Home > The First National Bank of McConnellsburg > Income and Expense
The First National Bank of McConnellsburg, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $964,000 | 7,662 |
| Total interest expense | $391,000 | 7,323 |
| Net interest income | $573,000 | 7,780 |
| Provision for loan and lease losses | $10,000 | 5,986 |
| Total noninterest income | $62,000 | 7,651 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $43,000 | 6,440 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,000 | 7,607 |
| Total noninterest expense | $406,000 | 8,032 |
| Salaries and employee benefits | $186,000 | 8,275 |
| Premises and equipment expense | $72,000 | 7,368 |
| Additional noninterest expense | $148,000 | 7,632 |
| Pre-tax net operating income | $219,000 | 6,949 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $22,000 | 5,757 |
| Income before extraordinary items | $197,000 | 6,774 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $197,000 | 6,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $152,000 | 3,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $197,000 | 6,786 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,651,000 | 3,290 |
| Total interest expense | $1,104,000 | 3,014 |
| Net interest income | $1,547,000 | 3,457 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $180,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $110,000 | 3,276 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $70,000 | 4,434 |
| Total noninterest expense | $1,198,000 | 3,475 |
| Salaries and employee benefits | $585,000 | 3,839 |
| Premises and equipment expense | $190,000 | 3,138 |
| Additional noninterest expense | $423,000 | 2,965 |
| Pre-tax net operating income | $499,000 | 3,733 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $170,000 | 2,850 |
| Income before extraordinary items | $329,000 | 4,182 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $329,000 | 4,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-95,000 | 8,633 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $329,000 | 4,161 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,713,000 | 3,224 |
| Total interest expense | $3,813,000 | 2,752 |
| Net interest income | $5,900,000 | 3,470 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $707,000 | 4,352 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $468,000 | 3,189 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $239,000 | 4,819 |
| Total noninterest expense | $4,788,000 | 3,356 |
| Salaries and employee benefits | $2,315,000 | 3,701 |
| Premises and equipment expense | $737,000 | 3,111 |
| Additional noninterest expense | $1,736,000 | 2,851 |
| Pre-tax net operating income | $1,699,000 | 4,087 |
| Securities gains (losses) | $54,000 | 898 |
| Applicable income taxes | $459,000 | 3,505 |
| Income before extraordinary items | $1,294,000 | 4,164 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,294,000 | 4,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,433 |
| Cash dividends | $580,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,254,040 | 4,216 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,120,000 | 3,229 |
| Total interest expense | $2,789,000 | 2,685 |
| Net interest income | $4,331,000 | 3,523 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $502,000 | 4,535 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $343,000 | 3,260 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $159,000 | 5,086 |
| Total noninterest expense | $3,525,000 | 3,376 |
| Salaries and employee benefits | $1,729,000 | 3,690 |
| Premises and equipment expense | $548,000 | 3,104 |
| Additional noninterest expense | $1,248,000 | 2,941 |
| Pre-tax net operating income | $1,218,000 | 4,276 |
| Securities gains (losses) | $54,000 | 853 |
| Applicable income taxes | $335,000 | 3,606 |
| Income before extraordinary items | $937,000 | 4,350 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $937,000 | 4,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,660 |
| Cash dividends | $480,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $897,040 | 4,429 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,625,000 | 3,235 |
| Total interest expense | $1,809,000 | 2,625 |
| Net interest income | $2,816,000 | 3,584 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $370,000 | 4,231 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $215,000 | 3,337 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $155,000 | 4,242 |
| Total noninterest expense | $2,210,000 | 3,533 |
| Salaries and employee benefits | $1,137,000 | 3,719 |
| Premises and equipment expense | $371,000 | 3,048 |
| Additional noninterest expense | $702,000 | 3,356 |
| Pre-tax net operating income | $916,000 | 3,946 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $232,000 | 3,535 |
| Income before extraordinary items | $684,000 | 4,062 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $684,000 | 4,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,928 |
| Cash dividends | $380,000 | 2,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $684,000 | 4,001 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,248,000 | 3,280 |
| Total interest expense | $871,000 | 2,607 |
| Net interest income | $1,377,000 | 3,656 |
| Provision for loan and lease losses | $36,000 | 3,732 |
| Total noninterest income | $191,000 | 4,090 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $104,000 | 3,348 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $87,000 | 4,019 |
| Total noninterest expense | $1,084,000 | 3,614 |
| Salaries and employee benefits | $549,000 | 3,817 |
| Premises and equipment expense | $191,000 | 2,991 |
| Additional noninterest expense | $344,000 | 3,411 |
| Pre-tax net operating income | $448,000 | 3,973 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $115,000 | 3,530 |
| Income before extraordinary items | $333,000 | 4,083 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $333,000 | 4,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $280,000 | 1,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $333,000 | 4,044 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,547,000 | 3,242 |
| Total interest expense | $3,236,000 | 2,457 |
| Net interest income | $5,311,000 | 3,634 |
| Provision for loan and lease losses | $242,000 | 3,303 |
| Total noninterest income | $706,000 | 4,366 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $437,000 | 3,444 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $269,000 | 4,486 |
| Total noninterest expense | $4,086,000 | 3,673 |
| Salaries and employee benefits | $2,032,000 | 3,947 |
| Premises and equipment expense | $711,000 | 3,095 |
| Additional noninterest expense | $1,343,000 | 3,432 |
| Pre-tax net operating income | $1,689,000 | 3,944 |
| Securities gains (losses) | $79,000 | 1,404 |
| Applicable income taxes | $416,000 | 3,656 |
| Income before extraordinary items | $1,352,000 | 3,898 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,352,000 | 3,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,719 |
| Cash dividends | $678,000 | 3,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,291,960 | 3,953 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,281,000 | 3,271 |
| Total interest expense | $2,396,000 | 2,445 |
| Net interest income | $3,885,000 | 3,683 |
| Provision for loan and lease losses | $206,000 | 2,939 |
| Total noninterest income | $510,000 | 4,486 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $330,000 | 3,445 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $180,000 | 4,715 |
| Total noninterest expense | $3,026,000 | 3,693 |
| Salaries and employee benefits | $1,491,000 | 3,967 |
| Premises and equipment expense | $509,000 | 3,212 |
| Additional noninterest expense | $1,026,000 | 3,354 |
| Pre-tax net operating income | $1,163,000 | 4,234 |
| Securities gains (losses) | $79,000 | 1,334 |
| Applicable income taxes | $326,000 | 3,648 |
| Income before extraordinary items | $916,000 | 4,222 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $916,000 | 4,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,433 |
| Cash dividends | $542,000 | 2,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $857,540 | 4,344 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,084,000 | 3,333 |
| Total interest expense | $1,565,000 | 2,476 |
| Net interest income | $2,519,000 | 3,756 |
| Provision for loan and lease losses | $152,000 | 2,676 |
| Total noninterest income | $303,000 | 4,796 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $196,000 | 3,697 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $107,000 | 5,031 |
| Total noninterest expense | $1,968,000 | 3,787 |
| Salaries and employee benefits | $988,000 | 4,021 |
| Premises and equipment expense | $340,000 | 3,212 |
| Additional noninterest expense | $640,000 | 3,547 |
| Pre-tax net operating income | $702,000 | 4,446 |
| Securities gains (losses) | $79,000 | 1,174 |
| Applicable income taxes | $205,000 | 3,729 |
| Income before extraordinary items | $576,000 | 4,361 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $576,000 | 4,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,817 |
| Cash dividends | $384,000 | 2,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $517,540 | 4,560 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,037,000 | 3,338 |
| Total interest expense | $793,000 | 2,470 |
| Net interest income | $1,244,000 | 3,780 |
| Provision for loan and lease losses | $98,000 | 2,175 |
| Total noninterest income | $131,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $81,000 | 4,084 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $50,000 | 5,122 |
| Total noninterest expense | $980,000 | 3,822 |
| Salaries and employee benefits | $496,000 | 4,030 |
| Premises and equipment expense | $167,000 | 3,286 |
| Additional noninterest expense | $317,000 | 3,581 |
| Pre-tax net operating income | $297,000 | 4,831 |
| Securities gains (losses) | $79,000 | 928 |
| Applicable income taxes | $102,000 | 3,757 |
| Income before extraordinary items | $274,000 | 4,522 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $274,000 | 4,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,731 |
| Cash dividends | $302,000 | 1,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $216,330 | 5,011 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,329,000 | 3,329 |
| Total interest expense | $3,362,000 | 2,590 |
| Net interest income | $4,967,000 | 3,699 |
| Provision for loan and lease losses | $144,000 | 4,668 |
| Total noninterest income | $588,000 | 5,022 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $341,000 | 4,020 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $247,000 | 4,876 |
| Total noninterest expense | $3,741,000 | 3,897 |
| Salaries and employee benefits | $1,833,000 | 4,201 |
| Premises and equipment expense | $661,000 | 3,234 |
| Additional noninterest expense | $1,247,000 | 3,621 |
| Pre-tax net operating income | $1,670,000 | 3,832 |
| Securities gains (losses) | $5,000 | 3,903 |
| Applicable income taxes | $439,000 | 3,603 |
| Income before extraordinary items | $1,236,000 | 4,058 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,236,000 | 4,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 3,078 |
| Cash dividends | $1,082,000 | 2,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,232,300 | 3,888 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,214,000 | 3,387 |
| Total interest expense | $2,524,000 | 2,664 |
| Net interest income | $3,690,000 | 3,750 |
| Provision for loan and lease losses | $108,000 | 4,539 |
| Total noninterest income | $425,000 | 5,152 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $255,000 | 4,033 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $170,000 | 5,101 |
| Total noninterest expense | $2,770,000 | 3,918 |
| Salaries and employee benefits | $1,387,000 | 4,180 |
| Premises and equipment expense | $498,000 | 3,230 |
| Additional noninterest expense | $885,000 | 3,748 |
| Pre-tax net operating income | $1,237,000 | 3,989 |
| Securities gains (losses) | $5,000 | 3,620 |
| Applicable income taxes | $303,000 | 3,894 |
| Income before extraordinary items | $939,000 | 4,153 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $939,000 | 4,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,410 |
| Cash dividends | $496,000 | 2,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $935,200 | 3,990 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,172,000 | 3,387 |
| Total interest expense | $1,684,000 | 2,735 |
| Net interest income | $2,488,000 | 3,714 |
| Provision for loan and lease losses | $72,000 | 4,482 |
| Total noninterest income | $284,000 | 5,132 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $174,000 | 3,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $110,000 | 5,154 |
| Total noninterest expense | $1,793,000 | 4,011 |
| Salaries and employee benefits | $910,000 | 4,222 |
| Premises and equipment expense | $318,000 | 3,326 |
| Additional noninterest expense | $565,000 | 3,878 |
| Pre-tax net operating income | $907,000 | 3,745 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $241,000 | 3,619 |
| Income before extraordinary items | $670,000 | 3,985 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $670,000 | 3,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,336 |
| Cash dividends | $368,000 | 2,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $667,040 | 3,823 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,061,000 | 3,441 |
| Total interest expense | $860,000 | 2,746 |
| Net interest income | $1,201,000 | 3,817 |
| Provision for loan and lease losses | $36,000 | 4,248 |
| Total noninterest income | $178,000 | 4,442 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $95,000 | 3,670 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $83,000 | 4,275 |
| Total noninterest expense | $861,000 | 4,132 |
| Salaries and employee benefits | $447,000 | 4,260 |
| Premises and equipment expense | $164,000 | 3,248 |
| Additional noninterest expense | $250,000 | 4,219 |
| Pre-tax net operating income | $482,000 | 3,589 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $106,000 | 3,831 |
| Income before extraordinary items | $378,000 | 3,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $378,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,593 |
| Cash dividends | $264,000 | 1,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $376,440 | 3,455 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,405,000 | 3,494 |
| Total interest expense | $3,723,000 | 2,922 |
| Net interest income | $4,682,000 | 3,857 |
| Provision for loan and lease losses | $142,000 | 5,042 |
| Total noninterest income | $598,000 | 4,740 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $293,000 | 4,281 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $305,000 | 4,222 |
| Total noninterest expense | $3,466,000 | 3,999 |
| Salaries and employee benefits | $1,800,000 | 4,087 |
| Premises and equipment expense | $511,000 | 3,885 |
| Additional noninterest expense | $1,155,000 | 3,727 |
| Pre-tax net operating income | $1,672,000 | 3,823 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $473,000 | 3,571 |
| Income before extraordinary items | $1,205,000 | 4,077 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,205,000 | 4,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,236 |
| Cash dividends | $569,000 | 3,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,200,680 | 3,978 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,816,000 | 3,699 |
| Total interest expense | $4,676,000 | 3,349 |
| Net interest income | $4,140,000 | 4,021 |
| Provision for loan and lease losses | $144,000 | 4,879 |
| Total noninterest income | $640,000 | 4,419 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $315,000 | 4,040 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $325,000 | 3,939 |
| Total noninterest expense | $3,345,000 | 3,975 |
| Salaries and employee benefits | $1,804,000 | 3,910 |
| Premises and equipment expense | $544,000 | 3,638 |
| Additional noninterest expense | $997,000 | 4,072 |
| Pre-tax net operating income | $1,291,000 | 4,239 |
| Securities gains (losses) | $10,000 | 3,593 |
| Applicable income taxes | $269,000 | 4,482 |
| Income before extraordinary items | $1,032,000 | 4,201 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,032,000 | 4,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,551 |
| Cash dividends | $542,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,024,100 | 4,107 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,789,000 | 3,800 |
| Total interest expense | $4,694,000 | 3,492 |
| Net interest income | $4,095,000 | 4,105 |
| Provision for loan and lease losses | $231,000 | 3,445 |
| Total noninterest income | $563,000 | 4,581 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $276,000 | 4,282 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $287,000 | 4,021 |
| Total noninterest expense | $3,222,000 | 3,982 |
| Salaries and employee benefits | $1,697,000 | 3,959 |
| Premises and equipment expense | $509,000 | 3,736 |
| Additional noninterest expense | $1,016,000 | 3,946 |
| Pre-tax net operating income | $1,205,000 | 4,709 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $229,000 | 5,145 |
| Income before extraordinary items | $976,000 | 4,451 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $976,000 | 4,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,702 |
| Cash dividends | $436,000 | 3,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $976,000 | 4,446 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,855,000 | 3,976 |
| Total interest expense | $4,119,000 | 3,501 |
| Net interest income | $3,736,000 | 4,428 |
| Provision for loan and lease losses | $190,000 | 3,663 |
| Total noninterest income | $512,000 | 4,885 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $197,000 | 5,158 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $315,000 | 3,916 |
| Total noninterest expense | $3,011,000 | 4,195 |
| Salaries and employee benefits | $1,578,000 | 4,163 |
| Premises and equipment expense | $487,000 | 3,852 |
| Additional noninterest expense | $946,000 | 4,203 |
| Pre-tax net operating income | $1,047,000 | 5,170 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $173,000 | 5,996 |
| Income before extraordinary items | $884,000 | 4,796 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $884,000 | 4,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,589 |
| Cash dividends | $364,000 | 4,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $875,600 | 4,780 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,767,000 | 4,045 |
| Total interest expense | $4,112,000 | 3,594 |
| Net interest income | $3,655,000 | 4,429 |
| Provision for loan and lease losses | $475,000 | 1,800 |
| Total noninterest income | $336,000 | 6,139 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 5,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,217 |
| Total noninterest expense | $2,758,000 | 4,428 |
| Salaries and employee benefits | $1,418,000 | 4,455 |
| Premises and equipment expense | $442,000 | 4,081 |
| Additional noninterest expense | $898,000 | 4,298 |
| Pre-tax net operating income | $758,000 | 6,264 |
| Securities gains (losses) | $94,000 | 1,313 |
| Applicable income taxes | $105,000 | 7,455 |
| Income before extraordinary items | $747,000 | 5,405 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $747,000 | 5,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,725 |
| Cash dividends | $327,000 | 4,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $664,280 | 5,647 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,434,000 | 4,273 |
| Total interest expense | $3,846,000 | 3,827 |
| Net interest income | $3,588,000 | 4,641 |
| Provision for loan and lease losses | $233,000 | 3,130 |
| Total noninterest income | $294,000 | 6,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 6,415 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,574 |
| Total noninterest expense | $2,599,000 | 4,634 |
| Salaries and employee benefits | $1,381,000 | 4,562 |
| Premises and equipment expense | $410,000 | 4,364 |
| Additional noninterest expense | $808,000 | 4,687 |
| Pre-tax net operating income | $1,050,000 | 5,679 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $193,000 | 6,975 |
| Income before extraordinary items | $863,000 | 5,213 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $863,000 | 5,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,446 |
| Cash dividends | $240,000 | 5,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $858,080 | 5,168 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,012,000 | 4,574 |
| Total interest expense | $3,695,000 | 3,979 |
| Net interest income | $3,317,000 | 5,058 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $225,000 | 7,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 6,999 |
| Total noninterest expense | $2,247,000 | 5,445 |
| Salaries and employee benefits | $1,214,000 | 5,153 |
| Premises and equipment expense | $307,000 | 5,500 |
| Additional noninterest expense | $726,000 | 5,593 |
| Pre-tax net operating income | $1,199,000 | 5,128 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $218,000 | 6,871 |
| Income before extraordinary items | $977,000 | 4,595 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $977,000 | 4,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 4,035 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $131,000 | 632 |
| Net operating income | $980,280 | 4,529 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,309,000 | 4,982 |
| Total interest expense | $3,247,000 | 4,432 |
| Net interest income | $3,062,000 | 5,416 |
| Provision for loan and lease losses | $75,000 | 5,235 |
| Total noninterest income | $225,000 | 8,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,102 |
| Total noninterest expense | $1,939,000 | 6,127 |
| Salaries and employee benefits | $1,021,000 | 5,956 |
| Premises and equipment expense | $245,000 | 6,430 |
| Additional noninterest expense | $673,000 | 6,042 |
| Pre-tax net operating income | $1,273,000 | 5,040 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $254,000 | 6,590 |
| Income before extraordinary items | $1,014,000 | 4,549 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,014,000 | 4,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,361 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,018,000 | 4,515 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,580,000 | 5,176 |
| Total interest expense | $2,784,000 | 4,232 |
| Net interest income | $2,796,000 | 5,919 |
| Provision for loan and lease losses | $63,000 | 5,527 |
| Total noninterest income | $240,000 | 8,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 7,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,698 |
| Total noninterest expense | $1,886,000 | 6,484 |
| Salaries and employee benefits | $886,000 | 6,728 |
| Premises and equipment expense | $238,000 | 6,721 |
| Additional noninterest expense | $762,000 | 5,925 |
| Pre-tax net operating income | $1,087,000 | 5,617 |
| Securities gains (losses) | $-53,000 | 11,075 |
| Applicable income taxes | $166,000 | 8,002 |
| Income before extraordinary items | $868,000 | 5,041 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $868,000 | 5,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $912,520 | 4,914 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,559,000 | 5,288 |
| Total interest expense | $2,884,000 | 4,262 |
| Net interest income | $2,675,000 | 6,211 |
| Provision for loan and lease losses | $62,000 | 6,899 |
| Total noninterest income | $162,000 | 9,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 9,003 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,541 |
| Total noninterest expense | $1,711,000 | 7,159 |
| Salaries and employee benefits | $768,000 | 7,508 |
| Premises and equipment expense | $240,000 | 6,887 |
| Additional noninterest expense | $703,000 | 6,530 |
| Pre-tax net operating income | $1,064,000 | 5,637 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $252,000 | 6,760 |
| Income before extraordinary items | $814,000 | 5,494 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $814,000 | 5,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 6,359 |
| Cash dividends | $209,000 | 5,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $812,480 | 5,261 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,779,000 | 5,666 |
| Total interest expense | $3,402,000 | 4,657 |
| Net interest income | $2,377,000 | 6,833 |
| Provision for loan and lease losses | $51,000 | 8,987 |
| Total noninterest income | $156,000 | 10,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 9,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,755 |
| Total noninterest expense | $1,673,000 | 7,336 |
| Salaries and employee benefits | $766,000 | 7,490 |
| Premises and equipment expense | $242,000 | 6,944 |
| Additional noninterest expense | $665,000 | 6,991 |
| Pre-tax net operating income | $809,000 | 6,519 |
| Securities gains (losses) | $38,000 | 4,584 |
| Applicable income taxes | $174,000 | 8,098 |
| Income before extraordinary items | $673,000 | 6,081 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $673,000 | 6,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 6,617 |
| Cash dividends | $188,000 | 5,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $642,980 | 5,933 |
* 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.