Home > Flagship Bank and Trust Company > Income and Expense
Flagship Bank and Trust Company, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,468,000 | 1,527 |
| Total interest expense | $6,068,000 | 2,495 |
| Net interest income | $19,400,000 | 1,137 |
| Provision for loan and lease losses | $275,000 | 4,772 |
| Total noninterest income | $5,359,000 | 990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $5,359,000 | 616 |
| Total noninterest expense | $17,348,000 | 1,130 |
| Salaries and employee benefits | $6,817,000 | 1,520 |
| Premises and equipment expense | $2,114,000 | 1,296 |
| Additional noninterest expense | $8,417,000 | 786 |
| Pre-tax net operating income | $7,136,000 | 776 |
| Securities gains (losses) | $186,000 | 756 |
| Applicable income taxes | $1,990,000 | 682 |
| Income before extraordinary items | $5,332,000 | 758 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,332,000 | 758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 4,095 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $5,196,220 | 839 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,790,000 | 1,512 |
| Total interest expense | $4,980,000 | 2,384 |
| Net interest income | $14,810,000 | 1,133 |
| Provision for loan and lease losses | $241,000 | 3,901 |
| Total noninterest income | $3,998,000 | 1,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,998,000 | 659 |
| Total noninterest expense | $13,080,000 | 1,118 |
| Salaries and employee benefits | $5,179,000 | 1,527 |
| Premises and equipment expense | $1,622,000 | 1,274 |
| Additional noninterest expense | $6,279,000 | 742 |
| Pre-tax net operating income | $5,487,000 | 926 |
| Securities gains (losses) | $170,000 | 691 |
| Applicable income taxes | $2,191,000 | 602 |
| Income before extraordinary items | $3,466,000 | 1,074 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,466,000 | 1,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 3,289 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,357,200 | 1,182 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,637,000 | 1,482 |
| Total interest expense | $3,683,000 | 2,265 |
| Net interest income | $9,954,000 | 1,101 |
| Provision for loan and lease losses | $233,000 | 2,920 |
| Total noninterest income | $2,580,000 | 1,088 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,580,000 | 696 |
| Total noninterest expense | $8,928,000 | 1,091 |
| Salaries and employee benefits | $3,580,000 | 1,471 |
| Premises and equipment expense | $1,129,000 | 1,209 |
| Additional noninterest expense | $4,219,000 | 717 |
| Pre-tax net operating income | $3,373,000 | 1,063 |
| Securities gains (losses) | $135,000 | 792 |
| Applicable income taxes | $1,250,000 | 776 |
| Income before extraordinary items | $2,258,000 | 1,225 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,258,000 | 1,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,498 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,171,600 | 1,248 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,187,000 | 1,434 |
| Total interest expense | $2,205,000 | 2,077 |
| Net interest income | $4,982,000 | 1,097 |
| Provision for loan and lease losses | $330,000 | 1,289 |
| Total noninterest income | $1,241,000 | 1,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,241,000 | 719 |
| Total noninterest expense | $4,493,000 | 1,078 |
| Salaries and employee benefits | $1,844,000 | 1,436 |
| Premises and equipment expense | $557,000 | 1,233 |
| Additional noninterest expense | $2,092,000 | 699 |
| Pre-tax net operating income | $1,400,000 | 1,354 |
| Securities gains (losses) | $111,000 | 668 |
| Applicable income taxes | $551,000 | 924 |
| Income before extraordinary items | $960,000 | 1,562 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $960,000 | 1,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,996 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $888,960 | 1,613 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $30,409,000 | 1,409 |
| Total interest expense | $10,783,000 | 1,847 |
| Net interest income | $19,626,000 | 1,127 |
| Provision for loan and lease losses | $350,000 | 2,914 |
| Total noninterest income | $3,808,000 | 1,351 |
| Gross Fiduciary activities income | $1,404,000 | 344 |
| Service charges on deposit accounts | $1,391,000 | 1,278 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,013,000 | 2,205 |
| Total noninterest expense | $15,315,000 | 1,212 |
| Salaries and employee benefits | $7,439,000 | 1,356 |
| Premises and equipment expense | $2,236,000 | 1,173 |
| Additional noninterest expense | $5,640,000 | 1,008 |
| Pre-tax net operating income | $7,769,000 | 1,082 |
| Securities gains (losses) | $-1,571,000 | 8,446 |
| Applicable income taxes | $2,372,000 | 974 |
| Income before extraordinary items | $3,826,000 | 1,658 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,826,000 | 1,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,739 |
| Cash dividends | $1,849,000 | 1,713 |
| Sale, conversion, retirement of capital stock, net | $-231,000 | 8,459 |
| Net operating income | $4,831,440 | 1,313 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,713,000 | 1,423 |
| Total interest expense | $8,159,000 | 1,820 |
| Net interest income | $14,554,000 | 1,152 |
| Provision for loan and lease losses | $200,000 | 2,996 |
| Total noninterest income | $2,847,000 | 1,362 |
| Gross Fiduciary activities income | $1,053,000 | 337 |
| Service charges on deposit accounts | $1,032,000 | 1,274 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $762,000 | 2,184 |
| Total noninterest expense | $11,447,000 | 1,216 |
| Salaries and employee benefits | $5,587,000 | 1,346 |
| Premises and equipment expense | $1,673,000 | 1,178 |
| Additional noninterest expense | $4,187,000 | 991 |
| Pre-tax net operating income | $5,754,000 | 1,189 |
| Securities gains (losses) | $-1,571,000 | 8,503 |
| Applicable income taxes | $1,610,000 | 1,153 |
| Income before extraordinary items | $2,573,000 | 1,958 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,573,000 | 1,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,931 |
| Cash dividends | $1,849,000 | 1,298 |
| Sale, conversion, retirement of capital stock, net | $-58,000 | 8,475 |
| Net operating income | $3,578,440 | 1,418 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,009,000 | 1,446 |
| Total interest expense | $5,453,000 | 1,829 |
| Net interest income | $9,556,000 | 1,195 |
| Provision for loan and lease losses | $200,000 | 2,152 |
| Total noninterest income | $1,921,000 | 1,368 |
| Gross Fiduciary activities income | $699,000 | 341 |
| Service charges on deposit accounts | $688,000 | 1,279 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $534,000 | 2,156 |
| Total noninterest expense | $7,669,000 | 1,230 |
| Salaries and employee benefits | $3,722,000 | 1,364 |
| Premises and equipment expense | $1,124,000 | 1,190 |
| Additional noninterest expense | $2,823,000 | 988 |
| Pre-tax net operating income | $3,608,000 | 1,311 |
| Securities gains (losses) | $-1,571,000 | 8,570 |
| Applicable income taxes | $776,000 | 1,521 |
| Income before extraordinary items | $1,261,000 | 2,537 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,261,000 | 2,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,435 |
| Cash dividends | $1,567,000 | 1,083 |
| Sale, conversion, retirement of capital stock, net | $-116,000 | 8,564 |
| Net operating income | $2,266,440 | 1,529 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,508,000 | 1,434 |
| Total interest expense | $2,821,000 | 1,761 |
| Net interest income | $4,687,000 | 1,212 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $930,000 | 1,380 |
| Gross Fiduciary activities income | $354,000 | 340 |
| Service charges on deposit accounts | $341,000 | 1,266 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $235,000 | 2,309 |
| Total noninterest expense | $3,761,000 | 1,245 |
| Salaries and employee benefits | $1,837,000 | 1,405 |
| Premises and equipment expense | $533,000 | 1,264 |
| Additional noninterest expense | $1,391,000 | 983 |
| Pre-tax net operating income | $1,706,000 | 1,377 |
| Securities gains (losses) | $3,000 | 908 |
| Applicable income taxes | $619,000 | 1,089 |
| Income before extraordinary items | $1,090,000 | 1,585 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,090,000 | 1,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,108 |
| Cash dividends | $670,000 | 1,121 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 495 |
| Net operating income | $1,088,080 | 1,574 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,157,000 | 1,307 |
| Total interest expense | $9,504,000 | 1,767 |
| Net interest income | $20,653,000 | 1,075 |
| Provision for loan and lease losses | $1,035,000 | 1,013 |
| Total noninterest income | $3,686,000 | 1,371 |
| Gross Fiduciary activities income | $1,395,000 | 336 |
| Service charges on deposit accounts | $1,433,000 | 1,240 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $858,000 | 2,469 |
| Total noninterest expense | $14,631,000 | 1,228 |
| Salaries and employee benefits | $6,787,000 | 1,458 |
| Premises and equipment expense | $2,232,000 | 1,146 |
| Additional noninterest expense | $5,612,000 | 950 |
| Pre-tax net operating income | $8,673,000 | 1,137 |
| Securities gains (losses) | $5,000 | 1,264 |
| Applicable income taxes | $3,391,000 | 851 |
| Income before extraordinary items | $5,287,000 | 1,381 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,287,000 | 1,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,728 |
| Cash dividends | $6,450,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $229,000 | 736 |
| Net operating income | $5,283,800 | 1,372 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,445,000 | 1,313 |
| Total interest expense | $6,742,000 | 1,801 |
| Net interest income | $15,703,000 | 1,082 |
| Provision for loan and lease losses | $700,000 | 1,050 |
| Total noninterest income | $2,753,000 | 1,398 |
| Gross Fiduciary activities income | $1,042,000 | 338 |
| Service charges on deposit accounts | $1,073,000 | 1,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $638,000 | 2,474 |
| Total noninterest expense | $11,108,000 | 1,231 |
| Salaries and employee benefits | $5,182,000 | 1,425 |
| Premises and equipment expense | $1,696,000 | 1,135 |
| Additional noninterest expense | $4,230,000 | 940 |
| Pre-tax net operating income | $6,648,000 | 1,151 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,549,000 | 891 |
| Income before extraordinary items | $4,099,000 | 1,387 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,099,000 | 1,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 1,343 |
| Cash dividends | $4,700,000 | 549 |
| Sale, conversion, retirement of capital stock, net | $228,000 | 568 |
| Net operating income | $4,099,000 | 1,369 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,693,000 | 1,312 |
| Total interest expense | $4,047,000 | 1,888 |
| Net interest income | $10,646,000 | 1,067 |
| Provision for loan and lease losses | $650,000 | 759 |
| Total noninterest income | $1,872,000 | 1,373 |
| Gross Fiduciary activities income | $701,000 | 341 |
| Service charges on deposit accounts | $713,000 | 1,247 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $458,000 | 2,341 |
| Total noninterest expense | $7,475,000 | 1,225 |
| Salaries and employee benefits | $3,441,000 | 1,437 |
| Premises and equipment expense | $1,137,000 | 1,122 |
| Additional noninterest expense | $2,897,000 | 929 |
| Pre-tax net operating income | $4,393,000 | 1,160 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,646,000 | 919 |
| Income before extraordinary items | $2,747,000 | 1,366 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,747,000 | 1,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 959 |
| Cash dividends | $4,700,000 | 399 |
| Sale, conversion, retirement of capital stock, net | $228,000 | 422 |
| Net operating income | $2,747,000 | 1,357 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,271,000 | 1,304 |
| Total interest expense | $1,859,000 | 1,945 |
| Net interest income | $5,412,000 | 1,049 |
| Provision for loan and lease losses | $450,000 | 528 |
| Total noninterest income | $895,000 | 1,390 |
| Gross Fiduciary activities income | $353,000 | 336 |
| Service charges on deposit accounts | $337,000 | 1,278 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $205,000 | 2,452 |
| Total noninterest expense | $3,693,000 | 1,236 |
| Salaries and employee benefits | $1,730,000 | 1,440 |
| Premises and equipment expense | $568,000 | 1,124 |
| Additional noninterest expense | $1,395,000 | 955 |
| Pre-tax net operating income | $2,164,000 | 1,142 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $788,000 | 943 |
| Income before extraordinary items | $1,376,000 | 1,330 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,376,000 | 1,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 917 |
| Cash dividends | $1,150,000 | 666 |
| Sale, conversion, retirement of capital stock, net | $228,000 | 237 |
| Net operating income | $1,376,000 | 1,312 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,661,000 | 1,259 |
| Total interest expense | $5,098,000 | 2,166 |
| Net interest income | $21,563,000 | 988 |
| Provision for loan and lease losses | $150,000 | 4,107 |
| Total noninterest income | $3,592,000 | 1,394 |
| Gross Fiduciary activities income | $1,262,000 | 354 |
| Service charges on deposit accounts | $1,384,000 | 1,285 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $946,000 | 2,293 |
| Total noninterest expense | $14,328,000 | 1,214 |
| Salaries and employee benefits | $6,450,000 | 1,448 |
| Premises and equipment expense | $2,217,000 | 1,089 |
| Additional noninterest expense | $5,661,000 | 913 |
| Pre-tax net operating income | $10,677,000 | 926 |
| Securities gains (losses) | $29,000 | 1,127 |
| Applicable income taxes | $4,038,000 | 765 |
| Income before extraordinary items | $6,668,000 | 1,089 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,668,000 | 1,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,857 |
| Cash dividends | $3,400,000 | 937 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,649,440 | 1,074 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,483,000 | 1,247 |
| Total interest expense | $3,522,000 | 2,201 |
| Net interest income | $15,961,000 | 986 |
| Provision for loan and lease losses | $113,000 | 3,996 |
| Total noninterest income | $2,686,000 | 1,407 |
| Gross Fiduciary activities income | $938,000 | 348 |
| Service charges on deposit accounts | $1,041,000 | 1,262 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $707,000 | 2,304 |
| Total noninterest expense | $10,847,000 | 1,192 |
| Salaries and employee benefits | $4,891,000 | 1,415 |
| Premises and equipment expense | $1,654,000 | 1,093 |
| Additional noninterest expense | $4,302,000 | 882 |
| Pre-tax net operating income | $7,687,000 | 958 |
| Securities gains (losses) | $29,000 | 1,083 |
| Applicable income taxes | $2,878,000 | 805 |
| Income before extraordinary items | $4,838,000 | 1,119 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,838,000 | 1,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,098 |
| Cash dividends | $2,650,000 | 831 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,819,440 | 1,106 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,748,000 | 1,229 |
| Total interest expense | $2,228,000 | 2,205 |
| Net interest income | $10,520,000 | 989 |
| Provision for loan and lease losses | $75,000 | 3,815 |
| Total noninterest income | $1,821,000 | 1,368 |
| Gross Fiduciary activities income | $624,000 | 347 |
| Service charges on deposit accounts | $696,000 | 1,222 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $501,000 | 2,176 |
| Total noninterest expense | $7,359,000 | 1,148 |
| Salaries and employee benefits | $3,302,000 | 1,390 |
| Premises and equipment expense | $1,107,000 | 1,078 |
| Additional noninterest expense | $2,950,000 | 857 |
| Pre-tax net operating income | $4,907,000 | 968 |
| Securities gains (losses) | $13,000 | 1,257 |
| Applicable income taxes | $1,836,000 | 817 |
| Income before extraordinary items | $3,084,000 | 1,142 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,084,000 | 1,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,351 |
| Cash dividends | $1,250,000 | 1,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,075,680 | 1,118 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,160,000 | 1,252 |
| Total interest expense | $986,000 | 2,369 |
| Net interest income | $5,174,000 | 999 |
| Provision for loan and lease losses | $38,000 | 3,670 |
| Total noninterest income | $867,000 | 1,405 |
| Gross Fiduciary activities income | $311,000 | 352 |
| Service charges on deposit accounts | $334,000 | 1,227 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $222,000 | 2,327 |
| Total noninterest expense | $3,670,000 | 1,138 |
| Salaries and employee benefits | $1,613,000 | 1,432 |
| Premises and equipment expense | $554,000 | 1,084 |
| Additional noninterest expense | $1,503,000 | 831 |
| Pre-tax net operating income | $2,333,000 | 1,004 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $868,000 | 850 |
| Income before extraordinary items | $1,465,000 | 1,183 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,465,000 | 1,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,138 |
| Cash dividends | $1,250,000 | 538 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,465,000 | 1,157 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $23,189,000 | 1,217 |
| Total interest expense | $2,785,000 | 2,783 |
| Net interest income | $20,404,000 | 967 |
| Provision for loan and lease losses | $-963,000 | 8,929 |
| Total noninterest income | $3,394,000 | 1,451 |
| Gross Fiduciary activities income | $1,177,000 | 345 |
| Service charges on deposit accounts | $1,473,000 | 1,215 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $744,000 | 2,618 |
| Total noninterest expense | $13,954,000 | 1,167 |
| Salaries and employee benefits | $6,213,000 | 1,426 |
| Premises and equipment expense | $2,167,000 | 1,070 |
| Additional noninterest expense | $5,574,000 | 899 |
| Pre-tax net operating income | $10,807,000 | 815 |
| Securities gains (losses) | $18,000 | 2,469 |
| Applicable income taxes | $4,140,000 | 683 |
| Income before extraordinary items | $6,685,000 | 993 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,685,000 | 994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-182,000 | 8,868 |
| Cash dividends | $5,050,000 | 609 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,673,480 | 959 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,198,000 | 1,217 |
| Total interest expense | $1,954,000 | 2,900 |
| Net interest income | $15,244,000 | 964 |
| Provision for loan and lease losses | $-963,000 | 8,989 |
| Total noninterest income | $2,571,000 | 1,458 |
| Gross Fiduciary activities income | $862,000 | 359 |
| Service charges on deposit accounts | $1,128,000 | 1,185 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $581,000 | 2,550 |
| Total noninterest expense | $10,608,000 | 1,152 |
| Salaries and employee benefits | $4,751,000 | 1,396 |
| Premises and equipment expense | $1,647,000 | 1,051 |
| Additional noninterest expense | $4,210,000 | 879 |
| Pre-tax net operating income | $8,170,000 | 813 |
| Securities gains (losses) | $13,000 | 2,563 |
| Applicable income taxes | $3,066,000 | 708 |
| Income before extraordinary items | $5,117,000 | 974 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,117,000 | 975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-198,000 | 8,912 |
| Cash dividends | $3,800,000 | 581 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,108,680 | 941 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,393,000 | 1,205 |
| Total interest expense | $1,258,000 | 2,970 |
| Net interest income | $10,135,000 | 962 |
| Provision for loan and lease losses | $-288,000 | 9,013 |
| Total noninterest income | $1,755,000 | 1,419 |
| Gross Fiduciary activities income | $568,000 | 359 |
| Service charges on deposit accounts | $787,000 | 1,129 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $400,000 | 2,513 |
| Total noninterest expense | $7,294,000 | 1,101 |
| Salaries and employee benefits | $3,278,000 | 1,332 |
| Premises and equipment expense | $1,108,000 | 1,045 |
| Additional noninterest expense | $2,908,000 | 854 |
| Pre-tax net operating income | $4,884,000 | 895 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $1,775,000 | 796 |
| Income before extraordinary items | $3,122,000 | 1,057 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,122,000 | 1,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $2,800,000 | 526 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,113,680 | 1,016 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,694,000 | 1,219 |
| Total interest expense | $621,000 | 3,035 |
| Net interest income | $5,073,000 | 970 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $839,000 | 1,440 |
| Gross Fiduciary activities income | $284,000 | 362 |
| Service charges on deposit accounts | $383,000 | 1,122 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $172,000 | 2,705 |
| Total noninterest expense | $3,614,000 | 1,119 |
| Salaries and employee benefits | $1,633,000 | 1,362 |
| Premises and equipment expense | $532,000 | 1,110 |
| Additional noninterest expense | $1,449,000 | 851 |
| Pre-tax net operating income | $2,286,000 | 949 |
| Securities gains (losses) | $13,000 | 1,918 |
| Applicable income taxes | $828,000 | 868 |
| Income before extraordinary items | $1,471,000 | 1,115 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,471,000 | 1,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $1,500,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,462,680 | 1,059 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,960,000 | 1,190 |
| Total interest expense | $3,390,000 | 2,571 |
| Net interest income | $20,570,000 | 931 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $3,700,000 | 1,430 |
| Gross Fiduciary activities income | $1,032,000 | 376 |
| Service charges on deposit accounts | $1,585,000 | 1,090 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,083,000 | 2,272 |
| Total noninterest expense | $14,867,000 | 1,094 |
| Salaries and employee benefits | $7,061,000 | 1,209 |
| Premises and equipment expense | $2,201,000 | 1,041 |
| Additional noninterest expense | $5,605,000 | 905 |
| Pre-tax net operating income | $9,103,000 | 929 |
| Securities gains (losses) | $1,603,000 | 350 |
| Applicable income taxes | $3,742,000 | 779 |
| Income before extraordinary items | $6,964,000 | 928 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,964,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-386,000 | 9,155 |
| Cash dividends | $5,250,000 | 599 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,922,050 | 1,027 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,993,000 | 1,219 |
| Total interest expense | $2,714,000 | 2,518 |
| Net interest income | $15,279,000 | 956 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $2,792,000 | 1,448 |
| Gross Fiduciary activities income | $762,000 | 389 |
| Service charges on deposit accounts | $1,174,000 | 1,110 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $856,000 | 2,271 |
| Total noninterest expense | $11,195,000 | 1,088 |
| Salaries and employee benefits | $5,374,000 | 1,197 |
| Premises and equipment expense | $1,636,000 | 1,057 |
| Additional noninterest expense | $4,185,000 | 922 |
| Pre-tax net operating income | $6,426,000 | 1,014 |
| Securities gains (losses) | $1,589,000 | 326 |
| Applicable income taxes | $2,804,000 | 824 |
| Income before extraordinary items | $5,211,000 | 963 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,211,000 | 963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-254,000 | 9,183 |
| Cash dividends | $4,500,000 | 521 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,178,150 | 1,127 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,028,000 | 1,228 |
| Total interest expense | $1,971,000 | 2,402 |
| Net interest income | $10,057,000 | 964 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $1,897,000 | 1,413 |
| Gross Fiduciary activities income | $498,000 | 397 |
| Service charges on deposit accounts | $771,000 | 1,104 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $628,000 | 2,129 |
| Total noninterest expense | $7,594,000 | 1,073 |
| Salaries and employee benefits | $3,584,000 | 1,201 |
| Premises and equipment expense | $1,091,000 | 1,062 |
| Additional noninterest expense | $2,919,000 | 888 |
| Pre-tax net operating income | $4,060,000 | 1,061 |
| Securities gains (losses) | $984,000 | 368 |
| Applicable income taxes | $1,765,000 | 868 |
| Income before extraordinary items | $3,279,000 | 1,021 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,279,000 | 1,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-149,000 | 9,177 |
| Cash dividends | $4,500,000 | 386 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,639,400 | 1,172 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,037,000 | 1,229 |
| Total interest expense | $1,032,000 | 2,368 |
| Net interest income | $5,005,000 | 967 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $917,000 | 1,422 |
| Gross Fiduciary activities income | $244,000 | 406 |
| Service charges on deposit accounts | $366,000 | 1,129 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $307,000 | 2,078 |
| Total noninterest expense | $3,648,000 | 1,099 |
| Salaries and employee benefits | $1,803,000 | 1,181 |
| Premises and equipment expense | $551,000 | 1,051 |
| Additional noninterest expense | $1,294,000 | 952 |
| Pre-tax net operating income | $2,124,000 | 1,027 |
| Securities gains (losses) | $274,000 | 539 |
| Applicable income taxes | $831,000 | 929 |
| Income before extraordinary items | $1,567,000 | 1,054 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,567,000 | 1,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,751 |
| Cash dividends | $4,500,000 | 205 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,388,900 | 1,114 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $25,486,000 | 1,201 |
| Total interest expense | $5,326,000 | 2,111 |
| Net interest income | $20,160,000 | 960 |
| Provision for loan and lease losses | $450,000 | 2,572 |
| Total noninterest income | $3,269,000 | 1,468 |
| Gross Fiduciary activities income | $910,000 | 422 |
| Service charges on deposit accounts | $1,444,000 | 1,120 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $915,000 | 2,302 |
| Total noninterest expense | $13,682,000 | 1,125 |
| Salaries and employee benefits | $6,467,000 | 1,250 |
| Premises and equipment expense | $2,194,000 | 997 |
| Additional noninterest expense | $5,021,000 | 993 |
| Pre-tax net operating income | $9,297,000 | 922 |
| Securities gains (losses) | $310,000 | 879 |
| Applicable income taxes | $3,416,000 | 824 |
| Income before extraordinary items | $6,191,000 | 1,015 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,191,000 | 1,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,477,000 | 681 |
| Cash dividends | $2,500,000 | 1,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,992,600 | 1,006 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $27,692,000 | 1,238 |
| Total interest expense | $9,284,000 | 1,754 |
| Net interest income | $18,408,000 | 979 |
| Provision for loan and lease losses | $900,000 | 1,348 |
| Total noninterest income | $2,789,000 | 1,562 |
| Gross Fiduciary activities income | $921,000 | 436 |
| Service charges on deposit accounts | $1,473,000 | 1,009 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $395,000 | 3,561 |
| Total noninterest expense | $12,867,000 | 1,146 |
| Salaries and employee benefits | $6,311,000 | 1,177 |
| Premises and equipment expense | $2,197,000 | 950 |
| Additional noninterest expense | $4,359,000 | 1,090 |
| Pre-tax net operating income | $7,430,000 | 1,003 |
| Securities gains (losses) | $201,000 | 1,187 |
| Applicable income taxes | $2,583,000 | 951 |
| Income before extraordinary items | $5,048,000 | 1,083 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,048,000 | 1,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,192 |
| Cash dividends | $3,000,000 | 915 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 540 |
| Net operating income | $4,915,340 | 1,072 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $27,697,000 | 1,283 |
| Total interest expense | $10,158,000 | 1,689 |
| Net interest income | $17,539,000 | 991 |
| Provision for loan and lease losses | $1,200,000 | 908 |
| Total noninterest income | $3,208,000 | 1,273 |
| Gross Fiduciary activities income | $920,000 | 436 |
| Service charges on deposit accounts | $1,895,000 | 724 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $393,000 | 3,389 |
| Total noninterest expense | $13,021,000 | 1,074 |
| Salaries and employee benefits | $6,361,000 | 1,104 |
| Premises and equipment expense | $2,392,000 | 833 |
| Additional noninterest expense | $4,268,000 | 1,094 |
| Pre-tax net operating income | $6,526,000 | 1,149 |
| Securities gains (losses) | $-58,000 | 9,252 |
| Applicable income taxes | $2,325,000 | 1,025 |
| Income before extraordinary items | $4,143,000 | 1,259 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,143,000 | 1,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,115 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,180,120 | 1,248 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,906,000 | 1,423 |
| Total interest expense | $7,952,000 | 1,884 |
| Net interest income | $14,954,000 | 1,176 |
| Provision for loan and lease losses | $900,000 | 1,061 |
| Total noninterest income | $2,893,000 | 1,395 |
| Gross Fiduciary activities income | $657,000 | 561 |
| Service charges on deposit accounts | $1,641,000 | 810 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $595,000 | 2,644 |
| Total noninterest expense | $12,470,000 | 1,110 |
| Salaries and employee benefits | $6,114,000 | 1,128 |
| Premises and equipment expense | $2,185,000 | 917 |
| Additional noninterest expense | $4,171,000 | 1,123 |
| Pre-tax net operating income | $4,477,000 | 1,681 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $1,602,000 | 1,505 |
| Income before extraordinary items | $2,885,000 | 1,848 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,885,000 | 1,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,187 |
| Cash dividends | $1,500,000 | 1,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,878,600 | 1,817 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $23,900,000 | 1,354 |
| Total interest expense | $8,753,000 | 1,754 |
| Net interest income | $15,147,000 | 1,113 |
| Provision for loan and lease losses | $600,000 | 1,475 |
| Total noninterest income | $2,353,000 | 1,626 |
| Gross Fiduciary activities income | $386,000 | 718 |
| Service charges on deposit accounts | $1,361,000 | 912 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $606,000 | 2,636 |
| Total noninterest expense | $10,145,000 | 1,305 |
| Salaries and employee benefits | $5,472,000 | 1,200 |
| Premises and equipment expense | $1,750,000 | 1,104 |
| Additional noninterest expense | $2,923,000 | 1,485 |
| Pre-tax net operating income | $6,755,000 | 1,118 |
| Securities gains (losses) | $-84,000 | 10,394 |
| Applicable income taxes | $2,457,000 | 1,037 |
| Income before extraordinary items | $4,214,000 | 1,271 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,214,000 | 1,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,415,000 | 584 |
| Cash dividends | $3,500,000 | 860 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,267,760 | 1,206 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,295,000 | 1,411 |
| Total interest expense | $8,107,000 | 1,910 |
| Net interest income | $15,188,000 | 1,159 |
| Provision for loan and lease losses | $450,000 | 1,925 |
| Total noninterest income | $1,981,000 | 1,781 |
| Gross Fiduciary activities income | $217,000 | 877 |
| Service charges on deposit accounts | $1,208,000 | 1,040 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $556,000 | 2,635 |
| Total noninterest expense | $10,509,000 | 1,263 |
| Salaries and employee benefits | $5,106,000 | 1,291 |
| Premises and equipment expense | $1,916,000 | 1,035 |
| Additional noninterest expense | $3,487,000 | 1,257 |
| Pre-tax net operating income | $6,210,000 | 1,260 |
| Securities gains (losses) | $-30,000 | 10,516 |
| Applicable income taxes | $2,270,000 | 1,187 |
| Income before extraordinary items | $3,910,000 | 1,401 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,910,000 | 1,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 1,380 |
| Cash dividends | $3,500,000 | 831 |
| Sale, conversion, retirement of capital stock, net | $617,000 | 510 |
| Net operating income | $3,929,200 | 1,353 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,834,000 | 1,532 |
| Total interest expense | $7,726,000 | 2,035 |
| Net interest income | $14,108,000 | 1,269 |
| Provision for loan and lease losses | $458,000 | 1,862 |
| Total noninterest income | $1,595,000 | 2,191 |
| Gross Fiduciary activities income | $19,000 | 1,354 |
| Service charges on deposit accounts | $977,000 | 1,381 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $599,000 | 2,574 |
| Total noninterest expense | $10,014,000 | 1,431 |
| Salaries and employee benefits | $4,544,000 | 1,477 |
| Premises and equipment expense | $1,806,000 | 1,159 |
| Additional noninterest expense | $3,664,000 | 1,453 |
| Pre-tax net operating income | $5,231,000 | 1,374 |
| Securities gains (losses) | $-98,000 | 11,196 |
| Applicable income taxes | $1,913,000 | 1,294 |
| Income before extraordinary items | $3,220,000 | 1,541 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,220,000 | 1,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,930 |
| Cash dividends | $166,000 | 5,816 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 865 |
| Net operating income | $3,282,720 | 1,479 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,942,000 | 1,700 |
| Total interest expense | $6,949,000 | 2,249 |
| Net interest income | $12,993,000 | 1,386 |
| Provision for loan and lease losses | $1,050,000 | 902 |
| Total noninterest income | $1,425,000 | 2,376 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $809,000 | 1,666 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $616,000 | 2,491 |
| Total noninterest expense | $10,766,000 | 1,318 |
| Salaries and employee benefits | $5,249,000 | 1,268 |
| Premises and equipment expense | $1,621,000 | 1,281 |
| Additional noninterest expense | $3,896,000 | 1,362 |
| Pre-tax net operating income | $2,602,000 | 2,734 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $1,363,000 | 1,791 |
| Income before extraordinary items | $1,246,000 | 3,833 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,246,000 | 3,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,146,000 | 807 |
| Cash dividends | $331,000 | 4,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,241,520 | 3,826 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,493,000 | 1,870 |
| Total interest expense | $5,062,000 | 2,431 |
| Net interest income | $11,431,000 | 1,579 |
| Provision for loan and lease losses | $1,200,000 | 820 |
| Total noninterest income | $1,385,000 | 2,441 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $613,000 | 2,218 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $772,000 | 2,180 |
| Total noninterest expense | $7,778,000 | 1,864 |
| Salaries and employee benefits | $3,347,000 | 1,992 |
| Premises and equipment expense | $1,477,000 | 1,415 |
| Additional noninterest expense | $2,954,000 | 1,831 |
| Pre-tax net operating income | $3,838,000 | 1,852 |
| Securities gains (losses) | $161,000 | 571 |
| Applicable income taxes | $1,499,000 | 1,557 |
| Income before extraordinary items | $2,500,000 | 1,958 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,500,000 | 1,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $892,000 | 936 |
| Cash dividends | $298,000 | 4,570 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 846 |
| Net operating income | $2,396,960 | 2,051 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,027,000 | 2,215 |
| Total interest expense | $4,943,000 | 2,599 |
| Net interest income | $9,084,000 | 1,986 |
| Provision for loan and lease losses | $1,535,000 | 982 |
| Total noninterest income | $1,902,000 | 2,047 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $558,000 | 2,470 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,344,000 | 1,683 |
| Total noninterest expense | $7,417,000 | 1,983 |
| Salaries and employee benefits | $2,569,000 | 2,575 |
| Premises and equipment expense | $1,338,000 | 1,573 |
| Additional noninterest expense | $3,510,000 | 1,678 |
| Pre-tax net operating income | $2,034,000 | 3,253 |
| Securities gains (losses) | $539,000 | 850 |
| Applicable income taxes | $667,000 | 3,261 |
| Income before extraordinary items | $1,906,000 | 2,642 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,906,000 | 2,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,799,000 | 767 |
| Cash dividends | $270,000 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $-6,000 | 13,154 |
| Net operating income | $1,507,140 | 3,067 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,008,000 | 2,343 |
| Total interest expense | $6,121,000 | 2,725 |
| Net interest income | $8,887,000 | 2,057 |
| Provision for loan and lease losses | $3,583,000 | 745 |
| Total noninterest income | $911,000 | 3,586 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $474,000 | 2,939 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $437,000 | 3,503 |
| Total noninterest expense | $6,122,000 | 2,370 |
| Salaries and employee benefits | $2,137,000 | 3,020 |
| Premises and equipment expense | $1,228,000 | 1,723 |
| Additional noninterest expense | $2,757,000 | 2,141 |
| Pre-tax net operating income | $93,000 | 12,093 |
| Securities gains (losses) | $1,121,000 | 593 |
| Applicable income taxes | $193,000 | 7,695 |
| Income before extraordinary items | $1,021,000 | 4,408 |
| Extraordinary gains, net | $180,000 | 481 |
| Net income | $1,201,000 | 3,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,605,000 | 654 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $-146,000 | 13,834 |
| Net operating income | $79,360 | 11,933 |
* 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.