Home > Bank of Ridgeway > Income and Expense
Bank of Ridgeway, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,910,000 | 4,733 |
| Total interest expense | $1,648,000 | 5,089 |
| Net interest income | $3,262,000 | 4,469 |
| Provision for loan and lease losses | $220,000 | 2,716 |
| Total noninterest income | $707,000 | 3,687 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $567,000 | 2,232 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $140,000 | 5,256 |
| Total noninterest expense | $2,446,000 | 4,610 |
| Salaries and employee benefits | $985,000 | 5,598 |
| Premises and equipment expense | $228,000 | 5,738 |
| Additional noninterest expense | $1,233,000 | 3,052 |
| Pre-tax net operating income | $1,303,000 | 4,100 |
| Securities gains (losses) | $1,000 | 1,261 |
| Applicable income taxes | $513,000 | 2,835 |
| Income before extraordinary items | $791,000 | 4,726 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $791,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 1,371 |
| Cash dividends | $210,000 | 4,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $790,360 | 4,719 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,099,000 | 4,847 |
| Total interest expense | $1,021,000 | 5,178 |
| Net interest income | $2,078,000 | 4,604 |
| Provision for loan and lease losses | $160,000 | 2,479 |
| Total noninterest income | $471,000 | 3,658 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $375,000 | 2,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $96,000 | 5,214 |
| Total noninterest expense | $1,596,000 | 4,688 |
| Salaries and employee benefits | $666,000 | 5,581 |
| Premises and equipment expense | $137,000 | 6,003 |
| Additional noninterest expense | $793,000 | 3,162 |
| Pre-tax net operating income | $793,000 | 4,345 |
| Securities gains (losses) | $1,000 | 1,053 |
| Applicable income taxes | $303,000 | 3,028 |
| Income before extraordinary items | $491,000 | 4,919 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $491,000 | 4,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 1,027 |
| Cash dividends | $140,000 | 4,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $490,360 | 4,920 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 5,074 |
| Total interest expense | $452,000 | 5,385 |
| Net interest income | $970,000 | 4,794 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $235,000 | 3,622 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $188,000 | 2,152 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,227 |
| Total noninterest expense | $805,000 | 4,668 |
| Salaries and employee benefits | $347,000 | 5,466 |
| Premises and equipment expense | $59,000 | 6,404 |
| Additional noninterest expense | $399,000 | 3,125 |
| Pre-tax net operating income | $310,000 | 4,884 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $119,000 | 3,354 |
| Income before extraordinary items | $192,000 | 5,438 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $192,000 | 5,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,654 |
| Cash dividends | $70,000 | 3,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $191,360 | 5,444 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,972,000 | 5,166 |
| Total interest expense | $1,365,000 | 5,485 |
| Net interest income | $3,607,000 | 4,928 |
| Provision for loan and lease losses | $497,000 | 1,917 |
| Total noninterest income | $941,000 | 3,702 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $706,000 | 2,332 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $235,000 | 4,854 |
| Total noninterest expense | $3,094,000 | 4,675 |
| Salaries and employee benefits | $1,387,000 | 5,321 |
| Premises and equipment expense | $254,000 | 6,160 |
| Additional noninterest expense | $1,453,000 | 3,311 |
| Pre-tax net operating income | $957,000 | 5,466 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $366,000 | 3,841 |
| Income before extraordinary items | $592,000 | 6,031 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $592,000 | 6,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,711 |
| Cash dividends | $542,000 | 3,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $591,360 | 6,005 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,602,000 | 5,259 |
| Total interest expense | $931,000 | 5,640 |
| Net interest income | $2,671,000 | 4,984 |
| Provision for loan and lease losses | $345,000 | 1,969 |
| Total noninterest income | $638,000 | 3,933 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $513,000 | 2,391 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $125,000 | 5,534 |
| Total noninterest expense | $2,204,000 | 4,807 |
| Salaries and employee benefits | $948,000 | 5,605 |
| Premises and equipment expense | $190,000 | 6,160 |
| Additional noninterest expense | $1,066,000 | 3,339 |
| Pre-tax net operating income | $760,000 | 5,459 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $285,000 | 3,883 |
| Income before extraordinary items | $475,000 | 6,019 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $475,000 | 6,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,184 |
| Cash dividends | $319,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $475,000 | 5,984 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,306,000 | 5,313 |
| Total interest expense | $557,000 | 5,762 |
| Net interest income | $1,749,000 | 5,034 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $405,000 | 4,025 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $321,000 | 2,485 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $84,000 | 5,510 |
| Total noninterest expense | $1,423,000 | 4,909 |
| Salaries and employee benefits | $596,000 | 5,772 |
| Premises and equipment expense | $130,000 | 6,100 |
| Additional noninterest expense | $697,000 | 3,373 |
| Pre-tax net operating income | $581,000 | 5,083 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $215,000 | 3,670 |
| Income before extraordinary items | $366,000 | 5,667 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $366,000 | 5,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $146,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $366,000 | 5,633 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,108,000 | 5,422 |
| Total interest expense | $255,000 | 5,910 |
| Net interest income | $853,000 | 5,130 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $195,000 | 4,038 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $153,000 | 2,519 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,556 |
| Total noninterest expense | $752,000 | 4,736 |
| Salaries and employee benefits | $337,000 | 5,413 |
| Premises and equipment expense | $68,000 | 6,037 |
| Additional noninterest expense | $347,000 | 3,389 |
| Pre-tax net operating income | $251,000 | 5,444 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $94,000 | 3,867 |
| Income before extraordinary items | $157,000 | 6,003 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $157,000 | 6,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $73,000 | 3,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $157,000 | 5,963 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,034,000 | 5,530 |
| Total interest expense | $836,000 | 6,137 |
| Net interest income | $3,198,000 | 5,220 |
| Provision for loan and lease losses | $445,000 | 2,166 |
| Total noninterest income | $826,000 | 3,962 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $663,000 | 2,498 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $163,000 | 5,521 |
| Total noninterest expense | $2,760,000 | 4,953 |
| Salaries and employee benefits | $1,276,000 | 5,502 |
| Premises and equipment expense | $258,000 | 6,114 |
| Additional noninterest expense | $1,226,000 | 3,671 |
| Pre-tax net operating income | $819,000 | 5,732 |
| Securities gains (losses) | $68,000 | 1,506 |
| Applicable income taxes | $305,000 | 4,152 |
| Income before extraordinary items | $582,000 | 6,015 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $582,000 | 6,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 1,634 |
| Cash dividends | $308,000 | 4,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $537,120 | 6,132 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,984,000 | 5,570 |
| Total interest expense | $611,000 | 6,206 |
| Net interest income | $2,373,000 | 5,234 |
| Provision for loan and lease losses | $117,000 | 4,021 |
| Total noninterest income | $623,000 | 3,984 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $504,000 | 2,483 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $119,000 | 5,588 |
| Total noninterest expense | $2,098,000 | 4,845 |
| Salaries and employee benefits | $996,000 | 5,341 |
| Premises and equipment expense | $194,000 | 6,091 |
| Additional noninterest expense | $908,000 | 3,691 |
| Pre-tax net operating income | $781,000 | 5,249 |
| Securities gains (losses) | $-2,000 | 8,174 |
| Applicable income taxes | $260,000 | 4,011 |
| Income before extraordinary items | $519,000 | 5,727 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $519,000 | 5,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,278 |
| Cash dividends | $231,000 | 3,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $520,340 | 5,652 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,974,000 | 5,589 |
| Total interest expense | $405,000 | 6,257 |
| Net interest income | $1,569,000 | 5,269 |
| Provision for loan and lease losses | $72,000 | 4,068 |
| Total noninterest income | $424,000 | 3,961 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $338,000 | 2,469 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $86,000 | 5,466 |
| Total noninterest expense | $1,421,000 | 4,822 |
| Salaries and employee benefits | $685,000 | 5,255 |
| Premises and equipment expense | $127,000 | 6,167 |
| Additional noninterest expense | $609,000 | 3,702 |
| Pre-tax net operating income | $500,000 | 5,303 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $164,000 | 4,105 |
| Income before extraordinary items | $334,000 | 5,793 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $334,000 | 5,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 2,904 |
| Cash dividends | $154,000 | 3,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $335,340 | 5,694 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $984,000 | 5,630 |
| Total interest expense | $206,000 | 6,271 |
| Net interest income | $778,000 | 5,299 |
| Provision for loan and lease losses | $36,000 | 3,870 |
| Total noninterest income | $219,000 | 3,845 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $174,000 | 2,349 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $711,000 | 4,867 |
| Salaries and employee benefits | $335,000 | 5,348 |
| Premises and equipment expense | $65,000 | 6,100 |
| Additional noninterest expense | $311,000 | 3,639 |
| Pre-tax net operating income | $250,000 | 5,280 |
| Securities gains (losses) | $-2,000 | 8,748 |
| Applicable income taxes | $80,000 | 4,142 |
| Income before extraordinary items | $168,000 | 5,746 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $168,000 | 5,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,731 |
| Cash dividends | $77,000 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $169,360 | 5,610 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,157,000 | 5,500 |
| Total interest expense | $903,000 | 6,405 |
| Net interest income | $3,254,000 | 5,048 |
| Provision for loan and lease losses | $126,000 | 4,850 |
| Total noninterest income | $839,000 | 4,119 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $673,000 | 2,441 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $166,000 | 5,642 |
| Total noninterest expense | $2,740,000 | 4,904 |
| Salaries and employee benefits | $1,330,000 | 5,265 |
| Premises and equipment expense | $247,000 | 6,209 |
| Additional noninterest expense | $1,163,000 | 3,813 |
| Pre-tax net operating income | $1,227,000 | 4,633 |
| Securities gains (losses) | $-140,000 | 9,050 |
| Applicable income taxes | $369,000 | 3,938 |
| Income before extraordinary items | $718,000 | 5,514 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $718,000 | 5,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,531 |
| Cash dividends | $226,000 | 4,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $810,400 | 5,048 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,144,000 | 5,534 |
| Total interest expense | $712,000 | 6,419 |
| Net interest income | $2,432,000 | 5,065 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $619,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $488,000 | 2,531 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $131,000 | 5,597 |
| Total noninterest expense | $2,058,000 | 4,882 |
| Salaries and employee benefits | $1,004,000 | 5,239 |
| Premises and equipment expense | $169,000 | 6,484 |
| Additional noninterest expense | $885,000 | 3,748 |
| Pre-tax net operating income | $903,000 | 4,815 |
| Securities gains (losses) | $-138,000 | 9,140 |
| Applicable income taxes | $264,000 | 4,169 |
| Income before extraordinary items | $501,000 | 5,853 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $501,000 | 5,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,504 |
| Cash dividends | $151,000 | 4,364 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $590,700 | 5,256 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,096,000 | 5,582 |
| Total interest expense | $505,000 | 6,361 |
| Net interest income | $1,591,000 | 5,138 |
| Provision for loan and lease losses | $48,000 | 5,200 |
| Total noninterest income | $396,000 | 4,271 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $309,000 | 2,583 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $87,000 | 5,586 |
| Total noninterest expense | $1,359,000 | 4,917 |
| Salaries and employee benefits | $672,000 | 5,228 |
| Premises and equipment expense | $109,000 | 6,544 |
| Additional noninterest expense | $578,000 | 3,818 |
| Pre-tax net operating income | $580,000 | 4,925 |
| Securities gains (losses) | $-138,000 | 9,211 |
| Applicable income taxes | $158,000 | 4,416 |
| Income before extraordinary items | $284,000 | 6,218 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $284,000 | 6,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,864 |
| Cash dividends | $75,000 | 4,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $372,320 | 5,382 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,079,000 | 5,514 |
| Total interest expense | $259,000 | 6,386 |
| Net interest income | $820,000 | 5,002 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $202,000 | 4,139 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $160,000 | 2,454 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $42,000 | 5,598 |
| Total noninterest expense | $683,000 | 4,881 |
| Salaries and employee benefits | $335,000 | 5,248 |
| Premises and equipment expense | $58,000 | 6,382 |
| Additional noninterest expense | $290,000 | 3,754 |
| Pre-tax net operating income | $315,000 | 4,668 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $75,000 | 4,475 |
| Income before extraordinary items | $240,000 | 4,816 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 4,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $75,000 | 3,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $240,000 | 4,627 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,267,000 | 7,570 |
| Total interest expense | $566,000 | 8,202 |
| Net interest income | $1,701,000 | 7,113 |
| Provision for loan and lease losses | $52,000 | 6,658 |
| Total noninterest income | $419,000 | 5,662 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $344,000 | 3,919 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $75,000 | 6,976 |
| Total noninterest expense | $1,293,000 | 7,267 |
| Salaries and employee benefits | $644,000 | 7,528 |
| Premises and equipment expense | $104,000 | 8,116 |
| Additional noninterest expense | $545,000 | 6,254 |
| Pre-tax net operating income | $775,000 | 5,847 |
| Securities gains (losses) | $-126,000 | 9,154 |
| Applicable income taxes | $147,000 | 5,549 |
| Income before extraordinary items | $502,000 | 6,393 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $502,000 | 6,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,236 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $599,020 | 5,825 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,229,000 | 5,467 |
| Total interest expense | $2,113,000 | 5,930 |
| Net interest income | $3,116,000 | 4,923 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $743,000 | 4,051 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $588,000 | 2,474 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $155,000 | 5,478 |
| Total noninterest expense | $2,279,000 | 5,266 |
| Salaries and employee benefits | $1,197,000 | 5,334 |
| Premises and equipment expense | $213,000 | 6,602 |
| Additional noninterest expense | $869,000 | 4,510 |
| Pre-tax net operating income | $1,500,000 | 3,861 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $413,000 | 3,674 |
| Income before extraordinary items | $1,087,000 | 4,062 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,087,000 | 4,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,124 |
| Cash dividends | $320,000 | 4,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,087,000 | 3,934 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,985,000 | 5,744 |
| Total interest expense | $2,043,000 | 6,210 |
| Net interest income | $2,942,000 | 5,224 |
| Provision for loan and lease losses | $75,000 | 5,850 |
| Total noninterest income | $680,000 | 4,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $482,000 | 2,775 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 4,831 |
| Total noninterest expense | $2,139,000 | 5,435 |
| Salaries and employee benefits | $1,172,000 | 5,323 |
| Premises and equipment expense | $221,000 | 6,445 |
| Additional noninterest expense | $746,000 | 4,962 |
| Pre-tax net operating income | $1,408,000 | 4,254 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $376,000 | 4,122 |
| Income before extraordinary items | $1,032,000 | 4,291 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,032,000 | 4,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,922 |
| Cash dividends | $310,000 | 4,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,032,000 | 4,298 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,524,000 | 5,919 |
| Total interest expense | $1,744,000 | 6,471 |
| Net interest income | $2,780,000 | 5,454 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $566,000 | 4,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,096 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,639 |
| Total noninterest expense | $1,917,000 | 5,838 |
| Salaries and employee benefits | $1,082,000 | 5,572 |
| Premises and equipment expense | $197,000 | 6,860 |
| Additional noninterest expense | $638,000 | 5,590 |
| Pre-tax net operating income | $1,369,000 | 4,362 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $311,000 | 4,736 |
| Income before extraordinary items | $1,058,000 | 4,250 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,058,000 | 4,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,548 |
| Cash dividends | $252,000 | 4,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,058,000 | 4,208 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,364,000 | 6,170 |
| Total interest expense | $1,748,000 | 6,666 |
| Net interest income | $2,616,000 | 5,672 |
| Provision for loan and lease losses | $54,000 | 6,469 |
| Total noninterest income | $547,000 | 4,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $415,000 | 3,034 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 5,980 |
| Total noninterest expense | $1,758,000 | 6,101 |
| Salaries and employee benefits | $1,025,000 | 5,684 |
| Premises and equipment expense | $162,000 | 7,398 |
| Additional noninterest expense | $571,000 | 5,939 |
| Pre-tax net operating income | $1,351,000 | 4,496 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $361,000 | 4,689 |
| Income before extraordinary items | $990,000 | 4,562 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $990,000 | 4,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $228,000 | 5,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $990,000 | 4,457 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,072,000 | 6,595 |
| Total interest expense | $1,656,000 | 6,991 |
| Net interest income | $2,416,000 | 6,187 |
| Provision for loan and lease losses | $42,000 | 6,950 |
| Total noninterest income | $519,000 | 4,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $390,000 | 3,286 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,088 |
| Total noninterest expense | $1,705,000 | 6,279 |
| Salaries and employee benefits | $985,000 | 5,923 |
| Premises and equipment expense | $172,000 | 7,344 |
| Additional noninterest expense | $548,000 | 6,134 |
| Pre-tax net operating income | $1,188,000 | 5,280 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $315,000 | 5,588 |
| Income before extraordinary items | $873,000 | 5,160 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $873,000 | 5,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,500 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $873,000 | 5,103 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,788,000 | 7,069 |
| Total interest expense | $1,597,000 | 7,339 |
| Net interest income | $2,191,000 | 6,788 |
| Provision for loan and lease losses | $42,000 | 6,906 |
| Total noninterest income | $531,000 | 4,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $435,000 | 3,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,256 |
| Total noninterest expense | $1,620,000 | 6,790 |
| Salaries and employee benefits | $906,000 | 6,431 |
| Premises and equipment expense | $165,000 | 7,728 |
| Additional noninterest expense | $549,000 | 6,684 |
| Pre-tax net operating income | $1,060,000 | 5,537 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $286,000 | 5,990 |
| Income before extraordinary items | $788,000 | 5,367 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $788,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $140,000 | 6,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $777,780 | 5,350 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,474,000 | 7,595 |
| Total interest expense | $1,491,000 | 7,732 |
| Net interest income | $1,983,000 | 7,355 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $459,000 | 5,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $357,000 | 3,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,172 |
| Total noninterest expense | $1,512,000 | 7,231 |
| Salaries and employee benefits | $841,000 | 6,877 |
| Premises and equipment expense | $170,000 | 7,815 |
| Additional noninterest expense | $501,000 | 7,243 |
| Pre-tax net operating income | $890,000 | 6,472 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $238,000 | 6,833 |
| Income before extraordinary items | $652,000 | 6,297 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $652,000 | 6,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,953 |
| Cash dividends | $126,000 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $652,000 | 6,278 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,909,000 | 8,209 |
| Total interest expense | $1,091,000 | 8,322 |
| Net interest income | $1,818,000 | 7,994 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $367,000 | 6,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,598 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $1,306,000 | 8,215 |
| Salaries and employee benefits | $729,000 | 7,680 |
| Premises and equipment expense | $148,000 | 8,603 |
| Additional noninterest expense | $429,000 | 8,542 |
| Pre-tax net operating income | $807,000 | 6,836 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $220,000 | 7,005 |
| Income before extraordinary items | $587,000 | 6,645 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $587,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,088 |
| Cash dividends | $120,000 | 6,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $587,000 | 6,705 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,557,000 | 9,082 |
| Total interest expense | $1,015,000 | 9,036 |
| Net interest income | $1,542,000 | 8,971 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $276,000 | 7,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 5,687 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,494 |
| Total noninterest expense | $1,053,000 | 9,513 |
| Salaries and employee benefits | $617,000 | 8,657 |
| Premises and equipment expense | $111,000 | 10,087 |
| Additional noninterest expense | $325,000 | 10,124 |
| Pre-tax net operating income | $695,000 | 7,391 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $202,000 | 7,571 |
| Income before extraordinary items | $497,000 | 7,586 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $497,000 | 7,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 6,716 |
| Cash dividends | $120,000 | 6,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $494,160 | 7,352 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,503,000 | 9,914 |
| Total interest expense | $1,109,000 | 9,949 |
| Net interest income | $1,394,000 | 9,639 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $270,000 | 8,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 6,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 9,195 |
| Total noninterest expense | $1,015,000 | 9,903 |
| Salaries and employee benefits | $554,000 | 9,242 |
| Premises and equipment expense | $126,000 | 9,817 |
| Additional noninterest expense | $335,000 | 10,380 |
| Pre-tax net operating income | $589,000 | 7,793 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $174,000 | 8,098 |
| Income before extraordinary items | $415,000 | 8,060 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $415,000 | 8,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 8,164 |
| Cash dividends | $108,000 | 6,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $415,000 | 7,713 |
* 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.