Home > First Bank of Miami > Income and Expense
First Bank of Miami, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $2,901,000 | 3,638 |
| Total interest expense | $236,000 | 4,223 |
| Net interest income | $2,665,000 | 3,532 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $683,000 | 2,647 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $369,000 | 1,675 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $314,000 | 2,979 |
| Total noninterest expense | $4,580,000 | 2,070 |
| Salaries and employee benefits | $2,142,000 | 2,354 |
| Premises and equipment expense | $760,000 | 1,562 |
| Additional noninterest expense | $1,678,000 | 1,828 |
| Pre-tax net operating income | $-1,232,000 | 6,595 |
| Securities gains (losses) | $14,000 | 1,800 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-1,218,000 | 6,595 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,218,000 | 6,595 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-1,218,000 | 6,595 |
| Net charge-offs | $30,000 | 3,174 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-1,232,000 | 6,593 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,595,000 | 3,443 |
| Total interest expense | $122,000 | 4,223 |
| Net interest income | $1,473,000 | 3,321 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $342,000 | 2,620 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $196,000 | 1,579 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $146,000 | 3,007 |
| Total noninterest expense | $2,291,000 | 2,074 |
| Salaries and employee benefits | $1,111,000 | 2,289 |
| Premises and equipment expense | $388,000 | 1,561 |
| Additional noninterest expense | $792,000 | 1,903 |
| Pre-tax net operating income | $-476,000 | 6,626 |
| Securities gains (losses) | $14,000 | 1,064 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-462,000 | 6,627 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-462,000 | 6,627 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-462,000 | 6,627 |
| Net charge-offs | $28,000 | 2,278 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-476,000 | 6,630 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,250,000 | 3,522 |
| Total interest expense | $465,000 | 4,621 |
| Net interest income | $5,785,000 | 3,352 |
| Provision for loan and lease losses | $-850,000 | 6,650 |
| Total noninterest income | $1,589,000 | 2,488 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $974,000 | 1,392 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $615,000 | 3,084 |
| Total noninterest expense | $9,878,000 | 1,918 |
| Salaries and employee benefits | $4,549,000 | 2,239 |
| Premises and equipment expense | $1,593,000 | 1,492 |
| Additional noninterest expense | $3,736,000 | 1,706 |
| Pre-tax net operating income | $-1,654,000 | 6,635 |
| Securities gains (losses) | $26,000 | 2,209 |
| Applicable income taxes | $123,000 | 3,286 |
| Income before extraordinary items | $-1,751,000 | 6,656 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,751,000 | 6,656 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-1,751,000 | 6,656 |
| Net charge-offs | $7,000 | 5,162 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 210 |
| Net operating income | $-1,777,000 | 6,649 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,823,000 | 3,485 |
| Total interest expense | $343,000 | 4,740 |
| Net interest income | $4,480,000 | 3,312 |
| Provision for loan and lease losses | $-654,000 | 6,751 |
| Total noninterest income | $1,228,000 | 2,497 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $749,000 | 1,368 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $479,000 | 3,082 |
| Total noninterest expense | $7,494,000 | 1,904 |
| Salaries and employee benefits | $3,461,000 | 2,210 |
| Premises and equipment expense | $1,184,000 | 1,522 |
| Additional noninterest expense | $2,849,000 | 1,679 |
| Pre-tax net operating income | $-1,132,000 | 6,718 |
| Securities gains (losses) | $17,000 | 2,288 |
| Applicable income taxes | $123,000 | 3,161 |
| Income before extraordinary items | $-1,238,000 | 6,738 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-1,238,000 | 6,739 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,238,000 | 6,739 |
| Net charge-offs | $-37,000 | 6,397 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,255,000 | 6,731 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,349,000 | 3,410 |
| Total interest expense | $224,000 | 4,840 |
| Net interest income | $3,125,000 | 3,189 |
| Provision for loan and lease losses | $-654,000 | 6,833 |
| Total noninterest income | $809,000 | 2,543 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $488,000 | 1,372 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $321,000 | 3,113 |
| Total noninterest expense | $4,994,000 | 1,904 |
| Salaries and employee benefits | $2,298,000 | 2,220 |
| Premises and equipment expense | $782,000 | 1,534 |
| Additional noninterest expense | $1,914,000 | 1,663 |
| Pre-tax net operating income | $-406,000 | 6,648 |
| Securities gains (losses) | $-7,000 | 6,634 |
| Applicable income taxes | $123,000 | 2,860 |
| Income before extraordinary items | $-536,000 | 6,732 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-536,000 | 6,734 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-536,000 | 6,733 |
| Net charge-offs | $-37,000 | 6,477 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-529,000 | 6,710 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,704,000 | 3,382 |
| Total interest expense | $108,000 | 5,002 |
| Net interest income | $1,596,000 | 3,149 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $459,000 | 2,344 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $248,000 | 1,341 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $211,000 | 2,710 |
| Total noninterest expense | $2,324,000 | 2,061 |
| Salaries and employee benefits | $1,103,000 | 2,309 |
| Premises and equipment expense | $380,000 | 1,600 |
| Additional noninterest expense | $841,000 | 1,859 |
| Pre-tax net operating income | $-269,000 | 6,772 |
| Securities gains (losses) | $130,000 | 598 |
| Applicable income taxes | $93,000 | 2,479 |
| Income before extraordinary items | $-232,000 | 6,777 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-232,000 | 6,777 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-232,000 | 6,777 |
| Net charge-offs | $56,000 | 2,345 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-362,000 | 6,822 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $8,088,000 | 3,078 |
| Total interest expense | $519,000 | 5,044 |
| Net interest income | $7,569,000 | 2,788 |
| Provision for loan and lease losses | $1,812,000 | 1,154 |
| Total noninterest income | $1,802,000 | 2,350 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,092,000 | 1,309 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $710,000 | 2,872 |
| Total noninterest expense | $10,551,000 | 1,826 |
| Salaries and employee benefits | $4,580,000 | 2,185 |
| Premises and equipment expense | $1,705,000 | 1,395 |
| Additional noninterest expense | $4,266,000 | 1,583 |
| Pre-tax net operating income | $-2,992,000 | 6,873 |
| Securities gains (losses) | $175,000 | 1,813 |
| Applicable income taxes | $1,555,000 | 1,073 |
| Income before extraordinary items | $-4,372,000 | 6,950 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,372,000 | 6,949 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-4,372,000 | 6,949 |
| Net charge-offs | $1,635,000 | 1,339 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-4,547,000 | 6,945 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,246,000 | 3,064 |
| Total interest expense | $411,000 | 5,074 |
| Net interest income | $5,835,000 | 2,769 |
| Provision for loan and lease losses | $1,591,000 | 1,033 |
| Total noninterest income | $1,557,000 | 2,132 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $827,000 | 1,300 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $730,000 | 2,402 |
| Total noninterest expense | $7,836,000 | 1,834 |
| Salaries and employee benefits | $3,543,000 | 2,112 |
| Premises and equipment expense | $1,290,000 | 1,398 |
| Additional noninterest expense | $3,003,000 | 1,673 |
| Pre-tax net operating income | $-2,035,000 | 6,975 |
| Securities gains (losses) | $117,000 | 1,860 |
| Applicable income taxes | $-712,000 | 7,070 |
| Income before extraordinary items | $-1,206,000 | 6,914 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,206,000 | 6,910 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,206,000 | 6,912 |
| Net charge-offs | $1,274,000 | 1,250 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-1,280,880 | 6,902 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,267,000 | 3,033 |
| Total interest expense | $301,000 | 4,970 |
| Net interest income | $3,966,000 | 2,736 |
| Provision for loan and lease losses | $1,462,000 | 821 |
| Total noninterest income | $1,110,000 | 2,010 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $544,000 | 1,300 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $566,000 | 2,170 |
| Total noninterest expense | $5,143,000 | 1,864 |
| Salaries and employee benefits | $2,397,000 | 2,075 |
| Premises and equipment expense | $855,000 | 1,389 |
| Additional noninterest expense | $1,891,000 | 1,759 |
| Pre-tax net operating income | $-1,529,000 | 7,046 |
| Securities gains (losses) | $117,000 | 1,487 |
| Applicable income taxes | $-524,000 | 7,134 |
| Income before extraordinary items | $-888,000 | 6,975 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-888,000 | 6,973 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-888,000 | 6,974 |
| Net charge-offs | $1,239,000 | 983 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-962,880 | 6,975 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,140,000 | 3,041 |
| Total interest expense | $172,000 | 4,780 |
| Net interest income | $1,968,000 | 2,761 |
| Provision for loan and lease losses | $1,264,000 | 517 |
| Total noninterest income | $562,000 | 1,990 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $271,000 | 1,299 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $291,000 | 2,142 |
| Total noninterest expense | $2,454,000 | 1,956 |
| Salaries and employee benefits | $1,200,000 | 2,088 |
| Premises and equipment expense | $452,000 | 1,322 |
| Additional noninterest expense | $802,000 | 2,027 |
| Pre-tax net operating income | $-1,188,000 | 7,174 |
| Securities gains (losses) | $13,000 | 1,721 |
| Applicable income taxes | $-438,000 | 7,246 |
| Income before extraordinary items | $-737,000 | 7,132 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-737,000 | 7,131 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-737,000 | 7,132 |
| Net charge-offs | $675,000 | 898 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-745,320 | 7,123 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,119,000 | 2,729 |
| Total interest expense | $1,106,000 | 4,163 |
| Net interest income | $9,013,000 | 2,436 |
| Provision for loan and lease losses | $3,179,000 | 1,143 |
| Total noninterest income | $2,055,000 | 1,963 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,186,000 | 1,239 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $869,000 | 2,328 |
| Total noninterest expense | $10,584,000 | 1,819 |
| Salaries and employee benefits | $4,445,000 | 2,181 |
| Premises and equipment expense | $1,761,000 | 1,421 |
| Additional noninterest expense | $4,378,000 | 1,560 |
| Pre-tax net operating income | $-2,695,000 | 6,888 |
| Securities gains (losses) | $203,000 | 1,444 |
| Applicable income taxes | $-914,000 | 7,155 |
| Income before extraordinary items | $-1,578,000 | 6,770 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,578,000 | 6,770 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,578,000 | 6,770 |
| Net charge-offs | $2,199,000 | 1,469 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 218 |
| Net operating income | $-1,707,920 | 6,765 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,840,000 | 2,688 |
| Total interest expense | $884,000 | 4,135 |
| Net interest income | $6,956,000 | 2,363 |
| Provision for loan and lease losses | $2,755,000 | 992 |
| Total noninterest income | $1,546,000 | 1,955 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $906,000 | 1,219 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $640,000 | 2,337 |
| Total noninterest expense | $7,393,000 | 1,941 |
| Salaries and employee benefits | $3,377,000 | 2,152 |
| Premises and equipment expense | $1,360,000 | 1,384 |
| Additional noninterest expense | $2,656,000 | 1,913 |
| Pre-tax net operating income | $-1,646,000 | 6,950 |
| Securities gains (losses) | $203,000 | 1,207 |
| Applicable income taxes | $-527,000 | 7,222 |
| Income before extraordinary items | $-916,000 | 6,835 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-916,000 | 6,836 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-916,000 | 6,835 |
| Net charge-offs | $1,689,000 | 1,371 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 186 |
| Net operating income | $-1,045,920 | 6,837 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,241,000 | 2,701 |
| Total interest expense | $613,000 | 4,151 |
| Net interest income | $4,628,000 | 2,371 |
| Provision for loan and lease losses | $391,000 | 2,623 |
| Total noninterest income | $1,004,000 | 1,982 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $645,000 | 1,135 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $359,000 | 2,605 |
| Total noninterest expense | $4,805,000 | 2,014 |
| Salaries and employee benefits | $2,354,000 | 2,072 |
| Premises and equipment expense | $866,000 | 1,458 |
| Additional noninterest expense | $1,585,000 | 2,135 |
| Pre-tax net operating income | $436,000 | 4,060 |
| Securities gains (losses) | $111,000 | 1,066 |
| Applicable income taxes | $218,000 | 2,135 |
| Income before extraordinary items | $329,000 | 4,311 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $329,000 | 4,310 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $329,000 | 4,312 |
| Net charge-offs | $474,000 | 2,208 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 94 |
| Net operating income | $257,960 | 4,583 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,434,000 | 2,888 |
| Total interest expense | $316,000 | 4,173 |
| Net interest income | $2,118,000 | 2,595 |
| Provision for loan and lease losses | $126,000 | 3,053 |
| Total noninterest income | $490,000 | 2,013 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $331,000 | 1,094 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $159,000 | 2,799 |
| Total noninterest expense | $2,367,000 | 2,052 |
| Salaries and employee benefits | $1,213,000 | 2,020 |
| Premises and equipment expense | $449,000 | 1,430 |
| Additional noninterest expense | $705,000 | 2,360 |
| Pre-tax net operating income | $115,000 | 4,980 |
| Securities gains (losses) | $19,000 | 1,113 |
| Applicable income taxes | $50,000 | 2,820 |
| Income before extraordinary items | $84,000 | 5,232 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $84,000 | 5,230 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $84,000 | 5,232 |
| Net charge-offs | $91,000 | 2,826 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 50 |
| Net operating income | $71,840 | 5,345 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,030,000 | 2,954 |
| Total interest expense | $1,749,000 | 3,905 |
| Net interest income | $8,281,000 | 2,639 |
| Provision for loan and lease losses | $1,209,000 | 2,764 |
| Total noninterest income | $1,817,000 | 2,209 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,525,000 | 994 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $292,000 | 3,984 |
| Total noninterest expense | $9,897,000 | 1,969 |
| Salaries and employee benefits | $4,865,000 | 1,991 |
| Premises and equipment expense | $1,638,000 | 1,556 |
| Additional noninterest expense | $3,394,000 | 2,054 |
| Pre-tax net operating income | $-1,008,000 | 6,491 |
| Securities gains (losses) | $836,000 | 574 |
| Applicable income taxes | $-44,000 | 6,700 |
| Income before extraordinary items | $-128,000 | 6,112 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-128,000 | 6,111 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-128,000 | 6,112 |
| Net charge-offs | $1,541,000 | 2,153 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-746,640 | 6,440 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,282,000 | 3,079 |
| Total interest expense | $1,342,000 | 3,997 |
| Net interest income | $5,940,000 | 2,774 |
| Provision for loan and lease losses | $1,076,000 | 2,417 |
| Total noninterest income | $2,139,000 | 1,608 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,185,000 | 988 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $954,000 | 1,855 |
| Total noninterest expense | $7,129,000 | 2,036 |
| Salaries and employee benefits | $3,573,000 | 2,026 |
| Premises and equipment expense | $1,247,000 | 1,557 |
| Additional noninterest expense | $2,309,000 | 2,219 |
| Pre-tax net operating income | $-126,000 | 6,196 |
| Securities gains (losses) | $697,000 | 563 |
| Applicable income taxes | $225,000 | 2,433 |
| Income before extraordinary items | $346,000 | 4,666 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $346,000 | 4,669 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $346,000 | 4,669 |
| Net charge-offs | $1,555,000 | 1,751 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-100,080 | 6,208 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,906,000 | 3,090 |
| Total interest expense | $903,000 | 4,065 |
| Net interest income | $4,003,000 | 2,755 |
| Provision for loan and lease losses | $490,000 | 2,890 |
| Total noninterest income | $1,391,000 | 1,599 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $820,000 | 969 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $571,000 | 1,928 |
| Total noninterest expense | $4,676,000 | 2,076 |
| Salaries and employee benefits | $2,464,000 | 1,972 |
| Premises and equipment expense | $801,000 | 1,645 |
| Additional noninterest expense | $1,411,000 | 2,373 |
| Pre-tax net operating income | $228,000 | 4,770 |
| Securities gains (losses) | $284,000 | 745 |
| Applicable income taxes | $199,000 | 2,130 |
| Income before extraordinary items | $313,000 | 4,221 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $313,000 | 4,220 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $313,000 | 4,220 |
| Net charge-offs | $1,026,000 | 1,699 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $131,240 | 5,205 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,430,000 | 3,168 |
| Total interest expense | $452,000 | 4,178 |
| Net interest income | $1,978,000 | 2,809 |
| Provision for loan and lease losses | $250,000 | 2,660 |
| Total noninterest income | $576,000 | 1,826 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $411,000 | 955 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $165,000 | 2,679 |
| Total noninterest expense | $2,251,000 | 2,167 |
| Salaries and employee benefits | $1,231,000 | 2,000 |
| Premises and equipment expense | $386,000 | 1,752 |
| Additional noninterest expense | $634,000 | 2,581 |
| Pre-tax net operating income | $53,000 | 5,622 |
| Securities gains (losses) | $143,000 | 644 |
| Applicable income taxes | $77,000 | 2,378 |
| Income before extraordinary items | $119,000 | 4,738 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $119,000 | 4,738 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $119,000 | 4,737 |
| Net charge-offs | $1,021,000 | 1,024 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $27,480 | 5,912 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,184,000 | 3,190 |
| Total interest expense | $2,709,000 | 3,688 |
| Net interest income | $7,475,000 | 2,895 |
| Provision for loan and lease losses | $907,000 | 3,647 |
| Total noninterest income | $1,959,000 | 2,148 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,751,000 | 990 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $208,000 | 4,570 |
| Total noninterest expense | $8,309,000 | 2,378 |
| Salaries and employee benefits | $4,296,000 | 2,287 |
| Premises and equipment expense | $1,482,000 | 1,831 |
| Additional noninterest expense | $2,531,000 | 2,710 |
| Pre-tax net operating income | $218,000 | 4,749 |
| Securities gains (losses) | $692,000 | 685 |
| Applicable income taxes | $448,000 | 1,648 |
| Income before extraordinary items | $462,000 | 3,975 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $462,000 | 3,974 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $462,000 | 3,974 |
| Net charge-offs | $52,000 | 6,185 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $19,120 | 5,416 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,619,000 | 3,250 |
| Total interest expense | $2,167,000 | 3,649 |
| Net interest income | $5,452,000 | 2,959 |
| Provision for loan and lease losses | $329,000 | 4,455 |
| Total noninterest income | $1,528,000 | 2,142 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,236,000 | 1,055 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $292,000 | 3,661 |
| Total noninterest expense | $6,053,000 | 2,443 |
| Salaries and employee benefits | $3,155,000 | 2,363 |
| Premises and equipment expense | $1,089,000 | 1,867 |
| Additional noninterest expense | $1,809,000 | 2,796 |
| Pre-tax net operating income | $598,000 | 3,604 |
| Securities gains (losses) | $284,000 | 1,035 |
| Applicable income taxes | $352,000 | 1,761 |
| Income before extraordinary items | $530,000 | 3,587 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $530,000 | 3,585 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $530,000 | 3,587 |
| Net charge-offs | $49,000 | 5,697 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $348,240 | 4,158 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,176,000 | 3,231 |
| Total interest expense | $1,519,000 | 3,634 |
| Net interest income | $3,657,000 | 2,935 |
| Provision for loan and lease losses | $229,000 | 4,150 |
| Total noninterest income | $911,000 | 2,320 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $731,000 | 1,163 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $180,000 | 3,813 |
| Total noninterest expense | $3,940,000 | 2,536 |
| Salaries and employee benefits | $2,134,000 | 2,374 |
| Premises and equipment expense | $695,000 | 1,976 |
| Additional noninterest expense | $1,111,000 | 3,032 |
| Pre-tax net operating income | $399,000 | 3,690 |
| Securities gains (losses) | $122,000 | 1,340 |
| Applicable income taxes | $206,000 | 1,921 |
| Income before extraordinary items | $315,000 | 3,893 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $315,000 | 3,892 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $315,000 | 3,892 |
| Net charge-offs | $33,000 | 5,273 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $236,920 | 4,222 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,688,000 | 3,143 |
| Total interest expense | $804,000 | 3,604 |
| Net interest income | $1,884,000 | 2,858 |
| Provision for loan and lease losses | $229,000 | 2,668 |
| Total noninterest income | $395,000 | 2,523 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $301,000 | 1,373 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $94,000 | 3,755 |
| Total noninterest expense | $1,962,000 | 2,466 |
| Salaries and employee benefits | $1,050,000 | 2,436 |
| Premises and equipment expense | $356,000 | 1,969 |
| Additional noninterest expense | $556,000 | 2,741 |
| Pre-tax net operating income | $88,000 | 5,158 |
| Securities gains (losses) | $122,000 | 901 |
| Applicable income taxes | $84,000 | 2,361 |
| Income before extraordinary items | $126,000 | 4,624 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $126,000 | 4,628 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $126,000 | 4,627 |
| Net charge-offs | $11,000 | 4,708 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $47,920 | 5,565 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,109,000 | 3,247 |
| Total interest expense | $3,864,000 | 3,601 |
| Net interest income | $7,245,000 | 2,953 |
| Provision for loan and lease losses | $-123,000 | 8,266 |
| Total noninterest income | $1,520,000 | 2,603 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,190,000 | 1,500 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $330,000 | 3,929 |
| Total noninterest expense | $7,606,000 | 2,484 |
| Salaries and employee benefits | $4,144,000 | 2,429 |
| Premises and equipment expense | $1,475,000 | 1,860 |
| Additional noninterest expense | $1,987,000 | 2,888 |
| Pre-tax net operating income | $1,282,000 | 3,294 |
| Securities gains (losses) | $104,000 | 1,099 |
| Applicable income taxes | $549,000 | 1,752 |
| Income before extraordinary items | $837,000 | 3,619 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $837,000 | 3,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,714 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $770,440 | 3,903 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,115,000 | 3,387 |
| Total interest expense | $2,841,000 | 3,754 |
| Net interest income | $5,274,000 | 3,067 |
| Provision for loan and lease losses | $-159,000 | 8,347 |
| Total noninterest income | $1,124,000 | 2,700 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $886,000 | 1,523 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $238,000 | 4,113 |
| Total noninterest expense | $5,605,000 | 2,525 |
| Salaries and employee benefits | $3,087,000 | 2,473 |
| Premises and equipment expense | $1,088,000 | 1,877 |
| Additional noninterest expense | $1,430,000 | 2,892 |
| Pre-tax net operating income | $952,000 | 3,774 |
| Securities gains (losses) | $84,000 | 1,074 |
| Applicable income taxes | $406,000 | 2,143 |
| Income before extraordinary items | $630,000 | 4,043 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $630,000 | 4,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,316 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $576,240 | 4,355 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,196,000 | 3,544 |
| Total interest expense | $1,862,000 | 3,917 |
| Net interest income | $3,334,000 | 3,206 |
| Provision for loan and lease losses | $-159,000 | 8,417 |
| Total noninterest income | $730,000 | 2,770 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $589,000 | 1,513 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $141,000 | 4,410 |
| Total noninterest expense | $3,692,000 | 2,559 |
| Salaries and employee benefits | $2,059,000 | 2,503 |
| Premises and equipment expense | $725,000 | 1,878 |
| Additional noninterest expense | $908,000 | 2,993 |
| Pre-tax net operating income | $531,000 | 4,272 |
| Securities gains (losses) | $84,000 | 1,092 |
| Applicable income taxes | $240,000 | 2,478 |
| Income before extraordinary items | $375,000 | 4,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $375,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,853 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $321,240 | 4,830 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 3,665 |
| Total interest expense | $946,000 | 4,042 |
| Net interest income | $1,608,000 | 3,308 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $380,000 | 2,692 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $299,000 | 1,461 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $81,000 | 4,169 |
| Total noninterest expense | $1,724,000 | 2,707 |
| Salaries and employee benefits | $949,000 | 2,709 |
| Premises and equipment expense | $360,000 | 1,889 |
| Additional noninterest expense | $415,000 | 3,204 |
| Pre-tax net operating income | $264,000 | 4,428 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $102,000 | 2,776 |
| Income before extraordinary items | $162,000 | 5,094 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $162,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $162,000 | 4,979 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,459,000 | 3,665 |
| Total interest expense | $4,275,000 | 3,838 |
| Net interest income | $6,184,000 | 3,430 |
| Provision for loan and lease losses | $-196,000 | 8,430 |
| Total noninterest income | $1,538,000 | 2,664 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,172,000 | 1,534 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $366,000 | 3,905 |
| Total noninterest expense | $7,144,000 | 2,540 |
| Salaries and employee benefits | $3,656,000 | 2,695 |
| Premises and equipment expense | $1,593,000 | 1,665 |
| Additional noninterest expense | $1,895,000 | 2,799 |
| Pre-tax net operating income | $774,000 | 5,235 |
| Securities gains (losses) | $54,000 | 769 |
| Applicable income taxes | $316,000 | 3,328 |
| Income before extraordinary items | $512,000 | 5,634 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $512,000 | 5,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,000 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $477,440 | 5,750 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,891,000 | 3,649 |
| Total interest expense | $3,206,000 | 3,848 |
| Net interest income | $4,685,000 | 3,404 |
| Provision for loan and lease losses | $-121,000 | 8,440 |
| Total noninterest income | $1,142,000 | 2,679 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $860,000 | 1,533 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $282,000 | 3,857 |
| Total noninterest expense | $5,443,000 | 2,493 |
| Salaries and employee benefits | $2,818,000 | 2,624 |
| Premises and equipment expense | $1,232,000 | 1,612 |
| Additional noninterest expense | $1,393,000 | 2,788 |
| Pre-tax net operating income | $505,000 | 5,752 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $194,000 | 3,753 |
| Income before extraordinary items | $311,000 | 6,264 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $311,000 | 6,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,915 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $311,000 | 6,255 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 3,654 |
| Total interest expense | $2,139,000 | 3,859 |
| Net interest income | $3,116,000 | 3,435 |
| Provision for loan and lease losses | $-88,000 | 8,463 |
| Total noninterest income | $770,000 | 2,663 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $575,000 | 1,525 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $195,000 | 3,827 |
| Total noninterest expense | $3,794,000 | 2,409 |
| Salaries and employee benefits | $2,031,000 | 2,500 |
| Premises and equipment expense | $844,000 | 1,589 |
| Additional noninterest expense | $919,000 | 2,825 |
| Pre-tax net operating income | $180,000 | 6,758 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $70,000 | 4,482 |
| Income before extraordinary items | $110,000 | 7,046 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $110,000 | 7,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,873 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $110,000 | 7,035 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,637,000 | 3,628 |
| Total interest expense | $1,060,000 | 3,855 |
| Net interest income | $1,577,000 | 3,406 |
| Provision for loan and lease losses | $-14,000 | 8,446 |
| Total noninterest income | $363,000 | 2,744 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $267,000 | 1,610 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $96,000 | 3,829 |
| Total noninterest expense | $1,880,000 | 2,432 |
| Salaries and employee benefits | $1,016,000 | 2,523 |
| Premises and equipment expense | $415,000 | 1,616 |
| Additional noninterest expense | $449,000 | 2,862 |
| Pre-tax net operating income | $74,000 | 7,007 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $29,000 | 4,646 |
| Income before extraordinary items | $45,000 | 7,226 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $45,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $45,000 | 7,220 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,019,000 | 3,561 |
| Total interest expense | $3,523,000 | 3,894 |
| Net interest income | $6,496,000 | 3,316 |
| Provision for loan and lease losses | $100,000 | 4,711 |
| Total noninterest income | $1,827,000 | 2,368 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,421,000 | 1,256 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $406,000 | 3,706 |
| Total noninterest expense | $7,214,000 | 2,451 |
| Salaries and employee benefits | $3,672,000 | 2,632 |
| Premises and equipment expense | $1,481,000 | 1,712 |
| Additional noninterest expense | $2,061,000 | 2,510 |
| Pre-tax net operating income | $1,009,000 | 5,183 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $401,000 | 3,430 |
| Income before extraordinary items | $608,000 | 5,800 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $608,000 | 5,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,537 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $608,000 | 5,783 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,468,000 | 3,559 |
| Total interest expense | $2,554,000 | 3,899 |
| Net interest income | $4,914,000 | 3,317 |
| Provision for loan and lease losses | $44,000 | 5,319 |
| Total noninterest income | $1,354,000 | 2,397 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,073,000 | 1,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $281,000 | 3,850 |
| Total noninterest expense | $5,495,000 | 2,405 |
| Salaries and employee benefits | $2,839,000 | 2,565 |
| Premises and equipment expense | $993,000 | 1,915 |
| Additional noninterest expense | $1,663,000 | 2,327 |
| Pre-tax net operating income | $729,000 | 5,420 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $277,000 | 3,688 |
| Income before extraordinary items | $452,000 | 5,989 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $452,000 | 5,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,644 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $452,000 | 5,987 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,891,000 | 3,557 |
| Total interest expense | $1,647,000 | 3,883 |
| Net interest income | $3,244,000 | 3,349 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $919,000 | 2,364 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $736,000 | 1,211 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $183,000 | 3,910 |
| Total noninterest expense | $3,581,000 | 2,470 |
| Salaries and employee benefits | $1,926,000 | 2,522 |
| Premises and equipment expense | $655,000 | 1,920 |
| Additional noninterest expense | $1,000,000 | 2,565 |
| Pre-tax net operating income | $582,000 | 5,072 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $221,000 | 3,482 |
| Income before extraordinary items | $361,000 | 5,614 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $361,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $361,000 | 5,615 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,372,000 | 3,573 |
| Total interest expense | $766,000 | 3,934 |
| Net interest income | $1,606,000 | 3,349 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $468,000 | 2,282 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $382,000 | 1,136 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $86,000 | 3,983 |
| Total noninterest expense | $1,731,000 | 2,563 |
| Salaries and employee benefits | $1,016,000 | 2,416 |
| Premises and equipment expense | $304,000 | 2,070 |
| Additional noninterest expense | $411,000 | 3,045 |
| Pre-tax net operating income | $343,000 | 4,634 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $129,000 | 3,244 |
| Income before extraordinary items | $214,000 | 5,200 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $214,000 | 5,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $214,000 | 5,194 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,433,000 | 3,602 |
| Total interest expense | $2,018,000 | 4,408 |
| Net interest income | $6,415,000 | 3,246 |
| Provision for loan and lease losses | $137,000 | 4,280 |
| Total noninterest income | $1,916,000 | 2,286 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,546,000 | 1,154 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $370,000 | 3,909 |
| Total noninterest expense | $6,871,000 | 2,425 |
| Salaries and employee benefits | $3,851,000 | 2,375 |
| Premises and equipment expense | $1,155,000 | 2,077 |
| Additional noninterest expense | $1,865,000 | 2,670 |
| Pre-tax net operating income | $1,323,000 | 4,678 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $515,000 | 3,327 |
| Income before extraordinary items | $808,000 | 5,320 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $808,000 | 5,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,317 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $808,000 | 5,295 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,220,000 | 3,600 |
| Total interest expense | $1,390,000 | 4,532 |
| Net interest income | $4,830,000 | 3,233 |
| Provision for loan and lease losses | $233,000 | 2,662 |
| Total noninterest income | $1,460,000 | 2,254 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,162,000 | 1,141 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $298,000 | 3,807 |
| Total noninterest expense | $4,908,000 | 2,517 |
| Salaries and employee benefits | $2,662,000 | 2,526 |
| Premises and equipment expense | $878,000 | 2,029 |
| Additional noninterest expense | $1,368,000 | 2,693 |
| Pre-tax net operating income | $1,149,000 | 4,422 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $429,000 | 3,210 |
| Income before extraordinary items | $720,000 | 5,012 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $720,000 | 5,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,299 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $720,000 | 4,970 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,963,000 | 3,659 |
| Total interest expense | $842,000 | 4,641 |
| Net interest income | $3,121,000 | 3,294 |
| Provision for loan and lease losses | $151,000 | 2,592 |
| Total noninterest income | $1,005,000 | 2,161 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $820,000 | 1,049 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $185,000 | 3,898 |
| Total noninterest expense | $3,210,000 | 2,539 |
| Salaries and employee benefits | $1,747,000 | 2,549 |
| Premises and equipment expense | $573,000 | 2,059 |
| Additional noninterest expense | $890,000 | 2,737 |
| Pre-tax net operating income | $765,000 | 4,390 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $288,000 | 3,179 |
| Income before extraordinary items | $477,000 | 5,002 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $477,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,582 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $477,000 | 4,948 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,879,000 | 3,779 |
| Total interest expense | $392,000 | 4,742 |
| Net interest income | $1,487,000 | 3,435 |
| Provision for loan and lease losses | $106,000 | 1,934 |
| Total noninterest income | $517,000 | 2,089 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $420,000 | 986 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,786 |
| Total noninterest expense | $1,619,000 | 2,530 |
| Salaries and employee benefits | $887,000 | 2,526 |
| Premises and equipment expense | $296,000 | 2,024 |
| Additional noninterest expense | $436,000 | 2,779 |
| Pre-tax net operating income | $279,000 | 5,180 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $105,000 | 3,690 |
| Income before extraordinary items | $174,000 | 5,752 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $174,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $174,000 | 5,715 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 4,319 |
| Total interest expense | $1,316,000 | 4,855 |
| Net interest income | $4,567,000 | 4,072 |
| Provision for loan and lease losses | $260,000 | 3,183 |
| Total noninterest income | $1,901,000 | 2,275 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,584,000 | 1,123 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $317,000 | 4,166 |
| Total noninterest expense | $5,729,000 | 2,767 |
| Salaries and employee benefits | $2,911,000 | 2,913 |
| Premises and equipment expense | $1,174,000 | 1,962 |
| Additional noninterest expense | $1,644,000 | 2,900 |
| Pre-tax net operating income | $479,000 | 6,781 |
| Securities gains (losses) | $58,000 | 1,619 |
| Applicable income taxes | $202,000 | 4,737 |
| Income before extraordinary items | $335,000 | 7,080 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $335,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,509 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $297,880 | 7,185 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,149,000 | 4,503 |
| Total interest expense | $941,000 | 4,959 |
| Net interest income | $3,208,000 | 4,275 |
| Provision for loan and lease losses | $130,000 | 3,854 |
| Total noninterest income | $1,353,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,145,000 | 1,168 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $208,000 | 4,424 |
| Total noninterest expense | $4,083,000 | 2,864 |
| Salaries and employee benefits | $2,020,000 | 3,099 |
| Premises and equipment expense | $889,000 | 1,943 |
| Additional noninterest expense | $1,174,000 | 2,993 |
| Pre-tax net operating income | $348,000 | 6,961 |
| Securities gains (losses) | $58,000 | 1,547 |
| Applicable income taxes | $153,000 | 4,827 |
| Income before extraordinary items | $253,000 | 7,190 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $253,000 | 7,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $215,880 | 7,331 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 4,731 |
| Total interest expense | $594,000 | 5,128 |
| Net interest income | $1,981,000 | 4,503 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $798,000 | 2,598 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $678,000 | 1,302 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $120,000 | 4,788 |
| Total noninterest expense | $2,599,000 | 2,976 |
| Salaries and employee benefits | $1,219,000 | 3,397 |
| Premises and equipment expense | $584,000 | 1,965 |
| Additional noninterest expense | $796,000 | 2,952 |
| Pre-tax net operating income | $150,000 | 7,542 |
| Securities gains (losses) | $58,000 | 1,362 |
| Applicable income taxes | $78,000 | 5,147 |
| Income before extraordinary items | $130,000 | 7,498 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $130,000 | 7,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,788 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $92,880 | 7,793 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,237,000 | 4,898 |
| Total interest expense | $285,000 | 5,323 |
| Net interest income | $952,000 | 4,633 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $353,000 | 2,777 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $298,000 | 1,434 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $55,000 | 4,930 |
| Total noninterest expense | $1,267,000 | 3,063 |
| Salaries and employee benefits | $586,000 | 3,549 |
| Premises and equipment expense | $289,000 | 2,000 |
| Additional noninterest expense | $392,000 | 2,970 |
| Pre-tax net operating income | $8,000 | 8,461 |
| Securities gains (losses) | $58,000 | 1,108 |
| Applicable income taxes | $25,000 | 5,581 |
| Income before extraordinary items | $41,000 | 7,951 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $41,000 | 7,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,369 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,880 | 8,496 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,094,000 | 4,828 |
| Total interest expense | $1,363,000 | 5,175 |
| Net interest income | $3,731,000 | 4,595 |
| Provision for loan and lease losses | $-70,000 | 9,006 |
| Total noninterest income | $1,471,000 | 2,883 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,276,000 | 1,359 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $195,000 | 5,337 |
| Total noninterest expense | $4,357,000 | 3,447 |
| Salaries and employee benefits | $2,158,000 | 3,679 |
| Premises and equipment expense | $892,000 | 2,506 |
| Additional noninterest expense | $1,307,000 | 3,474 |
| Pre-tax net operating income | $915,000 | 5,383 |
| Securities gains (losses) | $18,000 | 3,281 |
| Applicable income taxes | $351,000 | 4,032 |
| Income before extraordinary items | $582,000 | 6,010 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $582,000 | 6,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,940 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $570,480 | 5,898 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,869,000 | 4,835 |
| Total interest expense | $1,076,000 | 5,154 |
| Net interest income | $2,793,000 | 4,611 |
| Provision for loan and lease losses | $160,000 | 3,772 |
| Total noninterest income | $1,125,000 | 2,913 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $958,000 | 1,361 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $167,000 | 5,136 |
| Total noninterest expense | $3,089,000 | 3,609 |
| Salaries and employee benefits | $1,512,000 | 3,886 |
| Premises and equipment expense | $612,000 | 2,726 |
| Additional noninterest expense | $965,000 | 3,496 |
| Pre-tax net operating income | $669,000 | 5,626 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $252,000 | 4,271 |
| Income before extraordinary items | $417,000 | 6,260 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $417,000 | 6,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,909 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $417,000 | 6,083 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,604,000 | 4,845 |
| Total interest expense | $777,000 | 5,023 |
| Net interest income | $1,827,000 | 4,664 |
| Provision for loan and lease losses | $160,000 | 2,893 |
| Total noninterest income | $831,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $713,000 | 1,210 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $118,000 | 5,021 |
| Total noninterest expense | $2,043,000 | 3,621 |
| Salaries and employee benefits | $1,017,000 | 3,857 |
| Premises and equipment expense | $410,000 | 2,708 |
| Additional noninterest expense | $616,000 | 3,632 |
| Pre-tax net operating income | $455,000 | 5,553 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $171,000 | 4,268 |
| Income before extraordinary items | $284,000 | 6,218 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $284,000 | 6,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,935 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $284,000 | 6,017 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,318,000 | 4,829 |
| Total interest expense | $382,000 | 5,174 |
| Net interest income | $936,000 | 4,599 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $457,000 | 2,449 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $398,000 | 1,042 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 4,952 |
| Total noninterest expense | $1,058,000 | 3,495 |
| Salaries and employee benefits | $528,000 | 3,737 |
| Premises and equipment expense | $212,000 | 2,624 |
| Additional noninterest expense | $318,000 | 3,480 |
| Pre-tax net operating income | $215,000 | 5,672 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $81,000 | 4,334 |
| Income before extraordinary items | $134,000 | 6,289 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $134,000 | 6,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,694 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $134,000 | 6,116 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,776,000 | 4,683 |
| Total interest expense | $1,742,000 | 5,239 |
| Net interest income | $4,034,000 | 4,322 |
| Provision for loan and lease losses | $515,000 | 2,334 |
| Total noninterest income | $2,519,000 | 1,788 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,815,000 | 895 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $704,000 | 2,698 |
| Total noninterest expense | $4,758,000 | 3,054 |
| Salaries and employee benefits | $2,631,000 | 2,986 |
| Premises and equipment expense | $678,000 | 3,082 |
| Additional noninterest expense | $1,449,000 | 3,030 |
| Pre-tax net operating income | $1,280,000 | 4,537 |
| Securities gains (losses) | $123,000 | 1,564 |
| Applicable income taxes | $528,000 | 3,350 |
| Income before extraordinary items | $875,000 | 4,949 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $875,000 | 4,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 2,012 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $796,280 | 5,082 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,564,000 | 4,646 |
| Total interest expense | $3,256,000 | 4,431 |
| Net interest income | $3,308,000 | 4,740 |
| Provision for loan and lease losses | $480,000 | 2,273 |
| Total noninterest income | $2,451,000 | 1,710 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,922,000 | 762 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $529,000 | 3,031 |
| Total noninterest expense | $4,773,000 | 2,936 |
| Salaries and employee benefits | $2,923,000 | 2,568 |
| Premises and equipment expense | $590,000 | 3,416 |
| Additional noninterest expense | $1,260,000 | 3,350 |
| Pre-tax net operating income | $506,000 | 6,522 |
| Securities gains (losses) | $279,000 | 936 |
| Applicable income taxes | $295,000 | 4,304 |
| Income before extraordinary items | $490,000 | 6,132 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $490,000 | 6,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 1,815 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 304 |
| Net operating income | $311,440 | 6,945 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,229,000 | 4,464 |
| Total interest expense | $3,824,000 | 4,123 |
| Net interest income | $3,405,000 | 4,706 |
| Provision for loan and lease losses | $325,000 | 2,688 |
| Total noninterest income | $1,433,000 | 2,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,299,000 | 1,038 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 5,749 |
| Total noninterest expense | $3,519,000 | 3,688 |
| Salaries and employee benefits | $1,941,000 | 3,554 |
| Premises and equipment expense | $526,000 | 3,640 |
| Additional noninterest expense | $1,052,000 | 3,837 |
| Pre-tax net operating income | $994,000 | 5,269 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $374,000 | 4,136 |
| Income before extraordinary items | $620,000 | 5,749 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $620,000 | 5,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,249 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $620,000 | 5,754 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,773,000 | 5,078 |
| Total interest expense | $3,324,000 | 4,229 |
| Net interest income | $2,449,000 | 5,879 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $954,000 | 3,203 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $836,000 | 1,577 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,224 |
| Total noninterest expense | $2,206,000 | 5,315 |
| Salaries and employee benefits | $1,229,000 | 5,076 |
| Premises and equipment expense | $304,000 | 5,425 |
| Additional noninterest expense | $673,000 | 5,393 |
| Pre-tax net operating income | $1,017,000 | 5,259 |
| Securities gains (losses) | $-78,000 | 9,905 |
| Applicable income taxes | $353,000 | 4,451 |
| Income before extraordinary items | $586,000 | 5,968 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $586,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 396 |
| Net operating income | $635,920 | 5,706 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,343,000 | 6,189 |
| Total interest expense | $2,227,000 | 5,792 |
| Net interest income | $2,116,000 | 6,466 |
| Provision for loan and lease losses | $124,000 | 4,562 |
| Total noninterest income | $758,000 | 3,762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $651,000 | 1,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,480 |
| Total noninterest expense | $1,797,000 | 6,000 |
| Salaries and employee benefits | $1,077,000 | 5,490 |
| Premises and equipment expense | $257,000 | 5,860 |
| Additional noninterest expense | $463,000 | 6,700 |
| Pre-tax net operating income | $953,000 | 5,565 |
| Securities gains (losses) | $20,000 | 2,430 |
| Applicable income taxes | $366,000 | 4,657 |
| Income before extraordinary items | $607,000 | 6,018 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $607,000 | 6,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $594,200 | 5,976 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,797,000 | 8,008 |
| Total interest expense | $1,367,000 | 7,667 |
| Net interest income | $1,430,000 | 8,158 |
| Provision for loan and lease losses | $92,000 | 5,344 |
| Total noninterest income | $408,000 | 5,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $347,000 | 3,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,985 |
| Total noninterest expense | $1,279,000 | 7,411 |
| Salaries and employee benefits | $733,000 | 7,124 |
| Premises and equipment expense | $213,000 | 6,604 |
| Additional noninterest expense | $333,000 | 7,975 |
| Pre-tax net operating income | $467,000 | 8,102 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $176,000 | 7,233 |
| Income before extraordinary items | $291,000 | 8,442 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $291,000 | 8,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $291,000 | 8,402 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $694,000 | 11,117 |
| Total interest expense | $287,000 | 11,100 |
| Net interest income | $407,000 | 11,073 |
| Provision for loan and lease losses | $10,000 | 8,531 |
| Total noninterest income | $97,000 | 9,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $493,000 | 10,624 |
| Salaries and employee benefits | $286,000 | 10,464 |
| Premises and equipment expense | $101,000 | 9,258 |
| Additional noninterest expense | $106,000 | 11,034 |
| Pre-tax net operating income | $1,000 | 10,769 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $2,000 | 10,509 |
| Income before extraordinary items | $9,000 | 10,777 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,000 | 10,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $5,125,000 | 142 |
| Net operating income | $800 | 10,766 |
* 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.