Home > Bank of Hanover and Trust Company > Income and Expense
Bank of Hanover and Trust Company, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,450,000 | 838 |
| Total interest expense | $5,931,000 | 825 |
| Net interest income | $6,519,000 | 858 |
| Provision for loan and lease losses | $385,000 | 645 |
| Total noninterest income | $1,251,000 | 1,097 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $679,000 | 620 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $572,000 | 1,236 |
| Total noninterest expense | $5,397,000 | 857 |
| Salaries and employee benefits | $1,647,000 | 1,578 |
| Premises and equipment expense | $756,000 | 887 |
| Additional noninterest expense | $2,994,000 | 485 |
| Pre-tax net operating income | $1,988,000 | 1,188 |
| Securities gains (losses) | $10,000 | 691 |
| Applicable income taxes | $271,000 | 1,993 |
| Income before extraordinary items | $1,727,000 | 1,021 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,727,000 | 1,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 1,031 |
| Cash dividends | $250,000 | 2,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,718,400 | 1,009 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $46,886,000 | 813 |
| Total interest expense | $20,587,000 | 815 |
| Net interest income | $26,299,000 | 837 |
| Provision for loan and lease losses | $1,700,000 | 642 |
| Total noninterest income | $4,718,000 | 1,147 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,577,000 | 679 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,141,000 | 1,291 |
| Total noninterest expense | $21,552,000 | 821 |
| Salaries and employee benefits | $6,548,000 | 1,512 |
| Premises and equipment expense | $2,709,000 | 922 |
| Additional noninterest expense | $12,295,000 | 470 |
| Pre-tax net operating income | $7,765,000 | 1,258 |
| Securities gains (losses) | $150,000 | 448 |
| Applicable income taxes | $1,083,000 | 2,085 |
| Income before extraordinary items | $6,832,000 | 1,091 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,832,000 | 1,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $873,000 | 769 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,703,000 | 1,099 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $34,332,000 | 834 |
| Total interest expense | $14,645,000 | 841 |
| Net interest income | $19,687,000 | 855 |
| Provision for loan and lease losses | $1,310,000 | 603 |
| Total noninterest income | $3,471,000 | 1,176 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,907,000 | 701 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,564,000 | 1,330 |
| Total noninterest expense | $16,104,000 | 829 |
| Salaries and employee benefits | $4,880,000 | 1,527 |
| Premises and equipment expense | $2,025,000 | 936 |
| Additional noninterest expense | $9,199,000 | 481 |
| Pre-tax net operating income | $5,744,000 | 1,327 |
| Securities gains (losses) | $76,000 | 484 |
| Applicable income taxes | $759,000 | 2,277 |
| Income before extraordinary items | $5,061,000 | 1,142 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,061,000 | 1,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $547,000 | 750 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,994,880 | 1,145 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $22,380,000 | 836 |
| Total interest expense | $9,299,000 | 839 |
| Net interest income | $13,081,000 | 866 |
| Provision for loan and lease losses | $945,000 | 545 |
| Total noninterest income | $2,273,000 | 1,190 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,235,000 | 710 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,038,000 | 1,316 |
| Total noninterest expense | $10,554,000 | 848 |
| Salaries and employee benefits | $3,211,000 | 1,550 |
| Premises and equipment expense | $1,348,000 | 939 |
| Additional noninterest expense | $5,995,000 | 491 |
| Pre-tax net operating income | $3,855,000 | 1,310 |
| Securities gains (losses) | $69,000 | 397 |
| Applicable income taxes | $511,000 | 2,271 |
| Income before extraordinary items | $3,413,000 | 1,127 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,413,000 | 1,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 786 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,352,970 | 1,134 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,817,000 | 848 |
| Total interest expense | $4,369,000 | 846 |
| Net interest income | $6,448,000 | 880 |
| Provision for loan and lease losses | $445,000 | 560 |
| Total noninterest income | $1,099,000 | 1,194 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $582,000 | 728 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $517,000 | 1,316 |
| Total noninterest expense | $5,276,000 | 845 |
| Salaries and employee benefits | $1,605,000 | 1,552 |
| Premises and equipment expense | $690,000 | 917 |
| Additional noninterest expense | $2,981,000 | 488 |
| Pre-tax net operating income | $1,826,000 | 1,347 |
| Securities gains (losses) | $69,000 | 297 |
| Applicable income taxes | $216,000 | 2,496 |
| Income before extraordinary items | $1,679,000 | 1,116 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,679,000 | 1,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 677 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,617,590 | 1,138 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $39,857,000 | 813 |
| Total interest expense | $15,182,000 | 747 |
| Net interest income | $24,675,000 | 871 |
| Provision for loan and lease losses | $1,365,000 | 783 |
| Total noninterest income | $4,576,000 | 1,154 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,415,000 | 721 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,161,000 | 1,284 |
| Total noninterest expense | $20,387,000 | 825 |
| Salaries and employee benefits | $6,593,000 | 1,419 |
| Premises and equipment expense | $2,611,000 | 918 |
| Additional noninterest expense | $11,183,000 | 506 |
| Pre-tax net operating income | $7,499,000 | 1,268 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $851,000 | 2,505 |
| Income before extraordinary items | $6,644,000 | 1,095 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,644,000 | 1,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $852,000 | 769 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,647,560 | 1,075 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,111,000 | 808 |
| Total interest expense | $10,959,000 | 731 |
| Net interest income | $18,152,000 | 874 |
| Provision for loan and lease losses | $1,020,000 | 743 |
| Total noninterest income | $3,148,000 | 1,239 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,783,000 | 725 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,365,000 | 1,450 |
| Total noninterest expense | $15,252,000 | 823 |
| Salaries and employee benefits | $4,980,000 | 1,386 |
| Premises and equipment expense | $1,961,000 | 900 |
| Additional noninterest expense | $8,311,000 | 513 |
| Pre-tax net operating income | $5,028,000 | 1,424 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $416,000 | 3,260 |
| Income before extraordinary items | $4,608,000 | 1,177 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,608,000 | 1,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $646,000 | 683 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,611,680 | 1,149 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $18,762,000 | 816 |
| Total interest expense | $6,842,000 | 735 |
| Net interest income | $11,920,000 | 878 |
| Provision for loan and lease losses | $500,000 | 966 |
| Total noninterest income | $1,956,000 | 1,290 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,146,000 | 735 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $810,000 | 1,567 |
| Total noninterest expense | $10,176,000 | 820 |
| Salaries and employee benefits | $3,304,000 | 1,387 |
| Premises and equipment expense | $1,317,000 | 885 |
| Additional noninterest expense | $5,555,000 | 509 |
| Pre-tax net operating income | $3,200,000 | 1,458 |
| Securities gains (losses) | $-5,000 | 7,925 |
| Applicable income taxes | $252,000 | 3,400 |
| Income before extraordinary items | $2,943,000 | 1,197 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,943,000 | 1,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $533,000 | 565 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,947,600 | 1,170 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,024,000 | 835 |
| Total interest expense | $3,241,000 | 742 |
| Net interest income | $5,783,000 | 903 |
| Provision for loan and lease losses | $100,000 | 2,031 |
| Total noninterest income | $867,000 | 1,405 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $535,000 | 757 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $332,000 | 1,770 |
| Total noninterest expense | $5,088,000 | 818 |
| Salaries and employee benefits | $1,641,000 | 1,405 |
| Premises and equipment expense | $665,000 | 887 |
| Additional noninterest expense | $2,782,000 | 502 |
| Pre-tax net operating income | $1,462,000 | 1,551 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $88,000 | 3,973 |
| Income before extraordinary items | $1,374,000 | 1,255 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,374,000 | 1,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 433 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,374,000 | 1,231 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $34,399,000 | 806 |
| Total interest expense | $11,718,000 | 704 |
| Net interest income | $22,681,000 | 868 |
| Provision for loan and lease losses | $1,350,000 | 799 |
| Total noninterest income | $3,710,000 | 1,360 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,821,000 | 966 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,889,000 | 1,381 |
| Total noninterest expense | $19,474,000 | 831 |
| Salaries and employee benefits | $6,170,000 | 1,439 |
| Premises and equipment expense | $2,415,000 | 935 |
| Additional noninterest expense | $10,889,000 | 505 |
| Pre-tax net operating income | $5,567,000 | 1,534 |
| Securities gains (losses) | $121,000 | 1,121 |
| Applicable income taxes | $301,000 | 4,164 |
| Income before extraordinary items | $5,387,000 | 1,212 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,387,000 | 1,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $479,000 | 1,390 |
| Cash dividends | $3,000,000 | 960 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,272,050 | 1,205 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $25,393,000 | 815 |
| Total interest expense | $8,641,000 | 703 |
| Net interest income | $16,752,000 | 881 |
| Provision for loan and lease losses | $1,120,000 | 704 |
| Total noninterest income | $2,818,000 | 1,369 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,279,000 | 1,053 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,539,000 | 1,301 |
| Total noninterest expense | $14,463,000 | 844 |
| Salaries and employee benefits | $4,571,000 | 1,448 |
| Premises and equipment expense | $1,808,000 | 936 |
| Additional noninterest expense | $8,084,000 | 500 |
| Pre-tax net operating income | $3,987,000 | 1,618 |
| Securities gains (losses) | $121,000 | 1,061 |
| Applicable income taxes | $194,000 | 4,482 |
| Income before extraordinary items | $3,914,000 | 1,263 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,914,000 | 1,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $405,000 | 1,149 |
| Cash dividends | $2,250,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,799,050 | 1,259 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $16,564,000 | 825 |
| Total interest expense | $5,737,000 | 689 |
| Net interest income | $10,827,000 | 902 |
| Provision for loan and lease losses | $375,000 | 1,294 |
| Total noninterest income | $1,749,000 | 1,422 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $841,000 | 1,050 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $908,000 | 1,425 |
| Total noninterest expense | $9,636,000 | 846 |
| Salaries and employee benefits | $2,972,000 | 1,488 |
| Premises and equipment expense | $1,240,000 | 902 |
| Additional noninterest expense | $5,424,000 | 500 |
| Pre-tax net operating income | $2,565,000 | 1,646 |
| Securities gains (losses) | $103,000 | 1,004 |
| Applicable income taxes | $108,000 | 4,742 |
| Income before extraordinary items | $2,560,000 | 1,264 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,560,000 | 1,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 1,429 |
| Cash dividends | $1,500,000 | 882 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,461,120 | 1,270 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,224,000 | 847 |
| Total interest expense | $2,911,000 | 695 |
| Net interest income | $5,313,000 | 929 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $803,000 | 1,489 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $406,000 | 1,059 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $397,000 | 1,543 |
| Total noninterest expense | $4,915,000 | 827 |
| Salaries and employee benefits | $1,490,000 | 1,488 |
| Premises and equipment expense | $638,000 | 892 |
| Additional noninterest expense | $2,787,000 | 487 |
| Pre-tax net operating income | $1,051,000 | 1,924 |
| Securities gains (losses) | $38,000 | 1,356 |
| Applicable income taxes | $-21,000 | 8,907 |
| Income before extraordinary items | $1,110,000 | 1,442 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,110,000 | 1,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,561 |
| Cash dividends | $750,000 | 847 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,072,000 | 1,412 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $34,654,000 | 821 |
| Total interest expense | $12,683,000 | 696 |
| Net interest income | $21,971,000 | 884 |
| Provision for loan and lease losses | $834,000 | 1,408 |
| Total noninterest income | $3,943,000 | 1,356 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,580,000 | 1,095 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,363,000 | 1,288 |
| Total noninterest expense | $17,742,000 | 907 |
| Salaries and employee benefits | $5,612,000 | 1,528 |
| Premises and equipment expense | $2,408,000 | 935 |
| Additional noninterest expense | $9,722,000 | 568 |
| Pre-tax net operating income | $7,338,000 | 1,139 |
| Securities gains (losses) | $-45,000 | 8,948 |
| Applicable income taxes | $1,179,000 | 1,957 |
| Income before extraordinary items | $6,114,000 | 1,052 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,114,000 | 1,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 1,784 |
| Cash dividends | $2,250,000 | 1,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,151,800 | 983 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $26,103,000 | 838 |
| Total interest expense | $9,627,000 | 713 |
| Net interest income | $16,476,000 | 890 |
| Provision for loan and lease losses | $670,000 | 1,286 |
| Total noninterest income | $2,866,000 | 1,418 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,115,000 | 1,172 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,751,000 | 1,366 |
| Total noninterest expense | $13,048,000 | 938 |
| Salaries and employee benefits | $4,100,000 | 1,583 |
| Premises and equipment expense | $1,806,000 | 944 |
| Additional noninterest expense | $7,142,000 | 583 |
| Pre-tax net operating income | $5,624,000 | 1,145 |
| Securities gains (losses) | $55,000 | 2,240 |
| Applicable income taxes | $947,000 | 1,941 |
| Income before extraordinary items | $4,732,000 | 1,068 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,732,000 | 1,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,709 |
| Cash dividends | $1,500,000 | 1,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,686,350 | 1,006 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $17,478,000 | 837 |
| Total interest expense | $6,576,000 | 723 |
| Net interest income | $10,902,000 | 903 |
| Provision for loan and lease losses | $565,000 | 1,044 |
| Total noninterest income | $1,894,000 | 1,418 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $715,000 | 1,205 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,179,000 | 1,351 |
| Total noninterest expense | $8,644,000 | 947 |
| Salaries and employee benefits | $2,673,000 | 1,608 |
| Premises and equipment expense | $1,263,000 | 904 |
| Additional noninterest expense | $4,708,000 | 583 |
| Pre-tax net operating income | $3,587,000 | 1,196 |
| Securities gains (losses) | $55,000 | 1,944 |
| Applicable income taxes | $608,000 | 2,027 |
| Income before extraordinary items | $3,034,000 | 1,105 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,034,000 | 1,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,614 |
| Cash dividends | $750,000 | 1,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,988,350 | 1,040 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,837,000 | 835 |
| Total interest expense | $3,425,000 | 712 |
| Net interest income | $5,412,000 | 901 |
| Provision for loan and lease losses | $325,000 | 862 |
| Total noninterest income | $841,000 | 1,522 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $340,000 | 1,226 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $501,000 | 1,488 |
| Total noninterest expense | $4,349,000 | 937 |
| Salaries and employee benefits | $1,282,000 | 1,664 |
| Premises and equipment expense | $654,000 | 883 |
| Additional noninterest expense | $2,413,000 | 579 |
| Pre-tax net operating income | $1,579,000 | 1,358 |
| Securities gains (losses) | $55,000 | 1,335 |
| Applicable income taxes | $241,000 | 2,382 |
| Income before extraordinary items | $1,393,000 | 1,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,393,000 | 1,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 1,313 |
| Cash dividends | $750,000 | 860 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,346,250 | 1,143 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $36,301,000 | 834 |
| Total interest expense | $15,728,000 | 719 |
| Net interest income | $20,573,000 | 935 |
| Provision for loan and lease losses | $75,000 | 6,163 |
| Total noninterest income | $3,568,000 | 1,361 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,422,000 | 1,135 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,146,000 | 1,245 |
| Total noninterest expense | $17,121,000 | 917 |
| Salaries and employee benefits | $5,658,000 | 1,440 |
| Premises and equipment expense | $2,281,000 | 960 |
| Additional noninterest expense | $9,182,000 | 591 |
| Pre-tax net operating income | $6,945,000 | 1,214 |
| Securities gains (losses) | $471,000 | 681 |
| Applicable income taxes | $1,396,000 | 1,749 |
| Income before extraordinary items | $6,020,000 | 1,043 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,020,000 | 1,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $548,000 | 1,559 |
| Cash dividends | $2,250,000 | 1,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,638,490 | 1,071 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $38,243,000 | 896 |
| Total interest expense | $20,227,000 | 808 |
| Net interest income | $18,016,000 | 1,005 |
| Provision for loan and lease losses | $20,000 | 7,552 |
| Total noninterest income | $4,304,000 | 1,122 |
| Gross Fiduciary activities income | $1,116,000 | 397 |
| Service charges on deposit accounts | $1,478,000 | 1,005 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,710,000 | 1,389 |
| Total noninterest expense | $17,045,000 | 877 |
| Salaries and employee benefits | $8,416,000 | 878 |
| Premises and equipment expense | $2,719,000 | 779 |
| Additional noninterest expense | $5,910,000 | 837 |
| Pre-tax net operating income | $5,255,000 | 1,379 |
| Securities gains (losses) | $677,000 | 521 |
| Applicable income taxes | $930,000 | 2,180 |
| Income before extraordinary items | $5,002,000 | 1,095 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,002,000 | 1,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $656,000 | 1,272 |
| Cash dividends | $2,600,000 | 1,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,433,320 | 1,181 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $38,055,000 | 930 |
| Total interest expense | $21,802,000 | 831 |
| Net interest income | $16,253,000 | 1,091 |
| Provision for loan and lease losses | $400,000 | 2,269 |
| Total noninterest income | $3,535,000 | 1,169 |
| Gross Fiduciary activities income | $1,193,000 | 387 |
| Service charges on deposit accounts | $1,667,000 | 816 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $675,000 | 2,431 |
| Total noninterest expense | $15,172,000 | 933 |
| Salaries and employee benefits | $7,962,000 | 875 |
| Premises and equipment expense | $2,306,000 | 860 |
| Additional noninterest expense | $4,904,000 | 960 |
| Pre-tax net operating income | $4,216,000 | 1,736 |
| Securities gains (losses) | $159,000 | 462 |
| Applicable income taxes | $489,000 | 3,535 |
| Income before extraordinary items | $3,886,000 | 1,363 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,886,000 | 1,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,296 |
| Cash dividends | $2,850,000 | 1,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,744,490 | 1,402 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $34,050,000 | 975 |
| Total interest expense | $17,817,000 | 886 |
| Net interest income | $16,233,000 | 1,081 |
| Provision for loan and lease losses | $640,000 | 1,423 |
| Total noninterest income | $3,449,000 | 1,203 |
| Gross Fiduciary activities income | $1,129,000 | 439 |
| Service charges on deposit accounts | $1,645,000 | 809 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $675,000 | 2,436 |
| Total noninterest expense | $13,348,000 | 1,045 |
| Salaries and employee benefits | $6,947,000 | 992 |
| Premises and equipment expense | $2,169,000 | 926 |
| Additional noninterest expense | $4,232,000 | 1,111 |
| Pre-tax net operating income | $5,694,000 | 1,338 |
| Securities gains (losses) | $11,000 | 1,705 |
| Applicable income taxes | $1,239,000 | 1,864 |
| Income before extraordinary items | $4,466,000 | 1,219 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,466,000 | 1,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,637 |
| Cash dividends | $4,650,000 | 692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,457,420 | 1,205 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $31,475,000 | 1,041 |
| Total interest expense | $15,854,000 | 1,002 |
| Net interest income | $15,621,000 | 1,082 |
| Provision for loan and lease losses | $1,060,000 | 924 |
| Total noninterest income | $3,048,000 | 1,328 |
| Gross Fiduciary activities income | $907,000 | 487 |
| Service charges on deposit accounts | $1,313,000 | 944 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $828,000 | 2,118 |
| Total noninterest expense | $12,772,000 | 1,040 |
| Salaries and employee benefits | $6,753,000 | 967 |
| Premises and equipment expense | $2,008,000 | 964 |
| Additional noninterest expense | $4,011,000 | 1,122 |
| Pre-tax net operating income | $4,837,000 | 1,526 |
| Securities gains (losses) | $224,000 | 863 |
| Applicable income taxes | $1,229,000 | 1,952 |
| Income before extraordinary items | $3,832,000 | 1,383 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,832,000 | 1,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $563,000 | 1,154 |
| Cash dividends | $1,500,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,661,760 | 1,381 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $28,386,000 | 1,182 |
| Total interest expense | $13,941,000 | 1,161 |
| Net interest income | $14,445,000 | 1,215 |
| Provision for loan and lease losses | $910,000 | 1,065 |
| Total noninterest income | $2,433,000 | 1,509 |
| Gross Fiduciary activities income | $751,000 | 543 |
| Service charges on deposit accounts | $1,085,000 | 1,165 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $597,000 | 2,485 |
| Total noninterest expense | $11,419,000 | 1,169 |
| Salaries and employee benefits | $6,227,000 | 1,061 |
| Premises and equipment expense | $1,951,000 | 1,015 |
| Additional noninterest expense | $3,241,000 | 1,346 |
| Pre-tax net operating income | $4,549,000 | 1,689 |
| Securities gains (losses) | $144,000 | 835 |
| Applicable income taxes | $1,202,000 | 2,083 |
| Income before extraordinary items | $3,491,000 | 1,541 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,491,000 | 1,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $405,000 | 1,581 |
| Cash dividends | $3,500,000 | 831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,384,440 | 1,557 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,606,000 | 1,332 |
| Total interest expense | $12,148,000 | 1,328 |
| Net interest income | $13,458,000 | 1,329 |
| Provision for loan and lease losses | $480,000 | 1,787 |
| Total noninterest income | $2,183,000 | 1,711 |
| Gross Fiduciary activities income | $742,000 | 601 |
| Service charges on deposit accounts | $908,000 | 1,477 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $533,000 | 2,799 |
| Total noninterest expense | $11,062,000 | 1,300 |
| Salaries and employee benefits | $6,259,000 | 1,073 |
| Premises and equipment expense | $1,833,000 | 1,143 |
| Additional noninterest expense | $2,970,000 | 1,753 |
| Pre-tax net operating income | $4,099,000 | 1,753 |
| Securities gains (losses) | $239,000 | 628 |
| Applicable income taxes | $1,052,000 | 2,243 |
| Income before extraordinary items | $3,286,000 | 1,507 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,286,000 | 1,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 2,090 |
| Cash dividends | $1,370,000 | 1,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,104,360 | 1,569 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,966,000 | 1,432 |
| Total interest expense | $11,409,000 | 1,428 |
| Net interest income | $12,557,000 | 1,430 |
| Provision for loan and lease losses | $360,000 | 2,012 |
| Total noninterest income | $1,874,000 | 1,938 |
| Gross Fiduciary activities income | $663,000 | 654 |
| Service charges on deposit accounts | $827,000 | 1,635 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $384,000 | 3,396 |
| Total noninterest expense | $10,263,000 | 1,380 |
| Salaries and employee benefits | $5,579,000 | 1,202 |
| Premises and equipment expense | $1,667,000 | 1,249 |
| Additional noninterest expense | $3,017,000 | 1,697 |
| Pre-tax net operating income | $3,808,000 | 1,938 |
| Securities gains (losses) | $445,000 | 388 |
| Applicable income taxes | $937,000 | 2,519 |
| Income before extraordinary items | $3,316,000 | 1,536 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,316,000 | 1,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $638,000 | 1,183 |
| Cash dividends | $1,250,000 | 1,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,968,900 | 1,679 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,060,000 | 1,542 |
| Total interest expense | $8,519,000 | 1,515 |
| Net interest income | $11,541,000 | 1,562 |
| Provision for loan and lease losses | $125,000 | 3,960 |
| Total noninterest income | $1,770,000 | 2,010 |
| Gross Fiduciary activities income | $593,000 | 687 |
| Service charges on deposit accounts | $701,000 | 1,920 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $476,000 | 3,043 |
| Total noninterest expense | $9,114,000 | 1,615 |
| Salaries and employee benefits | $5,054,000 | 1,336 |
| Premises and equipment expense | $1,215,000 | 1,702 |
| Additional noninterest expense | $2,845,000 | 1,900 |
| Pre-tax net operating income | $4,072,000 | 1,739 |
| Securities gains (losses) | $237,000 | 446 |
| Applicable income taxes | $1,033,000 | 2,164 |
| Income before extraordinary items | $3,276,000 | 1,504 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,276,000 | 1,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-119,000 | 12,284 |
| Cash dividends | $1,205,000 | 1,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,095,880 | 1,590 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,769,000 | 1,598 |
| Total interest expense | $8,730,000 | 1,535 |
| Net interest income | $11,039,000 | 1,633 |
| Provision for loan and lease losses | $645,000 | 1,758 |
| Total noninterest income | $1,807,000 | 2,102 |
| Gross Fiduciary activities income | $559,000 | 722 |
| Service charges on deposit accounts | $618,000 | 2,223 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $630,000 | 2,791 |
| Total noninterest expense | $8,774,000 | 1,731 |
| Salaries and employee benefits | $4,589,000 | 1,475 |
| Premises and equipment expense | $1,311,000 | 1,606 |
| Additional noninterest expense | $2,874,000 | 1,979 |
| Pre-tax net operating income | $3,427,000 | 1,988 |
| Securities gains (losses) | $224,000 | 1,564 |
| Applicable income taxes | $754,000 | 2,891 |
| Income before extraordinary items | $2,897,000 | 1,736 |
| Extraordinary gains, net | $240,000 | 870 |
| Net income | $3,137,000 | 1,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,825 |
| Cash dividends | $1,072,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,720,040 | 1,725 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $21,051,000 | 1,684 |
| Total interest expense | $10,372,000 | 1,669 |
| Net interest income | $10,679,000 | 1,722 |
| Provision for loan and lease losses | $650,000 | 2,489 |
| Total noninterest income | $1,662,000 | 2,209 |
| Gross Fiduciary activities income | $520,000 | 751 |
| Service charges on deposit accounts | $513,000 | 2,693 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $629,000 | 2,739 |
| Total noninterest expense | $7,937,000 | 1,898 |
| Salaries and employee benefits | $3,920,000 | 1,691 |
| Premises and equipment expense | $1,154,000 | 1,834 |
| Additional noninterest expense | $2,863,000 | 2,069 |
| Pre-tax net operating income | $3,754,000 | 1,659 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $838,000 | 2,483 |
| Income before extraordinary items | $2,922,000 | 1,584 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,922,000 | 1,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 3,319 |
| Cash dividends | $1,018,000 | 1,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,917,320 | 1,475 |
* 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.