Home > The Peoples Bank of Elkton > Income and Expense
The Peoples Bank of Elkton, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,532,000 | 4,240 |
| Total interest expense | $1,176,000 | 4,307 |
| Net interest income | $2,356,000 | 4,082 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $826,000 | 2,478 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $432,000 | 1,895 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $394,000 | 2,581 |
| Total noninterest expense | $1,659,000 | 4,939 |
| Salaries and employee benefits | $570,000 | 6,052 |
| Premises and equipment expense | $184,000 | 5,282 |
| Additional noninterest expense | $905,000 | 3,544 |
| Pre-tax net operating income | $1,523,000 | 1,506 |
| Securities gains (losses) | $143,000 | 1,234 |
| Applicable income taxes | $593,000 | 940 |
| Income before extraordinary items | $1,073,000 | 1,740 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,073,000 | 1,737 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,073,000 | 1,739 |
| Net charge-offs | $36,000 | 5,192 |
| Cash dividends | $300,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $981,480 | 1,819 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,746,000 | 4,315 |
| Total interest expense | $584,000 | 4,417 |
| Net interest income | $1,162,000 | 4,113 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $411,000 | 2,458 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $220,000 | 1,817 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $191,000 | 2,584 |
| Total noninterest expense | $775,000 | 5,065 |
| Salaries and employee benefits | $273,000 | 6,198 |
| Premises and equipment expense | $95,000 | 5,244 |
| Additional noninterest expense | $407,000 | 3,530 |
| Pre-tax net operating income | $798,000 | 1,602 |
| Securities gains (losses) | $98,000 | 1,009 |
| Applicable income taxes | $317,000 | 1,012 |
| Income before extraordinary items | $579,000 | 1,859 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $579,000 | 1,861 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $579,000 | 1,861 |
| Net charge-offs | $10,000 | 4,758 |
| Cash dividends | $300,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $515,300 | 1,949 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,121,000 | 4,436 |
| Total interest expense | $2,431,000 | 4,814 |
| Net interest income | $4,690,000 | 4,121 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $1,686,000 | 2,415 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $939,000 | 1,852 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $747,000 | 2,534 |
| Total noninterest expense | $3,187,000 | 4,923 |
| Salaries and employee benefits | $1,176,000 | 6,046 |
| Premises and equipment expense | $366,000 | 5,326 |
| Additional noninterest expense | $1,645,000 | 3,385 |
| Pre-tax net operating income | $3,189,000 | 1,703 |
| Securities gains (losses) | $89,000 | 1,216 |
| Applicable income taxes | $996,000 | 1,202 |
| Income before extraordinary items | $2,282,000 | 1,751 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,282,000 | 1,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 5,402 |
| Cash dividends | $1,665,000 | 1,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,219,700 | 1,918 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,304,000 | 4,523 |
| Total interest expense | $1,865,000 | 4,868 |
| Net interest income | $3,439,000 | 4,206 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $1,322,000 | 2,409 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $697,000 | 1,876 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $625,000 | 2,472 |
| Total noninterest expense | $2,443,000 | 4,832 |
| Salaries and employee benefits | $911,000 | 5,948 |
| Premises and equipment expense | $280,000 | 5,284 |
| Additional noninterest expense | $1,252,000 | 3,262 |
| Pre-tax net operating income | $2,318,000 | 2,058 |
| Securities gains (losses) | $89,000 | 1,045 |
| Applicable income taxes | $678,000 | 1,570 |
| Income before extraordinary items | $1,729,000 | 2,037 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,729,000 | 2,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,727 |
| Cash dividends | $1,265,000 | 1,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,664,920 | 2,225 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,510,000 | 4,625 |
| Total interest expense | $1,286,000 | 4,914 |
| Net interest income | $2,224,000 | 4,288 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $882,000 | 2,448 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $441,000 | 1,936 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $441,000 | 2,434 |
| Total noninterest expense | $1,710,000 | 4,722 |
| Salaries and employee benefits | $614,000 | 5,983 |
| Premises and equipment expense | $186,000 | 5,334 |
| Additional noninterest expense | $910,000 | 2,983 |
| Pre-tax net operating income | $1,396,000 | 2,334 |
| Securities gains (losses) | $89,000 | 1,064 |
| Applicable income taxes | $492,000 | 1,625 |
| Income before extraordinary items | $993,000 | 2,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $993,000 | 2,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,109 |
| Cash dividends | $675,000 | 1,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $933,370 | 2,672 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 4,647 |
| Total interest expense | $728,000 | 4,785 |
| Net interest income | $1,066,000 | 4,408 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $406,000 | 2,573 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $203,000 | 2,054 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $203,000 | 2,553 |
| Total noninterest expense | $823,000 | 4,848 |
| Salaries and employee benefits | $284,000 | 6,228 |
| Premises and equipment expense | $91,000 | 5,433 |
| Additional noninterest expense | $448,000 | 2,989 |
| Pre-tax net operating income | $649,000 | 2,559 |
| Securities gains (losses) | $74,000 | 874 |
| Applicable income taxes | $190,000 | 2,042 |
| Income before extraordinary items | $533,000 | 2,550 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $533,000 | 2,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,413 |
| Cash dividends | $300,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $478,240 | 2,717 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,953,000 | 4,749 |
| Total interest expense | $2,983,000 | 4,815 |
| Net interest income | $3,970,000 | 4,650 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,544,000 | 2,660 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $809,000 | 2,118 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $735,000 | 2,689 |
| Total noninterest expense | $3,227,000 | 4,784 |
| Salaries and employee benefits | $1,208,000 | 5,967 |
| Premises and equipment expense | $361,000 | 5,319 |
| Additional noninterest expense | $1,658,000 | 3,142 |
| Pre-tax net operating income | $2,287,000 | 3,025 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $683,000 | 2,331 |
| Income before extraordinary items | $1,604,000 | 3,288 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,604,000 | 3,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,378 |
| Cash dividends | $1,725,000 | 1,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,604,000 | 3,273 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,163,000 | 4,800 |
| Total interest expense | $2,188,000 | 4,893 |
| Net interest income | $2,975,000 | 4,660 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,128,000 | 2,692 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $572,000 | 2,203 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $556,000 | 2,676 |
| Total noninterest expense | $2,419,000 | 4,760 |
| Salaries and employee benefits | $919,000 | 5,896 |
| Premises and equipment expense | $270,000 | 5,315 |
| Additional noninterest expense | $1,230,000 | 3,117 |
| Pre-tax net operating income | $1,684,000 | 3,225 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $556,000 | 2,402 |
| Income before extraordinary items | $1,128,000 | 3,624 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,128,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,157 |
| Cash dividends | $1,425,000 | 1,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,128,000 | 3,605 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,406,000 | 4,848 |
| Total interest expense | $1,429,000 | 4,939 |
| Net interest income | $1,977,000 | 4,702 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $714,000 | 2,792 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $376,000 | 2,222 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $338,000 | 2,834 |
| Total noninterest expense | $1,622,000 | 4,771 |
| Salaries and employee benefits | $630,000 | 5,862 |
| Premises and equipment expense | $183,000 | 5,293 |
| Additional noninterest expense | $809,000 | 3,161 |
| Pre-tax net operating income | $1,069,000 | 3,375 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $352,000 | 2,546 |
| Income before extraordinary items | $717,000 | 3,764 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $717,000 | 3,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 2,240 |
| Cash dividends | $800,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $717,000 | 3,748 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,646,000 | 4,950 |
| Total interest expense | $703,000 | 4,961 |
| Net interest income | $943,000 | 4,859 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $358,000 | 2,770 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $183,000 | 2,224 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $175,000 | 2,753 |
| Total noninterest expense | $811,000 | 4,771 |
| Salaries and employee benefits | $295,000 | 6,103 |
| Premises and equipment expense | $97,000 | 5,145 |
| Additional noninterest expense | $419,000 | 3,049 |
| Pre-tax net operating income | $490,000 | 3,570 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $161,000 | 2,669 |
| Income before extraordinary items | $329,000 | 3,965 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $329,000 | 3,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 1,293 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $329,000 | 3,943 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,752,000 | 4,664 |
| Total interest expense | $2,547,000 | 4,768 |
| Net interest income | $4,205,000 | 4,521 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,613,000 | 2,577 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $790,000 | 2,130 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $823,000 | 2,543 |
| Total noninterest expense | $3,323,000 | 4,553 |
| Salaries and employee benefits | $1,182,000 | 5,959 |
| Premises and equipment expense | $360,000 | 5,247 |
| Additional noninterest expense | $1,781,000 | 2,846 |
| Pre-tax net operating income | $2,495,000 | 3,132 |
| Securities gains (losses) | $4,000 | 1,309 |
| Applicable income taxes | $819,000 | 2,440 |
| Income before extraordinary items | $1,680,000 | 3,512 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,680,000 | 3,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,380 |
| Cash dividends | $1,685,000 | 1,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,677,320 | 3,497 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,100,000 | 4,640 |
| Total interest expense | $1,839,000 | 4,791 |
| Net interest income | $3,261,000 | 4,470 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,215,000 | 2,581 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $571,000 | 2,222 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $644,000 | 2,454 |
| Total noninterest expense | $2,505,000 | 4,531 |
| Salaries and employee benefits | $895,000 | 5,893 |
| Premises and equipment expense | $274,000 | 5,213 |
| Additional noninterest expense | $1,336,000 | 2,835 |
| Pre-tax net operating income | $1,971,000 | 3,153 |
| Securities gains (losses) | $4,000 | 1,079 |
| Applicable income taxes | $648,000 | 2,481 |
| Income before extraordinary items | $1,327,000 | 3,488 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,327,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $1,200,000 | 1,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,324,320 | 3,478 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,320,000 | 4,664 |
| Total interest expense | $1,129,000 | 4,905 |
| Net interest income | $2,191,000 | 4,459 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $751,000 | 2,707 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $356,000 | 2,320 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $395,000 | 2,577 |
| Total noninterest expense | $1,647,000 | 4,585 |
| Salaries and employee benefits | $603,000 | 5,901 |
| Premises and equipment expense | $180,000 | 5,255 |
| Additional noninterest expense | $864,000 | 2,925 |
| Pre-tax net operating income | $1,295,000 | 3,190 |
| Securities gains (losses) | $4,000 | 883 |
| Applicable income taxes | $423,000 | 2,532 |
| Income before extraordinary items | $876,000 | 3,515 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $876,000 | 3,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $700,000 | 1,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $873,320 | 3,514 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,712,000 | 4,523 |
| Total interest expense | $552,000 | 4,835 |
| Net interest income | $1,160,000 | 4,255 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $338,000 | 2,851 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $169,000 | 2,357 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $169,000 | 2,759 |
| Total noninterest expense | $816,000 | 4,623 |
| Salaries and employee benefits | $307,000 | 5,861 |
| Premises and equipment expense | $90,000 | 5,271 |
| Additional noninterest expense | $419,000 | 2,992 |
| Pre-tax net operating income | $682,000 | 3,022 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $221,000 | 2,468 |
| Income before extraordinary items | $461,000 | 3,358 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $461,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $461,000 | 3,337 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,042,000 | 4,582 |
| Total interest expense | $1,609,000 | 5,060 |
| Net interest income | $4,433,000 | 4,305 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,590,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $717,000 | 2,298 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $873,000 | 2,411 |
| Total noninterest expense | $3,285,000 | 4,493 |
| Salaries and employee benefits | $1,284,000 | 5,567 |
| Premises and equipment expense | $294,000 | 5,790 |
| Additional noninterest expense | $1,707,000 | 2,909 |
| Pre-tax net operating income | $2,738,000 | 2,971 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $880,000 | 2,448 |
| Income before extraordinary items | $1,858,000 | 3,277 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,858,000 | 3,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,288 |
| Cash dividends | $2,150,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,858,000 | 3,248 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,457,000 | 4,587 |
| Total interest expense | $1,088,000 | 5,210 |
| Net interest income | $3,369,000 | 4,272 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,187,000 | 2,604 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $538,000 | 2,299 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $649,000 | 2,430 |
| Total noninterest expense | $2,420,000 | 4,526 |
| Salaries and employee benefits | $940,000 | 5,625 |
| Premises and equipment expense | $220,000 | 5,802 |
| Additional noninterest expense | $1,260,000 | 2,919 |
| Pre-tax net operating income | $2,136,000 | 2,910 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $688,000 | 2,421 |
| Income before extraordinary items | $1,448,000 | 3,209 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,448,000 | 3,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,590 |
| Cash dividends | $1,900,000 | 1,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,448,000 | 3,175 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,993,000 | 4,511 |
| Total interest expense | $661,000 | 5,306 |
| Net interest income | $2,332,000 | 4,141 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $806,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $354,000 | 2,288 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $452,000 | 2,346 |
| Total noninterest expense | $1,619,000 | 4,500 |
| Salaries and employee benefits | $623,000 | 5,631 |
| Premises and equipment expense | $156,000 | 5,596 |
| Additional noninterest expense | $840,000 | 2,889 |
| Pre-tax net operating income | $1,519,000 | 2,723 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $490,000 | 2,300 |
| Income before extraordinary items | $1,029,000 | 3,021 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,029,000 | 3,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,846 |
| Cash dividends | $1,300,000 | 1,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,029,000 | 2,979 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,622,000 | 4,233 |
| Total interest expense | $323,000 | 5,284 |
| Net interest income | $1,299,000 | 3,796 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $391,000 | 2,529 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $171,000 | 2,297 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $220,000 | 2,340 |
| Total noninterest expense | $806,000 | 4,544 |
| Salaries and employee benefits | $303,000 | 5,756 |
| Premises and equipment expense | $103,000 | 4,762 |
| Additional noninterest expense | $400,000 | 3,010 |
| Pre-tax net operating income | $884,000 | 2,380 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $289,000 | 2,030 |
| Income before extraordinary items | $595,000 | 2,639 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $595,000 | 2,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $1,000,000 | 642 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $595,000 | 2,600 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,492,000 | 4,547 |
| Total interest expense | $1,231,000 | 5,047 |
| Net interest income | $4,261,000 | 4,288 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,380,000 | 2,842 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $670,000 | 2,477 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $710,000 | 2,686 |
| Total noninterest expense | $3,305,000 | 4,359 |
| Salaries and employee benefits | $1,488,000 | 4,980 |
| Premises and equipment expense | $249,000 | 6,197 |
| Additional noninterest expense | $1,568,000 | 3,019 |
| Pre-tax net operating income | $2,336,000 | 3,170 |
| Securities gains (losses) | $25,000 | 2,257 |
| Applicable income taxes | $740,000 | 2,658 |
| Income before extraordinary items | $1,621,000 | 3,430 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,621,000 | 3,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $1,068,000 | 2,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,603,750 | 3,399 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,100,000 | 4,535 |
| Total interest expense | $901,000 | 5,083 |
| Net interest income | $3,199,000 | 4,284 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,019,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $502,000 | 2,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $517,000 | 2,738 |
| Total noninterest expense | $2,528,000 | 4,265 |
| Salaries and employee benefits | $1,156,000 | 4,804 |
| Premises and equipment expense | $194,000 | 6,091 |
| Additional noninterest expense | $1,178,000 | 2,989 |
| Pre-tax net operating income | $1,690,000 | 3,309 |
| Securities gains (losses) | $25,000 | 2,158 |
| Applicable income taxes | $567,000 | 2,679 |
| Income before extraordinary items | $1,148,000 | 3,658 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,148,000 | 3,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $568,000 | 2,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,131,250 | 3,622 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,542,000 | 4,785 |
| Total interest expense | $596,000 | 5,118 |
| Net interest income | $1,946,000 | 4,562 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $689,000 | 2,866 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $328,000 | 2,527 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $361,000 | 2,681 |
| Total noninterest expense | $1,703,000 | 4,256 |
| Salaries and employee benefits | $786,000 | 4,779 |
| Premises and equipment expense | $131,000 | 6,070 |
| Additional noninterest expense | $786,000 | 2,981 |
| Pre-tax net operating income | $932,000 | 3,705 |
| Securities gains (losses) | $25,000 | 1,902 |
| Applicable income taxes | $289,000 | 3,139 |
| Income before extraordinary items | $668,000 | 3,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $668,000 | 3,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,878 |
| Cash dividends | $379,000 | 2,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $650,500 | 3,941 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,291,000 | 4,745 |
| Total interest expense | $296,000 | 5,202 |
| Net interest income | $995,000 | 4,500 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $306,000 | 3,062 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $155,000 | 2,607 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $151,000 | 2,933 |
| Total noninterest expense | $851,000 | 4,284 |
| Salaries and employee benefits | $417,000 | 4,594 |
| Premises and equipment expense | $65,000 | 6,100 |
| Additional noninterest expense | $369,000 | 3,133 |
| Pre-tax net operating income | $450,000 | 3,785 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $133,000 | 3,317 |
| Income before extraordinary items | $320,000 | 4,097 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $320,000 | 4,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,177 |
| Cash dividends | $189,000 | 2,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $317,870 | 3,984 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,517,000 | 4,562 |
| Total interest expense | $1,377,000 | 5,144 |
| Net interest income | $4,140,000 | 4,257 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $1,471,000 | 2,883 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $672,000 | 2,445 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $799,000 | 2,742 |
| Total noninterest expense | $3,464,000 | 4,154 |
| Salaries and employee benefits | $1,655,000 | 4,527 |
| Premises and equipment expense | $285,000 | 5,813 |
| Additional noninterest expense | $1,524,000 | 3,034 |
| Pre-tax net operating income | $2,147,000 | 3,234 |
| Securities gains (losses) | $87,000 | 2,013 |
| Applicable income taxes | $692,000 | 2,822 |
| Income before extraordinary items | $1,542,000 | 3,499 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,542,000 | 3,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,791 |
| Cash dividends | $3,893,000 | 813 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,481,970 | 3,434 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,151,000 | 4,605 |
| Total interest expense | $1,055,000 | 5,222 |
| Net interest income | $3,096,000 | 4,287 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,114,000 | 2,927 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $489,000 | 2,522 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $625,000 | 2,765 |
| Total noninterest expense | $2,615,000 | 4,101 |
| Salaries and employee benefits | $1,257,000 | 4,464 |
| Premises and equipment expense | $221,000 | 5,697 |
| Additional noninterest expense | $1,137,000 | 3,039 |
| Pre-tax net operating income | $1,595,000 | 3,394 |
| Securities gains (losses) | $82,000 | 1,915 |
| Applicable income taxes | $521,000 | 2,955 |
| Income before extraordinary items | $1,156,000 | 3,601 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,156,000 | 3,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,447 |
| Cash dividends | $969,000 | 1,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,099,420 | 3,566 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,769,000 | 4,649 |
| Total interest expense | $716,000 | 5,264 |
| Net interest income | $2,053,000 | 4,318 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $738,000 | 2,910 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $314,000 | 2,558 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $424,000 | 2,695 |
| Total noninterest expense | $1,743,000 | 4,107 |
| Salaries and employee benefits | $836,000 | 4,471 |
| Premises and equipment expense | $154,000 | 5,570 |
| Additional noninterest expense | $753,000 | 3,026 |
| Pre-tax net operating income | $1,048,000 | 3,405 |
| Securities gains (losses) | $74,000 | 1,751 |
| Applicable income taxes | $350,000 | 2,946 |
| Income before extraordinary items | $772,000 | 3,608 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $772,000 | 3,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 2,159 |
| Cash dividends | $647,000 | 1,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $720,940 | 3,590 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,381,000 | 4,670 |
| Total interest expense | $363,000 | 5,337 |
| Net interest income | $1,018,000 | 4,348 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $363,000 | 2,841 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $151,000 | 2,574 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $212,000 | 2,624 |
| Total noninterest expense | $889,000 | 4,033 |
| Salaries and employee benefits | $427,000 | 4,414 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $378,000 | 2,996 |
| Pre-tax net operating income | $492,000 | 3,540 |
| Securities gains (losses) | $74,000 | 1,165 |
| Applicable income taxes | $178,000 | 2,900 |
| Income before extraordinary items | $388,000 | 3,539 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $388,000 | 3,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,377 |
| Cash dividends | $323,000 | 1,690 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $336,940 | 3,740 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,090,000 | 4,508 |
| Total interest expense | $1,700,000 | 5,331 |
| Net interest income | $4,390,000 | 4,075 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $1,064,000 | 3,332 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $631,000 | 2,475 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $433,000 | 3,544 |
| Total noninterest expense | $3,289,000 | 4,154 |
| Salaries and employee benefits | $1,534,000 | 4,616 |
| Premises and equipment expense | $341,000 | 5,172 |
| Additional noninterest expense | $1,414,000 | 3,101 |
| Pre-tax net operating income | $1,985,000 | 3,447 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $615,000 | 3,081 |
| Income before extraordinary items | $1,370,000 | 3,751 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,370,000 | 3,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,158 |
| Cash dividends | $1,400,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,370,000 | 3,634 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,460,000 | 4,250 |
| Total interest expense | $2,950,000 | 4,792 |
| Net interest income | $4,510,000 | 3,759 |
| Provision for loan and lease losses | $540,000 | 2,073 |
| Total noninterest income | $1,083,000 | 3,161 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $612,000 | 2,398 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $471,000 | 3,232 |
| Total noninterest expense | $3,087,000 | 4,236 |
| Salaries and employee benefits | $1,428,000 | 4,683 |
| Premises and equipment expense | $309,000 | 5,432 |
| Additional noninterest expense | $1,350,000 | 3,152 |
| Pre-tax net operating income | $1,966,000 | 3,207 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $575,000 | 3,047 |
| Income before extraordinary items | $1,391,000 | 3,415 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,391,000 | 3,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 2,365 |
| Cash dividends | $2,679,000 | 1,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,391,000 | 3,316 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,694,000 | 3,850 |
| Total interest expense | $4,210,000 | 3,820 |
| Net interest income | $4,484,000 | 3,809 |
| Provision for loan and lease losses | $690,000 | 1,435 |
| Total noninterest income | $909,000 | 3,367 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $520,000 | 2,600 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $389,000 | 3,416 |
| Total noninterest expense | $3,372,000 | 3,845 |
| Salaries and employee benefits | $1,531,000 | 4,293 |
| Premises and equipment expense | $343,000 | 5,001 |
| Additional noninterest expense | $1,498,000 | 2,823 |
| Pre-tax net operating income | $1,331,000 | 4,428 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $381,000 | 4,080 |
| Income before extraordinary items | $950,000 | 4,532 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $950,000 | 4,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,930 |
| Cash dividends | $820,000 | 2,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $950,000 | 4,527 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,717,000 | 3,620 |
| Total interest expense | $3,861,000 | 3,693 |
| Net interest income | $4,856,000 | 3,537 |
| Provision for loan and lease losses | $336,000 | 2,433 |
| Total noninterest income | $786,000 | 3,662 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $488,000 | 2,685 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $298,000 | 4,034 |
| Total noninterest expense | $3,173,000 | 4,030 |
| Salaries and employee benefits | $1,590,000 | 4,142 |
| Premises and equipment expense | $362,000 | 4,853 |
| Additional noninterest expense | $1,221,000 | 3,374 |
| Pre-tax net operating income | $2,133,000 | 3,177 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $686,000 | 2,945 |
| Income before extraordinary items | $1,447,000 | 3,327 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,447,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $379,000 | 1,514 |
| Cash dividends | $1,035,000 | 2,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,447,000 | 3,287 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,285,000 | 3,824 |
| Total interest expense | $3,786,000 | 3,851 |
| Net interest income | $4,499,000 | 3,734 |
| Provision for loan and lease losses | $144,000 | 4,268 |
| Total noninterest income | $528,000 | 4,788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 2,950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,607 |
| Total noninterest expense | $3,091,000 | 4,015 |
| Salaries and employee benefits | $1,491,000 | 4,260 |
| Premises and equipment expense | $384,000 | 4,575 |
| Additional noninterest expense | $1,216,000 | 3,329 |
| Pre-tax net operating income | $1,792,000 | 3,646 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $571,000 | 3,525 |
| Income before extraordinary items | $1,221,000 | 3,876 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,221,000 | 3,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,854 |
| Cash dividends | $935,000 | 2,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,221,000 | 3,782 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,468,000 | 4,252 |
| Total interest expense | $3,111,000 | 4,563 |
| Net interest income | $4,357,000 | 3,922 |
| Provision for loan and lease losses | $90,000 | 5,371 |
| Total noninterest income | $472,000 | 5,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,917 |
| Total noninterest expense | $3,208,000 | 3,885 |
| Salaries and employee benefits | $1,552,000 | 4,131 |
| Premises and equipment expense | $488,000 | 3,787 |
| Additional noninterest expense | $1,168,000 | 3,424 |
| Pre-tax net operating income | $1,531,000 | 4,418 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $583,000 | 3,774 |
| Income before extraordinary items | $948,000 | 4,883 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $948,000 | 4,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,192 |
| Cash dividends | $884,000 | 2,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $948,000 | 4,823 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,054,000 | 4,543 |
| Total interest expense | $2,843,000 | 5,011 |
| Net interest income | $4,211,000 | 4,129 |
| Provision for loan and lease losses | $334,000 | 2,394 |
| Total noninterest income | $439,000 | 5,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $372,000 | 3,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 8,207 |
| Total noninterest expense | $2,751,000 | 4,629 |
| Salaries and employee benefits | $1,519,000 | 4,257 |
| Premises and equipment expense | $405,000 | 4,499 |
| Additional noninterest expense | $827,000 | 5,082 |
| Pre-tax net operating income | $1,565,000 | 4,189 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $520,000 | 4,023 |
| Income before extraordinary items | $1,045,000 | 4,316 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,045,000 | 4,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,232 |
| Cash dividends | $738,000 | 2,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,045,000 | 4,266 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,360,000 | 4,940 |
| Total interest expense | $2,734,000 | 5,170 |
| Net interest income | $3,626,000 | 4,705 |
| Provision for loan and lease losses | $75,000 | 5,235 |
| Total noninterest income | $428,000 | 5,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $379,000 | 3,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 9,276 |
| Total noninterest expense | $2,372,000 | 5,221 |
| Salaries and employee benefits | $1,343,000 | 4,737 |
| Premises and equipment expense | $329,000 | 5,259 |
| Additional noninterest expense | $700,000 | 5,844 |
| Pre-tax net operating income | $1,607,000 | 4,215 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $594,000 | 3,683 |
| Income before extraordinary items | $1,013,000 | 4,554 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,013,000 | 4,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,566 |
| Cash dividends | $436,000 | 3,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,013,000 | 4,542 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,204,000 | 5,483 |
| Total interest expense | $1,899,000 | 5,835 |
| Net interest income | $3,305,000 | 5,195 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $423,000 | 5,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $363,000 | 3,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,091 |
| Total noninterest expense | $2,185,000 | 5,784 |
| Salaries and employee benefits | $1,171,000 | 5,362 |
| Premises and equipment expense | $299,000 | 5,731 |
| Additional noninterest expense | $715,000 | 6,212 |
| Pre-tax net operating income | $1,423,000 | 4,615 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $528,000 | 3,898 |
| Income before extraordinary items | $895,000 | 4,939 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $895,000 | 4,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,975 |
| Cash dividends | $357,000 | 4,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $895,000 | 4,997 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,010,000 | 5,778 |
| Total interest expense | $1,835,000 | 6,254 |
| Net interest income | $3,175,000 | 5,401 |
| Provision for loan and lease losses | $163,000 | 4,438 |
| Total noninterest income | $403,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $350,000 | 3,870 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,919 |
| Total noninterest expense | $2,045,000 | 6,212 |
| Salaries and employee benefits | $1,097,000 | 5,658 |
| Premises and equipment expense | $244,000 | 6,805 |
| Additional noninterest expense | $704,000 | 6,527 |
| Pre-tax net operating income | $1,370,000 | 4,669 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $524,000 | 4,013 |
| Income before extraordinary items | $855,000 | 5,286 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $855,000 | 5,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 7,969 |
| Cash dividends | $314,000 | 4,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $849,240 | 5,094 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,122,000 | 6,270 |
| Total interest expense | $2,184,000 | 6,655 |
| Net interest income | $2,938,000 | 5,810 |
| Provision for loan and lease losses | $121,000 | 6,692 |
| Total noninterest income | $350,000 | 7,120 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,456 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $2,026,000 | 6,313 |
| Salaries and employee benefits | $1,099,000 | 5,587 |
| Premises and equipment expense | $270,000 | 6,436 |
| Additional noninterest expense | $657,000 | 7,054 |
| Pre-tax net operating income | $1,141,000 | 5,124 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $411,000 | 4,684 |
| Income before extraordinary items | $731,000 | 5,735 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $731,000 | 5,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 6,938 |
| Cash dividends | $278,000 | 4,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $730,360 | 5,401 |
* 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.