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County Bank, Income and Expense
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,362,000 | 1,770 |
| Total interest expense | $5,941,000 | 2,488 |
| Net interest income | $12,421,000 | 1,404 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $1,645,000 | 2,149 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $589,000 | 2,272 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,056,000 | 1,794 |
| Total noninterest expense | $7,632,000 | 1,810 |
| Salaries and employee benefits | $4,694,000 | 1,468 |
| Premises and equipment expense | $1,201,000 | 1,708 |
| Additional noninterest expense | $1,737,000 | 2,496 |
| Pre-tax net operating income | $6,134,000 | 1,250 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,147,000 | 1,159 |
| Income before extraordinary items | $3,987,000 | 1,354 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,987,000 | 1,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 3,975 |
| Cash dividends | $109,000 | 6,005 |
| Sale, conversion, retirement of capital stock, net | $2,515,000 | 394 |
| Net operating income | $3,987,000 | 1,333 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,129,000 | 2,020 |
| Total interest expense | $5,412,000 | 2,780 |
| Net interest income | $10,717,000 | 1,575 |
| Provision for loan and lease losses | $440,000 | 1,913 |
| Total noninterest income | $1,625,000 | 2,137 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $522,000 | 2,459 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,103,000 | 1,727 |
| Total noninterest expense | $6,923,000 | 1,877 |
| Salaries and employee benefits | $4,143,000 | 1,607 |
| Premises and equipment expense | $1,227,000 | 1,600 |
| Additional noninterest expense | $1,553,000 | 2,687 |
| Pre-tax net operating income | $4,979,000 | 1,483 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,820,000 | 1,382 |
| Income before extraordinary items | $3,159,000 | 1,675 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,159,000 | 1,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,244 |
| Cash dividends | $95,000 | 6,355 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 924 |
| Net operating income | $3,159,000 | 1,605 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,424,000 | 2,635 |
| Total interest expense | $4,389,000 | 3,368 |
| Net interest income | $8,035,000 | 2,187 |
| Provision for loan and lease losses | $280,000 | 2,757 |
| Total noninterest income | $1,043,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $361,000 | 3,514 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $682,000 | 2,255 |
| Total noninterest expense | $5,444,000 | 2,368 |
| Salaries and employee benefits | $3,197,000 | 2,060 |
| Premises and equipment expense | $1,085,000 | 1,828 |
| Additional noninterest expense | $1,162,000 | 3,439 |
| Pre-tax net operating income | $3,354,000 | 2,253 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,252,000 | 2,000 |
| Income before extraordinary items | $2,102,000 | 2,476 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,102,000 | 2,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,290 |
| Cash dividends | $94,000 | 6,625 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 913 |
| Net operating income | $2,102,000 | 2,414 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,222,000 | 3,532 |
| Total interest expense | $3,334,000 | 4,368 |
| Net interest income | $5,888,000 | 3,012 |
| Provision for loan and lease losses | $400,000 | 2,077 |
| Total noninterest income | $649,000 | 4,325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 4,950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $408,000 | 3,367 |
| Total noninterest expense | $4,062,000 | 3,305 |
| Salaries and employee benefits | $2,356,000 | 2,843 |
| Premises and equipment expense | $763,000 | 2,570 |
| Additional noninterest expense | $943,000 | 4,613 |
| Pre-tax net operating income | $2,075,000 | 3,317 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $470,000 | 4,359 |
| Income before extraordinary items | $1,605,000 | 2,999 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,605,000 | 3,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,737 |
| Cash dividends | $81,000 | 7,018 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 777 |
| Net operating income | $1,605,000 | 2,963 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,704,000 | 4,728 |
| Total interest expense | $2,286,000 | 5,917 |
| Net interest income | $4,418,000 | 3,971 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $439,000 | 5,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $284,000 | 4,134 |
| Total noninterest expense | $3,126,000 | 4,128 |
| Salaries and employee benefits | $1,741,000 | 3,748 |
| Premises and equipment expense | $655,000 | 2,985 |
| Additional noninterest expense | $730,000 | 5,655 |
| Pre-tax net operating income | $1,581,000 | 4,267 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $378,000 | 5,146 |
| Income before extraordinary items | $1,203,000 | 3,950 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,203,000 | 3,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,504 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 721 |
| Net operating income | $1,203,000 | 3,934 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,046,000 | 6,640 |
| Total interest expense | $974,000 | 8,806 |
| Net interest income | $3,072,000 | 5,521 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $381,000 | 6,322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $252,000 | 4,576 |
| Total noninterest expense | $2,803,000 | 4,674 |
| Salaries and employee benefits | $1,434,000 | 4,454 |
| Premises and equipment expense | $591,000 | 3,316 |
| Additional noninterest expense | $778,000 | 5,835 |
| Pre-tax net operating income | $650,000 | 7,718 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-43,000 | 12,192 |
| Income before extraordinary items | $693,000 | 5,962 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $693,000 | 5,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,843 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $2,753,000 | 254 |
| Net operating income | $693,000 | 6,020 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,679,000 | 8,858 |
| Total interest expense | $855,000 | 9,765 |
| Net interest income | $1,824,000 | 8,175 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $226,000 | 8,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 7,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 7,802 |
| Total noninterest expense | $1,943,000 | 6,494 |
| Salaries and employee benefits | $943,000 | 6,454 |
| Premises and equipment expense | $303,000 | 5,803 |
| Additional noninterest expense | $697,000 | 6,584 |
| Pre-tax net operating income | $67,000 | 12,072 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $67,000 | 12,122 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $67,000 | 12,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 2,135 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $2,550,000 | 303 |
| Net operating income | $67,000 | 11,967 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,149,000 | 8,720 |
| Total interest expense | $1,271,000 | 9,356 |
| Net interest income | $1,878,000 | 8,111 |
| Provision for loan and lease losses | $834,000 | 2,103 |
| Total noninterest income | $242,000 | 8,633 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 7,627 |
| Total noninterest expense | $1,533,000 | 7,791 |
| Salaries and employee benefits | $690,000 | 8,066 |
| Premises and equipment expense | $234,000 | 7,098 |
| Additional noninterest expense | $609,000 | 7,430 |
| Pre-tax net operating income | $-247,000 | 13,133 |
| Securities gains (losses) | $48,000 | 4,198 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-199,000 | 13,180 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-199,000 | 13,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 2,845 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $502,000 | 548 |
| Net operating income | $-247,000 | 13,101 |
* 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.