Home > Central National Bank > Income and Expense
Central National Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,743,000 | 4,828 |
| Total interest expense | $2,244,000 | 4,238 |
| Net interest income | $2,499,000 | 5,263 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $273,000 | 5,822 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $166,000 | 4,817 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $107,000 | 5,724 |
| Total noninterest expense | $2,040,000 | 5,207 |
| Salaries and employee benefits | $1,058,000 | 5,371 |
| Premises and equipment expense | $327,000 | 4,662 |
| Additional noninterest expense | $655,000 | 4,939 |
| Pre-tax net operating income | $687,000 | 5,578 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $185,000 | 4,225 |
| Income before extraordinary items | $502,000 | 5,754 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $502,000 | 5,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,389 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $502,000 | 5,752 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,145,000 | 4,805 |
| Total interest expense | $1,412,000 | 4,266 |
| Net interest income | $1,733,000 | 5,150 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $175,000 | 5,920 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $97,000 | 5,082 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $78,000 | 5,602 |
| Total noninterest expense | $1,363,000 | 5,205 |
| Salaries and employee benefits | $705,000 | 5,401 |
| Premises and equipment expense | $217,000 | 4,682 |
| Additional noninterest expense | $441,000 | 4,890 |
| Pre-tax net operating income | $515,000 | 5,344 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $144,000 | 4,064 |
| Income before extraordinary items | $371,000 | 5,555 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $371,000 | 5,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,345 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $371,000 | 5,554 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,518,000 | 4,864 |
| Total interest expense | $658,000 | 4,332 |
| Net interest income | $860,000 | 5,182 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $88,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $40,000 | 5,407 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,189 |
| Total noninterest expense | $675,000 | 5,240 |
| Salaries and employee benefits | $353,000 | 5,415 |
| Premises and equipment expense | $107,000 | 4,746 |
| Additional noninterest expense | $215,000 | 4,957 |
| Pre-tax net operating income | $258,000 | 5,309 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $72,000 | 4,009 |
| Income before extraordinary items | $186,000 | 5,496 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $186,000 | 5,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,032 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $186,000 | 5,493 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,476,000 | 4,853 |
| Total interest expense | $2,155,000 | 4,223 |
| Net interest income | $3,321,000 | 5,170 |
| Provision for loan and lease losses | $84,000 | 5,073 |
| Total noninterest income | $423,000 | 5,603 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $225,000 | 4,795 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $198,000 | 5,184 |
| Total noninterest expense | $2,612,000 | 5,226 |
| Salaries and employee benefits | $1,429,000 | 5,210 |
| Premises and equipment expense | $428,000 | 4,646 |
| Additional noninterest expense | $755,000 | 5,355 |
| Pre-tax net operating income | $1,048,000 | 5,228 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $317,000 | 4,062 |
| Income before extraordinary items | $731,000 | 5,569 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $731,000 | 5,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,163 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $731,000 | 5,538 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,022,000 | 4,904 |
| Total interest expense | $1,548,000 | 4,201 |
| Net interest income | $2,474,000 | 5,204 |
| Provision for loan and lease losses | $63,000 | 4,907 |
| Total noninterest income | $282,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $173,000 | 4,778 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $109,000 | 5,804 |
| Total noninterest expense | $1,921,000 | 5,274 |
| Salaries and employee benefits | $1,048,000 | 5,269 |
| Premises and equipment expense | $325,000 | 4,580 |
| Additional noninterest expense | $548,000 | 5,425 |
| Pre-tax net operating income | $772,000 | 5,414 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $241,000 | 4,143 |
| Income before extraordinary items | $531,000 | 5,760 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $531,000 | 5,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,434 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $531,000 | 5,727 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,639,000 | 4,891 |
| Total interest expense | $997,000 | 4,146 |
| Net interest income | $1,642,000 | 5,219 |
| Provision for loan and lease losses | $42,000 | 4,804 |
| Total noninterest income | $190,000 | 5,852 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $151,000 | 4,136 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $39,000 | 6,823 |
| Total noninterest expense | $1,272,000 | 5,276 |
| Salaries and employee benefits | $696,000 | 5,264 |
| Premises and equipment expense | $216,000 | 4,551 |
| Additional noninterest expense | $360,000 | 5,435 |
| Pre-tax net operating income | $518,000 | 5,398 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $159,000 | 4,161 |
| Income before extraordinary items | $359,000 | 5,717 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $359,000 | 5,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $359,000 | 5,675 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,318,000 | 4,880 |
| Total interest expense | $479,000 | 4,140 |
| Net interest income | $839,000 | 5,191 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $93,000 | 5,850 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $73,000 | 4,143 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,849 |
| Total noninterest expense | $631,000 | 5,346 |
| Salaries and employee benefits | $347,000 | 5,324 |
| Premises and equipment expense | $106,000 | 4,677 |
| Additional noninterest expense | $178,000 | 5,446 |
| Pre-tax net operating income | $280,000 | 5,171 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $85,000 | 4,031 |
| Income before extraordinary items | $195,000 | 5,486 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $195,000 | 5,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,138 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $195,000 | 5,448 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,456,000 | 4,567 |
| Total interest expense | $2,033,000 | 3,596 |
| Net interest income | $3,423,000 | 4,979 |
| Provision for loan and lease losses | $84,000 | 5,272 |
| Total noninterest income | $459,000 | 5,480 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $339,000 | 4,020 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $120,000 | 6,103 |
| Total noninterest expense | $2,501,000 | 5,307 |
| Salaries and employee benefits | $1,366,000 | 5,268 |
| Premises and equipment expense | $401,000 | 4,755 |
| Additional noninterest expense | $734,000 | 5,365 |
| Pre-tax net operating income | $1,297,000 | 4,594 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $354,000 | 3,916 |
| Income before extraordinary items | $943,000 | 4,847 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $943,000 | 4,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,355 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $943,000 | 4,779 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,172,000 | 4,481 |
| Total interest expense | $1,562,000 | 3,490 |
| Net interest income | $2,610,000 | 4,908 |
| Provision for loan and lease losses | $63,000 | 5,070 |
| Total noninterest income | $291,000 | 5,887 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $225,000 | 4,347 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 6,636 |
| Total noninterest expense | $1,845,000 | 5,329 |
| Salaries and employee benefits | $1,005,000 | 5,302 |
| Premises and equipment expense | $299,000 | 4,760 |
| Additional noninterest expense | $541,000 | 5,396 |
| Pre-tax net operating income | $993,000 | 4,627 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $255,000 | 4,045 |
| Income before extraordinary items | $738,000 | 4,822 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $738,000 | 4,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,696 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $738,000 | 4,736 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,862,000 | 4,382 |
| Total interest expense | $1,065,000 | 3,412 |
| Net interest income | $1,797,000 | 4,813 |
| Provision for loan and lease losses | $42,000 | 4,959 |
| Total noninterest income | $195,000 | 5,874 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $151,000 | 4,319 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $44,000 | 6,668 |
| Total noninterest expense | $1,227,000 | 5,360 |
| Salaries and employee benefits | $666,000 | 5,362 |
| Premises and equipment expense | $201,000 | 4,744 |
| Additional noninterest expense | $360,000 | 5,426 |
| Pre-tax net operating income | $723,000 | 4,377 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $180,000 | 3,964 |
| Income before extraordinary items | $543,000 | 4,511 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $543,000 | 4,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $543,000 | 4,429 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,408,000 | 4,469 |
| Total interest expense | $536,000 | 3,428 |
| Net interest income | $872,000 | 4,903 |
| Provision for loan and lease losses | $21,000 | 4,750 |
| Total noninterest income | $98,000 | 5,820 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $76,000 | 4,234 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $610,000 | 5,396 |
| Salaries and employee benefits | $330,000 | 5,406 |
| Premises and equipment expense | $101,000 | 4,760 |
| Additional noninterest expense | $179,000 | 5,453 |
| Pre-tax net operating income | $339,000 | 4,520 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $80,000 | 4,142 |
| Income before extraordinary items | $259,000 | 4,652 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $259,000 | 4,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $259,000 | 4,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,690,000 | 3,963 |
| Total interest expense | $2,458,000 | 3,375 |
| Net interest income | $4,232,000 | 4,184 |
| Provision for loan and lease losses | $513,000 | 2,123 |
| Total noninterest income | $430,000 | 5,805 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $330,000 | 4,088 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $100,000 | 6,539 |
| Total noninterest expense | $2,299,000 | 5,528 |
| Salaries and employee benefits | $1,201,000 | 5,639 |
| Premises and equipment expense | $381,000 | 4,910 |
| Additional noninterest expense | $717,000 | 5,426 |
| Pre-tax net operating income | $1,850,000 | 3,569 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $538,000 | 3,257 |
| Income before extraordinary items | $1,312,000 | 3,889 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,312,000 | 3,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,047 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-11,000 | 9,068 |
| Net operating income | $1,312,000 | 3,724 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,080,000 | 3,982 |
| Total interest expense | $1,947,000 | 3,355 |
| Net interest income | $3,133,000 | 4,253 |
| Provision for loan and lease losses | $492,000 | 1,691 |
| Total noninterest income | $311,000 | 5,945 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $248,000 | 4,112 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $63,000 | 6,866 |
| Total noninterest expense | $1,696,000 | 5,544 |
| Salaries and employee benefits | $858,000 | 5,764 |
| Premises and equipment expense | $289,000 | 4,843 |
| Additional noninterest expense | $549,000 | 5,331 |
| Pre-tax net operating income | $1,256,000 | 3,951 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $365,000 | 3,561 |
| Income before extraordinary items | $891,000 | 4,319 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $891,000 | 4,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,994 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $891,000 | 4,155 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,465,000 | 3,933 |
| Total interest expense | $1,353,000 | 3,336 |
| Net interest income | $2,112,000 | 4,225 |
| Provision for loan and lease losses | $457,000 | 1,240 |
| Total noninterest income | $211,000 | 5,877 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $168,000 | 4,039 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $43,000 | 6,830 |
| Total noninterest expense | $1,112,000 | 5,607 |
| Salaries and employee benefits | $556,000 | 5,866 |
| Premises and equipment expense | $190,000 | 4,871 |
| Additional noninterest expense | $366,000 | 5,323 |
| Pre-tax net operating income | $754,000 | 4,221 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $360,000 | 2,908 |
| Income before extraordinary items | $394,000 | 5,451 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $394,000 | 5,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,655 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $394,000 | 5,241 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,695,000 | 4,030 |
| Total interest expense | $708,000 | 3,292 |
| Net interest income | $987,000 | 4,442 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $106,000 | 5,763 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $84,000 | 3,965 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $22,000 | 6,771 |
| Total noninterest expense | $553,000 | 5,615 |
| Salaries and employee benefits | $275,000 | 5,912 |
| Premises and equipment expense | $93,000 | 4,937 |
| Additional noninterest expense | $185,000 | 5,250 |
| Pre-tax net operating income | $519,000 | 3,406 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $155,000 | 3,169 |
| Income before extraordinary items | $364,000 | 3,701 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $364,000 | 3,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $364,000 | 3,525 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,929,000 | 4,082 |
| Total interest expense | $3,351,000 | 3,224 |
| Net interest income | $3,578,000 | 4,694 |
| Provision for loan and lease losses | $84,000 | 5,998 |
| Total noninterest income | $414,000 | 5,692 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $329,000 | 4,026 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $85,000 | 6,773 |
| Total noninterest expense | $2,168,000 | 5,589 |
| Salaries and employee benefits | $1,094,000 | 5,827 |
| Premises and equipment expense | $338,000 | 5,198 |
| Additional noninterest expense | $736,000 | 5,229 |
| Pre-tax net operating income | $1,740,000 | 3,743 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $544,000 | 3,295 |
| Income before extraordinary items | $1,196,000 | 4,099 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,196,000 | 4,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,985 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-12,000 | 9,212 |
| Net operating income | $1,196,000 | 3,986 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,684,000 | 4,576 |
| Total interest expense | $4,084,000 | 3,730 |
| Net interest income | $2,600,000 | 5,581 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $314,000 | 6,295 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $276,000 | 4,380 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $38,000 | 8,088 |
| Total noninterest expense | $1,782,000 | 6,169 |
| Salaries and employee benefits | $879,000 | 6,459 |
| Premises and equipment expense | $320,000 | 5,321 |
| Additional noninterest expense | $583,000 | 5,948 |
| Pre-tax net operating income | $1,072,000 | 4,715 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $328,000 | 4,101 |
| Income before extraordinary items | $744,000 | 5,072 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $744,000 | 5,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-11,000 | 9,452 |
| Net operating income | $744,000 | 4,961 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,742,000 | 5,236 |
| Total interest expense | $3,642,000 | 4,272 |
| Net interest income | $2,100,000 | 6,421 |
| Provision for loan and lease losses | $48,000 | 6,621 |
| Total noninterest income | $234,000 | 6,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 5,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 7,528 |
| Total noninterest expense | $1,638,000 | 6,395 |
| Salaries and employee benefits | $804,000 | 6,712 |
| Premises and equipment expense | $315,000 | 5,278 |
| Additional noninterest expense | $519,000 | 6,284 |
| Pre-tax net operating income | $648,000 | 6,416 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $216,000 | 5,251 |
| Income before extraordinary items | $432,000 | 6,670 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $432,000 | 6,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-12,000 | 9,741 |
| Net operating income | $432,000 | 6,682 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,875,000 | 6,477 |
| Total interest expense | $2,168,000 | 5,700 |
| Net interest income | $1,707,000 | 7,184 |
| Provision for loan and lease losses | $42,000 | 6,798 |
| Total noninterest income | $161,000 | 7,964 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,343 |
| Total noninterest expense | $1,099,000 | 7,846 |
| Salaries and employee benefits | $526,000 | 8,182 |
| Premises and equipment expense | $201,000 | 6,799 |
| Additional noninterest expense | $372,000 | 7,522 |
| Pre-tax net operating income | $727,000 | 6,218 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $245,000 | 5,264 |
| Income before extraordinary items | $482,000 | 6,536 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $482,000 | 6,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $482,000 | 6,518 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,750,000 | 6,705 |
| Total interest expense | $2,182,000 | 5,867 |
| Net interest income | $1,568,000 | 7,539 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $106,000 | 8,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,196 |
| Total noninterest expense | $831,000 | 8,667 |
| Salaries and employee benefits | $356,000 | 9,253 |
| Premises and equipment expense | $154,000 | 7,558 |
| Additional noninterest expense | $321,000 | 7,924 |
| Pre-tax net operating income | $783,000 | 6,154 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $265,000 | 5,500 |
| Income before extraordinary items | $518,000 | 6,498 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $518,000 | 6,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,386 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $518,000 | 6,383 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,878,000 | 7,914 |
| Total interest expense | $1,740,000 | 6,803 |
| Net interest income | $1,138,000 | 8,842 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $80,000 | 9,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 8,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,956 |
| Total noninterest expense | $723,000 | 9,321 |
| Salaries and employee benefits | $353,000 | 9,574 |
| Premises and equipment expense | $115,000 | 8,614 |
| Additional noninterest expense | $255,000 | 8,788 |
| Pre-tax net operating income | $395,000 | 8,470 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $134,000 | 7,847 |
| Income before extraordinary items | $261,000 | 8,665 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $261,000 | 8,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,643 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $261,000 | 8,628 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,001,000 | 10,814 |
| Total interest expense | $553,000 | 10,430 |
| Net interest income | $448,000 | 10,998 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $24,000 | 11,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 9,595 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,207 |
| Total noninterest expense | $259,000 | 11,299 |
| Salaries and employee benefits | $125,000 | 11,305 |
| Premises and equipment expense | $45,000 | 10,780 |
| Additional noninterest expense | $89,000 | 11,172 |
| Pre-tax net operating income | $201,000 | 9,785 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $68,000 | 9,357 |
| Income before extraordinary items | $133,000 | 9,947 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $133,000 | 9,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $133,000 | 9,894 |
* 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.