Home > Home Building Savings Bank, FSB > Income and Expense
Home Building Savings Bank, FSB, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,518,000 | 6,535 |
| Total interest expense | $1,254,000 | 5,814 |
| Net interest income | $1,264,000 | 7,030 |
| Provision for loan and lease losses | $4,000 | 6,573 |
| Total noninterest income | $145,000 | 7,026 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $145,000 | 5,203 |
| Total noninterest expense | $986,000 | 7,204 |
| Salaries and employee benefits | $584,000 | 7,022 |
| Premises and equipment expense | $260,000 | 5,352 |
| Additional noninterest expense | $142,000 | 8,199 |
| Pre-tax net operating income | $419,000 | 6,533 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $154,000 | 4,456 |
| Income before extraordinary items | $265,000 | 6,896 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $265,000 | 6,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,946 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $265,000 | 6,903 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,662,000 | 6,559 |
| Total interest expense | $807,000 | 5,787 |
| Net interest income | $855,000 | 7,037 |
| Provision for loan and lease losses | $4,000 | 6,268 |
| Total noninterest income | $94,000 | 7,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $94,000 | 5,267 |
| Total noninterest expense | $651,000 | 7,266 |
| Salaries and employee benefits | $373,000 | 7,152 |
| Premises and equipment expense | $158,000 | 5,646 |
| Additional noninterest expense | $120,000 | 7,953 |
| Pre-tax net operating income | $294,000 | 6,502 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $108,000 | 4,421 |
| Income before extraordinary items | $186,000 | 6,856 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $186,000 | 6,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $186,000 | 6,865 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $825,000 | 6,567 |
| Total interest expense | $396,000 | 5,730 |
| Net interest income | $429,000 | 7,046 |
| Provision for loan and lease losses | $4,000 | 5,752 |
| Total noninterest income | $43,000 | 7,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $43,000 | 5,402 |
| Total noninterest expense | $324,000 | 7,279 |
| Salaries and employee benefits | $188,000 | 7,143 |
| Premises and equipment expense | $75,000 | 5,803 |
| Additional noninterest expense | $61,000 | 7,912 |
| Pre-tax net operating income | $144,000 | 6,498 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $52,000 | 4,445 |
| Income before extraordinary items | $92,000 | 6,859 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $92,000 | 6,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $92,000 | 6,856 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 6,483 |
| Total interest expense | $1,349,000 | 5,513 |
| Net interest income | $1,791,000 | 6,902 |
| Provision for loan and lease losses | $40,000 | 5,969 |
| Total noninterest income | $195,000 | 7,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $195,000 | 5,217 |
| Total noninterest expense | $1,233,000 | 7,348 |
| Salaries and employee benefits | $724,000 | 7,178 |
| Premises and equipment expense | $288,000 | 5,844 |
| Additional noninterest expense | $221,000 | 8,101 |
| Pre-tax net operating income | $713,000 | 6,118 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $263,000 | 4,298 |
| Income before extraordinary items | $450,000 | 6,577 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $450,000 | 6,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,584 |
| Cash dividends | $250,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $450,000 | 6,557 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,311,000 | 6,534 |
| Total interest expense | $971,000 | 5,516 |
| Net interest income | $1,340,000 | 6,952 |
| Provision for loan and lease losses | $36,000 | 5,642 |
| Total noninterest income | $149,000 | 7,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $149,000 | 5,195 |
| Total noninterest expense | $920,000 | 7,344 |
| Salaries and employee benefits | $538,000 | 7,188 |
| Premises and equipment expense | $216,000 | 5,843 |
| Additional noninterest expense | $166,000 | 8,096 |
| Pre-tax net operating income | $533,000 | 6,271 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $196,000 | 4,444 |
| Income before extraordinary items | $337,000 | 6,728 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $337,000 | 6,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,913 |
| Cash dividends | $250,000 | 3,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $337,000 | 6,684 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,504,000 | 6,555 |
| Total interest expense | $615,000 | 5,504 |
| Net interest income | $889,000 | 6,968 |
| Provision for loan and lease losses | $24,000 | 5,514 |
| Total noninterest income | $94,000 | 7,161 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $94,000 | 5,308 |
| Total noninterest expense | $600,000 | 7,398 |
| Salaries and employee benefits | $353,000 | 7,238 |
| Premises and equipment expense | $142,000 | 5,866 |
| Additional noninterest expense | $105,000 | 8,153 |
| Pre-tax net operating income | $359,000 | 6,235 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $132,000 | 4,429 |
| Income before extraordinary items | $227,000 | 6,697 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $227,000 | 6,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $50,000 | 4,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $227,000 | 6,646 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $743,000 | 6,593 |
| Total interest expense | $294,000 | 5,537 |
| Net interest income | $449,000 | 6,987 |
| Provision for loan and lease losses | $12,000 | 5,254 |
| Total noninterest income | $44,000 | 7,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,463 |
| Total noninterest expense | $299,000 | 7,453 |
| Salaries and employee benefits | $176,000 | 7,300 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $52,000 | 8,214 |
| Pre-tax net operating income | $182,000 | 6,167 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $67,000 | 4,351 |
| Income before extraordinary items | $115,000 | 6,655 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $115,000 | 6,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,216 |
| Cash dividends | $50,000 | 3,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $115,000 | 6,620 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,798,000 | 6,617 |
| Total interest expense | $1,093,000 | 5,402 |
| Net interest income | $1,705,000 | 7,040 |
| Provision for loan and lease losses | $87,000 | 5,241 |
| Total noninterest income | $198,000 | 7,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $198,000 | 5,129 |
| Total noninterest expense | $1,181,000 | 7,475 |
| Salaries and employee benefits | $716,000 | 7,229 |
| Premises and equipment expense | $280,000 | 5,877 |
| Additional noninterest expense | $185,000 | 8,398 |
| Pre-tax net operating income | $635,000 | 6,291 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $238,000 | 4,518 |
| Income before extraordinary items | $397,000 | 6,788 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $397,000 | 6,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,468 |
| Cash dividends | $598,000 | 3,250 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $397,000 | 6,725 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,066,000 | 6,671 |
| Total interest expense | $802,000 | 5,442 |
| Net interest income | $1,264,000 | 7,082 |
| Provision for loan and lease losses | $75,000 | 4,788 |
| Total noninterest income | $155,000 | 7,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $155,000 | 5,055 |
| Total noninterest expense | $890,000 | 7,428 |
| Salaries and employee benefits | $542,000 | 7,158 |
| Premises and equipment expense | $209,000 | 5,855 |
| Additional noninterest expense | $139,000 | 8,396 |
| Pre-tax net operating income | $454,000 | 6,526 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $170,000 | 4,688 |
| Income before extraordinary items | $284,000 | 7,012 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $284,000 | 7,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,698 |
| Cash dividends | $448,000 | 2,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $284,000 | 6,945 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 6,750 |
| Total interest expense | $524,000 | 5,520 |
| Net interest income | $834,000 | 7,136 |
| Provision for loan and lease losses | $24,000 | 5,696 |
| Total noninterest income | $108,000 | 7,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $108,000 | 5,008 |
| Total noninterest expense | $584,000 | 7,519 |
| Salaries and employee benefits | $356,000 | 7,253 |
| Premises and equipment expense | $138,000 | 5,916 |
| Additional noninterest expense | $90,000 | 8,466 |
| Pre-tax net operating income | $334,000 | 6,283 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $126,000 | 4,529 |
| Income before extraordinary items | $208,000 | 6,816 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $208,000 | 6,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $78,000 | 4,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $208,000 | 6,731 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $679,000 | 6,788 |
| Total interest expense | $261,000 | 5,597 |
| Net interest income | $418,000 | 7,162 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $51,000 | 7,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $51,000 | 5,085 |
| Total noninterest expense | $290,000 | 7,576 |
| Salaries and employee benefits | $174,000 | 7,354 |
| Premises and equipment expense | $67,000 | 6,015 |
| Additional noninterest expense | $49,000 | 8,420 |
| Pre-tax net operating income | $167,000 | 6,218 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $63,000 | 4,507 |
| Income before extraordinary items | $104,000 | 6,807 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $104,000 | 6,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $78,000 | 3,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $104,000 | 6,696 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,752,000 | 6,792 |
| Total interest expense | $1,141,000 | 5,732 |
| Net interest income | $1,611,000 | 7,193 |
| Provision for loan and lease losses | $58,000 | 6,110 |
| Total noninterest income | $249,000 | 6,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $249,000 | 4,868 |
| Total noninterest expense | $1,134,000 | 7,605 |
| Salaries and employee benefits | $497,000 | 8,089 |
| Premises and equipment expense | $204,000 | 6,731 |
| Additional noninterest expense | $433,000 | 6,939 |
| Pre-tax net operating income | $668,000 | 6,104 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $250,000 | 4,585 |
| Income before extraordinary items | $418,000 | 6,725 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $418,000 | 6,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,116 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $418,000 | 6,563 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,083,000 | 6,844 |
| Total interest expense | $881,000 | 5,786 |
| Net interest income | $1,202,000 | 7,256 |
| Provision for loan and lease losses | $36,000 | 6,222 |
| Total noninterest income | $188,000 | 6,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $188,000 | 4,918 |
| Total noninterest expense | $841,000 | 7,618 |
| Salaries and employee benefits | $324,000 | 8,315 |
| Premises and equipment expense | $138,000 | 6,995 |
| Additional noninterest expense | $379,000 | 6,491 |
| Pre-tax net operating income | $513,000 | 6,226 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $193,000 | 4,699 |
| Income before extraordinary items | $320,000 | 6,831 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $320,000 | 6,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $320,000 | 6,654 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,423,000 | 6,823 |
| Total interest expense | $604,000 | 5,821 |
| Net interest income | $819,000 | 7,212 |
| Provision for loan and lease losses | $24,000 | 6,151 |
| Total noninterest income | $122,000 | 7,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $122,000 | 4,964 |
| Total noninterest expense | $554,000 | 7,669 |
| Salaries and employee benefits | $161,000 | 8,726 |
| Premises and equipment expense | $69,000 | 7,580 |
| Additional noninterest expense | $324,000 | 5,723 |
| Pre-tax net operating income | $363,000 | 6,087 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $134,000 | 4,679 |
| Income before extraordinary items | $229,000 | 6,711 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $229,000 | 6,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $229,000 | 6,504 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $727,000 | 6,798 |
| Total interest expense | $304,000 | 5,901 |
| Net interest income | $423,000 | 7,136 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $42,000 | 7,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $42,000 | 5,598 |
| Total noninterest expense | $275,000 | 7,713 |
| Salaries and employee benefits | $161,000 | 7,534 |
| Premises and equipment expense | $68,000 | 5,942 |
| Additional noninterest expense | $46,000 | 8,601 |
| Pre-tax net operating income | $178,000 | 6,113 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $65,000 | 4,700 |
| Income before extraordinary items | $113,000 | 6,655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 6,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $113,000 | 6,488 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,150,000 | 6,701 |
| Total interest expense | $1,365,000 | 6,030 |
| Net interest income | $1,785,000 | 6,983 |
| Provision for loan and lease losses | $48,000 | 6,757 |
| Total noninterest income | $177,000 | 7,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $177,000 | 5,256 |
| Total noninterest expense | $1,108,000 | 7,705 |
| Salaries and employee benefits | $644,000 | 7,528 |
| Premises and equipment expense | $258,000 | 6,029 |
| Additional noninterest expense | $206,000 | 8,523 |
| Pre-tax net operating income | $806,000 | 5,750 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $310,000 | 4,383 |
| Income before extraordinary items | $496,000 | 6,422 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $496,000 | 6,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,185 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $496,000 | 6,264 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,357,000 | 6,883 |
| Total interest expense | $1,754,000 | 6,499 |
| Net interest income | $1,603,000 | 7,147 |
| Provision for loan and lease losses | $49,000 | 6,732 |
| Total noninterest income | $197,000 | 7,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $197,000 | 4,961 |
| Total noninterest expense | $1,131,000 | 7,626 |
| Salaries and employee benefits | $614,000 | 7,598 |
| Premises and equipment expense | $254,000 | 6,043 |
| Additional noninterest expense | $263,000 | 8,127 |
| Pre-tax net operating income | $620,000 | 6,100 |
| Securities gains (losses) | $13,000 | 3,437 |
| Applicable income taxes | $246,000 | 4,639 |
| Income before extraordinary items | $387,000 | 6,651 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $387,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $50,000 | 6,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $378,680 | 6,564 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,267,000 | 7,150 |
| Total interest expense | $1,816,000 | 6,569 |
| Net interest income | $1,451,000 | 7,539 |
| Provision for loan and lease losses | $39,000 | 6,919 |
| Total noninterest income | $172,000 | 7,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $172,000 | 5,160 |
| Total noninterest expense | $1,245,000 | 7,380 |
| Salaries and employee benefits | $656,000 | 7,400 |
| Premises and equipment expense | $251,000 | 6,034 |
| Additional noninterest expense | $338,000 | 7,645 |
| Pre-tax net operating income | $339,000 | 7,736 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $136,000 | 6,089 |
| Income before extraordinary items | $203,000 | 8,045 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $203,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $203,000 | 8,048 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,305,000 | 7,041 |
| Total interest expense | $1,847,000 | 6,271 |
| Net interest income | $1,458,000 | 7,667 |
| Provision for loan and lease losses | $49,000 | 6,592 |
| Total noninterest income | $220,000 | 7,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $220,000 | 4,722 |
| Total noninterest expense | $1,081,000 | 7,895 |
| Salaries and employee benefits | $552,000 | 8,025 |
| Premises and equipment expense | $253,000 | 5,997 |
| Additional noninterest expense | $276,000 | 8,334 |
| Pre-tax net operating income | $548,000 | 6,920 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $219,000 | 5,510 |
| Income before extraordinary items | $334,000 | 7,375 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $334,000 | 7,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $200,000 | 5,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $330,800 | 7,370 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,192,000 | 7,294 |
| Total interest expense | $1,843,000 | 6,468 |
| Net interest income | $1,349,000 | 7,997 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $220,000 | 7,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $220,000 | 4,722 |
| Total noninterest expense | $1,033,000 | 8,011 |
| Salaries and employee benefits | $498,000 | 8,369 |
| Premises and equipment expense | $221,000 | 6,412 |
| Additional noninterest expense | $314,000 | 7,993 |
| Pre-tax net operating income | $506,000 | 7,330 |
| Securities gains (losses) | $5,000 | 3,437 |
| Applicable income taxes | $204,000 | 6,143 |
| Income before extraordinary items | $307,000 | 7,826 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $307,000 | 7,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $303,800 | 7,772 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,249,000 | 7,451 |
| Total interest expense | $1,811,000 | 6,660 |
| Net interest income | $1,438,000 | 8,131 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $139,000 | 8,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $139,000 | 5,896 |
| Total noninterest expense | $1,027,000 | 8,253 |
| Salaries and employee benefits | $504,000 | 8,576 |
| Premises and equipment expense | $223,000 | 6,453 |
| Additional noninterest expense | $300,000 | 8,323 |
| Pre-tax net operating income | $550,000 | 7,671 |
| Securities gains (losses) | $19,000 | 1,923 |
| Applicable income taxes | $217,000 | 6,654 |
| Income before extraordinary items | $352,000 | 7,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $352,000 | 7,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $175,000 | 5,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $339,840 | 8,031 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,132,000 | 7,836 |
| Total interest expense | $1,774,000 | 6,902 |
| Net interest income | $1,358,000 | 8,624 |
| Provision for loan and lease losses | $410,000 | 2,044 |
| Total noninterest income | $147,000 | 9,051 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $147,000 | 6,025 |
| Total noninterest expense | $1,223,000 | 7,923 |
| Salaries and employee benefits | $494,000 | 8,933 |
| Premises and equipment expense | $139,000 | 8,316 |
| Additional noninterest expense | $590,000 | 6,415 |
| Pre-tax net operating income | $-128,000 | 10,997 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $10,000 | 10,369 |
| Income before extraordinary items | $-138,000 | 11,043 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-138,000 | 11,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 1,658 |
| Cash dividends | $160,000 | 5,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-138,000 | 11,002 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,082,000 | 8,081 |
| Total interest expense | $1,640,000 | 7,301 |
| Net interest income | $1,442,000 | 8,695 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $160,000 | 9,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $160,000 | 5,798 |
| Total noninterest expense | $941,000 | 9,200 |
| Salaries and employee benefits | $496,000 | 9,148 |
| Premises and equipment expense | $139,000 | 8,553 |
| Additional noninterest expense | $306,000 | 9,183 |
| Pre-tax net operating income | $661,000 | 7,537 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $240,000 | 6,788 |
| Income before extraordinary items | $421,000 | 7,876 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $421,000 | 7,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $130,000 | 6,332 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $421,000 | 7,844 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,949,000 | 8,137 |
| Total interest expense | $1,586,000 | 6,636 |
| Net interest income | $1,363,000 | 9,272 |
| Provision for loan and lease losses | $39,000 | 6,667 |
| Total noninterest income | $116,000 | 10,385 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $116,000 | 7,032 |
| Total noninterest expense | $892,000 | 9,805 |
| Salaries and employee benefits | $409,000 | 10,210 |
| Premises and equipment expense | $140,000 | 8,820 |
| Additional noninterest expense | $343,000 | 9,439 |
| Pre-tax net operating income | $548,000 | 8,326 |
| Securities gains (losses) | $-13,000 | 10,028 |
| Applicable income taxes | $208,000 | 7,209 |
| Income before extraordinary items | $327,000 | 8,851 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $327,000 | 8,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $335,320 | 8,826 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,091,000 | 8,188 |
| Total interest expense | $1,728,000 | 6,543 |
| Net interest income | $1,363,000 | 9,536 |
| Provision for loan and lease losses | $3,000 | 10,228 |
| Total noninterest income | $130,000 | 10,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $130,000 | 7,013 |
| Total noninterest expense | $814,000 | 10,593 |
| Salaries and employee benefits | $382,000 | 10,818 |
| Premises and equipment expense | $132,000 | 9,415 |
| Additional noninterest expense | $300,000 | 10,450 |
| Pre-tax net operating income | $676,000 | 7,490 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $240,000 | 6,952 |
| Income before extraordinary items | $436,000 | 8,087 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $436,000 | 8,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $436,000 | 7,822 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,170,000 | 8,686 |
| Total interest expense | $2,150,000 | 6,754 |
| Net interest income | $1,020,000 | 11,029 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $129,000 | 10,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $129,000 | 7,194 |
| Total noninterest expense | $836,000 | 10,824 |
| Salaries and employee benefits | $347,000 | 11,473 |
| Premises and equipment expense | $136,000 | 9,504 |
| Additional noninterest expense | $353,000 | 10,154 |
| Pre-tax net operating income | $313,000 | 10,005 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $90,000 | 10,159 |
| Income before extraordinary items | $223,000 | 10,279 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $223,000 | 10,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $223,000 | 9,930 |
* 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.