Home > Elmira Savings and Loan FA > Income and Expense
Elmira Savings and Loan FA, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,541,000 | 2,807 |
| Total interest expense | $2,976,000 | 2,454 |
| Net interest income | $3,565,000 | 3,088 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $155,000 | 6,175 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $155,000 | 4,244 |
| Total noninterest expense | $2,118,000 | 3,820 |
| Salaries and employee benefits | $1,413,000 | 3,299 |
| Premises and equipment expense | $422,000 | 2,868 |
| Additional noninterest expense | $283,000 | 6,250 |
| Pre-tax net operating income | $1,602,000 | 2,746 |
| Securities gains (losses) | $269,000 | 227 |
| Applicable income taxes | $657,000 | 1,930 |
| Income before extraordinary items | $1,214,000 | 2,773 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,214,000 | 2,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,377 |
| Cash dividends | $600,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,039,150 | 3,114 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 2,810 |
| Total interest expense | $1,404,000 | 2,462 |
| Net interest income | $1,799,000 | 3,059 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $85,000 | 5,947 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,010 |
| Total noninterest expense | $1,063,000 | 3,823 |
| Salaries and employee benefits | $719,000 | 3,259 |
| Premises and equipment expense | $216,000 | 2,823 |
| Additional noninterest expense | $128,000 | 6,492 |
| Pre-tax net operating income | $821,000 | 2,656 |
| Securities gains (losses) | $124,000 | 230 |
| Applicable income taxes | $337,000 | 1,862 |
| Income before extraordinary items | $608,000 | 2,711 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $608,000 | 2,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 769 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $528,640 | 3,010 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,398,000 | 2,644 |
| Total interest expense | $4,973,000 | 2,206 |
| Net interest income | $7,425,000 | 2,888 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $1,060,000 | 3,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,060,000 | 2,127 |
| Total noninterest expense | $4,485,000 | 3,549 |
| Salaries and employee benefits | $2,877,000 | 3,086 |
| Premises and equipment expense | $867,000 | 2,682 |
| Additional noninterest expense | $741,000 | 5,428 |
| Pre-tax net operating income | $3,880,000 | 2,274 |
| Securities gains (losses) | $620,000 | 250 |
| Applicable income taxes | $1,532,000 | 1,682 |
| Income before extraordinary items | $2,968,000 | 2,268 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,968,000 | 2,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,012 |
| Cash dividends | $1,200,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,558,800 | 2,528 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,196,000 | 2,608 |
| Total interest expense | $3,611,000 | 2,161 |
| Net interest income | $5,585,000 | 2,861 |
| Provision for loan and lease losses | $120,000 | 3,874 |
| Total noninterest income | $919,000 | 3,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $919,000 | 1,929 |
| Total noninterest expense | $3,276,000 | 3,594 |
| Salaries and employee benefits | $2,055,000 | 3,200 |
| Premises and equipment expense | $673,000 | 2,587 |
| Additional noninterest expense | $548,000 | 5,425 |
| Pre-tax net operating income | $3,108,000 | 2,174 |
| Securities gains (losses) | $493,000 | 264 |
| Applicable income taxes | $1,280,000 | 1,560 |
| Income before extraordinary items | $2,321,000 | 2,205 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,321,000 | 2,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,193 |
| Cash dividends | $900,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,005,480 | 2,452 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,029,000 | 2,590 |
| Total interest expense | $2,339,000 | 2,108 |
| Net interest income | $3,690,000 | 2,862 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $757,000 | 2,639 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $757,000 | 1,645 |
| Total noninterest expense | $2,068,000 | 3,710 |
| Salaries and employee benefits | $1,295,000 | 3,343 |
| Premises and equipment expense | $435,000 | 2,637 |
| Additional noninterest expense | $338,000 | 5,645 |
| Pre-tax net operating income | $2,259,000 | 1,985 |
| Securities gains (losses) | $322,000 | 324 |
| Applicable income taxes | $935,000 | 1,436 |
| Income before extraordinary items | $1,646,000 | 2,050 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,646,000 | 2,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,464 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,439,920 | 2,265 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,981,000 | 2,584 |
| Total interest expense | $1,129,000 | 2,086 |
| Net interest income | $1,852,000 | 2,846 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $319,000 | 2,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $319,000 | 1,821 |
| Total noninterest expense | $1,160,000 | 3,403 |
| Salaries and employee benefits | $745,000 | 2,943 |
| Premises and equipment expense | $218,000 | 2,657 |
| Additional noninterest expense | $197,000 | 5,135 |
| Pre-tax net operating income | $1,011,000 | 2,156 |
| Securities gains (losses) | $189,000 | 262 |
| Applicable income taxes | $435,000 | 1,511 |
| Income before extraordinary items | $765,000 | 2,166 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $765,000 | 2,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $644,040 | 2,428 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,901,000 | 2,413 |
| Total interest expense | $4,506,000 | 1,804 |
| Net interest income | $7,395,000 | 2,740 |
| Provision for loan and lease losses | $555,000 | 1,797 |
| Total noninterest income | $670,000 | 4,518 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $670,000 | 2,780 |
| Total noninterest expense | $4,957,000 | 3,144 |
| Salaries and employee benefits | $3,218,000 | 2,673 |
| Premises and equipment expense | $868,000 | 2,601 |
| Additional noninterest expense | $871,000 | 4,813 |
| Pre-tax net operating income | $2,553,000 | 2,963 |
| Securities gains (losses) | $1,255,000 | 242 |
| Applicable income taxes | $1,299,000 | 1,797 |
| Income before extraordinary items | $2,509,000 | 2,426 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,509,000 | 2,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,243,000 | 662 |
| Cash dividends | $1,400,000 | 1,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,680,700 | 3,280 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,893,000 | 2,387 |
| Total interest expense | $3,378,000 | 1,776 |
| Net interest income | $5,515,000 | 2,721 |
| Provision for loan and lease losses | $555,000 | 1,322 |
| Total noninterest income | $517,000 | 4,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $517,000 | 2,738 |
| Total noninterest expense | $3,716,000 | 3,115 |
| Salaries and employee benefits | $2,420,000 | 2,641 |
| Premises and equipment expense | $632,000 | 2,653 |
| Additional noninterest expense | $664,000 | 4,715 |
| Pre-tax net operating income | $1,761,000 | 3,193 |
| Securities gains (losses) | $960,000 | 278 |
| Applicable income taxes | $916,000 | 1,918 |
| Income before extraordinary items | $1,805,000 | 2,556 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,805,000 | 2,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,243,000 | 491 |
| Cash dividends | $1,100,000 | 1,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,171,400 | 3,535 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,945,000 | 2,372 |
| Total interest expense | $2,252,000 | 1,766 |
| Net interest income | $3,693,000 | 2,692 |
| Provision for loan and lease losses | $525,000 | 940 |
| Total noninterest income | $234,000 | 5,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $234,000 | 3,440 |
| Total noninterest expense | $2,483,000 | 3,117 |
| Salaries and employee benefits | $1,609,000 | 2,657 |
| Premises and equipment expense | $436,000 | 2,575 |
| Additional noninterest expense | $438,000 | 4,772 |
| Pre-tax net operating income | $919,000 | 3,736 |
| Securities gains (losses) | $818,000 | 246 |
| Applicable income taxes | $585,000 | 1,968 |
| Income before extraordinary items | $1,152,000 | 2,618 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,152,000 | 2,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,243,000 | 361 |
| Cash dividends | $800,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $612,120 | 4,102 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,999,000 | 2,357 |
| Total interest expense | $1,126,000 | 1,787 |
| Net interest income | $1,873,000 | 2,641 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $-84,000 | 9,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-84,000 | 9,118 |
| Total noninterest expense | $1,180,000 | 3,270 |
| Salaries and employee benefits | $773,000 | 2,778 |
| Premises and equipment expense | $208,000 | 2,710 |
| Additional noninterest expense | $199,000 | 5,092 |
| Pre-tax net operating income | $534,000 | 3,359 |
| Securities gains (losses) | $333,000 | 345 |
| Applicable income taxes | $278,000 | 2,034 |
| Income before extraordinary items | $589,000 | 2,539 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $589,000 | 2,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,147,000 | 248 |
| Cash dividends | $400,000 | 1,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $362,560 | 3,648 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,265,000 | 2,150 |
| Total interest expense | $5,690,000 | 1,575 |
| Net interest income | $7,575,000 | 2,543 |
| Provision for loan and lease losses | $2,000,000 | 648 |
| Total noninterest income | $575,000 | 5,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $575,000 | 3,342 |
| Total noninterest expense | $4,624,000 | 3,275 |
| Salaries and employee benefits | $2,866,000 | 2,885 |
| Premises and equipment expense | $824,000 | 2,682 |
| Additional noninterest expense | $934,000 | 4,493 |
| Pre-tax net operating income | $1,526,000 | 4,087 |
| Securities gains (losses) | $2,344,000 | 268 |
| Applicable income taxes | $1,293,000 | 1,830 |
| Income before extraordinary items | $2,577,000 | 2,311 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,577,000 | 2,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,091,000 | 863 |
| Cash dividends | $700,000 | 2,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,006,520 | 4,462 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,188,000 | 2,125 |
| Total interest expense | $4,468,000 | 1,559 |
| Net interest income | $5,720,000 | 2,546 |
| Provision for loan and lease losses | $1,475,000 | 663 |
| Total noninterest income | $4,000 | 9,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,000 | 8,966 |
| Total noninterest expense | $3,453,000 | 3,273 |
| Salaries and employee benefits | $2,135,000 | 2,909 |
| Premises and equipment expense | $625,000 | 2,672 |
| Additional noninterest expense | $693,000 | 4,503 |
| Pre-tax net operating income | $796,000 | 5,142 |
| Securities gains (losses) | $2,092,000 | 269 |
| Applicable income taxes | $953,000 | 1,928 |
| Income before extraordinary items | $1,935,000 | 2,408 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,935,000 | 2,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,033,000 | 683 |
| Cash dividends | $700,000 | 2,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $533,360 | 5,505 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,888,000 | 2,111 |
| Total interest expense | $2,922,000 | 1,667 |
| Net interest income | $3,966,000 | 2,456 |
| Provision for loan and lease losses | $1,250,000 | 545 |
| Total noninterest income | $-246,000 | 9,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-246,000 | 9,270 |
| Total noninterest expense | $2,041,000 | 3,627 |
| Salaries and employee benefits | $1,265,000 | 3,243 |
| Premises and equipment expense | $405,000 | 2,730 |
| Additional noninterest expense | $371,000 | 5,270 |
| Pre-tax net operating income | $429,000 | 5,694 |
| Securities gains (losses) | $1,207,000 | 322 |
| Applicable income taxes | $498,000 | 2,320 |
| Income before extraordinary items | $1,138,000 | 2,694 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,138,000 | 2,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,009,000 | 524 |
| Cash dividends | $300,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $293,100 | 5,945 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,467,000 | 2,123 |
| Total interest expense | $1,485,000 | 1,676 |
| Net interest income | $1,982,000 | 2,448 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $-338,000 | 9,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-338,000 | 9,322 |
| Total noninterest expense | $1,164,000 | 3,248 |
| Salaries and employee benefits | $744,000 | 2,798 |
| Premises and equipment expense | $218,000 | 2,563 |
| Additional noninterest expense | $202,000 | 4,939 |
| Pre-tax net operating income | $330,000 | 4,541 |
| Securities gains (losses) | $644,000 | 293 |
| Applicable income taxes | $340,000 | 1,866 |
| Income before extraordinary items | $634,000 | 2,406 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $634,000 | 2,404 |
| 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 | $215,400 | 4,941 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,285,000 | 2,150 |
| Total interest expense | $6,622,000 | 1,727 |
| Net interest income | $7,663,000 | 2,496 |
| Provision for loan and lease losses | $767,000 | 1,698 |
| Total noninterest income | $403,000 | 5,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $403,000 | 3,683 |
| Total noninterest expense | $4,503,000 | 3,220 |
| Salaries and employee benefits | $2,804,000 | 2,810 |
| Premises and equipment expense | $875,000 | 2,475 |
| Additional noninterest expense | $824,000 | 4,829 |
| Pre-tax net operating income | $2,796,000 | 2,639 |
| Securities gains (losses) | $987,000 | 430 |
| Applicable income taxes | $1,289,000 | 1,853 |
| Income before extraordinary items | $2,494,000 | 2,356 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,494,000 | 2,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,685 |
| Cash dividends | $1,600,000 | 1,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,842,580 | 2,889 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,801,000 | 2,317 |
| Total interest expense | $7,929,000 | 2,032 |
| Net interest income | $6,872,000 | 2,604 |
| Provision for loan and lease losses | $383,000 | 2,720 |
| Total noninterest income | $1,066,000 | 3,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,066,000 | 1,951 |
| Total noninterest expense | $4,071,000 | 3,376 |
| Salaries and employee benefits | $2,550,000 | 2,897 |
| Premises and equipment expense | $801,000 | 2,628 |
| Additional noninterest expense | $720,000 | 5,180 |
| Pre-tax net operating income | $3,484,000 | 1,983 |
| Securities gains (losses) | $323,000 | 861 |
| Applicable income taxes | $1,390,000 | 1,609 |
| Income before extraordinary items | $2,417,000 | 2,155 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,417,000 | 2,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,284 |
| Cash dividends | $1,300,000 | 1,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,210,280 | 2,253 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,971,000 | 2,676 |
| Total interest expense | $7,652,000 | 2,227 |
| Net interest income | $5,319,000 | 3,297 |
| Provision for loan and lease losses | $3,000 | 8,228 |
| Total noninterest income | $1,214,000 | 2,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,214,000 | 1,642 |
| Total noninterest expense | $3,376,000 | 3,839 |
| Salaries and employee benefits | $2,187,000 | 3,208 |
| Premises and equipment expense | $590,000 | 3,322 |
| Additional noninterest expense | $599,000 | 5,796 |
| Pre-tax net operating income | $3,154,000 | 2,297 |
| Securities gains (losses) | $167,000 | 452 |
| Applicable income taxes | $1,176,000 | 1,854 |
| Income before extraordinary items | $2,145,000 | 2,384 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,145,000 | 2,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $2,350,000 | 1,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,036,450 | 2,521 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,136,000 | 2,900 |
| Total interest expense | $6,163,000 | 2,385 |
| Net interest income | $4,973,000 | 3,465 |
| Provision for loan and lease losses | $-25,000 | 10,020 |
| Total noninterest income | $1,230,000 | 2,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,230,000 | 1,607 |
| Total noninterest expense | $3,459,000 | 3,739 |
| Salaries and employee benefits | $2,170,000 | 3,185 |
| Premises and equipment expense | $613,000 | 3,190 |
| Additional noninterest expense | $676,000 | 5,374 |
| Pre-tax net operating income | $2,769,000 | 2,571 |
| Securities gains (losses) | $657,000 | 289 |
| Applicable income taxes | $1,234,000 | 1,870 |
| Income before extraordinary items | $2,192,000 | 2,377 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,192,000 | 2,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,387 |
| Cash dividends | $1,975,000 | 1,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,771,520 | 2,813 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,405,000 | 2,828 |
| Total interest expense | $6,249,000 | 2,415 |
| Net interest income | $5,156,000 | 3,289 |
| Provision for loan and lease losses | $175,000 | 3,848 |
| Total noninterest income | $1,045,000 | 2,981 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,045,000 | 1,793 |
| Total noninterest expense | $3,304,000 | 3,793 |
| Salaries and employee benefits | $2,043,000 | 3,266 |
| Premises and equipment expense | $595,000 | 3,198 |
| Additional noninterest expense | $666,000 | 5,358 |
| Pre-tax net operating income | $2,722,000 | 2,589 |
| Securities gains (losses) | $632,000 | 485 |
| Applicable income taxes | $1,209,000 | 1,983 |
| Income before extraordinary items | $2,145,000 | 2,399 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,145,000 | 2,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,758 |
| Cash dividends | $900,000 | 2,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,740,520 | 2,786 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,123,000 | 2,702 |
| Total interest expense | $6,685,000 | 2,251 |
| Net interest income | $5,438,000 | 3,209 |
| Provision for loan and lease losses | $206,000 | 3,376 |
| Total noninterest income | $767,000 | 3,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $767,000 | 2,085 |
| Total noninterest expense | $3,177,000 | 3,915 |
| Salaries and employee benefits | $2,035,000 | 3,251 |
| Premises and equipment expense | $560,000 | 3,360 |
| Additional noninterest expense | $582,000 | 5,924 |
| Pre-tax net operating income | $2,822,000 | 2,621 |
| Securities gains (losses) | $406,000 | 483 |
| Applicable income taxes | $1,225,000 | 2,037 |
| Income before extraordinary items | $2,003,000 | 2,586 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,003,000 | 2,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,872 |
| Cash dividends | $1,200,000 | 1,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,743,160 | 2,869 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,560,000 | 2,865 |
| Total interest expense | $6,198,000 | 2,478 |
| Net interest income | $5,362,000 | 3,303 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $829,000 | 3,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $829,000 | 2,056 |
| Total noninterest expense | $3,916,000 | 3,412 |
| Salaries and employee benefits | $1,904,000 | 3,487 |
| Premises and equipment expense | $560,000 | 3,429 |
| Additional noninterest expense | $1,452,000 | 3,211 |
| Pre-tax net operating income | $2,215,000 | 3,140 |
| Securities gains (losses) | $300,000 | 551 |
| Applicable income taxes | $656,000 | 3,337 |
| Income before extraordinary items | $1,859,000 | 2,615 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,859,000 | 2,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,232 |
| Cash dividends | $800,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,637,000 | 2,904 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,890,000 | 3,045 |
| Total interest expense | $6,075,000 | 2,521 |
| Net interest income | $4,815,000 | 3,660 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $447,000 | 5,570 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $447,000 | 3,084 |
| Total noninterest expense | $2,665,000 | 4,720 |
| Salaries and employee benefits | $1,583,000 | 4,088 |
| Premises and equipment expense | $395,000 | 4,595 |
| Additional noninterest expense | $687,000 | 5,941 |
| Pre-tax net operating income | $2,447,000 | 2,909 |
| Securities gains (losses) | $89,000 | 1,008 |
| Applicable income taxes | $828,000 | 2,795 |
| Income before extraordinary items | $1,708,000 | 2,878 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,708,000 | 2,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,648,370 | 2,950 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,886,000 | 3,376 |
| Total interest expense | $4,733,000 | 2,588 |
| Net interest income | $4,153,000 | 4,238 |
| Provision for loan and lease losses | $295,000 | 2,325 |
| Total noninterest income | $393,000 | 6,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $393,000 | 3,445 |
| Total noninterest expense | $2,481,000 | 5,191 |
| Salaries and employee benefits | $1,523,000 | 4,226 |
| Premises and equipment expense | $358,000 | 5,012 |
| Additional noninterest expense | $600,000 | 7,042 |
| Pre-tax net operating income | $1,770,000 | 3,812 |
| Securities gains (losses) | $150,000 | 603 |
| Applicable income taxes | $668,000 | 3,201 |
| Income before extraordinary items | $1,252,000 | 3,706 |
| Extraordinary gains, net | $196,000 | 67 |
| Net income | $1,448,000 | 3,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,154,500 | 4,044 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,594,000 | 3,573 |
| Total interest expense | $4,534,000 | 2,840 |
| Net interest income | $4,060,000 | 4,338 |
| Provision for loan and lease losses | $516,000 | 2,047 |
| Total noninterest income | $409,000 | 6,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $409,000 | 3,701 |
| Total noninterest expense | $2,399,000 | 5,447 |
| Salaries and employee benefits | $1,461,000 | 4,377 |
| Premises and equipment expense | $311,000 | 5,674 |
| Additional noninterest expense | $627,000 | 7,105 |
| Pre-tax net operating income | $1,554,000 | 4,182 |
| Securities gains (losses) | $405,000 | 1,036 |
| Applicable income taxes | $732,000 | 2,984 |
| Income before extraordinary items | $1,227,000 | 3,931 |
| Extraordinary gains, net | $142,000 | 1,284 |
| Net income | $1,369,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 5,182 |
| Cash dividends | $470,000 | 3,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $967,800 | 4,566 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,354,000 | 4,137 |
| Total interest expense | $4,940,000 | 3,346 |
| Net interest income | $3,414,000 | 5,115 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $318,000 | 7,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $318,000 | 4,265 |
| Total noninterest expense | $2,338,000 | 5,613 |
| Salaries and employee benefits | $1,286,000 | 4,865 |
| Premises and equipment expense | $328,000 | 5,618 |
| Additional noninterest expense | $724,000 | 6,591 |
| Pre-tax net operating income | $1,154,000 | 5,083 |
| Securities gains (losses) | $580,000 | 964 |
| Applicable income taxes | $726,000 | 2,860 |
| Income before extraordinary items | $1,008,000 | 4,467 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,008,000 | 4,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 7,201 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $636,800 | 5,976 |
* 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.