Home > FNB Salem Bank and Trust > Income and Expense
FNB Salem Bank and Trust, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,179,000 | 1,536 |
| Total interest expense | $2,375,000 | 1,545 |
| Net interest income | $3,804,000 | 1,509 |
| Provision for loan and lease losses | $348,000 | 692 |
| Total noninterest income | $705,000 | 1,684 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $393,000 | 1,100 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $312,000 | 1,884 |
| Total noninterest expense | $2,503,000 | 1,771 |
| Salaries and employee benefits | $576,000 | 3,875 |
| Premises and equipment expense | $199,000 | 3,035 |
| Additional noninterest expense | $1,728,000 | 773 |
| Pre-tax net operating income | $1,658,000 | 1,493 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $550,000 | 1,287 |
| Income before extraordinary items | $1,108,000 | 1,622 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,108,000 | 1,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 388 |
| Cash dividends | $643,000 | 1,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,108,000 | 1,600 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,335,000 | 1,489 |
| Total interest expense | $7,728,000 | 1,468 |
| Net interest income | $14,607,000 | 1,506 |
| Provision for loan and lease losses | $1,719,000 | 619 |
| Total noninterest income | $2,737,000 | 1,736 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,728,000 | 1,020 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,009,000 | 2,204 |
| Total noninterest expense | $9,443,000 | 1,799 |
| Salaries and employee benefits | $2,427,000 | 3,571 |
| Premises and equipment expense | $799,000 | 2,901 |
| Additional noninterest expense | $6,217,000 | 834 |
| Pre-tax net operating income | $6,182,000 | 1,546 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,067,000 | 1,320 |
| Income before extraordinary items | $4,115,000 | 1,707 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,115,000 | 1,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $887,000 | 747 |
| Cash dividends | $1,362,000 | 1,960 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,115,000 | 1,681 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,220,000 | 1,502 |
| Total interest expense | $5,511,000 | 1,449 |
| Net interest income | $10,709,000 | 1,512 |
| Provision for loan and lease losses | $1,086,000 | 710 |
| Total noninterest income | $2,049,000 | 1,744 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,285,000 | 1,027 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $764,000 | 2,188 |
| Total noninterest expense | $7,045,000 | 1,785 |
| Salaries and employee benefits | $1,847,000 | 3,492 |
| Premises and equipment expense | $592,000 | 2,911 |
| Additional noninterest expense | $4,606,000 | 838 |
| Pre-tax net operating income | $4,627,000 | 1,546 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,547,000 | 1,348 |
| Income before extraordinary items | $3,080,000 | 1,709 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,080,000 | 1,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $516,000 | 817 |
| Cash dividends | $1,362,000 | 1,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,080,000 | 1,679 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,384,000 | 1,527 |
| Total interest expense | $3,448,000 | 1,456 |
| Net interest income | $6,936,000 | 1,544 |
| Provision for loan and lease losses | $774,000 | 656 |
| Total noninterest income | $1,314,000 | 1,791 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $842,000 | 1,023 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $472,000 | 2,272 |
| Total noninterest expense | $4,642,000 | 1,796 |
| Salaries and employee benefits | $1,287,000 | 3,369 |
| Premises and equipment expense | $397,000 | 2,866 |
| Additional noninterest expense | $2,958,000 | 854 |
| Pre-tax net operating income | $2,834,000 | 1,647 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,075,000 | 1,286 |
| Income before extraordinary items | $1,759,000 | 1,934 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,759,000 | 1,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 1,180 |
| Cash dividends | $1,362,000 | 1,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,759,000 | 1,901 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 1,534 |
| Total interest expense | $1,642,000 | 1,456 |
| Net interest income | $3,434,000 | 1,549 |
| Provision for loan and lease losses | $232,000 | 991 |
| Total noninterest income | $632,000 | 1,803 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $386,000 | 1,081 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $246,000 | 2,181 |
| Total noninterest expense | $2,320,000 | 1,801 |
| Salaries and employee benefits | $656,000 | 3,298 |
| Premises and equipment expense | $205,000 | 2,817 |
| Additional noninterest expense | $1,459,000 | 858 |
| Pre-tax net operating income | $1,514,000 | 1,504 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $573,000 | 1,193 |
| Income before extraordinary items | $941,000 | 1,791 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $941,000 | 1,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,154 |
| Cash dividends | $671,000 | 944 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $941,000 | 1,749 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,298,000 | 1,494 |
| Total interest expense | $5,968,000 | 1,374 |
| Net interest income | $13,330,000 | 1,520 |
| Provision for loan and lease losses | $1,165,000 | 922 |
| Total noninterest income | $2,537,000 | 1,842 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,731,000 | 1,029 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $806,000 | 2,485 |
| Total noninterest expense | $9,425,000 | 1,718 |
| Salaries and employee benefits | $2,947,000 | 2,883 |
| Premises and equipment expense | $1,052,000 | 2,176 |
| Additional noninterest expense | $5,426,000 | 924 |
| Pre-tax net operating income | $5,277,000 | 1,618 |
| Securities gains (losses) | $40,000 | 1,907 |
| Applicable income taxes | $2,066,000 | 1,236 |
| Income before extraordinary items | $3,251,000 | 1,930 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,251,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $981,000 | 791 |
| Cash dividends | $2,341,000 | 1,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,225,400 | 1,897 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,292,000 | 1,503 |
| Total interest expense | $4,372,000 | 1,381 |
| Net interest income | $9,920,000 | 1,521 |
| Provision for loan and lease losses | $910,000 | 845 |
| Total noninterest income | $1,852,000 | 1,896 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,291,000 | 1,040 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $561,000 | 2,618 |
| Total noninterest expense | $7,054,000 | 1,716 |
| Salaries and employee benefits | $2,209,000 | 2,862 |
| Premises and equipment expense | $843,000 | 2,051 |
| Additional noninterest expense | $4,002,000 | 930 |
| Pre-tax net operating income | $3,808,000 | 1,690 |
| Securities gains (losses) | $39,000 | 1,845 |
| Applicable income taxes | $1,500,000 | 1,282 |
| Income before extraordinary items | $2,347,000 | 2,003 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,347,000 | 2,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $679,000 | 756 |
| Cash dividends | $1,649,000 | 1,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,322,040 | 1,969 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,288,000 | 1,522 |
| Total interest expense | $2,829,000 | 1,403 |
| Net interest income | $6,459,000 | 1,539 |
| Provision for loan and lease losses | $655,000 | 772 |
| Total noninterest income | $1,278,000 | 1,820 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $866,000 | 1,016 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $412,000 | 2,466 |
| Total noninterest expense | $4,766,000 | 1,688 |
| Salaries and employee benefits | $1,534,000 | 2,774 |
| Premises and equipment expense | $582,000 | 1,976 |
| Additional noninterest expense | $2,650,000 | 940 |
| Pre-tax net operating income | $2,316,000 | 1,811 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $912,000 | 1,379 |
| Income before extraordinary items | $1,404,000 | 2,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,404,000 | 2,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 737 |
| Cash dividends | $988,000 | 1,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,404,000 | 2,130 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,593,000 | 1,541 |
| Total interest expense | $1,396,000 | 1,434 |
| Net interest income | $3,197,000 | 1,565 |
| Provision for loan and lease losses | $225,000 | 1,035 |
| Total noninterest income | $654,000 | 1,753 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $441,000 | 956 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $213,000 | 2,370 |
| Total noninterest expense | $2,337,000 | 1,735 |
| Salaries and employee benefits | $762,000 | 2,812 |
| Premises and equipment expense | $281,000 | 2,061 |
| Additional noninterest expense | $1,294,000 | 959 |
| Pre-tax net operating income | $1,289,000 | 1,618 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $502,000 | 1,287 |
| Income before extraordinary items | $787,000 | 1,978 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $787,000 | 1,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,147 |
| Cash dividends | $451,000 | 1,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $787,000 | 1,893 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,798,000 | 1,528 |
| Total interest expense | $6,235,000 | 1,425 |
| Net interest income | $12,563,000 | 1,547 |
| Provision for loan and lease losses | $948,000 | 1,254 |
| Total noninterest income | $2,240,000 | 2,130 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,530,000 | 1,129 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $710,000 | 2,945 |
| Total noninterest expense | $9,928,000 | 1,619 |
| Salaries and employee benefits | $3,619,000 | 2,343 |
| Premises and equipment expense | $1,287,000 | 1,765 |
| Additional noninterest expense | $5,022,000 | 1,017 |
| Pre-tax net operating income | $3,927,000 | 2,007 |
| Securities gains (losses) | $-15,000 | 8,834 |
| Applicable income taxes | $1,546,000 | 1,586 |
| Income before extraordinary items | $2,366,000 | 2,498 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,366,000 | 2,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $690,000 | 1,245 |
| Cash dividends | $1,978,000 | 1,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,375,600 | 2,374 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,203,000 | 1,543 |
| Total interest expense | $4,785,000 | 1,453 |
| Net interest income | $9,418,000 | 1,553 |
| Provision for loan and lease losses | $711,000 | 1,200 |
| Total noninterest income | $1,673,000 | 2,179 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,121,000 | 1,156 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $552,000 | 2,960 |
| Total noninterest expense | $7,200,000 | 1,685 |
| Salaries and employee benefits | $2,714,000 | 2,338 |
| Premises and equipment expense | $982,000 | 1,744 |
| Additional noninterest expense | $3,504,000 | 1,101 |
| Pre-tax net operating income | $3,180,000 | 1,952 |
| Securities gains (losses) | $-15,000 | 8,984 |
| Applicable income taxes | $1,242,000 | 1,573 |
| Income before extraordinary items | $1,923,000 | 2,423 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,923,000 | 2,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 1,216 |
| Cash dividends | $1,453,000 | 1,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,932,600 | 2,291 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,562,000 | 1,545 |
| Total interest expense | $3,290,000 | 1,466 |
| Net interest income | $6,272,000 | 1,555 |
| Provision for loan and lease losses | $474,000 | 1,210 |
| Total noninterest income | $1,059,000 | 2,261 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $752,000 | 1,129 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $307,000 | 3,249 |
| Total noninterest expense | $4,781,000 | 1,683 |
| Salaries and employee benefits | $1,833,000 | 2,302 |
| Premises and equipment expense | $668,000 | 1,702 |
| Additional noninterest expense | $2,280,000 | 1,114 |
| Pre-tax net operating income | $2,076,000 | 1,975 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $826,000 | 1,580 |
| Income before extraordinary items | $1,252,000 | 2,475 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,252,000 | 2,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 1,366 |
| Cash dividends | $928,000 | 1,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,250,720 | 2,341 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,809,000 | 1,547 |
| Total interest expense | $1,670,000 | 1,485 |
| Net interest income | $3,139,000 | 1,553 |
| Provision for loan and lease losses | $237,000 | 1,178 |
| Total noninterest income | $548,000 | 2,141 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $373,000 | 1,107 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $175,000 | 2,949 |
| Total noninterest expense | $2,409,000 | 1,658 |
| Salaries and employee benefits | $875,000 | 2,407 |
| Premises and equipment expense | $375,000 | 1,528 |
| Additional noninterest expense | $1,159,000 | 1,069 |
| Pre-tax net operating income | $1,041,000 | 1,970 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $406,000 | 1,599 |
| Income before extraordinary items | $637,000 | 2,395 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $637,000 | 2,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,538 |
| Cash dividends | $477,000 | 1,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $635,720 | 2,275 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,494,000 | 1,506 |
| Total interest expense | $7,420,000 | 1,529 |
| Net interest income | $13,074,000 | 1,487 |
| Provision for loan and lease losses | $1,184,000 | 1,154 |
| Total noninterest income | $2,098,000 | 2,053 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,169,000 | 1,384 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $929,000 | 2,285 |
| Total noninterest expense | $9,544,000 | 1,611 |
| Salaries and employee benefits | $4,493,000 | 1,780 |
| Premises and equipment expense | $1,274,000 | 1,736 |
| Additional noninterest expense | $3,777,000 | 1,274 |
| Pre-tax net operating income | $4,444,000 | 1,820 |
| Securities gains (losses) | $54,000 | 2,339 |
| Applicable income taxes | $1,785,000 | 1,423 |
| Income before extraordinary items | $2,713,000 | 2,204 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,713,000 | 2,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $588,000 | 1,459 |
| Cash dividends | $1,899,000 | 1,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,678,440 | 2,151 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $0 | 9,614 |
| Total interest expense | $0 | 9,598 |
| Net interest income | $0 | 9,607 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $0 | 9,561 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $0 | 9,614 |
| Salaries and employee benefits | $0 | 9,594 |
| Premises and equipment expense | $0 | 9,580 |
| Additional noninterest expense | $0 | 9,611 |
| Pre-tax net operating income | $0 | 8,715 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $0 | 8,819 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $0 | 8,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $753,000 | 2,723 |
| Sale, conversion, retirement of capital stock, net | $-1,365,000 | 9,584 |
| Net operating income | $0 | 8,731 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,303,000 | 2,161 |
| Total interest expense | $8,413,000 | 2,044 |
| Net interest income | $7,890,000 | 2,257 |
| Provision for loan and lease losses | $320,000 | 2,708 |
| Total noninterest income | $1,158,000 | 2,837 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $570,000 | 2,390 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $588,000 | 2,661 |
| Total noninterest expense | $4,736,000 | 2,863 |
| Salaries and employee benefits | $2,715,000 | 2,627 |
| Premises and equipment expense | $795,000 | 2,586 |
| Additional noninterest expense | $1,226,000 | 3,363 |
| Pre-tax net operating income | $3,992,000 | 1,828 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,292,000 | 1,708 |
| Income before extraordinary items | $2,700,000 | 1,933 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,700,000 | 1,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,427 |
| Cash dividends | $762,000 | 2,744 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 710 |
| Net operating income | $2,700,000 | 1,934 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,505,000 | 2,422 |
| Total interest expense | $6,506,000 | 2,266 |
| Net interest income | $6,998,000 | 2,512 |
| Provision for loan and lease losses | $315,000 | 2,548 |
| Total noninterest income | $1,129,000 | 2,821 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $483,000 | 2,713 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $646,000 | 2,506 |
| Total noninterest expense | $4,581,000 | 2,939 |
| Salaries and employee benefits | $2,611,000 | 2,693 |
| Premises and equipment expense | $721,000 | 2,801 |
| Additional noninterest expense | $1,249,000 | 3,311 |
| Pre-tax net operating income | $3,231,000 | 2,250 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $1,020,000 | 2,191 |
| Income before extraordinary items | $2,219,000 | 2,344 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,219,000 | 2,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,435 |
| Cash dividends | $622,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 772 |
| Net operating income | $2,213,480 | 2,320 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,260,000 | 2,658 |
| Total interest expense | $5,696,000 | 2,656 |
| Net interest income | $6,564,000 | 2,597 |
| Provision for loan and lease losses | $358,000 | 2,281 |
| Total noninterest income | $710,000 | 3,932 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $405,000 | 3,105 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $305,000 | 3,991 |
| Total noninterest expense | $4,343,000 | 2,984 |
| Salaries and employee benefits | $2,510,000 | 2,704 |
| Premises and equipment expense | $678,000 | 2,843 |
| Additional noninterest expense | $1,155,000 | 3,481 |
| Pre-tax net operating income | $2,573,000 | 2,705 |
| Securities gains (losses) | $-5,000 | 10,072 |
| Applicable income taxes | $755,000 | 2,862 |
| Income before extraordinary items | $1,813,000 | 2,780 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,813,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 1,986 |
| Cash dividends | $524,000 | 3,411 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 795 |
| Net operating income | $1,816,550 | 2,695 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,699,000 | 3,036 |
| Total interest expense | $5,040,000 | 2,956 |
| Net interest income | $5,659,000 | 3,082 |
| Provision for loan and lease losses | $391,000 | 2,140 |
| Total noninterest income | $1,013,000 | 3,013 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $494,000 | 2,659 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $519,000 | 2,749 |
| Total noninterest expense | $4,335,000 | 2,934 |
| Salaries and employee benefits | $2,277,000 | 2,912 |
| Premises and equipment expense | $691,000 | 2,778 |
| Additional noninterest expense | $1,367,000 | 2,972 |
| Pre-tax net operating income | $1,946,000 | 3,631 |
| Securities gains (losses) | $-21,000 | 10,392 |
| Applicable income taxes | $539,000 | 4,000 |
| Income before extraordinary items | $1,386,000 | 3,598 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,386,000 | 3,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 1,748 |
| Cash dividends | $447,000 | 3,737 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 800 |
| Net operating income | $1,401,120 | 3,492 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,075,000 | 3,258 |
| Total interest expense | $4,746,000 | 3,149 |
| Net interest income | $5,329,000 | 3,323 |
| Provision for loan and lease losses | $193,000 | 3,505 |
| Total noninterest income | $732,000 | 3,955 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $430,000 | 3,124 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $302,000 | 4,055 |
| Total noninterest expense | $4,027,000 | 3,329 |
| Salaries and employee benefits | $2,030,000 | 3,291 |
| Premises and equipment expense | $584,000 | 3,293 |
| Additional noninterest expense | $1,413,000 | 3,284 |
| Pre-tax net operating income | $1,841,000 | 3,638 |
| Securities gains (losses) | $-16,000 | 10,516 |
| Applicable income taxes | $498,000 | 4,160 |
| Income before extraordinary items | $1,327,000 | 3,569 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,327,000 | 3,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,819 |
| Cash dividends | $392,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 683 |
| Net operating income | $1,338,680 | 3,491 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,587,000 | 3,413 |
| Total interest expense | $4,552,000 | 3,280 |
| Net interest income | $5,035,000 | 3,509 |
| Provision for loan and lease losses | $119,000 | 4,253 |
| Total noninterest income | $496,000 | 5,220 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $320,000 | 4,061 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $176,000 | 5,514 |
| Total noninterest expense | $3,957,000 | 3,356 |
| Salaries and employee benefits | $1,930,000 | 3,415 |
| Premises and equipment expense | $629,000 | 3,090 |
| Additional noninterest expense | $1,398,000 | 3,268 |
| Pre-tax net operating income | $1,455,000 | 4,570 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $366,000 | 5,263 |
| Income before extraordinary items | $1,088,000 | 4,289 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,088,000 | 4,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,415 |
| Cash dividends | $333,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $2,366,000 | 191 |
| Net operating income | $1,088,750 | 4,277 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,741,000 | 3,432 |
| Total interest expense | $3,761,000 | 3,251 |
| Net interest income | $4,980,000 | 3,579 |
| Provision for loan and lease losses | $62,000 | 5,552 |
| Total noninterest income | $448,000 | 5,703 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $257,000 | 4,939 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $191,000 | 5,424 |
| Total noninterest expense | $3,977,000 | 3,448 |
| Salaries and employee benefits | $1,886,000 | 3,464 |
| Premises and equipment expense | $616,000 | 3,190 |
| Additional noninterest expense | $1,475,000 | 3,360 |
| Pre-tax net operating income | $1,389,000 | 4,700 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $325,000 | 5,574 |
| Income before extraordinary items | $1,060,000 | 4,309 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,060,000 | 4,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 11,735 |
| Cash dividends | $257,000 | 4,845 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 938 |
| Net operating income | $1,063,080 | 4,352 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,007,000 | 3,410 |
| Total interest expense | $4,185,000 | 3,032 |
| Net interest income | $4,822,000 | 3,687 |
| Provision for loan and lease losses | $91,000 | 5,992 |
| Total noninterest income | $463,000 | 5,890 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $217,000 | 5,656 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $246,000 | 5,046 |
| Total noninterest expense | $3,998,000 | 3,498 |
| Salaries and employee benefits | $1,826,000 | 3,564 |
| Premises and equipment expense | $597,000 | 3,345 |
| Additional noninterest expense | $1,575,000 | 3,358 |
| Pre-tax net operating income | $1,196,000 | 5,190 |
| Securities gains (losses) | $19,000 | 4,737 |
| Applicable income taxes | $310,000 | 5,948 |
| Income before extraordinary items | $905,000 | 5,070 |
| Extraordinary gains, net | $97,000 | 1,608 |
| Net income | $1,002,000 | 4,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,976 |
| Cash dividends | $226,000 | 5,130 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 1,000 |
| Net operating income | $890,940 | 4,917 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,866,000 | 3,533 |
| Total interest expense | $4,848,000 | 3,408 |
| Net interest income | $5,018,000 | 3,622 |
| Provision for loan and lease losses | $764,000 | 2,221 |
| Total noninterest income | $369,000 | 6,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,372 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,875 |
| Total noninterest expense | $3,446,000 | 3,980 |
| Salaries and employee benefits | $1,546,000 | 4,110 |
| Premises and equipment expense | $460,000 | 4,271 |
| Additional noninterest expense | $1,440,000 | 3,719 |
| Pre-tax net operating income | $1,177,000 | 4,993 |
| Securities gains (losses) | $116,000 | 2,773 |
| Applicable income taxes | $327,000 | 5,607 |
| Income before extraordinary items | $966,000 | 4,648 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $966,000 | 4,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $565,000 | 2,269 |
| Cash dividends | $213,000 | 4,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $879,000 | 4,708 |
* 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.