Home > Valley Bank Minnesota > Income and Expense
Valley Bank Minnesota, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $820,000 | 7,474 |
| Total interest expense | $208,000 | 7,543 |
| Net interest income | $612,000 | 7,311 |
| Provision for loan and lease losses | $119,000 | 5,143 |
| Total noninterest income | $132,000 | 5,937 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $62,000 | 5,487 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $70,000 | 5,361 |
| Total noninterest expense | $571,000 | 7,336 |
| Salaries and employee benefits | $221,000 | 7,693 |
| Premises and equipment expense | $88,000 | 6,804 |
| Additional noninterest expense | $262,000 | 6,759 |
| Pre-tax net operating income | $54,000 | 5,491 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $1,000 | 4,523 |
| Income before extraordinary items | $53,000 | 5,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $53,000 | 5,553 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $53,000 | 5,553 |
| Net charge-offs | $123,000 | 4,015 |
| Cash dividends | $372,000 | 1,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $53,000 | 5,481 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $415,000 | 7,514 |
| Total interest expense | $112,000 | 7,549 |
| Net interest income | $303,000 | 7,352 |
| Provision for loan and lease losses | $60,000 | 4,614 |
| Total noninterest income | $62,000 | 6,059 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $28,000 | 5,598 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $34,000 | 5,436 |
| Total noninterest expense | $265,000 | 7,450 |
| Salaries and employee benefits | $114,000 | 7,702 |
| Premises and equipment expense | $44,000 | 6,837 |
| Additional noninterest expense | $107,000 | 6,982 |
| Pre-tax net operating income | $40,000 | 5,763 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $1,000 | 4,679 |
| Income before extraordinary items | $39,000 | 5,860 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $39,000 | 5,862 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $39,000 | 5,862 |
| Net charge-offs | $2,000 | 5,430 |
| Cash dividends | $344,000 | 1,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $39,000 | 5,691 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,997,000 | 7,335 |
| Total interest expense | $712,000 | 7,304 |
| Net interest income | $1,285,000 | 7,267 |
| Provision for loan and lease losses | $111,000 | 5,925 |
| Total noninterest income | $328,000 | 5,679 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $171,000 | 5,074 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $157,000 | 5,243 |
| Total noninterest expense | $1,010,000 | 7,528 |
| Salaries and employee benefits | $466,000 | 7,745 |
| Premises and equipment expense | $194,000 | 6,731 |
| Additional noninterest expense | $350,000 | 7,236 |
| Pre-tax net operating income | $492,000 | 4,896 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $492,000 | 4,486 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $492,000 | 4,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,287 |
| Cash dividends | $702,000 | 2,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $492,000 | 4,641 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,537,000 | 7,387 |
| Total interest expense | $569,000 | 7,329 |
| Net interest income | $968,000 | 7,315 |
| Provision for loan and lease losses | $33,000 | 6,227 |
| Total noninterest income | $245,000 | 5,754 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $128,000 | 5,120 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $117,000 | 5,343 |
| Total noninterest expense | $756,000 | 7,555 |
| Salaries and employee benefits | $348,000 | 7,777 |
| Premises and equipment expense | $147,000 | 6,744 |
| Additional noninterest expense | $261,000 | 7,257 |
| Pre-tax net operating income | $424,000 | 5,186 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $424,000 | 4,703 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $424,000 | 4,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $683,000 | 2,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $424,000 | 4,860 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 7,407 |
| Total interest expense | $411,000 | 7,321 |
| Net interest income | $647,000 | 7,350 |
| Provision for loan and lease losses | $9,000 | 6,362 |
| Total noninterest income | $166,000 | 5,806 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $87,000 | 5,107 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $79,000 | 5,437 |
| Total noninterest expense | $508,000 | 7,593 |
| Salaries and employee benefits | $230,000 | 7,853 |
| Premises and equipment expense | $99,000 | 6,767 |
| Additional noninterest expense | $179,000 | 7,237 |
| Pre-tax net operating income | $296,000 | 5,295 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $296,000 | 5,021 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $296,000 | 5,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,853 |
| Cash dividends | $637,000 | 1,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $296,000 | 4,960 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $569,000 | 7,359 |
| Total interest expense | $227,000 | 7,280 |
| Net interest income | $342,000 | 7,291 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $94,000 | 5,558 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $49,000 | 4,843 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $45,000 | 5,251 |
| Total noninterest expense | $255,000 | 7,618 |
| Salaries and employee benefits | $116,000 | 7,890 |
| Premises and equipment expense | $50,000 | 6,769 |
| Additional noninterest expense | $89,000 | 7,253 |
| Pre-tax net operating income | $181,000 | 5,132 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $181,000 | 4,868 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $181,000 | 4,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $582,000 | 1,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $181,000 | 4,751 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,442,000 | 7,258 |
| Total interest expense | $1,036,000 | 7,109 |
| Net interest income | $1,406,000 | 7,243 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $345,000 | 5,777 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $209,000 | 4,821 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $136,000 | 5,738 |
| Total noninterest expense | $1,122,000 | 7,483 |
| Salaries and employee benefits | $548,000 | 7,672 |
| Premises and equipment expense | $219,000 | 6,538 |
| Additional noninterest expense | $355,000 | 7,277 |
| Pre-tax net operating income | $629,000 | 5,613 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $629,000 | 5,253 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $629,000 | 5,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,283 |
| Cash dividends | $549,000 | 3,581 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $629,000 | 5,238 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 7,305 |
| Total interest expense | $764,000 | 7,171 |
| Net interest income | $1,062,000 | 7,277 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $256,000 | 5,862 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $157,000 | 4,827 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $99,000 | 5,819 |
| Total noninterest expense | $884,000 | 7,376 |
| Salaries and employee benefits | $437,000 | 7,565 |
| Premises and equipment expense | $170,000 | 6,467 |
| Additional noninterest expense | $277,000 | 7,175 |
| Pre-tax net operating income | $434,000 | 6,030 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $434,000 | 5,655 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $434,000 | 5,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,329 |
| Cash dividends | $513,000 | 2,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $434,000 | 5,642 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,204,000 | 7,362 |
| Total interest expense | $491,000 | 7,256 |
| Net interest income | $713,000 | 7,321 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $175,000 | 5,848 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $105,000 | 4,849 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $70,000 | 5,737 |
| Total noninterest expense | $618,000 | 7,332 |
| Salaries and employee benefits | $315,000 | 7,478 |
| Premises and equipment expense | $108,000 | 6,612 |
| Additional noninterest expense | $195,000 | 7,122 |
| Pre-tax net operating income | $270,000 | 6,227 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $270,000 | 5,878 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $270,000 | 5,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $478,000 | 2,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $270,000 | 5,862 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $598,000 | 7,402 |
| Total interest expense | $227,000 | 7,397 |
| Net interest income | $371,000 | 7,280 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $77,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $51,000 | 4,837 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $26,000 | 6,219 |
| Total noninterest expense | $310,000 | 7,363 |
| Salaries and employee benefits | $149,000 | 7,617 |
| Premises and equipment expense | $59,000 | 6,441 |
| Additional noninterest expense | $102,000 | 7,049 |
| Pre-tax net operating income | $138,000 | 6,189 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $138,000 | 5,815 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $138,000 | 5,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $440,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $138,000 | 5,794 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,446,000 | 7,187 |
| Total interest expense | $774,000 | 7,383 |
| Net interest income | $1,672,000 | 6,966 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $352,000 | 5,868 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $230,000 | 4,695 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $122,000 | 5,983 |
| Total noninterest expense | $1,320,000 | 7,191 |
| Salaries and employee benefits | $638,000 | 7,471 |
| Premises and equipment expense | $228,000 | 6,431 |
| Additional noninterest expense | $454,000 | 6,768 |
| Pre-tax net operating income | $704,000 | 5,911 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-1,000 | 8,132 |
| Income before extraordinary items | $705,000 | 5,494 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $705,000 | 5,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $674,000 | 3,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $705,000 | 5,485 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,833,000 | 7,226 |
| Total interest expense | $561,000 | 7,429 |
| Net interest income | $1,272,000 | 7,016 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $266,000 | 5,863 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $172,000 | 4,739 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $94,000 | 5,957 |
| Total noninterest expense | $975,000 | 7,229 |
| Salaries and employee benefits | $458,000 | 7,552 |
| Premises and equipment expense | $163,000 | 6,563 |
| Additional noninterest expense | $354,000 | 6,669 |
| Pre-tax net operating income | $563,000 | 5,999 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-1,000 | 8,369 |
| Income before extraordinary items | $564,000 | 5,509 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $564,000 | 5,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $617,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $564,000 | 5,511 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,207,000 | 7,258 |
| Total interest expense | $352,000 | 7,483 |
| Net interest income | $855,000 | 7,037 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $167,000 | 6,025 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $105,000 | 4,917 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,020 |
| Total noninterest expense | $649,000 | 7,272 |
| Salaries and employee benefits | $292,000 | 7,675 |
| Premises and equipment expense | $112,000 | 6,510 |
| Additional noninterest expense | $245,000 | 6,615 |
| Pre-tax net operating income | $373,000 | 6,030 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $373,000 | 5,547 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $373,000 | 5,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $546,000 | 2,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $373,000 | 5,545 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $588,000 | 7,303 |
| Total interest expense | $159,000 | 7,593 |
| Net interest income | $429,000 | 7,046 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $85,000 | 5,947 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $51,000 | 4,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $34,000 | 5,852 |
| Total noninterest expense | $317,000 | 7,331 |
| Salaries and employee benefits | $140,000 | 7,759 |
| Premises and equipment expense | $57,000 | 6,485 |
| Additional noninterest expense | $120,000 | 6,632 |
| Pre-tax net operating income | $197,000 | 5,870 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $197,000 | 5,386 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 5,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $414,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $197,000 | 5,391 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,306,000 | 7,173 |
| Total interest expense | $448,000 | 7,761 |
| Net interest income | $1,858,000 | 6,814 |
| Provision for loan and lease losses | $30,000 | 6,187 |
| Total noninterest income | $325,000 | 6,171 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $235,000 | 4,705 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $90,000 | 6,565 |
| Total noninterest expense | $1,809,000 | 6,396 |
| Salaries and employee benefits | $648,000 | 7,456 |
| Premises and equipment expense | $221,000 | 6,513 |
| Additional noninterest expense | $940,000 | 4,624 |
| Pre-tax net operating income | $344,000 | 7,252 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $-66,000 | 8,569 |
| Income before extraordinary items | $414,000 | 6,728 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $414,000 | 6,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,746 |
| Cash dividends | $696,000 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $410,000 | 6,714 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,704,000 | 7,203 |
| Total interest expense | $316,000 | 7,814 |
| Net interest income | $1,388,000 | 6,862 |
| Provision for loan and lease losses | $27,000 | 5,913 |
| Total noninterest income | $244,000 | 6,189 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $180,000 | 4,686 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $64,000 | 6,654 |
| Total noninterest expense | $1,488,000 | 6,111 |
| Salaries and employee benefits | $501,000 | 7,365 |
| Premises and equipment expense | $165,000 | 6,489 |
| Additional noninterest expense | $822,000 | 4,097 |
| Pre-tax net operating income | $117,000 | 7,948 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $-66,000 | 8,694 |
| Income before extraordinary items | $187,000 | 7,520 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $187,000 | 7,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,687 |
| Cash dividends | $696,000 | 2,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $183,000 | 7,511 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,121,000 | 7,210 |
| Total interest expense | $204,000 | 7,811 |
| Net interest income | $917,000 | 6,878 |
| Provision for loan and lease losses | $18,000 | 5,733 |
| Total noninterest income | $169,000 | 6,107 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $123,000 | 4,605 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $46,000 | 6,538 |
| Total noninterest expense | $1,164,000 | 5,567 |
| Salaries and employee benefits | $350,000 | 7,255 |
| Premises and equipment expense | $109,000 | 6,513 |
| Additional noninterest expense | $705,000 | 3,349 |
| Pre-tax net operating income | $-96,000 | 8,480 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $-66,000 | 8,723 |
| Income before extraordinary items | $-28,000 | 8,438 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-28,000 | 8,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,785 |
| Cash dividends | $696,000 | 1,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-29,280 | 8,411 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $568,000 | 7,231 |
| Total interest expense | $99,000 | 7,854 |
| Net interest income | $469,000 | 6,872 |
| Provision for loan and lease losses | $9,000 | 5,480 |
| Total noninterest income | $76,000 | 6,278 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $59,000 | 4,633 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 7,096 |
| Total noninterest expense | $855,000 | 4,329 |
| Salaries and employee benefits | $195,000 | 7,042 |
| Premises and equipment expense | $58,000 | 6,415 |
| Additional noninterest expense | $602,000 | 2,035 |
| Pre-tax net operating income | $-319,000 | 8,792 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-70,000 | 8,821 |
| Income before extraordinary items | $-249,000 | 8,781 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-249,000 | 8,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $696,000 | 930 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-249,000 | 8,763 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,314,000 | 7,074 |
| Total interest expense | $371,000 | 7,800 |
| Net interest income | $1,943,000 | 6,706 |
| Provision for loan and lease losses | $27,000 | 6,524 |
| Total noninterest income | $394,000 | 5,830 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $272,000 | 4,546 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $122,000 | 6,074 |
| Total noninterest expense | $1,307,000 | 7,246 |
| Salaries and employee benefits | $626,000 | 7,561 |
| Premises and equipment expense | $213,000 | 6,599 |
| Additional noninterest expense | $468,000 | 6,749 |
| Pre-tax net operating income | $1,003,000 | 5,229 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $307,000 | 4,140 |
| Income before extraordinary items | $696,000 | 5,601 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $696,000 | 5,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,319 |
| Cash dividends | $675,000 | 3,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $696,000 | 5,530 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,742,000 | 7,088 |
| Total interest expense | $273,000 | 7,856 |
| Net interest income | $1,469,000 | 6,687 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $299,000 | 5,816 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $196,000 | 4,685 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $103,000 | 5,858 |
| Total noninterest expense | $1,013,000 | 7,139 |
| Salaries and employee benefits | $491,000 | 7,385 |
| Premises and equipment expense | $161,000 | 6,576 |
| Additional noninterest expense | $361,000 | 6,622 |
| Pre-tax net operating income | $737,000 | 5,389 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $224,000 | 4,272 |
| Income before extraordinary items | $513,000 | 5,756 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $513,000 | 5,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,426 |
| Cash dividends | $675,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $513,000 | 5,685 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,171,000 | 7,101 |
| Total interest expense | $180,000 | 7,938 |
| Net interest income | $991,000 | 6,686 |
| Provision for loan and lease losses | $9,000 | 6,446 |
| Total noninterest income | $190,000 | 5,938 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $124,000 | 4,796 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $66,000 | 5,947 |
| Total noninterest expense | $701,000 | 7,086 |
| Salaries and employee benefits | $348,000 | 7,307 |
| Premises and equipment expense | $106,000 | 6,654 |
| Additional noninterest expense | $247,000 | 6,570 |
| Pre-tax net operating income | $471,000 | 5,458 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $141,000 | 4,354 |
| Income before extraordinary items | $330,000 | 5,826 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $330,000 | 5,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,087 |
| Cash dividends | $675,000 | 1,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $330,000 | 5,740 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $610,000 | 7,026 |
| Total interest expense | $94,000 | 7,934 |
| Net interest income | $516,000 | 6,604 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $85,000 | 6,150 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 4,803 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $25,000 | 6,426 |
| Total noninterest expense | $344,000 | 7,171 |
| Salaries and employee benefits | $174,000 | 7,354 |
| Premises and equipment expense | $50,000 | 6,793 |
| Additional noninterest expense | $120,000 | 6,670 |
| Pre-tax net operating income | $257,000 | 5,211 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $78,000 | 4,184 |
| Income before extraordinary items | $179,000 | 5,607 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $179,000 | 5,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,902 |
| Cash dividends | $675,000 | 941 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $179,000 | 5,485 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,436,000 | 7,108 |
| Total interest expense | $518,000 | 7,678 |
| Net interest income | $1,918,000 | 6,707 |
| Provision for loan and lease losses | $1,000 | 7,629 |
| Total noninterest income | $352,000 | 6,247 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $265,000 | 4,609 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $87,000 | 6,760 |
| Total noninterest expense | $1,283,000 | 7,306 |
| Salaries and employee benefits | $664,000 | 7,447 |
| Premises and equipment expense | $198,000 | 6,802 |
| Additional noninterest expense | $421,000 | 7,029 |
| Pre-tax net operating income | $986,000 | 5,213 |
| Securities gains (losses) | $22,000 | 3,160 |
| Applicable income taxes | $332,000 | 4,127 |
| Income before extraordinary items | $676,000 | 5,685 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $676,000 | 5,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,435 |
| Cash dividends | $604,000 | 3,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $661,260 | 5,572 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,825,000 | 7,196 |
| Total interest expense | $415,000 | 7,705 |
| Net interest income | $1,410,000 | 6,817 |
| Provision for loan and lease losses | $1,000 | 7,460 |
| Total noninterest income | $262,000 | 6,302 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $199,000 | 4,628 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $63,000 | 6,866 |
| Total noninterest expense | $932,000 | 7,373 |
| Salaries and employee benefits | $486,000 | 7,457 |
| Premises and equipment expense | $145,000 | 6,860 |
| Additional noninterest expense | $301,000 | 7,131 |
| Pre-tax net operating income | $739,000 | 5,368 |
| Securities gains (losses) | $22,000 | 2,902 |
| Applicable income taxes | $253,000 | 4,260 |
| Income before extraordinary items | $508,000 | 5,812 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $508,000 | 5,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,291 |
| Cash dividends | $604,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $493,260 | 5,716 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,225,000 | 7,235 |
| Total interest expense | $295,000 | 7,704 |
| Net interest income | $930,000 | 6,862 |
| Provision for loan and lease losses | $13,000 | 6,657 |
| Total noninterest income | $177,000 | 6,263 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $132,000 | 4,608 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $621,000 | 7,396 |
| Salaries and employee benefits | $321,000 | 7,504 |
| Premises and equipment expense | $95,000 | 6,893 |
| Additional noninterest expense | $205,000 | 7,078 |
| Pre-tax net operating income | $473,000 | 5,455 |
| Securities gains (losses) | $22,000 | 2,556 |
| Applicable income taxes | $165,000 | 4,328 |
| Income before extraordinary items | $330,000 | 5,880 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $330,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,223 |
| Cash dividends | $604,000 | 1,876 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $315,260 | 5,789 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $619,000 | 7,232 |
| Total interest expense | $159,000 | 7,633 |
| Net interest income | $460,000 | 6,901 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $80,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $63,000 | 4,635 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $311,000 | 7,425 |
| Salaries and employee benefits | $165,000 | 7,481 |
| Premises and equipment expense | $49,000 | 6,835 |
| Additional noninterest expense | $97,000 | 7,224 |
| Pre-tax net operating income | $229,000 | 5,511 |
| Securities gains (losses) | $22,000 | 1,846 |
| Applicable income taxes | $85,000 | 4,242 |
| Income before extraordinary items | $166,000 | 5,781 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $166,000 | 5,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $604,000 | 1,041 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $151,480 | 5,821 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,867,000 | 6,985 |
| Total interest expense | $840,000 | 7,384 |
| Net interest income | $2,027,000 | 6,584 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $312,000 | 6,380 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $232,000 | 4,879 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $80,000 | 6,874 |
| Total noninterest expense | $1,256,000 | 7,352 |
| Salaries and employee benefits | $641,000 | 7,542 |
| Premises and equipment expense | $192,000 | 6,856 |
| Additional noninterest expense | $423,000 | 6,993 |
| Pre-tax net operating income | $1,083,000 | 5,005 |
| Securities gains (losses) | $45,000 | 2,504 |
| Applicable income taxes | $375,000 | 4,026 |
| Income before extraordinary items | $753,000 | 5,361 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $753,000 | 5,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $327,000 | 4,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $722,850 | 5,339 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,354,000 | 6,888 |
| Total interest expense | $1,457,000 | 7,061 |
| Net interest income | $1,897,000 | 6,603 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $256,000 | 6,808 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $204,000 | 5,117 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $52,000 | 7,628 |
| Total noninterest expense | $1,331,000 | 7,160 |
| Salaries and employee benefits | $608,000 | 7,631 |
| Premises and equipment expense | $218,000 | 6,523 |
| Additional noninterest expense | $505,000 | 6,400 |
| Pre-tax net operating income | $822,000 | 5,417 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $311,000 | 4,191 |
| Income before extraordinary items | $511,000 | 6,021 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $511,000 | 6,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $890,000 | 2,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $511,000 | 5,905 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,304,000 | 7,106 |
| Total interest expense | $1,387,000 | 7,375 |
| Net interest income | $1,917,000 | 6,702 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $216,000 | 7,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 5,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 7,858 |
| Total noninterest expense | $1,339,000 | 7,140 |
| Salaries and employee benefits | $614,000 | 7,627 |
| Premises and equipment expense | $231,000 | 6,301 |
| Additional noninterest expense | $494,000 | 6,468 |
| Pre-tax net operating income | $794,000 | 5,890 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $284,000 | 4,699 |
| Income before extraordinary items | $510,000 | 6,258 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $510,000 | 6,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $447,000 | 3,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $510,000 | 6,283 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,225,000 | 7,130 |
| Total interest expense | $1,245,000 | 7,525 |
| Net interest income | $1,980,000 | 6,690 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $229,000 | 7,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,343 |
| Total noninterest expense | $1,488,000 | 6,807 |
| Salaries and employee benefits | $733,000 | 7,058 |
| Premises and equipment expense | $252,000 | 6,012 |
| Additional noninterest expense | $503,000 | 6,500 |
| Pre-tax net operating income | $721,000 | 6,240 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $275,000 | 5,006 |
| Income before extraordinary items | $447,000 | 6,717 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $447,000 | 6,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $241,000 | 4,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $446,360 | 6,697 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,361,000 | 9,463 |
| Total interest expense | $473,000 | 9,746 |
| Net interest income | $888,000 | 9,050 |
| Provision for loan and lease losses | $-89,000 | 10,306 |
| Total noninterest income | $108,000 | 8,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,339 |
| Total noninterest expense | $581,000 | 9,505 |
| Salaries and employee benefits | $328,000 | 9,446 |
| Premises and equipment expense | $79,000 | 9,163 |
| Additional noninterest expense | $174,000 | 9,413 |
| Pre-tax net operating income | $504,000 | 7,339 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $263,000 | 5,514 |
| Income before extraordinary items | $241,000 | 8,305 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $241,000 | 8,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $241,000 | 8,230 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,075,000 | 7,664 |
| Total interest expense | $1,238,000 | 8,013 |
| Net interest income | $1,837,000 | 7,240 |
| Provision for loan and lease losses | $96,000 | 5,266 |
| Total noninterest income | $232,000 | 7,438 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 5,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,794 |
| Total noninterest expense | $1,268,000 | 7,454 |
| Salaries and employee benefits | $727,000 | 7,155 |
| Premises and equipment expense | $195,000 | 6,937 |
| Additional noninterest expense | $346,000 | 7,839 |
| Pre-tax net operating income | $705,000 | 6,956 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $220,000 | 6,618 |
| Income before extraordinary items | $485,000 | 7,068 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $485,000 | 7,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $350,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $485,000 | 7,014 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,985,000 | 8,017 |
| Total interest expense | $1,160,000 | 8,495 |
| Net interest income | $1,825,000 | 7,506 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $235,000 | 7,787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,227 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,006 |
| Total noninterest expense | $1,169,000 | 8,069 |
| Salaries and employee benefits | $627,000 | 7,962 |
| Premises and equipment expense | $193,000 | 7,149 |
| Additional noninterest expense | $349,000 | 8,368 |
| Pre-tax net operating income | $795,000 | 6,525 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $281,000 | 6,055 |
| Income before extraordinary items | $514,000 | 6,796 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $514,000 | 6,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $431,000 | 3,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $514,000 | 6,740 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,687,000 | 8,655 |
| Total interest expense | $994,000 | 9,272 |
| Net interest income | $1,693,000 | 8,043 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $234,000 | 7,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,981 |
| Total noninterest expense | $1,156,000 | 8,368 |
| Salaries and employee benefits | $620,000 | 8,240 |
| Premises and equipment expense | $174,000 | 7,727 |
| Additional noninterest expense | $362,000 | 8,577 |
| Pre-tax net operating income | $675,000 | 7,439 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $230,000 | 6,962 |
| Income before extraordinary items | $431,000 | 7,798 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $431,000 | 7,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $130,000 | 6,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $440,100 | 7,695 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,178,000 | 9,466 |
| Total interest expense | $752,000 | 9,822 |
| Net interest income | $1,426,000 | 9,082 |
| Provision for loan and lease losses | $96,000 | 4,659 |
| Total noninterest income | $210,000 | 8,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 6,839 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,194 |
| Total noninterest expense | $1,158,000 | 8,777 |
| Salaries and employee benefits | $583,000 | 8,738 |
| Premises and equipment expense | $150,000 | 8,551 |
| Additional noninterest expense | $425,000 | 8,578 |
| Pre-tax net operating income | $382,000 | 9,500 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $116,000 | 9,007 |
| Income before extraordinary items | $266,000 | 9,532 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $266,000 | 9,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $266,000 | 9,586 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,075,000 | 10,029 |
| Total interest expense | $788,000 | 10,106 |
| Net interest income | $1,287,000 | 9,775 |
| Provision for loan and lease losses | $96,000 | 5,869 |
| Total noninterest income | $219,000 | 8,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 7,086 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,126 |
| Total noninterest expense | $1,087,000 | 9,370 |
| Salaries and employee benefits | $524,000 | 9,427 |
| Premises and equipment expense | $134,000 | 9,351 |
| Additional noninterest expense | $429,000 | 8,939 |
| Pre-tax net operating income | $323,000 | 10,035 |
| Securities gains (losses) | $-6,000 | 12,616 |
| Applicable income taxes | $107,000 | 9,575 |
| Income before extraordinary items | $210,000 | 10,530 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $210,000 | 10,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 6,769 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $213,960 | 10,250 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,260,000 | 10,360 |
| Total interest expense | $1,062,000 | 10,131 |
| Net interest income | $1,198,000 | 10,329 |
| Provision for loan and lease losses | $96,000 | 7,391 |
| Total noninterest income | $223,000 | 8,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 6,621 |
| Total noninterest expense | $1,076,000 | 9,638 |
| Salaries and employee benefits | $496,000 | 9,818 |
| Premises and equipment expense | $172,000 | 8,516 |
| Additional noninterest expense | $408,000 | 9,464 |
| Pre-tax net operating income | $249,000 | 10,613 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $97,000 | 10,000 |
| Income before extraordinary items | $152,000 | 11,242 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $152,000 | 11,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 8,164 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $152,000 | 10,908 |
* 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.