Home > The Heights Bank > Income and Expense
The Heights Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,214,000 | 6,575 |
| Total interest expense | $602,000 | 6,252 |
| Net interest income | $1,612,000 | 6,624 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $156,000 | 6,248 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $104,000 | 5,431 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $52,000 | 6,081 |
| Total noninterest expense | $925,000 | 7,150 |
| Salaries and employee benefits | $515,000 | 7,096 |
| Premises and equipment expense | $170,000 | 6,469 |
| Additional noninterest expense | $240,000 | 7,294 |
| Pre-tax net operating income | $843,000 | 3,663 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $9,000 | 4,240 |
| Income before extraordinary items | $834,000 | 3,536 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $834,000 | 3,533 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $834,000 | 3,536 |
| Net charge-offs | $-1,000 | 7,276 |
| Cash dividends | $750,000 | 1,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $834,000 | 3,420 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,658,000 | 6,684 |
| Total interest expense | $488,000 | 6,247 |
| Net interest income | $1,170,000 | 6,756 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $114,000 | 6,387 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $78,000 | 5,513 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $36,000 | 6,283 |
| Total noninterest expense | $695,000 | 7,226 |
| Salaries and employee benefits | $389,000 | 7,157 |
| Premises and equipment expense | $131,000 | 6,509 |
| Additional noninterest expense | $175,000 | 7,389 |
| Pre-tax net operating income | $589,000 | 3,979 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $9,000 | 4,274 |
| Income before extraordinary items | $580,000 | 3,840 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $580,000 | 3,840 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $580,000 | 3,841 |
| Net charge-offs | $-1,000 | 7,212 |
| Cash dividends | $400,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $580,000 | 3,694 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,099,000 | 6,744 |
| Total interest expense | $343,000 | 6,244 |
| Net interest income | $756,000 | 6,838 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $72,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $51,000 | 5,564 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $21,000 | 6,429 |
| Total noninterest expense | $476,000 | 7,260 |
| Salaries and employee benefits | $263,000 | 7,201 |
| Premises and equipment expense | $99,000 | 6,324 |
| Additional noninterest expense | $114,000 | 7,468 |
| Pre-tax net operating income | $352,000 | 4,169 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $9,000 | 4,121 |
| Income before extraordinary items | $343,000 | 4,057 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $343,000 | 4,055 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $343,000 | 4,056 |
| Net charge-offs | $-1,000 | 7,109 |
| Cash dividends | $300,000 | 1,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $343,000 | 3,929 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $549,000 | 6,828 |
| Total interest expense | $182,000 | 6,257 |
| Net interest income | $367,000 | 6,939 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $35,000 | 6,568 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $24,000 | 5,677 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $11,000 | 6,524 |
| Total noninterest expense | $235,000 | 7,364 |
| Salaries and employee benefits | $132,000 | 7,287 |
| Premises and equipment expense | $47,000 | 6,501 |
| Additional noninterest expense | $56,000 | 7,580 |
| Pre-tax net operating income | $167,000 | 4,375 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $9,000 | 3,859 |
| Income before extraordinary items | $158,000 | 4,296 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $158,000 | 4,297 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $158,000 | 4,295 |
| Net charge-offs | $-1,000 | 6,806 |
| Cash dividends | $100,000 | 1,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $158,000 | 4,194 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,393,000 | 6,764 |
| Total interest expense | $813,000 | 6,437 |
| Net interest income | $1,580,000 | 6,803 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $191,000 | 6,291 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $111,000 | 5,614 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $80,000 | 5,919 |
| Total noninterest expense | $1,084,000 | 7,287 |
| Salaries and employee benefits | $545,000 | 7,328 |
| Premises and equipment expense | $219,000 | 6,331 |
| Additional noninterest expense | $320,000 | 7,362 |
| Pre-tax net operating income | $687,000 | 3,581 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $8,000 | 3,939 |
| Income before extraordinary items | $679,000 | 3,408 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $679,000 | 3,407 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $679,000 | 3,407 |
| Net charge-offs | $5,000 | 7,029 |
| Cash dividends | $525,000 | 2,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $679,000 | 3,347 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,810,000 | 6,835 |
| Total interest expense | $626,000 | 6,526 |
| Net interest income | $1,184,000 | 6,843 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $141,000 | 6,423 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $82,000 | 5,667 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $59,000 | 6,062 |
| Total noninterest expense | $734,000 | 7,448 |
| Salaries and employee benefits | $410,000 | 7,376 |
| Premises and equipment expense | $169,000 | 6,320 |
| Additional noninterest expense | $155,000 | 7,786 |
| Pre-tax net operating income | $591,000 | 3,623 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $8,000 | 4,112 |
| Income before extraordinary items | $583,000 | 3,434 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $583,000 | 3,432 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $583,000 | 3,434 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $525,000 | 1,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $583,000 | 3,341 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,205,000 | 6,906 |
| Total interest expense | $436,000 | 6,559 |
| Net interest income | $769,000 | 6,929 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $94,000 | 6,466 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $51,000 | 5,772 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $43,000 | 6,017 |
| Total noninterest expense | $482,000 | 7,533 |
| Salaries and employee benefits | $275,000 | 7,446 |
| Premises and equipment expense | $104,000 | 6,507 |
| Additional noninterest expense | $103,000 | 7,856 |
| Pre-tax net operating income | $381,000 | 3,769 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $7,000 | 4,133 |
| Income before extraordinary items | $374,000 | 3,594 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $374,000 | 3,592 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $374,000 | 3,593 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $375,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $374,000 | 3,479 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $606,000 | 6,942 |
| Total interest expense | $238,000 | 6,492 |
| Net interest income | $368,000 | 7,025 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $52,000 | 6,327 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $26,000 | 5,712 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $26,000 | 5,845 |
| Total noninterest expense | $253,000 | 7,502 |
| Salaries and employee benefits | $142,000 | 7,450 |
| Premises and equipment expense | $56,000 | 6,420 |
| Additional noninterest expense | $55,000 | 7,776 |
| Pre-tax net operating income | $167,000 | 4,332 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $7,000 | 4,167 |
| Income before extraordinary items | $160,000 | 4,232 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $160,000 | 4,235 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $160,000 | 4,235 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $75,000 | 2,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $160,000 | 4,075 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,722,000 | 6,805 |
| Total interest expense | $1,364,000 | 6,176 |
| Net interest income | $1,358,000 | 7,177 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $163,000 | 6,772 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $124,000 | 5,613 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $39,000 | 6,986 |
| Total noninterest expense | $967,000 | 7,585 |
| Salaries and employee benefits | $554,000 | 7,531 |
| Premises and equipment expense | $200,000 | 6,676 |
| Additional noninterest expense | $213,000 | 7,830 |
| Pre-tax net operating income | $554,000 | 4,714 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $8,000 | 4,579 |
| Income before extraordinary items | $546,000 | 4,309 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $546,000 | 4,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $616,000 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $546,000 | 4,469 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 6,841 |
| Total interest expense | $1,078,000 | 6,173 |
| Net interest income | $1,011,000 | 7,247 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $112,000 | 6,996 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $87,000 | 5,730 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $25,000 | 7,272 |
| Total noninterest expense | $737,000 | 7,601 |
| Salaries and employee benefits | $422,000 | 7,541 |
| Premises and equipment expense | $153,000 | 6,674 |
| Additional noninterest expense | $162,000 | 7,844 |
| Pre-tax net operating income | $386,000 | 5,319 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $8,000 | 4,921 |
| Income before extraordinary items | $378,000 | 4,871 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $378,000 | 4,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $366,000 | 3,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $378,000 | 5,037 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,420,000 | 6,865 |
| Total interest expense | $766,000 | 6,184 |
| Net interest income | $654,000 | 7,327 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $73,000 | 7,088 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $59,000 | 5,727 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $14,000 | 7,482 |
| Total noninterest expense | $499,000 | 7,622 |
| Salaries and employee benefits | $286,000 | 7,580 |
| Premises and equipment expense | $105,000 | 6,661 |
| Additional noninterest expense | $108,000 | 7,894 |
| Pre-tax net operating income | $228,000 | 5,639 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $8,000 | 5,072 |
| Income before extraordinary items | $220,000 | 5,467 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $220,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $220,000 | 5,408 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $724,000 | 6,905 |
| Total interest expense | $391,000 | 6,292 |
| Net interest income | $333,000 | 7,335 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $41,000 | 6,929 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $30,000 | 5,688 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $11,000 | 7,150 |
| Total noninterest expense | $255,000 | 7,618 |
| Salaries and employee benefits | $145,000 | 7,598 |
| Premises and equipment expense | $51,000 | 6,733 |
| Additional noninterest expense | $59,000 | 7,828 |
| Pre-tax net operating income | $119,000 | 5,782 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $119,000 | 5,582 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $119,000 | 5,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $100,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $119,000 | 5,480 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,783,000 | 7,004 |
| Total interest expense | $1,302,000 | 6,715 |
| Net interest income | $1,481,000 | 7,131 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $186,000 | 6,842 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $120,000 | 5,764 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $66,000 | 6,774 |
| Total noninterest expense | $1,007,000 | 7,645 |
| Salaries and employee benefits | $590,000 | 7,571 |
| Premises and equipment expense | $191,000 | 6,831 |
| Additional noninterest expense | $226,000 | 7,903 |
| Pre-tax net operating income | $660,000 | 5,542 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $9,000 | 5,664 |
| Income before extraordinary items | $651,000 | 5,200 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $651,000 | 5,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,952 |
| Cash dividends | $625,000 | 3,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $651,000 | 5,181 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,067,000 | 7,056 |
| Total interest expense | $944,000 | 6,803 |
| Net interest income | $1,123,000 | 7,166 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $132,000 | 6,957 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $88,000 | 5,825 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $44,000 | 6,951 |
| Total noninterest expense | $769,000 | 7,596 |
| Salaries and employee benefits | $456,000 | 7,495 |
| Premises and equipment expense | $143,000 | 6,819 |
| Additional noninterest expense | $170,000 | 7,876 |
| Pre-tax net operating income | $486,000 | 5,831 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $9,000 | 5,755 |
| Income before extraordinary items | $477,000 | 5,473 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $477,000 | 5,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,022 |
| Cash dividends | $400,000 | 3,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $477,000 | 5,459 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,364,000 | 7,102 |
| Total interest expense | $620,000 | 6,847 |
| Net interest income | $744,000 | 7,237 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $92,000 | 6,951 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $58,000 | 5,870 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $34,000 | 6,824 |
| Total noninterest expense | $509,000 | 7,654 |
| Salaries and employee benefits | $309,000 | 7,517 |
| Premises and equipment expense | $95,000 | 6,857 |
| Additional noninterest expense | $105,000 | 8,006 |
| Pre-tax net operating income | $327,000 | 5,885 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $318,000 | 5,539 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $318,000 | 5,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,518 |
| Cash dividends | $300,000 | 3,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $318,000 | 5,522 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $678,000 | 7,142 |
| Total interest expense | $310,000 | 6,848 |
| Net interest income | $368,000 | 7,298 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $44,000 | 7,005 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $29,000 | 5,849 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $15,000 | 6,985 |
| Total noninterest expense | $259,000 | 7,677 |
| Salaries and employee benefits | $157,000 | 7,531 |
| Premises and equipment expense | $52,000 | 6,733 |
| Additional noninterest expense | $50,000 | 8,087 |
| Pre-tax net operating income | $153,000 | 6,023 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $9,000 | 5,389 |
| Income before extraordinary items | $144,000 | 5,727 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $144,000 | 5,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $144,000 | 5,712 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,649,000 | 7,033 |
| Total interest expense | $1,091,000 | 6,766 |
| Net interest income | $1,558,000 | 7,108 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $171,000 | 7,148 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $143,000 | 5,607 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $28,000 | 7,751 |
| Total noninterest expense | $1,011,000 | 7,688 |
| Salaries and employee benefits | $613,000 | 7,560 |
| Premises and equipment expense | $196,000 | 6,774 |
| Additional noninterest expense | $202,000 | 8,109 |
| Pre-tax net operating income | $718,000 | 5,878 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $11,000 | 6,128 |
| Income before extraordinary items | $707,000 | 5,490 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $707,000 | 5,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $725,000 | 3,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $707,000 | 5,481 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,966,000 | 7,100 |
| Total interest expense | $775,000 | 6,849 |
| Net interest income | $1,191,000 | 7,162 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $125,000 | 7,232 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $110,000 | 5,632 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,025 |
| Total noninterest expense | $762,000 | 7,690 |
| Salaries and employee benefits | $464,000 | 7,530 |
| Premises and equipment expense | $145,000 | 6,821 |
| Additional noninterest expense | $153,000 | 8,112 |
| Pre-tax net operating income | $554,000 | 6,029 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $11,000 | 6,190 |
| Income before extraordinary items | $543,000 | 5,584 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $543,000 | 5,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $500,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $543,000 | 5,584 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,284,000 | 7,144 |
| Total interest expense | $473,000 | 6,966 |
| Net interest income | $811,000 | 7,166 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $73,000 | 7,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $71,000 | 5,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,000 | 8,535 |
| Total noninterest expense | $510,000 | 7,713 |
| Salaries and employee benefits | $311,000 | 7,562 |
| Premises and equipment expense | $98,000 | 6,810 |
| Additional noninterest expense | $101,000 | 8,145 |
| Pre-tax net operating income | $374,000 | 6,027 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $11,000 | 6,097 |
| Income before extraordinary items | $363,000 | 5,603 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $363,000 | 5,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $363,000 | 5,604 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $625,000 | 7,183 |
| Total interest expense | $218,000 | 7,061 |
| Net interest income | $407,000 | 7,175 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $31,000 | 7,631 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $33,000 | 5,757 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-2,000 | 8,745 |
| Total noninterest expense | $255,000 | 7,727 |
| Salaries and employee benefits | $152,000 | 7,606 |
| Premises and equipment expense | $50,000 | 6,755 |
| Additional noninterest expense | $53,000 | 8,099 |
| Pre-tax net operating income | $183,000 | 6,016 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $11,000 | 5,709 |
| Income before extraordinary items | $172,000 | 5,658 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $172,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $172,000 | 5,650 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,448,000 | 7,058 |
| Total interest expense | $733,000 | 6,947 |
| Net interest income | $1,715,000 | 7,015 |
| Provision for loan and lease losses | $180,000 | 3,751 |
| Total noninterest income | $218,000 | 6,929 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $151,000 | 5,610 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $67,000 | 7,015 |
| Total noninterest expense | $973,000 | 7,800 |
| Salaries and employee benefits | $554,000 | 7,760 |
| Premises and equipment expense | $199,000 | 6,740 |
| Additional noninterest expense | $220,000 | 8,106 |
| Pre-tax net operating income | $780,000 | 5,933 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $12,000 | 6,486 |
| Income before extraordinary items | $768,000 | 5,437 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $768,000 | 5,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,103 |
| Cash dividends | $775,000 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $768,000 | 5,412 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,817,000 | 7,088 |
| Total interest expense | $512,000 | 7,036 |
| Net interest income | $1,305,000 | 7,015 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $158,000 | 7,009 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 5,682 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 7,114 |
| Total noninterest expense | $725,000 | 7,787 |
| Salaries and employee benefits | $412,000 | 7,732 |
| Premises and equipment expense | $151,000 | 6,698 |
| Additional noninterest expense | $162,000 | 8,129 |
| Pre-tax net operating income | $603,000 | 5,997 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $12,000 | 6,473 |
| Income before extraordinary items | $591,000 | 5,476 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $591,000 | 5,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,080 |
| Cash dividends | $600,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $591,000 | 5,449 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,194,000 | 7,090 |
| Total interest expense | $311,000 | 7,119 |
| Net interest income | $883,000 | 6,979 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $98,000 | 7,094 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $72,000 | 5,681 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $26,000 | 7,352 |
| Total noninterest expense | $477,000 | 7,824 |
| Salaries and employee benefits | $281,000 | 7,712 |
| Premises and equipment expense | $93,000 | 6,847 |
| Additional noninterest expense | $103,000 | 8,172 |
| Pre-tax net operating income | $414,000 | 5,897 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $12,000 | 6,334 |
| Income before extraordinary items | $402,000 | 5,426 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $402,000 | 5,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,161 |
| Cash dividends | $450,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $402,000 | 5,398 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $581,000 | 7,173 |
| Total interest expense | $141,000 | 7,278 |
| Net interest income | $440,000 | 7,040 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $46,000 | 7,202 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $33,000 | 5,810 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,447 |
| Total noninterest expense | $234,000 | 7,919 |
| Salaries and employee benefits | $138,000 | 7,801 |
| Premises and equipment expense | $48,000 | 6,855 |
| Additional noninterest expense | $48,000 | 8,312 |
| Pre-tax net operating income | $207,000 | 5,891 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $12,000 | 5,990 |
| Income before extraordinary items | $195,000 | 5,486 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $195,000 | 5,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,216 |
| Cash dividends | $125,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $195,000 | 5,448 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,251,000 | 7,130 |
| Total interest expense | $524,000 | 7,217 |
| Net interest income | $1,727,000 | 7,010 |
| Provision for loan and lease losses | $165,000 | 4,077 |
| Total noninterest income | $198,000 | 7,165 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $155,000 | 5,712 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $43,000 | 7,588 |
| Total noninterest expense | $931,000 | 7,937 |
| Salaries and employee benefits | $550,000 | 7,840 |
| Premises and equipment expense | $162,000 | 7,206 |
| Additional noninterest expense | $219,000 | 8,194 |
| Pre-tax net operating income | $829,000 | 5,706 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $14,000 | 6,668 |
| Income before extraordinary items | $815,000 | 5,222 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $815,000 | 5,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,429 |
| Cash dividends | $850,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $815,000 | 5,156 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,673,000 | 7,174 |
| Total interest expense | $394,000 | 7,233 |
| Net interest income | $1,279,000 | 7,053 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $140,000 | 7,309 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $116,000 | 5,767 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $24,000 | 7,924 |
| Total noninterest expense | $674,000 | 7,969 |
| Salaries and employee benefits | $397,000 | 7,865 |
| Premises and equipment expense | $113,000 | 7,292 |
| Additional noninterest expense | $164,000 | 8,195 |
| Pre-tax net operating income | $625,000 | 5,788 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $14,000 | 6,683 |
| Income before extraordinary items | $611,000 | 5,311 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $611,000 | 5,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,285 |
| Cash dividends | $675,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $611,000 | 5,229 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 7,227 |
| Total interest expense | $268,000 | 7,229 |
| Net interest income | $839,000 | 7,124 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $95,000 | 7,328 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $80,000 | 5,723 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $15,000 | 8,015 |
| Total noninterest expense | $460,000 | 7,986 |
| Salaries and employee benefits | $267,000 | 7,908 |
| Premises and equipment expense | $80,000 | 7,223 |
| Additional noninterest expense | $113,000 | 8,181 |
| Pre-tax net operating income | $384,000 | 5,953 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $14,000 | 6,499 |
| Income before extraordinary items | $370,000 | 5,525 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $370,000 | 5,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $370,000 | 5,426 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $569,000 | 7,211 |
| Total interest expense | $130,000 | 7,363 |
| Net interest income | $439,000 | 7,046 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $44,000 | 7,434 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $36,000 | 5,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $221,000 | 8,092 |
| Salaries and employee benefits | $128,000 | 8,003 |
| Premises and equipment expense | $38,000 | 7,364 |
| Additional noninterest expense | $55,000 | 8,277 |
| Pre-tax net operating income | $217,000 | 5,630 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $14,000 | 6,056 |
| Income before extraordinary items | $203,000 | 5,305 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $203,000 | 5,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $125,000 | 2,644 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $203,000 | 5,186 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,433,000 | 7,112 |
| Total interest expense | $668,000 | 7,153 |
| Net interest income | $1,765,000 | 6,958 |
| Provision for loan and lease losses | $204,000 | 3,990 |
| Total noninterest income | $170,000 | 7,611 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $134,000 | 6,090 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $36,000 | 7,939 |
| Total noninterest expense | $828,000 | 8,225 |
| Salaries and employee benefits | $490,000 | 8,112 |
| Premises and equipment expense | $130,000 | 7,667 |
| Additional noninterest expense | $208,000 | 8,393 |
| Pre-tax net operating income | $903,000 | 5,412 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $9,000 | 7,067 |
| Income before extraordinary items | $894,000 | 4,955 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $894,000 | 4,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,350 |
| Cash dividends | $700,000 | 2,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $894,000 | 4,787 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 7,177 |
| Total interest expense | $507,000 | 7,286 |
| Net interest income | $1,331,000 | 6,989 |
| Provision for loan and lease losses | $58,000 | 5,579 |
| Total noninterest income | $118,000 | 7,793 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $96,000 | 6,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,000 | 8,174 |
| Total noninterest expense | $600,000 | 8,283 |
| Salaries and employee benefits | $365,000 | 8,120 |
| Premises and equipment expense | $94,000 | 7,751 |
| Additional noninterest expense | $141,000 | 8,532 |
| Pre-tax net operating income | $791,000 | 5,165 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $9,000 | 7,107 |
| Income before extraordinary items | $782,000 | 4,661 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $782,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,323 |
| Cash dividends | $500,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $782,000 | 4,484 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,229,000 | 7,226 |
| Total interest expense | $352,000 | 7,309 |
| Net interest income | $877,000 | 7,031 |
| Provision for loan and lease losses | $39,000 | 5,514 |
| Total noninterest income | $76,000 | 7,845 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $58,000 | 6,356 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $18,000 | 7,952 |
| Total noninterest expense | $393,000 | 8,326 |
| Salaries and employee benefits | $241,000 | 8,154 |
| Premises and equipment expense | $61,000 | 7,800 |
| Additional noninterest expense | $91,000 | 8,578 |
| Pre-tax net operating income | $521,000 | 5,218 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $9,000 | 7,001 |
| Income before extraordinary items | $512,000 | 4,736 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $512,000 | 4,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,788 |
| Cash dividends | $375,000 | 2,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $512,000 | 4,529 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $616,000 | 7,244 |
| Total interest expense | $180,000 | 7,362 |
| Net interest income | $436,000 | 7,046 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $41,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 6,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $188,000 | 8,428 |
| Salaries and employee benefits | $118,000 | 8,241 |
| Premises and equipment expense | $28,000 | 7,948 |
| Additional noninterest expense | $42,000 | 8,723 |
| Pre-tax net operating income | $269,000 | 5,079 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $9,000 | 6,623 |
| Income before extraordinary items | $260,000 | 4,619 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $260,000 | 4,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $125,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $260,000 | 4,406 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 7,234 |
| Total interest expense | $912,000 | 7,171 |
| Net interest income | $1,708,000 | 7,106 |
| Provision for loan and lease losses | $78,000 | 6,121 |
| Total noninterest income | $144,000 | 7,905 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $119,000 | 6,270 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $25,000 | 8,373 |
| Total noninterest expense | $845,000 | 8,258 |
| Salaries and employee benefits | $479,000 | 8,221 |
| Premises and equipment expense | $136,000 | 7,636 |
| Additional noninterest expense | $230,000 | 8,327 |
| Pre-tax net operating income | $929,000 | 5,388 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $7,000 | 7,388 |
| Income before extraordinary items | $922,000 | 4,817 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $922,000 | 4,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,176 |
| Cash dividends | $670,000 | 2,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $922,000 | 4,687 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,840,000 | 7,417 |
| Total interest expense | $1,578,000 | 6,827 |
| Net interest income | $1,262,000 | 7,755 |
| Provision for loan and lease losses | $78,000 | 6,034 |
| Total noninterest income | $162,000 | 7,717 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $128,000 | 6,115 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $34,000 | 8,222 |
| Total noninterest expense | $721,000 | 8,631 |
| Salaries and employee benefits | $415,000 | 8,558 |
| Premises and equipment expense | $127,000 | 7,892 |
| Additional noninterest expense | $179,000 | 8,829 |
| Pre-tax net operating income | $625,000 | 6,081 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $8,000 | 7,657 |
| Income before extraordinary items | $626,000 | 5,501 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $626,000 | 5,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,919 |
| Cash dividends | $450,000 | 3,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $617,090 | 5,416 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,809,000 | 7,599 |
| Total interest expense | $1,584,000 | 6,998 |
| Net interest income | $1,225,000 | 8,018 |
| Provision for loan and lease losses | $78,000 | 5,810 |
| Total noninterest income | $171,000 | 7,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 5,982 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,303 |
| Total noninterest expense | $720,000 | 8,770 |
| Salaries and employee benefits | $432,000 | 8,589 |
| Premises and equipment expense | $120,000 | 8,101 |
| Additional noninterest expense | $168,000 | 9,087 |
| Pre-tax net operating income | $598,000 | 6,598 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $8,000 | 8,119 |
| Income before extraordinary items | $590,000 | 5,896 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $590,000 | 5,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,101 |
| Cash dividends | $409,000 | 3,896 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $590,000 | 5,912 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,567,000 | 7,837 |
| Total interest expense | $1,327,000 | 7,348 |
| Net interest income | $1,240,000 | 8,113 |
| Provision for loan and lease losses | $78,000 | 5,718 |
| Total noninterest income | $187,000 | 7,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 6,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $672,000 | 9,106 |
| Salaries and employee benefits | $391,000 | 8,936 |
| Premises and equipment expense | $124,000 | 8,153 |
| Additional noninterest expense | $157,000 | 9,451 |
| Pre-tax net operating income | $677,000 | 6,399 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $677,000 | 5,560 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $677,000 | 5,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,247 |
| Cash dividends | $366,000 | 4,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $677,000 | 5,524 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,581,000 | 8,003 |
| Total interest expense | $1,416,000 | 7,384 |
| Net interest income | $1,165,000 | 8,410 |
| Provision for loan and lease losses | $128,000 | 4,501 |
| Total noninterest income | $182,000 | 7,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 7,707 |
| Total noninterest expense | $671,000 | 9,187 |
| Salaries and employee benefits | $391,000 | 9,026 |
| Premises and equipment expense | $111,000 | 8,461 |
| Additional noninterest expense | $169,000 | 9,475 |
| Pre-tax net operating income | $548,000 | 7,160 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $548,000 | 6,335 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $548,000 | 6,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $416,000 | 3,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $548,000 | 6,223 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,450,000 | 8,448 |
| Total interest expense | $1,336,000 | 7,760 |
| Net interest income | $1,114,000 | 8,903 |
| Provision for loan and lease losses | $103,000 | 5,098 |
| Total noninterest income | $181,000 | 8,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 7,914 |
| Total noninterest expense | $685,000 | 9,435 |
| Salaries and employee benefits | $366,000 | 9,485 |
| Premises and equipment expense | $123,000 | 8,418 |
| Additional noninterest expense | $196,000 | 9,455 |
| Pre-tax net operating income | $507,000 | 7,879 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $46,000 | 9,317 |
| Income before extraordinary items | $463,000 | 7,213 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $463,000 | 7,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,217 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $461,180 | 7,169 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,264,000 | 9,013 |
| Total interest expense | $1,271,000 | 8,185 |
| Net interest income | $993,000 | 9,575 |
| Provision for loan and lease losses | $54,000 | 6,461 |
| Total noninterest income | $240,000 | 7,715 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 7,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,403 |
| Total noninterest expense | $619,000 | 10,099 |
| Salaries and employee benefits | $330,000 | 10,109 |
| Premises and equipment expense | $102,000 | 9,234 |
| Additional noninterest expense | $187,000 | 10,089 |
| Pre-tax net operating income | $560,000 | 7,630 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $189,000 | 7,300 |
| Income before extraordinary items | $371,000 | 7,854 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $371,000 | 7,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,972 |
| Cash dividends | $34,000 | 7,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $371,000 | 7,791 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,841,000 | 9,986 |
| Total interest expense | $877,000 | 9,708 |
| Net interest income | $964,000 | 10,037 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $187,000 | 8,635 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,479 |
| Total noninterest expense | $632,000 | 10,444 |
| Salaries and employee benefits | $337,000 | 10,423 |
| Premises and equipment expense | $96,000 | 9,727 |
| Additional noninterest expense | $199,000 | 10,425 |
| Pre-tax net operating income | $489,000 | 8,495 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $202,000 | 7,373 |
| Income before extraordinary items | $287,000 | 9,067 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $287,000 | 9,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,954 |
| Cash dividends | $34,000 | 8,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $287,000 | 9,035 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,472,000 | 10,792 |
| Total interest expense | $588,000 | 10,654 |
| Net interest income | $884,000 | 10,770 |
| Provision for loan and lease losses | $64,000 | 5,501 |
| Total noninterest income | $172,000 | 9,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 7,844 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,009 |
| Total noninterest expense | $605,000 | 11,100 |
| Salaries and employee benefits | $303,000 | 11,175 |
| Premises and equipment expense | $94,000 | 10,216 |
| Additional noninterest expense | $208,000 | 11,044 |
| Pre-tax net operating income | $387,000 | 9,460 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $130,000 | 8,710 |
| Income before extraordinary items | $257,000 | 9,615 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $257,000 | 9,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $34,000 | 8,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $257,000 | 9,678 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,480,000 | 11,287 |
| Total interest expense | $604,000 | 11,118 |
| Net interest income | $876,000 | 11,253 |
| Provision for loan and lease losses | $38,000 | 8,041 |
| Total noninterest income | $173,000 | 9,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 9,868 |
| Total noninterest expense | $588,000 | 11,709 |
| Salaries and employee benefits | $294,000 | 11,717 |
| Premises and equipment expense | $97,000 | 10,539 |
| Additional noninterest expense | $197,000 | 11,772 |
| Pre-tax net operating income | $423,000 | 9,233 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $164,000 | 8,333 |
| Income before extraordinary items | $259,000 | 9,939 |
| Extraordinary gains, net | $52,000 | 2,136 |
| Net income | $311,000 | 9,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $101,000 | 6,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $259,000 | 9,680 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,374,000 | 12,242 |
| Total interest expense | $655,000 | 12,047 |
| Net interest income | $719,000 | 12,239 |
| Provision for loan and lease losses | $17,000 | 10,772 |
| Total noninterest income | $152,000 | 10,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 10,461 |
| Total noninterest expense | $571,000 | 12,247 |
| Salaries and employee benefits | $291,000 | 12,113 |
| Premises and equipment expense | $103,000 | 10,619 |
| Additional noninterest expense | $177,000 | 12,569 |
| Pre-tax net operating income | $283,000 | 10,301 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $93,000 | 10,093 |
| Income before extraordinary items | $190,000 | 10,736 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $190,000 | 10,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 10,059 |
| Cash dividends | $67,000 | 7,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $190,000 | 10,404 |
* 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.