Home > Bank of Smithtown > Income and Expense
Bank of Smithtown, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $85,677,000 | 274 |
| Total interest expense | $30,341,000 | 194 |
| Net interest income | $55,336,000 | 309 |
| Provision for loan and lease losses | $77,500,000 | 108 |
| Total noninterest income | $7,330,000 | 635 |
| Gross Fiduciary activities income | $195,000 | 692 |
| Service charges on deposit accounts | $1,913,000 | 594 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $5,222,000 | 557 |
| Total noninterest expense | $43,102,000 | 373 |
| Salaries and employee benefits | $15,968,000 | 459 |
| Premises and equipment expense | $11,681,000 | 177 |
| Additional noninterest expense | $15,453,000 | 378 |
| Pre-tax net operating income | $-57,936,000 | 7,728 |
| Securities gains (losses) | $-219,000 | 7,501 |
| Applicable income taxes | $2,661,000 | 474 |
| Income before extraordinary items | $-60,816,000 | 7,729 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-60,816,000 | 7,729 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-60,816,000 | 7,729 |
| Net charge-offs | $47,301,000 | 150 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-60,597,000 | 7,730 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $58,931,000 | 270 |
| Total interest expense | $20,840,000 | 196 |
| Net interest income | $38,091,000 | 299 |
| Provision for loan and lease losses | $52,500,000 | 113 |
| Total noninterest income | $4,860,000 | 615 |
| Gross Fiduciary activities income | $139,000 | 677 |
| Service charges on deposit accounts | $1,260,000 | 607 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $3,461,000 | 542 |
| Total noninterest expense | $28,577,000 | 379 |
| Salaries and employee benefits | $10,560,000 | 459 |
| Premises and equipment expense | $7,705,000 | 179 |
| Additional noninterest expense | $10,312,000 | 368 |
| Pre-tax net operating income | $-38,126,000 | 7,787 |
| Securities gains (losses) | $-62,000 | 7,458 |
| Applicable income taxes | $3,210,000 | 278 |
| Income before extraordinary items | $-41,398,000 | 7,791 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-41,398,000 | 7,791 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-41,398,000 | 7,791 |
| Net charge-offs | $32,984,000 | 144 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-41,336,000 | 7,792 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $30,598,000 | 272 |
| Total interest expense | $10,849,000 | 207 |
| Net interest income | $19,749,000 | 298 |
| Provision for loan and lease losses | $25,000,000 | 116 |
| Total noninterest income | $2,411,000 | 618 |
| Gross Fiduciary activities income | $79,000 | 661 |
| Service charges on deposit accounts | $622,000 | 613 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,710,000 | 539 |
| Total noninterest expense | $13,287,000 | 399 |
| Salaries and employee benefits | $5,241,000 | 464 |
| Premises and equipment expense | $4,001,000 | 178 |
| Additional noninterest expense | $4,045,000 | 458 |
| Pre-tax net operating income | $-16,127,000 | 7,877 |
| Securities gains (losses) | $23,000 | 1,463 |
| Applicable income taxes | $-2,956,000 | 7,880 |
| Income before extraordinary items | $-13,148,000 | 7,865 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-13,148,000 | 7,866 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-13,148,000 | 7,866 |
| Net charge-offs | $12,252,000 | 184 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-13,166,860 | 7,866 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $120,072,000 | 292 |
| Total interest expense | $51,294,000 | 219 |
| Net interest income | $68,778,000 | 320 |
| Provision for loan and lease losses | $51,000,000 | 236 |
| Total noninterest income | $8,710,000 | 717 |
| Gross Fiduciary activities income | $343,000 | 636 |
| Service charges on deposit accounts | $2,385,000 | 701 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $5,982,000 | 624 |
| Total noninterest expense | $48,366,000 | 443 |
| Salaries and employee benefits | $18,813,000 | 517 |
| Premises and equipment expense | $11,558,000 | 236 |
| Additional noninterest expense | $17,995,000 | 478 |
| Pre-tax net operating income | $-21,878,000 | 7,735 |
| Securities gains (losses) | $1,920,000 | 282 |
| Applicable income taxes | $-9,646,000 | 7,864 |
| Income before extraordinary items | $-10,312,000 | 7,569 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-10,312,000 | 7,568 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-10,312,000 | 7,568 |
| Net charge-offs | $23,820,000 | 353 |
| Cash dividends | $1,670,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-11,540,800 | 7,610 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $88,206,000 | 309 |
| Total interest expense | $38,153,000 | 239 |
| Net interest income | $50,053,000 | 338 |
| Provision for loan and lease losses | $13,000,000 | 503 |
| Total noninterest income | $6,550,000 | 713 |
| Gross Fiduciary activities income | $265,000 | 620 |
| Service charges on deposit accounts | $1,737,000 | 725 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $4,548,000 | 629 |
| Total noninterest expense | $31,383,000 | 520 |
| Salaries and employee benefits | $15,428,000 | 479 |
| Premises and equipment expense | $8,391,000 | 252 |
| Additional noninterest expense | $7,564,000 | 756 |
| Pre-tax net operating income | $12,220,000 | 273 |
| Securities gains (losses) | $1,157,000 | 330 |
| Applicable income taxes | $3,817,000 | 272 |
| Income before extraordinary items | $9,560,000 | 269 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $9,560,000 | 268 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $9,560,000 | 269 |
| Net charge-offs | $1,212,000 | 1,992 |
| Cash dividends | $1,663,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $8,738,530 | 288 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $55,876,000 | 327 |
| Total interest expense | $25,118,000 | 261 |
| Net interest income | $30,758,000 | 369 |
| Provision for loan and lease losses | $3,000,000 | 1,087 |
| Total noninterest income | $4,455,000 | 715 |
| Gross Fiduciary activities income | $187,000 | 608 |
| Service charges on deposit accounts | $1,118,000 | 739 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $3,150,000 | 623 |
| Total noninterest expense | $20,475,000 | 537 |
| Salaries and employee benefits | $10,047,000 | 500 |
| Premises and equipment expense | $5,358,000 | 272 |
| Additional noninterest expense | $5,070,000 | 764 |
| Pre-tax net operating income | $11,738,000 | 203 |
| Securities gains (losses) | $267,000 | 834 |
| Applicable income taxes | $3,859,000 | 210 |
| Income before extraordinary items | $8,146,000 | 224 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,146,000 | 223 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $8,146,000 | 223 |
| Net charge-offs | $194,000 | 3,456 |
| Cash dividends | $1,068,000 | 844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $7,964,440 | 218 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $26,578,000 | 346 |
| Total interest expense | $12,599,000 | 278 |
| Net interest income | $13,979,000 | 395 |
| Provision for loan and lease losses | $1,200,000 | 1,046 |
| Total noninterest income | $2,258,000 | 685 |
| Gross Fiduciary activities income | $79,000 | 664 |
| Service charges on deposit accounts | $567,000 | 708 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,612,000 | 599 |
| Total noninterest expense | $9,325,000 | 550 |
| Salaries and employee benefits | $4,806,000 | 528 |
| Premises and equipment expense | $2,578,000 | 289 |
| Additional noninterest expense | $1,941,000 | 848 |
| Pre-tax net operating income | $5,712,000 | 222 |
| Securities gains (losses) | $522,000 | 320 |
| Applicable income taxes | $2,035,000 | 211 |
| Income before extraordinary items | $4,199,000 | 246 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $4,199,000 | 245 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $4,199,000 | 247 |
| Net charge-offs | $92,000 | 2,958 |
| Cash dividends | $474,000 | 943 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $3,849,260 | 245 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $91,919,000 | 427 |
| Total interest expense | $38,475,000 | 426 |
| Net interest income | $53,444,000 | 419 |
| Provision for loan and lease losses | $3,200,000 | 1,327 |
| Total noninterest income | $9,282,000 | 634 |
| Gross Fiduciary activities income | $372,000 | 629 |
| Service charges on deposit accounts | $2,267,000 | 771 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $6,643,000 | 528 |
| Total noninterest expense | $31,730,000 | 629 |
| Salaries and employee benefits | $17,277,000 | 557 |
| Premises and equipment expense | $8,489,000 | 332 |
| Additional noninterest expense | $5,964,000 | 1,083 |
| Pre-tax net operating income | $27,796,000 | 212 |
| Securities gains (losses) | $-803,000 | 7,669 |
| Applicable income taxes | $8,746,000 | 200 |
| Income before extraordinary items | $18,247,000 | 216 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $18,247,000 | 216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 4,496 |
| Cash dividends | $1,651,000 | 1,594 |
| Sale, conversion, retirement of capital stock, net | $25,701,000 | 56 |
| Net operating income | $18,793,040 | 227 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $66,265,000 | 456 |
| Total interest expense | $27,586,000 | 466 |
| Net interest income | $38,679,000 | 447 |
| Provision for loan and lease losses | $2,000,000 | 1,187 |
| Total noninterest income | $6,921,000 | 668 |
| Gross Fiduciary activities income | $274,000 | 640 |
| Service charges on deposit accounts | $1,662,000 | 799 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,985,000 | 558 |
| Total noninterest expense | $23,042,000 | 638 |
| Salaries and employee benefits | $12,802,000 | 585 |
| Premises and equipment expense | $6,054,000 | 357 |
| Additional noninterest expense | $4,186,000 | 1,096 |
| Pre-tax net operating income | $20,558,000 | 274 |
| Securities gains (losses) | $6,000 | 2,568 |
| Applicable income taxes | $6,572,000 | 251 |
| Income before extraordinary items | $13,992,000 | 270 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $13,992,000 | 269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,044 |
| Cash dividends | $1,179,000 | 1,613 |
| Sale, conversion, retirement of capital stock, net | $25,761,000 | 36 |
| Net operating income | $13,987,920 | 287 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $41,798,000 | 489 |
| Total interest expense | $17,641,000 | 497 |
| Net interest income | $24,157,000 | 473 |
| Provision for loan and lease losses | $1,500,000 | 949 |
| Total noninterest income | $4,579,000 | 684 |
| Gross Fiduciary activities income | $177,000 | 657 |
| Service charges on deposit accounts | $1,032,000 | 834 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $3,370,000 | 572 |
| Total noninterest expense | $14,623,000 | 664 |
| Salaries and employee benefits | $8,217,000 | 604 |
| Premises and equipment expense | $3,768,000 | 380 |
| Additional noninterest expense | $2,638,000 | 1,129 |
| Pre-tax net operating income | $12,613,000 | 304 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $3,909,000 | 317 |
| Income before extraordinary items | $8,704,000 | 323 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,704,000 | 322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,853 |
| Cash dividends | $787,000 | 1,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $8,704,000 | 317 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $20,088,000 | 514 |
| Total interest expense | $8,707,000 | 545 |
| Net interest income | $11,381,000 | 489 |
| Provision for loan and lease losses | $800,000 | 722 |
| Total noninterest income | $2,346,000 | 670 |
| Gross Fiduciary activities income | $182,000 | 502 |
| Service charges on deposit accounts | $504,000 | 851 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,660,000 | 577 |
| Total noninterest expense | $6,908,000 | 694 |
| Salaries and employee benefits | $3,995,000 | 632 |
| Premises and equipment expense | $1,792,000 | 402 |
| Additional noninterest expense | $1,121,000 | 1,279 |
| Pre-tax net operating income | $6,019,000 | 344 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,958,000 | 348 |
| Income before extraordinary items | $4,061,000 | 378 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $4,061,000 | 379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,778 |
| Cash dividends | $393,000 | 1,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $4,061,000 | 365 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $78,656,000 | 549 |
| Total interest expense | $36,188,000 | 555 |
| Net interest income | $42,468,000 | 539 |
| Provision for loan and lease losses | $1,300,000 | 1,179 |
| Total noninterest income | $9,174,000 | 654 |
| Gross Fiduciary activities income | $801,000 | 476 |
| Service charges on deposit accounts | $1,947,000 | 915 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $6,426,000 | 560 |
| Total noninterest expense | $26,707,000 | 710 |
| Salaries and employee benefits | $14,744,000 | 651 |
| Premises and equipment expense | $6,687,000 | 402 |
| Additional noninterest expense | $5,276,000 | 1,069 |
| Pre-tax net operating income | $23,635,000 | 408 |
| Securities gains (losses) | $49,000 | 798 |
| Applicable income taxes | $7,774,000 | 396 |
| Income before extraordinary items | $15,910,000 | 425 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $15,910,000 | 422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,750 |
| Cash dividends | $1,533,000 | 1,966 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $15,877,170 | 420 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $58,714,000 | 549 |
| Total interest expense | $26,992,000 | 558 |
| Net interest income | $31,722,000 | 538 |
| Provision for loan and lease losses | $1,000,000 | 898 |
| Total noninterest income | $6,861,000 | 660 |
| Gross Fiduciary activities income | $574,000 | 486 |
| Service charges on deposit accounts | $1,437,000 | 916 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,850,000 | 559 |
| Total noninterest expense | $19,784,000 | 707 |
| Salaries and employee benefits | $11,085,000 | 652 |
| Premises and equipment expense | $5,041,000 | 399 |
| Additional noninterest expense | $3,658,000 | 1,131 |
| Pre-tax net operating income | $17,799,000 | 438 |
| Securities gains (losses) | $34,000 | 713 |
| Applicable income taxes | $5,721,000 | 437 |
| Income before extraordinary items | $12,112,000 | 457 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $12,112,000 | 455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,033 |
| Cash dividends | $1,141,000 | 1,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $12,088,880 | 448 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $38,673,000 | 568 |
| Total interest expense | $17,790,000 | 576 |
| Net interest income | $20,883,000 | 559 |
| Provision for loan and lease losses | $700,000 | 777 |
| Total noninterest income | $4,436,000 | 697 |
| Gross Fiduciary activities income | $429,000 | 460 |
| Service charges on deposit accounts | $895,000 | 988 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,112,000 | 605 |
| Total noninterest expense | $13,131,000 | 720 |
| Salaries and employee benefits | $7,445,000 | 669 |
| Premises and equipment expense | $3,350,000 | 416 |
| Additional noninterest expense | $2,336,000 | 1,196 |
| Pre-tax net operating income | $11,488,000 | 475 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $3,614,000 | 480 |
| Income before extraordinary items | $7,874,000 | 502 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,874,000 | 501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,791 |
| Cash dividends | $749,000 | 1,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $7,874,000 | 491 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $19,106,000 | 566 |
| Total interest expense | $8,813,000 | 570 |
| Net interest income | $10,293,000 | 566 |
| Provision for loan and lease losses | $400,000 | 618 |
| Total noninterest income | $2,226,000 | 688 |
| Gross Fiduciary activities income | $159,000 | 550 |
| Service charges on deposit accounts | $427,000 | 1,004 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,640,000 | 574 |
| Total noninterest expense | $6,580,000 | 713 |
| Salaries and employee benefits | $3,707,000 | 681 |
| Premises and equipment expense | $1,020,000 | 659 |
| Additional noninterest expense | $1,853,000 | 751 |
| Pre-tax net operating income | $5,539,000 | 493 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,751,000 | 487 |
| Income before extraordinary items | $3,788,000 | 512 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,788,000 | 511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,982 |
| Cash dividends | $357,000 | 1,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $3,788,000 | 501 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $67,781,000 | 594 |
| Total interest expense | $28,306,000 | 605 |
| Net interest income | $39,475,000 | 588 |
| Provision for loan and lease losses | $1,500,000 | 710 |
| Total noninterest income | $9,164,000 | 656 |
| Gross Fiduciary activities income | $559,000 | 560 |
| Service charges on deposit accounts | $1,862,000 | 950 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,743,000 | 550 |
| Total noninterest expense | $24,197,000 | 722 |
| Salaries and employee benefits | $13,560,000 | 687 |
| Premises and equipment expense | $5,842,000 | 446 |
| Additional noninterest expense | $4,795,000 | 1,118 |
| Pre-tax net operating income | $22,942,000 | 492 |
| Securities gains (losses) | $194,000 | 392 |
| Applicable income taxes | $7,694,000 | 465 |
| Income before extraordinary items | $15,442,000 | 517 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $15,442,000 | 515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $434,000 | 1,290 |
| Cash dividends | $1,425,000 | 2,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $15,312,020 | 511 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $48,996,000 | 622 |
| Total interest expense | $20,015,000 | 627 |
| Net interest income | $28,981,000 | 612 |
| Provision for loan and lease losses | $1,400,000 | 558 |
| Total noninterest income | $7,011,000 | 662 |
| Gross Fiduciary activities income | $364,000 | 591 |
| Service charges on deposit accounts | $1,423,000 | 934 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,224,000 | 546 |
| Total noninterest expense | $18,046,000 | 744 |
| Salaries and employee benefits | $10,096,000 | 701 |
| Premises and equipment expense | $4,232,000 | 468 |
| Additional noninterest expense | $3,718,000 | 1,091 |
| Pre-tax net operating income | $16,546,000 | 519 |
| Securities gains (losses) | $194,000 | 340 |
| Applicable income taxes | $5,429,000 | 507 |
| Income before extraordinary items | $11,311,000 | 547 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $11,311,000 | 547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,593 |
| Cash dividends | $1,066,000 | 1,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $11,179,080 | 539 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $31,698,000 | 630 |
| Total interest expense | $12,645,000 | 629 |
| Net interest income | $19,053,000 | 616 |
| Provision for loan and lease losses | $1,100,000 | 468 |
| Total noninterest income | $4,706,000 | 656 |
| Gross Fiduciary activities income | $242,000 | 598 |
| Service charges on deposit accounts | $975,000 | 894 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,489,000 | 541 |
| Total noninterest expense | $11,938,000 | 753 |
| Salaries and employee benefits | $6,656,000 | 714 |
| Premises and equipment expense | $2,762,000 | 479 |
| Additional noninterest expense | $2,520,000 | 1,084 |
| Pre-tax net operating income | $10,721,000 | 534 |
| Securities gains (losses) | $-11,000 | 7,893 |
| Applicable income taxes | $3,451,000 | 527 |
| Income before extraordinary items | $7,259,000 | 563 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,259,000 | 561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,967 |
| Cash dividends | $710,000 | 1,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $7,266,480 | 550 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $15,033,000 | 639 |
| Total interest expense | $5,915,000 | 631 |
| Net interest income | $9,118,000 | 629 |
| Provision for loan and lease losses | $600,000 | 400 |
| Total noninterest income | $2,394,000 | 632 |
| Gross Fiduciary activities income | $119,000 | 611 |
| Service charges on deposit accounts | $503,000 | 838 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,772,000 | 534 |
| Total noninterest expense | $5,943,000 | 756 |
| Salaries and employee benefits | $2,650,000 | 921 |
| Premises and equipment expense | $1,411,000 | 471 |
| Additional noninterest expense | $1,882,000 | 726 |
| Pre-tax net operating income | $4,969,000 | 556 |
| Securities gains (losses) | $-11,000 | 8,254 |
| Applicable income taxes | $1,629,000 | 548 |
| Income before extraordinary items | $3,329,000 | 598 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,329,000 | 597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $355,000 | 1,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $3,336,370 | 580 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $48,624,000 | 667 |
| Total interest expense | $15,946,000 | 711 |
| Net interest income | $32,678,000 | 645 |
| Provision for loan and lease losses | $1,200,000 | 871 |
| Total noninterest income | $8,177,000 | 718 |
| Gross Fiduciary activities income | $444,000 | 615 |
| Service charges on deposit accounts | $2,000,000 | 870 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,733,000 | 620 |
| Total noninterest expense | $20,991,000 | 802 |
| Salaries and employee benefits | $12,135,000 | 738 |
| Premises and equipment expense | $5,071,000 | 490 |
| Additional noninterest expense | $3,785,000 | 1,348 |
| Pre-tax net operating income | $18,664,000 | 565 |
| Securities gains (losses) | $13,000 | 1,399 |
| Applicable income taxes | $6,755,000 | 518 |
| Income before extraordinary items | $11,922,000 | 620 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $11,922,000 | 621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,737 |
| Cash dividends | $1,422,000 | 1,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $11,913,680 | 607 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $34,712,000 | 681 |
| Total interest expense | $11,031,000 | 722 |
| Net interest income | $23,681,000 | 656 |
| Provision for loan and lease losses | $525,000 | 1,344 |
| Total noninterest income | $6,169,000 | 718 |
| Gross Fiduciary activities income | $330,000 | 610 |
| Service charges on deposit accounts | $1,475,000 | 885 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,364,000 | 612 |
| Total noninterest expense | $15,923,000 | 794 |
| Salaries and employee benefits | $9,264,000 | 723 |
| Premises and equipment expense | $3,769,000 | 485 |
| Additional noninterest expense | $2,890,000 | 1,318 |
| Pre-tax net operating income | $13,402,000 | 584 |
| Securities gains (losses) | $13,000 | 1,390 |
| Applicable income taxes | $4,798,000 | 539 |
| Income before extraordinary items | $8,617,000 | 646 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,617,000 | 646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,687 |
| Cash dividends | $1,066,000 | 1,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $8,608,680 | 632 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $22,011,000 | 692 |
| Total interest expense | $6,835,000 | 737 |
| Net interest income | $15,176,000 | 669 |
| Provision for loan and lease losses | $225,000 | 1,956 |
| Total noninterest income | $4,036,000 | 718 |
| Gross Fiduciary activities income | $214,000 | 622 |
| Service charges on deposit accounts | $975,000 | 880 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,847,000 | 615 |
| Total noninterest expense | $10,518,000 | 791 |
| Salaries and employee benefits | $6,036,000 | 736 |
| Premises and equipment expense | $2,482,000 | 488 |
| Additional noninterest expense | $2,000,000 | 1,256 |
| Pre-tax net operating income | $8,469,000 | 596 |
| Securities gains (losses) | $13,000 | 1,257 |
| Applicable income taxes | $3,034,000 | 546 |
| Income before extraordinary items | $5,448,000 | 659 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,448,000 | 659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,400 |
| Cash dividends | $711,000 | 1,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,439,680 | 644 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $10,553,000 | 711 |
| Total interest expense | $3,237,000 | 743 |
| Net interest income | $7,316,000 | 692 |
| Provision for loan and lease losses | $140,000 | 1,548 |
| Total noninterest income | $1,276,000 | 1,031 |
| Gross Fiduciary activities income | $103,000 | 634 |
| Service charges on deposit accounts | $471,000 | 870 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $702,000 | 1,043 |
| Total noninterest expense | $4,650,000 | 895 |
| Salaries and employee benefits | $2,511,000 | 883 |
| Premises and equipment expense | $1,155,000 | 518 |
| Additional noninterest expense | $984,000 | 1,263 |
| Pre-tax net operating income | $3,802,000 | 654 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $1,263,000 | 645 |
| Income before extraordinary items | $2,542,000 | 702 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,542,000 | 702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $355,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,539,990 | 682 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $36,530,000 | 766 |
| Total interest expense | $9,861,000 | 824 |
| Net interest income | $26,669,000 | 729 |
| Provision for loan and lease losses | $196,000 | 3,732 |
| Total noninterest income | $4,083,000 | 1,257 |
| Gross Fiduciary activities income | $439,000 | 609 |
| Service charges on deposit accounts | $1,707,000 | 1,050 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,937,000 | 1,348 |
| Total noninterest expense | $14,727,000 | 1,105 |
| Salaries and employee benefits | $8,755,000 | 975 |
| Premises and equipment expense | $2,915,000 | 778 |
| Additional noninterest expense | $3,057,000 | 1,596 |
| Pre-tax net operating income | $15,829,000 | 588 |
| Securities gains (losses) | $437,000 | 493 |
| Applicable income taxes | $5,643,000 | 554 |
| Income before extraordinary items | $10,623,000 | 634 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $10,623,000 | 635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,442 |
| Cash dividends | $1,186,000 | 2,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $10,338,950 | 622 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $26,522,000 | 788 |
| Total interest expense | $7,241,000 | 819 |
| Net interest income | $19,281,000 | 751 |
| Provision for loan and lease losses | $60,000 | 5,125 |
| Total noninterest income | $3,016,000 | 1,302 |
| Gross Fiduciary activities income | $302,000 | 631 |
| Service charges on deposit accounts | $1,286,000 | 1,045 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,428,000 | 1,390 |
| Total noninterest expense | $10,616,000 | 1,149 |
| Salaries and employee benefits | $6,366,000 | 1,008 |
| Premises and equipment expense | $2,089,000 | 815 |
| Additional noninterest expense | $2,161,000 | 1,675 |
| Pre-tax net operating income | $11,621,000 | 603 |
| Securities gains (losses) | $337,000 | 551 |
| Applicable income taxes | $4,176,000 | 559 |
| Income before extraordinary items | $7,782,000 | 658 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $7,782,000 | 659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,609 |
| Cash dividends | $890,000 | 1,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $7,562,950 | 642 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $17,211,000 | 803 |
| Total interest expense | $4,711,000 | 823 |
| Net interest income | $12,500,000 | 769 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,849,000 | 1,361 |
| Gross Fiduciary activities income | $208,000 | 630 |
| Service charges on deposit accounts | $913,000 | 950 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $728,000 | 1,666 |
| Total noninterest expense | $6,970,000 | 1,160 |
| Salaries and employee benefits | $4,134,000 | 1,033 |
| Premises and equipment expense | $1,389,000 | 816 |
| Additional noninterest expense | $1,447,000 | 1,663 |
| Pre-tax net operating income | $7,379,000 | 622 |
| Securities gains (losses) | $288,000 | 504 |
| Applicable income taxes | $2,687,000 | 575 |
| Income before extraordinary items | $4,980,000 | 671 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,980,000 | 671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 1,770 |
| Cash dividends | $594,000 | 1,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,792,800 | 670 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,334,000 | 839 |
| Total interest expense | $2,363,000 | 848 |
| Net interest income | $5,971,000 | 823 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $925,000 | 1,336 |
| Gross Fiduciary activities income | $110,000 | 624 |
| Service charges on deposit accounts | $426,000 | 998 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $389,000 | 1,566 |
| Total noninterest expense | $3,508,000 | 1,161 |
| Salaries and employee benefits | $2,111,000 | 1,022 |
| Premises and equipment expense | $699,000 | 822 |
| Additional noninterest expense | $698,000 | 1,697 |
| Pre-tax net operating income | $3,388,000 | 656 |
| Securities gains (losses) | $94,000 | 837 |
| Applicable income taxes | $1,213,000 | 638 |
| Income before extraordinary items | $2,269,000 | 733 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,269,000 | 733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $297,000 | 1,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,207,900 | 708 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,170,000 | 932 |
| Total interest expense | $7,554,000 | 1,183 |
| Net interest income | $22,616,000 | 856 |
| Provision for loan and lease losses | $763,000 | 1,523 |
| Total noninterest income | $3,737,000 | 1,424 |
| Gross Fiduciary activities income | $581,000 | 513 |
| Service charges on deposit accounts | $1,784,000 | 965 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,372,000 | 1,943 |
| Total noninterest expense | $11,297,000 | 1,425 |
| Salaries and employee benefits | $6,159,000 | 1,395 |
| Premises and equipment expense | $2,577,000 | 869 |
| Additional noninterest expense | $2,561,000 | 1,887 |
| Pre-tax net operating income | $14,293,000 | 625 |
| Securities gains (losses) | $109,000 | 1,813 |
| Applicable income taxes | $5,199,000 | 601 |
| Income before extraordinary items | $9,203,000 | 713 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,203,000 | 715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,947 |
| Cash dividends | $1,082,000 | 2,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $9,133,240 | 668 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $22,263,000 | 964 |
| Total interest expense | $5,569,000 | 1,250 |
| Net interest income | $16,694,000 | 879 |
| Provision for loan and lease losses | $600,000 | 1,404 |
| Total noninterest income | $2,840,000 | 1,427 |
| Gross Fiduciary activities income | $453,000 | 506 |
| Service charges on deposit accounts | $1,332,000 | 980 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,055,000 | 1,974 |
| Total noninterest expense | $8,640,000 | 1,405 |
| Salaries and employee benefits | $4,890,000 | 1,339 |
| Premises and equipment expense | $1,910,000 | 895 |
| Additional noninterest expense | $1,840,000 | 1,944 |
| Pre-tax net operating income | $10,294,000 | 669 |
| Securities gains (losses) | $61,000 | 2,145 |
| Applicable income taxes | $3,759,000 | 645 |
| Income before extraordinary items | $6,596,000 | 774 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,596,000 | 775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,128 |
| Cash dividends | $815,000 | 1,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,556,960 | 725 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $14,313,000 | 1,015 |
| Total interest expense | $3,734,000 | 1,282 |
| Net interest income | $10,579,000 | 924 |
| Provision for loan and lease losses | $350,000 | 1,581 |
| Total noninterest income | $2,725,000 | 1,078 |
| Gross Fiduciary activities income | $226,000 | 604 |
| Service charges on deposit accounts | $938,000 | 911 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,561,000 | 1,104 |
| Total noninterest expense | $6,387,000 | 1,282 |
| Salaries and employee benefits | $3,726,000 | 1,145 |
| Premises and equipment expense | $1,270,000 | 902 |
| Additional noninterest expense | $1,391,000 | 1,724 |
| Pre-tax net operating income | $6,567,000 | 695 |
| Securities gains (losses) | $17,000 | 2,697 |
| Applicable income taxes | $2,393,000 | 677 |
| Income before extraordinary items | $4,191,000 | 810 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,191,000 | 811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,754 |
| Cash dividends | $544,000 | 2,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,180,120 | 749 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,000,000 | 1,048 |
| Total interest expense | $1,846,000 | 1,322 |
| Net interest income | $5,154,000 | 945 |
| Provision for loan and lease losses | $80,000 | 2,724 |
| Total noninterest income | $1,187,000 | 1,173 |
| Gross Fiduciary activities income | $101,000 | 643 |
| Service charges on deposit accounts | $455,000 | 911 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $631,000 | 1,245 |
| Total noninterest expense | $3,174,000 | 1,272 |
| Salaries and employee benefits | $1,821,000 | 1,167 |
| Premises and equipment expense | $626,000 | 919 |
| Additional noninterest expense | $727,000 | 1,622 |
| Pre-tax net operating income | $3,087,000 | 736 |
| Securities gains (losses) | $10,000 | 2,181 |
| Applicable income taxes | $1,110,000 | 718 |
| Income before extraordinary items | $1,987,000 | 849 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,987,000 | 849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $272,000 | 1,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,980,600 | 780 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $27,207,000 | 1,136 |
| Total interest expense | $7,410,000 | 1,532 |
| Net interest income | $19,797,000 | 979 |
| Provision for loan and lease losses | $1,020,000 | 1,326 |
| Total noninterest income | $5,128,000 | 1,040 |
| Gross Fiduciary activities income | $457,000 | 604 |
| Service charges on deposit accounts | $1,922,000 | 836 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,749,000 | 1,056 |
| Total noninterest expense | $11,733,000 | 1,318 |
| Salaries and employee benefits | $6,529,000 | 1,238 |
| Premises and equipment expense | $2,190,000 | 999 |
| Additional noninterest expense | $3,014,000 | 1,570 |
| Pre-tax net operating income | $12,172,000 | 725 |
| Securities gains (losses) | $77,000 | 2,005 |
| Applicable income taxes | $4,327,000 | 675 |
| Income before extraordinary items | $7,922,000 | 801 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,922,000 | 801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,329 |
| Cash dividends | $921,000 | 2,400 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,871,950 | 775 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,183,000 | 1,348 |
| Total interest expense | $9,389,000 | 1,729 |
| Net interest income | $15,794,000 | 1,123 |
| Provision for loan and lease losses | $990,000 | 1,265 |
| Total noninterest income | $4,466,000 | 1,091 |
| Gross Fiduciary activities income | $491,000 | 601 |
| Service charges on deposit accounts | $1,770,000 | 836 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,205,000 | 1,156 |
| Total noninterest expense | $9,836,000 | 1,496 |
| Salaries and employee benefits | $5,471,000 | 1,377 |
| Premises and equipment expense | $1,866,000 | 1,138 |
| Additional noninterest expense | $2,499,000 | 1,833 |
| Pre-tax net operating income | $9,434,000 | 810 |
| Securities gains (losses) | $-5,000 | 9,212 |
| Applicable income taxes | $3,359,000 | 762 |
| Income before extraordinary items | $6,070,000 | 903 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,070,000 | 904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 1,828 |
| Cash dividends | $806,000 | 2,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,073,200 | 862 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,005,000 | 1,501 |
| Total interest expense | $9,444,000 | 1,823 |
| Net interest income | $13,561,000 | 1,295 |
| Provision for loan and lease losses | $540,000 | 1,753 |
| Total noninterest income | $3,473,000 | 1,183 |
| Gross Fiduciary activities income | $443,000 | 631 |
| Service charges on deposit accounts | $1,590,000 | 850 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,440,000 | 1,429 |
| Total noninterest expense | $8,670,000 | 1,617 |
| Salaries and employee benefits | $4,960,000 | 1,428 |
| Premises and equipment expense | $1,725,000 | 1,166 |
| Additional noninterest expense | $1,985,000 | 2,176 |
| Pre-tax net operating income | $7,824,000 | 987 |
| Securities gains (losses) | $-41,000 | 9,106 |
| Applicable income taxes | $2,792,000 | 877 |
| Income before extraordinary items | $4,991,000 | 1,070 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,991,000 | 1,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,854 |
| Cash dividends | $766,000 | 2,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,017,240 | 1,060 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,220,000 | 1,892 |
| Total interest expense | $5,258,000 | 2,784 |
| Net interest income | $11,962,000 | 1,463 |
| Provision for loan and lease losses | $450,000 | 1,911 |
| Total noninterest income | $3,165,000 | 1,302 |
| Gross Fiduciary activities income | $461,000 | 663 |
| Service charges on deposit accounts | $1,502,000 | 881 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,202,000 | 1,636 |
| Total noninterest expense | $7,995,000 | 1,723 |
| Salaries and employee benefits | $4,331,000 | 1,600 |
| Premises and equipment expense | $1,672,000 | 1,206 |
| Additional noninterest expense | $1,992,000 | 2,195 |
| Pre-tax net operating income | $6,682,000 | 1,158 |
| Securities gains (losses) | $17,000 | 1,477 |
| Applicable income taxes | $2,445,000 | 1,035 |
| Income before extraordinary items | $4,254,000 | 1,271 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,254,000 | 1,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,728 |
| Cash dividends | $710,000 | 2,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,243,120 | 1,254 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,741,000 | 2,219 |
| Total interest expense | $4,443,000 | 3,341 |
| Net interest income | $10,298,000 | 1,656 |
| Provision for loan and lease losses | $525,000 | 1,654 |
| Total noninterest income | $2,833,000 | 1,406 |
| Gross Fiduciary activities income | $400,000 | 705 |
| Service charges on deposit accounts | $1,480,000 | 831 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $953,000 | 1,925 |
| Total noninterest expense | $7,120,000 | 1,827 |
| Salaries and employee benefits | $3,935,000 | 1,687 |
| Premises and equipment expense | $1,458,000 | 1,333 |
| Additional noninterest expense | $1,727,000 | 2,406 |
| Pre-tax net operating income | $5,486,000 | 1,373 |
| Securities gains (losses) | $41,000 | 1,880 |
| Applicable income taxes | $2,027,000 | 1,250 |
| Income before extraordinary items | $3,500,000 | 1,509 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,500,000 | 1,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,991 |
| Cash dividends | $673,000 | 2,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,473,760 | 1,453 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,602,000 | 2,231 |
| Total interest expense | $4,153,000 | 3,536 |
| Net interest income | $10,449,000 | 1,669 |
| Provision for loan and lease losses | $805,000 | 1,175 |
| Total noninterest income | $2,635,000 | 1,423 |
| Gross Fiduciary activities income | $365,000 | 761 |
| Service charges on deposit accounts | $1,519,000 | 846 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $751,000 | 2,114 |
| Total noninterest expense | $6,867,000 | 1,886 |
| Salaries and employee benefits | $3,619,000 | 1,807 |
| Premises and equipment expense | $1,464,000 | 1,338 |
| Additional noninterest expense | $1,784,000 | 2,325 |
| Pre-tax net operating income | $5,412,000 | 1,438 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $2,081,000 | 1,273 |
| Income before extraordinary items | $3,331,000 | 1,627 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,331,000 | 1,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $750,000 | 965 |
| Cash dividends | $607,000 | 3,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,331,000 | 1,584 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,687,000 | 2,636 |
| Total interest expense | $3,685,000 | 3,991 |
| Net interest income | $9,002,000 | 1,997 |
| Provision for loan and lease losses | $370,000 | 2,206 |
| Total noninterest income | $2,312,000 | 1,638 |
| Gross Fiduciary activities income | $434,000 | 742 |
| Service charges on deposit accounts | $1,337,000 | 995 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $541,000 | 2,760 |
| Total noninterest expense | $8,257,000 | 1,717 |
| Salaries and employee benefits | $4,097,000 | 1,627 |
| Premises and equipment expense | $1,767,000 | 1,187 |
| Additional noninterest expense | $2,393,000 | 2,091 |
| Pre-tax net operating income | $2,687,000 | 2,603 |
| Securities gains (losses) | $17,000 | 2,110 |
| Applicable income taxes | $998,000 | 2,350 |
| Income before extraordinary items | $1,706,000 | 2,842 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,706,000 | 2,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,872 |
| Cash dividends | $555,000 | 3,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,695,120 | 2,816 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,358,000 | 2,935 |
| Total interest expense | $3,365,000 | 4,307 |
| Net interest income | $7,993,000 | 2,254 |
| Provision for loan and lease losses | $110,000 | 4,388 |
| Total noninterest income | $2,163,000 | 1,723 |
| Gross Fiduciary activities income | $402,000 | 802 |
| Service charges on deposit accounts | $1,279,000 | 1,046 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $482,000 | 2,950 |
| Total noninterest expense | $7,720,000 | 1,816 |
| Salaries and employee benefits | $4,232,000 | 1,573 |
| Premises and equipment expense | $1,567,000 | 1,322 |
| Additional noninterest expense | $1,921,000 | 2,487 |
| Pre-tax net operating income | $2,326,000 | 3,048 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $849,000 | 2,747 |
| Income before extraordinary items | $1,478,000 | 3,287 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,478,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,457 |
| Cash dividends | $669,000 | 2,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,477,360 | 3,267 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,678,000 | 2,846 |
| Total interest expense | $2,533,000 | 4,593 |
| Net interest income | $8,145,000 | 2,214 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $2,078,000 | 1,798 |
| Gross Fiduciary activities income | $299,000 | 902 |
| Service charges on deposit accounts | $1,345,000 | 982 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $434,000 | 3,240 |
| Total noninterest expense | $8,231,000 | 1,771 |
| Salaries and employee benefits | $4,389,000 | 1,529 |
| Premises and equipment expense | $1,488,000 | 1,400 |
| Additional noninterest expense | $2,354,000 | 2,247 |
| Pre-tax net operating income | $1,872,000 | 3,628 |
| Securities gains (losses) | $23,000 | 1,661 |
| Applicable income taxes | $663,000 | 3,220 |
| Income before extraordinary items | $1,232,000 | 3,760 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,232,000 | 3,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 2,109 |
| Cash dividends | $440,000 | 3,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,217,050 | 3,832 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,948,000 | 2,833 |
| Total interest expense | $2,700,000 | 4,516 |
| Net interest income | $8,248,000 | 2,183 |
| Provision for loan and lease losses | $1,364,000 | 1,064 |
| Total noninterest income | $2,036,000 | 1,951 |
| Gross Fiduciary activities income | $331,000 | 905 |
| Service charges on deposit accounts | $1,263,000 | 1,054 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $442,000 | 3,530 |
| Total noninterest expense | $8,841,000 | 1,711 |
| Salaries and employee benefits | $4,517,000 | 1,503 |
| Premises and equipment expense | $1,438,000 | 1,477 |
| Additional noninterest expense | $2,886,000 | 1,971 |
| Pre-tax net operating income | $79,000 | 12,005 |
| Securities gains (losses) | $240,000 | 1,490 |
| Applicable income taxes | $17,000 | 11,667 |
| Income before extraordinary items | $302,000 | 9,465 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $302,000 | 9,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,913,000 | 744 |
| Cash dividends | $330,000 | 4,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $74,000 | 11,895 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,902,000 | 2,947 |
| Total interest expense | $3,857,000 | 4,200 |
| Net interest income | $8,045,000 | 2,263 |
| Provision for loan and lease losses | $1,096,000 | 1,735 |
| Total noninterest income | $1,842,000 | 2,049 |
| Gross Fiduciary activities income | $280,000 | 986 |
| Service charges on deposit accounts | $1,202,000 | 1,088 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $360,000 | 3,961 |
| Total noninterest expense | $7,817,000 | 1,921 |
| Salaries and employee benefits | $4,483,000 | 1,478 |
| Premises and equipment expense | $1,485,000 | 1,449 |
| Additional noninterest expense | $1,849,000 | 2,997 |
| Pre-tax net operating income | $974,000 | 5,731 |
| Securities gains (losses) | $55,000 | 3,959 |
| Applicable income taxes | $261,000 | 6,499 |
| Income before extraordinary items | $768,000 | 5,529 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $768,000 | 5,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $543,000 | 2,333 |
| Cash dividends | $329,000 | 3,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $726,750 | 5,428 |
* 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.