Home > The Park Avenue Bank > Income and Expense
The Park Avenue Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $30,565,000 | 1,116 |
| Total interest expense | $15,182,000 | 758 |
| Net interest income | $15,383,000 | 1,452 |
| Provision for loan and lease losses | $19,277,000 | 511 |
| Total noninterest income | $3,839,000 | 1,341 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,397,000 | 493 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $442,000 | 3,400 |
| Total noninterest expense | $20,134,000 | 1,039 |
| Salaries and employee benefits | $6,485,000 | 1,539 |
| Premises and equipment expense | $3,734,000 | 717 |
| Additional noninterest expense | $9,915,000 | 805 |
| Pre-tax net operating income | $-20,189,000 | 7,716 |
| Securities gains (losses) | $302,000 | 1,235 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-19,887,000 | 7,737 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-19,887,000 | 7,735 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-19,887,000 | 7,735 |
| Net charge-offs | $7,631,000 | 837 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 1,123 |
| Net operating income | $-20,189,000 | 7,742 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $23,495,000 | 1,117 |
| Total interest expense | $11,857,000 | 773 |
| Net interest income | $11,638,000 | 1,433 |
| Provision for loan and lease losses | $7,095,000 | 811 |
| Total noninterest income | $2,806,000 | 1,393 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,550,000 | 495 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $256,000 | 3,865 |
| Total noninterest expense | $13,553,000 | 1,138 |
| Salaries and employee benefits | $5,005,000 | 1,518 |
| Premises and equipment expense | $2,745,000 | 747 |
| Additional noninterest expense | $5,803,000 | 973 |
| Pre-tax net operating income | $-6,204,000 | 7,574 |
| Securities gains (losses) | $-75,000 | 7,434 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-6,279,000 | 7,661 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,279,000 | 7,661 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,279,000 | 7,661 |
| Net charge-offs | $5,616,000 | 748 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 1,045 |
| Net operating income | $-6,204,000 | 7,671 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $15,286,000 | 1,166 |
| Total interest expense | $8,075,000 | 804 |
| Net interest income | $7,211,000 | 1,554 |
| Provision for loan and lease losses | $3,350,000 | 1,010 |
| Total noninterest income | $1,975,000 | 1,342 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,608,000 | 512 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $367,000 | 2,674 |
| Total noninterest expense | $8,328,000 | 1,254 |
| Salaries and employee benefits | $3,310,000 | 1,556 |
| Premises and equipment expense | $1,722,000 | 812 |
| Additional noninterest expense | $3,296,000 | 1,164 |
| Pre-tax net operating income | $-2,492,000 | 7,497 |
| Securities gains (losses) | $27,000 | 2,212 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-2,465,000 | 7,567 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,465,000 | 7,566 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,465,000 | 7,566 |
| Net charge-offs | $3,170,000 | 827 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,021 |
| Net operating income | $-2,492,000 | 7,584 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,800,000 | 1,162 |
| Total interest expense | $4,178,000 | 801 |
| Net interest income | $3,622,000 | 1,538 |
| Provision for loan and lease losses | $400,000 | 1,987 |
| Total noninterest income | $1,104,000 | 1,179 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $848,000 | 476 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $256,000 | 2,172 |
| Total noninterest expense | $4,323,000 | 1,161 |
| Salaries and employee benefits | $1,964,000 | 1,314 |
| Premises and equipment expense | $855,000 | 831 |
| Additional noninterest expense | $1,504,000 | 1,114 |
| Pre-tax net operating income | $3,000 | 6,196 |
| Securities gains (losses) | $16,000 | 1,773 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $19,000 | 6,171 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $19,000 | 6,173 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $19,000 | 6,173 |
| Net charge-offs | $953,000 | 976 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 897 |
| Net operating income | $3,000 | 6,218 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $30,922,000 | 1,241 |
| Total interest expense | $16,145,000 | 996 |
| Net interest income | $14,777,000 | 1,513 |
| Provision for loan and lease losses | $3,512,000 | 1,261 |
| Total noninterest income | $2,649,000 | 1,738 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,361,000 | 732 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $288,000 | 4,176 |
| Total noninterest expense | $15,347,000 | 1,275 |
| Salaries and employee benefits | $6,614,000 | 1,566 |
| Premises and equipment expense | $3,367,000 | 821 |
| Additional noninterest expense | $5,366,000 | 1,194 |
| Pre-tax net operating income | $-1,433,000 | 7,192 |
| Securities gains (losses) | $-4,256,000 | 8,057 |
| Applicable income taxes | $858,000 | 1,336 |
| Income before extraordinary items | $-6,547,000 | 7,894 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,547,000 | 7,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,683,000 | 1,452 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $6,615,000 | 205 |
| Net operating income | $-2,291,000 | 7,550 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,817,000 | 1,296 |
| Total interest expense | $11,823,000 | 1,066 |
| Net interest income | $10,994,000 | 1,542 |
| Provision for loan and lease losses | $945,000 | 1,890 |
| Total noninterest income | $1,788,000 | 1,935 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,545,000 | 855 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $243,000 | 4,076 |
| Total noninterest expense | $10,613,000 | 1,356 |
| Salaries and employee benefits | $4,628,000 | 1,680 |
| Premises and equipment expense | $2,487,000 | 834 |
| Additional noninterest expense | $3,498,000 | 1,303 |
| Pre-tax net operating income | $1,224,000 | 3,284 |
| Securities gains (losses) | $-2,371,000 | 8,092 |
| Applicable income taxes | $424,000 | 2,091 |
| Income before extraordinary items | $-1,571,000 | 7,731 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,571,000 | 7,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $813,000 | 1,474 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 898 |
| Net operating income | $800,000 | 3,704 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,004,000 | 1,330 |
| Total interest expense | $7,739,000 | 1,131 |
| Net interest income | $7,265,000 | 1,543 |
| Provision for loan and lease losses | $595,000 | 1,715 |
| Total noninterest income | $1,055,000 | 2,152 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $886,000 | 1,002 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $169,000 | 4,096 |
| Total noninterest expense | $6,845,000 | 1,402 |
| Salaries and employee benefits | $3,033,000 | 1,719 |
| Premises and equipment expense | $1,605,000 | 856 |
| Additional noninterest expense | $2,207,000 | 1,340 |
| Pre-tax net operating income | $880,000 | 3,221 |
| Securities gains (losses) | $-49,000 | 8,232 |
| Applicable income taxes | $290,000 | 2,253 |
| Income before extraordinary items | $541,000 | 3,860 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $541,000 | 3,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $517,000 | 1,282 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 810 |
| Net operating income | $572,850 | 3,685 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,818,000 | 1,517 |
| Total interest expense | $3,886,000 | 1,198 |
| Net interest income | $2,932,000 | 1,905 |
| Provision for loan and lease losses | $-150,000 | 8,458 |
| Total noninterest income | $504,000 | 2,226 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $397,000 | 1,094 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $107,000 | 3,641 |
| Total noninterest expense | $3,260,000 | 1,469 |
| Salaries and employee benefits | $1,469,000 | 1,792 |
| Premises and equipment expense | $788,000 | 874 |
| Additional noninterest expense | $1,003,000 | 1,431 |
| Pre-tax net operating income | $326,000 | 3,961 |
| Securities gains (losses) | $10,000 | 1,965 |
| Applicable income taxes | $110,000 | 2,677 |
| Income before extraordinary items | $226,000 | 4,418 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $226,000 | 4,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 824 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 686 |
| Net operating income | $219,300 | 4,378 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,475,000 | 1,628 |
| Total interest expense | $15,921,000 | 1,250 |
| Net interest income | $10,554,000 | 2,145 |
| Provision for loan and lease losses | $1,522,000 | 1,041 |
| Total noninterest income | $1,293,000 | 2,990 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $886,000 | 1,946 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $407,000 | 3,694 |
| Total noninterest expense | $13,809,000 | 1,336 |
| Salaries and employee benefits | $5,747,000 | 1,759 |
| Premises and equipment expense | $3,956,000 | 672 |
| Additional noninterest expense | $4,106,000 | 1,367 |
| Pre-tax net operating income | $-3,484,000 | 8,394 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $5,788,000 | 482 |
| Income before extraordinary items | $-9,271,000 | 8,485 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-9,271,000 | 8,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 2,352 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $960,000 | 438 |
| Net operating income | $-9,272,000 | 8,478 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,601,000 | 1,650 |
| Total interest expense | $11,816,000 | 1,272 |
| Net interest income | $7,785,000 | 2,190 |
| Provision for loan and lease losses | $1,522,000 | 642 |
| Total noninterest income | $877,000 | 3,186 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $581,000 | 2,179 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $296,000 | 3,760 |
| Total noninterest expense | $9,650,000 | 1,417 |
| Salaries and employee benefits | $3,977,000 | 1,893 |
| Premises and equipment expense | $3,063,000 | 647 |
| Additional noninterest expense | $2,610,000 | 1,544 |
| Pre-tax net operating income | $-2,510,000 | 8,468 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $-1,053,000 | 8,496 |
| Income before extraordinary items | $-1,456,000 | 8,413 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,456,000 | 8,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,001 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $871,000 | 334 |
| Net operating income | $-1,456,640 | 8,402 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,395,000 | 1,628 |
| Total interest expense | $7,777,000 | 1,287 |
| Net interest income | $5,618,000 | 2,066 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $535,000 | 3,419 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $329,000 | 2,470 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $206,000 | 3,725 |
| Total noninterest expense | $6,254,000 | 1,472 |
| Salaries and employee benefits | $2,637,000 | 1,936 |
| Premises and equipment expense | $1,948,000 | 705 |
| Additional noninterest expense | $1,669,000 | 1,623 |
| Pre-tax net operating income | $-401,000 | 8,227 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $-205,000 | 8,465 |
| Income before extraordinary items | $-195,000 | 8,111 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-195,000 | 8,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 1,373 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $871,000 | 259 |
| Net operating income | $-195,640 | 8,102 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,726,000 | 1,616 |
| Total interest expense | $3,956,000 | 1,245 |
| Net interest income | $2,770,000 | 2,101 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $216,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $145,000 | 2,663 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $71,000 | 4,430 |
| Total noninterest expense | $3,123,000 | 1,476 |
| Salaries and employee benefits | $1,323,000 | 1,941 |
| Premises and equipment expense | $980,000 | 694 |
| Additional noninterest expense | $820,000 | 1,633 |
| Pre-tax net operating income | $-287,000 | 8,403 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $-87,000 | 8,498 |
| Income before extraordinary items | $-199,000 | 8,327 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-199,000 | 8,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 644 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $834,000 | 149 |
| Net operating income | $-199,700 | 8,317 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $24,399,000 | 1,658 |
| Total interest expense | $13,443,000 | 1,250 |
| Net interest income | $10,956,000 | 2,113 |
| Provision for loan and lease losses | $1,060,000 | 994 |
| Total noninterest income | $690,000 | 4,394 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $359,000 | 3,764 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $331,000 | 4,110 |
| Total noninterest expense | $11,187,000 | 1,582 |
| Salaries and employee benefits | $4,815,000 | 2,025 |
| Premises and equipment expense | $2,103,000 | 1,220 |
| Additional noninterest expense | $4,269,000 | 1,252 |
| Pre-tax net operating income | $-601,000 | 8,304 |
| Securities gains (losses) | $-10,000 | 7,284 |
| Applicable income taxes | $-347,000 | 8,531 |
| Income before extraordinary items | $-264,000 | 8,183 |
| Extraordinary gains, net | $1,240,000 | 14 |
| Net income | $976,000 | 4,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $468,000 | 1,236 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $5,090,000 | 307 |
| Net operating income | $-257,600 | 8,180 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,423,000 | 1,722 |
| Total interest expense | $9,382,000 | 1,307 |
| Net interest income | $8,041,000 | 2,171 |
| Provision for loan and lease losses | $960,000 | 778 |
| Total noninterest income | $474,000 | 4,630 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $270,000 | 3,785 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $204,000 | 4,502 |
| Total noninterest expense | $6,910,000 | 1,915 |
| Salaries and employee benefits | $3,272,000 | 2,244 |
| Premises and equipment expense | $1,142,000 | 1,680 |
| Additional noninterest expense | $2,496,000 | 1,572 |
| Pre-tax net operating income | $645,000 | 5,717 |
| Securities gains (losses) | $-11,000 | 7,627 |
| Applicable income taxes | $178,000 | 4,288 |
| Income before extraordinary items | $456,000 | 5,969 |
| Extraordinary gains, net | $1,500,000 | 12 |
| Net income | $1,956,000 | 2,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $468,000 | 851 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $3,424,000 | 268 |
| Net operating income | $463,920 | 5,931 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,993,000 | 1,795 |
| Total interest expense | $5,834,000 | 1,338 |
| Net interest income | $5,159,000 | 2,267 |
| Provision for loan and lease losses | $660,000 | 753 |
| Total noninterest income | $306,000 | 4,686 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $164,000 | 3,961 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $142,000 | 4,398 |
| Total noninterest expense | $4,245,000 | 2,076 |
| Salaries and employee benefits | $2,054,000 | 2,385 |
| Premises and equipment expense | $737,000 | 1,728 |
| Additional noninterest expense | $1,454,000 | 1,800 |
| Pre-tax net operating income | $560,000 | 5,159 |
| Securities gains (losses) | $-26,000 | 8,175 |
| Applicable income taxes | $161,000 | 3,915 |
| Income before extraordinary items | $373,000 | 5,547 |
| Extraordinary gains, net | $1,000,000 | 12 |
| Net income | $1,373,000 | 2,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 7,977 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $3,424,000 | 180 |
| Net operating income | $391,200 | 5,434 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,110,000 | 1,878 |
| Total interest expense | $2,717,000 | 1,361 |
| Net interest income | $2,393,000 | 2,409 |
| Provision for loan and lease losses | $160,000 | 1,352 |
| Total noninterest income | $125,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $63,000 | 4,435 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $62,000 | 4,677 |
| Total noninterest expense | $2,019,000 | 2,192 |
| Salaries and employee benefits | $997,000 | 2,448 |
| Premises and equipment expense | $323,000 | 1,959 |
| Additional noninterest expense | $699,000 | 1,869 |
| Pre-tax net operating income | $339,000 | 4,662 |
| Securities gains (losses) | $-26,000 | 8,435 |
| Applicable income taxes | $97,000 | 3,641 |
| Income before extraordinary items | $216,000 | 5,165 |
| Extraordinary gains, net | $500,000 | 8 |
| Net income | $716,000 | 2,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $1,273,000 | 130 |
| Net operating income | $233,940 | 4,983 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,115,000 | 2,513 |
| Total interest expense | $6,620,000 | 1,719 |
| Net interest income | $6,495,000 | 3,211 |
| Provision for loan and lease losses | $900,000 | 1,141 |
| Total noninterest income | $283,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $80,000 | 6,585 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $203,000 | 5,134 |
| Total noninterest expense | $6,058,000 | 2,730 |
| Salaries and employee benefits | $2,866,000 | 3,097 |
| Premises and equipment expense | $929,000 | 2,523 |
| Additional noninterest expense | $2,263,000 | 2,213 |
| Pre-tax net operating income | $-180,000 | 8,368 |
| Securities gains (losses) | $12,000 | 1,423 |
| Applicable income taxes | $-1,624,000 | 8,815 |
| Income before extraordinary items | $1,456,000 | 3,854 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,456,000 | 3,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-206,000 | 8,733 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 711 |
| Net operating income | $1,448,320 | 3,842 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,443,000 | 2,794 |
| Total interest expense | $4,174,000 | 1,915 |
| Net interest income | $4,269,000 | 3,571 |
| Provision for loan and lease losses | $505,000 | 1,392 |
| Total noninterest income | $216,000 | 6,432 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $66,000 | 6,495 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $150,000 | 5,181 |
| Total noninterest expense | $3,798,000 | 3,174 |
| Salaries and employee benefits | $1,674,000 | 3,781 |
| Premises and equipment expense | $623,000 | 2,778 |
| Additional noninterest expense | $1,501,000 | 2,453 |
| Pre-tax net operating income | $182,000 | 7,706 |
| Securities gains (losses) | $12,000 | 1,416 |
| Applicable income taxes | $16,000 | 6,381 |
| Income before extraordinary items | $178,000 | 7,562 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $178,000 | 7,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-367,000 | 8,797 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 553 |
| Net operating income | $166,960 | 7,594 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,596,000 | 3,252 |
| Total interest expense | $2,206,000 | 2,221 |
| Net interest income | $2,390,000 | 4,061 |
| Provision for loan and lease losses | $280,000 | 1,629 |
| Total noninterest income | $142,000 | 6,438 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $43,000 | 6,506 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $99,000 | 5,211 |
| Total noninterest expense | $2,226,000 | 3,509 |
| Salaries and employee benefits | $944,000 | 4,258 |
| Premises and equipment expense | $370,000 | 3,051 |
| Additional noninterest expense | $912,000 | 2,663 |
| Pre-tax net operating income | $26,000 | 8,252 |
| Securities gains (losses) | $12,000 | 1,290 |
| Applicable income taxes | $-20,000 | 8,656 |
| Income before extraordinary items | $58,000 | 8,050 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $58,000 | 8,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-367,000 | 8,810 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 420 |
| Net operating income | $46,000 | 8,102 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,673,000 | 4,137 |
| Total interest expense | $940,000 | 2,458 |
| Net interest income | $733,000 | 5,603 |
| Provision for loan and lease losses | $55,000 | 3,052 |
| Total noninterest income | $69,000 | 6,466 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $49,000 | 5,227 |
| Total noninterest expense | $1,034,000 | 3,749 |
| Salaries and employee benefits | $411,000 | 4,739 |
| Premises and equipment expense | $159,000 | 3,485 |
| Additional noninterest expense | $464,000 | 2,615 |
| Pre-tax net operating income | $-287,000 | 8,781 |
| Securities gains (losses) | $12,000 | 950 |
| Applicable income taxes | $-110,000 | 8,850 |
| Income before extraordinary items | $-165,000 | 8,723 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-165,000 | 8,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-90,000 | 8,765 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-172,680 | 8,711 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,347,000 | 6,098 |
| Total interest expense | $3,063,000 | 2,587 |
| Net interest income | $284,000 | 8,827 |
| Provision for loan and lease losses | $-2,071,000 | 8,950 |
| Total noninterest income | $361,000 | 6,016 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $74,000 | 6,886 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $287,000 | 4,342 |
| Total noninterest expense | $5,291,000 | 2,954 |
| Salaries and employee benefits | $1,655,000 | 4,618 |
| Premises and equipment expense | $775,000 | 2,868 |
| Additional noninterest expense | $2,861,000 | 1,711 |
| Pre-tax net operating income | $-2,575,000 | 8,921 |
| Securities gains (losses) | $1,349,000 | 230 |
| Applicable income taxes | $-1,500,000 | 8,952 |
| Income before extraordinary items | $274,000 | 7,329 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $274,000 | 7,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-149,000 | 8,843 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 8,873 |
| Net operating income | $-589,360 | 8,724 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,508,000 | 6,096 |
| Total interest expense | $2,403,000 | 2,439 |
| Net interest income | $105,000 | 8,946 |
| Provision for loan and lease losses | $-2,071,000 | 9,001 |
| Total noninterest income | $290,000 | 5,897 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $55,000 | 6,934 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $235,000 | 4,186 |
| Total noninterest expense | $3,942,000 | 2,943 |
| Salaries and employee benefits | $1,190,000 | 4,709 |
| Premises and equipment expense | $571,000 | 2,912 |
| Additional noninterest expense | $2,181,000 | 1,657 |
| Pre-tax net operating income | $-1,476,000 | 8,947 |
| Securities gains (losses) | $1,349,000 | 210 |
| Applicable income taxes | $-93,000 | 8,849 |
| Income before extraordinary items | $-34,000 | 8,557 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-34,000 | 8,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,290 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 8,950 |
| Net operating income | $-897,360 | 8,895 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,683,000 | 6,105 |
| Total interest expense | $1,732,000 | 2,258 |
| Net interest income | $-49,000 | 9,075 |
| Provision for loan and lease losses | $263,000 | 1,761 |
| Total noninterest income | $210,000 | 5,711 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $37,000 | 6,947 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $173,000 | 4,032 |
| Total noninterest expense | $2,557,000 | 3,019 |
| Salaries and employee benefits | $662,000 | 5,379 |
| Premises and equipment expense | $390,000 | 2,843 |
| Additional noninterest expense | $1,505,000 | 1,601 |
| Pre-tax net operating income | $-2,659,000 | 9,056 |
| Securities gains (losses) | $308,000 | 475 |
| Applicable income taxes | $-836,000 | 9,049 |
| Income before extraordinary items | $-1,515,000 | 9,038 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,515,000 | 9,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,681 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 9,022 |
| Net operating income | $-1,712,120 | 9,032 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $975,000 | 5,654 |
| Total interest expense | $937,000 | 2,133 |
| Net interest income | $38,000 | 9,047 |
| Provision for loan and lease losses | $378,000 | 661 |
| Total noninterest income | $126,000 | 5,200 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $19,000 | 6,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $107,000 | 3,564 |
| Total noninterest expense | $1,081,000 | 3,538 |
| Salaries and employee benefits | $337,000 | 5,325 |
| Premises and equipment expense | $207,000 | 2,727 |
| Additional noninterest expense | $537,000 | 2,218 |
| Pre-tax net operating income | $-1,295,000 | 9,092 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-486,000 | 9,096 |
| Income before extraordinary items | $-809,000 | 9,086 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-809,000 | 9,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 671 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-809,000 | 9,070 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,615,000 | 3,218 |
| Total interest expense | $5,488,000 | 1,650 |
| Net interest income | $3,127,000 | 5,174 |
| Provision for loan and lease losses | $-669,000 | 9,135 |
| Total noninterest income | $-11,000 | 9,166 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $61,000 | 7,249 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-72,000 | 9,159 |
| Total noninterest expense | $8,477,000 | 1,873 |
| Salaries and employee benefits | $3,611,000 | 2,351 |
| Premises and equipment expense | $1,006,000 | 2,251 |
| Additional noninterest expense | $3,860,000 | 1,288 |
| Pre-tax net operating income | $-4,692,000 | 9,134 |
| Securities gains (losses) | $926,000 | 506 |
| Applicable income taxes | $212,000 | 4,844 |
| Income before extraordinary items | $-3,978,000 | 9,149 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-3,978,000 | 9,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-169,000 | 9,094 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-4,904,000 | 9,132 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,207,000 | 2,983 |
| Total interest expense | $4,375,000 | 1,600 |
| Net interest income | $2,832,000 | 4,565 |
| Provision for loan and lease losses | $-483,000 | 9,194 |
| Total noninterest income | $567,000 | 4,398 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $45,000 | 7,328 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $522,000 | 3,058 |
| Total noninterest expense | $6,057,000 | 1,967 |
| Salaries and employee benefits | $2,298,000 | 2,723 |
| Premises and equipment expense | $630,000 | 2,646 |
| Additional noninterest expense | $3,129,000 | 1,208 |
| Pre-tax net operating income | $-2,175,000 | 9,166 |
| Securities gains (losses) | $1,580,000 | 327 |
| Applicable income taxes | $-373,000 | 9,154 |
| Income before extraordinary items | $-222,000 | 8,914 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-222,000 | 8,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-249,000 | 9,180 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,233,200 | 9,112 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,344,000 | 2,711 |
| Total interest expense | $3,044,000 | 1,579 |
| Net interest income | $2,300,000 | 3,959 |
| Provision for loan and lease losses | $-183,000 | 9,219 |
| Total noninterest income | $405,000 | 4,215 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $31,000 | 7,289 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $374,000 | 2,894 |
| Total noninterest expense | $4,446,000 | 1,782 |
| Salaries and employee benefits | $1,771,000 | 2,384 |
| Premises and equipment expense | $427,000 | 2,602 |
| Additional noninterest expense | $2,248,000 | 1,125 |
| Pre-tax net operating income | $-1,558,000 | 9,203 |
| Securities gains (losses) | $1,257,000 | 314 |
| Applicable income taxes | $-235,000 | 9,187 |
| Income before extraordinary items | $-66,000 | 8,878 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-66,000 | 8,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,391 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-870,480 | 9,143 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,713,000 | 2,693 |
| Total interest expense | $1,546,000 | 1,596 |
| Net interest income | $1,167,000 | 3,906 |
| Provision for loan and lease losses | $-116,000 | 9,273 |
| Total noninterest income | $187,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $173,000 | 2,965 |
| Total noninterest expense | $2,020,000 | 1,937 |
| Salaries and employee benefits | $790,000 | 2,646 |
| Premises and equipment expense | $218,000 | 2,563 |
| Additional noninterest expense | $1,012,000 | 1,212 |
| Pre-tax net operating income | $-550,000 | 9,210 |
| Securities gains (losses) | $436,000 | 391 |
| Applicable income taxes | $-103,000 | 9,224 |
| Income before extraordinary items | $-11,000 | 8,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-11,000 | 8,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 1,345 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-290,040 | 9,127 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,220,000 | 2,017 |
| Total interest expense | $8,417,000 | 1,339 |
| Net interest income | $6,803,000 | 2,802 |
| Provision for loan and lease losses | $-107,000 | 9,268 |
| Total noninterest income | $923,000 | 3,655 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $64,000 | 7,261 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $859,000 | 2,393 |
| Total noninterest expense | $8,993,000 | 1,690 |
| Salaries and employee benefits | $3,097,000 | 2,544 |
| Premises and equipment expense | $764,000 | 2,778 |
| Additional noninterest expense | $5,132,000 | 972 |
| Pre-tax net operating income | $-1,160,000 | 9,157 |
| Securities gains (losses) | $553,000 | 624 |
| Applicable income taxes | $-409,000 | 9,224 |
| Income before extraordinary items | $-198,000 | 8,906 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-198,000 | 8,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $670,000 | 1,335 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-551,920 | 9,016 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,023,000 | 1,175 |
| Total interest expense | $15,633,000 | 1,037 |
| Net interest income | $13,390,000 | 1,321 |
| Provision for loan and lease losses | $1,283,000 | 1,031 |
| Total noninterest income | $1,042,000 | 3,245 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $77,000 | 7,040 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $965,000 | 2,092 |
| Total noninterest expense | $17,452,000 | 863 |
| Salaries and employee benefits | $3,493,000 | 2,152 |
| Premises and equipment expense | $940,000 | 2,267 |
| Additional noninterest expense | $13,019,000 | 476 |
| Pre-tax net operating income | $-4,303,000 | 9,560 |
| Securities gains (losses) | $396,000 | 723 |
| Applicable income taxes | $-1,606,000 | 9,571 |
| Income before extraordinary items | $-2,301,000 | 9,535 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-2,301,000 | 9,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,465,000 | 397 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 905 |
| Net operating income | $-2,554,440 | 9,525 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $42,479,000 | 840 |
| Total interest expense | $19,129,000 | 933 |
| Net interest income | $23,350,000 | 754 |
| Provision for loan and lease losses | $5,857,000 | 285 |
| Total noninterest income | $1,598,000 | 2,242 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $85,000 | 6,874 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,513,000 | 1,370 |
| Total noninterest expense | $16,581,000 | 856 |
| Salaries and employee benefits | $3,699,000 | 1,943 |
| Premises and equipment expense | $1,030,000 | 2,010 |
| Additional noninterest expense | $11,852,000 | 510 |
| Pre-tax net operating income | $2,510,000 | 2,756 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,044,000 | 2,047 |
| Income before extraordinary items | $1,466,000 | 3,314 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,466,000 | 3,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,697,000 | 399 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,466,000 | 3,307 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $44,435,000 | 761 |
| Total interest expense | $13,212,000 | 1,153 |
| Net interest income | $31,223,000 | 615 |
| Provision for loan and lease losses | $2,743,000 | 436 |
| Total noninterest income | $2,572,000 | 1,528 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $98,000 | 6,750 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,474,000 | 997 |
| Total noninterest expense | $25,692,000 | 627 |
| Salaries and employee benefits | $3,961,000 | 1,742 |
| Premises and equipment expense | $775,000 | 2,615 |
| Additional noninterest expense | $20,956,000 | 349 |
| Pre-tax net operating income | $5,360,000 | 1,422 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,368,000 | 1,067 |
| Income before extraordinary items | $2,992,000 | 1,781 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,992,000 | 1,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,475,000 | 541 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,024 |
| Net operating income | $2,992,000 | 1,751 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $25,516,000 | 1,265 |
| Total interest expense | $15,983,000 | 998 |
| Net interest income | $9,533,000 | 1,787 |
| Provision for loan and lease losses | $1,732,000 | 644 |
| Total noninterest income | $2,645,000 | 1,483 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $64,000 | 7,680 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,581,000 | 996 |
| Total noninterest expense | $8,986,000 | 1,471 |
| Salaries and employee benefits | $3,498,000 | 1,901 |
| Premises and equipment expense | $713,000 | 2,719 |
| Additional noninterest expense | $4,775,000 | 977 |
| Pre-tax net operating income | $1,460,000 | 4,261 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $541,000 | 3,656 |
| Income before extraordinary items | $919,000 | 4,763 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $919,000 | 4,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,628,000 | 404 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $919,000 | 4,673 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,612,000 | 1,524 |
| Total interest expense | $13,165,000 | 1,214 |
| Net interest income | $8,447,000 | 2,063 |
| Provision for loan and lease losses | $2,599,000 | 476 |
| Total noninterest income | $2,626,000 | 1,428 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $146,000 | 6,234 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,480,000 | 949 |
| Total noninterest expense | $6,722,000 | 1,919 |
| Salaries and employee benefits | $3,074,000 | 2,154 |
| Premises and equipment expense | $698,000 | 2,740 |
| Additional noninterest expense | $2,950,000 | 1,463 |
| Pre-tax net operating income | $1,752,000 | 3,952 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $720,000 | 3,167 |
| Income before extraordinary items | $1,032,000 | 4,597 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,032,000 | 4,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $949,000 | 833 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,032,000 | 4,533 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,601,000 | 2,453 |
| Total interest expense | $8,005,000 | 1,961 |
| Net interest income | $5,596,000 | 3,158 |
| Provision for loan and lease losses | $430,000 | 1,967 |
| Total noninterest income | $1,580,000 | 2,210 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $50,000 | 8,845 |
| Trading account gains and fees | $69,000 | 189 |
| Additional Noninterest Income | $1,461,000 | 1,409 |
| Total noninterest expense | $5,052,000 | 2,712 |
| Salaries and employee benefits | $2,719,000 | 2,452 |
| Premises and equipment expense | $555,000 | 3,458 |
| Additional noninterest expense | $1,778,000 | 2,727 |
| Pre-tax net operating income | $1,694,000 | 3,941 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $623,000 | 3,478 |
| Income before extraordinary items | $1,073,000 | 4,230 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,073,000 | 4,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 11,288 |
| Net operating income | $1,071,720 | 4,183 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,796,000 | 3,343 |
| Total interest expense | $4,781,000 | 3,145 |
| Net interest income | $5,015,000 | 3,522 |
| Provision for loan and lease losses | $139,000 | 3,796 |
| Total noninterest income | $1,342,000 | 2,481 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $55,000 | 9,088 |
| Trading account gains and fees | $29,000 | 368 |
| Additional Noninterest Income | $1,258,000 | 1,549 |
| Total noninterest expense | $4,912,000 | 2,764 |
| Salaries and employee benefits | $2,245,000 | 2,966 |
| Premises and equipment expense | $590,000 | 3,247 |
| Additional noninterest expense | $2,077,000 | 2,326 |
| Pre-tax net operating income | $1,306,000 | 4,952 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $271,000 | 6,353 |
| Income before extraordinary items | $1,035,000 | 4,457 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,035,000 | 4,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $444,000 | 1,491 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 803 |
| Net operating income | $1,035,000 | 4,456 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,223,000 | 3,651 |
| Total interest expense | $3,901,000 | 3,125 |
| Net interest income | $4,322,000 | 4,072 |
| Provision for loan and lease losses | $915,000 | 988 |
| Total noninterest income | $1,306,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $58,000 | 9,408 |
| Trading account gains and fees | $-12,000 | 4,818 |
| Additional Noninterest Income | $1,260,000 | 1,579 |
| Total noninterest expense | $3,710,000 | 3,653 |
| Salaries and employee benefits | $1,838,000 | 3,546 |
| Premises and equipment expense | $577,000 | 3,386 |
| Additional noninterest expense | $1,295,000 | 3,787 |
| Pre-tax net operating income | $1,003,000 | 5,942 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-109,000 | 12,313 |
| Income before extraordinary items | $1,112,000 | 4,131 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,112,000 | 4,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $611,000 | 1,201 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,153 |
| Net operating income | $1,112,000 | 4,172 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,275,000 | 4,768 |
| Total interest expense | $3,063,000 | 4,045 |
| Net interest income | $3,212,000 | 5,331 |
| Provision for loan and lease losses | $353,000 | 2,691 |
| Total noninterest income | $973,000 | 3,415 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $35,000 | 10,569 |
| Trading account gains and fees | $-351,000 | 5,136 |
| Additional Noninterest Income | $1,289,000 | 1,726 |
| Total noninterest expense | $4,010,000 | 3,486 |
| Salaries and employee benefits | $1,679,000 | 3,862 |
| Premises and equipment expense | $562,000 | 3,518 |
| Additional noninterest expense | $1,769,000 | 3,027 |
| Pre-tax net operating income | $-178,000 | 12,678 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-11,000 | 12,790 |
| Income before extraordinary items | $-167,000 | 12,730 |
| Extraordinary gains, net | $94,000 | 1,636 |
| Net income | $-73,000 | 12,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 8,132 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-167,000 | 12,649 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,927,000 | 5,550 |
| Total interest expense | $2,822,000 | 5,442 |
| Net interest income | $3,105,000 | 5,567 |
| Provision for loan and lease losses | $1,281,000 | 1,567 |
| Total noninterest income | $1,531,000 | 2,353 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $27,000 | 11,160 |
| Trading account gains and fees | $27,000 | 352 |
| Additional Noninterest Income | $1,477,000 | 1,541 |
| Total noninterest expense | $3,068,000 | 4,433 |
| Salaries and employee benefits | $1,548,000 | 4,102 |
| Premises and equipment expense | $545,000 | 3,675 |
| Additional noninterest expense | $975,000 | 5,153 |
| Pre-tax net operating income | $287,000 | 10,263 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $99,000 | 9,950 |
| Income before extraordinary items | $188,000 | 10,765 |
| Extraordinary gains, net | $88,000 | 790 |
| Net income | $276,000 | 9,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $993,000 | 1,567 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $188,000 | 10,426 |
* 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.