Home > Bedford Federal Savings Bank > Income and Expense
Bedford Federal Savings Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,447,000 | 2,118 |
| Total interest expense | $1,797,000 | 1,999 |
| Net interest income | $2,650,000 | 2,204 |
| Provision for loan and lease losses | $78,000 | 2,364 |
| Total noninterest income | $311,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $178,000 | 2,245 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $133,000 | 3,200 |
| Total noninterest expense | $1,499,000 | 2,874 |
| Salaries and employee benefits | $340,000 | 5,531 |
| Premises and equipment expense | $145,000 | 3,885 |
| Additional noninterest expense | $1,014,000 | 1,302 |
| Pre-tax net operating income | $1,384,000 | 1,747 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $485,000 | 1,433 |
| Income before extraordinary items | $899,000 | 1,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $899,000 | 1,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $899,000 | 1,956 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,419,000 | 2,159 |
| Total interest expense | $5,729,000 | 1,965 |
| Net interest income | $9,690,000 | 2,287 |
| Provision for loan and lease losses | $5,000 | 6,973 |
| Total noninterest income | $1,991,000 | 2,220 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $787,000 | 2,135 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,204,000 | 1,962 |
| Total noninterest expense | $5,469,000 | 2,995 |
| Salaries and employee benefits | $1,288,000 | 5,558 |
| Premises and equipment expense | $560,000 | 3,858 |
| Additional noninterest expense | $3,621,000 | 1,415 |
| Pre-tax net operating income | $6,207,000 | 1,538 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,174,000 | 1,267 |
| Income before extraordinary items | $4,033,000 | 1,732 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,033,000 | 1,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,038 |
| Cash dividends | $2,862,000 | 1,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,033,000 | 1,705 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,351,000 | 2,143 |
| Total interest expense | $4,264,000 | 1,869 |
| Net interest income | $7,087,000 | 2,318 |
| Provision for loan and lease losses | $212,000 | 2,861 |
| Total noninterest income | $1,679,000 | 2,026 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $575,000 | 2,187 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,104,000 | 1,691 |
| Total noninterest expense | $4,110,000 | 2,944 |
| Salaries and employee benefits | $953,000 | 5,585 |
| Premises and equipment expense | $409,000 | 3,910 |
| Additional noninterest expense | $2,748,000 | 1,382 |
| Pre-tax net operating income | $4,444,000 | 1,612 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,557,000 | 1,343 |
| Income before extraordinary items | $2,887,000 | 1,810 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,887,000 | 1,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,700 |
| Cash dividends | $862,000 | 2,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,887,000 | 1,779 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,439,000 | 2,122 |
| Total interest expense | $2,712,000 | 1,849 |
| Net interest income | $4,727,000 | 2,298 |
| Provision for loan and lease losses | $358,000 | 1,313 |
| Total noninterest income | $1,363,000 | 1,734 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $367,000 | 2,224 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $996,000 | 1,354 |
| Total noninterest expense | $2,769,000 | 2,916 |
| Salaries and employee benefits | $646,000 | 5,504 |
| Premises and equipment expense | $261,000 | 4,016 |
| Additional noninterest expense | $1,862,000 | 1,339 |
| Pre-tax net operating income | $2,963,000 | 1,569 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,122,000 | 1,235 |
| Income before extraordinary items | $1,841,000 | 1,857 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,841,000 | 1,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $861,000 | 1,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,841,000 | 1,819 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,634,000 | 2,130 |
| Total interest expense | $1,290,000 | 1,839 |
| Net interest income | $2,344,000 | 2,289 |
| Provision for loan and lease losses | $114,000 | 1,861 |
| Total noninterest income | $1,078,000 | 1,181 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $164,000 | 2,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $914,000 | 847 |
| Total noninterest expense | $1,385,000 | 2,908 |
| Salaries and employee benefits | $325,000 | 5,539 |
| Premises and equipment expense | $130,000 | 4,075 |
| Additional noninterest expense | $930,000 | 1,333 |
| Pre-tax net operating income | $1,923,000 | 1,195 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $715,000 | 989 |
| Income before extraordinary items | $1,208,000 | 1,405 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,208,000 | 1,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,991 |
| Cash dividends | $417,000 | 1,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,208,000 | 1,378 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,534,000 | 2,115 |
| Total interest expense | $4,120,000 | 1,979 |
| Net interest income | $9,414,000 | 2,165 |
| Provision for loan and lease losses | $450,000 | 2,142 |
| Total noninterest income | $1,222,000 | 3,087 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $710,000 | 2,345 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $512,000 | 3,267 |
| Total noninterest expense | $4,964,000 | 3,140 |
| Salaries and employee benefits | $1,764,000 | 4,404 |
| Premises and equipment expense | $618,000 | 3,452 |
| Additional noninterest expense | $2,582,000 | 1,882 |
| Pre-tax net operating income | $5,222,000 | 1,631 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,240,000 | 1,150 |
| Income before extraordinary items | $2,982,000 | 2,086 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,982,000 | 2,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,010 |
| Cash dividends | $6,740,000 | 477 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,982,000 | 2,045 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,984,000 | 2,133 |
| Total interest expense | $2,935,000 | 2,038 |
| Net interest income | $7,049,000 | 2,146 |
| Provision for loan and lease losses | $300,000 | 2,260 |
| Total noninterest income | $983,000 | 2,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $983,000 | 1,787 |
| Total noninterest expense | $3,770,000 | 3,065 |
| Salaries and employee benefits | $1,340,000 | 4,325 |
| Premises and equipment expense | $463,000 | 3,467 |
| Additional noninterest expense | $1,967,000 | 1,824 |
| Pre-tax net operating income | $3,962,000 | 1,626 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,697,000 | 1,159 |
| Income before extraordinary items | $2,265,000 | 2,073 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,265,000 | 2,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,285 |
| Cash dividends | $1,322,000 | 1,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,265,000 | 2,015 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,639,000 | 2,105 |
| Total interest expense | $1,850,000 | 2,133 |
| Net interest income | $4,789,000 | 2,094 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $535,000 | 3,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $535,000 | 2,090 |
| Total noninterest expense | $2,537,000 | 3,044 |
| Salaries and employee benefits | $903,000 | 4,304 |
| Premises and equipment expense | $282,000 | 3,727 |
| Additional noninterest expense | $1,352,000 | 1,766 |
| Pre-tax net operating income | $2,637,000 | 1,593 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,130,000 | 1,158 |
| Income before extraordinary items | $1,507,000 | 2,063 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,507,000 | 2,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,788 |
| Cash dividends | $884,000 | 1,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,507,000 | 2,008 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,328,000 | 2,102 |
| Total interest expense | $889,000 | 2,227 |
| Net interest income | $2,439,000 | 2,051 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $259,000 | 3,433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $259,000 | 2,077 |
| Total noninterest expense | $1,310,000 | 2,964 |
| Salaries and employee benefits | $474,000 | 4,177 |
| Premises and equipment expense | $127,000 | 4,055 |
| Additional noninterest expense | $709,000 | 1,678 |
| Pre-tax net operating income | $1,238,000 | 1,674 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $533,000 | 1,240 |
| Income before extraordinary items | $705,000 | 2,161 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $705,000 | 2,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,575 |
| Cash dividends | $450,000 | 1,320 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $705,000 | 2,083 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,680,000 | 1,933 |
| Total interest expense | $5,235,000 | 1,716 |
| Net interest income | $9,445,000 | 2,070 |
| Provision for loan and lease losses | $414,000 | 2,526 |
| Total noninterest income | $1,465,000 | 2,895 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,465,000 | 1,854 |
| Total noninterest expense | $7,570,000 | 2,081 |
| Salaries and employee benefits | $4,955,000 | 1,732 |
| Premises and equipment expense | $1,418,000 | 1,607 |
| Additional noninterest expense | $1,197,000 | 3,731 |
| Pre-tax net operating income | $2,926,000 | 2,562 |
| Securities gains (losses) | $-24,000 | 8,888 |
| Applicable income taxes | $1,447,000 | 1,669 |
| Income before extraordinary items | $1,455,000 | 3,639 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,455,000 | 3,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,681 |
| Cash dividends | $456,000 | 3,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,470,360 | 3,452 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,296,000 | 1,918 |
| Total interest expense | $4,369,000 | 1,604 |
| Net interest income | $6,927,000 | 2,124 |
| Provision for loan and lease losses | $264,000 | 2,775 |
| Total noninterest income | $1,123,000 | 2,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,123,000 | 1,893 |
| Total noninterest expense | $6,331,000 | 1,878 |
| Salaries and employee benefits | $4,426,000 | 1,467 |
| Premises and equipment expense | $1,036,000 | 1,655 |
| Additional noninterest expense | $869,000 | 3,808 |
| Pre-tax net operating income | $1,455,000 | 3,577 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $845,000 | 2,127 |
| Income before extraordinary items | $610,000 | 5,352 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $610,000 | 5,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,505 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $610,000 | 5,171 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,716,000 | 1,893 |
| Total interest expense | $3,291,000 | 1,464 |
| Net interest income | $4,425,000 | 2,199 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $778,000 | 2,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $778,000 | 1,823 |
| Total noninterest expense | $2,492,000 | 3,057 |
| Salaries and employee benefits | $1,481,000 | 2,810 |
| Premises and equipment expense | $726,000 | 1,576 |
| Additional noninterest expense | $285,000 | 6,137 |
| Pre-tax net operating income | $2,561,000 | 1,639 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $972,000 | 1,403 |
| Income before extraordinary items | $1,589,000 | 1,999 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,589,000 | 1,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,655 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,589,000 | 1,891 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,905,000 | 1,883 |
| Total interest expense | $1,688,000 | 1,468 |
| Net interest income | $2,217,000 | 2,194 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $390,000 | 2,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $390,000 | 1,771 |
| Total noninterest expense | $1,209,000 | 3,121 |
| Salaries and employee benefits | $729,000 | 2,855 |
| Premises and equipment expense | $346,000 | 1,660 |
| Additional noninterest expense | $134,000 | 6,334 |
| Pre-tax net operating income | $1,323,000 | 1,590 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $502,000 | 1,373 |
| Income before extraordinary items | $821,000 | 1,927 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $821,000 | 1,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,410 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $821,000 | 1,820 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,090,000 | 1,912 |
| Total interest expense | $7,692,000 | 1,471 |
| Net interest income | $8,398,000 | 2,309 |
| Provision for loan and lease losses | $325,000 | 3,273 |
| Total noninterest income | $1,413,000 | 2,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,413,000 | 1,726 |
| Total noninterest expense | $4,630,000 | 3,144 |
| Salaries and employee benefits | $2,663,000 | 2,962 |
| Premises and equipment expense | $1,390,000 | 1,594 |
| Additional noninterest expense | $577,000 | 6,074 |
| Pre-tax net operating income | $4,856,000 | 1,674 |
| Securities gains (losses) | $29,000 | 2,860 |
| Applicable income taxes | $1,832,000 | 1,389 |
| Income before extraordinary items | $3,053,000 | 1,964 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,053,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,297 |
| Cash dividends | $2,500,000 | 1,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,034,440 | 1,916 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,440,000 | 2,216 |
| Total interest expense | $8,261,000 | 1,963 |
| Net interest income | $7,179,000 | 2,489 |
| Provision for loan and lease losses | $165,000 | 4,586 |
| Total noninterest income | $1,177,000 | 2,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,177,000 | 1,824 |
| Total noninterest expense | $4,169,000 | 3,307 |
| Salaries and employee benefits | $2,339,000 | 3,132 |
| Premises and equipment expense | $1,215,000 | 1,780 |
| Additional noninterest expense | $615,000 | 5,744 |
| Pre-tax net operating income | $4,022,000 | 1,772 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $1,527,000 | 1,473 |
| Income before extraordinary items | $2,498,000 | 2,092 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,498,000 | 2,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,729 |
| Cash dividends | $2,500,000 | 1,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,496,080 | 2,022 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,909,000 | 2,498 |
| Total interest expense | $7,533,000 | 2,255 |
| Net interest income | $6,376,000 | 2,788 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $955,000 | 3,236 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $955,000 | 1,915 |
| Total noninterest expense | $3,520,000 | 3,687 |
| Salaries and employee benefits | $2,006,000 | 3,452 |
| Premises and equipment expense | $987,000 | 2,087 |
| Additional noninterest expense | $527,000 | 6,225 |
| Pre-tax net operating income | $3,691,000 | 1,981 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,400,000 | 1,599 |
| Income before extraordinary items | $2,291,000 | 2,257 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,291,000 | 2,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,807 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,291,000 | 2,262 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,334,000 | 2,642 |
| Total interest expense | $6,181,000 | 2,375 |
| Net interest income | $6,153,000 | 2,857 |
| Provision for loan and lease losses | $97,000 | 5,320 |
| Total noninterest income | $765,000 | 3,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $765,000 | 2,225 |
| Total noninterest expense | $3,317,000 | 3,881 |
| Salaries and employee benefits | $1,937,000 | 3,545 |
| Premises and equipment expense | $1,033,000 | 1,984 |
| Additional noninterest expense | $347,000 | 7,723 |
| Pre-tax net operating income | $3,504,000 | 2,089 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,342,000 | 1,741 |
| Income before extraordinary items | $2,162,000 | 2,410 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,162,000 | 2,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,984 |
| Cash dividends | $2,307,000 | 1,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,162,000 | 2,380 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,825,000 | 2,740 |
| Total interest expense | $6,135,000 | 2,476 |
| Net interest income | $5,690,000 | 3,026 |
| Provision for loan and lease losses | $83,000 | 5,519 |
| Total noninterest income | $705,000 | 3,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $705,000 | 2,375 |
| Total noninterest expense | $3,095,000 | 4,007 |
| Salaries and employee benefits | $1,782,000 | 3,699 |
| Premises and equipment expense | $990,000 | 1,983 |
| Additional noninterest expense | $323,000 | 7,907 |
| Pre-tax net operating income | $3,217,000 | 2,226 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,193,000 | 2,001 |
| Income before extraordinary items | $2,024,000 | 2,520 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,024,000 | 2,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,124 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,024,000 | 2,442 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,610,000 | 3,052 |
| Total interest expense | $5,468,000 | 2,737 |
| Net interest income | $5,142,000 | 3,398 |
| Provision for loan and lease losses | $105,000 | 5,052 |
| Total noninterest income | $475,000 | 5,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $475,000 | 2,935 |
| Total noninterest expense | $3,084,000 | 4,011 |
| Salaries and employee benefits | $1,751,000 | 3,733 |
| Premises and equipment expense | $924,000 | 2,132 |
| Additional noninterest expense | $409,000 | 7,266 |
| Pre-tax net operating income | $2,428,000 | 2,985 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $927,000 | 2,592 |
| Income before extraordinary items | $1,513,000 | 3,330 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,513,000 | 3,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,456 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,505,320 | 3,268 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,695,000 | 3,370 |
| Total interest expense | $4,927,000 | 3,045 |
| Net interest income | $4,768,000 | 3,704 |
| Provision for loan and lease losses | $47,000 | 6,760 |
| Total noninterest income | $488,000 | 5,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $488,000 | 2,976 |
| Total noninterest expense | $3,422,000 | 3,856 |
| Salaries and employee benefits | $1,510,000 | 4,277 |
| Premises and equipment expense | $909,000 | 2,190 |
| Additional noninterest expense | $1,003,000 | 4,395 |
| Pre-tax net operating income | $1,787,000 | 3,753 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $650,000 | 3,362 |
| Income before extraordinary items | $1,137,000 | 4,048 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,137,000 | 4,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,137,000 | 3,993 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,707,000 | 3,729 |
| Total interest expense | $4,461,000 | 3,332 |
| Net interest income | $4,246,000 | 4,105 |
| Provision for loan and lease losses | $22,000 | 7,572 |
| Total noninterest income | $393,000 | 6,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $393,000 | 3,342 |
| Total noninterest expense | $2,707,000 | 4,671 |
| Salaries and employee benefits | $1,475,000 | 4,350 |
| Premises and equipment expense | $843,000 | 2,368 |
| Additional noninterest expense | $389,000 | 8,297 |
| Pre-tax net operating income | $1,910,000 | 3,647 |
| Securities gains (losses) | $-7,000 | 9,876 |
| Applicable income taxes | $723,000 | 3,152 |
| Income before extraordinary items | $1,180,000 | 4,016 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,180,000 | 4,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,184,480 | 3,984 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,442,000 | 3,991 |
| Total interest expense | $3,543,000 | 3,414 |
| Net interest income | $3,899,000 | 4,488 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $318,000 | 7,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $318,000 | 3,929 |
| Total noninterest expense | $2,321,000 | 5,503 |
| Salaries and employee benefits | $1,224,000 | 5,159 |
| Premises and equipment expense | $722,000 | 2,756 |
| Additional noninterest expense | $375,000 | 9,083 |
| Pre-tax net operating income | $1,891,000 | 3,598 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $622,000 | 3,403 |
| Income before extraordinary items | $1,269,000 | 3,665 |
| Extraordinary gains, net | $323,000 | 47 |
| Net income | $1,592,000 | 3,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $5,970,000 | 151 |
| Net operating income | $1,269,000 | 3,706 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,178,000 | 4,218 |
| Total interest expense | $3,641,000 | 3,446 |
| Net interest income | $3,537,000 | 4,911 |
| Provision for loan and lease losses | $196,000 | 3,972 |
| Total noninterest income | $297,000 | 7,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $297,000 | 4,494 |
| Total noninterest expense | $2,145,000 | 5,992 |
| Salaries and employee benefits | $1,074,000 | 5,771 |
| Premises and equipment expense | $710,000 | 2,838 |
| Additional noninterest expense | $361,000 | 9,718 |
| Pre-tax net operating income | $1,493,000 | 4,337 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $638,000 | 3,401 |
| Income before extraordinary items | $855,000 | 5,286 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $855,000 | 5,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $855,000 | 5,070 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,888,000 | 4,341 |
| Total interest expense | $4,502,000 | 3,647 |
| Net interest income | $3,386,000 | 5,159 |
| Provision for loan and lease losses | $246,000 | 4,634 |
| Total noninterest income | $295,000 | 7,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $295,000 | 4,481 |
| Total noninterest expense | $2,081,000 | 6,181 |
| Salaries and employee benefits | $1,031,000 | 5,868 |
| Premises and equipment expense | $687,000 | 2,969 |
| Additional noninterest expense | $363,000 | 10,037 |
| Pre-tax net operating income | $1,354,000 | 4,460 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $592,000 | 3,469 |
| Income before extraordinary items | $763,000 | 5,560 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $763,000 | 5,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 2,739 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $762,360 | 5,224 |
* 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.