Home > Trust One Bank > Income and Expense
Trust One Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,104,000 | 1,950 |
| Total interest expense | $1,158,000 | 1,980 |
| Net interest income | $2,946,000 | 1,930 |
| Provision for loan and lease losses | $-128,000 | 7,886 |
| Total noninterest income | $394,000 | 2,391 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $178,000 | 2,065 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $216,000 | 2,283 |
| Total noninterest expense | $2,964,000 | 1,685 |
| Salaries and employee benefits | $1,381,000 | 1,811 |
| Premises and equipment expense | $465,000 | 1,461 |
| Additional noninterest expense | $1,118,000 | 1,577 |
| Pre-tax net operating income | $504,000 | 2,400 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $22,000 | 3,391 |
| Income before extraordinary items | $482,000 | 2,211 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $482,000 | 2,210 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $482,000 | 2,211 |
| Net charge-offs | $656,000 | 1,385 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 775 |
| Net operating income | $482,000 | 2,122 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $19,091,000 | 1,796 |
| Total interest expense | $6,479,000 | 1,802 |
| Net interest income | $12,612,000 | 1,766 |
| Provision for loan and lease losses | $12,399,000 | 722 |
| Total noninterest income | $852,000 | 3,636 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $820,000 | 2,018 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $32,000 | 6,703 |
| Total noninterest expense | $12,948,000 | 1,601 |
| Salaries and employee benefits | $5,968,000 | 1,659 |
| Premises and equipment expense | $1,794,000 | 1,506 |
| Additional noninterest expense | $5,186,000 | 1,442 |
| Pre-tax net operating income | $-11,883,000 | 7,554 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-1,334,000 | 7,383 |
| Income before extraordinary items | $-10,549,000 | 7,578 |
| Extraordinary gains, net | $1,000 | 33 |
| Net income | $-10,548,000 | 7,576 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-10,548,000 | 7,577 |
| Net charge-offs | $11,766,000 | 601 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,232 |
| Net operating income | $-10,549,000 | 7,577 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $14,715,000 | 1,767 |
| Total interest expense | $5,161,000 | 1,783 |
| Net interest income | $9,554,000 | 1,754 |
| Provision for loan and lease losses | $11,104,000 | 575 |
| Total noninterest income | $951,000 | 2,915 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $620,000 | 2,002 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $331,000 | 3,472 |
| Total noninterest expense | $9,432,000 | 1,618 |
| Salaries and employee benefits | $4,322,000 | 1,739 |
| Premises and equipment expense | $1,299,000 | 1,583 |
| Additional noninterest expense | $3,811,000 | 1,422 |
| Pre-tax net operating income | $-10,031,000 | 7,744 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,574,000 | 7,667 |
| Income before extraordinary items | $-8,457,000 | 7,741 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-8,457,000 | 7,740 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-8,457,000 | 7,740 |
| Net charge-offs | $10,674,000 | 483 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 1,175 |
| Net operating income | $-8,457,000 | 7,744 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,111,000 | 1,750 |
| Total interest expense | $3,576,000 | 1,798 |
| Net interest income | $6,535,000 | 1,705 |
| Provision for loan and lease losses | $5,242,000 | 714 |
| Total noninterest income | $974,000 | 2,225 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $419,000 | 1,948 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $555,000 | 2,085 |
| Total noninterest expense | $6,353,000 | 1,627 |
| Salaries and employee benefits | $3,022,000 | 1,693 |
| Premises and equipment expense | $861,000 | 1,620 |
| Additional noninterest expense | $2,470,000 | 1,499 |
| Pre-tax net operating income | $-4,086,000 | 7,676 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,678,000 | 7,861 |
| Income before extraordinary items | $-2,408,000 | 7,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,408,000 | 7,555 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,408,000 | 7,555 |
| Net charge-offs | $3,283,000 | 794 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,056 |
| Net operating income | $-2,408,000 | 7,568 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,301,000 | 1,691 |
| Total interest expense | $1,974,000 | 1,720 |
| Net interest income | $3,327,000 | 1,671 |
| Provision for loan and lease losses | $2,327,000 | 675 |
| Total noninterest income | $344,000 | 2,762 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $213,000 | 1,866 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $131,000 | 3,195 |
| Total noninterest expense | $3,119,000 | 1,617 |
| Salaries and employee benefits | $1,502,000 | 1,728 |
| Premises and equipment expense | $428,000 | 1,656 |
| Additional noninterest expense | $1,189,000 | 1,368 |
| Pre-tax net operating income | $-1,775,000 | 7,791 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-733,000 | 7,944 |
| Income before extraordinary items | $-1,042,000 | 7,715 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,042,000 | 7,718 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,042,000 | 7,717 |
| Net charge-offs | $793,000 | 1,084 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 726 |
| Net operating income | $-1,042,000 | 7,712 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $24,858,000 | 1,556 |
| Total interest expense | $12,533,000 | 1,303 |
| Net interest income | $12,325,000 | 1,808 |
| Provision for loan and lease losses | $12,626,000 | 505 |
| Total noninterest income | $612,000 | 4,425 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $815,000 | 2,095 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-203,000 | 8,166 |
| Total noninterest expense | $85,900,000 | 269 |
| Salaries and employee benefits | $6,166,000 | 1,659 |
| Premises and equipment expense | $1,785,000 | 1,549 |
| Additional noninterest expense | $77,949,000 | 164 |
| Pre-tax net operating income | $-85,589,000 | 8,230 |
| Securities gains (losses) | $-710,000 | 7,633 |
| Applicable income taxes | $-5,392,000 | 8,121 |
| Income before extraordinary items | $-80,907,000 | 8,216 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-80,907,000 | 8,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,489,000 | 368 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 1,063 |
| Net operating income | $-80,239,600 | 8,225 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,008,000 | 1,568 |
| Total interest expense | $9,648,000 | 1,323 |
| Net interest income | $9,360,000 | 1,798 |
| Provision for loan and lease losses | $8,210,000 | 462 |
| Total noninterest income | $721,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $596,000 | 2,153 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $125,000 | 5,250 |
| Total noninterest expense | $46,644,000 | 340 |
| Salaries and employee benefits | $4,621,000 | 1,683 |
| Premises and equipment expense | $1,347,000 | 1,551 |
| Additional noninterest expense | $40,676,000 | 190 |
| Pre-tax net operating income | $-44,773,000 | 8,325 |
| Securities gains (losses) | $-677,000 | 7,830 |
| Applicable income taxes | $-3,491,000 | 8,241 |
| Income before extraordinary items | $-41,959,000 | 8,313 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-41,959,000 | 8,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,078,000 | 389 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 932 |
| Net operating income | $-41,336,160 | 8,322 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,860,000 | 1,573 |
| Total interest expense | $6,775,000 | 1,296 |
| Net interest income | $6,085,000 | 1,845 |
| Provision for loan and lease losses | $6,501,000 | 357 |
| Total noninterest income | $283,000 | 4,757 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $387,000 | 2,191 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-104,000 | 8,382 |
| Total noninterest expense | $33,510,000 | 316 |
| Salaries and employee benefits | $2,998,000 | 1,741 |
| Premises and equipment expense | $891,000 | 1,570 |
| Additional noninterest expense | $29,621,000 | 172 |
| Pre-tax net operating income | $-33,643,000 | 8,405 |
| Securities gains (losses) | $-195,000 | 8,301 |
| Applicable income taxes | $-2,773,000 | 8,355 |
| Income before extraordinary items | $-31,065,000 | 8,404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-31,065,000 | 8,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,445,000 | 676 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 758 |
| Net operating income | $-30,885,600 | 8,400 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,793,000 | 1,521 |
| Total interest expense | $3,675,000 | 1,272 |
| Net interest income | $3,118,000 | 1,794 |
| Provision for loan and lease losses | $3,573,000 | 275 |
| Total noninterest income | $437,000 | 2,445 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $230,000 | 1,847 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $207,000 | 2,520 |
| Total noninterest expense | $3,652,000 | 1,315 |
| Salaries and employee benefits | $1,544,000 | 1,704 |
| Premises and equipment expense | $429,000 | 1,630 |
| Additional noninterest expense | $1,679,000 | 853 |
| Pre-tax net operating income | $-3,670,000 | 8,415 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-1,487,000 | 8,419 |
| Income before extraordinary items | $-2,183,000 | 8,396 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,183,000 | 8,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $628,000 | 615 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 618 |
| Net operating income | $-2,183,000 | 8,394 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,178,000 | 1,469 |
| Total interest expense | $16,196,000 | 1,232 |
| Net interest income | $12,982,000 | 1,747 |
| Provision for loan and lease losses | $7,310,000 | 309 |
| Total noninterest income | $1,380,000 | 2,856 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $638,000 | 2,557 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $742,000 | 2,668 |
| Total noninterest expense | $10,931,000 | 1,692 |
| Salaries and employee benefits | $5,645,000 | 1,791 |
| Premises and equipment expense | $1,574,000 | 1,682 |
| Additional noninterest expense | $3,712,000 | 1,496 |
| Pre-tax net operating income | $-3,879,000 | 8,417 |
| Securities gains (losses) | $610,000 | 242 |
| Applicable income taxes | $-1,418,000 | 8,437 |
| Income before extraordinary items | $-1,851,000 | 8,297 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,851,000 | 8,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,258,000 | 303 |
| Cash dividends | $432,000 | 3,934 |
| Sale, conversion, retirement of capital stock, net | $309,000 | 639 |
| Net operating income | $-2,241,400 | 8,332 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,954,000 | 1,472 |
| Total interest expense | $12,198,000 | 1,227 |
| Net interest income | $9,756,000 | 1,743 |
| Provision for loan and lease losses | $5,278,000 | 243 |
| Total noninterest income | $911,000 | 3,108 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $444,000 | 2,683 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $467,000 | 2,962 |
| Total noninterest expense | $7,916,000 | 1,737 |
| Salaries and employee benefits | $4,266,000 | 1,768 |
| Premises and equipment expense | $1,169,000 | 1,685 |
| Additional noninterest expense | $2,481,000 | 1,643 |
| Pre-tax net operating income | $-2,527,000 | 8,471 |
| Securities gains (losses) | $564,000 | 211 |
| Applicable income taxes | $-911,000 | 8,488 |
| Income before extraordinary items | $-1,052,000 | 8,339 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,052,000 | 8,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,618,000 | 260 |
| Cash dividends | $432,000 | 3,145 |
| Sale, conversion, retirement of capital stock, net | $220,000 | 570 |
| Net operating income | $-1,412,960 | 8,395 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,554,000 | 1,496 |
| Total interest expense | $8,133,000 | 1,224 |
| Net interest income | $6,421,000 | 1,784 |
| Provision for loan and lease losses | $1,843,000 | 345 |
| Total noninterest income | $585,000 | 3,207 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $279,000 | 2,812 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $306,000 | 2,981 |
| Total noninterest expense | $5,066,000 | 1,816 |
| Salaries and employee benefits | $2,808,000 | 1,832 |
| Premises and equipment expense | $766,000 | 1,735 |
| Additional noninterest expense | $1,492,000 | 1,819 |
| Pre-tax net operating income | $97,000 | 7,267 |
| Securities gains (losses) | $509,000 | 180 |
| Applicable income taxes | $135,000 | 3,776 |
| Income before extraordinary items | $471,000 | 4,684 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $471,000 | 4,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $836,000 | 503 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $180,000 | 470 |
| Net operating income | $73,980 | 7,303 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,141,000 | 1,517 |
| Total interest expense | $3,994,000 | 1,232 |
| Net interest income | $3,147,000 | 1,827 |
| Provision for loan and lease losses | $825,000 | 341 |
| Total noninterest income | $261,000 | 3,421 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $124,000 | 2,997 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $137,000 | 3,179 |
| Total noninterest expense | $2,163,000 | 2,136 |
| Salaries and employee benefits | $1,375,000 | 1,868 |
| Premises and equipment expense | $365,000 | 1,822 |
| Additional noninterest expense | $423,000 | 3,028 |
| Pre-tax net operating income | $420,000 | 3,888 |
| Securities gains (losses) | $297,000 | 166 |
| Applicable income taxes | $229,000 | 2,208 |
| Income before extraordinary items | $488,000 | 3,083 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $488,000 | 3,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 1,597 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $122,000 | 310 |
| Net operating income | $286,040 | 4,267 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,375,000 | 1,403 |
| Total interest expense | $14,396,000 | 1,167 |
| Net interest income | $13,979,000 | 1,639 |
| Provision for loan and lease losses | $720,000 | 1,378 |
| Total noninterest income | $1,105,000 | 3,314 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $587,000 | 2,733 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $518,000 | 3,271 |
| Total noninterest expense | $10,772,000 | 1,652 |
| Salaries and employee benefits | $5,386,000 | 1,815 |
| Premises and equipment expense | $1,597,000 | 1,606 |
| Additional noninterest expense | $3,789,000 | 1,397 |
| Pre-tax net operating income | $3,592,000 | 2,436 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,248,000 | 1,910 |
| Income before extraordinary items | $2,344,000 | 2,759 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,344,000 | 2,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,297,000 | 550 |
| Cash dividends | $3,450,000 | 990 |
| Sale, conversion, retirement of capital stock, net | $212,000 | 754 |
| Net operating income | $2,344,000 | 2,749 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,979,000 | 1,419 |
| Total interest expense | $10,307,000 | 1,193 |
| Net interest income | $10,672,000 | 1,628 |
| Provision for loan and lease losses | $420,000 | 1,622 |
| Total noninterest income | $808,000 | 3,377 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $452,000 | 2,677 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $356,000 | 3,406 |
| Total noninterest expense | $8,397,000 | 1,599 |
| Salaries and employee benefits | $4,262,000 | 1,724 |
| Premises and equipment expense | $1,241,000 | 1,565 |
| Additional noninterest expense | $2,894,000 | 1,374 |
| Pre-tax net operating income | $2,663,000 | 2,531 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $884,000 | 2,047 |
| Income before extraordinary items | $1,779,000 | 2,815 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,779,000 | 2,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $674,000 | 639 |
| Cash dividends | $3,450,000 | 740 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 618 |
| Net operating income | $1,779,000 | 2,804 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,521,000 | 1,436 |
| Total interest expense | $6,412,000 | 1,215 |
| Net interest income | $7,109,000 | 1,629 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $512,000 | 3,472 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $283,000 | 2,785 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $229,000 | 3,475 |
| Total noninterest expense | $5,637,000 | 1,595 |
| Salaries and employee benefits | $2,812,000 | 1,743 |
| Premises and equipment expense | $871,000 | 1,493 |
| Additional noninterest expense | $1,954,000 | 1,370 |
| Pre-tax net operating income | $1,744,000 | 2,567 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $591,000 | 2,078 |
| Income before extraordinary items | $1,153,000 | 2,884 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,153,000 | 2,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 767 |
| Cash dividends | $2,355,000 | 717 |
| Sale, conversion, retirement of capital stock, net | $149,000 | 473 |
| Net operating income | $1,153,000 | 2,871 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,687,000 | 1,415 |
| Total interest expense | $3,294,000 | 1,106 |
| Net interest income | $3,393,000 | 1,703 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $255,000 | 3,414 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $161,000 | 2,439 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $94,000 | 3,842 |
| Total noninterest expense | $2,807,000 | 1,599 |
| Salaries and employee benefits | $1,405,000 | 1,743 |
| Premises and equipment expense | $441,000 | 1,478 |
| Additional noninterest expense | $961,000 | 1,371 |
| Pre-tax net operating income | $721,000 | 2,916 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $236,000 | 2,360 |
| Income before extraordinary items | $485,000 | 3,242 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $485,000 | 3,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 515 |
| Cash dividends | $1,259,000 | 625 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 331 |
| Net operating income | $485,000 | 3,221 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $24,794,000 | 1,343 |
| Total interest expense | $9,913,000 | 1,133 |
| Net interest income | $14,881,000 | 1,471 |
| Provision for loan and lease losses | $890,000 | 1,165 |
| Total noninterest income | $952,000 | 3,680 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $355,000 | 3,813 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $597,000 | 3,061 |
| Total noninterest expense | $9,667,000 | 1,759 |
| Salaries and employee benefits | $4,732,000 | 1,950 |
| Premises and equipment expense | $1,645,000 | 1,483 |
| Additional noninterest expense | $3,290,000 | 1,551 |
| Pre-tax net operating income | $5,276,000 | 1,776 |
| Securities gains (losses) | $286,000 | 419 |
| Applicable income taxes | $1,982,000 | 1,373 |
| Income before extraordinary items | $3,580,000 | 1,916 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,580,000 | 1,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $859,000 | 763 |
| Cash dividends | $5,017,000 | 654 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,396,960 | 1,994 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,122,000 | 1,343 |
| Total interest expense | $6,946,000 | 1,147 |
| Net interest income | $11,176,000 | 1,449 |
| Provision for loan and lease losses | $815,000 | 928 |
| Total noninterest income | $561,000 | 4,220 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $198,000 | 4,476 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $363,000 | 3,454 |
| Total noninterest expense | $7,331,000 | 1,714 |
| Salaries and employee benefits | $3,833,000 | 1,807 |
| Premises and equipment expense | $1,219,000 | 1,492 |
| Additional noninterest expense | $2,279,000 | 1,653 |
| Pre-tax net operating income | $3,591,000 | 1,950 |
| Securities gains (losses) | $286,000 | 397 |
| Applicable income taxes | $1,348,000 | 1,502 |
| Income before extraordinary items | $2,529,000 | 2,041 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,529,000 | 2,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $667,000 | 670 |
| Cash dividends | $3,358,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,343,100 | 2,147 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,716,000 | 1,349 |
| Total interest expense | $4,220,000 | 1,184 |
| Net interest income | $7,496,000 | 1,404 |
| Provision for loan and lease losses | $715,000 | 702 |
| Total noninterest income | $343,000 | 4,431 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $131,000 | 4,456 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $212,000 | 3,664 |
| Total noninterest expense | $4,757,000 | 1,750 |
| Salaries and employee benefits | $2,578,000 | 1,777 |
| Premises and equipment expense | $786,000 | 1,536 |
| Additional noninterest expense | $1,393,000 | 1,775 |
| Pre-tax net operating income | $2,367,000 | 1,921 |
| Securities gains (losses) | $286,000 | 340 |
| Applicable income taxes | $926,000 | 1,452 |
| Income before extraordinary items | $1,727,000 | 1,972 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,727,000 | 1,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 556 |
| Cash dividends | $1,679,000 | 856 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,541,100 | 2,149 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,679,000 | 1,356 |
| Total interest expense | $2,001,000 | 1,182 |
| Net interest income | $3,678,000 | 1,434 |
| Provision for loan and lease losses | $415,000 | 573 |
| Total noninterest income | $121,000 | 5,246 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $70,000 | 4,265 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,145 |
| Total noninterest expense | $2,426,000 | 1,723 |
| Salaries and employee benefits | $1,306,000 | 1,771 |
| Premises and equipment expense | $356,000 | 1,688 |
| Additional noninterest expense | $764,000 | 1,611 |
| Pre-tax net operating income | $958,000 | 2,242 |
| Securities gains (losses) | $286,000 | 206 |
| Applicable income taxes | $566,000 | 1,209 |
| Income before extraordinary items | $678,000 | 2,384 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $678,000 | 2,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,721 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $494,960 | 3,034 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,220,000 | 2,356 |
| Total interest expense | $3,127,000 | 2,530 |
| Net interest income | $9,093,000 | 2,247 |
| Provision for loan and lease losses | $427,000 | 2,248 |
| Total noninterest income | $546,000 | 5,050 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $158,000 | 5,672 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $388,000 | 3,774 |
| Total noninterest expense | $4,816,000 | 3,226 |
| Salaries and employee benefits | $2,631,000 | 3,206 |
| Premises and equipment expense | $723,000 | 3,049 |
| Additional noninterest expense | $1,462,000 | 3,192 |
| Pre-tax net operating income | $4,396,000 | 1,888 |
| Securities gains (losses) | $408,000 | 517 |
| Applicable income taxes | $1,877,000 | 1,345 |
| Income before extraordinary items | $2,927,000 | 2,123 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,927,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,572 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,665,880 | 2,244 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,724,000 | 3,090 |
| Total interest expense | $1,622,000 | 3,372 |
| Net interest income | $5,102,000 | 2,945 |
| Provision for loan and lease losses | $200,000 | 2,980 |
| Total noninterest income | $333,000 | 5,580 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $89,000 | 6,233 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $244,000 | 4,102 |
| Total noninterest expense | $3,000,000 | 3,713 |
| Salaries and employee benefits | $1,667,000 | 3,648 |
| Premises and equipment expense | $524,000 | 3,129 |
| Additional noninterest expense | $809,000 | 4,051 |
| Pre-tax net operating income | $2,235,000 | 2,620 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $894,000 | 1,950 |
| Income before extraordinary items | $1,341,000 | 3,258 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,341,000 | 3,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,341,000 | 3,176 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,757,000 | 5,955 |
| Total interest expense | $473,000 | 5,807 |
| Net interest income | $1,284,000 | 5,924 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $72,000 | 7,749 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $23,000 | 7,421 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $665,000 | 7,231 |
| Salaries and employee benefits | $405,000 | 6,910 |
| Premises and equipment expense | $135,000 | 5,977 |
| Additional noninterest expense | $125,000 | 8,029 |
| Pre-tax net operating income | $641,000 | 4,669 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $185,000 | 3,914 |
| Income before extraordinary items | $456,000 | 4,970 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $456,000 | 4,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,878 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $456,000 | 4,885 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,409,000 | 1,284 |
| Total interest expense | $1,470,000 | 1,362 |
| Net interest income | $3,939,000 | 1,263 |
| Provision for loan and lease losses | $365,000 | 690 |
| Total noninterest income | $221,000 | 3,817 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $63,000 | 4,680 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $158,000 | 2,848 |
| Total noninterest expense | $1,996,000 | 2,007 |
| Salaries and employee benefits | $1,297,000 | 1,718 |
| Premises and equipment expense | $400,000 | 1,465 |
| Additional noninterest expense | $299,000 | 3,759 |
| Pre-tax net operating income | $1,799,000 | 1,169 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $589,000 | 1,142 |
| Income before extraordinary items | $1,210,000 | 1,329 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,210,000 | 1,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 781 |
| Cash dividends | $622,000 | 997 |
| Sale, conversion, retirement of capital stock, net | $412,000 | 166 |
| Net operating income | $1,210,000 | 1,264 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,050,000 | 1,283 |
| Total interest expense | $7,169,000 | 1,236 |
| Net interest income | $14,881,000 | 1,312 |
| Provision for loan and lease losses | $1,162,000 | 1,027 |
| Total noninterest income | $1,243,000 | 3,226 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $280,000 | 4,478 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $963,000 | 2,448 |
| Total noninterest expense | $7,367,000 | 2,139 |
| Salaries and employee benefits | $4,608,000 | 1,867 |
| Premises and equipment expense | $1,500,000 | 1,520 |
| Additional noninterest expense | $1,259,000 | 3,592 |
| Pre-tax net operating income | $7,595,000 | 1,107 |
| Securities gains (losses) | $75,000 | 2,153 |
| Applicable income taxes | $2,547,000 | 1,057 |
| Income before extraordinary items | $5,123,000 | 1,254 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,123,000 | 1,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,059,000 | 888 |
| Cash dividends | $3,648,000 | 845 |
| Sale, conversion, retirement of capital stock, net | $1,781,000 | 356 |
| Net operating income | $5,072,750 | 1,192 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,614,000 | 1,308 |
| Total interest expense | $5,644,000 | 1,239 |
| Net interest income | $10,970,000 | 1,346 |
| Provision for loan and lease losses | $470,000 | 1,751 |
| Total noninterest income | $979,000 | 3,182 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $209,000 | 4,495 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $770,000 | 2,423 |
| Total noninterest expense | $5,552,000 | 2,136 |
| Salaries and employee benefits | $3,493,000 | 1,856 |
| Premises and equipment expense | $1,104,000 | 1,551 |
| Additional noninterest expense | $955,000 | 3,536 |
| Pre-tax net operating income | $5,927,000 | 1,093 |
| Securities gains (losses) | $23,000 | 2,888 |
| Applicable income taxes | $1,993,000 | 1,066 |
| Income before extraordinary items | $3,957,000 | 1,239 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,957,000 | 1,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $402,000 | 1,394 |
| Cash dividends | $3,648,000 | 621 |
| Sale, conversion, retirement of capital stock, net | $1,781,000 | 252 |
| Net operating income | $3,941,590 | 1,179 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,064,000 | 1,314 |
| Total interest expense | $3,976,000 | 1,202 |
| Net interest income | $7,088,000 | 1,381 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $624,000 | 3,248 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $138,000 | 4,480 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $486,000 | 2,481 |
| Total noninterest expense | $3,686,000 | 2,131 |
| Salaries and employee benefits | $2,291,000 | 1,871 |
| Premises and equipment expense | $726,000 | 1,576 |
| Additional noninterest expense | $669,000 | 3,372 |
| Pre-tax net operating income | $3,756,000 | 1,143 |
| Securities gains (losses) | $23,000 | 2,537 |
| Applicable income taxes | $1,276,000 | 1,119 |
| Income before extraordinary items | $2,503,000 | 1,323 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,503,000 | 1,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 1,664 |
| Cash dividends | $1,191,000 | 1,148 |
| Sale, conversion, retirement of capital stock, net | $735,000 | 234 |
| Net operating income | $2,487,820 | 1,238 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,521,000 | 1,327 |
| Total interest expense | $2,002,000 | 1,221 |
| Net interest income | $3,519,000 | 1,394 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $248,000 | 3,666 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $69,000 | 4,419 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $179,000 | 2,909 |
| Total noninterest expense | $1,841,000 | 2,128 |
| Salaries and employee benefits | $1,143,000 | 1,865 |
| Premises and equipment expense | $365,000 | 1,581 |
| Additional noninterest expense | $333,000 | 3,335 |
| Pre-tax net operating income | $1,776,000 | 1,211 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $594,000 | 1,196 |
| Income before extraordinary items | $1,182,000 | 1,387 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,182,000 | 1,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,164 |
| Cash dividends | $1,191,000 | 604 |
| Sale, conversion, retirement of capital stock, net | $725,000 | 117 |
| Net operating income | $1,182,000 | 1,301 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,053,000 | 1,330 |
| Total interest expense | $8,867,000 | 1,264 |
| Net interest income | $14,186,000 | 1,367 |
| Provision for loan and lease losses | $1,523,000 | 935 |
| Total noninterest income | $1,082,000 | 3,304 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $285,000 | 4,343 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $797,000 | 2,510 |
| Total noninterest expense | $7,513,000 | 2,002 |
| Salaries and employee benefits | $4,445,000 | 1,811 |
| Premises and equipment expense | $1,667,000 | 1,313 |
| Additional noninterest expense | $1,401,000 | 3,127 |
| Pre-tax net operating income | $6,232,000 | 1,346 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,031,000 | 1,278 |
| Income before extraordinary items | $4,201,000 | 1,475 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,201,000 | 1,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,472,000 | 683 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,448,000 | 338 |
| Net operating income | $4,201,000 | 1,428 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,909,000 | 1,363 |
| Total interest expense | $13,293,000 | 1,213 |
| Net interest income | $11,616,000 | 1,530 |
| Provision for loan and lease losses | $1,230,000 | 1,060 |
| Total noninterest income | $895,000 | 3,584 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $271,000 | 4,431 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $624,000 | 2,762 |
| Total noninterest expense | $6,824,000 | 2,100 |
| Salaries and employee benefits | $4,059,000 | 1,841 |
| Premises and equipment expense | $1,338,000 | 1,608 |
| Additional noninterest expense | $1,427,000 | 3,000 |
| Pre-tax net operating income | $4,457,000 | 1,607 |
| Securities gains (losses) | $-133,000 | 9,520 |
| Applicable income taxes | $1,304,000 | 1,694 |
| Income before extraordinary items | $3,020,000 | 1,744 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,020,000 | 1,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $828,000 | 1,078 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-691,000 | 9,564 |
| Net operating income | $3,113,100 | 1,619 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $26,204,000 | 1,344 |
| Total interest expense | $16,966,000 | 1,042 |
| Net interest income | $9,238,000 | 1,905 |
| Provision for loan and lease losses | $1,120,000 | 973 |
| Total noninterest income | $1,086,000 | 2,969 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $233,000 | 4,711 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $853,000 | 2,069 |
| Total noninterest expense | $5,872,000 | 2,323 |
| Salaries and employee benefits | $3,212,000 | 2,225 |
| Premises and equipment expense | $1,329,000 | 1,561 |
| Additional noninterest expense | $1,331,000 | 3,111 |
| Pre-tax net operating income | $3,332,000 | 2,169 |
| Securities gains (losses) | $-568,000 | 9,715 |
| Applicable income taxes | $575,000 | 3,200 |
| Income before extraordinary items | $2,189,000 | 2,339 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,189,000 | 2,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,198 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-225,000 | 9,803 |
| Net operating income | $2,637,720 | 1,985 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $20,082,000 | 1,615 |
| Total interest expense | $12,460,000 | 1,221 |
| Net interest income | $7,622,000 | 2,315 |
| Provision for loan and lease losses | $1,055,000 | 925 |
| Total noninterest income | $656,000 | 4,167 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $222,000 | 4,837 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $434,000 | 3,234 |
| Total noninterest expense | $5,339,000 | 2,537 |
| Salaries and employee benefits | $2,789,000 | 2,515 |
| Premises and equipment expense | $1,450,000 | 1,397 |
| Additional noninterest expense | $1,100,000 | 3,710 |
| Pre-tax net operating income | $1,884,000 | 3,483 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $477,000 | 3,731 |
| Income before extraordinary items | $1,407,000 | 3,406 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,407,000 | 3,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,868 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $4,049,000 | 295 |
| Net operating income | $1,407,000 | 3,370 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,383,000 | 2,261 |
| Total interest expense | $9,308,000 | 1,656 |
| Net interest income | $5,075,000 | 3,339 |
| Provision for loan and lease losses | $830,000 | 1,145 |
| Total noninterest income | $712,000 | 3,926 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $216,000 | 4,927 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $496,000 | 2,997 |
| Total noninterest expense | $4,252,000 | 3,058 |
| Salaries and employee benefits | $2,200,000 | 3,045 |
| Premises and equipment expense | $1,117,000 | 1,763 |
| Additional noninterest expense | $935,000 | 4,167 |
| Pre-tax net operating income | $705,000 | 6,457 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $198,000 | 6,217 |
| Income before extraordinary items | $507,000 | 6,570 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $507,000 | 6,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 2,074 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 876 |
| Net operating income | $507,000 | 6,452 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,948,000 | 3,255 |
| Total interest expense | $6,140,000 | 2,447 |
| Net interest income | $3,808,000 | 4,416 |
| Provision for loan and lease losses | $535,000 | 1,688 |
| Total noninterest income | $457,000 | 5,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $317,000 | 3,807 |
| Total noninterest expense | $3,408,000 | 3,696 |
| Salaries and employee benefits | $1,710,000 | 3,819 |
| Premises and equipment expense | $899,000 | 2,176 |
| Additional noninterest expense | $799,000 | 4,725 |
| Pre-tax net operating income | $322,000 | 8,874 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $14,000 | 9,835 |
| Income before extraordinary items | $311,000 | 8,298 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $311,000 | 8,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,907 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $308,120 | 8,278 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,314,000 | 5,666 |
| Total interest expense | $2,845,000 | 5,007 |
| Net interest income | $2,469,000 | 6,246 |
| Provision for loan and lease losses | $471,000 | 1,819 |
| Total noninterest income | $96,000 | 9,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 8,722 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,253 |
| Total noninterest expense | $2,073,000 | 5,792 |
| Salaries and employee benefits | $1,122,000 | 5,510 |
| Premises and equipment expense | $435,000 | 4,245 |
| Additional noninterest expense | $516,000 | 6,931 |
| Pre-tax net operating income | $21,000 | 10,706 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $26,000 | 10,703 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $26,000 | 10,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $21,000 | 10,677 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $708,000 | 11,621 |
| Total interest expense | $251,000 | 11,668 |
| Net interest income | $457,000 | 11,499 |
| Provision for loan and lease losses | $181,000 | 3,217 |
| Total noninterest income | $6,000 | 11,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 10,293 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $957,000 | 9,138 |
| Salaries and employee benefits | $390,000 | 10,019 |
| Premises and equipment expense | $119,000 | 9,075 |
| Additional noninterest expense | $448,000 | 7,728 |
| Pre-tax net operating income | $-675,000 | 11,831 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-174,000 | 11,780 |
| Income before extraordinary items | $-501,000 | 11,795 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-501,000 | 11,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $14,295,000 | 32 |
| Net operating income | $-501,000 | 11,788 |
* 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.