Home > Heritage Bank > Income and Expense
Heritage Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,301,000 | 1,255 |
| Total interest expense | $13,496,000 | 1,244 |
| Net interest income | $17,805,000 | 1,272 |
| Provision for loan and lease losses | $2,457,000 | 467 |
| Total noninterest income | $814,000 | 4,009 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,871,000 | 946 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-1,057,000 | 8,688 |
| Total noninterest expense | $17,429,000 | 1,034 |
| Salaries and employee benefits | $9,854,000 | 977 |
| Premises and equipment expense | $2,906,000 | 869 |
| Additional noninterest expense | $4,669,000 | 1,149 |
| Pre-tax net operating income | $-1,267,000 | 8,488 |
| Securities gains (losses) | $169,000 | 422 |
| Applicable income taxes | $-794,000 | 8,616 |
| Income before extraordinary items | $-304,000 | 8,200 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-304,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,459,000 | 500 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-412,160 | 8,255 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $23,321,000 | 1,264 |
| Total interest expense | $10,028,000 | 1,223 |
| Net interest income | $13,293,000 | 1,295 |
| Provision for loan and lease losses | $866,000 | 876 |
| Total noninterest income | $84,000 | 7,704 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,384,000 | 964 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $-1,300,000 | 8,753 |
| Total noninterest expense | $13,037,000 | 1,046 |
| Salaries and employee benefits | $7,387,000 | 988 |
| Premises and equipment expense | $2,104,000 | 907 |
| Additional noninterest expense | $3,546,000 | 1,138 |
| Pre-tax net operating income | $-526,000 | 8,460 |
| Securities gains (losses) | $169,000 | 355 |
| Applicable income taxes | $-427,000 | 8,683 |
| Income before extraordinary items | $70,000 | 7,868 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $70,000 | 7,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,045,000 | 445 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-38,160 | 8,173 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,229,000 | 1,266 |
| Total interest expense | $6,439,000 | 1,211 |
| Net interest income | $8,790,000 | 1,310 |
| Provision for loan and lease losses | $529,000 | 935 |
| Total noninterest income | $1,757,000 | 1,438 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $878,000 | 999 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $879,000 | 1,495 |
| Total noninterest expense | $8,751,000 | 1,035 |
| Salaries and employee benefits | $4,927,000 | 995 |
| Premises and equipment expense | $1,421,000 | 892 |
| Additional noninterest expense | $2,403,000 | 1,127 |
| Pre-tax net operating income | $1,267,000 | 3,239 |
| Securities gains (losses) | $169,000 | 288 |
| Applicable income taxes | $334,000 | 2,891 |
| Income before extraordinary items | $1,102,000 | 2,982 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,102,000 | 2,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $680,000 | 451 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $971,870 | 3,278 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,393,000 | 1,278 |
| Total interest expense | $3,089,000 | 1,190 |
| Net interest income | $4,304,000 | 1,334 |
| Provision for loan and lease losses | $255,000 | 903 |
| Total noninterest income | $899,000 | 1,382 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $435,000 | 980 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $464,000 | 1,419 |
| Total noninterest expense | $4,453,000 | 1,018 |
| Salaries and employee benefits | $2,508,000 | 981 |
| Premises and equipment expense | $714,000 | 889 |
| Additional noninterest expense | $1,231,000 | 1,087 |
| Pre-tax net operating income | $495,000 | 3,754 |
| Securities gains (losses) | $156,000 | 206 |
| Applicable income taxes | $140,000 | 3,140 |
| Income before extraordinary items | $511,000 | 3,107 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $511,000 | 3,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 583 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $389,320 | 3,748 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $27,663,000 | 1,208 |
| Total interest expense | $9,590,000 | 1,175 |
| Net interest income | $18,073,000 | 1,194 |
| Provision for loan and lease losses | $953,000 | 1,094 |
| Total noninterest income | $2,477,000 | 1,886 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,693,000 | 1,048 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $784,000 | 2,571 |
| Total noninterest expense | $17,776,000 | 957 |
| Salaries and employee benefits | $10,287,000 | 883 |
| Premises and equipment expense | $2,726,000 | 872 |
| Additional noninterest expense | $4,763,000 | 1,075 |
| Pre-tax net operating income | $1,821,000 | 3,925 |
| Securities gains (losses) | $370,000 | 350 |
| Applicable income taxes | $389,000 | 3,738 |
| Income before extraordinary items | $1,802,000 | 3,355 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,802,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,418,000 | 523 |
| Cash dividends | $900,000 | 2,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,498,600 | 3,759 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,104,000 | 1,206 |
| Total interest expense | $6,706,000 | 1,179 |
| Net interest income | $13,398,000 | 1,190 |
| Provision for loan and lease losses | $831,000 | 909 |
| Total noninterest income | $2,212,000 | 1,634 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,241,000 | 1,069 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $971,000 | 1,858 |
| Total noninterest expense | $13,208,000 | 953 |
| Salaries and employee benefits | $7,640,000 | 882 |
| Premises and equipment expense | $2,046,000 | 857 |
| Additional noninterest expense | $3,522,000 | 1,075 |
| Pre-tax net operating income | $1,571,000 | 3,619 |
| Securities gains (losses) | $370,000 | 329 |
| Applicable income taxes | $403,000 | 3,311 |
| Income before extraordinary items | $1,538,000 | 3,065 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,538,000 | 3,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $937,000 | 518 |
| Cash dividends | $550,000 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,245,700 | 3,543 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,891,000 | 1,218 |
| Total interest expense | $4,124,000 | 1,209 |
| Net interest income | $8,767,000 | 1,205 |
| Provision for loan and lease losses | $506,000 | 957 |
| Total noninterest income | $1,707,000 | 1,447 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $791,000 | 1,092 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $916,000 | 1,436 |
| Total noninterest expense | $8,726,000 | 957 |
| Salaries and employee benefits | $5,033,000 | 884 |
| Premises and equipment expense | $1,340,000 | 869 |
| Additional noninterest expense | $2,353,000 | 1,068 |
| Pre-tax net operating income | $1,242,000 | 3,164 |
| Securities gains (losses) | $370,000 | 277 |
| Applicable income taxes | $387,000 | 2,665 |
| Income before extraordinary items | $1,225,000 | 2,600 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,225,000 | 2,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $398,000 | 717 |
| Cash dividends | $450,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $943,800 | 3,189 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,217,000 | 1,237 |
| Total interest expense | $1,897,000 | 1,250 |
| Net interest income | $4,320,000 | 1,224 |
| Provision for loan and lease losses | $299,000 | 806 |
| Total noninterest income | $767,000 | 1,541 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $384,000 | 1,090 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $383,000 | 1,601 |
| Total noninterest expense | $4,183,000 | 994 |
| Salaries and employee benefits | $2,406,000 | 927 |
| Premises and equipment expense | $654,000 | 903 |
| Additional noninterest expense | $1,123,000 | 1,099 |
| Pre-tax net operating income | $605,000 | 3,201 |
| Securities gains (losses) | $370,000 | 178 |
| Applicable income taxes | $252,000 | 2,261 |
| Income before extraordinary items | $723,000 | 2,270 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $723,000 | 2,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 420 |
| Cash dividends | $350,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $449,200 | 3,280 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $23,428,000 | 1,209 |
| Total interest expense | $5,951,000 | 1,383 |
| Net interest income | $17,477,000 | 1,159 |
| Provision for loan and lease losses | $2,045,000 | 530 |
| Total noninterest income | $3,674,000 | 1,372 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,812,000 | 969 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,862,000 | 1,397 |
| Total noninterest expense | $16,774,000 | 971 |
| Salaries and employee benefits | $9,428,000 | 914 |
| Premises and equipment expense | $2,579,000 | 868 |
| Additional noninterest expense | $4,767,000 | 1,051 |
| Pre-tax net operating income | $2,332,000 | 3,174 |
| Securities gains (losses) | $-32,000 | 8,501 |
| Applicable income taxes | $433,000 | 3,575 |
| Income before extraordinary items | $1,867,000 | 3,099 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,867,000 | 3,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,364,000 | 616 |
| Cash dividends | $1,025,000 | 2,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,892,920 | 3,002 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,409,000 | 1,198 |
| Total interest expense | $4,305,000 | 1,402 |
| Net interest income | $13,104,000 | 1,136 |
| Provision for loan and lease losses | $1,047,000 | 748 |
| Total noninterest income | $2,850,000 | 1,354 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,401,000 | 937 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,449,000 | 1,366 |
| Total noninterest expense | $12,510,000 | 976 |
| Salaries and employee benefits | $6,953,000 | 926 |
| Premises and equipment expense | $1,926,000 | 871 |
| Additional noninterest expense | $3,631,000 | 1,016 |
| Pre-tax net operating income | $2,397,000 | 2,481 |
| Securities gains (losses) | $217,000 | 730 |
| Applicable income taxes | $673,000 | 2,383 |
| Income before extraordinary items | $1,941,000 | 2,387 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,941,000 | 2,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,001,000 | 569 |
| Cash dividends | $775,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,780,420 | 2,511 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,467,000 | 1,195 |
| Total interest expense | $2,757,000 | 1,441 |
| Net interest income | $8,710,000 | 1,127 |
| Provision for loan and lease losses | $403,000 | 1,219 |
| Total noninterest income | $1,757,000 | 1,413 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $946,000 | 906 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $811,000 | 1,537 |
| Total noninterest expense | $8,352,000 | 964 |
| Salaries and employee benefits | $4,570,000 | 933 |
| Premises and equipment expense | $1,299,000 | 859 |
| Additional noninterest expense | $2,483,000 | 1,001 |
| Pre-tax net operating income | $1,712,000 | 2,316 |
| Securities gains (losses) | $207,000 | 637 |
| Applicable income taxes | $518,000 | 2,142 |
| Income before extraordinary items | $1,401,000 | 2,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,401,000 | 2,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 791 |
| Cash dividends | $475,000 | 2,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,249,890 | 2,368 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,767,000 | 1,203 |
| Total interest expense | $1,346,000 | 1,486 |
| Net interest income | $4,421,000 | 1,110 |
| Provision for loan and lease losses | $110,000 | 1,956 |
| Total noninterest income | $781,000 | 1,529 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $462,000 | 904 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $319,000 | 1,809 |
| Total noninterest expense | $4,078,000 | 999 |
| Salaries and employee benefits | $2,237,000 | 963 |
| Premises and equipment expense | $651,000 | 875 |
| Additional noninterest expense | $1,190,000 | 1,034 |
| Pre-tax net operating income | $1,014,000 | 1,986 |
| Securities gains (losses) | $207,000 | 489 |
| Applicable income taxes | $345,000 | 1,743 |
| Income before extraordinary items | $876,000 | 1,787 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $876,000 | 1,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,385 |
| Cash dividends | $350,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $726,960 | 2,023 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,257,000 | 1,227 |
| Total interest expense | $6,138,000 | 1,448 |
| Net interest income | $17,119,000 | 1,132 |
| Provision for loan and lease losses | $2,234,000 | 597 |
| Total noninterest income | $3,110,000 | 1,636 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,397,000 | 1,243 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,713,000 | 1,637 |
| Total noninterest expense | $16,160,000 | 1,015 |
| Salaries and employee benefits | $9,217,000 | 927 |
| Premises and equipment expense | $2,603,000 | 857 |
| Additional noninterest expense | $4,340,000 | 1,164 |
| Pre-tax net operating income | $1,835,000 | 3,589 |
| Securities gains (losses) | $54,000 | 2,448 |
| Applicable income taxes | $350,000 | 4,037 |
| Income before extraordinary items | $1,539,000 | 3,504 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,539,000 | 3,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,756,000 | 608 |
| Cash dividends | $755,000 | 2,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,495,260 | 3,415 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,453,000 | 1,256 |
| Total interest expense | $4,781,000 | 1,454 |
| Net interest income | $12,672,000 | 1,162 |
| Provision for loan and lease losses | $1,405,000 | 683 |
| Total noninterest income | $2,512,000 | 1,577 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,022,000 | 1,284 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,490,000 | 1,537 |
| Total noninterest expense | $12,013,000 | 1,031 |
| Salaries and employee benefits | $7,031,000 | 922 |
| Premises and equipment expense | $1,867,000 | 912 |
| Additional noninterest expense | $3,115,000 | 1,214 |
| Pre-tax net operating income | $1,766,000 | 3,113 |
| Securities gains (losses) | $54,000 | 2,255 |
| Applicable income taxes | $421,000 | 3,327 |
| Income before extraordinary items | $1,399,000 | 3,128 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,399,000 | 3,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,232,000 | 605 |
| Cash dividends | $455,000 | 2,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,357,420 | 3,041 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,672,000 | 1,264 |
| Total interest expense | $3,327,000 | 1,451 |
| Net interest income | $8,345,000 | 1,177 |
| Provision for loan and lease losses | $848,000 | 733 |
| Total noninterest income | $1,733,000 | 1,534 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $660,000 | 1,298 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,073,000 | 1,442 |
| Total noninterest expense | $7,808,000 | 1,044 |
| Salaries and employee benefits | $4,664,000 | 923 |
| Premises and equipment expense | $1,218,000 | 936 |
| Additional noninterest expense | $1,926,000 | 1,287 |
| Pre-tax net operating income | $1,422,000 | 2,706 |
| Securities gains (losses) | $54,000 | 1,961 |
| Applicable income taxes | $409,000 | 2,641 |
| Income before extraordinary items | $1,067,000 | 2,843 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,067,000 | 2,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $593,000 | 762 |
| Cash dividends | $455,000 | 2,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,028,120 | 2,756 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,940,000 | 1,247 |
| Total interest expense | $1,751,000 | 1,411 |
| Net interest income | $4,189,000 | 1,171 |
| Provision for loan and lease losses | $256,000 | 1,091 |
| Total noninterest income | $791,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $317,000 | 1,319 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $474,000 | 1,544 |
| Total noninterest expense | $3,862,000 | 1,043 |
| Salaries and employee benefits | $2,294,000 | 936 |
| Premises and equipment expense | $601,000 | 959 |
| Additional noninterest expense | $967,000 | 1,261 |
| Pre-tax net operating income | $862,000 | 2,323 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $247,000 | 2,335 |
| Income before extraordinary items | $615,000 | 2,478 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $615,000 | 2,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,214 |
| Cash dividends | $340,000 | 1,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $615,000 | 2,341 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,981,000 | 1,335 |
| Total interest expense | $7,141,000 | 1,594 |
| Net interest income | $15,840,000 | 1,219 |
| Provision for loan and lease losses | $1,218,000 | 1,118 |
| Total noninterest income | $2,854,000 | 1,618 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,233,000 | 1,320 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,621,000 | 1,555 |
| Total noninterest expense | $14,506,000 | 1,074 |
| Salaries and employee benefits | $7,988,000 | 1,011 |
| Premises and equipment expense | $2,231,000 | 980 |
| Additional noninterest expense | $4,287,000 | 1,148 |
| Pre-tax net operating income | $2,970,000 | 2,521 |
| Securities gains (losses) | $33,000 | 2,759 |
| Applicable income taxes | $802,000 | 2,593 |
| Income before extraordinary items | $2,201,000 | 2,604 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,201,000 | 2,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $988,000 | 982 |
| Cash dividends | $900,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,176,910 | 2,537 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,922,000 | 1,544 |
| Total interest expense | $8,613,000 | 1,878 |
| Net interest income | $13,309,000 | 1,329 |
| Provision for loan and lease losses | $850,000 | 1,422 |
| Total noninterest income | $2,269,000 | 1,820 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $852,000 | 1,783 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,417,000 | 1,604 |
| Total noninterest expense | $10,897,000 | 1,341 |
| Salaries and employee benefits | $6,178,000 | 1,199 |
| Premises and equipment expense | $1,780,000 | 1,192 |
| Additional noninterest expense | $2,939,000 | 1,580 |
| Pre-tax net operating income | $3,831,000 | 1,838 |
| Securities gains (losses) | $25,000 | 2,980 |
| Applicable income taxes | $1,184,000 | 1,831 |
| Income before extraordinary items | $2,672,000 | 1,963 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,672,000 | 1,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $635,000 | 1,306 |
| Cash dividends | $940,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,654,750 | 1,897 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,498,000 | 2,013 |
| Total interest expense | $7,380,000 | 2,301 |
| Net interest income | $10,118,000 | 1,740 |
| Provision for loan and lease losses | $621,000 | 1,559 |
| Total noninterest income | $1,524,000 | 2,316 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $804,000 | 1,723 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $720,000 | 2,307 |
| Total noninterest expense | $8,586,000 | 1,628 |
| Salaries and employee benefits | $4,699,000 | 1,510 |
| Premises and equipment expense | $1,499,000 | 1,379 |
| Additional noninterest expense | $2,388,000 | 1,848 |
| Pre-tax net operating income | $2,435,000 | 2,818 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $709,000 | 2,752 |
| Income before extraordinary items | $1,726,000 | 2,896 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,726,000 | 2,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,894 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,726,000 | 2,888 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,911,000 | 2,536 |
| Total interest expense | $4,888,000 | 2,990 |
| Net interest income | $8,023,000 | 2,188 |
| Provision for loan and lease losses | $401,000 | 2,098 |
| Total noninterest income | $1,274,000 | 2,583 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $732,000 | 1,814 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $542,000 | 2,807 |
| Total noninterest expense | $6,749,000 | 2,023 |
| Salaries and employee benefits | $3,640,000 | 1,924 |
| Premises and equipment expense | $1,016,000 | 2,021 |
| Additional noninterest expense | $2,093,000 | 2,080 |
| Pre-tax net operating income | $2,147,000 | 3,165 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $652,000 | 3,042 |
| Income before extraordinary items | $1,501,000 | 3,243 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,501,000 | 3,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,806 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,496,800 | 3,211 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,354,000 | 3,431 |
| Total interest expense | $3,634,000 | 3,992 |
| Net interest income | $5,720,000 | 3,011 |
| Provision for loan and lease losses | $420,000 | 1,980 |
| Total noninterest income | $856,000 | 3,445 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $286,000 | 4,134 |
| Total noninterest expense | $5,336,000 | 2,434 |
| Salaries and employee benefits | $2,625,000 | 2,574 |
| Premises and equipment expense | $763,000 | 2,555 |
| Additional noninterest expense | $1,948,000 | 2,155 |
| Pre-tax net operating income | $820,000 | 6,016 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $212,000 | 6,057 |
| Income before extraordinary items | $616,000 | 5,983 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $616,000 | 5,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $38,000 | 7,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $610,080 | 5,899 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,030,000 | 4,487 |
| Total interest expense | $2,721,000 | 5,081 |
| Net interest income | $4,309,000 | 3,961 |
| Provision for loan and lease losses | $318,000 | 2,480 |
| Total noninterest income | $693,000 | 3,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $496,000 | 2,648 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 4,992 |
| Total noninterest expense | $3,497,000 | 3,612 |
| Salaries and employee benefits | $1,770,000 | 3,706 |
| Premises and equipment expense | $533,000 | 3,501 |
| Additional noninterest expense | $1,194,000 | 3,372 |
| Pre-tax net operating income | $1,187,000 | 5,282 |
| Securities gains (losses) | $-14,000 | 10,204 |
| Applicable income taxes | $438,000 | 4,616 |
| Income before extraordinary items | $735,000 | 5,744 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $735,000 | 5,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 2,132 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $743,960 | 5,660 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,671,000 | 5,392 |
| Total interest expense | $2,274,000 | 5,895 |
| Net interest income | $3,397,000 | 4,954 |
| Provision for loan and lease losses | $258,000 | 2,889 |
| Total noninterest income | $541,000 | 4,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $341,000 | 3,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,000 | 5,158 |
| Total noninterest expense | $2,882,000 | 4,430 |
| Salaries and employee benefits | $1,324,000 | 4,786 |
| Premises and equipment expense | $473,000 | 3,949 |
| Additional noninterest expense | $1,085,000 | 4,112 |
| Pre-tax net operating income | $798,000 | 6,513 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $297,000 | 5,863 |
| Income before extraordinary items | $500,000 | 6,908 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $500,000 | 6,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,139 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $500,640 | 6,841 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,475,000 | 7,593 |
| Total interest expense | $1,281,000 | 8,343 |
| Net interest income | $2,194,000 | 6,876 |
| Provision for loan and lease losses | $264,000 | 2,470 |
| Total noninterest income | $512,000 | 5,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $266,000 | 4,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $246,000 | 4,530 |
| Total noninterest expense | $2,275,000 | 5,409 |
| Salaries and employee benefits | $1,109,000 | 5,566 |
| Premises and equipment expense | $369,000 | 4,840 |
| Additional noninterest expense | $797,000 | 5,268 |
| Pre-tax net operating income | $167,000 | 10,673 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $55,000 | 10,091 |
| Income before extraordinary items | $112,000 | 10,821 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $112,000 | 10,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $112,000 | 10,795 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,103,000 | 9,599 |
| Total interest expense | $580,000 | 10,695 |
| Net interest income | $1,523,000 | 8,818 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $317,000 | 7,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $182,000 | 6,224 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,544 |
| Total noninterest expense | $1,268,000 | 8,368 |
| Salaries and employee benefits | $617,000 | 8,506 |
| Premises and equipment expense | $125,000 | 9,244 |
| Additional noninterest expense | $526,000 | 7,630 |
| Pre-tax net operating income | $548,000 | 8,326 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $201,000 | 7,329 |
| Income before extraordinary items | $347,000 | 8,652 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $347,000 | 8,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 658 |
| Net operating income | $347,000 | 8,713 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,542,000 | 11,143 |
| Total interest expense | $428,000 | 12,086 |
| Net interest income | $1,114,000 | 10,352 |
| Provision for loan and lease losses | $85,000 | 6,189 |
| Total noninterest income | $277,000 | 7,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 6,604 |
| Total noninterest expense | $918,000 | 10,117 |
| Salaries and employee benefits | $467,000 | 9,973 |
| Premises and equipment expense | $95,000 | 10,609 |
| Additional noninterest expense | $356,000 | 9,775 |
| Pre-tax net operating income | $388,000 | 9,502 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $139,000 | 8,881 |
| Income before extraordinary items | $249,000 | 10,054 |
| Extraordinary gains, net | $45,000 | 2,248 |
| Net income | $294,000 | 9,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 11,928 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 701 |
| Net operating income | $249,000 | 9,805 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,084,000 | 12,869 |
| Total interest expense | $374,000 | 13,285 |
| Net interest income | $711,000 | 12,273 |
| Provision for loan and lease losses | $129,000 | 6,532 |
| Total noninterest income | $466,000 | 5,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 8,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $373,000 | 3,867 |
| Total noninterest expense | $624,000 | 11,920 |
| Salaries and employee benefits | $295,000 | 12,071 |
| Premises and equipment expense | $61,000 | 12,225 |
| Additional noninterest expense | $268,000 | 11,302 |
| Pre-tax net operating income | $424,000 | 9,028 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $424,000 | 7,974 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $424,000 | 8,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,064 |
| Net operating income | $424,000 | 7,620 |
* 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.