Home > Hemlock Federal Bank for Savings > Income and Expense
Hemlock Federal Bank for Savings, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,842,000 | 3,804 |
| Total interest expense | $2,977,000 | 3,534 |
| Net interest income | $3,865,000 | 3,942 |
| Provision for loan and lease losses | $170,000 | 3,189 |
| Total noninterest income | $749,000 | 3,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $749,000 | 2,233 |
| Total noninterest expense | $3,335,000 | 3,661 |
| Salaries and employee benefits | $1,286,000 | 4,740 |
| Premises and equipment expense | $932,000 | 2,031 |
| Additional noninterest expense | $1,117,000 | 3,312 |
| Pre-tax net operating income | $1,109,000 | 4,496 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $375,000 | 3,260 |
| Income before extraordinary items | $734,000 | 4,911 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $734,000 | 4,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $734,000 | 4,896 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,627,000 | 4,400 |
| Total interest expense | $1,607,000 | 3,941 |
| Net interest income | $2,020,000 | 4,689 |
| Provision for loan and lease losses | $142,000 | 2,746 |
| Total noninterest income | $378,000 | 4,188 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $378,000 | 2,647 |
| Total noninterest expense | $1,804,000 | 4,296 |
| Salaries and employee benefits | $636,000 | 5,719 |
| Premises and equipment expense | $486,000 | 2,547 |
| Additional noninterest expense | $682,000 | 3,556 |
| Pre-tax net operating income | $452,000 | 5,636 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $137,000 | 4,127 |
| Income before extraordinary items | $315,000 | 5,905 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $315,000 | 5,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $315,000 | 5,908 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,670,000 | 2,511 |
| Total interest expense | $1,622,000 | 2,181 |
| Net interest income | $2,048,000 | 2,730 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $375,000 | 2,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $375,000 | 1,641 |
| Total noninterest expense | $1,533,000 | 2,825 |
| Salaries and employee benefits | $913,000 | 2,649 |
| Premises and equipment expense | $389,000 | 1,656 |
| Additional noninterest expense | $231,000 | 4,705 |
| Pre-tax net operating income | $890,000 | 2,485 |
| Securities gains (losses) | $330,000 | 131 |
| Applicable income taxes | $407,000 | 1,635 |
| Income before extraordinary items | $813,000 | 2,149 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $813,000 | 2,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $2,000,000 | 412 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $591,900 | 2,757 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,015,000 | 2,357 |
| Total interest expense | $5,850,000 | 1,932 |
| Net interest income | $8,165,000 | 2,649 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $634,000 | 4,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $634,000 | 2,956 |
| Total noninterest expense | $6,131,000 | 2,699 |
| Salaries and employee benefits | $3,677,000 | 2,489 |
| Premises and equipment expense | $1,505,000 | 1,623 |
| Additional noninterest expense | $949,000 | 4,593 |
| Pre-tax net operating income | $2,668,000 | 3,028 |
| Securities gains (losses) | $657,000 | 241 |
| Applicable income taxes | $929,000 | 2,353 |
| Income before extraordinary items | $2,396,000 | 2,683 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,396,000 | 2,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,922,960 | 3,156 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,357,000 | 2,341 |
| Total interest expense | $4,226,000 | 1,892 |
| Net interest income | $6,131,000 | 2,624 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,283,000 | 2,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,283,000 | 1,512 |
| Total noninterest expense | $4,505,000 | 2,720 |
| Salaries and employee benefits | $2,685,000 | 2,509 |
| Premises and equipment expense | $1,113,000 | 1,627 |
| Additional noninterest expense | $707,000 | 4,597 |
| Pre-tax net operating income | $2,909,000 | 2,299 |
| Securities gains (losses) | $657,000 | 221 |
| Applicable income taxes | $1,244,000 | 1,606 |
| Income before extraordinary items | $2,322,000 | 2,204 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,322,000 | 2,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,894,950 | 2,557 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,752,000 | 2,337 |
| Total interest expense | $2,759,000 | 1,822 |
| Net interest income | $3,993,000 | 2,658 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $843,000 | 2,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $843,000 | 1,516 |
| Total noninterest expense | $3,092,000 | 2,624 |
| Salaries and employee benefits | $1,883,000 | 2,375 |
| Premises and equipment expense | $750,000 | 1,607 |
| Additional noninterest expense | $459,000 | 4,663 |
| Pre-tax net operating income | $1,744,000 | 2,424 |
| Securities gains (losses) | $64,000 | 712 |
| Applicable income taxes | $626,000 | 1,935 |
| Income before extraordinary items | $1,182,000 | 2,679 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,182,000 | 2,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,140,400 | 2,732 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,268,000 | 2,360 |
| Total interest expense | $1,355,000 | 1,757 |
| Net interest income | $1,913,000 | 2,758 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $394,000 | 2,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $394,000 | 1,566 |
| Total noninterest expense | $1,550,000 | 2,625 |
| Salaries and employee benefits | $927,000 | 2,434 |
| Premises and equipment expense | $387,000 | 1,570 |
| Additional noninterest expense | $236,000 | 4,552 |
| Pre-tax net operating income | $757,000 | 2,682 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $262,000 | 2,195 |
| Income before extraordinary items | $495,000 | 3,072 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $495,000 | 3,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $495,000 | 3,030 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,256,000 | 2,169 |
| Total interest expense | $6,341,000 | 1,299 |
| Net interest income | $6,915,000 | 2,920 |
| Provision for loan and lease losses | $-300,000 | 8,873 |
| Total noninterest income | $160,000 | 7,515 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $160,000 | 5,564 |
| Total noninterest expense | $6,472,000 | 2,471 |
| Salaries and employee benefits | $3,634,000 | 2,393 |
| Premises and equipment expense | $1,429,000 | 1,627 |
| Additional noninterest expense | $1,409,000 | 3,281 |
| Pre-tax net operating income | $903,000 | 5,484 |
| Securities gains (losses) | $198,000 | 834 |
| Applicable income taxes | $268,000 | 4,361 |
| Income before extraordinary items | $833,000 | 5,168 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $833,000 | 5,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $1,200,000 | 2,033 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $682,520 | 5,598 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,991,000 | 2,130 |
| Total interest expense | $4,809,000 | 1,256 |
| Net interest income | $5,182,000 | 2,903 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,250,000 | 2,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,250,000 | 1,515 |
| Total noninterest expense | $4,905,000 | 2,420 |
| Salaries and employee benefits | $2,811,000 | 2,307 |
| Premises and equipment expense | $1,111,000 | 1,570 |
| Additional noninterest expense | $983,000 | 3,479 |
| Pre-tax net operating income | $1,527,000 | 3,537 |
| Securities gains (losses) | $87,000 | 1,278 |
| Applicable income taxes | $506,000 | 2,877 |
| Income before extraordinary items | $1,108,000 | 3,750 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,108,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $1,200,000 | 1,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,047,970 | 3,823 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,728,000 | 2,072 |
| Total interest expense | $3,197,000 | 1,236 |
| Net interest income | $3,531,000 | 2,822 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $835,000 | 2,514 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $835,000 | 1,506 |
| Total noninterest expense | $3,299,000 | 2,415 |
| Salaries and employee benefits | $1,859,000 | 2,325 |
| Premises and equipment expense | $762,000 | 1,518 |
| Additional noninterest expense | $678,000 | 3,385 |
| Pre-tax net operating income | $1,067,000 | 3,379 |
| Securities gains (losses) | $87,000 | 1,122 |
| Applicable income taxes | $364,000 | 2,732 |
| Income before extraordinary items | $790,000 | 3,554 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $790,000 | 3,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $1,200,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $730,840 | 3,673 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,481,000 | 2,012 |
| Total interest expense | $1,608,000 | 1,240 |
| Net interest income | $1,873,000 | 2,641 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $420,000 | 2,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $420,000 | 1,481 |
| Total noninterest expense | $1,725,000 | 2,307 |
| Salaries and employee benefits | $956,000 | 2,285 |
| Premises and equipment expense | $394,000 | 1,483 |
| Additional noninterest expense | $375,000 | 3,085 |
| Pre-tax net operating income | $568,000 | 3,214 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $167,000 | 2,886 |
| Income before extraordinary items | $401,000 | 3,487 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $401,000 | 3,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $401,000 | 3,390 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,450,000 | 2,309 |
| Total interest expense | $7,251,000 | 1,220 |
| Net interest income | $5,199,000 | 3,581 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $2,913,000 | 1,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,913,000 | 1,115 |
| Total noninterest expense | $6,583,000 | 2,386 |
| Salaries and employee benefits | $3,677,000 | 2,305 |
| Premises and equipment expense | $1,587,000 | 1,430 |
| Additional noninterest expense | $1,319,000 | 3,452 |
| Pre-tax net operating income | $1,529,000 | 4,081 |
| Securities gains (losses) | $133,000 | 1,641 |
| Applicable income taxes | $505,000 | 3,355 |
| Income before extraordinary items | $1,157,000 | 4,233 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,157,000 | 4,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $3,000,000 | 993 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,063,900 | 4,297 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,477,000 | 2,312 |
| Total interest expense | $5,584,000 | 1,246 |
| Net interest income | $3,893,000 | 3,609 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,244,000 | 1,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,244,000 | 1,139 |
| Total noninterest expense | $4,912,000 | 2,401 |
| Salaries and employee benefits | $2,772,000 | 2,293 |
| Premises and equipment expense | $1,167,000 | 1,475 |
| Additional noninterest expense | $973,000 | 3,469 |
| Pre-tax net operating income | $1,225,000 | 4,011 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $368,000 | 3,551 |
| Income before extraordinary items | $857,000 | 4,422 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $857,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $3,000,000 | 723 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $857,000 | 4,249 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,626,000 | 2,197 |
| Total interest expense | $3,813,000 | 1,257 |
| Net interest income | $2,813,000 | 3,359 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,368,000 | 1,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,368,000 | 1,217 |
| Total noninterest expense | $3,279,000 | 2,392 |
| Salaries and employee benefits | $1,853,000 | 2,281 |
| Premises and equipment expense | $793,000 | 1,445 |
| Additional noninterest expense | $633,000 | 3,548 |
| Pre-tax net operating income | $902,000 | 3,754 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $276,000 | 3,384 |
| Income before extraordinary items | $626,000 | 4,166 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $626,000 | 4,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $3,000,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $626,000 | 3,971 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,491,000 | 2,105 |
| Total interest expense | $1,941,000 | 1,257 |
| Net interest income | $1,550,000 | 3,083 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $612,000 | 1,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $612,000 | 1,281 |
| Total noninterest expense | $1,649,000 | 2,359 |
| Salaries and employee benefits | $925,000 | 2,272 |
| Premises and equipment expense | $397,000 | 1,462 |
| Additional noninterest expense | $327,000 | 3,382 |
| Pre-tax net operating income | $513,000 | 3,430 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $162,000 | 3,089 |
| Income before extraordinary items | $351,000 | 3,787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $351,000 | 3,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $1,000,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $351,000 | 3,614 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,208,000 | 2,022 |
| Total interest expense | $8,197,000 | 1,372 |
| Net interest income | $7,011,000 | 2,729 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $2,153,000 | 2,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,153,000 | 1,241 |
| Total noninterest expense | $6,476,000 | 2,310 |
| Salaries and employee benefits | $3,569,000 | 2,243 |
| Premises and equipment expense | $1,523,000 | 1,449 |
| Additional noninterest expense | $1,384,000 | 3,168 |
| Pre-tax net operating income | $2,688,000 | 2,735 |
| Securities gains (losses) | $139,000 | 1,444 |
| Applicable income taxes | $974,000 | 2,256 |
| Income before extraordinary items | $1,853,000 | 2,965 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,853,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,761,260 | 2,996 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,937,000 | 2,021 |
| Total interest expense | $10,151,000 | 1,602 |
| Net interest income | $6,786,000 | 2,638 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $2,304,000 | 1,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,304,000 | 1,132 |
| Total noninterest expense | $6,185,000 | 2,308 |
| Salaries and employee benefits | $3,311,000 | 2,264 |
| Premises and equipment expense | $1,511,000 | 1,419 |
| Additional noninterest expense | $1,363,000 | 3,132 |
| Pre-tax net operating income | $2,905,000 | 2,326 |
| Securities gains (losses) | $186,000 | 1,253 |
| Applicable income taxes | $1,065,000 | 1,981 |
| Income before extraordinary items | $2,026,000 | 2,500 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,026,000 | 2,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,903,240 | 2,569 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,039,000 | 2,070 |
| Total interest expense | $9,947,000 | 1,735 |
| Net interest income | $7,092,000 | 2,512 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $1,584,000 | 2,254 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,584,000 | 1,331 |
| Total noninterest expense | $5,472,000 | 2,497 |
| Salaries and employee benefits | $2,897,000 | 2,463 |
| Premises and equipment expense | $1,454,000 | 1,428 |
| Additional noninterest expense | $1,121,000 | 3,649 |
| Pre-tax net operating income | $3,204,000 | 2,252 |
| Securities gains (losses) | $-6,000 | 8,044 |
| Applicable income taxes | $1,136,000 | 1,904 |
| Income before extraordinary items | $2,062,000 | 2,491 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,062,000 | 2,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $3,010,000 | 946 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,065,840 | 2,488 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,847,000 | 2,363 |
| Total interest expense | $7,389,000 | 2,017 |
| Net interest income | $6,458,000 | 2,722 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $819,000 | 3,563 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $819,000 | 2,132 |
| Total noninterest expense | $4,552,000 | 2,956 |
| Salaries and employee benefits | $2,477,000 | 2,830 |
| Premises and equipment expense | $1,230,000 | 1,660 |
| Additional noninterest expense | $845,000 | 4,605 |
| Pre-tax net operating income | $2,705,000 | 2,624 |
| Securities gains (losses) | $86,000 | 793 |
| Applicable income taxes | $1,062,000 | 2,120 |
| Income before extraordinary items | $1,729,000 | 2,900 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,729,000 | 2,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $2,400,000 | 1,168 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,673,960 | 2,939 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,339,000 | 2,642 |
| Total interest expense | $6,948,000 | 2,182 |
| Net interest income | $5,391,000 | 3,187 |
| Provision for loan and lease losses | $21,000 | 7,700 |
| Total noninterest income | $778,000 | 3,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $778,000 | 2,216 |
| Total noninterest expense | $3,952,000 | 3,229 |
| Salaries and employee benefits | $2,290,000 | 2,945 |
| Premises and equipment expense | $905,000 | 2,145 |
| Additional noninterest expense | $757,000 | 4,864 |
| Pre-tax net operating income | $2,196,000 | 3,088 |
| Securities gains (losses) | $63,000 | 1,575 |
| Applicable income taxes | $876,000 | 2,545 |
| Income before extraordinary items | $1,383,000 | 3,478 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,383,000 | 3,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,342,680 | 3,475 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,832,000 | 2,996 |
| Total interest expense | $5,810,000 | 2,566 |
| Net interest income | $5,022,000 | 3,468 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $616,000 | 4,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $616,000 | 2,427 |
| Total noninterest expense | $3,436,000 | 3,663 |
| Salaries and employee benefits | $1,930,000 | 3,418 |
| Premises and equipment expense | $944,000 | 2,089 |
| Additional noninterest expense | $562,000 | 6,036 |
| Pre-tax net operating income | $2,172,000 | 3,278 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $829,000 | 2,846 |
| Income before extraordinary items | $1,341,000 | 3,697 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,341,000 | 3,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $7,512,000 | 123 |
| Net operating income | $1,342,280 | 3,621 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,068,000 | 3,260 |
| Total interest expense | $5,643,000 | 2,689 |
| Net interest income | $4,425,000 | 3,946 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $582,000 | 4,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $582,000 | 2,622 |
| Total noninterest expense | $4,490,000 | 3,020 |
| Salaries and employee benefits | $1,765,000 | 3,739 |
| Premises and equipment expense | $1,197,000 | 1,702 |
| Additional noninterest expense | $1,528,000 | 3,072 |
| Pre-tax net operating income | $367,000 | 8,711 |
| Securities gains (losses) | $-123,000 | 11,242 |
| Applicable income taxes | $82,000 | 9,093 |
| Income before extraordinary items | $162,000 | 9,673 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $162,000 | 9,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $243,180 | 8,835 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,870,000 | 3,315 |
| Total interest expense | $5,417,000 | 2,823 |
| Net interest income | $4,453,000 | 3,944 |
| Provision for loan and lease losses | $133,000 | 3,890 |
| Total noninterest income | $794,000 | 3,703 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $794,000 | 2,115 |
| Total noninterest expense | $3,443,000 | 3,800 |
| Salaries and employee benefits | $1,701,000 | 3,822 |
| Premises and equipment expense | $1,079,000 | 1,872 |
| Additional noninterest expense | $663,000 | 6,102 |
| Pre-tax net operating income | $1,671,000 | 4,076 |
| Securities gains (losses) | $-160,000 | 11,631 |
| Applicable income taxes | $560,000 | 3,844 |
| Income before extraordinary items | $951,000 | 4,786 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $951,000 | 4,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,053,400 | 4,388 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,440,000 | 3,555 |
| Total interest expense | $4,672,000 | 2,623 |
| Net interest income | $3,768,000 | 4,618 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $611,000 | 4,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $611,000 | 2,550 |
| Total noninterest expense | $3,257,000 | 4,111 |
| Salaries and employee benefits | $1,567,000 | 4,125 |
| Premises and equipment expense | $987,000 | 2,062 |
| Additional noninterest expense | $703,000 | 6,294 |
| Pre-tax net operating income | $972,000 | 6,074 |
| Securities gains (losses) | $-89,000 | 11,454 |
| Applicable income taxes | $343,000 | 5,350 |
| Income before extraordinary items | $540,000 | 7,002 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $540,000 | 7,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $596,960 | 6,633 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,761,000 | 3,514 |
| Total interest expense | $4,950,000 | 2,596 |
| Net interest income | $3,811,000 | 4,600 |
| Provision for loan and lease losses | $149,000 | 4,708 |
| Total noninterest income | $516,000 | 5,478 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $516,000 | 3,203 |
| Total noninterest expense | $3,315,000 | 4,114 |
| Salaries and employee benefits | $1,483,000 | 4,318 |
| Premises and equipment expense | $1,159,000 | 1,809 |
| Additional noninterest expense | $673,000 | 6,764 |
| Pre-tax net operating income | $863,000 | 6,502 |
| Securities gains (losses) | $270,000 | 1,396 |
| Applicable income taxes | $412,000 | 4,906 |
| Income before extraordinary items | $721,000 | 5,978 |
| Extraordinary gains, net | $256,000 | 822 |
| Net income | $977,000 | 4,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 2,015 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $548,200 | 6,910 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,047,000 | 3,468 |
| Total interest expense | $6,194,000 | 2,695 |
| Net interest income | $3,853,000 | 4,608 |
| Provision for loan and lease losses | $359,000 | 3,724 |
| Total noninterest income | $532,000 | 5,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $532,000 | 3,063 |
| Total noninterest expense | $3,070,000 | 4,431 |
| Salaries and employee benefits | $1,344,000 | 4,681 |
| Premises and equipment expense | $1,156,000 | 1,828 |
| Additional noninterest expense | $570,000 | 7,774 |
| Pre-tax net operating income | $956,000 | 5,823 |
| Securities gains (losses) | $466,000 | 1,149 |
| Applicable income taxes | $638,000 | 3,266 |
| Income before extraordinary items | $784,000 | 5,444 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $784,000 | 5,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 7,942 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $485,760 | 7,083 |
* 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.