Home > Village Bank & Trust Company > Income and Expense
Village Bank & Trust Company, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,686,000 | 6,119 |
| Total interest expense | $261,000 | 8,049 |
| Net interest income | $2,425,000 | 5,268 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $297,000 | 5,789 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $119,000 | 5,541 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $178,000 | 4,857 |
| Total noninterest expense | $4,518,000 | 2,711 |
| Salaries and employee benefits | $1,190,000 | 4,853 |
| Premises and equipment expense | $153,000 | 6,664 |
| Additional noninterest expense | $3,175,000 | 1,198 |
| Pre-tax net operating income | $-1,805,000 | 8,802 |
| Securities gains (losses) | $21,000 | 1,208 |
| Applicable income taxes | $-40,000 | 8,669 |
| Income before extraordinary items | $-1,744,000 | 8,813 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,744,000 | 8,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,785 |
| Cash dividends | $300,000 | 3,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-1,764,580 | 8,797 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,761,000 | 6,106 |
| Total interest expense | $164,000 | 8,073 |
| Net interest income | $1,597,000 | 5,296 |
| Provision for loan and lease losses | $9,000 | 6,195 |
| Total noninterest income | $186,000 | 5,893 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $79,000 | 5,503 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $107,000 | 5,049 |
| Total noninterest expense | $1,260,000 | 5,307 |
| Salaries and employee benefits | $736,000 | 5,093 |
| Premises and equipment expense | $100,000 | 6,702 |
| Additional noninterest expense | $424,000 | 4,901 |
| Pre-tax net operating income | $514,000 | 5,422 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $139,000 | 4,363 |
| Income before extraordinary items | $375,000 | 5,607 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $375,000 | 5,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $375,000 | 5,560 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $858,000 | 6,188 |
| Total interest expense | $77,000 | 8,167 |
| Net interest income | $781,000 | 5,391 |
| Provision for loan and lease losses | $9,000 | 5,480 |
| Total noninterest income | $83,000 | 6,080 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $36,000 | 5,648 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,321 |
| Total noninterest expense | $623,000 | 5,395 |
| Salaries and employee benefits | $375,000 | 5,042 |
| Premises and equipment expense | $52,000 | 6,674 |
| Additional noninterest expense | $196,000 | 5,154 |
| Pre-tax net operating income | $232,000 | 5,622 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $55,000 | 4,637 |
| Income before extraordinary items | $177,000 | 5,712 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $177,000 | 5,713 |
| 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 | $177,000 | 5,675 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,286,000 | 6,155 |
| Total interest expense | $300,000 | 8,108 |
| Net interest income | $2,986,000 | 5,430 |
| Provision for loan and lease losses | $25,000 | 6,557 |
| Total noninterest income | $411,000 | 5,726 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $186,000 | 5,367 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $225,000 | 4,850 |
| Total noninterest expense | $2,514,000 | 5,287 |
| Salaries and employee benefits | $1,543,000 | 4,846 |
| Premises and equipment expense | $188,000 | 6,890 |
| Additional noninterest expense | $783,000 | 5,170 |
| Pre-tax net operating income | $858,000 | 5,625 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $130,000 | 5,257 |
| Income before extraordinary items | $728,000 | 5,482 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $728,000 | 5,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,933 |
| Cash dividends | $289,000 | 4,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $728,000 | 5,404 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,432,000 | 6,204 |
| Total interest expense | $224,000 | 8,135 |
| Net interest income | $2,208,000 | 5,456 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $327,000 | 5,631 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $140,000 | 5,417 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $187,000 | 4,640 |
| Total noninterest expense | $1,901,000 | 5,216 |
| Salaries and employee benefits | $1,154,000 | 4,809 |
| Premises and equipment expense | $147,000 | 6,776 |
| Additional noninterest expense | $600,000 | 5,056 |
| Pre-tax net operating income | $634,000 | 5,742 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $90,000 | 5,450 |
| Income before extraordinary items | $544,000 | 5,606 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $544,000 | 5,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,073 |
| Cash dividends | $289,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $544,000 | 5,538 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,579,000 | 6,303 |
| Total interest expense | $151,000 | 8,185 |
| Net interest income | $1,428,000 | 5,557 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $215,000 | 5,659 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $93,000 | 5,427 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $122,000 | 4,745 |
| Total noninterest expense | $1,236,000 | 5,330 |
| Salaries and employee benefits | $751,000 | 4,920 |
| Premises and equipment expense | $99,000 | 6,797 |
| Additional noninterest expense | $386,000 | 5,183 |
| Pre-tax net operating income | $407,000 | 5,815 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $54,000 | 5,561 |
| Income before extraordinary items | $353,000 | 5,646 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $353,000 | 5,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,344 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $353,000 | 5,556 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $784,000 | 6,341 |
| Total interest expense | $77,000 | 8,233 |
| Net interest income | $707,000 | 5,598 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $109,000 | 5,576 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $45,000 | 5,435 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $64,000 | 4,614 |
| Total noninterest expense | $624,000 | 5,317 |
| Salaries and employee benefits | $394,000 | 4,796 |
| Premises and equipment expense | $52,000 | 6,694 |
| Additional noninterest expense | $178,000 | 5,468 |
| Pre-tax net operating income | $192,000 | 5,914 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $32,000 | 5,327 |
| Income before extraordinary items | $160,000 | 5,851 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $160,000 | 5,851 |
| 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 | $160,000 | 5,733 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,100,000 | 6,413 |
| Total interest expense | $416,000 | 8,057 |
| Net interest income | $2,684,000 | 5,659 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $369,000 | 6,136 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $182,000 | 5,462 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $187,000 | 5,428 |
| Total noninterest expense | $2,314,000 | 5,496 |
| Salaries and employee benefits | $1,402,000 | 5,088 |
| Premises and equipment expense | $184,000 | 6,974 |
| Additional noninterest expense | $728,000 | 5,368 |
| Pre-tax net operating income | $739,000 | 5,880 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $108,000 | 5,645 |
| Income before extraordinary items | $631,000 | 5,842 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $631,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $277,000 | 4,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $631,000 | 5,674 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,315,000 | 6,502 |
| Total interest expense | $328,000 | 8,120 |
| Net interest income | $1,987,000 | 5,733 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $291,000 | 6,079 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $134,000 | 5,543 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $157,000 | 5,250 |
| Total noninterest expense | $1,749,000 | 5,434 |
| Salaries and employee benefits | $1,052,000 | 5,074 |
| Premises and equipment expense | $147,000 | 6,830 |
| Additional noninterest expense | $550,000 | 5,324 |
| Pre-tax net operating income | $529,000 | 6,165 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $72,000 | 5,906 |
| Income before extraordinary items | $457,000 | 6,061 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $457,000 | 6,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $277,000 | 3,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $457,000 | 5,892 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,536,000 | 6,568 |
| Total interest expense | $234,000 | 8,118 |
| Net interest income | $1,302,000 | 5,792 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $176,000 | 6,278 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $84,000 | 5,654 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $92,000 | 5,469 |
| Total noninterest expense | $1,167,000 | 5,426 |
| Salaries and employee benefits | $694,000 | 5,113 |
| Premises and equipment expense | $97,000 | 6,846 |
| Additional noninterest expense | $376,000 | 5,227 |
| Pre-tax net operating income | $311,000 | 6,439 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $41,000 | 6,076 |
| Income before extraordinary items | $270,000 | 6,345 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $270,000 | 6,345 |
| 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 | $270,000 | 6,130 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $765,000 | 6,625 |
| Total interest expense | $124,000 | 8,118 |
| Net interest income | $641,000 | 5,842 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $87,000 | 6,231 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 5,576 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $45,000 | 5,466 |
| Total noninterest expense | $598,000 | 5,349 |
| Salaries and employee benefits | $356,000 | 5,016 |
| Premises and equipment expense | $57,000 | 6,435 |
| Additional noninterest expense | $185,000 | 5,250 |
| Pre-tax net operating income | $130,000 | 6,755 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $10,000 | 6,563 |
| Income before extraordinary items | $120,000 | 6,547 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $120,000 | 6,546 |
| 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 | $120,000 | 6,380 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,410,000 | 6,426 |
| Total interest expense | $732,000 | 7,718 |
| Net interest income | $2,678,000 | 5,682 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $306,000 | 6,416 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $180,000 | 5,464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $126,000 | 5,962 |
| Total noninterest expense | $2,228,000 | 5,494 |
| Salaries and employee benefits | $1,324,000 | 5,142 |
| Premises and equipment expense | $176,000 | 7,078 |
| Additional noninterest expense | $728,000 | 5,277 |
| Pre-tax net operating income | $756,000 | 5,910 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $145,000 | 5,563 |
| Income before extraordinary items | $611,000 | 5,922 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $611,000 | 5,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $270,000 | 4,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $611,000 | 5,780 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,447,000 | 5,996 |
| Total interest expense | $1,232,000 | 7,548 |
| Net interest income | $3,215,000 | 4,831 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $233,000 | 6,998 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $194,000 | 5,236 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $39,000 | 8,049 |
| Total noninterest expense | $2,356,000 | 5,161 |
| Salaries and employee benefits | $1,424,000 | 4,693 |
| Premises and equipment expense | $184,000 | 7,014 |
| Additional noninterest expense | $748,000 | 5,019 |
| Pre-tax net operating income | $1,092,000 | 4,671 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $275,000 | 4,439 |
| Income before extraordinary items | $817,000 | 4,817 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $817,000 | 4,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,713 |
| Cash dividends | $538,000 | 3,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $817,000 | 4,700 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,583,000 | 6,032 |
| Total interest expense | $1,306,000 | 7,569 |
| Net interest income | $3,277,000 | 4,844 |
| Provision for loan and lease losses | $33,000 | 7,143 |
| Total noninterest income | $267,000 | 6,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,115 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,208 |
| Total noninterest expense | $2,244,000 | 5,264 |
| Salaries and employee benefits | $1,354,000 | 4,742 |
| Premises and equipment expense | $172,000 | 7,209 |
| Additional noninterest expense | $718,000 | 5,085 |
| Pre-tax net operating income | $1,267,000 | 4,583 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $307,000 | 4,558 |
| Income before extraordinary items | $960,000 | 4,499 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $960,000 | 4,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $538,000 | 3,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $960,000 | 4,502 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,242,000 | 6,156 |
| Total interest expense | $1,291,000 | 7,427 |
| Net interest income | $2,951,000 | 5,223 |
| Provision for loan and lease losses | $3,000 | 8,407 |
| Total noninterest income | $216,000 | 7,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 9,637 |
| Total noninterest expense | $2,043,000 | 5,616 |
| Salaries and employee benefits | $1,202,000 | 5,157 |
| Premises and equipment expense | $187,000 | 7,010 |
| Additional noninterest expense | $654,000 | 5,503 |
| Pre-tax net operating income | $1,121,000 | 4,977 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $315,000 | 4,704 |
| Income before extraordinary items | $806,000 | 5,073 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $806,000 | 5,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $538,000 | 3,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $806,000 | 5,032 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,223,000 | 6,285 |
| Total interest expense | $1,340,000 | 7,564 |
| Net interest income | $2,883,000 | 5,279 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $249,000 | 7,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,487 |
| Total noninterest expense | $2,086,000 | 5,435 |
| Salaries and employee benefits | $1,198,000 | 5,075 |
| Premises and equipment expense | $160,000 | 7,432 |
| Additional noninterest expense | $728,000 | 5,006 |
| Pre-tax net operating income | $1,010,000 | 5,378 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $284,000 | 5,318 |
| Income before extraordinary items | $726,000 | 5,500 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $726,000 | 5,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,292 |
| Cash dividends | $538,000 | 3,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $726,000 | 5,391 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 6,523 |
| Total interest expense | $1,330,000 | 7,775 |
| Net interest income | $2,816,000 | 5,551 |
| Provision for loan and lease losses | $71,000 | 5,899 |
| Total noninterest income | $272,000 | 6,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 4,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,689 |
| Total noninterest expense | $1,925,000 | 5,800 |
| Salaries and employee benefits | $1,096,000 | 5,491 |
| Premises and equipment expense | $162,000 | 7,548 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $1,092,000 | 5,564 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $321,000 | 5,538 |
| Income before extraordinary items | $771,000 | 5,581 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $771,000 | 5,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,899 |
| Cash dividends | $538,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $771,000 | 5,536 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,103,000 | 6,765 |
| Total interest expense | $1,346,000 | 7,967 |
| Net interest income | $2,757,000 | 5,787 |
| Provision for loan and lease losses | $26,000 | 7,618 |
| Total noninterest income | $261,000 | 7,450 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,192 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 9,447 |
| Total noninterest expense | $1,936,000 | 6,079 |
| Salaries and employee benefits | $1,047,000 | 5,802 |
| Premises and equipment expense | $168,000 | 7,663 |
| Additional noninterest expense | $721,000 | 5,626 |
| Pre-tax net operating income | $1,056,000 | 5,552 |
| Securities gains (losses) | $58,000 | 1,248 |
| Applicable income taxes | $319,000 | 5,621 |
| Income before extraordinary items | $795,000 | 5,334 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $795,000 | 5,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 6,057 |
| Cash dividends | $359,000 | 4,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $753,820 | 5,460 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,080,000 | 6,899 |
| Total interest expense | $1,319,000 | 8,218 |
| Net interest income | $2,761,000 | 5,879 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $214,000 | 8,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $-9,000 | 11,996 |
| Total noninterest expense | $1,819,000 | 6,409 |
| Salaries and employee benefits | $1,075,000 | 5,702 |
| Premises and equipment expense | $159,000 | 8,051 |
| Additional noninterest expense | $585,000 | 6,628 |
| Pre-tax net operating income | $1,156,000 | 5,395 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $370,000 | 5,215 |
| Income before extraordinary items | $786,000 | 5,517 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $786,000 | 5,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $153,000 | 6,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $786,000 | 5,498 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,404,000 | 7,479 |
| Total interest expense | $1,043,000 | 8,510 |
| Net interest income | $2,361,000 | 6,734 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $273,000 | 7,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 10,350 |
| Total noninterest expense | $1,790,000 | 6,715 |
| Salaries and employee benefits | $1,059,000 | 5,807 |
| Premises and equipment expense | $143,000 | 8,743 |
| Additional noninterest expense | $588,000 | 7,127 |
| Pre-tax net operating income | $844,000 | 6,654 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $238,000 | 6,717 |
| Income before extraordinary items | $606,000 | 6,493 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $606,000 | 6,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $139,000 | 6,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $606,000 | 6,547 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,225,000 | 7,971 |
| Total interest expense | $1,097,000 | 8,699 |
| Net interest income | $2,128,000 | 7,367 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $290,000 | 7,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,232 |
| Total noninterest expense | $1,622,000 | 7,436 |
| Salaries and employee benefits | $925,000 | 6,576 |
| Premises and equipment expense | $121,000 | 9,761 |
| Additional noninterest expense | $576,000 | 7,555 |
| Pre-tax net operating income | $776,000 | 6,945 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $253,000 | 6,745 |
| Income before extraordinary items | $525,000 | 7,350 |
| Extraordinary gains, net | $14,000 | 2,843 |
| Net income | $539,000 | 7,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 5,491 |
| Cash dividends | $93,000 | 7,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $523,660 | 7,111 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,562,000 | 8,092 |
| Total interest expense | $1,487,000 | 8,550 |
| Net interest income | $2,075,000 | 7,558 |
| Provision for loan and lease losses | $302,000 | 4,094 |
| Total noninterest income | $133,000 | 10,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 8,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,557 |
| Total noninterest expense | $1,615,000 | 7,522 |
| Salaries and employee benefits | $789,000 | 7,327 |
| Premises and equipment expense | $109,000 | 10,409 |
| Additional noninterest expense | $717,000 | 6,656 |
| Pre-tax net operating income | $291,000 | 10,226 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $67,000 | 10,800 |
| Income before extraordinary items | $226,000 | 10,237 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $226,000 | 10,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 4,924 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $224,460 | 9,908 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.