before extraordinary items | $-7,435,000 | 8,097 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-7,435,000 | 8,097 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-7,435,000 | 8,097 |
| Net charge-offs | $48,000 | 3,603 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $415,000 | 2,346 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,542,000 | 3,392 |
| Total interest expense | $2,989,000 | 4,265 |
| Net interest income | $7,553,000 | 2,854 |
| Provision for loan and lease losses | $4,880,000 | 1,017 |
| Total noninterest income | $3,250,000 | 1,474 |
| Gross Fiduciary activities income | $1,150,000 | 376 |
| Service charges on deposit accounts | $1,063,000 | 1,674 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,037,000 | 2,072 |
| Total noninterest expense | $6,863,000 | 2,728 |
| Salaries and employee benefits | $3,322,000 | 2,970 |
| Premises and equipment expense | $1,281,000 | 2,109 |
| Additional noninterest expense | $2,260,000 | 2,551 |
| Pre-tax net operating income | $-940,000 | 6,984 |
| Securities gains (losses) | $-3,172,000 | 8,009 |
| Applicable income taxes | $-1,215,000 | 7,771 |
| Income before extraordinary items | $-2,897,000 | 7,589 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,897,000 | 7,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 4,586 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-676,600 | 6,940 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,675,000 | 3,199 |
| Total interest expense | $2,514,000 | 4,066 |
| Net interest income | $6,161,000 | 2,665 |
| Provision for loan and lease losses | $260,000 | 3,789 |
| Total noninterest income | $2,604,000 | 1,464 |
| Gross Fiduciary activities income | $893,000 | 370 |
| Service charges on deposit accounts | $802,000 | 1,664 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $909,000 | 1,949 |
| Total noninterest expense | $5,112,000 | 2,728 |
| Salaries and employee benefits | $2,430,000 | 3,071 |
| Premises and equipment expense | $971,000 | 2,097 |
| Additional noninterest expense | $1,711,000 | 2,479 |
| Pre-tax net operating income | $3,393,000 | 1,441 |
| Securities gains (losses) | $-1,048,000 | 7,942 |
| Applicable income taxes | $798,000 | 1,372 |
| Income before extraordinary items | $1,547,000 | 2,267 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,547,000 | 2,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,182 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,238,680 | 1,704 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,896,000 | 3,198 |
| Total interest expense | $1,941,000 | 3,817 |
| Net interest income | $3,955,000 | 2,730 |
| Provision for loan and lease losses | $260,000 | 2,752 |
| Total noninterest income | $1,705,000 | 1,493 |
| Gross Fiduciary activities income | $649,000 | 361 |
| Service charges on deposit accounts | $520,000 | 1,696 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $536,000 | 2,132 |
| Total noninterest expense | $3,439,000 | 2,724 |
| Salaries and employee benefits | $1,676,000 | 2,994 |
| Premises and equipment expense | $645,000 | 2,087 |
| Additional noninterest expense | $1,118,000 | 2,489 |
| Pre-tax net operating income | $1,961,000 | 1,717 |
| Securities gains (losses) | $-623,000 | 8,357 |
| Applicable income taxes | $437,000 | 1,759 |
| Income before extraordinary items | $901,000 | 2,799 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $901,000 | 2,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,095 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,318,410 | 1,976 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,200,000 | 3,044 |
| Total interest expense | $1,198,000 | 3,459 |
| Net interest income | $2,002,000 | 2,700 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $821,000 | 1,537 |
| Gross Fiduciary activities income | $320,000 | 367 |
| Service charges on deposit accounts | $253,000 | 1,715 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $248,000 | 2,238 |
| Total noninterest expense | $1,673,000 | 2,774 |
| Salaries and employee benefits | $785,000 | 3,222 |
| Premises and equipment expense | $323,000 | 2,101 |
| Additional noninterest expense | $565,000 | 2,436 |
| Pre-tax net operating income | $1,150,000 | 1,578 |
| Securities gains (losses) | $163,000 | 511 |
| Applicable income taxes | $462,000 | 1,080 |
| Income before extraordinary items | $851,000 | 1,731 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $851,000 | 1,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,293 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $745,050 | 1,861 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,551,000 | 2,941 |
| Total interest expense | $5,481,000 | 3,224 |
| Net interest income | $8,070,000 | 2,702 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $3,216,000 | 1,560 |
| Gross Fiduciary activities income | $1,082,000 | 400 |
| Service charges on deposit accounts | $1,149,000 | 1,564 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $985,000 | 2,235 |
| Total noninterest expense | $7,705,000 | 2,369 |
| Salaries and employee benefits | $3,815,000 | 2,601 |
| Premises and equipment expense | $1,335,000 | 1,954 |
| Additional noninterest expense | $2,555,000 | 2,140 |
| Pre-tax net operating income | $3,581,000 | 2,163 |
| Securities gains (losses) | $-2,764,000 | 8,472 |
| Applicable income taxes | $135,000 | 4,224 |
| Income before extraordinary items | $682,000 | 5,103 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $682,000 | 5,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,156 |
| Cash dividends | $1,550,000 | 1,953 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,976,120 | 2,049 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,303,000 | 2,910 |
| Total interest expense | $4,201,000 | 3,182 |
| Net interest income | $6,102,000 | 2,694 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $2,406,000 | 1,568 |
| Gross Fiduciary activities income | $820,000 | 392 |
| Service charges on deposit accounts | $857,000 | 1,537 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $729,000 | 2,252 |
| Total noninterest expense | $5,304,000 | 2,551 |
| Salaries and employee benefits | $2,537,000 | 2,884 |
| Premises and equipment expense | $977,000 | 1,985 |
| Additional noninterest expense | $1,790,000 | 2,221 |
| Pre-tax net operating income | $3,204,000 | 1,993 |
| Securities gains (losses) | $-44,000 | 8,144 |
| Applicable income taxes | $1,090,000 | 1,545 |
| Income before extraordinary items | $2,070,000 | 2,310 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,070,000 | 2,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,644 |
| Cash dividends | $450,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,099,040 | 2,266 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,783,000 | 2,962 |
| Total interest expense | $2,794,000 | 3,180 |
| Net interest income | $3,989,000 | 2,763 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,589,000 | 1,600 |
| Gross Fiduciary activities income | $579,000 | 384 |
| Service charges on deposit accounts | $555,000 | 1,584 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $455,000 | 2,387 |
| Total noninterest expense | $3,530,000 | 2,590 |
| Salaries and employee benefits | $1,745,000 | 2,845 |
| Premises and equipment expense | $648,000 | 2,005 |
| Additional noninterest expense | $1,137,000 | 2,338 |
| Pre-tax net operating income | $2,048,000 | 2,112 |
| Securities gains (losses) | $-44,000 | 8,281 |
| Applicable income taxes | $686,000 | 1,682 |
| Income before extraordinary items | $1,318,000 | 2,452 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,318,000 | 2,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,912 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,347,040 | 2,388 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,258,000 | 3,051 |
| Total interest expense | $1,368,000 | 3,211 |
| Net interest income | $1,890,000 | 2,901 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $830,000 | 1,518 |
| Gross Fiduciary activities income | $324,000 | 359 |
| Service charges on deposit accounts | $244,000 | 1,747 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $262,000 | 2,149 |
| Total noninterest expense | $1,693,000 | 2,683 |
| Salaries and employee benefits | $817,000 | 3,035 |
| Premises and equipment expense | $314,000 | 2,072 |
| Additional noninterest expense | $562,000 | 2,346 |
| Pre-tax net operating income | $1,027,000 | 2,120 |
| Securities gains (losses) | $-44,000 | 8,483 |
| Applicable income taxes | $335,000 | 1,723 |
| Income before extraordinary items | $648,000 | 2,484 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $648,000 | 2,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $677,040 | 2,379 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,761,000 | 2,937 |
| Total interest expense | $5,092,000 | 2,984 |
| Net interest income | $7,669,000 | 2,864 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $2,863,000 | 1,701 |
| Gross Fiduciary activities income | $930,000 | 424 |
| Service charges on deposit accounts | $985,000 | 1,774 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $948,000 | 2,312 |
| Total noninterest expense | $7,755,000 | 2,275 |
| Salaries and employee benefits | $3,917,000 | 2,486 |
| Premises and equipment expense | $1,166,000 | 2,120 |
| Additional noninterest expense | $2,672,000 | 1,983 |
| Pre-tax net operating income | $2,777,000 | 2,922 |
| Securities gains (losses) | $-134,000 | 8,286 |
| Applicable income taxes | $811,000 | 2,459 |
| Income before extraordinary items | $1,832,000 | 3,300 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,832,000 | 3,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,284 |
| Cash dividends | $1,150,000 | 2,332 |
| Sale, conversion, retirement of capital stock, net | $-176,000 | 8,610 |
| Net operating income | $1,924,460 | 3,168 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,419,000 | 2,951 |
| Total interest expense | $3,656,000 | 3,014 |
| Net interest income | $5,763,000 | 2,883 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,940,000 | 1,845 |
| Gross Fiduciary activities income | $681,000 | 433 |
| Service charges on deposit accounts | $693,000 | 1,874 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $566,000 | 2,674 |
| Total noninterest expense | $5,255,000 | 2,504 |
| Salaries and employee benefits | $2,666,000 | 2,707 |
| Premises and equipment expense | $813,000 | 2,289 |
| Additional noninterest expense | $1,776,000 | 2,198 |
| Pre-tax net operating income | $2,448,000 | 2,700 |
| Securities gains (losses) | $-119,000 | 8,447 |
| Applicable income taxes | $740,000 | 2,318 |
| Income before extraordinary items | $1,589,000 | 3,079 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,589,000 | 3,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 1,811 |
| Cash dividends | $1,150,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $-176,000 | 8,697 |
| Net operating income | $1,669,920 | 2,947 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,153,000 | 2,963 |
| Total interest expense | $2,269,000 | 3,070 |
| Net interest income | $3,884,000 | 2,857 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,298,000 | 1,839 |
| Gross Fiduciary activities income | $465,000 | 429 |
| Service charges on deposit accounts | $446,000 | 1,915 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $387,000 | 2,610 |
| Total noninterest expense | $3,543,000 | 2,493 |
| Salaries and employee benefits | $1,841,000 | 2,627 |
| Premises and equipment expense | $532,000 | 2,332 |
| Additional noninterest expense | $1,170,000 | 2,223 |
| Pre-tax net operating income | $1,639,000 | 2,696 |
| Securities gains (losses) | $-76,000 | 8,471 |
| Applicable income taxes | $497,000 | 2,320 |
| Income before extraordinary items | $1,066,000 | 3,066 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,066,000 | 3,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,179 |
| Cash dividends | $1,150,000 | 1,287 |
| Sale, conversion, retirement of capital stock, net | $-176,000 | 8,738 |
| Net operating income | $1,117,680 | 2,939 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,041,000 | 2,935 |
| Total interest expense | $1,043,000 | 3,154 |
| Net interest income | $1,998,000 | 2,785 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $588,000 | 1,959 |
| Gross Fiduciary activities income | $219,000 | 449 |
| Service charges on deposit accounts | $201,000 | 2,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $168,000 | 2,773 |
| Total noninterest expense | $1,706,000 | 2,587 |
| Salaries and employee benefits | $860,000 | 2,798 |
| Premises and equipment expense | $268,000 | 2,325 |
| Additional noninterest expense | $578,000 | 2,232 |
| Pre-tax net operating income | $880,000 | 2,508 |
| Securities gains (losses) | $-75,000 | 8,625 |
| Applicable income taxes | $258,000 | 2,220 |
| Income before extraordinary items | $547,000 | 2,939 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $547,000 | 2,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $575,000 | 1,213 |
| Sale, conversion, retirement of capital stock, net | $-176,000 | 8,758 |
| Net operating income | $598,000 | 2,733 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,919,000 | 3,169 |
| Total interest expense | $3,070,000 | 3,267 |
| Net interest income | $6,849,000 | 3,092 |
| Provision for loan and lease losses | $41,000 | 5,955 |
| Total noninterest income | $2,033,000 | 2,182 |
| Gross Fiduciary activities income | $834,000 | 437 |
| Service charges on deposit accounts | $731,000 | 2,272 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $468,000 | 3,496 |
| Total noninterest expense | $6,825,000 | 2,438 |
| Salaries and employee benefits | $3,545,000 | 2,570 |
| Premises and equipment expense | $986,000 | 2,393 |
| Additional noninterest expense | $2,294,000 | 2,181 |
| Pre-tax net operating income | $2,016,000 | 3,671 |
| Securities gains (losses) | $-88,000 | 8,386 |
| Applicable income taxes | $524,000 | 3,292 |
| Income before extraordinary items | $1,404,000 | 3,947 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,404,000 | 3,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 1,175 |
| Cash dividends | $2,888,000 | 1,074 |
| Sale, conversion, retirement of capital stock, net | $8,700,000 | 217 |
| Net operating income | $1,468,240 | 3,802 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,821,000 | 3,340 |
| Total interest expense | $1,925,000 | 3,613 |
| Net interest income | $4,896,000 | 3,197 |
| Provision for loan and lease losses | $41,000 | 5,531 |
| Total noninterest income | $1,453,000 | 2,264 |
| Gross Fiduciary activities income | $639,000 | 426 |
| Service charges on deposit accounts | $522,000 | 2,355 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $292,000 | 3,848 |
| Total noninterest expense | $4,574,000 | 2,677 |
| Salaries and employee benefits | $2,309,000 | 2,871 |
| Premises and equipment expense | $710,000 | 2,478 |
| Additional noninterest expense | $1,555,000 | 2,360 |
| Pre-tax net operating income | $1,734,000 | 3,402 |
| Securities gains (losses) | $-7,000 | 7,795 |
| Applicable income taxes | $522,000 | 2,860 |
| Income before extraordinary items | $1,205,000 | 3,655 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,205,000 | 3,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 1,862 |
| Cash dividends | $2,888,000 | 783 |
| Sale, conversion, retirement of capital stock, net | $8,700,000 | 153 |
| Net operating income | $1,209,900 | 3,615 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,380,000 | 3,375 |
| Total interest expense | $1,168,000 | 3,692 |
| Net interest income | $3,212,000 | 3,212 |
| Provision for loan and lease losses | $41,000 | 4,838 |
| Total noninterest income | $926,000 | 2,307 |
| Gross Fiduciary activities income | $457,000 | 409 |
| Service charges on deposit accounts | $330,000 | 2,423 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $139,000 | 4,488 |
| Total noninterest expense | $2,899,000 | 2,791 |
| Salaries and employee benefits | $1,440,000 | 3,035 |
| Premises and equipment expense | $458,000 | 2,533 |
| Additional noninterest expense | $1,001,000 | 2,425 |
| Pre-tax net operating income | $1,198,000 | 3,252 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $369,000 | 2,738 |
| Income before extraordinary items | $829,000 | 3,556 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $829,000 | 3,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,569 |
| Cash dividends | $388,000 | 2,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $829,000 | 3,508 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,199,000 | 3,340 |
| Total interest expense | $584,000 | 3,579 |
| Net interest income | $1,615,000 | 3,201 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $554,000 | 1,985 |
| Gross Fiduciary activities income | $218,000 | 425 |
| Service charges on deposit accounts | $156,000 | 2,474 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $180,000 | 2,653 |
| Total noninterest expense | $1,422,000 | 2,848 |
| Salaries and employee benefits | $724,000 | 3,030 |
| Premises and equipment expense | $224,000 | 2,597 |
| Additional noninterest expense | $474,000 | 2,562 |
| Pre-tax net operating income | $735,000 | 2,749 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $237,000 | 2,344 |
| Income before extraordinary items | $498,000 | 3,056 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $498,000 | 3,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $388,000 | 1,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $498,000 | 3,013 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,138,000 | 3,366 |
| Total interest expense | $1,568,000 | 4,399 |
| Net interest income | $6,570,000 | 3,053 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,218,000 | 2,048 |
| Gross Fiduciary activities income | $835,000 | 417 |
| Service charges on deposit accounts | $707,000 | 2,354 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $676,000 | 2,765 |
| Total noninterest expense | $6,414,000 | 2,491 |
| Salaries and employee benefits | $3,369,000 | 2,569 |
| Premises and equipment expense | $939,000 | 2,427 |
| Additional noninterest expense | $2,106,000 | 2,310 |
| Pre-tax net operating income | $2,374,000 | 3,129 |
| Securities gains (losses) | $329,000 | 597 |
| Applicable income taxes | $895,000 | 2,352 |
| Income before extraordinary items | $1,808,000 | 3,179 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,808,000 | 3,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,978 |
| Cash dividends | $1,910,000 | 1,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,587,570 | 3,417 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,939,000 | 3,414 |
| Total interest expense | $1,059,000 | 4,634 |
| Net interest income | $4,880,000 | 3,067 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,676,000 | 2,039 |
| Gross Fiduciary activities income | $644,000 | 414 |
| Service charges on deposit accounts | $523,000 | 2,407 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $509,000 | 2,768 |
| Total noninterest expense | $4,482,000 | 2,622 |
| Salaries and employee benefits | $2,287,000 | 2,776 |
| Premises and equipment expense | $689,000 | 2,454 |
| Additional noninterest expense | $1,506,000 | 2,383 |
| Pre-tax net operating income | $2,074,000 | 2,788 |
| Securities gains (losses) | $-30,000 | 8,730 |
| Applicable income taxes | $685,000 | 2,353 |
| Income before extraordinary items | $1,359,000 | 3,225 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,359,000 | 3,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $1,432,000 | 1,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,378,800 | 3,110 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,029,000 | 3,366 |
| Total interest expense | $698,000 | 4,678 |
| Net interest income | $3,331,000 | 2,994 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,190,000 | 1,938 |
| Gross Fiduciary activities income | $491,000 | 388 |
| Service charges on deposit accounts | $346,000 | 2,422 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $353,000 | 2,714 |
| Total noninterest expense | $2,952,000 | 2,652 |
| Salaries and employee benefits | $1,478,000 | 2,869 |
| Premises and equipment expense | $458,000 | 2,459 |
| Additional noninterest expense | $1,016,000 | 2,361 |
| Pre-tax net operating income | $1,569,000 | 2,495 |
| Securities gains (losses) | $-29,000 | 8,850 |
| Applicable income taxes | $525,000 | 2,123 |
| Income before extraordinary items | $1,015,000 | 2,900 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,015,000 | 2,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $955,000 | 1,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,034,140 | 2,771 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,050,000 | 3,326 |
| Total interest expense | $363,000 | 4,606 |
| Net interest income | $1,687,000 | 2,946 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $636,000 | 1,787 |
| Gross Fiduciary activities income | $282,000 | 364 |
| Service charges on deposit accounts | $170,000 | 2,405 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $184,000 | 2,617 |
| Total noninterest expense | $1,477,000 | 2,667 |
| Salaries and employee benefits | $777,000 | 2,763 |
| Premises and equipment expense | $220,000 | 2,567 |
| Additional noninterest expense | $480,000 | 2,461 |
| Pre-tax net operating income | $846,000 | 2,321 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $292,000 | 1,969 |
| Income before extraordinary items | $554,000 | 2,700 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $554,000 | 2,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,801 |
| Cash dividends | $477,000 | 1,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $554,000 | 2,604 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,598,000 | 3,228 |
| Total interest expense | $1,485,000 | 4,898 |
| Net interest income | $7,113,000 | 2,717 |
| Provision for loan and lease losses | $228,000 | 3,783 |
| Total noninterest income | $2,356,000 | 2,050 |
| Gross Fiduciary activities income | $874,000 | 412 |
| Service charges on deposit accounts | $731,000 | 2,279 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $751,000 | 2,841 |
| Total noninterest expense | $6,732,000 | 2,327 |
| Salaries and employee benefits | $3,536,000 | 2,384 |
| Premises and equipment expense | $784,000 | 2,812 |
| Additional noninterest expense | $2,412,000 | 1,990 |
| Pre-tax net operating income | $2,509,000 | 2,877 |
| Securities gains (losses) | $689,000 | 615 |
| Applicable income taxes | $1,105,000 | 2,052 |
| Income before extraordinary items | $2,093,000 | 2,764 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,093,000 | 2,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,806 |
| Cash dividends | $2,210,000 | 1,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,645,150 | 3,176 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,432,000 | 3,277 |
| Total interest expense | $1,108,000 | 5,057 |
| Net interest income | $5,324,000 | 2,738 |
| Provision for loan and lease losses | $228,000 | 3,038 |
| Total noninterest income | $1,841,000 | 2,027 |
| Gross Fiduciary activities income | $668,000 | 412 |
| Service charges on deposit accounts | $545,000 | 2,304 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $628,000 | 2,754 |
| Total noninterest expense | $4,714,000 | 2,498 |
| Salaries and employee benefits | $2,472,000 | 2,550 |
| Premises and equipment expense | $567,000 | 2,899 |
| Additional noninterest expense | $1,675,000 | 2,144 |
| Pre-tax net operating income | $2,223,000 | 2,623 |
| Securities gains (losses) | $685,000 | 563 |
| Applicable income taxes | $1,031,000 | 1,817 |
| Income before extraordinary items | $1,877,000 | 2,462 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,877,000 | 2,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,140 |
| Cash dividends | $1,583,000 | 1,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,431,750 | 2,923 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,296,000 | 3,297 |
| Total interest expense | $754,000 | 5,113 |
| Net interest income | $3,542,000 | 2,740 |
| Provision for loan and lease losses | $168,000 | 2,842 |
| Total noninterest income | $1,275,000 | 1,955 |
| Gross Fiduciary activities income | $471,000 | 407 |
| Service charges on deposit accounts | $353,000 | 2,325 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $451,000 | 2,605 |
| Total noninterest expense | $3,100,000 | 2,516 |
| Salaries and employee benefits | $1,623,000 | 2,587 |
| Premises and equipment expense | $365,000 | 2,980 |
| Additional noninterest expense | $1,112,000 | 2,149 |
| Pre-tax net operating income | $1,549,000 | 2,523 |
| Securities gains (losses) | $289,000 | 823 |
| Applicable income taxes | $649,000 | 1,935 |
| Income before extraordinary items | $1,189,000 | 2,600 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,189,000 | 2,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 1,483 |
| Cash dividends | $1,055,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,001,150 | 2,822 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 3,329 |
| Total interest expense | $402,000 | 5,022 |
| Net interest income | $1,742,000 | 2,782 |
| Provision for loan and lease losses | $2,000 | 6,798 |
| Total noninterest income | $597,000 | 2,006 |
| Gross Fiduciary activities income | $215,000 | 434 |
| Service charges on deposit accounts | $174,000 | 2,278 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $208,000 | 2,655 |
| Total noninterest expense | $1,580,000 | 2,456 |
| Salaries and employee benefits | $880,000 | 2,393 |
| Premises and equipment expense | $181,000 | 3,001 |
| Additional noninterest expense | $519,000 | 2,259 |
| Pre-tax net operating income | $757,000 | 2,582 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $261,000 | 2,261 |
| Income before extraordinary items | $496,000 | 2,965 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $496,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,091 |
| Cash dividends | $528,000 | 1,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $496,000 | 2,824 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,995,000 | 3,297 |
| Total interest expense | $1,784,000 | 5,184 |
| Net interest income | $7,211,000 | 2,646 |
| Provision for loan and lease losses | $602,000 | 2,050 |
| Total noninterest income | $2,011,000 | 2,120 |
| Gross Fiduciary activities income | $707,000 | 473 |
| Service charges on deposit accounts | $751,000 | 2,114 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $553,000 | 3,104 |
| Total noninterest expense | $6,174,000 | 2,403 |
| Salaries and employee benefits | $3,092,000 | 2,550 |
| Premises and equipment expense | $762,000 | 2,785 |
| Additional noninterest expense | $2,320,000 | 1,997 |
| Pre-tax net operating income | $2,446,000 | 2,930 |
| Securities gains (losses) | $785,000 | 491 |
| Applicable income taxes | $1,127,000 | 2,018 |
| Income before extraordinary items | $2,104,000 | 2,694 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,104,000 | 2,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $565,000 | 1,513 |
| Cash dividends | $1,710,000 | 1,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,593,750 | 3,247 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,121,000 | 3,601 |
| Total interest expense | $3,177,000 | 4,519 |
| Net interest income | $5,944,000 | 2,966 |
| Provision for loan and lease losses | $222,000 | 3,908 |
| Total noninterest income | $2,082,000 | 1,957 |
| Gross Fiduciary activities income | $790,000 | 468 |
| Service charges on deposit accounts | $743,000 | 2,038 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $549,000 | 2,977 |
| Total noninterest expense | $5,494,000 | 2,575 |
| Salaries and employee benefits | $2,733,000 | 2,735 |
| Premises and equipment expense | $822,000 | 2,561 |
| Additional noninterest expense | $1,939,000 | 2,305 |
| Pre-tax net operating income | $2,310,000 | 2,840 |
| Securities gains (losses) | $15,000 | 3,362 |
| Applicable income taxes | $769,000 | 2,504 |
| Income before extraordinary items | $1,556,000 | 3,136 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,556,000 | 3,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,421 |
| Cash dividends | $1,368,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,545,950 | 3,057 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,571,000 | 3,537 |
| Total interest expense | $4,030,000 | 3,952 |
| Net interest income | $5,541,000 | 3,174 |
| Provision for loan and lease losses | $219,000 | 3,546 |
| Total noninterest income | $1,915,000 | 1,929 |
| Gross Fiduciary activities income | $870,000 | 448 |
| Service charges on deposit accounts | $649,000 | 2,129 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $396,000 | 3,369 |
| Total noninterest expense | $5,366,000 | 2,538 |
| Salaries and employee benefits | $2,647,000 | 2,692 |
| Premises and equipment expense | $865,000 | 2,389 |
| Additional noninterest expense | $1,854,000 | 2,315 |
| Pre-tax net operating income | $1,871,000 | 3,483 |
| Securities gains (losses) | $-148,000 | 9,514 |
| Applicable income taxes | $517,000 | 3,415 |
| Income before extraordinary items | $1,206,000 | 3,849 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,206,000 | 3,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,325 |
| Cash dividends | $1,465,000 | 1,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,309,600 | 3,601 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,223,000 | 3,457 |
| Total interest expense | $4,100,000 | 3,516 |
| Net interest income | $5,123,000 | 3,384 |
| Provision for loan and lease losses | $242,000 | 3,112 |
| Total noninterest income | $1,912,000 | 1,919 |
| Gross Fiduciary activities income | $847,000 | 499 |
| Service charges on deposit accounts | $661,000 | 2,009 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $404,000 | 3,393 |
| Total noninterest expense | $5,405,000 | 2,502 |
| Salaries and employee benefits | $2,789,000 | 2,515 |
| Premises and equipment expense | $817,000 | 2,484 |
| Additional noninterest expense | $1,799,000 | 2,423 |
| Pre-tax net operating income | $1,388,000 | 4,321 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $387,000 | 4,254 |
| Income before extraordinary items | $1,007,000 | 4,418 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,007,000 | 4,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,249 |
| Cash dividends | $1,117,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,002,680 | 4,396 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,369,000 | 3,428 |
| Total interest expense | $4,340,000 | 3,416 |
| Net interest income | $5,029,000 | 3,367 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,952,000 | 1,876 |
| Gross Fiduciary activities income | $891,000 | 489 |
| Service charges on deposit accounts | $596,000 | 2,152 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $465,000 | 3,113 |
| Total noninterest expense | $5,215,000 | 2,498 |
| Salaries and employee benefits | $2,495,000 | 2,723 |
| Premises and equipment expense | $884,000 | 2,205 |
| Additional noninterest expense | $1,836,000 | 2,276 |
| Pre-tax net operating income | $1,766,000 | 3,694 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $533,000 | 3,691 |
| Income before extraordinary items | $1,242,000 | 3,820 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,242,000 | 3,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $1,710,000 | 1,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,235,700 | 3,746 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,248,000 | 3,494 |
| Total interest expense | $4,137,000 | 3,549 |
| Net interest income | $5,111,000 | 3,418 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,789,000 | 1,938 |
| Gross Fiduciary activities income | $870,000 | 512 |
| Service charges on deposit accounts | $539,000 | 2,447 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $380,000 | 3,400 |
| Total noninterest expense | $5,047,000 | 2,543 |
| Salaries and employee benefits | $2,335,000 | 2,835 |
| Premises and equipment expense | $881,000 | 2,231 |
| Additional noninterest expense | $1,831,000 | 2,274 |
| Pre-tax net operating income | $1,853,000 | 3,771 |
| Securities gains (losses) | $80,000 | 1,088 |
| Applicable income taxes | $571,000 | 3,825 |
| Income before extraordinary items | $1,362,000 | 3,649 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,362,000 | 3,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,195 |
| Cash dividends | $1,710,000 | 1,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,306,000 | 3,710 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,731,000 | 3,362 |
| Total interest expense | $4,537,000 | 3,288 |
| Net interest income | $5,194,000 | 3,427 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,728,000 | 2,070 |
| Gross Fiduciary activities income | $806,000 | 572 |
| Service charges on deposit accounts | $521,000 | 2,621 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $401,000 | 3,399 |
| Total noninterest expense | $5,175,000 | 2,629 |
| Salaries and employee benefits | $2,400,000 | 2,797 |
| Premises and equipment expense | $870,000 | 2,271 |
| Additional noninterest expense | $1,905,000 | 2,575 |
| Pre-tax net operating income | $1,747,000 | 3,819 |
| Securities gains (losses) | $71,000 | 1,131 |
| Applicable income taxes | $514,000 | 4,064 |
| Income before extraordinary items | $1,304,000 | 3,623 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,304,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 2,282 |
| Cash dividends | $4,559,000 | 714 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,252,880 | 3,680 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,547,000 | 4,238 |
| Total interest expense | $3,310,000 | 4,356 |
| Net interest income | $4,237,000 | 4,113 |
| Provision for loan and lease losses | $105,000 | 4,483 |
| Total noninterest income | $2,520,000 | 1,534 |
| Gross Fiduciary activities income | $756,000 | 608 |
| Service charges on deposit accounts | $409,000 | 3,298 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,355,000 | 1,453 |
| Total noninterest expense | $5,274,000 | 2,572 |
| Salaries and employee benefits | $2,142,000 | 3,102 |
| Premises and equipment expense | $948,000 | 2,116 |
| Additional noninterest expense | $2,184,000 | 2,233 |
| Pre-tax net operating income | $1,378,000 | 4,755 |
| Securities gains (losses) | $272,000 | 553 |
| Applicable income taxes | $396,000 | 4,985 |
| Income before extraordinary items | $1,254,000 | 3,807 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,254,000 | 3,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 1,486 |
| Cash dividends | $1,095,000 | 1,893 |
| Sale, conversion, retirement of capital stock, net | $-42,000 | 10,458 |
| Net operating income | $1,047,280 | 4,407 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,737,000 | 3,852 |
| Total interest expense | $3,034,000 | 3,925 |
| Net interest income | $4,703,000 | 3,764 |
| Provision for loan and lease losses | $375,000 | 1,906 |
| Total noninterest income | $2,370,000 | 1,623 |
| Gross Fiduciary activities income | $732,000 | 608 |
| Service charges on deposit accounts | $497,000 | 2,765 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,141,000 | 1,689 |
| Total noninterest expense | $5,816,000 | 2,414 |
| Salaries and employee benefits | $2,075,000 | 3,168 |
| Premises and equipment expense | $912,000 | 2,211 |
| Additional noninterest expense | $2,829,000 | 1,913 |
| Pre-tax net operating income | $882,000 | 6,482 |
| Securities gains (losses) | $-87,000 | 11,438 |
| Applicable income taxes | $78,000 | 9,862 |
| Income before extraordinary items | $717,000 | 5,811 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $717,000 | 5,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,815 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $795,300 | 5,453 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,477,000 | 3,264 |
| Total interest expense | $3,625,000 | 3,460 |
| Net interest income | $5,852,000 | 3,095 |
| Provision for loan and lease losses | $2,050,000 | 793 |
| Total noninterest income | $1,795,000 | 2,116 |
| Gross Fiduciary activities income | $668,000 | 655 |
| Service charges on deposit accounts | $557,000 | 2,477 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $570,000 | 2,986 |
| Total noninterest expense | $5,073,000 | 2,823 |
| Salaries and employee benefits | $1,901,000 | 3,428 |
| Premises and equipment expense | $903,000 | 2,268 |
| Additional noninterest expense | $2,269,000 | 2,449 |
| Pre-tax net operating income | $524,000 | 8,499 |
| Securities gains (losses) | $743,000 | 679 |
| Applicable income taxes | $17,000 | 11,667 |
| Income before extraordinary items | $1,250,000 | 3,866 |
| Extraordinary gains, net | $149,000 | 1,245 |
| Net income | $1,399,000 | 3,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,554,000 | 850 |
| Cash dividends | $1,697,000 | 1,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $514,430 | 7,196 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,754,000 | 3,250 |
| Total interest expense | $5,037,000 | 3,288 |
| Net interest income | $5,717,000 | 3,209 |
| Provision for loan and lease losses | $566,000 | 2,744 |
| Total noninterest income | $1,468,000 | 2,429 |
| Gross Fiduciary activities income | $607,000 | 702 |
| Service charges on deposit accounts | $573,000 | 2,409 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $288,000 | 4,536 |
| Total noninterest expense | $5,038,000 | 2,846 |
| Salaries and employee benefits | $1,803,000 | 3,548 |
| Premises and equipment expense | $857,000 | 2,405 |
| Additional noninterest expense | $2,378,000 | 2,418 |
| Pre-tax net operating income | $1,581,000 | 3,856 |
| Securities gains (losses) | $865,000 | 730 |
| Applicable income taxes | $647,000 | 3,220 |
| Income before extraordinary items | $1,799,000 | 2,554 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,799,000 | 2,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $422,000 | 2,734 |
| Cash dividends | $1,667,000 | 992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,158,900 | 3,636 |
* 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.