Home > James Monroe Bank > Income and Expense
James Monroe Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,960,000 | 1,143 |
| Total interest expense | $7,204,000 | 1,074 |
| Net interest income | $9,756,000 | 1,159 |
| Provision for loan and lease losses | $356,000 | 1,289 |
| Total noninterest income | $868,000 | 2,460 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $236,000 | 3,180 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $632,000 | 1,887 |
| Total noninterest expense | $7,450,000 | 1,232 |
| Salaries and employee benefits | $4,923,000 | 999 |
| Premises and equipment expense | $987,000 | 1,317 |
| Additional noninterest expense | $1,540,000 | 1,720 |
| Pre-tax net operating income | $2,818,000 | 1,752 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $978,000 | 1,425 |
| Income before extraordinary items | $1,840,000 | 1,977 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,840,000 | 1,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,840,000 | 1,962 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,141,000 | 1,171 |
| Total interest expense | $3,299,000 | 1,103 |
| Net interest income | $4,842,000 | 1,163 |
| Provision for loan and lease losses | $207,000 | 1,108 |
| Total noninterest income | $390,000 | 2,590 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $114,000 | 3,181 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $276,000 | 2,050 |
| Total noninterest expense | $3,311,000 | 1,370 |
| Salaries and employee benefits | $2,043,000 | 1,216 |
| Premises and equipment expense | $503,000 | 1,292 |
| Additional noninterest expense | $765,000 | 1,713 |
| Pre-tax net operating income | $1,714,000 | 1,445 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $599,000 | 1,200 |
| Income before extraordinary items | $1,115,000 | 1,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,115,000 | 1,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,115,000 | 1,593 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $26,978,000 | 1,241 |
| Total interest expense | $8,772,000 | 1,296 |
| Net interest income | $18,206,000 | 1,179 |
| Provision for loan and lease losses | $1,167,000 | 914 |
| Total noninterest income | $1,614,000 | 2,566 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $345,000 | 3,873 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,269,000 | 1,880 |
| Total noninterest expense | $11,769,000 | 1,464 |
| Salaries and employee benefits | $7,145,000 | 1,298 |
| Premises and equipment expense | $1,894,000 | 1,300 |
| Additional noninterest expense | $2,730,000 | 1,855 |
| Pre-tax net operating income | $6,884,000 | 1,393 |
| Securities gains (losses) | $7,000 | 1,594 |
| Applicable income taxes | $2,355,000 | 1,197 |
| Income before extraordinary items | $4,536,000 | 1,545 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,536,000 | 1,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,650 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,531,380 | 1,526 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,276,000 | 1,263 |
| Total interest expense | $6,009,000 | 1,332 |
| Net interest income | $13,267,000 | 1,205 |
| Provision for loan and lease losses | $1,013,000 | 750 |
| Total noninterest income | $1,233,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $247,000 | 3,988 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $986,000 | 1,834 |
| Total noninterest expense | $8,739,000 | 1,458 |
| Salaries and employee benefits | $5,339,000 | 1,299 |
| Premises and equipment expense | $1,391,000 | 1,311 |
| Additional noninterest expense | $2,009,000 | 1,855 |
| Pre-tax net operating income | $4,748,000 | 1,511 |
| Securities gains (losses) | $7,000 | 1,597 |
| Applicable income taxes | $1,626,000 | 1,288 |
| Income before extraordinary items | $3,129,000 | 1,686 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,129,000 | 1,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,883 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,124,380 | 1,656 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,105,000 | 1,298 |
| Total interest expense | $3,660,000 | 1,380 |
| Net interest income | $8,445,000 | 1,267 |
| Provision for loan and lease losses | $779,000 | 653 |
| Total noninterest income | $717,000 | 2,726 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $157,000 | 4,050 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $560,000 | 2,028 |
| Total noninterest expense | $5,620,000 | 1,506 |
| Salaries and employee benefits | $3,376,000 | 1,352 |
| Premises and equipment expense | $921,000 | 1,304 |
| Additional noninterest expense | $1,323,000 | 1,864 |
| Pre-tax net operating income | $2,763,000 | 1,675 |
| Securities gains (losses) | $13,000 | 1,257 |
| Applicable income taxes | $950,000 | 1,423 |
| Income before extraordinary items | $1,826,000 | 1,872 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,826,000 | 1,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,094 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,817,420 | 1,843 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,656,000 | 1,365 |
| Total interest expense | $1,620,000 | 1,477 |
| Net interest income | $4,036,000 | 1,326 |
| Provision for loan and lease losses | $435,000 | 546 |
| Total noninterest income | $324,000 | 2,877 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $75,000 | 4,075 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $249,000 | 2,161 |
| Total noninterest expense | $2,730,000 | 1,554 |
| Salaries and employee benefits | $1,611,000 | 1,435 |
| Premises and equipment expense | $474,000 | 1,269 |
| Additional noninterest expense | $645,000 | 1,901 |
| Pre-tax net operating income | $1,195,000 | 1,891 |
| Securities gains (losses) | $8,000 | 1,073 |
| Applicable income taxes | $412,000 | 1,575 |
| Income before extraordinary items | $791,000 | 2,097 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $791,000 | 2,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $785,720 | 2,087 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,802,000 | 1,707 |
| Total interest expense | $4,382,000 | 1,855 |
| Net interest income | $12,420,000 | 1,638 |
| Provision for loan and lease losses | $990,000 | 1,043 |
| Total noninterest income | $1,118,000 | 3,293 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $340,000 | 4,014 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $778,000 | 2,538 |
| Total noninterest expense | $8,137,000 | 1,970 |
| Salaries and employee benefits | $4,690,000 | 1,870 |
| Premises and equipment expense | $1,368,000 | 1,705 |
| Additional noninterest expense | $2,079,000 | 2,336 |
| Pre-tax net operating income | $4,411,000 | 1,880 |
| Securities gains (losses) | $59,000 | 1,608 |
| Applicable income taxes | $1,518,000 | 1,590 |
| Income before extraordinary items | $2,952,000 | 2,106 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,952,000 | 2,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,991 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,913,060 | 2,085 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,611,000 | 1,832 |
| Total interest expense | $2,873,000 | 2,085 |
| Net interest income | $8,738,000 | 1,725 |
| Provision for loan and lease losses | $766,000 | 994 |
| Total noninterest income | $766,000 | 3,511 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $254,000 | 4,058 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $512,000 | 2,756 |
| Total noninterest expense | $5,582,000 | 2,139 |
| Salaries and employee benefits | $3,241,000 | 2,006 |
| Premises and equipment expense | $897,000 | 1,916 |
| Additional noninterest expense | $1,444,000 | 2,473 |
| Pre-tax net operating income | $3,156,000 | 1,986 |
| Securities gains (losses) | $54,000 | 1,604 |
| Applicable income taxes | $1,087,000 | 1,660 |
| Income before extraordinary items | $2,123,000 | 2,200 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,123,000 | 2,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 2,320 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,087,360 | 2,177 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,348,000 | 1,908 |
| Total interest expense | $1,754,000 | 2,235 |
| Net interest income | $5,594,000 | 1,782 |
| Provision for loan and lease losses | $493,000 | 1,017 |
| Total noninterest income | $536,000 | 3,413 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $181,000 | 3,891 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $355,000 | 2,704 |
| Total noninterest expense | $3,535,000 | 2,230 |
| Salaries and employee benefits | $2,158,000 | 2,019 |
| Premises and equipment expense | $494,000 | 2,321 |
| Additional noninterest expense | $883,000 | 2,671 |
| Pre-tax net operating income | $2,102,000 | 1,960 |
| Securities gains (losses) | $54,000 | 1,410 |
| Applicable income taxes | $725,000 | 1,661 |
| Income before extraordinary items | $1,431,000 | 2,158 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,431,000 | 2,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,734 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,395,360 | 2,145 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,647,000 | 1,924 |
| Total interest expense | $857,000 | 2,296 |
| Net interest income | $2,790,000 | 1,782 |
| Provision for loan and lease losses | $299,000 | 851 |
| Total noninterest income | $241,000 | 3,609 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $84,000 | 4,000 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $157,000 | 2,862 |
| Total noninterest expense | $1,674,000 | 2,380 |
| Salaries and employee benefits | $1,023,000 | 2,147 |
| Premises and equipment expense | $239,000 | 2,409 |
| Additional noninterest expense | $412,000 | 2,828 |
| Pre-tax net operating income | $1,058,000 | 1,910 |
| Securities gains (losses) | $39,000 | 1,343 |
| Applicable income taxes | $375,000 | 1,650 |
| Income before extraordinary items | $722,000 | 2,116 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $722,000 | 2,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,007 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $696,260 | 2,111 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,742,000 | 2,254 |
| Total interest expense | $3,295,000 | 2,630 |
| Net interest income | $9,447,000 | 2,068 |
| Provision for loan and lease losses | $662,000 | 1,697 |
| Total noninterest income | $592,000 | 5,009 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $290,000 | 4,377 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $302,000 | 4,492 |
| Total noninterest expense | $5,861,000 | 2,648 |
| Salaries and employee benefits | $3,240,000 | 2,593 |
| Premises and equipment expense | $1,041,000 | 2,189 |
| Additional noninterest expense | $1,580,000 | 2,932 |
| Pre-tax net operating income | $3,516,000 | 2,207 |
| Securities gains (losses) | $554,000 | 704 |
| Applicable income taxes | $1,396,000 | 1,722 |
| Income before extraordinary items | $2,674,000 | 2,251 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,674,000 | 2,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,107 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,308,360 | 2,430 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,293,000 | 2,363 |
| Total interest expense | $2,436,000 | 2,747 |
| Net interest income | $6,857,000 | 2,144 |
| Provision for loan and lease losses | $472,000 | 1,747 |
| Total noninterest income | $439,000 | 5,081 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $221,000 | 4,358 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $218,000 | 4,622 |
| Total noninterest expense | $4,304,000 | 2,710 |
| Salaries and employee benefits | $2,400,000 | 2,624 |
| Premises and equipment expense | $759,000 | 2,243 |
| Additional noninterest expense | $1,145,000 | 3,024 |
| Pre-tax net operating income | $2,520,000 | 2,369 |
| Securities gains (losses) | $348,000 | 876 |
| Applicable income taxes | $984,000 | 1,880 |
| Income before extraordinary items | $1,884,000 | 2,454 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,884,000 | 2,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,279 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,654,320 | 2,603 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,970,000 | 2,450 |
| Total interest expense | $1,650,000 | 2,793 |
| Net interest income | $4,320,000 | 2,251 |
| Provision for loan and lease losses | $349,000 | 1,605 |
| Total noninterest income | $372,000 | 4,421 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $155,000 | 4,203 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $217,000 | 3,890 |
| Total noninterest expense | $2,713,000 | 2,849 |
| Salaries and employee benefits | $1,437,000 | 2,897 |
| Premises and equipment expense | $503,000 | 2,250 |
| Additional noninterest expense | $773,000 | 2,962 |
| Pre-tax net operating income | $1,630,000 | 2,426 |
| Securities gains (losses) | $56,000 | 1,935 |
| Applicable income taxes | $577,000 | 2,105 |
| Income before extraordinary items | $1,109,000 | 2,743 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,109,000 | 2,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,995 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,072,040 | 2,662 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,858,000 | 2,560 |
| Total interest expense | $812,000 | 2,903 |
| Net interest income | $2,046,000 | 2,373 |
| Provision for loan and lease losses | $178,000 | 1,503 |
| Total noninterest income | $133,000 | 5,184 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $74,000 | 4,258 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 4,952 |
| Total noninterest expense | $1,331,000 | 2,878 |
| Salaries and employee benefits | $690,000 | 2,995 |
| Premises and equipment expense | $251,000 | 2,246 |
| Additional noninterest expense | $390,000 | 2,918 |
| Pre-tax net operating income | $670,000 | 2,834 |
| Securities gains (losses) | $15,000 | 2,029 |
| Applicable income taxes | $238,000 | 2,403 |
| Income before extraordinary items | $447,000 | 3,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $447,000 | 3,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,091 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $437,250 | 3,086 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,862,000 | 3,055 |
| Total interest expense | $3,392,000 | 3,197 |
| Net interest income | $6,470,000 | 2,949 |
| Provision for loan and lease losses | $483,000 | 2,432 |
| Total noninterest income | $515,000 | 5,129 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $263,000 | 4,571 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $252,000 | 4,595 |
| Total noninterest expense | $4,324,000 | 3,338 |
| Salaries and employee benefits | $2,220,000 | 3,436 |
| Premises and equipment expense | $849,000 | 2,543 |
| Additional noninterest expense | $1,255,000 | 3,483 |
| Pre-tax net operating income | $2,178,000 | 3,235 |
| Securities gains (losses) | $244,000 | 1,040 |
| Applicable income taxes | $831,000 | 2,523 |
| Income before extraordinary items | $1,591,000 | 3,343 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,591,000 | 3,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,827 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,429,960 | 3,519 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,486,000 | 4,235 |
| Total interest expense | $2,918,000 | 4,839 |
| Net interest income | $4,568,000 | 3,702 |
| Provision for loan and lease losses | $450,000 | 2,395 |
| Total noninterest income | $446,000 | 5,390 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $263,000 | 4,507 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $183,000 | 5,128 |
| Total noninterest expense | $2,983,000 | 4,345 |
| Salaries and employee benefits | $1,513,000 | 4,479 |
| Premises and equipment expense | $550,000 | 3,612 |
| Additional noninterest expense | $920,000 | 4,333 |
| Pre-tax net operating income | $1,581,000 | 3,725 |
| Securities gains (losses) | $107,000 | 1,692 |
| Applicable income taxes | $583,000 | 3,019 |
| Income before extraordinary items | $1,105,000 | 4,019 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,105,000 | 4,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,035,450 | 4,075 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,388,000 | 5,463 |
| Total interest expense | $2,178,000 | 6,005 |
| Net interest income | $3,210,000 | 4,914 |
| Provision for loan and lease losses | $237,000 | 3,407 |
| Total noninterest income | $285,000 | 6,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,548 |
| Total noninterest expense | $2,349,000 | 5,077 |
| Salaries and employee benefits | $1,204,000 | 5,210 |
| Premises and equipment expense | $414,000 | 4,399 |
| Additional noninterest expense | $731,000 | 5,025 |
| Pre-tax net operating income | $909,000 | 5,515 |
| Securities gains (losses) | $17,000 | 991 |
| Applicable income taxes | $149,000 | 5,935 |
| Income before extraordinary items | $777,000 | 5,130 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $777,000 | 5,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 443 |
| Net operating income | $762,720 | 5,180 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,844,000 | 7,549 |
| Total interest expense | $921,000 | 8,387 |
| Net interest income | $1,923,000 | 6,782 |
| Provision for loan and lease losses | $231,000 | 3,253 |
| Total noninterest income | $199,000 | 7,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 6,515 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 6,924 |
| Total noninterest expense | $1,720,000 | 6,253 |
| Salaries and employee benefits | $841,000 | 6,571 |
| Premises and equipment expense | $338,000 | 5,088 |
| Additional noninterest expense | $541,000 | 6,213 |
| Pre-tax net operating income | $171,000 | 8,709 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $171,000 | 8,503 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $171,000 | 8,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 855 |
| Net operating income | $171,000 | 8,465 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $613,000 | 10,148 |
| Total interest expense | $147,000 | 10,246 |
| Net interest income | $466,000 | 9,981 |
| Provision for loan and lease losses | $132,000 | 4,434 |
| Total noninterest income | $30,000 | 10,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $5,000 | 8,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $817,000 | 8,722 |
| Salaries and employee benefits | $355,000 | 9,260 |
| Premises and equipment expense | $157,000 | 7,493 |
| Additional noninterest expense | $305,000 | 8,075 |
| Pre-tax net operating income | $-453,000 | 10,159 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-453,000 | 10,206 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-453,000 | 10,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,376,000 | 157 |
| Net operating income | $-453,000 | 10,177 |
* 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.