Home > Virginia Heartland Bank > Income and Expense
Virginia Heartland Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,666,000 | 2,111 |
| Total interest expense | $6,876,000 | 2,323 |
| Net interest income | $11,790,000 | 1,968 |
| Provision for loan and lease losses | $110,000 | 4,597 |
| Total noninterest income | $2,198,000 | 2,083 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,392,000 | 1,277 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $806,000 | 2,570 |
| Total noninterest expense | $7,915,000 | 2,234 |
| Salaries and employee benefits | $3,146,000 | 3,003 |
| Premises and equipment expense | $771,000 | 3,098 |
| Additional noninterest expense | $3,998,000 | 1,335 |
| Pre-tax net operating income | $5,963,000 | 1,611 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $1,916,000 | 1,379 |
| Income before extraordinary items | $4,048,000 | 1,771 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,048,000 | 1,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,669 |
| Cash dividends | $1,500,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,047,320 | 1,752 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,802,000 | 2,126 |
| Total interest expense | $4,890,000 | 2,357 |
| Net interest income | $8,912,000 | 1,977 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $1,645,000 | 2,087 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,033,000 | 1,294 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $612,000 | 2,537 |
| Total noninterest expense | $5,946,000 | 2,219 |
| Salaries and employee benefits | $2,417,000 | 2,933 |
| Premises and equipment expense | $576,000 | 3,103 |
| Additional noninterest expense | $2,953,000 | 1,348 |
| Pre-tax net operating income | $4,521,000 | 1,639 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,456,000 | 1,420 |
| Income before extraordinary items | $3,065,000 | 1,797 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,065,000 | 1,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,687 |
| Cash dividends | $1,500,000 | 1,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,065,000 | 1,777 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,000,000 | 2,136 |
| Total interest expense | $3,037,000 | 2,409 |
| Net interest income | $5,963,000 | 1,964 |
| Provision for loan and lease losses | $70,000 | 3,903 |
| Total noninterest income | $1,128,000 | 2,039 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $679,000 | 1,306 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $449,000 | 2,358 |
| Total noninterest expense | $4,028,000 | 2,195 |
| Salaries and employee benefits | $1,668,000 | 2,842 |
| Premises and equipment expense | $405,000 | 2,972 |
| Additional noninterest expense | $1,955,000 | 1,369 |
| Pre-tax net operating income | $2,993,000 | 1,650 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $949,000 | 1,464 |
| Income before extraordinary items | $2,044,000 | 1,788 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,044,000 | 1,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,044,000 | 1,774 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,447,000 | 2,118 |
| Total interest expense | $1,488,000 | 2,347 |
| Net interest income | $2,959,000 | 1,963 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $504,000 | 2,185 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $318,000 | 1,356 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $186,000 | 2,618 |
| Total noninterest expense | $1,984,000 | 2,236 |
| Salaries and employee benefits | $867,000 | 2,778 |
| Premises and equipment expense | $222,000 | 2,763 |
| Additional noninterest expense | $895,000 | 1,471 |
| Pre-tax net operating income | $1,429,000 | 1,694 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $459,000 | 1,489 |
| Income before extraordinary items | $970,000 | 1,852 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $970,000 | 1,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $970,000 | 1,833 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,885,000 | 2,100 |
| Total interest expense | $4,463,000 | 2,430 |
| Net interest income | $11,422,000 | 1,945 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $2,009,000 | 2,203 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,312,000 | 1,346 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $697,000 | 2,779 |
| Total noninterest expense | $7,487,000 | 2,241 |
| Salaries and employee benefits | $3,727,000 | 2,451 |
| Premises and equipment expense | $918,000 | 2,550 |
| Additional noninterest expense | $2,842,000 | 1,773 |
| Pre-tax net operating income | $5,824,000 | 1,616 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,901,000 | 1,426 |
| Income before extraordinary items | $3,923,000 | 1,765 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,923,000 | 1,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,477 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,923,000 | 1,742 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,499,000 | 2,123 |
| Total interest expense | $3,148,000 | 2,447 |
| Net interest income | $8,351,000 | 1,982 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $1,460,000 | 2,254 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $990,000 | 1,324 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $470,000 | 2,996 |
| Total noninterest expense | $5,529,000 | 2,250 |
| Salaries and employee benefits | $2,708,000 | 2,492 |
| Premises and equipment expense | $684,000 | 2,556 |
| Additional noninterest expense | $2,137,000 | 1,742 |
| Pre-tax net operating income | $4,192,000 | 1,689 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,383,000 | 1,469 |
| Income before extraordinary items | $2,809,000 | 1,866 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,809,000 | 1,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,452 |
| Cash dividends | $250,000 | 3,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,809,000 | 1,827 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,416,000 | 2,130 |
| Total interest expense | $2,034,000 | 2,398 |
| Net interest income | $5,382,000 | 2,021 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $934,000 | 2,289 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $665,000 | 1,288 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $269,000 | 3,263 |
| Total noninterest expense | $3,592,000 | 2,293 |
| Salaries and employee benefits | $1,777,000 | 2,511 |
| Premises and equipment expense | $451,000 | 2,574 |
| Additional noninterest expense | $1,364,000 | 1,811 |
| Pre-tax net operating income | $2,664,000 | 1,742 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $864,000 | 1,523 |
| Income before extraordinary items | $1,800,000 | 1,901 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,800,000 | 1,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,453 |
| Cash dividends | $250,000 | 3,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,800,000 | 1,862 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,658,000 | 2,114 |
| Total interest expense | $1,021,000 | 2,300 |
| Net interest income | $2,637,000 | 2,045 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $446,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $308,000 | 1,334 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $138,000 | 3,128 |
| Total noninterest expense | $1,839,000 | 2,256 |
| Salaries and employee benefits | $944,000 | 2,401 |
| Premises and equipment expense | $122,000 | 4,262 |
| Additional noninterest expense | $773,000 | 1,597 |
| Pre-tax net operating income | $1,214,000 | 1,858 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $393,000 | 1,624 |
| Income before extraordinary items | $821,000 | 2,037 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $821,000 | 2,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,650 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $821,000 | 2,008 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,552,000 | 2,110 |
| Total interest expense | $3,949,000 | 2,062 |
| Net interest income | $9,603,000 | 2,121 |
| Provision for loan and lease losses | $220,000 | 3,536 |
| Total noninterest income | $2,178,000 | 2,074 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,458,000 | 1,229 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $720,000 | 2,674 |
| Total noninterest expense | $6,870,000 | 2,325 |
| Salaries and employee benefits | $3,783,000 | 2,293 |
| Premises and equipment expense | $447,000 | 4,427 |
| Additional noninterest expense | $2,640,000 | 1,840 |
| Pre-tax net operating income | $4,691,000 | 1,791 |
| Securities gains (losses) | $235,000 | 752 |
| Applicable income taxes | $1,597,000 | 1,532 |
| Income before extraordinary items | $3,329,000 | 1,897 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,329,000 | 1,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,094 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,169,200 | 1,926 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,002,000 | 2,127 |
| Total interest expense | $2,939,000 | 2,033 |
| Net interest income | $7,063,000 | 2,139 |
| Provision for loan and lease losses | $180,000 | 3,152 |
| Total noninterest income | $1,609,000 | 2,102 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,056,000 | 1,267 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $553,000 | 2,643 |
| Total noninterest expense | $5,179,000 | 2,299 |
| Salaries and employee benefits | $2,872,000 | 2,250 |
| Premises and equipment expense | $340,000 | 4,377 |
| Additional noninterest expense | $1,967,000 | 1,824 |
| Pre-tax net operating income | $3,313,000 | 1,890 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,027,000 | 1,738 |
| Income before extraordinary items | $2,286,000 | 2,055 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,286,000 | 2,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,743 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,286,000 | 1,999 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,596,000 | 2,122 |
| Total interest expense | $1,966,000 | 2,006 |
| Net interest income | $4,630,000 | 2,157 |
| Provision for loan and lease losses | $135,000 | 2,929 |
| Total noninterest income | $1,037,000 | 2,140 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $677,000 | 1,304 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $360,000 | 2,687 |
| Total noninterest expense | $3,444,000 | 2,304 |
| Salaries and employee benefits | $1,897,000 | 2,277 |
| Premises and equipment expense | $227,000 | 4,383 |
| Additional noninterest expense | $1,320,000 | 1,810 |
| Pre-tax net operating income | $2,088,000 | 1,972 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $633,000 | 1,849 |
| Income before extraordinary items | $1,455,000 | 2,129 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,455,000 | 2,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,455,000 | 2,073 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,312,000 | 2,111 |
| Total interest expense | $991,000 | 2,003 |
| Net interest income | $2,321,000 | 2,159 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $452,000 | 2,331 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $326,000 | 1,314 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $126,000 | 3,249 |
| Total noninterest expense | $1,685,000 | 2,358 |
| Salaries and employee benefits | $928,000 | 2,337 |
| Premises and equipment expense | $117,000 | 4,321 |
| Additional noninterest expense | $640,000 | 1,844 |
| Pre-tax net operating income | $998,000 | 2,007 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $299,000 | 1,938 |
| Income before extraordinary items | $699,000 | 2,187 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $699,000 | 2,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $699,000 | 2,103 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,780,000 | 2,246 |
| Total interest expense | $4,098,000 | 2,172 |
| Net interest income | $8,682,000 | 2,234 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $2,526,000 | 1,932 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,296,000 | 1,335 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,230,000 | 2,087 |
| Total noninterest expense | $7,314,000 | 2,156 |
| Salaries and employee benefits | $3,838,000 | 2,213 |
| Premises and equipment expense | $910,000 | 2,458 |
| Additional noninterest expense | $2,566,000 | 1,880 |
| Pre-tax net operating income | $3,654,000 | 2,132 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $1,082,000 | 2,070 |
| Income before extraordinary items | $2,574,000 | 2,314 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,574,000 | 2,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,399 |
| Cash dividends | $3,150,000 | 952 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,572,600 | 2,214 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,498,000 | 2,308 |
| Total interest expense | $3,106,000 | 2,224 |
| Net interest income | $6,392,000 | 2,286 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $1,823,000 | 2,038 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $944,000 | 1,382 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $879,000 | 2,232 |
| Total noninterest expense | $5,403,000 | 2,179 |
| Salaries and employee benefits | $2,831,000 | 2,248 |
| Premises and equipment expense | $697,000 | 2,416 |
| Additional noninterest expense | $1,875,000 | 1,909 |
| Pre-tax net operating income | $2,632,000 | 2,275 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $785,000 | 2,227 |
| Income before extraordinary items | $1,849,000 | 2,493 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,849,000 | 2,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,747 |
| Cash dividends | $3,150,000 | 707 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,847,600 | 2,364 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,264,000 | 2,339 |
| Total interest expense | $2,086,000 | 2,272 |
| Net interest income | $4,178,000 | 2,323 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $1,127,000 | 2,164 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $609,000 | 1,406 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $518,000 | 2,402 |
| Total noninterest expense | $3,575,000 | 2,201 |
| Salaries and employee benefits | $1,830,000 | 2,308 |
| Premises and equipment expense | $462,000 | 2,413 |
| Additional noninterest expense | $1,283,000 | 1,871 |
| Pre-tax net operating income | $1,610,000 | 2,450 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $482,000 | 2,376 |
| Income before extraordinary items | $1,130,000 | 2,706 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,130,000 | 2,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,447 |
| Cash dividends | $900,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,128,600 | 2,558 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,105,000 | 2,372 |
| Total interest expense | $1,049,000 | 2,325 |
| Net interest income | $2,056,000 | 2,360 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $496,000 | 2,291 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $296,000 | 1,396 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $200,000 | 2,717 |
| Total noninterest expense | $1,786,000 | 2,190 |
| Salaries and employee benefits | $891,000 | 2,361 |
| Premises and equipment expense | $247,000 | 2,272 |
| Additional noninterest expense | $648,000 | 1,813 |
| Pre-tax net operating income | $706,000 | 2,719 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $210,000 | 2,601 |
| Income before extraordinary items | $498,000 | 2,954 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $498,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,432 |
| Cash dividends | $500,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $496,600 | 2,821 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,392,000 | 2,492 |
| Total interest expense | $4,573,000 | 2,433 |
| Net interest income | $7,819,000 | 2,459 |
| Provision for loan and lease losses | $348,000 | 3,145 |
| Total noninterest income | $1,808,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,033,000 | 1,561 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $775,000 | 2,551 |
| Total noninterest expense | $6,550,000 | 2,284 |
| Salaries and employee benefits | $3,444,000 | 2,316 |
| Premises and equipment expense | $880,000 | 2,459 |
| Additional noninterest expense | $2,226,000 | 2,079 |
| Pre-tax net operating income | $2,729,000 | 2,699 |
| Securities gains (losses) | $272,000 | 965 |
| Applicable income taxes | $918,000 | 2,357 |
| Income before extraordinary items | $2,083,000 | 2,715 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,083,000 | 2,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,309 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,895,320 | 2,833 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,058,000 | 3,292 |
| Total interest expense | $5,127,000 | 3,090 |
| Net interest income | $4,931,000 | 3,471 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $726,000 | 4,098 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $466,000 | 3,009 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $260,000 | 4,413 |
| Total noninterest expense | $3,626,000 | 3,718 |
| Salaries and employee benefits | $1,730,000 | 4,037 |
| Premises and equipment expense | $623,000 | 3,271 |
| Additional noninterest expense | $1,273,000 | 3,308 |
| Pre-tax net operating income | $1,791,000 | 3,447 |
| Securities gains (losses) | $14,000 | 3,398 |
| Applicable income taxes | $567,000 | 3,070 |
| Income before extraordinary items | $1,238,000 | 3,712 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,238,000 | 3,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,726 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,228,340 | 3,626 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,683,000 | 3,494 |
| Total interest expense | $4,685,000 | 3,498 |
| Net interest income | $4,998,000 | 3,469 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $518,000 | 4,823 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $305,000 | 4,011 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $213,000 | 4,653 |
| Total noninterest expense | $3,409,000 | 3,798 |
| Salaries and employee benefits | $1,872,000 | 3,660 |
| Premises and equipment expense | $590,000 | 3,322 |
| Additional noninterest expense | $947,000 | 4,162 |
| Pre-tax net operating income | $1,807,000 | 3,564 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $595,000 | 3,124 |
| Income before extraordinary items | $1,209,000 | 3,844 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,209,000 | 3,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,889 |
| Cash dividends | $1,050,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,211,010 | 3,827 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,975,000 | 3,550 |
| Total interest expense | $4,172,000 | 3,459 |
| Net interest income | $4,803,000 | 3,582 |
| Provision for loan and lease losses | $312,000 | 2,566 |
| Total noninterest income | $496,000 | 4,976 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $338,000 | 3,653 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $158,000 | 5,485 |
| Total noninterest expense | $3,206,000 | 3,994 |
| Salaries and employee benefits | $1,762,000 | 3,809 |
| Premises and equipment expense | $584,000 | 3,346 |
| Additional noninterest expense | $860,000 | 4,541 |
| Pre-tax net operating income | $1,781,000 | 3,649 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $572,000 | 3,323 |
| Income before extraordinary items | $1,209,000 | 3,855 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,209,000 | 3,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,638 |
| Cash dividends | $250,000 | 4,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,209,000 | 3,821 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,261,000 | 3,830 |
| Total interest expense | $4,013,000 | 3,676 |
| Net interest income | $4,248,000 | 3,929 |
| Provision for loan and lease losses | $481,000 | 1,768 |
| Total noninterest income | $356,000 | 5,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,097 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,421 |
| Total noninterest expense | $3,161,000 | 3,928 |
| Salaries and employee benefits | $1,711,000 | 3,815 |
| Premises and equipment expense | $527,000 | 3,546 |
| Additional noninterest expense | $923,000 | 4,208 |
| Pre-tax net operating income | $962,000 | 5,537 |
| Securities gains (losses) | $226,000 | 857 |
| Applicable income taxes | $438,000 | 4,188 |
| Income before extraordinary items | $750,000 | 5,398 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $750,000 | 5,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $390,000 | 1,535 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $605,360 | 5,925 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,657,000 | 4,137 |
| Total interest expense | $3,629,000 | 4,024 |
| Net interest income | $4,028,000 | 4,213 |
| Provision for loan and lease losses | $366,000 | 2,231 |
| Total noninterest income | $309,000 | 6,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 4,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,261 |
| Total noninterest expense | $2,629,000 | 4,578 |
| Salaries and employee benefits | $1,451,000 | 4,364 |
| Premises and equipment expense | $464,000 | 3,950 |
| Additional noninterest expense | $714,000 | 5,140 |
| Pre-tax net operating income | $1,342,000 | 4,854 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $436,000 | 4,626 |
| Income before extraordinary items | $906,000 | 5,027 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $906,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 1,792 |
| Cash dividends | $209,000 | 5,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $906,000 | 4,974 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,219,000 | 4,440 |
| Total interest expense | $3,553,000 | 4,139 |
| Net interest income | $3,666,000 | 4,646 |
| Provision for loan and lease losses | $490,000 | 1,759 |
| Total noninterest income | $322,000 | 6,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 4,865 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,907 |
| Total noninterest expense | $2,233,000 | 5,473 |
| Salaries and employee benefits | $1,245,000 | 5,040 |
| Premises and equipment expense | $386,000 | 4,667 |
| Additional noninterest expense | $602,000 | 6,340 |
| Pre-tax net operating income | $1,265,000 | 4,937 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $414,000 | 4,795 |
| Income before extraordinary items | $851,000 | 5,074 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $851,000 | 5,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 1,384 |
| Cash dividends | $208,000 | 5,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $851,000 | 5,020 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,636,000 | 4,768 |
| Total interest expense | $2,959,000 | 4,823 |
| Net interest income | $3,677,000 | 4,660 |
| Provision for loan and lease losses | $341,000 | 2,092 |
| Total noninterest income | $311,000 | 6,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,156 |
| Total noninterest expense | $2,122,000 | 5,733 |
| Salaries and employee benefits | $1,200,000 | 5,217 |
| Premises and equipment expense | $316,000 | 5,409 |
| Additional noninterest expense | $606,000 | 6,495 |
| Pre-tax net operating income | $1,525,000 | 4,397 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $521,000 | 4,063 |
| Income before extraordinary items | $1,004,000 | 4,606 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,004,000 | 4,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 2,062 |
| Cash dividends | $209,000 | 5,375 |
| Sale, conversion, retirement of capital stock, net | $354,000 | 418 |
| Net operating income | $1,004,000 | 4,576 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,290,000 | 5,402 |
| Total interest expense | $2,104,000 | 5,379 |
| Net interest income | $3,186,000 | 5,344 |
| Provision for loan and lease losses | $225,000 | 2,816 |
| Total noninterest income | $271,000 | 7,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,873 |
| Total noninterest expense | $1,898,000 | 6,456 |
| Salaries and employee benefits | $1,063,000 | 5,791 |
| Premises and equipment expense | $270,000 | 6,171 |
| Additional noninterest expense | $565,000 | 7,294 |
| Pre-tax net operating income | $1,334,000 | 4,839 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $455,000 | 4,351 |
| Income before extraordinary items | $879,000 | 5,005 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $879,000 | 5,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,137 |
| Cash dividends | $151,000 | 6,040 |
| Sale, conversion, retirement of capital stock, net | $162,000 | 723 |
| Net operating income | $879,000 | 5,055 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,442,000 | 6,375 |
| Total interest expense | $1,793,000 | 6,344 |
| Net interest income | $2,649,000 | 6,255 |
| Provision for loan and lease losses | $228,000 | 3,632 |
| Total noninterest income | $205,000 | 9,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 7,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,638 |
| Total noninterest expense | $1,554,000 | 7,635 |
| Salaries and employee benefits | $903,000 | 6,692 |
| Premises and equipment expense | $233,000 | 7,032 |
| Additional noninterest expense | $418,000 | 9,057 |
| Pre-tax net operating income | $1,072,000 | 5,605 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $366,000 | 5,329 |
| Income before extraordinary items | $706,000 | 6,074 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $706,000 | 6,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,649 |
| Cash dividends | $104,000 | 6,801 |
| Sale, conversion, retirement of capital stock, net | $696,000 | 539 |
| Net operating income | $706,000 | 5,803 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,824,000 | 7,736 |
| Total interest expense | $1,922,000 | 7,295 |
| Net interest income | $1,902,000 | 8,039 |
| Provision for loan and lease losses | $208,000 | 5,117 |
| Total noninterest income | $151,000 | 10,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,562 |
| Total noninterest expense | $1,296,000 | 8,677 |
| Salaries and employee benefits | $733,000 | 7,752 |
| Premises and equipment expense | $220,000 | 7,396 |
| Additional noninterest expense | $343,000 | 10,286 |
| Pre-tax net operating income | $549,000 | 8,077 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $192,000 | 7,715 |
| Income before extraordinary items | $357,000 | 8,651 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $357,000 | 8,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 4,836 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $568,000 | 532 |
| Net operating income | $357,000 | 8,281 |
* 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.