Home > United Bank & Trust > Income and Expense
United Bank & Trust, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $17,856,000 | 701 |
| Total interest expense | $951,000 | 1,581 |
| Net interest income | $16,905,000 | 650 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $8,839,000 | 413 |
| Gross Fiduciary activities income | $2,189,000 | 213 |
| Service charges on deposit accounts | $859,000 | 781 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $5,791,000 | 398 |
| Total noninterest expense | $17,171,000 | 597 |
| Salaries and employee benefits | $11,223,000 | 491 |
| Premises and equipment expense | $1,899,000 | 651 |
| Additional noninterest expense | $4,049,000 | 801 |
| Pre-tax net operating income | $8,573,000 | 512 |
| Securities gains (losses) | $-22,000 | 6,393 |
| Applicable income taxes | $2,712,000 | 460 |
| Income before extraordinary items | $5,839,000 | 571 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $5,839,000 | 570 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $5,839,000 | 571 |
| Net charge-offs | $1,889,000 | 300 |
| Cash dividends | $6,000,000 | 257 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $5,853,960 | 564 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $8,890,000 | 706 |
| Total interest expense | $521,000 | 1,456 |
| Net interest income | $8,369,000 | 654 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $4,276,000 | 416 |
| Gross Fiduciary activities income | $1,076,000 | 213 |
| Service charges on deposit accounts | $415,000 | 789 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $2,785,000 | 398 |
| Total noninterest expense | $8,702,000 | 590 |
| Salaries and employee benefits | $5,553,000 | 496 |
| Premises and equipment expense | $969,000 | 661 |
| Additional noninterest expense | $2,180,000 | 745 |
| Pre-tax net operating income | $3,943,000 | 531 |
| Securities gains (losses) | $4,000 | 1,399 |
| Applicable income taxes | $1,233,000 | 479 |
| Income before extraordinary items | $2,714,000 | 588 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,714,000 | 589 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $2,714,000 | 589 |
| Net charge-offs | $1,391,000 | 229 |
| Cash dividends | $3,000,000 | 235 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $2,711,240 | 582 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $34,593,000 | 717 |
| Total interest expense | $2,925,000 | 1,156 |
| Net interest income | $31,668,000 | 671 |
| Provision for loan and lease losses | $1,900,000 | 647 |
| Total noninterest income | $21,049,000 | 395 |
| Gross Fiduciary activities income | $4,203,000 | 204 |
| Service charges on deposit accounts | $1,844,000 | 758 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $15,002,000 | 360 |
| Total noninterest expense | $37,429,000 | 551 |
| Salaries and employee benefits | $23,592,000 | 466 |
| Premises and equipment expense | $4,082,000 | 593 |
| Additional noninterest expense | $9,755,000 | 715 |
| Pre-tax net operating income | $13,388,000 | 594 |
| Securities gains (losses) | $54,000 | 1,741 |
| Applicable income taxes | $4,079,000 | 524 |
| Income before extraordinary items | $9,363,000 | 684 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $9,363,000 | 685 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $9,363,000 | 684 |
| Net charge-offs | $3,995,000 | 410 |
| Cash dividends | $10,000,000 | 328 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $9,325,200 | 659 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $25,473,000 | 736 |
| Total interest expense | $2,333,000 | 1,116 |
| Net interest income | $23,140,000 | 688 |
| Provision for loan and lease losses | $1,900,000 | 516 |
| Total noninterest income | $16,464,000 | 395 |
| Gross Fiduciary activities income | $3,123,000 | 201 |
| Service charges on deposit accounts | $1,394,000 | 757 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $11,947,000 | 357 |
| Total noninterest expense | $28,342,000 | 553 |
| Salaries and employee benefits | $17,907,000 | 462 |
| Premises and equipment expense | $3,037,000 | 605 |
| Additional noninterest expense | $7,398,000 | 711 |
| Pre-tax net operating income | $9,362,000 | 648 |
| Securities gains (losses) | $40,000 | 1,818 |
| Applicable income taxes | $2,823,000 | 580 |
| Income before extraordinary items | $6,579,000 | 731 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $6,579,000 | 731 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $6,579,000 | 733 |
| Net charge-offs | $2,479,000 | 514 |
| Cash dividends | $6,000,000 | 355 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,551,000 | 713 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $16,783,000 | 738 |
| Total interest expense | $1,643,000 | 1,081 |
| Net interest income | $15,140,000 | 695 |
| Provision for loan and lease losses | $1,600,000 | 444 |
| Total noninterest income | $11,434,000 | 382 |
| Gross Fiduciary activities income | $2,092,000 | 203 |
| Service charges on deposit accounts | $908,000 | 766 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $8,434,000 | 355 |
| Total noninterest expense | $18,989,000 | 551 |
| Salaries and employee benefits | $12,054,000 | 465 |
| Premises and equipment expense | $2,012,000 | 615 |
| Additional noninterest expense | $4,923,000 | 704 |
| Pre-tax net operating income | $5,985,000 | 649 |
| Securities gains (losses) | $39,000 | 1,677 |
| Applicable income taxes | $1,796,000 | 586 |
| Income before extraordinary items | $4,228,000 | 741 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,228,000 | 743 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $4,228,000 | 743 |
| Net charge-offs | $2,142,000 | 421 |
| Cash dividends | $3,000,000 | 448 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $4,200,700 | 713 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $8,174,000 | 764 |
| Total interest expense | $874,000 | 1,053 |
| Net interest income | $7,300,000 | 730 |
| Provision for loan and lease losses | $1,000,000 | 387 |
| Total noninterest income | $5,809,000 | 386 |
| Gross Fiduciary activities income | $1,019,000 | 203 |
| Service charges on deposit accounts | $429,000 | 797 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,361,000 | 337 |
| Total noninterest expense | $9,291,000 | 567 |
| Salaries and employee benefits | $5,858,000 | 487 |
| Premises and equipment expense | $997,000 | 632 |
| Additional noninterest expense | $2,436,000 | 709 |
| Pre-tax net operating income | $2,818,000 | 686 |
| Securities gains (losses) | $28,000 | 1,163 |
| Applicable income taxes | $825,000 | 620 |
| Income before extraordinary items | $2,021,000 | 772 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $2,021,000 | 773 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $2,021,000 | 774 |
| Net charge-offs | $1,384,000 | 356 |
| Cash dividends | $1,000,000 | 526 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $2,001,120 | 743 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $34,748,000 | 749 |
| Total interest expense | $4,528,000 | 1,003 |
| Net interest income | $30,220,000 | 721 |
| Provision for loan and lease losses | $8,350,000 | 322 |
| Total noninterest income | $20,864,000 | 410 |
| Gross Fiduciary activities income | $3,770,000 | 208 |
| Service charges on deposit accounts | $1,900,000 | 751 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $15,194,000 | 367 |
| Total noninterest expense | $35,873,000 | 584 |
| Salaries and employee benefits | $17,831,000 | 593 |
| Premises and equipment expense | $3,999,000 | 602 |
| Additional noninterest expense | $14,043,000 | 523 |
| Pre-tax net operating income | $6,861,000 | 1,038 |
| Securities gains (losses) | $4,000 | 3,557 |
| Applicable income taxes | $1,791,000 | 953 |
| Income before extraordinary items | $5,074,000 | 1,168 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,074,000 | 1,169 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $5,074,000 | 1,169 |
| Net charge-offs | $6,441,000 | 472 |
| Cash dividends | $1,600,000 | 1,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $5,071,040 | 1,101 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $26,361,000 | 754 |
| Total interest expense | $3,540,000 | 1,009 |
| Net interest income | $22,821,000 | 716 |
| Provision for loan and lease losses | $6,650,000 | 321 |
| Total noninterest income | $15,044,000 | 419 |
| Gross Fiduciary activities income | $2,769,000 | 208 |
| Service charges on deposit accounts | $1,412,000 | 765 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $10,863,000 | 374 |
| Total noninterest expense | $26,459,000 | 591 |
| Salaries and employee benefits | $15,648,000 | 515 |
| Premises and equipment expense | $2,947,000 | 609 |
| Additional noninterest expense | $7,864,000 | 669 |
| Pre-tax net operating income | $4,756,000 | 1,132 |
| Securities gains (losses) | $4,000 | 3,304 |
| Applicable income taxes | $1,210,000 | 1,064 |
| Income before extraordinary items | $3,550,000 | 1,271 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $3,550,000 | 1,273 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,550,000 | 1,272 |
| Net charge-offs | $4,824,000 | 473 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $3,547,000 | 1,201 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $17,616,000 | 764 |
| Total interest expense | $2,455,000 | 996 |
| Net interest income | $15,161,000 | 727 |
| Provision for loan and lease losses | $4,650,000 | 320 |
| Total noninterest income | $9,859,000 | 417 |
| Gross Fiduciary activities income | $1,821,000 | 211 |
| Service charges on deposit accounts | $910,000 | 778 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,128,000 | 366 |
| Total noninterest expense | $17,632,000 | 590 |
| Salaries and employee benefits | $10,199,000 | 520 |
| Premises and equipment expense | $1,943,000 | 617 |
| Additional noninterest expense | $5,490,000 | 640 |
| Pre-tax net operating income | $2,738,000 | 1,295 |
| Securities gains (losses) | $4,000 | 2,922 |
| Applicable income taxes | $660,000 | 1,229 |
| Income before extraordinary items | $2,082,000 | 1,431 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,082,000 | 1,430 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,082,000 | 1,431 |
| Net charge-offs | $3,186,000 | 496 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $2,078,960 | 1,347 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $8,844,000 | 766 |
| Total interest expense | $1,264,000 | 1,004 |
| Net interest income | $7,580,000 | 724 |
| Provision for loan and lease losses | $2,100,000 | 334 |
| Total noninterest income | $4,657,000 | 419 |
| Gross Fiduciary activities income | $884,000 | 219 |
| Service charges on deposit accounts | $443,000 | 787 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,330,000 | 383 |
| Total noninterest expense | $8,972,000 | 569 |
| Salaries and employee benefits | $4,993,000 | 527 |
| Premises and equipment expense | $969,000 | 616 |
| Additional noninterest expense | $3,010,000 | 581 |
| Pre-tax net operating income | $1,165,000 | 1,480 |
| Securities gains (losses) | $4,000 | 1,941 |
| Applicable income taxes | $254,000 | 1,474 |
| Income before extraordinary items | $915,000 | 1,596 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $915,000 | 1,597 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $915,000 | 1,597 |
| Net charge-offs | $1,685,000 | 454 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $911,880 | 1,496 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $36,260,000 | 779 |
| Total interest expense | $6,114,000 | 997 |
| Net interest income | $30,146,000 | 720 |
| Provision for loan and lease losses | $12,150,000 | 365 |
| Total noninterest income | $16,091,000 | 441 |
| Gross Fiduciary activities income | $3,610,000 | 172 |
| Service charges on deposit accounts | $1,939,000 | 753 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $10,542,000 | 412 |
| Total noninterest expense | $33,114,000 | 602 |
| Salaries and employee benefits | $18,909,000 | 514 |
| Premises and equipment expense | $3,788,000 | 655 |
| Additional noninterest expense | $10,417,000 | 690 |
| Pre-tax net operating income | $973,000 | 3,776 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $-260,000 | 6,966 |
| Income before extraordinary items | $1,233,000 | 3,157 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,233,000 | 3,160 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,233,000 | 3,160 |
| Net charge-offs | $16,680,000 | 292 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,233,000 | 3,056 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $27,167,000 | 797 |
| Total interest expense | $4,722,000 | 1,012 |
| Net interest income | $22,445,000 | 734 |
| Provision for loan and lease losses | $11,900,000 | 277 |
| Total noninterest income | $11,884,000 | 442 |
| Gross Fiduciary activities income | $2,664,000 | 177 |
| Service charges on deposit accounts | $1,464,000 | 750 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $7,756,000 | 418 |
| Total noninterest expense | $24,819,000 | 610 |
| Salaries and employee benefits | $14,058,000 | 522 |
| Premises and equipment expense | $2,858,000 | 663 |
| Additional noninterest expense | $7,903,000 | 673 |
| Pre-tax net operating income | $-2,390,000 | 7,056 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-1,256,000 | 7,322 |
| Income before extraordinary items | $-1,134,000 | 6,895 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,134,000 | 6,897 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,134,000 | 6,896 |
| Net charge-offs | $12,706,000 | 293 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,134,000 | 6,859 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $18,252,000 | 801 |
| Total interest expense | $3,253,000 | 1,018 |
| Net interest income | $14,999,000 | 739 |
| Provision for loan and lease losses | $5,900,000 | 366 |
| Total noninterest income | $8,136,000 | 437 |
| Gross Fiduciary activities income | $1,795,000 | 179 |
| Service charges on deposit accounts | $972,000 | 754 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,369,000 | 408 |
| Total noninterest expense | $16,340,000 | 627 |
| Salaries and employee benefits | $9,317,000 | 522 |
| Premises and equipment expense | $1,901,000 | 665 |
| Additional noninterest expense | $5,122,000 | 709 |
| Pre-tax net operating income | $895,000 | 2,719 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-1,000 | 6,786 |
| Income before extraordinary items | $896,000 | 2,469 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $896,000 | 2,469 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $896,000 | 2,469 |
| Net charge-offs | $5,693,000 | 418 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $896,000 | 2,385 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $9,123,000 | 805 |
| Total interest expense | $1,687,000 | 1,018 |
| Net interest income | $7,436,000 | 744 |
| Provision for loan and lease losses | $2,800,000 | 393 |
| Total noninterest income | $3,825,000 | 453 |
| Gross Fiduciary activities income | $920,000 | 184 |
| Service charges on deposit accounts | $484,000 | 744 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $2,421,000 | 446 |
| Total noninterest expense | $7,992,000 | 645 |
| Salaries and employee benefits | $4,567,000 | 542 |
| Premises and equipment expense | $930,000 | 703 |
| Additional noninterest expense | $2,495,000 | 723 |
| Pre-tax net operating income | $469,000 | 2,674 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $4,000 | 4,128 |
| Income before extraordinary items | $465,000 | 2,387 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $465,000 | 2,386 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $465,000 | 2,387 |
| Net charge-offs | $2,769,000 | 426 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $465,000 | 2,343 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $39,914,000 | 765 |
| Total interest expense | $8,699,000 | 961 |
| Net interest income | $31,215,000 | 688 |
| Provision for loan and lease losses | $21,530,000 | 346 |
| Total noninterest income | $15,245,000 | 474 |
| Gross Fiduciary activities income | $3,246,000 | 192 |
| Service charges on deposit accounts | $2,119,000 | 713 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $9,880,000 | 455 |
| Total noninterest expense | $30,921,000 | 656 |
| Salaries and employee benefits | $15,559,000 | 615 |
| Premises and equipment expense | $3,648,000 | 701 |
| Additional noninterest expense | $11,714,000 | 653 |
| Pre-tax net operating income | $-5,991,000 | 7,182 |
| Securities gains (losses) | $31,000 | 2,920 |
| Applicable income taxes | $-2,715,000 | 7,511 |
| Income before extraordinary items | $-3,245,000 | 7,027 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,245,000 | 7,027 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,245,000 | 7,028 |
| Net charge-offs | $16,387,000 | 399 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-3,264,840 | 7,011 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $30,303,000 | 756 |
| Total interest expense | $6,867,000 | 942 |
| Net interest income | $23,436,000 | 688 |
| Provision for loan and lease losses | $16,600,000 | 325 |
| Total noninterest income | $10,877,000 | 484 |
| Gross Fiduciary activities income | $2,387,000 | 191 |
| Service charges on deposit accounts | $1,595,000 | 725 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $6,895,000 | 464 |
| Total noninterest expense | $22,937,000 | 656 |
| Salaries and employee benefits | $10,855,000 | 659 |
| Premises and equipment expense | $2,714,000 | 721 |
| Additional noninterest expense | $9,368,000 | 586 |
| Pre-tax net operating income | $-5,224,000 | 7,379 |
| Securities gains (losses) | $31,000 | 2,707 |
| Applicable income taxes | $-2,300,000 | 7,617 |
| Income before extraordinary items | $-2,893,000 | 7,257 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,893,000 | 7,257 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,893,000 | 7,257 |
| Net charge-offs | $13,129,000 | 369 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,912,840 | 7,240 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $20,274,000 | 763 |
| Total interest expense | $4,839,000 | 921 |
| Net interest income | $15,435,000 | 700 |
| Provision for loan and lease losses | $13,450,000 | 288 |
| Total noninterest income | $6,272,000 | 529 |
| Gross Fiduciary activities income | $1,576,000 | 196 |
| Service charges on deposit accounts | $1,066,000 | 723 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $3,630,000 | 526 |
| Total noninterest expense | $14,922,000 | 666 |
| Salaries and employee benefits | $6,363,000 | 754 |
| Premises and equipment expense | $1,738,000 | 756 |
| Additional noninterest expense | $6,821,000 | 541 |
| Pre-tax net operating income | $-6,665,000 | 7,613 |
| Securities gains (losses) | $31,000 | 2,160 |
| Applicable income taxes | $-2,627,000 | 7,720 |
| Income before extraordinary items | $-4,007,000 | 7,522 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,007,000 | 7,521 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-4,007,000 | 7,522 |
| Net charge-offs | $10,108,000 | 333 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,026,840 | 7,521 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,427,000 | 1,498 |
| Total interest expense | $1,372,000 | 1,720 |
| Net interest income | $4,055,000 | 1,415 |
| Provision for loan and lease losses | $3,850,000 | 467 |
| Total noninterest income | $2,208,000 | 659 |
| Gross Fiduciary activities income | $768,000 | 203 |
| Service charges on deposit accounts | $395,000 | 996 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,045,000 | 768 |
| Total noninterest expense | $4,568,000 | 1,094 |
| Salaries and employee benefits | $1,436,000 | 1,741 |
| Premises and equipment expense | $378,000 | 1,794 |
| Additional noninterest expense | $2,754,000 | 665 |
| Pre-tax net operating income | $-2,155,000 | 7,619 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-910,000 | 7,785 |
| Income before extraordinary items | $-1,245,000 | 7,526 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,245,000 | 7,527 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,245,000 | 7,527 |
| Net charge-offs | $3,011,000 | 485 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,245,000 | 7,520 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $24,853,000 | 1,383 |
| Total interest expense | $6,940,000 | 1,700 |
| Net interest income | $17,913,000 | 1,251 |
| Provision for loan and lease losses | $18,500,000 | 525 |
| Total noninterest income | $9,676,000 | 656 |
| Gross Fiduciary activities income | $2,975,000 | 200 |
| Service charges on deposit accounts | $1,948,000 | 885 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,753,000 | 746 |
| Total noninterest expense | $20,605,000 | 1,013 |
| Salaries and employee benefits | $6,169,000 | 1,615 |
| Premises and equipment expense | $1,516,000 | 1,784 |
| Additional noninterest expense | $12,920,000 | 626 |
| Pre-tax net operating income | $-11,516,000 | 7,543 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-4,496,000 | 7,739 |
| Income before extraordinary items | $-7,020,000 | 7,430 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-7,020,000 | 7,429 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-7,020,000 | 7,429 |
| Net charge-offs | $17,673,000 | 448 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-7,020,000 | 7,443 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $18,861,000 | 1,387 |
| Total interest expense | $5,411,000 | 1,715 |
| Net interest income | $13,450,000 | 1,249 |
| Provision for loan and lease losses | $14,700,000 | 469 |
| Total noninterest income | $7,212,000 | 662 |
| Gross Fiduciary activities income | $2,164,000 | 204 |
| Service charges on deposit accounts | $1,473,000 | 873 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,575,000 | 752 |
| Total noninterest expense | $15,759,000 | 983 |
| Salaries and employee benefits | $4,678,000 | 1,607 |
| Premises and equipment expense | $1,164,000 | 1,759 |
| Additional noninterest expense | $9,917,000 | 586 |
| Pre-tax net operating income | $-9,797,000 | 7,736 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-3,730,000 | 7,853 |
| Income before extraordinary items | $-6,067,000 | 7,654 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,067,000 | 7,654 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,067,000 | 7,654 |
| Net charge-offs | $9,912,000 | 508 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-6,067,000 | 7,661 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,846,000 | 1,392 |
| Total interest expense | $3,767,000 | 1,720 |
| Net interest income | $9,079,000 | 1,228 |
| Provision for loan and lease losses | $8,500,000 | 506 |
| Total noninterest income | $5,476,000 | 617 |
| Gross Fiduciary activities income | $1,407,000 | 205 |
| Service charges on deposit accounts | $968,000 | 872 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $3,101,000 | 626 |
| Total noninterest expense | $11,605,000 | 924 |
| Salaries and employee benefits | $3,207,000 | 1,602 |
| Premises and equipment expense | $774,000 | 1,792 |
| Additional noninterest expense | $7,624,000 | 531 |
| Pre-tax net operating income | $-5,550,000 | 7,765 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-2,103,000 | 7,907 |
| Income before extraordinary items | $-3,447,000 | 7,673 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,447,000 | 7,672 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,447,000 | 7,672 |
| Net charge-offs | $7,516,000 | 452 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,447,000 | 7,685 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,491,000 | 1,390 |
| Total interest expense | $2,000,000 | 1,699 |
| Net interest income | $4,491,000 | 1,235 |
| Provision for loan and lease losses | $4,600,000 | 423 |
| Total noninterest income | $2,563,000 | 618 |
| Gross Fiduciary activities income | $710,000 | 204 |
| Service charges on deposit accounts | $472,000 | 868 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,381,000 | 666 |
| Total noninterest expense | $6,514,000 | 769 |
| Salaries and employee benefits | $1,595,000 | 1,625 |
| Premises and equipment expense | $396,000 | 1,786 |
| Additional noninterest expense | $4,523,000 | 404 |
| Pre-tax net operating income | $-4,060,000 | 7,990 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-1,414,000 | 8,051 |
| Income before extraordinary items | $-2,646,000 | 7,955 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,646,000 | 7,956 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,646,000 | 7,956 |
| Net charge-offs | $3,956,000 | 374 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,646,000 | 7,959 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $28,365,000 | 1,366 |
| Total interest expense | $10,360,000 | 1,567 |
| Net interest income | $18,005,000 | 1,232 |
| Provision for loan and lease losses | $11,642,000 | 524 |
| Total noninterest income | $9,725,000 | 612 |
| Gross Fiduciary activities income | $3,305,000 | 197 |
| Service charges on deposit accounts | $2,340,000 | 737 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $4,080,000 | 761 |
| Total noninterest expense | $18,938,000 | 1,044 |
| Salaries and employee benefits | $6,359,000 | 1,618 |
| Premises and equipment expense | $1,490,000 | 1,833 |
| Additional noninterest expense | $11,089,000 | 623 |
| Pre-tax net operating income | $-2,850,000 | 7,556 |
| Securities gains (losses) | $86,000 | 1,243 |
| Applicable income taxes | $-1,685,000 | 7,876 |
| Income before extraordinary items | $-1,079,000 | 7,029 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,079,000 | 7,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,699,000 | 546 |
| Cash dividends | $5,480,000 | 523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,134,040 | 7,173 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $21,592,000 | 1,370 |
| Total interest expense | $7,923,000 | 1,592 |
| Net interest income | $13,669,000 | 1,237 |
| Provision for loan and lease losses | $3,485,000 | 822 |
| Total noninterest income | $7,891,000 | 598 |
| Gross Fiduciary activities income | $2,580,000 | 197 |
| Service charges on deposit accounts | $1,779,000 | 742 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,532,000 | 733 |
| Total noninterest expense | $14,392,000 | 1,027 |
| Salaries and employee benefits | $4,902,000 | 1,599 |
| Premises and equipment expense | $1,117,000 | 1,831 |
| Additional noninterest expense | $8,373,000 | 584 |
| Pre-tax net operating income | $3,683,000 | 1,331 |
| Securities gains (losses) | $86,000 | 1,065 |
| Applicable income taxes | $724,000 | 1,493 |
| Income before extraordinary items | $3,045,000 | 1,221 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,045,000 | 1,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,283,000 | 767 |
| Cash dividends | $4,230,000 | 527 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,975,340 | 1,320 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,646,000 | 1,364 |
| Total interest expense | $5,516,000 | 1,587 |
| Net interest income | $9,130,000 | 1,224 |
| Provision for loan and lease losses | $1,460,000 | 972 |
| Total noninterest income | $5,222,000 | 617 |
| Gross Fiduciary activities income | $1,747,000 | 200 |
| Service charges on deposit accounts | $1,170,000 | 739 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,305,000 | 764 |
| Total noninterest expense | $9,495,000 | 1,033 |
| Salaries and employee benefits | $3,374,000 | 1,561 |
| Premises and equipment expense | $755,000 | 1,811 |
| Additional noninterest expense | $5,366,000 | 583 |
| Pre-tax net operating income | $3,397,000 | 1,053 |
| Securities gains (losses) | $86,000 | 1,077 |
| Applicable income taxes | $815,000 | 1,102 |
| Income before extraordinary items | $2,668,000 | 1,029 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,668,000 | 1,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,119,000 | 799 |
| Cash dividends | $3,230,000 | 516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,601,780 | 1,045 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,637,000 | 1,341 |
| Total interest expense | $3,006,000 | 1,566 |
| Net interest income | $4,631,000 | 1,193 |
| Provision for loan and lease losses | $335,000 | 1,283 |
| Total noninterest income | $2,537,000 | 637 |
| Gross Fiduciary activities income | $865,000 | 201 |
| Service charges on deposit accounts | $548,000 | 783 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,124,000 | 787 |
| Total noninterest expense | $4,853,000 | 1,001 |
| Salaries and employee benefits | $1,779,000 | 1,497 |
| Premises and equipment expense | $370,000 | 1,838 |
| Additional noninterest expense | $2,704,000 | 556 |
| Pre-tax net operating income | $1,980,000 | 953 |
| Securities gains (losses) | $53,000 | 1,054 |
| Applicable income taxes | $509,000 | 992 |
| Income before extraordinary items | $1,524,000 | 987 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,524,000 | 989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $861,000 | 508 |
| Cash dividends | $1,730,000 | 488 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,484,250 | 973 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $31,836,000 | 1,344 |
| Total interest expense | $13,159,000 | 1,526 |
| Net interest income | $18,677,000 | 1,190 |
| Provision for loan and lease losses | $5,654,000 | 370 |
| Total noninterest income | $10,138,000 | 604 |
| Gross Fiduciary activities income | $3,775,000 | 188 |
| Service charges on deposit accounts | $2,474,000 | 720 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,889,000 | 841 |
| Total noninterest expense | $17,492,000 | 1,072 |
| Salaries and employee benefits | $6,902,000 | 1,462 |
| Premises and equipment expense | $1,435,000 | 1,834 |
| Additional noninterest expense | $9,155,000 | 634 |
| Pre-tax net operating income | $5,669,000 | 1,472 |
| Securities gains (losses) | $9,000 | 1,380 |
| Applicable income taxes | $1,191,000 | 1,655 |
| Income before extraordinary items | $4,487,000 | 1,441 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,487,000 | 1,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,058,000 | 365 |
| Cash dividends | $9,250,000 | 445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,479,890 | 1,426 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $23,786,000 | 1,353 |
| Total interest expense | $9,807,000 | 1,537 |
| Net interest income | $13,979,000 | 1,205 |
| Provision for loan and lease losses | $2,000,000 | 523 |
| Total noninterest income | $7,546,000 | 611 |
| Gross Fiduciary activities income | $2,822,000 | 185 |
| Service charges on deposit accounts | $1,826,000 | 714 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,898,000 | 845 |
| Total noninterest expense | $13,207,000 | 1,051 |
| Salaries and employee benefits | $5,277,000 | 1,442 |
| Premises and equipment expense | $1,118,000 | 1,760 |
| Additional noninterest expense | $6,812,000 | 616 |
| Pre-tax net operating income | $6,318,000 | 1,092 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $1,587,000 | 1,165 |
| Income before extraordinary items | $4,732,000 | 1,111 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,732,000 | 1,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,848,000 | 306 |
| Cash dividends | $6,550,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,731,250 | 1,086 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,671,000 | 1,380 |
| Total interest expense | $6,423,000 | 1,568 |
| Net interest income | $9,248,000 | 1,236 |
| Provision for loan and lease losses | $1,645,000 | 386 |
| Total noninterest income | $5,005,000 | 636 |
| Gross Fiduciary activities income | $1,889,000 | 190 |
| Service charges on deposit accounts | $1,181,000 | 751 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,935,000 | 883 |
| Total noninterest expense | $8,672,000 | 1,089 |
| Salaries and employee benefits | $3,455,000 | 1,488 |
| Premises and equipment expense | $740,000 | 1,789 |
| Additional noninterest expense | $4,477,000 | 629 |
| Pre-tax net operating income | $3,936,000 | 1,198 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $961,000 | 1,310 |
| Income before extraordinary items | $2,976,000 | 1,202 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,976,000 | 1,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,433,000 | 234 |
| Cash dividends | $3,550,000 | 560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,975,240 | 1,185 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,737,000 | 1,389 |
| Total interest expense | $3,145,000 | 1,584 |
| Net interest income | $4,592,000 | 1,244 |
| Provision for loan and lease losses | $1,110,000 | 278 |
| Total noninterest income | $2,472,000 | 627 |
| Gross Fiduciary activities income | $960,000 | 184 |
| Service charges on deposit accounts | $565,000 | 742 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $947,000 | 878 |
| Total noninterest expense | $4,233,000 | 1,109 |
| Salaries and employee benefits | $1,694,000 | 1,529 |
| Premises and equipment expense | $379,000 | 1,756 |
| Additional noninterest expense | $2,160,000 | 643 |
| Pre-tax net operating income | $1,721,000 | 1,362 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $399,000 | 1,524 |
| Income before extraordinary items | $1,323,000 | 1,324 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,323,000 | 1,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 993 |
| Cash dividends | $2,050,000 | 440 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,322,230 | 1,317 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,613,000 | 1,285 |
| Total interest expense | $11,825,000 | 1,416 |
| Net interest income | $18,788,000 | 1,199 |
| Provision for loan and lease losses | $1,338,000 | 781 |
| Total noninterest income | $9,746,000 | 627 |
| Gross Fiduciary activities income | $3,790,000 | 178 |
| Service charges on deposit accounts | $2,449,000 | 726 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,507,000 | 892 |
| Total noninterest expense | $18,042,000 | 995 |
| Salaries and employee benefits | $7,388,000 | 1,324 |
| Premises and equipment expense | $1,452,000 | 1,748 |
| Additional noninterest expense | $9,202,000 | 607 |
| Pre-tax net operating income | $9,154,000 | 1,073 |
| Securities gains (losses) | $12,000 | 1,037 |
| Applicable income taxes | $2,396,000 | 1,147 |
| Income before extraordinary items | $6,770,000 | 1,103 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,770,000 | 1,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $606,000 | 1,004 |
| Cash dividends | $4,425,000 | 796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,761,120 | 1,092 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,666,000 | 1,303 |
| Total interest expense | $8,655,000 | 1,407 |
| Net interest income | $14,011,000 | 1,216 |
| Provision for loan and lease losses | $696,000 | 1,059 |
| Total noninterest income | $7,321,000 | 635 |
| Gross Fiduciary activities income | $2,842,000 | 187 |
| Service charges on deposit accounts | $1,815,000 | 740 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,664,000 | 904 |
| Total noninterest expense | $13,661,000 | 983 |
| Salaries and employee benefits | $5,724,000 | 1,290 |
| Premises and equipment expense | $1,098,000 | 1,734 |
| Additional noninterest expense | $6,839,000 | 618 |
| Pre-tax net operating income | $6,975,000 | 1,098 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $1,840,000 | 1,167 |
| Income before extraordinary items | $5,133,000 | 1,125 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,133,000 | 1,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $540,000 | 758 |
| Cash dividends | $2,925,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,134,480 | 1,114 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,769,000 | 1,305 |
| Total interest expense | $5,520,000 | 1,398 |
| Net interest income | $9,249,000 | 1,230 |
| Provision for loan and lease losses | $504,000 | 967 |
| Total noninterest income | $4,813,000 | 642 |
| Gross Fiduciary activities income | $1,928,000 | 193 |
| Service charges on deposit accounts | $1,169,000 | 749 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,716,000 | 938 |
| Total noninterest expense | $9,149,000 | 989 |
| Salaries and employee benefits | $3,878,000 | 1,281 |
| Premises and equipment expense | $727,000 | 1,747 |
| Additional noninterest expense | $4,544,000 | 627 |
| Pre-tax net operating income | $4,409,000 | 1,153 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $1,143,000 | 1,250 |
| Income before extraordinary items | $3,264,000 | 1,174 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,264,000 | 1,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 899 |
| Cash dividends | $1,450,000 | 1,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,265,480 | 1,153 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,219,000 | 1,311 |
| Total interest expense | $2,637,000 | 1,396 |
| Net interest income | $4,582,000 | 1,237 |
| Provision for loan and lease losses | $252,000 | 913 |
| Total noninterest income | $2,381,000 | 636 |
| Gross Fiduciary activities income | $1,000,000 | 189 |
| Service charges on deposit accounts | $558,000 | 762 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $823,000 | 942 |
| Total noninterest expense | $4,642,000 | 965 |
| Salaries and employee benefits | $1,996,000 | 1,241 |
| Premises and equipment expense | $366,000 | 1,745 |
| Additional noninterest expense | $2,280,000 | 617 |
| Pre-tax net operating income | $2,069,000 | 1,192 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $521,000 | 1,346 |
| Income before extraordinary items | $1,546,000 | 1,203 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,546,000 | 1,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 879 |
| Cash dividends | $1,450,000 | 557 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,547,500 | 1,182 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,769,000 | 1,253 |
| Total interest expense | $8,868,000 | 1,281 |
| Net interest income | $17,901,000 | 1,206 |
| Provision for loan and lease losses | $793,000 | 1,277 |
| Total noninterest income | $9,306,000 | 655 |
| Gross Fiduciary activities income | $3,895,000 | 185 |
| Service charges on deposit accounts | $2,236,000 | 777 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,175,000 | 976 |
| Total noninterest expense | $17,257,000 | 979 |
| Salaries and employee benefits | $7,453,000 | 1,236 |
| Premises and equipment expense | $1,377,000 | 1,763 |
| Additional noninterest expense | $8,427,000 | 648 |
| Pre-tax net operating income | $9,157,000 | 1,050 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $2,452,000 | 1,149 |
| Income before extraordinary items | $6,704,000 | 1,078 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,704,000 | 1,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $665,000 | 928 |
| Cash dividends | $6,775,000 | 513 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,704,730 | 1,061 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,633,000 | 1,236 |
| Total interest expense | $6,327,000 | 1,266 |
| Net interest income | $13,306,000 | 1,200 |
| Provision for loan and lease losses | $567,000 | 1,254 |
| Total noninterest income | $6,992,000 | 656 |
| Gross Fiduciary activities income | $2,949,000 | 180 |
| Service charges on deposit accounts | $1,632,000 | 799 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,411,000 | 968 |
| Total noninterest expense | $12,887,000 | 976 |
| Salaries and employee benefits | $5,661,000 | 1,215 |
| Premises and equipment expense | $1,019,000 | 1,773 |
| Additional noninterest expense | $6,207,000 | 655 |
| Pre-tax net operating income | $6,844,000 | 1,056 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $1,849,000 | 1,152 |
| Income before extraordinary items | $4,994,000 | 1,073 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,994,000 | 1,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,050 |
| Cash dividends | $6,375,000 | 394 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,994,730 | 1,058 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,767,000 | 1,226 |
| Total interest expense | $3,975,000 | 1,266 |
| Net interest income | $8,792,000 | 1,200 |
| Provision for loan and lease losses | $378,000 | 1,244 |
| Total noninterest income | $4,540,000 | 660 |
| Gross Fiduciary activities income | $1,958,000 | 180 |
| Service charges on deposit accounts | $1,049,000 | 807 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,533,000 | 996 |
| Total noninterest expense | $8,499,000 | 985 |
| Salaries and employee benefits | $3,773,000 | 1,213 |
| Premises and equipment expense | $657,000 | 1,819 |
| Additional noninterest expense | $4,069,000 | 655 |
| Pre-tax net operating income | $4,455,000 | 1,066 |
| Securities gains (losses) | $-1,000 | 7,609 |
| Applicable income taxes | $1,207,000 | 1,160 |
| Income before extraordinary items | $3,247,000 | 1,075 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,247,000 | 1,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 1,038 |
| Cash dividends | $4,550,000 | 366 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,247,730 | 1,059 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,224,000 | 1,233 |
| Total interest expense | $1,887,000 | 1,256 |
| Net interest income | $4,337,000 | 1,219 |
| Provision for loan and lease losses | $189,000 | 1,178 |
| Total noninterest income | $2,221,000 | 657 |
| Gross Fiduciary activities income | $1,003,000 | 180 |
| Service charges on deposit accounts | $495,000 | 827 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $723,000 | 1,019 |
| Total noninterest expense | $4,150,000 | 1,003 |
| Salaries and employee benefits | $1,842,000 | 1,246 |
| Premises and equipment expense | $322,000 | 1,871 |
| Additional noninterest expense | $1,986,000 | 653 |
| Pre-tax net operating income | $2,219,000 | 1,041 |
| Securities gains (losses) | $-2,000 | 8,244 |
| Applicable income taxes | $604,000 | 1,146 |
| Income before extraordinary items | $1,613,000 | 1,072 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,613,000 | 1,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 967 |
| Cash dividends | $2,025,000 | 347 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,614,460 | 1,045 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $23,439,000 | 1,208 |
| Total interest expense | $6,372,000 | 1,291 |
| Net interest income | $17,067,000 | 1,180 |
| Provision for loan and lease losses | $684,000 | 1,482 |
| Total noninterest income | $10,580,000 | 579 |
| Gross Fiduciary activities income | $3,780,000 | 179 |
| Service charges on deposit accounts | $2,243,000 | 781 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,557,000 | 714 |
| Total noninterest expense | $17,629,000 | 921 |
| Salaries and employee benefits | $10,724,000 | 796 |
| Premises and equipment expense | $2,172,000 | 1,066 |
| Additional noninterest expense | $4,733,000 | 1,058 |
| Pre-tax net operating income | $9,334,000 | 939 |
| Securities gains (losses) | $-29,000 | 8,478 |
| Applicable income taxes | $2,592,000 | 1,016 |
| Income before extraordinary items | $6,713,000 | 987 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,713,000 | 988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $749,000 | 951 |
| Cash dividends | $4,325,000 | 700 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,733,880 | 948 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,335,000 | 1,204 |
| Total interest expense | $4,586,000 | 1,313 |
| Net interest income | $12,749,000 | 1,173 |
| Provision for loan and lease losses | $513,000 | 1,424 |
| Total noninterest income | $7,947,000 | 592 |
| Gross Fiduciary activities income | $2,763,000 | 180 |
| Service charges on deposit accounts | $1,712,000 | 777 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,472,000 | 727 |
| Total noninterest expense | $13,216,000 | 920 |
| Salaries and employee benefits | $7,969,000 | 805 |
| Premises and equipment expense | $1,625,000 | 1,068 |
| Additional noninterest expense | $3,622,000 | 1,021 |
| Pre-tax net operating income | $6,967,000 | 950 |
| Securities gains (losses) | $-29,000 | 8,728 |
| Applicable income taxes | $1,939,000 | 1,041 |
| Income before extraordinary items | $4,999,000 | 1,003 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,999,000 | 1,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $531,000 | 898 |
| Cash dividends | $1,750,000 | 1,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,019,880 | 959 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,371,000 | 1,211 |
| Total interest expense | $2,961,000 | 1,335 |
| Net interest income | $8,410,000 | 1,180 |
| Provision for loan and lease losses | $342,000 | 1,396 |
| Total noninterest income | $5,222,000 | 599 |
| Gross Fiduciary activities income | $1,821,000 | 185 |
| Service charges on deposit accounts | $1,099,000 | 794 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,302,000 | 719 |
| Total noninterest expense | $8,853,000 | 916 |
| Salaries and employee benefits | $5,369,000 | 789 |
| Premises and equipment expense | $1,087,000 | 1,068 |
| Additional noninterest expense | $2,397,000 | 1,031 |
| Pre-tax net operating income | $4,437,000 | 982 |
| Securities gains (losses) | $-33,000 | 8,868 |
| Applicable income taxes | $1,221,000 | 1,097 |
| Income before extraordinary items | $3,183,000 | 1,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,183,000 | 1,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 981 |
| Cash dividends | $1,000,000 | 1,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,206,760 | 987 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,721,000 | 1,214 |
| Total interest expense | $1,478,000 | 1,353 |
| Net interest income | $4,243,000 | 1,168 |
| Provision for loan and lease losses | $171,000 | 1,308 |
| Total noninterest income | $2,487,000 | 616 |
| Gross Fiduciary activities income | $895,000 | 183 |
| Service charges on deposit accounts | $539,000 | 790 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,053,000 | 759 |
| Total noninterest expense | $4,374,000 | 935 |
| Salaries and employee benefits | $2,696,000 | 806 |
| Premises and equipment expense | $550,000 | 1,079 |
| Additional noninterest expense | $1,128,000 | 1,081 |
| Pre-tax net operating income | $2,185,000 | 988 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $577,000 | 1,162 |
| Income before extraordinary items | $1,610,000 | 1,019 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,610,000 | 1,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 700 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,608,520 | 962 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,882,000 | 1,196 |
| Total interest expense | $6,543,000 | 1,359 |
| Net interest income | $17,339,000 | 1,114 |
| Provision for loan and lease losses | $800,000 | 1,446 |
| Total noninterest income | $10,190,000 | 641 |
| Gross Fiduciary activities income | $3,124,000 | 199 |
| Service charges on deposit accounts | $2,159,000 | 800 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,907,000 | 778 |
| Total noninterest expense | $17,296,000 | 936 |
| Salaries and employee benefits | $10,401,000 | 816 |
| Premises and equipment expense | $1,901,000 | 1,188 |
| Additional noninterest expense | $4,994,000 | 1,023 |
| Pre-tax net operating income | $9,433,000 | 896 |
| Securities gains (losses) | $105,000 | 1,848 |
| Applicable income taxes | $2,807,000 | 970 |
| Income before extraordinary items | $6,731,000 | 960 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,731,000 | 963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 1,497 |
| Cash dividends | $10,283,000 | 369 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,656,450 | 913 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $18,136,000 | 1,211 |
| Total interest expense | $5,044,000 | 1,380 |
| Net interest income | $13,092,000 | 1,123 |
| Provision for loan and lease losses | $720,000 | 1,185 |
| Total noninterest income | $7,699,000 | 668 |
| Gross Fiduciary activities income | $2,268,000 | 211 |
| Service charges on deposit accounts | $1,582,000 | 820 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,849,000 | 773 |
| Total noninterest expense | $12,945,000 | 950 |
| Salaries and employee benefits | $7,641,000 | 842 |
| Premises and equipment expense | $1,695,000 | 1,021 |
| Additional noninterest expense | $3,609,000 | 1,073 |
| Pre-tax net operating income | $7,126,000 | 923 |
| Securities gains (losses) | $85,000 | 1,886 |
| Applicable income taxes | $2,179,000 | 997 |
| Income before extraordinary items | $5,032,000 | 1,004 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,032,000 | 1,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,230 |
| Cash dividends | $8,584,000 | 342 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,972,500 | 947 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,266,000 | 1,206 |
| Total interest expense | $3,504,000 | 1,378 |
| Net interest income | $8,762,000 | 1,113 |
| Provision for loan and lease losses | $480,000 | 1,186 |
| Total noninterest income | $4,719,000 | 700 |
| Gross Fiduciary activities income | $1,457,000 | 222 |
| Service charges on deposit accounts | $996,000 | 848 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,266,000 | 844 |
| Total noninterest expense | $8,576,000 | 957 |
| Salaries and employee benefits | $5,005,000 | 858 |
| Premises and equipment expense | $1,116,000 | 1,031 |
| Additional noninterest expense | $2,455,000 | 1,035 |
| Pre-tax net operating income | $4,425,000 | 985 |
| Securities gains (losses) | $85,000 | 1,631 |
| Applicable income taxes | $1,384,000 | 1,060 |
| Income before extraordinary items | $3,126,000 | 1,068 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,126,000 | 1,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 1,321 |
| Cash dividends | $7,333,000 | 257 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,067,350 | 1,010 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,264,000 | 1,183 |
| Total interest expense | $1,822,000 | 1,344 |
| Net interest income | $4,442,000 | 1,105 |
| Provision for loan and lease losses | $240,000 | 1,159 |
| Total noninterest income | $2,327,000 | 700 |
| Gross Fiduciary activities income | $704,000 | 230 |
| Service charges on deposit accounts | $497,000 | 831 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,126,000 | 821 |
| Total noninterest expense | $4,324,000 | 944 |
| Salaries and employee benefits | $2,599,000 | 825 |
| Premises and equipment expense | $545,000 | 1,065 |
| Additional noninterest expense | $1,180,000 | 1,047 |
| Pre-tax net operating income | $2,205,000 | 1,000 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $666,000 | 1,108 |
| Income before extraordinary items | $1,539,000 | 1,076 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,539,000 | 1,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 1,252 |
| Cash dividends | $6,698,000 | 153 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,539,000 | 1,004 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $31,085,000 | 977 |
| Total interest expense | $10,037,000 | 1,119 |
| Net interest income | $21,048,000 | 919 |
| Provision for loan and lease losses | $800,000 | 1,629 |
| Total noninterest income | $9,803,000 | 640 |
| Gross Fiduciary activities income | $2,915,000 | 227 |
| Service charges on deposit accounts | $2,240,000 | 717 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,648,000 | 728 |
| Total noninterest expense | $19,416,000 | 811 |
| Salaries and employee benefits | $11,301,000 | 718 |
| Premises and equipment expense | $2,788,000 | 789 |
| Additional noninterest expense | $5,327,000 | 933 |
| Pre-tax net operating income | $10,635,000 | 822 |
| Securities gains (losses) | $15,000 | 3,365 |
| Applicable income taxes | $3,126,000 | 889 |
| Income before extraordinary items | $7,524,000 | 836 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,524,000 | 835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $701,000 | 1,278 |
| Cash dividends | $2,548,000 | 1,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,513,350 | 810 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $33,915,000 | 1,001 |
| Total interest expense | $14,834,000 | 1,081 |
| Net interest income | $19,081,000 | 935 |
| Provision for loan and lease losses | $479,000 | 2,302 |
| Total noninterest income | $8,554,000 | 668 |
| Gross Fiduciary activities income | $2,729,000 | 241 |
| Service charges on deposit accounts | $2,095,000 | 708 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,730,000 | 813 |
| Total noninterest expense | $18,641,000 | 809 |
| Salaries and employee benefits | $10,747,000 | 700 |
| Premises and equipment expense | $2,778,000 | 762 |
| Additional noninterest expense | $5,116,000 | 958 |
| Pre-tax net operating income | $8,515,000 | 892 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,415,000 | 1,004 |
| Income before extraordinary items | $6,100,000 | 899 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,100,000 | 900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,024 |
| Cash dividends | $10,577,000 | 349 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,100,000 | 860 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $33,668,000 | 1,050 |
| Total interest expense | $15,900,000 | 1,101 |
| Net interest income | $17,768,000 | 976 |
| Provision for loan and lease losses | $1,129,000 | 967 |
| Total noninterest income | $7,302,000 | 709 |
| Gross Fiduciary activities income | $2,827,000 | 235 |
| Service charges on deposit accounts | $2,114,000 | 633 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,361,000 | 1,009 |
| Total noninterest expense | $15,929,000 | 891 |
| Salaries and employee benefits | $8,737,000 | 805 |
| Premises and equipment expense | $2,486,000 | 808 |
| Additional noninterest expense | $4,706,000 | 991 |
| Pre-tax net operating income | $8,012,000 | 967 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $2,261,000 | 1,039 |
| Income before extraordinary items | $5,755,000 | 919 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,755,000 | 919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,829 |
| Cash dividends | $2,589,000 | 1,094 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,752,120 | 920 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $29,521,000 | 1,109 |
| Total interest expense | $12,254,000 | 1,238 |
| Net interest income | $17,267,000 | 1,017 |
| Provision for loan and lease losses | $1,260,000 | 810 |
| Total noninterest income | $6,056,000 | 817 |
| Gross Fiduciary activities income | $2,179,000 | 319 |
| Service charges on deposit accounts | $1,796,000 | 739 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,081,000 | 1,122 |
| Total noninterest expense | $15,101,000 | 939 |
| Salaries and employee benefits | $8,374,000 | 826 |
| Premises and equipment expense | $2,165,000 | 927 |
| Additional noninterest expense | $4,562,000 | 1,033 |
| Pre-tax net operating income | $6,962,000 | 1,111 |
| Securities gains (losses) | $28,000 | 1,229 |
| Applicable income taxes | $1,838,000 | 1,328 |
| Income before extraordinary items | $5,152,000 | 1,068 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,152,000 | 1,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $759,000 | 874 |
| Cash dividends | $2,168,000 | 1,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,131,280 | 1,049 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $29,085,000 | 1,117 |
| Total interest expense | $13,031,000 | 1,194 |
| Net interest income | $16,054,000 | 1,054 |
| Provision for loan and lease losses | $1,248,000 | 797 |
| Total noninterest income | $5,278,000 | 900 |
| Gross Fiduciary activities income | $1,630,000 | 356 |
| Service charges on deposit accounts | $1,487,000 | 828 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,161,000 | 1,098 |
| Total noninterest expense | $13,188,000 | 1,006 |
| Salaries and employee benefits | $7,058,000 | 928 |
| Premises and equipment expense | $2,088,000 | 924 |
| Additional noninterest expense | $4,042,000 | 1,116 |
| Pre-tax net operating income | $6,896,000 | 1,097 |
| Securities gains (losses) | $54,000 | 1,672 |
| Applicable income taxes | $1,817,000 | 1,386 |
| Income before extraordinary items | $5,133,000 | 1,049 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,133,000 | 1,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $916,000 | 814 |
| Cash dividends | $1,907,000 | 1,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,093,040 | 1,024 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $27,705,000 | 1,209 |
| Total interest expense | $12,893,000 | 1,236 |
| Net interest income | $14,812,000 | 1,187 |
| Provision for loan and lease losses | $1,255,000 | 825 |
| Total noninterest income | $4,142,000 | 1,054 |
| Gross Fiduciary activities income | $1,325,000 | 404 |
| Service charges on deposit accounts | $1,490,000 | 861 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,327,000 | 1,442 |
| Total noninterest expense | $10,835,000 | 1,226 |
| Salaries and employee benefits | $5,678,000 | 1,153 |
| Premises and equipment expense | $1,737,000 | 1,151 |
| Additional noninterest expense | $3,420,000 | 1,281 |
| Pre-tax net operating income | $6,864,000 | 1,161 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $1,830,000 | 1,434 |
| Income before extraordinary items | $5,039,000 | 1,099 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,039,000 | 1,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,108,000 | 750 |
| Cash dividends | $1,748,000 | 1,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,035,350 | 1,070 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,351,000 | 1,348 |
| Total interest expense | $11,614,000 | 1,394 |
| Net interest income | $13,737,000 | 1,293 |
| Provision for loan and lease losses | $628,000 | 1,454 |
| Total noninterest income | $3,674,000 | 1,184 |
| Gross Fiduciary activities income | $993,000 | 507 |
| Service charges on deposit accounts | $1,223,000 | 1,077 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,458,000 | 1,412 |
| Total noninterest expense | $10,255,000 | 1,397 |
| Salaries and employee benefits | $5,386,000 | 1,241 |
| Premises and equipment expense | $1,629,000 | 1,260 |
| Additional noninterest expense | $3,240,000 | 1,609 |
| Pre-tax net operating income | $6,528,000 | 1,132 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $1,737,000 | 1,400 |
| Income before extraordinary items | $4,799,000 | 1,082 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,799,000 | 1,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 1,417 |
| Cash dividends | $1,690,000 | 1,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,793,160 | 1,062 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,493,000 | 1,463 |
| Total interest expense | $11,085,000 | 1,472 |
| Net interest income | $12,408,000 | 1,446 |
| Provision for loan and lease losses | $361,000 | 2,007 |
| Total noninterest income | $2,711,000 | 1,451 |
| Gross Fiduciary activities income | $913,000 | 551 |
| Service charges on deposit accounts | $978,000 | 1,399 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $820,000 | 2,065 |
| Total noninterest expense | $9,276,000 | 1,533 |
| Salaries and employee benefits | $4,937,000 | 1,345 |
| Premises and equipment expense | $1,200,000 | 1,676 |
| Additional noninterest expense | $3,139,000 | 1,638 |
| Pre-tax net operating income | $5,482,000 | 1,399 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $1,432,000 | 1,710 |
| Income before extraordinary items | $4,054,000 | 1,302 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,054,000 | 1,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,978 |
| Cash dividends | $1,382,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,051,040 | 1,280 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,664,000 | 1,495 |
| Total interest expense | $9,419,000 | 1,384 |
| Net interest income | $11,245,000 | 1,608 |
| Provision for loan and lease losses | $249,000 | 2,620 |
| Total noninterest income | $2,168,000 | 1,738 |
| Gross Fiduciary activities income | $833,000 | 570 |
| Service charges on deposit accounts | $795,000 | 1,698 |
| Trading account gains and fees | $3,000 | 425 |
| Additional Noninterest Income | $537,000 | 2,823 |
| Total noninterest expense | $8,473,000 | 1,725 |
| Salaries and employee benefits | $4,194,000 | 1,590 |
| Premises and equipment expense | $1,275,000 | 1,619 |
| Additional noninterest expense | $3,004,000 | 1,804 |
| Pre-tax net operating income | $4,691,000 | 1,549 |
| Securities gains (losses) | $-11,000 | 9,904 |
| Applicable income taxes | $1,145,000 | 1,971 |
| Income before extraordinary items | $3,535,000 | 1,405 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,535,000 | 1,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,540 |
| Cash dividends | $973,000 | 1,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,543,360 | 1,416 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,807,000 | 1,505 |
| Total interest expense | $9,838,000 | 1,362 |
| Net interest income | $10,969,000 | 1,650 |
| Provision for loan and lease losses | $335,000 | 2,784 |
| Total noninterest income | $2,476,000 | 1,688 |
| Gross Fiduciary activities income | $805,000 | 607 |
| Service charges on deposit accounts | $797,000 | 1,721 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $874,000 | 2,244 |
| Total noninterest expense | $8,123,000 | 1,837 |
| Salaries and employee benefits | $3,785,000 | 1,768 |
| Premises and equipment expense | $1,337,000 | 1,576 |
| Additional noninterest expense | $3,001,000 | 1,908 |
| Pre-tax net operating income | $4,987,000 | 1,403 |
| Securities gains (losses) | $121,000 | 2,242 |
| Applicable income taxes | $1,282,000 | 1,826 |
| Income before extraordinary items | $3,826,000 | 1,326 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,826,000 | 1,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,932 |
| Cash dividends | $720,000 | 2,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,735,250 | 1,273 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,825,000 | 1,706 |
| Total interest expense | $11,069,000 | 1,579 |
| Net interest income | $9,756,000 | 1,876 |
| Provision for loan and lease losses | $420,000 | 3,347 |
| Total noninterest income | $2,011,000 | 1,923 |
| Gross Fiduciary activities income | $786,000 | 615 |
| Service charges on deposit accounts | $617,000 | 2,210 |
| Trading account gains and fees | $1,000 | 486 |
| Additional Noninterest Income | $607,000 | 2,811 |
| Total noninterest expense | $7,069,000 | 2,087 |
| Salaries and employee benefits | $3,438,000 | 1,913 |
| Premises and equipment expense | $941,000 | 2,214 |
| Additional noninterest expense | $2,690,000 | 2,191 |
| Pre-tax net operating income | $4,278,000 | 1,481 |
| Securities gains (losses) | $49,000 | 4,164 |
| Applicable income taxes | $1,073,000 | 1,977 |
| Income before extraordinary items | $3,254,000 | 1,425 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,254,000 | 1,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 2,983 |
| Cash dividends | $943,000 | 1,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,217,250 | 1,334 |
* 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.