Home > Concord Bank > Income and Expense
Concord Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,327,000 | 3,639 |
| Total interest expense | $919,000 | 3,478 |
| Net interest income | $1,408,000 | 3,717 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $37,000 | 7,412 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,832 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $1,445,000 | 2,975 |
| Salaries and employee benefits | $991,000 | 2,461 |
| Premises and equipment expense | $89,000 | 5,311 |
| Additional noninterest expense | $365,000 | 3,356 |
| Pre-tax net operating income | $0 | 8,194 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $0 | 8,197 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $0 | 8,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $0 | 8,188 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,719,000 | 3,855 |
| Total interest expense | $2,826,000 | 3,500 |
| Net interest income | $4,893,000 | 4,015 |
| Provision for loan and lease losses | $100,000 | 4,800 |
| Total noninterest income | $165,000 | 7,359 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $60,000 | 6,923 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $105,000 | 6,333 |
| Total noninterest expense | $3,617,000 | 4,185 |
| Salaries and employee benefits | $2,211,000 | 3,825 |
| Premises and equipment expense | $391,000 | 4,923 |
| Additional noninterest expense | $1,015,000 | 4,372 |
| Pre-tax net operating income | $1,341,000 | 4,650 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $460,000 | 3,499 |
| Income before extraordinary items | $881,000 | 5,130 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $881,000 | 5,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $881,000 | 5,098 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,571,000 | 3,920 |
| Total interest expense | $1,976,000 | 3,546 |
| Net interest income | $3,595,000 | 4,077 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $130,000 | 7,311 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 6,939 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $84,000 | 6,220 |
| Total noninterest expense | $2,243,000 | 4,740 |
| Salaries and employee benefits | $1,334,000 | 4,484 |
| Premises and equipment expense | $316,000 | 4,665 |
| Additional noninterest expense | $593,000 | 5,159 |
| Pre-tax net operating income | $1,392,000 | 3,953 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $476,000 | 3,032 |
| Income before extraordinary items | $916,000 | 4,411 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $916,000 | 4,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $916,000 | 4,372 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,545,000 | 4,001 |
| Total interest expense | $1,212,000 | 3,592 |
| Net interest income | $2,333,000 | 4,139 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $94,000 | 7,161 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $32,000 | 6,885 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $62,000 | 6,077 |
| Total noninterest expense | $1,451,000 | 4,838 |
| Salaries and employee benefits | $855,000 | 4,590 |
| Premises and equipment expense | $222,000 | 4,471 |
| Additional noninterest expense | $374,000 | 5,318 |
| Pre-tax net operating income | $916,000 | 3,946 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $313,000 | 3,030 |
| Income before extraordinary items | $603,000 | 4,401 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $603,000 | 4,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $603,000 | 4,349 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,696,000 | 4,108 |
| Total interest expense | $553,000 | 3,736 |
| Net interest income | $1,143,000 | 4,215 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $43,000 | 7,298 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $27,000 | 6,349 |
| Total noninterest expense | $714,000 | 4,924 |
| Salaries and employee benefits | $415,000 | 4,699 |
| Premises and equipment expense | $121,000 | 4,285 |
| Additional noninterest expense | $178,000 | 5,446 |
| Pre-tax net operating income | $442,000 | 4,014 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $151,000 | 3,085 |
| Income before extraordinary items | $291,000 | 4,461 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $291,000 | 4,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $291,000 | 4,418 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,758,000 | 4,393 |
| Total interest expense | $1,420,000 | 4,660 |
| Net interest income | $4,338,000 | 4,233 |
| Provision for loan and lease losses | $200,000 | 3,677 |
| Total noninterest income | $189,000 | 7,242 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $73,000 | 6,905 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $116,000 | 6,159 |
| Total noninterest expense | $2,934,000 | 4,732 |
| Salaries and employee benefits | $1,727,000 | 4,471 |
| Premises and equipment expense | $524,000 | 3,937 |
| Additional noninterest expense | $683,000 | 5,600 |
| Pre-tax net operating income | $1,393,000 | 4,443 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $477,000 | 3,423 |
| Income before extraordinary items | $916,000 | 4,919 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $916,000 | 4,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 451 |
| Net operating income | $916,000 | 4,852 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,162,000 | 4,488 |
| Total interest expense | $960,000 | 4,896 |
| Net interest income | $3,202,000 | 4,282 |
| Provision for loan and lease losses | $200,000 | 2,980 |
| Total noninterest income | $154,000 | 7,150 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $58,000 | 6,852 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $96,000 | 5,987 |
| Total noninterest expense | $1,763,000 | 5,472 |
| Salaries and employee benefits | $925,000 | 5,579 |
| Premises and equipment expense | $422,000 | 3,730 |
| Additional noninterest expense | $416,000 | 6,197 |
| Pre-tax net operating income | $1,393,000 | 3,764 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $476,000 | 2,990 |
| Income before extraordinary items | $917,000 | 4,217 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $917,000 | 4,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 344 |
| Net operating income | $917,000 | 4,149 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,673,000 | 4,609 |
| Total interest expense | $603,000 | 5,085 |
| Net interest income | $2,070,000 | 4,368 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $103,000 | 7,176 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $40,000 | 6,850 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $63,000 | 6,049 |
| Total noninterest expense | $1,147,000 | 5,576 |
| Salaries and employee benefits | $594,000 | 5,726 |
| Premises and equipment expense | $301,000 | 3,538 |
| Additional noninterest expense | $252,000 | 6,500 |
| Pre-tax net operating income | $926,000 | 3,716 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $316,000 | 2,990 |
| Income before extraordinary items | $610,000 | 4,206 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $610,000 | 4,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 248 |
| Net operating income | $610,000 | 4,116 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,289,000 | 4,754 |
| Total interest expense | $289,000 | 5,285 |
| Net interest income | $1,000,000 | 4,483 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $59,000 | 6,900 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 6,805 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $39,000 | 5,616 |
| Total noninterest expense | $564,000 | 5,649 |
| Salaries and employee benefits | $295,000 | 5,784 |
| Premises and equipment expense | $154,000 | 3,516 |
| Additional noninterest expense | $115,000 | 6,800 |
| Pre-tax net operating income | $465,000 | 3,707 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $159,000 | 2,988 |
| Income before extraordinary items | $306,000 | 4,219 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $306,000 | 4,218 |
| 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 | $306,000 | 4,096 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 5,372 |
| Total interest expense | $957,000 | 6,241 |
| Net interest income | $3,370,000 | 4,919 |
| Provision for loan and lease losses | $144,000 | 4,668 |
| Total noninterest income | $197,000 | 7,384 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $94,000 | 6,640 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $103,000 | 6,482 |
| Total noninterest expense | $2,642,000 | 5,015 |
| Salaries and employee benefits | $1,406,000 | 5,081 |
| Premises and equipment expense | $500,000 | 4,054 |
| Additional noninterest expense | $736,000 | 5,336 |
| Pre-tax net operating income | $781,000 | 5,756 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $178,000 | 5,083 |
| Income before extraordinary items | $603,000 | 5,942 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $603,000 | 5,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $603,000 | 5,762 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,145,000 | 5,530 |
| Total interest expense | $723,000 | 6,376 |
| Net interest income | $2,422,000 | 5,087 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $156,000 | 7,320 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $72,000 | 6,675 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $84,000 | 6,382 |
| Total noninterest expense | $1,780,000 | 5,377 |
| Salaries and employee benefits | $939,000 | 5,458 |
| Premises and equipment expense | $401,000 | 3,850 |
| Additional noninterest expense | $440,000 | 6,057 |
| Pre-tax net operating income | $798,000 | 5,131 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $272,000 | 4,105 |
| Income before extraordinary items | $526,000 | 5,712 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $526,000 | 5,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $526,000 | 5,531 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,072,000 | 5,623 |
| Total interest expense | $506,000 | 6,353 |
| Net interest income | $1,566,000 | 5,199 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $118,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $49,000 | 6,621 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $69,000 | 6,016 |
| Total noninterest expense | $1,165,000 | 5,436 |
| Salaries and employee benefits | $600,000 | 5,613 |
| Premises and equipment expense | $272,000 | 3,781 |
| Additional noninterest expense | $293,000 | 6,059 |
| Pre-tax net operating income | $519,000 | 5,230 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $177,000 | 4,207 |
| Income before extraordinary items | $342,000 | 5,791 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $342,000 | 5,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $342,000 | 5,579 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,045,000 | 5,623 |
| Total interest expense | $271,000 | 6,247 |
| Net interest income | $774,000 | 5,214 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $49,000 | 7,390 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $22,000 | 6,745 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 6,429 |
| Total noninterest expense | $567,000 | 5,539 |
| Salaries and employee benefits | $299,000 | 5,637 |
| Premises and equipment expense | $137,000 | 3,763 |
| Additional noninterest expense | $131,000 | 6,392 |
| Pre-tax net operating income | $256,000 | 5,213 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $87,000 | 4,199 |
| Income before extraordinary items | $169,000 | 5,731 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $169,000 | 5,731 |
| 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 | $169,000 | 5,533 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,880,000 | 6,002 |
| Total interest expense | $1,174,000 | 6,491 |
| Net interest income | $2,706,000 | 5,645 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $148,000 | 7,847 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $82,000 | 6,901 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $66,000 | 7,179 |
| Total noninterest expense | $2,098,000 | 5,713 |
| Salaries and employee benefits | $1,163,000 | 5,593 |
| Premises and equipment expense | $387,000 | 4,763 |
| Additional noninterest expense | $548,000 | 6,236 |
| Pre-tax net operating income | $756,000 | 5,910 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $260,000 | 4,694 |
| Income before extraordinary items | $502,000 | 6,393 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $502,000 | 6,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $690,000 | 432 |
| Net operating income | $498,040 | 6,255 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,908,000 | 6,431 |
| Total interest expense | $1,871,000 | 6,308 |
| Net interest income | $2,037,000 | 6,380 |
| Provision for loan and lease losses | $303,000 | 3,175 |
| Total noninterest income | $136,000 | 8,019 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $64,000 | 7,308 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $72,000 | 7,063 |
| Total noninterest expense | $1,971,000 | 5,789 |
| Salaries and employee benefits | $1,235,000 | 5,206 |
| Premises and equipment expense | $371,000 | 4,833 |
| Additional noninterest expense | $365,000 | 7,394 |
| Pre-tax net operating income | $-101,000 | 8,866 |
| Securities gains (losses) | $380,000 | 749 |
| Applicable income taxes | $96,000 | 6,057 |
| Income before extraordinary items | $183,000 | 7,841 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $183,000 | 7,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,863 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,370,000 | 360 |
| Net operating income | $-67,800 | 8,860 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,446,000 | 6,136 |
| Total interest expense | $1,994,000 | 6,285 |
| Net interest income | $2,452,000 | 5,890 |
| Provision for loan and lease losses | $43,000 | 6,774 |
| Total noninterest income | $122,000 | 8,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,442 |
| Total noninterest expense | $1,748,000 | 6,157 |
| Salaries and employee benefits | $1,098,000 | 5,563 |
| Premises and equipment expense | $324,000 | 5,196 |
| Additional noninterest expense | $326,000 | 7,743 |
| Pre-tax net operating income | $783,000 | 5,926 |
| Securities gains (losses) | $-18,000 | 8,681 |
| Applicable income taxes | $262,000 | 4,878 |
| Income before extraordinary items | $503,000 | 6,299 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $503,000 | 6,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $514,880 | 6,262 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,448,000 | 6,887 |
| Total interest expense | $1,393,000 | 7,206 |
| Net interest income | $2,055,000 | 6,542 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $120,000 | 8,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,584 |
| Total noninterest expense | $1,629,000 | 6,463 |
| Salaries and employee benefits | $989,000 | 5,936 |
| Premises and equipment expense | $299,000 | 5,478 |
| Additional noninterest expense | $341,000 | 7,783 |
| Pre-tax net operating income | $546,000 | 6,931 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $189,000 | 5,822 |
| Income before extraordinary items | $358,000 | 7,239 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $358,000 | 7,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $357,350 | 7,213 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,396,000 | 7,071 |
| Total interest expense | $1,388,000 | 7,448 |
| Net interest income | $2,008,000 | 6,657 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $129,000 | 8,562 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 6,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,196 |
| Total noninterest expense | $1,494,000 | 6,719 |
| Salaries and employee benefits | $895,000 | 6,226 |
| Premises and equipment expense | $293,000 | 5,454 |
| Additional noninterest expense | $306,000 | 8,065 |
| Pre-tax net operating income | $643,000 | 6,711 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $218,000 | 5,980 |
| Income before extraordinary items | $425,000 | 7,064 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $425,000 | 7,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,619 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $425,000 | 6,969 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 7,476 |
| Total interest expense | $1,194,000 | 8,128 |
| Net interest income | $2,030,000 | 6,855 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $155,000 | 8,496 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 9,280 |
| Total noninterest expense | $1,606,000 | 6,524 |
| Salaries and employee benefits | $945,000 | 6,083 |
| Premises and equipment expense | $322,000 | 5,207 |
| Additional noninterest expense | $339,000 | 7,911 |
| Pre-tax net operating income | $579,000 | 7,516 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $58,000 | 9,128 |
| Income before extraordinary items | $521,000 | 6,856 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $521,000 | 6,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $521,000 | 6,799 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,248,000 | 7,671 |
| Total interest expense | $1,172,000 | 8,469 |
| Net interest income | $2,076,000 | 6,995 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $173,000 | 8,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,308 |
| Total noninterest expense | $1,611,000 | 6,816 |
| Salaries and employee benefits | $955,000 | 6,196 |
| Premises and equipment expense | $312,000 | 5,425 |
| Additional noninterest expense | $344,000 | 8,421 |
| Pre-tax net operating income | $638,000 | 7,242 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $29,000 | 10,047 |
| Income before extraordinary items | $609,000 | 6,217 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $609,000 | 6,220 |
| 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 | $609,000 | 6,163 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,295,000 | 7,811 |
| Total interest expense | $1,221,000 | 8,523 |
| Net interest income | $2,074,000 | 7,136 |
| Provision for loan and lease losses | $-250,000 | 11,833 |
| Total noninterest income | $205,000 | 8,342 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,382 |
| Total noninterest expense | $1,708,000 | 6,716 |
| Salaries and employee benefits | $965,000 | 6,223 |
| Premises and equipment expense | $302,000 | 5,593 |
| Additional noninterest expense | $441,000 | 7,787 |
| Pre-tax net operating income | $821,000 | 6,750 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-35,000 | 11,604 |
| Income before extraordinary items | $856,000 | 5,190 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $856,000 | 5,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,150 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 741 |
| Net operating income | $856,000 | 5,176 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,787,000 | 8,400 |
| Total interest expense | $870,000 | 9,256 |
| Net interest income | $1,917,000 | 7,757 |
| Provision for loan and lease losses | $-15,000 | 11,800 |
| Total noninterest income | $233,000 | 8,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 6,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $2,133,000 | 5,887 |
| Salaries and employee benefits | $1,071,000 | 5,768 |
| Premises and equipment expense | $310,000 | 5,563 |
| Additional noninterest expense | $752,000 | 5,984 |
| Pre-tax net operating income | $32,000 | 11,982 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-43,000 | 12,192 |
| Income before extraordinary items | $75,000 | 11,617 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $75,000 | 11,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 11,354 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $222,000 | 671 |
| Net operating income | $75,000 | 11,660 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,269,000 | 9,633 |
| Total interest expense | $696,000 | 10,610 |
| Net interest income | $1,573,000 | 8,889 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $404,000 | 6,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $242,000 | 5,092 |
| Total noninterest expense | $2,059,000 | 6,179 |
| Salaries and employee benefits | $1,009,000 | 6,080 |
| Premises and equipment expense | $356,000 | 5,161 |
| Additional noninterest expense | $694,000 | 6,607 |
| Pre-tax net operating income | $-172,000 | 12,674 |
| Securities gains (losses) | $35,000 | 3,910 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-137,000 | 12,696 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-137,000 | 12,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-172,000 | 12,651 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,385,000 | 10,123 |
| Total interest expense | $903,000 | 10,858 |
| Net interest income | $1,482,000 | 9,330 |
| Provision for loan and lease losses | $362,000 | 3,675 |
| Total noninterest income | $332,000 | 7,326 |
| 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 | $138,000 | 6,940 |
| Total noninterest expense | $1,896,000 | 6,672 |
| Salaries and employee benefits | $827,000 | 7,090 |
| Premises and equipment expense | $467,000 | 4,217 |
| Additional noninterest expense | $602,000 | 7,489 |
| Pre-tax net operating income | $-444,000 | 13,258 |
| Securities gains (losses) | $117,000 | 2,758 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-327,000 | 13,272 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-327,000 | 13,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $413,000 | 2,772 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-444,000 | 13,246 |
* 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.