Home > Bank of the Hills > Income and Expense
Bank of the Hills, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,466,000 | 2,251 |
| Total interest expense | $3,432,000 | 2,169 |
| Net interest income | $5,034,000 | 2,317 |
| Provision for loan and lease losses | $54,000 | 4,368 |
| Total noninterest income | $1,164,000 | 1,997 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $690,000 | 1,283 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $474,000 | 2,298 |
| Total noninterest expense | $2,880,000 | 2,985 |
| Salaries and employee benefits | $1,599,000 | 2,960 |
| Premises and equipment expense | $288,000 | 3,888 |
| Additional noninterest expense | $993,000 | 2,581 |
| Pre-tax net operating income | $3,264,000 | 1,540 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $716,000 | 1,829 |
| Income before extraordinary items | $2,548,000 | 1,464 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,548,000 | 1,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,609 |
| Cash dividends | $120,000 | 4,195 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 768 |
| Net operating income | $2,548,000 | 1,444 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,062,000 | 2,291 |
| Total interest expense | $1,609,000 | 2,191 |
| Net interest income | $2,453,000 | 2,361 |
| Provision for loan and lease losses | $38,000 | 3,609 |
| Total noninterest income | $559,000 | 2,036 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $325,000 | 1,320 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $234,000 | 2,279 |
| Total noninterest expense | $1,429,000 | 3,005 |
| Salaries and employee benefits | $787,000 | 3,018 |
| Premises and equipment expense | $144,000 | 3,911 |
| Additional noninterest expense | $498,000 | 2,540 |
| Pre-tax net operating income | $1,545,000 | 1,590 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $334,000 | 1,880 |
| Income before extraordinary items | $1,211,000 | 1,498 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,211,000 | 1,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $60,000 | 3,464 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 564 |
| Net operating income | $1,211,000 | 1,482 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,981,000 | 2,362 |
| Total interest expense | $4,647,000 | 2,358 |
| Net interest income | $9,334,000 | 2,367 |
| Provision for loan and lease losses | $296,000 | 2,894 |
| Total noninterest income | $2,045,000 | 2,172 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,257,000 | 1,394 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $788,000 | 2,564 |
| Total noninterest expense | $5,528,000 | 2,968 |
| Salaries and employee benefits | $3,097,000 | 2,893 |
| Premises and equipment expense | $614,000 | 3,589 |
| Additional noninterest expense | $1,817,000 | 2,734 |
| Pre-tax net operating income | $5,555,000 | 1,681 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,180,000 | 2,031 |
| Income before extraordinary items | $4,375,000 | 1,609 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,375,000 | 1,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,078 |
| Cash dividends | $250,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 908 |
| Net operating income | $4,375,000 | 1,585 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,977,000 | 2,422 |
| Total interest expense | $3,118,000 | 2,466 |
| Net interest income | $6,859,000 | 2,388 |
| Provision for loan and lease losses | $249,000 | 2,565 |
| Total noninterest income | $1,498,000 | 2,208 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $934,000 | 1,388 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $564,000 | 2,654 |
| Total noninterest expense | $4,092,000 | 2,960 |
| Salaries and employee benefits | $2,301,000 | 2,880 |
| Premises and equipment expense | $455,000 | 3,621 |
| Additional noninterest expense | $1,336,000 | 2,755 |
| Pre-tax net operating income | $4,016,000 | 1,756 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $920,000 | 2,001 |
| Income before extraordinary items | $3,096,000 | 1,702 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,096,000 | 1,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,957 |
| Cash dividends | $180,000 | 4,177 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 754 |
| Net operating income | $3,096,000 | 1,669 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,387,000 | 2,459 |
| Total interest expense | $1,895,000 | 2,522 |
| Net interest income | $4,492,000 | 2,401 |
| Provision for loan and lease losses | $183,000 | 2,286 |
| Total noninterest income | $962,000 | 2,242 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $605,000 | 1,402 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $357,000 | 2,734 |
| Total noninterest expense | $2,680,000 | 2,997 |
| Salaries and employee benefits | $1,527,000 | 2,883 |
| Premises and equipment expense | $293,000 | 3,693 |
| Additional noninterest expense | $860,000 | 2,825 |
| Pre-tax net operating income | $2,591,000 | 1,776 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $607,000 | 1,989 |
| Income before extraordinary items | $1,984,000 | 1,727 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,984,000 | 1,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $120,000 | 4,098 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 630 |
| Net operating income | $1,984,000 | 1,699 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,062,000 | 2,524 |
| Total interest expense | $870,000 | 2,609 |
| Net interest income | $2,192,000 | 2,435 |
| Provision for loan and lease losses | $101,000 | 2,023 |
| Total noninterest income | $467,000 | 2,237 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $293,000 | 1,403 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $174,000 | 2,715 |
| Total noninterest expense | $1,330,000 | 3,037 |
| Salaries and employee benefits | $760,000 | 2,896 |
| Premises and equipment expense | $147,000 | 3,704 |
| Additional noninterest expense | $423,000 | 2,874 |
| Pre-tax net operating income | $1,228,000 | 1,840 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $290,000 | 2,024 |
| Income before extraordinary items | $938,000 | 1,804 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $938,000 | 1,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $60,000 | 3,307 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 475 |
| Net operating income | $938,000 | 1,759 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,048,000 | 2,580 |
| Total interest expense | $2,728,000 | 2,829 |
| Net interest income | $8,320,000 | 2,464 |
| Provision for loan and lease losses | $336,000 | 2,695 |
| Total noninterest income | $1,949,000 | 2,240 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,315,000 | 1,349 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $634,000 | 2,888 |
| Total noninterest expense | $5,213,000 | 2,993 |
| Salaries and employee benefits | $2,901,000 | 2,922 |
| Premises and equipment expense | $592,000 | 3,568 |
| Additional noninterest expense | $1,720,000 | 2,774 |
| Pre-tax net operating income | $4,720,000 | 1,782 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,234,000 | 1,864 |
| Income before extraordinary items | $3,486,000 | 1,818 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,486,000 | 1,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,670 |
| Cash dividends | $284,000 | 4,448 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 818 |
| Net operating income | $3,486,000 | 1,777 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,067,000 | 2,609 |
| Total interest expense | $1,936,000 | 2,918 |
| Net interest income | $6,131,000 | 2,466 |
| Provision for loan and lease losses | $260,000 | 2,516 |
| Total noninterest income | $1,467,000 | 2,241 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,009,000 | 1,329 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $458,000 | 2,954 |
| Total noninterest expense | $3,832,000 | 3,015 |
| Salaries and employee benefits | $2,148,000 | 2,939 |
| Premises and equipment expense | $440,000 | 3,605 |
| Additional noninterest expense | $1,244,000 | 2,833 |
| Pre-tax net operating income | $3,506,000 | 1,804 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $920,000 | 1,907 |
| Income before extraordinary items | $2,586,000 | 1,847 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,586,000 | 1,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $216,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 693 |
| Net operating income | $2,586,000 | 1,805 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,251,000 | 2,660 |
| Total interest expense | $1,232,000 | 3,017 |
| Net interest income | $4,019,000 | 2,481 |
| Provision for loan and lease losses | $178,000 | 2,448 |
| Total noninterest income | $964,000 | 2,251 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $668,000 | 1,325 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $296,000 | 3,009 |
| Total noninterest expense | $2,525,000 | 3,060 |
| Salaries and employee benefits | $1,416,000 | 2,985 |
| Premises and equipment expense | $297,000 | 3,583 |
| Additional noninterest expense | $812,000 | 2,901 |
| Pre-tax net operating income | $2,280,000 | 1,839 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $601,000 | 1,924 |
| Income before extraordinary items | $1,679,000 | 1,874 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,679,000 | 1,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $156,000 | 3,751 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 602 |
| Net operating income | $1,679,000 | 1,822 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,578,000 | 2,709 |
| Total interest expense | $601,000 | 3,111 |
| Net interest income | $1,977,000 | 2,522 |
| Provision for loan and lease losses | $92,000 | 2,235 |
| Total noninterest income | $457,000 | 2,309 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $321,000 | 1,338 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $136,000 | 3,110 |
| Total noninterest expense | $1,251,000 | 3,096 |
| Salaries and employee benefits | $705,000 | 3,018 |
| Premises and equipment expense | $151,000 | 3,573 |
| Additional noninterest expense | $395,000 | 2,949 |
| Pre-tax net operating income | $1,091,000 | 1,863 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $289,000 | 1,985 |
| Income before extraordinary items | $802,000 | 1,957 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $802,000 | 1,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,552 |
| Cash dividends | $60,000 | 3,268 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 435 |
| Net operating income | $802,000 | 1,869 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,217,000 | 3,048 |
| Total interest expense | $2,237,000 | 3,652 |
| Net interest income | $6,980,000 | 2,757 |
| Provision for loan and lease losses | $426,000 | 2,458 |
| Total noninterest income | $2,130,000 | 2,224 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,294,000 | 1,336 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $836,000 | 2,666 |
| Total noninterest expense | $4,654,000 | 3,255 |
| Salaries and employee benefits | $2,588,000 | 3,175 |
| Premises and equipment expense | $469,000 | 4,260 |
| Additional noninterest expense | $1,597,000 | 2,910 |
| Pre-tax net operating income | $4,030,000 | 1,961 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,247,000 | 1,883 |
| Income before extraordinary items | $2,783,000 | 2,183 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,783,000 | 2,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,982 |
| Cash dividends | $145,000 | 5,282 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 747 |
| Net operating income | $2,783,000 | 2,077 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,730,000 | 3,155 |
| Total interest expense | $1,677,000 | 3,786 |
| Net interest income | $5,053,000 | 2,871 |
| Provision for loan and lease losses | $251,000 | 2,839 |
| Total noninterest income | $1,410,000 | 2,454 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $955,000 | 1,369 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $455,000 | 3,306 |
| Total noninterest expense | $3,259,000 | 3,445 |
| Salaries and employee benefits | $1,889,000 | 3,252 |
| Premises and equipment expense | $326,000 | 4,476 |
| Additional noninterest expense | $1,044,000 | 3,271 |
| Pre-tax net operating income | $2,953,000 | 2,075 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $922,000 | 1,982 |
| Income before extraordinary items | $2,031,000 | 2,296 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,031,000 | 2,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $80,000 | 4,885 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 599 |
| Net operating income | $2,031,000 | 2,183 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,421,000 | 3,215 |
| Total interest expense | $1,153,000 | 3,794 |
| Net interest income | $3,268,000 | 2,933 |
| Provision for loan and lease losses | $164,000 | 2,874 |
| Total noninterest income | $909,000 | 2,513 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $615,000 | 1,389 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $294,000 | 3,327 |
| Total noninterest expense | $2,128,000 | 3,497 |
| Salaries and employee benefits | $1,237,000 | 3,297 |
| Premises and equipment expense | $214,000 | 4,514 |
| Additional noninterest expense | $677,000 | 3,336 |
| Pre-tax net operating income | $1,885,000 | 2,148 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $599,000 | 2,048 |
| Income before extraordinary items | $1,286,000 | 2,416 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,286,000 | 2,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $35,000 | 4,909 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 499 |
| Net operating income | $1,286,000 | 2,287 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,180,000 | 3,266 |
| Total interest expense | $569,000 | 3,934 |
| Net interest income | $1,611,000 | 2,973 |
| Provision for loan and lease losses | $78,000 | 2,765 |
| Total noninterest income | $432,000 | 2,536 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $292,000 | 1,421 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $140,000 | 3,340 |
| Total noninterest expense | $1,056,000 | 3,506 |
| Salaries and employee benefits | $622,000 | 3,265 |
| Premises and equipment expense | $106,000 | 4,525 |
| Additional noninterest expense | $328,000 | 3,375 |
| Pre-tax net operating income | $909,000 | 2,221 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $291,000 | 2,104 |
| Income before extraordinary items | $618,000 | 2,468 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $618,000 | 2,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $35,000 | 3,583 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 367 |
| Net operating income | $618,000 | 2,331 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,333,000 | 3,527 |
| Total interest expense | $2,357,000 | 4,291 |
| Net interest income | $5,976,000 | 3,144 |
| Provision for loan and lease losses | $362,000 | 3,045 |
| Total noninterest income | $1,585,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $974,000 | 1,658 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $611,000 | 2,932 |
| Total noninterest expense | $3,835,000 | 3,677 |
| Salaries and employee benefits | $2,181,000 | 3,483 |
| Premises and equipment expense | $402,000 | 4,634 |
| Additional noninterest expense | $1,252,000 | 3,494 |
| Pre-tax net operating income | $3,364,000 | 2,278 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,130,000 | 2,017 |
| Income before extraordinary items | $2,234,000 | 2,566 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,234,000 | 2,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $110,000 | 5,480 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 737 |
| Net operating income | $2,234,000 | 2,482 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,781,000 | 4,535 |
| Total interest expense | $2,600,000 | 5,276 |
| Net interest income | $4,181,000 | 3,992 |
| Provision for loan and lease losses | $186,000 | 4,286 |
| Total noninterest income | $942,000 | 3,478 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $700,000 | 2,142 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $242,000 | 4,551 |
| Total noninterest expense | $3,027,000 | 4,305 |
| Salaries and employee benefits | $1,729,000 | 4,040 |
| Premises and equipment expense | $327,000 | 5,255 |
| Additional noninterest expense | $971,000 | 4,165 |
| Pre-tax net operating income | $1,910,000 | 3,285 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $655,000 | 2,799 |
| Income before extraordinary items | $1,255,000 | 3,682 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,255,000 | 3,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,017 |
| Cash dividends | $65,000 | 6,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,255,000 | 3,578 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,737,000 | 5,931 |
| Total interest expense | $1,867,000 | 6,482 |
| Net interest income | $2,870,000 | 5,311 |
| Provision for loan and lease losses | $357,000 | 2,539 |
| Total noninterest income | $564,000 | 4,576 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $468,000 | 2,870 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 6,526 |
| Total noninterest expense | $2,222,000 | 5,299 |
| Salaries and employee benefits | $1,271,000 | 4,972 |
| Premises and equipment expense | $240,000 | 6,194 |
| Additional noninterest expense | $711,000 | 5,120 |
| Pre-tax net operating income | $855,000 | 5,682 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $216,000 | 5,251 |
| Income before extraordinary items | $639,000 | 5,672 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $639,000 | 5,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $639,000 | 5,683 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,821,000 | 7,584 |
| Total interest expense | $1,092,000 | 7,935 |
| Net interest income | $1,729,000 | 7,148 |
| Provision for loan and lease losses | $234,000 | 3,240 |
| Total noninterest income | $296,000 | 6,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,345 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 8,834 |
| Total noninterest expense | $1,523,000 | 6,713 |
| Salaries and employee benefits | $889,000 | 6,359 |
| Premises and equipment expense | $159,000 | 7,518 |
| Additional noninterest expense | $475,000 | 6,706 |
| Pre-tax net operating income | $268,000 | 8,262 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $268,000 | 7,810 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $268,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $268,000 | 7,783 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,006,000 | 9,853 |
| Total interest expense | $436,000 | 9,831 |
| Net interest income | $570,000 | 9,795 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $33,000 | 10,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 8,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,104 |
| Total noninterest expense | $943,000 | 8,296 |
| Salaries and employee benefits | $590,000 | 7,814 |
| Premises and equipment expense | $93,000 | 8,867 |
| Additional noninterest expense | $260,000 | 8,505 |
| Pre-tax net operating income | $-397,000 | 10,136 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-397,000 | 10,181 |
| Extraordinary gains, net | $-123,000 | 10,434 |
| Net income | $-520,000 | 10,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 259 |
| Net operating income | $-397,000 | 10,154 |
* 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.