Home > Bank of Northumberland, Incorporated > Income and Expense
Bank of Northumberland, Incorporated, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,236,000 | 2,774 |
| Total interest expense | $1,174,000 | 2,850 |
| Net interest income | $2,062,000 | 2,715 |
| Provision for loan and lease losses | $26,000 | 4,229 |
| Total noninterest income | $224,000 | 3,721 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $141,000 | 2,720 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $83,000 | 4,074 |
| Total noninterest expense | $1,343,000 | 3,172 |
| Salaries and employee benefits | $489,000 | 4,353 |
| Premises and equipment expense | $72,000 | 5,891 |
| Additional noninterest expense | $782,000 | 1,666 |
| Pre-tax net operating income | $917,000 | 2,427 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $257,000 | 2,226 |
| Income before extraordinary items | $660,000 | 2,551 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $660,000 | 2,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,260 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $660,000 | 2,531 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,694,000 | 2,584 |
| Total interest expense | $3,937,000 | 2,688 |
| Net interest income | $8,757,000 | 2,485 |
| Provision for loan and lease losses | $71,000 | 5,294 |
| Total noninterest income | $922,000 | 3,747 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $611,000 | 2,634 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $311,000 | 4,260 |
| Total noninterest expense | $4,937,000 | 3,271 |
| Salaries and employee benefits | $1,887,000 | 4,305 |
| Premises and equipment expense | $323,000 | 5,523 |
| Additional noninterest expense | $2,727,000 | 1,857 |
| Pre-tax net operating income | $4,671,000 | 1,968 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $1,297,000 | 1,890 |
| Income before extraordinary items | $3,375,000 | 2,035 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,375,000 | 2,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,889 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 471 |
| Net operating income | $3,374,280 | 2,008 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,376,000 | 2,571 |
| Total interest expense | $2,843,000 | 2,647 |
| Net interest income | $6,533,000 | 2,485 |
| Provision for loan and lease losses | $115,000 | 3,957 |
| Total noninterest income | $688,000 | 3,765 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $451,000 | 2,649 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $237,000 | 4,229 |
| Total noninterest expense | $3,629,000 | 3,300 |
| Salaries and employee benefits | $1,420,000 | 4,270 |
| Premises and equipment expense | $256,000 | 5,356 |
| Additional noninterest expense | $1,953,000 | 1,903 |
| Pre-tax net operating income | $3,477,000 | 1,992 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $970,000 | 1,922 |
| Income before extraordinary items | $2,508,000 | 2,059 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,508,000 | 2,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,917 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 340 |
| Net operating income | $2,507,280 | 2,025 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,143,000 | 2,554 |
| Total interest expense | $1,829,000 | 2,599 |
| Net interest income | $4,314,000 | 2,481 |
| Provision for loan and lease losses | $75,000 | 3,815 |
| Total noninterest income | $447,000 | 3,779 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $294,000 | 2,659 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $153,000 | 4,276 |
| Total noninterest expense | $2,430,000 | 3,270 |
| Salaries and employee benefits | $969,000 | 4,162 |
| Premises and equipment expense | $191,000 | 4,972 |
| Additional noninterest expense | $1,270,000 | 1,934 |
| Pre-tax net operating income | $2,256,000 | 1,987 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $620,000 | 1,956 |
| Income before extraordinary items | $1,637,000 | 2,066 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,637,000 | 2,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,342 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 238 |
| Net operating income | $1,636,270 | 2,030 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,007,000 | 2,565 |
| Total interest expense | $875,000 | 2,598 |
| Net interest income | $2,132,000 | 2,506 |
| Provision for loan and lease losses | $40,000 | 3,596 |
| Total noninterest income | $226,000 | 3,702 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $142,000 | 2,673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $84,000 | 4,085 |
| Total noninterest expense | $1,257,000 | 3,184 |
| Salaries and employee benefits | $509,000 | 4,038 |
| Premises and equipment expense | $93,000 | 5,112 |
| Additional noninterest expense | $655,000 | 1,875 |
| Pre-tax net operating income | $1,061,000 | 2,062 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $283,000 | 2,063 |
| Income before extraordinary items | $778,000 | 2,135 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $778,000 | 2,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 1,526 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 121 |
| Net operating income | $778,000 | 2,100 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,470,000 | 2,502 |
| Total interest expense | $3,563,000 | 2,270 |
| Net interest income | $7,907,000 | 2,570 |
| Provision for loan and lease losses | $290,000 | 2,996 |
| Total noninterest income | $952,000 | 3,673 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $616,000 | 2,652 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $336,000 | 4,060 |
| Total noninterest expense | $4,329,000 | 3,514 |
| Salaries and employee benefits | $2,055,000 | 3,906 |
| Premises and equipment expense | $288,000 | 5,783 |
| Additional noninterest expense | $1,986,000 | 2,445 |
| Pre-tax net operating income | $4,240,000 | 1,955 |
| Securities gains (losses) | $19,000 | 2,428 |
| Applicable income taxes | $1,122,000 | 1,993 |
| Income before extraordinary items | $3,137,000 | 1,998 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,137,000 | 1,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,497 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,122,940 | 1,960 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,533,000 | 2,483 |
| Total interest expense | $2,682,000 | 2,213 |
| Net interest income | $5,851,000 | 2,573 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $730,000 | 3,628 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $467,000 | 2,642 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $263,000 | 3,972 |
| Total noninterest expense | $3,307,000 | 3,445 |
| Salaries and employee benefits | $1,535,000 | 3,883 |
| Premises and equipment expense | $213,000 | 5,794 |
| Additional noninterest expense | $1,559,000 | 2,314 |
| Pre-tax net operating income | $3,229,000 | 1,945 |
| Securities gains (losses) | $17,000 | 2,413 |
| Applicable income taxes | $867,000 | 1,989 |
| Income before extraordinary items | $2,379,000 | 1,977 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,379,000 | 1,978 |
| 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 | $2,366,590 | 1,937 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,661,000 | 2,475 |
| Total interest expense | $1,782,000 | 2,206 |
| Net interest income | $3,879,000 | 2,560 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $468,000 | 3,726 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $318,000 | 2,586 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $150,000 | 4,305 |
| Total noninterest expense | $2,195,000 | 3,481 |
| Salaries and employee benefits | $1,012,000 | 3,937 |
| Premises and equipment expense | $144,000 | 5,789 |
| Additional noninterest expense | $1,039,000 | 2,314 |
| Pre-tax net operating income | $2,122,000 | 1,943 |
| Securities gains (losses) | $16,000 | 2,165 |
| Applicable income taxes | $566,000 | 2,023 |
| Income before extraordinary items | $1,572,000 | 1,998 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,572,000 | 1,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,447 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,560,160 | 1,956 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,875,000 | 2,443 |
| Total interest expense | $894,000 | 2,218 |
| Net interest income | $1,981,000 | 2,518 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $240,000 | 3,622 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $157,000 | 2,581 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $83,000 | 4,094 |
| Total noninterest expense | $1,080,000 | 3,542 |
| Salaries and employee benefits | $511,000 | 3,936 |
| Premises and equipment expense | $68,000 | 5,967 |
| Additional noninterest expense | $501,000 | 2,354 |
| Pre-tax net operating income | $1,126,000 | 1,825 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $312,000 | 1,867 |
| Income before extraordinary items | $814,000 | 1,923 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $814,000 | 1,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 8,867 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $814,000 | 1,833 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,480,000 | 2,479 |
| Total interest expense | $3,782,000 | 2,339 |
| Net interest income | $7,698,000 | 2,504 |
| Provision for loan and lease losses | $242,000 | 3,602 |
| Total noninterest income | $957,000 | 3,811 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $612,000 | 2,653 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $345,000 | 4,248 |
| Total noninterest expense | $3,779,000 | 3,864 |
| Salaries and employee benefits | $1,907,000 | 4,080 |
| Premises and equipment expense | $323,000 | 5,438 |
| Additional noninterest expense | $1,549,000 | 2,991 |
| Pre-tax net operating income | $4,634,000 | 1,740 |
| Securities gains (losses) | $9,000 | 3,670 |
| Applicable income taxes | $1,249,000 | 1,878 |
| Income before extraordinary items | $3,394,000 | 1,831 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,394,000 | 1,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,926 |
| Cash dividends | $3,200,000 | 939 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,387,430 | 1,750 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,604,000 | 2,520 |
| Total interest expense | $2,874,000 | 2,394 |
| Net interest income | $5,730,000 | 2,539 |
| Provision for loan and lease losses | $167,000 | 3,715 |
| Total noninterest income | $638,000 | 4,137 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $441,000 | 2,741 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $197,000 | 4,828 |
| Total noninterest expense | $2,761,000 | 3,929 |
| Salaries and employee benefits | $1,368,000 | 4,215 |
| Premises and equipment expense | $235,000 | 5,523 |
| Additional noninterest expense | $1,158,000 | 2,985 |
| Pre-tax net operating income | $3,440,000 | 1,819 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $965,000 | 1,909 |
| Income before extraordinary items | $2,481,000 | 1,941 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,481,000 | 1,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,672 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,476,680 | 1,841 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,755,000 | 2,532 |
| Total interest expense | $1,957,000 | 2,418 |
| Net interest income | $3,798,000 | 2,557 |
| Provision for loan and lease losses | $92,000 | 4,005 |
| Total noninterest income | $405,000 | 4,215 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $280,000 | 2,802 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $125,000 | 4,923 |
| Total noninterest expense | $1,809,000 | 3,984 |
| Salaries and employee benefits | $901,000 | 4,254 |
| Premises and equipment expense | $154,000 | 5,570 |
| Additional noninterest expense | $754,000 | 3,020 |
| Pre-tax net operating income | $2,302,000 | 1,809 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $647,000 | 1,939 |
| Income before extraordinary items | $1,662,000 | 1,918 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,662,000 | 1,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,755 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,656,960 | 1,814 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,857,000 | 2,561 |
| Total interest expense | $1,006,000 | 2,426 |
| Net interest income | $1,851,000 | 2,621 |
| Provision for loan and lease losses | $92,000 | 2,478 |
| Total noninterest income | $166,000 | 4,626 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $125,000 | 2,989 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 5,651 |
| Total noninterest expense | $933,000 | 3,877 |
| Salaries and employee benefits | $460,000 | 4,168 |
| Premises and equipment expense | $90,000 | 5,048 |
| Additional noninterest expense | $383,000 | 2,969 |
| Pre-tax net operating income | $992,000 | 2,058 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $277,000 | 2,157 |
| Income before extraordinary items | $715,000 | 2,157 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $715,000 | 2,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,840 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $715,000 | 2,041 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,543,000 | 2,644 |
| Total interest expense | $4,759,000 | 2,345 |
| Net interest income | $6,784,000 | 2,808 |
| Provision for loan and lease losses | $500,000 | 2,369 |
| Total noninterest income | $646,000 | 4,535 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $492,000 | 3,013 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $154,000 | 5,539 |
| Total noninterest expense | $3,113,000 | 4,339 |
| Salaries and employee benefits | $1,660,000 | 4,342 |
| Premises and equipment expense | $267,000 | 5,926 |
| Additional noninterest expense | $1,186,000 | 3,638 |
| Pre-tax net operating income | $3,817,000 | 2,062 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $1,040,000 | 2,151 |
| Income before extraordinary items | $2,778,000 | 2,151 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,778,000 | 2,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,880 |
| Cash dividends | $2,800,000 | 977 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,777,270 | 2,075 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,596,000 | 2,921 |
| Total interest expense | $5,970,000 | 2,676 |
| Net interest income | $5,626,000 | 3,117 |
| Provision for loan and lease losses | $924,000 | 1,328 |
| Total noninterest income | $723,000 | 4,114 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $524,000 | 2,741 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $199,000 | 4,932 |
| Total noninterest expense | $2,673,000 | 4,735 |
| Salaries and employee benefits | $1,422,000 | 4,698 |
| Premises and equipment expense | $284,000 | 5,701 |
| Additional noninterest expense | $967,000 | 4,180 |
| Pre-tax net operating income | $2,752,000 | 2,456 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $696,000 | 2,683 |
| Income before extraordinary items | $2,062,000 | 2,458 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,062,000 | 2,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $584,000 | 1,396 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,057,500 | 2,384 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,455,000 | 3,014 |
| Total interest expense | $5,684,000 | 2,924 |
| Net interest income | $5,771,000 | 3,059 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $827,000 | 3,585 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $481,000 | 2,779 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $346,000 | 3,640 |
| Total noninterest expense | $2,587,000 | 4,737 |
| Salaries and employee benefits | $1,411,000 | 4,585 |
| Premises and equipment expense | $254,000 | 5,991 |
| Additional noninterest expense | $922,000 | 4,263 |
| Pre-tax net operating income | $3,831,000 | 1,904 |
| Securities gains (losses) | $-10,000 | 8,341 |
| Applicable income taxes | $1,002,000 | 2,112 |
| Income before extraordinary items | $2,819,000 | 1,846 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,819,000 | 1,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $1,500,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,826,400 | 1,844 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,649,000 | 3,033 |
| Total interest expense | $4,961,000 | 2,942 |
| Net interest income | $5,688,000 | 3,064 |
| Provision for loan and lease losses | $111,000 | 5,007 |
| Total noninterest income | $683,000 | 4,062 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $417,000 | 3,106 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $266,000 | 4,303 |
| Total noninterest expense | $2,507,000 | 4,875 |
| Salaries and employee benefits | $1,409,000 | 4,565 |
| Premises and equipment expense | $285,000 | 5,622 |
| Additional noninterest expense | $813,000 | 4,725 |
| Pre-tax net operating income | $3,753,000 | 1,960 |
| Securities gains (losses) | $-12,000 | 9,370 |
| Applicable income taxes | $961,000 | 2,286 |
| Income before extraordinary items | $2,780,000 | 1,909 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,780,000 | 1,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,426 |
| Cash dividends | $4,000,000 | 768 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,788,880 | 1,873 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,591,000 | 3,051 |
| Total interest expense | $5,013,000 | 2,992 |
| Net interest income | $5,578,000 | 3,082 |
| Provision for loan and lease losses | $88,000 | 5,415 |
| Total noninterest income | $668,000 | 4,106 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $371,000 | 3,347 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $297,000 | 4,052 |
| Total noninterest expense | $2,538,000 | 4,723 |
| Salaries and employee benefits | $1,325,000 | 4,684 |
| Premises and equipment expense | $267,000 | 5,734 |
| Additional noninterest expense | $946,000 | 4,140 |
| Pre-tax net operating income | $3,620,000 | 2,003 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $949,000 | 2,399 |
| Income before extraordinary items | $2,679,000 | 1,954 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,679,000 | 1,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,524 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,673,080 | 1,888 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,046,000 | 3,221 |
| Total interest expense | $4,520,000 | 3,284 |
| Net interest income | $5,526,000 | 3,164 |
| Provision for loan and lease losses | $22,000 | 7,821 |
| Total noninterest income | $435,000 | 5,443 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $336,000 | 3,736 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $99,000 | 6,819 |
| Total noninterest expense | $2,564,000 | 4,690 |
| Salaries and employee benefits | $1,253,000 | 4,921 |
| Premises and equipment expense | $264,000 | 5,874 |
| Additional noninterest expense | $1,047,000 | 3,736 |
| Pre-tax net operating income | $3,375,000 | 2,241 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $860,000 | 2,770 |
| Income before extraordinary items | $2,513,000 | 2,102 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,513,000 | 2,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $915,000 | 2,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,514,500 | 2,051 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,498,000 | 3,432 |
| Total interest expense | $4,332,000 | 3,444 |
| Net interest income | $5,166,000 | 3,442 |
| Provision for loan and lease losses | $92,000 | 5,306 |
| Total noninterest income | $412,000 | 5,847 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $312,000 | 4,108 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $100,000 | 7,130 |
| Total noninterest expense | $2,246,000 | 5,447 |
| Salaries and employee benefits | $1,177,000 | 5,289 |
| Premises and equipment expense | $301,000 | 5,587 |
| Additional noninterest expense | $768,000 | 5,363 |
| Pre-tax net operating income | $3,240,000 | 2,209 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $748,000 | 3,020 |
| Income before extraordinary items | $2,495,000 | 1,985 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,495,000 | 1,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,102 |
| Cash dividends | $839,000 | 2,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,492,690 | 1,947 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,994,000 | 3,624 |
| Total interest expense | $4,352,000 | 3,425 |
| Net interest income | $4,642,000 | 3,785 |
| Provision for loan and lease losses | $251,000 | 2,547 |
| Total noninterest income | $414,000 | 5,860 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $303,000 | 4,267 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $111,000 | 6,893 |
| Total noninterest expense | $2,267,000 | 5,422 |
| Salaries and employee benefits | $1,113,000 | 5,550 |
| Premises and equipment expense | $334,000 | 5,206 |
| Additional noninterest expense | $820,000 | 5,150 |
| Pre-tax net operating income | $2,538,000 | 2,804 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $542,000 | 3,951 |
| Income before extraordinary items | $1,986,000 | 2,532 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,986,000 | 2,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,982 |
| Cash dividends | $585,000 | 3,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,993,900 | 2,495 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,243,000 | 3,641 |
| Total interest expense | $3,588,000 | 3,381 |
| Net interest income | $4,655,000 | 3,805 |
| Provision for loan and lease losses | $316,000 | 2,168 |
| Total noninterest income | $407,000 | 6,081 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $305,000 | 4,303 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $102,000 | 7,454 |
| Total noninterest expense | $2,208,000 | 5,718 |
| Salaries and employee benefits | $1,104,000 | 5,621 |
| Premises and equipment expense | $254,000 | 6,450 |
| Additional noninterest expense | $850,000 | 5,424 |
| Pre-tax net operating income | $2,538,000 | 2,786 |
| Securities gains (losses) | $26,000 | 1,570 |
| Applicable income taxes | $536,000 | 3,843 |
| Income before extraordinary items | $2,028,000 | 2,395 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,028,000 | 2,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,153 |
| Cash dividends | $534,000 | 3,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,007,460 | 2,437 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,085,000 | 3,781 |
| Total interest expense | $3,642,000 | 3,445 |
| Net interest income | $4,443,000 | 3,990 |
| Provision for loan and lease losses | $272,000 | 3,217 |
| Total noninterest income | $389,000 | 6,606 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $288,000 | 4,578 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $101,000 | 7,826 |
| Total noninterest expense | $2,105,000 | 6,076 |
| Salaries and employee benefits | $1,058,000 | 5,829 |
| Premises and equipment expense | $237,000 | 6,945 |
| Additional noninterest expense | $810,000 | 5,871 |
| Pre-tax net operating income | $2,455,000 | 2,753 |
| Securities gains (losses) | $46,000 | 3,527 |
| Applicable income taxes | $496,000 | 4,226 |
| Income before extraordinary items | $2,005,000 | 2,514 |
| Extraordinary gains, net | $42,000 | 2,278 |
| Net income | $2,047,000 | 2,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 5,272 |
| Cash dividends | $483,000 | 3,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,968,200 | 2,414 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,516,000 | 4,062 |
| Total interest expense | $4,308,000 | 3,806 |
| Net interest income | $4,208,000 | 4,249 |
| Provision for loan and lease losses | $270,000 | 4,396 |
| Total noninterest income | $348,000 | 7,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 5,154 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 8,102 |
| Total noninterest expense | $1,963,000 | 6,477 |
| Salaries and employee benefits | $977,000 | 6,160 |
| Premises and equipment expense | $216,000 | 7,482 |
| Additional noninterest expense | $770,000 | 6,281 |
| Pre-tax net operating income | $2,323,000 | 2,684 |
| Securities gains (losses) | $128,000 | 2,614 |
| Applicable income taxes | $479,000 | 4,133 |
| Income before extraordinary items | $1,972,000 | 2,319 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,972,000 | 2,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 6,766 |
| Cash dividends | $420,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,869,600 | 2,277 |
* 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.