Home > The Peoples Bank > Income and Expense
The Peoples Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,995,000 | 1,588 |
| Total interest expense | $4,790,000 | 934 |
| Net interest income | $5,205,000 | 2,119 |
| Provision for loan and lease losses | $8,353,000 | 414 |
| Total noninterest income | $222,000 | 4,838 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $926,000 | 845 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-704,000 | 7,737 |
| Total noninterest expense | $9,313,000 | 1,058 |
| Salaries and employee benefits | $3,685,000 | 1,340 |
| Premises and equipment expense | $1,500,000 | 872 |
| Additional noninterest expense | $4,128,000 | 869 |
| Pre-tax net operating income | $-12,239,000 | 7,707 |
| Securities gains (losses) | $791,000 | 321 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-11,448,000 | 7,705 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-11,448,000 | 7,705 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-11,448,000 | 7,705 |
| Net charge-offs | $6,494,000 | 472 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-12,239,000 | 7,709 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,040,000 | 1,600 |
| Total interest expense | $2,532,000 | 925 |
| Net interest income | $2,508,000 | 2,223 |
| Provision for loan and lease losses | $1,220,000 | 1,019 |
| Total noninterest income | $1,396,000 | 930 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $464,000 | 839 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $932,000 | 846 |
| Total noninterest expense | $4,651,000 | 1,067 |
| Salaries and employee benefits | $2,006,000 | 1,237 |
| Premises and equipment expense | $745,000 | 907 |
| Additional noninterest expense | $1,900,000 | 940 |
| Pre-tax net operating income | $-1,967,000 | 7,592 |
| Securities gains (losses) | $232,000 | 470 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,735,000 | 7,608 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,735,000 | 7,610 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,735,000 | 7,610 |
| Net charge-offs | $414,000 | 1,746 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,967,000 | 7,638 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $22,125,000 | 1,550 |
| Total interest expense | $12,531,000 | 945 |
| Net interest income | $9,594,000 | 2,281 |
| Provision for loan and lease losses | $16,780,000 | 560 |
| Total noninterest income | $3,618,000 | 1,404 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,925,000 | 901 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,693,000 | 1,537 |
| Total noninterest expense | $18,233,000 | 1,142 |
| Salaries and employee benefits | $7,344,000 | 1,371 |
| Premises and equipment expense | $3,193,000 | 848 |
| Additional noninterest expense | $7,696,000 | 1,017 |
| Pre-tax net operating income | $-21,801,000 | 7,732 |
| Securities gains (losses) | $-2,357,000 | 7,825 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-24,158,000 | 7,776 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-24,158,000 | 7,774 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-24,158,000 | 7,775 |
| Net charge-offs | $13,737,000 | 532 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-21,801,000 | 7,761 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $17,217,000 | 1,524 |
| Total interest expense | $9,717,000 | 961 |
| Net interest income | $7,500,000 | 2,190 |
| Provision for loan and lease losses | $8,100,000 | 744 |
| Total noninterest income | $2,710,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,343,000 | 967 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,367,000 | 1,486 |
| Total noninterest expense | $13,666,000 | 1,130 |
| Salaries and employee benefits | $5,688,000 | 1,334 |
| Premises and equipment expense | $2,409,000 | 849 |
| Additional noninterest expense | $5,569,000 | 1,014 |
| Pre-tax net operating income | $-11,556,000 | 7,779 |
| Securities gains (losses) | $-3,166,000 | 7,975 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-14,722,000 | 7,853 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-14,722,000 | 7,852 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-14,722,000 | 7,852 |
| Net charge-offs | $6,781,000 | 660 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-11,556,000 | 7,815 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,738,000 | 1,527 |
| Total interest expense | $6,722,000 | 983 |
| Net interest income | $5,016,000 | 2,188 |
| Provision for loan and lease losses | $2,610,000 | 1,188 |
| Total noninterest income | $2,323,000 | 1,190 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $844,000 | 1,004 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,479,000 | 1,115 |
| Total noninterest expense | $9,157,000 | 1,146 |
| Salaries and employee benefits | $3,804,000 | 1,362 |
| Premises and equipment expense | $1,605,000 | 876 |
| Additional noninterest expense | $3,748,000 | 1,026 |
| Pre-tax net operating income | $-4,428,000 | 7,707 |
| Securities gains (losses) | $-3,713,000 | 8,106 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-8,141,000 | 7,913 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,141,000 | 7,912 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-8,141,000 | 7,912 |
| Net charge-offs | $3,060,000 | 846 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,428,000 | 7,775 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,210,000 | 1,454 |
| Total interest expense | $3,445,000 | 995 |
| Net interest income | $2,765,000 | 1,978 |
| Provision for loan and lease losses | $616,000 | 1,571 |
| Total noninterest income | $1,133,000 | 1,158 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $400,000 | 1,035 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $733,000 | 1,083 |
| Total noninterest expense | $4,516,000 | 1,110 |
| Salaries and employee benefits | $1,961,000 | 1,318 |
| Premises and equipment expense | $802,000 | 885 |
| Additional noninterest expense | $1,753,000 | 956 |
| Pre-tax net operating income | $-1,234,000 | 7,694 |
| Securities gains (losses) | $646,000 | 263 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-588,000 | 7,518 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-588,000 | 7,519 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-588,000 | 7,519 |
| Net charge-offs | $1,014,000 | 950 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,234,000 | 7,762 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $27,205,000 | 1,425 |
| Total interest expense | $14,208,000 | 1,142 |
| Net interest income | $12,997,000 | 1,708 |
| Provision for loan and lease losses | $5,299,000 | 968 |
| Total noninterest income | $4,708,000 | 1,116 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,827,000 | 982 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,881,000 | 1,006 |
| Total noninterest expense | $19,014,000 | 1,041 |
| Salaries and employee benefits | $8,216,000 | 1,220 |
| Premises and equipment expense | $3,044,000 | 904 |
| Additional noninterest expense | $7,754,000 | 845 |
| Pre-tax net operating income | $-6,608,000 | 7,888 |
| Securities gains (losses) | $504,000 | 372 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-6,104,000 | 7,875 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,104,000 | 7,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,698,000 | 1,079 |
| Cash dividends | $1,830,000 | 1,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-6,608,000 | 7,935 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,508,000 | 1,452 |
| Total interest expense | $10,553,000 | 1,198 |
| Net interest income | $9,955,000 | 1,685 |
| Provision for loan and lease losses | $3,398,000 | 828 |
| Total noninterest income | $3,983,000 | 1,043 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,349,000 | 1,005 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,634,000 | 899 |
| Total noninterest expense | $12,592,000 | 1,157 |
| Salaries and employee benefits | $6,318,000 | 1,205 |
| Premises and equipment expense | $2,222,000 | 929 |
| Additional noninterest expense | $4,052,000 | 1,134 |
| Pre-tax net operating income | $-2,052,000 | 7,877 |
| Securities gains (losses) | $332,000 | 432 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,720,000 | 7,788 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,720,000 | 7,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,019,000 | 819 |
| Cash dividends | $1,580,000 | 1,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,052,000 | 7,953 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,535,000 | 1,493 |
| Total interest expense | $6,829,000 | 1,284 |
| Net interest income | $6,706,000 | 1,674 |
| Provision for loan and lease losses | $1,360,000 | 1,012 |
| Total noninterest income | $2,801,000 | 1,012 |
| 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 | $1,915,000 | 872 |
| Total noninterest expense | $8,257,000 | 1,176 |
| Salaries and employee benefits | $4,178,000 | 1,235 |
| Premises and equipment expense | $1,421,000 | 976 |
| Additional noninterest expense | $2,658,000 | 1,119 |
| Pre-tax net operating income | $-110,000 | 7,206 |
| Securities gains (losses) | $156,000 | 713 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $46,000 | 6,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $46,000 | 6,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,147 |
| Cash dividends | $790,000 | 1,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-110,000 | 7,238 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,870,000 | 1,501 |
| Total interest expense | $3,403,000 | 1,379 |
| Net interest income | $3,467,000 | 1,599 |
| Provision for loan and lease losses | $381,000 | 1,184 |
| Total noninterest income | $1,512,000 | 962 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $444,000 | 975 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,068,000 | 815 |
| Total noninterest expense | $4,443,000 | 1,090 |
| Salaries and employee benefits | $2,452,000 | 1,054 |
| Premises and equipment expense | $705,000 | 981 |
| Additional noninterest expense | $1,286,000 | 1,120 |
| Pre-tax net operating income | $155,000 | 5,394 |
| Securities gains (losses) | $46,000 | 1,130 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $201,000 | 4,653 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $201,000 | 4,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 1,525 |
| Cash dividends | $395,000 | 1,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $155,000 | 5,061 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,244,000 | 1,528 |
| Total interest expense | $12,949,000 | 1,560 |
| Net interest income | $15,295,000 | 1,489 |
| Provision for loan and lease losses | $791,000 | 1,687 |
| Total noninterest income | $3,502,000 | 1,458 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,865,000 | 955 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,637,000 | 1,576 |
| Total noninterest expense | $13,034,000 | 1,420 |
| Salaries and employee benefits | $7,229,000 | 1,401 |
| Premises and equipment expense | $2,065,000 | 1,285 |
| Additional noninterest expense | $3,740,000 | 1,483 |
| Pre-tax net operating income | $4,972,000 | 1,650 |
| Securities gains (losses) | $-16,000 | 7,690 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $4,956,000 | 1,299 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,956,000 | 1,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $818,000 | 1,187 |
| Cash dividends | $2,544,000 | 1,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,972,000 | 1,279 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,074,000 | 1,537 |
| Total interest expense | $9,478,000 | 1,587 |
| Net interest income | $11,596,000 | 1,464 |
| Provision for loan and lease losses | $454,000 | 1,687 |
| Total noninterest income | $2,672,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,364,000 | 959 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,308,000 | 1,510 |
| Total noninterest expense | $9,212,000 | 1,482 |
| Salaries and employee benefits | $5,574,000 | 1,350 |
| Premises and equipment expense | $1,335,000 | 1,493 |
| Additional noninterest expense | $2,303,000 | 1,763 |
| Pre-tax net operating income | $4,602,000 | 1,470 |
| Securities gains (losses) | $-17,000 | 7,911 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $4,585,000 | 1,141 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,585,000 | 1,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $493,000 | 1,083 |
| Cash dividends | $2,017,000 | 1,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,602,000 | 1,114 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,896,000 | 1,574 |
| Total interest expense | $6,170,000 | 1,631 |
| Net interest income | $7,726,000 | 1,479 |
| Provision for loan and lease losses | $249,000 | 1,826 |
| Total noninterest income | $1,677,000 | 1,538 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $890,000 | 994 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $787,000 | 1,627 |
| Total noninterest expense | $5,889,000 | 1,561 |
| Salaries and employee benefits | $3,605,000 | 1,432 |
| Premises and equipment expense | $844,000 | 1,589 |
| Additional noninterest expense | $1,440,000 | 1,882 |
| Pre-tax net operating income | $3,265,000 | 1,435 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $3,265,000 | 1,103 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,265,000 | 1,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 1,220 |
| Cash dividends | $1,346,000 | 1,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,265,000 | 1,082 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,790,000 | 1,607 |
| Total interest expense | $2,986,000 | 1,667 |
| Net interest income | $3,804,000 | 1,510 |
| Provision for loan and lease losses | $95,000 | 2,102 |
| Total noninterest income | $834,000 | 1,512 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $423,000 | 1,014 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $411,000 | 1,560 |
| Total noninterest expense | $3,030,000 | 1,512 |
| Salaries and employee benefits | $1,932,000 | 1,328 |
| Premises and equipment expense | $406,000 | 1,647 |
| Additional noninterest expense | $692,000 | 1,923 |
| Pre-tax net operating income | $1,513,000 | 1,530 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,513,000 | 1,169 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,513,000 | 1,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 895 |
| Cash dividends | $711,000 | 1,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,513,000 | 1,145 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,487,000 | 1,581 |
| Total interest expense | $10,336,000 | 1,628 |
| Net interest income | $15,151,000 | 1,510 |
| Provision for loan and lease losses | $510,000 | 1,870 |
| Total noninterest income | $3,182,000 | 1,533 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,693,000 | 1,041 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,489,000 | 1,677 |
| Total noninterest expense | $11,906,000 | 1,497 |
| Salaries and employee benefits | $7,131,000 | 1,369 |
| Premises and equipment expense | $1,766,000 | 1,455 |
| Additional noninterest expense | $3,009,000 | 1,757 |
| Pre-tax net operating income | $5,917,000 | 1,631 |
| Securities gains (losses) | $-244,000 | 8,418 |
| Applicable income taxes | $30,000 | 5,757 |
| Income before extraordinary items | $5,643,000 | 1,281 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,643,000 | 1,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,014 |
| Cash dividends | $2,575,000 | 1,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,884,560 | 1,226 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,697,000 | 1,595 |
| Total interest expense | $7,416,000 | 1,653 |
| Net interest income | $11,281,000 | 1,532 |
| Provision for loan and lease losses | $370,000 | 1,816 |
| Total noninterest income | $2,345,000 | 1,574 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,246,000 | 1,063 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,099,000 | 1,692 |
| Total noninterest expense | $8,767,000 | 1,531 |
| Salaries and employee benefits | $5,448,000 | 1,358 |
| Premises and equipment expense | $1,329,000 | 1,459 |
| Additional noninterest expense | $1,990,000 | 1,960 |
| Pre-tax net operating income | $4,489,000 | 1,656 |
| Securities gains (losses) | $-207,000 | 8,540 |
| Applicable income taxes | $30,000 | 5,758 |
| Income before extraordinary items | $4,252,000 | 1,335 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,252,000 | 1,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,782 |
| Cash dividends | $2,030,000 | 1,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,456,930 | 1,256 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,108,000 | 1,604 |
| Total interest expense | $4,671,000 | 1,665 |
| Net interest income | $7,437,000 | 1,547 |
| Provision for loan and lease losses | $255,000 | 1,728 |
| Total noninterest income | $1,560,000 | 1,578 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $819,000 | 1,084 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $741,000 | 1,685 |
| Total noninterest expense | $5,756,000 | 1,561 |
| Salaries and employee benefits | $3,645,000 | 1,356 |
| Premises and equipment expense | $903,000 | 1,440 |
| Additional noninterest expense | $1,208,000 | 2,156 |
| Pre-tax net operating income | $2,986,000 | 1,658 |
| Securities gains (losses) | $-189,000 | 8,627 |
| Applicable income taxes | $30,000 | 5,570 |
| Income before extraordinary items | $2,767,000 | 1,357 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,767,000 | 1,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,940 |
| Cash dividends | $1,345,000 | 1,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,954,110 | 1,247 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,861,000 | 1,619 |
| Total interest expense | $2,256,000 | 1,631 |
| Net interest income | $3,605,000 | 1,589 |
| Provision for loan and lease losses | $140,000 | 1,553 |
| Total noninterest income | $738,000 | 1,631 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $396,000 | 1,091 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $342,000 | 1,760 |
| Total noninterest expense | $2,865,000 | 1,567 |
| Salaries and employee benefits | $1,978,000 | 1,261 |
| Premises and equipment expense | $402,000 | 1,621 |
| Additional noninterest expense | $485,000 | 2,606 |
| Pre-tax net operating income | $1,338,000 | 1,803 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $30,000 | 5,017 |
| Income before extraordinary items | $1,308,000 | 1,400 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,308,000 | 1,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $710,000 | 1,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,308,000 | 1,375 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,181,000 | 1,952 |
| Total interest expense | $5,768,000 | 1,953 |
| Net interest income | $11,413,000 | 1,946 |
| Provision for loan and lease losses | $223,000 | 3,406 |
| Total noninterest income | $3,287,000 | 1,488 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,592,000 | 1,118 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,695,000 | 1,518 |
| Total noninterest expense | $10,511,000 | 1,627 |
| Salaries and employee benefits | $6,081,000 | 1,544 |
| Premises and equipment expense | $1,685,000 | 1,452 |
| Additional noninterest expense | $2,745,000 | 1,845 |
| Pre-tax net operating income | $3,966,000 | 2,242 |
| Securities gains (losses) | $-58,000 | 8,240 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $3,908,000 | 1,769 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,908,000 | 1,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 1,982 |
| Cash dividends | $1,278,000 | 2,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,966,000 | 1,726 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,056,000 | 2,021 |
| Total interest expense | $3,964,000 | 2,008 |
| Net interest income | $8,092,000 | 2,039 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $2,505,000 | 1,483 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,173,000 | 1,125 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,332,000 | 1,479 |
| Total noninterest expense | $7,861,000 | 1,610 |
| Salaries and employee benefits | $4,716,000 | 1,471 |
| Premises and equipment expense | $1,285,000 | 1,415 |
| Additional noninterest expense | $1,860,000 | 1,999 |
| Pre-tax net operating income | $2,586,000 | 2,507 |
| Securities gains (losses) | $-41,000 | 8,407 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $2,545,000 | 2,029 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,545,000 | 2,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 1,475 |
| Cash dividends | $949,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,586,000 | 1,966 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,572,000 | 2,080 |
| Total interest expense | $2,430,000 | 2,042 |
| Net interest income | $5,142,000 | 2,105 |
| Provision for loan and lease losses | $125,000 | 2,939 |
| Total noninterest income | $1,693,000 | 1,458 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $759,000 | 1,131 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $934,000 | 1,417 |
| Total noninterest expense | $5,001,000 | 1,671 |
| Salaries and employee benefits | $3,071,000 | 1,510 |
| Premises and equipment expense | $808,000 | 1,490 |
| Additional noninterest expense | $1,122,000 | 2,188 |
| Pre-tax net operating income | $1,709,000 | 2,463 |
| Securities gains (losses) | $-24,000 | 8,417 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,685,000 | 2,010 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,685,000 | 2,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 999 |
| Cash dividends | $592,000 | 1,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,709,000 | 1,952 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 2,156 |
| Total interest expense | $1,162,000 | 2,029 |
| Net interest income | $2,429,000 | 2,212 |
| Provision for loan and lease losses | $28,000 | 4,295 |
| Total noninterest income | $752,000 | 1,564 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $375,000 | 1,111 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $377,000 | 1,616 |
| Total noninterest expense | $2,403,000 | 1,738 |
| Salaries and employee benefits | $1,453,000 | 1,588 |
| Premises and equipment expense | $384,000 | 1,591 |
| Additional noninterest expense | $566,000 | 2,160 |
| Pre-tax net operating income | $750,000 | 2,704 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $750,000 | 2,199 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $750,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 886 |
| Cash dividends | $316,000 | 1,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $750,000 | 2,157 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,784,000 | 2,244 |
| Total interest expense | $3,466,000 | 2,324 |
| Net interest income | $9,318,000 | 2,188 |
| Provision for loan and lease losses | $72,000 | 5,454 |
| Total noninterest income | $2,960,000 | 1,625 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,671,000 | 1,070 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,289,000 | 1,819 |
| Total noninterest expense | $9,920,000 | 1,639 |
| Salaries and employee benefits | $6,189,000 | 1,434 |
| Premises and equipment expense | $1,413,000 | 1,644 |
| Additional noninterest expense | $2,318,000 | 2,097 |
| Pre-tax net operating income | $2,286,000 | 3,212 |
| Securities gains (losses) | $-114,000 | 8,744 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $2,172,000 | 2,722 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,172,000 | 2,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,824 |
| Cash dividends | $1,251,000 | 1,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,286,000 | 2,552 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,317,000 | 2,280 |
| Total interest expense | $2,512,000 | 2,354 |
| Net interest income | $6,805,000 | 2,224 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $2,174,000 | 1,662 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,258,000 | 1,072 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $916,000 | 1,883 |
| Total noninterest expense | $7,143,000 | 1,689 |
| Salaries and employee benefits | $4,518,000 | 1,466 |
| Premises and equipment expense | $960,000 | 1,802 |
| Additional noninterest expense | $1,665,000 | 2,169 |
| Pre-tax net operating income | $1,786,000 | 3,172 |
| Securities gains (losses) | $-114,000 | 8,900 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,672,000 | 2,704 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,672,000 | 2,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,139 |
| Cash dividends | $955,000 | 1,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,786,000 | 2,501 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,124,000 | 2,302 |
| Total interest expense | $1,629,000 | 2,381 |
| Net interest income | $4,495,000 | 2,228 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $1,427,000 | 1,675 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $838,000 | 1,052 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $589,000 | 1,951 |
| Total noninterest expense | $4,749,000 | 1,696 |
| Salaries and employee benefits | $3,054,000 | 1,443 |
| Premises and equipment expense | $632,000 | 1,822 |
| Additional noninterest expense | $1,063,000 | 2,268 |
| Pre-tax net operating income | $1,143,000 | 3,223 |
| Securities gains (losses) | $-114,000 | 8,975 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,029,000 | 2,863 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,029,000 | 2,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,801 |
| Cash dividends | $625,000 | 1,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,143,000 | 2,560 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,015,000 | 2,336 |
| Total interest expense | $827,000 | 2,370 |
| Net interest income | $2,188,000 | 2,283 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $668,000 | 1,726 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $417,000 | 1,029 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $251,000 | 2,125 |
| Total noninterest expense | $2,332,000 | 1,739 |
| Salaries and employee benefits | $1,502,000 | 1,477 |
| Premises and equipment expense | $319,000 | 1,823 |
| Additional noninterest expense | $511,000 | 2,314 |
| Pre-tax net operating income | $509,000 | 3,473 |
| Securities gains (losses) | $-98,000 | 9,064 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $411,000 | 3,430 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $411,000 | 3,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $276,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $509,000 | 2,803 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,610,000 | 2,456 |
| Total interest expense | $3,452,000 | 2,521 |
| Net interest income | $8,158,000 | 2,389 |
| Provision for loan and lease losses | $245,000 | 3,582 |
| Total noninterest income | $3,086,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,773,000 | 974 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,313,000 | 1,998 |
| Total noninterest expense | $8,861,000 | 1,791 |
| Salaries and employee benefits | $5,515,000 | 1,565 |
| Premises and equipment expense | $1,297,000 | 1,749 |
| Additional noninterest expense | $2,049,000 | 2,351 |
| Pre-tax net operating income | $2,138,000 | 3,248 |
| Securities gains (losses) | $366,000 | 930 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,504,000 | 2,372 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,504,000 | 2,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 2,058 |
| Cash dividends | $1,311,000 | 1,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,138,000 | 2,589 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,621,000 | 2,517 |
| Total interest expense | $2,580,000 | 2,618 |
| Net interest income | $6,041,000 | 2,430 |
| Provision for loan and lease losses | $185,000 | 3,467 |
| Total noninterest income | $2,264,000 | 1,722 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,317,000 | 997 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $947,000 | 2,128 |
| Total noninterest expense | $6,541,000 | 1,825 |
| Salaries and employee benefits | $4,075,000 | 1,587 |
| Premises and equipment expense | $984,000 | 1,743 |
| Additional noninterest expense | $1,482,000 | 2,426 |
| Pre-tax net operating income | $1,579,000 | 3,412 |
| Securities gains (losses) | $366,000 | 841 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,945,000 | 2,399 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,945,000 | 2,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,119 |
| Cash dividends | $986,000 | 1,779 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,579,000 | 2,714 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,776,000 | 2,523 |
| Total interest expense | $1,736,000 | 2,662 |
| Net interest income | $4,040,000 | 2,403 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $1,424,000 | 1,795 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $854,000 | 1,006 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $570,000 | 2,252 |
| Total noninterest expense | $4,323,000 | 1,828 |
| Salaries and employee benefits | $2,712,000 | 1,583 |
| Premises and equipment expense | $642,000 | 1,772 |
| Additional noninterest expense | $969,000 | 2,436 |
| Pre-tax net operating income | $1,021,000 | 3,479 |
| Securities gains (losses) | $344,000 | 738 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,365,000 | 2,290 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,365,000 | 2,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,762 |
| Cash dividends | $854,000 | 1,505 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,021,000 | 2,775 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,892,000 | 2,535 |
| Total interest expense | $885,000 | 2,681 |
| Net interest income | $2,007,000 | 2,422 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $677,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $400,000 | 1,040 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $277,000 | 2,225 |
| Total noninterest expense | $2,157,000 | 1,825 |
| Salaries and employee benefits | $1,363,000 | 1,564 |
| Premises and equipment expense | $302,000 | 1,896 |
| Additional noninterest expense | $492,000 | 2,365 |
| Pre-tax net operating income | $467,000 | 3,665 |
| Securities gains (losses) | $302,000 | 508 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $769,000 | 2,041 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $769,000 | 2,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,011 |
| Cash dividends | $439,000 | 1,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $467,000 | 2,942 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,685,000 | 2,437 |
| Total interest expense | $4,227,000 | 2,620 |
| Net interest income | $8,458,000 | 2,291 |
| Provision for loan and lease losses | $360,000 | 3,054 |
| Total noninterest income | $2,601,000 | 1,746 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,623,000 | 992 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $978,000 | 2,216 |
| Total noninterest expense | $8,244,000 | 1,837 |
| Salaries and employee benefits | $5,280,000 | 1,531 |
| Premises and equipment expense | $1,168,000 | 1,896 |
| Additional noninterest expense | $1,796,000 | 2,545 |
| Pre-tax net operating income | $2,455,000 | 2,917 |
| Securities gains (losses) | $124,000 | 1,559 |
| Applicable income taxes | $10,000 | 7,292 |
| Income before extraordinary items | $2,569,000 | 2,296 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,569,000 | 2,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,549 |
| Cash dividends | $1,701,000 | 1,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,445,000 | 2,319 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,095,000 | 2,259 |
| Total interest expense | $6,806,000 | 2,352 |
| Net interest income | $8,289,000 | 2,159 |
| Provision for loan and lease losses | $469,000 | 2,334 |
| Total noninterest income | $2,598,000 | 1,654 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,668,000 | 884 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $930,000 | 2,156 |
| Total noninterest expense | $7,179,000 | 1,998 |
| Salaries and employee benefits | $4,479,000 | 1,684 |
| Premises and equipment expense | $986,000 | 2,168 |
| Additional noninterest expense | $1,714,000 | 2,574 |
| Pre-tax net operating income | $3,239,000 | 2,118 |
| Securities gains (losses) | $151,000 | 1,402 |
| Applicable income taxes | $787,000 | 2,457 |
| Income before extraordinary items | $2,603,000 | 2,006 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,603,000 | 2,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 1,840 |
| Cash dividends | $1,566,000 | 1,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,486,730 | 2,031 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,201,000 | 2,306 |
| Total interest expense | $6,523,000 | 2,562 |
| Net interest income | $8,678,000 | 2,043 |
| Provision for loan and lease losses | $855,000 | 1,206 |
| Total noninterest income | $1,984,000 | 1,886 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,435,000 | 940 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $549,000 | 2,794 |
| Total noninterest expense | $6,686,000 | 2,062 |
| Salaries and employee benefits | $3,966,000 | 1,815 |
| Premises and equipment expense | $1,025,000 | 2,019 |
| Additional noninterest expense | $1,695,000 | 2,523 |
| Pre-tax net operating income | $3,121,000 | 2,315 |
| Securities gains (losses) | $-58,000 | 9,252 |
| Applicable income taxes | $1,032,000 | 2,066 |
| Income before extraordinary items | $2,031,000 | 2,526 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,031,000 | 2,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $651,000 | 1,026 |
| Cash dividends | $532,000 | 3,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,069,280 | 2,481 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,026,000 | 2,324 |
| Total interest expense | $5,546,000 | 2,665 |
| Net interest income | $8,480,000 | 2,079 |
| Provision for loan and lease losses | $610,000 | 1,476 |
| Total noninterest income | $1,577,000 | 2,221 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,034,000 | 1,274 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $543,000 | 2,802 |
| Total noninterest expense | $6,235,000 | 2,190 |
| Salaries and employee benefits | $3,620,000 | 1,934 |
| Premises and equipment expense | $981,000 | 2,087 |
| Additional noninterest expense | $1,634,000 | 2,635 |
| Pre-tax net operating income | $3,212,000 | 2,265 |
| Securities gains (losses) | $16,000 | 1,502 |
| Applicable income taxes | $1,012,000 | 2,200 |
| Income before extraordinary items | $2,216,000 | 2,346 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,216,000 | 2,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,470 |
| Cash dividends | $52,000 | 6,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,204,960 | 2,332 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,834,000 | 2,547 |
| Total interest expense | $5,508,000 | 2,742 |
| Net interest income | $7,326,000 | 2,329 |
| Provision for loan and lease losses | $947,000 | 1,019 |
| Total noninterest income | $1,853,000 | 1,951 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $925,000 | 1,358 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $928,000 | 1,970 |
| Total noninterest expense | $5,573,000 | 2,352 |
| Salaries and employee benefits | $3,374,000 | 1,981 |
| Premises and equipment expense | $788,000 | 2,492 |
| Additional noninterest expense | $1,411,000 | 2,932 |
| Pre-tax net operating income | $2,659,000 | 2,641 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $956,000 | 2,387 |
| Income before extraordinary items | $1,706,000 | 2,919 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,706,000 | 2,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $816,000 | 881 |
| Cash dividends | $51,000 | 6,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,704,080 | 2,832 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,026,000 | 2,717 |
| Total interest expense | $4,578,000 | 3,248 |
| Net interest income | $7,448,000 | 2,343 |
| Provision for loan and lease losses | $1,153,000 | 879 |
| Total noninterest income | $1,397,000 | 2,332 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $934,000 | 1,379 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $463,000 | 2,983 |
| Total noninterest expense | $4,813,000 | 2,660 |
| Salaries and employee benefits | $3,029,000 | 2,187 |
| Premises and equipment expense | $554,000 | 3,399 |
| Additional noninterest expense | $1,230,000 | 3,290 |
| Pre-tax net operating income | $2,879,000 | 2,572 |
| Securities gains (losses) | $-166,000 | 10,817 |
| Applicable income taxes | $1,044,000 | 2,349 |
| Income before extraordinary items | $1,669,000 | 3,045 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,669,000 | 3,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $592,000 | 1,172 |
| Cash dividends | $5,053,000 | 614 |
| Sale, conversion, retirement of capital stock, net | $-712,000 | 10,861 |
| Net operating income | $1,775,240 | 2,816 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,561,000 | 2,864 |
| Total interest expense | $4,412,000 | 3,380 |
| Net interest income | $7,149,000 | 2,498 |
| Provision for loan and lease losses | $1,234,000 | 870 |
| Total noninterest income | $1,154,000 | 2,770 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $908,000 | 1,477 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $246,000 | 4,581 |
| Total noninterest expense | $3,987,000 | 3,354 |
| Salaries and employee benefits | $2,378,000 | 2,823 |
| Premises and equipment expense | $416,000 | 4,397 |
| Additional noninterest expense | $1,193,000 | 3,805 |
| Pre-tax net operating income | $3,082,000 | 2,314 |
| Securities gains (losses) | $-21,000 | 10,654 |
| Applicable income taxes | $994,000 | 2,363 |
| Income before extraordinary items | $2,067,000 | 2,385 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,067,000 | 2,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,179,000 | 812 |
| Cash dividends | $54,000 | 7,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,081,280 | 2,321 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,760,000 | 3,082 |
| Total interest expense | $4,281,000 | 3,476 |
| Net interest income | $6,479,000 | 2,753 |
| Provision for loan and lease losses | $798,000 | 1,124 |
| Total noninterest income | $1,032,000 | 3,030 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $834,000 | 1,620 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $198,000 | 5,162 |
| Total noninterest expense | $3,639,000 | 3,610 |
| Salaries and employee benefits | $2,202,000 | 3,024 |
| Premises and equipment expense | $407,000 | 4,478 |
| Additional noninterest expense | $1,030,000 | 4,241 |
| Pre-tax net operating income | $3,074,000 | 2,381 |
| Securities gains (losses) | $-658,000 | 11,833 |
| Applicable income taxes | $899,000 | 2,602 |
| Income before extraordinary items | $1,517,000 | 3,218 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,517,000 | 3,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,149 |
| Cash dividends | $54,000 | 7,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,938,120 | 2,548 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,216,000 | 3,655 |
| Total interest expense | $2,787,000 | 4,228 |
| Net interest income | $5,429,000 | 3,303 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $851,000 | 3,518 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $730,000 | 1,841 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,901 |
| Total noninterest expense | $3,565,000 | 3,783 |
| Salaries and employee benefits | $2,010,000 | 3,267 |
| Premises and equipment expense | $457,000 | 4,103 |
| Additional noninterest expense | $1,098,000 | 4,362 |
| Pre-tax net operating income | $2,555,000 | 2,767 |
| Securities gains (losses) | $-48,000 | 10,996 |
| Applicable income taxes | $920,000 | 2,422 |
| Income before extraordinary items | $1,587,000 | 3,027 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,587,000 | 3,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,877 |
| Cash dividends | $54,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,617,720 | 2,997 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,104,000 | 4,259 |
| Total interest expense | $2,457,000 | 4,903 |
| Net interest income | $4,647,000 | 3,814 |
| Provision for loan and lease losses | $345,000 | 2,740 |
| Total noninterest income | $829,000 | 3,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $684,000 | 1,994 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,670 |
| Total noninterest expense | $3,305,000 | 4,121 |
| Salaries and employee benefits | $1,916,000 | 3,403 |
| Premises and equipment expense | $460,000 | 4,160 |
| Additional noninterest expense | $929,000 | 5,239 |
| Pre-tax net operating income | $1,826,000 | 3,622 |
| Securities gains (losses) | $118,000 | 2,274 |
| Applicable income taxes | $672,000 | 3,235 |
| Income before extraordinary items | $1,272,000 | 3,793 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,272,000 | 3,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,956 |
| Cash dividends | $52,000 | 7,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,195,300 | 3,823 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,209,000 | 4,708 |
| Total interest expense | $3,120,000 | 4,993 |
| Net interest income | $4,089,000 | 4,357 |
| Provision for loan and lease losses | $220,000 | 4,962 |
| Total noninterest income | $779,000 | 4,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $634,000 | 2,143 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $3,215,000 | 4,249 |
| Salaries and employee benefits | $1,782,000 | 3,589 |
| Premises and equipment expense | $431,000 | 4,524 |
| Additional noninterest expense | $1,002,000 | 5,041 |
| Pre-tax net operating income | $1,433,000 | 4,218 |
| Securities gains (losses) | $-32,000 | 13,593 |
| Applicable income taxes | $425,000 | 4,575 |
| Income before extraordinary items | $976,000 | 4,599 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $976,000 | 4,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 3,986 |
| Cash dividends | $48,000 | 7,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $998,400 | 4,194 |
* 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.