Home > Bergen Commercial Bank > Income and Expense
Bergen Commercial Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,728,000 | 2,001 |
| Total interest expense | $4,809,000 | 2,276 |
| Net interest income | $11,919,000 | 1,844 |
| Provision for loan and lease losses | $355,000 | 2,496 |
| Total noninterest income | $1,677,000 | 2,504 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,253,000 | 1,397 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $424,000 | 3,676 |
| Total noninterest expense | $6,922,000 | 2,414 |
| Salaries and employee benefits | $3,948,000 | 2,316 |
| Premises and equipment expense | $876,000 | 2,658 |
| Additional noninterest expense | $2,098,000 | 2,374 |
| Pre-tax net operating income | $6,319,000 | 1,518 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,138,000 | 1,282 |
| Income before extraordinary items | $4,181,000 | 1,684 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,181,000 | 1,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,620 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,181,000 | 1,657 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,256,000 | 1,987 |
| Total interest expense | $3,454,000 | 2,245 |
| Net interest income | $8,802,000 | 1,862 |
| Provision for loan and lease losses | $200,000 | 2,952 |
| Total noninterest income | $1,278,000 | 2,468 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $937,000 | 1,383 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $341,000 | 3,571 |
| Total noninterest expense | $5,298,000 | 2,342 |
| Salaries and employee benefits | $3,044,000 | 2,243 |
| Premises and equipment expense | $652,000 | 2,665 |
| Additional noninterest expense | $1,602,000 | 2,302 |
| Pre-tax net operating income | $4,582,000 | 1,561 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,575,000 | 1,336 |
| Income before extraordinary items | $3,007,000 | 1,751 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,007,000 | 1,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,073 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,007,000 | 1,723 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,734,000 | 2,047 |
| Total interest expense | $2,150,000 | 2,274 |
| Net interest income | $5,584,000 | 1,933 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $866,000 | 2,415 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $635,000 | 1,340 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $231,000 | 3,507 |
| Total noninterest expense | $3,502,000 | 2,354 |
| Salaries and employee benefits | $2,031,000 | 2,229 |
| Premises and equipment expense | $432,000 | 2,650 |
| Additional noninterest expense | $1,039,000 | 2,345 |
| Pre-tax net operating income | $2,848,000 | 1,639 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $966,000 | 1,402 |
| Income before extraordinary items | $1,882,000 | 1,811 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,882,000 | 1,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,991 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,882,000 | 1,776 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,696,000 | 2,095 |
| Total interest expense | $987,000 | 2,361 |
| Net interest income | $2,709,000 | 1,987 |
| Provision for loan and lease losses | $40,000 | 3,596 |
| Total noninterest income | $440,000 | 2,344 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $323,000 | 1,270 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $117,000 | 3,447 |
| Total noninterest expense | $1,712,000 | 2,398 |
| Salaries and employee benefits | $1,010,000 | 2,249 |
| Premises and equipment expense | $213,000 | 2,712 |
| Additional noninterest expense | $489,000 | 2,489 |
| Pre-tax net operating income | $1,397,000 | 1,632 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $471,000 | 1,417 |
| Income before extraordinary items | $926,000 | 1,827 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $926,000 | 1,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,145 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $926,000 | 1,786 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,786,000 | 2,243 |
| Total interest expense | $3,222,000 | 2,470 |
| Net interest income | $9,564,000 | 2,130 |
| Provision for loan and lease losses | $300,000 | 2,900 |
| Total noninterest income | $1,737,000 | 2,431 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,294,000 | 1,368 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $443,000 | 3,535 |
| Total noninterest expense | $5,976,000 | 2,663 |
| Salaries and employee benefits | $3,428,000 | 2,541 |
| Premises and equipment expense | $787,000 | 2,824 |
| Additional noninterest expense | $1,761,000 | 2,709 |
| Pre-tax net operating income | $5,025,000 | 1,692 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,486,000 | 1,615 |
| Income before extraordinary items | $3,539,000 | 1,794 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,539,000 | 1,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,972 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,539,000 | 1,749 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,352,000 | 2,270 |
| Total interest expense | $2,352,000 | 2,488 |
| Net interest income | $7,000,000 | 2,166 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $1,303,000 | 2,435 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $961,000 | 1,390 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $342,000 | 3,477 |
| Total noninterest expense | $4,717,000 | 2,502 |
| Salaries and employee benefits | $2,852,000 | 2,263 |
| Premises and equipment expense | $579,000 | 2,879 |
| Additional noninterest expense | $1,286,000 | 2,732 |
| Pre-tax net operating income | $3,361,000 | 1,864 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,077,000 | 1,668 |
| Income before extraordinary items | $2,284,000 | 2,058 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,284,000 | 2,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,105 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,284,000 | 2,001 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,034,000 | 2,339 |
| Total interest expense | $1,529,000 | 2,532 |
| Net interest income | $4,505,000 | 2,220 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $874,000 | 2,433 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $648,000 | 1,370 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $226,000 | 3,513 |
| Total noninterest expense | $3,129,000 | 2,526 |
| Salaries and employee benefits | $1,900,000 | 2,272 |
| Premises and equipment expense | $379,000 | 2,925 |
| Additional noninterest expense | $850,000 | 2,769 |
| Pre-tax net operating income | $2,100,000 | 1,961 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $660,000 | 1,787 |
| Income before extraordinary items | $1,440,000 | 2,148 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,440,000 | 2,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,344 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,440,000 | 2,090 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,952,000 | 2,388 |
| Total interest expense | $727,000 | 2,667 |
| Net interest income | $2,225,000 | 2,252 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $422,000 | 2,444 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $313,000 | 1,369 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $109,000 | 3,531 |
| Total noninterest expense | $1,547,000 | 2,563 |
| Salaries and employee benefits | $953,000 | 2,290 |
| Premises and equipment expense | $182,000 | 3,056 |
| Additional noninterest expense | $412,000 | 2,828 |
| Pre-tax net operating income | $1,025,000 | 1,958 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $318,000 | 1,839 |
| Income before extraordinary items | $707,000 | 2,153 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $707,000 | 2,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $707,000 | 2,075 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,338,000 | 2,510 |
| Total interest expense | $2,823,000 | 3,023 |
| Net interest income | $8,515,000 | 2,277 |
| Provision for loan and lease losses | $275,000 | 3,362 |
| Total noninterest income | $1,901,000 | 2,400 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,307,000 | 1,323 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $594,000 | 3,279 |
| Total noninterest expense | $5,812,000 | 2,671 |
| Salaries and employee benefits | $3,431,000 | 2,456 |
| Premises and equipment expense | $726,000 | 2,992 |
| Additional noninterest expense | $1,655,000 | 2,819 |
| Pre-tax net operating income | $4,329,000 | 1,862 |
| Securities gains (losses) | $55,000 | 2,425 |
| Applicable income taxes | $1,395,000 | 1,726 |
| Income before extraordinary items | $2,989,000 | 2,052 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,989,000 | 2,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,841 |
| Cash dividends | $438,000 | 3,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,951,600 | 1,979 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,442,000 | 2,574 |
| Total interest expense | $2,163,000 | 3,075 |
| Net interest income | $6,279,000 | 2,325 |
| Provision for loan and lease losses | $200,000 | 3,330 |
| Total noninterest income | $1,399,000 | 2,472 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $944,000 | 1,382 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $455,000 | 3,306 |
| Total noninterest expense | $4,336,000 | 2,684 |
| Salaries and employee benefits | $2,546,000 | 2,480 |
| Premises and equipment expense | $554,000 | 2,954 |
| Additional noninterest expense | $1,236,000 | 2,809 |
| Pre-tax net operating income | $3,142,000 | 1,968 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $993,000 | 1,866 |
| Income before extraordinary items | $2,149,000 | 2,183 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,149,000 | 2,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,811 |
| Cash dividends | $438,000 | 2,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,149,000 | 2,074 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,633,000 | 2,591 |
| Total interest expense | $1,486,000 | 3,074 |
| Net interest income | $4,147,000 | 2,339 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $896,000 | 2,537 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $595,000 | 1,433 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $301,000 | 3,286 |
| Total noninterest expense | $2,942,000 | 2,649 |
| Salaries and employee benefits | $1,670,000 | 2,508 |
| Premises and equipment expense | $375,000 | 2,922 |
| Additional noninterest expense | $897,000 | 2,624 |
| Pre-tax net operating income | $1,951,000 | 2,086 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $601,000 | 2,040 |
| Income before extraordinary items | $1,350,000 | 2,309 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,350,000 | 2,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $438,000 | 2,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,350,000 | 2,182 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,849,000 | 2,569 |
| Total interest expense | $769,000 | 3,044 |
| Net interest income | $2,080,000 | 2,339 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $431,000 | 2,540 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $279,000 | 1,495 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $152,000 | 3,188 |
| Total noninterest expense | $1,446,000 | 2,671 |
| Salaries and employee benefits | $807,000 | 2,598 |
| Premises and equipment expense | $193,000 | 2,842 |
| Additional noninterest expense | $446,000 | 2,585 |
| Pre-tax net operating income | $990,000 | 2,063 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $304,000 | 2,033 |
| Income before extraordinary items | $686,000 | 2,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $686,000 | 2,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $438,000 | 1,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $686,000 | 2,111 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,521,000 | 2,647 |
| Total interest expense | $3,502,000 | 3,095 |
| Net interest income | $8,019,000 | 2,393 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $1,605,000 | 2,510 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,062,000 | 1,517 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $543,000 | 3,136 |
| Total noninterest expense | $5,376,000 | 2,739 |
| Salaries and employee benefits | $2,886,000 | 2,729 |
| Premises and equipment expense | $749,000 | 2,827 |
| Additional noninterest expense | $1,741,000 | 2,615 |
| Pre-tax net operating income | $3,948,000 | 2,012 |
| Securities gains (losses) | $19,000 | 3,191 |
| Applicable income taxes | $1,229,000 | 1,916 |
| Income before extraordinary items | $2,738,000 | 2,186 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,738,000 | 2,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 9,208 |
| Cash dividends | $1,137,000 | 2,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,724,890 | 2,120 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,465,000 | 2,958 |
| Total interest expense | $4,743,000 | 3,307 |
| Net interest income | $6,722,000 | 2,661 |
| Provision for loan and lease losses | $300,000 | 3,194 |
| Total noninterest income | $1,623,000 | 2,355 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,162,000 | 1,284 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $461,000 | 3,270 |
| Total noninterest expense | $5,062,000 | 2,798 |
| Salaries and employee benefits | $2,655,000 | 2,804 |
| Premises and equipment expense | $796,000 | 2,643 |
| Additional noninterest expense | $1,611,000 | 2,697 |
| Pre-tax net operating income | $2,983,000 | 2,277 |
| Securities gains (losses) | $12,000 | 3,497 |
| Applicable income taxes | $970,000 | 2,115 |
| Income before extraordinary items | $2,025,000 | 2,503 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,025,000 | 2,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,784 |
| Cash dividends | $782,000 | 2,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,016,840 | 2,426 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,658,000 | 3,229 |
| Total interest expense | $4,706,000 | 3,484 |
| Net interest income | $5,952,000 | 2,966 |
| Provision for loan and lease losses | $524,000 | 1,807 |
| Total noninterest income | $1,781,000 | 2,045 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $991,000 | 1,375 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $790,000 | 2,168 |
| Total noninterest expense | $4,844,000 | 2,798 |
| Salaries and employee benefits | $2,406,000 | 2,936 |
| Premises and equipment expense | $873,000 | 2,371 |
| Additional noninterest expense | $1,565,000 | 2,706 |
| Pre-tax net operating income | $2,365,000 | 2,902 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $769,000 | 2,585 |
| Income before extraordinary items | $1,596,000 | 3,095 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,596,000 | 3,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,148 |
| Cash dividends | $213,000 | 5,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,596,000 | 3,091 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,658,000 | 3,640 |
| Total interest expense | $3,839,000 | 3,718 |
| Net interest income | $4,819,000 | 3,566 |
| Provision for loan and lease losses | $148,000 | 4,314 |
| Total noninterest income | $1,339,000 | 2,483 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $965,000 | 1,360 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $374,000 | 3,561 |
| Total noninterest expense | $4,551,000 | 2,959 |
| Salaries and employee benefits | $2,196,000 | 3,148 |
| Premises and equipment expense | $861,000 | 2,349 |
| Additional noninterest expense | $1,494,000 | 2,876 |
| Pre-tax net operating income | $1,459,000 | 4,173 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $439,000 | 3,919 |
| Income before extraordinary items | $1,020,000 | 4,368 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,020,000 | 4,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,412 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,020,000 | 4,339 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,513,000 | 4,157 |
| Total interest expense | $3,348,000 | 4,316 |
| Net interest income | $4,165,000 | 3,991 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $968,000 | 3,160 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $869,000 | 1,443 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 6,659 |
| Total noninterest expense | $3,438,000 | 3,674 |
| Salaries and employee benefits | $1,696,000 | 3,844 |
| Premises and equipment expense | $792,000 | 2,478 |
| Additional noninterest expense | $950,000 | 4,128 |
| Pre-tax net operating income | $1,615,000 | 3,960 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $579,000 | 3,496 |
| Income before extraordinary items | $1,036,000 | 4,381 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,036,000 | 4,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $710,000 | 2,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,036,000 | 4,287 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,008,000 | 5,072 |
| Total interest expense | $2,188,000 | 5,904 |
| Net interest income | $3,820,000 | 4,402 |
| Provision for loan and lease losses | $125,000 | 4,524 |
| Total noninterest income | $798,000 | 3,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $659,000 | 1,990 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 5,896 |
| Total noninterest expense | $3,006,000 | 4,092 |
| Salaries and employee benefits | $1,424,000 | 4,438 |
| Premises and equipment expense | $599,000 | 3,160 |
| Additional noninterest expense | $983,000 | 3,973 |
| Pre-tax net operating income | $1,487,000 | 4,525 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $536,000 | 4,018 |
| Income before extraordinary items | $955,000 | 4,865 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $955,000 | 4,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $278,000 | 4,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $952,440 | 4,810 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,566,000 | 5,465 |
| Total interest expense | $1,927,000 | 6,570 |
| Net interest income | $3,639,000 | 4,670 |
| Provision for loan and lease losses | $103,000 | 5,016 |
| Total noninterest income | $761,000 | 3,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $460,000 | 2,925 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $301,000 | 4,064 |
| Total noninterest expense | $3,286,000 | 4,013 |
| Salaries and employee benefits | $1,471,000 | 4,388 |
| Premises and equipment expense | $581,000 | 3,311 |
| Additional noninterest expense | $1,234,000 | 3,700 |
| Pre-tax net operating income | $1,011,000 | 5,698 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $361,000 | 5,226 |
| Income before extraordinary items | $650,000 | 5,987 |
| Extraordinary gains, net | $162,000 | 20 |
| Net income | $812,000 | 5,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $634,000 | 2,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $650,000 | 5,931 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,701,000 | 5,435 |
| Total interest expense | $1,928,000 | 6,632 |
| Net interest income | $3,773,000 | 4,541 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $1,063,000 | 2,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $794,000 | 2,115 |
| Total noninterest expense | $3,943,000 | 3,370 |
| Salaries and employee benefits | $1,516,000 | 4,246 |
| Premises and equipment expense | $516,000 | 3,660 |
| Additional noninterest expense | $1,911,000 | 2,500 |
| Pre-tax net operating income | $843,000 | 6,671 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $304,000 | 5,951 |
| Income before extraordinary items | $539,000 | 6,971 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $539,000 | 6,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,152 |
| Cash dividends | $147,000 | 6,144 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 780 |
| Net operating income | $539,000 | 6,949 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,400,000 | 6,258 |
| Total interest expense | $1,187,000 | 7,956 |
| Net interest income | $3,213,000 | 5,303 |
| Provision for loan and lease losses | $42,000 | 6,508 |
| Total noninterest income | $458,000 | 5,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,386 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,238 |
| Total noninterest expense | $2,806,000 | 4,671 |
| Salaries and employee benefits | $1,289,000 | 4,917 |
| Premises and equipment expense | $392,000 | 4,663 |
| Additional noninterest expense | $1,125,000 | 4,287 |
| Pre-tax net operating income | $823,000 | 6,758 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $304,000 | 5,828 |
| Income before extraordinary items | $519,000 | 7,164 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $519,000 | 7,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 11,879 |
| Cash dividends | $110,000 | 6,689 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,051 |
| Net operating income | $519,000 | 7,200 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,448,000 | 7,608 |
| Total interest expense | $1,118,000 | 8,606 |
| Net interest income | $2,330,000 | 6,871 |
| Provision for loan and lease losses | $86,000 | 6,164 |
| Total noninterest income | $679,000 | 4,534 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,494 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $505,000 | 3,251 |
| Total noninterest expense | $2,169,000 | 5,933 |
| Salaries and employee benefits | $1,055,000 | 5,850 |
| Premises and equipment expense | $269,000 | 6,349 |
| Additional noninterest expense | $845,000 | 5,656 |
| Pre-tax net operating income | $754,000 | 7,073 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $288,000 | 6,233 |
| Income before extraordinary items | $466,000 | 7,830 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $466,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,463 |
| Cash dividends | $104,000 | 6,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $466,000 | 7,576 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,271,000 | 8,520 |
| Total interest expense | $1,171,000 | 9,712 |
| Net interest income | $2,100,000 | 7,495 |
| Provision for loan and lease losses | $82,000 | 7,825 |
| Total noninterest income | $385,000 | 6,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $199,000 | 6,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,920 |
| Total noninterest expense | $1,845,000 | 6,806 |
| Salaries and employee benefits | $770,000 | 7,466 |
| Premises and equipment expense | $217,000 | 7,459 |
| Additional noninterest expense | $858,000 | 5,745 |
| Pre-tax net operating income | $558,000 | 8,004 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $208,000 | 7,402 |
| Income before extraordinary items | $350,000 | 8,724 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $350,000 | 8,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-90,000 | 13,690 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $350,000 | 8,355 |
* 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.