Home > Heritage Co-operative Bank > Income and Expense
Heritage Co-operative Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,216,000 | 2,326 |
| Total interest expense | $5,393,000 | 2,060 |
| Net interest income | $8,823,000 | 2,471 |
| Provision for loan and lease losses | $65,000 | 5,371 |
| Total noninterest income | $998,000 | 3,573 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $407,000 | 3,513 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $591,000 | 3,082 |
| Total noninterest expense | $9,400,000 | 1,808 |
| Salaries and employee benefits | $5,990,000 | 1,563 |
| Premises and equipment expense | $701,000 | 3,228 |
| Additional noninterest expense | $2,709,000 | 1,868 |
| Pre-tax net operating income | $356,000 | 7,209 |
| Securities gains (losses) | $-1,187,000 | 8,760 |
| Applicable income taxes | $-414,000 | 8,749 |
| Income before extraordinary items | $-417,000 | 8,521 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-417,000 | 8,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,474 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $342,680 | 6,987 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,498,000 | 2,315 |
| Total interest expense | $3,808,000 | 2,069 |
| Net interest income | $6,690,000 | 2,440 |
| Provision for loan and lease losses | $65,000 | 4,879 |
| Total noninterest income | $685,000 | 3,783 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $298,000 | 3,564 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $387,000 | 3,335 |
| Total noninterest expense | $4,863,000 | 2,536 |
| Salaries and employee benefits | $3,037,000 | 2,245 |
| Premises and equipment expense | $541,000 | 3,139 |
| Additional noninterest expense | $1,285,000 | 2,859 |
| Pre-tax net operating income | $2,447,000 | 2,612 |
| Securities gains (losses) | $62,000 | 812 |
| Applicable income taxes | $841,000 | 2,125 |
| Income before extraordinary items | $1,668,000 | 2,877 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,668,000 | 2,878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,033 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,627,080 | 2,890 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,924,000 | 2,277 |
| Total interest expense | $2,443,000 | 2,035 |
| Net interest income | $4,481,000 | 2,408 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $467,000 | 3,691 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $195,000 | 3,554 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $272,000 | 3,244 |
| Total noninterest expense | $3,140,000 | 2,590 |
| Salaries and employee benefits | $1,921,000 | 2,338 |
| Premises and equipment expense | $398,000 | 2,861 |
| Additional noninterest expense | $821,000 | 2,953 |
| Pre-tax net operating income | $1,743,000 | 2,426 |
| Securities gains (losses) | $20,000 | 1,110 |
| Applicable income taxes | $607,000 | 1,989 |
| Income before extraordinary items | $1,156,000 | 2,738 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,156,000 | 2,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,142,800 | 2,729 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,368,000 | 2,288 |
| Total interest expense | $1,156,000 | 2,042 |
| Net interest income | $2,212,000 | 2,419 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $213,000 | 3,819 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $94,000 | 3,574 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $119,000 | 3,420 |
| Total noninterest expense | $1,622,000 | 2,526 |
| Salaries and employee benefits | $1,001,000 | 2,276 |
| Premises and equipment expense | $218,000 | 2,657 |
| Additional noninterest expense | $403,000 | 2,995 |
| Pre-tax net operating income | $793,000 | 2,594 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $272,000 | 2,130 |
| Income before extraordinary items | $523,000 | 2,943 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $523,000 | 2,944 |
| 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 | $521,680 | 2,907 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,409,000 | 2,325 |
| Total interest expense | $4,354,000 | 1,870 |
| Net interest income | $8,055,000 | 2,532 |
| Provision for loan and lease losses | $50,000 | 5,899 |
| Total noninterest income | $1,095,000 | 3,334 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $396,000 | 3,665 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $699,000 | 2,708 |
| Total noninterest expense | $5,884,000 | 2,698 |
| Salaries and employee benefits | $3,539,000 | 2,463 |
| Premises and equipment expense | $677,000 | 3,215 |
| Additional noninterest expense | $1,668,000 | 2,853 |
| Pre-tax net operating income | $3,216,000 | 2,439 |
| Securities gains (losses) | $29,000 | 2,137 |
| Applicable income taxes | $1,204,000 | 1,894 |
| Income before extraordinary items | $2,041,000 | 2,857 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,041,000 | 2,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,022,440 | 2,825 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,172,000 | 2,319 |
| Total interest expense | $3,257,000 | 1,833 |
| Net interest income | $5,915,000 | 2,547 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $910,000 | 3,129 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $302,000 | 3,659 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $608,000 | 2,477 |
| Total noninterest expense | $4,313,000 | 2,721 |
| Salaries and employee benefits | $2,642,000 | 2,447 |
| Premises and equipment expense | $469,000 | 3,430 |
| Additional noninterest expense | $1,202,000 | 2,932 |
| Pre-tax net operating income | $2,462,000 | 2,422 |
| Securities gains (losses) | $66,000 | 1,451 |
| Applicable income taxes | $959,000 | 1,845 |
| Income before extraordinary items | $1,569,000 | 2,845 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,569,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,953 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,526,760 | 2,840 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,052,000 | 2,327 |
| Total interest expense | $2,167,000 | 1,830 |
| Net interest income | $3,885,000 | 2,557 |
| Provision for loan and lease losses | $50,000 | 4,677 |
| Total noninterest income | $663,000 | 2,952 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $204,000 | 3,594 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $459,000 | 2,326 |
| Total noninterest expense | $2,805,000 | 2,788 |
| Salaries and employee benefits | $1,720,000 | 2,497 |
| Premises and equipment expense | $328,000 | 3,302 |
| Additional noninterest expense | $757,000 | 3,096 |
| Pre-tax net operating income | $1,693,000 | 2,342 |
| Securities gains (losses) | $66,000 | 1,282 |
| Applicable income taxes | $688,000 | 1,732 |
| Income before extraordinary items | $1,071,000 | 2,772 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,071,000 | 2,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,107 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,028,760 | 2,788 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,006,000 | 2,347 |
| Total interest expense | $1,089,000 | 1,836 |
| Net interest income | $1,917,000 | 2,585 |
| Provision for loan and lease losses | $40,000 | 3,725 |
| Total noninterest income | $440,000 | 2,381 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $101,000 | 3,555 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $339,000 | 1,726 |
| Total noninterest expense | $1,489,000 | 2,640 |
| Salaries and employee benefits | $926,000 | 2,342 |
| Premises and equipment expense | $185,000 | 3,008 |
| Additional noninterest expense | $378,000 | 3,057 |
| Pre-tax net operating income | $828,000 | 2,356 |
| Securities gains (losses) | $64,000 | 1,060 |
| Applicable income taxes | $370,000 | 1,670 |
| Income before extraordinary items | $522,000 | 2,839 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $522,000 | 2,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,331 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $481,040 | 2,928 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,063,000 | 2,374 |
| Total interest expense | $4,707,000 | 1,908 |
| Net interest income | $7,356,000 | 2,627 |
| Provision for loan and lease losses | $130,000 | 4,806 |
| Total noninterest income | $2,175,000 | 2,178 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $266,000 | 4,597 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,909,000 | 1,518 |
| Total noninterest expense | $5,404,000 | 2,859 |
| Salaries and employee benefits | $3,227,000 | 2,603 |
| Premises and equipment expense | $639,000 | 3,349 |
| Additional noninterest expense | $1,538,000 | 3,009 |
| Pre-tax net operating income | $3,997,000 | 1,976 |
| Securities gains (losses) | $-246,000 | 9,092 |
| Applicable income taxes | $1,561,000 | 1,570 |
| Income before extraordinary items | $2,190,000 | 2,673 |
| Extraordinary gains, net | $600,000 | 12 |
| Net income | $2,790,000 | 2,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,913 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,347,440 | 2,399 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,025,000 | 2,412 |
| Total interest expense | $3,571,000 | 1,952 |
| Net interest income | $5,454,000 | 2,672 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $1,102,000 | 2,944 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $158,000 | 5,187 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $944,000 | 2,134 |
| Total noninterest expense | $4,133,000 | 2,810 |
| Salaries and employee benefits | $2,469,000 | 2,556 |
| Premises and equipment expense | $484,000 | 3,306 |
| Additional noninterest expense | $1,180,000 | 2,920 |
| Pre-tax net operating income | $2,393,000 | 2,473 |
| Securities gains (losses) | $-236,000 | 9,162 |
| Applicable income taxes | $263,000 | 4,177 |
| Income before extraordinary items | $1,894,000 | 2,442 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,894,000 | 2,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,957 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,101,680 | 2,113 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,129,000 | 2,391 |
| Total interest expense | $2,395,000 | 2,000 |
| Net interest income | $3,734,000 | 2,598 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $773,000 | 2,825 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $84,000 | 5,654 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $689,000 | 1,994 |
| Total noninterest expense | $2,683,000 | 2,880 |
| Salaries and employee benefits | $1,587,000 | 2,649 |
| Premises and equipment expense | $317,000 | 3,331 |
| Additional noninterest expense | $779,000 | 2,929 |
| Pre-tax net operating income | $1,794,000 | 2,243 |
| Securities gains (losses) | $-244,000 | 9,228 |
| Applicable income taxes | $598,000 | 2,050 |
| Income before extraordinary items | $952,000 | 3,075 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $952,000 | 3,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,405 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,108,160 | 2,593 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,986,000 | 2,468 |
| Total interest expense | $1,225,000 | 2,011 |
| Net interest income | $1,761,000 | 2,751 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $356,000 | 2,886 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $35,000 | 5,954 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $321,000 | 2,012 |
| Total noninterest expense | $1,239,000 | 3,057 |
| Salaries and employee benefits | $721,000 | 2,881 |
| Premises and equipment expense | $161,000 | 3,292 |
| Additional noninterest expense | $357,000 | 3,144 |
| Pre-tax net operating income | $848,000 | 2,353 |
| Securities gains (losses) | $-81,000 | 9,253 |
| Applicable income taxes | $330,000 | 1,918 |
| Income before extraordinary items | $437,000 | 3,252 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $437,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,774 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $488,840 | 2,858 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,118,000 | 2,543 |
| Total interest expense | $5,579,000 | 2,022 |
| Net interest income | $6,539,000 | 2,912 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $1,468,000 | 2,658 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $178,000 | 5,493 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,290,000 | 1,848 |
| Total noninterest expense | $4,693,000 | 3,092 |
| Salaries and employee benefits | $2,777,000 | 2,829 |
| Premises and equipment expense | $516,000 | 3,849 |
| Additional noninterest expense | $1,400,000 | 3,129 |
| Pre-tax net operating income | $3,134,000 | 2,406 |
| Securities gains (losses) | $-547,000 | 9,270 |
| Applicable income taxes | $1,004,000 | 2,201 |
| Income before extraordinary items | $1,583,000 | 3,363 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,583,000 | 3,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,291 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,933,080 | 2,789 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,860,000 | 2,651 |
| Total interest expense | $7,090,000 | 2,262 |
| Net interest income | $5,770,000 | 3,046 |
| Provision for loan and lease losses | $182,000 | 4,327 |
| Total noninterest income | $757,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $175,000 | 5,452 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $582,000 | 2,882 |
| Total noninterest expense | $4,113,000 | 3,347 |
| Salaries and employee benefits | $2,402,000 | 3,055 |
| Premises and equipment expense | $562,000 | 3,551 |
| Additional noninterest expense | $1,157,000 | 3,615 |
| Pre-tax net operating income | $2,232,000 | 2,922 |
| Securities gains (losses) | $-79,000 | 9,480 |
| Applicable income taxes | $874,000 | 2,288 |
| Income before extraordinary items | $1,279,000 | 3,628 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,279,000 | 3,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,392 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,329,560 | 3,438 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,382,000 | 3,029 |
| Total interest expense | $6,417,000 | 2,598 |
| Net interest income | $4,965,000 | 3,495 |
| Provision for loan and lease losses | $202,000 | 3,722 |
| Total noninterest income | $731,000 | 3,884 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $130,000 | 6,054 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $601,000 | 2,628 |
| Total noninterest expense | $3,450,000 | 3,751 |
| Salaries and employee benefits | $2,093,000 | 3,338 |
| Premises and equipment expense | $419,000 | 4,357 |
| Additional noninterest expense | $938,000 | 4,201 |
| Pre-tax net operating income | $2,044,000 | 3,269 |
| Securities gains (losses) | $568,000 | 242 |
| Applicable income taxes | $1,065,000 | 2,011 |
| Income before extraordinary items | $1,547,000 | 3,175 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,547,000 | 3,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,183,480 | 3,880 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,463,000 | 3,088 |
| Total interest expense | $5,795,000 | 2,536 |
| Net interest income | $4,668,000 | 3,670 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $541,000 | 4,728 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $120,000 | 6,350 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $421,000 | 3,296 |
| Total noninterest expense | $3,345,000 | 3,853 |
| Salaries and employee benefits | $1,969,000 | 3,492 |
| Premises and equipment expense | $456,000 | 4,078 |
| Additional noninterest expense | $920,000 | 4,304 |
| Pre-tax net operating income | $1,804,000 | 3,608 |
| Securities gains (losses) | $619,000 | 301 |
| Applicable income taxes | $900,000 | 2,392 |
| Income before extraordinary items | $1,523,000 | 3,202 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,523,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 9,481 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,126,840 | 4,027 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,645,000 | 3,036 |
| Total interest expense | $5,658,000 | 2,679 |
| Net interest income | $4,987,000 | 3,403 |
| Provision for loan and lease losses | $320,000 | 2,466 |
| Total noninterest income | $463,000 | 5,156 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $128,000 | 6,306 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $335,000 | 3,782 |
| Total noninterest expense | $3,355,000 | 3,741 |
| Salaries and employee benefits | $1,828,000 | 3,620 |
| Premises and equipment expense | $474,000 | 3,848 |
| Additional noninterest expense | $1,053,000 | 3,777 |
| Pre-tax net operating income | $1,775,000 | 3,671 |
| Securities gains (losses) | $316,000 | 721 |
| Applicable income taxes | $836,000 | 2,637 |
| Income before extraordinary items | $1,255,000 | 3,782 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,255,000 | 3,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,509 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,052,760 | 4,230 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,136,000 | 3,193 |
| Total interest expense | $5,350,000 | 2,800 |
| Net interest income | $4,786,000 | 3,632 |
| Provision for loan and lease losses | $333,000 | 2,408 |
| Total noninterest income | $516,000 | 4,908 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $128,000 | 6,606 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $388,000 | 3,349 |
| Total noninterest expense | $3,147,000 | 3,943 |
| Salaries and employee benefits | $1,744,000 | 3,747 |
| Premises and equipment expense | $483,000 | 3,825 |
| Additional noninterest expense | $920,000 | 4,223 |
| Pre-tax net operating income | $1,822,000 | 3,822 |
| Securities gains (losses) | $204,000 | 697 |
| Applicable income taxes | $823,000 | 2,863 |
| Income before extraordinary items | $1,203,000 | 4,046 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,203,000 | 4,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $423,000 | 1,527 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,072,440 | 4,379 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,382,000 | 3,474 |
| Total interest expense | $4,817,000 | 3,102 |
| Net interest income | $4,565,000 | 3,852 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $387,000 | 6,053 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $119,000 | 7,081 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $268,000 | 4,349 |
| Total noninterest expense | $2,953,000 | 4,354 |
| Salaries and employee benefits | $1,684,000 | 3,882 |
| Premises and equipment expense | $441,000 | 4,189 |
| Additional noninterest expense | $828,000 | 5,076 |
| Pre-tax net operating income | $1,909,000 | 3,527 |
| Securities gains (losses) | $224,000 | 654 |
| Applicable income taxes | $907,000 | 2,561 |
| Income before extraordinary items | $1,226,000 | 3,804 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,226,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,581 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,082,640 | 4,142 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,630,000 | 3,755 |
| Total interest expense | $4,403,000 | 3,374 |
| Net interest income | $4,227,000 | 4,126 |
| Provision for loan and lease losses | $68,000 | 5,482 |
| Total noninterest income | $418,000 | 5,820 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $118,000 | 7,356 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $300,000 | 4,001 |
| Total noninterest expense | $2,487,000 | 5,019 |
| Salaries and employee benefits | $1,400,000 | 4,563 |
| Premises and equipment expense | $289,000 | 5,795 |
| Additional noninterest expense | $798,000 | 5,266 |
| Pre-tax net operating income | $2,090,000 | 3,349 |
| Securities gains (losses) | $63,000 | 1,165 |
| Applicable income taxes | $963,000 | 2,477 |
| Income before extraordinary items | $1,190,000 | 3,987 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,190,000 | 3,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,149,680 | 4,080 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,480,000 | 3,973 |
| Total interest expense | $3,378,000 | 3,554 |
| Net interest income | $4,102,000 | 4,279 |
| Provision for loan and lease losses | $19,000 | 7,864 |
| Total noninterest income | $385,000 | 6,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,458 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $259,000 | 4,483 |
| Total noninterest expense | $2,607,000 | 4,969 |
| Salaries and employee benefits | $1,345,000 | 4,736 |
| Premises and equipment expense | $237,000 | 6,745 |
| Additional noninterest expense | $1,025,000 | 4,624 |
| Pre-tax net operating income | $1,861,000 | 3,640 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $748,000 | 2,936 |
| Income before extraordinary items | $1,116,000 | 4,124 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,116,000 | 4,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,073 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,114,080 | 4,163 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,626,000 | 3,991 |
| Total interest expense | $3,367,000 | 3,720 |
| Net interest income | $4,259,000 | 4,158 |
| Provision for loan and lease losses | $651,000 | 1,742 |
| Total noninterest income | $351,000 | 7,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 7,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 5,192 |
| Total noninterest expense | $2,327,000 | 5,602 |
| Salaries and employee benefits | $1,303,000 | 4,867 |
| Premises and equipment expense | $245,000 | 6,787 |
| Additional noninterest expense | $779,000 | 6,047 |
| Pre-tax net operating income | $1,632,000 | 4,015 |
| Securities gains (losses) | $25,000 | 4,353 |
| Applicable income taxes | $724,000 | 3,020 |
| Income before extraordinary items | $933,000 | 4,950 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $933,000 | 5,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,901 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $917,000 | 4,797 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,243,000 | 4,186 |
| Total interest expense | $4,222,000 | 3,877 |
| Net interest income | $4,021,000 | 4,419 |
| Provision for loan and lease losses | $1,189,000 | 1,653 |
| Total noninterest income | $283,000 | 7,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 8,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 6,089 |
| Total noninterest expense | $2,286,000 | 5,717 |
| Salaries and employee benefits | $1,213,000 | 5,106 |
| Premises and equipment expense | $294,000 | 6,065 |
| Additional noninterest expense | $779,000 | 6,217 |
| Pre-tax net operating income | $829,000 | 6,432 |
| Securities gains (losses) | $26,000 | 5,197 |
| Applicable income taxes | $472,000 | 4,192 |
| Income before extraordinary items | $383,000 | 8,385 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $383,000 | 8,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,029,000 | 1,531 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $366,360 | 8,188 |
* 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.