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Community Bank, Income and Expense

2001-12-31 (YTD Data)Rank
Total interest income$3,582,0006,699
Total interest expense$1,641,0006,705
Net interest income$1,941,0006,521
Provision for loan and lease losses$74,0006,121
Total noninterest income$347,0006,044
Gross Fiduciary activities income$01,731
Service charges on deposit accounts$229,0004,841
Trading account gains and fees$0177
Additional Noninterest Income$118,0006,034
Total noninterest expense$1,839,0006,053
Salaries and employee benefits$982,0006,051
Premises and equipment expense$165,0007,288
Additional noninterest expense$692,0005,339
Pre-tax net operating income$375,0007,081
Securities gains (losses)$04,612
Applicable income taxes$183,0005,175
Income before extraordinary items$192,0007,797
Extraordinary gains, net$0105
Net income$192,0007,800
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$176,0003,091
Cash dividends$180,0005,124
Sale, conversion, retirement of capital stock, net$0922
Net operating income$192,0007,679
2000-12-31 (YTD Data)Rank
Total interest income$4,236,0006,296
Total interest expense$2,113,0006,112
Net interest income$2,123,0006,389
Provision for loan and lease losses$242,0003,309
Total noninterest income$218,0007,088
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$179,0005,372
Trading account gains and feesNANA
Additional Noninterest Income$39,0008,200
Total noninterest expense$1,917,0005,828
Salaries and employee benefits$1,001,0005,913
Premises and equipment expense$167,0007,292
Additional noninterest expense$749,0004,942
Pre-tax net operating income$182,0008,435
Securities gains (losses)$30,000843
Applicable income taxes$88,0006,675
Income before extraordinary items$124,0008,567
Extraordinary gains, net$038
Net income$124,0008,566
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$182,0002,555
Cash dividends$50,0006,383
Sale, conversion, retirement of capital stock, net$0969
Net operating income$104,8008,668
1999-12-31 (YTD Data)Rank
Total interest income$353,00010,047
Total interest expense$171,0009,970
Net interest income$182,00010,077
Provision for loan and lease losses$6,0008,268
Total noninterest income$19,0009,970
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$18,0008,532
Trading account gains and feesNANA
Additional Noninterest Income$1,00010,109
Total noninterest expense$170,00010,171
Salaries and employee benefits$78,00010,167
Premises and equipment expense$16,00010,113
Additional noninterest expense$76,00010,070
Pre-tax net operating income$25,0009,317
Securities gains (losses)$03,155
Applicable income taxes$6,0008,581
Income before extraordinary items$19,0009,373
Extraordinary gains, net$035
Net income$19,0009,367
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$20,0006,102
Cash dividends$07,131
Sale, conversion, retirement of capital stock, net$01,035
Net operating income$19,0009,341
1998-12-31 (YTD Data)Rank
Total interest income$4,092,0006,409
Total interest expense$1,890,0006,372
Net interest income$2,202,0006,284
Provision for loan and lease losses$72,0005,801
Total noninterest income$229,0007,223
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$173,0005,536
Trading account gains and feesNANA
Additional Noninterest Income$56,0007,951
Total noninterest expense$1,600,0006,429
Salaries and employee benefits$912,0006,154
Premises and equipment expense$198,0006,740
Additional noninterest expense$490,0006,510
Pre-tax net operating income$759,0006,261
Securities gains (losses)$15,0002,661
Applicable income taxes$271,0005,443
Income before extraordinary items$503,0006,595
Extraordinary gains, net$032
Net income$503,0006,594
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$36,0005,498
Cash dividends$155,0005,737
Sale, conversion, retirement of capital stock, net$01,027
Net operating income$493,2506,534
1997-12-31 (YTD Data)Rank
Total interest income$3,746,0006,908
Total interest expense$1,809,0006,665
Net interest income$1,937,0007,049
Provision for loan and lease losses$55,0006,469
Total noninterest income$243,0007,298
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$159,0006,020
Trading account gains and feesNANA
Additional Noninterest Income$84,0007,257
Total noninterest expense$1,470,0006,865
Salaries and employee benefits$859,0006,493
Premises and equipment expense$184,0007,131
Additional noninterest expense$427,0007,136
Pre-tax net operating income$655,0007,186
Securities gains (losses)$10,0002,359
Applicable income taxes$226,0006,550
Income before extraordinary items$439,0007,385
Extraordinary gains, net$044
Net income$439,0007,388
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$31,0005,907
Cash dividends$130,0006,116
Sale, conversion, retirement of capital stock, net$300,000610
Net operating income$432,4007,374
1996-12-31 (YTD Data)Rank
Total interest income$3,454,0007,450
Total interest expense$1,699,0007,081
Net interest income$1,755,0007,651
Provision for loan and lease losses$53,0006,487
Total noninterest income$207,0008,128
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$142,0006,615
Trading account gains and feesNANA
Additional Noninterest Income$65,0008,279
Total noninterest expense$1,951,0006,035
Salaries and employee benefits$786,0007,054
Premises and equipment expense$202,0006,991
Additional noninterest expense$963,0004,547
Pre-tax net operating income$-42,00010,886
Securities gains (losses)$-14,00010,446
Applicable income taxes$-21,00010,993
Income before extraordinary items$-35,00010,898
Extraordinary gains, net$053
Net income$-35,00010,894
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$29,0006,197
Cash dividends$112,0006,500
Sale, conversion, retirement of capital stock, net$0953
Net operating income$-26,04010,841
1995-12-31 (YTD Data)Rank
Total interest income$2,990,0008,223
Total interest expense$1,554,0007,550
Net interest income$1,436,0008,706
Provision for loan and lease losses$37,0006,739
Total noninterest income$161,0009,123
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$115,0007,426
Trading account gains and feesNANA
Additional Noninterest Income$46,0009,426
Total noninterest expense$1,488,0007,309
Salaries and employee benefits$708,0007,674
Premises and equipment expense$172,0007,765
Additional noninterest expense$608,0006,484
Pre-tax net operating income$72,00011,219
Securities gains (losses)$58,0001,212
Applicable income taxes$36,00010,464
Income before extraordinary items$94,00010,986
Extraordinary gains, net$065
Net income$94,00010,986
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-23,00011,095
Cash dividends$34,0008,122
Sale, conversion, retirement of capital stock, net$0809
Net operating income$52,24011,246
1994-12-31 (YTD Data)Rank
Total interest income$2,447,0009,000
Total interest expense$1,165,0008,041
Net interest income$1,282,0009,517
Provision for loan and lease losses$21,0007,711
Total noninterest income$155,0009,612
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$98,0008,150
Trading account gains and feesNANA
Additional Noninterest Income$57,0009,251
Total noninterest expense$1,277,0008,330
Salaries and employee benefits$650,0008,270
Premises and equipment expense$181,0007,828
Additional noninterest expense$446,0008,354
Pre-tax net operating income$139,00011,354
Securities gains (losses)$-50,00011,027
Applicable income taxes$12,00011,330
Income before extraordinary items$77,00011,604
Extraordinary gains, net$0249
Net income$77,00011,613
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,00010,929
Cash dividends$95,0007,051
Sale, conversion, retirement of capital stock, net$01,160
Net operating income$120,50011,204
1993-12-31 (YTD Data)Rank
Total interest income$2,464,0009,264
Total interest expense$1,047,0008,892
Net interest income$1,417,0009,368
Provision for loan and lease losses$24,0008,778
Total noninterest income$178,0009,642
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$105,0008,238
Trading account gains and feesNANA
Additional Noninterest Income$73,0008,943
Total noninterest expense$1,201,0008,885
Salaries and employee benefits$567,0009,073
Premises and equipment expense$148,0008,964
Additional noninterest expense$486,0008,362
Pre-tax net operating income$370,0009,659
Securities gains (losses)$107,0002,403
Applicable income taxes$165,0008,309
Income before extraordinary items$312,0009,341
Extraordinary gains, net$03,149
Net income$312,0009,510
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$-12,00011,843
Cash dividends$125,0006,440
Sale, conversion, retirement of capital stock, net$01,223
Net operating income$242,4509,882
1992-12-31 (YTD Data)Rank
Total interest income$2,202,00010,466
Total interest expense$1,111,0009,943
Net interest income$1,091,00010,726
Provision for loan and lease losses$27,00010,147
Total noninterest income$178,0009,865
Gross Fiduciary activities incomeNANA
Service charges on deposit accounts$110,0008,216
Trading account gains and feesNANA
Additional Noninterest Income$68,0009,388
Total noninterest expense$1,126,0009,380
Salaries and employee benefits$501,0009,773
Premises and equipment expense$132,0009,627
Additional noninterest expense$493,0008,524
Pre-tax net operating income$116,00011,854
Securities gains (losses)$406,0001,266
Applicable income taxes$198,0007,602
Income before extraordinary items$324,0009,003
Extraordinary gains, net$01,422
Net income$324,0009,149
Minority interest net incomeNANA
Net income of bank and minority interests.NANA
Net charge-offs$21,0009,043
Cash dividends$170,0005,484
Sale, conversion, retirement of capital stock, net$750,000466
Net operating income$64,16012,132

* 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.