Home > Vanguard Bank & Trust Company > Income and Expense
Vanguard Bank & Trust Company, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $27,245,000 | 1,068 |
| Total interest expense | $10,821,000 | 1,169 |
| Net interest income | $16,424,000 | 996 |
| Provision for loan and lease losses | $20,449,000 | 242 |
| Total noninterest income | $-2,090,000 | 8,361 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,204,000 | 596 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-4,294,000 | 8,378 |
| Total noninterest expense | $11,884,000 | 1,223 |
| Salaries and employee benefits | $5,927,000 | 1,299 |
| Premises and equipment expense | $1,320,000 | 1,587 |
| Additional noninterest expense | $4,637,000 | 988 |
| Pre-tax net operating income | $-17,999,000 | 8,272 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-6,730,000 | 8,288 |
| Income before extraordinary items | $-11,269,000 | 8,232 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-11,269,000 | 8,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,096,000 | 223 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 822 |
| Net operating income | $-11,269,000 | 8,251 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $18,563,000 | 1,054 |
| Total interest expense | $7,520,000 | 1,161 |
| Net interest income | $11,043,000 | 977 |
| Provision for loan and lease losses | $11,326,000 | 246 |
| Total noninterest income | $-597,000 | 8,423 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,464,000 | 588 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-2,061,000 | 8,446 |
| Total noninterest expense | $8,325,000 | 1,166 |
| Salaries and employee benefits | $4,041,000 | 1,284 |
| Premises and equipment expense | $884,000 | 1,578 |
| Additional noninterest expense | $3,400,000 | 874 |
| Pre-tax net operating income | $-9,205,000 | 8,353 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-3,436,000 | 8,365 |
| Income before extraordinary items | $-5,769,000 | 8,330 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,769,000 | 8,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,362,000 | 195 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 597 |
| Net operating income | $-5,769,000 | 8,325 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,884,000 | 1,019 |
| Total interest expense | $4,067,000 | 1,145 |
| Net interest income | $5,817,000 | 915 |
| Provision for loan and lease losses | $10,000,000 | 157 |
| Total noninterest income | $1,408,000 | 1,015 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $798,000 | 528 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $610,000 | 1,224 |
| Total noninterest expense | $4,232,000 | 1,148 |
| Salaries and employee benefits | $2,091,000 | 1,249 |
| Premises and equipment expense | $414,000 | 1,673 |
| Additional noninterest expense | $1,727,000 | 836 |
| Pre-tax net operating income | $-7,007,000 | 8,441 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-2,557,000 | 8,435 |
| Income before extraordinary items | $-4,450,000 | 8,425 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,450,000 | 8,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,068,000 | 124 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 464 |
| Net operating income | $-4,450,000 | 8,425 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $47,813,000 | 875 |
| Total interest expense | $18,720,000 | 1,045 |
| Net interest income | $29,093,000 | 753 |
| Provision for loan and lease losses | $12,652,000 | 211 |
| Total noninterest income | $5,562,000 | 1,012 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,114,000 | 559 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,448,000 | 1,182 |
| Total noninterest expense | $14,980,000 | 1,241 |
| Salaries and employee benefits | $7,949,000 | 1,254 |
| Premises and equipment expense | $1,725,000 | 1,539 |
| Additional noninterest expense | $5,306,000 | 1,062 |
| Pre-tax net operating income | $7,023,000 | 1,212 |
| Securities gains (losses) | $150,000 | 508 |
| Applicable income taxes | $2,137,000 | 1,074 |
| Income before extraordinary items | $5,036,000 | 1,268 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,036,000 | 1,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,883,000 | 135 |
| Cash dividends | $21,078,000 | 235 |
| Sale, conversion, retirement of capital stock, net | $210,000 | 742 |
| Net operating income | $4,931,000 | 1,289 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $37,147,000 | 844 |
| Total interest expense | $14,041,000 | 1,043 |
| Net interest income | $23,106,000 | 717 |
| Provision for loan and lease losses | $4,227,000 | 292 |
| Total noninterest income | $4,073,000 | 1,025 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,222,000 | 583 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,851,000 | 1,185 |
| Total noninterest expense | $11,083,000 | 1,253 |
| Salaries and employee benefits | $6,030,000 | 1,240 |
| Premises and equipment expense | $1,248,000 | 1,594 |
| Additional noninterest expense | $3,805,000 | 1,080 |
| Pre-tax net operating income | $11,869,000 | 598 |
| Securities gains (losses) | $150,000 | 416 |
| Applicable income taxes | $4,109,000 | 543 |
| Income before extraordinary items | $7,910,000 | 658 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $7,910,000 | 656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,921 |
| Cash dividends | $15,086,000 | 247 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 652 |
| Net operating income | $7,811,000 | 653 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $24,782,000 | 853 |
| Total interest expense | $9,208,000 | 1,069 |
| Net interest income | $15,574,000 | 727 |
| Provision for loan and lease losses | $-1,547,000 | 8,601 |
| Total noninterest income | $2,667,000 | 1,061 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,394,000 | 623 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,273,000 | 1,182 |
| Total noninterest expense | $7,379,000 | 1,264 |
| Salaries and employee benefits | $4,093,000 | 1,244 |
| Premises and equipment expense | $793,000 | 1,677 |
| Additional noninterest expense | $2,493,000 | 1,123 |
| Pre-tax net operating income | $12,409,000 | 458 |
| Securities gains (losses) | $150,000 | 351 |
| Applicable income taxes | $4,461,000 | 417 |
| Income before extraordinary items | $8,098,000 | 491 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,098,000 | 490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,196 |
| Cash dividends | $8,746,000 | 284 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 565 |
| Net operating income | $8,002,000 | 482 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,273,000 | 848 |
| Total interest expense | $4,434,000 | 1,095 |
| Net interest income | $7,839,000 | 715 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,289,000 | 1,074 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $651,000 | 651 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $638,000 | 1,141 |
| Total noninterest expense | $3,717,000 | 1,259 |
| Salaries and employee benefits | $2,086,000 | 1,230 |
| Premises and equipment expense | $396,000 | 1,683 |
| Additional noninterest expense | $1,235,000 | 1,099 |
| Pre-tax net operating income | $5,411,000 | 498 |
| Securities gains (losses) | $150,000 | 251 |
| Applicable income taxes | $1,961,000 | 452 |
| Income before extraordinary items | $3,600,000 | 534 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,600,000 | 533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,253 |
| Cash dividends | $2,406,000 | 398 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 433 |
| Net operating income | $3,502,500 | 533 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $51,643,000 | 740 |
| Total interest expense | $16,610,000 | 999 |
| Net interest income | $35,033,000 | 642 |
| Provision for loan and lease losses | $1,000,000 | 1,040 |
| Total noninterest income | $5,179,000 | 1,065 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,860,000 | 594 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,319,000 | 1,206 |
| Total noninterest expense | $13,815,000 | 1,292 |
| Salaries and employee benefits | $7,562,000 | 1,291 |
| Premises and equipment expense | $1,460,000 | 1,738 |
| Additional noninterest expense | $4,793,000 | 1,119 |
| Pre-tax net operating income | $25,397,000 | 458 |
| Securities gains (losses) | $-65,000 | 8,034 |
| Applicable income taxes | $9,053,000 | 418 |
| Income before extraordinary items | $16,279,000 | 493 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $16,279,000 | 492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-803,000 | 8,656 |
| Cash dividends | $8,707,000 | 442 |
| Sale, conversion, retirement of capital stock, net | $215,000 | 753 |
| Net operating income | $16,320,600 | 486 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $38,276,000 | 754 |
| Total interest expense | $11,850,000 | 1,027 |
| Net interest income | $26,426,000 | 656 |
| Provision for loan and lease losses | $1,546,000 | 513 |
| Total noninterest income | $3,814,000 | 1,085 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,139,000 | 603 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,675,000 | 1,264 |
| Total noninterest expense | $10,006,000 | 1,349 |
| Salaries and employee benefits | $5,603,000 | 1,318 |
| Premises and equipment expense | $1,097,000 | 1,736 |
| Additional noninterest expense | $3,306,000 | 1,217 |
| Pre-tax net operating income | $18,688,000 | 479 |
| Securities gains (losses) | $-65,000 | 8,269 |
| Applicable income taxes | $6,666,000 | 454 |
| Income before extraordinary items | $11,957,000 | 524 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $11,957,000 | 524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-311,000 | 8,674 |
| Cash dividends | $6,099,000 | 437 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 639 |
| Net operating income | $11,998,600 | 509 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $24,455,000 | 767 |
| Total interest expense | $7,118,000 | 1,087 |
| Net interest income | $17,337,000 | 665 |
| Provision for loan and lease losses | $1,240,000 | 411 |
| Total noninterest income | $2,541,000 | 1,093 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,403,000 | 604 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,138,000 | 1,242 |
| Total noninterest expense | $6,575,000 | 1,373 |
| Salaries and employee benefits | $3,624,000 | 1,369 |
| Premises and equipment expense | $719,000 | 1,761 |
| Additional noninterest expense | $2,232,000 | 1,214 |
| Pre-tax net operating income | $12,063,000 | 492 |
| Securities gains (losses) | $-65,000 | 8,432 |
| Applicable income taxes | $4,327,000 | 459 |
| Income before extraordinary items | $7,671,000 | 535 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,671,000 | 533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-285,000 | 8,708 |
| Cash dividends | $4,115,000 | 441 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 543 |
| Net operating income | $7,712,600 | 520 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,466,000 | 794 |
| Total interest expense | $2,983,000 | 1,253 |
| Net interest income | $8,483,000 | 677 |
| Provision for loan and lease losses | $335,000 | 712 |
| Total noninterest income | $1,114,000 | 1,179 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $729,000 | 566 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $385,000 | 1,615 |
| Total noninterest expense | $3,207,000 | 1,409 |
| Salaries and employee benefits | $1,787,000 | 1,392 |
| Premises and equipment expense | $349,000 | 1,811 |
| Additional noninterest expense | $1,071,000 | 1,238 |
| Pre-tax net operating income | $6,055,000 | 487 |
| Securities gains (losses) | $-65,000 | 8,604 |
| Applicable income taxes | $2,199,000 | 453 |
| Income before extraordinary items | $3,791,000 | 538 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,791,000 | 537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-66,000 | 8,563 |
| Cash dividends | $1,801,000 | 458 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 388 |
| Net operating income | $3,832,600 | 522 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $40,017,000 | 808 |
| Total interest expense | $7,837,000 | 1,445 |
| Net interest income | $32,180,000 | 655 |
| Provision for loan and lease losses | $2,425,000 | 443 |
| Total noninterest income | $4,732,000 | 1,131 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,949,000 | 576 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,783,000 | 1,461 |
| Total noninterest expense | $12,183,000 | 1,404 |
| Salaries and employee benefits | $6,501,000 | 1,433 |
| Premises and equipment expense | $1,409,000 | 1,727 |
| Additional noninterest expense | $4,273,000 | 1,215 |
| Pre-tax net operating income | $22,304,000 | 493 |
| Securities gains (losses) | $16,000 | 1,323 |
| Applicable income taxes | $8,434,000 | 442 |
| Income before extraordinary items | $13,886,000 | 545 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $13,886,000 | 545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,222,000 | 582 |
| Cash dividends | $6,668,000 | 518 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $13,875,760 | 530 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,033,000 | 812 |
| Total interest expense | $5,323,000 | 1,503 |
| Net interest income | $23,710,000 | 652 |
| Provision for loan and lease losses | $1,650,000 | 464 |
| Total noninterest income | $3,559,000 | 1,134 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,213,000 | 570 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,346,000 | 1,463 |
| Total noninterest expense | $8,840,000 | 1,442 |
| Salaries and employee benefits | $4,826,000 | 1,434 |
| Premises and equipment expense | $948,000 | 1,901 |
| Additional noninterest expense | $3,066,000 | 1,251 |
| Pre-tax net operating income | $16,779,000 | 493 |
| Securities gains (losses) | $27,000 | 1,107 |
| Applicable income taxes | $6,350,000 | 448 |
| Income before extraordinary items | $10,456,000 | 543 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,456,000 | 543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,123 |
| Cash dividends | $1,668,000 | 1,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $10,438,720 | 532 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $18,508,000 | 829 |
| Total interest expense | $3,167,000 | 1,598 |
| Net interest income | $15,341,000 | 663 |
| Provision for loan and lease losses | $1,125,000 | 445 |
| Total noninterest income | $2,432,000 | 1,099 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,453,000 | 568 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $979,000 | 1,373 |
| Total noninterest expense | $6,013,000 | 1,414 |
| Salaries and employee benefits | $3,160,000 | 1,463 |
| Premises and equipment expense | $625,000 | 1,905 |
| Additional noninterest expense | $2,228,000 | 1,115 |
| Pre-tax net operating income | $10,635,000 | 506 |
| Securities gains (losses) | $27,000 | 1,002 |
| Applicable income taxes | $4,028,000 | 459 |
| Income before extraordinary items | $6,634,000 | 561 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,634,000 | 561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $6,616,720 | 546 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,707,000 | 871 |
| Total interest expense | $1,368,000 | 1,746 |
| Net interest income | $7,339,000 | 690 |
| Provision for loan and lease losses | $525,000 | 448 |
| Total noninterest income | $1,168,000 | 1,112 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $706,000 | 563 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $462,000 | 1,401 |
| Total noninterest expense | $3,004,000 | 1,408 |
| Salaries and employee benefits | $1,629,000 | 1,414 |
| Premises and equipment expense | $305,000 | 1,968 |
| Additional noninterest expense | $1,070,000 | 1,144 |
| Pre-tax net operating income | $4,978,000 | 515 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,907,000 | 477 |
| Income before extraordinary items | $3,071,000 | 596 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,071,000 | 596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,541 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,071,000 | 580 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $28,934,000 | 982 |
| Total interest expense | $4,630,000 | 1,756 |
| Net interest income | $24,304,000 | 822 |
| Provision for loan and lease losses | $1,775,000 | 609 |
| Total noninterest income | $4,600,000 | 1,151 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,032,000 | 569 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,568,000 | 1,591 |
| Total noninterest expense | $12,048,000 | 1,361 |
| Salaries and employee benefits | $6,538,000 | 1,349 |
| Premises and equipment expense | $1,530,000 | 1,522 |
| Additional noninterest expense | $3,980,000 | 1,249 |
| Pre-tax net operating income | $15,081,000 | 612 |
| Securities gains (losses) | $-248,000 | 8,824 |
| Applicable income taxes | $5,585,000 | 557 |
| Income before extraordinary items | $9,248,000 | 725 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,248,000 | 726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $751,000 | 950 |
| Cash dividends | $4,311,000 | 702 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $9,406,720 | 684 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $20,770,000 | 1,007 |
| Total interest expense | $3,360,000 | 1,784 |
| Net interest income | $17,410,000 | 849 |
| Provision for loan and lease losses | $1,400,000 | 560 |
| Total noninterest income | $3,406,000 | 1,177 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,260,000 | 575 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,146,000 | 1,607 |
| Total noninterest expense | $8,771,000 | 1,396 |
| Salaries and employee benefits | $4,919,000 | 1,339 |
| Premises and equipment expense | $1,044,000 | 1,673 |
| Additional noninterest expense | $2,808,000 | 1,320 |
| Pre-tax net operating income | $10,645,000 | 650 |
| Securities gains (losses) | $-23,000 | 8,676 |
| Applicable income taxes | $3,998,000 | 586 |
| Income before extraordinary items | $6,624,000 | 759 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,624,000 | 760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $667,000 | 762 |
| Cash dividends | $2,664,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,638,720 | 725 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $13,396,000 | 1,024 |
| Total interest expense | $2,209,000 | 1,794 |
| Net interest income | $11,187,000 | 870 |
| Provision for loan and lease losses | $675,000 | 756 |
| Total noninterest income | $2,225,000 | 1,180 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,424,000 | 611 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $801,000 | 1,549 |
| Total noninterest expense | $5,852,000 | 1,386 |
| Salaries and employee benefits | $3,231,000 | 1,354 |
| Premises and equipment expense | $643,000 | 1,793 |
| Additional noninterest expense | $1,978,000 | 1,222 |
| Pre-tax net operating income | $6,885,000 | 659 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,590,000 | 594 |
| Income before extraordinary items | $4,295,000 | 769 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,295,000 | 769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 923 |
| Cash dividends | $1,564,000 | 854 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,295,000 | 735 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,621,000 | 1,050 |
| Total interest expense | $1,122,000 | 1,791 |
| Net interest income | $5,499,000 | 898 |
| Provision for loan and lease losses | $350,000 | 704 |
| Total noninterest income | $1,184,000 | 1,103 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $656,000 | 654 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $528,000 | 1,246 |
| Total noninterest expense | $3,035,000 | 1,354 |
| Salaries and employee benefits | $1,604,000 | 1,383 |
| Premises and equipment expense | $303,000 | 1,915 |
| Additional noninterest expense | $1,128,000 | 1,081 |
| Pre-tax net operating income | $3,298,000 | 679 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,240,000 | 625 |
| Income before extraordinary items | $2,058,000 | 810 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,058,000 | 810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,058,000 | 760 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $26,210,000 | 1,078 |
| Total interest expense | $5,373,000 | 1,682 |
| Net interest income | $20,837,000 | 924 |
| Provision for loan and lease losses | $860,000 | 1,374 |
| Total noninterest income | $3,893,000 | 1,376 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,599,000 | 662 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,294,000 | 2,016 |
| Total noninterest expense | $11,456,000 | 1,401 |
| Salaries and employee benefits | $6,116,000 | 1,404 |
| Premises and equipment expense | $1,280,000 | 1,779 |
| Additional noninterest expense | $4,060,000 | 1,225 |
| Pre-tax net operating income | $12,414,000 | 703 |
| Securities gains (losses) | $-91,000 | 9,012 |
| Applicable income taxes | $4,653,000 | 654 |
| Income before extraordinary items | $7,670,000 | 850 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,670,000 | 852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $503,000 | 1,599 |
| Cash dividends | $3,300,000 | 910 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,728,240 | 786 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $19,163,000 | 1,138 |
| Total interest expense | $4,275,000 | 1,649 |
| Net interest income | $14,888,000 | 979 |
| Provision for loan and lease losses | $850,000 | 1,033 |
| Total noninterest income | $2,849,000 | 1,424 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,882,000 | 693 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $967,000 | 2,101 |
| Total noninterest expense | $8,260,000 | 1,461 |
| Salaries and employee benefits | $4,349,000 | 1,485 |
| Premises and equipment expense | $884,000 | 1,937 |
| Additional noninterest expense | $3,027,000 | 1,247 |
| Pre-tax net operating income | $8,627,000 | 791 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $3,247,000 | 722 |
| Income before extraordinary items | $5,380,000 | 940 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,380,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,464 |
| Cash dividends | $1,800,000 | 1,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,380,000 | 873 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,928,000 | 1,128 |
| Total interest expense | $3,019,000 | 1,594 |
| Net interest income | $9,909,000 | 980 |
| Provision for loan and lease losses | $600,000 | 971 |
| Total noninterest income | $1,903,000 | 1,410 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,258,000 | 677 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $645,000 | 2,093 |
| Total noninterest expense | $5,516,000 | 1,453 |
| Salaries and employee benefits | $2,867,000 | 1,501 |
| Premises and equipment expense | $591,000 | 1,928 |
| Additional noninterest expense | $2,058,000 | 1,217 |
| Pre-tax net operating income | $5,696,000 | 784 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,144,000 | 731 |
| Income before extraordinary items | $3,552,000 | 949 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,552,000 | 949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,501 |
| Cash dividends | $1,300,000 | 1,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,552,000 | 876 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,397,000 | 1,147 |
| Total interest expense | $1,537,000 | 1,609 |
| Net interest income | $4,860,000 | 995 |
| Provision for loan and lease losses | $300,000 | 910 |
| Total noninterest income | $903,000 | 1,438 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $624,000 | 667 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $279,000 | 2,215 |
| Total noninterest expense | $2,732,000 | 1,456 |
| Salaries and employee benefits | $1,423,000 | 1,505 |
| Premises and equipment expense | $305,000 | 1,870 |
| Additional noninterest expense | $1,004,000 | 1,222 |
| Pre-tax net operating income | $2,731,000 | 819 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,028,000 | 778 |
| Income before extraordinary items | $1,703,000 | 981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,703,000 | 980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,802 |
| Cash dividends | $1,300,000 | 540 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,703,000 | 909 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $26,339,000 | 1,167 |
| Total interest expense | $7,335,000 | 1,542 |
| Net interest income | $19,004,000 | 1,024 |
| Provision for loan and lease losses | $1,839,000 | 798 |
| Total noninterest income | $3,848,000 | 1,289 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,559,000 | 639 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,289,000 | 1,849 |
| Total noninterest expense | $11,012,000 | 1,402 |
| Salaries and employee benefits | $5,411,000 | 1,500 |
| Premises and equipment expense | $1,442,000 | 1,537 |
| Additional noninterest expense | $4,159,000 | 1,172 |
| Pre-tax net operating income | $10,001,000 | 871 |
| Securities gains (losses) | $-14,000 | 8,946 |
| Applicable income taxes | $3,750,000 | 769 |
| Income before extraordinary items | $6,237,000 | 1,006 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,237,000 | 1,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $619,000 | 1,397 |
| Cash dividends | $4,151,000 | 721 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,245,960 | 959 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,813,000 | 1,137 |
| Total interest expense | $11,550,000 | 1,403 |
| Net interest income | $18,263,000 | 987 |
| Provision for loan and lease losses | $944,000 | 1,307 |
| Total noninterest income | $3,378,000 | 1,346 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,380,000 | 629 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $998,000 | 2,050 |
| Total noninterest expense | $9,988,000 | 1,475 |
| Salaries and employee benefits | $5,080,000 | 1,493 |
| Premises and equipment expense | $1,388,000 | 1,546 |
| Additional noninterest expense | $3,520,000 | 1,325 |
| Pre-tax net operating income | $10,709,000 | 727 |
| Securities gains (losses) | $43,000 | 2,496 |
| Applicable income taxes | $4,107,000 | 639 |
| Income before extraordinary items | $6,645,000 | 834 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,645,000 | 835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $842,000 | 1,059 |
| Cash dividends | $7,174,000 | 468 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,617,480 | 804 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $30,752,000 | 1,146 |
| Total interest expense | $13,854,000 | 1,255 |
| Net interest income | $16,898,000 | 1,041 |
| Provision for loan and lease losses | $792,000 | 1,286 |
| Total noninterest income | $3,695,000 | 1,134 |
| Gross Fiduciary activities income | $13,000 | 1,190 |
| Service charges on deposit accounts | $2,375,000 | 562 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,307,000 | 1,554 |
| Total noninterest expense | $9,963,000 | 1,393 |
| Salaries and employee benefits | $5,041,000 | 1,404 |
| Premises and equipment expense | $1,468,000 | 1,410 |
| Additional noninterest expense | $3,454,000 | 1,320 |
| Pre-tax net operating income | $9,838,000 | 793 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $3,797,000 | 672 |
| Income before extraordinary items | $6,041,000 | 870 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,041,000 | 869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $557,000 | 1,146 |
| Cash dividends | $4,679,000 | 658 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,041,000 | 872 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $25,183,000 | 1,291 |
| Total interest expense | $9,748,000 | 1,543 |
| Net interest income | $15,435,000 | 1,141 |
| Provision for loan and lease losses | $1,484,000 | 703 |
| Total noninterest income | $3,835,000 | 1,122 |
| Gross Fiduciary activities income | $26,000 | 1,185 |
| Service charges on deposit accounts | $2,106,000 | 629 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,703,000 | 1,289 |
| Total noninterest expense | $11,466,000 | 1,210 |
| Salaries and employee benefits | $5,501,000 | 1,259 |
| Premises and equipment expense | $1,573,000 | 1,287 |
| Additional noninterest expense | $4,392,000 | 1,068 |
| Pre-tax net operating income | $6,320,000 | 1,212 |
| Securities gains (losses) | $-15,000 | 9,468 |
| Applicable income taxes | $2,419,000 | 1,043 |
| Income before extraordinary items | $3,886,000 | 1,385 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,886,000 | 1,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $828,000 | 809 |
| Cash dividends | $4,109,000 | 754 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,895,600 | 1,362 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,116,000 | 1,699 |
| Total interest expense | $7,751,000 | 1,972 |
| Net interest income | $11,365,000 | 1,484 |
| Provision for loan and lease losses | $640,000 | 1,415 |
| Total noninterest income | $2,972,000 | 1,357 |
| Gross Fiduciary activities income | $283,000 | 795 |
| Service charges on deposit accounts | $1,556,000 | 795 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,133,000 | 1,697 |
| Total noninterest expense | $8,127,000 | 1,626 |
| Salaries and employee benefits | $4,092,000 | 1,628 |
| Premises and equipment expense | $1,010,000 | 1,951 |
| Additional noninterest expense | $3,025,000 | 1,438 |
| Pre-tax net operating income | $5,570,000 | 1,346 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $2,212,000 | 1,136 |
| Income before extraordinary items | $3,357,000 | 1,574 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,357,000 | 1,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $402,000 | 1,501 |
| Cash dividends | $3,767,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,357,640 | 1,511 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,281,000 | 1,808 |
| Total interest expense | $7,685,000 | 1,999 |
| Net interest income | $10,596,000 | 1,639 |
| Provision for loan and lease losses | $182,000 | 3,635 |
| Total noninterest income | $2,503,000 | 1,482 |
| Gross Fiduciary activities income | $253,000 | 843 |
| Service charges on deposit accounts | $1,423,000 | 893 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $827,000 | 1,989 |
| Total noninterest expense | $7,486,000 | 1,735 |
| Salaries and employee benefits | $3,689,000 | 1,772 |
| Premises and equipment expense | $994,000 | 1,981 |
| Additional noninterest expense | $2,803,000 | 1,531 |
| Pre-tax net operating income | $5,431,000 | 1,434 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $2,168,000 | 1,232 |
| Income before extraordinary items | $3,259,000 | 1,655 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,259,000 | 1,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 1,739 |
| Cash dividends | $2,270,000 | 1,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,261,560 | 1,617 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,019,000 | 1,979 |
| Total interest expense | $7,127,000 | 2,180 |
| Net interest income | $9,892,000 | 1,789 |
| Provision for loan and lease losses | $234,000 | 3,091 |
| Total noninterest income | $2,547,000 | 1,526 |
| Gross Fiduciary activities income | $259,000 | 907 |
| Service charges on deposit accounts | $1,426,000 | 925 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $862,000 | 2,005 |
| Total noninterest expense | $6,947,000 | 2,015 |
| Salaries and employee benefits | $3,368,000 | 1,959 |
| Premises and equipment expense | $868,000 | 2,275 |
| Additional noninterest expense | $2,711,000 | 1,883 |
| Pre-tax net operating income | $5,258,000 | 1,367 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $2,230,000 | 1,114 |
| Income before extraordinary items | $3,042,000 | 1,639 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,042,000 | 1,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,197 |
| Cash dividends | $586,000 | 3,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,033,040 | 1,611 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,524,000 | 2,320 |
| Total interest expense | $5,865,000 | 2,616 |
| Net interest income | $8,659,000 | 2,080 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $2,256,000 | 1,662 |
| Gross Fiduciary activities income | $237,000 | 958 |
| Service charges on deposit accounts | $1,287,000 | 1,041 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $732,000 | 2,233 |
| Total noninterest expense | $6,395,000 | 2,152 |
| Salaries and employee benefits | $2,897,000 | 2,289 |
| Premises and equipment expense | $862,000 | 2,321 |
| Additional noninterest expense | $2,636,000 | 1,892 |
| Pre-tax net operating income | $4,508,000 | 1,636 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $1,934,000 | 1,307 |
| Income before extraordinary items | $2,573,000 | 1,950 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,573,000 | 1,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,457 |
| Cash dividends | $5,017,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,573,640 | 1,933 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,445,000 | 2,120 |
| Total interest expense | $4,105,000 | 2,968 |
| Net interest income | $10,340,000 | 1,752 |
| Provision for loan and lease losses | $-389,000 | 12,433 |
| Total noninterest income | $2,981,000 | 1,373 |
| Gross Fiduciary activities income | $225,000 | 988 |
| Service charges on deposit accounts | $1,240,000 | 1,071 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,516,000 | 1,375 |
| Total noninterest expense | $7,915,000 | 1,829 |
| Salaries and employee benefits | $3,021,000 | 2,199 |
| Premises and equipment expense | $618,000 | 3,179 |
| Additional noninterest expense | $4,276,000 | 1,340 |
| Pre-tax net operating income | $5,795,000 | 1,286 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $2,404,000 | 1,035 |
| Income before extraordinary items | $3,384,000 | 1,455 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,384,000 | 1,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,394 |
| Cash dividends | $4,483,000 | 610 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,388,480 | 1,467 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,514,000 | 2,145 |
| Total interest expense | $4,037,000 | 3,149 |
| Net interest income | $10,477,000 | 1,729 |
| Provision for loan and lease losses | $612,000 | 1,818 |
| Total noninterest income | $3,047,000 | 1,441 |
| Gross Fiduciary activities income | $242,000 | 1,007 |
| Service charges on deposit accounts | $1,303,000 | 1,010 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,502,000 | 1,552 |
| Total noninterest expense | $8,617,000 | 1,753 |
| Salaries and employee benefits | $2,775,000 | 2,399 |
| Premises and equipment expense | $644,000 | 3,110 |
| Additional noninterest expense | $5,198,000 | 1,239 |
| Pre-tax net operating income | $4,295,000 | 1,617 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $1,821,000 | 1,310 |
| Income before extraordinary items | $2,480,000 | 2,022 |
| Extraordinary gains, net | $625,000 | 357 |
| Net income | $3,105,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $973,000 | 1,166 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,476,160 | 1,899 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,063,000 | 2,334 |
| Total interest expense | $5,251,000 | 3,158 |
| Net interest income | $9,812,000 | 1,867 |
| Provision for loan and lease losses | $1,600,000 | 1,344 |
| Total noninterest income | $2,998,000 | 1,441 |
| Gross Fiduciary activities income | $262,000 | 1,005 |
| Service charges on deposit accounts | $1,253,000 | 1,038 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,483,000 | 1,536 |
| Total noninterest expense | $9,223,000 | 1,647 |
| Salaries and employee benefits | $2,836,000 | 2,296 |
| Premises and equipment expense | $715,000 | 2,866 |
| Additional noninterest expense | $5,672,000 | 1,179 |
| Pre-tax net operating income | $1,987,000 | 3,120 |
| Securities gains (losses) | $54,000 | 3,989 |
| Applicable income taxes | $934,000 | 2,233 |
| Income before extraordinary items | $1,107,000 | 4,107 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,107,000 | 4,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,291,000 | 1,327 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,072,440 | 3,921 |
* 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.