Home > Venture Bank > Income and Expense
Venture Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $25,390,000 | 666 |
| Total interest expense | $14,651,000 | 436 |
| Net interest income | $10,739,000 | 1,015 |
| Provision for loan and lease losses | $21,822,000 | 270 |
| Total noninterest income | $6,036,000 | 583 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,859,000 | 445 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $4,177,000 | 501 |
| Total noninterest expense | $21,144,000 | 525 |
| Salaries and employee benefits | $6,483,000 | 777 |
| Premises and equipment expense | $2,651,000 | 520 |
| Additional noninterest expense | $12,010,000 | 384 |
| Pre-tax net operating income | $-26,191,000 | 8,045 |
| Securities gains (losses) | $3,456,000 | 119 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-22,735,000 | 8,048 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-22,735,000 | 8,048 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-22,735,000 | 8,048 |
| Net charge-offs | $8,160,000 | 430 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 922 |
| Net operating income | $-26,191,000 | 8,057 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $13,914,000 | 629 |
| Total interest expense | $7,722,000 | 436 |
| Net interest income | $6,192,000 | 869 |
| Provision for loan and lease losses | $21,297,000 | 156 |
| Total noninterest income | $3,738,000 | 459 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $916,000 | 441 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $2,822,000 | 387 |
| Total noninterest expense | $8,810,000 | 576 |
| Salaries and employee benefits | $3,592,000 | 695 |
| Premises and equipment expense | $1,433,000 | 485 |
| Additional noninterest expense | $3,785,000 | 460 |
| Pre-tax net operating income | $-20,177,000 | 8,149 |
| Securities gains (losses) | $3,448,000 | 81 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-16,729,000 | 8,148 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-16,729,000 | 8,148 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-16,729,000 | 8,148 |
| Net charge-offs | $7,797,000 | 237 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 783 |
| Net operating income | $-20,177,000 | 8,157 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $72,725,000 | 520 |
| Total interest expense | $31,456,000 | 508 |
| Net interest income | $41,269,000 | 531 |
| Provision for loan and lease losses | $23,603,000 | 330 |
| Total noninterest income | $12,686,000 | 494 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,225,000 | 411 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $8,461,000 | 431 |
| Total noninterest expense | $123,054,000 | 213 |
| Salaries and employee benefits | $15,822,000 | 614 |
| Premises and equipment expense | $5,727,000 | 475 |
| Additional noninterest expense | $101,505,000 | 138 |
| Pre-tax net operating income | $-92,702,000 | 8,235 |
| Securities gains (losses) | $-1,230,000 | 7,786 |
| Applicable income taxes | $-9,432,000 | 8,184 |
| Income before extraordinary items | $-84,500,000 | 8,222 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-84,500,000 | 8,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,219,000 | 440 |
| Cash dividends | $2,100,000 | 1,284 |
| Sale, conversion, retirement of capital stock, net | $-101,000 | 8,232 |
| Net operating income | $-83,393,000 | 8,228 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $55,961,000 | 522 |
| Total interest expense | $22,942,000 | 548 |
| Net interest income | $33,019,000 | 510 |
| Provision for loan and lease losses | $15,278,000 | 293 |
| Total noninterest income | $9,112,000 | 538 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $3,204,000 | 415 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $5,908,000 | 491 |
| Total noninterest expense | $63,736,000 | 268 |
| Salaries and employee benefits | $12,353,000 | 603 |
| Premises and equipment expense | $4,142,000 | 505 |
| Additional noninterest expense | $47,241,000 | 171 |
| Pre-tax net operating income | $-36,883,000 | 8,320 |
| Securities gains (losses) | $290,000 | 477 |
| Applicable income taxes | $-13,414,000 | 8,320 |
| Income before extraordinary items | $-23,179,000 | 8,286 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-23,179,000 | 8,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,964,000 | 353 |
| Cash dividends | $2,100,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $-108,000 | 8,329 |
| Net operating income | $-23,364,600 | 8,300 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $38,434,000 | 517 |
| Total interest expense | $15,917,000 | 544 |
| Net interest income | $22,517,000 | 501 |
| Provision for loan and lease losses | $4,900,000 | 443 |
| Total noninterest income | $6,073,000 | 561 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $2,103,000 | 409 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $3,970,000 | 504 |
| Total noninterest expense | $17,066,000 | 576 |
| Salaries and employee benefits | $9,648,000 | 513 |
| Premises and equipment expense | $2,749,000 | 504 |
| Additional noninterest expense | $4,669,000 | 664 |
| Pre-tax net operating income | $6,624,000 | 544 |
| Securities gains (losses) | $779,000 | 211 |
| Applicable income taxes | $2,263,000 | 477 |
| Income before extraordinary items | $5,140,000 | 542 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,140,000 | 541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,489,000 | 487 |
| Cash dividends | $1,100,000 | 1,301 |
| Sale, conversion, retirement of capital stock, net | $199,000 | 413 |
| Net operating income | $4,602,490 | 580 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $19,553,000 | 525 |
| Total interest expense | $8,760,000 | 540 |
| Net interest income | $10,793,000 | 511 |
| Provision for loan and lease losses | $1,525,000 | 468 |
| Total noninterest income | $3,081,000 | 561 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $1,041,000 | 409 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $2,040,000 | 501 |
| Total noninterest expense | $8,423,000 | 575 |
| Salaries and employee benefits | $4,903,000 | 513 |
| Premises and equipment expense | $1,332,000 | 522 |
| Additional noninterest expense | $2,188,000 | 668 |
| Pre-tax net operating income | $3,926,000 | 498 |
| Securities gains (losses) | $696,000 | 188 |
| Applicable income taxes | $1,480,000 | 426 |
| Income before extraordinary items | $3,142,000 | 477 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,142,000 | 478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,479 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 380 |
| Net operating income | $2,668,720 | 543 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $80,037,000 | 538 |
| Total interest expense | $38,117,000 | 527 |
| Net interest income | $41,920,000 | 545 |
| Provision for loan and lease losses | $3,600,000 | 547 |
| Total noninterest income | $9,346,000 | 643 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $4,061,000 | 426 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,285,000 | 652 |
| Total noninterest expense | $30,651,000 | 610 |
| Salaries and employee benefits | $17,063,000 | 567 |
| Premises and equipment expense | $4,826,000 | 549 |
| Additional noninterest expense | $8,762,000 | 659 |
| Pre-tax net operating income | $17,015,000 | 525 |
| Securities gains (losses) | $703,000 | 221 |
| Applicable income taxes | $5,118,000 | 534 |
| Income before extraordinary items | $12,600,000 | 521 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $12,600,000 | 518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,542,000 | 741 |
| Cash dividends | $4,400,000 | 834 |
| Sale, conversion, retirement of capital stock, net | $585,000 | 505 |
| Net operating income | $12,100,870 | 535 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $58,915,000 | 546 |
| Total interest expense | $27,989,000 | 541 |
| Net interest income | $30,926,000 | 550 |
| Provision for loan and lease losses | $1,125,000 | 817 |
| Total noninterest income | $6,735,000 | 668 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,995,000 | 427 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,740,000 | 689 |
| Total noninterest expense | $21,954,000 | 628 |
| Salaries and employee benefits | $12,162,000 | 593 |
| Premises and equipment expense | $3,545,000 | 552 |
| Additional noninterest expense | $6,247,000 | 663 |
| Pre-tax net operating income | $14,582,000 | 512 |
| Securities gains (losses) | $139,000 | 427 |
| Applicable income taxes | $4,417,000 | 513 |
| Income before extraordinary items | $10,304,000 | 524 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $10,304,000 | 522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $626,000 | 906 |
| Cash dividends | $3,200,000 | 822 |
| Sale, conversion, retirement of capital stock, net | $337,000 | 482 |
| Net operating income | $10,206,700 | 525 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $38,110,000 | 572 |
| Total interest expense | $17,837,000 | 573 |
| Net interest income | $20,273,000 | 577 |
| Provision for loan and lease losses | $750,000 | 740 |
| Total noninterest income | $4,493,000 | 689 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,955,000 | 443 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,538,000 | 693 |
| Total noninterest expense | $14,184,000 | 661 |
| Salaries and employee benefits | $7,744,000 | 638 |
| Premises and equipment expense | $2,292,000 | 585 |
| Additional noninterest expense | $4,148,000 | 680 |
| Pre-tax net operating income | $9,832,000 | 539 |
| Securities gains (losses) | $139,000 | 361 |
| Applicable income taxes | $2,970,000 | 534 |
| Income before extraordinary items | $7,001,000 | 548 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,001,000 | 547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $600,000 | 634 |
| Cash dividends | $2,000,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 478 |
| Net operating income | $6,903,700 | 542 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $18,419,000 | 578 |
| Total interest expense | $8,428,000 | 597 |
| Net interest income | $9,991,000 | 584 |
| Provision for loan and lease losses | $375,000 | 658 |
| Total noninterest income | $2,199,000 | 698 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $946,000 | 440 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,253,000 | 688 |
| Total noninterest expense | $7,017,000 | 670 |
| Salaries and employee benefits | $4,043,000 | 615 |
| Premises and equipment expense | $1,008,000 | 671 |
| Additional noninterest expense | $1,966,000 | 707 |
| Pre-tax net operating income | $4,798,000 | 536 |
| Securities gains (losses) | $278,000 | 172 |
| Applicable income taxes | $1,597,000 | 520 |
| Income before extraordinary items | $3,479,000 | 548 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,479,000 | 547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 1,813 |
| Cash dividends | $1,000,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 426 |
| Net operating income | $3,287,180 | 556 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $64,616,000 | 615 |
| Total interest expense | $26,771,000 | 642 |
| Net interest income | $37,845,000 | 602 |
| Provision for loan and lease losses | $1,075,000 | 987 |
| Total noninterest income | $8,604,000 | 693 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,953,000 | 434 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,651,000 | 712 |
| Total noninterest expense | $26,439,000 | 675 |
| Salaries and employee benefits | $14,879,000 | 630 |
| Premises and equipment expense | $4,072,000 | 634 |
| Additional noninterest expense | $7,488,000 | 721 |
| Pre-tax net operating income | $18,935,000 | 565 |
| Securities gains (losses) | $52,000 | 675 |
| Applicable income taxes | $6,429,000 | 529 |
| Income before extraordinary items | $12,558,000 | 603 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $12,558,000 | 602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $592,000 | 1,034 |
| Cash dividends | $3,600,000 | 946 |
| Sale, conversion, retirement of capital stock, net | $252,000 | 712 |
| Net operating income | $12,523,680 | 596 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $46,290,000 | 644 |
| Total interest expense | $18,707,000 | 668 |
| Net interest income | $27,583,000 | 630 |
| Provision for loan and lease losses | $700,000 | 1,050 |
| Total noninterest income | $6,455,000 | 705 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,969,000 | 438 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,486,000 | 720 |
| Total noninterest expense | $19,677,000 | 685 |
| Salaries and employee benefits | $11,082,000 | 648 |
| Premises and equipment expense | $3,081,000 | 636 |
| Additional noninterest expense | $5,514,000 | 740 |
| Pre-tax net operating income | $13,661,000 | 604 |
| Securities gains (losses) | $32,000 | 658 |
| Applicable income taxes | $4,595,000 | 574 |
| Income before extraordinary items | $9,098,000 | 647 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $9,098,000 | 646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $579,000 | 722 |
| Cash dividends | $2,500,000 | 955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $9,076,880 | 639 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $28,415,000 | 676 |
| Total interest expense | $11,202,000 | 701 |
| Net interest income | $17,213,000 | 666 |
| Provision for loan and lease losses | $300,000 | 1,464 |
| Total noninterest income | $4,223,000 | 715 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,979,000 | 434 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,244,000 | 744 |
| Total noninterest expense | $12,550,000 | 722 |
| Salaries and employee benefits | $6,808,000 | 699 |
| Premises and equipment expense | $2,092,000 | 623 |
| Additional noninterest expense | $3,650,000 | 747 |
| Pre-tax net operating income | $8,586,000 | 634 |
| Securities gains (losses) | $27,000 | 551 |
| Applicable income taxes | $2,995,000 | 595 |
| Income before extraordinary items | $5,618,000 | 702 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,618,000 | 701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $624,000 | 486 |
| Cash dividends | $1,200,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,600,450 | 689 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,926,000 | 714 |
| Total interest expense | $4,649,000 | 784 |
| Net interest income | $8,277,000 | 686 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $1,967,000 | 749 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $940,000 | 440 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,027,000 | 788 |
| Total noninterest expense | $6,057,000 | 738 |
| Salaries and employee benefits | $3,387,000 | 700 |
| Premises and equipment expense | $1,067,000 | 604 |
| Additional noninterest expense | $1,603,000 | 832 |
| Pre-tax net operating income | $4,037,000 | 659 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,400,000 | 615 |
| Income before extraordinary items | $2,637,000 | 731 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,637,000 | 730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-121,000 | 8,675 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,637,000 | 714 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $41,337,000 | 778 |
| Total interest expense | $11,376,000 | 981 |
| Net interest income | $29,961,000 | 703 |
| Provision for loan and lease losses | $753,000 | 1,332 |
| Total noninterest income | $8,210,000 | 715 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,569,000 | 477 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,641,000 | 718 |
| Total noninterest expense | $22,667,000 | 762 |
| Salaries and employee benefits | $12,078,000 | 741 |
| Premises and equipment expense | $3,754,000 | 660 |
| Additional noninterest expense | $6,835,000 | 773 |
| Pre-tax net operating income | $14,751,000 | 680 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,621,000 | 686 |
| Income before extraordinary items | $10,130,000 | 715 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $10,130,000 | 717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 1,015 |
| Cash dividends | $15,500,000 | 289 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $10,130,000 | 704 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $28,665,000 | 830 |
| Total interest expense | $7,500,000 | 1,058 |
| Net interest income | $21,165,000 | 732 |
| Provision for loan and lease losses | $714,000 | 1,049 |
| Total noninterest income | $6,233,000 | 713 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,563,000 | 501 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,670,000 | 697 |
| Total noninterest expense | $16,441,000 | 770 |
| Salaries and employee benefits | $9,124,000 | 731 |
| Premises and equipment expense | $2,689,000 | 682 |
| Additional noninterest expense | $4,628,000 | 830 |
| Pre-tax net operating income | $10,243,000 | 722 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,088,000 | 764 |
| Income before extraordinary items | $7,155,000 | 753 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,155,000 | 754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 828 |
| Cash dividends | $14,000,000 | 235 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $7,155,000 | 735 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $18,257,000 | 840 |
| Total interest expense | $4,437,000 | 1,119 |
| Net interest income | $13,820,000 | 742 |
| Provision for loan and lease losses | $553,000 | 894 |
| Total noninterest income | $4,053,000 | 715 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,594,000 | 519 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,459,000 | 688 |
| Total noninterest expense | $10,638,000 | 784 |
| Salaries and employee benefits | $5,881,000 | 755 |
| Premises and equipment expense | $1,745,000 | 688 |
| Additional noninterest expense | $3,012,000 | 843 |
| Pre-tax net operating income | $6,682,000 | 730 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,088,000 | 740 |
| Income before extraordinary items | $4,594,000 | 770 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,594,000 | 770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 505 |
| Cash dividends | $2,000,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,594,000 | 752 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,775,000 | 862 |
| Total interest expense | $2,011,000 | 1,173 |
| Net interest income | $6,764,000 | 758 |
| Provision for loan and lease losses | $215,000 | 1,072 |
| Total noninterest income | $2,050,000 | 696 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $735,000 | 540 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,315,000 | 649 |
| Total noninterest expense | $5,294,000 | 781 |
| Salaries and employee benefits | $2,970,000 | 749 |
| Premises and equipment expense | $887,000 | 681 |
| Additional noninterest expense | $1,437,000 | 869 |
| Pre-tax net operating income | $3,305,000 | 735 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,034,000 | 747 |
| Income before extraordinary items | $2,271,000 | 772 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,271,000 | 773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 613 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,271,000 | 752 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $31,797,000 | 874 |
| Total interest expense | $5,670,000 | 1,449 |
| Net interest income | $26,127,000 | 748 |
| Provision for loan and lease losses | $227,000 | 3,484 |
| Total noninterest income | $13,278,000 | 501 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,803,000 | 469 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $9,475,000 | 430 |
| Total noninterest expense | $20,550,000 | 785 |
| Salaries and employee benefits | $10,665,000 | 801 |
| Premises and equipment expense | $3,461,000 | 672 |
| Additional noninterest expense | $6,424,000 | 788 |
| Pre-tax net operating income | $18,628,000 | 520 |
| Securities gains (losses) | $-21,000 | 8,397 |
| Applicable income taxes | $5,984,000 | 530 |
| Income before extraordinary items | $12,623,000 | 557 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $12,623,000 | 558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $626,000 | 1,115 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $12,637,280 | 535 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $23,260,000 | 890 |
| Total interest expense | $3,922,000 | 1,544 |
| Net interest income | $19,338,000 | 748 |
| Provision for loan and lease losses | $557,000 | 1,317 |
| Total noninterest income | $5,911,000 | 741 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,007,000 | 448 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,904,000 | 821 |
| Total noninterest expense | $15,224,000 | 782 |
| Salaries and employee benefits | $8,614,000 | 737 |
| Premises and equipment expense | $2,603,000 | 671 |
| Additional noninterest expense | $4,007,000 | 928 |
| Pre-tax net operating income | $9,468,000 | 718 |
| Securities gains (losses) | $-21,000 | 8,653 |
| Applicable income taxes | $2,838,000 | 759 |
| Income before extraordinary items | $6,609,000 | 762 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,609,000 | 763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $792,000 | 680 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,623,700 | 729 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $15,108,000 | 901 |
| Total interest expense | $2,550,000 | 1,557 |
| Net interest income | $12,558,000 | 765 |
| Provision for loan and lease losses | $275,000 | 1,692 |
| Total noninterest income | $3,805,000 | 763 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,954,000 | 455 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,851,000 | 852 |
| Total noninterest expense | $9,928,000 | 812 |
| Salaries and employee benefits | $5,587,000 | 761 |
| Premises and equipment expense | $1,718,000 | 675 |
| Additional noninterest expense | $2,623,000 | 945 |
| Pre-tax net operating income | $6,160,000 | 729 |
| Securities gains (losses) | $-21,000 | 8,802 |
| Applicable income taxes | $1,962,000 | 732 |
| Income before extraordinary items | $4,177,000 | 787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,177,000 | 787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 931 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,191,280 | 749 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,552,000 | 907 |
| Total interest expense | $1,266,000 | 1,588 |
| Net interest income | $6,286,000 | 775 |
| Provision for loan and lease losses | $132,000 | 1,698 |
| Total noninterest income | $1,796,000 | 776 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $889,000 | 496 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $907,000 | 848 |
| Total noninterest expense | $4,887,000 | 831 |
| Salaries and employee benefits | $2,874,000 | 746 |
| Premises and equipment expense | $855,000 | 692 |
| Additional noninterest expense | $1,158,000 | 1,058 |
| Pre-tax net operating income | $3,063,000 | 729 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $983,000 | 743 |
| Income before extraordinary items | $2,080,000 | 802 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,080,000 | 801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 469 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,080,000 | 755 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $31,329,000 | 896 |
| Total interest expense | $5,284,000 | 1,702 |
| Net interest income | $26,045,000 | 724 |
| Provision for loan and lease losses | $2,329,000 | 579 |
| Total noninterest income | $12,184,000 | 560 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,668,000 | 465 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,516,000 | 505 |
| Total noninterest expense | $21,688,000 | 748 |
| Salaries and employee benefits | $12,007,000 | 710 |
| Premises and equipment expense | $3,374,000 | 683 |
| Additional noninterest expense | $6,307,000 | 816 |
| Pre-tax net operating income | $14,212,000 | 628 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $4,552,000 | 669 |
| Income before extraordinary items | $9,660,000 | 674 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,660,000 | 676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,851,000 | 422 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $9,660,000 | 631 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $23,899,000 | 902 |
| Total interest expense | $3,991,000 | 1,758 |
| Net interest income | $19,908,000 | 719 |
| Provision for loan and lease losses | $1,853,000 | 550 |
| Total noninterest income | $9,818,000 | 566 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,787,000 | 464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,031,000 | 503 |
| Total noninterest expense | $16,751,000 | 742 |
| Salaries and employee benefits | $9,398,000 | 698 |
| Premises and equipment expense | $2,531,000 | 692 |
| Additional noninterest expense | $4,822,000 | 803 |
| Pre-tax net operating income | $11,122,000 | 624 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $3,582,000 | 673 |
| Income before extraordinary items | $7,540,000 | 683 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,540,000 | 684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,013,000 | 443 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,540,000 | 636 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,398,000 | 894 |
| Total interest expense | $2,713,000 | 1,779 |
| Net interest income | $13,685,000 | 696 |
| Provision for loan and lease losses | $1,199,000 | 572 |
| Total noninterest income | $4,663,000 | 705 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,855,000 | 461 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,808,000 | 709 |
| Total noninterest expense | $11,135,000 | 740 |
| Salaries and employee benefits | $6,200,000 | 704 |
| Premises and equipment expense | $1,718,000 | 679 |
| Additional noninterest expense | $3,217,000 | 809 |
| Pre-tax net operating income | $6,014,000 | 752 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,929,000 | 794 |
| Income before extraordinary items | $4,085,000 | 826 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,085,000 | 827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $968,000 | 539 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,085,000 | 767 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,234,000 | 901 |
| Total interest expense | $1,411,000 | 1,762 |
| Net interest income | $6,823,000 | 701 |
| Provision for loan and lease losses | $577,000 | 572 |
| Total noninterest income | $2,566,000 | 658 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $920,000 | 456 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,646,000 | 619 |
| Total noninterest expense | $5,906,000 | 700 |
| Salaries and employee benefits | $3,135,000 | 692 |
| Premises and equipment expense | $803,000 | 735 |
| Additional noninterest expense | $1,968,000 | 662 |
| Pre-tax net operating income | $2,906,000 | 779 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $990,000 | 802 |
| Income before extraordinary items | $1,916,000 | 874 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,916,000 | 873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 680 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,916,000 | 804 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $29,967,000 | 1,026 |
| Total interest expense | $6,143,000 | 1,860 |
| Net interest income | $23,824,000 | 799 |
| Provision for loan and lease losses | $2,343,000 | 657 |
| Total noninterest income | $7,865,000 | 738 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,132,000 | 523 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,733,000 | 718 |
| Total noninterest expense | $19,699,000 | 802 |
| Salaries and employee benefits | $10,237,000 | 788 |
| Premises and equipment expense | $2,641,000 | 826 |
| Additional noninterest expense | $6,821,000 | 747 |
| Pre-tax net operating income | $9,647,000 | 899 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,883,000 | 960 |
| Income before extraordinary items | $6,764,000 | 922 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,764,000 | 921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,352,000 | 514 |
| Cash dividends | $1,220,000 | 1,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,764,000 | 884 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $29,787,000 | 1,140 |
| Total interest expense | $10,329,000 | 1,576 |
| Net interest income | $19,458,000 | 909 |
| Provision for loan and lease losses | $1,716,000 | 797 |
| Total noninterest income | $6,522,000 | 796 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,462,000 | 616 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,060,000 | 764 |
| Total noninterest expense | $17,791,000 | 849 |
| Salaries and employee benefits | $9,000,000 | 819 |
| Premises and equipment expense | $2,429,000 | 863 |
| Additional noninterest expense | $6,362,000 | 786 |
| Pre-tax net operating income | $6,473,000 | 1,152 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,926,000 | 1,218 |
| Income before extraordinary items | $4,547,000 | 1,194 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,547,000 | 1,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,131,000 | 859 |
| Cash dividends | $695,000 | 2,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,547,000 | 1,148 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $26,961,000 | 1,310 |
| Total interest expense | $10,293,000 | 1,669 |
| Net interest income | $16,668,000 | 1,055 |
| Provision for loan and lease losses | $-50,000 | 9,760 |
| Total noninterest income | $4,975,000 | 935 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,922,000 | 709 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,053,000 | 850 |
| Total noninterest expense | $15,019,000 | 946 |
| Salaries and employee benefits | $8,055,000 | 865 |
| Premises and equipment expense | $2,186,000 | 913 |
| Additional noninterest expense | $4,778,000 | 983 |
| Pre-tax net operating income | $6,674,000 | 1,123 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,186,000 | 1,072 |
| Income before extraordinary items | $4,488,000 | 1,182 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,488,000 | 1,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,272,000 | 447 |
| Cash dividends | $1,946,000 | 1,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,488,000 | 1,181 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,505,000 | 1,448 |
| Total interest expense | $7,349,000 | 2,027 |
| Net interest income | $15,156,000 | 1,164 |
| Provision for loan and lease losses | $3,730,000 | 363 |
| Total noninterest income | $4,679,000 | 992 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,949,000 | 679 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,730,000 | 952 |
| Total noninterest expense | $14,055,000 | 991 |
| Salaries and employee benefits | $7,946,000 | 862 |
| Premises and equipment expense | $2,202,000 | 906 |
| Additional noninterest expense | $3,907,000 | 1,185 |
| Pre-tax net operating income | $2,050,000 | 3,280 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $547,000 | 3,440 |
| Income before extraordinary items | $1,503,000 | 3,236 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,503,000 | 3,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,435 |
| Cash dividends | $1,215,000 | 1,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,503,000 | 3,202 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,361,000 | 1,383 |
| Total interest expense | $8,486,000 | 1,801 |
| Net interest income | $14,875,000 | 1,136 |
| Provision for loan and lease losses | $425,000 | 1,959 |
| Total noninterest income | $5,074,000 | 932 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,932,000 | 634 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,142,000 | 877 |
| Total noninterest expense | $14,534,000 | 944 |
| Salaries and employee benefits | $7,428,000 | 886 |
| Premises and equipment expense | $2,029,000 | 948 |
| Additional noninterest expense | $5,077,000 | 941 |
| Pre-tax net operating income | $4,990,000 | 1,482 |
| Securities gains (losses) | $-26,000 | 10,319 |
| Applicable income taxes | $1,038,000 | 2,244 |
| Income before extraordinary items | $3,926,000 | 1,354 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,926,000 | 1,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,070 |
| Cash dividends | $350,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,946,540 | 1,290 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,117,000 | 1,558 |
| Total interest expense | $7,956,000 | 1,939 |
| Net interest income | $13,161,000 | 1,317 |
| Provision for loan and lease losses | $1,015,000 | 978 |
| Total noninterest income | $4,307,000 | 1,022 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,610,000 | 790 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,697,000 | 908 |
| Total noninterest expense | $14,891,000 | 941 |
| Salaries and employee benefits | $7,245,000 | 918 |
| Premises and equipment expense | $1,841,000 | 1,075 |
| Additional noninterest expense | $5,805,000 | 866 |
| Pre-tax net operating income | $1,562,000 | 4,336 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $131,000 | 7,903 |
| Income before extraordinary items | $1,431,000 | 3,489 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,431,000 | 3,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $782,000 | 931 |
| Cash dividends | $2,900,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,431,000 | 3,413 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,145,000 | 2,228 |
| Total interest expense | $5,650,000 | 2,687 |
| Net interest income | $9,495,000 | 1,877 |
| Provision for loan and lease losses | $261,000 | 2,866 |
| Total noninterest income | $2,100,000 | 1,766 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,105,000 | 1,205 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $995,000 | 1,828 |
| Total noninterest expense | $8,762,000 | 1,615 |
| Salaries and employee benefits | $4,359,000 | 1,528 |
| Premises and equipment expense | $1,227,000 | 1,656 |
| Additional noninterest expense | $3,176,000 | 1,638 |
| Pre-tax net operating income | $2,572,000 | 2,708 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $720,000 | 3,117 |
| Income before extraordinary items | $1,852,000 | 2,624 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,852,000 | 2,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,548 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,852,000 | 2,582 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,167,000 | 2,221 |
| Total interest expense | $5,537,000 | 2,767 |
| Net interest income | $9,630,000 | 1,851 |
| Provision for loan and lease losses | $236,000 | 2,722 |
| Total noninterest income | $1,912,000 | 1,914 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,006,000 | 1,343 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $906,000 | 1,935 |
| Total noninterest expense | $9,940,000 | 1,429 |
| Salaries and employee benefits | $5,335,000 | 1,252 |
| Premises and equipment expense | $1,270,000 | 1,598 |
| Additional noninterest expense | $3,335,000 | 1,555 |
| Pre-tax net operating income | $1,366,000 | 4,788 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $374,000 | 5,178 |
| Income before extraordinary items | $992,000 | 4,658 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $992,000 | 4,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,566 |
| Cash dividends | $56,000 | 7,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $992,000 | 4,630 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,150,000 | 4,756 |
| Total interest expense | $1,671,000 | 6,416 |
| Net interest income | $4,479,000 | 3,935 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $1,429,000 | 2,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $552,000 | 2,472 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $877,000 | 2,006 |
| Total noninterest expense | $4,610,000 | 2,988 |
| Salaries and employee benefits | $2,022,000 | 3,249 |
| Premises and equipment expense | $800,000 | 2,527 |
| Additional noninterest expense | $1,788,000 | 2,849 |
| Pre-tax net operating income | $1,178,000 | 5,303 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $377,000 | 4,980 |
| Income before extraordinary items | $801,000 | 5,368 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $801,000 | 5,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,717 |
| Cash dividends | $184,000 | 5,684 |
| Sale, conversion, retirement of capital stock, net | $425,000 | 572 |
| Net operating income | $801,000 | 5,428 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,202,000 | 5,584 |
| Total interest expense | $1,343,000 | 7,729 |
| Net interest income | $3,859,000 | 4,546 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $2,133,000 | 1,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $615,000 | 2,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,518,000 | 1,540 |
| Total noninterest expense | $4,119,000 | 3,392 |
| Salaries and employee benefits | $1,995,000 | 3,293 |
| Premises and equipment expense | $623,000 | 3,208 |
| Additional noninterest expense | $1,501,000 | 3,503 |
| Pre-tax net operating income | $1,813,000 | 3,654 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $541,000 | 3,918 |
| Income before extraordinary items | $1,272,000 | 3,793 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,272,000 | 3,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 6,126 |
| Cash dividends | $108,000 | 6,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,272,000 | 3,596 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,534,000 | 6,859 |
| Total interest expense | $1,516,000 | 8,463 |
| Net interest income | $3,018,000 | 5,684 |
| Provision for loan and lease losses | $267,000 | 4,437 |
| Total noninterest income | $2,204,000 | 1,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $588,000 | 2,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,616,000 | 1,440 |
| Total noninterest expense | $3,914,000 | 3,578 |
| Salaries and employee benefits | $1,950,000 | 3,278 |
| Premises and equipment expense | $601,000 | 3,352 |
| Additional noninterest expense | $1,363,000 | 3,890 |
| Pre-tax net operating income | $1,041,000 | 5,469 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $321,000 | 5,677 |
| Income before extraordinary items | $720,000 | 5,799 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $720,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 6,285 |
| Cash dividends | $144,000 | 5,884 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 597 |
| Net operating income | $720,000 | 5,463 |
* 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.