Home > Landmark Savings Bank, FSB > Income and Expense
Landmark Savings Bank, FSB, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,708,000 | 5,713 |
| Total interest expense | $2,575,000 | 4,753 |
| Net interest income | $2,133,000 | 6,410 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $699,000 | 4,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $699,000 | 2,771 |
| Total noninterest expense | $1,917,000 | 6,272 |
| Salaries and employee benefits | $1,177,000 | 5,974 |
| Premises and equipment expense | $307,000 | 5,689 |
| Additional noninterest expense | $433,000 | 6,900 |
| Pre-tax net operating income | $915,000 | 5,389 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $344,000 | 3,616 |
| Income before extraordinary items | $571,000 | 5,921 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $571,000 | 5,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,489 |
| Cash dividends | $385,000 | 4,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $571,000 | 5,918 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,483,000 | 5,754 |
| Total interest expense | $1,842,000 | 4,780 |
| Net interest income | $1,641,000 | 6,409 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $521,000 | 4,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $521,000 | 2,787 |
| Total noninterest expense | $1,466,000 | 6,212 |
| Salaries and employee benefits | $900,000 | 5,880 |
| Premises and equipment expense | $237,000 | 5,629 |
| Additional noninterest expense | $329,000 | 6,884 |
| Pre-tax net operating income | $696,000 | 5,542 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $262,000 | 3,759 |
| Income before extraordinary items | $434,000 | 6,072 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $434,000 | 6,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,725 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $434,000 | 6,063 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,282,000 | 5,778 |
| Total interest expense | $1,164,000 | 4,812 |
| Net interest income | $1,118,000 | 6,394 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $304,000 | 4,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $304,000 | 2,988 |
| Total noninterest expense | $995,000 | 6,189 |
| Salaries and employee benefits | $604,000 | 5,897 |
| Premises and equipment expense | $159,000 | 5,628 |
| Additional noninterest expense | $232,000 | 6,757 |
| Pre-tax net operating income | $427,000 | 5,752 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $161,000 | 3,915 |
| Income before extraordinary items | $266,000 | 6,255 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $266,000 | 6,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $266,000 | 6,261 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,113,000 | 5,810 |
| Total interest expense | $553,000 | 4,830 |
| Net interest income | $560,000 | 6,400 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $121,000 | 5,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $121,000 | 3,366 |
| Total noninterest expense | $507,000 | 6,143 |
| Salaries and employee benefits | $309,000 | 5,843 |
| Premises and equipment expense | $81,000 | 5,603 |
| Additional noninterest expense | $117,000 | 6,694 |
| Pre-tax net operating income | $174,000 | 6,116 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $65,000 | 4,153 |
| Income before extraordinary items | $109,000 | 6,582 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $109,000 | 6,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $109,000 | 6,578 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,182,000 | 5,694 |
| Total interest expense | $1,852,000 | 4,666 |
| Net interest income | $2,330,000 | 6,233 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $745,000 | 4,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $745,000 | 2,655 |
| Total noninterest expense | $1,950,000 | 6,197 |
| Salaries and employee benefits | $1,220,000 | 5,741 |
| Premises and equipment expense | $314,000 | 5,597 |
| Additional noninterest expense | $416,000 | 7,006 |
| Pre-tax net operating income | $1,125,000 | 5,051 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $427,000 | 3,597 |
| Income before extraordinary items | $698,000 | 5,676 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $698,000 | 5,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,747 |
| Cash dividends | $590,000 | 3,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $698,000 | 5,657 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,074,000 | 5,725 |
| Total interest expense | $1,353,000 | 4,586 |
| Net interest income | $1,721,000 | 6,304 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $550,000 | 4,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $550,000 | 2,697 |
| Total noninterest expense | $1,441,000 | 6,216 |
| Salaries and employee benefits | $898,000 | 5,776 |
| Premises and equipment expense | $235,000 | 5,609 |
| Additional noninterest expense | $308,000 | 7,039 |
| Pre-tax net operating income | $830,000 | 5,245 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $315,000 | 3,725 |
| Income before extraordinary items | $515,000 | 5,833 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $515,000 | 5,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $390,000 | 3,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $515,000 | 5,802 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,024,000 | 5,712 |
| Total interest expense | $869,000 | 4,537 |
| Net interest income | $1,155,000 | 6,287 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $289,000 | 4,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $289,000 | 3,139 |
| Total noninterest expense | $952,000 | 6,241 |
| Salaries and employee benefits | $593,000 | 5,789 |
| Premises and equipment expense | $161,000 | 5,506 |
| Additional noninterest expense | $198,000 | 7,109 |
| Pre-tax net operating income | $492,000 | 5,515 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $186,000 | 3,908 |
| Income before extraordinary items | $306,000 | 6,076 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $306,000 | 6,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $240,000 | 3,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $306,000 | 6,027 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $982,000 | 5,790 |
| Total interest expense | $419,000 | 4,530 |
| Net interest income | $563,000 | 6,392 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $113,000 | 5,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,504 |
| Total noninterest expense | $474,000 | 6,291 |
| Salaries and employee benefits | $296,000 | 5,815 |
| Premises and equipment expense | $77,000 | 5,676 |
| Additional noninterest expense | $101,000 | 7,119 |
| Pre-tax net operating income | $202,000 | 5,939 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $76,000 | 4,184 |
| Income before extraordinary items | $126,000 | 6,465 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $126,000 | 6,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $120,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $126,000 | 6,426 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,654,000 | 5,843 |
| Total interest expense | $1,588,000 | 4,361 |
| Net interest income | $2,066,000 | 6,532 |
| Provision for loan and lease losses | $-16,000 | 8,689 |
| Total noninterest income | $766,000 | 4,168 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $766,000 | 2,570 |
| Total noninterest expense | $1,933,000 | 6,110 |
| Salaries and employee benefits | $1,177,000 | 5,744 |
| Premises and equipment expense | $359,000 | 5,122 |
| Additional noninterest expense | $397,000 | 7,143 |
| Pre-tax net operating income | $915,000 | 5,452 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $352,000 | 3,923 |
| Income before extraordinary items | $563,000 | 6,097 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $563,000 | 6,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,559 |
| Cash dividends | $720,000 | 2,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $563,000 | 6,027 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,721,000 | 5,855 |
| Total interest expense | $1,177,000 | 4,342 |
| Net interest income | $1,544,000 | 6,558 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $603,000 | 4,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $603,000 | 2,495 |
| Total noninterest expense | $1,441,000 | 6,095 |
| Salaries and employee benefits | $879,000 | 5,727 |
| Premises and equipment expense | $271,000 | 5,082 |
| Additional noninterest expense | $291,000 | 7,167 |
| Pre-tax net operating income | $706,000 | 5,499 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $271,000 | 3,943 |
| Income before extraordinary items | $435,000 | 6,127 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $435,000 | 6,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,993 |
| Cash dividends | $570,000 | 2,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $435,000 | 6,054 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,816,000 | 5,858 |
| Total interest expense | $774,000 | 4,371 |
| Net interest income | $1,042,000 | 6,552 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $399,000 | 4,099 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $399,000 | 2,519 |
| Total noninterest expense | $953,000 | 6,169 |
| Salaries and employee benefits | $576,000 | 5,815 |
| Premises and equipment expense | $181,000 | 5,097 |
| Additional noninterest expense | $196,000 | 7,174 |
| Pre-tax net operating income | $488,000 | 5,369 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $188,000 | 3,895 |
| Income before extraordinary items | $300,000 | 6,038 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $300,000 | 6,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,531 |
| Cash dividends | $420,000 | 2,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $300,000 | 5,954 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $923,000 | 5,851 |
| Total interest expense | $392,000 | 4,399 |
| Net interest income | $531,000 | 6,526 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $178,000 | 4,348 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $178,000 | 2,660 |
| Total noninterest expense | $472,000 | 6,241 |
| Salaries and employee benefits | $283,000 | 5,919 |
| Premises and equipment expense | $93,000 | 5,051 |
| Additional noninterest expense | $96,000 | 7,245 |
| Pre-tax net operating income | $237,000 | 5,411 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $91,000 | 3,946 |
| Income before extraordinary items | $146,000 | 6,075 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $146,000 | 6,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $146,000 | 5,958 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,836,000 | 5,785 |
| Total interest expense | $1,963,000 | 4,090 |
| Net interest income | $1,873,000 | 6,777 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $1,380,000 | 3,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,380,000 | 1,931 |
| Total noninterest expense | $1,963,000 | 6,049 |
| Salaries and employee benefits | $1,133,000 | 5,833 |
| Premises and equipment expense | $359,000 | 5,083 |
| Additional noninterest expense | $471,000 | 6,724 |
| Pre-tax net operating income | $1,260,000 | 4,559 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $500,000 | 3,380 |
| Income before extraordinary items | $760,000 | 5,363 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $760,000 | 5,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,141 |
| Cash dividends | $450,000 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $760,000 | 5,218 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,908,000 | 5,828 |
| Total interest expense | $1,544,000 | 4,043 |
| Net interest income | $1,364,000 | 6,911 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $1,167,000 | 2,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,167,000 | 1,844 |
| Total noninterest expense | $1,460,000 | 6,051 |
| Salaries and employee benefits | $834,000 | 5,874 |
| Premises and equipment expense | $266,000 | 5,120 |
| Additional noninterest expense | $360,000 | 6,644 |
| Pre-tax net operating income | $981,000 | 4,594 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $389,000 | 3,467 |
| Income before extraordinary items | $592,000 | 5,440 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $592,000 | 5,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,784 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $592,000 | 5,250 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,945,000 | 5,845 |
| Total interest expense | $1,084,000 | 3,994 |
| Net interest income | $861,000 | 7,080 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $731,000 | 2,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $731,000 | 1,902 |
| Total noninterest expense | $959,000 | 6,120 |
| Salaries and employee benefits | $549,000 | 5,921 |
| Premises and equipment expense | $174,000 | 5,157 |
| Additional noninterest expense | $236,000 | 6,692 |
| Pre-tax net operating income | $573,000 | 4,959 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $227,000 | 3,717 |
| Income before extraordinary items | $346,000 | 5,763 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $346,000 | 5,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $346,000 | 5,555 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $986,000 | 5,823 |
| Total interest expense | $558,000 | 3,999 |
| Net interest income | $428,000 | 7,095 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $334,000 | 3,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $334,000 | 1,956 |
| Total noninterest expense | $481,000 | 6,126 |
| Salaries and employee benefits | $273,000 | 5,939 |
| Premises and equipment expense | $87,000 | 5,158 |
| Additional noninterest expense | $121,000 | 6,630 |
| Pre-tax net operating income | $251,000 | 5,270 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $99,000 | 3,958 |
| Income before extraordinary items | $152,000 | 5,988 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $152,000 | 5,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,979 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $152,000 | 5,805 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,622,000 | 5,446 |
| Total interest expense | $2,799,000 | 3,745 |
| Net interest income | $1,823,000 | 6,913 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $1,258,000 | 2,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,258,000 | 1,874 |
| Total noninterest expense | $1,861,000 | 6,128 |
| Salaries and employee benefits | $1,091,000 | 5,836 |
| Premises and equipment expense | $311,000 | 5,452 |
| Additional noninterest expense | $459,000 | 6,748 |
| Pre-tax net operating income | $1,100,000 | 4,952 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $437,000 | 3,717 |
| Income before extraordinary items | $663,000 | 5,693 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $663,000 | 5,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,236 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $663,000 | 5,546 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,349,000 | 4,764 |
| Total interest expense | $4,306,000 | 3,582 |
| Net interest income | $2,043,000 | 6,373 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $1,471,000 | 2,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,471,000 | 1,545 |
| Total noninterest expense | $2,062,000 | 5,619 |
| Salaries and employee benefits | $1,269,000 | 5,119 |
| Premises and equipment expense | $312,000 | 5,403 |
| Additional noninterest expense | $481,000 | 6,567 |
| Pre-tax net operating income | $1,332,000 | 4,162 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $528,000 | 3,232 |
| Income before extraordinary items | $804,000 | 4,853 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $804,000 | 4,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,067 |
| Cash dividends | $810,000 | 2,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $804,000 | 4,747 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,710,000 | 4,740 |
| Total interest expense | $4,265,000 | 3,782 |
| Net interest income | $2,445,000 | 5,900 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $850,000 | 3,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $850,000 | 2,074 |
| Total noninterest expense | $2,021,000 | 5,648 |
| Salaries and employee benefits | $1,242,000 | 5,077 |
| Premises and equipment expense | $324,000 | 5,196 |
| Additional noninterest expense | $455,000 | 6,738 |
| Pre-tax net operating income | $1,154,000 | 4,841 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $459,000 | 3,682 |
| Income before extraordinary items | $695,000 | 5,442 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $695,000 | 5,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,031 |
| Cash dividends | $690,000 | 2,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $695,000 | 5,444 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,381,000 | 4,751 |
| Total interest expense | $4,089,000 | 3,522 |
| Net interest income | $2,292,000 | 6,111 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $1,129,000 | 2,821 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,129,000 | 1,717 |
| Total noninterest expense | $2,092,000 | 5,513 |
| Salaries and employee benefits | $1,307,000 | 4,851 |
| Premises and equipment expense | $325,000 | 5,223 |
| Additional noninterest expense | $460,000 | 6,819 |
| Pre-tax net operating income | $1,209,000 | 4,743 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $480,000 | 3,720 |
| Income before extraordinary items | $729,000 | 5,355 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $729,000 | 5,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,686 |
| Cash dividends | $750,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $729,000 | 5,325 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,927,000 | 4,435 |
| Total interest expense | $4,523,000 | 3,286 |
| Net interest income | $2,404,000 | 5,984 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,039,000 | 2,992 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,039,000 | 1,800 |
| Total noninterest expense | $1,984,000 | 5,632 |
| Salaries and employee benefits | $1,245,000 | 4,929 |
| Premises and equipment expense | $299,000 | 5,389 |
| Additional noninterest expense | $440,000 | 6,886 |
| Pre-tax net operating income | $1,339,000 | 4,530 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $533,000 | 3,691 |
| Income before extraordinary items | $806,000 | 5,175 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $806,000 | 5,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,872 |
| Cash dividends | $810,000 | 2,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $806,000 | 5,083 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,376,000 | 4,316 |
| Total interest expense | $4,821,000 | 3,088 |
| Net interest income | $2,555,000 | 5,961 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $575,000 | 4,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $575,000 | 2,568 |
| Total noninterest expense | $1,462,000 | 6,889 |
| Salaries and employee benefits | $844,000 | 6,565 |
| Premises and equipment expense | $207,000 | 6,730 |
| Additional noninterest expense | $411,000 | 7,258 |
| Pre-tax net operating income | $1,548,000 | 4,378 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $615,000 | 3,602 |
| Income before extraordinary items | $933,000 | 4,935 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $933,000 | 4,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,315 |
| Cash dividends | $735,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $-180,000 | 10,799 |
| Net operating income | $933,000 | 4,870 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,266,000 | 3,911 |
| Total interest expense | $5,292,000 | 2,862 |
| Net interest income | $2,974,000 | 5,481 |
| Provision for loan and lease losses | $530,000 | 1,661 |
| Total noninterest income | $617,000 | 4,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $617,000 | 2,520 |
| Total noninterest expense | $2,303,000 | 5,337 |
| Salaries and employee benefits | $894,000 | 6,486 |
| Premises and equipment expense | $221,000 | 6,672 |
| Additional noninterest expense | $1,188,000 | 3,815 |
| Pre-tax net operating income | $758,000 | 6,666 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $256,000 | 6,373 |
| Income before extraordinary items | $502,000 | 6,893 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $502,000 | 6,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,864 |
| Cash dividends | $451,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $502,000 | 6,828 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,688,000 | 4,161 |
| Total interest expense | $5,231,000 | 2,915 |
| Net interest income | $2,457,000 | 6,382 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $498,000 | 5,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $498,000 | 2,886 |
| Total noninterest expense | $1,488,000 | 7,309 |
| Salaries and employee benefits | $758,000 | 7,356 |
| Premises and equipment expense | $213,000 | 6,961 |
| Additional noninterest expense | $517,000 | 7,119 |
| Pre-tax net operating income | $1,347,000 | 4,831 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $501,000 | 4,192 |
| Income before extraordinary items | $846,000 | 5,232 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $846,000 | 5,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,113 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $846,000 | 5,214 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,540,000 | 5,205 |
| Total interest expense | $3,663,000 | 3,326 |
| Net interest income | $1,877,000 | 7,868 |
| Provision for loan and lease losses | $135,000 | 3,817 |
| Total noninterest income | $351,000 | 6,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $351,000 | 3,713 |
| Total noninterest expense | $1,281,000 | 8,314 |
| Salaries and employee benefits | $634,000 | 8,380 |
| Premises and equipment expense | $201,000 | 7,402 |
| Additional noninterest expense | $446,000 | 8,354 |
| Pre-tax net operating income | $812,000 | 6,813 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $335,000 | 5,452 |
| Income before extraordinary items | $477,000 | 7,481 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $477,000 | 7,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,299 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $477,000 | 7,522 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,503,000 | 5,329 |
| Total interest expense | $3,882,000 | 3,247 |
| Net interest income | $1,621,000 | 8,740 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $975,000 | 3,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $975,000 | 2,063 |
| Total noninterest expense | $1,338,000 | 8,378 |
| Salaries and employee benefits | $673,000 | 8,192 |
| Premises and equipment expense | $204,000 | 7,606 |
| Additional noninterest expense | $461,000 | 8,605 |
| Pre-tax net operating income | $1,078,000 | 5,583 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $442,000 | 4,647 |
| Income before extraordinary items | $636,000 | 6,522 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $636,000 | 6,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,468 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,209 |
| Net operating income | $636,000 | 6,278 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,218,000 | 5,327 |
| Total interest expense | $4,485,000 | 3,658 |
| Net interest income | $1,733,000 | 8,551 |
| Provision for loan and lease losses | $251,000 | 4,571 |
| Total noninterest income | $727,000 | 4,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $727,000 | 2,453 |
| Total noninterest expense | $1,246,000 | 8,861 |
| Salaries and employee benefits | $610,000 | 8,721 |
| Premises and equipment expense | $188,000 | 8,127 |
| Additional noninterest expense | $448,000 | 8,986 |
| Pre-tax net operating income | $963,000 | 5,790 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $426,000 | 4,563 |
| Income before extraordinary items | $545,000 | 6,954 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $545,000 | 7,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 3,660 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 851 |
| Net operating income | $539,880 | 6,637 |
* 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.