Home > The Merchants Bank and Trust Company > Income and Expense
The Merchants Bank and Trust Company, Income and Expense
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $7,076,000 | 2,549 |
| Total interest expense | $514,000 | 3,394 |
| Net interest income | $6,562,000 | 2,437 |
| Provision for loan and lease losses | $228,000 | 1,918 |
| Total noninterest income | $1,298,000 | 2,321 |
| Gross Fiduciary activities income | $215,000 | 709 |
| Service charges on deposit accounts | $402,000 | 2,186 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $681,000 | 2,480 |
| Total noninterest expense | $5,423,000 | 2,543 |
| Salaries and employee benefits | $3,040,000 | 2,464 |
| Premises and equipment expense | $612,000 | 2,658 |
| Additional noninterest expense | $1,771,000 | 2,532 |
| Pre-tax net operating income | $2,209,000 | 2,351 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $683,000 | 1,676 |
| Income before extraordinary items | $1,526,000 | 2,700 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,526,000 | 2,700 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,526,000 | 2,700 |
| Net charge-offs | $387,000 | 1,377 |
| Cash dividends | $500,000 | 2,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,526,000 | 2,650 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,710,000 | 2,551 |
| Total interest expense | $345,000 | 3,423 |
| Net interest income | $4,365,000 | 2,431 |
| Provision for loan and lease losses | $127,000 | 2,075 |
| Total noninterest income | $859,000 | 2,310 |
| Gross Fiduciary activities income | $140,000 | 718 |
| Service charges on deposit accounts | $262,000 | 2,193 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $457,000 | 2,433 |
| Total noninterest expense | $3,706,000 | 2,487 |
| Salaries and employee benefits | $2,089,000 | 2,403 |
| Premises and equipment expense | $414,000 | 2,639 |
| Additional noninterest expense | $1,203,000 | 2,482 |
| Pre-tax net operating income | $1,391,000 | 2,390 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $425,000 | 1,709 |
| Income before extraordinary items | $966,000 | 2,710 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $966,000 | 2,714 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $966,000 | 2,714 |
| Net charge-offs | $129,000 | 1,968 |
| Cash dividends | $500,000 | 1,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $966,000 | 2,670 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,323,000 | 2,575 |
| Total interest expense | $170,000 | 3,504 |
| Net interest income | $2,153,000 | 2,457 |
| Provision for loan and lease losses | $26,000 | 2,789 |
| Total noninterest income | $398,000 | 2,377 |
| Gross Fiduciary activities income | $67,000 | 728 |
| Service charges on deposit accounts | $123,000 | 2,270 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $208,000 | 2,499 |
| Total noninterest expense | $1,834,000 | 2,529 |
| Salaries and employee benefits | $1,038,000 | 2,420 |
| Premises and equipment expense | $215,000 | 2,610 |
| Additional noninterest expense | $581,000 | 2,558 |
| Pre-tax net operating income | $691,000 | 2,340 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $213,000 | 1,658 |
| Income before extraordinary items | $478,000 | 2,656 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $478,000 | 2,659 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $478,000 | 2,659 |
| Net charge-offs | $25,000 | 2,339 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $478,000 | 2,612 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $8,967,000 | 2,673 |
| Total interest expense | $722,000 | 3,679 |
| Net interest income | $8,245,000 | 2,531 |
| Provision for loan and lease losses | $503,000 | 1,824 |
| Total noninterest income | $2,046,000 | 2,137 |
| Gross Fiduciary activities income | $231,000 | 754 |
| Service charges on deposit accounts | $524,000 | 2,294 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,291,000 | 2,036 |
| Total noninterest expense | $7,279,000 | 2,540 |
| Salaries and employee benefits | $4,126,000 | 2,407 |
| Premises and equipment expense | $778,000 | 2,755 |
| Additional noninterest expense | $2,375,000 | 2,575 |
| Pre-tax net operating income | $2,509,000 | 2,465 |
| Securities gains (losses) | $51,000 | 1,783 |
| Applicable income taxes | $764,000 | 1,723 |
| Income before extraordinary items | $1,796,000 | 2,811 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,796,000 | 2,813 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,796,000 | 2,814 |
| Net charge-offs | $1,053,000 | 1,223 |
| Cash dividends | $200,000 | 3,572 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,760,300 | 2,790 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,678,000 | 2,712 |
| Total interest expense | $547,000 | 3,741 |
| Net interest income | $6,131,000 | 2,566 |
| Provision for loan and lease losses | $481,000 | 1,562 |
| Total noninterest income | $1,602,000 | 2,117 |
| Gross Fiduciary activities income | $186,000 | 730 |
| Service charges on deposit accounts | $384,000 | 2,346 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,032,000 | 2,007 |
| Total noninterest expense | $5,421,000 | 2,563 |
| Salaries and employee benefits | $3,086,000 | 2,428 |
| Premises and equipment expense | $612,000 | 2,690 |
| Additional noninterest expense | $1,723,000 | 2,666 |
| Pre-tax net operating income | $1,831,000 | 2,594 |
| Securities gains (losses) | $18,000 | 2,258 |
| Applicable income taxes | $546,000 | 1,829 |
| Income before extraordinary items | $1,303,000 | 2,916 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,303,000 | 2,920 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,303,000 | 2,920 |
| Net charge-offs | $945,000 | 1,044 |
| Cash dividends | $200,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,290,400 | 2,857 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,491,000 | 2,690 |
| Total interest expense | $371,000 | 3,754 |
| Net interest income | $4,120,000 | 2,539 |
| Provision for loan and lease losses | $429,000 | 1,310 |
| Total noninterest income | $1,083,000 | 2,117 |
| Gross Fiduciary activities income | $129,000 | 732 |
| Service charges on deposit accounts | $238,000 | 2,457 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $716,000 | 1,982 |
| Total noninterest expense | $3,633,000 | 2,559 |
| Salaries and employee benefits | $2,029,000 | 2,470 |
| Premises and equipment expense | $392,000 | 2,786 |
| Additional noninterest expense | $1,212,000 | 2,514 |
| Pre-tax net operating income | $1,141,000 | 2,669 |
| Securities gains (losses) | $18,000 | 2,064 |
| Applicable income taxes | $338,000 | 1,904 |
| Income before extraordinary items | $821,000 | 3,018 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $821,000 | 3,020 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $821,000 | 3,021 |
| Net charge-offs | $887,000 | 838 |
| Cash dividends | $200,000 | 2,545 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $808,220 | 2,956 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,284,000 | 2,675 |
| Total interest expense | $194,000 | 3,737 |
| Net interest income | $2,090,000 | 2,513 |
| Provision for loan and lease losses | $278,000 | 1,078 |
| Total noninterest income | $550,000 | 2,072 |
| Gross Fiduciary activities income | $65,000 | 734 |
| Service charges on deposit accounts | $126,000 | 2,338 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $359,000 | 1,979 |
| Total noninterest expense | $1,782,000 | 2,628 |
| Salaries and employee benefits | $1,014,000 | 2,490 |
| Premises and equipment expense | $185,000 | 2,905 |
| Additional noninterest expense | $583,000 | 2,613 |
| Pre-tax net operating income | $580,000 | 2,610 |
| Securities gains (losses) | $18,000 | 1,302 |
| Applicable income taxes | $176,000 | 1,827 |
| Income before extraordinary items | $422,000 | 2,934 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $422,000 | 2,934 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $422,000 | 2,936 |
| Net charge-offs | $268,000 | 1,147 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $409,220 | 2,905 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,289,000 | 2,747 |
| Total interest expense | $1,102,000 | 3,381 |
| Net interest income | $8,187,000 | 2,620 |
| Provision for loan and lease losses | $1,347,000 | 1,437 |
| Total noninterest income | $1,932,000 | 2,243 |
| Gross Fiduciary activities income | $210,000 | 783 |
| Service charges on deposit accounts | $588,000 | 2,191 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,134,000 | 2,218 |
| Total noninterest expense | $6,937,000 | 2,673 |
| Salaries and employee benefits | $3,690,000 | 2,648 |
| Premises and equipment expense | $740,000 | 2,901 |
| Additional noninterest expense | $2,507,000 | 2,556 |
| Pre-tax net operating income | $1,835,000 | 2,983 |
| Securities gains (losses) | $338,000 | 1,255 |
| Applicable income taxes | $617,000 | 1,972 |
| Income before extraordinary items | $1,556,000 | 3,054 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,556,000 | 3,053 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,556,000 | 3,054 |
| Net charge-offs | $1,264,000 | 1,575 |
| Cash dividends | $100,000 | 3,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,312,640 | 3,240 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,927,000 | 2,826 |
| Total interest expense | $844,000 | 3,456 |
| Net interest income | $6,083,000 | 2,683 |
| Provision for loan and lease losses | $925,000 | 1,523 |
| Total noninterest income | $1,372,000 | 2,314 |
| Gross Fiduciary activities income | $154,000 | 777 |
| Service charges on deposit accounts | $441,000 | 2,212 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $777,000 | 2,309 |
| Total noninterest expense | $5,119,000 | 2,725 |
| Salaries and employee benefits | $2,712,000 | 2,715 |
| Premises and equipment expense | $545,000 | 2,975 |
| Additional noninterest expense | $1,862,000 | 2,588 |
| Pre-tax net operating income | $1,411,000 | 3,011 |
| Securities gains (losses) | $338,000 | 1,009 |
| Applicable income taxes | $526,000 | 1,885 |
| Income before extraordinary items | $1,223,000 | 3,031 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,223,000 | 3,031 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,223,000 | 3,030 |
| Net charge-offs | $542,000 | 2,085 |
| Cash dividends | $100,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $986,400 | 3,304 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,595,000 | 2,864 |
| Total interest expense | $575,000 | 3,497 |
| Net interest income | $4,020,000 | 2,711 |
| Provision for loan and lease losses | $522,000 | 1,759 |
| Total noninterest income | $878,000 | 2,352 |
| Gross Fiduciary activities income | $103,000 | 782 |
| Service charges on deposit accounts | $289,000 | 2,227 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $486,000 | 2,373 |
| Total noninterest expense | $3,385,000 | 2,758 |
| Salaries and employee benefits | $1,796,000 | 2,737 |
| Premises and equipment expense | $362,000 | 2,987 |
| Additional noninterest expense | $1,227,000 | 2,630 |
| Pre-tax net operating income | $991,000 | 2,863 |
| Securities gains (losses) | $90,000 | 1,672 |
| Applicable income taxes | $322,000 | 1,975 |
| Income before extraordinary items | $759,000 | 3,159 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $759,000 | 3,157 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $759,000 | 3,159 |
| Net charge-offs | $537,000 | 1,688 |
| Cash dividends | $100,000 | 2,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $696,000 | 3,158 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,302,000 | 2,886 |
| Total interest expense | $300,000 | 3,516 |
| Net interest income | $2,002,000 | 2,730 |
| Provision for loan and lease losses | $152,000 | 2,291 |
| Total noninterest income | $435,000 | 2,361 |
| Gross Fiduciary activities income | $52,000 | 786 |
| Service charges on deposit accounts | $144,000 | 2,209 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $239,000 | 2,401 |
| Total noninterest expense | $1,716,000 | 2,722 |
| Salaries and employee benefits | $897,000 | 2,751 |
| Premises and equipment expense | $183,000 | 2,991 |
| Additional noninterest expense | $636,000 | 2,507 |
| Pre-tax net operating income | $569,000 | 2,623 |
| Securities gains (losses) | $76,000 | 1,031 |
| Applicable income taxes | $202,000 | 1,713 |
| Income before extraordinary items | $443,000 | 2,865 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $443,000 | 2,868 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $443,000 | 2,869 |
| Net charge-offs | $163,000 | 2,015 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $390,560 | 2,970 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,690,000 | 2,828 |
| Total interest expense | $1,492,000 | 3,464 |
| Net interest income | $8,198,000 | 2,670 |
| Provision for loan and lease losses | $885,000 | 2,603 |
| Total noninterest income | $1,635,000 | 2,317 |
| Gross Fiduciary activities income | $219,000 | 723 |
| Service charges on deposit accounts | $721,000 | 1,935 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $695,000 | 2,646 |
| Total noninterest expense | $6,864,000 | 2,714 |
| Salaries and employee benefits | $3,404,000 | 2,808 |
| Premises and equipment expense | $756,000 | 3,036 |
| Additional noninterest expense | $2,704,000 | 2,436 |
| Pre-tax net operating income | $2,084,000 | 2,425 |
| Securities gains (losses) | $32,000 | 2,864 |
| Applicable income taxes | $686,000 | 1,697 |
| Income before extraordinary items | $1,430,000 | 2,869 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,430,000 | 2,871 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,430,000 | 2,871 |
| Net charge-offs | $813,000 | 2,612 |
| Cash dividends | $250,000 | 3,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,408,240 | 2,805 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,389,000 | 2,822 |
| Total interest expense | $1,167,000 | 3,476 |
| Net interest income | $6,222,000 | 2,639 |
| Provision for loan and lease losses | $502,000 | 2,876 |
| Total noninterest income | $1,232,000 | 2,287 |
| Gross Fiduciary activities income | $171,000 | 702 |
| Service charges on deposit accounts | $558,000 | 1,891 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $503,000 | 2,697 |
| Total noninterest expense | $5,242,000 | 2,679 |
| Salaries and employee benefits | $2,663,000 | 2,709 |
| Premises and equipment expense | $562,000 | 3,074 |
| Additional noninterest expense | $2,017,000 | 2,441 |
| Pre-tax net operating income | $1,710,000 | 2,349 |
| Securities gains (losses) | $32,000 | 2,604 |
| Applicable income taxes | $579,000 | 1,606 |
| Income before extraordinary items | $1,163,000 | 2,777 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,163,000 | 2,779 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,163,000 | 2,779 |
| Net charge-offs | $490,000 | 2,686 |
| Cash dividends | $250,000 | 2,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,141,560 | 2,714 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,006,000 | 2,798 |
| Total interest expense | $807,000 | 3,489 |
| Net interest income | $4,199,000 | 2,629 |
| Provision for loan and lease losses | $351,000 | 2,766 |
| Total noninterest income | $764,000 | 2,390 |
| Gross Fiduciary activities income | $117,000 | 708 |
| Service charges on deposit accounts | $369,000 | 1,883 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $278,000 | 2,990 |
| Total noninterest expense | $3,544,000 | 2,668 |
| Salaries and employee benefits | $1,780,000 | 2,717 |
| Premises and equipment expense | $370,000 | 3,127 |
| Additional noninterest expense | $1,394,000 | 2,408 |
| Pre-tax net operating income | $1,068,000 | 2,431 |
| Securities gains (losses) | $-25,000 | 7,156 |
| Applicable income taxes | $350,000 | 1,638 |
| Income before extraordinary items | $693,000 | 2,938 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $693,000 | 2,940 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $693,000 | 2,940 |
| Net charge-offs | $148,000 | 3,431 |
| Cash dividends | $250,000 | 2,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $709,500 | 2,816 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,528,000 | 2,797 |
| Total interest expense | $433,000 | 3,409 |
| Net interest income | $2,095,000 | 2,621 |
| Provision for loan and lease losses | $237,000 | 2,220 |
| Total noninterest income | $381,000 | 2,431 |
| Gross Fiduciary activities income | $51,000 | 753 |
| Service charges on deposit accounts | $186,000 | 1,853 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $144,000 | 2,972 |
| Total noninterest expense | $1,754,000 | 2,698 |
| Salaries and employee benefits | $895,000 | 2,712 |
| Premises and equipment expense | $190,000 | 3,117 |
| Additional noninterest expense | $669,000 | 2,480 |
| Pre-tax net operating income | $485,000 | 2,614 |
| Securities gains (losses) | $-16,000 | 7,222 |
| Applicable income taxes | $160,000 | 1,731 |
| Income before extraordinary items | $309,000 | 3,174 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $309,000 | 3,170 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $309,000 | 3,174 |
| Net charge-offs | $299,000 | 1,756 |
| Cash dividends | $250,000 | 1,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $319,560 | 3,038 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,099,000 | 2,706 |
| Total interest expense | $2,572,000 | 2,928 |
| Net interest income | $8,527,000 | 2,571 |
| Provision for loan and lease losses | $568,000 | 3,954 |
| Total noninterest income | $1,285,000 | 2,786 |
| Gross Fiduciary activities income | $186,000 | 778 |
| Service charges on deposit accounts | $834,000 | 1,758 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $265,000 | 4,160 |
| Total noninterest expense | $7,381,000 | 2,617 |
| Salaries and employee benefits | $3,569,000 | 2,675 |
| Premises and equipment expense | $764,000 | 3,086 |
| Additional noninterest expense | $3,048,000 | 2,267 |
| Pre-tax net operating income | $1,863,000 | 2,375 |
| Securities gains (losses) | $37,000 | 2,833 |
| Applicable income taxes | $637,000 | 1,666 |
| Income before extraordinary items | $1,263,000 | 2,816 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,263,000 | 2,813 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,263,000 | 2,817 |
| Net charge-offs | $1,207,000 | 2,435 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,238,580 | 2,744 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,435,000 | 2,720 |
| Total interest expense | $2,062,000 | 2,892 |
| Net interest income | $6,373,000 | 2,606 |
| Provision for loan and lease losses | $365,000 | 4,043 |
| Total noninterest income | $964,000 | 2,800 |
| Gross Fiduciary activities income | $149,000 | 753 |
| Service charges on deposit accounts | $617,000 | 1,836 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $198,000 | 4,198 |
| Total noninterest expense | $5,529,000 | 2,617 |
| Salaries and employee benefits | $2,740,000 | 2,631 |
| Premises and equipment expense | $516,000 | 3,398 |
| Additional noninterest expense | $2,273,000 | 2,249 |
| Pre-tax net operating income | $1,443,000 | 2,445 |
| Securities gains (losses) | $38,000 | 2,592 |
| Applicable income taxes | $517,000 | 1,639 |
| Income before extraordinary items | $964,000 | 2,952 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $964,000 | 2,948 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $964,000 | 2,951 |
| Net charge-offs | $1,075,000 | 2,110 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $939,300 | 2,876 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,696,000 | 2,711 |
| Total interest expense | $1,446,000 | 2,872 |
| Net interest income | $4,250,000 | 2,607 |
| Provision for loan and lease losses | $194,000 | 4,279 |
| Total noninterest income | $343,000 | 3,967 |
| Gross Fiduciary activities income | $81,000 | 797 |
| Service charges on deposit accounts | $390,000 | 1,938 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-128,000 | 7,553 |
| Total noninterest expense | $3,662,000 | 2,629 |
| Salaries and employee benefits | $1,834,000 | 2,635 |
| Premises and equipment expense | $342,000 | 3,447 |
| Additional noninterest expense | $1,486,000 | 2,278 |
| Pre-tax net operating income | $737,000 | 2,938 |
| Securities gains (losses) | $34,000 | 2,118 |
| Applicable income taxes | $267,000 | 1,849 |
| Income before extraordinary items | $504,000 | 3,399 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $504,000 | 3,396 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $504,000 | 3,398 |
| Net charge-offs | $1,016,000 | 1,706 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $481,900 | 3,365 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,847,000 | 2,773 |
| Total interest expense | $757,000 | 2,884 |
| Net interest income | $2,090,000 | 2,663 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $289,000 | 2,945 |
| Gross Fiduciary activities income | $39,000 | 816 |
| Service charges on deposit accounts | $177,000 | 2,075 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $73,000 | 4,060 |
| Total noninterest expense | $1,784,000 | 2,727 |
| Salaries and employee benefits | $923,000 | 2,655 |
| Premises and equipment expense | $174,000 | 3,469 |
| Additional noninterest expense | $687,000 | 2,421 |
| Pre-tax net operating income | $595,000 | 2,112 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $210,000 | 1,378 |
| Income before extraordinary items | $385,000 | 2,616 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $385,000 | 2,613 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $385,000 | 2,616 |
| Net charge-offs | $241,000 | 2,252 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $385,000 | 2,518 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,605,000 | 2,845 |
| Total interest expense | $3,833,000 | 2,836 |
| Net interest income | $7,772,000 | 2,793 |
| Provision for loan and lease losses | $2,493,000 | 2,191 |
| Total noninterest income | $1,713,000 | 2,357 |
| Gross Fiduciary activities income | $137,000 | 820 |
| Service charges on deposit accounts | $892,000 | 1,864 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $684,000 | 2,701 |
| Total noninterest expense | $7,402,000 | 2,659 |
| Salaries and employee benefits | $3,550,000 | 2,746 |
| Premises and equipment expense | $746,000 | 3,298 |
| Additional noninterest expense | $3,106,000 | 2,278 |
| Pre-tax net operating income | $-410,000 | 5,917 |
| Securities gains (losses) | $2,000 | 3,583 |
| Applicable income taxes | $-158,000 | 6,687 |
| Income before extraordinary items | $-250,000 | 5,871 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-250,000 | 5,870 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-250,000 | 5,870 |
| Net charge-offs | $1,916,000 | 2,086 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-251,280 | 5,877 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,679,000 | 2,891 |
| Total interest expense | $2,919,000 | 2,916 |
| Net interest income | $5,760,000 | 2,834 |
| Provision for loan and lease losses | $1,004,000 | 2,770 |
| Total noninterest income | $1,550,000 | 2,107 |
| Gross Fiduciary activities income | $97,000 | 824 |
| Service charges on deposit accounts | $673,000 | 1,865 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $780,000 | 2,154 |
| Total noninterest expense | $5,420,000 | 2,728 |
| Salaries and employee benefits | $2,732,000 | 2,704 |
| Premises and equipment expense | $562,000 | 3,339 |
| Additional noninterest expense | $2,126,000 | 2,434 |
| Pre-tax net operating income | $886,000 | 2,947 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $296,000 | 1,932 |
| Income before extraordinary items | $590,000 | 3,416 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $590,000 | 3,414 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $590,000 | 3,416 |
| Net charge-offs | $1,290,000 | 1,930 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $590,000 | 3,320 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,787,000 | 2,922 |
| Total interest expense | $1,970,000 | 3,005 |
| Net interest income | $3,817,000 | 2,843 |
| Provision for loan and lease losses | $389,000 | 3,332 |
| Total noninterest income | $1,079,000 | 2,061 |
| Gross Fiduciary activities income | $63,000 | 830 |
| Service charges on deposit accounts | $439,000 | 1,874 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $577,000 | 2,035 |
| Total noninterest expense | $3,575,000 | 2,776 |
| Salaries and employee benefits | $1,803,000 | 2,764 |
| Premises and equipment expense | $375,000 | 3,353 |
| Additional noninterest expense | $1,397,000 | 2,489 |
| Pre-tax net operating income | $932,000 | 2,239 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $319,000 | 1,470 |
| Income before extraordinary items | $613,000 | 2,734 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $613,000 | 2,732 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $613,000 | 2,734 |
| Net charge-offs | $274,000 | 3,043 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $613,000 | 2,646 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,918,000 | 2,932 |
| Total interest expense | $1,018,000 | 3,009 |
| Net interest income | $1,900,000 | 2,833 |
| Provision for loan and lease losses | $134,000 | 3,473 |
| Total noninterest income | $497,000 | 2,149 |
| Gross Fiduciary activities income | $32,000 | 844 |
| Service charges on deposit accounts | $209,000 | 1,890 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $256,000 | 2,172 |
| Total noninterest expense | $1,723,000 | 2,786 |
| Salaries and employee benefits | $902,000 | 2,798 |
| Premises and equipment expense | $189,000 | 3,383 |
| Additional noninterest expense | $632,000 | 2,448 |
| Pre-tax net operating income | $540,000 | 2,234 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $186,000 | 1,535 |
| Income before extraordinary items | $354,000 | 2,790 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $354,000 | 2,789 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $354,000 | 2,791 |
| Net charge-offs | $251,000 | 1,952 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $354,000 | 2,656 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,942,000 | 2,841 |
| Total interest expense | $5,463,000 | 2,745 |
| Net interest income | $7,479,000 | 2,873 |
| Provision for loan and lease losses | $986,000 | 2,735 |
| Total noninterest income | $1,354,000 | 2,818 |
| Gross Fiduciary activities income | $67,000 | 940 |
| Service charges on deposit accounts | $970,000 | 1,805 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $317,000 | 4,011 |
| Total noninterest expense | $6,830,000 | 2,743 |
| Salaries and employee benefits | $3,468,000 | 2,850 |
| Premises and equipment expense | $799,000 | 3,190 |
| Additional noninterest expense | $2,563,000 | 2,293 |
| Pre-tax net operating income | $1,017,000 | 3,720 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $308,000 | 2,365 |
| Income before extraordinary items | $710,000 | 3,924 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $710,000 | 3,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $893,000 | 2,089 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $709,300 | 4,058 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,869,000 | 2,852 |
| Total interest expense | $4,342,000 | 2,694 |
| Net interest income | $5,527,000 | 2,934 |
| Provision for loan and lease losses | $290,000 | 3,611 |
| Total noninterest income | $1,174,000 | 2,619 |
| Gross Fiduciary activities income | $45,000 | 949 |
| Service charges on deposit accounts | $740,000 | 1,793 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $389,000 | 3,234 |
| Total noninterest expense | $5,169,000 | 2,708 |
| Salaries and employee benefits | $2,650,000 | 2,818 |
| Premises and equipment expense | $601,000 | 3,194 |
| Additional noninterest expense | $1,918,000 | 2,243 |
| Pre-tax net operating income | $1,242,000 | 3,251 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $413,000 | 2,118 |
| Income before extraordinary items | $830,000 | 3,490 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $830,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $728,000 | 1,575 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $829,330 | 3,633 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,685,000 | 2,853 |
| Total interest expense | $3,075,000 | 2,652 |
| Net interest income | $3,610,000 | 2,982 |
| Provision for loan and lease losses | $123,000 | 3,938 |
| Total noninterest income | $749,000 | 2,726 |
| Gross Fiduciary activities income | $22,000 | 997 |
| Service charges on deposit accounts | $462,000 | 1,864 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $265,000 | 3,241 |
| Total noninterest expense | $3,467,000 | 2,698 |
| Salaries and employee benefits | $1,751,000 | 2,881 |
| Premises and equipment expense | $405,000 | 3,177 |
| Additional noninterest expense | $1,311,000 | 2,159 |
| Pre-tax net operating income | $769,000 | 3,516 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $257,000 | 2,387 |
| Income before extraordinary items | $513,000 | 3,965 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $513,000 | 3,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $526,000 | 1,268 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $512,330 | 3,911 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,421,000 | 2,857 |
| Total interest expense | $1,684,000 | 2,603 |
| Net interest income | $1,737,000 | 3,099 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $371,000 | 2,742 |
| Gross Fiduciary activities income | $8,000 | 1,052 |
| Service charges on deposit accounts | $221,000 | 1,908 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $142,000 | 3,136 |
| Total noninterest expense | $1,704,000 | 2,735 |
| Salaries and employee benefits | $889,000 | 2,870 |
| Premises and equipment expense | $206,000 | 3,144 |
| Additional noninterest expense | $609,000 | 2,285 |
| Pre-tax net operating income | $404,000 | 3,530 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $135,000 | 2,445 |
| Income before extraordinary items | $270,000 | 4,042 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $270,000 | 4,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 1,155 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $269,330 | 3,957 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,909,000 | 2,878 |
| Total interest expense | $7,110,000 | 2,586 |
| Net interest income | $6,799,000 | 3,168 |
| Provision for loan and lease losses | $999,000 | 1,425 |
| Total noninterest income | $1,654,000 | 2,540 |
| Gross Fiduciary activities income | $16,000 | 1,187 |
| Service charges on deposit accounts | $892,000 | 1,938 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $746,000 | 2,659 |
| Total noninterest expense | $6,452,000 | 2,768 |
| Salaries and employee benefits | $3,423,000 | 2,867 |
| Premises and equipment expense | $787,000 | 3,112 |
| Additional noninterest expense | $2,242,000 | 2,401 |
| Pre-tax net operating income | $1,002,000 | 4,745 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $296,000 | 3,397 |
| Income before extraordinary items | $706,000 | 5,031 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $706,000 | 5,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,295 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $706,000 | 5,014 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,234,000 | 2,928 |
| Total interest expense | $5,192,000 | 2,651 |
| Net interest income | $5,042,000 | 3,206 |
| Provision for loan and lease losses | $318,000 | 2,214 |
| Total noninterest income | $1,271,000 | 2,491 |
| Gross Fiduciary activities income | $9,000 | 1,194 |
| Service charges on deposit accounts | $645,000 | 1,996 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $617,000 | 2,521 |
| Total noninterest expense | $4,900,000 | 2,714 |
| Salaries and employee benefits | $2,673,000 | 2,748 |
| Premises and equipment expense | $594,000 | 3,091 |
| Additional noninterest expense | $1,633,000 | 2,424 |
| Pre-tax net operating income | $1,095,000 | 4,151 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $340,000 | 3,020 |
| Income before extraordinary items | $755,000 | 4,473 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $755,000 | 4,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,644 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $755,000 | 4,465 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,651,000 | 3,001 |
| Total interest expense | $3,279,000 | 2,778 |
| Net interest income | $3,372,000 | 3,220 |
| Provision for loan and lease losses | $200,000 | 2,152 |
| Total noninterest income | $848,000 | 2,488 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $412,000 | 2,061 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $436,000 | 2,461 |
| Total noninterest expense | $3,319,000 | 2,720 |
| Salaries and employee benefits | $1,848,000 | 2,696 |
| Premises and equipment expense | $395,000 | 3,116 |
| Additional noninterest expense | $1,076,000 | 2,457 |
| Pre-tax net operating income | $701,000 | 4,310 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $207,000 | 3,215 |
| Income before extraordinary items | $494,000 | 4,572 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $494,000 | 4,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,420 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $494,000 | 4,568 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,190,000 | 3,107 |
| Total interest expense | $1,535,000 | 2,925 |
| Net interest income | $1,655,000 | 3,273 |
| Provision for loan and lease losses | $73,000 | 2,552 |
| Total noninterest income | $381,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $193,000 | 2,112 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $188,000 | 2,640 |
| Total noninterest expense | $1,646,000 | 2,749 |
| Salaries and employee benefits | $911,000 | 2,757 |
| Premises and equipment expense | $195,000 | 3,183 |
| Additional noninterest expense | $540,000 | 2,444 |
| Pre-tax net operating income | $317,000 | 4,530 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $77,000 | 3,631 |
| Income before extraordinary items | $240,000 | 4,657 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $240,000 | 4,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,145 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $240,000 | 4,643 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,003,000 | 3,321 |
| Total interest expense | $4,647,000 | 3,213 |
| Net interest income | $6,356,000 | 3,374 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $1,509,000 | 2,689 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $779,000 | 2,164 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $730,000 | 2,715 |
| Total noninterest expense | $6,105,000 | 2,837 |
| Salaries and employee benefits | $3,265,000 | 2,901 |
| Premises and equipment expense | $826,000 | 2,921 |
| Additional noninterest expense | $2,014,000 | 2,553 |
| Pre-tax net operating income | $1,640,000 | 4,099 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $556,000 | 2,993 |
| Income before extraordinary items | $1,084,000 | 4,527 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,084,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,413 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,084,000 | 4,512 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,986,000 | 3,382 |
| Total interest expense | $3,246,000 | 3,295 |
| Net interest income | $4,740,000 | 3,414 |
| Provision for loan and lease losses | $80,000 | 4,494 |
| Total noninterest income | $1,124,000 | 2,712 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $579,000 | 2,190 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $545,000 | 2,723 |
| Total noninterest expense | $4,460,000 | 2,884 |
| Salaries and employee benefits | $2,392,000 | 2,957 |
| Premises and equipment expense | $618,000 | 2,922 |
| Additional noninterest expense | $1,450,000 | 2,636 |
| Pre-tax net operating income | $1,324,000 | 4,064 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $449,000 | 3,016 |
| Income before extraordinary items | $875,000 | 4,488 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $875,000 | 4,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,158 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $875,000 | 4,473 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,166,000 | 3,423 |
| Total interest expense | $2,034,000 | 3,331 |
| Net interest income | $3,132,000 | 3,444 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $732,000 | 2,758 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $376,000 | 2,215 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $356,000 | 2,729 |
| Total noninterest expense | $2,941,000 | 2,930 |
| Salaries and employee benefits | $1,591,000 | 2,975 |
| Premises and equipment expense | $411,000 | 2,933 |
| Additional noninterest expense | $939,000 | 2,717 |
| Pre-tax net operating income | $883,000 | 4,095 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $304,000 | 3,025 |
| Income before extraordinary items | $579,000 | 4,531 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $579,000 | 4,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,092 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $579,000 | 4,523 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,489,000 | 3,456 |
| Total interest expense | $937,000 | 3,425 |
| Net interest income | $1,552,000 | 3,449 |
| Provision for loan and lease losses | $11,000 | 5,192 |
| Total noninterest income | $349,000 | 2,789 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $169,000 | 2,357 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $180,000 | 2,686 |
| Total noninterest expense | $1,486,000 | 2,896 |
| Salaries and employee benefits | $799,000 | 2,975 |
| Premises and equipment expense | $202,000 | 2,999 |
| Additional noninterest expense | $485,000 | 2,606 |
| Pre-tax net operating income | $404,000 | 4,255 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $137,000 | 3,170 |
| Income before extraordinary items | $267,000 | 4,702 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $267,000 | 4,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 945 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $267,000 | 4,684 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,014,000 | 3,420 |
| Total interest expense | $2,983,000 | 3,341 |
| Net interest income | $6,031,000 | 3,410 |
| Provision for loan and lease losses | $148,000 | 4,176 |
| Total noninterest income | $1,663,000 | 2,516 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $781,000 | 2,151 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $882,000 | 2,397 |
| Total noninterest expense | $5,427,000 | 3,016 |
| Salaries and employee benefits | $2,736,000 | 3,218 |
| Premises and equipment expense | $726,000 | 3,147 |
| Additional noninterest expense | $1,965,000 | 2,535 |
| Pre-tax net operating income | $2,119,000 | 3,552 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $738,000 | 2,731 |
| Income before extraordinary items | $1,381,000 | 3,991 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,381,000 | 3,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,855 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,381,000 | 3,960 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,640,000 | 3,417 |
| Total interest expense | $2,150,000 | 3,300 |
| Net interest income | $4,490,000 | 3,419 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $1,233,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $584,000 | 2,155 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $649,000 | 2,430 |
| Total noninterest expense | $4,033,000 | 3,006 |
| Salaries and employee benefits | $2,071,000 | 3,172 |
| Premises and equipment expense | $526,000 | 3,213 |
| Additional noninterest expense | $1,436,000 | 2,564 |
| Pre-tax net operating income | $1,645,000 | 3,517 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $578,000 | 2,695 |
| Income before extraordinary items | $1,067,000 | 3,990 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,067,000 | 3,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,633 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,067,000 | 3,940 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,279,000 | 3,434 |
| Total interest expense | $1,356,000 | 3,301 |
| Net interest income | $2,923,000 | 3,469 |
| Provision for loan and lease losses | $29,000 | 5,376 |
| Total noninterest income | $859,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $397,000 | 2,082 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $462,000 | 2,306 |
| Total noninterest expense | $2,689,000 | 2,992 |
| Salaries and employee benefits | $1,371,000 | 3,176 |
| Premises and equipment expense | $343,000 | 3,243 |
| Additional noninterest expense | $975,000 | 2,496 |
| Pre-tax net operating income | $1,064,000 | 3,553 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $373,000 | 2,722 |
| Income before extraordinary items | $691,000 | 4,026 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $691,000 | 4,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,851 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $691,000 | 3,968 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,074,000 | 3,485 |
| Total interest expense | $634,000 | 3,365 |
| Net interest income | $1,440,000 | 3,526 |
| Provision for loan and lease losses | $14,000 | 5,196 |
| Total noninterest income | $464,000 | 2,248 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $185,000 | 2,151 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $279,000 | 1,980 |
| Total noninterest expense | $1,310,000 | 3,076 |
| Salaries and employee benefits | $687,000 | 3,174 |
| Premises and equipment expense | $161,000 | 3,448 |
| Additional noninterest expense | $462,000 | 2,627 |
| Pre-tax net operating income | $580,000 | 3,302 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $211,000 | 2,509 |
| Income before extraordinary items | $369,000 | 3,828 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $369,000 | 3,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,501 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $369,000 | 3,786 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,535,000 | 3,574 |
| Total interest expense | $2,324,000 | 3,229 |
| Net interest income | $5,211,000 | 3,690 |
| Provision for loan and lease losses | $500,000 | 1,952 |
| Total noninterest income | $1,666,000 | 2,491 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $792,000 | 2,166 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $874,000 | 2,340 |
| Total noninterest expense | $4,775,000 | 3,254 |
| Salaries and employee benefits | $2,385,000 | 3,475 |
| Premises and equipment expense | $636,000 | 3,376 |
| Additional noninterest expense | $1,754,000 | 2,719 |
| Pre-tax net operating income | $1,602,000 | 4,081 |
| Securities gains (losses) | $135,000 | 1,042 |
| Applicable income taxes | $527,000 | 3,264 |
| Income before extraordinary items | $1,210,000 | 4,192 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,210,000 | 4,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 1,472 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,115,500 | 4,322 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,576,000 | 3,596 |
| Total interest expense | $1,712,000 | 3,223 |
| Net interest income | $3,864,000 | 3,699 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,327,000 | 2,407 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $590,000 | 2,194 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $737,000 | 2,195 |
| Total noninterest expense | $3,592,000 | 3,224 |
| Salaries and employee benefits | $1,775,000 | 3,474 |
| Premises and equipment expense | $472,000 | 3,416 |
| Additional noninterest expense | $1,345,000 | 2,630 |
| Pre-tax net operating income | $1,599,000 | 3,433 |
| Securities gains (losses) | $135,000 | 993 |
| Applicable income taxes | $622,000 | 2,506 |
| Income before extraordinary items | $1,112,000 | 3,738 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,112,000 | 3,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,052 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,025,600 | 3,877 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,640,000 | 3,664 |
| Total interest expense | $1,122,000 | 3,254 |
| Net interest income | $2,518,000 | 3,758 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $728,000 | 2,764 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $383,000 | 2,228 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $345,000 | 2,751 |
| Total noninterest expense | $2,313,000 | 3,341 |
| Salaries and employee benefits | $1,148,000 | 3,577 |
| Premises and equipment expense | $306,000 | 3,498 |
| Additional noninterest expense | $859,000 | 2,744 |
| Pre-tax net operating income | $933,000 | 3,697 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $334,000 | 2,884 |
| Income before extraordinary items | $601,000 | 4,247 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $601,000 | 4,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 845 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $599,720 | 4,164 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,824,000 | 3,668 |
| Total interest expense | $582,000 | 3,192 |
| Net interest income | $1,242,000 | 3,791 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $364,000 | 2,709 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $167,000 | 2,448 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $197,000 | 2,499 |
| Total noninterest expense | $1,167,000 | 3,303 |
| Salaries and employee benefits | $583,000 | 3,563 |
| Premises and equipment expense | $152,000 | 3,556 |
| Additional noninterest expense | $432,000 | 2,704 |
| Pre-tax net operating income | $439,000 | 3,841 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $163,000 | 2,940 |
| Income before extraordinary items | $276,000 | 4,501 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $276,000 | 4,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 503 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $276,000 | 4,368 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,268,000 | 3,702 |
| Total interest expense | $2,346,000 | 3,511 |
| Net interest income | $4,922,000 | 3,720 |
| Provision for loan and lease losses | $157,000 | 4,503 |
| Total noninterest income | $1,683,000 | 2,608 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $620,000 | 2,638 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,063,000 | 2,296 |
| Total noninterest expense | $4,408,000 | 3,406 |
| Salaries and employee benefits | $2,239,000 | 3,566 |
| Premises and equipment expense | $513,000 | 3,987 |
| Additional noninterest expense | $1,656,000 | 2,818 |
| Pre-tax net operating income | $2,040,000 | 3,354 |
| Securities gains (losses) | $49,000 | 2,531 |
| Applicable income taxes | $617,000 | 3,006 |
| Income before extraordinary items | $1,472,000 | 3,605 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,472,000 | 3,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,331 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,437,700 | 3,505 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,448,000 | 3,745 |
| Total interest expense | $1,767,000 | 3,609 |
| Net interest income | $3,681,000 | 3,758 |
| Provision for loan and lease losses | $157,000 | 3,820 |
| Total noninterest income | $1,299,000 | 2,610 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $443,000 | 2,730 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $856,000 | 2,271 |
| Total noninterest expense | $3,283,000 | 3,426 |
| Salaries and employee benefits | $1,653,000 | 3,604 |
| Premises and equipment expense | $382,000 | 3,994 |
| Additional noninterest expense | $1,248,000 | 2,788 |
| Pre-tax net operating income | $1,540,000 | 3,463 |
| Securities gains (losses) | $49,000 | 2,325 |
| Applicable income taxes | $562,000 | 2,797 |
| Income before extraordinary items | $1,027,000 | 3,919 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,027,000 | 3,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,473 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $995,150 | 3,830 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,620,000 | 3,786 |
| Total interest expense | $1,206,000 | 3,652 |
| Net interest income | $2,414,000 | 3,801 |
| Provision for loan and lease losses | $107,000 | 3,753 |
| Total noninterest income | $976,000 | 2,399 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $251,000 | 3,057 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $725,000 | 1,913 |
| Total noninterest expense | $2,197,000 | 3,405 |
| Salaries and employee benefits | $1,097,000 | 3,614 |
| Premises and equipment expense | $259,000 | 3,939 |
| Additional noninterest expense | $841,000 | 2,760 |
| Pre-tax net operating income | $1,086,000 | 3,319 |
| Securities gains (losses) | $49,000 | 2,032 |
| Applicable income taxes | $406,000 | 2,658 |
| Income before extraordinary items | $729,000 | 3,751 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $729,000 | 3,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,211 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $697,640 | 3,684 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 3,779 |
| Total interest expense | $610,000 | 3,696 |
| Net interest income | $1,216,000 | 3,781 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $470,000 | 2,401 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $94,000 | 3,690 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $376,000 | 1,819 |
| Total noninterest expense | $1,095,000 | 3,405 |
| Salaries and employee benefits | $547,000 | 3,623 |
| Premises and equipment expense | $132,000 | 3,884 |
| Additional noninterest expense | $416,000 | 2,757 |
| Pre-tax net operating income | $591,000 | 3,120 |
| Securities gains (losses) | $20,000 | 1,898 |
| Applicable income taxes | $220,000 | 2,546 |
| Income before extraordinary items | $391,000 | 3,516 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $391,000 | 3,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 1,476 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $378,200 | 3,440 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,402,000 | 3,873 |
| Total interest expense | $2,610,000 | 3,966 |
| Net interest income | $4,792,000 | 3,785 |
| Provision for loan and lease losses | $195,000 | 4,416 |
| Total noninterest income | $989,000 | 3,513 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $391,000 | 3,583 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $598,000 | 2,968 |
| Total noninterest expense | $3,576,000 | 3,888 |
| Salaries and employee benefits | $1,913,000 | 3,883 |
| Premises and equipment expense | $542,000 | 3,718 |
| Additional noninterest expense | $1,121,000 | 3,807 |
| Pre-tax net operating income | $2,010,000 | 3,415 |
| Securities gains (losses) | $203,000 | 1,160 |
| Applicable income taxes | $778,000 | 2,641 |
| Income before extraordinary items | $1,435,000 | 3,611 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,435,000 | 3,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,669 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,303,050 | 3,773 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,621,000 | 4,605 |
| Total interest expense | $2,737,000 | 5,069 |
| Net interest income | $3,884,000 | 4,217 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $848,000 | 3,702 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $380,000 | 3,548 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $468,000 | 3,248 |
| Total noninterest expense | $3,103,000 | 4,222 |
| Salaries and employee benefits | $1,632,000 | 4,247 |
| Premises and equipment expense | $427,000 | 4,393 |
| Additional noninterest expense | $1,044,000 | 3,919 |
| Pre-tax net operating income | $1,629,000 | 3,662 |
| Securities gains (losses) | $80,000 | 1,936 |
| Applicable income taxes | $605,000 | 2,955 |
| Income before extraordinary items | $1,104,000 | 4,021 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,104,000 | 4,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 9,539 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,052,000 | 4,033 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,009,000 | 5,076 |
| Total interest expense | $2,645,000 | 5,376 |
| Net interest income | $3,364,000 | 4,750 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $875,000 | 3,454 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $480,000 | 2,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $395,000 | 3,375 |
| Total noninterest expense | $2,923,000 | 4,321 |
| Salaries and employee benefits | $1,505,000 | 4,350 |
| Premises and equipment expense | $428,000 | 4,287 |
| Additional noninterest expense | $990,000 | 4,031 |
| Pre-tax net operating income | $1,316,000 | 4,470 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $427,000 | 3,850 |
| Income before extraordinary items | $889,000 | 4,719 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $889,000 | 4,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,894 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $889,000 | 4,720 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,719,000 | 5,112 |
| Total interest expense | $2,407,000 | 5,324 |
| Net interest income | $3,312,000 | 4,819 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $918,000 | 3,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $444,000 | 2,926 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $474,000 | 3,058 |
| Total noninterest expense | $2,712,000 | 4,577 |
| Salaries and employee benefits | $1,415,000 | 4,549 |
| Premises and equipment expense | $443,000 | 4,184 |
| Additional noninterest expense | $854,000 | 4,574 |
| Pre-tax net operating income | $1,398,000 | 4,299 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $469,000 | 3,765 |
| Income before extraordinary items | $937,000 | 4,627 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $937,000 | 4,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,262 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $931,640 | 4,611 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,269,000 | 4,838 |
| Total interest expense | $2,860,000 | 4,891 |
| Net interest income | $3,409,000 | 4,690 |
| Provision for loan and lease losses | $425,000 | 1,959 |
| Total noninterest income | $1,069,000 | 2,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,286 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $691,000 | 2,419 |
| Total noninterest expense | $2,741,000 | 4,459 |
| Salaries and employee benefits | $1,354,000 | 4,613 |
| Premises and equipment expense | $478,000 | 3,820 |
| Additional noninterest expense | $909,000 | 4,260 |
| Pre-tax net operating income | $1,312,000 | 4,582 |
| Securities gains (losses) | $32,000 | 2,083 |
| Applicable income taxes | $485,000 | 3,917 |
| Income before extraordinary items | $859,000 | 4,966 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $859,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $486,000 | 1,286 |
| Cash dividends | $20,000 | 7,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $838,520 | 4,958 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,754,000 | 4,633 |
| Total interest expense | $3,026,000 | 4,675 |
| Net interest income | $3,728,000 | 4,495 |
| Provision for loan and lease losses | $490,000 | 1,803 |
| Total noninterest income | $781,000 | 3,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $399,000 | 3,289 |
| Total noninterest expense | $2,630,000 | 4,577 |
| Salaries and employee benefits | $1,284,000 | 4,828 |
| Premises and equipment expense | $469,000 | 3,917 |
| Additional noninterest expense | $877,000 | 4,407 |
| Pre-tax net operating income | $1,389,000 | 4,742 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $540,000 | 3,990 |
| Income before extraordinary items | $857,000 | 5,233 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $857,000 | 5,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $657,000 | 1,072 |
| Cash dividends | $714,000 | 2,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $851,880 | 5,193 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,869,000 | 4,654 |
| Total interest expense | $3,384,000 | 4,320 |
| Net interest income | $3,485,000 | 4,841 |
| Provision for loan and lease losses | $460,000 | 1,847 |
| Total noninterest income | $1,343,000 | 2,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $367,000 | 3,600 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $976,000 | 1,848 |
| Total noninterest expense | $2,855,000 | 4,470 |
| Salaries and employee benefits | $1,412,000 | 4,557 |
| Premises and equipment expense | $491,000 | 3,830 |
| Additional noninterest expense | $952,000 | 4,588 |
| Pre-tax net operating income | $1,513,000 | 4,307 |
| Securities gains (losses) | $-147,000 | 11,267 |
| Applicable income taxes | $534,000 | 3,939 |
| Income before extraordinary items | $832,000 | 5,156 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $832,000 | 5,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $526,000 | 1,371 |
| Cash dividends | $455,000 | 3,605 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $926,080 | 4,722 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,449,000 | 4,300 |
| Total interest expense | $3,779,000 | 3,872 |
| Net interest income | $3,670,000 | 4,667 |
| Provision for loan and lease losses | $579,000 | 1,405 |
| Total noninterest income | $1,026,000 | 3,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,797 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $679,000 | 2,338 |
| Total noninterest expense | $3,429,000 | 3,818 |
| Salaries and employee benefits | $1,476,000 | 4,348 |
| Premises and equipment expense | $607,000 | 3,179 |
| Additional noninterest expense | $1,346,000 | 3,383 |
| Pre-tax net operating income | $688,000 | 7,390 |
| Securities gains (losses) | $-199,000 | 11,674 |
| Applicable income taxes | $44,000 | 10,292 |
| Income before extraordinary items | $445,000 | 7,680 |
| Extraordinary gains, net | $-68,000 | 11,935 |
| Net income | $377,000 | 8,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $749,000 | 1,073 |
| Cash dividends | $252,000 | 4,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $626,090 | 6,440 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,599,000 | 5,159 |
| Total interest expense | $2,354,000 | 4,886 |
| Net interest income | $3,245,000 | 5,272 |
| Provision for loan and lease losses | $840,000 | 1,048 |
| Total noninterest income | $762,000 | 3,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $325,000 | 4,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $437,000 | 3,228 |
| Total noninterest expense | $2,874,000 | 4,574 |
| Salaries and employee benefits | $1,410,000 | 4,526 |
| Premises and equipment expense | $441,000 | 4,233 |
| Additional noninterest expense | $1,023,000 | 4,630 |
| Pre-tax net operating income | $293,000 | 10,181 |
| Securities gains (losses) | $-55,000 | 11,109 |
| Applicable income taxes | $30,000 | 10,923 |
| Income before extraordinary items | $208,000 | 10,186 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $208,000 | 10,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $942,000 | 903 |
| Cash dividends | $94,000 | 7,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $255,850 | 9,697 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,596,000 | 5,254 |
| Total interest expense | $2,131,000 | 5,539 |
| Net interest income | $3,465,000 | 5,001 |
| Provision for loan and lease losses | $1,784,000 | 883 |
| Total noninterest income | $680,000 | 4,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 4,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $373,000 | 3,930 |
| Total noninterest expense | $2,730,000 | 4,880 |
| Salaries and employee benefits | $1,389,000 | 4,588 |
| Premises and equipment expense | $420,000 | 4,523 |
| Additional noninterest expense | $921,000 | 5,268 |
| Pre-tax net operating income | $-369,000 | 12,801 |
| Securities gains (losses) | $26,000 | 4,293 |
| Applicable income taxes | $-180,000 | 13,029 |
| Income before extraordinary items | $-163,000 | 12,724 |
| Extraordinary gains, net | $26,000 | 2,568 |
| Net income | $-137,000 | 12,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,164,000 | 1,040 |
| Cash dividends | $57,000 | 7,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-179,640 | 12,657 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,939,000 | 5,540 |
| Total interest expense | $2,256,000 | 6,493 |
| Net interest income | $3,683,000 | 4,789 |
| Provision for loan and lease losses | $656,000 | 2,478 |
| Total noninterest income | $741,000 | 4,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $383,000 | 3,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $358,000 | 3,975 |
| Total noninterest expense | $2,835,000 | 4,767 |
| Salaries and employee benefits | $1,250,000 | 4,981 |
| Premises and equipment expense | $384,000 | 4,951 |
| Additional noninterest expense | $1,201,000 | 4,331 |
| Pre-tax net operating income | $933,000 | 5,931 |
| Securities gains (losses) | $102,000 | 2,973 |
| Applicable income taxes | $342,000 | 5,442 |
| Income before extraordinary items | $693,000 | 5,974 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $693,000 | 6,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $383,000 | 2,901 |
| Cash dividends | $1,327,000 | 1,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $624,660 | 6,043 |
* 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.