Home > Blue Ridge Bank > Income and Expense
Blue Ridge Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,667,000 | 2,887 |
| Total interest expense | $4,825,000 | 2,389 |
| Net interest income | $4,842,000 | 3,351 |
| Provision for loan and lease losses | $63,000 | 4,799 |
| Total noninterest income | $671,000 | 3,804 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $447,000 | 2,702 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $224,000 | 4,294 |
| Total noninterest expense | $4,262,000 | 3,005 |
| Salaries and employee benefits | $2,379,000 | 2,971 |
| Premises and equipment expense | $519,000 | 3,366 |
| Additional noninterest expense | $1,364,000 | 2,776 |
| Pre-tax net operating income | $1,188,000 | 4,320 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $115,000 | 4,785 |
| Income before extraordinary items | $1,073,000 | 3,999 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,073,000 | 4,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-113,000 | 8,549 |
| Cash dividends | $767,000 | 2,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,073,000 | 3,992 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,355,000 | 2,881 |
| Total interest expense | $3,121,000 | 2,349 |
| Net interest income | $3,234,000 | 3,355 |
| Provision for loan and lease losses | $42,000 | 4,660 |
| Total noninterest income | $453,000 | 3,751 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $371,000 | 2,244 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $82,000 | 5,531 |
| Total noninterest expense | $2,851,000 | 3,009 |
| Salaries and employee benefits | $1,598,000 | 2,964 |
| Premises and equipment expense | $345,000 | 3,364 |
| Additional noninterest expense | $908,000 | 2,795 |
| Pre-tax net operating income | $794,000 | 4,341 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $81,000 | 4,767 |
| Income before extraordinary items | $713,000 | 4,020 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $713,000 | 4,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 8,468 |
| Cash dividends | $512,000 | 2,322 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $713,000 | 4,008 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 2,865 |
| Total interest expense | $1,543,000 | 2,282 |
| Net interest income | $1,597,000 | 3,362 |
| Provision for loan and lease losses | $21,000 | 4,472 |
| Total noninterest income | $236,000 | 3,613 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $137,000 | 2,792 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $99,000 | 3,720 |
| Total noninterest expense | $1,447,000 | 2,972 |
| Salaries and employee benefits | $805,000 | 2,955 |
| Premises and equipment expense | $174,000 | 3,356 |
| Additional noninterest expense | $468,000 | 2,697 |
| Pre-tax net operating income | $365,000 | 4,497 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $35,000 | 4,870 |
| Income before extraordinary items | $330,000 | 4,173 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $330,000 | 4,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $256,000 | 2,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $330,000 | 4,153 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,808,000 | 2,750 |
| Total interest expense | $5,541,000 | 2,020 |
| Net interest income | $6,267,000 | 3,310 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $949,000 | 3,684 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $582,000 | 2,724 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $367,000 | 3,925 |
| Total noninterest expense | $5,567,000 | 2,948 |
| Salaries and employee benefits | $3,135,000 | 2,863 |
| Premises and equipment expense | $670,000 | 3,352 |
| Additional noninterest expense | $1,762,000 | 2,808 |
| Pre-tax net operating income | $1,529,000 | 4,327 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $211,000 | 4,603 |
| Income before extraordinary items | $1,318,000 | 4,113 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,318,000 | 4,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,650 |
| Cash dividends | $1,023,000 | 2,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,318,000 | 4,085 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,713,000 | 2,738 |
| Total interest expense | $4,046,000 | 1,973 |
| Net interest income | $4,667,000 | 3,318 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $623,000 | 3,979 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $409,000 | 2,872 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $214,000 | 4,453 |
| Total noninterest expense | $4,087,000 | 2,964 |
| Salaries and employee benefits | $2,295,000 | 2,886 |
| Premises and equipment expense | $483,000 | 3,435 |
| Additional noninterest expense | $1,309,000 | 2,810 |
| Pre-tax net operating income | $1,068,000 | 4,611 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $138,000 | 4,895 |
| Income before extraordinary items | $930,000 | 4,377 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $930,000 | 4,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,413 |
| Cash dividends | $766,000 | 2,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $930,000 | 4,327 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,695,000 | 2,715 |
| Total interest expense | $2,581,000 | 1,935 |
| Net interest income | $3,114,000 | 3,302 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $420,000 | 3,934 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $337,000 | 2,390 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $83,000 | 5,536 |
| Total noninterest expense | $2,683,000 | 2,995 |
| Salaries and employee benefits | $1,507,000 | 2,917 |
| Premises and equipment expense | $322,000 | 3,421 |
| Additional noninterest expense | $854,000 | 2,842 |
| Pre-tax net operating income | $761,000 | 4,403 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $120,000 | 4,564 |
| Income before extraordinary items | $641,000 | 4,247 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $641,000 | 4,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 8,453 |
| Cash dividends | $511,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $641,000 | 4,194 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 2,747 |
| Total interest expense | $1,231,000 | 1,924 |
| Net interest income | $1,542,000 | 3,333 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $202,000 | 3,954 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $108,000 | 3,268 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $94,000 | 3,848 |
| Total noninterest expense | $1,320,000 | 3,052 |
| Salaries and employee benefits | $732,000 | 3,000 |
| Premises and equipment expense | $160,000 | 3,459 |
| Additional noninterest expense | $428,000 | 2,845 |
| Pre-tax net operating income | $379,000 | 4,409 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $60,000 | 4,523 |
| Income before extraordinary items | $319,000 | 4,197 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $319,000 | 4,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,985 |
| Cash dividends | $256,000 | 1,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $319,000 | 4,150 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,012,000 | 2,389 |
| Total interest expense | $5,205,000 | 1,577 |
| Net interest income | $6,807,000 | 2,968 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $1,012,000 | 3,504 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $592,000 | 2,732 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $420,000 | 3,632 |
| Total noninterest expense | $5,045,000 | 3,092 |
| Salaries and employee benefits | $2,795,000 | 3,034 |
| Premises and equipment expense | $578,000 | 3,640 |
| Additional noninterest expense | $1,672,000 | 2,845 |
| Pre-tax net operating income | $2,594,000 | 2,909 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $558,000 | 3,154 |
| Income before extraordinary items | $2,036,000 | 2,864 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,036,000 | 2,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,612 |
| Cash dividends | $1,023,000 | 2,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,036,000 | 2,804 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,198,000 | 2,311 |
| Total interest expense | $3,929,000 | 1,539 |
| Net interest income | $5,269,000 | 2,848 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $687,000 | 3,777 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $536,000 | 2,358 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $151,000 | 5,111 |
| Total noninterest expense | $3,671,000 | 3,153 |
| Salaries and employee benefits | $2,025,000 | 3,089 |
| Premises and equipment expense | $406,000 | 3,830 |
| Additional noninterest expense | $1,240,000 | 2,842 |
| Pre-tax net operating income | $2,150,000 | 2,708 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $530,000 | 2,805 |
| Income before extraordinary items | $1,620,000 | 2,772 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,620,000 | 2,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,849 |
| Cash dividends | $767,000 | 2,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,620,000 | 2,710 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,165,000 | 2,278 |
| Total interest expense | $2,637,000 | 1,502 |
| Net interest income | $3,528,000 | 2,826 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $461,000 | 3,761 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $286,000 | 2,822 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $175,000 | 4,019 |
| Total noninterest expense | $2,349,000 | 3,289 |
| Salaries and employee benefits | $1,336,000 | 3,145 |
| Premises and equipment expense | $266,000 | 3,883 |
| Additional noninterest expense | $747,000 | 3,131 |
| Pre-tax net operating income | $1,550,000 | 2,517 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $395,000 | 2,591 |
| Income before extraordinary items | $1,155,000 | 2,609 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,155,000 | 2,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,586 |
| Cash dividends | $511,000 | 2,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,155,000 | 2,540 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,117,000 | 2,251 |
| Total interest expense | $1,339,000 | 1,491 |
| Net interest income | $1,778,000 | 2,800 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $236,000 | 3,649 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $129,000 | 2,993 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $107,000 | 3,564 |
| Total noninterest expense | $1,169,000 | 3,295 |
| Salaries and employee benefits | $660,000 | 3,191 |
| Premises and equipment expense | $134,000 | 3,902 |
| Additional noninterest expense | $375,000 | 3,085 |
| Pre-tax net operating income | $800,000 | 2,431 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $200,000 | 2,580 |
| Income before extraordinary items | $600,000 | 2,493 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $600,000 | 2,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $256,000 | 1,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $600,000 | 2,415 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,567,000 | 1,948 |
| Total interest expense | $6,290,000 | 1,411 |
| Net interest income | $8,277,000 | 2,353 |
| Provision for loan and lease losses | $1,127,000 | 1,054 |
| Total noninterest income | $983,000 | 3,763 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $621,000 | 2,632 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $362,000 | 4,157 |
| Total noninterest expense | $4,531,000 | 3,327 |
| Salaries and employee benefits | $2,474,000 | 3,292 |
| Premises and equipment expense | $511,000 | 3,999 |
| Additional noninterest expense | $1,546,000 | 2,996 |
| Pre-tax net operating income | $3,602,000 | 2,162 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,049,000 | 2,114 |
| Income before extraordinary items | $2,553,000 | 2,328 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,553,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $499,000 | 1,606 |
| Cash dividends | $512,000 | 3,465 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,553,000 | 2,224 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,110,000 | 1,942 |
| Total interest expense | $4,888,000 | 1,426 |
| Net interest income | $6,222,000 | 2,348 |
| Provision for loan and lease losses | $1,082,000 | 832 |
| Total noninterest income | $715,000 | 3,892 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $463,000 | 2,653 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $252,000 | 4,363 |
| Total noninterest expense | $3,326,000 | 3,381 |
| Salaries and employee benefits | $1,764,000 | 3,419 |
| Premises and equipment expense | $380,000 | 4,014 |
| Additional noninterest expense | $1,182,000 | 2,916 |
| Pre-tax net operating income | $2,529,000 | 2,362 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $735,000 | 2,322 |
| Income before extraordinary items | $1,794,000 | 2,576 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,794,000 | 2,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,572 |
| Cash dividends | $256,000 | 3,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,794,000 | 2,447 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,570,000 | 1,920 |
| Total interest expense | $3,356,000 | 1,438 |
| Net interest income | $4,214,000 | 2,300 |
| Provision for loan and lease losses | $1,006,000 | 637 |
| Total noninterest income | $472,000 | 3,868 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $296,000 | 2,681 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $176,000 | 4,274 |
| Total noninterest expense | $2,204,000 | 3,393 |
| Salaries and employee benefits | $1,156,000 | 3,470 |
| Premises and equipment expense | $258,000 | 3,953 |
| Additional noninterest expense | $790,000 | 2,897 |
| Pre-tax net operating income | $1,476,000 | 2,634 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $735,000 | 1,744 |
| Income before extraordinary items | $741,000 | 3,702 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $741,000 | 3,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,852 |
| Cash dividends | $171,000 | 3,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $741,000 | 3,504 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,860,000 | 1,906 |
| Total interest expense | $1,725,000 | 1,434 |
| Net interest income | $2,135,000 | 2,279 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $244,000 | 3,688 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $138,000 | 2,749 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $106,000 | 3,823 |
| Total noninterest expense | $1,113,000 | 3,358 |
| Salaries and employee benefits | $580,000 | 3,461 |
| Premises and equipment expense | $134,000 | 3,837 |
| Additional noninterest expense | $399,000 | 2,873 |
| Pre-tax net operating income | $1,221,000 | 1,721 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $380,000 | 1,701 |
| Income before extraordinary items | $841,000 | 1,883 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $841,000 | 1,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,410 |
| Cash dividends | $85,000 | 3,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $841,000 | 1,777 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,309,000 | 1,786 |
| Total interest expense | $8,358,000 | 1,352 |
| Net interest income | $8,951,000 | 2,167 |
| Provision for loan and lease losses | $360,000 | 3,054 |
| Total noninterest income | $908,000 | 3,686 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $648,000 | 2,416 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $260,000 | 4,555 |
| Total noninterest expense | $4,641,000 | 3,134 |
| Salaries and employee benefits | $2,484,000 | 3,138 |
| Premises and equipment expense | $570,000 | 3,566 |
| Additional noninterest expense | $1,587,000 | 2,832 |
| Pre-tax net operating income | $4,858,000 | 1,673 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,558,000 | 1,597 |
| Income before extraordinary items | $3,300,000 | 1,818 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,300,000 | 1,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,544 |
| Cash dividends | $326,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $-10,000 | 9,210 |
| Net operating income | $3,300,000 | 1,754 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,459,000 | 1,958 |
| Total interest expense | $11,680,000 | 1,390 |
| Net interest income | $5,779,000 | 3,039 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $770,000 | 3,952 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $602,000 | 2,426 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $168,000 | 5,289 |
| Total noninterest expense | $4,351,000 | 3,177 |
| Salaries and employee benefits | $2,386,000 | 3,074 |
| Premises and equipment expense | $480,000 | 4,030 |
| Additional noninterest expense | $1,485,000 | 2,898 |
| Pre-tax net operating income | $2,078,000 | 3,092 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $598,000 | 2,976 |
| Income before extraordinary items | $1,480,000 | 3,253 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,480,000 | 3,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,589 |
| Cash dividends | $295,000 | 4,433 |
| Sale, conversion, retirement of capital stock, net | $-10,000 | 9,450 |
| Net operating income | $1,480,000 | 3,150 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,182,000 | 2,308 |
| Total interest expense | $9,439,000 | 1,827 |
| Net interest income | $5,743,000 | 3,071 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $671,000 | 4,113 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $509,000 | 2,654 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $162,000 | 5,291 |
| Total noninterest expense | $3,757,000 | 3,499 |
| Salaries and employee benefits | $2,077,000 | 3,358 |
| Premises and equipment expense | $439,000 | 4,204 |
| Additional noninterest expense | $1,241,000 | 3,321 |
| Pre-tax net operating income | $2,537,000 | 2,732 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $762,000 | 2,603 |
| Income before extraordinary items | $1,775,000 | 2,828 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,775,000 | 2,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,272 |
| Cash dividends | $269,000 | 4,687 |
| Sale, conversion, retirement of capital stock, net | $-11,000 | 9,739 |
| Net operating income | $1,775,000 | 2,825 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,243,000 | 2,475 |
| Total interest expense | $7,929,000 | 1,894 |
| Net interest income | $5,314,000 | 3,271 |
| Provision for loan and lease losses | $168,000 | 4,004 |
| Total noninterest income | $801,000 | 3,615 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $482,000 | 2,718 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $319,000 | 3,887 |
| Total noninterest expense | $3,553,000 | 3,665 |
| Salaries and employee benefits | $1,913,000 | 3,582 |
| Premises and equipment expense | $423,000 | 4,338 |
| Additional noninterest expense | $1,217,000 | 3,387 |
| Pre-tax net operating income | $2,394,000 | 2,893 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $719,000 | 2,857 |
| Income before extraordinary items | $1,675,000 | 2,970 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,675,000 | 2,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,236 |
| Cash dividends | $256,000 | 4,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,675,000 | 2,937 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,731,000 | 3,016 |
| Total interest expense | $6,331,000 | 2,379 |
| Net interest income | $4,400,000 | 3,808 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $488,000 | 5,010 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $356,000 | 3,459 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $132,000 | 5,980 |
| Total noninterest expense | $2,853,000 | 4,311 |
| Salaries and employee benefits | $1,498,000 | 4,239 |
| Premises and equipment expense | $330,000 | 5,081 |
| Additional noninterest expense | $1,025,000 | 3,877 |
| Pre-tax net operating income | $1,939,000 | 3,419 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $618,000 | 3,329 |
| Income before extraordinary items | $1,321,000 | 3,631 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,321,000 | 3,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,524 |
| Cash dividends | $243,000 | 5,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,321,000 | 3,537 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,544,000 | 3,739 |
| Total interest expense | $4,755,000 | 3,127 |
| Net interest income | $3,789,000 | 4,428 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $427,000 | 5,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,368 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,614 |
| Total noninterest expense | $2,075,000 | 5,514 |
| Salaries and employee benefits | $1,063,000 | 5,623 |
| Premises and equipment expense | $207,000 | 6,730 |
| Additional noninterest expense | $805,000 | 4,704 |
| Pre-tax net operating income | $2,031,000 | 3,483 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $675,000 | 3,339 |
| Income before extraordinary items | $1,356,000 | 3,666 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,356,000 | 3,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,018 |
| Cash dividends | $234,000 | 5,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,356,000 | 3,594 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,469,000 | 4,300 |
| Total interest expense | $3,982,000 | 3,725 |
| Net interest income | $3,487,000 | 4,839 |
| Provision for loan and lease losses | $75,000 | 5,702 |
| Total noninterest income | $457,000 | 5,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $198,000 | 5,190 |
| Total noninterest expense | $1,797,000 | 6,397 |
| Salaries and employee benefits | $883,000 | 6,542 |
| Premises and equipment expense | $172,000 | 7,586 |
| Additional noninterest expense | $742,000 | 5,501 |
| Pre-tax net operating income | $2,072,000 | 3,322 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $683,000 | 3,234 |
| Income before extraordinary items | $1,389,000 | 3,430 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,389,000 | 3,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $204,000 | 5,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,389,000 | 3,384 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,820,000 | 4,667 |
| Total interest expense | $3,713,000 | 3,947 |
| Net interest income | $3,107,000 | 5,351 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $384,000 | 6,139 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,381 |
| Total noninterest expense | $1,782,000 | 6,509 |
| Salaries and employee benefits | $845,000 | 6,852 |
| Premises and equipment expense | $172,000 | 7,765 |
| Additional noninterest expense | $765,000 | 5,443 |
| Pre-tax net operating income | $1,637,000 | 4,145 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $535,000 | 3,982 |
| Income before extraordinary items | $1,102,000 | 4,241 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,102,000 | 4,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $125,000 | 6,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,102,000 | 4,226 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,522,000 | 5,222 |
| Total interest expense | $2,869,000 | 4,124 |
| Net interest income | $2,653,000 | 6,169 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $386,000 | 6,272 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,984 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,618 |
| Total noninterest expense | $1,756,000 | 6,816 |
| Salaries and employee benefits | $777,000 | 7,334 |
| Premises and equipment expense | $168,000 | 8,131 |
| Additional noninterest expense | $811,000 | 5,635 |
| Pre-tax net operating income | $1,211,000 | 5,205 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $387,000 | 4,876 |
| Income before extraordinary items | $824,000 | 5,251 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $824,000 | 5,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,444 |
| Cash dividends | $106,000 | 6,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $824,000 | 5,303 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,007,000 | 5,779 |
| Total interest expense | $2,811,000 | 4,355 |
| Net interest income | $2,196,000 | 7,198 |
| Provision for loan and lease losses | $79,000 | 6,364 |
| Total noninterest income | $374,000 | 6,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,866 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 7,642 |
| Total noninterest expense | $1,656,000 | 7,338 |
| Salaries and employee benefits | $763,000 | 7,553 |
| Premises and equipment expense | $162,000 | 8,585 |
| Additional noninterest expense | $731,000 | 6,357 |
| Pre-tax net operating income | $835,000 | 6,644 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $285,000 | 6,264 |
| Income before extraordinary items | $578,000 | 6,947 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $578,000 | 7,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 7,224 |
| Cash dividends | $106,000 | 6,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $559,240 | 6,822 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,267,000 | 6,121 |
| Total interest expense | $3,164,000 | 4,935 |
| Net interest income | $2,103,000 | 7,487 |
| Provision for loan and lease losses | $257,000 | 4,518 |
| Total noninterest income | $391,000 | 6,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,573 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 8,026 |
| Total noninterest expense | $1,636,000 | 7,448 |
| Salaries and employee benefits | $740,000 | 7,684 |
| Premises and equipment expense | $165,000 | 8,699 |
| Additional noninterest expense | $731,000 | 6,544 |
| Pre-tax net operating income | $601,000 | 7,710 |
| Securities gains (losses) | $306,000 | 1,522 |
| Applicable income taxes | $288,000 | 6,101 |
| Income before extraordinary items | $619,000 | 6,443 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $619,000 | 6,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 8,793 |
| Cash dividends | $106,000 | 6,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $410,920 | 7,757 |
* 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.