Home > Village Bank and Trust Company > Income and Expense
Village Bank and Trust Company, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $531,000 | 7,846 |
| Total interest expense | $190,000 | 7,610 |
| Net interest income | $341,000 | 7,866 |
| Provision for loan and lease losses | $250,000 | 3,992 |
| Total noninterest income | $61,000 | 6,973 |
| Gross Fiduciary activities income | $3,000 | 1,207 |
| Service charges on deposit accounts | $4,000 | 7,159 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $54,000 | 5,737 |
| Total noninterest expense | $313,000 | 7,919 |
| Salaries and employee benefits | $126,000 | 8,037 |
| Premises and equipment expense | $41,000 | 7,675 |
| Additional noninterest expense | $146,000 | 7,554 |
| Pre-tax net operating income | $-161,000 | 6,205 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-161,000 | 6,306 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-161,000 | 6,305 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-161,000 | 6,305 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-161,000 | 6,280 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $241,000 | 7,956 |
| Total interest expense | $74,000 | 7,872 |
| Net interest income | $167,000 | 7,925 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $7,000 | 7,847 |
| Gross Fiduciary activities income | $3,000 | 1,122 |
| Service charges on deposit accounts | $3,000 | 7,123 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,000 | 7,715 |
| Total noninterest expense | $138,000 | 8,034 |
| Salaries and employee benefits | $53,000 | 8,143 |
| Premises and equipment expense | $5,000 | 8,159 |
| Additional noninterest expense | $80,000 | 7,383 |
| Pre-tax net operating income | $36,000 | 5,805 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $36,000 | 5,903 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $36,000 | 5,905 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $36,000 | 5,905 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $36,000 | 5,736 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,643,000 | 7,579 |
| Total interest expense | $542,000 | 7,593 |
| Net interest income | $1,101,000 | 7,480 |
| Provision for loan and lease losses | $424,000 | 4,056 |
| Total noninterest income | $89,000 | 7,408 |
| Gross Fiduciary activities income | $8,000 | 1,246 |
| Service charges on deposit accounts | $17,000 | 7,079 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $64,000 | 6,497 |
| Total noninterest expense | $1,143,000 | 7,349 |
| Salaries and employee benefits | $448,000 | 7,782 |
| Premises and equipment expense | $578,000 | 4,056 |
| Additional noninterest expense | $117,000 | 8,177 |
| Pre-tax net operating income | $-377,000 | 6,690 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $160,000 | 3,013 |
| Income before extraordinary items | $-537,000 | 6,732 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-537,000 | 6,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $425,000 | 3,022 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-537,000 | 6,868 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,261,000 | 7,634 |
| Total interest expense | $429,000 | 7,659 |
| Net interest income | $832,000 | 7,533 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $62,000 | 7,603 |
| Gross Fiduciary activities income | $8,000 | 1,192 |
| Service charges on deposit accounts | $14,000 | 7,112 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $40,000 | 6,840 |
| Total noninterest expense | $495,000 | 8,009 |
| Salaries and employee benefits | $308,000 | 7,905 |
| Premises and equipment expense | $106,000 | 7,277 |
| Additional noninterest expense | $81,000 | 8,261 |
| Pre-tax net operating income | $399,000 | 5,271 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $149,000 | 3,243 |
| Income before extraordinary items | $250,000 | 5,446 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $250,000 | 5,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $250,000 | 5,622 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $853,000 | 7,690 |
| Total interest expense | $303,000 | 7,694 |
| Net interest income | $550,000 | 7,577 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $33,000 | 7,819 |
| Gross Fiduciary activities income | $8,000 | 1,154 |
| Service charges on deposit accounts | $12,000 | 7,080 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $13,000 | 7,530 |
| Total noninterest expense | $299,000 | 8,142 |
| Salaries and employee benefits | $199,000 | 7,988 |
| Premises and equipment expense | $51,000 | 7,691 |
| Additional noninterest expense | $49,000 | 8,348 |
| Pre-tax net operating income | $284,000 | 5,349 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $105,000 | 3,404 |
| Income before extraordinary items | $179,000 | 5,768 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $179,000 | 5,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $179,000 | 5,703 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $435,000 | 7,741 |
| Total interest expense | $161,000 | 7,746 |
| Net interest income | $274,000 | 7,630 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $22,000 | 7,623 |
| Gross Fiduciary activities income | $8,000 | 1,052 |
| Service charges on deposit accounts | $7,000 | 7,034 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $7,000 | 7,488 |
| Total noninterest expense | $142,000 | 8,216 |
| Salaries and employee benefits | $86,000 | 8,147 |
| Premises and equipment expense | $36,000 | 7,313 |
| Additional noninterest expense | $20,000 | 8,411 |
| Pre-tax net operating income | $154,000 | 5,404 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $57,000 | 3,422 |
| Income before extraordinary items | $97,000 | 5,880 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $97,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $97,000 | 5,793 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,823,000 | 7,683 |
| Total interest expense | $801,000 | 7,503 |
| Net interest income | $1,022,000 | 7,714 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $62,000 | 7,922 |
| Gross Fiduciary activities income | $10,000 | 1,256 |
| Service charges on deposit accounts | $23,000 | 7,115 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $29,000 | 7,566 |
| Total noninterest expense | $642,000 | 8,167 |
| Salaries and employee benefits | $455,000 | 7,915 |
| Premises and equipment expense | $81,000 | 7,949 |
| Additional noninterest expense | $106,000 | 8,399 |
| Pre-tax net operating income | $442,000 | 6,154 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $172,000 | 4,004 |
| Income before extraordinary items | $270,000 | 6,531 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $270,000 | 6,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $270,000 | 6,514 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,418,000 | 7,675 |
| Total interest expense | $604,000 | 7,525 |
| Net interest income | $814,000 | 7,686 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $38,000 | 8,077 |
| Gross Fiduciary activities income | $5,000 | 1,269 |
| Service charges on deposit accounts | $17,000 | 7,155 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $16,000 | 7,805 |
| Total noninterest expense | $444,000 | 8,215 |
| Salaries and employee benefits | $305,000 | 8,023 |
| Premises and equipment expense | $70,000 | 7,806 |
| Additional noninterest expense | $69,000 | 8,455 |
| Pre-tax net operating income | $408,000 | 6,135 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $150,000 | 4,042 |
| Income before extraordinary items | $258,000 | 6,533 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $258,000 | 6,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $258,000 | 6,514 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $931,000 | 7,748 |
| Total interest expense | $392,000 | 7,597 |
| Net interest income | $539,000 | 7,754 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $27,000 | 8,099 |
| Gross Fiduciary activities income | $5,000 | 1,236 |
| Service charges on deposit accounts | $12,000 | 7,175 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $10,000 | 7,880 |
| Total noninterest expense | $299,000 | 8,264 |
| Salaries and employee benefits | $205,000 | 8,068 |
| Premises and equipment expense | $46,000 | 7,866 |
| Additional noninterest expense | $48,000 | 8,492 |
| Pre-tax net operating income | $267,000 | 6,246 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $98,000 | 4,148 |
| Income before extraordinary items | $169,000 | 6,597 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $169,000 | 6,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $169,000 | 6,590 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $458,000 | 7,796 |
| Total interest expense | $191,000 | 7,654 |
| Net interest income | $267,000 | 7,807 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $17,000 | 7,989 |
| Gross Fiduciary activities income | $5,000 | 1,109 |
| Service charges on deposit accounts | $6,000 | 7,199 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $129,000 | 8,397 |
| Salaries and employee benefits | $89,000 | 8,248 |
| Premises and equipment expense | $19,000 | 8,063 |
| Additional noninterest expense | $21,000 | 8,554 |
| Pre-tax net operating income | $155,000 | 6,004 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $63,000 | 3,846 |
| Income before extraordinary items | $92,000 | 6,511 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $92,000 | 6,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $92,000 | 6,499 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,741,000 | 7,743 |
| Total interest expense | $676,000 | 7,562 |
| Net interest income | $1,065,000 | 7,751 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $55,000 | 8,179 |
| Gross Fiduciary activities income | $7,000 | 1,322 |
| Service charges on deposit accounts | $25,000 | 7,222 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,889 |
| Total noninterest expense | $619,000 | 8,287 |
| Salaries and employee benefits | $480,000 | 7,922 |
| Premises and equipment expense | $68,000 | 8,169 |
| Additional noninterest expense | $71,000 | 8,618 |
| Pre-tax net operating income | $501,000 | 6,483 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $185,000 | 4,374 |
| Income before extraordinary items | $316,000 | 6,850 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $316,000 | 6,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $316,000 | 6,851 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,267,000 | 7,839 |
| Total interest expense | $471,000 | 7,662 |
| Net interest income | $796,000 | 7,835 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $40,000 | 8,277 |
| Gross Fiduciary activities income | $7,000 | 1,251 |
| Service charges on deposit accounts | $18,000 | 7,310 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,025 |
| Total noninterest expense | $416,000 | 8,407 |
| Salaries and employee benefits | $313,000 | 8,111 |
| Premises and equipment expense | $57,000 | 8,121 |
| Additional noninterest expense | $46,000 | 8,691 |
| Pre-tax net operating income | $420,000 | 6,529 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $158,000 | 4,423 |
| Income before extraordinary items | $262,000 | 6,907 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $262,000 | 6,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $262,000 | 6,913 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $820,000 | 7,896 |
| Total interest expense | $296,000 | 7,721 |
| Net interest income | $524,000 | 7,900 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $28,000 | 8,317 |
| Gross Fiduciary activities income | $7,000 | 1,216 |
| Service charges on deposit accounts | $13,000 | 7,334 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $8,000 | 8,200 |
| Total noninterest expense | $272,000 | 8,457 |
| Salaries and employee benefits | $203,000 | 8,183 |
| Premises and equipment expense | $40,000 | 8,075 |
| Additional noninterest expense | $29,000 | 8,728 |
| Pre-tax net operating income | $280,000 | 6,587 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $105,000 | 4,457 |
| Income before extraordinary items | $175,000 | 6,960 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $175,000 | 6,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $175,000 | 6,962 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $393,000 | 7,955 |
| Total interest expense | $136,000 | 7,800 |
| Net interest income | $257,000 | 7,942 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $16,000 | 8,235 |
| Gross Fiduciary activities income | $7,000 | 1,113 |
| Service charges on deposit accounts | $6,000 | 7,374 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $107,000 | 8,616 |
| Salaries and employee benefits | $88,000 | 8,336 |
| Premises and equipment expense | $1,000 | 8,741 |
| Additional noninterest expense | $18,000 | 8,721 |
| Pre-tax net operating income | $166,000 | 6,213 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $63,000 | 4,198 |
| Income before extraordinary items | $103,000 | 6,693 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $103,000 | 6,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $103,000 | 6,688 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,389,000 | 8,003 |
| Total interest expense | $363,000 | 8,007 |
| Net interest income | $1,026,000 | 7,901 |
| Provision for loan and lease losses | $1,000 | 7,102 |
| Total noninterest income | $51,000 | 8,412 |
| Gross Fiduciary activities income | $8,000 | 1,332 |
| Service charges on deposit accounts | $24,000 | 7,422 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $19,000 | 8,165 |
| Total noninterest expense | $752,000 | 8,144 |
| Salaries and employee benefits | $427,000 | 8,122 |
| Premises and equipment expense | $183,000 | 6,914 |
| Additional noninterest expense | $142,000 | 8,528 |
| Pre-tax net operating income | $324,000 | 7,309 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $112,000 | 5,282 |
| Income before extraordinary items | $212,000 | 7,529 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $212,000 | 7,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $212,000 | 7,505 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,026,000 | 8,047 |
| Total interest expense | $249,000 | 8,105 |
| Net interest income | $777,000 | 7,932 |
| Provision for loan and lease losses | $1,000 | 6,883 |
| Total noninterest income | $39,000 | 8,460 |
| Gross Fiduciary activities income | $7,000 | 1,273 |
| Service charges on deposit accounts | $18,000 | 7,477 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,000 | 8,207 |
| Total noninterest expense | $406,000 | 8,504 |
| Salaries and employee benefits | $288,000 | 8,237 |
| Premises and equipment expense | $42,000 | 8,401 |
| Additional noninterest expense | $76,000 | 8,700 |
| Pre-tax net operating income | $409,000 | 6,746 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $153,000 | 4,788 |
| Income before extraordinary items | $256,000 | 7,155 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $256,000 | 7,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,995 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $256,000 | 7,119 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $679,000 | 8,054 |
| Total interest expense | $156,000 | 8,141 |
| Net interest income | $523,000 | 7,940 |
| Provision for loan and lease losses | $1,000 | 6,595 |
| Total noninterest income | $20,000 | 8,542 |
| Gross Fiduciary activities income | $3,000 | 1,310 |
| Service charges on deposit accounts | $11,000 | 7,506 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,000 | 8,403 |
| Total noninterest expense | $257,000 | 8,541 |
| Salaries and employee benefits | $174,000 | 8,364 |
| Premises and equipment expense | $34,000 | 8,261 |
| Additional noninterest expense | $49,000 | 8,726 |
| Pre-tax net operating income | $285,000 | 6,676 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $107,000 | 4,727 |
| Income before extraordinary items | $178,000 | 7,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $178,000 | 7,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $178,000 | 7,067 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $333,000 | 8,137 |
| Total interest expense | $66,000 | 8,315 |
| Net interest income | $267,000 | 7,981 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $12,000 | 8,547 |
| Gross Fiduciary activities income | $3,000 | 1,221 |
| Service charges on deposit accounts | $5,000 | 7,590 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $123,000 | 8,634 |
| Salaries and employee benefits | $78,000 | 8,525 |
| Premises and equipment expense | $23,000 | 8,021 |
| Additional noninterest expense | $22,000 | 8,797 |
| Pre-tax net operating income | $156,000 | 6,480 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $58,000 | 4,584 |
| Income before extraordinary items | $98,000 | 6,933 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $98,000 | 6,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $98,000 | 6,907 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,234,000 | 8,176 |
| Total interest expense | $220,000 | 8,396 |
| Net interest income | $1,014,000 | 7,993 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $45,000 | 8,621 |
| Gross Fiduciary activities income | $3,000 | 1,452 |
| Service charges on deposit accounts | $21,000 | 7,648 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $21,000 | 8,187 |
| Total noninterest expense | $649,000 | 8,418 |
| Salaries and employee benefits | $436,000 | 8,183 |
| Premises and equipment expense | $120,000 | 7,716 |
| Additional noninterest expense | $93,000 | 8,836 |
| Pre-tax net operating income | $410,000 | 7,038 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $146,000 | 5,136 |
| Income before extraordinary items | $264,000 | 7,371 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $264,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $264,000 | 7,322 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $912,000 | 8,237 |
| Total interest expense | $155,000 | 8,486 |
| Net interest income | $757,000 | 8,033 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $34,000 | 8,672 |
| Gross Fiduciary activities income | $3,000 | 1,390 |
| Service charges on deposit accounts | $17,000 | 7,679 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 8,295 |
| Total noninterest expense | $423,000 | 8,594 |
| Salaries and employee benefits | $296,000 | 8,300 |
| Premises and equipment expense | $65,000 | 8,129 |
| Additional noninterest expense | $62,000 | 8,906 |
| Pre-tax net operating income | $368,000 | 6,884 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $136,000 | 4,971 |
| Income before extraordinary items | $232,000 | 7,296 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $232,000 | 7,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $232,000 | 7,233 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $605,000 | 8,298 |
| Total interest expense | $99,000 | 8,574 |
| Net interest income | $506,000 | 8,080 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $20,000 | 8,760 |
| Gross Fiduciary activities income | $2,000 | 1,383 |
| Service charges on deposit accounts | $10,000 | 7,758 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,000 | 8,431 |
| Total noninterest expense | $228,000 | 8,811 |
| Salaries and employee benefits | $169,000 | 8,551 |
| Premises and equipment expense | $18,000 | 8,826 |
| Additional noninterest expense | $41,000 | 8,951 |
| Pre-tax net operating income | $298,000 | 6,513 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $111,000 | 4,712 |
| Income before extraordinary items | $187,000 | 7,010 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $187,000 | 7,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $187,000 | 6,939 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $302,000 | 8,345 |
| Total interest expense | $48,000 | 8,649 |
| Net interest income | $254,000 | 8,109 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $11,000 | 8,767 |
| Gross Fiduciary activities income | $2,000 | 1,290 |
| Service charges on deposit accounts | $6,000 | 7,724 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $116,000 | 8,836 |
| Salaries and employee benefits | $94,000 | 8,461 |
| Premises and equipment expense | $4,000 | 9,002 |
| Additional noninterest expense | $18,000 | 9,027 |
| Pre-tax net operating income | $149,000 | 6,458 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $52,000 | 4,804 |
| Income before extraordinary items | $97,000 | 6,945 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $97,000 | 6,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $97,000 | 6,838 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,234,000 | 8,360 |
| Total interest expense | $232,000 | 8,658 |
| Net interest income | $1,002,000 | 8,102 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $53,000 | 8,771 |
| Gross Fiduciary activities income | $3,000 | 1,497 |
| Service charges on deposit accounts | $22,000 | 7,818 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $28,000 | 8,187 |
| Total noninterest expense | $590,000 | 8,679 |
| Salaries and employee benefits | $397,000 | 8,421 |
| Premises and equipment expense | $93,000 | 8,154 |
| Additional noninterest expense | $100,000 | 9,000 |
| Pre-tax net operating income | $465,000 | 6,783 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $179,000 | 5,078 |
| Income before extraordinary items | $286,000 | 7,348 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $286,000 | 7,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $286,000 | 7,204 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $928,000 | 8,443 |
| Total interest expense | $181,000 | 8,736 |
| Net interest income | $747,000 | 8,171 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $34,000 | 8,901 |
| Gross Fiduciary activities income | $3,000 | 1,448 |
| Service charges on deposit accounts | $16,000 | 7,891 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,000 | 8,465 |
| Total noninterest expense | $378,000 | 8,864 |
| Salaries and employee benefits | $278,000 | 8,522 |
| Premises and equipment expense | $36,000 | 8,838 |
| Additional noninterest expense | $64,000 | 9,094 |
| Pre-tax net operating income | $403,000 | 6,701 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $112,000 | 5,453 |
| Income before extraordinary items | $291,000 | 6,994 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $291,000 | 6,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $291,000 | 6,827 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $614,000 | 8,515 |
| Total interest expense | $123,000 | 8,796 |
| Net interest income | $491,000 | 8,233 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $21,000 | 8,957 |
| Gross Fiduciary activities income | $3,000 | 1,400 |
| Service charges on deposit accounts | $10,000 | 7,926 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $8,000 | 8,587 |
| Total noninterest expense | $231,000 | 8,948 |
| Salaries and employee benefits | $170,000 | 8,663 |
| Premises and equipment expense | $18,000 | 8,986 |
| Additional noninterest expense | $43,000 | 9,113 |
| Pre-tax net operating income | $281,000 | 6,624 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $78,000 | 5,441 |
| Income before extraordinary items | $203,000 | 6,941 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $203,000 | 6,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $203,000 | 6,746 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $304,000 | 8,583 |
| Total interest expense | $64,000 | 8,843 |
| Net interest income | $240,000 | 8,308 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $7,000 | 9,082 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $4,000 | 7,983 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $119,000 | 8,973 |
| Salaries and employee benefits | $87,000 | 8,673 |
| Premises and equipment expense | $10,000 | 8,968 |
| Additional noninterest expense | $22,000 | 9,147 |
| Pre-tax net operating income | $128,000 | 6,785 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $40,000 | 5,397 |
| Income before extraordinary items | $88,000 | 7,121 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $88,000 | 7,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $88,000 | 6,970 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,290,000 | 8,597 |
| Total interest expense | $338,000 | 8,815 |
| Net interest income | $952,000 | 8,339 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $24,000 | 9,152 |
| Gross Fiduciary activities income | $3,000 | 1,565 |
| Service charges on deposit accounts | $14,000 | 8,042 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 9,001 |
| Total noninterest expense | $554,000 | 8,882 |
| Salaries and employee benefits | $310,000 | 8,859 |
| Premises and equipment expense | $139,000 | 7,603 |
| Additional noninterest expense | $105,000 | 9,148 |
| Pre-tax net operating income | $422,000 | 7,072 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $200,000 | 5,116 |
| Income before extraordinary items | $222,000 | 7,717 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $222,000 | 7,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $222,000 | 7,632 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,330,000 | 8,880 |
| Total interest expense | $524,000 | 8,978 |
| Net interest income | $806,000 | 8,653 |
| Provision for loan and lease losses | $8,000 | 8,004 |
| Total noninterest income | $18,000 | 9,434 |
| Gross Fiduciary activities income | $3,000 | 1,597 |
| Service charges on deposit accounts | $9,000 | 8,267 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,000 | 9,281 |
| Total noninterest expense | $391,000 | 9,382 |
| Salaries and employee benefits | $206,000 | 9,388 |
| Premises and equipment expense | $77,000 | 8,677 |
| Additional noninterest expense | $108,000 | 9,331 |
| Pre-tax net operating income | $425,000 | 6,856 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $155,000 | 5,396 |
| Income before extraordinary items | $270,000 | 7,313 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $270,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,017 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $270,000 | 7,195 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,340,000 | 9,103 |
| Total interest expense | $531,000 | 9,186 |
| Net interest income | $809,000 | 8,874 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $17,000 | 9,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 8,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,368 |
| Total noninterest expense | $317,000 | 9,733 |
| Salaries and employee benefits | $174,000 | 9,691 |
| Premises and equipment expense | $59,000 | 9,200 |
| Additional noninterest expense | $84,000 | 9,725 |
| Pre-tax net operating income | $509,000 | 6,949 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $188,000 | 5,509 |
| Income before extraordinary items | $321,000 | 7,342 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $321,000 | 7,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $321,000 | 7,346 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,177,000 | 9,446 |
| Total interest expense | $456,000 | 9,533 |
| Net interest income | $721,000 | 9,233 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $13,000 | 10,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 9,914 |
| Total noninterest expense | $278,000 | 10,081 |
| Salaries and employee benefits | $135,000 | 10,083 |
| Premises and equipment expense | $46,000 | 9,708 |
| Additional noninterest expense | $97,000 | 9,939 |
| Pre-tax net operating income | $386,000 | 7,658 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $99,000 | 6,931 |
| Income before extraordinary items | $287,000 | 7,677 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $287,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $287,000 | 7,657 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,222,000 | 9,625 |
| Total interest expense | $523,000 | 9,645 |
| Net interest income | $699,000 | 9,495 |
| Provision for loan and lease losses | $111,000 | 4,896 |
| Total noninterest income | $17,000 | 10,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 8,901 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 10,010 |
| Total noninterest expense | $270,000 | 10,308 |
| Salaries and employee benefits | $115,000 | 10,342 |
| Premises and equipment expense | $66,000 | 9,435 |
| Additional noninterest expense | $89,000 | 10,204 |
| Pre-tax net operating income | $335,000 | 8,200 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $162,000 | 6,678 |
| Income before extraordinary items | $173,000 | 8,817 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $173,000 | 8,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $5,000 | 7,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $173,000 | 8,754 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,041,000 | 10,265 |
| Total interest expense | $427,000 | 10,271 |
| Net interest income | $614,000 | 10,153 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $22,000 | 10,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 9,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 10,416 |
| Total noninterest expense | $243,000 | 10,787 |
| Salaries and employee benefits | $126,000 | 10,773 |
| Premises and equipment expense | $38,000 | 10,474 |
| Additional noninterest expense | $79,000 | 10,703 |
| Pre-tax net operating income | $393,000 | 8,481 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $154,000 | 7,551 |
| Income before extraordinary items | $239,000 | 8,842 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $239,000 | 8,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $5,000 | 7,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $239,000 | 8,806 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $894,000 | 10,936 |
| Total interest expense | $377,000 | 10,926 |
| Net interest income | $517,000 | 10,856 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $19,000 | 11,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 9,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 11,015 |
| Total noninterest expense | $216,000 | 11,349 |
| Salaries and employee benefits | $113,000 | 11,333 |
| Premises and equipment expense | $39,000 | 10,933 |
| Additional noninterest expense | $64,000 | 11,335 |
| Pre-tax net operating income | $320,000 | 8,987 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $117,000 | 8,439 |
| Income before extraordinary items | $203,000 | 9,267 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $203,000 | 9,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $5,000 | 8,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $203,000 | 9,209 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $831,000 | 11,487 |
| Total interest expense | $341,000 | 11,497 |
| Net interest income | $490,000 | 11,416 |
| Provision for loan and lease losses | $-6,000 | 11,384 |
| Total noninterest income | $15,000 | 11,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 10,187 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,753 |
| Total noninterest expense | $209,000 | 11,870 |
| Salaries and employee benefits | $95,000 | 11,884 |
| Premises and equipment expense | $45,000 | 11,233 |
| Additional noninterest expense | $69,000 | 11,815 |
| Pre-tax net operating income | $302,000 | 9,725 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $106,000 | 9,057 |
| Income before extraordinary items | $196,000 | 9,972 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $196,000 | 9,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $5,000 | 8,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $196,000 | 9,943 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $757,000 | 12,121 |
| Total interest expense | $267,000 | 12,153 |
| Net interest income | $490,000 | 12,037 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $14,000 | 12,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 10,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 12,349 |
| Total noninterest expense | $208,000 | 12,507 |
| Salaries and employee benefits | $85,000 | 12,542 |
| Premises and equipment expense | $45,000 | 11,810 |
| Additional noninterest expense | $78,000 | 12,443 |
| Pre-tax net operating income | $283,000 | 10,258 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $102,000 | 9,321 |
| Income before extraordinary items | $181,000 | 10,486 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $181,000 | 10,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $5,000 | 8,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $181,000 | 10,528 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $738,000 | 12,753 |
| Total interest expense | $349,000 | 12,442 |
| Net interest income | $389,000 | 12,838 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $17,000 | 13,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 11,187 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 12,981 |
| Total noninterest expense | $211,000 | 13,165 |
| Salaries and employee benefits | $91,000 | 13,190 |
| Premises and equipment expense | $45,000 | 12,369 |
| Additional noninterest expense | $75,000 | 13,112 |
| Pre-tax net operating income | $195,000 | 11,088 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $69,000 | 10,505 |
| Income before extraordinary items | $126,000 | 11,503 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $126,000 | 11,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $126,000 | 11,282 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $875,000 | 13,236 |
| Total interest expense | $464,000 | 12,907 |
| Net interest income | $411,000 | 13,359 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $18,000 | 13,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 11,579 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 13,545 |
| Total noninterest expense | $213,000 | 13,782 |
| Salaries and employee benefits | $129,000 | 13,683 |
| Premises and equipment expense | $27,000 | 13,499 |
| Additional noninterest expense | $57,000 | 13,818 |
| Pre-tax net operating income | $216,000 | 10,915 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $67,000 | 10,800 |
| Income before extraordinary items | $149,000 | 11,288 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $149,000 | 11,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $5,000 | 8,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $149,000 | 10,950 |
* 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.