Home > Visalia Community Bank > Income and Expense
Visalia Community Bank, Income and Expense
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,483,000 | 3,298 |
| Total interest expense | $161,000 | 5,426 |
| Net interest income | $3,322,000 | 3,044 |
| Provision for loan and lease losses | $298,000 | 1,716 |
| Total noninterest income | $744,000 | 2,665 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $520,000 | 1,286 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $224,000 | 3,614 |
| Total noninterest expense | $5,368,000 | 1,786 |
| Salaries and employee benefits | $2,017,000 | 2,480 |
| Premises and equipment expense | $581,000 | 1,982 |
| Additional noninterest expense | $2,770,000 | 1,203 |
| Pre-tax net operating income | $-1,600,000 | 6,854 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $-564,000 | 6,877 |
| Income before extraordinary items | $-1,036,000 | 6,818 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-1,036,000 | 6,819 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-1,036,000 | 6,819 |
| Net charge-offs | $689,000 | 1,005 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-1,036,000 | 6,803 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 3,270 |
| Total interest expense | $86,000 | 5,406 |
| Net interest income | $1,691,000 | 3,006 |
| Provision for loan and lease losses | $147,000 | 1,755 |
| Total noninterest income | $494,000 | 2,244 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $261,000 | 1,275 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $233,000 | 2,561 |
| Total noninterest expense | $2,052,000 | 2,317 |
| Salaries and employee benefits | $1,029,000 | 2,459 |
| Premises and equipment expense | $295,000 | 1,987 |
| Additional noninterest expense | $728,000 | 2,140 |
| Pre-tax net operating income | $-14,000 | 6,420 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-29,000 | 6,820 |
| Income before extraordinary items | $15,000 | 6,267 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $15,000 | 6,267 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $15,000 | 6,268 |
| Net charge-offs | $-18,000 | 6,405 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $15,000 | 6,189 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,424,000 | 3,310 |
| Total interest expense | $397,000 | 5,557 |
| Net interest income | $7,027,000 | 2,968 |
| Provision for loan and lease losses | $834,000 | 2,010 |
| Total noninterest income | $2,152,000 | 2,085 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,187,000 | 1,192 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $965,000 | 2,422 |
| Total noninterest expense | $8,257,000 | 2,287 |
| Salaries and employee benefits | $3,976,000 | 2,465 |
| Premises and equipment expense | $1,261,000 | 1,862 |
| Additional noninterest expense | $3,020,000 | 2,148 |
| Pre-tax net operating income | $88,000 | 5,946 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $-60,000 | 6,658 |
| Income before extraordinary items | $148,000 | 5,929 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $148,000 | 5,925 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $148,000 | 5,928 |
| Net charge-offs | $550,000 | 2,527 |
| Cash dividends | $134,000 | 3,855 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $148,000 | 5,771 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,583,000 | 3,359 |
| Total interest expense | $304,000 | 5,658 |
| Net interest income | $5,279,000 | 3,014 |
| Provision for loan and lease losses | $685,000 | 1,881 |
| Total noninterest income | $1,612,000 | 2,083 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $890,000 | 1,197 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $722,000 | 2,411 |
| Total noninterest expense | $5,904,000 | 2,409 |
| Salaries and employee benefits | $2,927,000 | 2,520 |
| Premises and equipment expense | $949,000 | 1,873 |
| Additional noninterest expense | $2,028,000 | 2,384 |
| Pre-tax net operating income | $302,000 | 5,299 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $50,000 | 3,792 |
| Income before extraordinary items | $252,000 | 5,514 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $252,000 | 5,514 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $252,000 | 5,514 |
| Net charge-offs | $479,000 | 2,253 |
| Cash dividends | $134,000 | 3,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $252,000 | 5,326 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,792,000 | 3,340 |
| Total interest expense | $208,000 | 5,702 |
| Net interest income | $3,584,000 | 2,988 |
| Provision for loan and lease losses | $294,000 | 2,495 |
| Total noninterest income | $1,088,000 | 2,037 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $594,000 | 1,186 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $494,000 | 2,351 |
| Total noninterest expense | $3,878,000 | 2,433 |
| Salaries and employee benefits | $1,935,000 | 2,536 |
| Premises and equipment expense | $633,000 | 1,874 |
| Additional noninterest expense | $1,310,000 | 2,474 |
| Pre-tax net operating income | $500,000 | 4,121 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $157,000 | 2,670 |
| Income before extraordinary items | $343,000 | 4,614 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $343,000 | 4,616 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $343,000 | 4,616 |
| Net charge-offs | $-5,000 | 6,479 |
| Cash dividends | $67,000 | 3,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $343,000 | 4,424 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,907,000 | 3,342 |
| Total interest expense | $108,000 | 5,734 |
| Net interest income | $1,799,000 | 2,983 |
| Provision for loan and lease losses | $145,000 | 2,473 |
| Total noninterest income | $560,000 | 1,995 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $307,000 | 1,147 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $253,000 | 2,330 |
| Total noninterest expense | $1,903,000 | 2,477 |
| Salaries and employee benefits | $956,000 | 2,589 |
| Premises and equipment expense | $315,000 | 1,893 |
| Additional noninterest expense | $632,000 | 2,521 |
| Pre-tax net operating income | $311,000 | 3,775 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $102,000 | 2,428 |
| Income before extraordinary items | $209,000 | 4,300 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $209,000 | 4,302 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $209,000 | 4,303 |
| Net charge-offs | $-21,000 | 6,886 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $209,000 | 4,149 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,364,000 | 3,207 |
| Total interest expense | $838,000 | 4,816 |
| Net interest income | $7,526,000 | 2,883 |
| Provision for loan and lease losses | $681,000 | 2,982 |
| Total noninterest income | $2,360,000 | 1,795 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,421,000 | 1,040 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $939,000 | 2,225 |
| Total noninterest expense | $8,576,000 | 2,215 |
| Salaries and employee benefits | $3,800,000 | 2,524 |
| Premises and equipment expense | $1,278,000 | 1,939 |
| Additional noninterest expense | $3,498,000 | 1,923 |
| Pre-tax net operating income | $629,000 | 4,447 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $163,000 | 3,058 |
| Income before extraordinary items | $466,000 | 4,754 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $466,000 | 4,756 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $466,000 | 4,755 |
| Net charge-offs | $1,166,000 | 2,180 |
| Cash dividends | $134,000 | 3,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $466,000 | 4,624 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,270,000 | 3,242 |
| Total interest expense | $644,000 | 4,872 |
| Net interest income | $5,626,000 | 2,900 |
| Provision for loan and lease losses | $281,000 | 3,700 |
| Total noninterest income | $1,855,000 | 1,703 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,095,000 | 1,011 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $760,000 | 2,116 |
| Total noninterest expense | $6,365,000 | 2,252 |
| Salaries and employee benefits | $2,835,000 | 2,538 |
| Premises and equipment expense | $956,000 | 1,960 |
| Additional noninterest expense | $2,574,000 | 1,967 |
| Pre-tax net operating income | $835,000 | 3,632 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $274,000 | 2,357 |
| Income before extraordinary items | $561,000 | 4,137 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $561,000 | 4,139 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $561,000 | 4,139 |
| Net charge-offs | $617,000 | 2,431 |
| Cash dividends | $134,000 | 2,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $561,000 | 4,020 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,096,000 | 3,324 |
| Total interest expense | $448,000 | 4,891 |
| Net interest income | $3,648,000 | 2,976 |
| Provision for loan and lease losses | $127,000 | 4,108 |
| Total noninterest income | $1,238,000 | 1,696 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $735,000 | 994 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $503,000 | 2,085 |
| Total noninterest expense | $4,291,000 | 2,241 |
| Salaries and employee benefits | $1,888,000 | 2,549 |
| Premises and equipment expense | $623,000 | 2,027 |
| Additional noninterest expense | $1,780,000 | 1,918 |
| Pre-tax net operating income | $468,000 | 3,927 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $144,000 | 2,553 |
| Income before extraordinary items | $324,000 | 4,333 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $324,000 | 4,332 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $324,000 | 4,334 |
| Net charge-offs | $258,000 | 2,849 |
| Cash dividends | $67,000 | 3,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $324,000 | 4,249 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,002,000 | 3,408 |
| Total interest expense | $233,000 | 4,915 |
| Net interest income | $1,769,000 | 3,044 |
| Provision for loan and lease losses | $55,000 | 4,094 |
| Total noninterest income | $618,000 | 1,713 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $381,000 | 945 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $237,000 | 2,229 |
| Total noninterest expense | $2,124,000 | 2,276 |
| Salaries and employee benefits | $938,000 | 2,582 |
| Premises and equipment expense | $307,000 | 2,084 |
| Additional noninterest expense | $879,000 | 1,926 |
| Pre-tax net operating income | $208,000 | 4,176 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $60,000 | 2,687 |
| Income before extraordinary items | $148,000 | 4,481 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $148,000 | 4,480 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $148,000 | 4,481 |
| Net charge-offs | $152,000 | 2,347 |
| Cash dividends | $67,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $148,000 | 4,420 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,444,000 | 3,404 |
| Total interest expense | $1,131,000 | 4,952 |
| Net interest income | $7,313,000 | 2,966 |
| Provision for loan and lease losses | $1,177,000 | 2,808 |
| Total noninterest income | $2,817,000 | 1,621 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,830,000 | 828 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $987,000 | 2,195 |
| Total noninterest expense | $8,549,000 | 2,264 |
| Salaries and employee benefits | $3,750,000 | 2,558 |
| Premises and equipment expense | $1,185,000 | 2,127 |
| Additional noninterest expense | $3,614,000 | 1,960 |
| Pre-tax net operating income | $404,000 | 4,619 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $81,000 | 3,381 |
| Income before extraordinary items | $323,000 | 4,869 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $323,000 | 4,872 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $323,000 | 4,872 |
| Net charge-offs | $715,000 | 3,143 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $1,613,000 | 309 |
| Net operating income | $323,000 | 4,717 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,328,000 | 3,477 |
| Total interest expense | $883,000 | 5,021 |
| Net interest income | $5,445,000 | 3,020 |
| Provision for loan and lease losses | $1,180,000 | 2,294 |
| Total noninterest income | $2,110,000 | 1,625 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,414,000 | 819 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $696,000 | 2,271 |
| Total noninterest expense | $6,401,000 | 2,271 |
| Salaries and employee benefits | $2,898,000 | 2,501 |
| Premises and equipment expense | $876,000 | 2,191 |
| Additional noninterest expense | $2,627,000 | 1,970 |
| Pre-tax net operating income | $-26,000 | 6,036 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-72,000 | 7,025 |
| Income before extraordinary items | $46,000 | 5,948 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $46,000 | 5,948 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $46,000 | 5,948 |
| Net charge-offs | $674,000 | 2,688 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $1,613,000 | 236 |
| Net operating income | $46,000 | 5,826 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,232,000 | 3,499 |
| Total interest expense | $609,000 | 5,041 |
| Net interest income | $3,623,000 | 3,032 |
| Provision for loan and lease losses | $1,025,000 | 1,908 |
| Total noninterest income | $1,420,000 | 1,570 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $962,000 | 800 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $458,000 | 2,216 |
| Total noninterest expense | $4,320,000 | 2,239 |
| Salaries and employee benefits | $1,976,000 | 2,457 |
| Premises and equipment expense | $573,000 | 2,254 |
| Additional noninterest expense | $1,771,000 | 1,948 |
| Pre-tax net operating income | $-302,000 | 6,578 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-165,000 | 7,283 |
| Income before extraordinary items | $-137,000 | 6,477 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-137,000 | 6,479 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-137,000 | 6,477 |
| Net charge-offs | $566,000 | 2,306 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $1,613,000 | 165 |
| Net operating income | $-137,000 | 6,413 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,113,000 | 3,572 |
| Total interest expense | $322,000 | 5,015 |
| Net interest income | $1,791,000 | 3,085 |
| Provision for loan and lease losses | $703,000 | 1,463 |
| Total noninterest income | $701,000 | 1,598 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $485,000 | 807 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $216,000 | 2,283 |
| Total noninterest expense | $2,175,000 | 2,241 |
| Salaries and employee benefits | $1,013,000 | 2,445 |
| Premises and equipment expense | $268,000 | 2,436 |
| Additional noninterest expense | $894,000 | 1,917 |
| Pre-tax net operating income | $-386,000 | 7,081 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-184,000 | 7,547 |
| Income before extraordinary items | $-202,000 | 6,932 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-202,000 | 6,933 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-202,000 | 6,932 |
| Net charge-offs | $478,000 | 1,614 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $1,579,000 | 99 |
| Net operating income | $-202,000 | 6,896 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,045,000 | 3,495 |
| Total interest expense | $1,893,000 | 4,612 |
| Net interest income | $7,152,000 | 3,012 |
| Provision for loan and lease losses | $3,701,000 | 1,735 |
| Total noninterest income | $2,882,000 | 1,656 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,972,000 | 872 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $910,000 | 2,270 |
| Total noninterest expense | $8,410,000 | 2,350 |
| Salaries and employee benefits | $3,958,000 | 2,469 |
| Premises and equipment expense | $1,101,000 | 2,375 |
| Additional noninterest expense | $3,351,000 | 2,140 |
| Pre-tax net operating income | $-2,077,000 | 6,652 |
| Securities gains (losses) | $-8,000 | 6,985 |
| Applicable income taxes | $-951,000 | 7,261 |
| Income before extraordinary items | $-1,134,000 | 6,424 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,134,000 | 6,425 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,134,000 | 6,425 |
| Net charge-offs | $3,379,000 | 1,496 |
| Cash dividends | $95,000 | 4,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,128,880 | 6,418 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,786,000 | 3,536 |
| Total interest expense | $1,514,000 | 4,573 |
| Net interest income | $5,272,000 | 3,049 |
| Provision for loan and lease losses | $3,173,000 | 1,431 |
| Total noninterest income | $2,105,000 | 1,717 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,434,000 | 901 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $671,000 | 2,354 |
| Total noninterest expense | $6,276,000 | 2,352 |
| Salaries and employee benefits | $3,029,000 | 2,458 |
| Premises and equipment expense | $828,000 | 2,401 |
| Additional noninterest expense | $2,419,000 | 2,173 |
| Pre-tax net operating income | $-2,072,000 | 7,065 |
| Securities gains (losses) | $-8,000 | 7,209 |
| Applicable income taxes | $-938,000 | 7,541 |
| Income before extraordinary items | $-1,142,000 | 6,819 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,142,000 | 6,819 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,142,000 | 6,820 |
| Net charge-offs | $1,805,000 | 1,598 |
| Cash dividends | $95,000 | 3,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,136,880 | 6,811 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,470,000 | 3,608 |
| Total interest expense | $1,052,000 | 4,570 |
| Net interest income | $3,418,000 | 3,111 |
| Provision for loan and lease losses | $1,815,000 | 1,488 |
| Total noninterest income | $1,385,000 | 1,743 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $929,000 | 916 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $456,000 | 2,348 |
| Total noninterest expense | $4,189,000 | 2,390 |
| Salaries and employee benefits | $2,035,000 | 2,475 |
| Premises and equipment expense | $532,000 | 2,507 |
| Additional noninterest expense | $1,622,000 | 2,180 |
| Pre-tax net operating income | $-1,201,000 | 7,119 |
| Securities gains (losses) | $-8,000 | 7,458 |
| Applicable income taxes | $-552,000 | 7,611 |
| Income before extraordinary items | $-657,000 | 6,909 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-657,000 | 6,909 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-657,000 | 6,909 |
| Net charge-offs | $1,576,000 | 1,304 |
| Cash dividends | $95,000 | 3,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-651,880 | 6,888 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,217,000 | 3,665 |
| Total interest expense | $563,000 | 4,510 |
| Net interest income | $1,654,000 | 3,185 |
| Provision for loan and lease losses | $1,501,000 | 912 |
| Total noninterest income | $674,000 | 1,738 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $450,000 | 908 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $224,000 | 2,356 |
| Total noninterest expense | $2,090,000 | 2,326 |
| Salaries and employee benefits | $1,022,000 | 2,505 |
| Premises and equipment expense | $260,000 | 2,597 |
| Additional noninterest expense | $808,000 | 1,973 |
| Pre-tax net operating income | $-1,263,000 | 7,705 |
| Securities gains (losses) | $-8,000 | 7,812 |
| Applicable income taxes | $-551,000 | 7,893 |
| Income before extraordinary items | $-720,000 | 7,590 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-720,000 | 7,591 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-720,000 | 7,591 |
| Net charge-offs | $165,000 | 2,321 |
| Cash dividends | $95,000 | 2,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-714,880 | 7,577 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,053,000 | 3,263 |
| Total interest expense | $2,150,000 | 5,130 |
| Net interest income | $8,903,000 | 2,446 |
| Provision for loan and lease losses | $1,140,000 | 2,515 |
| Total noninterest income | $3,042,000 | 1,555 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,072,000 | 852 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $970,000 | 2,163 |
| Total noninterest expense | $8,576,000 | 2,231 |
| Salaries and employee benefits | $4,295,000 | 2,355 |
| Premises and equipment expense | $1,132,000 | 2,360 |
| Additional noninterest expense | $3,149,000 | 1,928 |
| Pre-tax net operating income | $2,229,000 | 2,277 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $807,000 | 1,392 |
| Income before extraordinary items | $1,422,000 | 2,609 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,422,000 | 2,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 3,586 |
| Cash dividends | $551,000 | 3,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,422,000 | 2,761 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,315,000 | 3,311 |
| Total interest expense | $1,587,000 | 5,291 |
| Net interest income | $6,728,000 | 2,450 |
| Provision for loan and lease losses | $568,000 | 2,548 |
| Total noninterest income | $2,285,000 | 1,604 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,544,000 | 856 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $741,000 | 2,226 |
| Total noninterest expense | $6,262,000 | 2,284 |
| Salaries and employee benefits | $3,221,000 | 2,373 |
| Premises and equipment expense | $840,000 | 2,387 |
| Additional noninterest expense | $2,201,000 | 1,973 |
| Pre-tax net operating income | $2,183,000 | 2,162 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $815,000 | 1,356 |
| Income before extraordinary items | $1,368,000 | 2,501 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,368,000 | 2,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,770 |
| Cash dividends | $494,000 | 2,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,368,000 | 2,624 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,611,000 | 3,333 |
| Total interest expense | $1,089,000 | 5,368 |
| Net interest income | $4,522,000 | 2,416 |
| Provision for loan and lease losses | $308,000 | 2,494 |
| Total noninterest income | $1,506,000 | 1,646 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,015,000 | 852 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $491,000 | 2,279 |
| Total noninterest expense | $4,129,000 | 2,316 |
| Salaries and employee benefits | $2,134,000 | 2,417 |
| Premises and equipment expense | $547,000 | 2,438 |
| Additional noninterest expense | $1,448,000 | 1,986 |
| Pre-tax net operating income | $1,591,000 | 2,082 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $599,000 | 1,395 |
| Income before extraordinary items | $992,000 | 2,582 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $992,000 | 2,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 2,994 |
| Cash dividends | $380,000 | 2,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $992,000 | 2,540 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,867,000 | 3,351 |
| Total interest expense | $609,000 | 5,248 |
| Net interest income | $2,258,000 | 2,429 |
| Provision for loan and lease losses | $147,000 | 2,221 |
| Total noninterest income | $739,000 | 1,666 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $503,000 | 855 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $236,000 | 2,310 |
| Total noninterest expense | $2,061,000 | 2,309 |
| Salaries and employee benefits | $1,077,000 | 2,415 |
| Premises and equipment expense | $271,000 | 2,484 |
| Additional noninterest expense | $713,000 | 1,976 |
| Pre-tax net operating income | $789,000 | 2,182 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $296,000 | 1,494 |
| Income before extraordinary items | $493,000 | 2,729 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $493,000 | 2,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,916 |
| Cash dividends | $190,000 | 2,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $493,000 | 2,654 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,134,000 | 3,258 |
| Total interest expense | $2,781,000 | 4,991 |
| Net interest income | $9,353,000 | 2,381 |
| Provision for loan and lease losses | $205,000 | 3,814 |
| Total noninterest income | $3,174,000 | 1,574 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,068,000 | 865 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,106,000 | 2,092 |
| Total noninterest expense | $8,126,000 | 2,257 |
| Salaries and employee benefits | $3,918,000 | 2,534 |
| Premises and equipment expense | $1,155,000 | 2,243 |
| Additional noninterest expense | $3,053,000 | 1,807 |
| Pre-tax net operating income | $4,196,000 | 1,900 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $1,621,000 | 1,333 |
| Income before extraordinary items | $2,574,000 | 2,291 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,574,000 | 2,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $547,000 | 1,586 |
| Cash dividends | $928,000 | 2,761 |
| Sale, conversion, retirement of capital stock, net | $-400,000 | 8,473 |
| Net operating income | $2,574,640 | 2,287 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,989,000 | 3,293 |
| Total interest expense | $2,047,000 | 5,049 |
| Net interest income | $6,942,000 | 2,413 |
| Provision for loan and lease losses | $111,000 | 3,958 |
| Total noninterest income | $2,366,000 | 1,586 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,517,000 | 870 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $849,000 | 2,044 |
| Total noninterest expense | $6,012,000 | 2,259 |
| Salaries and employee benefits | $2,892,000 | 2,566 |
| Premises and equipment expense | $874,000 | 2,210 |
| Additional noninterest expense | $2,246,000 | 1,798 |
| Pre-tax net operating income | $3,185,000 | 2,003 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $1,233,000 | 1,418 |
| Income before extraordinary items | $1,951,000 | 2,423 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,951,000 | 2,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,465 |
| Cash dividends | $738,000 | 2,418 |
| Sale, conversion, retirement of capital stock, net | $-400,000 | 8,514 |
| Net operating income | $1,951,640 | 2,398 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,742,000 | 3,420 |
| Total interest expense | $1,290,000 | 5,209 |
| Net interest income | $4,452,000 | 2,509 |
| Provision for loan and lease losses | $6,000 | 5,907 |
| Total noninterest income | $1,556,000 | 1,631 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $964,000 | 921 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $592,000 | 2,002 |
| Total noninterest expense | $3,964,000 | 2,308 |
| Salaries and employee benefits | $1,897,000 | 2,636 |
| Premises and equipment expense | $595,000 | 2,172 |
| Additional noninterest expense | $1,472,000 | 1,839 |
| Pre-tax net operating income | $2,038,000 | 2,121 |
| Securities gains (losses) | $-1,000 | 7,616 |
| Applicable income taxes | $786,000 | 1,505 |
| Income before extraordinary items | $1,251,000 | 2,553 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,251,000 | 2,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,413 |
| Cash dividends | $546,000 | 2,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,251,640 | 2,535 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,781,000 | 3,493 |
| Total interest expense | $594,000 | 5,410 |
| Net interest income | $2,187,000 | 2,550 |
| Provision for loan and lease losses | $-2,000 | 8,388 |
| Total noninterest income | $751,000 | 1,641 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $449,000 | 958 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $302,000 | 1,956 |
| Total noninterest expense | $1,984,000 | 2,301 |
| Salaries and employee benefits | $950,000 | 2,669 |
| Premises and equipment expense | $296,000 | 2,208 |
| Additional noninterest expense | $738,000 | 1,806 |
| Pre-tax net operating income | $956,000 | 2,251 |
| Securities gains (losses) | $-1,000 | 7,986 |
| Applicable income taxes | $368,000 | 1,611 |
| Income before extraordinary items | $587,000 | 2,677 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $587,000 | 2,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $351,000 | 1,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $587,640 | 2,663 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,210,000 | 3,267 |
| Total interest expense | $2,114,000 | 5,246 |
| Net interest income | $9,096,000 | 2,492 |
| Provision for loan and lease losses | $344,000 | 2,554 |
| Total noninterest income | $2,951,000 | 1,657 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,740,000 | 1,022 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,211,000 | 1,951 |
| Total noninterest expense | $7,884,000 | 2,240 |
| Salaries and employee benefits | $3,811,000 | 2,548 |
| Premises and equipment expense | $1,287,000 | 1,954 |
| Additional noninterest expense | $2,786,000 | 1,888 |
| Pre-tax net operating income | $3,819,000 | 2,336 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,471,000 | 1,689 |
| Income before extraordinary items | $2,348,000 | 2,755 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,348,000 | 2,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,703 |
| Cash dividends | $625,000 | 3,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,348,000 | 2,745 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,277,000 | 3,280 |
| Total interest expense | $1,518,000 | 5,302 |
| Net interest income | $6,759,000 | 2,539 |
| Provision for loan and lease losses | $260,000 | 2,394 |
| Total noninterest income | $2,215,000 | 1,662 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,309,000 | 1,020 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $906,000 | 1,966 |
| Total noninterest expense | $5,973,000 | 2,210 |
| Salaries and employee benefits | $2,840,000 | 2,564 |
| Premises and equipment expense | $989,000 | 1,924 |
| Additional noninterest expense | $2,144,000 | 1,804 |
| Pre-tax net operating income | $2,741,000 | 2,480 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,052,000 | 1,818 |
| Income before extraordinary items | $1,689,000 | 2,934 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,689,000 | 2,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,367 |
| Cash dividends | $625,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,689,000 | 2,924 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,351,000 | 3,326 |
| Total interest expense | $936,000 | 5,399 |
| Net interest income | $4,415,000 | 2,590 |
| Provision for loan and lease losses | $175,000 | 2,349 |
| Total noninterest income | $1,476,000 | 1,669 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $860,000 | 1,024 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $616,000 | 1,924 |
| Total noninterest expense | $3,948,000 | 2,236 |
| Salaries and employee benefits | $1,869,000 | 2,594 |
| Premises and equipment expense | $655,000 | 1,920 |
| Additional noninterest expense | $1,424,000 | 1,839 |
| Pre-tax net operating income | $1,768,000 | 2,545 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $677,000 | 1,882 |
| Income before extraordinary items | $1,091,000 | 3,003 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,091,000 | 3,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,252 |
| Cash dividends | $293,000 | 3,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,091,000 | 2,990 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,605,000 | 3,332 |
| Total interest expense | $418,000 | 5,575 |
| Net interest income | $2,187,000 | 2,589 |
| Provision for loan and lease losses | $80,000 | 2,332 |
| Total noninterest income | $742,000 | 1,621 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $417,000 | 1,019 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $325,000 | 1,827 |
| Total noninterest expense | $1,967,000 | 2,258 |
| Salaries and employee benefits | $932,000 | 2,606 |
| Premises and equipment expense | $324,000 | 1,952 |
| Additional noninterest expense | $711,000 | 1,840 |
| Pre-tax net operating income | $882,000 | 2,507 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $338,000 | 1,860 |
| Income before extraordinary items | $544,000 | 2,953 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $544,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $293,000 | 2,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $544,000 | 2,937 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,957,000 | 3,437 |
| Total interest expense | $1,197,000 | 5,816 |
| Net interest income | $7,760,000 | 2,782 |
| Provision for loan and lease losses | $242,000 | 3,228 |
| Total noninterest income | $2,907,000 | 1,660 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,663,000 | 1,064 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,244,000 | 1,916 |
| Total noninterest expense | $7,477,000 | 2,243 |
| Salaries and employee benefits | $3,386,000 | 2,674 |
| Premises and equipment expense | $1,196,000 | 2,004 |
| Additional noninterest expense | $2,895,000 | 1,749 |
| Pre-tax net operating income | $2,948,000 | 2,796 |
| Securities gains (losses) | $-32,000 | 8,024 |
| Applicable income taxes | $1,098,000 | 2,132 |
| Income before extraordinary items | $1,818,000 | 3,334 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,818,000 | 3,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,338 |
| Cash dividends | $488,000 | 3,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,838,480 | 3,269 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,498,000 | 3,474 |
| Total interest expense | $828,000 | 5,927 |
| Net interest income | $5,670,000 | 2,816 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $2,208,000 | 1,641 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,247,000 | 1,064 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $961,000 | 1,873 |
| Total noninterest expense | $5,460,000 | 2,279 |
| Salaries and employee benefits | $2,501,000 | 2,671 |
| Premises and equipment expense | $832,000 | 2,149 |
| Additional noninterest expense | $2,127,000 | 1,755 |
| Pre-tax net operating income | $2,268,000 | 2,776 |
| Securities gains (losses) | $-32,000 | 8,352 |
| Applicable income taxes | $846,000 | 2,120 |
| Income before extraordinary items | $1,390,000 | 3,325 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,390,000 | 3,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,785 |
| Cash dividends | $488,000 | 2,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,410,480 | 3,242 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,185,000 | 3,498 |
| Total interest expense | $509,000 | 6,004 |
| Net interest income | $3,676,000 | 2,871 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $1,441,000 | 1,651 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $839,000 | 1,027 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $602,000 | 1,924 |
| Total noninterest expense | $3,582,000 | 2,301 |
| Salaries and employee benefits | $1,607,000 | 2,751 |
| Premises and equipment expense | $547,000 | 2,171 |
| Additional noninterest expense | $1,428,000 | 1,730 |
| Pre-tax net operating income | $1,445,000 | 2,839 |
| Securities gains (losses) | $-32,000 | 8,496 |
| Applicable income taxes | $524,000 | 2,207 |
| Income before extraordinary items | $889,000 | 3,388 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $889,000 | 3,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,599 |
| Cash dividends | $234,000 | 3,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $909,480 | 3,283 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,995,000 | 3,604 |
| Total interest expense | $222,000 | 6,271 |
| Net interest income | $1,773,000 | 2,953 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $706,000 | 1,635 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $401,000 | 1,030 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $305,000 | 1,878 |
| Total noninterest expense | $1,842,000 | 2,251 |
| Salaries and employee benefits | $805,000 | 2,755 |
| Premises and equipment expense | $275,000 | 2,169 |
| Additional noninterest expense | $762,000 | 1,616 |
| Pre-tax net operating income | $592,000 | 3,254 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $211,000 | 2,509 |
| Income before extraordinary items | $381,000 | 3,737 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $381,000 | 3,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $234,000 | 2,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $381,000 | 3,698 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,095,000 | 3,762 |
| Total interest expense | $819,000 | 6,195 |
| Net interest income | $6,276,000 | 3,174 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $3,051,000 | 1,577 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,753,000 | 1,012 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,298,000 | 1,808 |
| Total noninterest expense | $7,065,000 | 2,262 |
| Salaries and employee benefits | $3,125,000 | 2,739 |
| Premises and equipment expense | $1,196,000 | 1,923 |
| Additional noninterest expense | $2,744,000 | 1,779 |
| Pre-tax net operating income | $2,082,000 | 3,406 |
| Securities gains (losses) | $-3,000 | 7,966 |
| Applicable income taxes | $766,000 | 2,603 |
| Income before extraordinary items | $1,313,000 | 3,959 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,313,000 | 3,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,112 |
| Cash dividends | $390,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,314,920 | 3,895 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,178,000 | 3,822 |
| Total interest expense | $602,000 | 6,240 |
| Net interest income | $4,576,000 | 3,239 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $2,280,000 | 1,598 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,293,000 | 1,038 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $987,000 | 1,783 |
| Total noninterest expense | $5,315,000 | 2,227 |
| Salaries and employee benefits | $2,412,000 | 2,647 |
| Premises and equipment expense | $937,000 | 1,850 |
| Additional noninterest expense | $1,966,000 | 1,826 |
| Pre-tax net operating income | $1,406,000 | 3,738 |
| Securities gains (losses) | $-3,000 | 8,248 |
| Applicable income taxes | $507,000 | 2,874 |
| Income before extraordinary items | $896,000 | 4,282 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $896,000 | 4,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,844 |
| Cash dividends | $390,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $897,920 | 4,207 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,340,000 | 3,927 |
| Total interest expense | $397,000 | 6,308 |
| Net interest income | $2,943,000 | 3,319 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $1,531,000 | 1,563 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $822,000 | 1,079 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $709,000 | 1,701 |
| Total noninterest expense | $3,517,000 | 2,251 |
| Salaries and employee benefits | $1,615,000 | 2,647 |
| Premises and equipment expense | $581,000 | 1,981 |
| Additional noninterest expense | $1,321,000 | 1,808 |
| Pre-tax net operating income | $867,000 | 3,902 |
| Securities gains (losses) | $-3,000 | 8,495 |
| Applicable income taxes | $305,000 | 3,060 |
| Income before extraordinary items | $559,000 | 4,431 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $559,000 | 4,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,509 |
| Cash dividends | $195,000 | 3,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $560,950 | 4,339 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,652,000 | 3,951 |
| Total interest expense | $201,000 | 6,338 |
| Net interest income | $1,451,000 | 3,350 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $729,000 | 1,612 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $394,000 | 1,084 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $335,000 | 1,747 |
| Total noninterest expense | $1,748,000 | 2,275 |
| Salaries and employee benefits | $810,000 | 2,655 |
| Premises and equipment expense | $275,000 | 2,111 |
| Additional noninterest expense | $663,000 | 1,794 |
| Pre-tax net operating income | $387,000 | 4,163 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $136,000 | 3,265 |
| Income before extraordinary items | $251,000 | 4,743 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $251,000 | 4,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,736 |
| Cash dividends | $195,000 | 2,244 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $251,000 | 4,622 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,570,000 | 4,012 |
| Total interest expense | $1,161,000 | 5,672 |
| Net interest income | $5,409,000 | 3,478 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $3,877,000 | 1,380 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,704,000 | 1,021 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,173,000 | 1,384 |
| Total noninterest expense | $7,208,000 | 2,187 |
| Salaries and employee benefits | $3,177,000 | 2,646 |
| Premises and equipment expense | $1,048,000 | 2,171 |
| Additional noninterest expense | $2,983,000 | 1,636 |
| Pre-tax net operating income | $1,898,000 | 3,507 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $677,000 | 2,860 |
| Income before extraordinary items | $1,221,000 | 4,097 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,221,000 | 4,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 2,240 |
| Cash dividends | $312,000 | 4,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,221,000 | 3,919 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,917,000 | 4,067 |
| Total interest expense | $945,000 | 5,550 |
| Net interest income | $3,972,000 | 3,543 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $3,161,000 | 1,324 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,287,000 | 1,017 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,874,000 | 1,297 |
| Total noninterest expense | $5,571,000 | 2,123 |
| Salaries and employee benefits | $2,489,000 | 2,531 |
| Premises and equipment expense | $789,000 | 2,173 |
| Additional noninterest expense | $2,293,000 | 1,597 |
| Pre-tax net operating income | $1,427,000 | 3,622 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $511,000 | 2,982 |
| Income before extraordinary items | $916,000 | 4,238 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $916,000 | 4,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 1,567 |
| Cash dividends | $312,000 | 3,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $916,000 | 4,057 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,286,000 | 4,106 |
| Total interest expense | $715,000 | 5,272 |
| Net interest income | $2,571,000 | 3,623 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $2,272,000 | 1,241 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $849,000 | 1,010 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,423,000 | 1,178 |
| Total noninterest expense | $3,739,000 | 2,107 |
| Salaries and employee benefits | $1,667,000 | 2,516 |
| Premises and equipment expense | $529,000 | 2,149 |
| Additional noninterest expense | $1,543,000 | 1,574 |
| Pre-tax net operating income | $1,014,000 | 3,491 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $375,000 | 2,816 |
| Income before extraordinary items | $639,000 | 4,114 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $639,000 | 4,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $335,000 | 1,155 |
| Cash dividends | $156,000 | 3,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $639,000 | 3,921 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,609,000 | 4,215 |
| Total interest expense | $284,000 | 6,116 |
| Net interest income | $1,325,000 | 3,526 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $1,103,000 | 1,251 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $422,000 | 982 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $681,000 | 1,184 |
| Total noninterest expense | $1,835,000 | 2,135 |
| Salaries and employee benefits | $855,000 | 2,464 |
| Premises and equipment expense | $263,000 | 2,152 |
| Additional noninterest expense | $717,000 | 1,641 |
| Pre-tax net operating income | $548,000 | 3,291 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $208,000 | 2,624 |
| Income before extraordinary items | $340,000 | 3,883 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $340,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 726 |
| Cash dividends | $156,000 | 2,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $340,000 | 3,703 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,688,000 | 4,206 |
| Total interest expense | $1,509,000 | 5,700 |
| Net interest income | $5,179,000 | 3,558 |
| Provision for loan and lease losses | $66,000 | 6,366 |
| Total noninterest income | $3,323,000 | 1,444 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $920,000 | 1,743 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,403,000 | 1,156 |
| Total noninterest expense | $6,811,000 | 2,191 |
| Salaries and employee benefits | $3,034,000 | 2,598 |
| Premises and equipment expense | $988,000 | 2,206 |
| Additional noninterest expense | $2,789,000 | 1,681 |
| Pre-tax net operating income | $1,625,000 | 3,897 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $600,000 | 3,120 |
| Income before extraordinary items | $1,025,000 | 4,527 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,025,000 | 4,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,689 |
| Cash dividends | $286,000 | 4,413 |
| Sale, conversion, retirement of capital stock, net | $-591,000 | 9,305 |
| Net operating income | $1,025,000 | 4,405 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,434,000 | 4,260 |
| Total interest expense | $2,772,000 | 5,031 |
| Net interest income | $4,662,000 | 3,636 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $2,779,000 | 1,568 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $728,000 | 2,070 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,051,000 | 1,227 |
| Total noninterest expense | $5,845,000 | 2,442 |
| Salaries and employee benefits | $2,389,000 | 3,071 |
| Premises and equipment expense | $861,000 | 2,456 |
| Additional noninterest expense | $2,595,000 | 1,764 |
| Pre-tax net operating income | $1,506,000 | 3,851 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $591,000 | 3,004 |
| Income before extraordinary items | $915,000 | 4,518 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $915,000 | 4,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 3,258 |
| Cash dividends | $298,000 | 4,423 |
| Sale, conversion, retirement of capital stock, net | $-367,000 | 9,544 |
| Net operating income | $915,000 | 4,408 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,076,000 | 4,099 |
| Total interest expense | $3,276,000 | 4,607 |
| Net interest income | $4,800,000 | 3,604 |
| Provision for loan and lease losses | $100,000 | 5,274 |
| Total noninterest income | $1,589,000 | 2,250 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $894,000 | 1,532 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $695,000 | 2,373 |
| Total noninterest expense | $5,207,000 | 2,616 |
| Salaries and employee benefits | $2,435,000 | 2,901 |
| Premises and equipment expense | $908,000 | 2,273 |
| Additional noninterest expense | $1,864,000 | 2,305 |
| Pre-tax net operating income | $1,082,000 | 5,049 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $396,000 | 3,994 |
| Income before extraordinary items | $686,000 | 5,478 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $686,000 | 5,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,349 |
| Cash dividends | $250,000 | 4,756 |
| Sale, conversion, retirement of capital stock, net | $-250,000 | 9,807 |
| Net operating income | $686,000 | 5,477 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,655,000 | 4,091 |
| Total interest expense | $2,884,000 | 4,738 |
| Net interest income | $4,771,000 | 3,601 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $2,115,000 | 1,787 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $847,000 | 1,555 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,268,000 | 1,569 |
| Total noninterest expense | $5,625,000 | 2,414 |
| Salaries and employee benefits | $2,434,000 | 2,877 |
| Premises and equipment expense | $1,115,000 | 1,830 |
| Additional noninterest expense | $2,076,000 | 2,095 |
| Pre-tax net operating income | $1,141,000 | 4,920 |
| Securities gains (losses) | $13,000 | 1,614 |
| Applicable income taxes | $389,000 | 4,244 |
| Income before extraordinary items | $765,000 | 5,214 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $765,000 | 5,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,038 |
| Cash dividends | $282,000 | 4,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $756,420 | 5,216 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,287,000 | 3,822 |
| Total interest expense | $3,284,000 | 4,393 |
| Net interest income | $5,003,000 | 3,389 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $2,062,000 | 1,791 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $778,000 | 1,636 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,284,000 | 1,556 |
| Total noninterest expense | $6,082,000 | 2,144 |
| Salaries and employee benefits | $2,559,000 | 2,646 |
| Premises and equipment expense | $797,000 | 2,456 |
| Additional noninterest expense | $2,726,000 | 1,582 |
| Pre-tax net operating income | $683,000 | 6,551 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $184,000 | 6,363 |
| Income before extraordinary items | $501,000 | 6,610 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $501,000 | 6,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,816 |
| Cash dividends | $364,000 | 4,180 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 774 |
| Net operating income | $499,540 | 6,501 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,421,000 | 3,433 |
| Total interest expense | $3,976,000 | 3,696 |
| Net interest income | $5,445,000 | 3,204 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $2,131,000 | 1,681 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $735,000 | 1,768 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,396,000 | 1,391 |
| Total noninterest expense | $6,590,000 | 1,958 |
| Salaries and employee benefits | $2,747,000 | 2,426 |
| Premises and equipment expense | $698,000 | 2,740 |
| Additional noninterest expense | $3,145,000 | 1,380 |
| Pre-tax net operating income | $686,000 | 7,031 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $198,000 | 6,902 |
| Income before extraordinary items | $491,000 | 7,031 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $491,000 | 7,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,636 |
| Cash dividends | $193,000 | 5,495 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 764 |
| Net operating income | $488,870 | 6,995 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,723,000 | 3,065 |
| Total interest expense | $4,755,000 | 3,143 |
| Net interest income | $5,968,000 | 2,965 |
| Provision for loan and lease losses | $549,000 | 1,628 |
| Total noninterest income | $1,589,000 | 2,200 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $625,000 | 2,160 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $964,000 | 1,869 |
| Total noninterest expense | $7,859,000 | 1,801 |
| Salaries and employee benefits | $2,917,000 | 2,274 |
| Premises and equipment expense | $776,000 | 2,526 |
| Additional noninterest expense | $4,166,000 | 1,315 |
| Pre-tax net operating income | $-851,000 | 11,317 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $-401,000 | 11,330 |
| Income before extraordinary items | $-447,000 | 11,246 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-447,000 | 11,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $398,000 | 1,694 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 660 |
| Net operating income | $-448,920 | 11,216 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,514,000 | 3,151 |
| Total interest expense | $4,473,000 | 3,322 |
| Net interest income | $6,041,000 | 2,949 |
| Provision for loan and lease losses | $530,000 | 1,496 |
| Total noninterest income | $1,600,000 | 2,184 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $645,000 | 2,105 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $955,000 | 1,854 |
| Total noninterest expense | $6,394,000 | 2,153 |
| Salaries and employee benefits | $2,669,000 | 2,504 |
| Premises and equipment expense | $928,000 | 2,165 |
| Additional noninterest expense | $2,797,000 | 1,800 |
| Pre-tax net operating income | $717,000 | 7,244 |
| Securities gains (losses) | $-26,000 | 10,740 |
| Applicable income taxes | $246,000 | 6,705 |
| Income before extraordinary items | $445,000 | 7,680 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $445,000 | 7,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 1,444 |
| Cash dividends | $226,000 | 5,188 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 561 |
| Net operating income | $461,640 | 7,519 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,041,000 | 3,316 |
| Total interest expense | $3,295,000 | 3,641 |
| Net interest income | $5,746,000 | 3,115 |
| Provision for loan and lease losses | $143,000 | 3,723 |
| Total noninterest income | $2,106,000 | 1,776 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $715,000 | 1,882 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,391,000 | 1,465 |
| Total noninterest expense | $6,174,000 | 2,286 |
| Salaries and employee benefits | $3,014,000 | 2,203 |
| Premises and equipment expense | $993,000 | 2,052 |
| Additional noninterest expense | $2,167,000 | 2,416 |
| Pre-tax net operating income | $1,535,000 | 4,332 |
| Securities gains (losses) | $-62,000 | 11,197 |
| Applicable income taxes | $513,000 | 3,982 |
| Income before extraordinary items | $960,000 | 4,670 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $960,000 | 4,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $950,000 | 897 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,998,000 | 304 |
| Net operating income | $1,000,300 | 4,586 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,205,000 | 3,356 |
| Total interest expense | $3,053,000 | 4,058 |
| Net interest income | $6,152,000 | 2,958 |
| Provision for loan and lease losses | $1,058,000 | 1,248 |
| Total noninterest income | $3,614,000 | 1,265 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $795,000 | 1,725 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,819,000 | 1,007 |
| Total noninterest expense | $7,733,000 | 1,920 |
| Salaries and employee benefits | $3,688,000 | 1,818 |
| Premises and equipment expense | $1,089,000 | 1,905 |
| Additional noninterest expense | $2,956,000 | 1,936 |
| Pre-tax net operating income | $975,000 | 5,993 |
| Securities gains (losses) | $47,000 | 3,500 |
| Applicable income taxes | $395,000 | 5,055 |
| Income before extraordinary items | $627,000 | 6,585 |
| Extraordinary gains, net | $-51,000 | 12,731 |
| Net income | $576,000 | 7,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $607,000 | 1,570 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $596,920 | 6,559 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,380,000 | 3,368 |
| Total interest expense | $4,105,000 | 3,983 |
| Net interest income | $6,275,000 | 2,903 |
| Provision for loan and lease losses | $1,608,000 | 1,341 |
| Total noninterest income | $3,626,000 | 1,237 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $764,000 | 1,768 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,862,000 | 988 |
| Total noninterest expense | $7,530,000 | 1,963 |
| Salaries and employee benefits | $3,721,000 | 1,787 |
| Premises and equipment expense | $984,000 | 2,120 |
| Additional noninterest expense | $2,825,000 | 2,096 |
| Pre-tax net operating income | $763,000 | 6,750 |
| Securities gains (losses) | $-49,000 | 13,672 |
| Applicable income taxes | $231,000 | 6,980 |
| Income before extraordinary items | $483,000 | 7,482 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $483,000 | 7,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $925,000 | 1,634 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $516,320 | 6,818 |
* 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.