Home > Bank of Nichols Hills > Income and Expense
Bank of Nichols Hills, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,081,000 | 5,313 |
| Total interest expense | $1,539,000 | 5,269 |
| Net interest income | $2,542,000 | 5,203 |
| Provision for loan and lease losses | $25,000 | 5,821 |
| Total noninterest income | $271,000 | 5,835 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $224,000 | 4,178 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $47,000 | 7,016 |
| Total noninterest expense | $1,657,000 | 5,851 |
| Salaries and employee benefits | $1,002,000 | 5,550 |
| Premises and equipment expense | $253,000 | 5,442 |
| Additional noninterest expense | $402,000 | 6,388 |
| Pre-tax net operating income | $1,131,000 | 4,458 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $425,000 | 3,091 |
| Income before extraordinary items | $706,000 | 4,988 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $706,000 | 4,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,535 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $706,000 | 4,985 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,829,000 | 6,350 |
| Total interest expense | $687,000 | 6,169 |
| Net interest income | $1,142,000 | 6,343 |
| Provision for loan and lease losses | $10,000 | 5,986 |
| Total noninterest income | $126,000 | 6,576 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $105,000 | 4,917 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,503 |
| Total noninterest expense | $735,000 | 6,983 |
| Salaries and employee benefits | $453,000 | 6,670 |
| Premises and equipment expense | $108,000 | 6,597 |
| Additional noninterest expense | $174,000 | 7,354 |
| Pre-tax net operating income | $523,000 | 5,306 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $202,000 | 3,606 |
| Income before extraordinary items | $321,000 | 5,874 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $321,000 | 5,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,057 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $321,000 | 5,871 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,019,000 | 4,057 |
| Total interest expense | $678,000 | 4,256 |
| Net interest income | $1,341,000 | 3,854 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $145,000 | 4,759 |
| 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 | $35,000 | 5,807 |
| Total noninterest expense | $894,000 | 4,339 |
| Salaries and employee benefits | $597,000 | 3,781 |
| Premises and equipment expense | $126,000 | 4,273 |
| Additional noninterest expense | $171,000 | 5,666 |
| Pre-tax net operating income | $572,000 | 3,425 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $212,000 | 2,532 |
| Income before extraordinary items | $360,000 | 3,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $360,000 | 3,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,131 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $360,000 | 3,942 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,564,000 | 4,344 |
| Total interest expense | $1,838,000 | 4,686 |
| Net interest income | $4,726,000 | 4,122 |
| Provision for loan and lease losses | $65,000 | 5,371 |
| Total noninterest income | $607,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $437,000 | 3,345 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $170,000 | 5,505 |
| Total noninterest expense | $3,256,000 | 4,515 |
| Salaries and employee benefits | $2,183,000 | 3,866 |
| Premises and equipment expense | $401,000 | 4,846 |
| Additional noninterest expense | $672,000 | 5,712 |
| Pre-tax net operating income | $2,012,000 | 3,676 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $748,000 | 2,701 |
| Income before extraordinary items | $1,264,000 | 4,218 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,264,000 | 4,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,373 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,264,000 | 4,198 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,676,000 | 4,466 |
| Total interest expense | $1,242,000 | 4,849 |
| Net interest income | $3,434,000 | 4,205 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $459,000 | 4,768 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $319,000 | 3,423 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $140,000 | 5,313 |
| Total noninterest expense | $2,374,000 | 4,582 |
| Salaries and employee benefits | $1,570,000 | 3,953 |
| Premises and equipment expense | $290,000 | 4,949 |
| Additional noninterest expense | $514,000 | 5,623 |
| Pre-tax net operating income | $1,474,000 | 3,801 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $548,000 | 2,792 |
| Income before extraordinary items | $926,000 | 4,384 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $926,000 | 4,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,302 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $926,000 | 4,337 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,950,000 | 4,557 |
| Total interest expense | $732,000 | 5,012 |
| Net interest income | $2,218,000 | 4,279 |
| Provision for loan and lease losses | $25,000 | 5,445 |
| Total noninterest income | $299,000 | 4,796 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $202,000 | 3,491 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $97,000 | 5,252 |
| Total noninterest expense | $1,574,000 | 4,580 |
| Salaries and employee benefits | $1,061,000 | 3,904 |
| Premises and equipment expense | $187,000 | 5,041 |
| Additional noninterest expense | $326,000 | 5,756 |
| Pre-tax net operating income | $918,000 | 3,940 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $341,000 | 2,870 |
| Income before extraordinary items | $577,000 | 4,516 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $577,000 | 4,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,245 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $577,000 | 4,460 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,437,000 | 4,609 |
| Total interest expense | $339,000 | 5,138 |
| Net interest income | $1,098,000 | 4,325 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $140,000 | 4,884 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $94,000 | 3,574 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,356 |
| Total noninterest expense | $784,000 | 4,622 |
| Salaries and employee benefits | $540,000 | 3,859 |
| Premises and equipment expense | $92,000 | 5,144 |
| Additional noninterest expense | $152,000 | 5,961 |
| Pre-tax net operating income | $444,000 | 4,003 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $166,000 | 2,920 |
| Income before extraordinary items | $278,000 | 4,581 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $278,000 | 4,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $278,000 | 4,538 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,228,000 | 4,701 |
| Total interest expense | $1,062,000 | 5,491 |
| Net interest income | $4,166,000 | 4,357 |
| Provision for loan and lease losses | $140,000 | 4,374 |
| Total noninterest income | $807,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $453,000 | 3,370 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $354,000 | 3,945 |
| Total noninterest expense | $3,133,000 | 4,527 |
| Salaries and employee benefits | $2,040,000 | 3,934 |
| Premises and equipment expense | $413,000 | 4,652 |
| Additional noninterest expense | $680,000 | 5,612 |
| Pre-tax net operating income | $1,700,000 | 3,928 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $623,000 | 2,973 |
| Income before extraordinary items | $1,077,000 | 4,497 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,077,000 | 4,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,446 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 443 |
| Net operating income | $1,077,000 | 4,425 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,813,000 | 4,775 |
| Total interest expense | $774,000 | 5,539 |
| Net interest income | $3,039,000 | 4,422 |
| Provision for loan and lease losses | $105,000 | 4,188 |
| Total noninterest income | $660,000 | 3,860 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $357,000 | 3,275 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $303,000 | 3,715 |
| Total noninterest expense | $2,287,000 | 4,569 |
| Salaries and employee benefits | $1,460,000 | 4,045 |
| Premises and equipment expense | $307,000 | 4,685 |
| Additional noninterest expense | $520,000 | 5,522 |
| Pre-tax net operating income | $1,307,000 | 3,940 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $477,000 | 2,987 |
| Income before extraordinary items | $830,000 | 4,513 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $830,000 | 4,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,609 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 334 |
| Net operating income | $830,000 | 4,434 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,482,000 | 4,868 |
| Total interest expense | $509,000 | 5,597 |
| Net interest income | $1,973,000 | 4,515 |
| Provision for loan and lease losses | $87,000 | 3,810 |
| Total noninterest income | $479,000 | 3,673 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $254,000 | 3,106 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $225,000 | 3,524 |
| Total noninterest expense | $1,550,000 | 4,562 |
| Salaries and employee benefits | $975,000 | 4,064 |
| Premises and equipment expense | $202,000 | 4,728 |
| Additional noninterest expense | $373,000 | 5,299 |
| Pre-tax net operating income | $815,000 | 4,056 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $293,000 | 3,120 |
| Income before extraordinary items | $522,000 | 4,627 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $522,000 | 4,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-195,000 | 8,980 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 245 |
| Net operating income | $522,000 | 4,537 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 4,879 |
| Total interest expense | $254,000 | 5,671 |
| Net interest income | $990,000 | 4,516 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $187,000 | 4,209 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $124,000 | 3,080 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $63,000 | 4,647 |
| Total noninterest expense | $764,000 | 4,625 |
| Salaries and employee benefits | $485,000 | 4,107 |
| Premises and equipment expense | $102,000 | 4,723 |
| Additional noninterest expense | $177,000 | 5,481 |
| Pre-tax net operating income | $383,000 | 4,187 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $142,000 | 3,191 |
| Income before extraordinary items | $241,000 | 4,850 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $241,000 | 4,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $650,000 | 141 |
| Net operating income | $241,000 | 4,726 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,711,000 | 5,097 |
| Total interest expense | $1,139,000 | 5,744 |
| Net interest income | $3,572,000 | 4,729 |
| Provision for loan and lease losses | $62,000 | 5,950 |
| Total noninterest income | $709,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $474,000 | 3,234 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $235,000 | 4,963 |
| Total noninterest expense | $2,690,000 | 4,958 |
| Salaries and employee benefits | $1,715,000 | 4,410 |
| Premises and equipment expense | $314,000 | 5,535 |
| Additional noninterest expense | $661,000 | 5,684 |
| Pre-tax net operating income | $1,529,000 | 4,081 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $565,000 | 3,169 |
| Income before extraordinary items | $964,000 | 4,744 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $964,000 | 4,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,690 |
| Cash dividends | $260,000 | 4,580 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $964,000 | 4,576 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,449,000 | 5,233 |
| Total interest expense | $873,000 | 5,814 |
| Net interest income | $2,576,000 | 4,865 |
| Provision for loan and lease losses | $32,000 | 6,346 |
| Total noninterest income | $540,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $353,000 | 3,258 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $187,000 | 4,928 |
| Total noninterest expense | $1,953,000 | 5,059 |
| Salaries and employee benefits | $1,240,000 | 4,508 |
| Premises and equipment expense | $233,000 | 5,546 |
| Additional noninterest expense | $480,000 | 5,766 |
| Pre-tax net operating income | $1,131,000 | 4,248 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $409,000 | 3,372 |
| Income before extraordinary items | $722,000 | 4,909 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $722,000 | 4,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,759 |
| Cash dividends | $160,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $722,000 | 4,714 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,295,000 | 5,279 |
| Total interest expense | $604,000 | 5,821 |
| Net interest income | $1,691,000 | 4,913 |
| Provision for loan and lease losses | $7,000 | 6,972 |
| Total noninterest income | $364,000 | 4,480 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $234,000 | 3,234 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $130,000 | 4,848 |
| Total noninterest expense | $1,283,000 | 5,114 |
| Salaries and employee benefits | $815,000 | 4,551 |
| Premises and equipment expense | $151,000 | 5,624 |
| Additional noninterest expense | $317,000 | 5,788 |
| Pre-tax net operating income | $765,000 | 4,179 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $263,000 | 3,466 |
| Income before extraordinary items | $502,000 | 4,796 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $502,000 | 4,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,860 |
| Cash dividends | $80,000 | 4,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $502,000 | 4,586 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 5,267 |
| Total interest expense | $308,000 | 5,862 |
| Net interest income | $851,000 | 4,870 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $183,000 | 4,379 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $113,000 | 3,234 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $70,000 | 4,607 |
| Total noninterest expense | $639,000 | 5,131 |
| Salaries and employee benefits | $402,000 | 4,596 |
| Premises and equipment expense | $76,000 | 5,602 |
| Additional noninterest expense | $161,000 | 5,702 |
| Pre-tax net operating income | $395,000 | 4,064 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $118,000 | 3,661 |
| Income before extraordinary items | $277,000 | 4,448 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $277,000 | 4,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,727 |
| Cash dividends | $80,000 | 3,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $277,000 | 4,250 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,565,000 | 5,490 |
| Total interest expense | $1,468,000 | 5,798 |
| Net interest income | $3,097,000 | 5,182 |
| Provision for loan and lease losses | $114,000 | 5,508 |
| Total noninterest income | $629,000 | 4,601 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $467,000 | 3,147 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $162,000 | 5,444 |
| Total noninterest expense | $2,811,000 | 4,670 |
| Salaries and employee benefits | $1,806,000 | 4,079 |
| Premises and equipment expense | $318,000 | 5,381 |
| Additional noninterest expense | $687,000 | 5,470 |
| Pre-tax net operating income | $801,000 | 5,770 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $225,000 | 4,937 |
| Income before extraordinary items | $576,000 | 6,073 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $576,000 | 6,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $160,000 | 5,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $576,000 | 5,933 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,530,000 | 5,273 |
| Total interest expense | $2,377,000 | 5,553 |
| Net interest income | $3,153,000 | 4,891 |
| Provision for loan and lease losses | $733,000 | 1,608 |
| Total noninterest income | $525,000 | 4,939 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $365,000 | 3,652 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $160,000 | 5,413 |
| Total noninterest expense | $2,373,000 | 5,139 |
| Salaries and employee benefits | $1,410,000 | 4,729 |
| Premises and equipment expense | $329,000 | 5,234 |
| Additional noninterest expense | $634,000 | 5,638 |
| Pre-tax net operating income | $572,000 | 6,274 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $154,000 | 5,407 |
| Income before extraordinary items | $418,000 | 6,474 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $418,000 | 6,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $662,000 | 1,256 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $418,000 | 6,346 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,576,000 | 5,338 |
| Total interest expense | $2,343,000 | 5,774 |
| Net interest income | $3,233,000 | 4,888 |
| Provision for loan and lease losses | $206,000 | 3,678 |
| Total noninterest income | $375,000 | 5,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,496 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 5,952 |
| Total noninterest expense | $2,064,000 | 5,560 |
| Salaries and employee benefits | $1,231,000 | 5,104 |
| Premises and equipment expense | $286,000 | 5,578 |
| Additional noninterest expense | $547,000 | 6,088 |
| Pre-tax net operating income | $1,338,000 | 4,416 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $484,000 | 3,556 |
| Income before extraordinary items | $854,000 | 4,843 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $854,000 | 4,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,885 |
| Cash dividends | $160,000 | 5,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $854,000 | 4,853 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,326,000 | 6,080 |
| Total interest expense | $1,787,000 | 6,380 |
| Net interest income | $2,539,000 | 5,745 |
| Provision for loan and lease losses | $125,000 | 4,648 |
| Total noninterest income | $360,000 | 5,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 4,716 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 5,999 |
| Total noninterest expense | $1,622,000 | 6,480 |
| Salaries and employee benefits | $994,000 | 5,908 |
| Premises and equipment expense | $185,000 | 7,053 |
| Additional noninterest expense | $443,000 | 6,951 |
| Pre-tax net operating income | $1,152,000 | 4,896 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $439,000 | 3,919 |
| Income before extraordinary items | $712,000 | 5,404 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $712,000 | 5,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $712,640 | 5,373 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,825,000 | 6,631 |
| Total interest expense | $1,655,000 | 6,859 |
| Net interest income | $2,170,000 | 6,344 |
| Provision for loan and lease losses | $107,000 | 4,980 |
| Total noninterest income | $244,000 | 7,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 5,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,479 |
| Total noninterest expense | $1,358,000 | 7,075 |
| Salaries and employee benefits | $839,000 | 6,516 |
| Premises and equipment expense | $150,000 | 7,646 |
| Additional noninterest expense | $369,000 | 7,484 |
| Pre-tax net operating income | $949,000 | 5,579 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $360,000 | 4,695 |
| Income before extraordinary items | $589,000 | 6,109 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $589,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $999,000 | 473 |
| Net operating income | $589,000 | 6,003 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,562,000 | 8,305 |
| Total interest expense | $1,155,000 | 8,244 |
| Net interest income | $1,407,000 | 8,218 |
| Provision for loan and lease losses | $86,000 | 5,525 |
| Total noninterest income | $80,000 | 9,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 8,145 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,849 |
| Total noninterest expense | $955,000 | 8,496 |
| Salaries and employee benefits | $610,000 | 7,847 |
| Premises and equipment expense | $128,000 | 8,292 |
| Additional noninterest expense | $217,000 | 9,200 |
| Pre-tax net operating income | $446,000 | 8,208 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $173,000 | 7,274 |
| Income before extraordinary items | $276,000 | 8,553 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $276,000 | 8,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $274,080 | 8,525 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $740,000 | 11,087 |
| Total interest expense | $264,000 | 11,138 |
| Net interest income | $476,000 | 10,938 |
| Provision for loan and lease losses | $143,000 | 4,205 |
| Total noninterest income | $16,000 | 11,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $9,000 | 9,771 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,116 |
| Total noninterest expense | $515,000 | 10,524 |
| Salaries and employee benefits | $301,000 | 10,341 |
| Premises and equipment expense | $66,000 | 10,194 |
| Additional noninterest expense | $148,000 | 10,565 |
| Pre-tax net operating income | $-166,000 | 11,034 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-63,000 | 11,108 |
| Income before extraordinary items | $-103,000 | 11,007 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-103,000 | 11,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-103,000 | 10,959 |
* 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.