Home > The First National Bank of Litchfield > Income and Expense
The First National Bank of Litchfield, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,629,000 | 1,438 |
| Total interest expense | $1,805,000 | 1,295 |
| Net interest income | $3,824,000 | 1,503 |
| Provision for loan and lease losses | $150,000 | 3,336 |
| Total noninterest income | $1,009,000 | 1,225 |
| Gross Fiduciary activities income | $359,000 | 327 |
| Service charges on deposit accounts | $259,000 | 1,504 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $391,000 | 1,533 |
| Total noninterest expense | $4,187,000 | 1,208 |
| Salaries and employee benefits | $2,164,000 | 1,154 |
| Premises and equipment expense | $421,000 | 1,607 |
| Additional noninterest expense | $1,602,000 | 1,094 |
| Pre-tax net operating income | $496,000 | 2,426 |
| Securities gains (losses) | $-42,000 | 7,617 |
| Applicable income taxes | $114,000 | 1,996 |
| Income before extraordinary items | $340,000 | 2,885 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $287,000 | 3,216 |
| Minority interest net income | $53,000 | 51 |
| Net income of bank and minority interests. | $340,000 | 2,885 |
| Net charge-offs | $125,000 | 2,922 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $371,500 | 2,584 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,038,000 | 1,372 |
| Total interest expense | $9,193,000 | 1,292 |
| Net interest income | $15,845,000 | 1,399 |
| Provision for loan and lease losses | $3,669,000 | 1,749 |
| Total noninterest income | $3,900,000 | 1,325 |
| Gross Fiduciary activities income | $1,230,000 | 341 |
| Service charges on deposit accounts | $1,077,000 | 1,564 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,593,000 | 1,596 |
| Total noninterest expense | $17,692,000 | 1,175 |
| Salaries and employee benefits | $8,475,000 | 1,151 |
| Premises and equipment expense | $1,777,000 | 1,525 |
| Additional noninterest expense | $7,440,000 | 1,040 |
| Pre-tax net operating income | $-1,616,000 | 6,492 |
| Securities gains (losses) | $466,000 | 923 |
| Applicable income taxes | $-741,000 | 7,173 |
| Income before extraordinary items | $-409,000 | 6,018 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-542,000 | 6,104 |
| Minority interest net income | $133,000 | 63 |
| Net income of bank and minority interests. | $-409,000 | 6,017 |
| Net charge-offs | $1,300,000 | 2,545 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-707,240 | 6,205 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $19,212,000 | 1,365 |
| Total interest expense | $7,135,000 | 1,319 |
| Net interest income | $12,077,000 | 1,376 |
| Provision for loan and lease losses | $3,470,000 | 1,345 |
| Total noninterest income | $2,957,000 | 1,335 |
| Gross Fiduciary activities income | $893,000 | 349 |
| Service charges on deposit accounts | $771,000 | 1,647 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,293,000 | 1,539 |
| Total noninterest expense | $13,501,000 | 1,140 |
| Salaries and employee benefits | $6,296,000 | 1,180 |
| Premises and equipment expense | $1,354,000 | 1,505 |
| Additional noninterest expense | $5,851,000 | 965 |
| Pre-tax net operating income | $-1,937,000 | 7,027 |
| Securities gains (losses) | $315,000 | 964 |
| Applicable income taxes | $-552,000 | 7,370 |
| Income before extraordinary items | $-1,070,000 | 6,781 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,165,000 | 6,834 |
| Minority interest net income | $95,000 | 69 |
| Net income of bank and minority interests. | $-1,070,000 | 6,782 |
| Net charge-offs | $1,085,000 | 2,114 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,277,900 | 6,881 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $13,100,000 | 1,359 |
| Total interest expense | $4,889,000 | 1,361 |
| Net interest income | $8,211,000 | 1,357 |
| Provision for loan and lease losses | $788,000 | 2,356 |
| Total noninterest income | $1,736,000 | 1,478 |
| Gross Fiduciary activities income | $548,000 | 366 |
| Service charges on deposit accounts | $499,000 | 1,663 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $689,000 | 1,828 |
| Total noninterest expense | $8,408,000 | 1,237 |
| Salaries and employee benefits | $4,152,000 | 1,217 |
| Premises and equipment expense | $926,000 | 1,505 |
| Additional noninterest expense | $3,330,000 | 1,149 |
| Pre-tax net operating income | $751,000 | 2,629 |
| Securities gains (losses) | $321,000 | 718 |
| Applicable income taxes | $168,000 | 2,148 |
| Income before extraordinary items | $904,000 | 2,022 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $851,000 | 2,134 |
| Minority interest net income | $53,000 | 68 |
| Net income of bank and minority interests. | $904,000 | 2,021 |
| Net charge-offs | $457,000 | 2,444 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $634,360 | 2,583 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,489,000 | 1,391 |
| Total interest expense | $2,487,000 | 1,386 |
| Net interest income | $4,002,000 | 1,380 |
| Provision for loan and lease losses | $270,000 | 2,474 |
| Total noninterest income | $892,000 | 1,419 |
| Gross Fiduciary activities income | $272,000 | 369 |
| Service charges on deposit accounts | $249,000 | 1,618 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $371,000 | 1,692 |
| Total noninterest expense | $4,007,000 | 1,255 |
| Salaries and employee benefits | $2,054,000 | 1,252 |
| Premises and equipment expense | $472,000 | 1,511 |
| Additional noninterest expense | $1,481,000 | 1,134 |
| Pre-tax net operating income | $617,000 | 2,008 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $112,000 | 2,060 |
| Income before extraordinary items | $505,000 | 2,114 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $485,000 | 2,189 |
| Minority interest net income | $20,000 | 71 |
| Net income of bank and minority interests. | $505,000 | 2,115 |
| Net charge-offs | $375,000 | 1,599 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $505,000 | 1,983 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $28,230,000 | 1,372 |
| Total interest expense | $12,643,000 | 1,296 |
| Net interest income | $15,587,000 | 1,436 |
| Provision for loan and lease losses | $1,836,000 | 1,909 |
| Total noninterest income | $3,493,000 | 1,401 |
| Gross Fiduciary activities income | $1,300,000 | 351 |
| Service charges on deposit accounts | $1,059,000 | 1,680 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,134,000 | 1,959 |
| Total noninterest expense | $15,280,000 | 1,279 |
| Salaries and employee benefits | $8,484,000 | 1,173 |
| Premises and equipment expense | $1,847,000 | 1,496 |
| Additional noninterest expense | $4,949,000 | 1,279 |
| Pre-tax net operating income | $1,964,000 | 2,488 |
| Securities gains (losses) | $-8,885,000 | 8,157 |
| Applicable income taxes | $-2,881,000 | 8,008 |
| Income before extraordinary items | $-4,040,000 | 7,741 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,040,000 | 7,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 3,574 |
| Cash dividends | $1,425,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,646,400 | 2,491 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $21,544,000 | 1,374 |
| Total interest expense | $9,947,000 | 1,276 |
| Net interest income | $11,597,000 | 1,464 |
| Provision for loan and lease losses | $367,000 | 3,213 |
| Total noninterest income | $2,711,000 | 1,419 |
| Gross Fiduciary activities income | $992,000 | 351 |
| Service charges on deposit accounts | $783,000 | 1,707 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $936,000 | 1,915 |
| Total noninterest expense | $11,324,000 | 1,272 |
| Salaries and employee benefits | $6,340,000 | 1,202 |
| Premises and equipment expense | $1,364,000 | 1,531 |
| Additional noninterest expense | $3,620,000 | 1,263 |
| Pre-tax net operating income | $2,617,000 | 1,854 |
| Securities gains (losses) | $-6,688,000 | 8,248 |
| Applicable income taxes | $-100,000 | 7,536 |
| Income before extraordinary items | $-3,971,000 | 8,083 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,971,000 | 8,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,759 |
| Cash dividends | $1,425,000 | 1,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,583,240 | 1,505 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,412,000 | 1,390 |
| Total interest expense | $6,829,000 | 1,284 |
| Net interest income | $7,583,000 | 1,475 |
| Provision for loan and lease losses | $212,000 | 3,054 |
| Total noninterest income | $1,786,000 | 1,444 |
| Gross Fiduciary activities income | $673,000 | 356 |
| Service charges on deposit accounts | $502,000 | 1,747 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $611,000 | 1,978 |
| Total noninterest expense | $7,580,000 | 1,269 |
| Salaries and employee benefits | $4,276,000 | 1,206 |
| Premises and equipment expense | $919,000 | 1,517 |
| Additional noninterest expense | $2,385,000 | 1,246 |
| Pre-tax net operating income | $1,577,000 | 2,099 |
| Securities gains (losses) | $33,000 | 1,725 |
| Applicable income taxes | $254,000 | 2,405 |
| Income before extraordinary items | $1,356,000 | 1,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,356,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,705 |
| Cash dividends | $950,000 | 1,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,328,280 | 1,959 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,240,000 | 1,426 |
| Total interest expense | $3,490,000 | 1,341 |
| Net interest income | $3,750,000 | 1,479 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $864,000 | 1,480 |
| Gross Fiduciary activities income | $340,000 | 351 |
| Service charges on deposit accounts | $246,000 | 1,749 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $278,000 | 2,061 |
| Total noninterest expense | $3,793,000 | 1,280 |
| Salaries and employee benefits | $2,102,000 | 1,235 |
| Premises and equipment expense | $472,000 | 1,478 |
| Additional noninterest expense | $1,219,000 | 1,176 |
| Pre-tax net operating income | $746,000 | 2,299 |
| Securities gains (losses) | $12,000 | 1,897 |
| Applicable income taxes | $128,000 | 2,511 |
| Income before extraordinary items | $630,000 | 2,216 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $630,000 | 2,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,945 |
| Cash dividends | $475,000 | 1,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $620,040 | 2,176 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $27,896,000 | 1,545 |
| Total interest expense | $13,998,000 | 1,430 |
| Net interest income | $13,898,000 | 1,626 |
| Provision for loan and lease losses | $204,000 | 3,829 |
| Total noninterest income | $3,528,000 | 1,443 |
| Gross Fiduciary activities income | $1,373,000 | 349 |
| Service charges on deposit accounts | $964,000 | 1,827 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,191,000 | 1,982 |
| Total noninterest expense | $14,191,000 | 1,304 |
| Salaries and employee benefits | $7,942,000 | 1,256 |
| Premises and equipment expense | $1,785,000 | 1,490 |
| Additional noninterest expense | $4,464,000 | 1,258 |
| Pre-tax net operating income | $3,031,000 | 2,445 |
| Securities gains (losses) | $20,000 | 1,106 |
| Applicable income taxes | $524,000 | 2,685 |
| Income before extraordinary items | $2,527,000 | 2,333 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,527,000 | 2,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,163 |
| Cash dividends | $1,900,000 | 1,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,510,400 | 2,343 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,839,000 | 1,556 |
| Total interest expense | $10,509,000 | 1,429 |
| Net interest income | $10,330,000 | 1,645 |
| Provision for loan and lease losses | $105,000 | 4,026 |
| Total noninterest income | $2,585,000 | 1,477 |
| Gross Fiduciary activities income | $1,020,000 | 345 |
| Service charges on deposit accounts | $710,000 | 1,837 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $855,000 | 2,036 |
| Total noninterest expense | $10,225,000 | 1,350 |
| Salaries and employee benefits | $5,846,000 | 1,284 |
| Premises and equipment expense | $1,312,000 | 1,519 |
| Additional noninterest expense | $3,067,000 | 1,327 |
| Pre-tax net operating income | $2,585,000 | 2,376 |
| Securities gains (losses) | $20,000 | 826 |
| Applicable income taxes | $502,000 | 2,532 |
| Income before extraordinary items | $2,103,000 | 2,286 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,103,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,902 |
| Cash dividends | $1,425,000 | 1,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,086,800 | 2,276 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,769,000 | 1,584 |
| Total interest expense | $6,966,000 | 1,429 |
| Net interest income | $6,803,000 | 1,691 |
| Provision for loan and lease losses | $105,000 | 3,205 |
| Total noninterest income | $1,713,000 | 1,508 |
| Gross Fiduciary activities income | $670,000 | 352 |
| Service charges on deposit accounts | $474,000 | 1,832 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $569,000 | 2,067 |
| Total noninterest expense | $6,882,000 | 1,354 |
| Salaries and employee benefits | $3,951,000 | 1,287 |
| Premises and equipment expense | $873,000 | 1,542 |
| Additional noninterest expense | $2,058,000 | 1,344 |
| Pre-tax net operating income | $1,529,000 | 2,643 |
| Securities gains (losses) | $-14,000 | 8,066 |
| Applicable income taxes | $255,000 | 2,939 |
| Income before extraordinary items | $1,260,000 | 2,540 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,260,000 | 2,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 2,212 |
| Cash dividends | $950,000 | 1,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,271,620 | 2,504 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,851,000 | 1,593 |
| Total interest expense | $3,497,000 | 1,421 |
| Net interest income | $3,354,000 | 1,722 |
| Provision for loan and lease losses | $105,000 | 1,929 |
| Total noninterest income | $834,000 | 1,512 |
| Gross Fiduciary activities income | $329,000 | 355 |
| Service charges on deposit accounts | $231,000 | 1,831 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $274,000 | 2,087 |
| Total noninterest expense | $3,443,000 | 1,350 |
| Salaries and employee benefits | $2,034,000 | 1,269 |
| Premises and equipment expense | $444,000 | 1,508 |
| Additional noninterest expense | $965,000 | 1,388 |
| Pre-tax net operating income | $640,000 | 2,977 |
| Securities gains (losses) | $-14,000 | 8,315 |
| Applicable income taxes | $84,000 | 3,516 |
| Income before extraordinary items | $542,000 | 2,845 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $542,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,734 |
| Cash dividends | $475,000 | 1,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $554,180 | 2,792 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,718,000 | 1,560 |
| Total interest expense | $12,432,000 | 1,350 |
| Net interest income | $13,286,000 | 1,729 |
| Provision for loan and lease losses | $420,000 | 2,183 |
| Total noninterest income | $3,042,000 | 1,613 |
| Gross Fiduciary activities income | $1,136,000 | 365 |
| Service charges on deposit accounts | $900,000 | 1,917 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,006,000 | 2,214 |
| Total noninterest expense | $13,135,000 | 1,358 |
| Salaries and employee benefits | $6,878,000 | 1,436 |
| Premises and equipment expense | $1,487,000 | 1,706 |
| Additional noninterest expense | $4,770,000 | 1,125 |
| Pre-tax net operating income | $2,773,000 | 2,927 |
| Securities gains (losses) | $-667,000 | 8,540 |
| Applicable income taxes | $192,000 | 4,337 |
| Income before extraordinary items | $1,914,000 | 3,191 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,914,000 | 3,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 3,535 |
| Cash dividends | $1,900,000 | 1,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,520,970 | 2,586 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,771,000 | 1,585 |
| Total interest expense | $8,718,000 | 1,398 |
| Net interest income | $10,053,000 | 1,730 |
| Provision for loan and lease losses | $315,000 | 2,065 |
| Total noninterest income | $2,205,000 | 1,676 |
| Gross Fiduciary activities income | $816,000 | 375 |
| Service charges on deposit accounts | $653,000 | 1,965 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $736,000 | 2,263 |
| Total noninterest expense | $9,557,000 | 1,408 |
| Salaries and employee benefits | $5,022,000 | 1,484 |
| Premises and equipment expense | $1,077,000 | 1,770 |
| Additional noninterest expense | $3,458,000 | 1,171 |
| Pre-tax net operating income | $2,386,000 | 2,761 |
| Securities gains (losses) | $-18,000 | 7,797 |
| Applicable income taxes | $408,000 | 3,151 |
| Income before extraordinary items | $1,960,000 | 2,610 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,960,000 | 2,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,262 |
| Cash dividends | $1,425,000 | 1,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,974,940 | 2,576 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,020,000 | 1,619 |
| Total interest expense | $5,322,000 | 1,463 |
| Net interest income | $6,698,000 | 1,732 |
| Provision for loan and lease losses | $210,000 | 2,022 |
| Total noninterest income | $1,440,000 | 1,698 |
| Gross Fiduciary activities income | $542,000 | 378 |
| Service charges on deposit accounts | $402,000 | 2,095 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $496,000 | 2,219 |
| Total noninterest expense | $6,344,000 | 1,422 |
| Salaries and employee benefits | $3,290,000 | 1,512 |
| Premises and equipment expense | $691,000 | 1,828 |
| Additional noninterest expense | $2,363,000 | 1,148 |
| Pre-tax net operating income | $1,584,000 | 2,776 |
| Securities gains (losses) | $-18,000 | 8,036 |
| Applicable income taxes | $254,000 | 3,278 |
| Income before extraordinary items | $1,312,000 | 2,596 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,312,000 | 2,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $950,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,327,120 | 2,559 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,857,000 | 1,622 |
| Total interest expense | $2,486,000 | 1,479 |
| Net interest income | $3,371,000 | 1,714 |
| Provision for loan and lease losses | $105,000 | 1,911 |
| Total noninterest income | $693,000 | 1,707 |
| Gross Fiduciary activities income | $260,000 | 396 |
| Service charges on deposit accounts | $190,000 | 2,131 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $243,000 | 2,229 |
| Total noninterest expense | $3,086,000 | 1,467 |
| Salaries and employee benefits | $1,654,000 | 1,504 |
| Premises and equipment expense | $340,000 | 1,860 |
| Additional noninterest expense | $1,092,000 | 1,217 |
| Pre-tax net operating income | $873,000 | 2,525 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $154,000 | 2,999 |
| Income before extraordinary items | $719,000 | 2,397 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $719,000 | 2,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $475,000 | 1,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $719,000 | 2,371 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,616,000 | 1,554 |
| Total interest expense | $7,153,000 | 1,592 |
| Net interest income | $14,463,000 | 1,517 |
| Provision for loan and lease losses | $342,000 | 2,567 |
| Total noninterest income | $2,889,000 | 1,670 |
| Gross Fiduciary activities income | $976,000 | 396 |
| Service charges on deposit accounts | $747,000 | 2,229 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,166,000 | 2,008 |
| Total noninterest expense | $11,025,000 | 1,556 |
| Salaries and employee benefits | $6,015,000 | 1,556 |
| Premises and equipment expense | $1,135,000 | 2,117 |
| Additional noninterest expense | $3,875,000 | 1,321 |
| Pre-tax net operating income | $5,985,000 | 1,585 |
| Securities gains (losses) | $79,000 | 781 |
| Applicable income taxes | $1,687,000 | 1,560 |
| Income before extraordinary items | $4,377,000 | 1,608 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,377,000 | 1,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,345 |
| Cash dividends | $1,600,000 | 1,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,320,120 | 1,603 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,876,000 | 1,539 |
| Total interest expense | $4,959,000 | 1,625 |
| Net interest income | $10,917,000 | 1,488 |
| Provision for loan and lease losses | $311,000 | 2,147 |
| Total noninterest income | $2,066,000 | 1,738 |
| Gross Fiduciary activities income | $706,000 | 398 |
| Service charges on deposit accounts | $550,000 | 2,257 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $810,000 | 2,100 |
| Total noninterest expense | $8,308,000 | 1,535 |
| Salaries and employee benefits | $4,559,000 | 1,533 |
| Premises and equipment expense | $848,000 | 2,102 |
| Additional noninterest expense | $2,901,000 | 1,309 |
| Pre-tax net operating income | $4,364,000 | 1,635 |
| Securities gains (losses) | $-44,000 | 8,431 |
| Applicable income taxes | $1,196,000 | 1,659 |
| Income before extraordinary items | $3,124,000 | 1,688 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,124,000 | 1,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,184 |
| Cash dividends | $1,200,000 | 1,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,155,680 | 1,638 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,420,000 | 1,516 |
| Total interest expense | $3,135,000 | 1,616 |
| Net interest income | $7,285,000 | 1,463 |
| Provision for loan and lease losses | $201,000 | 2,152 |
| Total noninterest income | $1,292,000 | 1,816 |
| Gross Fiduciary activities income | $476,000 | 398 |
| Service charges on deposit accounts | $342,000 | 2,353 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $474,000 | 2,270 |
| Total noninterest expense | $5,423,000 | 1,556 |
| Salaries and employee benefits | $2,979,000 | 1,551 |
| Premises and equipment expense | $561,000 | 2,110 |
| Additional noninterest expense | $1,883,000 | 1,329 |
| Pre-tax net operating income | $2,953,000 | 1,580 |
| Securities gains (losses) | $-44,000 | 8,561 |
| Applicable income taxes | $811,000 | 1,604 |
| Income before extraordinary items | $2,098,000 | 1,635 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,098,000 | 1,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,136 |
| Cash dividends | $800,000 | 1,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,129,680 | 1,592 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,155,000 | 1,500 |
| Total interest expense | $1,453,000 | 1,643 |
| Net interest income | $3,702,000 | 1,422 |
| Provision for loan and lease losses | $101,000 | 2,023 |
| Total noninterest income | $631,000 | 1,804 |
| Gross Fiduciary activities income | $229,000 | 409 |
| Service charges on deposit accounts | $162,000 | 2,403 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $240,000 | 2,217 |
| Total noninterest expense | $2,654,000 | 1,602 |
| Salaries and employee benefits | $1,510,000 | 1,539 |
| Premises and equipment expense | $287,000 | 2,078 |
| Additional noninterest expense | $857,000 | 1,458 |
| Pre-tax net operating income | $1,578,000 | 1,448 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $446,000 | 1,479 |
| Income before extraordinary items | $1,132,000 | 1,498 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,132,000 | 1,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,132,000 | 1,470 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,755,000 | 1,454 |
| Total interest expense | $5,901,000 | 1,397 |
| Net interest income | $13,854,000 | 1,459 |
| Provision for loan and lease losses | $360,000 | 2,548 |
| Total noninterest income | $2,456,000 | 1,892 |
| Gross Fiduciary activities income | $887,000 | 401 |
| Service charges on deposit accounts | $706,000 | 2,357 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $863,000 | 2,363 |
| Total noninterest expense | $10,155,000 | 1,599 |
| Salaries and employee benefits | $5,691,000 | 1,563 |
| Premises and equipment expense | $1,034,000 | 2,221 |
| Additional noninterest expense | $3,430,000 | 1,445 |
| Pre-tax net operating income | $5,795,000 | 1,478 |
| Securities gains (losses) | $35,000 | 2,001 |
| Applicable income taxes | $1,654,000 | 1,494 |
| Income before extraordinary items | $4,176,000 | 1,545 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,176,000 | 1,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,375 |
| Cash dividends | $955,000 | 2,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,150,800 | 1,509 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,538,000 | 1,478 |
| Total interest expense | $4,470,000 | 1,350 |
| Net interest income | $10,068,000 | 1,498 |
| Provision for loan and lease losses | $270,000 | 2,429 |
| Total noninterest income | $1,813,000 | 1,928 |
| Gross Fiduciary activities income | $664,000 | 407 |
| Service charges on deposit accounts | $522,000 | 2,409 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $627,000 | 2,438 |
| Total noninterest expense | $7,572,000 | 1,606 |
| Salaries and employee benefits | $4,249,000 | 1,556 |
| Premises and equipment expense | $780,000 | 2,201 |
| Additional noninterest expense | $2,543,000 | 1,448 |
| Pre-tax net operating income | $4,039,000 | 1,596 |
| Securities gains (losses) | $-53,000 | 8,810 |
| Applicable income taxes | $1,118,000 | 1,626 |
| Income before extraordinary items | $2,868,000 | 1,694 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,868,000 | 1,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $695,000 | 2,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,906,160 | 1,620 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,493,000 | 1,494 |
| Total interest expense | $3,043,000 | 1,302 |
| Net interest income | $6,450,000 | 1,542 |
| Provision for loan and lease losses | $180,000 | 2,366 |
| Total noninterest income | $1,207,000 | 1,911 |
| Gross Fiduciary activities income | $450,000 | 404 |
| Service charges on deposit accounts | $349,000 | 2,397 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $408,000 | 2,477 |
| Total noninterest expense | $5,069,000 | 1,595 |
| Salaries and employee benefits | $2,773,000 | 1,590 |
| Premises and equipment expense | $526,000 | 2,171 |
| Additional noninterest expense | $1,770,000 | 1,373 |
| Pre-tax net operating income | $2,408,000 | 1,746 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $663,000 | 1,782 |
| Income before extraordinary items | $1,745,000 | 1,812 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,745,000 | 1,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,165 |
| Cash dividends | $460,000 | 2,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,745,000 | 1,761 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,624,000 | 1,531 |
| Total interest expense | $1,527,000 | 1,307 |
| Net interest income | $3,097,000 | 1,607 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $571,000 | 1,961 |
| Gross Fiduciary activities income | $188,000 | 447 |
| Service charges on deposit accounts | $173,000 | 2,365 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $210,000 | 2,397 |
| Total noninterest expense | $2,612,000 | 1,554 |
| Salaries and employee benefits | $1,427,000 | 1,570 |
| Premises and equipment expense | $274,000 | 2,120 |
| Additional noninterest expense | $911,000 | 1,327 |
| Pre-tax net operating income | $966,000 | 2,071 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $253,000 | 2,182 |
| Income before extraordinary items | $713,000 | 2,135 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $713,000 | 2,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,025 |
| Cash dividends | $229,000 | 2,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $713,000 | 2,058 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,610,000 | 1,721 |
| Total interest expense | $5,638,000 | 1,593 |
| Net interest income | $10,972,000 | 1,781 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $2,368,000 | 2,039 |
| Gross Fiduciary activities income | $999,000 | 386 |
| Service charges on deposit accounts | $645,000 | 2,538 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $724,000 | 2,905 |
| Total noninterest expense | $9,445,000 | 1,697 |
| Salaries and employee benefits | $5,125,000 | 1,681 |
| Premises and equipment expense | $1,090,000 | 2,089 |
| Additional noninterest expense | $3,230,000 | 1,528 |
| Pre-tax net operating income | $3,595,000 | 2,166 |
| Securities gains (losses) | $293,000 | 1,064 |
| Applicable income taxes | $956,000 | 2,245 |
| Income before extraordinary items | $2,932,000 | 2,076 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,932,000 | 2,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 3,233 |
| Cash dividends | $908,000 | 2,485 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,712,250 | 2,125 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,211,000 | 1,778 |
| Total interest expense | $4,131,000 | 1,706 |
| Net interest income | $8,080,000 | 1,827 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $1,738,000 | 2,121 |
| Gross Fiduciary activities income | $758,000 | 391 |
| Service charges on deposit accounts | $462,000 | 2,661 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $518,000 | 3,072 |
| Total noninterest expense | $6,978,000 | 1,726 |
| Salaries and employee benefits | $3,708,000 | 1,744 |
| Premises and equipment expense | $854,000 | 2,010 |
| Additional noninterest expense | $2,416,000 | 1,523 |
| Pre-tax net operating income | $2,615,000 | 2,290 |
| Securities gains (losses) | $243,000 | 1,104 |
| Applicable income taxes | $697,000 | 2,394 |
| Income before extraordinary items | $2,161,000 | 2,175 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,161,000 | 2,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,808 |
| Cash dividends | $608,000 | 2,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,976,320 | 2,252 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,833,000 | 1,874 |
| Total interest expense | $2,669,000 | 1,804 |
| Net interest income | $5,164,000 | 1,896 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $1,137,000 | 2,146 |
| Gross Fiduciary activities income | $535,000 | 383 |
| Service charges on deposit accounts | $284,000 | 2,770 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $318,000 | 3,186 |
| Total noninterest expense | $4,621,000 | 1,729 |
| Salaries and employee benefits | $2,434,000 | 1,765 |
| Premises and equipment expense | $588,000 | 1,936 |
| Additional noninterest expense | $1,599,000 | 1,527 |
| Pre-tax net operating income | $1,530,000 | 2,542 |
| Securities gains (losses) | $196,000 | 1,054 |
| Applicable income taxes | $390,000 | 2,738 |
| Income before extraordinary items | $1,336,000 | 2,327 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,336,000 | 2,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,225 |
| Cash dividends | $348,000 | 2,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,185,080 | 2,462 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 1,895 |
| Total interest expense | $1,335,000 | 1,847 |
| Net interest income | $2,541,000 | 1,919 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $556,000 | 2,114 |
| Gross Fiduciary activities income | $267,000 | 387 |
| Service charges on deposit accounts | $136,000 | 2,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $153,000 | 3,174 |
| Total noninterest expense | $2,307,000 | 1,714 |
| Salaries and employee benefits | $1,200,000 | 1,777 |
| Premises and equipment expense | $298,000 | 1,924 |
| Additional noninterest expense | $809,000 | 1,471 |
| Pre-tax net operating income | $715,000 | 2,702 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $143,000 | 3,302 |
| Income before extraordinary items | $572,000 | 2,651 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $572,000 | 2,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,631 |
| Cash dividends | $168,000 | 2,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $572,000 | 2,513 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,566,000 | 1,859 |
| Total interest expense | $7,057,000 | 1,614 |
| Net interest income | $9,509,000 | 2,040 |
| Provision for loan and lease losses | $265,000 | 3,725 |
| Total noninterest income | $2,276,000 | 1,915 |
| Gross Fiduciary activities income | $956,000 | 414 |
| Service charges on deposit accounts | $563,000 | 2,696 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $757,000 | 2,586 |
| Total noninterest expense | $8,781,000 | 1,724 |
| Salaries and employee benefits | $4,961,000 | 1,624 |
| Premises and equipment expense | $818,000 | 2,634 |
| Additional noninterest expense | $3,002,000 | 1,576 |
| Pre-tax net operating income | $2,739,000 | 2,689 |
| Securities gains (losses) | $135,000 | 1,469 |
| Applicable income taxes | $646,000 | 2,995 |
| Income before extraordinary items | $2,228,000 | 2,570 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,228,000 | 2,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,922 |
| Cash dividends | $684,000 | 2,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,122,700 | 2,583 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,134,000 | 1,999 |
| Total interest expense | $8,342,000 | 1,942 |
| Net interest income | $8,792,000 | 2,024 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $2,104,000 | 1,933 |
| Gross Fiduciary activities income | $913,000 | 438 |
| Service charges on deposit accounts | $575,000 | 2,516 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $616,000 | 2,786 |
| Total noninterest expense | $8,143,000 | 1,788 |
| Salaries and employee benefits | $4,368,000 | 1,722 |
| Premises and equipment expense | $894,000 | 2,383 |
| Additional noninterest expense | $2,881,000 | 1,612 |
| Pre-tax net operating income | $2,513,000 | 2,656 |
| Securities gains (losses) | $148,000 | 1,419 |
| Applicable income taxes | $726,000 | 2,604 |
| Income before extraordinary items | $1,935,000 | 2,607 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,935,000 | 2,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 2,470 |
| Cash dividends | $695,000 | 2,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,826,960 | 2,661 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,617,000 | 1,879 |
| Total interest expense | $9,597,000 | 1,789 |
| Net interest income | $9,020,000 | 1,952 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $1,880,000 | 1,965 |
| Gross Fiduciary activities income | $810,000 | 467 |
| Service charges on deposit accounts | $532,000 | 2,546 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $538,000 | 2,831 |
| Total noninterest expense | $8,047,000 | 1,736 |
| Salaries and employee benefits | $4,229,000 | 1,691 |
| Premises and equipment expense | $926,000 | 2,220 |
| Additional noninterest expense | $2,892,000 | 1,545 |
| Pre-tax net operating income | $2,673,000 | 2,619 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $837,000 | 2,431 |
| Income before extraordinary items | $1,836,000 | 2,763 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,836,000 | 2,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,244 |
| Cash dividends | $505,000 | 3,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,836,000 | 2,764 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,031,000 | 2,018 |
| Total interest expense | $7,306,000 | 2,047 |
| Net interest income | $8,725,000 | 2,015 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $1,395,000 | 2,408 |
| Gross Fiduciary activities income | $714,000 | 540 |
| Service charges on deposit accounts | $398,000 | 3,228 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $283,000 | 4,150 |
| Total noninterest expense | $7,419,000 | 1,867 |
| Salaries and employee benefits | $3,701,000 | 1,884 |
| Premises and equipment expense | $910,000 | 2,237 |
| Additional noninterest expense | $2,808,000 | 1,588 |
| Pre-tax net operating income | $2,581,000 | 2,722 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $817,000 | 2,597 |
| Income before extraordinary items | $1,769,000 | 2,849 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,769,000 | 2,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,239 |
| Cash dividends | $155,000 | 5,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,765,600 | 2,823 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,884,000 | 2,200 |
| Total interest expense | $7,114,000 | 2,126 |
| Net interest income | $7,770,000 | 2,199 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,277,000 | 2,558 |
| Gross Fiduciary activities income | $649,000 | 555 |
| Service charges on deposit accounts | $369,000 | 3,362 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $259,000 | 4,339 |
| Total noninterest expense | $6,424,000 | 2,044 |
| Salaries and employee benefits | $3,357,000 | 1,995 |
| Premises and equipment expense | $813,000 | 2,417 |
| Additional noninterest expense | $2,254,000 | 1,875 |
| Pre-tax net operating income | $2,503,000 | 2,784 |
| Securities gains (losses) | $144,000 | 1,070 |
| Applicable income taxes | $1,020,000 | 2,283 |
| Income before extraordinary items | $1,627,000 | 3,041 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,627,000 | 3,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $1,045,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,534,840 | 3,107 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,922,000 | 2,348 |
| Total interest expense | $6,719,000 | 2,245 |
| Net interest income | $7,203,000 | 2,419 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $1,273,000 | 2,495 |
| Gross Fiduciary activities income | $639,000 | 584 |
| Service charges on deposit accounts | $382,000 | 3,351 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $252,000 | 4,342 |
| Total noninterest expense | $5,861,000 | 2,194 |
| Salaries and employee benefits | $3,178,000 | 2,074 |
| Premises and equipment expense | $766,000 | 2,518 |
| Additional noninterest expense | $1,917,000 | 2,183 |
| Pre-tax net operating income | $2,515,000 | 2,897 |
| Securities gains (losses) | $67,000 | 1,173 |
| Applicable income taxes | $1,015,000 | 2,404 |
| Income before extraordinary items | $1,567,000 | 3,232 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,567,000 | 3,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,337 |
| Cash dividends | $504,000 | 3,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,524,120 | 3,238 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,082,000 | 2,738 |
| Total interest expense | $5,403,000 | 2,820 |
| Net interest income | $6,679,000 | 2,645 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $1,116,000 | 2,849 |
| Gross Fiduciary activities income | $562,000 | 672 |
| Service charges on deposit accounts | $395,000 | 3,370 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $159,000 | 5,807 |
| Total noninterest expense | $5,315,000 | 2,566 |
| Salaries and employee benefits | $2,793,000 | 2,374 |
| Premises and equipment expense | $726,000 | 2,691 |
| Additional noninterest expense | $1,796,000 | 2,697 |
| Pre-tax net operating income | $2,380,000 | 2,914 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $884,000 | 2,621 |
| Income before extraordinary items | $1,496,000 | 3,197 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,496,000 | 3,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,891 |
| Cash dividends | $453,000 | 3,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,496,000 | 3,161 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,371,000 | 2,931 |
| Total interest expense | $5,035,000 | 3,009 |
| Net interest income | $6,336,000 | 2,822 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $1,038,000 | 3,017 |
| Gross Fiduciary activities income | $509,000 | 733 |
| Service charges on deposit accounts | $394,000 | 3,407 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $135,000 | 6,277 |
| Total noninterest expense | $5,002,000 | 2,719 |
| Salaries and employee benefits | $2,582,000 | 2,591 |
| Premises and equipment expense | $652,000 | 2,998 |
| Additional noninterest expense | $1,768,000 | 2,666 |
| Pre-tax net operating income | $2,272,000 | 3,125 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $928,000 | 2,535 |
| Income before extraordinary items | $1,344,000 | 3,564 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,344,000 | 3,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $761,000 | 2,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,344,000 | 3,550 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,585,000 | 3,157 |
| Total interest expense | $3,706,000 | 3,296 |
| Net interest income | $5,879,000 | 3,053 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $981,000 | 3,153 |
| Gross Fiduciary activities income | $462,000 | 759 |
| Service charges on deposit accounts | $358,000 | 3,756 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $161,000 | 5,988 |
| Total noninterest expense | $4,744,000 | 2,909 |
| Salaries and employee benefits | $2,458,000 | 2,715 |
| Premises and equipment expense | $679,000 | 2,893 |
| Additional noninterest expense | $1,607,000 | 3,118 |
| Pre-tax net operating income | $2,116,000 | 3,273 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $868,000 | 2,578 |
| Income before extraordinary items | $1,248,000 | 3,723 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,248,000 | 3,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,566 |
| Cash dividends | $278,000 | 4,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,248,000 | 3,752 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,816,000 | 3,483 |
| Total interest expense | $3,491,000 | 3,596 |
| Net interest income | $5,325,000 | 3,366 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $897,000 | 3,643 |
| Gross Fiduciary activities income | $421,000 | 826 |
| Service charges on deposit accounts | $329,000 | 4,092 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $147,000 | 6,629 |
| Total noninterest expense | $4,756,000 | 2,977 |
| Salaries and employee benefits | $2,225,000 | 2,948 |
| Premises and equipment expense | $649,000 | 3,085 |
| Additional noninterest expense | $1,882,000 | 2,878 |
| Pre-tax net operating income | $1,346,000 | 4,740 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $547,000 | 3,866 |
| Income before extraordinary items | $799,000 | 5,578 |
| Extraordinary gains, net | $71,000 | 1,896 |
| Net income | $870,000 | 5,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 5,529 |
| Cash dividends | $236,000 | 5,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $799,000 | 5,344 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,637,000 | 3,617 |
| Total interest expense | $4,380,000 | 3,744 |
| Net interest income | $5,257,000 | 3,467 |
| Provision for loan and lease losses | $276,000 | 4,334 |
| Total noninterest income | $856,000 | 3,774 |
| Gross Fiduciary activities income | $316,000 | 923 |
| Service charges on deposit accounts | $309,000 | 4,341 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $231,000 | 5,223 |
| Total noninterest expense | $4,480,000 | 3,174 |
| Salaries and employee benefits | $2,135,000 | 3,024 |
| Premises and equipment expense | $645,000 | 3,140 |
| Additional noninterest expense | $1,700,000 | 3,213 |
| Pre-tax net operating income | $1,357,000 | 4,448 |
| Securities gains (losses) | $38,000 | 4,584 |
| Applicable income taxes | $575,000 | 3,545 |
| Income before extraordinary items | $820,000 | 5,266 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $820,000 | 5,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 3,513 |
| Cash dividends | $217,000 | 4,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $795,680 | 5,078 |
* 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.