Home > The Somerville Bank & Trust Company > Income and Expense
The Somerville Bank & Trust Company, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $5,572,000 | 3,809 |
| Total interest expense | $752,000 | 3,586 |
| Net interest income | $4,820,000 | 3,782 |
| Provision for loan and lease losses | $-118,000 | 6,406 |
| Total noninterest income | $427,000 | 4,649 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $390,000 | 2,871 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $37,000 | 6,021 |
| Total noninterest expense | $3,545,000 | 4,225 |
| Salaries and employee benefits | $2,119,000 | 3,947 |
| Premises and equipment expense | $311,000 | 4,774 |
| Additional noninterest expense | $1,115,000 | 4,357 |
| Pre-tax net operating income | $1,820,000 | 3,037 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $638,000 | 1,908 |
| Income before extraordinary items | $1,182,000 | 3,589 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,182,000 | 3,591 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,182,000 | 3,593 |
| Net charge-offs | $88,000 | 3,878 |
| Cash dividends | $500,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,182,000 | 3,549 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,188,000 | 3,838 |
| Total interest expense | $592,000 | 3,562 |
| Net interest income | $3,596,000 | 3,822 |
| Provision for loan and lease losses | $-125,000 | 6,584 |
| Total noninterest income | $331,000 | 4,657 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $293,000 | 2,883 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $38,000 | 5,940 |
| Total noninterest expense | $2,654,000 | 4,238 |
| Salaries and employee benefits | $1,604,000 | 3,931 |
| Premises and equipment expense | $215,000 | 4,986 |
| Additional noninterest expense | $835,000 | 4,376 |
| Pre-tax net operating income | $1,398,000 | 3,048 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $490,000 | 1,929 |
| Income before extraordinary items | $908,000 | 3,594 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $908,000 | 3,596 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $908,000 | 3,598 |
| Net charge-offs | $73,000 | 3,565 |
| Cash dividends | $500,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $908,000 | 3,521 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,799,000 | 3,837 |
| Total interest expense | $414,000 | 3,517 |
| Net interest income | $2,385,000 | 3,830 |
| Provision for loan and lease losses | $-97,000 | 6,674 |
| Total noninterest income | $229,000 | 4,650 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $196,000 | 2,830 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $33,000 | 5,807 |
| Total noninterest expense | $1,773,000 | 4,252 |
| Salaries and employee benefits | $1,094,000 | 3,900 |
| Premises and equipment expense | $136,000 | 5,093 |
| Additional noninterest expense | $543,000 | 4,438 |
| Pre-tax net operating income | $938,000 | 3,013 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $331,000 | 1,920 |
| Income before extraordinary items | $607,000 | 3,585 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $607,000 | 3,587 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $607,000 | 3,588 |
| Net charge-offs | $33,000 | 3,680 |
| Cash dividends | $500,000 | 1,684 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $607,000 | 3,483 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,398,000 | 3,871 |
| Total interest expense | $221,000 | 3,450 |
| Net interest income | $1,177,000 | 3,881 |
| Provision for loan and lease losses | $-70,000 | 6,827 |
| Total noninterest income | $130,000 | 4,425 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $100,000 | 2,779 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $30,000 | 5,316 |
| Total noninterest expense | $905,000 | 4,237 |
| Salaries and employee benefits | $578,000 | 3,799 |
| Premises and equipment expense | $64,000 | 5,217 |
| Additional noninterest expense | $263,000 | 4,530 |
| Pre-tax net operating income | $472,000 | 2,979 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $174,000 | 1,839 |
| Income before extraordinary items | $298,000 | 3,576 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $298,000 | 3,577 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $298,000 | 3,578 |
| Net charge-offs | $37,000 | 2,639 |
| Cash dividends | $250,000 | 1,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $298,000 | 3,485 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,062,000 | 3,807 |
| Total interest expense | $1,108,000 | 3,365 |
| Net interest income | $4,954,000 | 3,841 |
| Provision for loan and lease losses | $-159,000 | 6,913 |
| Total noninterest income | $469,000 | 4,596 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $414,000 | 2,862 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $55,000 | 5,791 |
| Total noninterest expense | $3,740,000 | 4,225 |
| Salaries and employee benefits | $2,129,000 | 3,988 |
| Premises and equipment expense | $345,000 | 4,646 |
| Additional noninterest expense | $1,266,000 | 4,223 |
| Pre-tax net operating income | $1,842,000 | 2,972 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $643,000 | 1,925 |
| Income before extraordinary items | $1,199,000 | 3,549 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,199,000 | 3,551 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,199,000 | 3,552 |
| Net charge-offs | $-3,000 | 6,454 |
| Cash dividends | $875,000 | 2,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,199,000 | 3,393 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,566,000 | 3,862 |
| Total interest expense | $856,000 | 3,419 |
| Net interest income | $3,710,000 | 3,906 |
| Provision for loan and lease losses | $-78,000 | 7,011 |
| Total noninterest income | $428,000 | 4,310 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $308,000 | 2,913 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $120,000 | 4,892 |
| Total noninterest expense | $2,799,000 | 4,241 |
| Salaries and employee benefits | $1,594,000 | 3,994 |
| Premises and equipment expense | $263,000 | 4,670 |
| Additional noninterest expense | $942,000 | 4,267 |
| Pre-tax net operating income | $1,417,000 | 3,000 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $492,000 | 1,960 |
| Income before extraordinary items | $925,000 | 3,582 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $925,000 | 3,582 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $925,000 | 3,584 |
| Net charge-offs | $8,000 | 5,367 |
| Cash dividends | $625,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $925,000 | 3,430 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,068,000 | 3,871 |
| Total interest expense | $587,000 | 3,451 |
| Net interest income | $2,481,000 | 3,913 |
| Provision for loan and lease losses | $-36,000 | 7,063 |
| Total noninterest income | $316,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $198,000 | 2,975 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $118,000 | 4,421 |
| Total noninterest expense | $1,869,000 | 4,254 |
| Salaries and employee benefits | $1,066,000 | 4,014 |
| Premises and equipment expense | $181,000 | 4,608 |
| Additional noninterest expense | $622,000 | 4,303 |
| Pre-tax net operating income | $964,000 | 2,918 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $356,000 | 1,861 |
| Income before extraordinary items | $608,000 | 3,621 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $608,000 | 3,622 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $608,000 | 3,623 |
| Net charge-offs | $23,000 | 4,558 |
| Cash dividends | $375,000 | 1,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $608,000 | 3,440 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 3,887 |
| Total interest expense | $304,000 | 3,486 |
| Net interest income | $1,247,000 | 3,919 |
| Provision for loan and lease losses | $-37,000 | 7,161 |
| Total noninterest income | $200,000 | 3,646 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $91,000 | 3,138 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $109,000 | 3,574 |
| Total noninterest expense | $952,000 | 4,220 |
| Salaries and employee benefits | $529,000 | 4,066 |
| Premises and equipment expense | $87,000 | 4,720 |
| Additional noninterest expense | $336,000 | 4,091 |
| Pre-tax net operating income | $532,000 | 2,755 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $203,000 | 1,706 |
| Income before extraordinary items | $329,000 | 3,461 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $329,000 | 3,464 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $329,000 | 3,464 |
| Net charge-offs | $19,000 | 3,713 |
| Cash dividends | $125,000 | 1,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $329,000 | 3,284 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,693,000 | 3,790 |
| Total interest expense | $1,432,000 | 3,564 |
| Net interest income | $5,261,000 | 3,783 |
| Provision for loan and lease losses | $111,000 | 5,252 |
| Total noninterest income | $415,000 | 4,713 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $383,000 | 3,121 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $32,000 | 6,182 |
| Total noninterest expense | $3,909,000 | 4,178 |
| Salaries and employee benefits | $2,066,000 | 4,096 |
| Premises and equipment expense | $426,000 | 4,426 |
| Additional noninterest expense | $1,417,000 | 4,008 |
| Pre-tax net operating income | $1,656,000 | 2,864 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $604,000 | 1,841 |
| Income before extraordinary items | $1,052,000 | 3,455 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,052,000 | 3,457 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,052,000 | 3,458 |
| Net charge-offs | $91,000 | 5,066 |
| Cash dividends | $375,000 | 2,757 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,052,000 | 3,336 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,074,000 | 3,808 |
| Total interest expense | $1,111,000 | 3,591 |
| Net interest income | $3,963,000 | 3,787 |
| Provision for loan and lease losses | $129,000 | 4,707 |
| Total noninterest income | $315,000 | 4,747 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $281,000 | 3,173 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $34,000 | 6,085 |
| Total noninterest expense | $3,052,000 | 4,066 |
| Salaries and employee benefits | $1,555,000 | 4,081 |
| Premises and equipment expense | $316,000 | 4,502 |
| Additional noninterest expense | $1,181,000 | 3,730 |
| Pre-tax net operating income | $1,097,000 | 3,147 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $370,000 | 2,026 |
| Income before extraordinary items | $727,000 | 3,686 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $727,000 | 3,689 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $727,000 | 3,688 |
| Net charge-offs | $81,000 | 4,621 |
| Cash dividends | $375,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $727,000 | 3,578 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 3,817 |
| Total interest expense | $770,000 | 3,596 |
| Net interest income | $2,647,000 | 3,805 |
| Provision for loan and lease losses | $97,000 | 4,442 |
| Total noninterest income | $241,000 | 4,537 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $184,000 | 3,179 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $57,000 | 5,318 |
| Total noninterest expense | $2,097,000 | 4,049 |
| Salaries and employee benefits | $1,040,000 | 4,094 |
| Premises and equipment expense | $210,000 | 4,551 |
| Additional noninterest expense | $847,000 | 3,600 |
| Pre-tax net operating income | $694,000 | 3,204 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $237,000 | 2,041 |
| Income before extraordinary items | $457,000 | 3,755 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $457,000 | 3,755 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $457,000 | 3,756 |
| Net charge-offs | $37,000 | 4,702 |
| Cash dividends | $250,000 | 2,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $457,000 | 3,648 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,726,000 | 3,814 |
| Total interest expense | $400,000 | 3,607 |
| Net interest income | $1,326,000 | 3,790 |
| Provision for loan and lease losses | $146,000 | 2,933 |
| Total noninterest income | $120,000 | 4,596 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $95,000 | 3,089 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $25,000 | 5,598 |
| Total noninterest expense | $1,071,000 | 4,007 |
| Salaries and employee benefits | $521,000 | 4,114 |
| Premises and equipment expense | $107,000 | 4,537 |
| Additional noninterest expense | $443,000 | 3,491 |
| Pre-tax net operating income | $229,000 | 3,999 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $73,000 | 2,521 |
| Income before extraordinary items | $156,000 | 4,380 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $156,000 | 4,379 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $156,000 | 4,380 |
| Net charge-offs | $21,000 | 4,005 |
| Cash dividends | $125,000 | 1,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $156,000 | 4,317 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,643,000 | 3,667 |
| Total interest expense | $1,898,000 | 3,698 |
| Net interest income | $5,745,000 | 3,585 |
| Provision for loan and lease losses | $-482,000 | 7,633 |
| Total noninterest income | $494,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $454,000 | 2,832 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $40,000 | 6,266 |
| Total noninterest expense | $3,961,000 | 4,241 |
| Salaries and employee benefits | $2,057,000 | 4,143 |
| Premises and equipment expense | $457,000 | 4,417 |
| Additional noninterest expense | $1,447,000 | 4,103 |
| Pre-tax net operating income | $2,760,000 | 1,743 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $973,000 | 1,247 |
| Income before extraordinary items | $1,787,000 | 2,212 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,787,000 | 2,214 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,787,000 | 2,215 |
| Net charge-offs | $168,000 | 4,940 |
| Cash dividends | $1,000,000 | 1,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,787,000 | 2,129 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,813,000 | 3,705 |
| Total interest expense | $1,473,000 | 3,752 |
| Net interest income | $4,340,000 | 3,610 |
| Provision for loan and lease losses | $-620,000 | 7,744 |
| Total noninterest income | $395,000 | 4,538 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $352,000 | 2,815 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $43,000 | 6,143 |
| Total noninterest expense | $2,918,000 | 4,308 |
| Salaries and employee benefits | $1,544,000 | 4,185 |
| Premises and equipment expense | $339,000 | 4,515 |
| Additional noninterest expense | $1,035,000 | 4,209 |
| Pre-tax net operating income | $2,437,000 | 1,621 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $890,000 | 1,097 |
| Income before extraordinary items | $1,547,000 | 2,088 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,547,000 | 2,089 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,547,000 | 2,090 |
| Net charge-offs | $98,000 | 4,923 |
| Cash dividends | $750,000 | 1,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,547,000 | 1,991 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,876,000 | 3,738 |
| Total interest expense | $1,012,000 | 3,770 |
| Net interest income | $2,864,000 | 3,640 |
| Provision for loan and lease losses | $-642,000 | 7,813 |
| Total noninterest income | $272,000 | 4,460 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $233,000 | 2,857 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $39,000 | 5,874 |
| Total noninterest expense | $1,975,000 | 4,277 |
| Salaries and employee benefits | $1,027,000 | 4,215 |
| Premises and equipment expense | $234,000 | 4,445 |
| Additional noninterest expense | $714,000 | 4,093 |
| Pre-tax net operating income | $1,803,000 | 1,447 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $645,000 | 1,004 |
| Income before extraordinary items | $1,158,000 | 1,862 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,158,000 | 1,861 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,158,000 | 1,862 |
| Net charge-offs | $76,000 | 4,521 |
| Cash dividends | $500,000 | 1,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,158,000 | 1,776 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,999,000 | 3,713 |
| Total interest expense | $528,000 | 3,782 |
| Net interest income | $1,471,000 | 3,606 |
| Provision for loan and lease losses | $-676,000 | 7,917 |
| Total noninterest income | $148,000 | 4,310 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $118,000 | 2,818 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $30,000 | 5,438 |
| Total noninterest expense | $1,003,000 | 4,275 |
| Salaries and employee benefits | $506,000 | 4,320 |
| Premises and equipment expense | $113,000 | 4,622 |
| Additional noninterest expense | $384,000 | 3,905 |
| Pre-tax net operating income | $1,292,000 | 1,026 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $473,000 | 737 |
| Income before extraordinary items | $819,000 | 1,342 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $819,000 | 1,345 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $819,000 | 1,344 |
| Net charge-offs | $44,000 | 3,838 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $819,000 | 1,298 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,252,000 | 3,736 |
| Total interest expense | $2,949,000 | 3,450 |
| Net interest income | $5,303,000 | 3,796 |
| Provision for loan and lease losses | $236,000 | 5,589 |
| Total noninterest income | $641,000 | 4,241 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $573,000 | 2,619 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $68,000 | 6,067 |
| Total noninterest expense | $4,196,000 | 4,211 |
| Salaries and employee benefits | $2,066,000 | 4,251 |
| Premises and equipment expense | $378,000 | 5,135 |
| Additional noninterest expense | $1,752,000 | 3,670 |
| Pre-tax net operating income | $1,512,000 | 2,336 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $524,000 | 1,509 |
| Income before extraordinary items | $988,000 | 2,796 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $988,000 | 2,795 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $988,000 | 2,796 |
| Net charge-offs | $239,000 | 4,782 |
| Cash dividends | $750,000 | 2,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $988,000 | 2,739 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,198,000 | 3,768 |
| Total interest expense | $2,314,000 | 3,469 |
| Net interest income | $3,884,000 | 3,862 |
| Provision for loan and lease losses | $14,000 | 7,044 |
| Total noninterest income | $483,000 | 4,290 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $431,000 | 2,621 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $52,000 | 6,183 |
| Total noninterest expense | $3,104,000 | 4,262 |
| Salaries and employee benefits | $1,572,000 | 4,239 |
| Premises and equipment expense | $253,000 | 5,443 |
| Additional noninterest expense | $1,279,000 | 3,703 |
| Pre-tax net operating income | $1,249,000 | 2,366 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $440,000 | 1,534 |
| Income before extraordinary items | $809,000 | 2,838 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $809,000 | 2,835 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $809,000 | 2,838 |
| Net charge-offs | $131,000 | 4,789 |
| Cash dividends | $750,000 | 1,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $809,000 | 2,793 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,112,000 | 3,822 |
| Total interest expense | $1,591,000 | 3,525 |
| Net interest income | $2,521,000 | 3,921 |
| Provision for loan and lease losses | $-42,000 | 8,160 |
| Total noninterest income | $347,000 | 4,144 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $281,000 | 2,636 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $66,000 | 5,442 |
| Total noninterest expense | $2,098,000 | 4,248 |
| Salaries and employee benefits | $1,059,000 | 4,266 |
| Premises and equipment expense | $166,000 | 5,529 |
| Additional noninterest expense | $873,000 | 3,639 |
| Pre-tax net operating income | $812,000 | 2,493 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $289,000 | 1,574 |
| Income before extraordinary items | $523,000 | 3,005 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $523,000 | 3,003 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $523,000 | 3,004 |
| Net charge-offs | $72,000 | 4,587 |
| Cash dividends | $750,000 | 1,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $523,000 | 2,907 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,975,000 | 3,977 |
| Total interest expense | $826,000 | 3,538 |
| Net interest income | $1,149,000 | 4,139 |
| Provision for loan and lease losses | $36,000 | 5,276 |
| Total noninterest income | $196,000 | 3,851 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $145,000 | 2,536 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $51,000 | 4,806 |
| Total noninterest expense | $1,019,000 | 4,255 |
| Salaries and employee benefits | $538,000 | 4,222 |
| Premises and equipment expense | $80,000 | 5,652 |
| Additional noninterest expense | $401,000 | 3,573 |
| Pre-tax net operating income | $290,000 | 3,387 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $104,000 | 2,138 |
| Income before extraordinary items | $186,000 | 3,980 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $186,000 | 3,982 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $186,000 | 3,982 |
| Net charge-offs | $61,000 | 3,361 |
| Cash dividends | $750,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $186,000 | 3,829 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,208,000 | 3,476 |
| Total interest expense | $4,738,000 | 3,108 |
| Net interest income | $5,470,000 | 3,711 |
| Provision for loan and lease losses | $274,000 | 4,781 |
| Total noninterest income | $813,000 | 3,841 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $668,000 | 2,437 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $145,000 | 5,369 |
| Total noninterest expense | $3,557,000 | 4,585 |
| Salaries and employee benefits | $2,031,000 | 4,395 |
| Premises and equipment expense | $304,000 | 5,762 |
| Additional noninterest expense | $1,222,000 | 4,238 |
| Pre-tax net operating income | $2,452,000 | 2,132 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $846,000 | 1,348 |
| Income before extraordinary items | $1,606,000 | 2,400 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,606,000 | 2,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 4,303 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,606,000 | 2,531 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,977,000 | 3,431 |
| Total interest expense | $3,790,000 | 3,043 |
| Net interest income | $4,187,000 | 3,686 |
| Provision for loan and lease losses | $120,000 | 4,934 |
| Total noninterest income | $627,000 | 3,875 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $501,000 | 2,454 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $126,000 | 5,236 |
| Total noninterest expense | $2,615,000 | 4,642 |
| Salaries and employee benefits | $1,525,000 | 4,414 |
| Premises and equipment expense | $215,000 | 5,922 |
| Additional noninterest expense | $875,000 | 4,287 |
| Pre-tax net operating income | $2,079,000 | 2,236 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $721,000 | 1,498 |
| Income before extraordinary items | $1,358,000 | 2,515 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,358,000 | 2,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,763 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,358,000 | 2,639 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,493,000 | 3,395 |
| Total interest expense | $2,728,000 | 2,953 |
| Net interest income | $2,765,000 | 3,708 |
| Provision for loan and lease losses | $95,000 | 4,331 |
| Total noninterest income | $395,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $322,000 | 2,497 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $73,000 | 5,568 |
| Total noninterest expense | $1,729,000 | 4,694 |
| Salaries and employee benefits | $1,016,000 | 4,471 |
| Premises and equipment expense | $137,000 | 6,068 |
| Additional noninterest expense | $576,000 | 4,307 |
| Pre-tax net operating income | $1,336,000 | 2,415 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $460,000 | 1,700 |
| Income before extraordinary items | $876,000 | 2,860 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $876,000 | 2,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,825 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $876,000 | 2,800 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,899,000 | 3,319 |
| Total interest expense | $1,468,000 | 2,936 |
| Net interest income | $1,431,000 | 3,608 |
| Provision for loan and lease losses | $66,000 | 3,374 |
| Total noninterest income | $196,000 | 4,045 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $150,000 | 2,617 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $46,000 | 5,219 |
| Total noninterest expense | $871,000 | 4,685 |
| Salaries and employee benefits | $500,000 | 4,550 |
| Premises and equipment expense | $68,000 | 6,121 |
| Additional noninterest expense | $303,000 | 4,084 |
| Pre-tax net operating income | $690,000 | 2,440 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $237,000 | 1,752 |
| Income before extraordinary items | $453,000 | 2,915 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $453,000 | 2,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $453,000 | 2,833 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,875,000 | 3,097 |
| Total interest expense | $6,216,000 | 2,928 |
| Net interest income | $6,659,000 | 3,223 |
| Provision for loan and lease losses | $-553,000 | 8,496 |
| Total noninterest income | $712,000 | 4,252 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $642,000 | 2,544 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $70,000 | 6,708 |
| Total noninterest expense | $3,603,000 | 4,433 |
| Salaries and employee benefits | $1,881,000 | 4,601 |
| Premises and equipment expense | $327,000 | 5,572 |
| Additional noninterest expense | $1,395,000 | 3,628 |
| Pre-tax net operating income | $4,321,000 | 1,861 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,519,000 | 1,411 |
| Income before extraordinary items | $2,802,000 | 2,150 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,802,000 | 2,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,854 |
| Cash dividends | $3,500,000 | 1,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,802,000 | 2,137 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,720,000 | 3,065 |
| Total interest expense | $4,657,000 | 2,924 |
| Net interest income | $5,063,000 | 3,199 |
| Provision for loan and lease losses | $-524,000 | 8,528 |
| Total noninterest income | $542,000 | 4,228 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $466,000 | 2,588 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $76,000 | 6,239 |
| Total noninterest expense | $2,663,000 | 4,456 |
| Salaries and employee benefits | $1,414,000 | 4,561 |
| Premises and equipment expense | $227,000 | 5,761 |
| Additional noninterest expense | $1,022,000 | 3,639 |
| Pre-tax net operating income | $3,466,000 | 1,865 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,222,000 | 1,429 |
| Income before extraordinary items | $2,244,000 | 2,164 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,244,000 | 2,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,960 |
| Cash dividends | $3,000,000 | 857 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,244,000 | 2,153 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,439,000 | 3,085 |
| Total interest expense | $3,048,000 | 2,972 |
| Net interest income | $3,391,000 | 3,207 |
| Provision for loan and lease losses | $-577,000 | 8,572 |
| Total noninterest income | $347,000 | 4,340 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $303,000 | 2,629 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $44,000 | 6,471 |
| Total noninterest expense | $1,800,000 | 4,447 |
| Salaries and employee benefits | $948,000 | 4,587 |
| Premises and equipment expense | $157,000 | 5,688 |
| Additional noninterest expense | $695,000 | 3,582 |
| Pre-tax net operating income | $2,515,000 | 1,808 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $893,000 | 1,380 |
| Income before extraordinary items | $1,622,000 | 2,091 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,622,000 | 2,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $2,500,000 | 733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,622,000 | 2,074 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,186,000 | 3,110 |
| Total interest expense | $1,480,000 | 3,018 |
| Net interest income | $1,706,000 | 3,184 |
| Provision for loan and lease losses | $-701,000 | 8,625 |
| Total noninterest income | $173,000 | 4,313 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $145,000 | 2,663 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $918,000 | 4,385 |
| Salaries and employee benefits | $475,000 | 4,603 |
| Premises and equipment expense | $80,000 | 5,684 |
| Additional noninterest expense | $363,000 | 3,435 |
| Pre-tax net operating income | $1,662,000 | 1,401 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $600,000 | 1,122 |
| Income before extraordinary items | $1,062,000 | 1,619 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,062,000 | 1,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $1,250,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,062,000 | 1,608 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,840,000 | 3,133 |
| Total interest expense | $4,839,000 | 3,116 |
| Net interest income | $7,001,000 | 3,106 |
| Provision for loan and lease losses | $-191,000 | 8,531 |
| Total noninterest income | $736,000 | 4,247 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $643,000 | 2,547 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $93,000 | 6,451 |
| Total noninterest expense | $3,576,000 | 4,337 |
| Salaries and employee benefits | $1,845,000 | 4,534 |
| Premises and equipment expense | $347,000 | 5,352 |
| Additional noninterest expense | $1,384,000 | 3,511 |
| Pre-tax net operating income | $4,352,000 | 2,104 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,510,000 | 1,652 |
| Income before extraordinary items | $2,842,000 | 2,367 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,842,000 | 2,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,446 |
| Cash dividends | $3,750,000 | 915 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,842,000 | 2,351 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,719,000 | 3,151 |
| Total interest expense | $3,439,000 | 3,160 |
| Net interest income | $5,280,000 | 3,119 |
| Provision for loan and lease losses | $309,000 | 2,099 |
| Total noninterest income | $559,000 | 4,232 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $483,000 | 2,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $76,000 | 6,304 |
| Total noninterest expense | $2,575,000 | 4,451 |
| Salaries and employee benefits | $1,385,000 | 4,510 |
| Premises and equipment expense | $238,000 | 5,625 |
| Additional noninterest expense | $952,000 | 3,758 |
| Pre-tax net operating income | $2,955,000 | 2,362 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,010,000 | 1,870 |
| Income before extraordinary items | $1,945,000 | 2,624 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,945,000 | 2,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,330 |
| Cash dividends | $3,250,000 | 772 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,945,000 | 2,612 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,692,000 | 3,162 |
| Total interest expense | $2,167,000 | 3,183 |
| Net interest income | $3,525,000 | 3,112 |
| Provision for loan and lease losses | $232,000 | 1,886 |
| Total noninterest income | $389,000 | 4,106 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $321,000 | 2,531 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 5,845 |
| Total noninterest expense | $1,706,000 | 4,486 |
| Salaries and employee benefits | $924,000 | 4,529 |
| Premises and equipment expense | $158,000 | 5,646 |
| Additional noninterest expense | $624,000 | 3,798 |
| Pre-tax net operating income | $1,976,000 | 2,329 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $674,000 | 1,887 |
| Income before extraordinary items | $1,302,000 | 2,616 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,302,000 | 2,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,492 |
| Cash dividends | $1,500,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,302,000 | 2,602 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,781,000 | 3,170 |
| Total interest expense | $1,035,000 | 3,174 |
| Net interest income | $1,746,000 | 3,137 |
| Provision for loan and lease losses | $116,000 | 1,810 |
| Total noninterest income | $190,000 | 4,088 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $153,000 | 2,557 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,687 |
| Total noninterest expense | $869,000 | 4,431 |
| Salaries and employee benefits | $465,000 | 4,515 |
| Premises and equipment expense | $85,000 | 5,458 |
| Additional noninterest expense | $319,000 | 3,714 |
| Pre-tax net operating income | $951,000 | 2,367 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $322,000 | 1,931 |
| Income before extraordinary items | $629,000 | 2,642 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $629,000 | 2,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 8,582 |
| Cash dividends | $1,500,000 | 510 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $629,000 | 2,623 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,027,000 | 3,147 |
| Total interest expense | $3,183,000 | 3,170 |
| Net interest income | $6,844,000 | 3,094 |
| Provision for loan and lease losses | $500,000 | 1,892 |
| Total noninterest income | $756,000 | 4,181 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $638,000 | 2,535 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $118,000 | 6,141 |
| Total noninterest expense | $3,584,000 | 4,214 |
| Salaries and employee benefits | $1,800,000 | 4,481 |
| Premises and equipment expense | $282,000 | 5,893 |
| Additional noninterest expense | $1,502,000 | 3,225 |
| Pre-tax net operating income | $3,516,000 | 2,448 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,217,000 | 1,988 |
| Income before extraordinary items | $2,299,000 | 2,763 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,299,000 | 2,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,656 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,299,000 | 2,724 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,356,000 | 3,152 |
| Total interest expense | $2,245,000 | 3,195 |
| Net interest income | $5,111,000 | 3,093 |
| Provision for loan and lease losses | $374,000 | 1,820 |
| Total noninterest income | $561,000 | 4,220 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $470,000 | 2,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 6,086 |
| Total noninterest expense | $2,688,000 | 4,175 |
| Salaries and employee benefits | $1,359,000 | 4,417 |
| Premises and equipment expense | $191,000 | 6,149 |
| Additional noninterest expense | $1,138,000 | 3,160 |
| Pre-tax net operating income | $2,610,000 | 2,494 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $903,000 | 2,028 |
| Income before extraordinary items | $1,707,000 | 2,814 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,707,000 | 2,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 1,578 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,707,000 | 2,776 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,774,000 | 3,162 |
| Total interest expense | $1,417,000 | 3,192 |
| Net interest income | $3,357,000 | 3,101 |
| Provision for loan and lease losses | $249,000 | 1,799 |
| Total noninterest income | $378,000 | 4,185 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $308,000 | 2,571 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $70,000 | 5,870 |
| Total noninterest expense | $1,815,000 | 4,112 |
| Salaries and employee benefits | $916,000 | 4,355 |
| Premises and equipment expense | $126,000 | 6,182 |
| Additional noninterest expense | $773,000 | 3,108 |
| Pre-tax net operating income | $1,671,000 | 2,514 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $578,000 | 2,061 |
| Income before extraordinary items | $1,093,000 | 2,891 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,093,000 | 2,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,749 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,093,000 | 2,848 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,315,000 | 3,203 |
| Total interest expense | $665,000 | 3,249 |
| Net interest income | $1,650,000 | 3,139 |
| Provision for loan and lease losses | $125,000 | 1,680 |
| Total noninterest income | $168,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $148,000 | 2,585 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,849 |
| Total noninterest expense | $928,000 | 4,064 |
| Salaries and employee benefits | $460,000 | 4,365 |
| Premises and equipment expense | $67,000 | 6,074 |
| Additional noninterest expense | $401,000 | 3,007 |
| Pre-tax net operating income | $765,000 | 2,663 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $268,000 | 2,157 |
| Income before extraordinary items | $497,000 | 3,063 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $497,000 | 3,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 939 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $497,000 | 3,019 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,047,000 | 3,079 |
| Total interest expense | $2,436,000 | 3,108 |
| Net interest income | $6,611,000 | 3,038 |
| Provision for loan and lease losses | $500,000 | 1,952 |
| Total noninterest income | $750,000 | 4,228 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $685,000 | 2,420 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $65,000 | 7,078 |
| Total noninterest expense | $3,508,000 | 4,171 |
| Salaries and employee benefits | $1,701,000 | 4,520 |
| Premises and equipment expense | $362,000 | 5,091 |
| Additional noninterest expense | $1,445,000 | 3,216 |
| Pre-tax net operating income | $3,353,000 | 2,351 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,172,000 | 1,935 |
| Income before extraordinary items | $2,181,000 | 2,715 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,181,000 | 2,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $374,000 | 1,682 |
| Cash dividends | $2,500,000 | 1,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,181,000 | 2,666 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,697,000 | 3,097 |
| Total interest expense | $1,802,000 | 3,101 |
| Net interest income | $4,895,000 | 3,062 |
| Provision for loan and lease losses | $374,000 | 1,885 |
| Total noninterest income | $517,000 | 4,437 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $501,000 | 2,493 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 8,210 |
| Total noninterest expense | $2,626,000 | 4,142 |
| Salaries and employee benefits | $1,270,000 | 4,491 |
| Premises and equipment expense | $267,000 | 5,121 |
| Additional noninterest expense | $1,089,000 | 3,178 |
| Pre-tax net operating income | $2,412,000 | 2,465 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $832,000 | 2,046 |
| Income before extraordinary items | $1,580,000 | 2,830 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,580,000 | 2,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 2,719 |
| Cash dividends | $2,500,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,580,000 | 2,753 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,424,000 | 3,106 |
| Total interest expense | $1,201,000 | 3,083 |
| Net interest income | $3,223,000 | 3,083 |
| Provision for loan and lease losses | $249,000 | 1,856 |
| Total noninterest income | $331,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $320,000 | 2,571 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $11,000 | 8,227 |
| Total noninterest expense | $1,809,000 | 4,062 |
| Salaries and employee benefits | $865,000 | 4,451 |
| Premises and equipment expense | $184,000 | 5,042 |
| Additional noninterest expense | $760,000 | 3,084 |
| Pre-tax net operating income | $1,496,000 | 2,595 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $512,000 | 2,162 |
| Income before extraordinary items | $984,000 | 2,970 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $984,000 | 2,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,320 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $984,000 | 2,887 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,232,000 | 3,086 |
| Total interest expense | $605,000 | 3,097 |
| Net interest income | $1,627,000 | 3,044 |
| Provision for loan and lease losses | $124,000 | 1,770 |
| Total noninterest income | $179,000 | 4,333 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $157,000 | 2,581 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $926,000 | 4,001 |
| Salaries and employee benefits | $438,000 | 4,435 |
| Premises and equipment expense | $113,000 | 4,421 |
| Additional noninterest expense | $375,000 | 3,085 |
| Pre-tax net operating income | $756,000 | 2,545 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $257,000 | 2,154 |
| Income before extraordinary items | $499,000 | 2,949 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $499,000 | 2,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 8,955 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $499,000 | 2,849 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,334,000 | 3,012 |
| Total interest expense | $2,836,000 | 3,012 |
| Net interest income | $6,498,000 | 2,954 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $761,000 | 4,346 |
| 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 | $89,000 | 6,724 |
| Total noninterest expense | $3,648,000 | 3,970 |
| Salaries and employee benefits | $1,727,000 | 4,389 |
| Premises and equipment expense | $359,000 | 5,083 |
| Additional noninterest expense | $1,562,000 | 2,965 |
| Pre-tax net operating income | $3,611,000 | 2,159 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,410,000 | 1,710 |
| Income before extraordinary items | $2,201,000 | 2,660 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,201,000 | 2,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $839,000 | 1,053 |
| Cash dividends | $2,000,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,201,000 | 2,533 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,085,000 | 3,025 |
| Total interest expense | $2,207,000 | 3,016 |
| Net interest income | $4,878,000 | 2,962 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $591,000 | 4,309 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $502,000 | 2,465 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $89,000 | 6,283 |
| Total noninterest expense | $2,659,000 | 4,048 |
| Salaries and employee benefits | $1,274,000 | 4,431 |
| Premises and equipment expense | $265,000 | 5,134 |
| Additional noninterest expense | $1,120,000 | 3,080 |
| Pre-tax net operating income | $2,810,000 | 2,153 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,093,000 | 1,725 |
| Income before extraordinary items | $1,717,000 | 2,666 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,717,000 | 2,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $656,000 | 952 |
| Cash dividends | $2,000,000 | 1,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,717,000 | 2,525 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,786,000 | 3,015 |
| Total interest expense | $1,520,000 | 3,004 |
| Net interest income | $3,266,000 | 2,936 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $392,000 | 4,292 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $323,000 | 2,506 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $69,000 | 6,016 |
| Total noninterest expense | $1,817,000 | 3,966 |
| Salaries and employee benefits | $862,000 | 4,384 |
| Premises and equipment expense | $184,000 | 4,966 |
| Additional noninterest expense | $771,000 | 2,967 |
| Pre-tax net operating income | $1,841,000 | 2,190 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $714,000 | 1,788 |
| Income before extraordinary items | $1,127,000 | 2,716 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,127,000 | 2,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $322,000 | 1,184 |
| Cash dividends | $2,000,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,127,000 | 2,562 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,418,000 | 3,003 |
| Total interest expense | $781,000 | 3,002 |
| Net interest income | $1,637,000 | 2,923 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $213,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $153,000 | 2,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 4,921 |
| Total noninterest expense | $980,000 | 3,727 |
| Salaries and employee benefits | $438,000 | 4,336 |
| Premises and equipment expense | $107,000 | 4,503 |
| Additional noninterest expense | $435,000 | 2,653 |
| Pre-tax net operating income | $870,000 | 2,304 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $342,000 | 1,858 |
| Income before extraordinary items | $528,000 | 2,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $528,000 | 2,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 763 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $528,000 | 2,687 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,572,000 | 2,873 |
| Total interest expense | $3,801,000 | 2,875 |
| Net interest income | $6,771,000 | 2,813 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $740,000 | 4,186 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $679,000 | 2,300 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 7,318 |
| Total noninterest expense | $3,782,000 | 3,713 |
| Salaries and employee benefits | $1,985,000 | 3,762 |
| Premises and equipment expense | $319,000 | 5,371 |
| Additional noninterest expense | $1,478,000 | 2,985 |
| Pre-tax net operating income | $3,729,000 | 2,103 |
| Securities gains (losses) | $83,000 | 1,920 |
| Applicable income taxes | $1,389,000 | 1,757 |
| Income before extraordinary items | $2,423,000 | 2,415 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,423,000 | 2,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,333,000 | 743 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,369,880 | 2,375 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,023,000 | 3,305 |
| Total interest expense | $4,861,000 | 3,225 |
| Net interest income | $5,162,000 | 3,355 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $584,000 | 4,656 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $488,000 | 2,892 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $96,000 | 6,520 |
| Total noninterest expense | $2,879,000 | 4,481 |
| Salaries and employee benefits | $1,551,000 | 4,399 |
| Premises and equipment expense | $254,000 | 6,043 |
| Additional noninterest expense | $1,074,000 | 3,837 |
| Pre-tax net operating income | $2,867,000 | 2,367 |
| Securities gains (losses) | $367,000 | 775 |
| Applicable income taxes | $1,173,000 | 1,850 |
| Income before extraordinary items | $2,061,000 | 2,462 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,061,000 | 2,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $368,000 | 1,946 |
| Cash dividends | $12,750,000 | 311 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,826,120 | 2,663 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,938,000 | 2,493 |
| Total interest expense | $6,939,000 | 2,424 |
| Net interest income | $6,999,000 | 2,546 |
| Provision for loan and lease losses | $601,000 | 1,602 |
| Total noninterest income | $759,000 | 3,781 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $614,000 | 2,243 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $145,000 | 5,553 |
| Total noninterest expense | $3,571,000 | 3,642 |
| Salaries and employee benefits | $1,990,000 | 3,478 |
| Premises and equipment expense | $533,000 | 3,602 |
| Additional noninterest expense | $1,048,000 | 3,849 |
| Pre-tax net operating income | $3,586,000 | 2,034 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $1,264,000 | 1,740 |
| Income before extraordinary items | $2,325,000 | 2,223 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,325,000 | 2,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $458,000 | 1,325 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,323,050 | 2,229 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,642,000 | 2,585 |
| Total interest expense | $5,835,000 | 2,523 |
| Net interest income | $6,807,000 | 2,577 |
| Provision for loan and lease losses | $169,000 | 3,994 |
| Total noninterest income | $577,000 | 4,545 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $469,000 | 2,785 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $108,000 | 6,454 |
| Total noninterest expense | $3,549,000 | 3,668 |
| Salaries and employee benefits | $1,887,000 | 3,611 |
| Premises and equipment expense | $636,000 | 3,097 |
| Additional noninterest expense | $1,026,000 | 3,934 |
| Pre-tax net operating income | $3,666,000 | 1,999 |
| Securities gains (losses) | $32,000 | 1,157 |
| Applicable income taxes | $1,246,000 | 1,856 |
| Income before extraordinary items | $2,452,000 | 2,131 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,452,000 | 2,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,666 |
| Cash dividends | $11,250,000 | 361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,430,880 | 2,121 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,273,000 | 2,655 |
| Total interest expense | $5,697,000 | 2,654 |
| Net interest income | $6,576,000 | 2,593 |
| Provision for loan and lease losses | $208,000 | 3,440 |
| Total noninterest income | $561,000 | 4,597 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $438,000 | 2,899 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $123,000 | 6,149 |
| Total noninterest expense | $3,188,000 | 3,901 |
| Salaries and employee benefits | $1,721,000 | 3,800 |
| Premises and equipment expense | $466,000 | 3,900 |
| Additional noninterest expense | $1,001,000 | 3,957 |
| Pre-tax net operating income | $3,741,000 | 1,946 |
| Securities gains (losses) | $13,000 | 2,771 |
| Applicable income taxes | $1,260,000 | 1,901 |
| Income before extraordinary items | $2,494,000 | 2,090 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,494,000 | 2,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,376 |
| Cash dividends | $291,000 | 4,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,485,420 | 2,021 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,054,000 | 2,952 |
| Total interest expense | $4,984,000 | 2,986 |
| Net interest income | $6,070,000 | 2,876 |
| Provision for loan and lease losses | $195,000 | 3,507 |
| Total noninterest income | $565,000 | 4,604 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $446,000 | 2,918 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $119,000 | 6,301 |
| Total noninterest expense | $2,975,000 | 4,121 |
| Salaries and employee benefits | $1,548,000 | 4,145 |
| Premises and equipment expense | $535,000 | 3,491 |
| Additional noninterest expense | $892,000 | 4,343 |
| Pre-tax net operating income | $3,465,000 | 2,173 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $1,101,000 | 2,246 |
| Income before extraordinary items | $2,379,000 | 2,216 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,379,000 | 2,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,648 |
| Cash dividends | $182,000 | 5,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,368,800 | 2,165 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,100,000 | 3,246 |
| Total interest expense | $4,486,000 | 3,322 |
| Net interest income | $5,614,000 | 3,149 |
| Provision for loan and lease losses | $116,000 | 4,790 |
| Total noninterest income | $541,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $426,000 | 3,159 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $115,000 | 6,735 |
| Total noninterest expense | $2,577,000 | 4,889 |
| Salaries and employee benefits | $1,400,000 | 4,587 |
| Premises and equipment expense | $404,000 | 4,508 |
| Additional noninterest expense | $773,000 | 5,333 |
| Pre-tax net operating income | $3,462,000 | 2,070 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $1,048,000 | 2,256 |
| Income before extraordinary items | $2,421,000 | 2,051 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,421,000 | 2,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,549 |
| Cash dividends | $74,000 | 7,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,416,100 | 2,011 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,206,000 | 3,552 |
| Total interest expense | $4,103,000 | 3,599 |
| Net interest income | $5,103,000 | 3,465 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $489,000 | 5,266 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $382,000 | 3,499 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $107,000 | 7,021 |
| Total noninterest expense | $2,555,000 | 4,905 |
| Salaries and employee benefits | $1,304,000 | 4,844 |
| Premises and equipment expense | $436,000 | 4,221 |
| Additional noninterest expense | $815,000 | 5,171 |
| Pre-tax net operating income | $2,917,000 | 2,487 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $857,000 | 2,716 |
| Income before extraordinary items | $2,075,000 | 2,418 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,075,000 | 2,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,293 |
| Cash dividends | $73,000 | 7,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,064,350 | 2,405 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,878,000 | 3,805 |
| Total interest expense | $3,006,000 | 3,957 |
| Net interest income | $4,872,000 | 3,650 |
| Provision for loan and lease losses | $115,000 | 4,257 |
| Total noninterest income | $493,000 | 5,342 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $328,000 | 4,061 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $165,000 | 5,902 |
| Total noninterest expense | $2,899,000 | 4,545 |
| Salaries and employee benefits | $1,231,000 | 5,133 |
| Premises and equipment expense | $487,000 | 3,887 |
| Additional noninterest expense | $1,181,000 | 4,106 |
| Pre-tax net operating income | $2,351,000 | 2,996 |
| Securities gains (losses) | $-28,000 | 10,602 |
| Applicable income taxes | $515,000 | 3,969 |
| Income before extraordinary items | $1,808,000 | 2,681 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,808,000 | 2,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,664 |
| Cash dividends | $73,000 | 7,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,829,840 | 2,668 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,657,000 | 3,977 |
| Total interest expense | $2,775,000 | 4,408 |
| Net interest income | $4,882,000 | 3,651 |
| Provision for loan and lease losses | $167,000 | 4,380 |
| Total noninterest income | $488,000 | 5,698 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $304,000 | 4,375 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $184,000 | 5,928 |
| Total noninterest expense | $2,671,000 | 4,975 |
| Salaries and employee benefits | $1,214,000 | 5,184 |
| Premises and equipment expense | $380,000 | 4,919 |
| Additional noninterest expense | $1,077,000 | 4,623 |
| Pre-tax net operating income | $2,532,000 | 2,676 |
| Securities gains (losses) | $18,000 | 4,806 |
| Applicable income taxes | $672,000 | 3,235 |
| Income before extraordinary items | $1,878,000 | 2,680 |
| Extraordinary gains, net | $286,000 | 753 |
| Net income | $2,164,000 | 2,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 4,259 |
| Cash dividends | $73,000 | 7,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,864,680 | 2,534 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,755,000 | 4,407 |
| Total interest expense | $3,292,000 | 4,790 |
| Net interest income | $4,463,000 | 4,031 |
| Provision for loan and lease losses | $175,000 | 5,648 |
| Total noninterest income | $567,000 | 5,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $303,000 | 4,400 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,795 |
| Total noninterest expense | $2,347,000 | 5,596 |
| Salaries and employee benefits | $1,018,000 | 5,934 |
| Premises and equipment expense | $281,000 | 6,265 |
| Additional noninterest expense | $1,048,000 | 4,867 |
| Pre-tax net operating income | $2,508,000 | 2,482 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $745,000 | 2,793 |
| Income before extraordinary items | $1,772,000 | 2,593 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,772,000 | 2,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 6,844 |
| Cash dividends | $73,000 | 7,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,765,700 | 2,411 |
* 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.