Home > Community National Bank > Income and Expense
Community National Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,424,000 | 5,802 |
| Total interest expense | $1,178,000 | 5,953 |
| Net interest income | $2,246,000 | 5,579 |
| Provision for loan and lease losses | $100,000 | 4,067 |
| Total noninterest income | $382,000 | 5,115 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $314,000 | 3,467 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 6,480 |
| Total noninterest expense | $1,369,000 | 6,407 |
| Salaries and employee benefits | $829,000 | 6,129 |
| Premises and equipment expense | $148,000 | 6,782 |
| Additional noninterest expense | $392,000 | 6,441 |
| Pre-tax net operating income | $1,159,000 | 4,383 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $430,000 | 3,070 |
| Income before extraordinary items | $729,000 | 4,926 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $729,000 | 4,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,885 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $729,000 | 4,912 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $846,000 | 7,855 |
| Total interest expense | $271,000 | 7,834 |
| Net interest income | $575,000 | 7,771 |
| Provision for loan and lease losses | $25,000 | 5,320 |
| Total noninterest income | $92,000 | 7,117 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $79,000 | 5,492 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $13,000 | 7,912 |
| Total noninterest expense | $340,000 | 8,246 |
| Salaries and employee benefits | $209,000 | 8,154 |
| Premises and equipment expense | $35,000 | 8,194 |
| Additional noninterest expense | $96,000 | 8,205 |
| Pre-tax net operating income | $302,000 | 6,444 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $115,000 | 4,355 |
| Income before extraordinary items | $187,000 | 6,847 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $187,000 | 6,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,236 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $187,000 | 6,855 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 3,582 |
| Total interest expense | $785,000 | 3,865 |
| Net interest income | $1,580,000 | 3,395 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $269,000 | 3,313 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $210,000 | 1,960 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $59,000 | 4,794 |
| Total noninterest expense | $1,032,000 | 3,936 |
| Salaries and employee benefits | $618,000 | 3,674 |
| Premises and equipment expense | $107,000 | 4,746 |
| Additional noninterest expense | $307,000 | 3,826 |
| Pre-tax net operating income | $742,000 | 2,855 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $251,000 | 2,272 |
| Income before extraordinary items | $491,000 | 3,209 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $491,000 | 3,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 1,308 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $491,000 | 3,184 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,325,000 | 3,330 |
| Total interest expense | $2,843,000 | 3,492 |
| Net interest income | $6,482,000 | 3,217 |
| Provision for loan and lease losses | $1,207,000 | 866 |
| Total noninterest income | $1,151,000 | 3,225 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $895,000 | 1,915 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $256,000 | 4,681 |
| Total noninterest expense | $4,285,000 | 3,667 |
| Salaries and employee benefits | $2,428,000 | 3,570 |
| Premises and equipment expense | $470,000 | 4,365 |
| Additional noninterest expense | $1,387,000 | 3,440 |
| Pre-tax net operating income | $2,141,000 | 3,529 |
| Securities gains (losses) | $9,000 | 1,510 |
| Applicable income taxes | $547,000 | 3,220 |
| Income before extraordinary items | $1,603,000 | 3,629 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,603,000 | 3,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,191,000 | 594 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,596,250 | 3,614 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,914,000 | 3,306 |
| Total interest expense | $2,064,000 | 3,428 |
| Net interest income | $4,850,000 | 3,220 |
| Provision for loan and lease losses | $950,000 | 793 |
| Total noninterest income | $909,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $671,000 | 1,916 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $238,000 | 4,221 |
| Total noninterest expense | $3,212,000 | 3,645 |
| Salaries and employee benefits | $1,840,000 | 3,507 |
| Premises and equipment expense | $354,000 | 4,340 |
| Additional noninterest expense | $1,018,000 | 3,457 |
| Pre-tax net operating income | $1,597,000 | 3,582 |
| Securities gains (losses) | $9,000 | 1,516 |
| Applicable income taxes | $549,000 | 2,790 |
| Income before extraordinary items | $1,057,000 | 4,015 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,057,000 | 4,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,091,000 | 467 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,051,060 | 3,986 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,510,000 | 3,306 |
| Total interest expense | $1,317,000 | 3,384 |
| Net interest income | $3,193,000 | 3,229 |
| Provision for loan and lease losses | $725,000 | 694 |
| Total noninterest income | $644,000 | 2,941 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $435,000 | 1,934 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $209,000 | 3,689 |
| Total noninterest expense | $2,169,000 | 3,590 |
| Salaries and employee benefits | $1,236,000 | 3,474 |
| Premises and equipment expense | $233,000 | 4,340 |
| Additional noninterest expense | $700,000 | 3,365 |
| Pre-tax net operating income | $943,000 | 3,871 |
| Securities gains (losses) | $9,000 | 1,390 |
| Applicable income taxes | $323,000 | 2,974 |
| Income before extraordinary items | $629,000 | 4,297 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $629,000 | 4,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $870,000 | 398 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $623,060 | 4,260 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,227,000 | 3,308 |
| Total interest expense | $642,000 | 3,332 |
| Net interest income | $1,585,000 | 3,251 |
| Provision for loan and lease losses | $475,000 | 494 |
| Total noninterest income | $321,000 | 2,894 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $206,000 | 1,957 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $115,000 | 3,480 |
| Total noninterest expense | $1,091,000 | 3,592 |
| Salaries and employee benefits | $623,000 | 3,459 |
| Premises and equipment expense | $119,000 | 4,321 |
| Additional noninterest expense | $349,000 | 3,370 |
| Pre-tax net operating income | $340,000 | 4,669 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $38,000 | 5,097 |
| Income before extraordinary items | $302,000 | 4,363 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $302,000 | 4,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $720,000 | 272 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $302,000 | 4,320 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,904,000 | 3,130 |
| Total interest expense | $2,605,000 | 2,943 |
| Net interest income | $6,299,000 | 3,162 |
| Provision for loan and lease losses | $2,953,000 | 390 |
| Total noninterest income | $969,000 | 3,630 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $822,000 | 2,092 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $147,000 | 5,731 |
| Total noninterest expense | $4,317,000 | 3,523 |
| Salaries and employee benefits | $2,395,000 | 3,459 |
| Premises and equipment expense | $484,000 | 4,191 |
| Additional noninterest expense | $1,438,000 | 3,236 |
| Pre-tax net operating income | $-2,000 | 8,401 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-103,000 | 8,737 |
| Income before extraordinary items | $101,000 | 8,088 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $101,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,093,000 | 334 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $101,000 | 8,048 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,672,000 | 3,110 |
| Total interest expense | $1,950,000 | 2,906 |
| Net interest income | $4,722,000 | 3,144 |
| Provision for loan and lease losses | $2,953,000 | 319 |
| Total noninterest income | $753,000 | 3,557 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $621,000 | 2,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $132,000 | 5,388 |
| Total noninterest expense | $3,301,000 | 3,452 |
| Salaries and employee benefits | $1,829,000 | 3,381 |
| Premises and equipment expense | $387,000 | 3,969 |
| Additional noninterest expense | $1,085,000 | 3,190 |
| Pre-tax net operating income | $-779,000 | 8,854 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-360,000 | 8,963 |
| Income before extraordinary items | $-419,000 | 8,782 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-419,000 | 8,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,033,000 | 259 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-419,000 | 8,758 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,446,000 | 3,095 |
| Total interest expense | $1,310,000 | 2,877 |
| Net interest income | $3,136,000 | 3,158 |
| Provision for loan and lease losses | $2,628,000 | 257 |
| Total noninterest income | $506,000 | 3,543 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $411,000 | 2,099 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $95,000 | 5,258 |
| Total noninterest expense | $2,195,000 | 3,481 |
| Salaries and employee benefits | $1,217,000 | 3,403 |
| Premises and equipment expense | $259,000 | 3,967 |
| Additional noninterest expense | $719,000 | 3,228 |
| Pre-tax net operating income | $-1,181,000 | 9,009 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-400,000 | 9,025 |
| Income before extraordinary items | $-781,000 | 8,988 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-781,000 | 8,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,510,000 | 229 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-781,000 | 8,969 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,242,000 | 3,076 |
| Total interest expense | $674,000 | 2,841 |
| Net interest income | $1,568,000 | 3,155 |
| Provision for loan and lease losses | $650,000 | 420 |
| Total noninterest income | $221,000 | 3,817 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $195,000 | 2,122 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $1,075,000 | 3,557 |
| Salaries and employee benefits | $598,000 | 3,467 |
| Premises and equipment expense | $131,000 | 3,970 |
| Additional noninterest expense | $346,000 | 3,320 |
| Pre-tax net operating income | $64,000 | 7,694 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $30,000 | 5,394 |
| Income before extraordinary items | $34,000 | 8,076 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $34,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $686,000 | 347 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $34,000 | 8,013 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,567,000 | 2,673 |
| Total interest expense | $3,865,000 | 2,289 |
| Net interest income | $6,702,000 | 2,858 |
| Provision for loan and lease losses | $1,872,000 | 684 |
| Total noninterest income | $1,134,000 | 3,429 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $875,000 | 1,961 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $259,000 | 4,785 |
| Total noninterest expense | $4,307,000 | 3,490 |
| Salaries and employee benefits | $2,334,000 | 3,458 |
| Premises and equipment expense | $526,000 | 3,904 |
| Additional noninterest expense | $1,447,000 | 3,188 |
| Pre-tax net operating income | $1,657,000 | 3,854 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $505,000 | 3,355 |
| Income before extraordinary items | $1,152,000 | 4,245 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,152,000 | 4,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,082,000 | 535 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,152,000 | 4,079 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,189,000 | 2,639 |
| Total interest expense | $3,091,000 | 2,233 |
| Net interest income | $5,098,000 | 2,842 |
| Provision for loan and lease losses | $1,272,000 | 734 |
| Total noninterest income | $898,000 | 3,375 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $653,000 | 1,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $245,000 | 4,421 |
| Total noninterest expense | $3,219,000 | 3,488 |
| Salaries and employee benefits | $1,764,000 | 3,419 |
| Premises and equipment expense | $393,000 | 3,909 |
| Additional noninterest expense | $1,062,000 | 3,220 |
| Pre-tax net operating income | $1,505,000 | 3,506 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $644,000 | 2,534 |
| Income before extraordinary items | $861,000 | 4,413 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $861,000 | 4,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,303,000 | 584 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $861,000 | 4,241 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,547,000 | 2,629 |
| Total interest expense | $2,187,000 | 2,183 |
| Net interest income | $3,360,000 | 2,877 |
| Provision for loan and lease losses | $572,000 | 1,034 |
| Total noninterest income | $586,000 | 3,400 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $422,000 | 1,993 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $164,000 | 4,400 |
| Total noninterest expense | $2,109,000 | 3,530 |
| Salaries and employee benefits | $1,164,000 | 3,450 |
| Premises and equipment expense | $261,000 | 3,912 |
| Additional noninterest expense | $684,000 | 3,294 |
| Pre-tax net operating income | $1,265,000 | 2,962 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $427,000 | 2,572 |
| Income before extraordinary items | $838,000 | 3,383 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $838,000 | 3,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $872,000 | 564 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $838,000 | 3,205 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,942,000 | 2,491 |
| Total interest expense | $1,144,000 | 2,140 |
| Net interest income | $1,798,000 | 2,684 |
| Provision for loan and lease losses | $300,000 | 910 |
| Total noninterest income | $225,000 | 3,881 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $205,000 | 1,981 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $1,027,000 | 3,574 |
| Salaries and employee benefits | $578,000 | 3,472 |
| Premises and equipment expense | $133,000 | 3,855 |
| Additional noninterest expense | $316,000 | 3,497 |
| Pre-tax net operating income | $696,000 | 2,746 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $236,000 | 2,418 |
| Income before extraordinary items | $460,000 | 3,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $460,000 | 3,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 594 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $460,000 | 2,972 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,002,000 | 2,364 |
| Total interest expense | $6,005,000 | 1,896 |
| Net interest income | $6,997,000 | 2,732 |
| Provision for loan and lease losses | $1,440,000 | 981 |
| Total noninterest income | $1,172,000 | 3,124 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $963,000 | 1,673 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $209,000 | 4,928 |
| Total noninterest expense | $3,974,000 | 3,576 |
| Salaries and employee benefits | $2,036,000 | 3,674 |
| Premises and equipment expense | $602,000 | 3,405 |
| Additional noninterest expense | $1,336,000 | 3,283 |
| Pre-tax net operating income | $2,755,000 | 2,678 |
| Securities gains (losses) | $-2,000 | 8,714 |
| Applicable income taxes | $1,044,000 | 2,143 |
| Income before extraordinary items | $1,709,000 | 3,163 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,709,000 | 3,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,112,000 | 867 |
| Cash dividends | $325,000 | 4,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,710,280 | 3,056 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,106,000 | 2,257 |
| Total interest expense | $8,169,000 | 1,980 |
| Net interest income | $6,937,000 | 2,584 |
| Provision for loan and lease losses | $1,135,000 | 1,135 |
| Total noninterest income | $1,071,000 | 3,183 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $874,000 | 1,741 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $197,000 | 4,961 |
| Total noninterest expense | $3,838,000 | 3,559 |
| Salaries and employee benefits | $2,126,000 | 3,416 |
| Premises and equipment expense | $617,000 | 3,288 |
| Additional noninterest expense | $1,095,000 | 3,774 |
| Pre-tax net operating income | $3,035,000 | 2,239 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $1,106,000 | 1,933 |
| Income before extraordinary items | $1,932,000 | 2,610 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,932,000 | 2,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,115,000 | 870 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,930,080 | 2,539 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,853,000 | 2,708 |
| Total interest expense | $6,793,000 | 2,477 |
| Net interest income | $6,060,000 | 2,908 |
| Provision for loan and lease losses | $645,000 | 1,513 |
| Total noninterest income | $929,000 | 3,312 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $778,000 | 1,781 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $151,000 | 5,452 |
| Total noninterest expense | $3,529,000 | 3,677 |
| Salaries and employee benefits | $1,986,000 | 3,486 |
| Premises and equipment expense | $514,000 | 3,710 |
| Additional noninterest expense | $1,029,000 | 3,904 |
| Pre-tax net operating income | $2,815,000 | 2,517 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $989,000 | 2,143 |
| Income before extraordinary items | $1,826,000 | 2,772 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,826,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $499,000 | 1,246 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,826,000 | 2,772 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,910,000 | 2,959 |
| Total interest expense | $5,377,000 | 2,725 |
| Net interest income | $5,534,000 | 3,138 |
| Provision for loan and lease losses | $920,000 | 1,044 |
| Total noninterest income | $773,000 | 3,713 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $607,000 | 2,198 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $166,000 | 5,360 |
| Total noninterest expense | $2,977,000 | 4,240 |
| Salaries and employee benefits | $1,608,000 | 4,109 |
| Premises and equipment expense | $401,000 | 4,526 |
| Additional noninterest expense | $968,000 | 4,125 |
| Pre-tax net operating income | $2,410,000 | 2,876 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $775,000 | 2,707 |
| Income before extraordinary items | $1,635,000 | 3,040 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,635,000 | 3,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $803,000 | 835 |
| Cash dividends | $700,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,635,000 | 2,998 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,140,000 | 3,188 |
| Total interest expense | $5,036,000 | 2,980 |
| Net interest income | $5,104,000 | 3,323 |
| Provision for loan and lease losses | $720,000 | 1,275 |
| Total noninterest income | $551,000 | 4,652 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $489,000 | 2,603 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,734 |
| Total noninterest expense | $2,827,000 | 4,343 |
| Salaries and employee benefits | $1,379,000 | 4,541 |
| Premises and equipment expense | $385,000 | 4,564 |
| Additional noninterest expense | $1,063,000 | 3,747 |
| Pre-tax net operating income | $2,108,000 | 3,208 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $862,000 | 2,570 |
| Income before extraordinary items | $1,250,000 | 3,799 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,250,000 | 3,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $461,000 | 1,344 |
| Cash dividends | $175,000 | 5,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,247,440 | 3,721 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,296,000 | 3,844 |
| Total interest expense | $3,966,000 | 3,703 |
| Net interest income | $4,330,000 | 3,946 |
| Provision for loan and lease losses | $735,000 | 1,279 |
| Total noninterest income | $499,000 | 5,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,347 |
| Total noninterest expense | $2,155,000 | 5,366 |
| Salaries and employee benefits | $1,106,000 | 5,445 |
| Premises and equipment expense | $313,000 | 5,314 |
| Additional noninterest expense | $736,000 | 5,029 |
| Pre-tax net operating income | $1,939,000 | 3,649 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $856,000 | 2,782 |
| Income before extraordinary items | $1,088,000 | 4,403 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,088,000 | 4,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,702 |
| Cash dividends | $185,000 | 5,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,084,800 | 4,341 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,079,000 | 4,531 |
| Total interest expense | $3,443,000 | 4,255 |
| Net interest income | $3,636,000 | 4,676 |
| Provision for loan and lease losses | $473,000 | 1,815 |
| Total noninterest income | $466,000 | 5,414 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $376,000 | 3,519 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,444 |
| Total noninterest expense | $2,004,000 | 5,944 |
| Salaries and employee benefits | $958,000 | 6,184 |
| Premises and equipment expense | $332,000 | 5,206 |
| Additional noninterest expense | $714,000 | 5,663 |
| Pre-tax net operating income | $1,625,000 | 4,080 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $655,000 | 3,343 |
| Income before extraordinary items | $967,000 | 4,620 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $967,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,709 |
| Cash dividends | $65,000 | 7,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $968,920 | 4,559 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,196,000 | 5,061 |
| Total interest expense | $2,977,000 | 4,794 |
| Net interest income | $3,219,000 | 5,202 |
| Provision for loan and lease losses | $378,000 | 1,942 |
| Total noninterest income | $392,000 | 6,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $305,000 | 4,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,676 |
| Total noninterest expense | $1,812,000 | 6,426 |
| Salaries and employee benefits | $846,000 | 6,840 |
| Premises and equipment expense | $295,000 | 5,704 |
| Additional noninterest expense | $671,000 | 6,056 |
| Pre-tax net operating income | $1,421,000 | 4,643 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $581,000 | 3,739 |
| Income before extraordinary items | $836,000 | 5,273 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $836,000 | 5,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,827 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $838,560 | 5,247 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,719,000 | 5,937 |
| Total interest expense | $2,101,000 | 5,387 |
| Net interest income | $2,618,000 | 6,233 |
| Provision for loan and lease losses | $322,000 | 2,149 |
| Total noninterest income | $361,000 | 6,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,986 |
| Total noninterest expense | $1,648,000 | 7,143 |
| Salaries and employee benefits | $745,000 | 7,558 |
| Premises and equipment expense | $289,000 | 5,879 |
| Additional noninterest expense | $614,000 | 6,931 |
| Pre-tax net operating income | $1,009,000 | 5,917 |
| Securities gains (losses) | $87,000 | 835 |
| Applicable income taxes | $410,000 | 4,680 |
| Income before extraordinary items | $686,000 | 5,994 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $686,000 | 6,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 2,069 |
| Cash dividends | $114,000 | 6,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $630,320 | 6,411 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,545,000 | 6,262 |
| Total interest expense | $2,130,000 | 5,541 |
| Net interest income | $2,415,000 | 6,706 |
| Provision for loan and lease losses | $448,000 | 2,281 |
| Total noninterest income | $270,000 | 8,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,509 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,391 |
| Total noninterest expense | $1,521,000 | 7,763 |
| Salaries and employee benefits | $706,000 | 7,960 |
| Premises and equipment expense | $261,000 | 6,488 |
| Additional noninterest expense | $554,000 | 7,731 |
| Pre-tax net operating income | $716,000 | 7,276 |
| Securities gains (losses) | $90,000 | 2,648 |
| Applicable income taxes | $251,000 | 6,774 |
| Income before extraordinary items | $555,000 | 7,116 |
| Extraordinary gains, net | $26,000 | 2,568 |
| Net income | $581,000 | 7,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 2,413 |
| Cash dividends | $73,000 | 7,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $492,900 | 7,362 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 7,391 |
| Total interest expense | $2,311,000 | 6,379 |
| Net interest income | $1,781,000 | 8,397 |
| Provision for loan and lease losses | $160,000 | 5,897 |
| Total noninterest income | $241,000 | 8,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 6,110 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,600 |
| Total noninterest expense | $1,302,000 | 8,652 |
| Salaries and employee benefits | $586,000 | 8,934 |
| Premises and equipment expense | $236,000 | 7,050 |
| Additional noninterest expense | $480,000 | 8,647 |
| Pre-tax net operating income | $560,000 | 7,991 |
| Securities gains (losses) | $83,000 | 3,314 |
| Applicable income taxes | $221,000 | 7,164 |
| Income before extraordinary items | $422,000 | 7,996 |
| Extraordinary gains, net | $31,000 | 1,121 |
| Net income | $453,000 | 7,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $367,220 | 8,174 |
* 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.