Home > GNB Financial > Income and Expense
GNB Financial, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,389,000 | 2,247 |
| Total interest expense | $3,687,000 | 3,784 |
| Net interest income | $13,702,000 | 1,673 |
| Provision for loan and lease losses | $584,000 | 1,676 |
| Total noninterest income | $1,675,000 | 2,503 |
| Gross Fiduciary activities income | $385,000 | 643 |
| Service charges on deposit accounts | $881,000 | 1,953 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $409,000 | 3,694 |
| Total noninterest expense | $10,729,000 | 1,661 |
| Salaries and employee benefits | $5,672,000 | 1,721 |
| Premises and equipment expense | $1,724,000 | 1,492 |
| Additional noninterest expense | $3,333,000 | 1,586 |
| Pre-tax net operating income | $4,064,000 | 2,234 |
| Securities gains (losses) | $-134,000 | 8,286 |
| Applicable income taxes | $1,322,000 | 1,843 |
| Income before extraordinary items | $2,608,000 | 2,521 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,608,000 | 2,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,048,000 | 653 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,696,440 | 2,448 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,935,000 | 2,248 |
| Total interest expense | $2,682,000 | 3,789 |
| Net interest income | $10,253,000 | 1,689 |
| Provision for loan and lease losses | $544,000 | 1,305 |
| Total noninterest income | $1,714,000 | 2,024 |
| Gross Fiduciary activities income | $241,000 | 687 |
| Service charges on deposit accounts | $689,000 | 1,885 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $784,000 | 2,162 |
| Total noninterest expense | $7,635,000 | 1,742 |
| Salaries and employee benefits | $4,024,000 | 1,825 |
| Premises and equipment expense | $1,275,000 | 1,526 |
| Additional noninterest expense | $2,336,000 | 1,684 |
| Pre-tax net operating income | $3,788,000 | 1,930 |
| Securities gains (losses) | $-134,000 | 8,475 |
| Applicable income taxes | $1,240,000 | 1,612 |
| Income before extraordinary items | $2,414,000 | 2,211 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,414,000 | 2,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $731,000 | 593 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,502,440 | 2,136 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,430,000 | 2,261 |
| Total interest expense | $1,721,000 | 3,775 |
| Net interest income | $6,709,000 | 1,725 |
| Provision for loan and lease losses | $195,000 | 2,161 |
| Total noninterest income | $1,186,000 | 1,974 |
| Gross Fiduciary activities income | $162,000 | 692 |
| Service charges on deposit accounts | $465,000 | 1,849 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $559,000 | 2,063 |
| Total noninterest expense | $4,999,000 | 1,778 |
| Salaries and employee benefits | $2,648,000 | 1,850 |
| Premises and equipment expense | $840,000 | 1,545 |
| Additional noninterest expense | $1,511,000 | 1,744 |
| Pre-tax net operating income | $2,701,000 | 1,834 |
| Securities gains (losses) | $-134,000 | 8,584 |
| Applicable income taxes | $886,000 | 1,534 |
| Income before extraordinary items | $1,681,000 | 2,137 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,681,000 | 2,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $414,000 | 654 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,768,100 | 2,032 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,066,000 | 2,286 |
| Total interest expense | $787,000 | 3,856 |
| Net interest income | $3,279,000 | 1,756 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $588,000 | 1,959 |
| Gross Fiduciary activities income | $78,000 | 704 |
| Service charges on deposit accounts | $222,000 | 1,874 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $288,000 | 2,000 |
| Total noninterest expense | $2,568,000 | 1,740 |
| Salaries and employee benefits | $1,448,000 | 1,705 |
| Premises and equipment expense | $403,000 | 1,615 |
| Additional noninterest expense | $717,000 | 1,822 |
| Pre-tax net operating income | $1,239,000 | 1,919 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $469,000 | 1,471 |
| Income before extraordinary items | $770,000 | 2,272 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $770,000 | 2,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 598 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $770,000 | 2,248 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,287,000 | 2,051 |
| Total interest expense | $2,813,000 | 3,514 |
| Net interest income | $13,474,000 | 1,625 |
| Provision for loan and lease losses | $413,000 | 2,229 |
| Total noninterest income | $2,491,000 | 1,875 |
| Gross Fiduciary activities income | $447,000 | 613 |
| Service charges on deposit accounts | $1,015,000 | 1,707 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,029,000 | 2,170 |
| Total noninterest expense | $10,274,000 | 1,660 |
| Salaries and employee benefits | $5,485,000 | 1,709 |
| Premises and equipment expense | $1,564,000 | 1,557 |
| Additional noninterest expense | $3,225,000 | 1,586 |
| Pre-tax net operating income | $5,278,000 | 1,774 |
| Securities gains (losses) | $-38,000 | 8,084 |
| Applicable income taxes | $1,972,000 | 1,381 |
| Income before extraordinary items | $3,268,000 | 2,094 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,268,000 | 2,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $526,000 | 1,132 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,292,320 | 2,057 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,142,000 | 2,013 |
| Total interest expense | $2,027,000 | 3,473 |
| Net interest income | $10,115,000 | 1,606 |
| Provision for loan and lease losses | $373,000 | 1,823 |
| Total noninterest income | $1,973,000 | 1,792 |
| Gross Fiduciary activities income | $362,000 | 586 |
| Service charges on deposit accounts | $774,000 | 1,661 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $837,000 | 2,060 |
| Total noninterest expense | $7,726,000 | 1,637 |
| Salaries and employee benefits | $4,023,000 | 1,721 |
| Premises and equipment expense | $1,206,000 | 1,511 |
| Additional noninterest expense | $2,497,000 | 1,508 |
| Pre-tax net operating income | $3,989,000 | 1,769 |
| Securities gains (losses) | $-38,000 | 8,393 |
| Applicable income taxes | $1,443,000 | 1,428 |
| Income before extraordinary items | $2,508,000 | 2,059 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,508,000 | 2,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $459,000 | 894 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,532,320 | 2,003 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,888,000 | 2,002 |
| Total interest expense | $1,272,000 | 3,485 |
| Net interest income | $6,616,000 | 1,622 |
| Provision for loan and lease losses | $213,000 | 2,041 |
| Total noninterest income | $1,306,000 | 1,799 |
| Gross Fiduciary activities income | $201,000 | 635 |
| Service charges on deposit accounts | $514,000 | 1,631 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $591,000 | 1,949 |
| Total noninterest expense | $4,938,000 | 1,692 |
| Salaries and employee benefits | $2,519,000 | 1,817 |
| Premises and equipment expense | $792,000 | 1,526 |
| Additional noninterest expense | $1,627,000 | 1,533 |
| Pre-tax net operating income | $2,771,000 | 1,670 |
| Securities gains (losses) | $-38,000 | 8,531 |
| Applicable income taxes | $997,000 | 1,380 |
| Income before extraordinary items | $1,736,000 | 1,963 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,736,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 1,074 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,760,320 | 1,899 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,824,000 | 2,029 |
| Total interest expense | $577,000 | 3,609 |
| Net interest income | $3,247,000 | 1,647 |
| Provision for loan and lease losses | $72,000 | 2,641 |
| Total noninterest income | $714,000 | 1,622 |
| Gross Fiduciary activities income | $90,000 | 663 |
| Service charges on deposit accounts | $257,000 | 1,591 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $367,000 | 1,652 |
| Total noninterest expense | $2,355,000 | 1,775 |
| Salaries and employee benefits | $1,210,000 | 1,896 |
| Premises and equipment expense | $386,000 | 1,578 |
| Additional noninterest expense | $759,000 | 1,624 |
| Pre-tax net operating income | $1,534,000 | 1,487 |
| Securities gains (losses) | $-38,000 | 8,748 |
| Applicable income taxes | $543,000 | 1,253 |
| Income before extraordinary items | $953,000 | 1,772 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $953,000 | 1,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $977,320 | 1,686 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,542,000 | 5,931 |
| Total interest expense | $524,000 | 7,217 |
| Net interest income | $3,018,000 | 5,395 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $543,000 | 5,067 |
| Gross Fiduciary activities income | $71,000 | 1,006 |
| Service charges on deposit accounts | $262,000 | 4,643 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $210,000 | 5,009 |
| Total noninterest expense | $2,679,000 | 5,055 |
| Salaries and employee benefits | $1,533,000 | 4,873 |
| Premises and equipment expense | $403,000 | 4,733 |
| Additional noninterest expense | $743,000 | 5,335 |
| Pre-tax net operating income | $882,000 | 5,539 |
| Securities gains (losses) | $-53,000 | 8,608 |
| Applicable income taxes | $265,000 | 4,376 |
| Income before extraordinary items | $564,000 | 6,095 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $564,000 | 6,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,212 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $600,040 | 5,881 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,326,000 | 2,030 |
| Total interest expense | $1,549,000 | 3,518 |
| Net interest income | $8,777,000 | 1,717 |
| Provision for loan and lease losses | $1,148,000 | 674 |
| Total noninterest income | $2,775,000 | 1,383 |
| Gross Fiduciary activities income | $209,000 | 713 |
| Service charges on deposit accounts | $921,000 | 1,447 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,645,000 | 1,231 |
| Total noninterest expense | $8,220,000 | 1,480 |
| Salaries and employee benefits | $3,802,000 | 1,731 |
| Premises and equipment expense | $1,188,000 | 1,452 |
| Additional noninterest expense | $3,230,000 | 1,136 |
| Pre-tax net operating income | $2,184,000 | 2,675 |
| Securities gains (losses) | $50,000 | 1,653 |
| Applicable income taxes | $760,000 | 2,185 |
| Income before extraordinary items | $1,474,000 | 2,993 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,474,000 | 2,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,082,000 | 541 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,441,000 | 2,983 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,890,000 | 2,016 |
| Total interest expense | $1,053,000 | 3,451 |
| Net interest income | $5,837,000 | 1,714 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $1,157,000 | 1,979 |
| Gross Fiduciary activities income | $144,000 | 704 |
| Service charges on deposit accounts | $618,000 | 1,426 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $395,000 | 2,534 |
| Total noninterest expense | $5,673,000 | 1,425 |
| Salaries and employee benefits | $2,485,000 | 1,763 |
| Premises and equipment expense | $778,000 | 1,486 |
| Additional noninterest expense | $2,410,000 | 1,027 |
| Pre-tax net operating income | $1,231,000 | 3,057 |
| Securities gains (losses) | $50,000 | 1,460 |
| Applicable income taxes | $435,000 | 2,425 |
| Income before extraordinary items | $846,000 | 3,381 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $846,000 | 3,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 1,294 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $813,000 | 3,399 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,493,000 | 2,005 |
| Total interest expense | $544,000 | 3,387 |
| Net interest income | $2,949,000 | 1,694 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $584,000 | 1,930 |
| Gross Fiduciary activities income | $73,000 | 708 |
| Service charges on deposit accounts | $324,000 | 1,321 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $187,000 | 2,589 |
| Total noninterest expense | $3,431,000 | 1,180 |
| Salaries and employee benefits | $1,337,000 | 1,664 |
| Premises and equipment expense | $376,000 | 1,564 |
| Additional noninterest expense | $1,718,000 | 728 |
| Pre-tax net operating income | $42,000 | 8,025 |
| Securities gains (losses) | $50,000 | 1,193 |
| Applicable income taxes | $31,000 | 5,362 |
| Income before extraordinary items | $61,000 | 7,565 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $61,000 | 7,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 966 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $28,000 | 8,124 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,100,000 | 2,011 |
| Total interest expense | $2,549,000 | 3,286 |
| Net interest income | $11,551,000 | 1,680 |
| Provision for loan and lease losses | $435,000 | 2,424 |
| Total noninterest income | $2,512,000 | 1,941 |
| Gross Fiduciary activities income | $333,000 | 673 |
| Service charges on deposit accounts | $1,241,000 | 1,397 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $938,000 | 2,483 |
| Total noninterest expense | $11,293,000 | 1,426 |
| Salaries and employee benefits | $5,208,000 | 1,652 |
| Premises and equipment expense | $1,526,000 | 1,496 |
| Additional noninterest expense | $4,559,000 | 1,114 |
| Pre-tax net operating income | $2,335,000 | 3,042 |
| Securities gains (losses) | $351,000 | 953 |
| Applicable income taxes | $931,000 | 2,278 |
| Income before extraordinary items | $1,755,000 | 3,160 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,755,000 | 3,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,268 |
| Cash dividends | $750,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,526,850 | 3,347 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,543,000 | 2,056 |
| Total interest expense | $1,950,000 | 3,350 |
| Net interest income | $8,593,000 | 1,705 |
| Provision for loan and lease losses | $258,000 | 2,807 |
| Total noninterest income | $1,968,000 | 1,935 |
| Gross Fiduciary activities income | $260,000 | 672 |
| Service charges on deposit accounts | $929,000 | 1,412 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $779,000 | 2,404 |
| Total noninterest expense | $7,329,000 | 1,650 |
| Salaries and employee benefits | $3,992,000 | 1,624 |
| Premises and equipment expense | $1,118,000 | 1,534 |
| Additional noninterest expense | $2,219,000 | 1,642 |
| Pre-tax net operating income | $2,974,000 | 2,065 |
| Securities gains (losses) | $206,000 | 1,212 |
| Applicable income taxes | $1,087,000 | 1,731 |
| Income before extraordinary items | $2,093,000 | 2,237 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,093,000 | 2,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,026 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,957,040 | 2,265 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,656,000 | 2,578 |
| Total interest expense | $872,000 | 4,671 |
| Net interest income | $4,784,000 | 2,045 |
| Provision for loan and lease losses | $125,000 | 3,389 |
| Total noninterest income | $1,315,000 | 1,904 |
| Gross Fiduciary activities income | $190,000 | 651 |
| Service charges on deposit accounts | $577,000 | 1,492 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $548,000 | 2,315 |
| Total noninterest expense | $4,232,000 | 1,865 |
| Salaries and employee benefits | $2,242,000 | 1,903 |
| Premises and equipment expense | $610,000 | 1,871 |
| Additional noninterest expense | $1,380,000 | 1,744 |
| Pre-tax net operating income | $1,742,000 | 2,302 |
| Securities gains (losses) | $206,000 | 1,027 |
| Applicable income taxes | $661,000 | 1,904 |
| Income before extraordinary items | $1,287,000 | 2,412 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,287,000 | 2,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,723 |
| Cash dividends | $750,000 | 1,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,151,040 | 2,522 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,798,000 | 2,630 |
| Total interest expense | $437,000 | 4,762 |
| Net interest income | $2,361,000 | 2,073 |
| Provision for loan and lease losses | $85,000 | 2,667 |
| Total noninterest income | $693,000 | 1,789 |
| Gross Fiduciary activities income | $76,000 | 719 |
| Service charges on deposit accounts | $288,000 | 1,438 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $329,000 | 1,980 |
| Total noninterest expense | $1,974,000 | 1,983 |
| Salaries and employee benefits | $1,148,000 | 1,862 |
| Premises and equipment expense | $300,000 | 1,912 |
| Additional noninterest expense | $526,000 | 2,225 |
| Pre-tax net operating income | $995,000 | 2,049 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $338,000 | 1,876 |
| Income before extraordinary items | $657,000 | 2,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $657,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,327 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $657,000 | 2,203 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,593,000 | 2,635 |
| Total interest expense | $1,934,000 | 4,901 |
| Net interest income | $9,659,000 | 2,002 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $2,221,000 | 1,956 |
| Gross Fiduciary activities income | $263,000 | 751 |
| Service charges on deposit accounts | $1,100,000 | 1,466 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $858,000 | 2,395 |
| Total noninterest expense | $7,844,000 | 1,924 |
| Salaries and employee benefits | $4,182,000 | 1,929 |
| Premises and equipment expense | $1,257,000 | 1,757 |
| Additional noninterest expense | $2,405,000 | 1,925 |
| Pre-tax net operating income | $3,736,000 | 2,101 |
| Securities gains (losses) | $439,000 | 718 |
| Applicable income taxes | $1,414,000 | 1,726 |
| Income before extraordinary items | $2,761,000 | 2,168 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,761,000 | 2,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 3,250 |
| Cash dividends | $1,450,000 | 1,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,471,260 | 2,298 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,619,000 | 2,701 |
| Total interest expense | $3,776,000 | 3,974 |
| Net interest income | $8,843,000 | 2,018 |
| Provision for loan and lease losses | $390,000 | 2,674 |
| Total noninterest income | $2,087,000 | 1,954 |
| Gross Fiduciary activities income | $300,000 | 723 |
| Service charges on deposit accounts | $935,000 | 1,605 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $852,000 | 2,294 |
| Total noninterest expense | $7,110,000 | 2,020 |
| Salaries and employee benefits | $3,656,000 | 2,059 |
| Premises and equipment expense | $1,223,000 | 1,770 |
| Additional noninterest expense | $2,231,000 | 2,015 |
| Pre-tax net operating income | $3,430,000 | 2,005 |
| Securities gains (losses) | $250,000 | 1,023 |
| Applicable income taxes | $1,229,000 | 1,778 |
| Income before extraordinary items | $2,451,000 | 2,129 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,451,000 | 2,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,922 |
| Cash dividends | $1,550,000 | 1,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,283,500 | 2,194 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,982,000 | 3,149 |
| Total interest expense | $4,144,000 | 3,867 |
| Net interest income | $6,838,000 | 2,601 |
| Provision for loan and lease losses | $170,000 | 4,137 |
| Total noninterest income | $2,761,000 | 1,453 |
| Gross Fiduciary activities income | $337,000 | 696 |
| Service charges on deposit accounts | $1,777,000 | 767 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $647,000 | 2,507 |
| Total noninterest expense | $5,967,000 | 2,291 |
| Salaries and employee benefits | $3,115,000 | 2,287 |
| Premises and equipment expense | $1,185,000 | 1,760 |
| Additional noninterest expense | $1,667,000 | 2,555 |
| Pre-tax net operating income | $3,462,000 | 2,105 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $1,086,000 | 1,982 |
| Income before extraordinary items | $2,374,000 | 2,186 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,374,000 | 2,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,042 |
| Cash dividends | $1,500,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,375,380 | 2,187 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,840,000 | 3,262 |
| Total interest expense | $3,227,000 | 4,330 |
| Net interest income | $6,613,000 | 2,646 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $2,470,000 | 1,582 |
| Gross Fiduciary activities income | $321,000 | 760 |
| Service charges on deposit accounts | $1,529,000 | 867 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $620,000 | 2,581 |
| Total noninterest expense | $5,838,000 | 2,334 |
| Salaries and employee benefits | $3,198,000 | 2,193 |
| Premises and equipment expense | $1,220,000 | 1,675 |
| Additional noninterest expense | $1,420,000 | 2,996 |
| Pre-tax net operating income | $3,125,000 | 2,322 |
| Securities gains (losses) | $11,000 | 1,705 |
| Applicable income taxes | $1,022,000 | 2,185 |
| Income before extraordinary items | $2,114,000 | 2,455 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,114,000 | 2,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,347 |
| Cash dividends | $1,700,000 | 1,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,106,630 | 2,424 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,726,000 | 3,315 |
| Total interest expense | $3,407,000 | 4,241 |
| Net interest income | $6,319,000 | 2,718 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $1,676,000 | 2,085 |
| Gross Fiduciary activities income | $267,000 | 810 |
| Service charges on deposit accounts | $977,000 | 1,279 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $432,000 | 3,264 |
| Total noninterest expense | $5,404,000 | 2,414 |
| Salaries and employee benefits | $2,873,000 | 2,348 |
| Premises and equipment expense | $1,153,000 | 1,712 |
| Additional noninterest expense | $1,378,000 | 2,991 |
| Pre-tax net operating income | $2,501,000 | 2,787 |
| Securities gains (losses) | $13,000 | 2,771 |
| Applicable income taxes | $821,000 | 2,684 |
| Income before extraordinary items | $1,693,000 | 2,944 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,693,000 | 2,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $1,600,000 | 1,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,684,290 | 2,863 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,451,000 | 3,415 |
| Total interest expense | $3,498,000 | 4,141 |
| Net interest income | $5,953,000 | 2,924 |
| Provision for loan and lease losses | $197,000 | 3,492 |
| Total noninterest income | $1,614,000 | 2,076 |
| Gross Fiduciary activities income | $274,000 | 826 |
| Service charges on deposit accounts | $929,000 | 1,387 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $411,000 | 3,235 |
| Total noninterest expense | $5,318,000 | 2,423 |
| Salaries and employee benefits | $2,896,000 | 2,280 |
| Premises and equipment expense | $1,123,000 | 1,757 |
| Additional noninterest expense | $1,299,000 | 3,115 |
| Pre-tax net operating income | $2,052,000 | 3,449 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $589,000 | 3,737 |
| Income before extraordinary items | $1,463,000 | 3,434 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,463,000 | 3,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,640 |
| Cash dividends | $1,500,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,463,000 | 3,355 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,708,000 | 3,718 |
| Total interest expense | $3,109,000 | 4,629 |
| Net interest income | $5,599,000 | 3,156 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,619,000 | 2,168 |
| Gross Fiduciary activities income | $325,000 | 838 |
| Service charges on deposit accounts | $916,000 | 1,467 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $378,000 | 3,508 |
| Total noninterest expense | $4,998,000 | 2,744 |
| Salaries and employee benefits | $2,845,000 | 2,342 |
| Premises and equipment expense | $934,000 | 2,136 |
| Additional noninterest expense | $1,219,000 | 3,731 |
| Pre-tax net operating income | $2,220,000 | 3,133 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $746,000 | 3,030 |
| Income before extraordinary items | $1,474,000 | 3,237 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,474,000 | 3,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,082 |
| Cash dividends | $1,100,000 | 1,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,474,000 | 3,199 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,059,000 | 3,983 |
| Total interest expense | $2,737,000 | 5,166 |
| Net interest income | $5,322,000 | 3,330 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,492,000 | 2,290 |
| Gross Fiduciary activities income | $313,000 | 881 |
| Service charges on deposit accounts | $796,000 | 1,701 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $383,000 | 3,402 |
| Total noninterest expense | $4,803,000 | 2,821 |
| Salaries and employee benefits | $2,638,000 | 2,535 |
| Premises and equipment expense | $834,000 | 2,397 |
| Additional noninterest expense | $1,331,000 | 3,417 |
| Pre-tax net operating income | $2,011,000 | 3,480 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $662,000 | 3,392 |
| Income before extraordinary items | $1,349,000 | 3,555 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,349,000 | 3,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,445 |
| Cash dividends | $550,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,349,000 | 3,537 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,630,000 | 3,905 |
| Total interest expense | $2,319,000 | 4,950 |
| Net interest income | $5,311,000 | 3,376 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,341,000 | 2,502 |
| Gross Fiduciary activities income | $265,000 | 944 |
| Service charges on deposit accounts | $677,000 | 1,998 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $399,000 | 3,413 |
| Total noninterest expense | $4,301,000 | 3,200 |
| Salaries and employee benefits | $2,315,000 | 2,857 |
| Premises and equipment expense | $650,000 | 3,032 |
| Additional noninterest expense | $1,336,000 | 3,682 |
| Pre-tax net operating income | $2,351,000 | 2,996 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $745,000 | 2,953 |
| Income before extraordinary items | $1,606,000 | 2,998 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,606,000 | 3,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,113 |
| Cash dividends | $1,450,000 | 1,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,606,000 | 3,018 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,726,000 | 3,944 |
| Total interest expense | $2,353,000 | 5,061 |
| Net interest income | $5,373,000 | 3,342 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $1,367,000 | 2,626 |
| Gross Fiduciary activities income | $273,000 | 975 |
| Service charges on deposit accounts | $651,000 | 2,104 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $443,000 | 3,528 |
| Total noninterest expense | $3,879,000 | 3,586 |
| Salaries and employee benefits | $2,114,000 | 3,100 |
| Premises and equipment expense | $596,000 | 3,354 |
| Additional noninterest expense | $1,169,000 | 4,289 |
| Pre-tax net operating income | $2,791,000 | 2,466 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $935,000 | 2,423 |
| Income before extraordinary items | $1,856,000 | 2,695 |
| Extraordinary gains, net | $34,000 | 2,416 |
| Net income | $1,890,000 | 2,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 4,368 |
| Cash dividends | $825,000 | 2,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,856,000 | 2,541 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,525,000 | 4,056 |
| Total interest expense | $3,155,000 | 4,942 |
| Net interest income | $5,370,000 | 3,396 |
| Provision for loan and lease losses | $288,000 | 4,244 |
| Total noninterest income | $1,410,000 | 2,511 |
| Gross Fiduciary activities income | $253,000 | 1,015 |
| Service charges on deposit accounts | $695,000 | 1,946 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $462,000 | 3,356 |
| Total noninterest expense | $3,944,000 | 3,549 |
| Salaries and employee benefits | $1,966,000 | 3,256 |
| Premises and equipment expense | $624,000 | 3,232 |
| Additional noninterest expense | $1,354,000 | 3,910 |
| Pre-tax net operating income | $2,548,000 | 2,431 |
| Securities gains (losses) | $109,000 | 2,865 |
| Applicable income taxes | $898,000 | 2,330 |
| Income before extraordinary items | $1,759,000 | 2,614 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,759,000 | 2,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 4,493 |
| Cash dividends | $700,000 | 2,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,687,060 | 2,532 |
* 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.