Home > The First National Bank of Morgan > Income and Expense
The First National Bank of Morgan, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,243,000 | 5,330 |
| Total interest expense | $1,856,000 | 5,493 |
| Net interest income | $3,387,000 | 5,069 |
| Provision for loan and lease losses | $337,000 | 4,433 |
| Total noninterest income | $629,000 | 4,363 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $387,000 | 3,520 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $242,000 | 4,505 |
| Total noninterest expense | $2,775,000 | 5,351 |
| Salaries and employee benefits | $1,215,000 | 5,952 |
| Premises and equipment expense | $330,000 | 5,566 |
| Additional noninterest expense | $1,230,000 | 4,218 |
| Pre-tax net operating income | $904,000 | 3,943 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $306,000 | 2,377 |
| Income before extraordinary items | $598,000 | 4,186 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $598,000 | 4,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 5,301 |
| Cash dividends | $400,000 | 3,667 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 1,124 |
| Net operating income | $598,000 | 4,331 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,946,000 | 5,382 |
| Total interest expense | $1,453,000 | 5,512 |
| Net interest income | $2,493,000 | 5,158 |
| Provision for loan and lease losses | $157,000 | 4,572 |
| Total noninterest income | $462,000 | 4,508 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $290,000 | 3,546 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $172,000 | 4,722 |
| Total noninterest expense | $2,134,000 | 5,266 |
| Salaries and employee benefits | $952,000 | 5,842 |
| Premises and equipment expense | $247,000 | 5,602 |
| Additional noninterest expense | $935,000 | 4,080 |
| Pre-tax net operating income | $664,000 | 4,451 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $237,000 | 2,733 |
| Income before extraordinary items | $427,000 | 4,693 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $427,000 | 4,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,620 |
| Cash dividends | $400,000 | 3,014 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 994 |
| Net operating income | $427,000 | 4,849 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,638,000 | 5,443 |
| Total interest expense | $1,008,000 | 5,556 |
| Net interest income | $1,630,000 | 5,229 |
| Provision for loan and lease losses | $102,000 | 4,222 |
| Total noninterest income | $305,000 | 4,582 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $183,000 | 3,659 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $122,000 | 4,685 |
| Total noninterest expense | $1,407,000 | 5,331 |
| Salaries and employee benefits | $625,000 | 5,927 |
| Premises and equipment expense | $169,000 | 5,583 |
| Additional noninterest expense | $613,000 | 4,118 |
| Pre-tax net operating income | $426,000 | 4,680 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $153,000 | 2,981 |
| Income before extraordinary items | $273,000 | 5,157 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $273,000 | 5,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,244 |
| Cash dividends | $400,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 894 |
| Net operating income | $273,000 | 5,084 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,378,000 | 5,420 |
| Total interest expense | $529,000 | 5,620 |
| Net interest income | $849,000 | 5,122 |
| Provision for loan and lease losses | $85,000 | 2,985 |
| Total noninterest income | $147,000 | 4,659 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $88,000 | 3,708 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $59,000 | 4,725 |
| Total noninterest expense | $702,000 | 5,358 |
| Salaries and employee benefits | $317,000 | 5,936 |
| Premises and equipment expense | $84,000 | 5,611 |
| Additional noninterest expense | $301,000 | 4,105 |
| Pre-tax net operating income | $209,000 | 4,873 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $72,000 | 3,180 |
| Income before extraordinary items | $137,000 | 5,361 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $137,000 | 5,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 784 |
| Net operating income | $137,000 | 5,262 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,675,000 | 5,389 |
| Total interest expense | $2,205,000 | 5,600 |
| Net interest income | $3,470,000 | 5,065 |
| Provision for loan and lease losses | $45,000 | 5,768 |
| Total noninterest income | $602,000 | 4,638 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $330,000 | 3,890 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $272,000 | 4,420 |
| Total noninterest expense | $2,667,000 | 5,396 |
| Salaries and employee benefits | $1,268,000 | 5,820 |
| Premises and equipment expense | $270,000 | 6,036 |
| Additional noninterest expense | $1,129,000 | 4,245 |
| Pre-tax net operating income | $1,360,000 | 4,087 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $325,000 | 3,283 |
| Income before extraordinary items | $1,035,000 | 4,239 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,035,000 | 4,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,739 |
| Cash dividends | $800,000 | 2,954 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,152 |
| Net operating income | $1,035,000 | 4,236 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,197,000 | 5,439 |
| Total interest expense | $1,609,000 | 5,694 |
| Net interest income | $2,588,000 | 5,098 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $459,000 | 4,607 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $244,000 | 3,912 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $215,000 | 4,352 |
| Total noninterest expense | $1,995,000 | 5,367 |
| Salaries and employee benefits | $967,000 | 5,743 |
| Premises and equipment expense | $201,000 | 6,059 |
| Additional noninterest expense | $827,000 | 4,280 |
| Pre-tax net operating income | $1,022,000 | 4,307 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $362,000 | 2,941 |
| Income before extraordinary items | $660,000 | 4,822 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $660,000 | 4,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,200 |
| Cash dividends | $600,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 963 |
| Net operating income | $660,000 | 4,812 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,738,000 | 5,527 |
| Total interest expense | $1,035,000 | 5,783 |
| Net interest income | $1,703,000 | 5,161 |
| Provision for loan and lease losses | $15,000 | 5,502 |
| Total noninterest income | $313,000 | 4,571 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $159,000 | 3,978 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $154,000 | 4,266 |
| Total noninterest expense | $1,294,000 | 5,492 |
| Salaries and employee benefits | $664,000 | 5,729 |
| Premises and equipment expense | $137,000 | 6,041 |
| Additional noninterest expense | $493,000 | 4,627 |
| Pre-tax net operating income | $707,000 | 4,292 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $250,000 | 2,962 |
| Income before extraordinary items | $457,000 | 4,770 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $457,000 | 4,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $400,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 863 |
| Net operating income | $457,000 | 4,766 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,406,000 | 5,457 |
| Total interest expense | $508,000 | 5,814 |
| Net interest income | $898,000 | 4,997 |
| Provision for loan and lease losses | $5,000 | 5,396 |
| Total noninterest income | $101,000 | 5,536 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $81,000 | 3,885 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $20,000 | 6,614 |
| Total noninterest expense | $603,000 | 5,742 |
| Salaries and employee benefits | $327,000 | 5,818 |
| Premises and equipment expense | $54,000 | 6,638 |
| Additional noninterest expense | $222,000 | 4,909 |
| Pre-tax net operating income | $391,000 | 4,042 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $139,000 | 2,840 |
| Income before extraordinary items | $252,000 | 4,534 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $252,000 | 4,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $200,000 | 2,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $252,000 | 4,522 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 7,624 |
| Total interest expense | $644,000 | 7,621 |
| Net interest income | $1,256,000 | 7,507 |
| Provision for loan and lease losses | $22,000 | 6,257 |
| Total noninterest income | $145,000 | 7,348 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $116,000 | 5,942 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $29,000 | 7,722 |
| Total noninterest expense | $698,000 | 8,173 |
| Salaries and employee benefits | $343,000 | 8,281 |
| Premises and equipment expense | $54,000 | 8,321 |
| Additional noninterest expense | $301,000 | 7,583 |
| Pre-tax net operating income | $681,000 | 5,966 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $183,000 | 4,391 |
| Income before extraordinary items | $498,000 | 6,169 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $498,000 | 6,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $300,000 | 4,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $498,000 | 6,164 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $408,000 | 8,577 |
| Total interest expense | $140,000 | 8,492 |
| Net interest income | $268,000 | 8,593 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $36,000 | 8,311 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $30,000 | 7,125 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,383 |
| Total noninterest expense | $166,000 | 8,697 |
| Salaries and employee benefits | $86,000 | 8,687 |
| Premises and equipment expense | $15,000 | 8,641 |
| Additional noninterest expense | $65,000 | 8,639 |
| Pre-tax net operating income | $138,000 | 7,675 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $30,000 | 5,758 |
| Income before extraordinary items | $108,000 | 7,681 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $108,000 | 7,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $108,000 | 7,683 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,194,000 | 5,894 |
| Total interest expense | $667,000 | 6,238 |
| Net interest income | $1,527,000 | 5,532 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $235,000 | 5,281 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $192,000 | 3,637 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $43,000 | 6,593 |
| Total noninterest expense | $934,000 | 6,362 |
| Salaries and employee benefits | $542,000 | 6,208 |
| Premises and equipment expense | $88,000 | 7,009 |
| Additional noninterest expense | $304,000 | 6,035 |
| Pre-tax net operating income | $828,000 | 4,246 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $306,000 | 3,016 |
| Income before extraordinary items | $522,000 | 4,776 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $522,000 | 4,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,142 |
| Cash dividends | $250,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $522,000 | 4,765 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,045,000 | 5,993 |
| Total interest expense | $309,000 | 6,323 |
| Net interest income | $736,000 | 5,645 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $114,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $95,000 | 3,588 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $415,000 | 6,681 |
| Salaries and employee benefits | $247,000 | 6,491 |
| Premises and equipment expense | $49,000 | 6,794 |
| Additional noninterest expense | $119,000 | 6,649 |
| Pre-tax net operating income | $435,000 | 4,080 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $160,000 | 2,946 |
| Income before extraordinary items | $275,000 | 4,627 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $275,000 | 4,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $125,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $275,000 | 4,609 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,017,000 | 5,818 |
| Total interest expense | $980,000 | 6,333 |
| Net interest income | $3,037,000 | 5,470 |
| Provision for loan and lease losses | $104,000 | 4,761 |
| Total noninterest income | $468,000 | 5,405 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $384,000 | 3,654 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $84,000 | 6,684 |
| Total noninterest expense | $1,711,000 | 6,553 |
| Salaries and employee benefits | $910,000 | 6,606 |
| Premises and equipment expense | $295,000 | 5,779 |
| Additional noninterest expense | $506,000 | 6,537 |
| Pre-tax net operating income | $1,690,000 | 4,107 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $579,000 | 3,135 |
| Income before extraordinary items | $1,111,000 | 4,534 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,111,000 | 4,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $520,000 | 3,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,111,000 | 4,493 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,946,000 | 5,855 |
| Total interest expense | $684,000 | 6,419 |
| Net interest income | $2,262,000 | 5,511 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $349,000 | 5,436 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $289,000 | 3,649 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $60,000 | 6,768 |
| Total noninterest expense | $1,245,000 | 6,633 |
| Salaries and employee benefits | $673,000 | 6,647 |
| Premises and equipment expense | $213,000 | 5,887 |
| Additional noninterest expense | $359,000 | 6,671 |
| Pre-tax net operating income | $1,276,000 | 4,160 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $472,000 | 3,049 |
| Income before extraordinary items | $804,000 | 4,740 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $804,000 | 4,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,912 |
| Cash dividends | $345,000 | 3,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $804,000 | 4,707 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,933,000 | 5,843 |
| Total interest expense | $429,000 | 6,433 |
| Net interest income | $1,504,000 | 5,494 |
| Provision for loan and lease losses | $75,000 | 3,815 |
| Total noninterest income | $226,000 | 5,466 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $187,000 | 3,662 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $39,000 | 6,823 |
| Total noninterest expense | $829,000 | 6,649 |
| Salaries and employee benefits | $457,000 | 6,607 |
| Premises and equipment expense | $134,000 | 6,022 |
| Additional noninterest expense | $238,000 | 6,675 |
| Pre-tax net operating income | $826,000 | 4,215 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $303,000 | 3,092 |
| Income before extraordinary items | $523,000 | 4,788 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $523,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,405 |
| Cash dividends | $230,000 | 3,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $523,000 | 4,733 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $917,000 | 5,984 |
| Total interest expense | $199,000 | 6,556 |
| Net interest income | $718,000 | 5,659 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $103,000 | 5,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $86,000 | 3,771 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 7,096 |
| Total noninterest expense | $414,000 | 6,691 |
| Salaries and employee benefits | $230,000 | 6,621 |
| Premises and equipment expense | $72,000 | 5,866 |
| Additional noninterest expense | $112,000 | 6,862 |
| Pre-tax net operating income | $407,000 | 4,228 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $149,000 | 3,105 |
| Income before extraordinary items | $258,000 | 4,778 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $258,000 | 4,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,547 |
| Cash dividends | $115,000 | 2,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $258,000 | 4,741 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,418,000 | 6,035 |
| Total interest expense | $694,000 | 6,620 |
| Net interest income | $2,724,000 | 5,726 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $470,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $390,000 | 3,704 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $80,000 | 6,771 |
| Total noninterest expense | $1,726,000 | 6,494 |
| Salaries and employee benefits | $835,000 | 6,820 |
| Premises and equipment expense | $429,000 | 4,557 |
| Additional noninterest expense | $462,000 | 6,785 |
| Pre-tax net operating income | $1,408,000 | 4,411 |
| Securities gains (losses) | $-3,000 | 7,966 |
| Applicable income taxes | $468,000 | 3,459 |
| Income before extraordinary items | $937,000 | 4,860 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $937,000 | 4,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,118 |
| Cash dividends | $495,000 | 3,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $939,010 | 4,787 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,492,000 | 6,119 |
| Total interest expense | $513,000 | 6,646 |
| Net interest income | $1,979,000 | 5,824 |
| Provision for loan and lease losses | $25,000 | 6,158 |
| Total noninterest income | $369,000 | 5,323 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $305,000 | 3,625 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $64,000 | 6,699 |
| Total noninterest expense | $1,232,000 | 6,595 |
| Salaries and employee benefits | $632,000 | 6,773 |
| Premises and equipment expense | $248,000 | 5,369 |
| Additional noninterest expense | $352,000 | 6,704 |
| Pre-tax net operating income | $1,091,000 | 4,404 |
| Securities gains (losses) | $-3,000 | 8,248 |
| Applicable income taxes | $379,000 | 3,397 |
| Income before extraordinary items | $709,000 | 4,926 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $709,000 | 4,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 3,382 |
| Cash dividends | $345,000 | 3,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $710,950 | 4,834 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,642,000 | 6,172 |
| Total interest expense | $344,000 | 6,657 |
| Net interest income | $1,298,000 | 5,877 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $253,000 | 5,254 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $205,000 | 3,581 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 6,492 |
| Total noninterest expense | $811,000 | 6,676 |
| Salaries and employee benefits | $438,000 | 6,699 |
| Premises and equipment expense | $150,000 | 5,660 |
| Additional noninterest expense | $223,000 | 6,873 |
| Pre-tax net operating income | $740,000 | 4,320 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $259,000 | 3,330 |
| Income before extraordinary items | $481,000 | 4,829 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $481,000 | 4,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,637 |
| Cash dividends | $230,000 | 3,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $481,000 | 4,743 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $792,000 | 6,302 |
| Total interest expense | $175,000 | 6,691 |
| Net interest income | $617,000 | 6,066 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $116,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $104,000 | 3,485 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $411,000 | 6,684 |
| Salaries and employee benefits | $218,000 | 6,747 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $115,000 | 6,800 |
| Pre-tax net operating income | $322,000 | 4,655 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $113,000 | 3,576 |
| Income before extraordinary items | $209,000 | 5,227 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $209,000 | 5,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,486 |
| Cash dividends | $115,000 | 2,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $209,000 | 5,108 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,294,000 | 6,212 |
| Total interest expense | $828,000 | 6,628 |
| Net interest income | $2,466,000 | 5,951 |
| Provision for loan and lease losses | $10,000 | 7,370 |
| Total noninterest income | $514,000 | 5,359 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $351,000 | 3,940 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $163,000 | 5,670 |
| Total noninterest expense | $1,445,000 | 6,990 |
| Salaries and employee benefits | $772,000 | 7,022 |
| Premises and equipment expense | $134,000 | 7,616 |
| Additional noninterest expense | $539,000 | 6,317 |
| Pre-tax net operating income | $1,525,000 | 4,088 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $527,000 | 3,287 |
| Income before extraordinary items | $998,000 | 4,658 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $998,000 | 4,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,588 |
| Cash dividends | $495,000 | 3,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $998,000 | 4,491 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,493,000 | 6,263 |
| Total interest expense | $631,000 | 6,735 |
| Net interest income | $1,862,000 | 5,959 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $378,000 | 5,454 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $260,000 | 3,986 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 5,763 |
| Total noninterest expense | $1,090,000 | 6,976 |
| Salaries and employee benefits | $581,000 | 7,004 |
| Premises and equipment expense | $111,000 | 7,438 |
| Additional noninterest expense | $398,000 | 6,354 |
| Pre-tax net operating income | $1,150,000 | 4,201 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $412,000 | 3,364 |
| Income before extraordinary items | $738,000 | 4,833 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $738,000 | 4,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,690 |
| Cash dividends | $345,000 | 3,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $738,000 | 4,642 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 6,334 |
| Total interest expense | $429,000 | 6,795 |
| Net interest income | $1,220,000 | 6,016 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $261,000 | 5,347 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $168,000 | 4,039 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $93,000 | 5,446 |
| Total noninterest expense | $751,000 | 6,901 |
| Salaries and employee benefits | $397,000 | 6,961 |
| Premises and equipment expense | $79,000 | 7,317 |
| Additional noninterest expense | $275,000 | 6,246 |
| Pre-tax net operating income | $730,000 | 4,318 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $261,000 | 3,477 |
| Income before extraordinary items | $469,000 | 4,963 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $469,000 | 4,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,733 |
| Cash dividends | $230,000 | 3,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $469,000 | 4,757 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $831,000 | 6,338 |
| Total interest expense | $219,000 | 6,827 |
| Net interest income | $612,000 | 6,006 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $132,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 4,080 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $52,000 | 5,197 |
| Total noninterest expense | $372,000 | 6,937 |
| Salaries and employee benefits | $194,000 | 7,058 |
| Premises and equipment expense | $41,000 | 7,269 |
| Additional noninterest expense | $137,000 | 6,250 |
| Pre-tax net operating income | $372,000 | 4,222 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $136,000 | 3,394 |
| Income before extraordinary items | $236,000 | 4,864 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $236,000 | 4,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,613 |
| Cash dividends | $115,000 | 2,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $236,000 | 4,671 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,403,000 | 6,434 |
| Total interest expense | $1,016,000 | 6,892 |
| Net interest income | $2,387,000 | 6,064 |
| Provision for loan and lease losses | $25,000 | 7,318 |
| Total noninterest income | $484,000 | 5,303 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $320,000 | 4,091 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $164,000 | 5,419 |
| Total noninterest expense | $1,386,000 | 7,080 |
| Salaries and employee benefits | $727,000 | 7,170 |
| Premises and equipment expense | $144,000 | 7,526 |
| Additional noninterest expense | $515,000 | 6,416 |
| Pre-tax net operating income | $1,460,000 | 4,192 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $491,000 | 3,483 |
| Income before extraordinary items | $969,000 | 4,683 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $969,000 | 4,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,566 |
| Cash dividends | $474,000 | 3,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $969,000 | 4,560 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 6,598 |
| Total interest expense | $1,340,000 | 7,320 |
| Net interest income | $2,348,000 | 5,931 |
| Provision for loan and lease losses | $5,000 | 8,099 |
| Total noninterest income | $473,000 | 5,214 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $307,000 | 4,106 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $166,000 | 5,316 |
| Total noninterest expense | $1,365,000 | 7,084 |
| Salaries and employee benefits | $714,000 | 7,146 |
| Premises and equipment expense | $165,000 | 7,288 |
| Additional noninterest expense | $486,000 | 6,534 |
| Pre-tax net operating income | $1,451,000 | 3,944 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $498,000 | 3,335 |
| Income before extraordinary items | $953,000 | 4,409 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $953,000 | 4,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,952 |
| Cash dividends | $480,000 | 3,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $953,000 | 4,290 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,506,000 | 6,928 |
| Total interest expense | $1,280,000 | 7,622 |
| Net interest income | $2,226,000 | 6,224 |
| Provision for loan and lease losses | $-20,000 | 9,723 |
| Total noninterest income | $415,000 | 5,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 5,749 |
| Total noninterest expense | $1,268,000 | 7,328 |
| Salaries and employee benefits | $677,000 | 7,304 |
| Premises and equipment expense | $123,000 | 8,050 |
| Additional noninterest expense | $468,000 | 6,652 |
| Pre-tax net operating income | $1,393,000 | 4,288 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $458,000 | 3,686 |
| Income before extraordinary items | $935,000 | 4,572 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $935,000 | 4,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,082 |
| Cash dividends | $485,000 | 3,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $935,000 | 4,572 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,120,000 | 7,232 |
| Total interest expense | $1,054,000 | 8,037 |
| Net interest income | $2,066,000 | 6,525 |
| Provision for loan and lease losses | $-10,000 | 9,986 |
| Total noninterest income | $390,000 | 5,701 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 4,800 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,379 |
| Total noninterest expense | $1,220,000 | 7,520 |
| Salaries and employee benefits | $646,000 | 7,504 |
| Premises and equipment expense | $86,000 | 8,905 |
| Additional noninterest expense | $488,000 | 6,596 |
| Pre-tax net operating income | $1,246,000 | 4,658 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $396,000 | 4,201 |
| Income before extraordinary items | $850,000 | 4,901 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $850,000 | 4,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 9,684 |
| Cash dividends | $430,000 | 3,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $850,000 | 4,860 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,803,000 | 7,758 |
| Total interest expense | $929,000 | 8,615 |
| Net interest income | $1,874,000 | 6,896 |
| Provision for loan and lease losses | $-30,000 | 10,257 |
| Total noninterest income | $330,000 | 6,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 4,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,447 |
| Total noninterest expense | $1,118,000 | 7,769 |
| Salaries and employee benefits | $590,000 | 7,814 |
| Premises and equipment expense | $66,000 | 9,435 |
| Additional noninterest expense | $462,000 | 6,705 |
| Pre-tax net operating income | $1,116,000 | 5,103 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $325,000 | 4,952 |
| Income before extraordinary items | $791,000 | 5,223 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $791,000 | 5,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,764 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $791,000 | 5,131 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,617,000 | 8,229 |
| Total interest expense | $858,000 | 9,091 |
| Net interest income | $1,759,000 | 7,409 |
| Provision for loan and lease losses | $-66,000 | 10,737 |
| Total noninterest income | $308,000 | 6,553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,466 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,369 |
| Total noninterest expense | $1,008,000 | 8,317 |
| Salaries and employee benefits | $522,000 | 8,444 |
| Premises and equipment expense | $63,000 | 9,881 |
| Additional noninterest expense | $423,000 | 7,170 |
| Pre-tax net operating income | $1,125,000 | 5,451 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $334,000 | 5,439 |
| Income before extraordinary items | $791,000 | 5,498 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $791,000 | 5,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 10,525 |
| Cash dividends | $390,000 | 4,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $791,000 | 5,448 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,437,000 | 8,769 |
| Total interest expense | $777,000 | 9,714 |
| Net interest income | $1,660,000 | 7,875 |
| Provision for loan and lease losses | $-21,000 | 11,130 |
| Total noninterest income | $266,000 | 7,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,907 |
| Total noninterest expense | $940,000 | 8,920 |
| Salaries and employee benefits | $505,000 | 8,849 |
| Premises and equipment expense | $60,000 | 10,351 |
| Additional noninterest expense | $375,000 | 8,108 |
| Pre-tax net operating income | $1,007,000 | 5,713 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $272,000 | 6,150 |
| Income before extraordinary items | $735,000 | 5,600 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $735,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 11,155 |
| Cash dividends | $350,000 | 4,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $735,000 | 5,553 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,206,000 | 9,404 |
| Total interest expense | $736,000 | 10,173 |
| Net interest income | $1,470,000 | 8,622 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $249,000 | 7,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $827,000 | 9,651 |
| Salaries and employee benefits | $570,000 | 8,563 |
| Premises and equipment expense | $51,000 | 11,056 |
| Additional noninterest expense | $206,000 | 10,344 |
| Pre-tax net operating income | $892,000 | 6,461 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $228,000 | 6,988 |
| Income before extraordinary items | $664,000 | 6,211 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $664,000 | 6,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,842 |
| Cash dividends | $320,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $664,000 | 6,194 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,942,000 | 9,903 |
| Total interest expense | $589,000 | 10,650 |
| Net interest income | $1,353,000 | 9,303 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $249,000 | 7,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $805,000 | 10,230 |
| Salaries and employee benefits | $525,000 | 9,161 |
| Premises and equipment expense | $59,000 | 11,335 |
| Additional noninterest expense | $221,000 | 10,880 |
| Pre-tax net operating income | $757,000 | 7,094 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $185,000 | 7,611 |
| Income before extraordinary items | $572,000 | 6,748 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $572,000 | 6,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,864 |
| Cash dividends | $250,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $572,000 | 6,802 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,883,000 | 10,420 |
| Total interest expense | $569,000 | 11,321 |
| Net interest income | $1,314,000 | 9,689 |
| Provision for loan and lease losses | $35,000 | 8,215 |
| Total noninterest income | $216,000 | 8,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,943 |
| Total noninterest expense | $773,000 | 10,805 |
| Salaries and employee benefits | $498,000 | 9,692 |
| Premises and equipment expense | $45,000 | 12,369 |
| Additional noninterest expense | $230,000 | 11,318 |
| Pre-tax net operating income | $722,000 | 7,242 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $169,000 | 8,222 |
| Income before extraordinary items | $553,000 | 7,126 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $553,000 | 7,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,497 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $553,000 | 6,864 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,942,000 | 11,010 |
| Total interest expense | $718,000 | 11,715 |
| Net interest income | $1,224,000 | 10,244 |
| Provision for loan and lease losses | $303,000 | 4,086 |
| Total noninterest income | $217,000 | 9,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,724 |
| Total noninterest expense | $713,000 | 11,452 |
| Salaries and employee benefits | $472,000 | 10,066 |
| Premises and equipment expense | $57,000 | 12,412 |
| Additional noninterest expense | $184,000 | 12,468 |
| Pre-tax net operating income | $425,000 | 9,019 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $71,000 | 10,691 |
| Income before extraordinary items | $354,000 | 8,679 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $354,000 | 8,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 3,223 |
| Cash dividends | $225,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $354,000 | 8,310 |
* 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.