Home > United Security Savings Bank, F.S.B. > Income and Expense
United Security Savings Bank, F.S.B., Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,955,000 | 6,693 |
| Total interest expense | $907,000 | 5,788 |
| Net interest income | $1,048,000 | 7,066 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $174,000 | 6,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $174,000 | 4,513 |
| Total noninterest expense | $1,292,000 | 6,560 |
| Salaries and employee benefits | $799,000 | 6,138 |
| Premises and equipment expense | $232,000 | 5,629 |
| Additional noninterest expense | $261,000 | 7,292 |
| Pre-tax net operating income | $-70,000 | 5,827 |
| Securities gains (losses) | $146,000 | 1,527 |
| Applicable income taxes | $26,000 | 3,685 |
| Income before extraordinary items | $50,000 | 5,561 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $50,000 | 5,561 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $50,000 | 5,561 |
| Net charge-offs | $46,000 | 5,745 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-46,360 | 5,825 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,324,000 | 6,728 |
| Total interest expense | $611,000 | 5,876 |
| Net interest income | $713,000 | 7,069 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $64,000 | 6,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $64,000 | 5,483 |
| Total noninterest expense | $880,000 | 6,579 |
| Salaries and employee benefits | $544,000 | 6,158 |
| Premises and equipment expense | $156,000 | 5,656 |
| Additional noninterest expense | $180,000 | 7,313 |
| Pre-tax net operating income | $-103,000 | 6,103 |
| Securities gains (losses) | $146,000 | 1,222 |
| Applicable income taxes | $14,000 | 3,870 |
| Income before extraordinary items | $29,000 | 5,718 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $29,000 | 5,716 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $29,000 | 5,716 |
| Net charge-offs | $11,000 | 5,942 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-68,820 | 6,074 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $718,000 | 6,604 |
| Total interest expense | $306,000 | 5,969 |
| Net interest income | $412,000 | 6,823 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $32,000 | 6,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $32,000 | 5,513 |
| Total noninterest expense | $435,000 | 6,592 |
| Salaries and employee benefits | $265,000 | 6,261 |
| Premises and equipment expense | $83,000 | 5,572 |
| Additional noninterest expense | $87,000 | 7,278 |
| Pre-tax net operating income | $9,000 | 6,137 |
| Securities gains (losses) | $19,000 | 1,701 |
| Applicable income taxes | $9,000 | 4,029 |
| Income before extraordinary items | $19,000 | 6,171 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $19,000 | 6,173 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $19,000 | 6,173 |
| Net charge-offs | $-3,000 | 7,537 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $6,080 | 6,185 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,667,000 | 6,847 |
| Total interest expense | $1,398,000 | 6,118 |
| Net interest income | $1,269,000 | 7,283 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $120,000 | 7,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $120,000 | 5,677 |
| Total noninterest expense | $1,432,000 | 6,959 |
| Salaries and employee benefits | $860,000 | 6,757 |
| Premises and equipment expense | $290,000 | 5,884 |
| Additional noninterest expense | $282,000 | 7,529 |
| Pre-tax net operating income | $-43,000 | 6,394 |
| Securities gains (losses) | $57,000 | 1,512 |
| Applicable income taxes | $6,000 | 4,630 |
| Income before extraordinary items | $8,000 | 6,193 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,000 | 6,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 5,124 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-28,480 | 6,426 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,955,000 | 6,965 |
| Total interest expense | $1,073,000 | 6,183 |
| Net interest income | $882,000 | 7,457 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $90,000 | 7,216 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $90,000 | 5,787 |
| Total noninterest expense | $1,052,000 | 7,014 |
| Salaries and employee benefits | $628,000 | 6,826 |
| Premises and equipment expense | $214,000 | 5,932 |
| Additional noninterest expense | $210,000 | 7,564 |
| Pre-tax net operating income | $-80,000 | 6,882 |
| Securities gains (losses) | $36,000 | 1,643 |
| Applicable income taxes | $-16,000 | 7,330 |
| Income before extraordinary items | $-28,000 | 6,654 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-28,000 | 6,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,819 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-51,040 | 6,876 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,292,000 | 7,050 |
| Total interest expense | $732,000 | 6,271 |
| Net interest income | $560,000 | 7,553 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $59,000 | 7,304 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $59,000 | 5,884 |
| Total noninterest expense | $677,000 | 7,133 |
| Salaries and employee benefits | $407,000 | 6,937 |
| Premises and equipment expense | $139,000 | 6,029 |
| Additional noninterest expense | $131,000 | 7,688 |
| Pre-tax net operating income | $-58,000 | 7,108 |
| Securities gains (losses) | $8,000 | 2,549 |
| Applicable income taxes | $-18,000 | 7,642 |
| Income before extraordinary items | $-32,000 | 7,113 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-32,000 | 7,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,312 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-37,120 | 7,095 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $651,000 | 7,132 |
| Total interest expense | $383,000 | 6,332 |
| Net interest income | $268,000 | 7,658 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $30,000 | 7,325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $30,000 | 5,904 |
| Total noninterest expense | $322,000 | 7,267 |
| Salaries and employee benefits | $185,000 | 7,141 |
| Premises and equipment expense | $75,000 | 5,878 |
| Additional noninterest expense | $62,000 | 7,770 |
| Pre-tax net operating income | $-24,000 | 7,305 |
| Securities gains (losses) | $2,000 | 2,447 |
| Applicable income taxes | $-8,000 | 7,827 |
| Income before extraordinary items | $-14,000 | 7,357 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-14,000 | 7,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,076 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-15,280 | 7,289 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,795,000 | 6,989 |
| Total interest expense | $1,631,000 | 6,253 |
| Net interest income | $1,164,000 | 7,547 |
| Provision for loan and lease losses | $-105,000 | 8,387 |
| Total noninterest income | $153,000 | 7,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $153,000 | 5,541 |
| Total noninterest expense | $1,364,000 | 7,116 |
| Salaries and employee benefits | $654,000 | 7,389 |
| Premises and equipment expense | $312,000 | 5,686 |
| Additional noninterest expense | $398,000 | 7,050 |
| Pre-tax net operating income | $58,000 | 7,271 |
| Securities gains (losses) | $11,000 | 1,315 |
| Applicable income taxes | $27,000 | 5,283 |
| Income before extraordinary items | $42,000 | 7,354 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $42,000 | 7,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 2,173 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $34,960 | 7,354 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,094,000 | 7,029 |
| Total interest expense | $1,216,000 | 6,303 |
| Net interest income | $878,000 | 7,598 |
| Provision for loan and lease losses | $-105,000 | 8,431 |
| Total noninterest income | $121,000 | 7,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $121,000 | 5,463 |
| Total noninterest expense | $1,049,000 | 7,051 |
| Salaries and employee benefits | $486,000 | 7,378 |
| Premises and equipment expense | $238,000 | 5,633 |
| Additional noninterest expense | $325,000 | 6,879 |
| Pre-tax net operating income | $55,000 | 7,473 |
| Securities gains (losses) | $6,000 | 1,140 |
| Applicable income taxes | $24,000 | 5,380 |
| Income before extraordinary items | $37,000 | 7,542 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $37,000 | 7,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 1,976 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $33,160 | 7,544 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,371,000 | 7,091 |
| Total interest expense | $807,000 | 6,342 |
| Net interest income | $564,000 | 7,692 |
| Provision for loan and lease losses | $-105,000 | 8,483 |
| Total noninterest income | $84,000 | 7,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $84,000 | 5,421 |
| Total noninterest expense | $730,000 | 7,013 |
| Salaries and employee benefits | $332,000 | 7,380 |
| Premises and equipment expense | $154,000 | 5,739 |
| Additional noninterest expense | $244,000 | 6,648 |
| Pre-tax net operating income | $23,000 | 7,675 |
| Securities gains (losses) | $5,000 | 1,010 |
| Applicable income taxes | $11,000 | 5,629 |
| Income before extraordinary items | $17,000 | 7,712 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $17,000 | 7,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,286 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $13,800 | 7,714 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $671,000 | 7,167 |
| Total interest expense | $409,000 | 6,328 |
| Net interest income | $262,000 | 7,839 |
| Provision for loan and lease losses | $-105,000 | 8,552 |
| Total noninterest income | $46,000 | 6,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $413,000 | 6,755 |
| Salaries and employee benefits | $162,000 | 7,476 |
| Premises and equipment expense | $75,000 | 5,852 |
| Additional noninterest expense | $176,000 | 5,648 |
| Pre-tax net operating income | $0 | 7,834 |
| Securities gains (losses) | $3,000 | 908 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $2,000 | 7,840 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,000 | 7,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 510 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-10 | 7,855 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $692,000 | 8,451 |
| Total interest expense | $401,000 | 8,092 |
| Net interest income | $291,000 | 8,567 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $53,000 | 8,191 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $53,000 | 7,187 |
| Total noninterest expense | $355,000 | 8,575 |
| Salaries and employee benefits | $197,000 | 8,552 |
| Premises and equipment expense | $84,000 | 7,984 |
| Additional noninterest expense | $74,000 | 8,610 |
| Pre-tax net operating income | $-11,000 | 7,975 |
| Securities gains (losses) | $20,000 | 909 |
| Applicable income taxes | $2,000 | 6,435 |
| Income before extraordinary items | $7,000 | 7,961 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,000 | 7,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,880 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-8,600 | 7,983 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,075,000 | 6,989 |
| Total interest expense | $1,104,000 | 6,111 |
| Net interest income | $971,000 | 7,531 |
| Provision for loan and lease losses | $875,000 | 869 |
| Total noninterest income | $150,000 | 6,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $150,000 | 5,125 |
| Total noninterest expense | $1,216,000 | 6,713 |
| Salaries and employee benefits | $604,000 | 6,920 |
| Premises and equipment expense | $259,000 | 5,361 |
| Additional noninterest expense | $353,000 | 6,679 |
| Pre-tax net operating income | $-970,000 | 8,579 |
| Securities gains (losses) | $49,000 | 560 |
| Applicable income taxes | $-350,000 | 8,669 |
| Income before extraordinary items | $-571,000 | 8,497 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-571,000 | 8,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,879 |
| Cash dividends | $100,000 | 4,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-602,360 | 8,497 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,379,000 | 7,000 |
| Total interest expense | $730,000 | 6,048 |
| Net interest income | $649,000 | 7,567 |
| Provision for loan and lease losses | $123,000 | 2,963 |
| Total noninterest income | $99,000 | 7,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,149 |
| Total noninterest expense | $685,000 | 7,144 |
| Salaries and employee benefits | $397,000 | 6,991 |
| Premises and equipment expense | $170,000 | 5,423 |
| Additional noninterest expense | $118,000 | 7,973 |
| Pre-tax net operating income | $-60,000 | 8,296 |
| Securities gains (losses) | $39,000 | 490 |
| Applicable income taxes | $-15,000 | 8,509 |
| Income before extraordinary items | $-6,000 | 8,198 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,000 | 8,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $100,000 | 4,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-30,960 | 8,249 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $691,000 | 6,979 |
| Total interest expense | $362,000 | 5,943 |
| Net interest income | $329,000 | 7,563 |
| Provision for loan and lease losses | $87,000 | 2,254 |
| Total noninterest income | $52,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $52,000 | 5,040 |
| Total noninterest expense | $345,000 | 7,137 |
| Salaries and employee benefits | $196,000 | 7,035 |
| Premises and equipment expense | $86,000 | 5,415 |
| Additional noninterest expense | $63,000 | 7,866 |
| Pre-tax net operating income | $-51,000 | 8,379 |
| Securities gains (losses) | $19,000 | 485 |
| Applicable income taxes | $-17,000 | 8,559 |
| Income before extraordinary items | $-15,000 | 8,273 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-15,000 | 8,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $100,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-27,160 | 8,312 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,616,000 | 6,913 |
| Total interest expense | $1,288,000 | 5,643 |
| Net interest income | $1,328,000 | 7,524 |
| Provision for loan and lease losses | $57,000 | 5,617 |
| Total noninterest income | $227,000 | 6,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $227,000 | 4,920 |
| Total noninterest expense | $1,363,000 | 7,115 |
| Salaries and employee benefits | $763,000 | 7,050 |
| Premises and equipment expense | $364,000 | 5,163 |
| Additional noninterest expense | $236,000 | 8,008 |
| Pre-tax net operating income | $135,000 | 7,886 |
| Securities gains (losses) | $66,000 | 849 |
| Applicable income taxes | $49,000 | 5,876 |
| Income before extraordinary items | $152,000 | 7,785 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $152,000 | 7,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,787 |
| Cash dividends | $50,000 | 5,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $101,840 | 7,946 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,910,000 | 6,987 |
| Total interest expense | $932,000 | 5,635 |
| Net interest income | $978,000 | 7,602 |
| Provision for loan and lease losses | $42,000 | 5,513 |
| Total noninterest income | $172,000 | 6,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $172,000 | 4,931 |
| Total noninterest expense | $1,029,000 | 7,100 |
| Salaries and employee benefits | $574,000 | 7,030 |
| Premises and equipment expense | $275,000 | 5,115 |
| Additional noninterest expense | $180,000 | 7,987 |
| Pre-tax net operating income | $79,000 | 8,093 |
| Securities gains (losses) | $55,000 | 846 |
| Applicable income taxes | $25,000 | 6,179 |
| Income before extraordinary items | $109,000 | 7,908 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $109,000 | 7,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,120 |
| Cash dividends | $50,000 | 5,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $64,450 | 8,101 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,234,000 | 7,012 |
| Total interest expense | $601,000 | 5,560 |
| Net interest income | $633,000 | 7,667 |
| Provision for loan and lease losses | $18,000 | 5,733 |
| Total noninterest income | $114,000 | 6,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $114,000 | 4,928 |
| Total noninterest expense | $689,000 | 7,103 |
| Salaries and employee benefits | $381,000 | 7,049 |
| Premises and equipment expense | $185,000 | 5,077 |
| Additional noninterest expense | $123,000 | 7,933 |
| Pre-tax net operating income | $40,000 | 8,178 |
| Securities gains (losses) | $34,000 | 919 |
| Applicable income taxes | $23,000 | 6,019 |
| Income before extraordinary items | $51,000 | 8,103 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $51,000 | 8,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,735 |
| Cash dividends | $50,000 | 4,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $27,540 | 8,217 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $605,000 | 7,082 |
| Total interest expense | $295,000 | 5,524 |
| Net interest income | $310,000 | 7,766 |
| Provision for loan and lease losses | $9,000 | 5,480 |
| Total noninterest income | $55,000 | 6,909 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,967 |
| Total noninterest expense | $339,000 | 7,178 |
| Salaries and employee benefits | $189,000 | 7,122 |
| Premises and equipment expense | $94,000 | 5,079 |
| Additional noninterest expense | $56,000 | 8,141 |
| Pre-tax net operating income | $17,000 | 8,284 |
| Securities gains (losses) | $21,000 | 781 |
| Applicable income taxes | $12,000 | 5,990 |
| Income before extraordinary items | $26,000 | 8,160 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $26,000 | 8,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,501 |
| Cash dividends | $50,000 | 3,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $11,720 | 8,313 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 6,881 |
| Total interest expense | $1,212,000 | 5,079 |
| Net interest income | $1,293,000 | 7,614 |
| Provision for loan and lease losses | $56,000 | 5,831 |
| Total noninterest income | $204,000 | 7,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $204,000 | 5,074 |
| Total noninterest expense | $1,379,000 | 7,120 |
| Salaries and employee benefits | $751,000 | 7,112 |
| Premises and equipment expense | $353,000 | 5,182 |
| Additional noninterest expense | $275,000 | 7,848 |
| Pre-tax net operating income | $62,000 | 8,208 |
| Securities gains (losses) | $93,000 | 1,296 |
| Applicable income taxes | $37,000 | 6,223 |
| Income before extraordinary items | $118,000 | 8,021 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $118,000 | 8,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 2,453 |
| Cash dividends | $50,000 | 5,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $47,320 | 8,254 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,885,000 | 6,889 |
| Total interest expense | $912,000 | 5,053 |
| Net interest income | $973,000 | 7,631 |
| Provision for loan and lease losses | $47,000 | 5,450 |
| Total noninterest income | $148,000 | 7,214 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $148,000 | 5,155 |
| Total noninterest expense | $1,054,000 | 7,027 |
| Salaries and employee benefits | $569,000 | 7,034 |
| Premises and equipment expense | $265,000 | 5,155 |
| Additional noninterest expense | $220,000 | 7,744 |
| Pre-tax net operating income | $20,000 | 8,410 |
| Securities gains (losses) | $79,000 | 1,334 |
| Applicable income taxes | $17,000 | 6,595 |
| Income before extraordinary items | $82,000 | 8,175 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $82,000 | 8,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,205 |
| Cash dividends | $50,000 | 4,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $16,430 | 8,412 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,255,000 | 6,931 |
| Total interest expense | $613,000 | 5,045 |
| Net interest income | $642,000 | 7,678 |
| Provision for loan and lease losses | $18,000 | 5,953 |
| Total noninterest income | $90,000 | 7,409 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $90,000 | 5,371 |
| Total noninterest expense | $689,000 | 7,137 |
| Salaries and employee benefits | $378,000 | 7,093 |
| Premises and equipment expense | $171,000 | 5,293 |
| Additional noninterest expense | $140,000 | 7,851 |
| Pre-tax net operating income | $25,000 | 8,387 |
| Securities gains (losses) | $53,000 | 1,421 |
| Applicable income taxes | $24,000 | 6,179 |
| Income before extraordinary items | $54,000 | 8,195 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 8,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 1,952 |
| Cash dividends | $50,000 | 4,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $17,430 | 8,416 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $639,000 | 6,925 |
| Total interest expense | $312,000 | 5,048 |
| Net interest income | $327,000 | 7,676 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $32,000 | 7,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $349,000 | 7,125 |
| Salaries and employee benefits | $187,000 | 7,164 |
| Premises and equipment expense | $87,000 | 5,269 |
| Additional noninterest expense | $75,000 | 7,771 |
| Pre-tax net operating income | $1,000 | 8,530 |
| Securities gains (losses) | $26,000 | 1,575 |
| Applicable income taxes | $7,000 | 6,445 |
| Income before extraordinary items | $20,000 | 8,327 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $20,000 | 8,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,678 |
| Cash dividends | $50,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $760 | 8,535 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,656,000 | 6,883 |
| Total interest expense | $1,353,000 | 5,207 |
| Net interest income | $1,303,000 | 7,659 |
| Provision for loan and lease losses | $36,000 | 6,612 |
| Total noninterest income | $279,000 | 6,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $279,000 | 4,648 |
| Total noninterest expense | $1,318,000 | 7,229 |
| Salaries and employee benefits | $705,000 | 7,282 |
| Premises and equipment expense | $373,000 | 4,973 |
| Additional noninterest expense | $240,000 | 8,149 |
| Pre-tax net operating income | $228,000 | 7,729 |
| Securities gains (losses) | $169,000 | 1,452 |
| Applicable income taxes | $148,000 | 5,291 |
| Income before extraordinary items | $249,000 | 7,530 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $249,000 | 7,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,532 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $140,840 | 7,932 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,012,000 | 6,938 |
| Total interest expense | $1,027,000 | 5,296 |
| Net interest income | $985,000 | 7,696 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $196,000 | 6,912 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $196,000 | 4,837 |
| Total noninterest expense | $974,000 | 7,271 |
| Salaries and employee benefits | $526,000 | 7,263 |
| Premises and equipment expense | $284,000 | 4,909 |
| Additional noninterest expense | $164,000 | 8,324 |
| Pre-tax net operating income | $180,000 | 7,819 |
| Securities gains (losses) | $142,000 | 1,463 |
| Applicable income taxes | $120,000 | 5,369 |
| Income before extraordinary items | $202,000 | 7,577 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $202,000 | 7,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,871 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $111,120 | 8,013 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,361,000 | 6,945 |
| Total interest expense | $687,000 | 5,410 |
| Net interest income | $674,000 | 7,675 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $127,000 | 6,961 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $127,000 | 4,888 |
| Total noninterest expense | $631,000 | 7,362 |
| Salaries and employee benefits | $352,000 | 7,269 |
| Premises and equipment expense | $177,000 | 5,101 |
| Additional noninterest expense | $102,000 | 8,421 |
| Pre-tax net operating income | $152,000 | 7,588 |
| Securities gains (losses) | $90,000 | 1,588 |
| Applicable income taxes | $90,000 | 5,255 |
| Income before extraordinary items | $152,000 | 7,433 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $152,000 | 7,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $94,400 | 7,846 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $688,000 | 6,949 |
| Total interest expense | $353,000 | 5,425 |
| Net interest income | $335,000 | 7,701 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $61,000 | 6,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $61,000 | 4,883 |
| Total noninterest expense | $304,000 | 7,483 |
| Salaries and employee benefits | $174,000 | 7,337 |
| Premises and equipment expense | $82,000 | 5,357 |
| Additional noninterest expense | $48,000 | 8,544 |
| Pre-tax net operating income | $83,000 | 7,472 |
| Securities gains (losses) | $52,000 | 1,369 |
| Applicable income taxes | $50,000 | 5,100 |
| Income before extraordinary items | $85,000 | 7,175 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $85,000 | 7,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $51,720 | 7,714 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,978,000 | 6,879 |
| Total interest expense | $1,609,000 | 5,508 |
| Net interest income | $1,369,000 | 7,641 |
| Provision for loan and lease losses | $135,000 | 5,121 |
| Total noninterest income | $250,000 | 6,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $250,000 | 4,613 |
| Total noninterest expense | $1,192,000 | 7,482 |
| Salaries and employee benefits | $660,000 | 7,453 |
| Premises and equipment expense | $339,000 | 5,190 |
| Additional noninterest expense | $193,000 | 8,605 |
| Pre-tax net operating income | $292,000 | 7,575 |
| Securities gains (losses) | $135,000 | 1,469 |
| Applicable income taxes | $160,000 | 5,437 |
| Income before extraordinary items | $267,000 | 7,482 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $267,000 | 7,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 4,058 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $180,600 | 7,826 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,052,000 | 7,206 |
| Total interest expense | $1,963,000 | 6,154 |
| Net interest income | $1,089,000 | 8,104 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $227,000 | 7,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $227,000 | 4,672 |
| Total noninterest expense | $1,160,000 | 7,553 |
| Salaries and employee benefits | $605,000 | 7,643 |
| Premises and equipment expense | $329,000 | 5,234 |
| Additional noninterest expense | $226,000 | 8,449 |
| Pre-tax net operating income | $156,000 | 8,082 |
| Securities gains (losses) | $108,000 | 1,689 |
| Applicable income taxes | $94,000 | 6,080 |
| Income before extraordinary items | $170,000 | 7,916 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $170,000 | 7,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-265,000 | 9,570 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $100,880 | 8,227 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,038,000 | 7,375 |
| Total interest expense | $1,846,000 | 6,521 |
| Net interest income | $1,192,000 | 8,084 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $199,000 | 7,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $199,000 | 4,817 |
| Total noninterest expense | $1,100,000 | 7,742 |
| Salaries and employee benefits | $563,000 | 7,908 |
| Premises and equipment expense | $316,000 | 5,266 |
| Additional noninterest expense | $221,000 | 8,591 |
| Pre-tax net operating income | $291,000 | 7,937 |
| Securities gains (losses) | $17,000 | 991 |
| Applicable income taxes | $115,000 | 6,332 |
| Income before extraordinary items | $193,000 | 8,109 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $193,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,380 |
| Cash dividends | $125,000 | 5,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $182,120 | 8,190 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,237,000 | 8,207 |
| Total interest expense | $1,224,000 | 7,588 |
| Net interest income | $1,013,000 | 8,605 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $178,000 | 7,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $178,000 | 5,203 |
| Total noninterest expense | $1,067,000 | 7,936 |
| Salaries and employee benefits | $518,000 | 8,243 |
| Premises and equipment expense | $331,000 | 5,158 |
| Additional noninterest expense | $218,000 | 8,852 |
| Pre-tax net operating income | $124,000 | 8,958 |
| Securities gains (losses) | $19,000 | 1,429 |
| Applicable income taxes | $42,000 | 7,769 |
| Income before extraordinary items | $101,000 | 8,960 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $101,000 | 8,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,010 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $87,510 | 9,018 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,175,000 | 7,323 |
| Total interest expense | $1,866,000 | 6,426 |
| Net interest income | $1,309,000 | 8,100 |
| Provision for loan and lease losses | $18,000 | 7,833 |
| Total noninterest income | $1,780,000 | 2,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,780,000 | 1,252 |
| Total noninterest expense | $1,324,000 | 7,182 |
| Salaries and employee benefits | $666,000 | 7,396 |
| Premises and equipment expense | $418,000 | 4,270 |
| Additional noninterest expense | $240,000 | 8,699 |
| Pre-tax net operating income | $1,747,000 | 3,721 |
| Securities gains (losses) | $42,000 | 1,862 |
| Applicable income taxes | $616,000 | 3,339 |
| Income before extraordinary items | $1,173,000 | 4,001 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,173,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $1,834,000 | 1,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,145,280 | 3,988 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,806,000 | 6,839 |
| Total interest expense | $2,214,000 | 5,851 |
| Net interest income | $1,592,000 | 7,796 |
| Provision for loan and lease losses | $48,000 | 6,747 |
| Total noninterest income | $197,000 | 7,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $197,000 | 4,992 |
| Total noninterest expense | $1,461,000 | 6,893 |
| Salaries and employee benefits | $741,000 | 7,073 |
| Premises and equipment expense | $439,000 | 4,123 |
| Additional noninterest expense | $281,000 | 8,516 |
| Pre-tax net operating income | $280,000 | 9,119 |
| Securities gains (losses) | $15,000 | 2,081 |
| Applicable income taxes | $89,000 | 8,585 |
| Income before extraordinary items | $206,000 | 9,100 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $206,000 | 9,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,783 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $195,500 | 9,147 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,656,000 | 7,212 |
| Total interest expense | $2,168,000 | 6,094 |
| Net interest income | $1,488,000 | 8,296 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $299,000 | 6,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $299,000 | 4,082 |
| Total noninterest expense | $1,646,000 | 6,719 |
| Salaries and employee benefits | $670,000 | 7,720 |
| Premises and equipment expense | $416,000 | 4,397 |
| Additional noninterest expense | $560,000 | 6,611 |
| Pre-tax net operating income | $141,000 | 10,136 |
| Securities gains (losses) | $23,000 | 1,905 |
| Applicable income taxes | $17,000 | 10,255 |
| Income before extraordinary items | $147,000 | 9,822 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $147,000 | 9,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $270,000 | 4,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $126,300 | 9,937 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,454,000 | 7,614 |
| Total interest expense | $2,098,000 | 6,268 |
| Net interest income | $1,356,000 | 8,910 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $248,000 | 7,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $248,000 | 4,504 |
| Total noninterest expense | $1,358,000 | 7,716 |
| Salaries and employee benefits | $634,000 | 8,153 |
| Premises and equipment expense | $401,000 | 4,527 |
| Additional noninterest expense | $323,000 | 8,998 |
| Pre-tax net operating income | $246,000 | 10,147 |
| Securities gains (losses) | $20,000 | 1,915 |
| Applicable income taxes | $62,000 | 9,940 |
| Income before extraordinary items | $204,000 | 9,883 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $204,000 | 9,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $261,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $188,600 | 10,028 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,982,000 | 8,081 |
| Total interest expense | $1,695,000 | 6,338 |
| Net interest income | $1,287,000 | 9,498 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $242,000 | 8,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $242,000 | 4,685 |
| Total noninterest expense | $1,569,000 | 7,382 |
| Salaries and employee benefits | $673,000 | 8,084 |
| Premises and equipment expense | $557,000 | 3,478 |
| Additional noninterest expense | $339,000 | 9,479 |
| Pre-tax net operating income | $-40,000 | 12,155 |
| Securities gains (losses) | $-55,000 | 11,109 |
| Applicable income taxes | $-38,000 | 12,179 |
| Income before extraordinary items | $-57,000 | 12,116 |
| Extraordinary gains, net | $140,000 | 90 |
| Net income | $83,000 | 11,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-21,800 | 12,098 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,071,000 | 8,210 |
| Total interest expense | $1,692,000 | 6,653 |
| Net interest income | $1,379,000 | 9,477 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $398,000 | 6,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $398,000 | 3,766 |
| Total noninterest expense | $1,635,000 | 7,396 |
| Salaries and employee benefits | $697,000 | 8,016 |
| Premises and equipment expense | $550,000 | 3,570 |
| Additional noninterest expense | $388,000 | 9,393 |
| Pre-tax net operating income | $142,000 | 11,533 |
| Securities gains (losses) | $72,000 | 2,926 |
| Applicable income taxes | $55,000 | 10,820 |
| Income before extraordinary items | $159,000 | 11,091 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $159,000 | 11,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 6,087 |
| Cash dividends | $67,000 | 7,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $105,720 | 11,550 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,303,000 | 8,466 |
| Total interest expense | $1,859,000 | 7,452 |
| Net interest income | $1,444,000 | 9,471 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $651,000 | 4,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $651,000 | 2,679 |
| Total noninterest expense | $1,905,000 | 6,643 |
| Salaries and employee benefits | $827,000 | 7,090 |
| Premises and equipment expense | $612,000 | 3,293 |
| Additional noninterest expense | $466,000 | 8,795 |
| Pre-tax net operating income | $190,000 | 11,165 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $50,000 | 11,256 |
| Income before extraordinary items | $140,000 | 11,416 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $140,000 | 11,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $117,000 | 6,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $140,000 | 11,077 |
* 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.