Home > Keystone Bank > Income and Expense
Keystone Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $966,000 | 6,179 |
| Total interest expense | $311,000 | 6,308 |
| Net interest income | $655,000 | 6,002 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $234,000 | 3,634 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $211,000 | 1,952 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,492 |
| Total noninterest expense | $654,000 | 5,336 |
| Salaries and employee benefits | $419,000 | 4,864 |
| Premises and equipment expense | $118,000 | 4,464 |
| Additional noninterest expense | $117,000 | 6,694 |
| Pre-tax net operating income | $235,000 | 5,499 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $70,000 | 4,045 |
| Income before extraordinary items | $165,000 | 5,752 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $165,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,940 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $165,000 | 5,755 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,601,000 | 4,801 |
| Total interest expense | $1,283,000 | 5,654 |
| Net interest income | $4,318,000 | 4,392 |
| Provision for loan and lease losses | $-50,000 | 8,577 |
| Total noninterest income | $1,572,000 | 2,614 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,421,000 | 1,244 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $151,000 | 5,718 |
| Total noninterest expense | $5,385,000 | 3,035 |
| Salaries and employee benefits | $2,962,000 | 3,000 |
| Premises and equipment expense | $665,000 | 3,375 |
| Additional noninterest expense | $1,758,000 | 2,812 |
| Pre-tax net operating income | $555,000 | 6,564 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $87,000 | 5,482 |
| Income before extraordinary items | $474,000 | 6,468 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $474,000 | 6,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,212 |
| Cash dividends | $16,000 | 5,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $468,960 | 6,476 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,158,000 | 4,794 |
| Total interest expense | $899,000 | 5,722 |
| Net interest income | $3,259,000 | 4,380 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,204,000 | 2,573 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,080,000 | 1,218 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $124,000 | 5,547 |
| Total noninterest expense | $3,854,000 | 3,131 |
| Salaries and employee benefits | $2,214,000 | 2,975 |
| Premises and equipment expense | $461,000 | 3,576 |
| Additional noninterest expense | $1,179,000 | 3,084 |
| Pre-tax net operating income | $609,000 | 5,972 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $166,000 | 4,693 |
| Income before extraordinary items | $449,000 | 6,124 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $449,000 | 6,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,087 |
| Cash dividends | $13,000 | 5,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $444,620 | 6,115 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,750,000 | 4,782 |
| Total interest expense | $547,000 | 5,809 |
| Net interest income | $2,203,000 | 4,303 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $776,000 | 2,596 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $690,000 | 1,231 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $86,000 | 5,460 |
| Total noninterest expense | $2,554,000 | 3,128 |
| Salaries and employee benefits | $1,462,000 | 2,991 |
| Premises and equipment expense | $288,000 | 3,731 |
| Additional noninterest expense | $804,000 | 3,009 |
| Pre-tax net operating income | $425,000 | 5,831 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $116,000 | 4,625 |
| Income before extraordinary items | $313,000 | 6,028 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $313,000 | 6,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $9,000 | 5,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $310,080 | 5,994 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,334,000 | 4,838 |
| Total interest expense | $252,000 | 5,946 |
| Net interest income | $1,082,000 | 4,375 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $366,000 | 2,650 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $315,000 | 1,304 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,145 |
| Total noninterest expense | $1,250,000 | 3,207 |
| Salaries and employee benefits | $707,000 | 3,100 |
| Premises and equipment expense | $142,000 | 3,794 |
| Additional noninterest expense | $401,000 | 3,007 |
| Pre-tax net operating income | $199,000 | 5,964 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $54,000 | 4,665 |
| Income before extraordinary items | $144,000 | 6,193 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $144,000 | 6,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $4,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $144,000 | 6,146 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,248,000 | 4,691 |
| Total interest expense | $961,000 | 5,783 |
| Net interest income | $4,287,000 | 4,274 |
| Provision for loan and lease losses | $42,000 | 6,127 |
| Total noninterest income | $1,534,000 | 2,644 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,364,000 | 1,307 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $170,000 | 5,444 |
| Total noninterest expense | $5,087,000 | 3,063 |
| Salaries and employee benefits | $2,827,000 | 2,995 |
| Premises and equipment expense | $594,000 | 3,558 |
| Additional noninterest expense | $1,666,000 | 2,858 |
| Pre-tax net operating income | $692,000 | 6,128 |
| Securities gains (losses) | $47,000 | 1,791 |
| Applicable income taxes | $53,000 | 6,005 |
| Income before extraordinary items | $686,000 | 5,642 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $686,000 | 5,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,926 |
| Cash dividends | $17,000 | 6,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $642,290 | 5,731 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,900,000 | 4,689 |
| Total interest expense | $715,000 | 5,767 |
| Net interest income | $3,185,000 | 4,298 |
| Provision for loan and lease losses | $42,000 | 5,667 |
| Total noninterest income | $1,171,000 | 2,614 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,034,000 | 1,294 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $137,000 | 5,322 |
| Total noninterest expense | $3,827,000 | 3,023 |
| Salaries and employee benefits | $2,088,000 | 3,014 |
| Premises and equipment expense | $452,000 | 3,532 |
| Additional noninterest expense | $1,287,000 | 2,728 |
| Pre-tax net operating income | $487,000 | 6,375 |
| Securities gains (losses) | $42,000 | 1,794 |
| Applicable income taxes | $138,000 | 4,951 |
| Income before extraordinary items | $391,000 | 6,387 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $391,000 | 6,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,312 |
| Cash dividends | $13,000 | 5,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $359,920 | 6,486 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,573,000 | 4,738 |
| Total interest expense | $476,000 | 5,791 |
| Net interest income | $2,097,000 | 4,334 |
| Provision for loan and lease losses | $42,000 | 4,959 |
| Total noninterest income | $798,000 | 2,598 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $695,000 | 1,272 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $103,000 | 5,109 |
| Total noninterest expense | $2,506,000 | 3,085 |
| Salaries and employee benefits | $1,373,000 | 3,073 |
| Premises and equipment expense | $291,000 | 3,648 |
| Additional noninterest expense | $842,000 | 2,797 |
| Pre-tax net operating income | $347,000 | 6,205 |
| Securities gains (losses) | $42,000 | 1,561 |
| Applicable income taxes | $104,000 | 4,795 |
| Income before extraordinary items | $285,000 | 6,143 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $285,000 | 6,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 1,894 |
| Cash dividends | $8,000 | 5,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $254,340 | 6,313 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,289,000 | 4,754 |
| Total interest expense | $246,000 | 5,755 |
| Net interest income | $1,043,000 | 4,354 |
| Provision for loan and lease losses | $17,000 | 4,995 |
| Total noninterest income | $377,000 | 2,643 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $319,000 | 1,342 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $58,000 | 4,809 |
| Total noninterest expense | $1,291,000 | 3,004 |
| Salaries and employee benefits | $713,000 | 2,981 |
| Premises and equipment expense | $142,000 | 3,735 |
| Additional noninterest expense | $436,000 | 2,678 |
| Pre-tax net operating income | $112,000 | 6,965 |
| Securities gains (losses) | $42,000 | 1,294 |
| Applicable income taxes | $37,000 | 5,183 |
| Income before extraordinary items | $117,000 | 6,569 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $117,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 1,346 |
| Cash dividends | $4,000 | 3,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $85,080 | 7,057 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,258,000 | 4,722 |
| Total interest expense | $1,216,000 | 5,521 |
| Net interest income | $4,042,000 | 4,336 |
| Provision for loan and lease losses | $52,000 | 6,221 |
| Total noninterest income | $1,450,000 | 2,914 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,486,000 | 1,166 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-36,000 | 9,143 |
| Total noninterest expense | $5,339,000 | 2,893 |
| Salaries and employee benefits | $2,891,000 | 2,857 |
| Premises and equipment expense | $570,000 | 3,673 |
| Additional noninterest expense | $1,878,000 | 2,538 |
| Pre-tax net operating income | $101,000 | 8,200 |
| Securities gains (losses) | $102,000 | 1,881 |
| Applicable income taxes | $-101,000 | 8,948 |
| Income before extraordinary items | $304,000 | 7,266 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $304,000 | 7,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 2,148 |
| Cash dividends | $17,000 | 6,174 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 9,053 |
| Net operating income | $202,000 | 7,623 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,898,000 | 4,817 |
| Total interest expense | $956,000 | 5,518 |
| Net interest income | $2,942,000 | 4,444 |
| Provision for loan and lease losses | $46,000 | 5,848 |
| Total noninterest income | $1,123,000 | 2,918 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,114,000 | 1,176 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $4,054,000 | 2,868 |
| Salaries and employee benefits | $2,161,000 | 2,873 |
| Premises and equipment expense | $438,000 | 3,604 |
| Additional noninterest expense | $1,455,000 | 2,466 |
| Pre-tax net operating income | $-35,000 | 8,697 |
| Securities gains (losses) | $44,000 | 2,422 |
| Applicable income taxes | $10,000 | 7,078 |
| Income before extraordinary items | $-1,000 | 8,729 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,000 | 8,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 1,765 |
| Cash dividends | $13,000 | 5,418 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 9,128 |
| Net operating income | $-29,160 | 8,687 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,682,000 | 4,740 |
| Total interest expense | $679,000 | 5,446 |
| Net interest income | $2,003,000 | 4,392 |
| Provision for loan and lease losses | $46,000 | 5,260 |
| Total noninterest income | $799,000 | 2,761 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $744,000 | 1,149 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $55,000 | 6,401 |
| Total noninterest expense | $2,711,000 | 2,852 |
| Salaries and employee benefits | $1,398,000 | 2,968 |
| Premises and equipment expense | $293,000 | 3,567 |
| Additional noninterest expense | $1,020,000 | 2,324 |
| Pre-tax net operating income | $45,000 | 8,406 |
| Securities gains (losses) | $44,000 | 2,102 |
| Applicable income taxes | $10,000 | 6,956 |
| Income before extraordinary items | $79,000 | 8,144 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $79,000 | 8,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,610 |
| Cash dividends | $8,000 | 5,150 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 9,182 |
| Net operating income | $39,840 | 8,391 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $610,000 | 7,269 |
| Total interest expense | $134,000 | 7,969 |
| Net interest income | $476,000 | 6,782 |
| Provision for loan and lease losses | $46,000 | 3,791 |
| Total noninterest income | $185,000 | 4,352 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $158,000 | 2,474 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 6,429 |
| Total noninterest expense | $574,000 | 5,488 |
| Salaries and employee benefits | $281,000 | 5,836 |
| Premises and equipment expense | $85,000 | 5,226 |
| Additional noninterest expense | $208,000 | 4,818 |
| Pre-tax net operating income | $41,000 | 8,135 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $7,000 | 6,747 |
| Income before extraordinary items | $41,000 | 8,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,581 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $35,050 | 8,041 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 6,996 |
| Total interest expense | $811,000 | 7,481 |
| Net interest income | $2,045,000 | 6,554 |
| Provision for loan and lease losses | $57,000 | 6,584 |
| Total noninterest income | $780,000 | 4,060 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $653,000 | 2,397 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $127,000 | 5,948 |
| Total noninterest expense | $2,357,000 | 5,287 |
| Salaries and employee benefits | $1,138,000 | 5,676 |
| Premises and equipment expense | $317,000 | 5,391 |
| Additional noninterest expense | $902,000 | 4,533 |
| Pre-tax net operating income | $411,000 | 7,115 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $109,000 | 5,881 |
| Income before extraordinary items | $302,000 | 7,310 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $302,000 | 7,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,769 |
| Cash dividends | $1,000 | 6,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $302,000 | 7,206 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,276,000 | 6,951 |
| Total interest expense | $1,236,000 | 7,536 |
| Net interest income | $2,040,000 | 6,376 |
| Provision for loan and lease losses | $874,000 | 1,397 |
| Total noninterest income | $762,000 | 3,992 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $559,000 | 2,592 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $203,000 | 4,899 |
| Total noninterest expense | $2,309,000 | 5,233 |
| Salaries and employee benefits | $1,056,000 | 5,796 |
| Premises and equipment expense | $263,000 | 5,926 |
| Additional noninterest expense | $990,000 | 4,099 |
| Pre-tax net operating income | $-381,000 | 9,098 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-120,000 | 9,295 |
| Income before extraordinary items | $-261,000 | 9,094 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-261,000 | 9,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $852,000 | 1,050 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-261,000 | 9,037 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,377,000 | 7,025 |
| Total interest expense | $1,433,000 | 7,286 |
| Net interest income | $1,944,000 | 6,644 |
| Provision for loan and lease losses | $577,000 | 1,681 |
| Total noninterest income | $527,000 | 4,770 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $452,000 | 2,950 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,039 |
| Total noninterest expense | $2,070,000 | 5,549 |
| Salaries and employee benefits | $961,000 | 6,079 |
| Premises and equipment expense | $268,000 | 5,800 |
| Additional noninterest expense | $841,000 | 4,568 |
| Pre-tax net operating income | $-176,000 | 9,317 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-72,000 | 9,539 |
| Income before extraordinary items | $-104,000 | 9,274 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-104,000 | 9,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,743 |
| Cash dividends | $1,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-104,000 | 9,268 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,968,000 | 7,418 |
| Total interest expense | $1,115,000 | 7,872 |
| Net interest income | $1,853,000 | 6,904 |
| Provision for loan and lease losses | $81,000 | 5,632 |
| Total noninterest income | $490,000 | 5,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $433,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,811 |
| Total noninterest expense | $1,962,000 | 5,762 |
| Salaries and employee benefits | $907,000 | 6,272 |
| Premises and equipment expense | $268,000 | 5,829 |
| Additional noninterest expense | $787,000 | 4,850 |
| Pre-tax net operating income | $300,000 | 8,090 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $71,000 | 7,326 |
| Income before extraordinary items | $225,000 | 8,117 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $225,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $1,000 | 7,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $228,040 | 8,074 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,551,000 | 8,042 |
| Total interest expense | $1,040,000 | 8,312 |
| Net interest income | $1,511,000 | 7,666 |
| Provision for loan and lease losses | $66,000 | 5,965 |
| Total noninterest income | $451,000 | 5,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $399,000 | 3,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,090 |
| Total noninterest expense | $1,759,000 | 6,099 |
| Salaries and employee benefits | $819,000 | 6,608 |
| Premises and equipment expense | $240,000 | 6,105 |
| Additional noninterest expense | $700,000 | 5,166 |
| Pre-tax net operating income | $137,000 | 9,239 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $19,000 | 8,905 |
| Income before extraordinary items | $120,000 | 9,186 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $120,000 | 9,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,973 |
| Cash dividends | $1,000 | 7,465 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $118,280 | 9,132 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,487,000 | 8,394 |
| Total interest expense | $999,000 | 8,693 |
| Net interest income | $1,488,000 | 8,008 |
| Provision for loan and lease losses | $83,000 | 5,598 |
| Total noninterest income | $536,000 | 4,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $393,000 | 3,263 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,821 |
| Total noninterest expense | $1,688,000 | 6,327 |
| Salaries and employee benefits | $827,000 | 6,648 |
| Premises and equipment expense | $239,000 | 6,223 |
| Additional noninterest expense | $622,000 | 5,676 |
| Pre-tax net operating income | $253,000 | 9,276 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $61,000 | 9,066 |
| Income before extraordinary items | $192,000 | 9,233 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $192,000 | 9,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,881 |
| Cash dividends | $1,000 | 7,864 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $192,000 | 9,189 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,513,000 | 8,676 |
| Total interest expense | $981,000 | 9,074 |
| Net interest income | $1,532,000 | 8,190 |
| Provision for loan and lease losses | $67,000 | 5,924 |
| Total noninterest income | $601,000 | 4,562 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 4,027 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $281,000 | 4,236 |
| Total noninterest expense | $1,672,000 | 6,673 |
| Salaries and employee benefits | $830,000 | 6,832 |
| Premises and equipment expense | $221,000 | 6,672 |
| Additional noninterest expense | $621,000 | 6,226 |
| Pre-tax net operating income | $394,000 | 8,543 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $162,000 | 7,700 |
| Income before extraordinary items | $232,000 | 8,981 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $232,000 | 8,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $1,000 | 8,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $232,000 | 8,926 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,440,000 | 9,058 |
| Total interest expense | $1,028,000 | 9,157 |
| Net interest income | $1,412,000 | 8,767 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $365,000 | 6,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 4,115 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 9,276 |
| Total noninterest expense | $1,517,000 | 7,214 |
| Salaries and employee benefits | $766,000 | 7,307 |
| Premises and equipment expense | $200,000 | 7,189 |
| Additional noninterest expense | $551,000 | 6,862 |
| Pre-tax net operating income | $260,000 | 10,042 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $81,000 | 9,559 |
| Income before extraordinary items | $179,000 | 10,178 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $179,000 | 10,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,621 |
| Cash dividends | $1,000 | 8,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $179,000 | 10,146 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,049,000 | 9,714 |
| Total interest expense | $815,000 | 9,525 |
| Net interest income | $1,234,000 | 9,661 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $416,000 | 5,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $341,000 | 3,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,448 |
| Total noninterest expense | $1,620,000 | 7,235 |
| Salaries and employee benefits | $779,000 | 7,323 |
| Premises and equipment expense | $207,000 | 7,274 |
| Additional noninterest expense | $634,000 | 6,784 |
| Pre-tax net operating income | $30,000 | 11,989 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,000 | 11,553 |
| Income before extraordinary items | $28,000 | 11,928 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $28,000 | 11,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,077 |
| Cash dividends | $1,000 | 8,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $28,000 | 11,967 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,957,000 | 10,266 |
| Total interest expense | $781,000 | 10,144 |
| Net interest income | $1,176,000 | 10,145 |
| Provision for loan and lease losses | $87,000 | 6,144 |
| Total noninterest income | $383,000 | 6,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 4,124 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,699 |
| Total noninterest expense | $1,611,000 | 7,468 |
| Salaries and employee benefits | $795,000 | 7,357 |
| Premises and equipment expense | $206,000 | 7,564 |
| Additional noninterest expense | $610,000 | 7,243 |
| Pre-tax net operating income | $-139,000 | 12,633 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-40,000 | 12,869 |
| Income before extraordinary items | $-99,000 | 12,664 |
| Extraordinary gains, net | $-10,000 | 12,314 |
| Net income | $-109,000 | 12,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $1,000 | 9,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-99,000 | 12,562 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,335,000 | 10,224 |
| Total interest expense | $1,069,000 | 10,100 |
| Net interest income | $1,266,000 | 10,074 |
| Provision for loan and lease losses | $63,000 | 8,454 |
| Total noninterest income | $448,000 | 6,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $362,000 | 3,798 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,594 |
| Total noninterest expense | $1,651,000 | 7,403 |
| Salaries and employee benefits | $844,000 | 6,973 |
| Premises and equipment expense | $199,000 | 7,855 |
| Additional noninterest expense | $608,000 | 7,442 |
| Pre-tax net operating income | $0 | 12,692 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-3,000 | 13,367 |
| Income before extraordinary items | $3,000 | 12,878 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,000 | 12,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 6,766 |
| Cash dividends | $1,000 | 8,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,000 | 12,647 |
* 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.