Home > Independent Bank > Income and Expense
Independent Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,461,000 | 5,027 |
| Total interest expense | $1,869,000 | 4,741 |
| Net interest income | $2,592,000 | 5,136 |
| Provision for loan and lease losses | $80,000 | 4,494 |
| Total noninterest income | $579,000 | 4,148 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $130,000 | 5,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $448,000 | 3,029 |
| Total noninterest expense | $2,601,000 | 4,416 |
| Salaries and employee benefits | $1,439,000 | 4,381 |
| Premises and equipment expense | $342,000 | 4,527 |
| Additional noninterest expense | $820,000 | 4,197 |
| Pre-tax net operating income | $490,000 | 6,256 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $72,000 | 5,197 |
| Income before extraordinary items | $418,000 | 6,150 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $418,000 | 6,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,531 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $418,000 | 6,148 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,915,000 | 5,052 |
| Total interest expense | $1,193,000 | 4,733 |
| Net interest income | $1,722,000 | 5,173 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $384,000 | 4,145 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $82,000 | 5,431 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $302,000 | 3,003 |
| Total noninterest expense | $1,782,000 | 4,337 |
| Salaries and employee benefits | $977,000 | 4,337 |
| Premises and equipment expense | $234,000 | 4,456 |
| Additional noninterest expense | $571,000 | 4,067 |
| Pre-tax net operating income | $264,000 | 6,683 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $23,000 | 5,728 |
| Income before extraordinary items | $241,000 | 6,435 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $241,000 | 6,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 1,076 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $241,000 | 6,442 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,424,000 | 5,070 |
| Total interest expense | $563,000 | 4,772 |
| Net interest income | $861,000 | 5,179 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $175,000 | 4,277 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $137,000 | 3,134 |
| Total noninterest expense | $894,000 | 4,339 |
| Salaries and employee benefits | $472,000 | 4,463 |
| Premises and equipment expense | $120,000 | 4,409 |
| Additional noninterest expense | $302,000 | 3,867 |
| Pre-tax net operating income | $112,000 | 6,911 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $4,000 | 6,184 |
| Income before extraordinary items | $108,000 | 6,599 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $108,000 | 6,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 582 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $108,000 | 6,595 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,421,000 | 4,900 |
| Total interest expense | $1,688,000 | 4,938 |
| Net interest income | $3,733,000 | 4,834 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $807,000 | 4,018 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $144,000 | 5,683 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $662,000 | 2,865 |
| Total noninterest expense | $3,391,000 | 4,399 |
| Salaries and employee benefits | $1,945,000 | 4,205 |
| Premises and equipment expense | $474,000 | 4,335 |
| Additional noninterest expense | $972,000 | 4,513 |
| Pre-tax net operating income | $849,000 | 5,747 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $66,000 | 5,674 |
| Income before extraordinary items | $783,000 | 5,388 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $783,000 | 5,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,087 |
| Cash dividends | $331,000 | 4,250 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $783,000 | 5,366 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,991,000 | 4,923 |
| Total interest expense | $1,185,000 | 4,966 |
| Net interest income | $2,806,000 | 4,832 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $636,000 | 3,940 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $109,000 | 5,703 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $526,000 | 2,779 |
| Total noninterest expense | $2,607,000 | 4,282 |
| Salaries and employee benefits | $1,507,000 | 4,078 |
| Premises and equipment expense | $375,000 | 4,165 |
| Additional noninterest expense | $725,000 | 4,519 |
| Pre-tax net operating income | $745,000 | 5,518 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $133,000 | 4,952 |
| Income before extraordinary items | $612,000 | 5,398 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $612,000 | 5,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-127,000 | 8,675 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $612,000 | 5,366 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,614,000 | 4,913 |
| Total interest expense | $735,000 | 5,004 |
| Net interest income | $1,879,000 | 4,796 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $436,000 | 3,837 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $73,000 | 5,656 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $362,000 | 2,715 |
| Total noninterest expense | $1,712,000 | 4,317 |
| Salaries and employee benefits | $973,000 | 4,157 |
| Premises and equipment expense | $265,000 | 3,962 |
| Additional noninterest expense | $474,000 | 4,557 |
| Pre-tax net operating income | $543,000 | 5,263 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $102,000 | 4,792 |
| Income before extraordinary items | $441,000 | 5,202 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $441,000 | 5,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,903 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $441,000 | 5,149 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,293,000 | 4,937 |
| Total interest expense | $342,000 | 5,115 |
| Net interest income | $951,000 | 4,785 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $271,000 | 3,282 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $36,000 | 5,648 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $235,000 | 2,245 |
| Total noninterest expense | $898,000 | 4,172 |
| Salaries and employee benefits | $501,000 | 4,088 |
| Premises and equipment expense | $152,000 | 3,614 |
| Additional noninterest expense | $245,000 | 4,420 |
| Pre-tax net operating income | $294,000 | 5,045 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $57,000 | 4,604 |
| Income before extraordinary items | $237,000 | 4,999 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $237,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,867 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $237,000 | 4,960 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,803,000 | 4,980 |
| Total interest expense | $1,067,000 | 5,476 |
| Net interest income | $3,736,000 | 4,704 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $746,000 | 4,243 |
| Gross Fiduciary activities income | $1,000 | 1,536 |
| Service charges on deposit accounts | $153,000 | 5,736 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $592,000 | 3,014 |
| Total noninterest expense | $3,590,000 | 4,092 |
| Salaries and employee benefits | $2,074,000 | 3,880 |
| Premises and equipment expense | $360,000 | 5,113 |
| Additional noninterest expense | $1,156,000 | 3,867 |
| Pre-tax net operating income | $772,000 | 5,877 |
| Securities gains (losses) | $47,000 | 1,791 |
| Applicable income taxes | $50,000 | 6,036 |
| Income before extraordinary items | $769,000 | 5,353 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $769,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,235 |
| Cash dividends | $785,000 | 2,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $724,820 | 5,423 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,506,000 | 5,055 |
| Total interest expense | $772,000 | 5,548 |
| Net interest income | $2,734,000 | 4,764 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $542,000 | 4,327 |
| Gross Fiduciary activities income | $1,000 | 1,478 |
| Service charges on deposit accounts | $114,000 | 5,801 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $427,000 | 3,083 |
| Total noninterest expense | $2,621,000 | 4,148 |
| Salaries and employee benefits | $1,547,000 | 3,865 |
| Premises and equipment expense | $236,000 | 5,519 |
| Additional noninterest expense | $838,000 | 3,945 |
| Pre-tax net operating income | $565,000 | 6,041 |
| Securities gains (losses) | $47,000 | 1,709 |
| Applicable income taxes | $79,000 | 5,602 |
| Income before extraordinary items | $533,000 | 5,655 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $533,000 | 5,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 1,687 |
| Cash dividends | $400,000 | 3,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $492,110 | 5,776 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,292,000 | 5,116 |
| Total interest expense | $512,000 | 5,587 |
| Net interest income | $1,780,000 | 4,836 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $374,000 | 4,265 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $76,000 | 5,812 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $298,000 | 2,996 |
| Total noninterest expense | $1,671,000 | 4,322 |
| Salaries and employee benefits | $1,001,000 | 3,972 |
| Premises and equipment expense | $150,000 | 5,660 |
| Additional noninterest expense | $520,000 | 4,186 |
| Pre-tax net operating income | $423,000 | 5,727 |
| Securities gains (losses) | $35,000 | 1,694 |
| Applicable income taxes | $66,000 | 5,342 |
| Income before extraordinary items | $392,000 | 5,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $392,000 | 5,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 1,340 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $361,900 | 5,503 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 5,178 |
| Total interest expense | $269,000 | 5,504 |
| Net interest income | $859,000 | 4,959 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $180,000 | 4,320 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $38,000 | 5,782 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $142,000 | 3,033 |
| Total noninterest expense | $849,000 | 4,292 |
| Salaries and employee benefits | $518,000 | 3,895 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $253,000 | 4,280 |
| Pre-tax net operating income | $160,000 | 6,310 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $154,000 | 5,949 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $154,000 | 5,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $154,000 | 5,822 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,849,000 | 4,999 |
| Total interest expense | $1,336,000 | 5,245 |
| Net interest income | $3,513,000 | 4,783 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $1,163,000 | 3,370 |
| Gross Fiduciary activities income | $2,000 | 1,536 |
| Service charges on deposit accounts | $179,000 | 5,496 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $982,000 | 2,417 |
| Total noninterest expense | $3,156,000 | 4,454 |
| Salaries and employee benefits | $1,875,000 | 4,133 |
| Premises and equipment expense | $282,000 | 5,852 |
| Additional noninterest expense | $999,000 | 4,279 |
| Pre-tax net operating income | $1,400,000 | 4,310 |
| Securities gains (losses) | $107,000 | 1,824 |
| Applicable income taxes | $372,000 | 3,924 |
| Income before extraordinary items | $1,135,000 | 4,279 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,135,000 | 4,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,259 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,054,750 | 4,323 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,663,000 | 5,029 |
| Total interest expense | $1,082,000 | 5,130 |
| Net interest income | $2,581,000 | 4,859 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $855,000 | 3,483 |
| Gross Fiduciary activities income | $2,000 | 1,482 |
| Service charges on deposit accounts | $135,000 | 5,524 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $718,000 | 2,518 |
| Total noninterest expense | $2,387,000 | 4,411 |
| Salaries and employee benefits | $1,469,000 | 3,987 |
| Premises and equipment expense | $200,000 | 6,009 |
| Additional noninterest expense | $718,000 | 4,397 |
| Pre-tax net operating income | $959,000 | 4,660 |
| Securities gains (losses) | $107,000 | 1,688 |
| Applicable income taxes | $236,000 | 4,379 |
| Income before extraordinary items | $830,000 | 4,494 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $830,000 | 4,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,467 |
| Cash dividends | $100,000 | 4,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $746,540 | 4,600 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,414,000 | 5,107 |
| Total interest expense | $770,000 | 5,043 |
| Net interest income | $1,644,000 | 5,005 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $596,000 | 3,365 |
| Gross Fiduciary activities income | $2,000 | 1,432 |
| Service charges on deposit accounts | $90,000 | 5,497 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $504,000 | 2,432 |
| Total noninterest expense | $1,541,000 | 4,498 |
| Salaries and employee benefits | $944,000 | 4,100 |
| Premises and equipment expense | $130,000 | 6,058 |
| Additional noninterest expense | $467,000 | 4,465 |
| Pre-tax net operating income | $639,000 | 4,662 |
| Securities gains (losses) | $107,000 | 1,456 |
| Applicable income taxes | $168,000 | 4,292 |
| Income before extraordinary items | $578,000 | 4,398 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $578,000 | 4,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,533 |
| Cash dividends | $100,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $495,610 | 4,615 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,257,000 | 4,987 |
| Total interest expense | $404,000 | 5,012 |
| Net interest income | $853,000 | 4,863 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $282,000 | 3,384 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $44,000 | 5,485 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $238,000 | 2,432 |
| Total noninterest expense | $799,000 | 4,375 |
| Salaries and employee benefits | $502,000 | 3,887 |
| Premises and equipment expense | $61,000 | 6,231 |
| Additional noninterest expense | $236,000 | 4,401 |
| Pre-tax net operating income | $306,000 | 4,736 |
| Securities gains (losses) | $107,000 | 960 |
| Applicable income taxes | $102,000 | 3,894 |
| Income before extraordinary items | $311,000 | 4,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $311,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,251 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $230,750 | 4,747 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,469,000 | 4,862 |
| Total interest expense | $2,030,000 | 4,745 |
| Net interest income | $3,439,000 | 4,813 |
| Provision for loan and lease losses | $36,000 | 7,011 |
| Total noninterest income | $939,000 | 3,619 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $147,000 | 5,870 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $787,000 | 2,527 |
| Total noninterest expense | $2,879,000 | 4,592 |
| Salaries and employee benefits | $1,708,000 | 4,256 |
| Premises and equipment expense | $226,000 | 6,443 |
| Additional noninterest expense | $945,000 | 4,370 |
| Pre-tax net operating income | $1,463,000 | 4,187 |
| Securities gains (losses) | $43,000 | 2,542 |
| Applicable income taxes | $381,000 | 3,981 |
| Income before extraordinary items | $1,125,000 | 4,265 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,125,000 | 4,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,825 |
| Cash dividends | $850,000 | 2,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,092,750 | 4,237 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,307,000 | 4,786 |
| Total interest expense | $3,087,000 | 4,616 |
| Net interest income | $3,220,000 | 4,822 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $869,000 | 3,652 |
| Gross Fiduciary activities income | $5,000 | 1,541 |
| Service charges on deposit accounts | $148,000 | 5,823 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $716,000 | 2,543 |
| Total noninterest expense | $2,614,000 | 4,811 |
| Salaries and employee benefits | $1,533,000 | 4,440 |
| Premises and equipment expense | $210,000 | 6,654 |
| Additional noninterest expense | $871,000 | 4,501 |
| Pre-tax net operating income | $1,439,000 | 3,966 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $286,000 | 4,366 |
| Income before extraordinary items | $1,153,000 | 3,906 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,153,000 | 3,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,192 |
| Cash dividends | $50,000 | 6,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,153,000 | 3,776 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,476,000 | 4,846 |
| Total interest expense | $3,120,000 | 4,766 |
| Net interest income | $3,356,000 | 4,762 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $629,000 | 4,287 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $470,000 | 3,051 |
| Total noninterest expense | $2,399,000 | 4,993 |
| Salaries and employee benefits | $1,420,000 | 4,562 |
| Premises and equipment expense | $251,000 | 6,034 |
| Additional noninterest expense | $728,000 | 5,044 |
| Pre-tax net operating income | $1,550,000 | 3,984 |
| Securities gains (losses) | $4,000 | 1,432 |
| Applicable income taxes | $563,000 | 3,239 |
| Income before extraordinary items | $991,000 | 4,413 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $991,000 | 4,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,825 |
| Cash dividends | $848,000 | 2,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $988,440 | 4,418 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,596,000 | 5,177 |
| Total interest expense | $2,352,000 | 5,416 |
| Net interest income | $3,244,000 | 4,888 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $566,000 | 4,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 5,471 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $392,000 | 3,473 |
| Total noninterest expense | $2,431,000 | 4,981 |
| Salaries and employee benefits | $1,521,000 | 4,290 |
| Premises and equipment expense | $252,000 | 6,012 |
| Additional noninterest expense | $658,000 | 5,481 |
| Pre-tax net operating income | $1,379,000 | 4,346 |
| Securities gains (losses) | $36,000 | 1,115 |
| Applicable income taxes | $472,000 | 3,751 |
| Income before extraordinary items | $943,000 | 4,603 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $943,000 | 4,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,102 |
| Cash dividends | $301,000 | 4,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $918,880 | 4,645 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,627,000 | 5,216 |
| Total interest expense | $2,584,000 | 5,243 |
| Net interest income | $3,043,000 | 5,089 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $731,000 | 3,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $535,000 | 2,858 |
| Total noninterest expense | $2,351,000 | 4,971 |
| Salaries and employee benefits | $1,507,000 | 4,221 |
| Premises and equipment expense | $252,000 | 5,932 |
| Additional noninterest expense | $592,000 | 5,801 |
| Pre-tax net operating income | $1,393,000 | 4,418 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $549,000 | 3,618 |
| Income before extraordinary items | $854,000 | 4,984 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $854,000 | 4,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $294,000 | 4,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $847,600 | 4,922 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,327,000 | 5,544 |
| Total interest expense | $2,526,000 | 5,369 |
| Net interest income | $2,801,000 | 5,576 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $618,000 | 4,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,659 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $438,000 | 3,096 |
| Total noninterest expense | $2,170,000 | 5,336 |
| Salaries and employee benefits | $1,372,000 | 4,584 |
| Premises and equipment expense | $274,000 | 5,744 |
| Additional noninterest expense | $524,000 | 6,320 |
| Pre-tax net operating income | $1,189,000 | 5,275 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $443,000 | 4,580 |
| Income before extraordinary items | $750,000 | 5,679 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $750,000 | 5,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,879 |
| Cash dividends | $191,000 | 5,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $747,440 | 5,644 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,232,000 | 5,744 |
| Total interest expense | $2,434,000 | 5,622 |
| Net interest income | $2,798,000 | 5,729 |
| Provision for loan and lease losses | $48,000 | 6,700 |
| Total noninterest income | $481,000 | 5,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 5,700 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $289,000 | 4,163 |
| Total noninterest expense | $2,186,000 | 5,566 |
| Salaries and employee benefits | $1,383,000 | 4,627 |
| Premises and equipment expense | $292,000 | 5,694 |
| Additional noninterest expense | $511,000 | 6,965 |
| Pre-tax net operating income | $1,045,000 | 5,582 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $425,000 | 4,702 |
| Income before extraordinary items | $623,000 | 6,132 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $623,000 | 6,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $187,000 | 5,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $621,080 | 6,093 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,870,000 | 6,108 |
| Total interest expense | $2,333,000 | 5,835 |
| Net interest income | $2,537,000 | 6,247 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $480,000 | 5,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 5,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $295,000 | 4,038 |
| Total noninterest expense | $1,960,000 | 6,078 |
| Salaries and employee benefits | $1,136,000 | 5,461 |
| Premises and equipment expense | $285,000 | 5,860 |
| Additional noninterest expense | $539,000 | 6,952 |
| Pre-tax net operating income | $1,007,000 | 5,973 |
| Securities gains (losses) | $-24,000 | 10,683 |
| Applicable income taxes | $268,000 | 6,400 |
| Income before extraordinary items | $715,000 | 5,890 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $715,000 | 5,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $183,000 | 5,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $732,520 | 5,782 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,992,000 | 6,702 |
| Total interest expense | $1,714,000 | 6,297 |
| Net interest income | $2,278,000 | 6,904 |
| Provision for loan and lease losses | $22,000 | 7,672 |
| Total noninterest income | $426,000 | 5,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,044 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $235,000 | 4,759 |
| Total noninterest expense | $2,031,000 | 6,120 |
| Salaries and employee benefits | $1,271,000 | 4,984 |
| Premises and equipment expense | $220,000 | 7,054 |
| Additional noninterest expense | $540,000 | 7,514 |
| Pre-tax net operating income | $651,000 | 7,710 |
| Securities gains (losses) | $11,000 | 2,158 |
| Applicable income taxes | $196,000 | 7,404 |
| Income before extraordinary items | $466,000 | 7,568 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $466,000 | 7,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $179,000 | 5,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $458,300 | 7,679 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,036,000 | 6,841 |
| Total interest expense | $1,797,000 | 6,336 |
| Net interest income | $2,239,000 | 7,066 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $778,000 | 4,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $192,000 | 6,118 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $586,000 | 2,933 |
| Total noninterest expense | $2,063,000 | 6,167 |
| Salaries and employee benefits | $1,226,000 | 5,135 |
| Premises and equipment expense | $258,000 | 6,546 |
| Additional noninterest expense | $579,000 | 7,527 |
| Pre-tax net operating income | $918,000 | 6,265 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $168,000 | 8,248 |
| Income before extraordinary items | $759,000 | 5,779 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $759,000 | 5,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $179,000 | 5,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $751,620 | 5,572 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,482,000 | 6,923 |
| Total interest expense | $2,202,000 | 6,609 |
| Net interest income | $2,280,000 | 7,055 |
| Provision for loan and lease losses | $76,000 | 8,040 |
| Total noninterest income | $423,000 | 6,329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,609 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $253,000 | 4,922 |
| Total noninterest expense | $1,824,000 | 6,874 |
| Salaries and employee benefits | $1,085,000 | 5,641 |
| Premises and equipment expense | $255,000 | 6,685 |
| Additional noninterest expense | $484,000 | 8,610 |
| Pre-tax net operating income | $803,000 | 6,548 |
| Securities gains (losses) | $35,000 | 4,733 |
| Applicable income taxes | $295,000 | 5,996 |
| Income before extraordinary items | $543,000 | 6,968 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $543,000 | 7,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $172,000 | 5,467 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $520,250 | 6,790 |
* 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.