Home > Heritage Community Bank > Income and Expense
Heritage Community Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,814,000 | 4,230 |
| Total interest expense | $2,194,000 | 4,163 |
| Net interest income | $4,620,000 | 4,183 |
| Provision for loan and lease losses | $184,000 | 3,722 |
| Total noninterest income | $883,000 | 3,843 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $823,000 | 2,063 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $60,000 | 7,171 |
| Total noninterest expense | $2,957,000 | 4,810 |
| Salaries and employee benefits | $1,402,000 | 5,281 |
| Premises and equipment expense | $263,000 | 6,074 |
| Additional noninterest expense | $1,292,000 | 3,641 |
| Pre-tax net operating income | $2,362,000 | 3,271 |
| Securities gains (losses) | $-20,000 | 7,814 |
| Applicable income taxes | $806,000 | 2,595 |
| Income before extraordinary items | $1,536,000 | 3,726 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,536,000 | 3,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,212 |
| Cash dividends | $901,000 | 2,648 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,549,200 | 3,681 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,819,000 | 4,369 |
| Total interest expense | $1,529,000 | 4,229 |
| Net interest income | $3,290,000 | 4,348 |
| Provision for loan and lease losses | $187,000 | 3,066 |
| Total noninterest income | $662,000 | 3,846 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $614,000 | 2,065 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $48,000 | 7,114 |
| Total noninterest expense | $2,253,000 | 4,731 |
| Salaries and employee benefits | $1,069,000 | 5,197 |
| Premises and equipment expense | $187,000 | 6,196 |
| Additional noninterest expense | $997,000 | 3,506 |
| Pre-tax net operating income | $1,512,000 | 3,721 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $500,000 | 2,941 |
| Income before extraordinary items | $1,012,000 | 4,125 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,012,000 | 4,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,970 |
| Cash dividends | $901,000 | 1,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,012,000 | 4,085 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,049,000 | 4,470 |
| Total interest expense | $921,000 | 4,382 |
| Net interest income | $2,128,000 | 4,420 |
| Provision for loan and lease losses | $95,000 | 3,438 |
| Total noninterest income | $441,000 | 3,804 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $402,000 | 2,063 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $39,000 | 6,823 |
| Total noninterest expense | $1,442,000 | 4,858 |
| Salaries and employee benefits | $679,000 | 5,339 |
| Premises and equipment expense | $114,000 | 6,411 |
| Additional noninterest expense | $649,000 | 3,567 |
| Pre-tax net operating income | $1,032,000 | 3,633 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $342,000 | 2,862 |
| Income before extraordinary items | $690,000 | 4,033 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $690,000 | 4,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,534 |
| Cash dividends | $901,000 | 1,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $690,000 | 3,973 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,392,000 | 4,713 |
| Total interest expense | $422,000 | 4,510 |
| Net interest income | $970,000 | 4,712 |
| Provision for loan and lease losses | $71,000 | 2,655 |
| Total noninterest income | $214,000 | 3,805 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $190,000 | 2,108 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $661,000 | 5,198 |
| Salaries and employee benefits | $287,000 | 5,921 |
| Premises and equipment expense | $53,000 | 6,627 |
| Additional noninterest expense | $321,000 | 3,599 |
| Pre-tax net operating income | $452,000 | 3,943 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $149,000 | 3,105 |
| Income before extraordinary items | $303,000 | 4,352 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $303,000 | 4,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $901,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $303,000 | 4,308 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,517,000 | 4,529 |
| Total interest expense | $1,491,000 | 4,525 |
| Net interest income | $4,026,000 | 4,463 |
| Provision for loan and lease losses | $91,000 | 5,155 |
| Total noninterest income | $961,000 | 3,652 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $891,000 | 1,949 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $70,000 | 6,987 |
| Total noninterest expense | $2,525,000 | 5,265 |
| Salaries and employee benefits | $1,070,000 | 6,065 |
| Premises and equipment expense | $233,000 | 6,375 |
| Additional noninterest expense | $1,222,000 | 3,686 |
| Pre-tax net operating income | $2,371,000 | 3,133 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $813,000 | 2,505 |
| Income before extraordinary items | $1,558,000 | 3,543 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,558,000 | 3,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,475 |
| Cash dividends | $655,000 | 3,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,558,000 | 3,475 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,082,000 | 4,549 |
| Total interest expense | $1,084,000 | 4,579 |
| Net interest income | $2,998,000 | 4,474 |
| Provision for loan and lease losses | $123,000 | 3,948 |
| Total noninterest income | $729,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $673,000 | 1,950 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $56,000 | 6,899 |
| Total noninterest expense | $1,899,000 | 5,221 |
| Salaries and employee benefits | $811,000 | 5,980 |
| Premises and equipment expense | $168,000 | 6,459 |
| Additional noninterest expense | $920,000 | 3,648 |
| Pre-tax net operating income | $1,705,000 | 3,284 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $565,000 | 2,688 |
| Income before extraordinary items | $1,140,000 | 3,677 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,140,000 | 3,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,946 |
| Cash dividends | $655,000 | 2,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,140,000 | 3,607 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,705,000 | 4,574 |
| Total interest expense | $684,000 | 4,738 |
| Net interest income | $2,021,000 | 4,438 |
| Provision for loan and lease losses | $156,000 | 2,636 |
| Total noninterest income | $480,000 | 3,669 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $434,000 | 1,982 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 6,590 |
| Total noninterest expense | $1,269,000 | 5,236 |
| Salaries and employee benefits | $550,000 | 5,965 |
| Premises and equipment expense | $106,000 | 6,654 |
| Additional noninterest expense | $613,000 | 3,687 |
| Pre-tax net operating income | $1,076,000 | 3,363 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $356,000 | 2,772 |
| Income before extraordinary items | $720,000 | 3,793 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $720,000 | 3,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $655,000 | 1,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $720,000 | 3,703 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,357,000 | 4,584 |
| Total interest expense | $343,000 | 4,766 |
| Net interest income | $1,014,000 | 4,431 |
| Provision for loan and lease losses | $49,000 | 3,372 |
| Total noninterest income | $245,000 | 3,571 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $215,000 | 1,949 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $30,000 | 6,109 |
| Total noninterest expense | $642,000 | 5,211 |
| Salaries and employee benefits | $288,000 | 5,851 |
| Premises and equipment expense | $47,000 | 6,927 |
| Additional noninterest expense | $307,000 | 3,682 |
| Pre-tax net operating income | $568,000 | 3,214 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $188,000 | 2,683 |
| Income before extraordinary items | $380,000 | 3,651 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $380,000 | 3,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $655,000 | 953 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $380,000 | 3,525 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,322,000 | 4,687 |
| Total interest expense | $1,519,000 | 4,830 |
| Net interest income | $3,803,000 | 4,529 |
| Provision for loan and lease losses | $204,000 | 3,990 |
| Total noninterest income | $1,012,000 | 3,706 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $944,000 | 1,838 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $68,000 | 7,154 |
| Total noninterest expense | $2,328,000 | 5,476 |
| Salaries and employee benefits | $952,000 | 6,434 |
| Premises and equipment expense | $233,000 | 6,395 |
| Additional noninterest expense | $1,143,000 | 3,874 |
| Pre-tax net operating income | $2,283,000 | 3,089 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $759,000 | 2,633 |
| Income before extraordinary items | $1,525,000 | 3,518 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,525,000 | 3,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,839 |
| Cash dividends | $1,921,000 | 1,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,524,330 | 3,357 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,001,000 | 4,732 |
| Total interest expense | $1,182,000 | 4,858 |
| Net interest income | $2,819,000 | 4,581 |
| Provision for loan and lease losses | $217,000 | 3,209 |
| Total noninterest income | $749,000 | 3,789 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $628,000 | 2,057 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $121,000 | 5,725 |
| Total noninterest expense | $1,760,000 | 5,419 |
| Salaries and employee benefits | $706,000 | 6,439 |
| Premises and equipment expense | $180,000 | 6,295 |
| Additional noninterest expense | $874,000 | 3,792 |
| Pre-tax net operating income | $1,591,000 | 3,400 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $525,000 | 2,943 |
| Income before extraordinary items | $1,067,000 | 3,830 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,067,000 | 3,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,233 |
| Cash dividends | $1,921,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,066,330 | 3,667 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,684,000 | 4,739 |
| Total interest expense | $812,000 | 4,879 |
| Net interest income | $1,872,000 | 4,592 |
| Provision for loan and lease losses | $153,000 | 2,974 |
| Total noninterest income | $502,000 | 3,735 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $417,000 | 2,016 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $85,000 | 5,621 |
| Total noninterest expense | $1,173,000 | 5,407 |
| Salaries and employee benefits | $476,000 | 6,436 |
| Premises and equipment expense | $118,000 | 6,318 |
| Additional noninterest expense | $579,000 | 3,812 |
| Pre-tax net operating income | $1,048,000 | 3,405 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $346,000 | 2,979 |
| Income before extraordinary items | $704,000 | 3,847 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $704,000 | 3,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,430 |
| Cash dividends | $1,921,000 | 788 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $702,660 | 3,660 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,367,000 | 4,702 |
| Total interest expense | $414,000 | 4,932 |
| Net interest income | $953,000 | 4,539 |
| Provision for loan and lease losses | $-1,000 | 9,135 |
| Total noninterest income | $243,000 | 3,698 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $197,000 | 2,048 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $46,000 | 5,422 |
| Total noninterest expense | $586,000 | 5,421 |
| Salaries and employee benefits | $250,000 | 6,257 |
| Premises and equipment expense | $58,000 | 6,382 |
| Additional noninterest expense | $278,000 | 3,881 |
| Pre-tax net operating income | $611,000 | 3,036 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $203,000 | 2,671 |
| Income before extraordinary items | $410,000 | 3,398 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $410,000 | 3,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $1,921,000 | 408 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $408,660 | 3,244 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,826,000 | 4,655 |
| Total interest expense | $1,881,000 | 5,014 |
| Net interest income | $3,945,000 | 4,391 |
| Provision for loan and lease losses | $225,000 | 4,105 |
| Total noninterest income | $999,000 | 3,489 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $827,000 | 1,945 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $172,000 | 5,314 |
| Total noninterest expense | $2,520,000 | 5,056 |
| Salaries and employee benefits | $1,134,000 | 5,692 |
| Premises and equipment expense | $274,000 | 5,845 |
| Additional noninterest expense | $1,112,000 | 3,841 |
| Pre-tax net operating income | $2,199,000 | 3,208 |
| Securities gains (losses) | $106,000 | 1,692 |
| Applicable income taxes | $764,000 | 2,677 |
| Income before extraordinary items | $1,541,000 | 3,426 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,541,000 | 3,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,297 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,469,980 | 3,453 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,522,000 | 5,277 |
| Total interest expense | $2,250,000 | 5,749 |
| Net interest income | $3,272,000 | 4,772 |
| Provision for loan and lease losses | $216,000 | 3,954 |
| Total noninterest income | $785,000 | 3,902 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $602,000 | 2,426 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $183,000 | 5,128 |
| Total noninterest expense | $2,188,000 | 5,404 |
| Salaries and employee benefits | $1,035,000 | 5,865 |
| Premises and equipment expense | $258,000 | 5,988 |
| Additional noninterest expense | $895,000 | 4,428 |
| Pre-tax net operating income | $1,653,000 | 3,629 |
| Securities gains (losses) | $66,000 | 2,098 |
| Applicable income taxes | $555,000 | 3,123 |
| Income before extraordinary items | $1,164,000 | 3,890 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,164,000 | 3,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,802 |
| Cash dividends | $453,000 | 3,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,119,120 | 3,864 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,773,000 | 5,906 |
| Total interest expense | $2,137,000 | 6,077 |
| Net interest income | $2,636,000 | 5,615 |
| Provision for loan and lease losses | $63,000 | 6,132 |
| Total noninterest income | $627,000 | 4,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $524,000 | 2,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 6,363 |
| Total noninterest expense | $2,012,000 | 5,666 |
| Salaries and employee benefits | $922,000 | 6,235 |
| Premises and equipment expense | $203,000 | 6,721 |
| Additional noninterest expense | $887,000 | 4,391 |
| Pre-tax net operating income | $1,188,000 | 4,743 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $376,000 | 4,122 |
| Income before extraordinary items | $815,000 | 4,991 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $815,000 | 4,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $175,000 | 5,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $812,960 | 4,992 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,044,000 | 6,333 |
| Total interest expense | $1,571,000 | 6,791 |
| Net interest income | $2,473,000 | 5,836 |
| Provision for loan and lease losses | $103,000 | 5,155 |
| Total noninterest income | $608,000 | 4,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $503,000 | 2,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,517 |
| Total noninterest expense | $1,695,000 | 6,309 |
| Salaries and employee benefits | $729,000 | 7,087 |
| Premises and equipment expense | $175,000 | 7,220 |
| Additional noninterest expense | $791,000 | 4,825 |
| Pre-tax net operating income | $1,283,000 | 4,563 |
| Securities gains (losses) | $-11,000 | 9,339 |
| Applicable income taxes | $404,000 | 4,134 |
| Income before extraordinary items | $868,000 | 4,840 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $868,000 | 4,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,661 |
| Cash dividends | $610,000 | 3,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $875,480 | 4,781 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,764,000 | 6,695 |
| Total interest expense | $1,484,000 | 7,225 |
| Net interest income | $2,280,000 | 6,162 |
| Provision for loan and lease losses | $80,000 | 5,577 |
| Total noninterest income | $708,000 | 3,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $519,000 | 2,472 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,104 |
| Total noninterest expense | $1,630,000 | 6,368 |
| Salaries and employee benefits | $695,000 | 7,212 |
| Premises and equipment expense | $209,000 | 6,575 |
| Additional noninterest expense | $726,000 | 5,015 |
| Pre-tax net operating income | $1,278,000 | 4,681 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $379,000 | 4,559 |
| Income before extraordinary items | $899,000 | 4,830 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $899,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $600,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $899,000 | 4,731 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,555,000 | 7,104 |
| Total interest expense | $1,328,000 | 7,781 |
| Net interest income | $2,227,000 | 6,480 |
| Provision for loan and lease losses | $72,000 | 5,860 |
| Total noninterest income | $545,000 | 4,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $436,000 | 2,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,540 |
| Total noninterest expense | $1,707,000 | 6,272 |
| Salaries and employee benefits | $701,000 | 7,308 |
| Premises and equipment expense | $202,000 | 6,803 |
| Additional noninterest expense | $804,000 | 4,708 |
| Pre-tax net operating income | $993,000 | 5,849 |
| Securities gains (losses) | $-13,000 | 10,166 |
| Applicable income taxes | $299,000 | 5,733 |
| Income before extraordinary items | $681,000 | 5,981 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $681,000 | 5,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,456 |
| Cash dividends | $675,000 | 2,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $689,970 | 5,906 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,252,000 | 7,663 |
| Total interest expense | $1,228,000 | 8,302 |
| Net interest income | $2,024,000 | 7,096 |
| Provision for loan and lease losses | $66,000 | 5,953 |
| Total noninterest income | $546,000 | 4,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 3,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,807 |
| Total noninterest expense | $1,552,000 | 6,968 |
| Salaries and employee benefits | $678,000 | 7,659 |
| Premises and equipment expense | $211,000 | 6,844 |
| Additional noninterest expense | $663,000 | 5,957 |
| Pre-tax net operating income | $952,000 | 5,911 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $284,000 | 6,018 |
| Income before extraordinary items | $676,000 | 5,864 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $676,000 | 5,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,548 |
| Cash dividends | $363,000 | 4,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $670,400 | 5,837 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,056,000 | 8,130 |
| Total interest expense | $1,187,000 | 8,627 |
| Net interest income | $1,869,000 | 7,603 |
| Provision for loan and lease losses | $62,000 | 5,662 |
| Total noninterest income | $477,000 | 5,351 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $405,000 | 3,325 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,274 |
| Total noninterest expense | $1,503,000 | 7,264 |
| Salaries and employee benefits | $663,000 | 7,973 |
| Premises and equipment expense | $216,000 | 6,910 |
| Additional noninterest expense | $624,000 | 6,373 |
| Pre-tax net operating income | $781,000 | 6,908 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $217,000 | 7,139 |
| Income before extraordinary items | $569,000 | 6,792 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $569,000 | 6,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $221,000 | 5,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $565,400 | 6,797 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,533,000 | 8,851 |
| Total interest expense | $891,000 | 9,173 |
| Net interest income | $1,642,000 | 8,476 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $463,000 | 5,568 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $394,000 | 3,421 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,689 |
| Total noninterest expense | $1,463,000 | 7,719 |
| Salaries and employee benefits | $644,000 | 8,314 |
| Premises and equipment expense | $195,000 | 7,536 |
| Additional noninterest expense | $624,000 | 6,861 |
| Pre-tax net operating income | $582,000 | 8,109 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $142,000 | 8,466 |
| Income before extraordinary items | $440,000 | 7,808 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $440,000 | 7,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $175,000 | 5,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $440,000 | 7,859 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,268,000 | 9,637 |
| Total interest expense | $835,000 | 9,859 |
| Net interest income | $1,433,000 | 9,326 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $452,000 | 5,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,604 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 9,036 |
| Total noninterest expense | $1,369,000 | 8,277 |
| Salaries and employee benefits | $592,000 | 8,868 |
| Premises and equipment expense | $138,000 | 9,226 |
| Additional noninterest expense | $639,000 | 7,022 |
| Pre-tax net operating income | $456,000 | 8,973 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $100,000 | 9,745 |
| Income before extraordinary items | $356,000 | 8,868 |
| Extraordinary gains, net | $2,000 | 3,122 |
| Net income | $358,000 | 9,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 7,730 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $356,000 | 8,614 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,450,000 | 10,004 |
| Total interest expense | $997,000 | 10,400 |
| Net interest income | $1,453,000 | 9,442 |
| Provision for loan and lease losses | $66,000 | 8,365 |
| Total noninterest income | $434,000 | 6,220 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $357,000 | 3,838 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,979 |
| Total noninterest expense | $1,299,000 | 8,666 |
| Salaries and employee benefits | $567,000 | 9,108 |
| Premises and equipment expense | $137,000 | 9,478 |
| Additional noninterest expense | $595,000 | 7,557 |
| Pre-tax net operating income | $522,000 | 8,247 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $114,000 | 9,543 |
| Income before extraordinary items | $409,000 | 8,124 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $409,000 | 8,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $478,000 | 2,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $408,220 | 7,779 |
* 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.