Home > The First National Bank of Valentine > Income and Expense
The First National Bank of Valentine, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,770,000 | 5,256 |
| Total interest expense | $3,302,000 | 3,179 |
| Net interest income | $1,468,000 | 6,944 |
| Provision for loan and lease losses | $230,000 | 5,611 |
| Total noninterest income | $82,000 | 7,131 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $158,000 | 5,072 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-76,000 | 7,570 |
| Total noninterest expense | $4,640,000 | 3,901 |
| Salaries and employee benefits | $725,000 | 6,911 |
| Premises and equipment expense | $218,000 | 6,338 |
| Additional noninterest expense | $3,697,000 | 1,977 |
| Pre-tax net operating income | $-3,320,000 | 6,948 |
| Securities gains (losses) | $156,000 | 1,759 |
| Applicable income taxes | $-610,000 | 7,114 |
| Income before extraordinary items | $-2,554,000 | 6,905 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,554,000 | 6,904 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,554,000 | 6,905 |
| Net charge-offs | $262,000 | 4,661 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-2,680,360 | 6,939 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,818,000 | 5,143 |
| Total interest expense | $2,667,000 | 3,141 |
| Net interest income | $1,151,000 | 6,907 |
| Provision for loan and lease losses | $230,000 | 4,952 |
| Total noninterest income | $38,000 | 7,516 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $123,000 | 5,032 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-85,000 | 7,791 |
| Total noninterest expense | $4,060,000 | 3,458 |
| Salaries and employee benefits | $581,000 | 6,810 |
| Premises and equipment expense | $175,000 | 6,245 |
| Additional noninterest expense | $3,304,000 | 1,642 |
| Pre-tax net operating income | $-3,101,000 | 7,308 |
| Securities gains (losses) | $156,000 | 1,478 |
| Applicable income taxes | $-1,202,000 | 7,611 |
| Income before extraordinary items | $-1,743,000 | 7,090 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,743,000 | 7,088 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,743,000 | 7,089 |
| Net charge-offs | $267,000 | 3,880 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,842,840 | 7,115 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,796,000 | 4,919 |
| Total interest expense | $1,979,000 | 2,991 |
| Net interest income | $817,000 | 6,809 |
| Provision for loan and lease losses | $100,000 | 5,300 |
| Total noninterest income | $-16,000 | 7,992 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $78,000 | 5,109 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-94,000 | 7,955 |
| Total noninterest expense | $3,478,000 | 2,842 |
| Salaries and employee benefits | $427,000 | 6,684 |
| Premises and equipment expense | $128,000 | 6,102 |
| Additional noninterest expense | $2,923,000 | 1,281 |
| Pre-tax net operating income | $-2,777,000 | 7,533 |
| Securities gains (losses) | $196,000 | 1,026 |
| Applicable income taxes | $-1,068,000 | 7,773 |
| Income before extraordinary items | $-1,513,000 | 7,329 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,513,000 | 7,328 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,513,000 | 7,327 |
| Net charge-offs | $152,000 | 3,759 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,638,440 | 7,375 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,585,000 | 4,594 |
| Total interest expense | $1,174,000 | 2,677 |
| Net interest income | $411,000 | 6,827 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $9,000 | 7,788 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $36,000 | 5,210 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-27,000 | 8,053 |
| Total noninterest expense | $611,000 | 5,756 |
| Salaries and employee benefits | $269,000 | 6,227 |
| Premises and equipment expense | $46,000 | 6,774 |
| Additional noninterest expense | $296,000 | 4,453 |
| Pre-tax net operating income | $-191,000 | 6,872 |
| Securities gains (losses) | $213,000 | 641 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $22,000 | 6,123 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $22,000 | 6,125 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $22,000 | 6,125 |
| Net charge-offs | $-2,000 | 7,404 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-191,000 | 6,937 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,626,000 | 4,258 |
| Total interest expense | $5,755,000 | 2,611 |
| Net interest income | $1,871,000 | 6,566 |
| Provision for loan and lease losses | $1,493,000 | 2,171 |
| Total noninterest income | $301,000 | 5,810 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $149,000 | 5,337 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $152,000 | 5,289 |
| Total noninterest expense | $3,345,000 | 4,775 |
| Salaries and employee benefits | $951,000 | 6,523 |
| Premises and equipment expense | $89,000 | 7,721 |
| Additional noninterest expense | $2,305,000 | 2,508 |
| Pre-tax net operating income | $-2,666,000 | 7,522 |
| Securities gains (losses) | $-46,000 | 7,155 |
| Applicable income taxes | $-1,087,000 | 7,734 |
| Income before extraordinary items | $-1,625,000 | 7,243 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,625,000 | 7,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,380,000 | 1,636 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,595,560 | 7,339 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,912,000 | 4,246 |
| Total interest expense | $4,435,000 | 2,641 |
| Net interest income | $1,477,000 | 6,498 |
| Provision for loan and lease losses | $93,000 | 5,234 |
| Total noninterest income | $252,000 | 5,709 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $113,000 | 5,343 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $139,000 | 5,075 |
| Total noninterest expense | $2,175,000 | 5,213 |
| Salaries and employee benefits | $783,000 | 6,331 |
| Premises and equipment expense | $67,000 | 7,764 |
| Additional noninterest expense | $1,325,000 | 3,091 |
| Pre-tax net operating income | $-539,000 | 7,287 |
| Securities gains (losses) | $-46,000 | 7,475 |
| Applicable income taxes | $13,000 | 4,781 |
| Income before extraordinary items | $-598,000 | 7,266 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-598,000 | 7,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,117 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-552,000 | 7,356 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,960,000 | 4,288 |
| Total interest expense | $3,009,000 | 2,702 |
| Net interest income | $951,000 | 6,588 |
| Provision for loan and lease losses | $84,000 | 4,545 |
| Total noninterest income | $169,000 | 5,768 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $73,000 | 5,418 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $96,000 | 5,129 |
| Total noninterest expense | $1,363,000 | 5,431 |
| Salaries and employee benefits | $455,000 | 6,708 |
| Premises and equipment expense | $44,000 | 7,818 |
| Additional noninterest expense | $864,000 | 3,120 |
| Pre-tax net operating income | $-327,000 | 7,462 |
| Securities gains (losses) | $-46,000 | 8,227 |
| Applicable income taxes | $8,000 | 5,072 |
| Income before extraordinary items | $-381,000 | 7,608 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-381,000 | 7,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,143 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-335,000 | 7,537 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,982,000 | 4,357 |
| Total interest expense | $1,542,000 | 2,808 |
| Net interest income | $440,000 | 6,812 |
| Provision for loan and lease losses | $110,000 | 2,589 |
| Total noninterest income | $105,000 | 5,327 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $40,000 | 5,234 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $65,000 | 4,545 |
| Total noninterest expense | $840,000 | 4,783 |
| Salaries and employee benefits | $249,000 | 6,529 |
| Premises and equipment expense | $21,000 | 7,894 |
| Additional noninterest expense | $570,000 | 2,416 |
| Pre-tax net operating income | $-405,000 | 8,010 |
| Securities gains (losses) | $-46,000 | 8,397 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $-455,000 | 8,119 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-455,000 | 8,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,230 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-409,000 | 8,065 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,650,000 | 4,490 |
| Total interest expense | $5,494,000 | 3,219 |
| Net interest income | $2,156,000 | 6,340 |
| Provision for loan and lease losses | $97,000 | 4,964 |
| Total noninterest income | $523,000 | 4,936 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $170,000 | 5,201 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $353,000 | 3,972 |
| Total noninterest expense | $2,137,000 | 6,035 |
| Salaries and employee benefits | $979,000 | 6,485 |
| Premises and equipment expense | $101,000 | 7,735 |
| Additional noninterest expense | $1,057,000 | 4,471 |
| Pre-tax net operating income | $445,000 | 6,141 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $33,000 | 5,167 |
| Income before extraordinary items | $412,000 | 6,005 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $412,000 | 6,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,573 |
| Cash dividends | $195,000 | 4,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $412,000 | 5,998 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,558,000 | 4,595 |
| Total interest expense | $3,960,000 | 3,319 |
| Net interest income | $1,598,000 | 6,396 |
| Provision for loan and lease losses | $97,000 | 4,161 |
| Total noninterest income | $514,000 | 4,351 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $133,000 | 5,150 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $381,000 | 3,298 |
| Total noninterest expense | $1,588,000 | 6,045 |
| Salaries and employee benefits | $762,000 | 6,394 |
| Premises and equipment expense | $152,000 | 6,701 |
| Additional noninterest expense | $674,000 | 4,905 |
| Pre-tax net operating income | $427,000 | 6,052 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $40,000 | 5,094 |
| Income before extraordinary items | $387,000 | 5,887 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $387,000 | 5,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 2,785 |
| Cash dividends | $195,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $387,000 | 5,871 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,528,000 | 4,738 |
| Total interest expense | $2,504,000 | 3,454 |
| Net interest income | $1,024,000 | 6,528 |
| Provision for loan and lease losses | $97,000 | 3,344 |
| Total noninterest income | $429,000 | 3,874 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $91,000 | 5,130 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $338,000 | 2,834 |
| Total noninterest expense | $1,050,000 | 6,111 |
| Salaries and employee benefits | $512,000 | 6,425 |
| Premises and equipment expense | $93,000 | 6,892 |
| Additional noninterest expense | $445,000 | 4,941 |
| Pre-tax net operating income | $306,000 | 5,993 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $28,000 | 5,160 |
| Income before extraordinary items | $278,000 | 5,822 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $278,000 | 5,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,152 |
| Cash dividends | $195,000 | 3,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $278,000 | 5,810 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,700,000 | 4,846 |
| Total interest expense | $1,140,000 | 3,668 |
| Net interest income | $560,000 | 6,352 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $128,000 | 4,976 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $43,000 | 5,170 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $85,000 | 4,082 |
| Total noninterest expense | $522,000 | 6,172 |
| Salaries and employee benefits | $281,000 | 6,246 |
| Premises and equipment expense | $42,000 | 7,103 |
| Additional noninterest expense | $199,000 | 5,276 |
| Pre-tax net operating income | $166,000 | 5,867 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $13,000 | 5,188 |
| Income before extraordinary items | $153,000 | 5,607 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $153,000 | 5,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $195,000 | 2,499 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $153,000 | 5,593 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,988,000 | 4,573 |
| Total interest expense | $4,231,000 | 3,456 |
| Net interest income | $2,757,000 | 5,761 |
| Provision for loan and lease losses | $23,000 | 6,241 |
| Total noninterest income | $757,000 | 4,191 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $205,000 | 4,930 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $552,000 | 3,172 |
| Total noninterest expense | $2,272,000 | 5,779 |
| Salaries and employee benefits | $1,046,000 | 6,297 |
| Premises and equipment expense | $225,000 | 6,465 |
| Additional noninterest expense | $1,001,000 | 4,514 |
| Pre-tax net operating income | $1,219,000 | 4,753 |
| Securities gains (losses) | $-940,000 | 8,576 |
| Applicable income taxes | $10,000 | 6,155 |
| Income before extraordinary items | $269,000 | 7,033 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $269,000 | 7,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,890 |
| Cash dividends | $195,000 | 4,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,171,400 | 4,311 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,300,000 | 4,535 |
| Total interest expense | $3,186,000 | 3,334 |
| Net interest income | $2,114,000 | 5,756 |
| Provision for loan and lease losses | $23,000 | 5,896 |
| Total noninterest income | $335,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $157,000 | 4,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $178,000 | 4,785 |
| Total noninterest expense | $1,808,000 | 5,577 |
| Salaries and employee benefits | $856,000 | 6,040 |
| Premises and equipment expense | $83,000 | 7,709 |
| Additional noninterest expense | $869,000 | 4,022 |
| Pre-tax net operating income | $618,000 | 5,790 |
| Securities gains (losses) | $-524,000 | 8,633 |
| Applicable income taxes | $32,000 | 5,718 |
| Income before extraordinary items | $62,000 | 7,905 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $62,000 | 7,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $195,000 | 4,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $407,840 | 6,200 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,498,000 | 4,508 |
| Total interest expense | $2,071,000 | 3,284 |
| Net interest income | $1,427,000 | 5,750 |
| Provision for loan and lease losses | $16,000 | 5,712 |
| Total noninterest income | $62,000 | 7,651 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $103,000 | 4,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-41,000 | 8,766 |
| Total noninterest expense | $1,155,000 | 5,732 |
| Salaries and employee benefits | $564,000 | 6,085 |
| Premises and equipment expense | $52,000 | 7,803 |
| Additional noninterest expense | $539,000 | 4,250 |
| Pre-tax net operating income | $318,000 | 6,344 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $9,000 | 6,166 |
| Income before extraordinary items | $309,000 | 5,952 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $309,000 | 5,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $195,000 | 3,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $309,000 | 5,952 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,749,000 | 4,458 |
| Total interest expense | $1,003,000 | 3,248 |
| Net interest income | $746,000 | 5,610 |
| Provision for loan and lease losses | $19,000 | 4,620 |
| Total noninterest income | $171,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $45,000 | 5,172 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $126,000 | 3,292 |
| Total noninterest expense | $601,000 | 5,623 |
| Salaries and employee benefits | $288,000 | 6,052 |
| Premises and equipment expense | $48,000 | 6,838 |
| Additional noninterest expense | $265,000 | 4,284 |
| Pre-tax net operating income | $297,000 | 4,997 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $57,000 | 4,336 |
| Income before extraordinary items | $240,000 | 4,943 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 4,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $195,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $240,000 | 4,924 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,529,000 | 4,362 |
| Total interest expense | $3,319,000 | 3,073 |
| Net interest income | $3,210,000 | 5,280 |
| Provision for loan and lease losses | $379,000 | 2,371 |
| Total noninterest income | $535,000 | 5,076 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $228,000 | 4,773 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $307,000 | 4,284 |
| Total noninterest expense | $2,362,000 | 5,560 |
| Salaries and employee benefits | $1,064,000 | 6,181 |
| Premises and equipment expense | $285,000 | 5,874 |
| Additional noninterest expense | $1,013,000 | 4,381 |
| Pre-tax net operating income | $1,004,000 | 5,355 |
| Securities gains (losses) | $-589,000 | 8,718 |
| Applicable income taxes | $76,000 | 5,587 |
| Income before extraordinary items | $339,000 | 7,013 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $339,000 | 7,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,787 |
| Cash dividends | $780,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $821,980 | 5,263 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,773,000 | 4,400 |
| Total interest expense | $2,350,000 | 3,074 |
| Net interest income | $2,423,000 | 5,270 |
| Provision for loan and lease losses | $159,000 | 3,397 |
| Total noninterest income | $141,000 | 7,183 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $171,000 | 4,801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-30,000 | 8,845 |
| Total noninterest expense | $1,641,000 | 5,765 |
| Salaries and employee benefits | $796,000 | 6,148 |
| Premises and equipment expense | $193,000 | 6,124 |
| Additional noninterest expense | $652,000 | 4,850 |
| Pre-tax net operating income | $764,000 | 5,447 |
| Securities gains (losses) | $-589,000 | 8,797 |
| Applicable income taxes | $18,000 | 6,335 |
| Income before extraordinary items | $157,000 | 7,678 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $157,000 | 7,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,057 |
| Cash dividends | $585,000 | 2,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $687,100 | 5,088 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,089,000 | 4,425 |
| Total interest expense | $1,472,000 | 3,092 |
| Net interest income | $1,617,000 | 5,262 |
| Provision for loan and lease losses | $2,000 | 6,551 |
| Total noninterest income | $89,000 | 7,243 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $-23,000 | 8,853 |
| Total noninterest expense | $1,133,000 | 5,656 |
| Salaries and employee benefits | $513,000 | 6,257 |
| Premises and equipment expense | $142,000 | 5,866 |
| Additional noninterest expense | $478,000 | 4,533 |
| Pre-tax net operating income | $571,000 | 5,123 |
| Securities gains (losses) | $-255,000 | 8,781 |
| Applicable income taxes | $70,000 | 5,215 |
| Income before extraordinary items | $246,000 | 6,546 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $246,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $390,000 | 2,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $444,900 | 5,131 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,509,000 | 4,473 |
| Total interest expense | $717,000 | 3,056 |
| Net interest income | $792,000 | 5,349 |
| Provision for loan and lease losses | $2,000 | 6,096 |
| Total noninterest income | $-33,000 | 8,919 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $53,000 | 4,860 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-86,000 | 8,932 |
| Total noninterest expense | $567,000 | 5,681 |
| Salaries and employee benefits | $235,000 | 6,549 |
| Premises and equipment expense | $56,000 | 6,500 |
| Additional noninterest expense | $276,000 | 4,053 |
| Pre-tax net operating income | $190,000 | 6,068 |
| Securities gains (losses) | $-43,000 | 8,764 |
| Applicable income taxes | $21,000 | 5,628 |
| Income before extraordinary items | $126,000 | 6,465 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $126,000 | 6,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $195,000 | 2,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $162,980 | 5,894 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,820,000 | 3,884 |
| Total interest expense | $3,019,000 | 2,621 |
| Net interest income | $3,801,000 | 4,656 |
| Provision for loan and lease losses | $7,000 | 7,125 |
| Total noninterest income | $-116,000 | 8,967 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $238,000 | 4,848 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-354,000 | 8,975 |
| Total noninterest expense | $2,105,000 | 5,844 |
| Salaries and employee benefits | $964,000 | 6,403 |
| Premises and equipment expense | $213,000 | 6,599 |
| Additional noninterest expense | $928,000 | 4,598 |
| Pre-tax net operating income | $1,573,000 | 4,127 |
| Securities gains (losses) | $-1,053,000 | 8,905 |
| Applicable income taxes | $100,000 | 5,504 |
| Income before extraordinary items | $420,000 | 6,672 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $420,000 | 6,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,405 |
| Cash dividends | $780,000 | 2,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,272,930 | 3,994 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,165,000 | 3,832 |
| Total interest expense | $2,227,000 | 2,610 |
| Net interest income | $2,938,000 | 4,542 |
| Provision for loan and lease losses | $7,000 | 6,892 |
| Total noninterest income | $-110,000 | 9,019 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $181,000 | 4,846 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-291,000 | 9,029 |
| Total noninterest expense | $1,517,000 | 5,921 |
| Salaries and employee benefits | $675,000 | 6,567 |
| Premises and equipment expense | $154,000 | 6,667 |
| Additional noninterest expense | $688,000 | 4,589 |
| Pre-tax net operating income | $1,304,000 | 3,951 |
| Securities gains (losses) | $270,000 | 643 |
| Applicable income taxes | $378,000 | 3,405 |
| Income before extraordinary items | $1,196,000 | 3,544 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,196,000 | 3,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,778 |
| Cash dividends | $585,000 | 2,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $990,800 | 3,963 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,371,000 | 3,889 |
| Total interest expense | $1,423,000 | 2,690 |
| Net interest income | $1,948,000 | 4,558 |
| Provision for loan and lease losses | $4,000 | 6,726 |
| Total noninterest income | $299,000 | 4,838 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $117,000 | 4,926 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $182,000 | 3,939 |
| Total noninterest expense | $960,000 | 6,138 |
| Salaries and employee benefits | $453,000 | 6,592 |
| Premises and equipment expense | $100,000 | 6,777 |
| Additional noninterest expense | $407,000 | 5,005 |
| Pre-tax net operating income | $1,283,000 | 2,954 |
| Securities gains (losses) | $156,000 | 767 |
| Applicable income taxes | $378,000 | 2,663 |
| Income before extraordinary items | $1,061,000 | 2,795 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,061,000 | 2,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $390,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $945,560 | 2,988 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,615,000 | 4,036 |
| Total interest expense | $683,000 | 2,804 |
| Net interest income | $932,000 | 4,709 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $149,000 | 4,795 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $57,000 | 4,910 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $92,000 | 3,884 |
| Total noninterest expense | $466,000 | 6,282 |
| Salaries and employee benefits | $211,000 | 6,843 |
| Premises and equipment expense | $41,000 | 7,205 |
| Additional noninterest expense | $214,000 | 4,834 |
| Pre-tax net operating income | $615,000 | 3,024 |
| Securities gains (losses) | $107,000 | 766 |
| Applicable income taxes | $190,000 | 2,655 |
| Income before extraordinary items | $532,000 | 2,800 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $532,000 | 2,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $195,000 | 2,244 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $452,820 | 3,072 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,285,000 | 4,710 |
| Total interest expense | $2,348,000 | 3,509 |
| Net interest income | $2,937,000 | 5,380 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $422,000 | 5,857 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $157,000 | 5,772 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $265,000 | 4,741 |
| Total noninterest expense | $1,886,000 | 6,183 |
| Salaries and employee benefits | $947,000 | 6,448 |
| Premises and equipment expense | $213,000 | 6,632 |
| Additional noninterest expense | $726,000 | 5,376 |
| Pre-tax net operating income | $1,473,000 | 4,169 |
| Securities gains (losses) | $444,000 | 818 |
| Applicable income taxes | $443,000 | 3,591 |
| Income before extraordinary items | $1,474,000 | 3,602 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,474,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,477 |
| Cash dividends | $725,000 | 2,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,132,120 | 4,119 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,714,000 | 4,989 |
| Total interest expense | $1,719,000 | 3,692 |
| Net interest income | $1,995,000 | 5,722 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $215,000 | 6,726 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $110,000 | 5,945 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $105,000 | 5,986 |
| Total noninterest expense | $1,346,000 | 6,330 |
| Salaries and employee benefits | $675,000 | 6,585 |
| Premises and equipment expense | $145,000 | 6,860 |
| Additional noninterest expense | $526,000 | 5,479 |
| Pre-tax net operating income | $864,000 | 4,936 |
| Securities gains (losses) | $372,000 | 829 |
| Applicable income taxes | $269,000 | 4,128 |
| Income before extraordinary items | $967,000 | 4,062 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $967,000 | 4,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,291 |
| Cash dividends | $585,000 | 2,468 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $676,840 | 4,894 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,405,000 | 5,127 |
| Total interest expense | $1,153,000 | 3,794 |
| Net interest income | $1,252,000 | 5,929 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $127,000 | 6,961 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $71,000 | 5,997 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $56,000 | 6,368 |
| Total noninterest expense | $875,000 | 6,422 |
| Salaries and employee benefits | $473,000 | 6,453 |
| Premises and equipment expense | $104,000 | 6,670 |
| Additional noninterest expense | $298,000 | 5,997 |
| Pre-tax net operating income | $504,000 | 5,287 |
| Securities gains (losses) | $288,000 | 825 |
| Applicable income taxes | $167,000 | 4,301 |
| Income before extraordinary items | $625,000 | 4,171 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $625,000 | 4,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,223 |
| Cash dividends | $390,000 | 2,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $397,480 | 5,223 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,170,000 | 5,246 |
| Total interest expense | $573,000 | 3,906 |
| Net interest income | $597,000 | 6,076 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $16,000 | 8,775 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $37,000 | 5,850 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-21,000 | 9,293 |
| Total noninterest expense | $448,000 | 6,351 |
| Salaries and employee benefits | $223,000 | 6,648 |
| Premises and equipment expense | $56,000 | 6,474 |
| Additional noninterest expense | $169,000 | 5,559 |
| Pre-tax net operating income | $165,000 | 6,274 |
| Securities gains (losses) | $126,000 | 876 |
| Applicable income taxes | $37,000 | 5,499 |
| Income before extraordinary items | $254,000 | 4,678 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $254,000 | 4,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,979 |
| Cash dividends | $195,000 | 2,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $144,380 | 5,928 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,506,000 | 4,836 |
| Total interest expense | $2,376,000 | 4,265 |
| Net interest income | $3,130,000 | 5,164 |
| Provision for loan and lease losses | $33,000 | 7,142 |
| Total noninterest income | $54,000 | 8,926 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $161,000 | 5,692 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-107,000 | 9,330 |
| Total noninterest expense | $1,923,000 | 6,012 |
| Salaries and employee benefits | $1,060,000 | 5,925 |
| Premises and equipment expense | $193,000 | 6,844 |
| Additional noninterest expense | $670,000 | 5,549 |
| Pre-tax net operating income | $1,228,000 | 4,640 |
| Securities gains (losses) | $11,000 | 3,555 |
| Applicable income taxes | $242,000 | 4,814 |
| Income before extraordinary items | $997,000 | 4,614 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $997,000 | 4,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,261 |
| Cash dividends | $722,000 | 2,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $988,200 | 4,516 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,578,000 | 4,636 |
| Total interest expense | $3,897,000 | 3,885 |
| Net interest income | $2,681,000 | 5,487 |
| Provision for loan and lease losses | $26,000 | 7,353 |
| Total noninterest income | $300,000 | 6,428 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $196,000 | 5,211 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $104,000 | 6,355 |
| Total noninterest expense | $1,924,000 | 5,886 |
| Salaries and employee benefits | $1,136,000 | 5,523 |
| Premises and equipment expense | $176,000 | 7,126 |
| Additional noninterest expense | $612,000 | 5,760 |
| Pre-tax net operating income | $1,031,000 | 4,828 |
| Securities gains (losses) | $237,000 | 1,058 |
| Applicable income taxes | $337,000 | 4,052 |
| Income before extraordinary items | $931,000 | 4,473 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $931,000 | 4,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,241 |
| Cash dividends | $685,000 | 2,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $757,990 | 4,911 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,475,000 | 4,349 |
| Total interest expense | $4,732,000 | 3,474 |
| Net interest income | $2,743,000 | 5,477 |
| Provision for loan and lease losses | $5,000 | 8,144 |
| Total noninterest income | $319,000 | 6,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 5,687 |
| Total noninterest expense | $1,850,000 | 5,965 |
| Salaries and employee benefits | $1,079,000 | 5,627 |
| Premises and equipment expense | $204,000 | 6,706 |
| Additional noninterest expense | $567,000 | 5,981 |
| Pre-tax net operating income | $1,207,000 | 4,705 |
| Securities gains (losses) | $10,000 | 1,158 |
| Applicable income taxes | $324,000 | 4,423 |
| Income before extraordinary items | $893,000 | 4,710 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $893,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $661,000 | 3,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $885,700 | 4,734 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,858,000 | 5,035 |
| Total interest expense | $3,189,000 | 4,370 |
| Net interest income | $2,669,000 | 5,575 |
| Provision for loan and lease losses | $15,000 | 7,855 |
| Total noninterest income | $310,000 | 6,356 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,507 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $138,000 | 5,795 |
| Total noninterest expense | $1,976,000 | 5,731 |
| Salaries and employee benefits | $1,194,000 | 5,179 |
| Premises and equipment expense | $241,000 | 6,169 |
| Additional noninterest expense | $541,000 | 6,213 |
| Pre-tax net operating income | $988,000 | 5,343 |
| Securities gains (losses) | $124,000 | 656 |
| Applicable income taxes | $316,000 | 4,699 |
| Income before extraordinary items | $796,000 | 5,109 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $796,000 | 5,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $796,000 | 2,690 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $706,720 | 5,401 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,461,000 | 5,328 |
| Total interest expense | $2,903,000 | 4,844 |
| Net interest income | $2,558,000 | 5,751 |
| Provision for loan and lease losses | $25,000 | 7,503 |
| Total noninterest income | $282,000 | 6,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 5,635 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,324 |
| Total noninterest expense | $1,984,000 | 5,632 |
| Salaries and employee benefits | $1,131,000 | 5,303 |
| Premises and equipment expense | $172,000 | 7,202 |
| Additional noninterest expense | $681,000 | 5,275 |
| Pre-tax net operating income | $831,000 | 5,967 |
| Securities gains (losses) | $205,000 | 905 |
| Applicable income taxes | $196,000 | 6,239 |
| Income before extraordinary items | $840,000 | 5,033 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $840,000 | 5,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,973 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $673,950 | 5,616 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,233,000 | 4,911 |
| Total interest expense | $3,345,000 | 4,288 |
| Net interest income | $2,888,000 | 5,464 |
| Provision for loan and lease losses | $22,000 | 7,821 |
| Total noninterest income | $322,000 | 6,427 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,462 |
| Total noninterest expense | $1,784,000 | 6,103 |
| Salaries and employee benefits | $1,040,000 | 5,714 |
| Premises and equipment expense | $206,000 | 6,745 |
| Additional noninterest expense | $538,000 | 6,205 |
| Pre-tax net operating income | $1,404,000 | 4,719 |
| Securities gains (losses) | $51,000 | 1,331 |
| Applicable income taxes | $358,000 | 5,227 |
| Income before extraordinary items | $1,097,000 | 4,382 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,097,000 | 4,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,640 |
| Cash dividends | $474,000 | 3,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,058,750 | 4,436 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,258,000 | 5,714 |
| Total interest expense | $2,526,000 | 5,466 |
| Net interest income | $2,732,000 | 5,829 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $178,000 | 8,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 8,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,477 |
| Total noninterest expense | $1,609,000 | 6,819 |
| Salaries and employee benefits | $955,000 | 6,196 |
| Premises and equipment expense | $189,000 | 7,240 |
| Additional noninterest expense | $465,000 | 7,347 |
| Pre-tax net operating income | $1,301,000 | 4,827 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $286,000 | 5,990 |
| Income before extraordinary items | $1,023,000 | 4,405 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,023,000 | 4,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $472,000 | 3,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,016,760 | 4,369 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,263,000 | 5,771 |
| Total interest expense | $2,776,000 | 5,090 |
| Net interest income | $2,487,000 | 6,346 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $176,000 | 8,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,698 |
| Total noninterest expense | $1,759,000 | 6,573 |
| Salaries and employee benefits | $1,042,000 | 5,843 |
| Premises and equipment expense | $194,000 | 7,315 |
| Additional noninterest expense | $523,000 | 7,093 |
| Pre-tax net operating income | $895,000 | 6,443 |
| Securities gains (losses) | $21,000 | 1,877 |
| Applicable income taxes | $191,000 | 7,580 |
| Income before extraordinary items | $725,000 | 5,842 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $725,000 | 5,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $462,000 | 3,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $708,410 | 5,919 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,739,000 | 5,913 |
| Total interest expense | $2,290,000 | 4,996 |
| Net interest income | $2,449,000 | 6,572 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $178,000 | 9,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 9,555 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,824 |
| Total noninterest expense | $1,785,000 | 6,735 |
| Salaries and employee benefits | $973,000 | 6,222 |
| Premises and equipment expense | $231,000 | 6,847 |
| Additional noninterest expense | $581,000 | 7,171 |
| Pre-tax net operating income | $842,000 | 6,663 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $153,000 | 8,250 |
| Income before extraordinary items | $693,000 | 5,962 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $693,000 | 5,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 11,591 |
| Cash dividends | $472,000 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $689,720 | 6,038 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,867,000 | 5,912 |
| Total interest expense | $2,121,000 | 5,561 |
| Net interest income | $2,746,000 | 6,073 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $137,000 | 10,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $1,675,000 | 7,272 |
| Salaries and employee benefits | $867,000 | 6,913 |
| Premises and equipment expense | $199,000 | 7,707 |
| Additional noninterest expense | $609,000 | 7,251 |
| Pre-tax net operating income | $1,208,000 | 5,156 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $198,000 | 7,661 |
| Income before extraordinary items | $1,010,000 | 4,664 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,010,000 | 4,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 12,713 |
| Cash dividends | $855,000 | 2,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,010,000 | 4,431 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,177,000 | 6,206 |
| Total interest expense | $2,523,000 | 5,950 |
| Net interest income | $2,654,000 | 6,307 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $132,000 | 10,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 10,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,942 |
| Total noninterest expense | $1,574,000 | 7,655 |
| Salaries and employee benefits | $858,000 | 6,880 |
| Premises and equipment expense | $159,000 | 8,856 |
| Additional noninterest expense | $557,000 | 7,904 |
| Pre-tax net operating income | $1,212,000 | 4,883 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $419,000 | 4,617 |
| Income before extraordinary items | $795,000 | 5,391 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $795,000 | 5,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 7,168 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $793,700 | 5,085 |
* 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.