Home > The Ohio State Bank > Income and Expense
The Ohio State Bank, Income and Expense
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 4,744 |
| Total interest expense | $456,000 | 3,664 |
| Net interest income | $2,236,000 | 4,871 |
| Provision for loan and lease losses | $-300,000 | 6,320 |
| Total noninterest income | $288,000 | 4,737 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $218,000 | 3,290 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $70,000 | 5,374 |
| Total noninterest expense | $2,853,000 | 3,962 |
| Salaries and employee benefits | $927,000 | 5,050 |
| Premises and equipment expense | $430,000 | 3,378 |
| Additional noninterest expense | $1,496,000 | 2,876 |
| Pre-tax net operating income | $-29,000 | 6,182 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $-29,000 | 6,195 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-29,000 | 6,194 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-29,000 | 6,195 |
| Net charge-offs | $180,000 | 2,114 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $-29,000 | 6,184 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,937,000 | 4,592 |
| Total interest expense | $319,000 | 3,579 |
| Net interest income | $1,618,000 | 4,708 |
| Provision for loan and lease losses | $-300,000 | 6,449 |
| Total noninterest income | $138,000 | 5,151 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $137,000 | 3,402 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $1,000 | 6,385 |
| Total noninterest expense | $1,943,000 | 3,943 |
| Salaries and employee benefits | $635,000 | 5,037 |
| Premises and equipment expense | $295,000 | 3,331 |
| Additional noninterest expense | $1,013,000 | 2,852 |
| Pre-tax net operating income | $113,000 | 5,723 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $113,000 | 5,686 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $113,000 | 5,688 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $113,000 | 5,688 |
| Net charge-offs | $139,000 | 1,911 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $113,000 | 5,645 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $832,000 | 4,974 |
| Total interest expense | $168,000 | 3,530 |
| Net interest income | $664,000 | 5,148 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $106,000 | 4,546 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $64,000 | 3,504 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $42,000 | 4,773 |
| Total noninterest expense | $973,000 | 3,966 |
| Salaries and employee benefits | $335,000 | 4,997 |
| Premises and equipment expense | $156,000 | 3,250 |
| Additional noninterest expense | $482,000 | 2,976 |
| Pre-tax net operating income | $-203,000 | 6,529 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-203,000 | 6,536 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-203,000 | 6,536 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-203,000 | 6,536 |
| Net charge-offs | $61,000 | 1,716 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-203,000 | 6,535 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $3,862,000 | 4,705 |
| Total interest expense | $731,000 | 3,645 |
| Net interest income | $3,131,000 | 4,835 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $369,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $349,000 | 3,095 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $20,000 | 6,223 |
| Total noninterest expense | $4,543,000 | 3,627 |
| Salaries and employee benefits | $1,670,000 | 4,497 |
| Premises and equipment expense | $624,000 | 3,220 |
| Additional noninterest expense | $2,249,000 | 2,725 |
| Pre-tax net operating income | $-1,043,000 | 6,573 |
| Securities gains (losses) | $159,000 | 1,032 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-884,000 | 6,568 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-884,000 | 6,569 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-884,000 | 6,569 |
| Net charge-offs | $196,000 | 3,036 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-1,043,000 | 6,580 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,960,000 | 4,705 |
| Total interest expense | $553,000 | 3,711 |
| Net interest income | $2,407,000 | 4,823 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $337,000 | 4,629 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $267,000 | 3,077 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $70,000 | 5,519 |
| Total noninterest expense | $3,565,000 | 3,545 |
| Salaries and employee benefits | $1,368,000 | 4,299 |
| Premises and equipment expense | $470,000 | 3,250 |
| Additional noninterest expense | $1,727,000 | 2,657 |
| Pre-tax net operating income | $-821,000 | 6,681 |
| Securities gains (losses) | $159,000 | 930 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-662,000 | 6,674 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-662,000 | 6,675 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-662,000 | 6,675 |
| Net charge-offs | $136,000 | 2,974 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-821,000 | 6,691 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,013,000 | 4,664 |
| Total interest expense | $370,000 | 3,760 |
| Net interest income | $1,643,000 | 4,788 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $312,000 | 4,148 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $170,000 | 3,151 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $142,000 | 4,285 |
| Total noninterest expense | $2,424,000 | 3,515 |
| Salaries and employee benefits | $947,000 | 4,245 |
| Premises and equipment expense | $319,000 | 3,227 |
| Additional noninterest expense | $1,158,000 | 2,622 |
| Pre-tax net operating income | $-469,000 | 6,674 |
| Securities gains (losses) | $136,000 | 936 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-333,000 | 6,664 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-333,000 | 6,665 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-333,000 | 6,665 |
| Net charge-offs | $38,000 | 3,570 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-469,000 | 6,688 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 4,639 |
| Total interest expense | $187,000 | 3,823 |
| Net interest income | $843,000 | 4,748 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $147,000 | 4,221 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $86,000 | 3,095 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $61,000 | 4,468 |
| Total noninterest expense | $1,198,000 | 3,562 |
| Salaries and employee benefits | $486,000 | 4,226 |
| Premises and equipment expense | $148,000 | 3,415 |
| Additional noninterest expense | $564,000 | 2,692 |
| Pre-tax net operating income | $-208,000 | 6,731 |
| Securities gains (losses) | $85,000 | 732 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-123,000 | 6,683 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-123,000 | 6,684 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-123,000 | 6,684 |
| Net charge-offs | $90,000 | 1,977 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-208,000 | 6,735 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $4,608,000 | 4,511 |
| Total interest expense | $855,000 | 3,968 |
| Net interest income | $3,753,000 | 4,573 |
| Provision for loan and lease losses | $75,000 | 4,908 |
| Total noninterest income | $562,000 | 4,281 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $337,000 | 3,265 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $225,000 | 4,438 |
| Total noninterest expense | $5,316,000 | 3,311 |
| Salaries and employee benefits | $2,070,000 | 4,054 |
| Premises and equipment expense | $644,000 | 3,214 |
| Additional noninterest expense | $2,602,000 | 2,475 |
| Pre-tax net operating income | $-1,076,000 | 6,684 |
| Securities gains (losses) | $97,000 | 2,295 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-979,000 | 6,716 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-979,000 | 6,711 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-979,000 | 6,712 |
| Net charge-offs | $563,000 | 2,495 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-1,076,000 | 6,698 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,515,000 | 4,540 |
| Total interest expense | $659,000 | 4,037 |
| Net interest income | $2,856,000 | 4,608 |
| Provision for loan and lease losses | $75,000 | 4,640 |
| Total noninterest income | $385,000 | 4,492 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $237,000 | 3,429 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $148,000 | 4,652 |
| Total noninterest expense | $4,059,000 | 3,301 |
| Salaries and employee benefits | $1,592,000 | 4,000 |
| Premises and equipment expense | $516,000 | 3,094 |
| Additional noninterest expense | $1,951,000 | 2,470 |
| Pre-tax net operating income | $-893,000 | 6,797 |
| Securities gains (losses) | $97,000 | 2,004 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-796,000 | 6,835 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-796,000 | 6,833 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-796,000 | 6,834 |
| Net charge-offs | $175,000 | 3,438 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-893,000 | 6,818 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,362,000 | 4,562 |
| Total interest expense | $451,000 | 4,069 |
| Net interest income | $1,911,000 | 4,624 |
| Provision for loan and lease losses | $75,000 | 4,155 |
| Total noninterest income | $181,000 | 5,033 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $150,000 | 3,518 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 5,863 |
| Total noninterest expense | $2,647,000 | 3,368 |
| Salaries and employee benefits | $1,061,000 | 4,029 |
| Premises and equipment expense | $354,000 | 3,031 |
| Additional noninterest expense | $1,232,000 | 2,618 |
| Pre-tax net operating income | $-630,000 | 6,863 |
| Securities gains (losses) | $97,000 | 1,623 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-533,000 | 6,880 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-533,000 | 6,880 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-533,000 | 6,881 |
| Net charge-offs | $92,000 | 3,493 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-630,000 | 6,879 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,198,000 | 4,574 |
| Total interest expense | $235,000 | 4,079 |
| Net interest income | $963,000 | 4,642 |
| Provision for loan and lease losses | $45,000 | 3,771 |
| Total noninterest income | $72,000 | 5,403 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $75,000 | 3,513 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-3,000 | 6,932 |
| Total noninterest expense | $1,223,000 | 3,579 |
| Salaries and employee benefits | $505,000 | 4,183 |
| Premises and equipment expense | $180,000 | 3,032 |
| Additional noninterest expense | $538,000 | 2,913 |
| Pre-tax net operating income | $-233,000 | 6,883 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-233,000 | 6,929 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-233,000 | 6,930 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-233,000 | 6,930 |
| Net charge-offs | $68,000 | 2,781 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-233,000 | 6,890 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $5,747,000 | 4,202 |
| Total interest expense | $958,000 | 4,498 |
| Net interest income | $4,789,000 | 4,016 |
| Provision for loan and lease losses | $2,440,000 | 1,362 |
| Total noninterest income | $156,000 | 6,010 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $361,000 | 3,228 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-205,000 | 6,961 |
| Total noninterest expense | $5,427,000 | 3,321 |
| Salaries and employee benefits | $2,319,000 | 3,771 |
| Premises and equipment expense | $708,000 | 3,184 |
| Additional noninterest expense | $2,400,000 | 2,669 |
| Pre-tax net operating income | $-2,922,000 | 6,907 |
| Securities gains (losses) | $-1,371,000 | 7,298 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-4,293,000 | 7,036 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,293,000 | 7,037 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,293,000 | 7,037 |
| Net charge-offs | $1,115,000 | 2,230 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-2,922,000 | 6,928 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,631,000 | 4,013 |
| Total interest expense | $705,000 | 4,660 |
| Net interest income | $3,926,000 | 3,811 |
| Provision for loan and lease losses | $926,000 | 2,054 |
| Total noninterest income | $464,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $296,000 | 3,068 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $168,000 | 4,361 |
| Total noninterest expense | $3,813,000 | 3,499 |
| Salaries and employee benefits | $1,733,000 | 3,786 |
| Premises and equipment expense | $544,000 | 3,151 |
| Additional noninterest expense | $1,536,000 | 3,087 |
| Pre-tax net operating income | $-349,000 | 6,510 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-349,000 | 6,609 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-349,000 | 6,611 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-349,000 | 6,611 |
| Net charge-offs | $444,000 | 2,798 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-349,000 | 6,557 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,123,000 | 4,025 |
| Total interest expense | $438,000 | 4,938 |
| Net interest income | $2,685,000 | 3,777 |
| Provision for loan and lease losses | $693,000 | 1,916 |
| Total noninterest income | $313,000 | 4,035 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $195,000 | 3,083 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 4,319 |
| Total noninterest expense | $2,550,000 | 3,526 |
| Salaries and employee benefits | $1,168,000 | 3,789 |
| Premises and equipment expense | $368,000 | 3,139 |
| Additional noninterest expense | $1,014,000 | 3,177 |
| Pre-tax net operating income | $-245,000 | 6,603 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-245,000 | 6,678 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-245,000 | 6,679 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-245,000 | 6,679 |
| Net charge-offs | $326,000 | 2,599 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-245,000 | 6,652 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,540,000 | 4,081 |
| Total interest expense | $172,000 | 5,568 |
| Net interest income | $1,368,000 | 3,709 |
| Provision for loan and lease losses | $356,000 | 1,767 |
| Total noninterest income | $137,000 | 4,345 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $93,000 | 3,131 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $44,000 | 4,863 |
| Total noninterest expense | $1,279,000 | 3,514 |
| Salaries and employee benefits | $601,000 | 3,721 |
| Premises and equipment expense | $194,000 | 3,063 |
| Additional noninterest expense | $484,000 | 3,277 |
| Pre-tax net operating income | $-130,000 | 6,735 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-130,000 | 6,782 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-130,000 | 6,781 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-130,000 | 6,782 |
| Net charge-offs | $140,000 | 2,416 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-130,000 | 6,773 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,897,000 | 4,872 |
| Total interest expense | $637,000 | 6,146 |
| Net interest income | $4,260,000 | 4,393 |
| Provision for loan and lease losses | $2,259,000 | 1,920 |
| Total noninterest income | $387,000 | 5,011 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $368,000 | 3,233 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $19,000 | 6,623 |
| Total noninterest expense | $3,882,000 | 4,280 |
| Salaries and employee benefits | $1,620,000 | 4,845 |
| Premises and equipment expense | $559,000 | 3,913 |
| Additional noninterest expense | $1,703,000 | 3,673 |
| Pre-tax net operating income | $-1,494,000 | 6,653 |
| Securities gains (losses) | $65,000 | 2,492 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-1,429,000 | 6,728 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,429,000 | 6,728 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,429,000 | 6,729 |
| Net charge-offs | $2,858,000 | 1,510 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,494,000 | 6,716 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,346,000 | 5,216 |
| Total interest expense | $472,000 | 6,314 |
| Net interest income | $2,874,000 | 4,766 |
| Provision for loan and lease losses | $772,000 | 2,904 |
| Total noninterest income | $253,000 | 5,313 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $261,000 | 3,424 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-8,000 | 7,219 |
| Total noninterest expense | $2,537,000 | 4,704 |
| Salaries and employee benefits | $1,058,000 | 5,267 |
| Premises and equipment expense | $381,000 | 4,200 |
| Additional noninterest expense | $1,098,000 | 4,047 |
| Pre-tax net operating income | $-182,000 | 6,271 |
| Securities gains (losses) | $65,000 | 2,273 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-117,000 | 6,334 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-117,000 | 6,334 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-117,000 | 6,334 |
| Net charge-offs | $860,000 | 2,374 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-182,000 | 6,328 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,604,000 | 6,053 |
| Total interest expense | $262,000 | 6,677 |
| Net interest income | $1,342,000 | 5,704 |
| Provision for loan and lease losses | $50,000 | 5,837 |
| Total noninterest income | $186,000 | 5,148 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $132,000 | 3,957 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $54,000 | 5,493 |
| Total noninterest expense | $1,198,000 | 5,671 |
| Salaries and employee benefits | $479,000 | 6,201 |
| Premises and equipment expense | $197,000 | 4,909 |
| Additional noninterest expense | $522,000 | 4,970 |
| Pre-tax net operating income | $280,000 | 4,512 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $280,000 | 4,431 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $280,000 | 4,431 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $280,000 | 4,431 |
| Net charge-offs | $111,000 | 4,133 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $280,000 | 4,280 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $0 | 7,933 |
| Total interest expense | $0 | 7,914 |
| Net interest income | $0 | 7,925 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $0 | 7,655 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $0 | 7,028 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $0 | 7,418 |
| Total noninterest expense | $0 | 7,933 |
| Salaries and employee benefits | $0 | 7,915 |
| Premises and equipment expense | $0 | 7,906 |
| Additional noninterest expense | $0 | 7,932 |
| Pre-tax net operating income | $0 | 6,250 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $0 | 6,390 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $0 | 6,392 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $0 | 6,391 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $0 | 6,281 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,567,000 | 4,357 |
| Total interest expense | $3,002,000 | 3,407 |
| Net interest income | $3,565,000 | 4,916 |
| Provision for loan and lease losses | $3,674,000 | 1,747 |
| Total noninterest income | $-234,000 | 7,834 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $596,000 | 2,550 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-830,000 | 7,855 |
| Total noninterest expense | $5,715,000 | 3,300 |
| Salaries and employee benefits | $2,134,000 | 4,159 |
| Premises and equipment expense | $786,000 | 3,167 |
| Additional noninterest expense | $2,795,000 | 2,503 |
| Pre-tax net operating income | $-6,058,000 | 7,276 |
| Securities gains (losses) | $-238,000 | 7,450 |
| Applicable income taxes | $-913,000 | 7,246 |
| Income before extraordinary items | $-5,383,000 | 7,297 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,383,000 | 7,297 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,383,000 | 7,297 |
| Net charge-offs | $2,148,000 | 1,949 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-5,180,700 | 7,299 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,122,000 | 4,301 |
| Total interest expense | $2,357,000 | 3,431 |
| Net interest income | $2,765,000 | 4,824 |
| Provision for loan and lease losses | $380,000 | 4,250 |
| Total noninterest income | $548,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $444,000 | 2,574 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $104,000 | 5,333 |
| Total noninterest expense | $4,457,000 | 3,212 |
| Salaries and employee benefits | $1,644,000 | 4,112 |
| Premises and equipment expense | $603,000 | 3,150 |
| Additional noninterest expense | $2,210,000 | 2,356 |
| Pre-tax net operating income | $-1,524,000 | 6,873 |
| Securities gains (losses) | $32,000 | 2,532 |
| Applicable income taxes | $-913,000 | 7,531 |
| Income before extraordinary items | $-579,000 | 6,489 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-579,000 | 6,490 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-579,000 | 6,489 |
| Net charge-offs | $1,213,000 | 1,991 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-599,480 | 6,491 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,461,000 | 4,296 |
| Total interest expense | $1,632,000 | 3,455 |
| Net interest income | $1,829,000 | 4,837 |
| Provision for loan and lease losses | $140,000 | 4,862 |
| Total noninterest income | $360,000 | 4,057 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $286,000 | 2,609 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $74,000 | 5,286 |
| Total noninterest expense | $2,760,000 | 3,445 |
| Salaries and employee benefits | $1,149,000 | 4,000 |
| Premises and equipment expense | $409,000 | 3,120 |
| Additional noninterest expense | $1,202,000 | 2,825 |
| Pre-tax net operating income | $-711,000 | 6,822 |
| Securities gains (losses) | $32,000 | 2,141 |
| Applicable income taxes | $-913,000 | 7,727 |
| Income before extraordinary items | $234,000 | 4,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $234,000 | 4,340 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $234,000 | 4,340 |
| Net charge-offs | $265,000 | 3,085 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $213,520 | 4,349 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 4,296 |
| Total interest expense | $823,000 | 3,545 |
| Net interest income | $932,000 | 4,779 |
| Provision for loan and lease losses | $83,000 | 4,188 |
| Total noninterest income | $192,000 | 3,896 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $138,000 | 2,632 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $54,000 | 4,691 |
| Total noninterest expense | $1,253,000 | 3,644 |
| Salaries and employee benefits | $587,000 | 3,980 |
| Premises and equipment expense | $221,000 | 2,999 |
| Additional noninterest expense | $445,000 | 3,297 |
| Pre-tax net operating income | $-212,000 | 6,912 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-913,000 | 7,981 |
| Income before extraordinary items | $701,000 | 1,549 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $701,000 | 1,551 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $701,000 | 1,551 |
| Net charge-offs | $2,000 | 5,430 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $701,000 | 1,471 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,058,000 | 4,113 |
| Total interest expense | $3,834,000 | 3,623 |
| Net interest income | $4,224,000 | 4,404 |
| Provision for loan and lease losses | $3,763,000 | 1,206 |
| Total noninterest income | $628,000 | 4,366 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $583,000 | 2,703 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $45,000 | 6,857 |
| Total noninterest expense | $5,544,000 | 3,296 |
| Salaries and employee benefits | $2,799,000 | 3,446 |
| Premises and equipment expense | $814,000 | 3,139 |
| Additional noninterest expense | $1,931,000 | 2,946 |
| Pre-tax net operating income | $-4,455,000 | 7,757 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $681,000 | 1,552 |
| Income before extraordinary items | $-5,136,000 | 7,821 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,136,000 | 7,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,918,000 | 1,021 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-5,136,000 | 7,871 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,110,000 | 4,154 |
| Total interest expense | $2,946,000 | 3,668 |
| Net interest income | $3,164,000 | 4,453 |
| Provision for loan and lease losses | $753,000 | 2,166 |
| Total noninterest income | $459,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $427,000 | 2,772 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $32,000 | 7,052 |
| Total noninterest expense | $4,027,000 | 3,366 |
| Salaries and employee benefits | $2,059,000 | 3,522 |
| Premises and equipment expense | $819,000 | 2,437 |
| Additional noninterest expense | $1,149,000 | 3,493 |
| Pre-tax net operating income | $-1,157,000 | 7,607 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-441,000 | 7,849 |
| Income before extraordinary items | $-716,000 | 7,348 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-716,000 | 7,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $991,000 | 1,311 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-716,000 | 7,473 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,079,000 | 4,190 |
| Total interest expense | $2,043,000 | 3,687 |
| Net interest income | $2,036,000 | 4,562 |
| Provision for loan and lease losses | $114,000 | 4,093 |
| Total noninterest income | $402,000 | 4,005 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $271,000 | 2,845 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $131,000 | 4,538 |
| Total noninterest expense | $2,665,000 | 3,393 |
| Salaries and employee benefits | $1,352,000 | 3,611 |
| Premises and equipment expense | $555,000 | 2,407 |
| Additional noninterest expense | $758,000 | 3,498 |
| Pre-tax net operating income | $-341,000 | 7,474 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-161,000 | 7,938 |
| Income before extraordinary items | $-180,000 | 7,376 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-180,000 | 7,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $575,000 | 1,203 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-180,000 | 7,359 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,072,000 | 4,215 |
| Total interest expense | $1,090,000 | 3,689 |
| Net interest income | $982,000 | 4,682 |
| Provision for loan and lease losses | $69,000 | 3,338 |
| Total noninterest income | $198,000 | 4,023 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $129,000 | 2,906 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $69,000 | 4,449 |
| Total noninterest expense | $1,340,000 | 3,391 |
| Salaries and employee benefits | $686,000 | 3,601 |
| Premises and equipment expense | $288,000 | 2,349 |
| Additional noninterest expense | $366,000 | 3,543 |
| Pre-tax net operating income | $-229,000 | 7,807 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-101,000 | 8,142 |
| Income before extraordinary items | $-128,000 | 7,717 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-128,000 | 7,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 2,201 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-128,000 | 7,678 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,844,000 | 4,086 |
| Total interest expense | $4,562,000 | 3,685 |
| Net interest income | $4,282,000 | 4,427 |
| Provision for loan and lease losses | $1,266,000 | 1,202 |
| Total noninterest income | $905,000 | 3,740 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $514,000 | 2,993 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $391,000 | 3,778 |
| Total noninterest expense | $4,849,000 | 3,533 |
| Salaries and employee benefits | $2,314,000 | 3,935 |
| Premises and equipment expense | $924,000 | 2,748 |
| Additional noninterest expense | $1,611,000 | 3,223 |
| Pre-tax net operating income | $-928,000 | 8,021 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-419,000 | 8,276 |
| Income before extraordinary items | $-509,000 | 7,888 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-509,000 | 7,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,590 |
| Cash dividends | $1,600,000 | 1,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-509,000 | 7,877 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,707,000 | 4,071 |
| Total interest expense | $3,470,000 | 3,665 |
| Net interest income | $3,237,000 | 4,433 |
| Provision for loan and lease losses | $143,000 | 3,556 |
| Total noninterest income | $604,000 | 4,015 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $407,000 | 2,862 |
| Trading account gains and fees | $16,000 | 162 |
| Additional Noninterest Income | $181,000 | 4,690 |
| Total noninterest expense | $3,506,000 | 3,616 |
| Salaries and employee benefits | $1,706,000 | 3,972 |
| Premises and equipment expense | $671,000 | 2,803 |
| Additional noninterest expense | $1,129,000 | 3,350 |
| Pre-tax net operating income | $192,000 | 6,996 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $14,000 | 5,621 |
| Income before extraordinary items | $178,000 | 6,918 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $178,000 | 6,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,293 |
| Cash dividends | $1,600,000 | 1,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $178,000 | 6,902 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,488,000 | 4,081 |
| Total interest expense | $2,305,000 | 3,679 |
| Net interest income | $2,183,000 | 4,431 |
| Provision for loan and lease losses | $84,000 | 3,624 |
| Total noninterest income | $411,000 | 3,976 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $267,000 | 2,890 |
| Trading account gains and fees | $14,000 | 154 |
| Additional Noninterest Income | $130,000 | 4,584 |
| Total noninterest expense | $2,398,000 | 3,567 |
| Salaries and employee benefits | $1,147,000 | 3,979 |
| Premises and equipment expense | $465,000 | 2,735 |
| Additional noninterest expense | $786,000 | 3,242 |
| Pre-tax net operating income | $112,000 | 7,176 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $10,000 | 5,665 |
| Income before extraordinary items | $102,000 | 7,107 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $102,000 | 7,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,089 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $102,000 | 7,095 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,251,000 | 4,073 |
| Total interest expense | $1,154,000 | 3,636 |
| Net interest income | $1,097,000 | 4,426 |
| Provision for loan and lease losses | $59,000 | 2,928 |
| Total noninterest income | $203,000 | 3,979 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $127,000 | 2,953 |
| Trading account gains and fees | $4,000 | 181 |
| Additional Noninterest Income | $72,000 | 4,403 |
| Total noninterest expense | $1,236,000 | 3,484 |
| Salaries and employee benefits | $578,000 | 3,988 |
| Premises and equipment expense | $238,000 | 2,705 |
| Additional noninterest expense | $420,000 | 3,044 |
| Pre-tax net operating income | $5,000 | 7,794 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $8,000 | 5,466 |
| Income before extraordinary items | $-3,000 | 7,882 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-3,000 | 7,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 1,682 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-3,000 | 7,869 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,591,000 | 4,007 |
| Total interest expense | $3,968,000 | 3,621 |
| Net interest income | $4,623,000 | 4,265 |
| Provision for loan and lease losses | $179,000 | 3,791 |
| Total noninterest income | $888,000 | 3,803 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $634,000 | 2,578 |
| Trading account gains and fees | $8,000 | 122 |
| Additional Noninterest Income | $246,000 | 4,687 |
| Total noninterest expense | $4,364,000 | 3,717 |
| Salaries and employee benefits | $2,208,000 | 3,970 |
| Premises and equipment expense | $909,000 | 2,694 |
| Additional noninterest expense | $1,247,000 | 3,825 |
| Pre-tax net operating income | $968,000 | 5,276 |
| Securities gains (losses) | $-6,000 | 7,127 |
| Applicable income taxes | $230,000 | 4,147 |
| Income before extraordinary items | $732,000 | 5,408 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $732,000 | 5,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,021 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $736,560 | 5,386 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,335,000 | 4,023 |
| Total interest expense | $2,833,000 | 3,644 |
| Net interest income | $3,502,000 | 4,252 |
| Provision for loan and lease losses | $127,000 | 3,738 |
| Total noninterest income | $660,000 | 3,832 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $476,000 | 2,585 |
| Trading account gains and fees | $1,000 | 123 |
| Additional Noninterest Income | $183,000 | 4,714 |
| Total noninterest expense | $3,282,000 | 3,709 |
| Salaries and employee benefits | $1,666,000 | 3,940 |
| Premises and equipment expense | $691,000 | 2,674 |
| Additional noninterest expense | $925,000 | 3,838 |
| Pre-tax net operating income | $753,000 | 5,350 |
| Securities gains (losses) | $-6,000 | 7,439 |
| Applicable income taxes | $174,000 | 4,323 |
| Income before extraordinary items | $573,000 | 5,470 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $573,000 | 5,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,768 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $577,620 | 5,449 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,175,000 | 4,003 |
| Total interest expense | $1,794,000 | 3,663 |
| Net interest income | $2,381,000 | 4,183 |
| Provision for loan and lease losses | $75,000 | 3,786 |
| Total noninterest income | $422,000 | 3,930 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $305,000 | 2,625 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $117,000 | 4,796 |
| Total noninterest expense | $2,214,000 | 3,682 |
| Salaries and employee benefits | $1,130,000 | 3,921 |
| Premises and equipment expense | $458,000 | 2,680 |
| Additional noninterest expense | $626,000 | 3,789 |
| Pre-tax net operating income | $514,000 | 5,346 |
| Securities gains (losses) | $-6,000 | 7,728 |
| Applicable income taxes | $112,000 | 4,385 |
| Income before extraordinary items | $396,000 | 5,415 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $396,000 | 5,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 1,520 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $400,680 | 5,396 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,071,000 | 3,976 |
| Total interest expense | $865,000 | 3,636 |
| Net interest income | $1,206,000 | 4,141 |
| Provision for loan and lease losses | $86,000 | 2,261 |
| Total noninterest income | $204,000 | 3,944 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $144,000 | 2,683 |
| Trading account gains and fees | $1,000 | 111 |
| Additional Noninterest Income | $59,000 | 4,794 |
| Total noninterest expense | $1,122,000 | 3,665 |
| Salaries and employee benefits | $579,000 | 3,862 |
| Premises and equipment expense | $233,000 | 2,641 |
| Additional noninterest expense | $310,000 | 3,805 |
| Pre-tax net operating income | $202,000 | 5,824 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $49,000 | 4,519 |
| Income before extraordinary items | $154,000 | 5,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $154,000 | 5,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 1,139 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $153,240 | 5,918 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,011,000 | 3,757 |
| Total interest expense | $3,020,000 | 3,312 |
| Net interest income | $4,991,000 | 3,953 |
| Provision for loan and lease losses | $386,000 | 2,333 |
| Total noninterest income | $935,000 | 3,721 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $672,000 | 2,423 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $263,000 | 4,618 |
| Total noninterest expense | $4,522,000 | 3,525 |
| Salaries and employee benefits | $2,268,000 | 3,769 |
| Premises and equipment expense | $836,000 | 2,783 |
| Additional noninterest expense | $1,418,000 | 3,373 |
| Pre-tax net operating income | $1,018,000 | 5,314 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $237,000 | 4,433 |
| Income before extraordinary items | $782,000 | 5,392 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $782,000 | 5,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 1,524 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $781,230 | 5,375 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,959,000 | 3,733 |
| Total interest expense | $2,191,000 | 3,258 |
| Net interest income | $3,768,000 | 3,931 |
| Provision for loan and lease losses | $295,000 | 2,231 |
| Total noninterest income | $666,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $508,000 | 2,413 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $158,000 | 5,100 |
| Total noninterest expense | $3,426,000 | 3,456 |
| Salaries and employee benefits | $1,714,000 | 3,722 |
| Premises and equipment expense | $620,000 | 2,792 |
| Additional noninterest expense | $1,092,000 | 3,284 |
| Pre-tax net operating income | $713,000 | 5,603 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $168,000 | 4,679 |
| Income before extraordinary items | $546,000 | 5,690 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $546,000 | 5,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 1,361 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $545,240 | 5,650 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,923,000 | 3,696 |
| Total interest expense | $1,390,000 | 3,241 |
| Net interest income | $2,533,000 | 3,881 |
| Provision for loan and lease losses | $168,000 | 2,458 |
| Total noninterest income | $426,000 | 3,896 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $320,000 | 2,491 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $106,000 | 5,067 |
| Total noninterest expense | $2,255,000 | 3,468 |
| Salaries and employee benefits | $1,132,000 | 3,730 |
| Premises and equipment expense | $409,000 | 2,785 |
| Additional noninterest expense | $714,000 | 3,316 |
| Pre-tax net operating income | $536,000 | 5,296 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $126,000 | 4,495 |
| Income before extraordinary items | $411,000 | 5,375 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $411,000 | 5,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 1,404 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $410,230 | 5,348 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,917,000 | 3,723 |
| Total interest expense | $658,000 | 3,270 |
| Net interest income | $1,259,000 | 3,905 |
| Provision for loan and lease losses | $64,000 | 2,777 |
| Total noninterest income | $191,000 | 4,090 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $142,000 | 2,673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $49,000 | 5,227 |
| Total noninterest expense | $1,177,000 | 3,362 |
| Salaries and employee benefits | $564,000 | 3,749 |
| Premises and equipment expense | $208,000 | 2,776 |
| Additional noninterest expense | $405,000 | 2,980 |
| Pre-tax net operating income | $209,000 | 5,868 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $50,000 | 4,748 |
| Income before extraordinary items | $159,000 | 5,975 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $159,000 | 5,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 1,591 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $159,000 | 5,935 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,660,000 | 3,953 |
| Total interest expense | $2,092,000 | 3,518 |
| Net interest income | $4,568,000 | 4,069 |
| Provision for loan and lease losses | $403,000 | 2,353 |
| Total noninterest income | $767,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $628,000 | 2,606 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $139,000 | 5,831 |
| Total noninterest expense | $3,953,000 | 3,787 |
| Salaries and employee benefits | $2,260,000 | 3,622 |
| Premises and equipment expense | $657,000 | 3,293 |
| Additional noninterest expense | $1,036,000 | 4,214 |
| Pre-tax net operating income | $979,000 | 5,288 |
| Securities gains (losses) | $32,000 | 2,072 |
| Applicable income taxes | $222,000 | 4,620 |
| Income before extraordinary items | $789,000 | 5,294 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $789,000 | 5,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 2,065 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $764,040 | 5,292 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,897,000 | 3,993 |
| Total interest expense | $1,541,000 | 3,532 |
| Net interest income | $3,356,000 | 4,130 |
| Provision for loan and lease losses | $315,000 | 2,173 |
| Total noninterest income | $585,000 | 4,145 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $477,000 | 2,608 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $108,000 | 5,779 |
| Total noninterest expense | $2,884,000 | 3,837 |
| Salaries and employee benefits | $1,640,000 | 3,697 |
| Premises and equipment expense | $484,000 | 3,340 |
| Additional noninterest expense | $760,000 | 4,242 |
| Pre-tax net operating income | $742,000 | 5,374 |
| Securities gains (losses) | $32,000 | 1,992 |
| Applicable income taxes | $167,000 | 4,709 |
| Income before extraordinary items | $607,000 | 5,331 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $607,000 | 5,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,863 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $582,040 | 5,361 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,219,000 | 4,040 |
| Total interest expense | $1,022,000 | 3,538 |
| Net interest income | $2,197,000 | 4,190 |
| Provision for loan and lease losses | $198,000 | 2,237 |
| Total noninterest income | $383,000 | 4,195 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $307,000 | 2,662 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $76,000 | 5,692 |
| Total noninterest expense | $1,931,000 | 3,847 |
| Salaries and employee benefits | $1,084,000 | 3,740 |
| Premises and equipment expense | $325,000 | 3,329 |
| Additional noninterest expense | $522,000 | 4,178 |
| Pre-tax net operating income | $451,000 | 5,565 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $105,000 | 4,774 |
| Income before extraordinary items | $359,000 | 5,603 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $359,000 | 5,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 1,817 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $348,990 | 5,603 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,594,000 | 4,081 |
| Total interest expense | $510,000 | 3,582 |
| Net interest income | $1,084,000 | 4,226 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $179,000 | 4,333 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $143,000 | 2,776 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $36,000 | 5,773 |
| Total noninterest expense | $968,000 | 3,856 |
| Salaries and employee benefits | $547,000 | 3,740 |
| Premises and equipment expense | $161,000 | 3,395 |
| Additional noninterest expense | $260,000 | 4,185 |
| Pre-tax net operating income | $205,000 | 5,768 |
| Securities gains (losses) | $13,000 | 1,918 |
| Applicable income taxes | $51,000 | 4,825 |
| Income before extraordinary items | $167,000 | 5,759 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $167,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 1,639 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $156,990 | 5,789 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,201,000 | 4,212 |
| Total interest expense | $2,137,000 | 3,813 |
| Net interest income | $4,064,000 | 4,314 |
| Provision for loan and lease losses | $412,000 | 2,534 |
| Total noninterest income | $716,000 | 4,495 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $583,000 | 2,760 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $133,000 | 6,043 |
| Total noninterest expense | $3,198,000 | 4,411 |
| Salaries and employee benefits | $1,613,000 | 4,611 |
| Premises and equipment expense | $579,000 | 3,631 |
| Additional noninterest expense | $1,006,000 | 4,260 |
| Pre-tax net operating income | $1,170,000 | 4,760 |
| Securities gains (losses) | $116,000 | 1,758 |
| Applicable income taxes | $322,000 | 4,172 |
| Income before extraordinary items | $964,000 | 4,744 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $964,000 | 4,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 1,996 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $877,000 | 4,841 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,608,000 | 4,291 |
| Total interest expense | $1,620,000 | 3,909 |
| Net interest income | $2,988,000 | 4,395 |
| Provision for loan and lease losses | $312,000 | 2,449 |
| Total noninterest income | $543,000 | 4,502 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $439,000 | 2,753 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $104,000 | 6,001 |
| Total noninterest expense | $2,386,000 | 4,416 |
| Salaries and employee benefits | $1,195,000 | 4,634 |
| Premises and equipment expense | $429,000 | 3,657 |
| Additional noninterest expense | $762,000 | 4,206 |
| Pre-tax net operating income | $833,000 | 5,017 |
| Securities gains (losses) | $95,000 | 1,798 |
| Applicable income taxes | $219,000 | 4,507 |
| Income before extraordinary items | $709,000 | 4,966 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $709,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 1,817 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $636,800 | 5,066 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,081,000 | 4,316 |
| Total interest expense | $1,102,000 | 3,947 |
| Net interest income | $1,979,000 | 4,428 |
| Provision for loan and lease losses | $207,000 | 2,464 |
| Total noninterest income | $360,000 | 4,509 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $284,000 | 2,770 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $76,000 | 5,812 |
| Total noninterest expense | $1,568,000 | 4,440 |
| Salaries and employee benefits | $771,000 | 4,746 |
| Premises and equipment expense | $282,000 | 3,674 |
| Additional noninterest expense | $515,000 | 4,147 |
| Pre-tax net operating income | $564,000 | 5,010 |
| Securities gains (losses) | $75,000 | 1,736 |
| Applicable income taxes | $145,000 | 4,551 |
| Income before extraordinary items | $494,000 | 4,835 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $494,000 | 4,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 2,066 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $436,250 | 4,972 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,544,000 | 4,338 |
| Total interest expense | $559,000 | 3,988 |
| Net interest income | $985,000 | 4,451 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $177,000 | 4,456 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $134,000 | 2,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 5,547 |
| Total noninterest expense | $769,000 | 4,489 |
| Salaries and employee benefits | $380,000 | 4,800 |
| Premises and equipment expense | $138,000 | 3,737 |
| Additional noninterest expense | $251,000 | 4,205 |
| Pre-tax net operating income | $288,000 | 4,894 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $60,000 | 4,823 |
| Income before extraordinary items | $228,000 | 4,973 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $228,000 | 4,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,904 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $228,000 | 4,772 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,370,000 | 4,381 |
| Total interest expense | $2,316,000 | 4,346 |
| Net interest income | $4,054,000 | 4,308 |
| Provision for loan and lease losses | $435,000 | 2,656 |
| Total noninterest income | $702,000 | 4,325 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $576,000 | 2,643 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $126,000 | 5,962 |
| Total noninterest expense | $2,870,000 | 4,604 |
| Salaries and employee benefits | $1,390,000 | 4,961 |
| Premises and equipment expense | $517,000 | 3,843 |
| Additional noninterest expense | $963,000 | 4,302 |
| Pre-tax net operating income | $1,451,000 | 4,205 |
| Securities gains (losses) | $76,000 | 2,019 |
| Applicable income taxes | $439,000 | 3,711 |
| Income before extraordinary items | $1,088,000 | 4,355 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,088,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 2,108 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,034,040 | 4,387 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,148,000 | 4,872 |
| Total interest expense | $2,929,000 | 4,822 |
| Net interest income | $3,219,000 | 4,824 |
| Provision for loan and lease losses | $337,000 | 2,979 |
| Total noninterest income | $590,000 | 4,625 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $467,000 | 3,001 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $123,000 | 5,948 |
| Total noninterest expense | $2,561,000 | 4,879 |
| Salaries and employee benefits | $1,211,000 | 5,288 |
| Premises and equipment expense | $495,000 | 3,905 |
| Additional noninterest expense | $855,000 | 4,578 |
| Pre-tax net operating income | $911,000 | 5,162 |
| Securities gains (losses) | $16,000 | 3,318 |
| Applicable income taxes | $258,000 | 4,567 |
| Income before extraordinary items | $669,000 | 5,338 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $669,000 | 5,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,613 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $657,480 | 5,256 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,679,000 | 5,281 |
| Total interest expense | $2,661,000 | 5,345 |
| Net interest income | $3,018,000 | 5,141 |
| Provision for loan and lease losses | $365,000 | 2,455 |
| Total noninterest income | $255,000 | 6,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 5,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 6,938 |
| Total noninterest expense | $2,491,000 | 4,866 |
| Salaries and employee benefits | $1,087,000 | 5,601 |
| Premises and equipment expense | $421,000 | 4,343 |
| Additional noninterest expense | $983,000 | 4,044 |
| Pre-tax net operating income | $417,000 | 7,379 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $87,000 | 6,691 |
| Income before extraordinary items | $332,000 | 7,275 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $332,000 | 7,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 1,993 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $330,420 | 7,285 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,131,000 | 5,476 |
| Total interest expense | $2,252,000 | 5,561 |
| Net interest income | $2,879,000 | 5,322 |
| Provision for loan and lease losses | $447,000 | 1,935 |
| Total noninterest income | $246,000 | 6,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 5,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,202 |
| Total noninterest expense | $2,086,000 | 5,526 |
| Salaries and employee benefits | $995,000 | 5,903 |
| Premises and equipment expense | $344,000 | 5,024 |
| Additional noninterest expense | $747,000 | 5,028 |
| Pre-tax net operating income | $592,000 | 6,742 |
| Securities gains (losses) | $13,000 | 1,614 |
| Applicable income taxes | $146,000 | 6,331 |
| Income before extraordinary items | $459,000 | 6,647 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $459,000 | 6,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 1,817 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $449,120 | 6,684 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,229,000 | 6,280 |
| Total interest expense | $1,892,000 | 6,363 |
| Net interest income | $2,337,000 | 6,082 |
| Provision for loan and lease losses | $230,000 | 3,213 |
| Total noninterest income | $257,000 | 6,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 5,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 6,546 |
| Total noninterest expense | $1,755,000 | 6,111 |
| Salaries and employee benefits | $798,000 | 6,695 |
| Premises and equipment expense | $333,000 | 5,056 |
| Additional noninterest expense | $624,000 | 5,601 |
| Pre-tax net operating income | $609,000 | 6,864 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $175,000 | 6,496 |
| Income before extraordinary items | $434,000 | 7,014 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $434,000 | 7,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,612 |
| Cash dividends | $62,000 | 6,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $434,000 | 6,916 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,690,000 | 6,959 |
| Total interest expense | $1,645,000 | 7,014 |
| Net interest income | $2,045,000 | 6,827 |
| Provision for loan and lease losses | $139,000 | 4,319 |
| Total noninterest income | $201,000 | 7,827 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,985 |
| Total noninterest expense | $1,620,000 | 6,489 |
| Salaries and employee benefits | $710,000 | 7,264 |
| Premises and equipment expense | $326,000 | 5,156 |
| Additional noninterest expense | $584,000 | 5,909 |
| Pre-tax net operating income | $487,000 | 7,990 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $131,000 | 7,903 |
| Income before extraordinary items | $356,000 | 7,948 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $356,000 | 7,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,640 |
| Cash dividends | $52,000 | 7,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $356,000 | 7,890 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,312,000 | 7,591 |
| Total interest expense | $1,540,000 | 7,466 |
| Net interest income | $1,772,000 | 7,617 |
| Provision for loan and lease losses | $163,000 | 3,895 |
| Total noninterest income | $208,000 | 8,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 6,733 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,006 |
| Total noninterest expense | $1,455,000 | 7,241 |
| Salaries and employee benefits | $681,000 | 7,644 |
| Premises and equipment expense | $244,000 | 6,338 |
| Additional noninterest expense | $530,000 | 6,838 |
| Pre-tax net operating income | $362,000 | 8,738 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $101,000 | 8,731 |
| Income before extraordinary items | $268,000 | 8,679 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $268,000 | 8,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,379 |
| Cash dividends | $107,000 | 6,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $262,890 | 8,666 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,111,000 | 8,053 |
| Total interest expense | $1,339,000 | 8,153 |
| Net interest income | $1,772,000 | 7,844 |
| Provision for loan and lease losses | $82,000 | 5,048 |
| Total noninterest income | $247,000 | 7,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 6,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 7,422 |
| Total noninterest expense | $1,513,000 | 7,227 |
| Salaries and employee benefits | $655,000 | 8,024 |
| Premises and equipment expense | $209,000 | 7,021 |
| Additional noninterest expense | $649,000 | 6,209 |
| Pre-tax net operating income | $424,000 | 8,910 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $55,000 | 10,091 |
| Income before extraordinary items | $373,000 | 8,293 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $373,000 | 8,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,894 |
| Cash dividends | $36,000 | 8,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $369,520 | 8,307 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 9,140 |
| Total interest expense | $818,000 | 9,505 |
| Net interest income | $1,547,000 | 8,745 |
| Provision for loan and lease losses | $56,000 | 5,901 |
| Total noninterest income | $217,000 | 8,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 9,362 |
| Total noninterest expense | $1,435,000 | 7,808 |
| Salaries and employee benefits | $585,000 | 8,721 |
| Premises and equipment expense | $241,000 | 6,664 |
| Additional noninterest expense | $609,000 | 6,968 |
| Pre-tax net operating income | $273,000 | 10,316 |
| Securities gains (losses) | $52,000 | 1,128 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $325,000 | 8,874 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $325,000 | 8,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,406 |
| Cash dividends | $24,000 | 8,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $273,000 | 9,508 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,221,000 | 9,741 |
| Total interest expense | $768,000 | 10,217 |
| Net interest income | $1,453,000 | 9,264 |
| Provision for loan and lease losses | $158,000 | 4,517 |
| Total noninterest income | $237,000 | 8,590 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 6,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,038 |
| Total noninterest expense | $1,335,000 | 8,389 |
| Salaries and employee benefits | $516,000 | 9,513 |
| Premises and equipment expense | $213,000 | 7,430 |
| Additional noninterest expense | $606,000 | 7,276 |
| Pre-tax net operating income | $197,000 | 11,071 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $214,000 | 10,485 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $214,000 | 10,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 6,565 |
| Cash dividends | $12,000 | 8,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $197,000 | 10,462 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,229,000 | 10,414 |
| Total interest expense | $929,000 | 10,722 |
| Net interest income | $1,300,000 | 9,982 |
| Provision for loan and lease losses | $83,000 | 7,797 |
| Total noninterest income | $196,000 | 9,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 11,401 |
| Total noninterest expense | $1,299,000 | 8,666 |
| Salaries and employee benefits | $487,000 | 9,901 |
| Premises and equipment expense | $259,000 | 6,615 |
| Additional noninterest expense | $553,000 | 7,954 |
| Pre-tax net operating income | $114,000 | 11,876 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $28,000 | 11,867 |
| Income before extraordinary items | $86,000 | 12,138 |
| Extraordinary gains, net | $28,000 | 1,147 |
| Net income | $114,000 | 11,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 6,938 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 871 |
| Net operating income | $86,000 | 11,838 |
* 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.