Home > Home Valley Bank > Income and Expense
Home Valley Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,650,000 | 2,732 |
| Total interest expense | $1,545,000 | 2,719 |
| Net interest income | $4,105,000 | 2,697 |
| Provision for loan and lease losses | $6,150,000 | 531 |
| Total noninterest income | $113,000 | 5,911 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $240,000 | 2,789 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-127,000 | 7,552 |
| Total noninterest expense | $3,341,000 | 2,840 |
| Salaries and employee benefits | $1,561,000 | 3,038 |
| Premises and equipment expense | $372,000 | 3,214 |
| Additional noninterest expense | $1,408,000 | 2,377 |
| Pre-tax net operating income | $-5,273,000 | 7,564 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-5,273,000 | 7,599 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-5,273,000 | 7,599 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-5,273,000 | 7,599 |
| Net charge-offs | $2,403,000 | 982 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-5,273,000 | 7,588 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,891,000 | 2,736 |
| Total interest expense | $805,000 | 2,745 |
| Net interest income | $2,086,000 | 2,668 |
| Provision for loan and lease losses | $6,110,000 | 323 |
| Total noninterest income | $26,000 | 6,890 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $117,000 | 2,833 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-91,000 | 7,731 |
| Total noninterest expense | $1,659,000 | 2,879 |
| Salaries and employee benefits | $800,000 | 3,019 |
| Premises and equipment expense | $182,000 | 3,366 |
| Additional noninterest expense | $677,000 | 2,442 |
| Pre-tax net operating income | $-5,657,000 | 7,782 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-9,000 | 7,098 |
| Income before extraordinary items | $-5,648,000 | 7,804 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-5,648,000 | 7,805 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-5,648,000 | 7,805 |
| Net charge-offs | $2,417,000 | 566 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-5,648,000 | 7,797 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,536,000 | 2,629 |
| Total interest expense | $5,307,000 | 2,144 |
| Net interest income | $7,229,000 | 2,984 |
| Provision for loan and lease losses | $6,161,000 | 1,217 |
| Total noninterest income | $1,237,000 | 2,911 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $516,000 | 2,822 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $721,000 | 2,609 |
| Total noninterest expense | $6,802,000 | 2,863 |
| Salaries and employee benefits | $2,809,000 | 3,381 |
| Premises and equipment expense | $657,000 | 3,628 |
| Additional noninterest expense | $3,336,000 | 2,147 |
| Pre-tax net operating income | $-4,497,000 | 7,129 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $225,000 | 2,281 |
| Income before extraordinary items | $-4,722,000 | 7,233 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,722,000 | 7,232 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,722,000 | 7,232 |
| Net charge-offs | $4,492,000 | 1,241 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-4,722,000 | 7,255 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,551,000 | 2,643 |
| Total interest expense | $4,122,000 | 2,165 |
| Net interest income | $5,429,000 | 2,970 |
| Provision for loan and lease losses | $6,161,000 | 904 |
| Total noninterest income | $977,000 | 2,864 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $403,000 | 2,744 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $574,000 | 2,581 |
| Total noninterest expense | $4,318,000 | 3,282 |
| Salaries and employee benefits | $2,092,000 | 3,414 |
| Premises and equipment expense | $479,000 | 3,742 |
| Additional noninterest expense | $1,747,000 | 2,888 |
| Pre-tax net operating income | $-4,073,000 | 7,416 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $856,000 | 951 |
| Income before extraordinary items | $-4,929,000 | 7,569 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,929,000 | 7,569 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,929,000 | 7,569 |
| Net charge-offs | $3,472,000 | 1,082 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,929,000 | 7,579 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,521,000 | 2,617 |
| Total interest expense | $2,788,000 | 2,224 |
| Net interest income | $3,733,000 | 2,887 |
| Provision for loan and lease losses | $1,917,000 | 1,437 |
| Total noninterest income | $693,000 | 2,763 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $263,000 | 2,756 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $430,000 | 2,440 |
| Total noninterest expense | $2,844,000 | 3,357 |
| Salaries and employee benefits | $1,382,000 | 3,474 |
| Premises and equipment expense | $301,000 | 3,922 |
| Additional noninterest expense | $1,161,000 | 2,912 |
| Pre-tax net operating income | $-335,000 | 6,472 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-123,000 | 7,200 |
| Income before extraordinary items | $-212,000 | 6,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-212,000 | 6,395 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-212,000 | 6,395 |
| Net charge-offs | $1,198,000 | 1,520 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-212,000 | 6,384 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,385,000 | 2,569 |
| Total interest expense | $1,504,000 | 2,173 |
| Net interest income | $1,881,000 | 2,862 |
| Provision for loan and lease losses | $1,567,000 | 887 |
| Total noninterest income | $350,000 | 2,730 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $127,000 | 2,774 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $223,000 | 2,361 |
| Total noninterest expense | $1,367,000 | 3,387 |
| Salaries and employee benefits | $699,000 | 3,466 |
| Premises and equipment expense | $149,000 | 3,991 |
| Additional noninterest expense | $519,000 | 2,912 |
| Pre-tax net operating income | $-703,000 | 7,485 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-300,000 | 7,794 |
| Income before extraordinary items | $-403,000 | 7,350 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-403,000 | 7,351 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-403,000 | 7,351 |
| Net charge-offs | $1,100,000 | 906 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-403,000 | 7,310 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,378,000 | 2,760 |
| Total interest expense | $5,884,000 | 2,561 |
| Net interest income | $7,494,000 | 2,867 |
| Provision for loan and lease losses | $6,770,000 | 804 |
| Total noninterest income | $1,628,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $633,000 | 2,547 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $995,000 | 2,126 |
| Total noninterest expense | $5,545,000 | 3,294 |
| Salaries and employee benefits | $2,949,000 | 3,306 |
| Premises and equipment expense | $665,000 | 3,635 |
| Additional noninterest expense | $1,931,000 | 2,946 |
| Pre-tax net operating income | $-3,193,000 | 7,623 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,172,000 | 7,762 |
| Income before extraordinary items | $-2,021,000 | 7,393 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,021,000 | 7,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,775,000 | 1,395 |
| Cash dividends | $80,000 | 5,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,021,000 | 7,487 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,034,000 | 2,804 |
| Total interest expense | $4,458,000 | 2,626 |
| Net interest income | $5,576,000 | 2,914 |
| Provision for loan and lease losses | $1,006,000 | 1,814 |
| Total noninterest income | $1,296,000 | 2,449 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $471,000 | 2,572 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $825,000 | 2,078 |
| Total noninterest expense | $4,132,000 | 3,304 |
| Salaries and employee benefits | $2,300,000 | 3,216 |
| Premises and equipment expense | $499,000 | 3,638 |
| Additional noninterest expense | $1,333,000 | 3,074 |
| Pre-tax net operating income | $1,734,000 | 2,548 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $637,000 | 1,632 |
| Income before extraordinary items | $1,097,000 | 2,920 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,097,000 | 2,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 1,869 |
| Cash dividends | $80,000 | 4,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,097,000 | 3,067 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,692,000 | 2,852 |
| Total interest expense | $3,001,000 | 2,708 |
| Net interest income | $3,691,000 | 2,924 |
| Provision for loan and lease losses | $961,000 | 1,255 |
| Total noninterest income | $1,001,000 | 2,220 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $306,000 | 2,606 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $695,000 | 1,799 |
| Total noninterest expense | $2,710,000 | 3,355 |
| Salaries and employee benefits | $1,522,000 | 3,289 |
| Premises and equipment expense | $325,000 | 3,722 |
| Additional noninterest expense | $863,000 | 3,126 |
| Pre-tax net operating income | $1,021,000 | 2,908 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $389,000 | 1,902 |
| Income before extraordinary items | $632,000 | 3,521 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $632,000 | 3,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $541,000 | 1,245 |
| Cash dividends | $80,000 | 4,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $632,000 | 3,466 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,378,000 | 2,889 |
| Total interest expense | $1,545,000 | 2,803 |
| Net interest income | $1,833,000 | 2,925 |
| Provision for loan and lease losses | $657,000 | 841 |
| Total noninterest income | $272,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $150,000 | 2,617 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $122,000 | 3,415 |
| Total noninterest expense | $1,370,000 | 3,320 |
| Salaries and employee benefits | $786,000 | 3,218 |
| Premises and equipment expense | $165,000 | 3,711 |
| Additional noninterest expense | $419,000 | 3,178 |
| Pre-tax net operating income | $78,000 | 6,272 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $29,000 | 4,079 |
| Income before extraordinary items | $49,000 | 6,591 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $49,000 | 6,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $626,000 | 616 |
| Cash dividends | $80,000 | 3,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $49,000 | 6,494 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,485,000 | 2,948 |
| Total interest expense | $6,471,000 | 2,822 |
| Net interest income | $7,014,000 | 3,096 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,139,000 | 3,249 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $641,000 | 2,547 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $498,000 | 3,320 |
| Total noninterest expense | $5,025,000 | 3,430 |
| Salaries and employee benefits | $3,064,000 | 3,170 |
| Premises and equipment expense | $482,000 | 4,477 |
| Additional noninterest expense | $1,479,000 | 3,464 |
| Pre-tax net operating income | $3,128,000 | 2,386 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,128,000 | 1,716 |
| Income before extraordinary items | $2,000,000 | 2,831 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,000,000 | 2,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,625 |
| Cash dividends | $237,000 | 4,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,000,000 | 2,807 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,964,000 | 2,991 |
| Total interest expense | $4,813,000 | 2,835 |
| Net interest income | $5,151,000 | 3,158 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $830,000 | 3,314 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $478,000 | 2,536 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $352,000 | 3,444 |
| Total noninterest expense | $3,743,000 | 3,426 |
| Salaries and employee benefits | $2,310,000 | 3,143 |
| Premises and equipment expense | $326,000 | 4,762 |
| Additional noninterest expense | $1,107,000 | 3,411 |
| Pre-tax net operating income | $2,238,000 | 2,638 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $818,000 | 1,884 |
| Income before extraordinary items | $1,420,000 | 3,094 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,420,000 | 3,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,320 |
| Cash dividends | $179,000 | 4,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,420,000 | 3,077 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,551,000 | 3,038 |
| Total interest expense | $3,134,000 | 2,895 |
| Net interest income | $3,417,000 | 3,191 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $516,000 | 3,496 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $275,000 | 2,838 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $241,000 | 3,420 |
| Total noninterest expense | $2,447,000 | 3,500 |
| Salaries and employee benefits | $1,537,000 | 3,185 |
| Premises and equipment expense | $201,000 | 5,023 |
| Additional noninterest expense | $709,000 | 3,525 |
| Pre-tax net operating income | $1,486,000 | 2,688 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $551,000 | 1,942 |
| Income before extraordinary items | $935,000 | 3,158 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $935,000 | 3,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $94,000 | 4,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $935,000 | 3,146 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,166,000 | 3,124 |
| Total interest expense | $1,526,000 | 2,949 |
| Net interest income | $1,640,000 | 3,297 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $245,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $135,000 | 2,824 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $110,000 | 3,585 |
| Total noninterest expense | $1,177,000 | 3,626 |
| Salaries and employee benefits | $739,000 | 3,303 |
| Premises and equipment expense | $100,000 | 5,048 |
| Additional noninterest expense | $338,000 | 3,626 |
| Pre-tax net operating income | $708,000 | 2,773 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $269,000 | 2,000 |
| Income before extraordinary items | $439,000 | 3,289 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $439,000 | 3,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $84,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $439,000 | 3,265 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,814,000 | 3,141 |
| Total interest expense | $4,932,000 | 3,057 |
| Net interest income | $6,882,000 | 3,151 |
| Provision for loan and lease losses | $178,000 | 3,798 |
| Total noninterest income | $995,000 | 3,560 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $521,000 | 2,972 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $474,000 | 3,436 |
| Total noninterest expense | $4,629,000 | 3,559 |
| Salaries and employee benefits | $2,713,000 | 3,402 |
| Premises and equipment expense | $425,000 | 4,737 |
| Additional noninterest expense | $1,491,000 | 3,302 |
| Pre-tax net operating income | $3,070,000 | 2,731 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,159,000 | 1,995 |
| Income before extraordinary items | $1,911,000 | 3,196 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,911,000 | 3,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,801 |
| Cash dividends | $148,000 | 5,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,911,000 | 3,183 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,624,000 | 3,191 |
| Total interest expense | $3,506,000 | 3,106 |
| Net interest income | $5,118,000 | 3,203 |
| Provision for loan and lease losses | $123,000 | 3,795 |
| Total noninterest income | $737,000 | 3,597 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $401,000 | 2,946 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $336,000 | 3,520 |
| Total noninterest expense | $3,535,000 | 3,499 |
| Salaries and employee benefits | $2,029,000 | 3,407 |
| Premises and equipment expense | $327,000 | 4,662 |
| Additional noninterest expense | $1,179,000 | 3,188 |
| Pre-tax net operating income | $2,197,000 | 2,932 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $826,000 | 2,153 |
| Income before extraordinary items | $1,371,000 | 3,399 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,371,000 | 3,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,782 |
| Cash dividends | $63,000 | 4,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,371,000 | 3,393 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,535,000 | 3,246 |
| Total interest expense | $2,182,000 | 3,161 |
| Net interest income | $3,353,000 | 3,252 |
| Provision for loan and lease losses | $80,000 | 3,718 |
| Total noninterest income | $485,000 | 3,602 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $267,000 | 2,931 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $218,000 | 3,574 |
| Total noninterest expense | $2,336,000 | 3,535 |
| Salaries and employee benefits | $1,349,000 | 3,427 |
| Premises and equipment expense | $226,000 | 4,557 |
| Additional noninterest expense | $761,000 | 3,253 |
| Pre-tax net operating income | $1,422,000 | 2,985 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $532,000 | 2,220 |
| Income before extraordinary items | $890,000 | 3,474 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $890,000 | 3,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,343 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $890,000 | 3,464 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,580,000 | 3,360 |
| Total interest expense | $990,000 | 3,279 |
| Net interest income | $1,590,000 | 3,373 |
| Provision for loan and lease losses | $35,000 | 3,693 |
| Total noninterest income | $222,000 | 3,751 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $129,000 | 2,926 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $93,000 | 3,860 |
| Total noninterest expense | $1,132,000 | 3,641 |
| Salaries and employee benefits | $661,000 | 3,498 |
| Premises and equipment expense | $114,000 | 4,571 |
| Additional noninterest expense | $357,000 | 3,411 |
| Pre-tax net operating income | $645,000 | 3,156 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $239,000 | 2,343 |
| Income before extraordinary items | $406,000 | 3,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $406,000 | 3,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,260 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $406,000 | 3,657 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,118,000 | 3,391 |
| Total interest expense | $2,896,000 | 3,437 |
| Net interest income | $6,222,000 | 3,325 |
| Provision for loan and lease losses | $144,000 | 4,215 |
| Total noninterest income | $959,000 | 3,663 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $480,000 | 3,138 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $479,000 | 3,443 |
| Total noninterest expense | $4,518,000 | 3,530 |
| Salaries and employee benefits | $2,518,000 | 3,458 |
| Premises and equipment expense | $481,000 | 4,293 |
| Additional noninterest expense | $1,519,000 | 3,199 |
| Pre-tax net operating income | $2,519,000 | 3,147 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $918,000 | 2,374 |
| Income before extraordinary items | $1,601,000 | 3,634 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,601,000 | 3,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,513 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,601,000 | 3,608 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,649,000 | 3,412 |
| Total interest expense | $2,072,000 | 3,415 |
| Net interest income | $4,577,000 | 3,369 |
| Provision for loan and lease losses | $128,000 | 3,785 |
| Total noninterest income | $691,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $344,000 | 3,255 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $347,000 | 3,540 |
| Total noninterest expense | $3,306,000 | 3,567 |
| Salaries and employee benefits | $1,844,000 | 3,498 |
| Premises and equipment expense | $355,000 | 4,325 |
| Additional noninterest expense | $1,107,000 | 3,242 |
| Pre-tax net operating income | $1,834,000 | 3,258 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $689,000 | 2,416 |
| Income before extraordinary items | $1,145,000 | 3,800 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,145,000 | 3,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,590 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,145,000 | 3,752 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,289,000 | 3,428 |
| Total interest expense | $1,328,000 | 3,366 |
| Net interest income | $2,961,000 | 3,434 |
| Provision for loan and lease losses | $96,000 | 3,425 |
| Total noninterest income | $412,000 | 3,979 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $200,000 | 3,514 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $212,000 | 3,664 |
| Total noninterest expense | $2,130,000 | 3,635 |
| Salaries and employee benefits | $1,214,000 | 3,531 |
| Premises and equipment expense | $229,000 | 4,396 |
| Additional noninterest expense | $687,000 | 3,411 |
| Pre-tax net operating income | $1,147,000 | 3,371 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $421,000 | 2,536 |
| Income before extraordinary items | $726,000 | 3,888 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $726,000 | 3,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,677 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $726,000 | 3,830 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,081,000 | 3,479 |
| Total interest expense | $632,000 | 3,375 |
| Net interest income | $1,449,000 | 3,495 |
| Provision for loan and lease losses | $43,000 | 3,526 |
| Total noninterest income | $184,000 | 4,198 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $83,000 | 3,846 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $101,000 | 3,720 |
| Total noninterest expense | $1,045,000 | 3,722 |
| Salaries and employee benefits | $598,000 | 3,576 |
| Premises and equipment expense | $108,000 | 4,611 |
| Additional noninterest expense | $339,000 | 3,451 |
| Pre-tax net operating income | $545,000 | 3,450 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $205,000 | 2,551 |
| Income before extraordinary items | $340,000 | 4,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $340,000 | 4,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $340,000 | 3,989 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,527,000 | 3,579 |
| Total interest expense | $2,291,000 | 3,267 |
| Net interest income | $5,236,000 | 3,672 |
| Provision for loan and lease losses | $234,000 | 3,432 |
| Total noninterest income | $798,000 | 4,053 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $329,000 | 4,105 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $469,000 | 3,431 |
| Total noninterest expense | $3,995,000 | 3,748 |
| Salaries and employee benefits | $2,334,000 | 3,531 |
| Premises and equipment expense | $357,000 | 5,139 |
| Additional noninterest expense | $1,304,000 | 3,517 |
| Pre-tax net operating income | $1,805,000 | 3,784 |
| Securities gains (losses) | $14,000 | 2,631 |
| Applicable income taxes | $679,000 | 2,816 |
| Income before extraordinary items | $1,140,000 | 4,339 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,140,000 | 4,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,719 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,131,040 | 4,286 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,474,000 | 3,660 |
| Total interest expense | $1,657,000 | 3,314 |
| Net interest income | $3,817,000 | 3,740 |
| Provision for loan and lease losses | $163,000 | 3,391 |
| Total noninterest income | $534,000 | 4,356 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $251,000 | 4,094 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $283,000 | 3,841 |
| Total noninterest expense | $2,948,000 | 3,764 |
| Salaries and employee benefits | $1,774,000 | 3,477 |
| Premises and equipment expense | $263,000 | 5,174 |
| Additional noninterest expense | $911,000 | 3,682 |
| Pre-tax net operating income | $1,240,000 | 4,080 |
| Securities gains (losses) | $14,000 | 2,518 |
| Applicable income taxes | $464,000 | 3,037 |
| Income before extraordinary items | $790,000 | 4,660 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $790,000 | 4,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $781,040 | 4,610 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,461,000 | 3,810 |
| Total interest expense | $1,049,000 | 3,462 |
| Net interest income | $2,412,000 | 3,892 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $357,000 | 4,375 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $167,000 | 4,079 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $190,000 | 3,837 |
| Total noninterest expense | $1,936,000 | 3,841 |
| Salaries and employee benefits | $1,184,000 | 3,489 |
| Premises and equipment expense | $168,000 | 5,352 |
| Additional noninterest expense | $584,000 | 3,820 |
| Pre-tax net operating income | $733,000 | 4,341 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $261,000 | 3,315 |
| Income before extraordinary items | $473,000 | 4,877 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $473,000 | 4,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,456 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $472,360 | 4,798 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,654,000 | 3,946 |
| Total interest expense | $486,000 | 3,728 |
| Net interest income | $1,168,000 | 3,980 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $179,000 | 4,333 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 4,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $96,000 | 3,801 |
| Total noninterest expense | $961,000 | 3,879 |
| Salaries and employee benefits | $601,000 | 3,449 |
| Premises and equipment expense | $81,000 | 5,477 |
| Additional noninterest expense | $279,000 | 3,970 |
| Pre-tax net operating income | $376,000 | 4,239 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $130,000 | 3,350 |
| Income before extraordinary items | $247,000 | 4,791 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $247,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,783 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $246,340 | 4,679 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,140,000 | 4,243 |
| Total interest expense | $1,622,000 | 4,654 |
| Net interest income | $4,518,000 | 3,986 |
| Provision for loan and lease losses | $314,000 | 3,068 |
| Total noninterest income | $831,000 | 4,141 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $333,000 | 4,066 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $498,000 | 3,593 |
| Total noninterest expense | $3,541,000 | 4,074 |
| Salaries and employee benefits | $2,041,000 | 3,859 |
| Premises and equipment expense | $301,000 | 5,652 |
| Additional noninterest expense | $1,199,000 | 3,726 |
| Pre-tax net operating income | $1,494,000 | 4,133 |
| Securities gains (losses) | $47,000 | 2,570 |
| Applicable income taxes | $585,000 | 3,109 |
| Income before extraordinary items | $956,000 | 4,768 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $956,000 | 4,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,071 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $925,920 | 4,704 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,533,000 | 4,346 |
| Total interest expense | $1,194,000 | 4,834 |
| Net interest income | $3,339,000 | 4,046 |
| Provision for loan and lease losses | $304,000 | 2,484 |
| Total noninterest income | $630,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $243,000 | 4,151 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $387,000 | 3,591 |
| Total noninterest expense | $2,633,000 | 4,078 |
| Salaries and employee benefits | $1,533,000 | 3,844 |
| Premises and equipment expense | $217,000 | 5,749 |
| Additional noninterest expense | $883,000 | 3,754 |
| Pre-tax net operating income | $1,032,000 | 4,471 |
| Securities gains (losses) | $39,000 | 2,515 |
| Applicable income taxes | $392,000 | 3,451 |
| Income before extraordinary items | $679,000 | 5,066 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $679,000 | 5,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,505 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $654,040 | 4,985 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,886,000 | 4,505 |
| Total interest expense | $787,000 | 4,975 |
| Net interest income | $2,099,000 | 4,245 |
| Provision for loan and lease losses | $156,000 | 2,937 |
| Total noninterest income | $374,000 | 4,412 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $158,000 | 4,168 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $216,000 | 3,907 |
| Total noninterest expense | $1,738,000 | 4,119 |
| Salaries and employee benefits | $1,025,000 | 3,834 |
| Premises and equipment expense | $143,000 | 5,813 |
| Additional noninterest expense | $570,000 | 3,858 |
| Pre-tax net operating income | $579,000 | 4,929 |
| Securities gains (losses) | $39,000 | 2,190 |
| Applicable income taxes | $216,000 | 3,811 |
| Income before extraordinary items | $402,000 | 5,391 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $402,000 | 5,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $376,650 | 5,360 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,346,000 | 4,758 |
| Total interest expense | $399,000 | 5,044 |
| Net interest income | $947,000 | 4,560 |
| Provision for loan and lease losses | $46,000 | 3,791 |
| Total noninterest income | $192,000 | 4,272 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $79,000 | 4,109 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $113,000 | 3,713 |
| Total noninterest expense | $859,000 | 4,141 |
| Salaries and employee benefits | $504,000 | 3,874 |
| Premises and equipment expense | $73,000 | 5,718 |
| Additional noninterest expense | $282,000 | 3,842 |
| Pre-tax net operating income | $234,000 | 5,451 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $76,000 | 4,452 |
| Income before extraordinary items | $158,000 | 5,889 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $158,000 | 5,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $158,000 | 5,697 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,065,000 | 5,132 |
| Total interest expense | $1,668,000 | 5,388 |
| Net interest income | $3,397,000 | 4,855 |
| Provision for loan and lease losses | $260,000 | 3,766 |
| Total noninterest income | $768,000 | 4,101 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $366,000 | 3,752 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $402,000 | 3,689 |
| Total noninterest expense | $2,852,000 | 4,629 |
| Salaries and employee benefits | $1,632,000 | 4,392 |
| Premises and equipment expense | $276,000 | 5,815 |
| Additional noninterest expense | $944,000 | 4,374 |
| Pre-tax net operating income | $1,053,000 | 5,071 |
| Securities gains (losses) | $56,000 | 2,303 |
| Applicable income taxes | $430,000 | 3,748 |
| Income before extraordinary items | $679,000 | 5,633 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $679,000 | 5,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,876 |
| Cash dividends | $10,000 | 6,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $643,160 | 5,648 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,612,000 | 5,892 |
| Total interest expense | $1,816,000 | 6,392 |
| Net interest income | $2,796,000 | 5,323 |
| Provision for loan and lease losses | $105,000 | 5,502 |
| Total noninterest income | $653,000 | 4,369 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $340,000 | 3,842 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $313,000 | 4,024 |
| Total noninterest expense | $2,354,000 | 5,165 |
| Salaries and employee benefits | $1,331,000 | 4,949 |
| Premises and equipment expense | $226,000 | 6,403 |
| Additional noninterest expense | $797,000 | 4,795 |
| Pre-tax net operating income | $990,000 | 4,925 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $343,000 | 4,022 |
| Income before extraordinary items | $651,000 | 5,403 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $651,000 | 5,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,455 |
| Cash dividends | $55,000 | 6,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $648,400 | 5,294 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,989,000 | 6,500 |
| Total interest expense | $1,608,000 | 6,949 |
| Net interest income | $2,381,000 | 5,990 |
| Provision for loan and lease losses | $35,000 | 7,078 |
| Total noninterest income | $520,000 | 4,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $340,000 | 3,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,028 |
| Total noninterest expense | $2,114,000 | 5,477 |
| Salaries and employee benefits | $1,185,000 | 5,282 |
| Premises and equipment expense | $187,000 | 6,963 |
| Additional noninterest expense | $742,000 | 4,977 |
| Pre-tax net operating income | $752,000 | 6,035 |
| Securities gains (losses) | $-18,000 | 8,681 |
| Applicable income taxes | $220,000 | 5,222 |
| Income before extraordinary items | $514,000 | 6,242 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $514,000 | 6,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,928 |
| Cash dividends | $120,000 | 5,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $526,600 | 6,195 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,505,000 | 6,822 |
| Total interest expense | $1,254,000 | 7,506 |
| Net interest income | $2,251,000 | 6,179 |
| Provision for loan and lease losses | $-11,000 | 9,991 |
| Total noninterest income | $484,000 | 5,054 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,033 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,076 |
| Total noninterest expense | $2,031,000 | 5,634 |
| Salaries and employee benefits | $1,150,000 | 5,332 |
| Premises and equipment expense | $192,000 | 6,941 |
| Additional noninterest expense | $689,000 | 5,294 |
| Pre-tax net operating income | $715,000 | 6,262 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $202,000 | 5,690 |
| Income before extraordinary items | $517,000 | 6,313 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $517,000 | 6,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $51,000 | 6,581 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $514,120 | 6,321 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,708,000 | 6,748 |
| Total interest expense | $1,289,000 | 7,701 |
| Net interest income | $2,419,000 | 5,965 |
| Provision for loan and lease losses | $101,000 | 5,074 |
| Total noninterest income | $486,000 | 5,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 4,763 |
| Total noninterest expense | $2,085,000 | 5,441 |
| Salaries and employee benefits | $1,233,000 | 4,978 |
| Premises and equipment expense | $227,000 | 6,307 |
| Additional noninterest expense | $625,000 | 5,592 |
| Pre-tax net operating income | $719,000 | 6,414 |
| Securities gains (losses) | $23,000 | 2,320 |
| Applicable income taxes | $230,000 | 5,833 |
| Income before extraordinary items | $512,000 | 6,542 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $512,000 | 6,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,338 |
| Cash dividends | $20,000 | 7,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $496,130 | 6,519 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,331,000 | 7,373 |
| Total interest expense | $1,178,000 | 8,179 |
| Net interest income | $2,153,000 | 6,617 |
| Provision for loan and lease losses | $116,000 | 4,876 |
| Total noninterest income | $554,000 | 4,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 4,964 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $328,000 | 3,736 |
| Total noninterest expense | $2,105,000 | 5,452 |
| Salaries and employee benefits | $1,142,000 | 5,305 |
| Premises and equipment expense | $197,000 | 6,903 |
| Additional noninterest expense | $766,000 | 4,888 |
| Pre-tax net operating income | $486,000 | 7,998 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $131,000 | 7,903 |
| Income before extraordinary items | $357,000 | 7,936 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $357,000 | 7,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,525 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $355,540 | 7,900 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,985,000 | 8,017 |
| Total interest expense | $1,058,000 | 8,825 |
| Net interest income | $1,927,000 | 7,302 |
| Provision for loan and lease losses | $205,000 | 3,345 |
| Total noninterest income | $496,000 | 5,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 4,922 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $253,000 | 4,500 |
| Total noninterest expense | $1,822,000 | 6,332 |
| Salaries and employee benefits | $1,031,000 | 5,865 |
| Premises and equipment expense | $196,000 | 7,094 |
| Additional noninterest expense | $595,000 | 6,383 |
| Pre-tax net operating income | $396,000 | 8,529 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $153,000 | 7,833 |
| Income before extraordinary items | $251,000 | 8,830 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $251,000 | 8,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,230 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $245,880 | 8,815 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,481,000 | 9,000 |
| Total interest expense | $970,000 | 9,359 |
| Net interest income | $1,511,000 | 8,500 |
| Provision for loan and lease losses | $56,000 | 5,991 |
| Total noninterest income | $374,000 | 6,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,690 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,545 |
| Total noninterest expense | $1,569,000 | 7,068 |
| Salaries and employee benefits | $924,000 | 6,439 |
| Premises and equipment expense | $174,000 | 7,727 |
| Additional noninterest expense | $471,000 | 7,511 |
| Pre-tax net operating income | $260,000 | 10,042 |
| Securities gains (losses) | $-10,000 | 10,097 |
| Applicable income taxes | $72,000 | 9,749 |
| Income before extraordinary items | $178,000 | 10,185 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $178,000 | 10,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $185,100 | 10,076 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,798,000 | 10,176 |
| Total interest expense | $634,000 | 10,431 |
| Net interest income | $1,164,000 | 9,852 |
| Provision for loan and lease losses | $55,000 | 5,922 |
| Total noninterest income | $243,000 | 8,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 7,744 |
| Total noninterest expense | $1,215,000 | 8,550 |
| Salaries and employee benefits | $666,000 | 8,148 |
| Premises and equipment expense | $135,000 | 8,947 |
| Additional noninterest expense | $414,000 | 8,687 |
| Pre-tax net operating income | $137,000 | 11,367 |
| Securities gains (losses) | $-8,000 | 9,681 |
| Applicable income taxes | $26,000 | 11,018 |
| Income before extraordinary items | $103,000 | 11,361 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $103,000 | 11,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $84,000 | 7,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $109,400 | 11,339 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,593,000 | 11,006 |
| Total interest expense | $527,000 | 11,552 |
| Net interest income | $1,066,000 | 10,545 |
| Provision for loan and lease losses | $110,000 | 5,504 |
| Total noninterest income | $222,000 | 8,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,389 |
| Total noninterest expense | $841,000 | 10,464 |
| Salaries and employee benefits | $441,000 | 10,241 |
| Premises and equipment expense | $87,000 | 10,896 |
| Additional noninterest expense | $313,000 | 10,275 |
| Pre-tax net operating income | $337,000 | 9,915 |
| Securities gains (losses) | $40,000 | 3,728 |
| Applicable income taxes | $99,000 | 9,774 |
| Income before extraordinary items | $278,000 | 9,714 |
| Extraordinary gains, net | $-84,000 | 12,878 |
| Net income | $194,000 | 10,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 5,302 |
| Cash dividends | $84,000 | 7,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $248,400 | 9,815 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,568,000 | 11,806 |
| Total interest expense | $592,000 | 12,327 |
| Net interest income | $976,000 | 11,191 |
| Provision for loan and lease losses | $20,000 | 10,574 |
| Total noninterest income | $218,000 | 9,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 10,222 |
| Total noninterest expense | $767,000 | 11,167 |
| Salaries and employee benefits | $395,000 | 10,921 |
| Premises and equipment expense | $78,000 | 11,557 |
| Additional noninterest expense | $294,000 | 10,909 |
| Pre-tax net operating income | $407,000 | 9,173 |
| Securities gains (losses) | $-32,000 | 13,593 |
| Applicable income taxes | $126,000 | 9,216 |
| Income before extraordinary items | $249,000 | 9,934 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $249,000 | 10,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 8,508 |
| Cash dividends | $78,000 | 7,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $270,120 | 9,304 |
* 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.