Home > HeritageBank > Income and Expense
HeritageBank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,708,000 | 1,561 |
| Total interest expense | $11,118,000 | 1,518 |
| Net interest income | $14,590,000 | 1,572 |
| Provision for loan and lease losses | $175,000 | 3,820 |
| Total noninterest income | $4,842,000 | 1,117 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $758,000 | 2,216 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,084,000 | 802 |
| Total noninterest expense | $11,758,000 | 1,517 |
| Salaries and employee benefits | $7,375,000 | 1,326 |
| Premises and equipment expense | $1,475,000 | 1,718 |
| Additional noninterest expense | $2,908,000 | 1,812 |
| Pre-tax net operating income | $7,499,000 | 1,301 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,866,000 | 979 |
| Income before extraordinary items | $4,633,000 | 1,564 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,633,000 | 1,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,393 |
| Cash dividends | $1,250,000 | 2,194 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 1,019 |
| Net operating income | $4,633,000 | 1,548 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,941,000 | 1,574 |
| Total interest expense | $8,009,000 | 1,527 |
| Net interest income | $10,932,000 | 1,588 |
| Provision for loan and lease losses | $175,000 | 3,146 |
| Total noninterest income | $3,585,000 | 1,140 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $574,000 | 2,205 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,011,000 | 814 |
| Total noninterest expense | $8,687,000 | 1,548 |
| Salaries and employee benefits | $5,473,000 | 1,353 |
| Premises and equipment expense | $1,080,000 | 1,762 |
| Additional noninterest expense | $2,134,000 | 1,818 |
| Pre-tax net operating income | $5,655,000 | 1,351 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,161,000 | 1,035 |
| Income before extraordinary items | $3,494,000 | 1,583 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,494,000 | 1,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,812 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 860 |
| Net operating income | $3,494,000 | 1,568 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,220,000 | 1,589 |
| Total interest expense | $5,013,000 | 1,550 |
| Net interest income | $7,207,000 | 1,610 |
| Provision for loan and lease losses | $175,000 | 2,349 |
| Total noninterest income | $2,233,000 | 1,210 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $387,000 | 2,159 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,846,000 | 880 |
| Total noninterest expense | $5,645,000 | 1,593 |
| Salaries and employee benefits | $3,591,000 | 1,382 |
| Premises and equipment expense | $709,000 | 1,787 |
| Additional noninterest expense | $1,345,000 | 1,953 |
| Pre-tax net operating income | $3,620,000 | 1,400 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,376,000 | 1,079 |
| Income before extraordinary items | $2,244,000 | 1,626 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,244,000 | 1,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,393 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 715 |
| Net operating income | $2,244,000 | 1,614 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,814,000 | 1,631 |
| Total interest expense | $2,318,000 | 1,597 |
| Net interest income | $3,496,000 | 1,645 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $1,021,000 | 1,261 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $189,000 | 2,141 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $832,000 | 937 |
| Total noninterest expense | $2,812,000 | 1,597 |
| Salaries and employee benefits | $1,719,000 | 1,449 |
| Premises and equipment expense | $367,000 | 1,741 |
| Additional noninterest expense | $726,000 | 1,803 |
| Pre-tax net operating income | $1,630,000 | 1,517 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $618,000 | 1,165 |
| Income before extraordinary items | $1,012,000 | 1,769 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,012,000 | 1,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 564 |
| Net operating income | $1,012,000 | 1,753 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,174,000 | 1,600 |
| Total interest expense | $6,979,000 | 1,632 |
| Net interest income | $14,195,000 | 1,549 |
| Provision for loan and lease losses | $230,000 | 3,342 |
| Total noninterest income | $4,549,000 | 1,158 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $828,000 | 2,051 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,721,000 | 859 |
| Total noninterest expense | $11,309,000 | 1,519 |
| Salaries and employee benefits | $7,061,000 | 1,319 |
| Premises and equipment expense | $1,407,000 | 1,728 |
| Additional noninterest expense | $2,841,000 | 1,774 |
| Pre-tax net operating income | $7,205,000 | 1,333 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $2,733,000 | 1,042 |
| Income before extraordinary items | $4,473,000 | 1,568 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,473,000 | 1,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,386 |
| Cash dividends | $750,000 | 2,940 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 916 |
| Net operating income | $4,472,360 | 1,546 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,326,000 | 1,610 |
| Total interest expense | $4,904,000 | 1,647 |
| Net interest income | $10,422,000 | 1,559 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $3,349,000 | 1,189 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $618,000 | 2,049 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,731,000 | 877 |
| Total noninterest expense | $8,299,000 | 1,538 |
| Salaries and employee benefits | $5,155,000 | 1,336 |
| Premises and equipment expense | $1,042,000 | 1,738 |
| Additional noninterest expense | $2,102,000 | 1,776 |
| Pre-tax net operating income | $5,322,000 | 1,352 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $2,018,000 | 1,061 |
| Income before extraordinary items | $3,305,000 | 1,592 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,305,000 | 1,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 1,835 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,304,360 | 1,563 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,798,000 | 1,636 |
| Total interest expense | $2,996,000 | 1,685 |
| Net interest income | $6,802,000 | 1,577 |
| Provision for loan and lease losses | $50,000 | 4,523 |
| Total noninterest income | $1,926,000 | 1,309 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $392,000 | 2,098 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,534,000 | 994 |
| Total noninterest expense | $5,389,000 | 1,570 |
| Salaries and employee benefits | $3,289,000 | 1,401 |
| Premises and equipment expense | $684,000 | 1,751 |
| Additional noninterest expense | $1,416,000 | 1,746 |
| Pre-tax net operating income | $3,289,000 | 1,423 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,246,000 | 1,116 |
| Income before extraordinary items | $2,043,000 | 1,673 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,043,000 | 1,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 1,411 |
| Cash dividends | $750,000 | 1,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,043,000 | 1,644 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,677,000 | 1,675 |
| Total interest expense | $1,385,000 | 1,725 |
| Net interest income | $3,292,000 | 1,620 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $830,000 | 1,451 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $172,000 | 2,285 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $658,000 | 1,094 |
| Total noninterest expense | $2,597,000 | 1,632 |
| Salaries and employee benefits | $1,572,000 | 1,481 |
| Premises and equipment expense | $368,000 | 1,650 |
| Additional noninterest expense | $657,000 | 1,869 |
| Pre-tax net operating income | $1,525,000 | 1,493 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $576,000 | 1,184 |
| Income before extraordinary items | $949,000 | 1,779 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $949,000 | 1,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,262 |
| Cash dividends | $750,000 | 848 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $949,000 | 1,739 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,010,000 | 1,610 |
| Total interest expense | $5,039,000 | 1,626 |
| Net interest income | $12,971,000 | 1,569 |
| Provision for loan and lease losses | $70,000 | 5,501 |
| Total noninterest income | $4,185,000 | 1,227 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $771,000 | 2,211 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,414,000 | 896 |
| Total noninterest expense | $10,635,000 | 1,531 |
| Salaries and employee benefits | $6,522,000 | 1,354 |
| Premises and equipment expense | $1,367,000 | 1,706 |
| Additional noninterest expense | $2,746,000 | 1,777 |
| Pre-tax net operating income | $6,451,000 | 1,346 |
| Securities gains (losses) | $223,000 | 776 |
| Applicable income taxes | $2,387,000 | 1,094 |
| Income before extraordinary items | $4,287,000 | 1,502 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,287,000 | 1,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,407 |
| Cash dividends | $2,800,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 800 |
| Net operating income | $4,144,280 | 1,513 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,354,000 | 1,599 |
| Total interest expense | $3,716,000 | 1,625 |
| Net interest income | $9,638,000 | 1,567 |
| Provision for loan and lease losses | $70,000 | 4,912 |
| Total noninterest income | $3,097,000 | 1,271 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $564,000 | 2,267 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,533,000 | 908 |
| Total noninterest expense | $7,853,000 | 1,547 |
| Salaries and employee benefits | $4,803,000 | 1,373 |
| Premises and equipment expense | $1,018,000 | 1,707 |
| Additional noninterest expense | $2,032,000 | 1,769 |
| Pre-tax net operating income | $4,812,000 | 1,351 |
| Securities gains (losses) | $194,000 | 777 |
| Applicable income taxes | $1,888,000 | 1,063 |
| Income before extraordinary items | $3,118,000 | 1,556 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,118,000 | 1,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,936 |
| Cash dividends | $2,100,000 | 931 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,993,840 | 1,573 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,663,000 | 1,630 |
| Total interest expense | $2,411,000 | 1,653 |
| Net interest income | $6,252,000 | 1,596 |
| Provision for loan and lease losses | $70,000 | 4,107 |
| Total noninterest income | $1,937,000 | 1,317 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $375,000 | 2,263 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,562,000 | 959 |
| Total noninterest expense | $5,030,000 | 1,609 |
| Salaries and employee benefits | $3,050,000 | 1,446 |
| Premises and equipment expense | $655,000 | 1,759 |
| Additional noninterest expense | $1,325,000 | 1,804 |
| Pre-tax net operating income | $3,089,000 | 1,378 |
| Securities gains (losses) | $194,000 | 658 |
| Applicable income taxes | $1,237,000 | 1,084 |
| Income before extraordinary items | $2,046,000 | 1,570 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,046,000 | 1,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,262 |
| Cash dividends | $1,400,000 | 951 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,921,840 | 1,608 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,220,000 | 1,668 |
| Total interest expense | $1,193,000 | 1,688 |
| Net interest income | $3,027,000 | 1,647 |
| Provision for loan and lease losses | $53,000 | 3,225 |
| Total noninterest income | $876,000 | 1,391 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $175,000 | 2,340 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $701,000 | 1,016 |
| Total noninterest expense | $2,386,000 | 1,700 |
| Salaries and employee benefits | $1,443,000 | 1,548 |
| Premises and equipment expense | $314,000 | 1,850 |
| Additional noninterest expense | $629,000 | 1,871 |
| Pre-tax net operating income | $1,464,000 | 1,417 |
| Securities gains (losses) | $194,000 | 515 |
| Applicable income taxes | $624,000 | 1,084 |
| Income before extraordinary items | $1,034,000 | 1,545 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,034,000 | 1,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $700,000 | 910 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $909,840 | 1,644 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,288,000 | 1,653 |
| Total interest expense | $5,833,000 | 1,528 |
| Net interest income | $11,455,000 | 1,695 |
| Provision for loan and lease losses | $778,000 | 1,501 |
| Total noninterest income | $6,647,000 | 901 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $641,000 | 2,553 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,006,000 | 658 |
| Total noninterest expense | $11,015,000 | 1,453 |
| Salaries and employee benefits | $6,851,000 | 1,250 |
| Premises and equipment expense | $1,258,000 | 1,814 |
| Additional noninterest expense | $2,906,000 | 1,673 |
| Pre-tax net operating income | $6,309,000 | 1,308 |
| Securities gains (losses) | $18,000 | 3,281 |
| Applicable income taxes | $2,236,000 | 1,177 |
| Income before extraordinary items | $4,091,000 | 1,534 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,091,000 | 1,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,556 |
| Cash dividends | $2,600,000 | 1,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,079,300 | 1,466 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,075,000 | 1,668 |
| Total interest expense | $4,542,000 | 1,532 |
| Net interest income | $8,533,000 | 1,725 |
| Provision for loan and lease losses | $703,000 | 1,213 |
| Total noninterest income | $5,453,000 | 875 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $467,000 | 2,628 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,986,000 | 642 |
| Total noninterest expense | $8,278,000 | 1,458 |
| Salaries and employee benefits | $5,206,000 | 1,247 |
| Premises and equipment expense | $909,000 | 1,884 |
| Additional noninterest expense | $2,163,000 | 1,677 |
| Pre-tax net operating income | $5,005,000 | 1,287 |
| Securities gains (losses) | $18,000 | 3,018 |
| Applicable income taxes | $1,870,000 | 1,116 |
| Income before extraordinary items | $3,153,000 | 1,538 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,153,000 | 1,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,931 |
| Cash dividends | $1,850,000 | 1,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,141,480 | 1,472 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,834,000 | 1,663 |
| Total interest expense | $3,144,000 | 1,529 |
| Net interest income | $5,690,000 | 1,713 |
| Provision for loan and lease losses | $575,000 | 1,029 |
| Total noninterest income | $3,548,000 | 870 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $301,000 | 2,644 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,247,000 | 638 |
| Total noninterest expense | $5,242,000 | 1,536 |
| Salaries and employee benefits | $3,305,000 | 1,313 |
| Premises and equipment expense | $576,000 | 1,985 |
| Additional noninterest expense | $1,361,000 | 1,765 |
| Pre-tax net operating income | $3,421,000 | 1,244 |
| Securities gains (losses) | $18,000 | 2,668 |
| Applicable income taxes | $1,297,000 | 1,109 |
| Income before extraordinary items | $2,142,000 | 1,525 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,142,000 | 1,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 2,402 |
| Cash dividends | $1,250,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,130,480 | 1,432 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,427,000 | 1,674 |
| Total interest expense | $1,654,000 | 1,501 |
| Net interest income | $2,773,000 | 1,749 |
| Provision for loan and lease losses | $263,000 | 1,067 |
| Total noninterest income | $1,527,000 | 956 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $143,000 | 2,678 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,384,000 | 703 |
| Total noninterest expense | $2,491,000 | 1,602 |
| Salaries and employee benefits | $1,506,000 | 1,430 |
| Premises and equipment expense | $280,000 | 2,035 |
| Additional noninterest expense | $705,000 | 1,672 |
| Pre-tax net operating income | $1,546,000 | 1,384 |
| Securities gains (losses) | $18,000 | 1,950 |
| Applicable income taxes | $589,000 | 1,203 |
| Income before extraordinary items | $975,000 | 1,653 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $975,000 | 1,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 1,724 |
| Cash dividends | $650,000 | 977 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $963,480 | 1,562 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,175,000 | 1,603 |
| Total interest expense | $8,974,000 | 1,253 |
| Net interest income | $10,201,000 | 1,906 |
| Provision for loan and lease losses | $1,115,000 | 1,225 |
| Total noninterest income | $4,944,000 | 1,067 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $591,000 | 2,595 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,353,000 | 766 |
| Total noninterest expense | $9,184,000 | 1,666 |
| Salaries and employee benefits | $5,336,000 | 1,515 |
| Premises and equipment expense | $1,123,000 | 1,968 |
| Additional noninterest expense | $2,725,000 | 1,719 |
| Pre-tax net operating income | $4,846,000 | 1,678 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,821,000 | 1,398 |
| Income before extraordinary items | $3,025,000 | 1,985 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,025,000 | 1,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $796,000 | 1,166 |
| Cash dividends | $1,950,000 | 1,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,025,000 | 1,920 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,582,000 | 1,571 |
| Total interest expense | $12,232,000 | 1,334 |
| Net interest income | $9,350,000 | 1,905 |
| Provision for loan and lease losses | $1,387,000 | 966 |
| Total noninterest income | $4,387,000 | 1,108 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $491,000 | 2,874 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,896,000 | 786 |
| Total noninterest expense | $8,312,000 | 1,755 |
| Salaries and employee benefits | $4,758,000 | 1,587 |
| Premises and equipment expense | $962,000 | 2,226 |
| Additional noninterest expense | $2,592,000 | 1,767 |
| Pre-tax net operating income | $4,038,000 | 1,766 |
| Securities gains (losses) | $125,000 | 1,571 |
| Applicable income taxes | $1,593,000 | 1,422 |
| Income before extraordinary items | $2,570,000 | 2,032 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,570,000 | 2,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $604,000 | 1,359 |
| Cash dividends | $1,425,000 | 1,730 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,490,000 | 2,027 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,401,000 | 9,058 |
| Total interest expense | $788,000 | 8,674 |
| Net interest income | $613,000 | 9,270 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $54,000 | 9,278 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,119 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 8,716 |
| Total noninterest expense | $470,000 | 9,449 |
| Salaries and employee benefits | $208,000 | 9,605 |
| Premises and equipment expense | $81,000 | 8,764 |
| Additional noninterest expense | $181,000 | 8,969 |
| Pre-tax net operating income | $197,000 | 8,374 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $75,000 | 6,855 |
| Income before extraordinary items | $122,000 | 8,570 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $122,000 | 8,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $122,000 | 8,569 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,080,000 | 9,534 |
| Total interest expense | $636,000 | 9,119 |
| Net interest income | $444,000 | 9,767 |
| Provision for loan and lease losses | $94,000 | 5,385 |
| Total noninterest income | $44,000 | 9,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,216 |
| Total noninterest expense | $489,000 | 9,655 |
| Salaries and employee benefits | $189,000 | 9,953 |
| Premises and equipment expense | $80,000 | 9,026 |
| Additional noninterest expense | $220,000 | 8,838 |
| Pre-tax net operating income | $-95,000 | 9,530 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-36,000 | 9,779 |
| Income before extraordinary items | $-59,000 | 9,526 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-59,000 | 9,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-59,000 | 9,502 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $234,000 | 10,344 |
| Total interest expense | $147,000 | 10,246 |
| Net interest income | $87,000 | 10,393 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $13,000 | 10,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 8,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,282 |
| Total noninterest expense | $145,000 | 10,416 |
| Salaries and employee benefits | $59,000 | 10,416 |
| Premises and equipment expense | $24,000 | 10,263 |
| Additional noninterest expense | $62,000 | 10,346 |
| Pre-tax net operating income | $-45,000 | 9,862 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-17,000 | 10,046 |
| Income before extraordinary items | $-28,000 | 9,878 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-28,000 | 9,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,374,000 | 431 |
| Net operating income | $-28,000 | 9,838 |
* 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.