Home > Maryland Permanent Bank & Trust Company > Income and Expense
Maryland Permanent Bank & Trust Company, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,579,000 | 4,744 |
| Total interest expense | $684,000 | 4,229 |
| Net interest income | $895,000 | 5,057 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $103,000 | 5,530 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $66,000 | 4,344 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,687 |
| Total noninterest expense | $933,000 | 4,205 |
| Salaries and employee benefits | $501,000 | 4,277 |
| Premises and equipment expense | $111,000 | 4,639 |
| Additional noninterest expense | $321,000 | 3,687 |
| Pre-tax net operating income | $65,000 | 7,504 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $26,000 | 5,161 |
| Income before extraordinary items | $39,000 | 7,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $39,000 | 7,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,390 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $39,000 | 7,706 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,673,000 | 4,763 |
| Total interest expense | $2,370,000 | 3,963 |
| Net interest income | $3,303,000 | 5,186 |
| Provision for loan and lease losses | $-150,000 | 8,663 |
| Total noninterest income | $448,000 | 5,484 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $233,000 | 4,723 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $215,000 | 5,025 |
| Total noninterest expense | $3,982,000 | 3,873 |
| Salaries and employee benefits | $2,100,000 | 3,986 |
| Premises and equipment expense | $468,000 | 4,379 |
| Additional noninterest expense | $1,414,000 | 3,381 |
| Pre-tax net operating income | $-81,000 | 8,323 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-26,000 | 8,516 |
| Income before extraordinary items | $-55,000 | 8,337 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-55,000 | 8,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-377,000 | 8,771 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-55,000 | 8,309 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,109,000 | 4,835 |
| Total interest expense | $1,740,000 | 3,892 |
| Net interest income | $2,369,000 | 5,348 |
| Provision for loan and lease losses | $-150,000 | 8,728 |
| Total noninterest income | $320,000 | 5,624 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $174,000 | 4,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $146,000 | 5,238 |
| Total noninterest expense | $2,896,000 | 3,936 |
| Salaries and employee benefits | $1,508,000 | 4,076 |
| Premises and equipment expense | $363,000 | 4,258 |
| Additional noninterest expense | $1,025,000 | 3,439 |
| Pre-tax net operating income | $-57,000 | 8,391 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-22,000 | 8,637 |
| Income before extraordinary items | $-35,000 | 8,390 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-35,000 | 8,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-307,000 | 8,781 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-35,000 | 8,366 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 4,870 |
| Total interest expense | $1,115,000 | 3,828 |
| Net interest income | $1,539,000 | 5,418 |
| Provision for loan and lease losses | $-150,000 | 8,754 |
| Total noninterest income | $230,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $116,000 | 4,726 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $114,000 | 4,928 |
| Total noninterest expense | $1,915,000 | 3,954 |
| Salaries and employee benefits | $966,000 | 4,182 |
| Premises and equipment expense | $256,000 | 4,076 |
| Additional noninterest expense | $693,000 | 3,391 |
| Pre-tax net operating income | $4,000 | 8,333 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,000 | 6,722 |
| Income before extraordinary items | $1,000 | 8,369 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,000 | 8,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-202,000 | 8,761 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,000 | 8,338 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,269,000 | 4,999 |
| Total interest expense | $529,000 | 3,874 |
| Net interest income | $740,000 | 5,571 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $131,000 | 5,062 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $65,000 | 4,425 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $66,000 | 4,568 |
| Total noninterest expense | $860,000 | 4,313 |
| Salaries and employee benefits | $465,000 | 4,323 |
| Premises and equipment expense | $137,000 | 3,911 |
| Additional noninterest expense | $258,000 | 4,260 |
| Pre-tax net operating income | $11,000 | 8,343 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,000 | 6,466 |
| Income before extraordinary items | $7,000 | 8,391 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $7,000 | 8,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,595 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $7,000 | 8,364 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,778,000 | 4,998 |
| Total interest expense | $1,688,000 | 4,163 |
| Net interest income | $3,090,000 | 5,323 |
| Provision for loan and lease losses | $-500,000 | 8,903 |
| Total noninterest income | $361,000 | 6,016 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $213,000 | 5,098 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $148,000 | 5,715 |
| Total noninterest expense | $3,676,000 | 4,005 |
| Salaries and employee benefits | $2,120,000 | 3,803 |
| Premises and equipment expense | $490,000 | 4,151 |
| Additional noninterest expense | $1,066,000 | 4,126 |
| Pre-tax net operating income | $275,000 | 7,528 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $256,000 | 4,431 |
| Income before extraordinary items | $19,000 | 8,382 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $19,000 | 8,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-92,000 | 8,786 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $19,000 | 8,348 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,528,000 | 5,032 |
| Total interest expense | $1,217,000 | 4,238 |
| Net interest income | $2,311,000 | 5,328 |
| Provision for loan and lease losses | $-250,000 | 8,936 |
| Total noninterest income | $248,000 | 6,235 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $163,000 | 5,094 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $85,000 | 6,209 |
| Total noninterest expense | $2,525,000 | 4,268 |
| Salaries and employee benefits | $1,469,000 | 4,019 |
| Premises and equipment expense | $361,000 | 4,199 |
| Additional noninterest expense | $695,000 | 4,556 |
| Pre-tax net operating income | $284,000 | 7,304 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $105,000 | 5,284 |
| Income before extraordinary items | $179,000 | 7,601 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $179,000 | 7,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,062 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $179,000 | 7,545 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,301,000 | 5,106 |
| Total interest expense | $805,000 | 4,269 |
| Net interest income | $1,496,000 | 5,418 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $147,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $108,000 | 5,108 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $39,000 | 6,845 |
| Total noninterest expense | $1,640,000 | 4,382 |
| Salaries and employee benefits | $983,000 | 4,039 |
| Premises and equipment expense | $236,000 | 4,257 |
| Additional noninterest expense | $421,000 | 4,885 |
| Pre-tax net operating income | $3,000 | 8,498 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-2,000 | 8,725 |
| Income before extraordinary items | $5,000 | 8,538 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,000 | 8,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $5,000 | 8,489 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,201,000 | 4,993 |
| Total interest expense | $410,000 | 4,248 |
| Net interest income | $791,000 | 5,250 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $85,000 | 6,150 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 4,803 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $25,000 | 6,426 |
| Total noninterest expense | $866,000 | 4,217 |
| Salaries and employee benefits | $490,000 | 4,073 |
| Premises and equipment expense | $114,000 | 4,394 |
| Additional noninterest expense | $262,000 | 4,155 |
| Pre-tax net operating income | $10,000 | 8,435 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $8,000 | 8,496 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $8,000 | 8,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $8,000 | 8,435 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,158,000 | 4,783 |
| Total interest expense | $2,322,000 | 3,544 |
| Net interest income | $2,836,000 | 5,484 |
| Provision for loan and lease losses | $-700,000 | 9,137 |
| Total noninterest income | $348,000 | 6,271 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $199,000 | 5,275 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $149,000 | 5,835 |
| Total noninterest expense | $3,798,000 | 3,857 |
| Salaries and employee benefits | $1,963,000 | 3,989 |
| Premises and equipment expense | $503,000 | 4,033 |
| Additional noninterest expense | $1,332,000 | 3,423 |
| Pre-tax net operating income | $86,000 | 8,253 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $27,000 | 6,667 |
| Income before extraordinary items | $59,000 | 8,421 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $59,000 | 8,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-837,000 | 9,173 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $59,000 | 8,319 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,103,000 | 4,641 |
| Total interest expense | $1,886,000 | 3,437 |
| Net interest income | $2,217,000 | 5,368 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $269,000 | 6,241 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $155,000 | 5,235 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $114,000 | 5,828 |
| Total noninterest expense | $2,604,000 | 4,116 |
| Salaries and employee benefits | $1,397,000 | 4,157 |
| Premises and equipment expense | $378,000 | 4,030 |
| Additional noninterest expense | $829,000 | 3,968 |
| Pre-tax net operating income | $-118,000 | 8,768 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-51,000 | 9,020 |
| Income before extraordinary items | $-67,000 | 8,810 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-67,000 | 8,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-754,000 | 9,225 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-67,000 | 8,737 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,883,000 | 4,509 |
| Total interest expense | $1,367,000 | 3,317 |
| Net interest income | $1,516,000 | 5,292 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $178,000 | 6,254 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $109,000 | 5,055 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $69,000 | 6,016 |
| Total noninterest expense | $1,697,000 | 4,195 |
| Salaries and employee benefits | $938,000 | 4,122 |
| Premises and equipment expense | $248,000 | 4,072 |
| Additional noninterest expense | $511,000 | 4,174 |
| Pre-tax net operating income | $-3,000 | 8,688 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-5,000 | 8,956 |
| Income before extraordinary items | $2,000 | 8,749 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,000 | 8,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-532,000 | 9,252 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,000 | 8,638 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,374,000 | 4,685 |
| Total interest expense | $723,000 | 3,222 |
| Net interest income | $651,000 | 5,782 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $86,000 | 6,248 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $55,000 | 4,963 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $913,000 | 3,949 |
| Salaries and employee benefits | $512,000 | 3,835 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $281,000 | 3,856 |
| Pre-tax net operating income | $-176,000 | 9,066 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-69,000 | 9,199 |
| Income before extraordinary items | $-107,000 | 9,040 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-107,000 | 9,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-558,000 | 9,304 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-107,000 | 8,969 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,028,000 | 4,540 |
| Total interest expense | $3,437,000 | 3,157 |
| Net interest income | $2,591,000 | 5,789 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $480,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $236,000 | 4,836 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $244,000 | 4,656 |
| Total noninterest expense | $4,126,000 | 3,483 |
| Salaries and employee benefits | $1,592,000 | 4,470 |
| Premises and equipment expense | $577,000 | 3,527 |
| Additional noninterest expense | $1,957,000 | 2,352 |
| Pre-tax net operating income | $-1,055,000 | 9,131 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-416,000 | 9,228 |
| Income before extraordinary items | $-639,000 | 9,090 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-639,000 | 9,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $943,000 | 1,023 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-639,000 | 9,045 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,848,000 | 3,690 |
| Total interest expense | $5,507,000 | 2,883 |
| Net interest income | $3,341,000 | 4,706 |
| Provision for loan and lease losses | $3,602,000 | 455 |
| Total noninterest income | $342,000 | 6,072 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $233,000 | 4,803 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $109,000 | 6,235 |
| Total noninterest expense | $4,858,000 | 2,895 |
| Salaries and employee benefits | $1,557,000 | 4,380 |
| Premises and equipment expense | $712,000 | 2,902 |
| Additional noninterest expense | $2,589,000 | 1,769 |
| Pre-tax net operating income | $-4,777,000 | 9,565 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-1,681,000 | 9,572 |
| Income before extraordinary items | $-3,096,000 | 9,551 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-3,096,000 | 9,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,796,000 | 448 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-3,096,000 | 9,535 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,629,000 | 2,970 |
| Total interest expense | $6,034,000 | 2,772 |
| Net interest income | $5,595,000 | 3,148 |
| Provision for loan and lease losses | $1,507,000 | 755 |
| Total noninterest income | $2,066,000 | 1,827 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $290,000 | 4,160 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,776,000 | 1,230 |
| Total noninterest expense | $6,714,000 | 2,053 |
| Salaries and employee benefits | $3,069,000 | 2,333 |
| Premises and equipment expense | $754,000 | 2,712 |
| Additional noninterest expense | $2,891,000 | 1,547 |
| Pre-tax net operating income | $-560,000 | 9,567 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-250,000 | 9,722 |
| Income before extraordinary items | $-310,000 | 9,449 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-310,000 | 9,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $644,000 | 1,033 |
| Cash dividends | $394,000 | 4,009 |
| Sale, conversion, retirement of capital stock, net | $3,790,000 | 269 |
| Net operating income | $-310,000 | 9,450 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,625,000 | 3,333 |
| Total interest expense | $4,828,000 | 3,028 |
| Net interest income | $4,797,000 | 3,585 |
| Provision for loan and lease losses | $637,000 | 1,432 |
| Total noninterest income | $2,063,000 | 1,822 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $250,000 | 4,521 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,813,000 | 1,235 |
| Total noninterest expense | $5,682,000 | 2,385 |
| Salaries and employee benefits | $3,146,000 | 2,231 |
| Premises and equipment expense | $606,000 | 3,222 |
| Additional noninterest expense | $1,930,000 | 2,267 |
| Pre-tax net operating income | $541,000 | 6,955 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $210,000 | 5,601 |
| Income before extraordinary items | $331,000 | 7,388 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $331,000 | 7,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,545 |
| Cash dividends | $81,000 | 6,275 |
| Sale, conversion, retirement of capital stock, net | $1,857,000 | 445 |
| Net operating income | $331,000 | 7,363 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,394,000 | 4,754 |
| Total interest expense | $2,724,000 | 5,065 |
| Net interest income | $3,670,000 | 4,415 |
| Provision for loan and lease losses | $410,000 | 2,021 |
| Total noninterest income | $277,000 | 6,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,029 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,535 |
| Total noninterest expense | $2,523,000 | 4,748 |
| Salaries and employee benefits | $1,090,000 | 5,441 |
| Premises and equipment expense | $365,000 | 4,744 |
| Additional noninterest expense | $1,068,000 | 3,728 |
| Pre-tax net operating income | $1,014,000 | 5,371 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $374,000 | 4,598 |
| Income before extraordinary items | $640,000 | 5,866 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $640,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,946 |
| Cash dividends | $219,000 | 5,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $640,000 | 5,754 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,679,000 | 6,062 |
| Total interest expense | $1,921,000 | 6,423 |
| Net interest income | $2,758,000 | 5,654 |
| Provision for loan and lease losses | $361,000 | 2,245 |
| Total noninterest income | $182,000 | 8,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 6,194 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 9,136 |
| Total noninterest expense | $1,686,000 | 6,333 |
| Salaries and employee benefits | $713,000 | 7,245 |
| Premises and equipment expense | $248,000 | 6,083 |
| Additional noninterest expense | $725,000 | 5,081 |
| Pre-tax net operating income | $893,000 | 6,174 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $333,000 | 5,448 |
| Income before extraordinary items | $560,000 | 6,599 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $560,000 | 6,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,457 |
| Cash dividends | $211,000 | 5,255 |
| Sale, conversion, retirement of capital stock, net | $233,000 | 654 |
| Net operating income | $560,000 | 6,545 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,802,000 | 7,051 |
| Total interest expense | $1,585,000 | 7,364 |
| Net interest income | $2,217,000 | 6,732 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $96,000 | 9,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 8,114 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,411 |
| Total noninterest expense | $1,504,000 | 7,098 |
| Salaries and employee benefits | $551,000 | 8,475 |
| Premises and equipment expense | $243,000 | 6,346 |
| Additional noninterest expense | $710,000 | 5,684 |
| Pre-tax net operating income | $569,000 | 7,575 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $187,000 | 7,333 |
| Income before extraordinary items | $382,000 | 7,774 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $382,000 | 7,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,769 |
| Cash dividends | $154,000 | 5,938 |
| Sale, conversion, retirement of capital stock, net | $152,000 | 609 |
| Net operating income | $382,000 | 7,710 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,377,000 | 7,710 |
| Total interest expense | $1,381,000 | 8,030 |
| Net interest income | $1,996,000 | 7,323 |
| Provision for loan and lease losses | $265,000 | 2,457 |
| Total noninterest income | $92,000 | 10,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 8,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,586 |
| Total noninterest expense | $1,485,000 | 7,323 |
| Salaries and employee benefits | $562,000 | 8,629 |
| Premises and equipment expense | $222,000 | 6,802 |
| Additional noninterest expense | $701,000 | 5,839 |
| Pre-tax net operating income | $338,000 | 9,478 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $168,000 | 7,963 |
| Income before extraordinary items | $170,000 | 10,266 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $170,000 | 10,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 1,782 |
| Cash dividends | $101,000 | 6,735 |
| Sale, conversion, retirement of capital stock, net | $196,000 | 486 |
| Net operating income | $170,000 | 10,238 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,636,000 | 8,670 |
| Total interest expense | $957,000 | 8,877 |
| Net interest income | $1,679,000 | 8,359 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $96,000 | 10,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,860 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,301 |
| Total noninterest expense | $1,093,000 | 9,012 |
| Salaries and employee benefits | $509,000 | 9,313 |
| Premises and equipment expense | $164,000 | 8,211 |
| Additional noninterest expense | $420,000 | 8,616 |
| Pre-tax net operating income | $562,000 | 8,235 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $220,000 | 7,005 |
| Income before extraordinary items | $342,000 | 8,698 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $342,000 | 8,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,376 |
| Cash dividends | $65,000 | 7,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $342,000 | 8,764 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,314,000 | 9,538 |
| Total interest expense | $826,000 | 9,898 |
| Net interest income | $1,488,000 | 9,158 |
| Provision for loan and lease losses | $140,000 | 4,819 |
| Total noninterest income | $94,000 | 11,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,937 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 12,609 |
| Total noninterest expense | $943,000 | 10,005 |
| Salaries and employee benefits | $402,000 | 10,608 |
| Premises and equipment expense | $154,000 | 8,798 |
| Additional noninterest expense | $387,000 | 9,405 |
| Pre-tax net operating income | $499,000 | 8,664 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $193,000 | 7,749 |
| Income before extraordinary items | $306,000 | 9,407 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $306,000 | 9,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 5,154 |
| Cash dividends | $32,000 | 8,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $306,000 | 9,152 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,112,000 | 10,673 |
| Total interest expense | $901,000 | 10,871 |
| Net interest income | $1,211,000 | 10,293 |
| Provision for loan and lease losses | $145,000 | 6,193 |
| Total noninterest income | $158,000 | 10,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 7,416 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $801,000 | 10,992 |
| Salaries and employee benefits | $322,000 | 11,769 |
| Premises and equipment expense | $146,000 | 9,235 |
| Additional noninterest expense | $333,000 | 10,407 |
| Pre-tax net operating income | $423,000 | 9,038 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $179,000 | 7,994 |
| Income before extraordinary items | $244,000 | 9,998 |
| Extraordinary gains, net | $20,000 | 1,231 |
| Net income | $264,000 | 9,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 11,020 |
| Cash dividends | $16,000 | 8,560 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 837 |
| Net operating income | $244,000 | 9,631 |
* 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.