Home > Vantus Bank > Income and Expense
Vantus Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,190,000 | 1,470 |
| Total interest expense | $4,986,000 | 1,326 |
| Net interest income | $7,204,000 | 1,555 |
| Provision for loan and lease losses | $1,398,000 | 1,710 |
| Total noninterest income | $2,716,000 | 1,043 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,716,000 | 690 |
| Total noninterest expense | $9,913,000 | 1,058 |
| Salaries and employee benefits | $4,680,000 | 1,078 |
| Premises and equipment expense | $1,887,000 | 743 |
| Additional noninterest expense | $3,346,000 | 1,142 |
| Pre-tax net operating income | $-1,391,000 | 7,193 |
| Securities gains (losses) | $-17,188,000 | 8,164 |
| Applicable income taxes | $1,935,000 | 343 |
| Income before extraordinary items | $-20,514,000 | 8,037 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-20,514,000 | 8,037 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-20,514,000 | 8,037 |
| Net charge-offs | $1,283,000 | 1,454 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,326,000 | 7,669 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,266,000 | 1,435 |
| Total interest expense | $2,550,000 | 1,351 |
| Net interest income | $3,716,000 | 1,496 |
| Provision for loan and lease losses | $107,000 | 3,774 |
| Total noninterest income | $1,210,000 | 1,099 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,210,000 | 724 |
| Total noninterest expense | $4,663,000 | 1,077 |
| Salaries and employee benefits | $2,604,000 | 973 |
| Premises and equipment expense | $985,000 | 728 |
| Additional noninterest expense | $1,074,000 | 1,503 |
| Pre-tax net operating income | $156,000 | 4,440 |
| Securities gains (losses) | $-4,925,000 | 8,207 |
| Applicable income taxes | $-1,827,000 | 8,077 |
| Income before extraordinary items | $-2,942,000 | 7,971 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,942,000 | 7,972 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,942,000 | 7,972 |
| Net charge-offs | $108,000 | 2,787 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $210,000 | 3,634 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $31,291,000 | 1,223 |
| Total interest expense | $14,404,000 | 1,130 |
| Net interest income | $16,887,000 | 1,319 |
| Provision for loan and lease losses | $13,759,000 | 474 |
| Total noninterest income | $10,625,000 | 557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $10,625,000 | 377 |
| Total noninterest expense | $38,784,000 | 521 |
| Salaries and employee benefits | $11,717,000 | 856 |
| Premises and equipment expense | $4,139,000 | 667 |
| Additional noninterest expense | $22,928,000 | 353 |
| Pre-tax net operating income | $-25,031,000 | 8,132 |
| Securities gains (losses) | $684,000 | 292 |
| Applicable income taxes | $-2,525,000 | 7,980 |
| Income before extraordinary items | $-21,822,000 | 8,110 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-21,822,000 | 8,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,383,000 | 921 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-22,437,600 | 8,135 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,941,000 | 1,225 |
| Total interest expense | $11,463,000 | 1,100 |
| Net interest income | $12,478,000 | 1,357 |
| Provision for loan and lease losses | $12,454,000 | 345 |
| Total noninterest income | $3,976,000 | 1,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,976,000 | 663 |
| Total noninterest expense | $33,319,000 | 460 |
| Salaries and employee benefits | $8,561,000 | 896 |
| Premises and equipment expense | $3,121,000 | 671 |
| Additional noninterest expense | $21,637,000 | 286 |
| Pre-tax net operating income | $-29,319,000 | 8,309 |
| Securities gains (losses) | $513,000 | 314 |
| Applicable income taxes | $-4,075,000 | 8,252 |
| Income before extraordinary items | $-24,731,000 | 8,291 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-24,731,000 | 8,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,332,000 | 751 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-25,172,180 | 8,304 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,243,000 | 1,220 |
| Total interest expense | $8,280,000 | 1,056 |
| Net interest income | $7,963,000 | 1,404 |
| Provision for loan and lease losses | $9,941,000 | 272 |
| Total noninterest income | $2,669,000 | 1,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,669,000 | 670 |
| Total noninterest expense | $28,500,000 | 380 |
| Salaries and employee benefits | $5,893,000 | 874 |
| Premises and equipment expense | $2,048,000 | 681 |
| Additional noninterest expense | $20,559,000 | 224 |
| Pre-tax net operating income | $-27,809,000 | 8,401 |
| Securities gains (losses) | $379,000 | 382 |
| Applicable income taxes | $-3,486,000 | 8,368 |
| Income before extraordinary items | $-23,944,000 | 8,398 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-23,944,000 | 8,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,379,000 | 708 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-24,273,730 | 8,397 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,602,000 | 1,182 |
| Total interest expense | $4,680,000 | 988 |
| Net interest income | $3,922,000 | 1,414 |
| Provision for loan and lease losses | $3,171,000 | 293 |
| Total noninterest income | $1,007,000 | 1,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,007,000 | 858 |
| Total noninterest expense | $4,931,000 | 988 |
| Salaries and employee benefits | $2,957,000 | 876 |
| Premises and equipment expense | $1,039,000 | 676 |
| Additional noninterest expense | $935,000 | 1,537 |
| Pre-tax net operating income | $-3,173,000 | 8,404 |
| Securities gains (losses) | $184,000 | 472 |
| Applicable income taxes | $-1,187,000 | 8,407 |
| Income before extraordinary items | $-1,802,000 | 8,373 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,802,000 | 8,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $526,000 | 682 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,919,760 | 8,378 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $37,623,000 | 1,122 |
| Total interest expense | $21,311,000 | 933 |
| Net interest income | $16,312,000 | 1,370 |
| Provision for loan and lease losses | $557,000 | 2,177 |
| Total noninterest income | $5,839,000 | 969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,839,000 | 599 |
| Total noninterest expense | $18,967,000 | 983 |
| Salaries and employee benefits | $11,303,000 | 874 |
| Premises and equipment expense | $3,954,000 | 674 |
| Additional noninterest expense | $3,710,000 | 1,498 |
| Pre-tax net operating income | $2,627,000 | 2,715 |
| Securities gains (losses) | $719,000 | 215 |
| Applicable income taxes | $866,000 | 2,040 |
| Income before extraordinary items | $2,480,000 | 2,387 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,480,000 | 2,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $837,000 | 1,173 |
| Cash dividends | $2,000,000 | 1,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,947,940 | 2,867 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $28,146,000 | 1,137 |
| Total interest expense | $16,105,000 | 917 |
| Net interest income | $12,041,000 | 1,404 |
| Provision for loan and lease losses | $65,000 | 4,761 |
| Total noninterest income | $4,592,000 | 929 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,592,000 | 585 |
| Total noninterest expense | $14,092,000 | 985 |
| Salaries and employee benefits | $8,451,000 | 882 |
| Premises and equipment expense | $2,936,000 | 675 |
| Additional noninterest expense | $2,705,000 | 1,500 |
| Pre-tax net operating income | $2,476,000 | 2,457 |
| Securities gains (losses) | $497,000 | 234 |
| Applicable income taxes | $832,000 | 1,856 |
| Income before extraordinary items | $2,141,000 | 2,252 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,141,000 | 2,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,602 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,783,160 | 2,582 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $18,585,000 | 1,161 |
| Total interest expense | $10,673,000 | 931 |
| Net interest income | $7,912,000 | 1,452 |
| Provision for loan and lease losses | $44,000 | 4,563 |
| Total noninterest income | $3,359,000 | 886 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,359,000 | 570 |
| Total noninterest expense | $9,154,000 | 1,028 |
| Salaries and employee benefits | $5,616,000 | 907 |
| Premises and equipment expense | $1,912,000 | 714 |
| Additional noninterest expense | $1,626,000 | 1,667 |
| Pre-tax net operating income | $2,073,000 | 2,091 |
| Securities gains (losses) | $287,000 | 265 |
| Applicable income taxes | $686,000 | 1,682 |
| Income before extraordinary items | $1,674,000 | 2,036 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,674,000 | 2,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,042 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,470,230 | 2,226 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,966,000 | 1,186 |
| Total interest expense | $5,126,000 | 959 |
| Net interest income | $3,840,000 | 1,489 |
| Provision for loan and lease losses | $31,000 | 3,721 |
| Total noninterest income | $2,070,000 | 735 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,070,000 | 481 |
| Total noninterest expense | $4,502,000 | 1,046 |
| Salaries and employee benefits | $2,820,000 | 906 |
| Premises and equipment expense | $960,000 | 704 |
| Additional noninterest expense | $722,000 | 1,854 |
| Pre-tax net operating income | $1,377,000 | 1,660 |
| Securities gains (losses) | $135,000 | 262 |
| Applicable income taxes | $461,000 | 1,363 |
| Income before extraordinary items | $1,051,000 | 1,639 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,051,000 | 1,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,057 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $956,500 | 1,771 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $33,935,000 | 1,163 |
| Total interest expense | $17,392,000 | 965 |
| Net interest income | $16,543,000 | 1,377 |
| Provision for loan and lease losses | $1,673,000 | 654 |
| Total noninterest income | $5,858,000 | 960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,858,000 | 602 |
| Total noninterest expense | $17,215,000 | 1,043 |
| Salaries and employee benefits | $10,514,000 | 916 |
| Premises and equipment expense | $3,556,000 | 723 |
| Additional noninterest expense | $3,145,000 | 1,677 |
| Pre-tax net operating income | $3,513,000 | 2,474 |
| Securities gains (losses) | $610,000 | 229 |
| Applicable income taxes | $1,069,000 | 2,103 |
| Income before extraordinary items | $3,054,000 | 2,245 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,054,000 | 2,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,378,000 | 188 |
| Cash dividends | $4,000,000 | 861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,602,600 | 2,506 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $25,292,000 | 1,179 |
| Total interest expense | $12,575,000 | 972 |
| Net interest income | $12,717,000 | 1,358 |
| Provision for loan and lease losses | $1,270,000 | 619 |
| Total noninterest income | $4,410,000 | 970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,410,000 | 607 |
| Total noninterest expense | $12,734,000 | 1,063 |
| Salaries and employee benefits | $7,782,000 | 935 |
| Premises and equipment expense | $2,664,000 | 737 |
| Additional noninterest expense | $2,288,000 | 1,715 |
| Pre-tax net operating income | $3,123,000 | 2,264 |
| Securities gains (losses) | $444,000 | 228 |
| Applicable income taxes | $956,000 | 1,941 |
| Income before extraordinary items | $2,611,000 | 2,080 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,611,000 | 2,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,499,000 | 186 |
| Cash dividends | $4,000,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,286,880 | 2,307 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,730,000 | 1,164 |
| Total interest expense | $8,086,000 | 959 |
| Net interest income | $8,644,000 | 1,337 |
| Provision for loan and lease losses | $1,170,000 | 441 |
| Total noninterest income | $2,877,000 | 977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,877,000 | 612 |
| Total noninterest expense | $8,474,000 | 1,064 |
| Salaries and employee benefits | $5,143,000 | 949 |
| Premises and equipment expense | $1,804,000 | 731 |
| Additional noninterest expense | $1,527,000 | 1,732 |
| Pre-tax net operating income | $1,877,000 | 2,432 |
| Securities gains (losses) | $259,000 | 229 |
| Applicable income taxes | $538,000 | 2,207 |
| Income before extraordinary items | $1,598,000 | 2,227 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,598,000 | 2,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,156,000 | 167 |
| Cash dividends | $4,000,000 | 448 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,403,750 | 2,455 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,248,000 | 1,151 |
| Total interest expense | $3,918,000 | 932 |
| Net interest income | $4,330,000 | 1,326 |
| Provision for loan and lease losses | $320,000 | 737 |
| Total noninterest income | $1,328,000 | 1,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,328,000 | 652 |
| Total noninterest expense | $4,275,000 | 1,059 |
| Salaries and employee benefits | $2,626,000 | 931 |
| Premises and equipment expense | $912,000 | 713 |
| Additional noninterest expense | $737,000 | 1,778 |
| Pre-tax net operating income | $1,063,000 | 2,172 |
| Securities gains (losses) | $91,000 | 263 |
| Applicable income taxes | $306,000 | 2,001 |
| Income before extraordinary items | $848,000 | 2,077 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $848,000 | 2,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 409 |
| Cash dividends | $4,000,000 | 250 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $781,570 | 2,226 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $30,440,000 | 1,081 |
| Total interest expense | $13,251,000 | 851 |
| Net interest income | $17,189,000 | 1,267 |
| Provision for loan and lease losses | $2,870,000 | 377 |
| Total noninterest income | $5,904,000 | 953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,904,000 | 607 |
| Total noninterest expense | $16,699,000 | 1,022 |
| Salaries and employee benefits | $9,967,000 | 914 |
| Premises and equipment expense | $3,456,000 | 715 |
| Additional noninterest expense | $3,276,000 | 1,560 |
| Pre-tax net operating income | $3,524,000 | 2,442 |
| Securities gains (losses) | $733,000 | 230 |
| Applicable income taxes | $1,110,000 | 2,119 |
| Income before extraordinary items | $3,147,000 | 2,158 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,147,000 | 2,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,223,000 | 359 |
| Cash dividends | $6,000,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,604,580 | 2,484 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $22,474,000 | 1,067 |
| Total interest expense | $9,590,000 | 831 |
| Net interest income | $12,884,000 | 1,254 |
| Provision for loan and lease losses | $2,360,000 | 335 |
| Total noninterest income | $4,499,000 | 944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,499,000 | 605 |
| Total noninterest expense | $12,592,000 | 1,004 |
| Salaries and employee benefits | $7,467,000 | 905 |
| Premises and equipment expense | $2,573,000 | 707 |
| Additional noninterest expense | $2,552,000 | 1,471 |
| Pre-tax net operating income | $2,431,000 | 2,627 |
| Securities gains (losses) | $569,000 | 244 |
| Applicable income taxes | $784,000 | 2,229 |
| Income before extraordinary items | $2,216,000 | 2,297 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,216,000 | 2,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $562,000 | 764 |
| Cash dividends | $4,000,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,794,940 | 2,667 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,896,000 | 1,039 |
| Total interest expense | $6,179,000 | 808 |
| Net interest income | $8,717,000 | 1,213 |
| Provision for loan and lease losses | $2,120,000 | 255 |
| Total noninterest income | $2,977,000 | 936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,977,000 | 599 |
| Total noninterest expense | $8,424,000 | 990 |
| Salaries and employee benefits | $4,971,000 | 895 |
| Premises and equipment expense | $1,694,000 | 704 |
| Additional noninterest expense | $1,759,000 | 1,419 |
| Pre-tax net operating income | $1,150,000 | 3,364 |
| Securities gains (losses) | $335,000 | 304 |
| Applicable income taxes | $310,000 | 3,046 |
| Income before extraordinary items | $1,175,000 | 2,700 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,175,000 | 2,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 832 |
| Cash dividends | $4,000,000 | 396 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $910,350 | 3,280 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,326,000 | 1,032 |
| Total interest expense | $2,934,000 | 818 |
| Net interest income | $4,392,000 | 1,195 |
| Provision for loan and lease losses | $130,000 | 1,632 |
| Total noninterest income | $1,441,000 | 932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,441,000 | 600 |
| Total noninterest expense | $4,433,000 | 943 |
| Salaries and employee benefits | $2,697,000 | 820 |
| Premises and equipment expense | $826,000 | 724 |
| Additional noninterest expense | $910,000 | 1,360 |
| Pre-tax net operating income | $1,270,000 | 1,788 |
| Securities gains (losses) | $122,000 | 337 |
| Applicable income taxes | $433,000 | 1,519 |
| Income before extraordinary items | $959,000 | 1,757 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $959,000 | 1,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 943 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $874,820 | 1,896 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $29,067,000 | 975 |
| Total interest expense | $11,807,000 | 698 |
| Net interest income | $17,260,000 | 1,167 |
| Provision for loan and lease losses | $1,465,000 | 733 |
| Total noninterest income | $9,789,000 | 618 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $9,789,000 | 417 |
| Total noninterest expense | $17,452,000 | 929 |
| Salaries and employee benefits | $10,751,000 | 791 |
| Premises and equipment expense | $3,163,000 | 727 |
| Additional noninterest expense | $3,538,000 | 1,402 |
| Pre-tax net operating income | $8,132,000 | 1,080 |
| Securities gains (losses) | $558,000 | 425 |
| Applicable income taxes | $2,894,000 | 928 |
| Income before extraordinary items | $5,796,000 | 1,124 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,796,000 | 1,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,402,000 | 598 |
| Cash dividends | $2,750,000 | 1,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,422,140 | 1,177 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,051,000 | 945 |
| Total interest expense | $9,018,000 | 667 |
| Net interest income | $13,033,000 | 1,141 |
| Provision for loan and lease losses | $1,360,000 | 578 |
| Total noninterest income | $8,272,000 | 574 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,272,000 | 396 |
| Total noninterest expense | $13,071,000 | 934 |
| Salaries and employee benefits | $8,084,000 | 791 |
| Premises and equipment expense | $2,404,000 | 721 |
| Additional noninterest expense | $2,583,000 | 1,429 |
| Pre-tax net operating income | $6,874,000 | 966 |
| Securities gains (losses) | $374,000 | 513 |
| Applicable income taxes | $2,452,000 | 869 |
| Income before extraordinary items | $4,796,000 | 1,033 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,796,000 | 1,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,199,000 | 500 |
| Cash dividends | $1,500,000 | 1,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,549,160 | 1,043 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,800,000 | 921 |
| Total interest expense | $6,116,000 | 643 |
| Net interest income | $8,684,000 | 1,132 |
| Provision for loan and lease losses | $600,000 | 825 |
| Total noninterest income | $4,200,000 | 704 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,200,000 | 470 |
| Total noninterest expense | $8,695,000 | 931 |
| Salaries and employee benefits | $5,509,000 | 776 |
| Premises and equipment expense | $1,605,000 | 724 |
| Additional noninterest expense | $1,581,000 | 1,529 |
| Pre-tax net operating income | $3,589,000 | 1,195 |
| Securities gains (losses) | $332,000 | 454 |
| Applicable income taxes | $1,301,000 | 1,042 |
| Income before extraordinary items | $2,620,000 | 1,240 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,620,000 | 1,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,146,000 | 381 |
| Cash dividends | $1,500,000 | 882 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,397,560 | 1,303 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,625,000 | 901 |
| Total interest expense | $3,119,000 | 646 |
| Net interest income | $4,506,000 | 1,096 |
| Provision for loan and lease losses | $450,000 | 561 |
| Total noninterest income | $2,445,000 | 625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,445,000 | 416 |
| Total noninterest expense | $4,378,000 | 933 |
| Salaries and employee benefits | $2,743,000 | 790 |
| Premises and equipment expense | $817,000 | 729 |
| Additional noninterest expense | $818,000 | 1,471 |
| Pre-tax net operating income | $2,123,000 | 1,015 |
| Securities gains (losses) | $126,000 | 696 |
| Applicable income taxes | $745,000 | 945 |
| Income before extraordinary items | $1,504,000 | 1,087 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,504,000 | 1,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $665,000 | 352 |
| Cash dividends | $1,500,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,419,580 | 1,089 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $31,948,000 | 882 |
| Total interest expense | $13,950,000 | 638 |
| Net interest income | $17,998,000 | 1,065 |
| Provision for loan and lease losses | $1,125,000 | 1,055 |
| Total noninterest income | $7,933,000 | 784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $7,933,000 | 533 |
| Total noninterest expense | $17,162,000 | 950 |
| Salaries and employee benefits | $10,161,000 | 839 |
| Premises and equipment expense | $3,062,000 | 743 |
| Additional noninterest expense | $3,939,000 | 1,256 |
| Pre-tax net operating income | $7,644,000 | 1,102 |
| Securities gains (losses) | $1,112,000 | 438 |
| Applicable income taxes | $2,878,000 | 958 |
| Income before extraordinary items | $5,878,000 | 1,103 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,878,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $923,000 | 984 |
| Cash dividends | $9,000,000 | 409 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,132,960 | 1,182 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $24,280,000 | 888 |
| Total interest expense | $10,716,000 | 650 |
| Net interest income | $13,564,000 | 1,079 |
| Provision for loan and lease losses | $1,025,000 | 880 |
| Total noninterest income | $6,057,000 | 802 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,057,000 | 559 |
| Total noninterest expense | $12,978,000 | 948 |
| Salaries and employee benefits | $7,598,000 | 852 |
| Premises and equipment expense | $2,301,000 | 758 |
| Additional noninterest expense | $3,079,000 | 1,231 |
| Pre-tax net operating income | $5,618,000 | 1,146 |
| Securities gains (losses) | $1,002,000 | 445 |
| Applicable income taxes | $2,185,000 | 993 |
| Income before extraordinary items | $4,435,000 | 1,132 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,435,000 | 1,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $777,000 | 820 |
| Cash dividends | $7,500,000 | 371 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,763,660 | 1,237 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,378,000 | 896 |
| Total interest expense | $7,355,000 | 656 |
| Net interest income | $9,023,000 | 1,080 |
| Provision for loan and lease losses | $500,000 | 1,144 |
| Total noninterest income | $4,028,000 | 788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,028,000 | 544 |
| Total noninterest expense | $9,026,000 | 904 |
| Salaries and employee benefits | $5,280,000 | 815 |
| Premises and equipment expense | $1,576,000 | 742 |
| Additional noninterest expense | $2,170,000 | 1,158 |
| Pre-tax net operating income | $3,525,000 | 1,216 |
| Securities gains (losses) | $722,000 | 463 |
| Applicable income taxes | $1,381,000 | 1,063 |
| Income before extraordinary items | $2,866,000 | 1,174 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,866,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $545,000 | 807 |
| Cash dividends | $6,000,000 | 291 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,382,260 | 1,292 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,384,000 | 881 |
| Total interest expense | $3,797,000 | 652 |
| Net interest income | $4,587,000 | 1,063 |
| Provision for loan and lease losses | $200,000 | 1,357 |
| Total noninterest income | $2,202,000 | 735 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,202,000 | 508 |
| Total noninterest expense | $4,453,000 | 915 |
| Salaries and employee benefits | $2,576,000 | 833 |
| Premises and equipment expense | $830,000 | 703 |
| Additional noninterest expense | $1,047,000 | 1,166 |
| Pre-tax net operating income | $2,136,000 | 1,024 |
| Securities gains (losses) | $335,000 | 475 |
| Applicable income taxes | $805,000 | 955 |
| Income before extraordinary items | $1,666,000 | 1,010 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,666,000 | 1,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 748 |
| Cash dividends | $1,500,000 | 477 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,441,550 | 1,068 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $37,556,000 | 799 |
| Total interest expense | $19,144,000 | 598 |
| Net interest income | $18,412,000 | 1,047 |
| Provision for loan and lease losses | $3,785,000 | 465 |
| Total noninterest income | $6,714,000 | 818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,714,000 | 566 |
| Total noninterest expense | $16,555,000 | 950 |
| Salaries and employee benefits | $9,894,000 | 815 |
| Premises and equipment expense | $3,003,000 | 738 |
| Additional noninterest expense | $3,658,000 | 1,316 |
| Pre-tax net operating income | $4,786,000 | 1,708 |
| Securities gains (losses) | $1,147,000 | 389 |
| Applicable income taxes | $1,918,000 | 1,330 |
| Income before extraordinary items | $4,015,000 | 1,525 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,015,000 | 1,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,131,000 | 366 |
| Cash dividends | $2,500,000 | 1,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,235,040 | 1,785 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $44,696,000 | 760 |
| Total interest expense | $27,716,000 | 600 |
| Net interest income | $16,980,000 | 1,055 |
| Provision for loan and lease losses | $6,140,000 | 310 |
| Total noninterest income | $6,452,000 | 803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,452,000 | 546 |
| Total noninterest expense | $15,610,000 | 950 |
| Salaries and employee benefits | $8,780,000 | 850 |
| Premises and equipment expense | $2,826,000 | 748 |
| Additional noninterest expense | $4,004,000 | 1,191 |
| Pre-tax net operating income | $1,682,000 | 3,584 |
| Securities gains (losses) | $2,934,000 | 192 |
| Applicable income taxes | $1,710,000 | 1,342 |
| Income before extraordinary items | $2,906,000 | 1,808 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,906,000 | 1,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,712,000 | 324 |
| Cash dividends | $4,832,000 | 637 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,028,240 | 4,099 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $49,904,000 | 727 |
| Total interest expense | $32,718,000 | 587 |
| Net interest income | $17,186,000 | 1,018 |
| Provision for loan and lease losses | $609,000 | 1,588 |
| Total noninterest income | $5,730,000 | 838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,730,000 | 586 |
| Total noninterest expense | $15,872,000 | 894 |
| Salaries and employee benefits | $8,925,000 | 781 |
| Premises and equipment expense | $2,767,000 | 740 |
| Additional noninterest expense | $4,180,000 | 1,111 |
| Pre-tax net operating income | $6,435,000 | 1,159 |
| Securities gains (losses) | $337,000 | 321 |
| Applicable income taxes | $2,359,000 | 1,009 |
| Income before extraordinary items | $4,413,000 | 1,201 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,413,000 | 1,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,208 |
| Cash dividends | $1,962,000 | 1,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,193,950 | 1,247 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $43,696,000 | 775 |
| Total interest expense | $26,779,000 | 621 |
| Net interest income | $16,917,000 | 1,037 |
| Provision for loan and lease losses | $455,000 | 1,897 |
| Total noninterest income | $5,047,000 | 945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $5,047,000 | 647 |
| Total noninterest expense | $15,234,000 | 933 |
| Salaries and employee benefits | $8,527,000 | 815 |
| Premises and equipment expense | $2,647,000 | 772 |
| Additional noninterest expense | $4,060,000 | 1,153 |
| Pre-tax net operating income | $6,275,000 | 1,221 |
| Securities gains (losses) | $437,000 | 372 |
| Applicable income taxes | $2,447,000 | 1,034 |
| Income before extraordinary items | $4,265,000 | 1,268 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,265,000 | 1,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,284 |
| Cash dividends | $3,115,000 | 929 |
| Sale, conversion, retirement of capital stock, net | $19,574,000 | 36 |
| Net operating income | $3,985,320 | 1,335 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $38,201,000 | 878 |
| Total interest expense | $23,546,000 | 700 |
| Net interest income | $14,655,000 | 1,155 |
| Provision for loan and lease losses | $350,000 | 2,310 |
| Total noninterest income | $4,594,000 | 997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $4,594,000 | 692 |
| Total noninterest expense | $12,954,000 | 1,024 |
| Salaries and employee benefits | $7,482,000 | 881 |
| Premises and equipment expense | $2,082,000 | 928 |
| Additional noninterest expense | $3,390,000 | 1,306 |
| Pre-tax net operating income | $5,945,000 | 1,265 |
| Securities gains (losses) | $647,000 | 479 |
| Applicable income taxes | $2,362,000 | 1,067 |
| Income before extraordinary items | $4,230,000 | 1,264 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,230,000 | 1,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 2,429 |
| Cash dividends | $631,000 | 3,031 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 833 |
| Net operating income | $3,815,920 | 1,334 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $33,751,000 | 1,012 |
| Total interest expense | $20,569,000 | 811 |
| Net interest income | $13,182,000 | 1,315 |
| Provision for loan and lease losses | $308,000 | 2,534 |
| Total noninterest income | $2,593,000 | 1,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,593,000 | 930 |
| Total noninterest expense | $10,545,000 | 1,257 |
| Salaries and employee benefits | $6,023,000 | 1,090 |
| Premises and equipment expense | $1,665,000 | 1,197 |
| Additional noninterest expense | $2,857,000 | 1,504 |
| Pre-tax net operating income | $4,922,000 | 1,569 |
| Securities gains (losses) | $352,000 | 518 |
| Applicable income taxes | $1,891,000 | 1,393 |
| Income before extraordinary items | $3,383,000 | 1,599 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,383,000 | 1,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,913 |
| Cash dividends | $626,000 | 2,992 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 851 |
| Net operating income | $3,157,720 | 1,657 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $31,985,000 | 1,086 |
| Total interest expense | $19,645,000 | 856 |
| Net interest income | $12,340,000 | 1,458 |
| Provision for loan and lease losses | $230,000 | 3,114 |
| Total noninterest income | $2,414,000 | 1,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,414,000 | 1,024 |
| Total noninterest expense | $12,164,000 | 1,193 |
| Salaries and employee benefits | $5,426,000 | 1,229 |
| Premises and equipment expense | $1,599,000 | 1,277 |
| Additional noninterest expense | $5,139,000 | 1,111 |
| Pre-tax net operating income | $2,360,000 | 2,953 |
| Securities gains (losses) | $287,000 | 565 |
| Applicable income taxes | $844,000 | 2,717 |
| Income before extraordinary items | $1,803,000 | 2,702 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,803,000 | 2,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,990 |
| Cash dividends | $579,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 719 |
| Net operating income | $1,607,840 | 2,957 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $30,708,000 | 1,140 |
| Total interest expense | $19,649,000 | 896 |
| Net interest income | $11,059,000 | 1,627 |
| Provision for loan and lease losses | $180,000 | 3,223 |
| Total noninterest income | $1,604,000 | 2,177 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,604,000 | 1,324 |
| Total noninterest expense | $8,954,000 | 1,587 |
| Salaries and employee benefits | $4,658,000 | 1,423 |
| Premises and equipment expense | $1,432,000 | 1,438 |
| Additional noninterest expense | $2,864,000 | 1,767 |
| Pre-tax net operating income | $3,529,000 | 2,082 |
| Securities gains (losses) | $366,000 | 440 |
| Applicable income taxes | $1,287,000 | 1,894 |
| Income before extraordinary items | $2,608,000 | 1,917 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,608,000 | 1,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,645 |
| Cash dividends | $652,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,362,780 | 2,106 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $26,759,000 | 1,169 |
| Total interest expense | $15,447,000 | 882 |
| Net interest income | $11,312,000 | 1,601 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $2,453,000 | 1,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,453,000 | 1,001 |
| Total noninterest expense | $8,539,000 | 1,711 |
| Salaries and employee benefits | $4,253,000 | 1,571 |
| Premises and equipment expense | $1,582,000 | 1,322 |
| Additional noninterest expense | $2,704,000 | 2,003 |
| Pre-tax net operating income | $5,066,000 | 1,455 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $1,249,000 | 1,825 |
| Income before extraordinary items | $3,827,000 | 1,315 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,827,000 | 1,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,942 |
| Cash dividends | $975,000 | 1,976 |
| Sale, conversion, retirement of capital stock, net | $220,000 | 673 |
| Net operating income | $3,819,500 | 1,330 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $28,287,000 | 1,128 |
| Total interest expense | $17,013,000 | 828 |
| Net interest income | $11,274,000 | 1,601 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,549,000 | 2,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,549,000 | 1,518 |
| Total noninterest expense | $8,422,000 | 1,781 |
| Salaries and employee benefits | $4,017,000 | 1,681 |
| Premises and equipment expense | $1,590,000 | 1,340 |
| Additional noninterest expense | $2,815,000 | 2,011 |
| Pre-tax net operating income | $4,401,000 | 1,584 |
| Securities gains (losses) | $437,000 | 990 |
| Applicable income taxes | $1,761,000 | 1,359 |
| Income before extraordinary items | $3,077,000 | 1,646 |
| Extraordinary gains, net | $801,000 | 277 |
| Net income | $3,878,000 | 1,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 7,896 |
| Cash dividends | $800,000 | 2,140 |
| Sale, conversion, retirement of capital stock, net | $256,000 | 733 |
| Net operating income | $2,797,320 | 1,684 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $31,897,000 | 1,149 |
| Total interest expense | $20,488,000 | 895 |
| Net interest income | $11,409,000 | 1,622 |
| Provision for loan and lease losses | $568,000 | 2,735 |
| Total noninterest income | $1,774,000 | 2,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,774,000 | 1,351 |
| Total noninterest expense | $8,835,000 | 1,716 |
| Salaries and employee benefits | $3,721,000 | 1,787 |
| Premises and equipment expense | $1,541,000 | 1,408 |
| Additional noninterest expense | $3,573,000 | 1,727 |
| Pre-tax net operating income | $3,780,000 | 1,647 |
| Securities gains (losses) | $290,000 | 1,565 |
| Applicable income taxes | $1,550,000 | 1,415 |
| Income before extraordinary items | $2,520,000 | 1,800 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,520,000 | 1,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 12,871 |
| Cash dividends | $103,000 | 6,504 |
| Sale, conversion, retirement of capital stock, net | $5,933,000 | 150 |
| Net operating income | $2,334,400 | 1,809 |
* 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.