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Community Bank, Income and Expense
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,119,000 | 4,519 |
| Total interest expense | $4,208,000 | 3,823 |
| Net interest income | $2,911,000 | 5,261 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $305,000 | 6,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 4,735 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,070 |
| Total noninterest expense | $1,705,000 | 6,262 |
| Salaries and employee benefits | $952,000 | 6,119 |
| Premises and equipment expense | $280,000 | 5,651 |
| Additional noninterest expense | $473,000 | 6,630 |
| Pre-tax net operating income | $1,391,000 | 4,292 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $73,000 | 6,884 |
| Income before extraordinary items | $1,318,000 | 3,601 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,318,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,607 |
| Cash dividends | $1,265,000 | 1,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,318,000 | 3,585 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,920,000 | 4,446 |
| Total interest expense | $3,870,000 | 3,687 |
| Net interest income | $3,050,000 | 5,108 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $293,000 | 6,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 4,771 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 7,548 |
| Total noninterest expense | $1,625,000 | 6,473 |
| Salaries and employee benefits | $908,000 | 6,262 |
| Premises and equipment expense | $221,000 | 6,486 |
| Additional noninterest expense | $496,000 | 6,555 |
| Pre-tax net operating income | $1,538,000 | 4,018 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $233,000 | 5,368 |
| Income before extraordinary items | $1,305,000 | 3,633 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,305,000 | 3,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,806 |
| Cash dividends | $437,000 | 3,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,305,000 | 3,594 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,857,000 | 4,470 |
| Total interest expense | $3,934,000 | 3,749 |
| Net interest income | $2,923,000 | 5,225 |
| Provision for loan and lease losses | $126,000 | 4,520 |
| Total noninterest income | $223,000 | 7,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 5,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,487 |
| Total noninterest expense | $1,524,000 | 6,620 |
| Salaries and employee benefits | $825,000 | 6,573 |
| Premises and equipment expense | $216,000 | 6,493 |
| Additional noninterest expense | $483,000 | 6,551 |
| Pre-tax net operating income | $1,496,000 | 4,193 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $534,000 | 3,685 |
| Income before extraordinary items | $962,000 | 4,634 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $962,000 | 4,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,354 |
| Cash dividends | $759,000 | 2,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $962,000 | 4,539 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,178,000 | 4,946 |
| Total interest expense | $3,575,000 | 4,069 |
| Net interest income | $2,603,000 | 5,894 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $198,000 | 7,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 5,859 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $1,386,000 | 7,069 |
| Salaries and employee benefits | $753,000 | 7,007 |
| Premises and equipment expense | $208,000 | 6,702 |
| Additional noninterest expense | $425,000 | 7,153 |
| Pre-tax net operating income | $1,340,000 | 4,862 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $470,000 | 4,402 |
| Income before extraordinary items | $869,000 | 5,183 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $869,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $631,000 | 2,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $869,650 | 5,126 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,496,000 | 5,525 |
| Total interest expense | $3,145,000 | 4,580 |
| Net interest income | $2,351,000 | 6,475 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $190,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,747 |
| Total noninterest expense | $1,319,000 | 7,604 |
| Salaries and employee benefits | $690,000 | 7,596 |
| Premises and equipment expense | $181,000 | 7,400 |
| Additional noninterest expense | $448,000 | 7,486 |
| Pre-tax net operating income | $1,222,000 | 5,059 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $437,000 | 4,603 |
| Income before extraordinary items | $785,000 | 5,377 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $785,000 | 5,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $522,000 | 3,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $785,000 | 5,316 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,937,000 | 8,302 |
| Total interest expense | $1,640,000 | 7,301 |
| Net interest income | $1,297,000 | 9,086 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $127,000 | 9,711 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 7,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,278 |
| Total noninterest expense | $783,000 | 9,843 |
| Salaries and employee benefits | $441,000 | 9,612 |
| Premises and equipment expense | $95,000 | 9,761 |
| Additional noninterest expense | $247,000 | 9,853 |
| Pre-tax net operating income | $641,000 | 7,641 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $208,000 | 7,291 |
| Income before extraordinary items | $433,000 | 7,786 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $433,000 | 7,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $352,000 | 4,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $433,000 | 7,754 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,702,000 | 8,546 |
| Total interest expense | $1,294,000 | 7,571 |
| Net interest income | $1,408,000 | 9,130 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $156,000 | 9,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 8,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,142 |
| Total noninterest expense | $844,000 | 10,027 |
| Salaries and employee benefits | $416,000 | 10,140 |
| Premises and equipment expense | $84,000 | 10,524 |
| Additional noninterest expense | $344,000 | 9,422 |
| Pre-tax net operating income | $720,000 | 7,283 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $242,000 | 6,656 |
| Income before extraordinary items | $478,000 | 7,472 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $478,000 | 7,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $352,000 | 4,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $478,000 | 7,516 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,744,000 | 8,753 |
| Total interest expense | $1,386,000 | 7,593 |
| Net interest income | $1,358,000 | 9,551 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $108,000 | 11,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 11,511 |
| Total noninterest expense | $729,000 | 11,022 |
| Salaries and employee benefits | $378,000 | 10,862 |
| Premises and equipment expense | $64,000 | 11,705 |
| Additional noninterest expense | $287,000 | 10,601 |
| Pre-tax net operating income | $737,000 | 7,169 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $208,000 | 7,473 |
| Income before extraordinary items | $530,000 | 7,308 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $530,000 | 7,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 11,543 |
| Cash dividends | $352,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $529,280 | 7,055 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,991,000 | 8,998 |
| Total interest expense | $1,615,000 | 8,154 |
| Net interest income | $1,376,000 | 9,716 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $129,000 | 10,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,641 |
| Total noninterest expense | $716,000 | 11,432 |
| Salaries and employee benefits | $372,000 | 11,196 |
| Premises and equipment expense | $57,000 | 12,412 |
| Additional noninterest expense | $287,000 | 11,020 |
| Pre-tax net operating income | $789,000 | 6,616 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $267,000 | 6,408 |
| Income before extraordinary items | $535,000 | 7,035 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $535,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 12,606 |
| Cash dividends | $224,000 | 4,776 |
| Sale, conversion, retirement of capital stock, net | $-278,000 | 13,848 |
| Net operating income | $526,290 | 6,736 |
* 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.