Home > Cumberland Bank > Income and Expense
Cumberland Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $14,997,000 | 704 |
| Total interest expense | $8,396,000 | 602 |
| Net interest income | $6,601,000 | 845 |
| Provision for loan and lease losses | $442,000 | 584 |
| Total noninterest income | $1,447,000 | 979 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $681,000 | 616 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $766,000 | 1,019 |
| Total noninterest expense | $5,255,000 | 883 |
| Salaries and employee benefits | $2,735,000 | 931 |
| Premises and equipment expense | $711,000 | 933 |
| Additional noninterest expense | $1,809,000 | 769 |
| Pre-tax net operating income | $2,351,000 | 1,001 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $777,000 | 893 |
| Income before extraordinary items | $1,574,000 | 1,117 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,574,000 | 1,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 1,571 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,574,000 | 1,099 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $53,424,000 | 719 |
| Total interest expense | $28,082,000 | 613 |
| Net interest income | $25,342,000 | 871 |
| Provision for loan and lease losses | $2,375,000 | 485 |
| Total noninterest income | $5,808,000 | 962 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,773,000 | 618 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,035,000 | 991 |
| Total noninterest expense | $21,590,000 | 819 |
| Salaries and employee benefits | $10,992,000 | 878 |
| Premises and equipment expense | $2,814,000 | 902 |
| Additional noninterest expense | $7,784,000 | 696 |
| Pre-tax net operating income | $7,185,000 | 1,370 |
| Securities gains (losses) | $63,000 | 637 |
| Applicable income taxes | $2,312,000 | 1,188 |
| Income before extraordinary items | $4,936,000 | 1,481 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,936,000 | 1,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $842,000 | 801 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,893,160 | 1,471 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $38,439,000 | 750 |
| Total interest expense | $19,911,000 | 631 |
| Net interest income | $18,528,000 | 915 |
| Provision for loan and lease losses | $2,068,000 | 387 |
| Total noninterest income | $4,349,000 | 982 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,087,000 | 617 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,262,000 | 1,006 |
| Total noninterest expense | $15,898,000 | 843 |
| Salaries and employee benefits | $7,987,000 | 911 |
| Premises and equipment expense | $1,821,000 | 1,044 |
| Additional noninterest expense | $6,090,000 | 683 |
| Pre-tax net operating income | $4,911,000 | 1,528 |
| Securities gains (losses) | $61,000 | 523 |
| Applicable income taxes | $1,561,000 | 1,355 |
| Income before extraordinary items | $3,411,000 | 1,628 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,411,000 | 1,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $821,000 | 547 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,368,910 | 1,636 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $24,309,000 | 770 |
| Total interest expense | $12,271,000 | 649 |
| Net interest income | $12,038,000 | 946 |
| Provision for loan and lease losses | $818,000 | 637 |
| Total noninterest income | $2,727,000 | 1,032 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,324,000 | 650 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,403,000 | 1,062 |
| Total noninterest expense | $10,455,000 | 854 |
| Salaries and employee benefits | $5,245,000 | 927 |
| Premises and equipment expense | $1,381,000 | 915 |
| Additional noninterest expense | $3,829,000 | 722 |
| Pre-tax net operating income | $3,492,000 | 1,443 |
| Securities gains (losses) | $5,000 | 842 |
| Applicable income taxes | $1,113,000 | 1,282 |
| Income before extraordinary items | $2,384,000 | 1,545 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,384,000 | 1,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 991 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,380,600 | 1,532 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,653,000 | 784 |
| Total interest expense | $5,731,000 | 650 |
| Net interest income | $5,922,000 | 958 |
| Provision for loan and lease losses | $328,000 | 728 |
| Total noninterest income | $1,239,000 | 1,089 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $608,000 | 690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $631,000 | 1,138 |
| Total noninterest expense | $5,305,000 | 841 |
| Salaries and employee benefits | $2,576,000 | 946 |
| Premises and equipment expense | $705,000 | 899 |
| Additional noninterest expense | $2,024,000 | 683 |
| Pre-tax net operating income | $1,528,000 | 1,603 |
| Securities gains (losses) | $14,000 | 520 |
| Applicable income taxes | $483,000 | 1,438 |
| Income before extraordinary items | $1,059,000 | 1,690 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,059,000 | 1,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 1,440 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,049,340 | 1,694 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $40,181,000 | 800 |
| Total interest expense | $17,977,000 | 638 |
| Net interest income | $22,204,000 | 962 |
| Provision for loan and lease losses | $993,000 | 1,048 |
| Total noninterest income | $6,067,000 | 934 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,743,000 | 622 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,324,000 | 943 |
| Total noninterest expense | $21,193,000 | 798 |
| Salaries and employee benefits | $8,751,000 | 1,055 |
| Premises and equipment expense | $2,404,000 | 1,000 |
| Additional noninterest expense | $10,038,000 | 557 |
| Pre-tax net operating income | $6,085,000 | 1,566 |
| Securities gains (losses) | $98,000 | 711 |
| Applicable income taxes | $1,937,000 | 1,400 |
| Income before extraordinary items | $4,246,000 | 1,656 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,246,000 | 1,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $607,000 | 985 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,178,380 | 1,658 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,266,000 | 803 |
| Total interest expense | $12,803,000 | 629 |
| Net interest income | $16,463,000 | 962 |
| Provision for loan and lease losses | $863,000 | 874 |
| Total noninterest income | $4,694,000 | 904 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,090,000 | 603 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,604,000 | 927 |
| Total noninterest expense | $15,811,000 | 798 |
| Salaries and employee benefits | $6,577,000 | 1,043 |
| Premises and equipment expense | $1,805,000 | 986 |
| Additional noninterest expense | $7,429,000 | 558 |
| Pre-tax net operating income | $4,483,000 | 1,593 |
| Securities gains (losses) | $98,000 | 668 |
| Applicable income taxes | $1,461,000 | 1,411 |
| Income before extraordinary items | $3,120,000 | 1,691 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,120,000 | 1,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $554,000 | 772 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,053,360 | 1,697 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,105,000 | 801 |
| Total interest expense | $8,137,000 | 620 |
| Net interest income | $10,968,000 | 949 |
| Provision for loan and lease losses | $538,000 | 925 |
| Total noninterest income | $2,997,000 | 928 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,384,000 | 600 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,613,000 | 952 |
| Total noninterest expense | $10,245,000 | 817 |
| Salaries and employee benefits | $4,356,000 | 1,045 |
| Premises and equipment expense | $1,185,000 | 995 |
| Additional noninterest expense | $4,704,000 | 586 |
| Pre-tax net operating income | $3,182,000 | 1,467 |
| Securities gains (losses) | $93,000 | 594 |
| Applicable income taxes | $1,063,000 | 1,304 |
| Income before extraordinary items | $2,212,000 | 1,555 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,212,000 | 1,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 946 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,148,760 | 1,574 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,147,000 | 826 |
| Total interest expense | $3,892,000 | 616 |
| Net interest income | $5,255,000 | 986 |
| Provision for loan and lease losses | $333,000 | 694 |
| Total noninterest income | $1,416,000 | 948 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $688,000 | 580 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $728,000 | 1,014 |
| Total noninterest expense | $5,143,000 | 807 |
| Salaries and employee benefits | $2,141,000 | 1,058 |
| Premises and equipment expense | $542,000 | 1,106 |
| Additional noninterest expense | $2,460,000 | 556 |
| Pre-tax net operating income | $1,195,000 | 1,891 |
| Securities gains (losses) | $14,000 | 908 |
| Applicable income taxes | $366,000 | 1,713 |
| Income before extraordinary items | $843,000 | 1,993 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $843,000 | 1,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 809 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $833,200 | 1,979 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $30,645,000 | 915 |
| Total interest expense | $11,530,000 | 719 |
| Net interest income | $19,115,000 | 1,042 |
| Provision for loan and lease losses | $1,079,000 | 982 |
| Total noninterest income | $4,420,000 | 1,185 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,713,000 | 650 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,707,000 | 1,488 |
| Total noninterest expense | $18,265,000 | 896 |
| Salaries and employee benefits | $6,545,000 | 1,348 |
| Premises and equipment expense | $2,015,000 | 1,137 |
| Additional noninterest expense | $9,705,000 | 564 |
| Pre-tax net operating income | $4,191,000 | 1,976 |
| Securities gains (losses) | $556,000 | 426 |
| Applicable income taxes | $1,537,000 | 1,575 |
| Income before extraordinary items | $3,210,000 | 1,949 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,210,000 | 1,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,698,000 | 524 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,831,920 | 2,137 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,093,000 | 944 |
| Total interest expense | $8,059,000 | 754 |
| Net interest income | $14,034,000 | 1,054 |
| Provision for loan and lease losses | $707,000 | 1,076 |
| Total noninterest income | $3,219,000 | 1,233 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,075,000 | 639 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,144,000 | 1,608 |
| Total noninterest expense | $13,513,000 | 905 |
| Salaries and employee benefits | $4,799,000 | 1,375 |
| Premises and equipment expense | $1,505,000 | 1,145 |
| Additional noninterest expense | $7,209,000 | 571 |
| Pre-tax net operating income | $3,033,000 | 2,057 |
| Securities gains (losses) | $548,000 | 400 |
| Applicable income taxes | $1,189,000 | 1,554 |
| Income before extraordinary items | $2,392,000 | 1,967 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,392,000 | 1,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,109,000 | 526 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,024,840 | 2,237 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,089,000 | 1,969 |
| Total interest expense | $2,739,000 | 1,451 |
| Net interest income | $4,350,000 | 2,297 |
| Provision for loan and lease losses | $216,000 | 2,067 |
| Total noninterest income | $639,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $413,000 | 2,096 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $226,000 | 3,513 |
| Total noninterest expense | $3,679,000 | 2,167 |
| Salaries and employee benefits | $1,472,000 | 2,883 |
| Premises and equipment expense | $394,000 | 2,823 |
| Additional noninterest expense | $1,813,000 | 1,341 |
| Pre-tax net operating income | $1,094,000 | 3,329 |
| Securities gains (losses) | $362,000 | 429 |
| Applicable income taxes | $477,000 | 2,275 |
| Income before extraordinary items | $979,000 | 2,980 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $979,000 | 2,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 1,260 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $736,460 | 3,650 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,524,000 | 1,992 |
| Total interest expense | $1,389,000 | 1,445 |
| Net interest income | $2,135,000 | 2,333 |
| Provision for loan and lease losses | $241,000 | 988 |
| Total noninterest income | $312,000 | 3,023 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $209,000 | 1,993 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $103,000 | 3,651 |
| Total noninterest expense | $1,757,000 | 2,264 |
| Salaries and employee benefits | $686,000 | 3,087 |
| Premises and equipment expense | $185,000 | 3,008 |
| Additional noninterest expense | $886,000 | 1,363 |
| Pre-tax net operating income | $449,000 | 3,790 |
| Securities gains (losses) | $181,000 | 541 |
| Applicable income taxes | $197,000 | 2,609 |
| Income before extraordinary items | $433,000 | 3,298 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $433,000 | 3,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 831 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $308,110 | 4,076 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,451,000 | 2,307 |
| Total interest expense | $4,847,000 | 1,849 |
| Net interest income | $7,604,000 | 2,535 |
| Provision for loan and lease losses | $832,000 | 1,409 |
| Total noninterest income | $1,349,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $732,000 | 2,275 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $617,000 | 3,201 |
| Total noninterest expense | $6,217,000 | 2,519 |
| Salaries and employee benefits | $2,678,000 | 3,077 |
| Premises and equipment expense | $679,000 | 3,160 |
| Additional noninterest expense | $2,860,000 | 1,692 |
| Pre-tax net operating income | $1,904,000 | 3,501 |
| Securities gains (losses) | $28,000 | 2,979 |
| Applicable income taxes | $713,000 | 2,758 |
| Income before extraordinary items | $1,219,000 | 4,103 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,219,000 | 4,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,477 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,201,080 | 3,980 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,802,000 | 2,471 |
| Total interest expense | $3,425,000 | 2,037 |
| Net interest income | $5,377,000 | 2,703 |
| Provision for loan and lease losses | $538,000 | 1,570 |
| Total noninterest income | $1,018,000 | 3,094 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $525,000 | 2,365 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $493,000 | 3,165 |
| Total noninterest expense | $4,495,000 | 2,614 |
| Salaries and employee benefits | $2,075,000 | 2,988 |
| Premises and equipment expense | $493,000 | 3,256 |
| Additional noninterest expense | $1,927,000 | 1,861 |
| Pre-tax net operating income | $1,362,000 | 3,736 |
| Securities gains (losses) | $20,000 | 2,954 |
| Applicable income taxes | $528,000 | 2,935 |
| Income before extraordinary items | $854,000 | 4,434 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $854,000 | 4,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,773 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $841,200 | 4,302 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,688,000 | 2,565 |
| Total interest expense | $2,171,000 | 2,199 |
| Net interest income | $3,517,000 | 2,756 |
| Provision for loan and lease losses | $169,000 | 2,837 |
| Total noninterest income | $678,000 | 3,079 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $338,000 | 2,413 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $340,000 | 3,067 |
| Total noninterest expense | $2,880,000 | 2,697 |
| Salaries and employee benefits | $1,398,000 | 2,968 |
| Premises and equipment expense | $319,000 | 3,316 |
| Additional noninterest expense | $1,163,000 | 2,058 |
| Pre-tax net operating income | $1,146,000 | 3,196 |
| Securities gains (losses) | $8,000 | 3,037 |
| Applicable income taxes | $442,000 | 2,505 |
| Income before extraordinary items | $712,000 | 3,813 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $712,000 | 3,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,628 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $706,880 | 3,646 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,851,000 | 2,566 |
| Total interest expense | $1,059,000 | 2,299 |
| Net interest income | $1,792,000 | 2,695 |
| Provision for loan and lease losses | $109,000 | 2,231 |
| Total noninterest income | $335,000 | 2,996 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $156,000 | 2,505 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $179,000 | 2,909 |
| Total noninterest expense | $1,372,000 | 2,799 |
| Salaries and employee benefits | $733,000 | 2,841 |
| Premises and equipment expense | $162,000 | 3,275 |
| Additional noninterest expense | $477,000 | 2,440 |
| Pre-tax net operating income | $646,000 | 2,908 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $246,000 | 2,342 |
| Income before extraordinary items | $400,000 | 3,453 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $400,000 | 3,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $400,000 | 3,290 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,996,000 | 3,021 |
| Total interest expense | $3,808,000 | 2,867 |
| Net interest income | $6,188,000 | 3,064 |
| Provision for loan and lease losses | $610,000 | 2,028 |
| Total noninterest income | $1,062,000 | 3,334 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $577,000 | 2,639 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $485,000 | 3,339 |
| Total noninterest expense | $4,684,000 | 3,100 |
| Salaries and employee benefits | $2,581,000 | 3,039 |
| Premises and equipment expense | $593,000 | 3,445 |
| Additional noninterest expense | $1,510,000 | 2,945 |
| Pre-tax net operating income | $1,956,000 | 3,487 |
| Securities gains (losses) | $109,000 | 1,657 |
| Applicable income taxes | $792,000 | 2,612 |
| Income before extraordinary items | $1,273,000 | 3,932 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,273,000 | 3,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,685 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,203,240 | 3,975 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,808,000 | 3,100 |
| Total interest expense | $5,585,000 | 2,844 |
| Net interest income | $5,223,000 | 3,320 |
| Provision for loan and lease losses | $621,000 | 1,844 |
| Total noninterest income | $1,075,000 | 3,173 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $514,000 | 2,782 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $561,000 | 2,942 |
| Total noninterest expense | $4,222,000 | 3,265 |
| Salaries and employee benefits | $2,328,000 | 3,147 |
| Premises and equipment expense | $633,000 | 3,223 |
| Additional noninterest expense | $1,261,000 | 3,345 |
| Pre-tax net operating income | $1,455,000 | 3,936 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $554,000 | 3,131 |
| Income before extraordinary items | $901,000 | 4,567 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $901,000 | 4,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,993 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $901,000 | 4,449 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,430,000 | 3,572 |
| Total interest expense | $4,873,000 | 3,398 |
| Net interest income | $4,557,000 | 3,751 |
| Provision for loan and lease losses | $182,000 | 3,925 |
| Total noninterest income | $780,000 | 3,718 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $599,000 | 2,631 |
| Total noninterest expense | $3,896,000 | 3,407 |
| Salaries and employee benefits | $2,280,000 | 3,079 |
| Premises and equipment expense | $542,000 | 3,559 |
| Additional noninterest expense | $1,074,000 | 3,771 |
| Pre-tax net operating income | $1,259,000 | 4,602 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $479,000 | 3,584 |
| Income before extraordinary items | $780,000 | 5,116 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $780,000 | 5,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,720 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $780,000 | 5,115 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,023,000 | 4,383 |
| Total interest expense | $3,454,000 | 4,097 |
| Net interest income | $3,569,000 | 4,590 |
| Provision for loan and lease losses | $311,000 | 2,573 |
| Total noninterest income | $609,000 | 4,384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $511,000 | 2,917 |
| Total noninterest expense | $3,289,000 | 3,900 |
| Salaries and employee benefits | $1,790,000 | 3,759 |
| Premises and equipment expense | $517,000 | 3,657 |
| Additional noninterest expense | $982,000 | 4,075 |
| Pre-tax net operating income | $578,000 | 6,794 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $231,000 | 5,393 |
| Income before extraordinary items | $347,000 | 7,306 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $347,000 | 7,308 |
| 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 | $347,000 | 7,277 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,815,000 | 5,121 |
| Total interest expense | $3,262,000 | 4,418 |
| Net interest income | $2,553,000 | 5,768 |
| Provision for loan and lease losses | $139,000 | 4,351 |
| Total noninterest income | $568,000 | 4,557 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 8,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $524,000 | 2,895 |
| Total noninterest expense | $2,418,000 | 4,882 |
| Salaries and employee benefits | $1,203,000 | 5,065 |
| Premises and equipment expense | $466,000 | 3,900 |
| Additional noninterest expense | $749,000 | 4,902 |
| Pre-tax net operating income | $564,000 | 7,091 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $226,000 | 5,875 |
| Income before extraordinary items | $338,000 | 7,602 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $338,000 | 7,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,328 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $875,000 | 488 |
| Net operating income | $338,000 | 7,520 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,253,000 | 8,702 |
| Total interest expense | $1,221,000 | 8,056 |
| Net interest income | $1,032,000 | 9,109 |
| Provision for loan and lease losses | $137,000 | 4,339 |
| Total noninterest income | $135,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 9,265 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,194 |
| Total noninterest expense | $947,000 | 8,522 |
| Salaries and employee benefits | $467,000 | 8,842 |
| Premises and equipment expense | $213,000 | 6,604 |
| Additional noninterest expense | $267,000 | 8,663 |
| Pre-tax net operating income | $83,000 | 10,129 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $54,000 | 9,200 |
| Income before extraordinary items | $29,000 | 10,326 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $29,000 | 10,328 |
| 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 | $1,450,000 | 412 |
| Net operating income | $29,000 | 10,289 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,241,000 | 9,036 |
| Total interest expense | $1,196,000 | 8,388 |
| Net interest income | $1,045,000 | 9,430 |
| Provision for loan and lease losses | $124,000 | 4,529 |
| Total noninterest income | $243,000 | 7,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $243,000 | 4,611 |
| Total noninterest expense | $1,502,000 | 7,102 |
| Salaries and employee benefits | $824,000 | 6,863 |
| Premises and equipment expense | $314,000 | 5,403 |
| Additional noninterest expense | $364,000 | 8,218 |
| Pre-tax net operating income | $-338,000 | 11,160 |
| Securities gains (losses) | $122,000 | 880 |
| Applicable income taxes | $-53,000 | 11,079 |
| Income before extraordinary items | $-163,000 | 11,073 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-163,000 | 11,073 |
| 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 | $-254,500 | 11,114 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,142,000 | 11,045 |
| Total interest expense | $619,000 | 10,607 |
| Net interest income | $523,000 | 11,350 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $115,000 | 9,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $115,000 | 6,773 |
| Total noninterest expense | $600,000 | 10,567 |
| Salaries and employee benefits | $319,000 | 10,599 |
| Premises and equipment expense | $148,000 | 8,330 |
| Additional noninterest expense | $133,000 | 11,278 |
| Pre-tax net operating income | $28,000 | 11,394 |
| Securities gains (losses) | $135,000 | 826 |
| Applicable income taxes | $56,000 | 10,067 |
| Income before extraordinary items | $107,000 | 10,870 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $107,000 | 10,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $17,900 | 11,410 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $698,000 | 12,203 |
| Total interest expense | $325,000 | 11,928 |
| Net interest income | $373,000 | 12,286 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $10,000 | 12,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $10,000 | 12,083 |
| Total noninterest expense | $549,000 | 11,357 |
| Salaries and employee benefits | $291,000 | 11,293 |
| Premises and equipment expense | $108,000 | 9,773 |
| Additional noninterest expense | $154,000 | 11,740 |
| Pre-tax net operating income | $-190,000 | 12,258 |
| Securities gains (losses) | $123,000 | 689 |
| Applicable income taxes | $-37,000 | 12,178 |
| Income before extraordinary items | $-30,000 | 12,081 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-30,000 | 12,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-108,720 | 12,181 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $617,000 | 12,922 |
| Total interest expense | $312,000 | 12,626 |
| Net interest income | $305,000 | 13,003 |
| Provision for loan and lease losses | $44,000 | 7,799 |
| Total noninterest income | $81,000 | 11,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $81,000 | 8,582 |
| Total noninterest expense | $299,000 | 12,986 |
| Salaries and employee benefits | $170,000 | 12,855 |
| Premises and equipment expense | $51,000 | 12,175 |
| Additional noninterest expense | $78,000 | 13,095 |
| Pre-tax net operating income | $43,000 | 12,214 |
| Securities gains (losses) | $215,000 | 1,613 |
| Applicable income taxes | $103,000 | 9,654 |
| Income before extraordinary items | $155,000 | 11,135 |
| Extraordinary gains, net | $-100,000 | 12,917 |
| Net income | $55,000 | 12,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $510,000 | 3,011 |
| Sale, conversion, retirement of capital stock, net | $340,000 | 677 |
| Net operating income | $17,400 | 12,304 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $736,000 | 13,440 |
| Total interest expense | $468,000 | 12,893 |
| Net interest income | $268,000 | 13,679 |
| Provision for loan and lease losses | $11,000 | 11,121 |
| Total noninterest income | $153,000 | 10,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $153,000 | 6,572 |
| Total noninterest expense | $351,000 | 13,398 |
| Salaries and employee benefits | $202,000 | 13,135 |
| Premises and equipment expense | $48,000 | 12,755 |
| Additional noninterest expense | $101,000 | 13,517 |
| Pre-tax net operating income | $59,000 | 12,361 |
| Securities gains (losses) | $211,000 | 1,946 |
| Applicable income taxes | $104,000 | 9,806 |
| Income before extraordinary items | $166,000 | 11,048 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $166,000 | 11,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $30,960 | 12,463 |
* 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.