Home > The Montezuma State Bank > Income and Expense
The Montezuma State Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $2,297,000 | 5,676 |
| Total interest expense | $170,000 | 6,078 |
| Net interest income | $2,127,000 | 5,544 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $70,000 | 6,365 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $31,000 | 6,272 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $39,000 | 5,998 |
| Total noninterest expense | $1,883,000 | 5,563 |
| Salaries and employee benefits | $1,137,000 | 5,352 |
| Premises and equipment expense | $238,000 | 5,291 |
| Additional noninterest expense | $508,000 | 5,838 |
| Pre-tax net operating income | $314,000 | 5,465 |
| Securities gains (losses) | $-1,302,000 | 6,750 |
| Applicable income taxes | $-56,000 | 6,425 |
| Income before extraordinary items | $-932,000 | 6,574 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-932,000 | 6,575 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-932,000 | 6,575 |
| Net charge-offs | $-6,000 | 6,085 |
| Cash dividends | $420,000 | 2,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $291,880 | 5,393 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $1,732,000 | 5,727 |
| Total interest expense | $138,000 | 6,091 |
| Net interest income | $1,594,000 | 5,596 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $52,000 | 6,465 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $23,000 | 6,342 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $29,000 | 6,079 |
| Total noninterest expense | $1,434,000 | 5,563 |
| Salaries and employee benefits | $888,000 | 5,306 |
| Premises and equipment expense | $179,000 | 5,308 |
| Additional noninterest expense | $367,000 | 5,917 |
| Pre-tax net operating income | $212,000 | 5,636 |
| Securities gains (losses) | $78,000 | 1,386 |
| Applicable income taxes | $16,000 | 4,173 |
| Income before extraordinary items | $274,000 | 5,365 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $274,000 | 5,366 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $274,000 | 5,367 |
| Net charge-offs | $-5,000 | 5,968 |
| Cash dividends | $420,000 | 2,278 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $200,680 | 5,571 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,154,000 | 5,758 |
| Total interest expense | $96,000 | 6,114 |
| Net interest income | $1,058,000 | 5,633 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $36,000 | 6,486 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $13,000 | 6,447 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $23,000 | 6,025 |
| Total noninterest expense | $921,000 | 5,656 |
| Salaries and employee benefits | $588,000 | 5,345 |
| Premises and equipment expense | $113,000 | 5,414 |
| Additional noninterest expense | $220,000 | 6,053 |
| Pre-tax net operating income | $173,000 | 5,463 |
| Securities gains (losses) | $68,000 | 1,334 |
| Applicable income taxes | $13,000 | 4,110 |
| Income before extraordinary items | $228,000 | 5,121 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $228,000 | 5,123 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $228,000 | 5,124 |
| Net charge-offs | $-3,000 | 5,794 |
| Cash dividends | $395,000 | 1,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $163,400 | 5,362 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $592,000 | 5,760 |
| Total interest expense | $48,000 | 6,196 |
| Net interest income | $544,000 | 5,616 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $11,000 | 6,698 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $6,000 | 6,510 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $5,000 | 6,416 |
| Total noninterest expense | $492,000 | 5,597 |
| Salaries and employee benefits | $294,000 | 5,380 |
| Premises and equipment expense | $54,000 | 5,518 |
| Additional noninterest expense | $144,000 | 5,738 |
| Pre-tax net operating income | $63,000 | 5,696 |
| Securities gains (losses) | $67,000 | 804 |
| Applicable income taxes | $9,000 | 3,970 |
| Income before extraordinary items | $121,000 | 5,008 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $121,000 | 5,009 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $121,000 | 5,010 |
| Net charge-offs | $-1,000 | 5,189 |
| Cash dividends | $55,000 | 2,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $58,690 | 5,650 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,039,000 | 5,452 |
| Total interest expense | $269,000 | 6,112 |
| Net interest income | $2,770,000 | 5,278 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $123,000 | 6,136 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $30,000 | 6,528 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $93,000 | 5,409 |
| Total noninterest expense | $2,133,000 | 5,531 |
| Salaries and employee benefits | $1,234,000 | 5,336 |
| Premises and equipment expense | $239,000 | 5,435 |
| Additional noninterest expense | $660,000 | 5,647 |
| Pre-tax net operating income | $760,000 | 4,405 |
| Securities gains (losses) | $966,000 | 536 |
| Applicable income taxes | $75,000 | 3,693 |
| Income before extraordinary items | $1,651,000 | 2,933 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,651,000 | 2,935 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,651,000 | 2,935 |
| Net charge-offs | $-6,000 | 6,535 |
| Cash dividends | $1,355,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $723,640 | 4,255 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,345,000 | 5,495 |
| Total interest expense | $213,000 | 6,175 |
| Net interest income | $2,132,000 | 5,300 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $53,000 | 6,627 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $23,000 | 6,601 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $30,000 | 6,096 |
| Total noninterest expense | $1,590,000 | 5,575 |
| Salaries and employee benefits | $926,000 | 5,362 |
| Premises and equipment expense | $194,000 | 5,311 |
| Additional noninterest expense | $470,000 | 5,792 |
| Pre-tax net operating income | $595,000 | 4,469 |
| Securities gains (losses) | $297,000 | 1,130 |
| Applicable income taxes | $41,000 | 3,878 |
| Income before extraordinary items | $851,000 | 3,752 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $851,000 | 3,752 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $851,000 | 3,754 |
| Net charge-offs | $-5,000 | 6,472 |
| Cash dividends | $930,000 | 1,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $568,850 | 4,288 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,549,000 | 5,548 |
| Total interest expense | $147,000 | 6,218 |
| Net interest income | $1,402,000 | 5,350 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $39,000 | 6,606 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $15,000 | 6,650 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 6,030 |
| Total noninterest expense | $1,053,000 | 5,633 |
| Salaries and employee benefits | $619,000 | 5,391 |
| Premises and equipment expense | $129,000 | 5,356 |
| Additional noninterest expense | $305,000 | 5,878 |
| Pre-tax net operating income | $388,000 | 4,492 |
| Securities gains (losses) | $244,000 | 979 |
| Applicable income taxes | $29,000 | 3,852 |
| Income before extraordinary items | $603,000 | 3,643 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $603,000 | 3,644 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $603,000 | 3,645 |
| Net charge-offs | $-3,000 | 6,365 |
| Cash dividends | $645,000 | 1,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $371,200 | 4,302 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $791,000 | 5,564 |
| Total interest expense | $81,000 | 6,195 |
| Net interest income | $710,000 | 5,358 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $14,000 | 6,837 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $8,000 | 6,658 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $6,000 | 6,469 |
| Total noninterest expense | $512,000 | 5,723 |
| Salaries and employee benefits | $311,000 | 5,414 |
| Premises and equipment expense | $62,000 | 5,443 |
| Additional noninterest expense | $139,000 | 6,051 |
| Pre-tax net operating income | $212,000 | 4,428 |
| Securities gains (losses) | $115,000 | 846 |
| Applicable income taxes | $16,000 | 3,775 |
| Income before extraordinary items | $311,000 | 3,577 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $311,000 | 3,580 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $311,000 | 3,580 |
| Net charge-offs | $-2,000 | 6,038 |
| Cash dividends | $425,000 | 987 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $201,750 | 4,215 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 5,501 |
| Total interest expense | $410,000 | 6,167 |
| Net interest income | $3,018,000 | 5,249 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $75,000 | 6,616 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $36,000 | 6,541 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $39,000 | 6,079 |
| Total noninterest expense | $2,038,000 | 5,785 |
| Salaries and employee benefits | $1,189,000 | 5,543 |
| Premises and equipment expense | $259,000 | 5,536 |
| Additional noninterest expense | $590,000 | 6,021 |
| Pre-tax net operating income | $1,055,000 | 3,626 |
| Securities gains (losses) | $117,000 | 1,939 |
| Applicable income taxes | $47,000 | 3,787 |
| Income before extraordinary items | $1,125,000 | 3,312 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,125,000 | 3,315 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,125,000 | 3,315 |
| Net charge-offs | $-41,000 | 7,158 |
| Cash dividends | $885,000 | 1,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,012,680 | 3,426 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,602,000 | 5,528 |
| Total interest expense | $316,000 | 6,237 |
| Net interest income | $2,286,000 | 5,264 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $57,000 | 6,705 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $27,000 | 6,579 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $30,000 | 6,169 |
| Total noninterest expense | $1,563,000 | 5,761 |
| Salaries and employee benefits | $904,000 | 5,517 |
| Premises and equipment expense | $209,000 | 5,430 |
| Additional noninterest expense | $450,000 | 6,021 |
| Pre-tax net operating income | $780,000 | 3,768 |
| Securities gains (losses) | $117,000 | 1,643 |
| Applicable income taxes | $36,000 | 3,785 |
| Income before extraordinary items | $861,000 | 3,362 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $861,000 | 3,364 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $861,000 | 3,363 |
| Net charge-offs | $-29,000 | 7,171 |
| Cash dividends | $885,000 | 1,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $748,680 | 3,525 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,734,000 | 5,574 |
| Total interest expense | $211,000 | 6,352 |
| Net interest income | $1,523,000 | 5,300 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $42,000 | 6,719 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $18,000 | 6,606 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 6,112 |
| Total noninterest expense | $1,027,000 | 5,860 |
| Salaries and employee benefits | $606,000 | 5,553 |
| Premises and equipment expense | $135,000 | 5,527 |
| Additional noninterest expense | $286,000 | 6,194 |
| Pre-tax net operating income | $538,000 | 3,671 |
| Securities gains (losses) | $62,000 | 1,453 |
| Applicable income taxes | $23,000 | 3,768 |
| Income before extraordinary items | $577,000 | 3,266 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $577,000 | 3,267 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $577,000 | 3,267 |
| Net charge-offs | $-8,000 | 6,966 |
| Cash dividends | $625,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $517,480 | 3,411 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $856,000 | 5,629 |
| Total interest expense | $105,000 | 6,443 |
| Net interest income | $751,000 | 5,340 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $13,000 | 7,036 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $7,000 | 6,714 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $6,000 | 6,638 |
| Total noninterest expense | $521,000 | 5,861 |
| Salaries and employee benefits | $308,000 | 5,556 |
| Premises and equipment expense | $68,000 | 5,570 |
| Additional noninterest expense | $145,000 | 6,202 |
| Pre-tax net operating income | $243,000 | 3,885 |
| Securities gains (losses) | $23,000 | 1,043 |
| Applicable income taxes | $8,000 | 3,871 |
| Income before extraordinary items | $258,000 | 3,526 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $258,000 | 3,522 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $258,000 | 3,524 |
| Net charge-offs | $-6,000 | 6,852 |
| Cash dividends | $425,000 | 848 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $235,690 | 3,627 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,385,000 | 5,795 |
| Total interest expense | $465,000 | 6,622 |
| Net interest income | $2,920,000 | 5,426 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $77,000 | 6,856 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $41,000 | 6,372 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $36,000 | 6,325 |
| Total noninterest expense | $1,994,000 | 6,017 |
| Salaries and employee benefits | $1,169,000 | 5,739 |
| Premises and equipment expense | $263,000 | 5,700 |
| Additional noninterest expense | $562,000 | 6,318 |
| Pre-tax net operating income | $1,003,000 | 3,374 |
| Securities gains (losses) | $250,000 | 1,415 |
| Applicable income taxes | $52,000 | 3,615 |
| Income before extraordinary items | $1,201,000 | 2,914 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,201,000 | 2,910 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,201,000 | 2,914 |
| Net charge-offs | $-5,000 | 7,394 |
| Cash dividends | $945,000 | 1,561 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $961,000 | 3,161 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,522,000 | 5,912 |
| Total interest expense | $353,000 | 6,747 |
| Net interest income | $2,169,000 | 5,525 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $60,000 | 6,974 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $34,000 | 6,369 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $26,000 | 6,511 |
| Total noninterest expense | $1,519,000 | 6,023 |
| Salaries and employee benefits | $887,000 | 5,741 |
| Premises and equipment expense | $217,000 | 5,549 |
| Additional noninterest expense | $415,000 | 6,395 |
| Pre-tax net operating income | $710,000 | 3,690 |
| Securities gains (losses) | $163,000 | 1,533 |
| Applicable income taxes | $33,000 | 3,791 |
| Income before extraordinary items | $840,000 | 3,197 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $840,000 | 3,195 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $840,000 | 3,197 |
| Net charge-offs | $-3,000 | 7,327 |
| Cash dividends | $935,000 | 1,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $683,520 | 3,415 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,670,000 | 5,974 |
| Total interest expense | $238,000 | 6,812 |
| Net interest income | $1,432,000 | 5,575 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $49,000 | 6,868 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $27,000 | 6,278 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $22,000 | 6,389 |
| Total noninterest expense | $1,010,000 | 6,060 |
| Salaries and employee benefits | $597,000 | 5,747 |
| Premises and equipment expense | $132,000 | 5,782 |
| Additional noninterest expense | $281,000 | 6,399 |
| Pre-tax net operating income | $471,000 | 3,730 |
| Securities gains (losses) | $136,000 | 1,206 |
| Applicable income taxes | $22,000 | 3,744 |
| Income before extraordinary items | $585,000 | 3,117 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $585,000 | 3,112 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $585,000 | 3,115 |
| Net charge-offs | $-7,000 | 7,413 |
| Cash dividends | $758,000 | 924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $454,440 | 3,459 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $859,000 | 5,964 |
| Total interest expense | $119,000 | 6,932 |
| Net interest income | $740,000 | 5,510 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $20,000 | 7,107 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $15,000 | 6,220 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $5,000 | 6,997 |
| Total noninterest expense | $511,000 | 6,119 |
| Salaries and employee benefits | $300,000 | 5,819 |
| Premises and equipment expense | $65,000 | 5,884 |
| Additional noninterest expense | $146,000 | 6,399 |
| Pre-tax net operating income | $249,000 | 3,684 |
| Securities gains (losses) | $111,000 | 744 |
| Applicable income taxes | $11,000 | 3,764 |
| Income before extraordinary items | $349,000 | 2,827 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $349,000 | 2,824 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $349,000 | 2,827 |
| Net charge-offs | $-7,000 | 7,395 |
| Cash dividends | $500,000 | 654 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $241,330 | 3,433 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,447,000 | 6,052 |
| Total interest expense | $500,000 | 7,134 |
| Net interest income | $2,947,000 | 5,428 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $101,000 | 6,979 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $65,000 | 6,249 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $36,000 | 6,622 |
| Total noninterest expense | $1,982,000 | 6,250 |
| Salaries and employee benefits | $1,120,000 | 6,001 |
| Premises and equipment expense | $276,000 | 5,831 |
| Additional noninterest expense | $586,000 | 6,495 |
| Pre-tax net operating income | $1,066,000 | 2,890 |
| Securities gains (losses) | $206,000 | 1,533 |
| Applicable income taxes | $52,000 | 3,240 |
| Income before extraordinary items | $1,220,000 | 2,451 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,220,000 | 2,449 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,220,000 | 2,450 |
| Net charge-offs | $-15,000 | 7,881 |
| Cash dividends | $898,000 | 1,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,022,240 | 2,683 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,583,000 | 6,116 |
| Total interest expense | $389,000 | 7,206 |
| Net interest income | $2,194,000 | 5,468 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $76,000 | 7,089 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $50,000 | 6,270 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $26,000 | 6,813 |
| Total noninterest expense | $1,466,000 | 6,295 |
| Salaries and employee benefits | $823,000 | 6,066 |
| Premises and equipment expense | $212,000 | 5,829 |
| Additional noninterest expense | $431,000 | 6,554 |
| Pre-tax net operating income | $804,000 | 3,104 |
| Securities gains (losses) | $150,000 | 1,510 |
| Applicable income taxes | $38,000 | 3,481 |
| Income before extraordinary items | $916,000 | 2,622 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $916,000 | 2,619 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $916,000 | 2,622 |
| Net charge-offs | $-13,000 | 7,898 |
| Cash dividends | $838,000 | 1,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $772,000 | 2,862 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,716,000 | 6,194 |
| Total interest expense | $267,000 | 7,282 |
| Net interest income | $1,449,000 | 5,494 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $56,000 | 7,058 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $34,000 | 6,274 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $22,000 | 6,709 |
| Total noninterest expense | $955,000 | 6,398 |
| Salaries and employee benefits | $539,000 | 6,179 |
| Premises and equipment expense | $132,000 | 6,033 |
| Additional noninterest expense | $284,000 | 6,608 |
| Pre-tax net operating income | $550,000 | 3,149 |
| Securities gains (losses) | $121,000 | 1,346 |
| Applicable income taxes | $26,000 | 3,570 |
| Income before extraordinary items | $645,000 | 2,643 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $645,000 | 2,640 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $645,000 | 2,642 |
| Net charge-offs | $-12,000 | 7,928 |
| Cash dividends | $560,000 | 1,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $528,840 | 2,888 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $871,000 | 6,200 |
| Total interest expense | $140,000 | 7,310 |
| Net interest income | $731,000 | 5,453 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $21,000 | 7,376 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $16,000 | 6,311 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $5,000 | 7,314 |
| Total noninterest expense | $466,000 | 6,426 |
| Salaries and employee benefits | $271,000 | 6,213 |
| Premises and equipment expense | $69,000 | 5,979 |
| Additional noninterest expense | $126,000 | 6,699 |
| Pre-tax net operating income | $286,000 | 3,404 |
| Securities gains (losses) | $29,000 | 1,527 |
| Applicable income taxes | $10,000 | 3,971 |
| Income before extraordinary items | $305,000 | 3,100 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $305,000 | 3,101 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $305,000 | 3,101 |
| Net charge-offs | $-12,000 | 7,903 |
| Cash dividends | $425,000 | 1,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $276,870 | 3,126 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,409,000 | 6,366 |
| Total interest expense | $699,000 | 7,326 |
| Net interest income | $2,710,000 | 5,692 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $100,000 | 7,301 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $66,000 | 6,405 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $34,000 | 7,102 |
| Total noninterest expense | $1,828,000 | 6,455 |
| Salaries and employee benefits | $1,072,000 | 6,265 |
| Premises and equipment expense | $272,000 | 6,041 |
| Additional noninterest expense | $484,000 | 6,691 |
| Pre-tax net operating income | $982,000 | 3,791 |
| Securities gains (losses) | $56,000 | 1,521 |
| Applicable income taxes | $46,000 | 3,893 |
| Income before extraordinary items | $992,000 | 3,308 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $992,000 | 3,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,864 |
| Cash dividends | $769,000 | 2,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $938,240 | 3,559 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,557,000 | 6,434 |
| Total interest expense | $536,000 | 7,411 |
| Net interest income | $2,021,000 | 5,769 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $75,000 | 7,415 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $50,000 | 6,441 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $25,000 | 7,272 |
| Total noninterest expense | $1,376,000 | 6,444 |
| Salaries and employee benefits | $793,000 | 6,313 |
| Premises and equipment expense | $210,000 | 5,975 |
| Additional noninterest expense | $373,000 | 6,622 |
| Pre-tax net operating income | $720,000 | 4,285 |
| Securities gains (losses) | $51,000 | 1,403 |
| Applicable income taxes | $34,000 | 4,349 |
| Income before extraordinary items | $737,000 | 3,722 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $737,000 | 3,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,962 |
| Cash dividends | $759,000 | 2,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $688,040 | 3,996 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,652,000 | 6,555 |
| Total interest expense | $351,000 | 7,548 |
| Net interest income | $1,301,000 | 5,863 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $54,000 | 7,399 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $33,000 | 6,468 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $21,000 | 7,150 |
| Total noninterest expense | $910,000 | 6,517 |
| Salaries and employee benefits | $520,000 | 6,396 |
| Premises and equipment expense | $145,000 | 5,915 |
| Additional noninterest expense | $245,000 | 6,690 |
| Pre-tax net operating income | $445,000 | 4,583 |
| Securities gains (losses) | $40,000 | 1,598 |
| Applicable income taxes | $22,000 | 4,624 |
| Income before extraordinary items | $463,000 | 4,169 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $463,000 | 4,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,450 |
| Cash dividends | $499,000 | 2,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $425,000 | 4,293 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $824,000 | 6,649 |
| Total interest expense | $163,000 | 7,736 |
| Net interest income | $661,000 | 5,845 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $21,000 | 7,662 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $16,000 | 6,480 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,000 | 7,707 |
| Total noninterest expense | $445,000 | 6,594 |
| Salaries and employee benefits | $256,000 | 6,463 |
| Premises and equipment expense | $64,000 | 6,286 |
| Additional noninterest expense | $125,000 | 6,632 |
| Pre-tax net operating income | $237,000 | 4,634 |
| Securities gains (losses) | $27,000 | 1,433 |
| Applicable income taxes | $12,000 | 4,690 |
| Income before extraordinary items | $252,000 | 4,189 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $252,000 | 4,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $338,000 | 1,765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $226,350 | 4,315 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,387,000 | 6,589 |
| Total interest expense | $680,000 | 7,695 |
| Net interest income | $2,707,000 | 5,761 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $110,000 | 7,465 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $75,000 | 6,371 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $35,000 | 7,425 |
| Total noninterest expense | $1,779,000 | 6,505 |
| Salaries and employee benefits | $1,079,000 | 6,270 |
| Premises and equipment expense | $245,000 | 6,302 |
| Additional noninterest expense | $455,000 | 6,804 |
| Pre-tax net operating income | $1,038,000 | 4,668 |
| Securities gains (losses) | $6,000 | 1,516 |
| Applicable income taxes | $44,000 | 5,002 |
| Income before extraordinary items | $1,000,000 | 4,329 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,000,000 | 4,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,878 |
| Cash dividends | $698,000 | 3,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $994,240 | 4,330 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 6,638 |
| Total interest expense | $508,000 | 7,734 |
| Net interest income | $2,015,000 | 5,814 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $84,000 | 7,492 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $57,000 | 6,395 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $27,000 | 7,429 |
| Total noninterest expense | $1,331,000 | 6,505 |
| Salaries and employee benefits | $800,000 | 6,292 |
| Premises and equipment expense | $199,000 | 6,094 |
| Additional noninterest expense | $332,000 | 6,839 |
| Pre-tax net operating income | $768,000 | 4,924 |
| Securities gains (losses) | $6,000 | 1,140 |
| Applicable income taxes | $32,000 | 5,221 |
| Income before extraordinary items | $742,000 | 4,507 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $742,000 | 4,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,022 |
| Cash dividends | $693,000 | 2,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $736,240 | 4,526 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,618,000 | 6,759 |
| Total interest expense | $308,000 | 7,876 |
| Net interest income | $1,310,000 | 5,925 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $62,000 | 7,433 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $39,000 | 6,398 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $23,000 | 7,240 |
| Total noninterest expense | $884,000 | 6,560 |
| Salaries and employee benefits | $540,000 | 6,314 |
| Premises and equipment expense | $126,000 | 6,246 |
| Additional noninterest expense | $218,000 | 6,906 |
| Pre-tax net operating income | $488,000 | 5,087 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $20,000 | 5,345 |
| Income before extraordinary items | $468,000 | 4,705 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $468,000 | 4,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,237 |
| Cash dividends | $435,000 | 2,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $468,000 | 4,699 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $799,000 | 6,819 |
| Total interest expense | $149,000 | 7,941 |
| Net interest income | $650,000 | 5,953 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $26,000 | 7,612 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $19,000 | 6,411 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,000 | 7,693 |
| Total noninterest expense | $448,000 | 6,561 |
| Salaries and employee benefits | $272,000 | 6,334 |
| Premises and equipment expense | $66,000 | 6,178 |
| Additional noninterest expense | $110,000 | 6,904 |
| Pre-tax net operating income | $228,000 | 5,240 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $8,000 | 5,466 |
| Income before extraordinary items | $220,000 | 4,845 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $220,000 | 4,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $283,000 | 2,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $220,000 | 4,817 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,459,000 | 6,444 |
| Total interest expense | $842,000 | 7,246 |
| Net interest income | $2,617,000 | 5,889 |
| Provision for loan and lease losses | $50,000 | 5,567 |
| Total noninterest income | $116,000 | 7,593 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $83,000 | 6,393 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $33,000 | 7,636 |
| Total noninterest expense | $1,646,000 | 6,656 |
| Salaries and employee benefits | $986,000 | 6,441 |
| Premises and equipment expense | $233,000 | 6,379 |
| Additional noninterest expense | $427,000 | 6,937 |
| Pre-tax net operating income | $1,037,000 | 5,112 |
| Securities gains (losses) | $-39,000 | 7,847 |
| Applicable income taxes | $40,000 | 5,584 |
| Income before extraordinary items | $958,000 | 4,805 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $958,000 | 4,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $946,000 | 2,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $995,440 | 4,727 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,610,000 | 6,458 |
| Total interest expense | $637,000 | 7,223 |
| Net interest income | $1,973,000 | 5,942 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $88,000 | 7,656 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $63,000 | 6,447 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,685 |
| Total noninterest expense | $1,236,000 | 6,668 |
| Salaries and employee benefits | $720,000 | 6,512 |
| Premises and equipment expense | $199,000 | 6,088 |
| Additional noninterest expense | $317,000 | 6,979 |
| Pre-tax net operating income | $825,000 | 5,171 |
| Securities gains (losses) | $-24,000 | 7,907 |
| Applicable income taxes | $31,000 | 5,736 |
| Income before extraordinary items | $770,000 | 4,789 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $770,000 | 4,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $946,000 | 2,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $793,040 | 4,713 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,637,000 | 6,593 |
| Total interest expense | $340,000 | 7,538 |
| Net interest income | $1,297,000 | 6,010 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $62,000 | 7,651 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $41,000 | 6,503 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,503 |
| Total noninterest expense | $813,000 | 6,725 |
| Salaries and employee benefits | $466,000 | 6,606 |
| Premises and equipment expense | $134,000 | 6,061 |
| Additional noninterest expense | $213,000 | 6,968 |
| Pre-tax net operating income | $546,000 | 5,221 |
| Securities gains (losses) | $-22,000 | 8,110 |
| Applicable income taxes | $19,000 | 5,826 |
| Income before extraordinary items | $505,000 | 4,851 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $505,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $611,000 | 2,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $526,120 | 4,744 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $816,000 | 6,587 |
| Total interest expense | $157,000 | 7,610 |
| Net interest income | $659,000 | 5,983 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $25,000 | 7,837 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $20,000 | 6,506 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $421,000 | 6,641 |
| Salaries and employee benefits | $245,000 | 6,513 |
| Premises and equipment expense | $69,000 | 5,991 |
| Additional noninterest expense | $107,000 | 6,942 |
| Pre-tax net operating income | $263,000 | 5,266 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $8,000 | 5,862 |
| Income before extraordinary items | $255,000 | 4,814 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $255,000 | 4,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $255,000 | 4,793 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,263,000 | 6,384 |
| Total interest expense | $559,000 | 7,448 |
| Net interest income | $2,704,000 | 5,827 |
| Provision for loan and lease losses | $25,000 | 6,321 |
| Total noninterest income | $139,000 | 7,586 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $93,000 | 6,387 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $46,000 | 7,467 |
| Total noninterest expense | $1,610,000 | 6,706 |
| Salaries and employee benefits | $944,000 | 6,518 |
| Premises and equipment expense | $242,000 | 6,299 |
| Additional noninterest expense | $424,000 | 6,969 |
| Pre-tax net operating income | $1,208,000 | 4,889 |
| Securities gains (losses) | $-58,000 | 8,240 |
| Applicable income taxes | $50,000 | 5,861 |
| Income before extraordinary items | $1,100,000 | 4,560 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,100,000 | 4,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,723 |
| Cash dividends | $744,000 | 2,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,155,680 | 4,401 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,396,000 | 6,429 |
| Total interest expense | $397,000 | 7,490 |
| Net interest income | $1,999,000 | 5,891 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $101,000 | 7,670 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $70,000 | 6,430 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,617 |
| Total noninterest expense | $1,246,000 | 6,631 |
| Salaries and employee benefits | $697,000 | 6,551 |
| Premises and equipment expense | $215,000 | 5,855 |
| Additional noninterest expense | $334,000 | 6,846 |
| Pre-tax net operating income | $854,000 | 5,160 |
| Securities gains (losses) | $-47,000 | 8,458 |
| Applicable income taxes | $36,000 | 5,989 |
| Income before extraordinary items | $771,000 | 4,851 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $771,000 | 4,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,957 |
| Cash dividends | $744,000 | 2,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $816,120 | 4,666 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,525,000 | 6,525 |
| Total interest expense | $228,000 | 7,650 |
| Net interest income | $1,297,000 | 5,957 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $66,000 | 7,670 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $45,000 | 6,448 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $21,000 | 7,597 |
| Total noninterest expense | $829,000 | 6,649 |
| Salaries and employee benefits | $465,000 | 6,551 |
| Premises and equipment expense | $142,000 | 5,866 |
| Additional noninterest expense | $222,000 | 6,849 |
| Pre-tax net operating income | $534,000 | 5,305 |
| Securities gains (losses) | $-48,000 | 8,584 |
| Applicable income taxes | $22,000 | 6,048 |
| Income before extraordinary items | $464,000 | 5,064 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $464,000 | 5,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,194 |
| Cash dividends | $589,000 | 1,989 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $509,600 | 4,797 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $738,000 | 6,614 |
| Total interest expense | $106,000 | 7,755 |
| Net interest income | $632,000 | 6,066 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $25,000 | 7,991 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $21,000 | 6,536 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $417,000 | 6,672 |
| Salaries and employee benefits | $234,000 | 6,566 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $240,000 | 5,542 |
| Securities gains (losses) | $-42,000 | 8,759 |
| Applicable income taxes | $9,000 | 6,134 |
| Income before extraordinary items | $189,000 | 5,565 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $189,000 | 5,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $228,900 | 5,067 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,755,000 | 6,656 |
| Total interest expense | $421,000 | 7,605 |
| Net interest income | $2,334,000 | 6,205 |
| Provision for loan and lease losses | $55,000 | 5,837 |
| Total noninterest income | $145,000 | 7,658 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $102,000 | 6,451 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $43,000 | 7,588 |
| Total noninterest expense | $1,564,000 | 6,771 |
| Salaries and employee benefits | $889,000 | 6,640 |
| Premises and equipment expense | $263,000 | 6,056 |
| Additional noninterest expense | $412,000 | 7,051 |
| Pre-tax net operating income | $860,000 | 5,620 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $35,000 | 6,251 |
| Income before extraordinary items | $826,000 | 5,188 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $826,000 | 5,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,043 |
| Cash dividends | $469,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $825,040 | 5,120 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,993,000 | 6,762 |
| Total interest expense | $317,000 | 7,622 |
| Net interest income | $1,676,000 | 6,333 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $104,000 | 7,741 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $79,000 | 6,439 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $25,000 | 7,883 |
| Total noninterest expense | $1,167,000 | 6,751 |
| Salaries and employee benefits | $654,000 | 6,674 |
| Premises and equipment expense | $202,000 | 5,949 |
| Additional noninterest expense | $311,000 | 7,004 |
| Pre-tax net operating income | $568,000 | 6,026 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $22,000 | 6,467 |
| Income before extraordinary items | $545,000 | 5,603 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $545,000 | 5,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,309 |
| Cash dividends | $469,000 | 2,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $545,960 | 5,532 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 6,939 |
| Total interest expense | $202,000 | 7,748 |
| Net interest income | $1,046,000 | 6,539 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $71,000 | 7,766 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $50,000 | 6,543 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $21,000 | 7,686 |
| Total noninterest expense | $781,000 | 6,785 |
| Salaries and employee benefits | $442,000 | 6,673 |
| Premises and equipment expense | $135,000 | 5,977 |
| Additional noninterest expense | $204,000 | 7,084 |
| Pre-tax net operating income | $306,000 | 6,463 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $8,000 | 6,728 |
| Income before extraordinary items | $301,000 | 6,033 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $301,000 | 6,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $316,000 | 2,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $298,090 | 5,972 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $617,000 | 7,002 |
| Total interest expense | $105,000 | 7,759 |
| Net interest income | $512,000 | 6,625 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $28,000 | 8,048 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $24,000 | 6,539 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $397,000 | 6,785 |
| Salaries and employee benefits | $222,000 | 6,692 |
| Premises and equipment expense | $67,000 | 6,015 |
| Additional noninterest expense | $108,000 | 6,955 |
| Pre-tax net operating income | $128,000 | 6,754 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $4,000 | 6,676 |
| Income before extraordinary items | $127,000 | 6,391 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $127,000 | 6,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $267,000 | 1,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $124,090 | 6,320 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,513,000 | 7,021 |
| Total interest expense | $476,000 | 7,823 |
| Net interest income | $2,037,000 | 6,545 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $137,000 | 7,938 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $104,000 | 6,497 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $33,000 | 8,018 |
| Total noninterest expense | $1,497,000 | 6,890 |
| Salaries and employee benefits | $862,000 | 6,707 |
| Premises and equipment expense | $248,000 | 6,199 |
| Additional noninterest expense | $387,000 | 7,239 |
| Pre-tax net operating income | $677,000 | 6,084 |
| Securities gains (losses) | $19,000 | 3,246 |
| Applicable income taxes | $46,000 | 6,343 |
| Income before extraordinary items | $650,000 | 5,765 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $650,000 | 5,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,260 |
| Cash dividends | $502,000 | 3,497 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $632,330 | 5,667 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,866,000 | 7,141 |
| Total interest expense | $369,000 | 7,918 |
| Net interest income | $1,497,000 | 6,645 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $101,000 | 8,008 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $77,000 | 6,567 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $24,000 | 8,092 |
| Total noninterest expense | $1,201,000 | 6,702 |
| Salaries and employee benefits | $688,000 | 6,519 |
| Premises and equipment expense | $206,000 | 5,924 |
| Additional noninterest expense | $307,000 | 7,076 |
| Pre-tax net operating income | $397,000 | 6,723 |
| Securities gains (losses) | $17,000 | 3,051 |
| Applicable income taxes | $31,000 | 6,549 |
| Income before extraordinary items | $383,000 | 6,449 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $383,000 | 6,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $502,000 | 2,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $367,190 | 6,386 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,224,000 | 7,237 |
| Total interest expense | $253,000 | 7,987 |
| Net interest income | $971,000 | 6,726 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $70,000 | 7,961 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $50,000 | 6,585 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $20,000 | 7,844 |
| Total noninterest expense | $825,000 | 6,610 |
| Salaries and employee benefits | $483,000 | 6,384 |
| Premises and equipment expense | $134,000 | 5,977 |
| Additional noninterest expense | $208,000 | 7,038 |
| Pre-tax net operating income | $216,000 | 7,078 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $18,000 | 6,667 |
| Income before extraordinary items | $209,000 | 6,891 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $209,000 | 6,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $502,000 | 2,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $198,880 | 6,786 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $600,000 | 7,317 |
| Total interest expense | $130,000 | 8,040 |
| Net interest income | $470,000 | 6,825 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $29,000 | 8,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $25,000 | 6,543 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $418,000 | 6,580 |
| Salaries and employee benefits | $246,000 | 6,309 |
| Premises and equipment expense | $65,000 | 6,056 |
| Additional noninterest expense | $107,000 | 6,979 |
| Pre-tax net operating income | $81,000 | 7,505 |
| Securities gains (losses) | $4,000 | 2,461 |
| Applicable income taxes | $9,000 | 6,623 |
| Income before extraordinary items | $76,000 | 7,373 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $76,000 | 7,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $390,000 | 1,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $72,440 | 7,285 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,769,000 | 7,079 |
| Total interest expense | $674,000 | 7,885 |
| Net interest income | $2,095,000 | 6,478 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $84,000 | 8,598 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $88,000 | 6,791 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-4,000 | 9,280 |
| Total noninterest expense | $1,584,000 | 6,689 |
| Salaries and employee benefits | $924,000 | 6,427 |
| Premises and equipment expense | $256,000 | 6,059 |
| Additional noninterest expense | $404,000 | 7,130 |
| Pre-tax net operating income | $595,000 | 6,438 |
| Securities gains (losses) | $105,000 | 1,705 |
| Applicable income taxes | $24,000 | 6,951 |
| Income before extraordinary items | $676,000 | 5,640 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $676,000 | 5,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,624 |
| Cash dividends | $523,000 | 3,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $574,150 | 5,937 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,024,000 | 7,233 |
| Total interest expense | $1,053,000 | 7,916 |
| Net interest income | $1,971,000 | 6,477 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $125,000 | 8,174 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $82,000 | 6,939 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $43,000 | 7,892 |
| Total noninterest expense | $1,500,000 | 6,798 |
| Salaries and employee benefits | $882,000 | 6,445 |
| Premises and equipment expense | $258,000 | 5,988 |
| Additional noninterest expense | $360,000 | 7,434 |
| Pre-tax net operating income | $566,000 | 6,303 |
| Securities gains (losses) | $114,000 | 1,646 |
| Applicable income taxes | $29,000 | 7,102 |
| Income before extraordinary items | $651,000 | 5,403 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $651,000 | 5,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,628 |
| Cash dividends | $550,000 | 3,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $541,560 | 5,763 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,467,000 | 6,964 |
| Total interest expense | $1,160,000 | 7,897 |
| Net interest income | $2,307,000 | 6,100 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $103,000 | 8,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,456 |
| Total noninterest expense | $1,511,000 | 6,724 |
| Salaries and employee benefits | $848,000 | 6,507 |
| Premises and equipment expense | $241,000 | 6,174 |
| Additional noninterest expense | $422,000 | 6,986 |
| Pre-tax net operating income | $899,000 | 5,551 |
| Securities gains (losses) | $-167,000 | 9,543 |
| Applicable income taxes | $35,000 | 7,503 |
| Income before extraordinary items | $697,000 | 5,436 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $697,000 | 5,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 9,146 |
| Cash dividends | $484,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $855,650 | 4,845 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,145,000 | 7,203 |
| Total interest expense | $985,000 | 8,212 |
| Net interest income | $2,160,000 | 6,358 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $113,000 | 8,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,882 |
| Total noninterest expense | $1,480,000 | 6,828 |
| Salaries and employee benefits | $884,000 | 6,384 |
| Premises and equipment expense | $261,000 | 5,901 |
| Additional noninterest expense | $335,000 | 7,830 |
| Pre-tax net operating income | $793,000 | 5,959 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $244,000 | 5,272 |
| Income before extraordinary items | $552,000 | 6,146 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $552,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $325,000 | 4,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $549,930 | 6,146 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,223,000 | 7,257 |
| Total interest expense | $1,032,000 | 8,333 |
| Net interest income | $2,191,000 | 6,307 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $130,000 | 8,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,010 |
| Total noninterest expense | $1,497,000 | 6,709 |
| Salaries and employee benefits | $899,000 | 6,213 |
| Premises and equipment expense | $274,000 | 5,648 |
| Additional noninterest expense | $324,000 | 7,900 |
| Pre-tax net operating income | $824,000 | 5,995 |
| Securities gains (losses) | $-16,000 | 10,254 |
| Applicable income taxes | $248,000 | 5,673 |
| Income before extraordinary items | $560,000 | 6,268 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $560,000 | 6,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 9,930 |
| Cash dividends | $350,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $571,040 | 6,092 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,066,000 | 7,678 |
| Total interest expense | $1,049,000 | 8,555 |
| Net interest income | $2,017,000 | 6,887 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $108,000 | 9,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 7,468 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,849 |
| Total noninterest expense | $1,469,000 | 6,869 |
| Salaries and employee benefits | $889,000 | 6,351 |
| Premises and equipment expense | $262,000 | 5,895 |
| Additional noninterest expense | $318,000 | 8,140 |
| Pre-tax net operating income | $656,000 | 7,180 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $211,000 | 6,739 |
| Income before extraordinary items | $444,000 | 7,351 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $444,000 | 7,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,336 |
| Cash dividends | $310,000 | 4,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $444,680 | 7,299 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,964,000 | 8,043 |
| Total interest expense | $1,041,000 | 8,877 |
| Net interest income | $1,923,000 | 7,311 |
| Provision for loan and lease losses | $45,000 | 6,812 |
| Total noninterest income | $107,000 | 9,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 7,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,300 |
| Total noninterest expense | $1,332,000 | 7,569 |
| Salaries and employee benefits | $853,000 | 6,694 |
| Premises and equipment expense | $193,000 | 7,149 |
| Additional noninterest expense | $286,000 | 9,027 |
| Pre-tax net operating income | $653,000 | 7,153 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $197,000 | 7,178 |
| Income before extraordinary items | $459,000 | 7,174 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $459,000 | 7,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,149 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $456,900 | 7,140 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 8,425 |
| Total interest expense | $1,011,000 | 9,214 |
| Net interest income | $1,845,000 | 7,659 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $103,000 | 10,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,173 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,008 |
| Total noninterest expense | $1,296,000 | 7,873 |
| Salaries and employee benefits | $834,000 | 6,925 |
| Premises and equipment expense | $165,000 | 7,915 |
| Additional noninterest expense | $297,000 | 9,269 |
| Pre-tax net operating income | $592,000 | 7,911 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $150,000 | 8,259 |
| Income before extraordinary items | $439,000 | 7,733 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $439,000 | 7,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,817 |
| Cash dividends | $230,000 | 5,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $441,250 | 7,687 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,668,000 | 8,618 |
| Total interest expense | $793,000 | 9,640 |
| Net interest income | $1,875,000 | 7,870 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $102,000 | 10,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $1,296,000 | 8,261 |
| Salaries and employee benefits | $803,000 | 7,201 |
| Premises and equipment expense | $165,000 | 8,185 |
| Additional noninterest expense | $328,000 | 9,619 |
| Pre-tax net operating income | $681,000 | 7,514 |
| Securities gains (losses) | $-34,000 | 10,758 |
| Applicable income taxes | $188,000 | 7,551 |
| Income before extraordinary items | $459,000 | 7,624 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $459,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,867 |
| Cash dividends | $235,000 | 5,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $483,140 | 7,484 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,534,000 | 9,121 |
| Total interest expense | $771,000 | 10,194 |
| Net interest income | $1,763,000 | 8,338 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $114,000 | 10,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $1,221,000 | 8,813 |
| Salaries and employee benefits | $747,000 | 7,660 |
| Premises and equipment expense | $172,000 | 8,328 |
| Additional noninterest expense | $302,000 | 10,426 |
| Pre-tax net operating income | $656,000 | 7,598 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $212,000 | 7,394 |
| Income before extraordinary items | $446,000 | 8,006 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $446,000 | 8,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 12,509 |
| Cash dividends | $220,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $444,640 | 7,753 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,652,000 | 9,623 |
| Total interest expense | $948,000 | 10,630 |
| Net interest income | $1,704,000 | 8,633 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $92,000 | 11,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 9,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 12,163 |
| Total noninterest expense | $1,157,000 | 9,249 |
| Salaries and employee benefits | $674,000 | 8,192 |
| Premises and equipment expense | $174,000 | 8,469 |
| Additional noninterest expense | $309,000 | 10,704 |
| Pre-tax net operating income | $639,000 | 7,457 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $221,000 | 7,164 |
| Income before extraordinary items | $420,000 | 8,021 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $420,000 | 8,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 13,003 |
| Cash dividends | $270,000 | 4,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $418,680 | 7,681 |
* 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.