TexasBank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $100,483,000 | 370 |
| Total interest expense | $22,840,000 | 524 |
| Net interest income | $77,643,000 | 325 |
| Provision for loan and lease losses | $4,142,000 | 278 |
| Total noninterest income | $22,602,000 | 365 |
| Gross Fiduciary activities income | $2,591,000 | 227 |
| Service charges on deposit accounts | $13,751,000 | 144 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,260,000 | 592 |
| Total noninterest expense | $59,151,000 | 335 |
| Salaries and employee benefits | $35,877,000 | 266 |
| Premises and equipment expense | $7,237,000 | 348 |
| Additional noninterest expense | $16,037,000 | 402 |
| Pre-tax net operating income | $36,952,000 | 341 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $12,470,000 | 342 |
| Income before extraordinary items | $24,482,000 | 359 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $24,482,000 | 360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,287,000 | 353 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $24,482,000 | 352 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $71,798,000 | 371 |
| Total interest expense | $15,501,000 | 539 |
| Net interest income | $56,297,000 | 331 |
| Provision for loan and lease losses | $2,728,000 | 290 |
| Total noninterest income | $16,953,000 | 368 |
| Gross Fiduciary activities income | $1,925,000 | 222 |
| Service charges on deposit accounts | $10,271,000 | 142 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,757,000 | 580 |
| Total noninterest expense | $43,723,000 | 334 |
| Salaries and employee benefits | $26,574,000 | 266 |
| Premises and equipment expense | $5,416,000 | 346 |
| Additional noninterest expense | $11,733,000 | 399 |
| Pre-tax net operating income | $26,799,000 | 350 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $9,190,000 | 345 |
| Income before extraordinary items | $17,609,000 | 372 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $17,609,000 | 373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,222,000 | 433 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $17,609,000 | 363 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $45,267,000 | 376 |
| Total interest expense | $9,416,000 | 549 |
| Net interest income | $35,851,000 | 332 |
| Provision for loan and lease losses | $1,505,000 | 339 |
| Total noninterest income | $11,276,000 | 359 |
| Gross Fiduciary activities income | $1,281,000 | 219 |
| Service charges on deposit accounts | $6,634,000 | 140 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,361,000 | 551 |
| Total noninterest expense | $28,676,000 | 337 |
| Salaries and employee benefits | $17,415,000 | 270 |
| Premises and equipment expense | $3,545,000 | 350 |
| Additional noninterest expense | $7,716,000 | 396 |
| Pre-tax net operating income | $16,946,000 | 360 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,928,000 | 350 |
| Income before extraordinary items | $11,018,000 | 392 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $11,018,000 | 392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $716,000 | 465 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $11,018,000 | 380 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $21,741,000 | 381 |
| Total interest expense | $4,433,000 | 555 |
| Net interest income | $17,308,000 | 342 |
| Provision for loan and lease losses | $739,000 | 340 |
| Total noninterest income | $5,723,000 | 344 |
| Gross Fiduciary activities income | $643,000 | 223 |
| Service charges on deposit accounts | $3,160,000 | 140 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,920,000 | 485 |
| Total noninterest expense | $14,187,000 | 332 |
| Salaries and employee benefits | $8,705,000 | 274 |
| Premises and equipment expense | $1,687,000 | 371 |
| Additional noninterest expense | $3,795,000 | 394 |
| Pre-tax net operating income | $8,105,000 | 372 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,833,000 | 362 |
| Income before extraordinary items | $5,272,000 | 386 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $5,272,000 | 386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 801 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $5,272,000 | 380 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $76,520,000 | 389 |
| Total interest expense | $14,049,000 | 590 |
| Net interest income | $62,471,000 | 359 |
| Provision for loan and lease losses | $4,892,000 | 253 |
| Total noninterest income | $20,892,000 | 376 |
| Gross Fiduciary activities income | $2,235,000 | 241 |
| Service charges on deposit accounts | $13,272,000 | 150 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,385,000 | 636 |
| Total noninterest expense | $54,207,000 | 341 |
| Salaries and employee benefits | $33,480,000 | 280 |
| Premises and equipment expense | $6,445,000 | 378 |
| Additional noninterest expense | $14,282,000 | 415 |
| Pre-tax net operating income | $24,264,000 | 429 |
| Securities gains (losses) | $266,000 | 696 |
| Applicable income taxes | $8,364,000 | 413 |
| Income before extraordinary items | $16,166,000 | 455 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $16,166,000 | 456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,389,000 | 404 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $15,990,440 | 441 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $55,205,000 | 403 |
| Total interest expense | $9,979,000 | 611 |
| Net interest income | $45,226,000 | 370 |
| Provision for loan and lease losses | $3,285,000 | 294 |
| Total noninterest income | $15,967,000 | 379 |
| Gross Fiduciary activities income | $1,672,000 | 243 |
| Service charges on deposit accounts | $9,910,000 | 153 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,385,000 | 601 |
| Total noninterest expense | $40,885,000 | 337 |
| Salaries and employee benefits | $25,390,000 | 278 |
| Premises and equipment expense | $4,863,000 | 368 |
| Additional noninterest expense | $10,632,000 | 417 |
| Pre-tax net operating income | $17,023,000 | 456 |
| Securities gains (losses) | $235,000 | 700 |
| Applicable income taxes | $5,893,000 | 427 |
| Income before extraordinary items | $11,365,000 | 474 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $11,365,000 | 474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,703,000 | 392 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $11,209,900 | 463 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $35,907,000 | 406 |
| Total interest expense | $6,338,000 | 626 |
| Net interest income | $29,569,000 | 373 |
| Provision for loan and lease losses | $1,944,000 | 325 |
| Total noninterest income | $10,554,000 | 385 |
| Gross Fiduciary activities income | $1,123,000 | 247 |
| Service charges on deposit accounts | $6,338,000 | 154 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,093,000 | 587 |
| Total noninterest expense | $27,593,000 | 332 |
| Salaries and employee benefits | $17,087,000 | 272 |
| Premises and equipment expense | $3,238,000 | 368 |
| Additional noninterest expense | $7,268,000 | 399 |
| Pre-tax net operating income | $10,586,000 | 467 |
| Securities gains (losses) | $235,000 | 590 |
| Applicable income taxes | $3,847,000 | 445 |
| Income before extraordinary items | $6,974,000 | 505 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,974,000 | 504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,101,000 | 399 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,823,600 | 495 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $17,618,000 | 415 |
| Total interest expense | $2,976,000 | 681 |
| Net interest income | $14,642,000 | 382 |
| Provision for loan and lease losses | $1,026,000 | 308 |
| Total noninterest income | $4,566,000 | 417 |
| Gross Fiduciary activities income | $544,000 | 255 |
| Service charges on deposit accounts | $2,876,000 | 164 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,146,000 | 720 |
| Total noninterest expense | $13,780,000 | 333 |
| Salaries and employee benefits | $8,381,000 | 284 |
| Premises and equipment expense | $1,638,000 | 371 |
| Additional noninterest expense | $3,761,000 | 388 |
| Pre-tax net operating income | $4,402,000 | 537 |
| Securities gains (losses) | $189,000 | 527 |
| Applicable income taxes | $1,620,000 | 503 |
| Income before extraordinary items | $2,971,000 | 590 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,971,000 | 589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 599 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,848,150 | 566 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $67,239,000 | 437 |
| Total interest expense | $13,590,000 | 656 |
| Net interest income | $53,649,000 | 398 |
| Provision for loan and lease losses | $3,745,000 | 401 |
| Total noninterest income | $20,830,000 | 384 |
| Gross Fiduciary activities income | $1,971,000 | 262 |
| Service charges on deposit accounts | $12,037,000 | 162 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,822,000 | 588 |
| Total noninterest expense | $51,078,000 | 366 |
| Salaries and employee benefits | $30,566,000 | 303 |
| Premises and equipment expense | $6,209,000 | 393 |
| Additional noninterest expense | $14,303,000 | 424 |
| Pre-tax net operating income | $19,656,000 | 486 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $6,731,000 | 488 |
| Income before extraordinary items | $12,925,000 | 544 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $12,925,000 | 544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,346,000 | 498 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $12,925,000 | 509 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $49,705,000 | 456 |
| Total interest expense | $10,752,000 | 644 |
| Net interest income | $38,953,000 | 417 |
| Provision for loan and lease losses | $2,168,000 | 500 |
| Total noninterest income | $17,169,000 | 381 |
| Gross Fiduciary activities income | $1,447,000 | 276 |
| Service charges on deposit accounts | $8,892,000 | 172 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,830,000 | 510 |
| Total noninterest expense | $39,801,000 | 358 |
| Salaries and employee benefits | $22,731,000 | 314 |
| Premises and equipment expense | $4,592,000 | 404 |
| Additional noninterest expense | $12,478,000 | 390 |
| Pre-tax net operating income | $14,153,000 | 508 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $4,851,000 | 519 |
| Income before extraordinary items | $9,302,000 | 580 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $9,302,000 | 579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,147,000 | 628 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $9,302,000 | 536 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $33,097,000 | 466 |
| Total interest expense | $7,620,000 | 633 |
| Net interest income | $25,477,000 | 421 |
| Provision for loan and lease losses | $1,434,000 | 500 |
| Total noninterest income | $11,447,000 | 381 |
| Gross Fiduciary activities income | $961,000 | 282 |
| Service charges on deposit accounts | $5,841,000 | 172 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,645,000 | 497 |
| Total noninterest expense | $26,523,000 | 361 |
| Salaries and employee benefits | $14,935,000 | 317 |
| Premises and equipment expense | $2,957,000 | 413 |
| Additional noninterest expense | $8,631,000 | 380 |
| Pre-tax net operating income | $8,967,000 | 529 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $3,038,000 | 551 |
| Income before extraordinary items | $5,929,000 | 596 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,929,000 | 595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,085,000 | 499 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,929,000 | 549 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $16,626,000 | 468 |
| Total interest expense | $3,925,000 | 632 |
| Net interest income | $12,701,000 | 425 |
| Provision for loan and lease losses | $908,000 | 402 |
| Total noninterest income | $5,376,000 | 402 |
| Gross Fiduciary activities income | $493,000 | 284 |
| Service charges on deposit accounts | $2,803,000 | 180 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,080,000 | 526 |
| Total noninterest expense | $12,618,000 | 380 |
| Salaries and employee benefits | $7,503,000 | 318 |
| Premises and equipment expense | $1,405,000 | 436 |
| Additional noninterest expense | $3,710,000 | 422 |
| Pre-tax net operating income | $4,551,000 | 525 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,539,000 | 551 |
| Income before extraordinary items | $3,012,000 | 585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,012,000 | 583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $689,000 | 397 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,012,000 | 548 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $66,870,000 | 488 |
| Total interest expense | $17,308,000 | 656 |
| Net interest income | $49,562,000 | 432 |
| Provision for loan and lease losses | $3,757,000 | 468 |
| Total noninterest income | $20,564,000 | 398 |
| Gross Fiduciary activities income | $1,723,000 | 307 |
| Service charges on deposit accounts | $11,018,000 | 178 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,823,000 | 509 |
| Total noninterest expense | $47,081,000 | 395 |
| Salaries and employee benefits | $26,203,000 | 337 |
| Premises and equipment expense | $5,490,000 | 436 |
| Additional noninterest expense | $15,388,000 | 417 |
| Pre-tax net operating income | $19,288,000 | 487 |
| Securities gains (losses) | $212,000 | 1,117 |
| Applicable income taxes | $6,566,000 | 484 |
| Income before extraordinary items | $12,934,000 | 521 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $12,934,000 | 524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,515,000 | 492 |
| Cash dividends | $3,750,000 | 780 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $12,794,080 | 498 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $72,382,000 | 501 |
| Total interest expense | $26,987,000 | 622 |
| Net interest income | $45,395,000 | 433 |
| Provision for loan and lease losses | $3,919,000 | 428 |
| Total noninterest income | $16,341,000 | 438 |
| Gross Fiduciary activities income | $1,669,000 | 320 |
| Service charges on deposit accounts | $9,702,000 | 183 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,970,000 | 670 |
| Total noninterest expense | $41,510,000 | 417 |
| Salaries and employee benefits | $23,912,000 | 336 |
| Premises and equipment expense | $5,374,000 | 438 |
| Additional noninterest expense | $12,224,000 | 495 |
| Pre-tax net operating income | $16,307,000 | 508 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $5,748,000 | 494 |
| Income before extraordinary items | $10,559,000 | 554 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $10,559,000 | 554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,652,000 | 657 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $10,559,000 | 529 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $68,759,000 | 559 |
| Total interest expense | $27,918,000 | 664 |
| Net interest income | $40,841,000 | 471 |
| Provision for loan and lease losses | $3,904,000 | 381 |
| Total noninterest income | $13,394,000 | 481 |
| Gross Fiduciary activities income | $1,696,000 | 314 |
| Service charges on deposit accounts | $7,705,000 | 205 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,993,000 | 721 |
| Total noninterest expense | $36,571,000 | 452 |
| Salaries and employee benefits | $21,023,000 | 353 |
| Premises and equipment expense | $5,089,000 | 449 |
| Additional noninterest expense | $10,459,000 | 562 |
| Pre-tax net operating income | $13,760,000 | 600 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $4,646,000 | 576 |
| Income before extraordinary items | $9,114,000 | 619 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,114,000 | 619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $861,000 | 836 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,114,000 | 615 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $54,405,000 | 642 |
| Total interest expense | $19,656,000 | 807 |
| Net interest income | $34,749,000 | 558 |
| Provision for loan and lease losses | $1,468,000 | 710 |
| Total noninterest income | $9,272,000 | 650 |
| Gross Fiduciary activities income | $1,195,000 | 421 |
| Service charges on deposit accounts | $5,037,000 | 291 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,040,000 | 880 |
| Total noninterest expense | $31,973,000 | 520 |
| Salaries and employee benefits | $18,283,000 | 413 |
| Premises and equipment expense | $4,784,000 | 478 |
| Additional noninterest expense | $8,906,000 | 658 |
| Pre-tax net operating income | $10,580,000 | 779 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $3,507,000 | 780 |
| Income before extraordinary items | $7,069,000 | 814 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,069,000 | 814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $599,000 | 1,046 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $7,071,680 | 799 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $46,445,000 | 724 |
| Total interest expense | $18,390,000 | 862 |
| Net interest income | $28,055,000 | 639 |
| Provision for loan and lease losses | $1,695,000 | 651 |
| Total noninterest income | $8,011,000 | 690 |
| Gross Fiduciary activities income | $880,000 | 495 |
| Service charges on deposit accounts | $4,270,000 | 312 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,861,000 | 924 |
| Total noninterest expense | $25,054,000 | 622 |
| Salaries and employee benefits | $14,471,000 | 505 |
| Premises and equipment expense | $3,560,000 | 607 |
| Additional noninterest expense | $7,023,000 | 766 |
| Pre-tax net operating income | $9,317,000 | 839 |
| Securities gains (losses) | $-10,000 | 10,190 |
| Applicable income taxes | $2,716,000 | 945 |
| Income before extraordinary items | $6,591,000 | 834 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,591,000 | 833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $752,000 | 927 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $6,598,100 | 800 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $37,057,000 | 925 |
| Total interest expense | $15,413,000 | 1,067 |
| Net interest income | $21,644,000 | 835 |
| Provision for loan and lease losses | $1,470,000 | 741 |
| Total noninterest income | $6,232,000 | 799 |
| Gross Fiduciary activities income | $40,000 | 1,205 |
| Service charges on deposit accounts | $3,681,000 | 367 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,511,000 | 945 |
| Total noninterest expense | $19,158,000 | 765 |
| Salaries and employee benefits | $10,867,000 | 639 |
| Premises and equipment expense | $2,721,000 | 749 |
| Additional noninterest expense | $5,570,000 | 894 |
| Pre-tax net operating income | $7,248,000 | 1,111 |
| Securities gains (losses) | $-62,000 | 10,684 |
| Applicable income taxes | $1,885,000 | 1,398 |
| Income before extraordinary items | $5,301,000 | 1,039 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,301,000 | 1,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,051,000 | 778 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $5,346,880 | 1,007 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $26,784,000 | 1,279 |
| Total interest expense | $10,029,000 | 1,587 |
| Net interest income | $16,755,000 | 1,088 |
| Provision for loan and lease losses | $138,000 | 4,289 |
| Total noninterest income | $3,608,000 | 1,194 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,482,000 | 554 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,126,000 | 1,670 |
| Total noninterest expense | $11,838,000 | 1,219 |
| Salaries and employee benefits | $6,302,000 | 1,059 |
| Premises and equipment expense | $1,874,000 | 1,117 |
| Additional noninterest expense | $3,662,000 | 1,454 |
| Pre-tax net operating income | $8,387,000 | 916 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $2,798,000 | 925 |
| Income before extraordinary items | $5,603,000 | 948 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,603,000 | 949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,811 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,593,620 | 930 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,884,000 | 1,378 |
| Total interest expense | $9,822,000 | 1,618 |
| Net interest income | $15,062,000 | 1,193 |
| Provision for loan and lease losses | $226,000 | 2,785 |
| Total noninterest income | $4,271,000 | 1,064 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,396,000 | 582 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,875,000 | 1,175 |
| Total noninterest expense | $11,372,000 | 1,267 |
| Salaries and employee benefits | $5,764,000 | 1,163 |
| Premises and equipment expense | $1,802,000 | 1,168 |
| Additional noninterest expense | $3,806,000 | 1,391 |
| Pre-tax net operating income | $7,735,000 | 1,007 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,524,000 | 1,036 |
| Income before extraordinary items | $5,211,000 | 1,028 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,211,000 | 1,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,108 |
| Cash dividends | $350,000 | 4,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,211,000 | 1,015 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,650,000 | 1,499 |
| Total interest expense | $7,119,000 | 1,777 |
| Net interest income | $13,531,000 | 1,336 |
| Provision for loan and lease losses | $-185,000 | 12,302 |
| Total noninterest income | $3,233,000 | 1,294 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,050,000 | 668 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,183,000 | 1,642 |
| Total noninterest expense | $10,985,000 | 1,336 |
| Salaries and employee benefits | $5,332,000 | 1,256 |
| Premises and equipment expense | $1,503,000 | 1,384 |
| Additional noninterest expense | $4,150,000 | 1,375 |
| Pre-tax net operating income | $5,964,000 | 1,251 |
| Securities gains (losses) | $-29,000 | 10,630 |
| Applicable income taxes | $1,870,000 | 1,276 |
| Income before extraordinary items | $4,065,000 | 1,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,065,000 | 1,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,012 |
| Cash dividends | $650,000 | 2,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,084,720 | 1,248 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,325,000 | 1,707 |
| Total interest expense | $6,391,000 | 2,029 |
| Net interest income | $11,934,000 | 1,511 |
| Provision for loan and lease losses | $277,000 | 3,186 |
| Total noninterest income | $3,421,000 | 1,318 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,968,000 | 695 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,453,000 | 1,589 |
| Total noninterest expense | $9,930,000 | 1,537 |
| Salaries and employee benefits | $4,346,000 | 1,556 |
| Premises and equipment expense | $1,560,000 | 1,369 |
| Additional noninterest expense | $4,024,000 | 1,515 |
| Pre-tax net operating income | $5,148,000 | 1,360 |
| Securities gains (losses) | $191,000 | 1,749 |
| Applicable income taxes | $1,666,000 | 1,426 |
| Income before extraordinary items | $3,673,000 | 1,385 |
| Extraordinary gains, net | $80,000 | 1,785 |
| Net income | $3,753,000 | 1,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,468 |
| Cash dividends | $1,200,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $1,700,000 | 383 |
| Net operating income | $3,541,210 | 1,352 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,673,000 | 2,011 |
| Total interest expense | $7,622,000 | 2,230 |
| Net interest income | $10,051,000 | 1,827 |
| Provision for loan and lease losses | $1,620,000 | 1,333 |
| Total noninterest income | $2,959,000 | 1,457 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,552,000 | 843 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,407,000 | 1,580 |
| Total noninterest expense | $7,988,000 | 1,889 |
| Salaries and employee benefits | $3,176,000 | 2,073 |
| Premises and equipment expense | $1,162,000 | 1,814 |
| Additional noninterest expense | $3,650,000 | 1,702 |
| Pre-tax net operating income | $3,402,000 | 1,824 |
| Securities gains (losses) | $214,000 | 1,926 |
| Applicable income taxes | $677,000 | 3,080 |
| Income before extraordinary items | $2,939,000 | 1,571 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,939,000 | 1,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,550,000 | 1,162 |
| Cash dividends | $1,300,000 | 1,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,765,660 | 1,542 |
* 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.