Home > The First Western Bank Sturgis > Income and Expense
The First Western Bank Sturgis, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,595,000 | 1,411 |
| Total interest expense | $4,031,000 | 1,619 |
| Net interest income | $8,564,000 | 1,299 |
| Provision for loan and lease losses | $985,000 | 2,087 |
| Total noninterest income | $1,642,000 | 1,542 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $691,000 | 1,231 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $951,000 | 1,477 |
| Total noninterest expense | $6,001,000 | 1,713 |
| Salaries and employee benefits | $2,656,000 | 1,905 |
| Premises and equipment expense | $473,000 | 2,782 |
| Additional noninterest expense | $2,872,000 | 1,297 |
| Pre-tax net operating income | $3,220,000 | 719 |
| Securities gains (losses) | $4,000 | 2,814 |
| Applicable income taxes | $1,107,000 | 556 |
| Income before extraordinary items | $2,117,000 | 892 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,117,000 | 892 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,117,000 | 892 |
| Net charge-offs | $541,000 | 2,265 |
| Cash dividends | $750,000 | 1,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,114,360 | 862 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,215,000 | 1,452 |
| Total interest expense | $2,043,000 | 1,661 |
| Net interest income | $4,172,000 | 1,322 |
| Provision for loan and lease losses | $390,000 | 2,019 |
| Total noninterest income | $707,000 | 1,689 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $318,000 | 1,298 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $389,000 | 1,647 |
| Total noninterest expense | $2,796,000 | 1,769 |
| Salaries and employee benefits | $1,346,000 | 1,909 |
| Premises and equipment expense | $254,000 | 2,647 |
| Additional noninterest expense | $1,196,000 | 1,362 |
| Pre-tax net operating income | $1,693,000 | 745 |
| Securities gains (losses) | $4,000 | 2,106 |
| Applicable income taxes | $591,000 | 561 |
| Income before extraordinary items | $1,106,000 | 965 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,106,000 | 966 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,106,000 | 967 |
| Net charge-offs | $506,000 | 1,357 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,103,400 | 912 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $27,016,000 | 1,434 |
| Total interest expense | $9,475,000 | 1,709 |
| Net interest income | $17,541,000 | 1,259 |
| Provision for loan and lease losses | $4,181,000 | 1,140 |
| Total noninterest income | $3,446,000 | 1,421 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,483,000 | 1,215 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,963,000 | 1,316 |
| Total noninterest expense | $11,588,000 | 1,682 |
| Salaries and employee benefits | $5,911,000 | 1,731 |
| Premises and equipment expense | $917,000 | 2,830 |
| Additional noninterest expense | $4,760,000 | 1,329 |
| Pre-tax net operating income | $5,218,000 | 1,063 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $1,678,000 | 785 |
| Income before extraordinary items | $3,542,000 | 1,173 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,542,000 | 1,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,880,000 | 1,030 |
| Cash dividends | $3,000,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,540,640 | 1,251 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,445,000 | 1,453 |
| Total interest expense | $7,042,000 | 1,796 |
| Net interest income | $13,403,000 | 1,255 |
| Provision for loan and lease losses | $1,432,000 | 1,471 |
| Total noninterest income | $2,298,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,065,000 | 1,274 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,233,000 | 1,570 |
| Total noninterest expense | $8,551,000 | 1,700 |
| Salaries and employee benefits | $4,347,000 | 1,785 |
| Premises and equipment expense | $830,000 | 2,410 |
| Additional noninterest expense | $3,374,000 | 1,334 |
| Pre-tax net operating income | $5,718,000 | 890 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,910,000 | 678 |
| Income before extraordinary items | $3,808,000 | 963 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,808,000 | 962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,385 |
| Cash dividends | $3,000,000 | 708 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,808,000 | 1,022 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,682,000 | 1,475 |
| Total interest expense | $4,696,000 | 1,849 |
| Net interest income | $8,986,000 | 1,246 |
| Provision for loan and lease losses | $208,000 | 3,094 |
| Total noninterest income | $1,516,000 | 1,631 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $709,000 | 1,250 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $807,000 | 1,631 |
| Total noninterest expense | $5,564,000 | 1,737 |
| Salaries and employee benefits | $2,845,000 | 1,839 |
| Premises and equipment expense | $532,000 | 2,506 |
| Additional noninterest expense | $2,187,000 | 1,349 |
| Pre-tax net operating income | $4,730,000 | 743 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,579,000 | 632 |
| Income before extraordinary items | $3,151,000 | 867 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,151,000 | 867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,222 |
| Cash dividends | $2,000,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,151,000 | 850 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,981,000 | 1,480 |
| Total interest expense | $2,525,000 | 1,858 |
| Net interest income | $4,456,000 | 1,243 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $648,000 | 1,844 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $349,000 | 1,260 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $299,000 | 1,978 |
| Total noninterest expense | $2,590,000 | 1,854 |
| Salaries and employee benefits | $1,335,000 | 1,971 |
| Premises and equipment expense | $226,000 | 2,912 |
| Additional noninterest expense | $1,029,000 | 1,396 |
| Pre-tax net operating income | $2,439,000 | 777 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $760,000 | 718 |
| Income before extraordinary items | $1,679,000 | 894 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,679,000 | 895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,201 |
| Cash dividends | $1,000,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,679,000 | 853 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,967,000 | 1,484 |
| Total interest expense | $12,050,000 | 1,659 |
| Net interest income | $16,917,000 | 1,323 |
| Provision for loan and lease losses | $4,325,000 | 467 |
| Total noninterest income | $2,770,000 | 1,736 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,423,000 | 1,251 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,347,000 | 1,809 |
| Total noninterest expense | $8,914,000 | 2,064 |
| Salaries and employee benefits | $5,135,000 | 1,961 |
| Premises and equipment expense | $897,000 | 2,808 |
| Additional noninterest expense | $2,882,000 | 1,906 |
| Pre-tax net operating income | $6,448,000 | 1,305 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $427,000 | 2,940 |
| Income before extraordinary items | $6,021,000 | 1,080 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,021,000 | 1,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,490 |
| Cash dividends | $5,360,000 | 701 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,021,000 | 1,064 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,535,000 | 1,507 |
| Total interest expense | $8,960,000 | 1,670 |
| Net interest income | $12,575,000 | 1,337 |
| Provision for loan and lease losses | $225,000 | 2,782 |
| Total noninterest income | $2,078,000 | 1,740 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,057,000 | 1,240 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,021,000 | 1,809 |
| Total noninterest expense | $6,315,000 | 2,152 |
| Salaries and employee benefits | $3,530,000 | 2,138 |
| Premises and equipment expense | $640,000 | 2,910 |
| Additional noninterest expense | $2,145,000 | 1,881 |
| Pre-tax net operating income | $8,113,000 | 860 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $334,000 | 3,046 |
| Income before extraordinary items | $7,779,000 | 669 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $7,779,000 | 667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,889 |
| Cash dividends | $5,360,000 | 542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $7,779,000 | 658 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,095,000 | 1,552 |
| Total interest expense | $5,870,000 | 1,710 |
| Net interest income | $8,225,000 | 1,386 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $1,322,000 | 1,820 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $688,000 | 1,279 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $634,000 | 1,908 |
| Total noninterest expense | $4,110,000 | 2,228 |
| Salaries and employee benefits | $2,355,000 | 2,177 |
| Premises and equipment expense | $376,000 | 3,245 |
| Additional noninterest expense | $1,379,000 | 1,953 |
| Pre-tax net operating income | $5,287,000 | 908 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $207,000 | 3,215 |
| Income before extraordinary items | $5,080,000 | 719 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,080,000 | 718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,680 |
| Cash dividends | $3,805,000 | 530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,080,000 | 710 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,942,000 | 1,564 |
| Total interest expense | $2,859,000 | 1,744 |
| Net interest income | $4,083,000 | 1,394 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $655,000 | 1,817 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $333,000 | 1,296 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $322,000 | 1,864 |
| Total noninterest expense | $2,094,000 | 2,213 |
| Salaries and employee benefits | $1,178,000 | 2,180 |
| Premises and equipment expense | $208,000 | 3,009 |
| Additional noninterest expense | $708,000 | 1,877 |
| Pre-tax net operating income | $2,569,000 | 919 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $102,000 | 3,242 |
| Income before extraordinary items | $2,467,000 | 735 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,467,000 | 734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,041 |
| Cash dividends | $1,482,000 | 602 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,467,000 | 726 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,267,000 | 1,598 |
| Total interest expense | $10,112,000 | 1,659 |
| Net interest income | $15,155,000 | 1,509 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $2,648,000 | 1,798 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,379,000 | 1,290 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,269,000 | 1,882 |
| Total noninterest expense | $8,502,000 | 2,070 |
| Salaries and employee benefits | $4,812,000 | 2,028 |
| Premises and equipment expense | $803,000 | 2,998 |
| Additional noninterest expense | $2,887,000 | 1,828 |
| Pre-tax net operating income | $9,301,000 | 1,059 |
| Securities gains (losses) | $11,000 | 1,071 |
| Applicable income taxes | $364,000 | 3,554 |
| Income before extraordinary items | $8,948,000 | 831 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,948,000 | 830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,884 |
| Cash dividends | $5,357,000 | 660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $8,937,440 | 822 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,444,000 | 1,614 |
| Total interest expense | $7,284,000 | 1,685 |
| Net interest income | $11,160,000 | 1,550 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,969,000 | 1,826 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,045,000 | 1,282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $924,000 | 1,938 |
| Total noninterest expense | $6,244,000 | 2,134 |
| Salaries and employee benefits | $3,418,000 | 2,152 |
| Premises and equipment expense | $562,000 | 3,166 |
| Additional noninterest expense | $2,264,000 | 1,727 |
| Pre-tax net operating income | $6,885,000 | 1,113 |
| Securities gains (losses) | $11,000 | 877 |
| Applicable income taxes | $282,000 | 3,672 |
| Income before extraordinary items | $6,614,000 | 884 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,614,000 | 883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,017 |
| Cash dividends | $3,633,000 | 707 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $6,603,440 | 873 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,917,000 | 1,629 |
| Total interest expense | $4,556,000 | 1,703 |
| Net interest income | $7,361,000 | 1,571 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,304,000 | 1,830 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $709,000 | 1,252 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $595,000 | 1,976 |
| Total noninterest expense | $4,066,000 | 2,176 |
| Salaries and employee benefits | $2,275,000 | 2,160 |
| Premises and equipment expense | $312,000 | 3,653 |
| Additional noninterest expense | $1,479,000 | 1,773 |
| Pre-tax net operating income | $4,599,000 | 1,106 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $191,000 | 3,673 |
| Income before extraordinary items | $4,408,000 | 887 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,408,000 | 888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,558 |
| Cash dividends | $2,874,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,408,000 | 869 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,746,000 | 1,657 |
| Total interest expense | $2,098,000 | 1,747 |
| Net interest income | $3,648,000 | 1,569 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $612,000 | 1,910 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $328,000 | 1,307 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $284,000 | 2,021 |
| Total noninterest expense | $2,056,000 | 2,156 |
| Salaries and employee benefits | $1,134,000 | 2,173 |
| Premises and equipment expense | $183,000 | 3,224 |
| Additional noninterest expense | $739,000 | 1,774 |
| Pre-tax net operating income | $2,204,000 | 1,128 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $87,000 | 3,781 |
| Income before extraordinary items | $2,117,000 | 897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,117,000 | 896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,493 |
| Cash dividends | $555,000 | 1,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,117,000 | 878 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $20,865,000 | 1,621 |
| Total interest expense | $6,828,000 | 1,666 |
| Net interest income | $14,037,000 | 1,561 |
| Provision for loan and lease losses | $525,000 | 1,816 |
| Total noninterest income | $2,828,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,393,000 | 1,275 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,435,000 | 1,723 |
| Total noninterest expense | $8,031,000 | 2,074 |
| Salaries and employee benefits | $4,512,000 | 2,038 |
| Premises and equipment expense | $741,000 | 3,101 |
| Additional noninterest expense | $2,778,000 | 1,821 |
| Pre-tax net operating income | $8,309,000 | 1,162 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $349,000 | 3,916 |
| Income before extraordinary items | $7,964,000 | 906 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,964,000 | 906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,143 |
| Cash dividends | $7,559,000 | 472 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,960,160 | 890 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,299,000 | 1,613 |
| Total interest expense | $4,832,000 | 1,671 |
| Net interest income | $10,467,000 | 1,552 |
| Provision for loan and lease losses | $465,000 | 1,494 |
| Total noninterest income | $2,228,000 | 1,622 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,057,000 | 1,243 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,171,000 | 1,614 |
| Total noninterest expense | $5,786,000 | 2,137 |
| Salaries and employee benefits | $3,261,000 | 2,099 |
| Premises and equipment expense | $495,000 | 3,381 |
| Additional noninterest expense | $2,030,000 | 1,837 |
| Pre-tax net operating income | $6,444,000 | 1,117 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $281,000 | 3,905 |
| Income before extraordinary items | $6,167,000 | 872 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,167,000 | 873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,516 |
| Cash dividends | $5,839,000 | 420 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,163,160 | 855 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,950,000 | 1,613 |
| Total interest expense | $3,074,000 | 1,652 |
| Net interest income | $6,876,000 | 1,559 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $1,224,000 | 1,903 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $702,000 | 1,213 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $522,000 | 2,125 |
| Total noninterest expense | $3,815,000 | 2,146 |
| Salaries and employee benefits | $2,169,000 | 2,091 |
| Premises and equipment expense | $304,000 | 3,587 |
| Additional noninterest expense | $1,342,000 | 1,842 |
| Pre-tax net operating income | $4,165,000 | 1,124 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $176,000 | 4,015 |
| Income before extraordinary items | $3,993,000 | 874 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,993,000 | 874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $4,372,000 | 375 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,989,160 | 852 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,831,000 | 1,626 |
| Total interest expense | $1,475,000 | 1,619 |
| Net interest income | $3,356,000 | 1,585 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $603,000 | 1,875 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $349,000 | 1,179 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $254,000 | 2,129 |
| Total noninterest expense | $1,940,000 | 2,130 |
| Salaries and employee benefits | $1,089,000 | 2,099 |
| Premises and equipment expense | $201,000 | 2,871 |
| Additional noninterest expense | $650,000 | 1,885 |
| Pre-tax net operating income | $1,959,000 | 1,171 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $83,000 | 4,062 |
| Income before extraordinary items | $1,876,000 | 925 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,876,000 | 925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $1,322,000 | 518 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,876,000 | 903 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,170,000 | 1,588 |
| Total interest expense | $5,192,000 | 1,585 |
| Net interest income | $12,978,000 | 1,567 |
| Provision for loan and lease losses | $320,000 | 2,785 |
| Total noninterest income | $2,423,000 | 1,916 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,244,000 | 1,416 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,179,000 | 1,929 |
| Total noninterest expense | $7,843,000 | 2,040 |
| Salaries and employee benefits | $4,278,000 | 2,033 |
| Premises and equipment expense | $847,000 | 2,649 |
| Additional noninterest expense | $2,718,000 | 1,796 |
| Pre-tax net operating income | $7,238,000 | 1,197 |
| Securities gains (losses) | $79,000 | 1,404 |
| Applicable income taxes | $325,000 | 4,061 |
| Income before extraordinary items | $6,992,000 | 949 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,992,000 | 950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,344 |
| Cash dividends | $4,561,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,916,160 | 915 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,318,000 | 1,607 |
| Total interest expense | $3,754,000 | 1,610 |
| Net interest income | $9,564,000 | 1,578 |
| Provision for loan and lease losses | $260,000 | 2,516 |
| Total noninterest income | $1,772,000 | 1,956 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $934,000 | 1,426 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $838,000 | 2,009 |
| Total noninterest expense | $5,744,000 | 2,085 |
| Salaries and employee benefits | $3,061,000 | 2,130 |
| Premises and equipment expense | $643,000 | 2,617 |
| Additional noninterest expense | $2,040,000 | 1,763 |
| Pre-tax net operating income | $5,332,000 | 1,233 |
| Securities gains (losses) | $79,000 | 1,334 |
| Applicable income taxes | $246,000 | 4,112 |
| Income before extraordinary items | $5,165,000 | 964 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,165,000 | 965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,640 |
| Cash dividends | $3,361,000 | 640 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,089,950 | 948 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,682,000 | 1,626 |
| Total interest expense | $2,428,000 | 1,638 |
| Net interest income | $6,254,000 | 1,594 |
| Provision for loan and lease losses | $200,000 | 2,196 |
| Total noninterest income | $1,151,000 | 1,984 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $613,000 | 1,435 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $538,000 | 2,075 |
| Total noninterest expense | $3,821,000 | 2,090 |
| Salaries and employee benefits | $2,035,000 | 2,142 |
| Premises and equipment expense | $427,000 | 2,629 |
| Additional noninterest expense | $1,359,000 | 1,757 |
| Pre-tax net operating income | $3,384,000 | 1,260 |
| Securities gains (losses) | $79,000 | 1,174 |
| Applicable income taxes | $163,000 | 4,118 |
| Income before extraordinary items | $3,300,000 | 992 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,300,000 | 993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $2,511,000 | 578 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,224,950 | 979 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,265,000 | 1,653 |
| Total interest expense | $1,198,000 | 1,678 |
| Net interest income | $3,067,000 | 1,623 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $552,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $295,000 | 1,452 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $257,000 | 2,090 |
| Total noninterest expense | $1,925,000 | 2,081 |
| Salaries and employee benefits | $1,018,000 | 2,153 |
| Premises and equipment expense | $219,000 | 2,585 |
| Additional noninterest expense | $688,000 | 1,725 |
| Pre-tax net operating income | $1,634,000 | 1,295 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $70,000 | 4,347 |
| Income before extraordinary items | $1,566,000 | 1,057 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,566,000 | 1,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $611,000 | 1,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,564,080 | 991 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,070,000 | 1,675 |
| Total interest expense | $5,583,000 | 1,612 |
| Net interest income | $11,487,000 | 1,690 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $2,672,000 | 1,849 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,118,000 | 1,539 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,554,000 | 1,774 |
| Total noninterest expense | $7,512,000 | 2,094 |
| Salaries and employee benefits | $3,992,000 | 2,126 |
| Premises and equipment expense | $869,000 | 2,566 |
| Additional noninterest expense | $2,651,000 | 1,819 |
| Pre-tax net operating income | $6,407,000 | 1,286 |
| Securities gains (losses) | $93,000 | 1,959 |
| Applicable income taxes | $222,000 | 4,770 |
| Income before extraordinary items | $6,278,000 | 1,020 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,278,000 | 1,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 1,876 |
| Cash dividends | $4,625,000 | 696 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,187,790 | 975 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,868,000 | 1,695 |
| Total interest expense | $4,271,000 | 1,650 |
| Net interest income | $8,597,000 | 1,704 |
| Provision for loan and lease losses | $220,000 | 3,174 |
| Total noninterest income | $1,915,000 | 1,971 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $806,000 | 1,604 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,109,000 | 1,905 |
| Total noninterest expense | $5,412,000 | 2,177 |
| Salaries and employee benefits | $2,867,000 | 2,217 |
| Premises and equipment expense | $646,000 | 2,592 |
| Additional noninterest expense | $1,899,000 | 1,887 |
| Pre-tax net operating income | $4,880,000 | 1,322 |
| Securities gains (losses) | $94,000 | 1,810 |
| Applicable income taxes | $174,000 | 4,875 |
| Income before extraordinary items | $4,800,000 | 1,048 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,800,000 | 1,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,836 |
| Cash dividends | $3,650,000 | 618 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,708,820 | 999 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,017,000 | 1,626 |
| Total interest expense | $2,905,000 | 1,681 |
| Net interest income | $6,112,000 | 1,597 |
| Provision for loan and lease losses | $200,000 | 2,502 |
| Total noninterest income | $744,000 | 2,895 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $500,000 | 1,691 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $244,000 | 3,668 |
| Total noninterest expense | $3,606,000 | 2,176 |
| Salaries and employee benefits | $1,889,000 | 2,241 |
| Premises and equipment expense | $445,000 | 2,515 |
| Additional noninterest expense | $1,272,000 | 1,883 |
| Pre-tax net operating income | $3,050,000 | 1,400 |
| Securities gains (losses) | $79,000 | 1,687 |
| Applicable income taxes | $96,000 | 5,195 |
| Income before extraordinary items | $3,033,000 | 1,106 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,033,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,150 |
| Cash dividends | $2,463,000 | 615 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,956,370 | 1,055 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,480,000 | 1,653 |
| Total interest expense | $1,481,000 | 1,685 |
| Net interest income | $2,999,000 | 1,636 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $353,000 | 2,902 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $231,000 | 1,769 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $122,000 | 3,572 |
| Total noninterest expense | $1,782,000 | 2,194 |
| Salaries and employee benefits | $942,000 | 2,237 |
| Premises and equipment expense | $220,000 | 2,543 |
| Additional noninterest expense | $620,000 | 1,890 |
| Pre-tax net operating income | $1,510,000 | 1,422 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $26,000 | 5,851 |
| Income before extraordinary items | $1,484,000 | 1,127 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,484,000 | 1,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $1,330,000 | 531 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,484,000 | 1,037 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,273,000 | 1,683 |
| Total interest expense | $6,785,000 | 1,685 |
| Net interest income | $11,488,000 | 1,692 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $1,400,000 | 2,750 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $939,000 | 1,708 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $461,000 | 3,440 |
| Total noninterest expense | $7,034,000 | 2,137 |
| Salaries and employee benefits | $3,728,000 | 2,143 |
| Premises and equipment expense | $859,000 | 2,515 |
| Additional noninterest expense | $2,447,000 | 1,889 |
| Pre-tax net operating income | $5,614,000 | 1,480 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $229,000 | 4,902 |
| Income before extraordinary items | $5,385,000 | 1,169 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,385,000 | 1,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,236 |
| Cash dividends | $2,950,000 | 943 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,385,000 | 1,122 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,900,000 | 1,709 |
| Total interest expense | $9,316,000 | 1,743 |
| Net interest income | $10,584,000 | 1,688 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $2,344,000 | 1,781 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,020,000 | 1,449 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,324,000 | 1,682 |
| Total noninterest expense | $7,008,000 | 2,051 |
| Salaries and employee benefits | $3,456,000 | 2,168 |
| Premises and equipment expense | $1,339,000 | 1,606 |
| Additional noninterest expense | $2,213,000 | 2,035 |
| Pre-tax net operating income | $5,680,000 | 1,302 |
| Securities gains (losses) | $138,000 | 1,470 |
| Applicable income taxes | $240,000 | 4,677 |
| Income before extraordinary items | $5,578,000 | 989 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,578,000 | 990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,035 |
| Cash dividends | $3,595,000 | 787 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,445,520 | 968 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,853,000 | 1,854 |
| Total interest expense | $9,363,000 | 1,841 |
| Net interest income | $9,490,000 | 1,857 |
| Provision for loan and lease losses | $246,000 | 3,276 |
| Total noninterest income | $2,246,000 | 1,720 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $880,000 | 1,557 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,366,000 | 1,486 |
| Total noninterest expense | $6,528,000 | 2,112 |
| Salaries and employee benefits | $3,457,000 | 2,062 |
| Premises and equipment expense | $1,178,000 | 1,776 |
| Additional noninterest expense | $1,893,000 | 2,280 |
| Pre-tax net operating income | $4,962,000 | 1,492 |
| Securities gains (losses) | $27,000 | 874 |
| Applicable income taxes | $268,000 | 4,834 |
| Income before extraordinary items | $4,721,000 | 1,123 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,721,000 | 1,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,301 |
| Cash dividends | $4,539,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,695,350 | 1,123 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,855,000 | 1,931 |
| Total interest expense | $7,897,000 | 1,906 |
| Net interest income | $8,958,000 | 1,967 |
| Provision for loan and lease losses | $246,000 | 3,082 |
| Total noninterest income | $1,967,000 | 1,884 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $740,000 | 1,792 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,227,000 | 1,612 |
| Total noninterest expense | $6,042,000 | 2,260 |
| Salaries and employee benefits | $3,132,000 | 2,239 |
| Premises and equipment expense | $1,146,000 | 1,780 |
| Additional noninterest expense | $1,764,000 | 2,462 |
| Pre-tax net operating income | $4,637,000 | 1,619 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $174,000 | 5,984 |
| Income before extraordinary items | $4,463,000 | 1,220 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,463,000 | 1,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,097 |
| Cash dividends | $3,128,000 | 924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,463,000 | 1,203 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,574,000 | 1,947 |
| Total interest expense | $8,049,000 | 1,899 |
| Net interest income | $8,525,000 | 2,009 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $1,313,000 | 2,505 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $691,000 | 1,852 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $622,000 | 2,584 |
| Total noninterest expense | $5,302,000 | 2,454 |
| Salaries and employee benefits | $2,871,000 | 2,350 |
| Premises and equipment expense | $1,064,000 | 1,850 |
| Additional noninterest expense | $1,367,000 | 3,009 |
| Pre-tax net operating income | $4,296,000 | 1,711 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $186,000 | 6,344 |
| Income before extraordinary items | $4,110,000 | 1,294 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,110,000 | 1,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,945 |
| Cash dividends | $2,495,000 | 1,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,110,000 | 1,245 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,680,000 | 2,083 |
| Total interest expense | $7,596,000 | 2,025 |
| Net interest income | $8,084,000 | 2,168 |
| Provision for loan and lease losses | $243,000 | 2,999 |
| Total noninterest income | $1,200,000 | 2,633 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $672,000 | 1,944 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $528,000 | 2,715 |
| Total noninterest expense | $4,917,000 | 2,607 |
| Salaries and employee benefits | $2,677,000 | 2,480 |
| Premises and equipment expense | $1,046,000 | 1,898 |
| Additional noninterest expense | $1,194,000 | 3,372 |
| Pre-tax net operating income | $4,124,000 | 1,837 |
| Securities gains (losses) | $-8,000 | 9,909 |
| Applicable income taxes | $594,000 | 3,707 |
| Income before extraordinary items | $3,522,000 | 1,527 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,522,000 | 1,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,260 |
| Cash dividends | $807,000 | 2,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,528,880 | 1,483 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,092,000 | 2,367 |
| Total interest expense | $6,562,000 | 2,352 |
| Net interest income | $7,530,000 | 2,391 |
| Provision for loan and lease losses | $303,000 | 2,539 |
| Total noninterest income | $1,139,000 | 2,805 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $663,000 | 2,035 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $476,000 | 3,030 |
| Total noninterest expense | $4,450,000 | 3,046 |
| Salaries and employee benefits | $2,482,000 | 2,718 |
| Premises and equipment expense | $936,000 | 2,131 |
| Additional noninterest expense | $1,032,000 | 4,291 |
| Pre-tax net operating income | $3,916,000 | 1,836 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,389,000 | 1,720 |
| Income before extraordinary items | $2,527,000 | 1,960 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,527,000 | 1,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,457 |
| Cash dividends | $715,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,527,000 | 1,919 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,772,000 | 2,620 |
| Total interest expense | $6,004,000 | 2,557 |
| Net interest income | $6,768,000 | 2,635 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $992,000 | 3,121 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $647,000 | 2,101 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $345,000 | 3,648 |
| Total noninterest expense | $4,399,000 | 3,051 |
| Salaries and employee benefits | $2,225,000 | 2,991 |
| Premises and equipment expense | $865,000 | 2,316 |
| Additional noninterest expense | $1,309,000 | 3,470 |
| Pre-tax net operating income | $3,181,000 | 2,317 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $1,137,000 | 2,122 |
| Income before extraordinary items | $2,052,000 | 2,449 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,052,000 | 2,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $565,000 | 3,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,046,880 | 2,433 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,787,000 | 2,821 |
| Total interest expense | $4,266,000 | 2,873 |
| Net interest income | $6,521,000 | 2,784 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $963,000 | 3,198 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $605,000 | 2,258 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $358,000 | 3,666 |
| Total noninterest expense | $4,316,000 | 3,192 |
| Salaries and employee benefits | $2,096,000 | 3,142 |
| Premises and equipment expense | $854,000 | 2,370 |
| Additional noninterest expense | $1,366,000 | 3,610 |
| Pre-tax net operating income | $2,988,000 | 2,386 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,014,000 | 2,217 |
| Income before extraordinary items | $1,974,000 | 2,463 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,974,000 | 2,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,773 |
| Cash dividends | $515,000 | 3,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,974,000 | 2,482 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,018,000 | 3,082 |
| Total interest expense | $4,074,000 | 3,123 |
| Net interest income | $5,944,000 | 3,054 |
| Provision for loan and lease losses | $183,000 | 4,103 |
| Total noninterest income | $793,000 | 4,015 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $529,000 | 2,636 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $264,000 | 4,836 |
| Total noninterest expense | $3,927,000 | 3,551 |
| Salaries and employee benefits | $1,865,000 | 3,498 |
| Premises and equipment expense | $738,000 | 2,741 |
| Additional noninterest expense | $1,324,000 | 3,877 |
| Pre-tax net operating income | $2,627,000 | 2,598 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $952,000 | 2,380 |
| Income before extraordinary items | $1,691,000 | 2,907 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,691,000 | 3,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 8,222 |
| Cash dividends | $350,000 | 3,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,680,760 | 2,766 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,032,000 | 3,477 |
| Total interest expense | $4,845,000 | 3,411 |
| Net interest income | $5,187,000 | 3,513 |
| Provision for loan and lease losses | $389,000 | 3,533 |
| Total noninterest income | $623,000 | 4,833 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $413,000 | 3,363 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $210,000 | 5,505 |
| Total noninterest expense | $3,598,000 | 3,843 |
| Salaries and employee benefits | $1,710,000 | 3,749 |
| Premises and equipment expense | $623,000 | 3,238 |
| Additional noninterest expense | $1,265,000 | 4,136 |
| Pre-tax net operating income | $1,823,000 | 3,384 |
| Securities gains (losses) | $89,000 | 3,202 |
| Applicable income taxes | $704,000 | 2,957 |
| Income before extraordinary items | $1,208,000 | 3,780 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,208,000 | 3,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 6,676 |
| Cash dividends | $460,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $550,000 | 538 |
| Net operating income | $1,151,040 | 3,665 |
* 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.