Home > The Heritage Bank > Income and Expense
The Heritage Bank, Income and Expense
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,100,000 | 2,912 |
| Total interest expense | $365,000 | 3,789 |
| Net interest income | $3,735,000 | 2,764 |
| Provision for loan and lease losses | $263,000 | 1,818 |
| Total noninterest income | $832,000 | 2,492 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $581,000 | 1,165 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $251,000 | 3,443 |
| Total noninterest expense | $5,517,000 | 1,749 |
| Salaries and employee benefits | $2,593,000 | 1,988 |
| Premises and equipment expense | $521,000 | 2,200 |
| Additional noninterest expense | $2,403,000 | 1,374 |
| Pre-tax net operating income | $-1,213,000 | 6,812 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $-363,000 | 6,854 |
| Income before extraordinary items | $-850,000 | 6,790 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-850,000 | 6,792 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-850,000 | 6,791 |
| Net charge-offs | $173,000 | 2,250 |
| Cash dividends | $150,000 | 2,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-850,000 | 6,774 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,061,000 | 2,913 |
| Total interest expense | $188,000 | 3,810 |
| Net interest income | $1,873,000 | 2,771 |
| Provision for loan and lease losses | $263,000 | 1,115 |
| Total noninterest income | $461,000 | 2,339 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $285,000 | 1,175 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $176,000 | 2,955 |
| Total noninterest expense | $2,396,000 | 1,998 |
| Salaries and employee benefits | $1,303,000 | 1,992 |
| Premises and equipment expense | $256,000 | 2,269 |
| Additional noninterest expense | $837,000 | 1,870 |
| Pre-tax net operating income | $-325,000 | 6,803 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-95,000 | 6,919 |
| Income before extraordinary items | $-230,000 | 6,774 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-230,000 | 6,774 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-230,000 | 6,774 |
| Net charge-offs | $174,000 | 1,473 |
| Cash dividends | $95,000 | 2,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-230,000 | 6,757 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,090,000 | 2,807 |
| Total interest expense | $1,066,000 | 3,478 |
| Net interest income | $8,024,000 | 2,657 |
| Provision for loan and lease losses | $478,000 | 2,786 |
| Total noninterest income | $1,832,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,239,000 | 1,149 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $593,000 | 3,118 |
| Total noninterest expense | $9,836,000 | 1,950 |
| Salaries and employee benefits | $5,735,000 | 1,765 |
| Premises and equipment expense | $1,027,000 | 2,234 |
| Additional noninterest expense | $3,074,000 | 2,108 |
| Pre-tax net operating income | $-458,000 | 6,485 |
| Securities gains (losses) | $1,427,000 | 366 |
| Applicable income taxes | $314,000 | 2,616 |
| Income before extraordinary items | $655,000 | 4,578 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $655,000 | 4,577 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $655,000 | 4,578 |
| Net charge-offs | $1,071,000 | 1,755 |
| Cash dividends | $895,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-315,360 | 6,447 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,924,000 | 2,827 |
| Total interest expense | $843,000 | 3,461 |
| Net interest income | $6,081,000 | 2,685 |
| Provision for loan and lease losses | $225,000 | 3,327 |
| Total noninterest income | $1,540,000 | 2,146 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $921,000 | 1,160 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $619,000 | 2,630 |
| Total noninterest expense | $7,152,000 | 1,999 |
| Salaries and employee benefits | $4,176,000 | 1,807 |
| Premises and equipment expense | $778,000 | 2,242 |
| Additional noninterest expense | $2,198,000 | 2,200 |
| Pre-tax net operating income | $244,000 | 5,519 |
| Securities gains (losses) | $524,000 | 730 |
| Applicable income taxes | $121,000 | 3,239 |
| Income before extraordinary items | $647,000 | 4,227 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $647,000 | 4,227 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $647,000 | 4,227 |
| Net charge-offs | $594,000 | 1,986 |
| Cash dividends | $895,000 | 1,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $206,840 | 5,516 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,692,000 | 2,813 |
| Total interest expense | $593,000 | 3,432 |
| Net interest income | $4,099,000 | 2,659 |
| Provision for loan and lease losses | $50,000 | 4,550 |
| Total noninterest income | $990,000 | 2,170 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $602,000 | 1,173 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $388,000 | 2,685 |
| Total noninterest expense | $4,453,000 | 2,164 |
| Salaries and employee benefits | $2,587,000 | 1,941 |
| Premises and equipment expense | $501,000 | 2,286 |
| Additional noninterest expense | $1,365,000 | 2,380 |
| Pre-tax net operating income | $586,000 | 3,839 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $101,000 | 3,041 |
| Income before extraordinary items | $485,000 | 4,037 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $485,000 | 4,040 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $485,000 | 4,041 |
| Net charge-offs | $343,000 | 2,175 |
| Cash dividends | $795,000 | 1,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $485,000 | 3,843 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,352,000 | 2,829 |
| Total interest expense | $314,000 | 3,411 |
| Net interest income | $2,038,000 | 2,679 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $528,000 | 2,073 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $297,000 | 1,189 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $231,000 | 2,444 |
| Total noninterest expense | $2,237,000 | 2,139 |
| Salaries and employee benefits | $1,303,000 | 1,933 |
| Premises and equipment expense | $241,000 | 2,379 |
| Additional noninterest expense | $693,000 | 2,311 |
| Pre-tax net operating income | $329,000 | 3,665 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $60,000 | 2,896 |
| Income before extraordinary items | $269,000 | 3,835 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $269,000 | 3,838 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $269,000 | 3,838 |
| Net charge-offs | $7,000 | 4,174 |
| Cash dividends | $150,000 | 1,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $269,000 | 3,674 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,512,000 | 2,649 |
| Total interest expense | $1,582,000 | 3,318 |
| Net interest income | $8,930,000 | 2,462 |
| Provision for loan and lease losses | $1,911,000 | 1,625 |
| Total noninterest income | $1,537,000 | 2,410 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,369,000 | 1,076 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $168,000 | 4,687 |
| Total noninterest expense | $9,428,000 | 2,027 |
| Salaries and employee benefits | $5,336,000 | 1,833 |
| Premises and equipment expense | $1,056,000 | 2,304 |
| Additional noninterest expense | $3,036,000 | 2,185 |
| Pre-tax net operating income | $-872,000 | 6,544 |
| Securities gains (losses) | $2,173,000 | 218 |
| Applicable income taxes | $407,000 | 2,237 |
| Income before extraordinary items | $894,000 | 3,764 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $894,000 | 3,767 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $894,000 | 3,767 |
| Net charge-offs | $1,471,000 | 1,904 |
| Cash dividends | $350,000 | 2,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-605,370 | 6,483 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,061,000 | 2,617 |
| Total interest expense | $1,221,000 | 3,362 |
| Net interest income | $6,840,000 | 2,406 |
| Provision for loan and lease losses | $955,000 | 2,016 |
| Total noninterest income | $1,290,000 | 2,231 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,044,000 | 1,069 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $246,000 | 3,770 |
| Total noninterest expense | $7,198,000 | 1,997 |
| Salaries and employee benefits | $4,014,000 | 1,824 |
| Premises and equipment expense | $762,000 | 2,402 |
| Additional noninterest expense | $2,422,000 | 2,058 |
| Pre-tax net operating income | $-23,000 | 6,176 |
| Securities gains (losses) | $931,000 | 380 |
| Applicable income taxes | $242,000 | 2,483 |
| Income before extraordinary items | $666,000 | 3,845 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $666,000 | 3,847 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $666,000 | 3,847 |
| Net charge-offs | $528,000 | 2,604 |
| Cash dividends | $350,000 | 2,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-13,630 | 6,175 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,438,000 | 2,610 |
| Total interest expense | $840,000 | 3,386 |
| Net interest income | $4,598,000 | 2,387 |
| Provision for loan and lease losses | $350,000 | 2,768 |
| Total noninterest income | $1,081,000 | 1,886 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $709,000 | 1,030 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $372,000 | 2,543 |
| Total noninterest expense | $4,782,000 | 2,022 |
| Salaries and employee benefits | $2,695,000 | 1,819 |
| Premises and equipment expense | $504,000 | 2,430 |
| Additional noninterest expense | $1,583,000 | 2,139 |
| Pre-tax net operating income | $547,000 | 3,637 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $173,000 | 2,374 |
| Income before extraordinary items | $374,000 | 4,104 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $374,000 | 4,104 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $374,000 | 4,106 |
| Net charge-offs | $215,000 | 3,039 |
| Cash dividends | $250,000 | 2,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $374,000 | 4,015 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 2,578 |
| Total interest expense | $433,000 | 3,409 |
| Net interest income | $2,340,000 | 2,337 |
| Provision for loan and lease losses | $75,000 | 3,668 |
| Total noninterest income | $659,000 | 1,639 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $364,000 | 983 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $295,000 | 1,938 |
| Total noninterest expense | $2,362,000 | 2,056 |
| Salaries and employee benefits | $1,342,000 | 1,851 |
| Premises and equipment expense | $254,000 | 2,461 |
| Additional noninterest expense | $766,000 | 2,192 |
| Pre-tax net operating income | $562,000 | 2,350 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $183,000 | 1,594 |
| Income before extraordinary items | $379,000 | 2,779 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $379,000 | 2,778 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $379,000 | 2,779 |
| Net charge-offs | $-35,000 | 7,308 |
| Cash dividends | $100,000 | 1,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $379,000 | 2,717 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,129,000 | 2,700 |
| Total interest expense | $2,138,000 | 3,394 |
| Net interest income | $8,991,000 | 2,439 |
| Provision for loan and lease losses | $946,000 | 3,151 |
| Total noninterest income | $2,455,000 | 1,786 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,643,000 | 923 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $812,000 | 2,476 |
| Total noninterest expense | $10,775,000 | 1,825 |
| Salaries and employee benefits | $5,266,000 | 1,843 |
| Premises and equipment expense | $1,053,000 | 2,376 |
| Additional noninterest expense | $4,456,000 | 1,612 |
| Pre-tax net operating income | $-275,000 | 6,086 |
| Securities gains (losses) | $1,134,000 | 441 |
| Applicable income taxes | $654,000 | 1,646 |
| Income before extraordinary items | $205,000 | 5,266 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $205,000 | 5,269 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $205,000 | 5,269 |
| Net charge-offs | $1,251,000 | 2,391 |
| Cash dividends | $380,000 | 2,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-520,760 | 6,333 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,452,000 | 2,716 |
| Total interest expense | $1,657,000 | 3,427 |
| Net interest income | $6,795,000 | 2,441 |
| Provision for loan and lease losses | $430,000 | 3,799 |
| Total noninterest income | $1,914,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,237,000 | 948 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $677,000 | 2,319 |
| Total noninterest expense | $7,357,000 | 1,972 |
| Salaries and employee benefits | $3,975,000 | 1,835 |
| Premises and equipment expense | $788,000 | 2,413 |
| Additional noninterest expense | $2,594,000 | 1,997 |
| Pre-tax net operating income | $922,000 | 3,236 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $292,000 | 2,177 |
| Income before extraordinary items | $630,000 | 3,695 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $630,000 | 3,694 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $630,000 | 3,695 |
| Net charge-offs | $527,000 | 3,006 |
| Cash dividends | $370,000 | 2,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $630,000 | 3,560 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,595,000 | 2,770 |
| Total interest expense | $1,118,000 | 3,493 |
| Net interest income | $4,477,000 | 2,478 |
| Provision for loan and lease losses | $330,000 | 3,472 |
| Total noninterest income | $1,288,000 | 1,682 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $819,000 | 971 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $469,000 | 2,180 |
| Total noninterest expense | $4,873,000 | 2,003 |
| Salaries and employee benefits | $2,624,000 | 1,871 |
| Premises and equipment expense | $534,000 | 2,401 |
| Additional noninterest expense | $1,715,000 | 2,010 |
| Pre-tax net operating income | $562,000 | 3,434 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $185,000 | 2,206 |
| Income before extraordinary items | $377,000 | 3,881 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $377,000 | 3,879 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $377,000 | 3,880 |
| Net charge-offs | $552,000 | 2,332 |
| Cash dividends | $285,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $377,000 | 3,772 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,805,000 | 2,813 |
| Total interest expense | $567,000 | 3,584 |
| Net interest income | $2,238,000 | 2,512 |
| Provision for loan and lease losses | $100,000 | 3,933 |
| Total noninterest income | $651,000 | 1,686 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $402,000 | 981 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $249,000 | 2,076 |
| Total noninterest expense | $2,409,000 | 2,041 |
| Salaries and employee benefits | $1,314,000 | 1,898 |
| Premises and equipment expense | $264,000 | 2,474 |
| Additional noninterest expense | $831,000 | 2,044 |
| Pre-tax net operating income | $380,000 | 2,921 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $131,000 | 1,861 |
| Income before extraordinary items | $249,000 | 3,498 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $249,000 | 3,495 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $249,000 | 3,497 |
| Net charge-offs | $257,000 | 2,197 |
| Cash dividends | $210,000 | 1,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $249,000 | 3,367 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,255,000 | 2,691 |
| Total interest expense | $2,825,000 | 3,574 |
| Net interest income | $9,430,000 | 2,312 |
| Provision for loan and lease losses | $3,311,000 | 1,853 |
| Total noninterest income | $1,905,000 | 2,190 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,847,000 | 945 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $58,000 | 6,221 |
| Total noninterest expense | $9,712,000 | 2,077 |
| Salaries and employee benefits | $5,193,000 | 1,898 |
| Premises and equipment expense | $1,095,000 | 2,386 |
| Additional noninterest expense | $3,424,000 | 2,093 |
| Pre-tax net operating income | $-1,688,000 | 6,527 |
| Securities gains (losses) | $162,000 | 1,730 |
| Applicable income taxes | $-544,000 | 7,067 |
| Income before extraordinary items | $-982,000 | 6,357 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-982,000 | 6,357 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-982,000 | 6,357 |
| Net charge-offs | $3,037,000 | 1,595 |
| Cash dividends | $225,000 | 3,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,085,680 | 6,398 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,289,000 | 2,701 |
| Total interest expense | $2,196,000 | 3,606 |
| Net interest income | $7,093,000 | 2,310 |
| Provision for loan and lease losses | $2,911,000 | 1,509 |
| Total noninterest income | $1,248,000 | 2,439 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,379,000 | 941 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-131,000 | 7,837 |
| Total noninterest expense | $7,364,000 | 2,048 |
| Salaries and employee benefits | $3,948,000 | 1,893 |
| Premises and equipment expense | $825,000 | 2,411 |
| Additional noninterest expense | $2,591,000 | 2,040 |
| Pre-tax net operating income | $-1,934,000 | 7,026 |
| Securities gains (losses) | $162,000 | 1,450 |
| Applicable income taxes | $-624,000 | 7,405 |
| Income before extraordinary items | $-1,148,000 | 6,821 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,148,000 | 6,822 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,148,000 | 6,823 |
| Net charge-offs | $2,202,000 | 1,420 |
| Cash dividends | $200,000 | 3,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,253,300 | 6,863 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,267,000 | 2,705 |
| Total interest expense | $1,517,000 | 3,639 |
| Net interest income | $4,750,000 | 2,307 |
| Provision for loan and lease losses | $275,000 | 3,863 |
| Total noninterest income | $1,200,000 | 1,910 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $901,000 | 944 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $299,000 | 3,009 |
| Total noninterest expense | $4,840,000 | 2,098 |
| Salaries and employee benefits | $2,624,000 | 1,931 |
| Premises and equipment expense | $536,000 | 2,493 |
| Additional noninterest expense | $1,680,000 | 2,112 |
| Pre-tax net operating income | $835,000 | 2,440 |
| Securities gains (losses) | $162,000 | 1,155 |
| Applicable income taxes | $336,000 | 1,421 |
| Income before extraordinary items | $661,000 | 2,599 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $661,000 | 2,596 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $661,000 | 2,598 |
| Net charge-offs | $335,000 | 2,804 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $554,080 | 2,804 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,151,000 | 2,725 |
| Total interest expense | $775,000 | 3,694 |
| Net interest income | $2,376,000 | 2,299 |
| Provision for loan and lease losses | $100,000 | 3,845 |
| Total noninterest income | $704,000 | 1,690 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $437,000 | 946 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $267,000 | 2,109 |
| Total noninterest expense | $2,350,000 | 2,107 |
| Salaries and employee benefits | $1,315,000 | 1,957 |
| Premises and equipment expense | $255,000 | 2,637 |
| Additional noninterest expense | $780,000 | 2,030 |
| Pre-tax net operating income | $630,000 | 1,972 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $225,000 | 1,327 |
| Income before extraordinary items | $405,000 | 2,543 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $405,000 | 2,543 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $405,000 | 2,545 |
| Net charge-offs | $135,000 | 2,522 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $405,000 | 2,403 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,948,000 | 2,473 |
| Total interest expense | $4,864,000 | 3,027 |
| Net interest income | $10,084,000 | 2,204 |
| Provision for loan and lease losses | $725,000 | 3,190 |
| Total noninterest income | $3,087,000 | 1,534 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,893,000 | 952 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,194,000 | 1,883 |
| Total noninterest expense | $9,957,000 | 1,940 |
| Salaries and employee benefits | $5,217,000 | 1,932 |
| Premises and equipment expense | $1,073,000 | 2,463 |
| Additional noninterest expense | $3,667,000 | 1,683 |
| Pre-tax net operating income | $2,489,000 | 2,093 |
| Securities gains (losses) | $759,000 | 268 |
| Applicable income taxes | $1,176,000 | 1,056 |
| Income before extraordinary items | $2,072,000 | 1,920 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,072,000 | 1,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 4,070 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,586,240 | 2,555 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,602,000 | 2,449 |
| Total interest expense | $3,903,000 | 2,968 |
| Net interest income | $7,699,000 | 2,180 |
| Provision for loan and lease losses | $625,000 | 2,414 |
| Total noninterest income | $2,438,000 | 1,528 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,420,000 | 941 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,018,000 | 1,793 |
| Total noninterest expense | $7,389,000 | 1,944 |
| Salaries and employee benefits | $3,893,000 | 1,979 |
| Premises and equipment expense | $775,000 | 2,564 |
| Additional noninterest expense | $2,721,000 | 1,645 |
| Pre-tax net operating income | $2,123,000 | 2,208 |
| Securities gains (losses) | $759,000 | 219 |
| Applicable income taxes | $1,020,000 | 1,135 |
| Income before extraordinary items | $1,862,000 | 1,900 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,862,000 | 1,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,587 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,368,650 | 2,622 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,874,000 | 2,452 |
| Total interest expense | $2,753,000 | 2,925 |
| Net interest income | $5,121,000 | 2,167 |
| Provision for loan and lease losses | $75,000 | 4,654 |
| Total noninterest income | $1,636,000 | 1,545 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $920,000 | 952 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $716,000 | 1,754 |
| Total noninterest expense | $4,834,000 | 1,982 |
| Salaries and employee benefits | $2,529,000 | 2,051 |
| Premises and equipment expense | $522,000 | 2,542 |
| Additional noninterest expense | $1,783,000 | 1,657 |
| Pre-tax net operating income | $1,848,000 | 1,804 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $652,000 | 1,299 |
| Income before extraordinary items | $1,196,000 | 2,201 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,196,000 | 2,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,683 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,196,000 | 2,154 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 2,464 |
| Total interest expense | $1,470,000 | 2,931 |
| Net interest income | $2,542,000 | 2,177 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $855,000 | 1,491 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $450,000 | 957 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $405,000 | 1,616 |
| Total noninterest expense | $2,397,000 | 2,002 |
| Salaries and employee benefits | $1,265,000 | 2,073 |
| Premises and equipment expense | $262,000 | 2,565 |
| Additional noninterest expense | $870,000 | 1,651 |
| Pre-tax net operating income | $1,000,000 | 1,787 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $348,000 | 1,325 |
| Income before extraordinary items | $652,000 | 2,151 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $652,000 | 2,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,454 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $652,000 | 2,085 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,647,000 | 2,452 |
| Total interest expense | $6,145,000 | 2,955 |
| Net interest income | $10,502,000 | 2,158 |
| Provision for loan and lease losses | $650,000 | 1,944 |
| Total noninterest income | $2,808,000 | 1,724 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,700,000 | 1,049 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,108,000 | 2,091 |
| Total noninterest expense | $9,568,000 | 1,937 |
| Salaries and employee benefits | $5,007,000 | 2,005 |
| Premises and equipment expense | $1,158,000 | 2,237 |
| Additional noninterest expense | $3,403,000 | 1,639 |
| Pre-tax net operating income | $3,092,000 | 2,402 |
| Securities gains (losses) | $70,000 | 702 |
| Applicable income taxes | $1,134,000 | 1,708 |
| Income before extraordinary items | $2,028,000 | 2,789 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,028,000 | 2,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,013,000 | 1,012 |
| Cash dividends | $500,000 | 3,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,983,200 | 2,821 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,652,000 | 2,438 |
| Total interest expense | $4,546,000 | 2,975 |
| Net interest income | $8,106,000 | 2,107 |
| Provision for loan and lease losses | $250,000 | 2,604 |
| Total noninterest income | $2,055,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,232,000 | 1,072 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $823,000 | 2,090 |
| Total noninterest expense | $7,099,000 | 1,933 |
| Salaries and employee benefits | $3,684,000 | 2,044 |
| Premises and equipment expense | $850,000 | 2,275 |
| Additional noninterest expense | $2,565,000 | 1,582 |
| Pre-tax net operating income | $2,812,000 | 2,227 |
| Securities gains (losses) | $70,000 | 569 |
| Applicable income taxes | $1,002,000 | 1,647 |
| Income before extraordinary items | $1,880,000 | 2,505 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,880,000 | 2,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,826 |
| Cash dividends | $500,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,834,500 | 2,533 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,305,000 | 2,482 |
| Total interest expense | $2,960,000 | 3,041 |
| Net interest income | $5,345,000 | 2,159 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,337,000 | 1,813 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $794,000 | 1,111 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $543,000 | 2,128 |
| Total noninterest expense | $4,737,000 | 1,950 |
| Salaries and employee benefits | $2,466,000 | 2,071 |
| Premises and equipment expense | $562,000 | 2,305 |
| Additional noninterest expense | $1,709,000 | 1,583 |
| Pre-tax net operating income | $1,945,000 | 2,216 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $682,000 | 1,693 |
| Income before extraordinary items | $1,263,000 | 2,530 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,263,000 | 2,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,846 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,263,000 | 2,515 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,067,000 | 2,523 |
| Total interest expense | $1,445,000 | 3,084 |
| Net interest income | $2,622,000 | 2,198 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $646,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $387,000 | 1,111 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $259,000 | 2,166 |
| Total noninterest expense | $2,346,000 | 1,970 |
| Salaries and employee benefits | $1,247,000 | 2,061 |
| Premises and equipment expense | $275,000 | 2,375 |
| Additional noninterest expense | $824,000 | 1,623 |
| Pre-tax net operating income | $922,000 | 2,304 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $320,000 | 1,779 |
| Income before extraordinary items | $602,000 | 2,620 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $602,000 | 2,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,041 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $602,000 | 2,601 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,638,000 | 2,464 |
| Total interest expense | $5,170,000 | 2,953 |
| Net interest income | $10,468,000 | 2,209 |
| Provision for loan and lease losses | $150,000 | 4,039 |
| Total noninterest income | $2,679,000 | 1,785 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,661,000 | 1,063 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,018,000 | 2,194 |
| Total noninterest expense | $9,274,000 | 1,913 |
| Salaries and employee benefits | $4,932,000 | 1,979 |
| Premises and equipment expense | $1,043,000 | 2,370 |
| Additional noninterest expense | $3,299,000 | 1,602 |
| Pre-tax net operating income | $3,723,000 | 2,369 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,319,000 | 1,850 |
| Income before extraordinary items | $2,404,000 | 2,696 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,404,000 | 2,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,537 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,404,000 | 2,685 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,552,000 | 2,483 |
| Total interest expense | $3,762,000 | 2,933 |
| Net interest income | $7,790,000 | 2,245 |
| Provision for loan and lease losses | $150,000 | 3,386 |
| Total noninterest income | $2,001,000 | 1,797 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,242,000 | 1,070 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $759,000 | 2,204 |
| Total noninterest expense | $6,811,000 | 1,938 |
| Salaries and employee benefits | $3,627,000 | 2,009 |
| Premises and equipment expense | $739,000 | 2,509 |
| Additional noninterest expense | $2,445,000 | 1,611 |
| Pre-tax net operating income | $2,830,000 | 2,431 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,013,000 | 1,867 |
| Income before extraordinary items | $1,817,000 | 2,777 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,817,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,896 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,817,000 | 2,764 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,543,000 | 2,495 |
| Total interest expense | $2,417,000 | 2,897 |
| Net interest income | $5,126,000 | 2,283 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $1,302,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $808,000 | 1,099 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $494,000 | 2,228 |
| Total noninterest expense | $4,436,000 | 1,989 |
| Salaries and employee benefits | $2,362,000 | 2,071 |
| Premises and equipment expense | $492,000 | 2,504 |
| Additional noninterest expense | $1,582,000 | 1,668 |
| Pre-tax net operating income | $1,842,000 | 2,473 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $659,000 | 1,926 |
| Income before extraordinary items | $1,183,000 | 2,825 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,183,000 | 2,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,183,000 | 2,812 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,681,000 | 2,502 |
| Total interest expense | $1,170,000 | 2,863 |
| Net interest income | $2,511,000 | 2,318 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $627,000 | 1,861 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $396,000 | 1,091 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $231,000 | 2,287 |
| Total noninterest expense | $2,188,000 | 2,018 |
| Salaries and employee benefits | $1,185,000 | 2,078 |
| Premises and equipment expense | $246,000 | 2,501 |
| Additional noninterest expense | $757,000 | 1,728 |
| Pre-tax net operating income | $875,000 | 2,520 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $314,000 | 1,961 |
| Income before extraordinary items | $561,000 | 2,887 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $561,000 | 2,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $561,000 | 2,871 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,905,000 | 2,556 |
| Total interest expense | $3,512,000 | 2,935 |
| Net interest income | $9,393,000 | 2,353 |
| Provision for loan and lease losses | $250,000 | 3,152 |
| Total noninterest income | $2,705,000 | 1,755 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,700,000 | 1,043 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,005,000 | 2,212 |
| Total noninterest expense | $9,072,000 | 1,869 |
| Salaries and employee benefits | $4,884,000 | 1,896 |
| Premises and equipment expense | $1,020,000 | 2,324 |
| Additional noninterest expense | $3,168,000 | 1,609 |
| Pre-tax net operating income | $2,776,000 | 2,945 |
| Securities gains (losses) | $-15,000 | 7,693 |
| Applicable income taxes | $992,000 | 2,272 |
| Income before extraordinary items | $1,769,000 | 3,405 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,769,000 | 3,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,327 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,778,600 | 3,356 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,365,000 | 2,574 |
| Total interest expense | $2,416,000 | 3,008 |
| Net interest income | $6,949,000 | 2,357 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $2,016,000 | 1,769 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,260,000 | 1,051 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $756,000 | 2,202 |
| Total noninterest expense | $6,714,000 | 1,867 |
| Salaries and employee benefits | $3,623,000 | 1,899 |
| Premises and equipment expense | $767,000 | 2,309 |
| Additional noninterest expense | $2,324,000 | 1,609 |
| Pre-tax net operating income | $2,026,000 | 3,023 |
| Securities gains (losses) | $-15,000 | 8,058 |
| Applicable income taxes | $690,000 | 2,413 |
| Income before extraordinary items | $1,321,000 | 3,453 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,321,000 | 3,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 1,918 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,330,900 | 3,384 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,061,000 | 2,579 |
| Total interest expense | $1,489,000 | 3,057 |
| Net interest income | $4,572,000 | 2,370 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $1,331,000 | 1,774 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $820,000 | 1,049 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $511,000 | 2,148 |
| Total noninterest expense | $4,413,000 | 1,879 |
| Salaries and employee benefits | $2,385,000 | 1,908 |
| Premises and equipment expense | $511,000 | 2,287 |
| Additional noninterest expense | $1,517,000 | 1,625 |
| Pre-tax net operating income | $1,340,000 | 3,000 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $465,000 | 2,367 |
| Income before extraordinary items | $875,000 | 3,425 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $875,000 | 3,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 1,627 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $875,000 | 3,375 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,963,000 | 2,597 |
| Total interest expense | $715,000 | 3,064 |
| Net interest income | $2,248,000 | 2,388 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $652,000 | 1,761 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $405,000 | 1,019 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $247,000 | 2,171 |
| Total noninterest expense | $2,196,000 | 1,883 |
| Salaries and employee benefits | $1,195,000 | 1,913 |
| Premises and equipment expense | $262,000 | 2,255 |
| Additional noninterest expense | $739,000 | 1,665 |
| Pre-tax net operating income | $629,000 | 3,119 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $205,000 | 2,551 |
| Income before extraordinary items | $424,000 | 3,479 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $424,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 1,389 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 8,875 |
| Net operating income | $424,000 | 3,442 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,462,000 | 2,506 |
| Total interest expense | $2,482,000 | 3,074 |
| Net interest income | $8,980,000 | 2,274 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $2,662,000 | 1,778 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,698,000 | 1,059 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $964,000 | 2,198 |
| Total noninterest expense | $9,000,000 | 1,797 |
| Salaries and employee benefits | $4,644,000 | 1,881 |
| Premises and equipment expense | $1,103,000 | 2,080 |
| Additional noninterest expense | $3,253,000 | 1,517 |
| Pre-tax net operating income | $2,642,000 | 2,858 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,067,000 | 2,049 |
| Income before extraordinary items | $1,575,000 | 3,511 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,575,000 | 3,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,696 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,575,000 | 3,438 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,492,000 | 2,495 |
| Total interest expense | $1,824,000 | 3,066 |
| Net interest income | $6,668,000 | 2,267 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,974,000 | 1,797 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,265,000 | 1,067 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $709,000 | 2,248 |
| Total noninterest expense | $6,658,000 | 1,816 |
| Salaries and employee benefits | $3,414,000 | 1,917 |
| Premises and equipment expense | $812,000 | 2,117 |
| Additional noninterest expense | $2,432,000 | 1,509 |
| Pre-tax net operating income | $1,984,000 | 2,901 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $600,000 | 2,575 |
| Income before extraordinary items | $1,384,000 | 3,176 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,384,000 | 3,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,546 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,384,000 | 3,096 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,584,000 | 2,509 |
| Total interest expense | $1,203,000 | 3,075 |
| Net interest income | $4,381,000 | 2,283 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,287,000 | 1,814 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $815,000 | 1,091 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $472,000 | 2,287 |
| Total noninterest expense | $4,348,000 | 1,838 |
| Salaries and employee benefits | $2,236,000 | 1,945 |
| Premises and equipment expense | $525,000 | 2,175 |
| Additional noninterest expense | $1,587,000 | 1,525 |
| Pre-tax net operating income | $1,320,000 | 2,873 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $400,000 | 2,557 |
| Income before extraordinary items | $920,000 | 3,145 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $920,000 | 3,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-63,000 | 8,795 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $920,000 | 3,058 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,778,000 | 2,516 |
| Total interest expense | $597,000 | 3,128 |
| Net interest income | $2,181,000 | 2,288 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $632,000 | 1,795 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $385,000 | 1,114 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $247,000 | 2,149 |
| Total noninterest expense | $2,065,000 | 1,943 |
| Salaries and employee benefits | $1,092,000 | 2,015 |
| Premises and equipment expense | $258,000 | 2,228 |
| Additional noninterest expense | $715,000 | 1,661 |
| Pre-tax net operating income | $748,000 | 2,569 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $230,000 | 2,331 |
| Income before extraordinary items | $518,000 | 2,854 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $518,000 | 2,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 8,896 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $518,000 | 2,760 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,118,000 | 2,563 |
| Total interest expense | $2,757,000 | 3,093 |
| Net interest income | $8,361,000 | 2,320 |
| Provision for loan and lease losses | $305,000 | 3,117 |
| Total noninterest income | $2,501,000 | 1,952 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,667,000 | 1,035 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $834,000 | 2,669 |
| Total noninterest expense | $8,366,000 | 1,895 |
| Salaries and employee benefits | $4,342,000 | 1,981 |
| Premises and equipment expense | $1,021,000 | 2,220 |
| Additional noninterest expense | $3,003,000 | 1,629 |
| Pre-tax net operating income | $2,191,000 | 3,179 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $815,000 | 2,504 |
| Income before extraordinary items | $1,376,000 | 3,780 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,376,000 | 3,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,376,000 | 3,621 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,308,000 | 2,608 |
| Total interest expense | $2,120,000 | 3,123 |
| Net interest income | $6,188,000 | 2,365 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $1,870,000 | 2,007 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,246,000 | 1,046 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $624,000 | 2,770 |
| Total noninterest expense | $6,115,000 | 1,953 |
| Salaries and employee benefits | $3,176,000 | 2,023 |
| Premises and equipment expense | $723,000 | 2,337 |
| Additional noninterest expense | $2,216,000 | 1,646 |
| Pre-tax net operating income | $1,808,000 | 3,068 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $437,000 | 3,275 |
| Income before extraordinary items | $1,371,000 | 3,176 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,371,000 | 3,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,184 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,371,000 | 3,020 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,554,000 | 2,626 |
| Total interest expense | $1,442,000 | 3,166 |
| Net interest income | $4,112,000 | 2,359 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $1,233,000 | 2,015 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $819,000 | 1,053 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $414,000 | 2,744 |
| Total noninterest expense | $3,975,000 | 1,986 |
| Salaries and employee benefits | $2,090,000 | 2,029 |
| Premises and equipment expense | $457,000 | 2,435 |
| Additional noninterest expense | $1,428,000 | 1,689 |
| Pre-tax net operating income | $1,280,000 | 2,937 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $325,000 | 3,086 |
| Income before extraordinary items | $955,000 | 3,070 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $955,000 | 3,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,501 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $955,000 | 2,913 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,796,000 | 2,631 |
| Total interest expense | $722,000 | 3,228 |
| Net interest income | $2,074,000 | 2,348 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $612,000 | 1,971 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $410,000 | 1,013 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $202,000 | 2,703 |
| Total noninterest expense | $1,977,000 | 1,981 |
| Salaries and employee benefits | $1,041,000 | 2,033 |
| Premises and equipment expense | $221,000 | 2,528 |
| Additional noninterest expense | $715,000 | 1,644 |
| Pre-tax net operating income | $664,000 | 2,853 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $170,000 | 2,983 |
| Income before extraordinary items | $494,000 | 2,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $494,000 | 2,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,694 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $494,000 | 2,834 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,998,000 | 2,562 |
| Total interest expense | $3,797,000 | 2,877 |
| Net interest income | $8,201,000 | 2,348 |
| Provision for loan and lease losses | $150,000 | 4,907 |
| Total noninterest income | $2,532,000 | 1,780 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,721,000 | 931 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $811,000 | 2,484 |
| Total noninterest expense | $8,243,000 | 1,838 |
| Salaries and employee benefits | $4,186,000 | 1,925 |
| Premises and equipment expense | $967,000 | 2,261 |
| Additional noninterest expense | $3,090,000 | 1,534 |
| Pre-tax net operating income | $2,340,000 | 3,041 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $832,000 | 2,521 |
| Income before extraordinary items | $1,508,000 | 3,487 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,508,000 | 3,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 2,025 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,508,000 | 3,384 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,971,000 | 2,632 |
| Total interest expense | $5,959,000 | 2,685 |
| Net interest income | $7,012,000 | 2,552 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $2,101,000 | 1,936 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,408,000 | 1,058 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $693,000 | 2,591 |
| Total noninterest expense | $7,202,000 | 1,993 |
| Salaries and employee benefits | $3,250,000 | 2,307 |
| Premises and equipment expense | $927,000 | 2,305 |
| Additional noninterest expense | $3,025,000 | 1,535 |
| Pre-tax net operating income | $1,671,000 | 3,599 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $565,000 | 3,081 |
| Income before extraordinary items | $1,110,000 | 4,008 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,110,000 | 4,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,735 |
| Cash dividends | $23,000 | 6,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,107,360 | 3,892 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,182,000 | 3,086 |
| Total interest expense | $4,767,000 | 3,459 |
| Net interest income | $6,415,000 | 2,770 |
| Provision for loan and lease losses | $5,000 | 8,144 |
| Total noninterest income | $1,496,000 | 2,346 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $923,000 | 1,484 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $573,000 | 2,701 |
| Total noninterest expense | $5,891,000 | 2,315 |
| Salaries and employee benefits | $3,112,000 | 2,293 |
| Premises and equipment expense | $764,000 | 2,682 |
| Additional noninterest expense | $2,015,000 | 2,142 |
| Pre-tax net operating income | $2,015,000 | 3,308 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $630,000 | 3,010 |
| Income before extraordinary items | $1,388,000 | 3,460 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,388,000 | 3,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,269 |
| Cash dividends | $158,000 | 5,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,385,930 | 3,447 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,446,000 | 3,719 |
| Total interest expense | $3,214,000 | 4,340 |
| Net interest income | $5,232,000 | 3,320 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,286,000 | 2,566 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $827,000 | 1,598 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $459,000 | 3,120 |
| Total noninterest expense | $5,026,000 | 2,684 |
| Salaries and employee benefits | $2,686,000 | 2,627 |
| Premises and equipment expense | $730,000 | 2,768 |
| Additional noninterest expense | $1,610,000 | 2,680 |
| Pre-tax net operating income | $1,492,000 | 4,109 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $438,000 | 3,924 |
| Income before extraordinary items | $1,054,000 | 4,261 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,054,000 | 4,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 9,826 |
| Cash dividends | $47,000 | 6,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,054,000 | 4,221 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,617,000 | 3,675 |
| Total interest expense | $3,393,000 | 4,263 |
| Net interest income | $5,224,000 | 3,258 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $1,286,000 | 2,541 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $854,000 | 1,473 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $432,000 | 3,264 |
| Total noninterest expense | $4,700,000 | 2,762 |
| Salaries and employee benefits | $2,537,000 | 2,664 |
| Premises and equipment expense | $657,000 | 2,936 |
| Additional noninterest expense | $1,506,000 | 2,762 |
| Pre-tax net operating income | $1,610,000 | 3,971 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $566,000 | 3,553 |
| Income before extraordinary items | $1,045,000 | 4,346 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,045,000 | 4,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $438,000 | 1,404 |
| Cash dividends | $47,000 | 6,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,044,350 | 4,259 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,495,000 | 3,759 |
| Total interest expense | $3,312,000 | 4,317 |
| Net interest income | $5,183,000 | 3,373 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,166,000 | 2,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $822,000 | 1,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $344,000 | 3,623 |
| Total noninterest expense | $4,453,000 | 2,857 |
| Salaries and employee benefits | $2,394,000 | 2,767 |
| Premises and equipment expense | $699,000 | 2,738 |
| Additional noninterest expense | $1,360,000 | 2,982 |
| Pre-tax net operating income | $1,896,000 | 3,711 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $587,000 | 3,752 |
| Income before extraordinary items | $1,309,000 | 3,773 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,309,000 | 3,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,915 |
| Cash dividends | $46,000 | 7,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,309,000 | 3,705 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,906,000 | 4,086 |
| Total interest expense | $3,196,000 | 4,518 |
| Net interest income | $4,710,000 | 3,744 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,019,000 | 3,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $745,000 | 1,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $274,000 | 4,293 |
| Total noninterest expense | $4,167,000 | 3,222 |
| Salaries and employee benefits | $2,271,000 | 2,941 |
| Premises and equipment expense | $627,000 | 3,071 |
| Additional noninterest expense | $1,269,000 | 3,609 |
| Pre-tax net operating income | $1,562,000 | 4,195 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $475,000 | 4,313 |
| Income before extraordinary items | $1,088,000 | 4,190 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,088,000 | 4,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $47,000 | 7,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,087,300 | 4,132 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,394,000 | 4,337 |
| Total interest expense | $3,057,000 | 4,676 |
| Net interest income | $4,337,000 | 4,037 |
| Provision for loan and lease losses | $126,000 | 3,989 |
| Total noninterest income | $826,000 | 3,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $598,000 | 2,275 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $228,000 | 4,745 |
| Total noninterest expense | $4,002,000 | 3,320 |
| Salaries and employee benefits | $2,153,000 | 3,090 |
| Premises and equipment expense | $568,000 | 3,364 |
| Additional noninterest expense | $1,281,000 | 3,546 |
| Pre-tax net operating income | $1,035,000 | 5,849 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $194,000 | 7,520 |
| Income before extraordinary items | $841,000 | 5,253 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $841,000 | 5,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 11,045 |
| Cash dividends | $77,000 | 7,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $841,000 | 5,238 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,271,000 | 4,672 |
| Total interest expense | $2,293,000 | 4,990 |
| Net interest income | $3,978,000 | 4,408 |
| Provision for loan and lease losses | $216,000 | 2,887 |
| Total noninterest income | $819,000 | 3,650 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $611,000 | 2,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,136 |
| Total noninterest expense | $3,879,000 | 3,523 |
| Salaries and employee benefits | $2,191,000 | 3,020 |
| Premises and equipment expense | $429,000 | 4,328 |
| Additional noninterest expense | $1,259,000 | 3,885 |
| Pre-tax net operating income | $702,000 | 7,371 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $150,000 | 8,297 |
| Income before extraordinary items | $552,000 | 6,888 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $552,000 | 6,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,218 |
| Cash dividends | $47,000 | 8,055 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $552,000 | 6,947 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,067,000 | 4,901 |
| Total interest expense | $2,215,000 | 5,350 |
| Net interest income | $3,852,000 | 4,555 |
| Provision for loan and lease losses | $728,000 | 1,616 |
| Total noninterest income | $926,000 | 3,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $590,000 | 2,334 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $336,000 | 4,203 |
| Total noninterest expense | $4,034,000 | 3,467 |
| Salaries and employee benefits | $2,128,000 | 3,082 |
| Premises and equipment expense | $411,000 | 4,607 |
| Additional noninterest expense | $1,495,000 | 3,516 |
| Pre-tax net operating income | $16,000 | 12,322 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $35,000 | 11,268 |
| Income before extraordinary items | $-19,000 | 12,573 |
| Extraordinary gains, net | $361,000 | 605 |
| Net income | $342,000 | 9,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $516,000 | 1,729 |
| Cash dividends | $46,000 | 8,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-19,000 | 12,451 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,468,000 | 4,572 |
| Total interest expense | $3,136,000 | 4,965 |
| Net interest income | $4,332,000 | 4,151 |
| Provision for loan and lease losses | $781,000 | 2,180 |
| Total noninterest income | $957,000 | 3,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $602,000 | 2,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $355,000 | 4,003 |
| Total noninterest expense | $3,776,000 | 3,687 |
| Salaries and employee benefits | $1,883,000 | 3,388 |
| Premises and equipment expense | $432,000 | 4,510 |
| Additional noninterest expense | $1,461,000 | 3,681 |
| Pre-tax net operating income | $732,000 | 6,929 |
| Securities gains (losses) | $30,000 | 4,989 |
| Applicable income taxes | $163,000 | 8,321 |
| Income before extraordinary items | $599,000 | 6,590 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $599,000 | 6,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $535,000 | 2,358 |
| Cash dividends | $46,000 | 7,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $575,300 | 6,396 |
* 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.