Home > Laurel Savings Bank > Income and Expense
Laurel Savings Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,521,000 | 2,498 |
| Total interest expense | $3,889,000 | 1,952 |
| Net interest income | $3,632,000 | 3,045 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $615,000 | 3,071 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $308,000 | 2,611 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $307,000 | 2,975 |
| Total noninterest expense | $3,300,000 | 2,661 |
| Salaries and employee benefits | $1,499,000 | 3,116 |
| Premises and equipment expense | $413,000 | 2,919 |
| Additional noninterest expense | $1,388,000 | 1,878 |
| Pre-tax net operating income | $947,000 | 3,927 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $243,000 | 3,346 |
| Income before extraordinary items | $704,000 | 4,050 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $704,000 | 4,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $800,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $704,000 | 4,037 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,672,000 | 2,508 |
| Total interest expense | $1,854,000 | 1,952 |
| Net interest income | $1,818,000 | 3,027 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $311,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $152,000 | 2,572 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $159,000 | 2,870 |
| Total noninterest expense | $1,445,000 | 2,975 |
| Salaries and employee benefits | $757,000 | 3,119 |
| Premises and equipment expense | $206,000 | 2,949 |
| Additional noninterest expense | $482,000 | 2,617 |
| Pre-tax net operating income | $684,000 | 3,013 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $196,000 | 2,634 |
| Income before extraordinary items | $488,000 | 3,224 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $488,000 | 3,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $488,000 | 3,199 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,194,000 | 2,329 |
| Total interest expense | $6,705,000 | 1,693 |
| Net interest income | $7,489,000 | 2,864 |
| Provision for loan and lease losses | $3,000 | 7,042 |
| Total noninterest income | $1,340,000 | 2,889 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $683,000 | 2,395 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $657,000 | 2,885 |
| Total noninterest expense | $5,930,000 | 2,781 |
| Salaries and employee benefits | $2,912,000 | 3,048 |
| Premises and equipment expense | $835,000 | 2,785 |
| Additional noninterest expense | $2,183,000 | 2,293 |
| Pre-tax net operating income | $2,896,000 | 2,836 |
| Securities gains (losses) | $15,000 | 1,350 |
| Applicable income taxes | $706,000 | 2,797 |
| Income before extraordinary items | $2,205,000 | 2,845 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,205,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,996 |
| Cash dividends | $1,400,000 | 1,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,193,600 | 2,824 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,580,000 | 2,298 |
| Total interest expense | $4,926,000 | 1,640 |
| Net interest income | $5,654,000 | 2,825 |
| Provision for loan and lease losses | $3,000 | 6,812 |
| Total noninterest income | $1,029,000 | 2,855 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $517,000 | 2,372 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $512,000 | 2,841 |
| Total noninterest expense | $4,483,000 | 2,739 |
| Salaries and employee benefits | $2,201,000 | 2,989 |
| Premises and equipment expense | $631,000 | 2,748 |
| Additional noninterest expense | $1,651,000 | 2,239 |
| Pre-tax net operating income | $2,197,000 | 2,848 |
| Securities gains (losses) | $15,000 | 1,338 |
| Applicable income taxes | $504,000 | 2,919 |
| Income before extraordinary items | $1,708,000 | 2,812 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,708,000 | 2,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,839 |
| Cash dividends | $900,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,696,450 | 2,793 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,014,000 | 2,248 |
| Total interest expense | $3,215,000 | 1,567 |
| Net interest income | $3,799,000 | 2,778 |
| Provision for loan and lease losses | $3,000 | 6,494 |
| Total noninterest income | $698,000 | 2,773 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $345,000 | 2,335 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $353,000 | 2,753 |
| Total noninterest expense | $3,021,000 | 2,676 |
| Salaries and employee benefits | $1,453,000 | 3,010 |
| Premises and equipment expense | $415,000 | 2,747 |
| Additional noninterest expense | $1,153,000 | 2,133 |
| Pre-tax net operating income | $1,473,000 | 2,798 |
| Securities gains (losses) | $15,000 | 1,210 |
| Applicable income taxes | $372,000 | 2,726 |
| Income before extraordinary items | $1,116,000 | 2,836 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,116,000 | 2,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,104,750 | 2,823 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,526,000 | 2,194 |
| Total interest expense | $1,578,000 | 1,518 |
| Net interest income | $1,948,000 | 2,715 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $343,000 | 2,758 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $172,000 | 2,285 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $171,000 | 2,745 |
| Total noninterest expense | $1,488,000 | 2,733 |
| Salaries and employee benefits | $720,000 | 3,054 |
| Premises and equipment expense | $203,000 | 2,848 |
| Additional noninterest expense | $565,000 | 2,163 |
| Pre-tax net operating income | $800,000 | 2,573 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $253,000 | 2,254 |
| Income before extraordinary items | $547,000 | 2,821 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $547,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $547,000 | 2,769 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,179,000 | 2,185 |
| Total interest expense | $5,977,000 | 1,371 |
| Net interest income | $7,202,000 | 2,815 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $1,436,000 | 2,761 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $771,000 | 2,211 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $665,000 | 2,798 |
| Total noninterest expense | $5,899,000 | 2,695 |
| Salaries and employee benefits | $2,776,000 | 3,060 |
| Premises and equipment expense | $785,000 | 2,833 |
| Additional noninterest expense | $2,338,000 | 2,088 |
| Pre-tax net operating income | $2,727,000 | 2,794 |
| Securities gains (losses) | $21,000 | 2,362 |
| Applicable income taxes | $813,000 | 2,505 |
| Income before extraordinary items | $1,935,000 | 2,999 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,935,000 | 2,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,277 |
| Cash dividends | $1,800,000 | 1,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,920,300 | 2,965 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,756,000 | 2,187 |
| Total interest expense | $4,416,000 | 1,359 |
| Net interest income | $5,340,000 | 2,816 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $1,082,000 | 2,769 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $578,000 | 2,229 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $504,000 | 2,787 |
| Total noninterest expense | $4,414,000 | 2,669 |
| Salaries and employee benefits | $2,095,000 | 3,001 |
| Premises and equipment expense | $580,000 | 2,872 |
| Additional noninterest expense | $1,739,000 | 2,078 |
| Pre-tax net operating income | $1,999,000 | 2,888 |
| Securities gains (losses) | $21,000 | 2,274 |
| Applicable income taxes | $587,000 | 2,601 |
| Income before extraordinary items | $1,433,000 | 3,072 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,433,000 | 3,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $1,400,000 | 1,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,418,090 | 3,034 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,430,000 | 2,176 |
| Total interest expense | $2,899,000 | 1,371 |
| Net interest income | $3,531,000 | 2,822 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $721,000 | 2,777 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $379,000 | 2,249 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $342,000 | 2,769 |
| Total noninterest expense | $2,982,000 | 2,623 |
| Salaries and employee benefits | $1,412,000 | 2,992 |
| Premises and equipment expense | $378,000 | 2,929 |
| Additional noninterest expense | $1,192,000 | 2,011 |
| Pre-tax net operating income | $1,264,000 | 2,986 |
| Securities gains (losses) | $21,000 | 2,004 |
| Applicable income taxes | $363,000 | 2,736 |
| Income before extraordinary items | $922,000 | 3,140 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $922,000 | 3,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,684 |
| Cash dividends | $900,000 | 1,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $906,880 | 3,114 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,315,000 | 2,108 |
| Total interest expense | $1,471,000 | 1,361 |
| Net interest income | $1,844,000 | 2,684 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $341,000 | 2,834 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $183,000 | 2,254 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $158,000 | 2,848 |
| Total noninterest expense | $1,526,000 | 2,587 |
| Salaries and employee benefits | $766,000 | 2,802 |
| Premises and equipment expense | $182,000 | 3,056 |
| Additional noninterest expense | $578,000 | 2,040 |
| Pre-tax net operating income | $656,000 | 2,855 |
| Securities gains (losses) | $21,000 | 1,679 |
| Applicable income taxes | $209,000 | 2,512 |
| Income before extraordinary items | $468,000 | 3,098 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $468,000 | 3,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,707 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $453,510 | 3,065 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,053,000 | 2,020 |
| Total interest expense | $6,826,000 | 1,301 |
| Net interest income | $7,227,000 | 2,677 |
| Provision for loan and lease losses | $12,000 | 7,277 |
| Total noninterest income | $1,190,000 | 3,319 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $993,000 | 1,726 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $197,000 | 5,315 |
| Total noninterest expense | $5,631,000 | 2,757 |
| Salaries and employee benefits | $2,575,000 | 3,193 |
| Premises and equipment expense | $720,000 | 3,014 |
| Additional noninterest expense | $2,336,000 | 2,063 |
| Pre-tax net operating income | $2,774,000 | 2,666 |
| Securities gains (losses) | $44,000 | 2,634 |
| Applicable income taxes | $777,000 | 2,591 |
| Income before extraordinary items | $2,041,000 | 2,820 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,041,000 | 2,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,670 |
| Cash dividends | $1,900,000 | 1,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,009,320 | 2,726 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,915,000 | 1,975 |
| Total interest expense | $5,294,000 | 1,311 |
| Net interest income | $5,621,000 | 2,589 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $866,000 | 3,454 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $752,000 | 1,730 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $114,000 | 5,828 |
| Total noninterest expense | $4,116,000 | 2,819 |
| Salaries and employee benefits | $1,839,000 | 3,320 |
| Premises and equipment expense | $512,000 | 3,156 |
| Additional noninterest expense | $1,765,000 | 2,027 |
| Pre-tax net operating income | $2,362,000 | 2,495 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $707,000 | 2,371 |
| Income before extraordinary items | $1,655,000 | 2,746 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,655,000 | 2,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,184 |
| Cash dividends | $1,500,000 | 1,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,655,000 | 2,600 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,448,000 | 1,954 |
| Total interest expense | $3,594,000 | 1,335 |
| Net interest income | $3,854,000 | 2,521 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $462,000 | 3,925 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $418,000 | 2,009 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $44,000 | 6,789 |
| Total noninterest expense | $2,642,000 | 2,922 |
| Salaries and employee benefits | $1,156,000 | 3,470 |
| Premises and equipment expense | $346,000 | 3,105 |
| Additional noninterest expense | $1,140,000 | 2,095 |
| Pre-tax net operating income | $1,658,000 | 2,387 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $494,000 | 2,336 |
| Income before extraordinary items | $1,164,000 | 2,648 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,164,000 | 2,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $1,000,000 | 1,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,164,000 | 2,496 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,564,000 | 2,062 |
| Total interest expense | $1,776,000 | 1,383 |
| Net interest income | $1,788,000 | 2,707 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $203,000 | 4,124 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $102,000 | 3,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $101,000 | 3,918 |
| Total noninterest expense | $1,153,000 | 3,271 |
| Salaries and employee benefits | $502,000 | 3,887 |
| Premises and equipment expense | $191,000 | 2,867 |
| Additional noninterest expense | $461,000 | 2,514 |
| Pre-tax net operating income | $835,000 | 2,390 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $247,000 | 2,335 |
| Income before extraordinary items | $588,000 | 2,586 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $588,000 | 2,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $500,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $588,000 | 2,448 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,788,000 | 1,958 |
| Total interest expense | $8,172,000 | 1,376 |
| Net interest income | $7,616,000 | 2,516 |
| Provision for loan and lease losses | $15,000 | 7,642 |
| Total noninterest income | $779,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $470,000 | 3,129 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $309,000 | 4,193 |
| Total noninterest expense | $3,966,000 | 3,583 |
| Salaries and employee benefits | $1,796,000 | 4,097 |
| Premises and equipment expense | $471,000 | 4,118 |
| Additional noninterest expense | $1,699,000 | 2,669 |
| Pre-tax net operating income | $4,414,000 | 1,831 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $1,400,000 | 1,747 |
| Income before extraordinary items | $3,018,000 | 1,988 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,018,000 | 1,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,606 |
| Cash dividends | $2,274,000 | 1,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,015,280 | 1,926 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $17,623,000 | 1,941 |
| Total interest expense | $9,724,000 | 1,670 |
| Net interest income | $7,899,000 | 2,271 |
| Provision for loan and lease losses | $18,000 | 7,646 |
| Total noninterest income | $796,000 | 3,863 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $482,000 | 2,928 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $314,000 | 4,015 |
| Total noninterest expense | $3,818,000 | 3,570 |
| Salaries and employee benefits | $1,743,000 | 4,013 |
| Premises and equipment expense | $478,000 | 4,045 |
| Additional noninterest expense | $1,597,000 | 2,724 |
| Pre-tax net operating income | $4,859,000 | 1,483 |
| Securities gains (losses) | $78,000 | 1,967 |
| Applicable income taxes | $1,539,000 | 1,467 |
| Income before extraordinary items | $3,398,000 | 1,565 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,398,000 | 1,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $2,045,000 | 1,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,344,180 | 1,516 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,877,000 | 1,973 |
| Total interest expense | $9,691,000 | 1,770 |
| Net interest income | $8,186,000 | 2,169 |
| Provision for loan and lease losses | $18,000 | 7,686 |
| Total noninterest income | $1,075,000 | 2,983 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $486,000 | 2,762 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $589,000 | 2,659 |
| Total noninterest expense | $3,805,000 | 3,465 |
| Salaries and employee benefits | $1,729,000 | 3,898 |
| Premises and equipment expense | $464,000 | 4,026 |
| Additional noninterest expense | $1,612,000 | 2,645 |
| Pre-tax net operating income | $5,438,000 | 1,363 |
| Securities gains (losses) | $58,000 | 685 |
| Applicable income taxes | $1,722,000 | 1,340 |
| Income before extraordinary items | $3,774,000 | 1,400 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,774,000 | 1,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,343 |
| Cash dividends | $4,037,000 | 743 |
| Sale, conversion, retirement of capital stock, net | $-32,000 | 9,755 |
| Net operating income | $3,733,980 | 1,407 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,948,000 | 2,034 |
| Total interest expense | $8,125,000 | 1,827 |
| Net interest income | $7,823,000 | 2,248 |
| Provision for loan and lease losses | $18,000 | 7,756 |
| Total noninterest income | $615,000 | 4,356 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $450,000 | 2,890 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $165,000 | 5,379 |
| Total noninterest expense | $3,689,000 | 3,553 |
| Salaries and employee benefits | $1,616,000 | 4,089 |
| Premises and equipment expense | $486,000 | 3,860 |
| Additional noninterest expense | $1,587,000 | 2,733 |
| Pre-tax net operating income | $4,731,000 | 1,590 |
| Securities gains (losses) | $71,000 | 861 |
| Applicable income taxes | $1,546,000 | 1,557 |
| Income before extraordinary items | $3,256,000 | 1,642 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,256,000 | 1,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,882 |
| Cash dividends | $2,308,000 | 1,211 |
| Sale, conversion, retirement of capital stock, net | $-161,000 | 10,111 |
| Net operating income | $3,207,720 | 1,635 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,899,000 | 2,046 |
| Total interest expense | $8,078,000 | 1,888 |
| Net interest income | $7,821,000 | 2,184 |
| Provision for loan and lease losses | $18,000 | 7,833 |
| Total noninterest income | $682,000 | 4,058 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $494,000 | 2,585 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $188,000 | 5,122 |
| Total noninterest expense | $3,906,000 | 3,274 |
| Salaries and employee benefits | $1,571,000 | 4,096 |
| Premises and equipment expense | $408,000 | 4,358 |
| Additional noninterest expense | $1,927,000 | 2,177 |
| Pre-tax net operating income | $4,579,000 | 1,613 |
| Securities gains (losses) | $365,000 | 665 |
| Applicable income taxes | $1,733,000 | 1,433 |
| Income before extraordinary items | $3,211,000 | 1,640 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,211,000 | 1,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 9,907 |
| Cash dividends | $1,549,000 | 1,615 |
| Sale, conversion, retirement of capital stock, net | $-100,000 | 10,336 |
| Net operating income | $2,973,750 | 1,695 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,654,000 | 2,087 |
| Total interest expense | $7,991,000 | 1,933 |
| Net interest income | $7,663,000 | 2,291 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $592,000 | 4,452 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $443,000 | 2,941 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $149,000 | 5,702 |
| Total noninterest expense | $3,696,000 | 3,417 |
| Salaries and employee benefits | $1,634,000 | 3,956 |
| Premises and equipment expense | $391,000 | 4,520 |
| Additional noninterest expense | $1,671,000 | 2,469 |
| Pre-tax net operating income | $4,535,000 | 1,693 |
| Securities gains (losses) | $68,000 | 1,163 |
| Applicable income taxes | $1,689,000 | 1,533 |
| Income before extraordinary items | $2,914,000 | 1,819 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,914,000 | 1,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,357 |
| Cash dividends | $2,326,000 | 1,143 |
| Sale, conversion, retirement of capital stock, net | $-51,000 | 10,755 |
| Net operating income | $2,870,480 | 1,797 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,053,000 | 2,241 |
| Total interest expense | $7,383,000 | 2,125 |
| Net interest income | $7,670,000 | 2,351 |
| Provision for loan and lease losses | $27,000 | 7,576 |
| Total noninterest income | $480,000 | 5,303 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $317,000 | 4,060 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $163,000 | 5,724 |
| Total noninterest expense | $4,762,000 | 2,870 |
| Salaries and employee benefits | $1,576,000 | 4,124 |
| Premises and equipment expense | $374,000 | 4,781 |
| Additional noninterest expense | $2,812,000 | 1,844 |
| Pre-tax net operating income | $3,361,000 | 2,126 |
| Securities gains (losses) | $90,000 | 1,006 |
| Applicable income taxes | $1,277,000 | 1,894 |
| Income before extraordinary items | $2,174,000 | 2,270 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,174,000 | 2,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $456,000 | 3,601 |
| Sale, conversion, retirement of capital stock, net | $-17,000 | 11,309 |
| Net operating income | $2,116,400 | 2,273 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,615,000 | 2,306 |
| Total interest expense | $7,096,000 | 2,194 |
| Net interest income | $7,519,000 | 2,391 |
| Provision for loan and lease losses | $68,000 | 5,482 |
| Total noninterest income | $387,000 | 6,105 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $281,000 | 4,520 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $106,000 | 7,051 |
| Total noninterest expense | $3,848,000 | 3,443 |
| Salaries and employee benefits | $1,586,000 | 4,076 |
| Premises and equipment expense | $326,000 | 5,292 |
| Additional noninterest expense | $1,936,000 | 2,465 |
| Pre-tax net operating income | $3,990,000 | 1,854 |
| Securities gains (losses) | $125,000 | 856 |
| Applicable income taxes | $1,590,000 | 1,567 |
| Income before extraordinary items | $2,525,000 | 1,996 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,525,000 | 1,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,457 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,445,000 | 2,030 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,117,000 | 2,324 |
| Total interest expense | $5,832,000 | 2,146 |
| Net interest income | $7,285,000 | 2,479 |
| Provision for loan and lease losses | $85,000 | 4,903 |
| Total noninterest income | $639,000 | 4,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $639,000 | 2,482 |
| Total noninterest expense | $3,686,000 | 3,672 |
| Salaries and employee benefits | $1,630,000 | 3,967 |
| Premises and equipment expense | $763,000 | 2,635 |
| Additional noninterest expense | $1,293,000 | 3,794 |
| Pre-tax net operating income | $4,153,000 | 1,710 |
| Securities gains (losses) | $-202,000 | 11,960 |
| Applicable income taxes | $1,565,000 | 1,494 |
| Income before extraordinary items | $2,386,000 | 2,050 |
| Extraordinary gains, net | $30,000 | 188 |
| Net income | $2,416,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,085 |
| Net operating income | $2,515,280 | 1,940 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,788,000 | 2,251 |
| Total interest expense | $6,457,000 | 2,001 |
| Net interest income | $7,331,000 | 2,441 |
| Provision for loan and lease losses | $265,000 | 3,262 |
| Total noninterest income | $711,000 | 4,388 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $6,000 | 451 |
| Additional Noninterest Income | $705,000 | 2,591 |
| Total noninterest expense | $3,572,000 | 3,844 |
| Salaries and employee benefits | $1,593,000 | 4,044 |
| Premises and equipment expense | $728,000 | 2,775 |
| Additional noninterest expense | $1,251,000 | 4,047 |
| Pre-tax net operating income | $4,205,000 | 1,649 |
| Securities gains (losses) | $19,000 | 4,737 |
| Applicable income taxes | $1,676,000 | 1,416 |
| Income before extraordinary items | $2,548,000 | 1,965 |
| Extraordinary gains, net | $500,000 | 465 |
| Net income | $3,048,000 | 1,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,678 |
| Cash dividends | $220,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 965 |
| Net operating income | $2,535,840 | 1,857 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,689,000 | 2,393 |
| Total interest expense | $7,968,000 | 2,136 |
| Net interest income | $6,721,000 | 2,714 |
| Provision for loan and lease losses | $647,000 | 2,500 |
| Total noninterest income | $617,000 | 4,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-12,000 | 5,212 |
| Additional Noninterest Income | $629,000 | 2,739 |
| Total noninterest expense | $3,527,000 | 3,912 |
| Salaries and employee benefits | $1,505,000 | 4,222 |
| Premises and equipment expense | $673,000 | 3,022 |
| Additional noninterest expense | $1,349,000 | 3,920 |
| Pre-tax net operating income | $3,164,000 | 1,967 |
| Securities gains (losses) | $28,000 | 5,098 |
| Applicable income taxes | $1,383,000 | 1,548 |
| Income before extraordinary items | $1,809,000 | 2,539 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,809,000 | 2,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 3,404 |
| Cash dividends | $180,000 | 5,316 |
| Sale, conversion, retirement of capital stock, net | $142,000 | 781 |
| Net operating income | $1,791,080 | 2,365 |
* 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.