Home > Lake Community Bank > Income and Expense
Lake Community Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,637,000 | 4,647 |
| Total interest expense | $348,000 | 6,049 |
| Net interest income | $1,289,000 | 3,962 |
| Provision for loan and lease losses | $-125,000 | 8,680 |
| Total noninterest income | $176,000 | 4,262 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $91,000 | 3,680 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $85,000 | 4,010 |
| Total noninterest expense | $681,000 | 5,217 |
| Salaries and employee benefits | $326,000 | 5,675 |
| Premises and equipment expense | $76,000 | 5,765 |
| Additional noninterest expense | $279,000 | 4,128 |
| Pre-tax net operating income | $909,000 | 2,446 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $339,000 | 1,857 |
| Income before extraordinary items | $570,000 | 2,851 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $570,000 | 2,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $570,000 | 2,832 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,997,000 | 4,145 |
| Total interest expense | $1,299,000 | 5,619 |
| Net interest income | $5,698,000 | 3,574 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $916,000 | 3,764 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $376,000 | 3,693 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $540,000 | 3,239 |
| Total noninterest expense | $2,922,000 | 4,849 |
| Salaries and employee benefits | $1,405,000 | 5,274 |
| Premises and equipment expense | $300,000 | 5,730 |
| Additional noninterest expense | $1,217,000 | 3,835 |
| Pre-tax net operating income | $3,692,000 | 2,356 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,390,000 | 1,800 |
| Income before extraordinary items | $2,302,000 | 2,759 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,302,000 | 2,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,359 |
| Cash dividends | $2,000,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,302,000 | 2,721 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,231,000 | 4,103 |
| Total interest expense | $936,000 | 5,620 |
| Net interest income | $4,295,000 | 3,549 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $658,000 | 3,861 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $278,000 | 3,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $380,000 | 3,369 |
| Total noninterest expense | $2,166,000 | 4,872 |
| Salaries and employee benefits | $1,050,000 | 5,264 |
| Premises and equipment expense | $227,000 | 5,711 |
| Additional noninterest expense | $889,000 | 3,845 |
| Pre-tax net operating income | $2,787,000 | 2,357 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,053,000 | 1,810 |
| Income before extraordinary items | $1,734,000 | 2,771 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,734,000 | 2,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,302 |
| Cash dividends | $2,000,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,734,000 | 2,744 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,414,000 | 4,108 |
| Total interest expense | $607,000 | 5,535 |
| Net interest income | $2,807,000 | 3,592 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $401,000 | 4,044 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $175,000 | 3,804 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $226,000 | 3,553 |
| Total noninterest expense | $1,387,000 | 5,003 |
| Salaries and employee benefits | $647,000 | 5,497 |
| Premises and equipment expense | $156,000 | 5,596 |
| Additional noninterest expense | $584,000 | 3,886 |
| Pre-tax net operating income | $1,821,000 | 2,352 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $688,000 | 1,810 |
| Income before extraordinary items | $1,133,000 | 2,795 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,133,000 | 2,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,294 |
| Cash dividends | $2,000,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,133,000 | 2,753 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,670,000 | 4,143 |
| Total interest expense | $297,000 | 5,505 |
| Net interest income | $1,373,000 | 3,668 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $166,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $87,000 | 3,754 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $79,000 | 4,223 |
| Total noninterest expense | $711,000 | 4,939 |
| Salaries and employee benefits | $325,000 | 5,539 |
| Premises and equipment expense | $81,000 | 5,528 |
| Additional noninterest expense | $305,000 | 3,751 |
| Pre-tax net operating income | $828,000 | 2,504 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $311,000 | 1,926 |
| Income before extraordinary items | $517,000 | 2,975 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $517,000 | 2,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $2,000,000 | 351 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $517,000 | 2,929 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,025,000 | 3,798 |
| Total interest expense | $1,209,000 | 5,088 |
| Net interest income | $5,816,000 | 3,374 |
| Provision for loan and lease losses | $75,000 | 5,393 |
| Total noninterest income | $957,000 | 3,660 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $374,000 | 3,795 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $583,000 | 3,033 |
| Total noninterest expense | $2,918,000 | 4,755 |
| Salaries and employee benefits | $1,308,000 | 5,415 |
| Premises and equipment expense | $330,000 | 5,404 |
| Additional noninterest expense | $1,280,000 | 3,568 |
| Pre-tax net operating income | $3,780,000 | 2,151 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $1,447,000 | 1,649 |
| Income before extraordinary items | $2,336,000 | 2,561 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,336,000 | 2,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,809 |
| Cash dividends | $2,000,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,334,080 | 2,513 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,284,000 | 3,754 |
| Total interest expense | $898,000 | 5,098 |
| Net interest income | $4,386,000 | 3,342 |
| Provision for loan and lease losses | $75,000 | 4,788 |
| Total noninterest income | $731,000 | 3,625 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $287,000 | 3,768 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $444,000 | 3,008 |
| Total noninterest expense | $2,223,000 | 4,667 |
| Salaries and employee benefits | $1,019,000 | 5,255 |
| Premises and equipment expense | $251,000 | 5,329 |
| Additional noninterest expense | $953,000 | 3,562 |
| Pre-tax net operating income | $2,819,000 | 2,175 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,062,000 | 1,683 |
| Income before extraordinary items | $1,757,000 | 2,605 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,757,000 | 2,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,248 |
| Cash dividends | $2,000,000 | 976 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,757,000 | 2,534 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,532,000 | 3,751 |
| Total interest expense | $589,000 | 5,157 |
| Net interest income | $2,943,000 | 3,319 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $485,000 | 3,644 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $191,000 | 3,759 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $294,000 | 3,021 |
| Total noninterest expense | $1,489,000 | 4,692 |
| Salaries and employee benefits | $689,000 | 5,233 |
| Premises and equipment expense | $170,000 | 5,314 |
| Additional noninterest expense | $630,000 | 3,599 |
| Pre-tax net operating income | $1,879,000 | 2,153 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $707,000 | 1,697 |
| Income before extraordinary items | $1,172,000 | 2,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,172,000 | 2,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,172,000 | 2,514 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,786,000 | 3,724 |
| Total interest expense | $301,000 | 5,153 |
| Net interest income | $1,485,000 | 3,295 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $253,000 | 3,497 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $89,000 | 3,861 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $164,000 | 2,783 |
| Total noninterest expense | $756,000 | 4,658 |
| Salaries and employee benefits | $355,000 | 5,140 |
| Premises and equipment expense | $91,000 | 5,132 |
| Additional noninterest expense | $310,000 | 3,648 |
| Pre-tax net operating income | $937,000 | 2,128 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $351,000 | 1,720 |
| Income before extraordinary items | $586,000 | 2,559 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $586,000 | 2,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $586,000 | 2,470 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,136,000 | 3,758 |
| Total interest expense | $1,403,000 | 5,079 |
| Net interest income | $5,733,000 | 3,298 |
| Provision for loan and lease losses | $305,000 | 3,117 |
| Total noninterest income | $1,043,000 | 3,629 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $401,000 | 3,642 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $642,000 | 3,123 |
| Total noninterest expense | $2,886,000 | 4,735 |
| Salaries and employee benefits | $1,331,000 | 5,262 |
| Premises and equipment expense | $366,000 | 5,030 |
| Additional noninterest expense | $1,189,000 | 3,754 |
| Pre-tax net operating income | $3,585,000 | 2,174 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,368,000 | 1,760 |
| Income before extraordinary items | $2,217,000 | 2,643 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,217,000 | 2,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 4,012 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,217,000 | 2,517 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,336,000 | 3,819 |
| Total interest expense | $1,089,000 | 5,111 |
| Net interest income | $4,247,000 | 3,355 |
| Provision for loan and lease losses | $245,000 | 2,890 |
| Total noninterest income | $790,000 | 3,672 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $298,000 | 3,667 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $492,000 | 3,170 |
| Total noninterest expense | $2,213,000 | 4,632 |
| Salaries and employee benefits | $1,017,000 | 5,193 |
| Premises and equipment expense | $274,000 | 5,023 |
| Additional noninterest expense | $922,000 | 3,640 |
| Pre-tax net operating income | $2,579,000 | 2,317 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $990,000 | 1,871 |
| Income before extraordinary items | $1,589,000 | 2,834 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,589,000 | 2,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,514 |
| Cash dividends | $1,000,000 | 1,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,589,000 | 2,693 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,549,000 | 3,850 |
| Total interest expense | $761,000 | 5,087 |
| Net interest income | $2,788,000 | 3,389 |
| Provision for loan and lease losses | $155,000 | 2,947 |
| Total noninterest income | $478,000 | 3,840 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $193,000 | 3,709 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $285,000 | 3,401 |
| Total noninterest expense | $1,415,000 | 4,772 |
| Salaries and employee benefits | $619,000 | 5,511 |
| Premises and equipment expense | $184,000 | 4,966 |
| Additional noninterest expense | $612,000 | 3,645 |
| Pre-tax net operating income | $1,696,000 | 2,356 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $655,000 | 1,917 |
| Income before extraordinary items | $1,041,000 | 2,882 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,041,000 | 2,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,733 |
| Cash dividends | $1,000,000 | 1,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,041,000 | 2,719 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,728,000 | 3,960 |
| Total interest expense | $385,000 | 5,144 |
| Net interest income | $1,343,000 | 3,483 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $218,000 | 3,951 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $93,000 | 3,718 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $125,000 | 3,535 |
| Total noninterest expense | $733,000 | 4,653 |
| Salaries and employee benefits | $326,000 | 5,345 |
| Premises and equipment expense | $97,000 | 4,800 |
| Additional noninterest expense | $310,000 | 3,570 |
| Pre-tax net operating income | $753,000 | 2,589 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $292,000 | 2,097 |
| Income before extraordinary items | $461,000 | 3,126 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $461,000 | 3,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,799 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $461,000 | 2,966 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,903,000 | 4,099 |
| Total interest expense | $1,758,000 | 5,219 |
| Net interest income | $5,145,000 | 3,581 |
| Provision for loan and lease losses | $450,000 | 2,572 |
| Total noninterest income | $799,000 | 4,007 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $353,000 | 3,848 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $446,000 | 3,490 |
| Total noninterest expense | $2,580,000 | 4,973 |
| Salaries and employee benefits | $1,079,000 | 5,868 |
| Premises and equipment expense | $371,000 | 4,903 |
| Additional noninterest expense | $1,130,000 | 3,779 |
| Pre-tax net operating income | $2,914,000 | 2,561 |
| Securities gains (losses) | $76,000 | 2,019 |
| Applicable income taxes | $1,161,000 | 1,979 |
| Income before extraordinary items | $1,829,000 | 2,989 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,829,000 | 2,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 2,279 |
| Cash dividends | $750,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,780,360 | 2,971 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,529,000 | 4,217 |
| Total interest expense | $2,964,000 | 4,780 |
| Net interest income | $4,565,000 | 3,708 |
| Provision for loan and lease losses | $140,000 | 4,923 |
| Total noninterest income | $650,000 | 4,382 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $348,000 | 3,774 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $302,000 | 4,111 |
| Total noninterest expense | $2,587,000 | 4,843 |
| Salaries and employee benefits | $1,109,000 | 5,625 |
| Premises and equipment expense | $380,000 | 4,764 |
| Additional noninterest expense | $1,098,000 | 3,766 |
| Pre-tax net operating income | $2,488,000 | 2,674 |
| Securities gains (losses) | $22,000 | 3,077 |
| Applicable income taxes | $927,000 | 2,187 |
| Income before extraordinary items | $1,583,000 | 3,093 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,583,000 | 3,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 4,135 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,568,920 | 3,022 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,532,000 | 4,318 |
| Total interest expense | $3,094,000 | 4,807 |
| Net interest income | $4,438,000 | 3,846 |
| Provision for loan and lease losses | $115,000 | 5,030 |
| Total noninterest income | $620,000 | 4,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 3,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $313,000 | 3,827 |
| Total noninterest expense | $2,581,000 | 4,745 |
| Salaries and employee benefits | $1,174,000 | 5,310 |
| Premises and equipment expense | $394,000 | 4,554 |
| Additional noninterest expense | $1,013,000 | 3,957 |
| Pre-tax net operating income | $2,362,000 | 2,909 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $905,000 | 2,306 |
| Income before extraordinary items | $1,457,000 | 3,330 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,457,000 | 3,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,198 |
| Cash dividends | $1,000,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,457,000 | 3,318 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,973,000 | 4,408 |
| Total interest expense | $2,510,000 | 5,182 |
| Net interest income | $4,463,000 | 3,810 |
| Provision for loan and lease losses | $195,000 | 3,609 |
| Total noninterest income | $621,000 | 4,332 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 3,841 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $306,000 | 3,975 |
| Total noninterest expense | $2,866,000 | 4,378 |
| Salaries and employee benefits | $1,382,000 | 4,634 |
| Premises and equipment expense | $511,000 | 3,695 |
| Additional noninterest expense | $973,000 | 4,108 |
| Pre-tax net operating income | $2,023,000 | 3,315 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $738,000 | 2,806 |
| Income before extraordinary items | $1,285,000 | 3,669 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,285,000 | 3,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 9,856 |
| Cash dividends | $1,850,000 | 1,456 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 808 |
| Net operating income | $1,285,000 | 3,630 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,480,000 | 4,686 |
| Total interest expense | $2,540,000 | 5,304 |
| Net interest income | $3,940,000 | 4,168 |
| Provision for loan and lease losses | $360,000 | 2,235 |
| Total noninterest income | $654,000 | 4,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 3,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $325,000 | 3,847 |
| Total noninterest expense | $4,229,000 | 3,077 |
| Salaries and employee benefits | $2,080,000 | 3,211 |
| Premises and equipment expense | $622,000 | 3,061 |
| Additional noninterest expense | $1,529,000 | 2,722 |
| Pre-tax net operating income | $5,000 | 9,766 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-28,000 | 10,083 |
| Income before extraordinary items | $33,000 | 9,708 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $33,000 | 9,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 2,020 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $360,000 | 602 |
| Net operating income | $33,000 | 9,650 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,534,000 | 4,756 |
| Total interest expense | $2,562,000 | 5,323 |
| Net interest income | $3,972,000 | 4,265 |
| Provision for loan and lease losses | $360,000 | 2,248 |
| Total noninterest income | $664,000 | 4,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 3,726 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $326,000 | 3,748 |
| Total noninterest expense | $3,125,000 | 3,961 |
| Salaries and employee benefits | $1,617,000 | 3,984 |
| Premises and equipment expense | $465,000 | 3,944 |
| Additional noninterest expense | $1,043,000 | 3,747 |
| Pre-tax net operating income | $1,151,000 | 5,380 |
| Securities gains (losses) | $-8,000 | 9,909 |
| Applicable income taxes | $377,000 | 5,071 |
| Income before extraordinary items | $766,000 | 5,597 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $766,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,899 |
| Cash dividends | $335,000 | 4,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $771,360 | 5,535 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,829,000 | 4,668 |
| Total interest expense | $2,845,000 | 5,007 |
| Net interest income | $3,984,000 | 4,341 |
| Provision for loan and lease losses | $477,000 | 1,809 |
| Total noninterest income | $676,000 | 4,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $336,000 | 3,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $340,000 | 3,773 |
| Total noninterest expense | $3,524,000 | 3,750 |
| Salaries and employee benefits | $1,682,000 | 3,884 |
| Premises and equipment expense | $556,000 | 3,451 |
| Additional noninterest expense | $1,286,000 | 3,564 |
| Pre-tax net operating income | $659,000 | 7,115 |
| Securities gains (losses) | $20,000 | 2,000 |
| Applicable income taxes | $203,000 | 7,091 |
| Income before extraordinary items | $476,000 | 7,068 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $476,000 | 7,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $697,000 | 1,116 |
| Cash dividends | $248,000 | 5,015 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 925 |
| Net operating income | $462,000 | 7,102 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,021,000 | 4,543 |
| Total interest expense | $3,056,000 | 4,679 |
| Net interest income | $3,965,000 | 4,345 |
| Provision for loan and lease losses | $210,000 | 2,900 |
| Total noninterest income | $654,000 | 4,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,807 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $308,000 | 3,935 |
| Total noninterest expense | $3,344,000 | 3,901 |
| Salaries and employee benefits | $1,731,000 | 3,767 |
| Premises and equipment expense | $458,000 | 4,060 |
| Additional noninterest expense | $1,155,000 | 3,871 |
| Pre-tax net operating income | $1,065,000 | 5,732 |
| Securities gains (losses) | $51,000 | 1,292 |
| Applicable income taxes | $335,000 | 5,600 |
| Income before extraordinary items | $781,000 | 5,537 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $781,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,764 |
| Cash dividends | $248,000 | 5,038 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 780 |
| Net operating income | $745,300 | 5,716 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,086,000 | 4,797 |
| Total interest expense | $2,046,000 | 5,505 |
| Net interest income | $4,040,000 | 4,334 |
| Provision for loan and lease losses | $285,000 | 2,374 |
| Total noninterest income | $580,000 | 4,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,452 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,217 |
| Total noninterest expense | $3,039,000 | 4,356 |
| Salaries and employee benefits | $1,599,000 | 4,052 |
| Premises and equipment expense | $399,000 | 4,592 |
| Additional noninterest expense | $1,041,000 | 4,563 |
| Pre-tax net operating income | $1,296,000 | 4,951 |
| Securities gains (losses) | $55,000 | 1,094 |
| Applicable income taxes | $460,000 | 4,312 |
| Income before extraordinary items | $891,000 | 4,959 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $891,000 | 4,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,108 |
| Cash dividends | $248,000 | 4,996 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 833 |
| Net operating income | $854,700 | 5,146 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,304,000 | 4,749 |
| Total interest expense | $2,497,000 | 4,811 |
| Net interest income | $3,807,000 | 4,603 |
| Provision for loan and lease losses | $420,000 | 2,359 |
| Total noninterest income | $528,000 | 5,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,691 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $248,000 | 5,030 |
| Total noninterest expense | $2,576,000 | 5,133 |
| Salaries and employee benefits | $1,325,000 | 4,795 |
| Premises and equipment expense | $285,000 | 6,106 |
| Additional noninterest expense | $966,000 | 5,067 |
| Pre-tax net operating income | $1,339,000 | 4,760 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $450,000 | 4,588 |
| Income before extraordinary items | $889,000 | 5,146 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $889,000 | 5,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,869 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,203 |
| Net operating income | $889,000 | 4,924 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,698,000 | 5,011 |
| Total interest expense | $3,286,000 | 4,796 |
| Net interest income | $3,412,000 | 5,117 |
| Provision for loan and lease losses | $380,000 | 3,569 |
| Total noninterest income | $352,000 | 7,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,771 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,942 |
| Total noninterest expense | $2,347,000 | 5,596 |
| Salaries and employee benefits | $1,140,000 | 5,420 |
| Premises and equipment expense | $327,000 | 5,633 |
| Additional noninterest expense | $880,000 | 5,629 |
| Pre-tax net operating income | $1,037,000 | 5,485 |
| Securities gains (losses) | $42,000 | 4,413 |
| Applicable income taxes | $356,000 | 5,267 |
| Income before extraordinary items | $723,000 | 5,790 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $723,000 | 5,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 4,225 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $694,860 | 5,627 |
* 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.