Home > Interchange Bank > Income and Expense
Interchange Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $92,525,000 | 449 |
| Total interest expense | $36,591,000 | 485 |
| Net interest income | $55,934,000 | 410 |
| Provision for loan and lease losses | $1,844,000 | 599 |
| Total noninterest income | $9,862,000 | 620 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,784,000 | 462 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,078,000 | 592 |
| Total noninterest expense | $58,915,000 | 328 |
| Salaries and employee benefits | $34,045,000 | 293 |
| Premises and equipment expense | $7,281,000 | 364 |
| Additional noninterest expense | $17,589,000 | 361 |
| Pre-tax net operating income | $5,037,000 | 1,862 |
| Securities gains (losses) | $147,000 | 454 |
| Applicable income taxes | $1,176,000 | 1,977 |
| Income before extraordinary items | $4,008,000 | 1,780 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,008,000 | 1,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $923,000 | 738 |
| Cash dividends | $27,900,000 | 192 |
| Sale, conversion, retirement of capital stock, net | $374,000 | 648 |
| Net operating income | $3,894,810 | 1,810 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $68,791,000 | 457 |
| Total interest expense | $26,879,000 | 492 |
| Net interest income | $41,912,000 | 428 |
| Provision for loan and lease losses | $450,000 | 1,514 |
| Total noninterest income | $7,347,000 | 632 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,829,000 | 464 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,518,000 | 599 |
| Total noninterest expense | $29,301,000 | 499 |
| Salaries and employee benefits | $16,091,000 | 462 |
| Premises and equipment expense | $5,561,000 | 363 |
| Additional noninterest expense | $7,649,000 | 553 |
| Pre-tax net operating income | $19,508,000 | 470 |
| Securities gains (losses) | $130,000 | 390 |
| Applicable income taxes | $5,560,000 | 498 |
| Income before extraordinary items | $14,078,000 | 470 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $14,078,000 | 469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $791,000 | 559 |
| Cash dividends | $6,300,000 | 421 |
| Sale, conversion, retirement of capital stock, net | $303,000 | 520 |
| Net operating income | $13,984,400 | 461 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $45,134,000 | 452 |
| Total interest expense | $16,982,000 | 491 |
| Net interest income | $28,152,000 | 429 |
| Provision for loan and lease losses | $300,000 | 1,464 |
| Total noninterest income | $5,150,000 | 606 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,900,000 | 457 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,250,000 | 567 |
| Total noninterest expense | $19,804,000 | 497 |
| Salaries and employee benefits | $10,863,000 | 465 |
| Premises and equipment expense | $3,746,000 | 364 |
| Additional noninterest expense | $5,195,000 | 540 |
| Pre-tax net operating income | $13,198,000 | 465 |
| Securities gains (losses) | $89,000 | 370 |
| Applicable income taxes | $3,732,000 | 501 |
| Income before extraordinary items | $9,555,000 | 458 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,555,000 | 457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 837 |
| Cash dividends | $4,200,000 | 435 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 590 |
| Net operating income | $9,490,920 | 450 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $22,016,000 | 451 |
| Total interest expense | $7,890,000 | 495 |
| Net interest income | $14,126,000 | 425 |
| Provision for loan and lease losses | $175,000 | 1,259 |
| Total noninterest income | $2,652,000 | 591 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $891,000 | 468 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,761,000 | 537 |
| Total noninterest expense | $9,694,000 | 502 |
| Salaries and employee benefits | $5,437,000 | 460 |
| Premises and equipment expense | $1,959,000 | 350 |
| Additional noninterest expense | $2,298,000 | 613 |
| Pre-tax net operating income | $6,909,000 | 446 |
| Securities gains (losses) | $23,000 | 452 |
| Applicable income taxes | $1,935,000 | 482 |
| Income before extraordinary items | $4,997,000 | 434 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,997,000 | 433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 512 |
| Cash dividends | $2,100,000 | 402 |
| Sale, conversion, retirement of capital stock, net | $-145,000 | 8,753 |
| Net operating income | $4,980,440 | 429 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $78,514,000 | 453 |
| Total interest expense | $22,707,000 | 526 |
| Net interest income | $55,807,000 | 421 |
| Provision for loan and lease losses | $925,000 | 1,121 |
| Total noninterest income | $9,891,000 | 633 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,587,000 | 474 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,304,000 | 586 |
| Total noninterest expense | $35,271,000 | 517 |
| Salaries and employee benefits | $19,325,000 | 488 |
| Premises and equipment expense | $6,849,000 | 372 |
| Additional noninterest expense | $9,097,000 | 610 |
| Pre-tax net operating income | $29,502,000 | 413 |
| Securities gains (losses) | $394,000 | 339 |
| Applicable income taxes | $9,184,000 | 422 |
| Income before extraordinary items | $20,712,000 | 405 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $20,712,000 | 405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,094,000 | 629 |
| Cash dividends | $11,900,000 | 335 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $20,440,140 | 399 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $56,916,000 | 452 |
| Total interest expense | $15,823,000 | 530 |
| Net interest income | $41,093,000 | 424 |
| Provision for loan and lease losses | $700,000 | 1,063 |
| Total noninterest income | $6,943,000 | 659 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,682,000 | 480 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,261,000 | 617 |
| Total noninterest expense | $27,263,000 | 502 |
| Salaries and employee benefits | $15,146,000 | 466 |
| Premises and equipment expense | $5,127,000 | 374 |
| Additional noninterest expense | $6,990,000 | 588 |
| Pre-tax net operating income | $20,073,000 | 448 |
| Securities gains (losses) | $394,000 | 312 |
| Applicable income taxes | $6,208,000 | 452 |
| Income before extraordinary items | $14,259,000 | 437 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $14,259,000 | 437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $338,000 | 1,153 |
| Cash dividends | $5,100,000 | 462 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $13,983,200 | 430 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $36,857,000 | 453 |
| Total interest expense | $9,784,000 | 536 |
| Net interest income | $27,073,000 | 423 |
| Provision for loan and lease losses | $400,000 | 1,185 |
| Total noninterest income | $4,352,000 | 686 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,771,000 | 471 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,581,000 | 662 |
| Total noninterest expense | $18,094,000 | 502 |
| Salaries and employee benefits | $9,908,000 | 470 |
| Premises and equipment expense | $3,437,000 | 368 |
| Additional noninterest expense | $4,749,000 | 579 |
| Pre-tax net operating income | $12,931,000 | 447 |
| Securities gains (losses) | $317,000 | 326 |
| Applicable income taxes | $4,050,000 | 456 |
| Income before extraordinary items | $9,198,000 | 439 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $9,198,000 | 439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,027 |
| Cash dividends | $3,400,000 | 460 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $8,979,270 | 434 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $18,005,000 | 449 |
| Total interest expense | $4,441,000 | 554 |
| Net interest income | $13,564,000 | 414 |
| Provision for loan and lease losses | $175,000 | 1,252 |
| Total noninterest income | $2,127,000 | 677 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $883,000 | 447 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,244,000 | 677 |
| Total noninterest expense | $9,069,000 | 494 |
| Salaries and employee benefits | $4,955,000 | 460 |
| Premises and equipment expense | $1,778,000 | 351 |
| Additional noninterest expense | $2,336,000 | 583 |
| Pre-tax net operating income | $6,447,000 | 439 |
| Securities gains (losses) | $67,000 | 473 |
| Applicable income taxes | $2,009,000 | 460 |
| Income before extraordinary items | $4,505,000 | 442 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,505,000 | 442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,154 |
| Cash dividends | $1,701,000 | 425 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $4,458,770 | 431 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $66,112,000 | 453 |
| Total interest expense | $13,654,000 | 607 |
| Net interest income | $52,458,000 | 415 |
| Provision for loan and lease losses | $1,200,000 | 884 |
| Total noninterest income | $10,015,000 | 609 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,753,000 | 477 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,262,000 | 558 |
| Total noninterest expense | $35,706,000 | 497 |
| Salaries and employee benefits | $19,462,000 | 466 |
| Premises and equipment expense | $6,592,000 | 362 |
| Additional noninterest expense | $9,652,000 | 569 |
| Pre-tax net operating income | $25,567,000 | 417 |
| Securities gains (losses) | $1,140,000 | 257 |
| Applicable income taxes | $8,481,000 | 406 |
| Income before extraordinary items | $18,226,000 | 414 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $18,226,000 | 415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,044,000 | 751 |
| Cash dividends | $11,709,000 | 322 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $17,450,800 | 414 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $48,557,000 | 451 |
| Total interest expense | $9,615,000 | 630 |
| Net interest income | $38,942,000 | 411 |
| Provision for loan and lease losses | $975,000 | 797 |
| Total noninterest income | $7,104,000 | 643 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,778,000 | 495 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,326,000 | 612 |
| Total noninterest expense | $26,740,000 | 490 |
| Salaries and employee benefits | $14,541,000 | 471 |
| Premises and equipment expense | $4,963,000 | 361 |
| Additional noninterest expense | $7,236,000 | 568 |
| Pre-tax net operating income | $18,331,000 | 425 |
| Securities gains (losses) | $982,000 | 273 |
| Applicable income taxes | $6,055,000 | 421 |
| Income before extraordinary items | $13,258,000 | 423 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $13,258,000 | 424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $819,000 | 660 |
| Cash dividends | $10,110,000 | 267 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $12,580,420 | 426 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $31,673,000 | 456 |
| Total interest expense | $6,199,000 | 637 |
| Net interest income | $25,474,000 | 414 |
| Provision for loan and lease losses | $675,000 | 756 |
| Total noninterest income | $4,388,000 | 684 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,777,000 | 506 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,611,000 | 671 |
| Total noninterest expense | $17,550,000 | 492 |
| Salaries and employee benefits | $9,512,000 | 475 |
| Premises and equipment expense | $3,312,000 | 357 |
| Additional noninterest expense | $4,726,000 | 561 |
| Pre-tax net operating income | $11,637,000 | 438 |
| Securities gains (losses) | $819,000 | 245 |
| Applicable income taxes | $3,946,000 | 435 |
| Income before extraordinary items | $8,510,000 | 434 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,510,000 | 434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $528,000 | 673 |
| Cash dividends | $6,708,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $7,953,080 | 433 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $15,671,000 | 464 |
| Total interest expense | $3,137,000 | 640 |
| Net interest income | $12,534,000 | 423 |
| Provision for loan and lease losses | $375,000 | 665 |
| Total noninterest income | $2,001,000 | 716 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $842,000 | 515 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,159,000 | 712 |
| Total noninterest expense | $8,839,000 | 496 |
| Salaries and employee benefits | $4,847,000 | 470 |
| Premises and equipment expense | $1,699,000 | 356 |
| Additional noninterest expense | $2,293,000 | 571 |
| Pre-tax net operating income | $5,321,000 | 460 |
| Securities gains (losses) | $514,000 | 257 |
| Applicable income taxes | $1,771,000 | 473 |
| Income before extraordinary items | $4,064,000 | 454 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $4,064,000 | 453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 516 |
| Cash dividends | $6,709,000 | 149 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,704,200 | 449 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $60,269,000 | 478 |
| Total interest expense | $13,874,000 | 644 |
| Net interest income | $46,395,000 | 437 |
| Provision for loan and lease losses | $1,815,000 | 701 |
| Total noninterest income | $9,851,000 | 661 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,485,000 | 493 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,366,000 | 632 |
| Total noninterest expense | $31,015,000 | 558 |
| Salaries and employee benefits | $16,994,000 | 514 |
| Premises and equipment expense | $5,904,000 | 406 |
| Additional noninterest expense | $8,117,000 | 665 |
| Pre-tax net operating income | $23,416,000 | 424 |
| Securities gains (losses) | $793,000 | 561 |
| Applicable income taxes | $7,618,000 | 452 |
| Income before extraordinary items | $16,591,000 | 435 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $16,591,000 | 436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,310,000 | 744 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $16,043,830 | 422 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $44,617,000 | 496 |
| Total interest expense | $10,572,000 | 664 |
| Net interest income | $34,045,000 | 457 |
| Provision for loan and lease losses | $1,280,000 | 731 |
| Total noninterest income | $7,303,000 | 699 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,559,000 | 509 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,744,000 | 665 |
| Total noninterest expense | $22,815,000 | 574 |
| Salaries and employee benefits | $12,528,000 | 533 |
| Premises and equipment expense | $4,283,000 | 429 |
| Additional noninterest expense | $6,004,000 | 674 |
| Pre-tax net operating income | $17,253,000 | 437 |
| Securities gains (losses) | $520,000 | 670 |
| Applicable income taxes | $5,554,000 | 470 |
| Income before extraordinary items | $12,219,000 | 461 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $12,219,000 | 462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,061,000 | 666 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $11,860,200 | 437 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $28,651,000 | 521 |
| Total interest expense | $7,200,000 | 665 |
| Net interest income | $21,451,000 | 480 |
| Provision for loan and lease losses | $795,000 | 772 |
| Total noninterest income | $4,470,000 | 734 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,560,000 | 556 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,910,000 | 686 |
| Total noninterest expense | $14,122,000 | 608 |
| Salaries and employee benefits | $7,820,000 | 563 |
| Premises and equipment expense | $2,629,000 | 456 |
| Additional noninterest expense | $3,673,000 | 717 |
| Pre-tax net operating income | $11,004,000 | 451 |
| Securities gains (losses) | $18,000 | 2,668 |
| Applicable income taxes | $3,379,000 | 509 |
| Income before extraordinary items | $7,643,000 | 493 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,643,000 | 493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 1,004 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $7,630,580 | 458 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $13,450,000 | 566 |
| Total interest expense | $3,598,000 | 675 |
| Net interest income | $9,852,000 | 509 |
| Provision for loan and lease losses | $265,000 | 1,059 |
| Total noninterest income | $1,844,000 | 832 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $653,000 | 631 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,191,000 | 787 |
| Total noninterest expense | $6,490,000 | 646 |
| Salaries and employee benefits | $3,628,000 | 607 |
| Premises and equipment expense | $1,166,000 | 521 |
| Additional noninterest expense | $1,696,000 | 747 |
| Pre-tax net operating income | $4,941,000 | 502 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,548,000 | 549 |
| Income before extraordinary items | $3,393,000 | 527 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,393,000 | 526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 819 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,393,000 | 496 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $56,500,000 | 563 |
| Total interest expense | $17,477,000 | 649 |
| Net interest income | $39,023,000 | 516 |
| Provision for loan and lease losses | $1,500,000 | 941 |
| Total noninterest income | $6,512,000 | 842 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,581,000 | 630 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,931,000 | 821 |
| Total noninterest expense | $25,451,000 | 644 |
| Salaries and employee benefits | $13,672,000 | 600 |
| Premises and equipment expense | $4,562,000 | 507 |
| Additional noninterest expense | $7,217,000 | 715 |
| Pre-tax net operating income | $18,584,000 | 498 |
| Securities gains (losses) | $564,000 | 618 |
| Applicable income taxes | $6,096,000 | 503 |
| Income before extraordinary items | $13,052,000 | 516 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $13,052,000 | 519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $863,000 | 1,097 |
| Cash dividends | $3,106,000 | 902 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $12,668,480 | 504 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $57,402,000 | 613 |
| Total interest expense | $23,444,000 | 715 |
| Net interest income | $33,958,000 | 550 |
| Provision for loan and lease losses | $1,075,000 | 1,184 |
| Total noninterest income | $5,443,000 | 918 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,459,000 | 617 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,984,000 | 948 |
| Total noninterest expense | $22,741,000 | 689 |
| Salaries and employee benefits | $12,353,000 | 623 |
| Premises and equipment expense | $4,432,000 | 504 |
| Additional noninterest expense | $5,956,000 | 835 |
| Pre-tax net operating income | $15,585,000 | 525 |
| Securities gains (losses) | $232,000 | 1,077 |
| Applicable income taxes | $5,048,000 | 541 |
| Income before extraordinary items | $10,769,000 | 549 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $10,769,000 | 550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $660,000 | 1,267 |
| Cash dividends | $6,467,000 | 500 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $10,611,240 | 527 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $55,868,000 | 658 |
| Total interest expense | $24,227,000 | 756 |
| Net interest income | $31,641,000 | 592 |
| Provision for loan and lease losses | $750,000 | 1,331 |
| Total noninterest income | $3,899,000 | 1,091 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,386,000 | 558 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,513,000 | 1,370 |
| Total noninterest expense | $21,055,000 | 727 |
| Salaries and employee benefits | $11,034,000 | 648 |
| Premises and equipment expense | $3,995,000 | 557 |
| Additional noninterest expense | $6,026,000 | 825 |
| Pre-tax net operating income | $13,735,000 | 601 |
| Securities gains (losses) | $312,000 | 338 |
| Applicable income taxes | $4,592,000 | 580 |
| Income before extraordinary items | $9,455,000 | 597 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,455,000 | 597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,135 |
| Cash dividends | $8,587,000 | 427 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,245,960 | 605 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $49,385,000 | 708 |
| Total interest expense | $18,783,000 | 838 |
| Net interest income | $30,602,000 | 623 |
| Provision for loan and lease losses | $1,200,000 | 831 |
| Total noninterest income | $4,727,000 | 985 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,300,000 | 577 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,427,000 | 1,012 |
| Total noninterest expense | $19,901,000 | 766 |
| Salaries and employee benefits | $10,265,000 | 686 |
| Premises and equipment expense | $3,744,000 | 597 |
| Additional noninterest expense | $5,892,000 | 857 |
| Pre-tax net operating income | $14,228,000 | 622 |
| Securities gains (losses) | $145,000 | 624 |
| Applicable income taxes | $4,959,000 | 603 |
| Income before extraordinary items | $9,414,000 | 652 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,414,000 | 653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,369,000 | 580 |
| Cash dividends | $8,641,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $9,319,750 | 643 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $48,783,000 | 694 |
| Total interest expense | $19,864,000 | 816 |
| Net interest income | $28,919,000 | 619 |
| Provision for loan and lease losses | $951,000 | 1,016 |
| Total noninterest income | $4,325,000 | 1,041 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $2,551,000 | 507 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,774,000 | 1,254 |
| Total noninterest expense | $19,230,000 | 770 |
| Salaries and employee benefits | $9,437,000 | 718 |
| Premises and equipment expense | $3,440,000 | 629 |
| Additional noninterest expense | $6,353,000 | 812 |
| Pre-tax net operating income | $13,063,000 | 635 |
| Securities gains (losses) | $145,000 | 1,067 |
| Applicable income taxes | $4,908,000 | 592 |
| Income before extraordinary items | $8,300,000 | 695 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $8,300,000 | 695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $537,000 | 1,194 |
| Cash dividends | $2,580,000 | 1,090 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 976 |
| Net operating income | $8,207,200 | 669 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $40,139,000 | 852 |
| Total interest expense | $15,533,000 | 1,054 |
| Net interest income | $24,606,000 | 739 |
| Provision for loan and lease losses | $1,630,000 | 687 |
| Total noninterest income | $4,916,000 | 939 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,920,000 | 663 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,996,000 | 842 |
| Total noninterest expense | $15,977,000 | 889 |
| Salaries and employee benefits | $8,188,000 | 821 |
| Premises and equipment expense | $2,702,000 | 756 |
| Additional noninterest expense | $5,087,000 | 950 |
| Pre-tax net operating income | $11,915,000 | 707 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $4,068,000 | 712 |
| Income before extraordinary items | $7,847,000 | 721 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,847,000 | 722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $390,000 | 1,632 |
| Cash dividends | $3,799,000 | 787 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,847,000 | 706 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $37,284,000 | 940 |
| Total interest expense | $14,599,000 | 1,118 |
| Net interest income | $22,685,000 | 821 |
| Provision for loan and lease losses | $700,000 | 1,321 |
| Total noninterest income | $4,191,000 | 1,074 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,579,000 | 842 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,612,000 | 969 |
| Total noninterest expense | $16,382,000 | 933 |
| Salaries and employee benefits | $7,643,000 | 891 |
| Premises and equipment expense | $2,920,000 | 750 |
| Additional noninterest expense | $5,819,000 | 1,007 |
| Pre-tax net operating income | $9,794,000 | 801 |
| Securities gains (losses) | $242,000 | 625 |
| Applicable income taxes | $3,456,000 | 777 |
| Income before extraordinary items | $6,580,000 | 820 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,580,000 | 821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $694,000 | 1,119 |
| Cash dividends | $3,399,000 | 872 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,420,280 | 817 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $36,995,000 | 964 |
| Total interest expense | $15,150,000 | 1,112 |
| Net interest income | $21,845,000 | 866 |
| Provision for loan and lease losses | $1,200,000 | 822 |
| Total noninterest income | $4,735,000 | 992 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,474,000 | 904 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $3,261,000 | 847 |
| Total noninterest expense | $15,726,000 | 969 |
| Salaries and employee benefits | $7,254,000 | 940 |
| Premises and equipment expense | $2,777,000 | 809 |
| Additional noninterest expense | $5,695,000 | 1,014 |
| Pre-tax net operating income | $9,654,000 | 853 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $3,293,000 | 847 |
| Income before extraordinary items | $6,377,000 | 875 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,377,000 | 874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,392,000 | 719 |
| Cash dividends | $3,627,000 | 817 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $6,366,440 | 862 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $32,612,000 | 979 |
| Total interest expense | $11,006,000 | 1,190 |
| Net interest income | $21,606,000 | 862 |
| Provision for loan and lease losses | $944,000 | 970 |
| Total noninterest income | $3,787,000 | 1,133 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,496,000 | 868 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,291,000 | 1,033 |
| Total noninterest expense | $15,733,000 | 973 |
| Salaries and employee benefits | $6,879,000 | 994 |
| Premises and equipment expense | $2,540,000 | 862 |
| Additional noninterest expense | $6,314,000 | 978 |
| Pre-tax net operating income | $8,716,000 | 894 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $3,062,000 | 857 |
| Income before extraordinary items | $5,650,000 | 917 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,650,000 | 914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,010,000 | 858 |
| Cash dividends | $2,000,000 | 1,095 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,652,600 | 925 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $29,257,000 | 1,083 |
| Total interest expense | $10,237,000 | 1,311 |
| Net interest income | $19,020,000 | 963 |
| Provision for loan and lease losses | $905,000 | 1,392 |
| Total noninterest income | $4,871,000 | 1,000 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,300,000 | 1,013 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,571,000 | 855 |
| Total noninterest expense | $15,003,000 | 1,057 |
| Salaries and employee benefits | $6,382,000 | 1,080 |
| Premises and equipment expense | $2,528,000 | 885 |
| Additional noninterest expense | $6,093,000 | 1,083 |
| Pre-tax net operating income | $7,983,000 | 912 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $2,887,000 | 888 |
| Income before extraordinary items | $5,097,000 | 1,009 |
| Extraordinary gains, net | $-205,000 | 13,051 |
| Net income | $4,892,000 | 1,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,100,000 | 1,086 |
| Cash dividends | $2,587,000 | 811 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,096,360 | 947 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $31,259,000 | 1,172 |
| Total interest expense | $14,380,000 | 1,225 |
| Net interest income | $16,879,000 | 1,099 |
| Provision for loan and lease losses | $2,237,000 | 1,059 |
| Total noninterest income | $4,630,000 | 1,044 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,267,000 | 1,029 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,363,000 | 879 |
| Total noninterest expense | $13,629,000 | 1,158 |
| Salaries and employee benefits | $5,692,000 | 1,174 |
| Premises and equipment expense | $2,332,000 | 985 |
| Additional noninterest expense | $5,605,000 | 1,192 |
| Pre-tax net operating income | $5,643,000 | 1,151 |
| Securities gains (losses) | $568,000 | 982 |
| Applicable income taxes | $2,473,000 | 941 |
| Income before extraordinary items | $3,738,000 | 1,252 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,738,000 | 1,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,703,000 | 1,079 |
| Cash dividends | $1,454,000 | 1,132 |
| Sale, conversion, retirement of capital stock, net | $8,773,000 | 105 |
| Net operating income | $3,374,480 | 1,277 |
* 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.