Home > Centra Bank-Smithfield > Income and Expense
Centra Bank-Smithfield, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,899,000 | 4,609 |
| Total interest expense | $2,711,000 | 4,582 |
| Net interest income | $4,188,000 | 4,534 |
| Provision for loan and lease losses | $5,000 | 6,719 |
| Total noninterest income | $419,000 | 5,504 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $233,000 | 4,662 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $186,000 | 5,252 |
| Total noninterest expense | $3,046,000 | 4,832 |
| Salaries and employee benefits | $1,327,000 | 5,588 |
| Premises and equipment expense | $290,000 | 5,825 |
| Additional noninterest expense | $1,429,000 | 3,420 |
| Pre-tax net operating income | $1,556,000 | 4,212 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $633,000 | 2,811 |
| Income before extraordinary items | $923,000 | 4,880 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $923,000 | 4,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-80,000 | 8,454 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,153 |
| Net operating income | $923,000 | 4,877 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,387,000 | 5,831 |
| Total interest expense | $1,587,000 | 5,191 |
| Net interest income | $1,800,000 | 6,193 |
| Provision for loan and lease losses | $5,000 | 6,530 |
| Total noninterest income | $223,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $119,000 | 5,490 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $104,000 | 5,775 |
| Total noninterest expense | $1,210,000 | 6,724 |
| Salaries and employee benefits | $603,000 | 6,927 |
| Premises and equipment expense | $136,000 | 6,944 |
| Additional noninterest expense | $471,000 | 5,941 |
| Pre-tax net operating income | $808,000 | 5,209 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $271,000 | 3,721 |
| Income before extraordinary items | $537,000 | 5,613 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $537,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 8,334 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 957 |
| Net operating income | $537,000 | 5,607 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,681,000 | 3,169 |
| Total interest expense | $2,997,000 | 2,441 |
| Net interest income | $2,684,000 | 3,851 |
| Provision for loan and lease losses | $1,030,000 | 502 |
| Total noninterest income | $455,000 | 3,741 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $231,000 | 3,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $224,000 | 3,521 |
| Total noninterest expense | $3,572,000 | 2,473 |
| Salaries and employee benefits | $1,199,000 | 3,747 |
| Premises and equipment expense | $314,000 | 3,631 |
| Additional noninterest expense | $2,059,000 | 1,304 |
| Pre-tax net operating income | $-1,463,000 | 8,732 |
| Securities gains (losses) | $-25,000 | 8,157 |
| Applicable income taxes | $-585,000 | 8,755 |
| Income before extraordinary items | $-903,000 | 8,684 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-903,000 | 8,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-127,000 | 8,612 |
| Cash dividends | $90,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-887,000 | 8,674 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,833,000 | 3,124 |
| Total interest expense | $1,473,000 | 2,366 |
| Net interest income | $1,360,000 | 3,820 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $225,000 | 3,715 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $111,000 | 3,255 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $114,000 | 3,464 |
| Total noninterest expense | $1,369,000 | 3,117 |
| Salaries and employee benefits | $603,000 | 3,753 |
| Premises and equipment expense | $153,000 | 3,731 |
| Additional noninterest expense | $613,000 | 2,116 |
| Pre-tax net operating income | $201,000 | 5,834 |
| Securities gains (losses) | $-25,000 | 8,424 |
| Applicable income taxes | $28,000 | 5,092 |
| Income before extraordinary items | $148,000 | 5,994 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $148,000 | 5,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-66,000 | 8,563 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $169,000 | 5,692 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,267,000 | 2,661 |
| Total interest expense | $6,502,000 | 1,750 |
| Net interest income | $5,765,000 | 3,542 |
| Provision for loan and lease losses | $85,000 | 5,057 |
| Total noninterest income | $761,000 | 4,166 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $448,000 | 3,293 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $313,000 | 4,248 |
| Total noninterest expense | $5,689,000 | 2,889 |
| Salaries and employee benefits | $2,557,000 | 3,415 |
| Premises and equipment expense | $560,000 | 3,858 |
| Additional noninterest expense | $2,572,000 | 1,964 |
| Pre-tax net operating income | $752,000 | 6,006 |
| Securities gains (losses) | $95,000 | 720 |
| Applicable income taxes | $120,000 | 5,213 |
| Income before extraordinary items | $727,000 | 5,585 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $727,000 | 5,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,030 |
| Cash dividends | $180,000 | 5,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $645,300 | 5,806 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,409,000 | 2,560 |
| Total interest expense | $4,988,000 | 1,611 |
| Net interest income | $4,421,000 | 3,464 |
| Provision for loan and lease losses | $70,000 | 4,797 |
| Total noninterest income | $551,000 | 4,264 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $323,000 | 3,392 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $228,000 | 4,316 |
| Total noninterest expense | $4,367,000 | 2,802 |
| Salaries and employee benefits | $1,887,000 | 3,441 |
| Premises and equipment expense | $412,000 | 3,888 |
| Additional noninterest expense | $2,068,000 | 1,809 |
| Pre-tax net operating income | $535,000 | 6,263 |
| Securities gains (losses) | $95,000 | 680 |
| Applicable income taxes | $81,000 | 5,423 |
| Income before extraordinary items | $549,000 | 5,677 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $549,000 | 5,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,280 |
| Cash dividends | $90,000 | 4,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $466,350 | 6,013 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,489,000 | 2,424 |
| Total interest expense | $3,427,000 | 1,467 |
| Net interest income | $3,062,000 | 3,347 |
| Provision for loan and lease losses | $55,000 | 4,424 |
| Total noninterest income | $320,000 | 4,627 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $191,000 | 3,608 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $129,000 | 4,634 |
| Total noninterest expense | $2,903,000 | 2,789 |
| Salaries and employee benefits | $1,236,000 | 3,474 |
| Premises and equipment expense | $270,000 | 3,918 |
| Additional noninterest expense | $1,397,000 | 1,770 |
| Pre-tax net operating income | $424,000 | 5,835 |
| Securities gains (losses) | $183,000 | 423 |
| Applicable income taxes | $80,000 | 5,075 |
| Income before extraordinary items | $527,000 | 4,759 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $527,000 | 4,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,718 |
| Cash dividends | $90,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $367,790 | 5,624 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,363,000 | 2,297 |
| Total interest expense | $1,786,000 | 1,339 |
| Net interest income | $1,577,000 | 3,269 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $151,000 | 4,696 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $87,000 | 3,754 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,644 |
| Total noninterest expense | $1,545,000 | 2,634 |
| Salaries and employee benefits | $664,000 | 3,263 |
| Premises and equipment expense | $141,000 | 3,820 |
| Additional noninterest expense | $740,000 | 1,662 |
| Pre-tax net operating income | $153,000 | 6,518 |
| Securities gains (losses) | $174,000 | 274 |
| Applicable income taxes | $24,000 | 5,498 |
| Income before extraordinary items | $303,000 | 4,352 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $303,000 | 4,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,376 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $141,180 | 6,186 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,394,000 | 1,658 |
| Total interest expense | $8,838,000 | 919 |
| Net interest income | $8,556,000 | 2,390 |
| Provision for loan and lease losses | $480,000 | 2,016 |
| Total noninterest income | $458,000 | 5,487 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $426,000 | 3,493 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $32,000 | 7,915 |
| Total noninterest expense | $5,063,000 | 3,079 |
| Salaries and employee benefits | $2,219,000 | 3,668 |
| Premises and equipment expense | $530,000 | 3,909 |
| Additional noninterest expense | $2,314,000 | 2,104 |
| Pre-tax net operating income | $3,471,000 | 2,282 |
| Securities gains (losses) | $-1,544,000 | 8,913 |
| Applicable income taxes | $550,000 | 3,176 |
| Income before extraordinary items | $1,377,000 | 3,840 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,377,000 | 3,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,688 |
| Cash dividends | $180,000 | 4,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,473,240 | 2,389 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,742,000 | 1,554 |
| Total interest expense | $6,845,000 | 860 |
| Net interest income | $6,897,000 | 2,193 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $351,000 | 5,458 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $324,000 | 3,480 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 7,817 |
| Total noninterest expense | $3,559,000 | 3,257 |
| Salaries and employee benefits | $1,521,000 | 3,909 |
| Premises and equipment expense | $403,000 | 3,853 |
| Additional noninterest expense | $1,635,000 | 2,214 |
| Pre-tax net operating income | $3,329,000 | 1,886 |
| Securities gains (losses) | $-1,608,000 | 8,989 |
| Applicable income taxes | $645,000 | 2,450 |
| Income before extraordinary items | $1,076,000 | 3,836 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,076,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,500 |
| Cash dividends | $90,000 | 4,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,105,120 | 2,166 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,708,000 | 1,461 |
| Total interest expense | $4,654,000 | 833 |
| Net interest income | $5,054,000 | 1,971 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $229,000 | 5,505 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $215,000 | 3,478 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,000 | 8,074 |
| Total noninterest expense | $2,481,000 | 3,120 |
| Salaries and employee benefits | $1,035,000 | 3,870 |
| Premises and equipment expense | $280,000 | 3,753 |
| Additional noninterest expense | $1,166,000 | 2,071 |
| Pre-tax net operating income | $2,562,000 | 1,649 |
| Securities gains (losses) | $-226,000 | 9,011 |
| Applicable income taxes | $698,000 | 1,715 |
| Income before extraordinary items | $1,638,000 | 1,916 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,638,000 | 1,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,456 |
| Cash dividends | $90,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,796,200 | 1,712 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,953,000 | 1,417 |
| Total interest expense | $2,375,000 | 842 |
| Net interest income | $2,578,000 | 1,933 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $84,000 | 6,172 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $100,000 | 3,583 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-16,000 | 9,093 |
| Total noninterest expense | $1,159,000 | 3,320 |
| Salaries and employee benefits | $460,000 | 4,274 |
| Premises and equipment expense | $137,000 | 3,844 |
| Additional noninterest expense | $562,000 | 2,106 |
| Pre-tax net operating income | $1,383,000 | 1,503 |
| Securities gains (losses) | $229,000 | 454 |
| Applicable income taxes | $511,000 | 1,273 |
| Income before extraordinary items | $1,101,000 | 1,461 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,101,000 | 1,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $945,280 | 1,587 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,401,000 | 1,405 |
| Total interest expense | $11,437,000 | 770 |
| Net interest income | $8,964,000 | 2,161 |
| Provision for loan and lease losses | $2,768,000 | 513 |
| Total noninterest income | $495,000 | 5,468 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $464,000 | 3,296 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $31,000 | 8,089 |
| Total noninterest expense | $4,429,000 | 3,390 |
| Salaries and employee benefits | $2,076,000 | 3,808 |
| Premises and equipment expense | $595,000 | 3,549 |
| Additional noninterest expense | $1,758,000 | 2,690 |
| Pre-tax net operating income | $2,262,000 | 3,105 |
| Securities gains (losses) | $989,000 | 485 |
| Applicable income taxes | $1,017,000 | 2,159 |
| Income before extraordinary items | $2,234,000 | 2,626 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,234,000 | 2,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,039,000 | 545 |
| Cash dividends | $180,000 | 5,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,551,590 | 3,312 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,273,000 | 1,432 |
| Total interest expense | $9,072,000 | 757 |
| Net interest income | $6,201,000 | 2,360 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $367,000 | 5,531 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $347,000 | 3,297 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,000 | 8,256 |
| Total noninterest expense | $3,196,000 | 3,509 |
| Salaries and employee benefits | $1,420,000 | 4,101 |
| Premises and equipment expense | $434,000 | 3,620 |
| Additional noninterest expense | $1,342,000 | 2,633 |
| Pre-tax net operating income | $2,922,000 | 2,087 |
| Securities gains (losses) | $752,000 | 534 |
| Applicable income taxes | $1,108,000 | 1,703 |
| Income before extraordinary items | $2,566,000 | 1,877 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,566,000 | 1,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $461,000 | 1,249 |
| Cash dividends | $90,000 | 4,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,039,600 | 2,175 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,132,000 | 1,453 |
| Total interest expense | $6,562,000 | 727 |
| Net interest income | $3,570,000 | 2,721 |
| Provision for loan and lease losses | $250,000 | 2,117 |
| Total noninterest income | $243,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $229,000 | 3,286 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $2,178,000 | 3,431 |
| Salaries and employee benefits | $982,000 | 3,977 |
| Premises and equipment expense | $287,000 | 3,631 |
| Additional noninterest expense | $909,000 | 2,599 |
| Pre-tax net operating income | $1,385,000 | 2,768 |
| Securities gains (losses) | $389,000 | 680 |
| Applicable income taxes | $487,000 | 2,354 |
| Income before extraordinary items | $1,287,000 | 2,412 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,287,000 | 2,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 1,410 |
| Cash dividends | $90,000 | 4,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,003,030 | 2,817 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,689,000 | 1,582 |
| Total interest expense | $3,090,000 | 791 |
| Net interest income | $1,599,000 | 2,990 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $122,000 | 5,426 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 3,304 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $1,123,000 | 3,332 |
| Salaries and employee benefits | $461,000 | 4,157 |
| Premises and equipment expense | $147,000 | 3,538 |
| Additional noninterest expense | $515,000 | 2,273 |
| Pre-tax net operating income | $598,000 | 3,085 |
| Securities gains (losses) | $89,000 | 1,062 |
| Applicable income taxes | $187,000 | 2,815 |
| Income before extraordinary items | $500,000 | 2,945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $500,000 | 2,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 1,431 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $435,030 | 3,096 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,961,000 | 1,927 |
| Total interest expense | $9,884,000 | 1,139 |
| Net interest income | $6,077,000 | 3,109 |
| Provision for loan and lease losses | $250,000 | 3,856 |
| Total noninterest income | $490,000 | 5,276 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $412,000 | 3,465 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,931 |
| Total noninterest expense | $3,946,000 | 3,599 |
| Salaries and employee benefits | $1,906,000 | 3,899 |
| Premises and equipment expense | $516,000 | 3,849 |
| Additional noninterest expense | $1,524,000 | 2,925 |
| Pre-tax net operating income | $2,371,000 | 3,003 |
| Securities gains (losses) | $-122,000 | 9,149 |
| Applicable income taxes | $695,000 | 2,859 |
| Income before extraordinary items | $1,554,000 | 3,409 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,554,000 | 3,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,671 |
| Cash dividends | $180,000 | 5,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,638,180 | 3,176 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,075,000 | 2,611 |
| Total interest expense | $8,368,000 | 1,936 |
| Net interest income | $4,707,000 | 3,615 |
| Provision for loan and lease losses | $519,000 | 2,139 |
| Total noninterest income | $520,000 | 4,965 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $380,000 | 3,548 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $140,000 | 5,673 |
| Total noninterest expense | $3,158,000 | 4,165 |
| Salaries and employee benefits | $1,571,000 | 4,353 |
| Premises and equipment expense | $370,000 | 4,847 |
| Additional noninterest expense | $1,217,000 | 3,451 |
| Pre-tax net operating income | $1,550,000 | 3,766 |
| Securities gains (losses) | $79,000 | 1,951 |
| Applicable income taxes | $427,000 | 3,607 |
| Income before extraordinary items | $1,202,000 | 3,805 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,202,000 | 3,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 1,584 |
| Cash dividends | $180,000 | 5,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,143,540 | 3,793 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,616,000 | 2,765 |
| Total interest expense | $8,088,000 | 2,125 |
| Net interest income | $4,528,000 | 3,774 |
| Provision for loan and lease losses | $350,000 | 2,565 |
| Total noninterest income | $446,000 | 5,216 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $391,000 | 3,304 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $55,000 | 7,624 |
| Total noninterest expense | $3,021,000 | 4,203 |
| Salaries and employee benefits | $1,502,000 | 4,354 |
| Premises and equipment expense | $242,000 | 6,158 |
| Additional noninterest expense | $1,277,000 | 3,230 |
| Pre-tax net operating income | $1,603,000 | 3,882 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $433,000 | 3,818 |
| Income before extraordinary items | $1,170,000 | 3,933 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,170,000 | 3,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,755 |
| Cash dividends | $180,000 | 5,278 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,170,000 | 3,919 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,332,000 | 2,847 |
| Total interest expense | $6,951,000 | 2,132 |
| Net interest income | $4,381,000 | 3,869 |
| Provision for loan and lease losses | $350,000 | 2,350 |
| Total noninterest income | $361,000 | 5,914 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $309,000 | 3,905 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $2,541,000 | 4,823 |
| Salaries and employee benefits | $1,220,000 | 5,103 |
| Premises and equipment expense | $191,000 | 6,951 |
| Additional noninterest expense | $1,130,000 | 3,636 |
| Pre-tax net operating income | $1,851,000 | 3,536 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $526,000 | 3,525 |
| Income before extraordinary items | $1,331,000 | 3,572 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,331,000 | 3,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,979 |
| Cash dividends | $180,000 | 5,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,326,680 | 3,544 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,499,000 | 3,077 |
| Total interest expense | $6,431,000 | 2,338 |
| Net interest income | $4,068,000 | 4,061 |
| Provision for loan and lease losses | $200,000 | 3,499 |
| Total noninterest income | $249,000 | 7,019 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $189,000 | 5,298 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $60,000 | 7,800 |
| Total noninterest expense | $2,314,000 | 5,039 |
| Salaries and employee benefits | $1,143,000 | 5,254 |
| Premises and equipment expense | $145,000 | 7,766 |
| Additional noninterest expense | $1,026,000 | 3,873 |
| Pre-tax net operating income | $1,803,000 | 3,628 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $495,000 | 3,862 |
| Income before extraordinary items | $1,316,000 | 3,644 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,316,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,314 |
| Cash dividends | $180,000 | 5,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,310,160 | 3,569 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,976,000 | 3,240 |
| Total interest expense | $6,190,000 | 2,427 |
| Net interest income | $3,786,000 | 4,431 |
| Provision for loan and lease losses | $175,000 | 3,795 |
| Total noninterest income | $229,000 | 7,475 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $163,000 | 5,934 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $66,000 | 7,824 |
| Total noninterest expense | $2,193,000 | 5,304 |
| Salaries and employee benefits | $1,051,000 | 5,676 |
| Premises and equipment expense | $161,000 | 7,570 |
| Additional noninterest expense | $981,000 | 3,978 |
| Pre-tax net operating income | $1,647,000 | 4,139 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $426,000 | 4,691 |
| Income before extraordinary items | $1,224,000 | 3,985 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,224,000 | 3,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,528 |
| Cash dividends | $144,000 | 5,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,221,780 | 3,916 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,705,000 | 3,367 |
| Total interest expense | $5,939,000 | 2,574 |
| Net interest income | $3,766,000 | 4,545 |
| Provision for loan and lease losses | $250,000 | 2,928 |
| Total noninterest income | $219,000 | 7,974 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $149,000 | 6,483 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $70,000 | 8,080 |
| Total noninterest expense | $2,052,000 | 5,841 |
| Salaries and employee benefits | $966,000 | 6,145 |
| Premises and equipment expense | $182,000 | 7,382 |
| Additional noninterest expense | $904,000 | 4,731 |
| Pre-tax net operating income | $1,683,000 | 3,970 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $437,000 | 4,603 |
| Income before extraordinary items | $1,244,000 | 3,762 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,244,000 | 3,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,906 |
| Cash dividends | $72,000 | 7,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,245,480 | 3,709 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,833,000 | 3,678 |
| Total interest expense | $5,553,000 | 2,762 |
| Net interest income | $3,280,000 | 5,128 |
| Provision for loan and lease losses | $85,000 | 4,951 |
| Total noninterest income | $208,000 | 8,310 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $138,000 | 6,920 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $70,000 | 8,356 |
| Total noninterest expense | $2,080,000 | 5,806 |
| Salaries and employee benefits | $905,000 | 6,533 |
| Premises and equipment expense | $169,000 | 7,842 |
| Additional noninterest expense | $1,015,000 | 4,299 |
| Pre-tax net operating income | $1,314,000 | 4,919 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $358,000 | 5,348 |
| Income before extraordinary items | $955,000 | 4,773 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $955,000 | 4,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,529 |
| Cash dividends | $68,000 | 7,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $955,730 | 4,762 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,258,000 | 3,629 |
| Total interest expense | $4,581,000 | 2,667 |
| Net interest income | $3,677,000 | 4,723 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $181,000 | 9,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,828 |
| Total noninterest expense | $2,044,000 | 6,089 |
| Salaries and employee benefits | $806,000 | 7,173 |
| Premises and equipment expense | $149,000 | 8,576 |
| Additional noninterest expense | $1,089,000 | 4,392 |
| Pre-tax net operating income | $1,739,000 | 3,878 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $529,000 | 3,892 |
| Income before extraordinary items | $1,216,000 | 3,804 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,216,000 | 3,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,975 |
| Cash dividends | $43,000 | 8,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,211,800 | 3,846 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,190,000 | 4,212 |
| Total interest expense | $4,057,000 | 3,133 |
| Net interest income | $3,133,000 | 5,472 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $157,000 | 10,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 8,183 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,096 |
| Total noninterest expense | $1,709,000 | 7,164 |
| Salaries and employee benefits | $692,000 | 8,055 |
| Premises and equipment expense | $128,000 | 9,539 |
| Additional noninterest expense | $889,000 | 5,422 |
| Pre-tax net operating income | $1,501,000 | 4,322 |
| Securities gains (losses) | $35,000 | 3,910 |
| Applicable income taxes | $477,000 | 4,356 |
| Income before extraordinary items | $1,059,000 | 4,465 |
| Extraordinary gains, net | $26,000 | 2,568 |
| Net income | $1,085,000 | 4,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $43,000 | 8,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,034,850 | 4,326 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,010,000 | 5,484 |
| Total interest expense | $3,267,000 | 4,821 |
| Net interest income | $2,743,000 | 6,134 |
| Provision for loan and lease losses | $150,000 | 6,067 |
| Total noninterest income | $136,000 | 10,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,722 |
| Total noninterest expense | $1,476,000 | 8,006 |
| Salaries and employee benefits | $586,000 | 8,934 |
| Premises and equipment expense | $169,000 | 8,579 |
| Additional noninterest expense | $721,000 | 6,614 |
| Pre-tax net operating income | $1,253,000 | 4,744 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $391,000 | 4,882 |
| Income before extraordinary items | $866,000 | 5,058 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $866,000 | 5,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 5,373 |
| Cash dividends | $43,000 | 7,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $863,240 | 4,765 |
* 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.