Home > Harbor Federal Savings Bank > Income and Expense
Harbor Federal Savings Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $51,850,000 | 736 |
| Total interest expense | $27,692,000 | 620 |
| Net interest income | $24,158,000 | 916 |
| Provision for loan and lease losses | $-8,090,000 | 8,672 |
| Total noninterest income | $5,682,000 | 990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,682,000 | 618 |
| Total noninterest expense | $18,753,000 | 949 |
| Salaries and employee benefits | $11,738,000 | 809 |
| Premises and equipment expense | $3,797,000 | 680 |
| Additional noninterest expense | $3,218,000 | 1,629 |
| Pre-tax net operating income | $19,177,000 | 555 |
| Securities gains (losses) | $918,000 | 174 |
| Applicable income taxes | $8,165,000 | 451 |
| Income before extraordinary items | $11,930,000 | 636 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $11,930,000 | 635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $722,000 | 888 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $11,342,480 | 655 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $152,958,000 | 244 |
| Total interest expense | $65,338,000 | 245 |
| Net interest income | $87,620,000 | 242 |
| Provision for loan and lease losses | $1,206,000 | 645 |
| Total noninterest income | $17,246,000 | 357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,246,000 | 256 |
| Total noninterest expense | $46,192,000 | 333 |
| Salaries and employee benefits | $25,693,000 | 301 |
| Premises and equipment expense | $10,737,000 | 202 |
| Additional noninterest expense | $9,762,000 | 452 |
| Pre-tax net operating income | $57,468,000 | 205 |
| Securities gains (losses) | $1,813,000 | 97 |
| Applicable income taxes | $23,848,000 | 185 |
| Income before extraordinary items | $35,433,000 | 225 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $35,433,000 | 225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $278,000 | 1,223 |
| Cash dividends | $15,000,000 | 235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $34,272,680 | 229 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $99,594,000 | 247 |
| Total interest expense | $40,849,000 | 252 |
| Net interest income | $58,745,000 | 246 |
| Provision for loan and lease losses | $719,000 | 704 |
| Total noninterest income | $11,793,000 | 353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,793,000 | 255 |
| Total noninterest expense | $29,686,000 | 343 |
| Salaries and employee benefits | $17,124,000 | 302 |
| Premises and equipment expense | $7,097,000 | 203 |
| Additional noninterest expense | $5,465,000 | 521 |
| Pre-tax net operating income | $40,133,000 | 208 |
| Securities gains (losses) | $1,200,000 | 97 |
| Applicable income taxes | $16,108,000 | 184 |
| Income before extraordinary items | $25,225,000 | 219 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $25,225,000 | 219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $832,000 | 389 |
| Cash dividends | $15,000,000 | 176 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $24,457,000 | 225 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $48,485,000 | 246 |
| Total interest expense | $19,208,000 | 253 |
| Net interest income | $29,277,000 | 246 |
| Provision for loan and lease losses | $349,000 | 690 |
| Total noninterest income | $5,881,000 | 342 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,881,000 | 257 |
| Total noninterest expense | $14,863,000 | 339 |
| Salaries and employee benefits | $8,670,000 | 304 |
| Premises and equipment expense | $3,502,000 | 208 |
| Additional noninterest expense | $2,691,000 | 529 |
| Pre-tax net operating income | $19,946,000 | 205 |
| Securities gains (losses) | $665,000 | 89 |
| Applicable income taxes | $8,013,000 | 184 |
| Income before extraordinary items | $12,598,000 | 219 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,598,000 | 219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,212 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $12,172,400 | 224 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $173,012,000 | 237 |
| Total interest expense | $61,218,000 | 240 |
| Net interest income | $111,794,000 | 236 |
| Provision for loan and lease losses | $1,817,000 | 584 |
| Total noninterest income | $21,987,000 | 375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $21,987,000 | 277 |
| Total noninterest expense | $56,109,000 | 350 |
| Salaries and employee benefits | $33,248,000 | 290 |
| Premises and equipment expense | $12,296,000 | 223 |
| Additional noninterest expense | $10,565,000 | 532 |
| Pre-tax net operating income | $75,855,000 | 211 |
| Securities gains (losses) | $2,739,000 | 118 |
| Applicable income taxes | $30,758,000 | 183 |
| Income before extraordinary items | $47,836,000 | 223 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $47,836,000 | 224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,783 |
| Cash dividends | $30,000,000 | 182 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $46,083,040 | 224 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $126,554,000 | 237 |
| Total interest expense | $43,259,000 | 239 |
| Net interest income | $83,295,000 | 234 |
| Provision for loan and lease losses | $1,465,000 | 518 |
| Total noninterest income | $16,597,000 | 374 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,597,000 | 283 |
| Total noninterest expense | $41,628,000 | 349 |
| Salaries and employee benefits | $24,601,000 | 294 |
| Premises and equipment expense | $9,021,000 | 229 |
| Additional noninterest expense | $8,006,000 | 527 |
| Pre-tax net operating income | $56,799,000 | 214 |
| Securities gains (losses) | $1,862,000 | 128 |
| Applicable income taxes | $22,910,000 | 191 |
| Income before extraordinary items | $35,751,000 | 228 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $35,751,000 | 229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,647 |
| Cash dividends | $15,000,000 | 221 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $34,559,320 | 226 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $82,397,000 | 231 |
| Total interest expense | $27,288,000 | 238 |
| Net interest income | $55,109,000 | 231 |
| Provision for loan and lease losses | $1,001,000 | 509 |
| Total noninterest income | $10,492,000 | 383 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,492,000 | 286 |
| Total noninterest expense | $27,035,000 | 350 |
| Salaries and employee benefits | $16,149,000 | 296 |
| Premises and equipment expense | $5,737,000 | 232 |
| Additional noninterest expense | $5,149,000 | 539 |
| Pre-tax net operating income | $37,565,000 | 213 |
| Securities gains (losses) | $1,206,000 | 143 |
| Applicable income taxes | $15,144,000 | 188 |
| Income before extraordinary items | $23,627,000 | 228 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $23,627,000 | 228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 990 |
| Cash dividends | $10,000,000 | 200 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $22,855,160 | 227 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $39,916,000 | 237 |
| Total interest expense | $12,841,000 | 238 |
| Net interest income | $27,075,000 | 234 |
| Provision for loan and lease losses | $538,000 | 444 |
| Total noninterest income | $5,028,000 | 384 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,028,000 | 287 |
| Total noninterest expense | $13,117,000 | 355 |
| Salaries and employee benefits | $7,930,000 | 298 |
| Premises and equipment expense | $2,843,000 | 232 |
| Additional noninterest expense | $2,344,000 | 580 |
| Pre-tax net operating income | $18,448,000 | 217 |
| Securities gains (losses) | $564,000 | 136 |
| Applicable income taxes | $7,417,000 | 189 |
| Income before extraordinary items | $11,595,000 | 234 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $11,595,000 | 234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,563 |
| Cash dividends | $5,000,000 | 174 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $11,234,040 | 235 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $146,260,000 | 242 |
| Total interest expense | $48,498,000 | 220 |
| Net interest income | $97,762,000 | 261 |
| Provision for loan and lease losses | $1,654,000 | 652 |
| Total noninterest income | $19,634,000 | 391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $19,634,000 | 290 |
| Total noninterest expense | $50,394,000 | 364 |
| Salaries and employee benefits | $29,996,000 | 311 |
| Premises and equipment expense | $10,729,000 | 248 |
| Additional noninterest expense | $9,669,000 | 566 |
| Pre-tax net operating income | $65,348,000 | 217 |
| Securities gains (losses) | $2,235,000 | 169 |
| Applicable income taxes | $25,995,000 | 191 |
| Income before extraordinary items | $41,588,000 | 236 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $41,588,000 | 237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $5,000,000 | 614 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $40,157,600 | 233 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $107,930,000 | 245 |
| Total interest expense | $35,692,000 | 219 |
| Net interest income | $72,238,000 | 265 |
| Provision for loan and lease losses | $1,204,000 | 645 |
| Total noninterest income | $14,903,000 | 400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,903,000 | 298 |
| Total noninterest expense | $37,992,000 | 368 |
| Salaries and employee benefits | $22,437,000 | 314 |
| Premises and equipment expense | $8,087,000 | 248 |
| Additional noninterest expense | $7,468,000 | 548 |
| Pre-tax net operating income | $47,945,000 | 221 |
| Securities gains (losses) | $1,767,000 | 179 |
| Applicable income taxes | $19,011,000 | 194 |
| Income before extraordinary items | $30,701,000 | 236 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $30,701,000 | 237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,128 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $29,570,120 | 237 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $71,088,000 | 245 |
| Total interest expense | $23,308,000 | 217 |
| Net interest income | $47,780,000 | 260 |
| Provision for loan and lease losses | $854,000 | 592 |
| Total noninterest income | $9,858,000 | 398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $9,858,000 | 298 |
| Total noninterest expense | $25,500,000 | 361 |
| Salaries and employee benefits | $15,005,000 | 309 |
| Premises and equipment expense | $5,257,000 | 255 |
| Additional noninterest expense | $5,238,000 | 512 |
| Pre-tax net operating income | $31,284,000 | 225 |
| Securities gains (losses) | $1,214,000 | 191 |
| Applicable income taxes | $12,986,000 | 194 |
| Income before extraordinary items | $19,512,000 | 240 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $19,512,000 | 241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $18,735,040 | 237 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $35,085,000 | 245 |
| Total interest expense | $11,658,000 | 217 |
| Net interest income | $23,427,000 | 265 |
| Provision for loan and lease losses | $351,000 | 703 |
| Total noninterest income | $4,516,000 | 420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,516,000 | 297 |
| Total noninterest expense | $12,089,000 | 386 |
| Salaries and employee benefits | $7,428,000 | 318 |
| Premises and equipment expense | $2,610,000 | 259 |
| Additional noninterest expense | $2,051,000 | 633 |
| Pre-tax net operating income | $15,503,000 | 220 |
| Securities gains (losses) | $917,000 | 182 |
| Applicable income taxes | $6,406,000 | 196 |
| Income before extraordinary items | $10,014,000 | 239 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $10,014,000 | 240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $9,427,120 | 235 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $133,998,000 | 259 |
| Total interest expense | $47,815,000 | 226 |
| Net interest income | $86,183,000 | 275 |
| Provision for loan and lease losses | $1,943,000 | 666 |
| Total noninterest income | $17,480,000 | 438 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $17,480,000 | 311 |
| Total noninterest expense | $44,071,000 | 421 |
| Salaries and employee benefits | $26,965,000 | 343 |
| Premises and equipment expense | $9,433,000 | 283 |
| Additional noninterest expense | $7,673,000 | 696 |
| Pre-tax net operating income | $57,649,000 | 220 |
| Securities gains (losses) | $3,959,000 | 183 |
| Applicable income taxes | $23,973,000 | 201 |
| Income before extraordinary items | $37,635,000 | 245 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $37,635,000 | 247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,824 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $35,101,240 | 235 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $100,105,000 | 268 |
| Total interest expense | $36,081,000 | 238 |
| Net interest income | $64,024,000 | 281 |
| Provision for loan and lease losses | $1,495,000 | 656 |
| Total noninterest income | $12,945,000 | 466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,945,000 | 337 |
| Total noninterest expense | $32,556,000 | 430 |
| Salaries and employee benefits | $19,869,000 | 355 |
| Premises and equipment expense | $6,964,000 | 291 |
| Additional noninterest expense | $5,723,000 | 696 |
| Pre-tax net operating income | $42,918,000 | 228 |
| Securities gains (losses) | $3,218,000 | 195 |
| Applicable income taxes | $17,931,000 | 209 |
| Income before extraordinary items | $28,205,000 | 251 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $28,205,000 | 252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,399 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $26,145,480 | 238 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $66,483,000 | 272 |
| Total interest expense | $24,222,000 | 245 |
| Net interest income | $42,261,000 | 286 |
| Provision for loan and lease losses | $1,161,000 | 584 |
| Total noninterest income | $8,574,000 | 467 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $8,574,000 | 342 |
| Total noninterest expense | $21,370,000 | 440 |
| Salaries and employee benefits | $13,010,000 | 357 |
| Premises and equipment expense | $4,562,000 | 302 |
| Additional noninterest expense | $3,798,000 | 702 |
| Pre-tax net operating income | $28,304,000 | 231 |
| Securities gains (losses) | $2,384,000 | 201 |
| Applicable income taxes | $12,016,000 | 209 |
| Income before extraordinary items | $18,672,000 | 256 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $18,672,000 | 256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,047 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $17,146,240 | 245 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $33,149,000 | 277 |
| Total interest expense | $12,353,000 | 250 |
| Net interest income | $20,796,000 | 294 |
| Provision for loan and lease losses | $502,000 | 615 |
| Total noninterest income | $4,213,000 | 475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,213,000 | 353 |
| Total noninterest expense | $10,404,000 | 449 |
| Salaries and employee benefits | $6,309,000 | 368 |
| Premises and equipment expense | $2,261,000 | 304 |
| Additional noninterest expense | $1,834,000 | 707 |
| Pre-tax net operating income | $14,103,000 | 236 |
| Securities gains (losses) | $1,118,000 | 200 |
| Applicable income taxes | $5,955,000 | 217 |
| Income before extraordinary items | $9,266,000 | 259 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,266,000 | 259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $8,550,480 | 250 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $132,733,000 | 296 |
| Total interest expense | $55,226,000 | 258 |
| Net interest income | $77,507,000 | 315 |
| Provision for loan and lease losses | $1,659,000 | 864 |
| Total noninterest income | $15,171,000 | 479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,171,000 | 345 |
| Total noninterest expense | $38,476,000 | 457 |
| Salaries and employee benefits | $23,039,000 | 374 |
| Premises and equipment expense | $8,291,000 | 308 |
| Additional noninterest expense | $7,146,000 | 723 |
| Pre-tax net operating income | $52,543,000 | 236 |
| Securities gains (losses) | $3,089,000 | 206 |
| Applicable income taxes | $21,692,000 | 217 |
| Income before extraordinary items | $33,940,000 | 261 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $33,940,000 | 261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 1,647 |
| Cash dividends | $29,000,000 | 194 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $31,963,040 | 254 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $126,460,000 | 329 |
| Total interest expense | $64,141,000 | 312 |
| Net interest income | $62,319,000 | 341 |
| Provision for loan and lease losses | $903,000 | 1,345 |
| Total noninterest income | $12,011,000 | 539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $12,011,000 | 381 |
| Total noninterest expense | $33,324,000 | 507 |
| Salaries and employee benefits | $19,540,000 | 414 |
| Premises and equipment expense | $7,290,000 | 339 |
| Additional noninterest expense | $6,494,000 | 774 |
| Pre-tax net operating income | $40,103,000 | 257 |
| Securities gains (losses) | $712,000 | 496 |
| Applicable income taxes | $15,998,000 | 243 |
| Income before extraordinary items | $24,817,000 | 285 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $24,817,000 | 284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 2,200 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $24,361,320 | 276 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $114,873,000 | 374 |
| Total interest expense | $58,303,000 | 372 |
| Net interest income | $56,570,000 | 377 |
| Provision for loan and lease losses | $844,000 | 1,221 |
| Total noninterest income | $10,079,000 | 578 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $10,079,000 | 416 |
| Total noninterest expense | $28,834,000 | 554 |
| Salaries and employee benefits | $17,122,000 | 442 |
| Premises and equipment expense | $5,984,000 | 380 |
| Additional noninterest expense | $5,728,000 | 861 |
| Pre-tax net operating income | $36,971,000 | 288 |
| Securities gains (losses) | $124,000 | 519 |
| Applicable income taxes | $14,352,000 | 268 |
| Income before extraordinary items | $22,743,000 | 305 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $22,743,000 | 304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 9,636 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $22,663,640 | 301 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $104,135,000 | 397 |
| Total interest expense | $49,652,000 | 387 |
| Net interest income | $54,483,000 | 390 |
| Provision for loan and lease losses | $865,000 | 1,103 |
| Total noninterest income | $6,983,000 | 756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $6,983,000 | 539 |
| Total noninterest expense | $25,826,000 | 622 |
| Salaries and employee benefits | $15,563,000 | 494 |
| Premises and equipment expense | $5,013,000 | 465 |
| Additional noninterest expense | $5,250,000 | 925 |
| Pre-tax net operating income | $34,775,000 | 323 |
| Securities gains (losses) | $53,000 | 962 |
| Applicable income taxes | $13,199,000 | 314 |
| Income before extraordinary items | $21,629,000 | 346 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $21,629,000 | 346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 1,224 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $21,595,080 | 338 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $97,086,000 | 413 |
| Total interest expense | $47,073,000 | 415 |
| Net interest income | $50,013,000 | 406 |
| Provision for loan and lease losses | $641,000 | 1,413 |
| Total noninterest income | $5,558,000 | 863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $5,558,000 | 606 |
| Total noninterest expense | $24,467,000 | 637 |
| Salaries and employee benefits | $15,046,000 | 485 |
| Premises and equipment expense | $4,358,000 | 507 |
| Additional noninterest expense | $5,063,000 | 942 |
| Pre-tax net operating income | $30,463,000 | 319 |
| Securities gains (losses) | $747,000 | 451 |
| Applicable income taxes | $12,814,000 | 290 |
| Income before extraordinary items | $18,396,000 | 360 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $18,396,000 | 360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 1,745 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $17,917,920 | 350 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $86,795,000 | 448 |
| Total interest expense | $45,992,000 | 418 |
| Net interest income | $40,803,000 | 473 |
| Provision for loan and lease losses | $468,000 | 1,881 |
| Total noninterest income | $5,079,000 | 913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $5,079,000 | 611 |
| Total noninterest expense | $21,905,000 | 690 |
| Salaries and employee benefits | $12,531,000 | 545 |
| Premises and equipment expense | $4,592,000 | 475 |
| Additional noninterest expense | $4,782,000 | 1,001 |
| Pre-tax net operating income | $23,509,000 | 401 |
| Securities gains (losses) | $314,000 | 555 |
| Applicable income taxes | $9,392,000 | 378 |
| Income before extraordinary items | $14,431,000 | 447 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $14,431,000 | 448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,394 |
| Cash dividends | $1,576,000 | 1,558 |
| Sale, conversion, retirement of capital stock, net | $314,000 | 605 |
| Net operating income | $14,230,040 | 427 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $76,757,000 | 530 |
| Total interest expense | $40,618,000 | 492 |
| Net interest income | $36,139,000 | 561 |
| Provision for loan and lease losses | $206,000 | 3,341 |
| Total noninterest income | $3,695,000 | 1,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,695,000 | 780 |
| Total noninterest expense | $24,829,000 | 653 |
| Salaries and employee benefits | $11,148,000 | 634 |
| Premises and equipment expense | $3,835,000 | 583 |
| Additional noninterest expense | $9,846,000 | 687 |
| Pre-tax net operating income | $14,799,000 | 571 |
| Securities gains (losses) | $79,000 | 1,069 |
| Applicable income taxes | $5,844,000 | 522 |
| Income before extraordinary items | $9,034,000 | 637 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,034,000 | 637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 11,037 |
| Cash dividends | $2,598,000 | 1,067 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 628 |
| Net operating income | $8,983,440 | 621 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $66,894,000 | 610 |
| Total interest expense | $35,471,000 | 574 |
| Net interest income | $31,423,000 | 655 |
| Provision for loan and lease losses | $151,000 | 3,608 |
| Total noninterest income | $3,241,000 | 1,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $3,241,000 | 853 |
| Total noninterest expense | $18,218,000 | 856 |
| Salaries and employee benefits | $10,185,000 | 686 |
| Premises and equipment expense | $3,395,000 | 670 |
| Additional noninterest expense | $4,638,000 | 1,189 |
| Pre-tax net operating income | $16,295,000 | 551 |
| Securities gains (losses) | $123,000 | 863 |
| Applicable income taxes | $6,148,000 | 530 |
| Income before extraordinary items | $10,270,000 | 585 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $10,270,000 | 585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-196,000 | 11,850 |
| Cash dividends | $1,881,000 | 1,302 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $10,191,280 | 585 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $56,973,000 | 628 |
| Total interest expense | $26,866,000 | 571 |
| Net interest income | $30,107,000 | 667 |
| Provision for loan and lease losses | $952,000 | 964 |
| Total noninterest income | $3,041,000 | 1,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,041,000 | 866 |
| Total noninterest expense | $17,929,000 | 880 |
| Salaries and employee benefits | $9,918,000 | 708 |
| Premises and equipment expense | $3,182,000 | 722 |
| Additional noninterest expense | $4,829,000 | 1,211 |
| Pre-tax net operating income | $14,267,000 | 601 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $5,159,000 | 556 |
| Income before extraordinary items | $9,120,000 | 622 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $9,120,000 | 620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-440,000 | 12,523 |
| Cash dividends | $683,000 | 2,580 |
| Sale, conversion, retirement of capital stock, net | $22,012,000 | 59 |
| Net operating income | $9,112,320 | 623 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $55,282,000 | 639 |
| Total interest expense | $26,774,000 | 571 |
| Net interest income | $28,508,000 | 693 |
| Provision for loan and lease losses | $2,522,000 | 678 |
| Total noninterest income | $2,528,000 | 1,667 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,528,000 | 1,080 |
| Total noninterest expense | $18,429,000 | 899 |
| Salaries and employee benefits | $9,298,000 | 744 |
| Premises and equipment expense | $3,213,000 | 728 |
| Additional noninterest expense | $5,918,000 | 1,111 |
| Pre-tax net operating income | $10,085,000 | 722 |
| Securities gains (losses) | $346,000 | 1,169 |
| Applicable income taxes | $4,432,000 | 590 |
| Income before extraordinary items | $5,999,000 | 879 |
| Extraordinary gains, net | $593,000 | 379 |
| Net income | $6,592,000 | 822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 1,789 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,777,560 | 863 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $58,901,000 | 675 |
| Total interest expense | $32,525,000 | 626 |
| Net interest income | $26,376,000 | 759 |
| Provision for loan and lease losses | $1,568,000 | 1,364 |
| Total noninterest income | $4,322,000 | 1,089 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $4,322,000 | 747 |
| Total noninterest expense | $18,344,000 | 909 |
| Salaries and employee benefits | $8,058,000 | 841 |
| Premises and equipment expense | $2,844,000 | 836 |
| Additional noninterest expense | $7,442,000 | 972 |
| Pre-tax net operating income | $10,786,000 | 595 |
| Securities gains (losses) | $86,000 | 3,258 |
| Applicable income taxes | $4,159,000 | 566 |
| Income before extraordinary items | $6,713,000 | 709 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $6,713,000 | 705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $544,000 | 2,329 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,657,960 | 649 |
* 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.