Metrobank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,954,000 | 1,496 |
| Total interest expense | $5,990,000 | 1,304 |
| Net interest income | $6,964,000 | 1,655 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $2,462,000 | 1,122 |
| Gross Fiduciary activities income | $148,000 | 717 |
| Service charges on deposit accounts | $612,000 | 1,452 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,702,000 | 942 |
| Total noninterest expense | $6,934,000 | 1,314 |
| Salaries and employee benefits | $3,967,000 | 1,251 |
| Premises and equipment expense | $1,085,000 | 1,185 |
| Additional noninterest expense | $1,882,000 | 1,419 |
| Pre-tax net operating income | $2,492,000 | 1,956 |
| Securities gains (losses) | $2,000 | 970 |
| Applicable income taxes | $483,000 | 2,364 |
| Income before extraordinary items | $2,011,000 | 1,820 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,011,000 | 1,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-141,000 | 8,635 |
| Cash dividends | $2,355,000 | 717 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,009,380 | 1,808 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,496,000 | 1,458 |
| Total interest expense | $2,934,000 | 1,276 |
| Net interest income | $3,562,000 | 1,614 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,033,000 | 1,251 |
| Gross Fiduciary activities income | $84,000 | 686 |
| Service charges on deposit accounts | $305,000 | 1,405 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $644,000 | 1,112 |
| Total noninterest expense | $3,558,000 | 1,290 |
| Salaries and employee benefits | $2,032,000 | 1,224 |
| Premises and equipment expense | $539,000 | 1,199 |
| Additional noninterest expense | $987,000 | 1,334 |
| Pre-tax net operating income | $1,037,000 | 2,223 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $177,000 | 2,781 |
| Income before extraordinary items | $860,000 | 2,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $860,000 | 2,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 1,662 |
| Cash dividends | $809,000 | 893 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $860,000 | 2,035 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $24,996,000 | 1,337 |
| Total interest expense | $9,244,000 | 1,225 |
| Net interest income | $15,752,000 | 1,385 |
| Provision for loan and lease losses | $-1,250,000 | 8,786 |
| Total noninterest income | $4,695,000 | 1,138 |
| Gross Fiduciary activities income | $400,000 | 632 |
| Service charges on deposit accounts | $1,331,000 | 1,330 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,964,000 | 1,022 |
| Total noninterest expense | $14,139,000 | 1,226 |
| Salaries and employee benefits | $8,280,000 | 1,118 |
| Premises and equipment expense | $2,141,000 | 1,140 |
| Additional noninterest expense | $3,718,000 | 1,373 |
| Pre-tax net operating income | $7,558,000 | 1,256 |
| Securities gains (losses) | $31,000 | 1,097 |
| Applicable income taxes | $1,842,000 | 1,455 |
| Income before extraordinary items | $5,747,000 | 1,255 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,747,000 | 1,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-174,000 | 8,713 |
| Cash dividends | $9,741,000 | 395 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,723,440 | 1,234 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,552,000 | 1,309 |
| Total interest expense | $6,507,000 | 1,224 |
| Net interest income | $12,045,000 | 1,348 |
| Provision for loan and lease losses | $-1,150,000 | 8,811 |
| Total noninterest income | $3,654,000 | 1,118 |
| Gross Fiduciary activities income | $308,000 | 626 |
| Service charges on deposit accounts | $987,000 | 1,327 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,359,000 | 983 |
| Total noninterest expense | $10,567,000 | 1,218 |
| Salaries and employee benefits | $6,221,000 | 1,104 |
| Premises and equipment expense | $1,601,000 | 1,128 |
| Additional noninterest expense | $2,745,000 | 1,388 |
| Pre-tax net operating income | $6,282,000 | 1,139 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $1,609,000 | 1,309 |
| Income before extraordinary items | $4,677,000 | 1,159 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,677,000 | 1,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-191,000 | 8,741 |
| Cash dividends | $8,971,000 | 311 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,674,040 | 1,136 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,294,000 | 1,281 |
| Total interest expense | $4,154,000 | 1,197 |
| Net interest income | $8,140,000 | 1,323 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $2,544,000 | 1,056 |
| Gross Fiduciary activities income | $221,000 | 613 |
| Service charges on deposit accounts | $630,000 | 1,348 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,693,000 | 922 |
| Total noninterest expense | $6,854,000 | 1,236 |
| Salaries and employee benefits | $4,108,000 | 1,110 |
| Premises and equipment expense | $1,054,000 | 1,136 |
| Additional noninterest expense | $1,692,000 | 1,478 |
| Pre-tax net operating income | $3,830,000 | 1,213 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $965,000 | 1,405 |
| Income before extraordinary items | $2,869,000 | 1,229 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,869,000 | 1,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $8,264,000 | 231 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,866,000 | 1,203 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,238,000 | 1,230 |
| Total interest expense | $2,093,000 | 1,122 |
| Net interest income | $4,145,000 | 1,283 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,059,000 | 1,200 |
| Gross Fiduciary activities income | $111,000 | 624 |
| Service charges on deposit accounts | $298,000 | 1,380 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $650,000 | 1,108 |
| Total noninterest expense | $3,462,000 | 1,227 |
| Salaries and employee benefits | $2,076,000 | 1,099 |
| Premises and equipment expense | $525,000 | 1,153 |
| Additional noninterest expense | $861,000 | 1,453 |
| Pre-tax net operating income | $1,742,000 | 1,322 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $410,000 | 1,580 |
| Income before extraordinary items | $1,332,000 | 1,299 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,332,000 | 1,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $941,000 | 720 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,332,000 | 1,271 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,658,000 | 1,149 |
| Total interest expense | $7,140,000 | 1,135 |
| Net interest income | $17,518,000 | 1,157 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $4,909,000 | 1,091 |
| Gross Fiduciary activities income | $400,000 | 630 |
| Service charges on deposit accounts | $1,369,000 | 1,301 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,140,000 | 945 |
| Total noninterest expense | $14,576,000 | 1,112 |
| Salaries and employee benefits | $8,835,000 | 967 |
| Premises and equipment expense | $1,968,000 | 1,165 |
| Additional noninterest expense | $3,773,000 | 1,318 |
| Pre-tax net operating income | $7,851,000 | 1,123 |
| Securities gains (losses) | $79,000 | 1,404 |
| Applicable income taxes | $1,976,000 | 1,288 |
| Income before extraordinary items | $5,954,000 | 1,088 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,954,000 | 1,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,801 |
| Cash dividends | $3,842,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,894,750 | 1,079 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,497,000 | 1,131 |
| Total interest expense | $5,195,000 | 1,148 |
| Net interest income | $13,302,000 | 1,115 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $3,866,000 | 1,063 |
| Gross Fiduciary activities income | $297,000 | 635 |
| Service charges on deposit accounts | $1,047,000 | 1,280 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,522,000 | 913 |
| Total noninterest expense | $11,096,000 | 1,087 |
| Salaries and employee benefits | $6,719,000 | 948 |
| Premises and equipment expense | $1,473,000 | 1,174 |
| Additional noninterest expense | $2,904,000 | 1,270 |
| Pre-tax net operating income | $6,072,000 | 1,094 |
| Securities gains (losses) | $20,000 | 2,305 |
| Applicable income taxes | $1,537,000 | 1,256 |
| Income before extraordinary items | $4,555,000 | 1,078 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,555,000 | 1,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 8,806 |
| Cash dividends | $3,165,000 | 666 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,540,000 | 1,049 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,398,000 | 1,113 |
| Total interest expense | $3,440,000 | 1,148 |
| Net interest income | $8,958,000 | 1,087 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,742,000 | 1,003 |
| Gross Fiduciary activities income | $206,000 | 632 |
| Service charges on deposit accounts | $690,000 | 1,283 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,846,000 | 853 |
| Total noninterest expense | $7,476,000 | 1,078 |
| Salaries and employee benefits | $4,496,000 | 942 |
| Premises and equipment expense | $1,003,000 | 1,151 |
| Additional noninterest expense | $1,977,000 | 1,223 |
| Pre-tax net operating income | $4,224,000 | 1,027 |
| Securities gains (losses) | $20,000 | 2,036 |
| Applicable income taxes | $1,098,000 | 1,191 |
| Income before extraordinary items | $3,146,000 | 1,050 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,146,000 | 1,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,091 |
| Cash dividends | $2,462,000 | 597 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,131,200 | 1,010 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,326,000 | 1,103 |
| Total interest expense | $1,787,000 | 1,120 |
| Net interest income | $4,539,000 | 1,091 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,304,000 | 1,022 |
| Gross Fiduciary activities income | $102,000 | 643 |
| Service charges on deposit accounts | $349,000 | 1,226 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $853,000 | 882 |
| Total noninterest expense | $3,822,000 | 1,061 |
| Salaries and employee benefits | $2,275,000 | 949 |
| Premises and equipment expense | $501,000 | 1,180 |
| Additional noninterest expense | $1,046,000 | 1,148 |
| Pre-tax net operating income | $2,021,000 | 1,067 |
| Securities gains (losses) | $20,000 | 1,707 |
| Applicable income taxes | $524,000 | 1,252 |
| Income before extraordinary items | $1,517,000 | 1,079 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,517,000 | 1,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,228 |
| Cash dividends | $1,619,000 | 428 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,502,200 | 1,029 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $26,465,000 | 1,069 |
| Total interest expense | $8,371,000 | 1,070 |
| Net interest income | $18,094,000 | 1,058 |
| Provision for loan and lease losses | $1,766,000 | 717 |
| Total noninterest income | $5,806,000 | 1,010 |
| Gross Fiduciary activities income | $416,000 | 622 |
| Service charges on deposit accounts | $1,651,000 | 1,045 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,739,000 | 940 |
| Total noninterest expense | $15,020,000 | 1,084 |
| Salaries and employee benefits | $9,173,000 | 933 |
| Premises and equipment expense | $1,939,000 | 1,166 |
| Additional noninterest expense | $3,908,000 | 1,270 |
| Pre-tax net operating income | $7,114,000 | 1,176 |
| Securities gains (losses) | $140,000 | 1,609 |
| Applicable income taxes | $1,899,000 | 1,334 |
| Income before extraordinary items | $5,355,000 | 1,200 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,355,000 | 1,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,075,000 | 537 |
| Cash dividends | $4,204,000 | 752 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,251,400 | 1,156 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,170,000 | 1,067 |
| Total interest expense | $6,485,000 | 1,074 |
| Net interest income | $13,685,000 | 1,069 |
| Provision for loan and lease losses | $594,000 | 1,426 |
| Total noninterest income | $4,635,000 | 985 |
| Gross Fiduciary activities income | $310,000 | 627 |
| Service charges on deposit accounts | $1,248,000 | 1,042 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,077,000 | 913 |
| Total noninterest expense | $10,806,000 | 1,132 |
| Salaries and employee benefits | $6,602,000 | 986 |
| Premises and equipment expense | $1,447,000 | 1,182 |
| Additional noninterest expense | $2,757,000 | 1,336 |
| Pre-tax net operating income | $6,920,000 | 953 |
| Securities gains (losses) | $131,000 | 1,524 |
| Applicable income taxes | $2,043,000 | 1,041 |
| Income before extraordinary items | $5,008,000 | 1,011 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,008,000 | 1,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $691,000 | 908 |
| Cash dividends | $3,400,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,914,990 | 960 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,760,000 | 1,057 |
| Total interest expense | $4,542,000 | 1,059 |
| Net interest income | $9,218,000 | 1,055 |
| Provision for loan and lease losses | $382,000 | 1,458 |
| Total noninterest income | $3,191,000 | 958 |
| Gross Fiduciary activities income | $198,000 | 640 |
| Service charges on deposit accounts | $817,000 | 1,056 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,176,000 | 866 |
| Total noninterest expense | $7,036,000 | 1,160 |
| Salaries and employee benefits | $4,299,000 | 1,002 |
| Premises and equipment expense | $953,000 | 1,201 |
| Additional noninterest expense | $1,784,000 | 1,384 |
| Pre-tax net operating income | $4,991,000 | 884 |
| Securities gains (losses) | $113,000 | 1,411 |
| Applicable income taxes | $1,516,000 | 980 |
| Income before extraordinary items | $3,588,000 | 940 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,588,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 858 |
| Cash dividends | $2,732,000 | 568 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,508,900 | 884 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,068,000 | 1,036 |
| Total interest expense | $2,387,000 | 1,030 |
| Net interest income | $4,681,000 | 1,035 |
| Provision for loan and lease losses | $171,000 | 1,539 |
| Total noninterest income | $1,386,000 | 1,038 |
| Gross Fiduciary activities income | $99,000 | 653 |
| Service charges on deposit accounts | $398,000 | 1,042 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $889,000 | 972 |
| Total noninterest expense | $3,501,000 | 1,146 |
| Salaries and employee benefits | $2,140,000 | 1,006 |
| Premises and equipment expense | $463,000 | 1,239 |
| Additional noninterest expense | $898,000 | 1,344 |
| Pre-tax net operating income | $2,395,000 | 932 |
| Securities gains (losses) | $110,000 | 950 |
| Applicable income taxes | $743,000 | 1,013 |
| Income before extraordinary items | $1,762,000 | 955 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,762,000 | 954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 1,796 |
| Cash dividends | $2,062,000 | 375 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,685,000 | 924 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $32,235,000 | 941 |
| Total interest expense | $12,605,000 | 896 |
| Net interest income | $19,630,000 | 987 |
| Provision for loan and lease losses | $722,000 | 1,770 |
| Total noninterest income | $5,785,000 | 917 |
| Gross Fiduciary activities income | $363,000 | 666 |
| Service charges on deposit accounts | $1,727,000 | 928 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,695,000 | 873 |
| Total noninterest expense | $13,898,000 | 1,112 |
| Salaries and employee benefits | $8,251,000 | 980 |
| Premises and equipment expense | $2,019,000 | 1,096 |
| Additional noninterest expense | $3,628,000 | 1,332 |
| Pre-tax net operating income | $10,795,000 | 806 |
| Securities gains (losses) | $183,000 | 1,229 |
| Applicable income taxes | $3,185,000 | 878 |
| Income before extraordinary items | $7,793,000 | 817 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,793,000 | 817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $907,000 | 1,063 |
| Cash dividends | $3,735,000 | 784 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,663,070 | 797 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $27,325,000 | 1,256 |
| Total interest expense | $14,083,000 | 1,139 |
| Net interest income | $13,242,000 | 1,336 |
| Provision for loan and lease losses | $117,000 | 5,349 |
| Total noninterest income | $3,694,000 | 1,261 |
| Gross Fiduciary activities income | $407,000 | 658 |
| Service charges on deposit accounts | $1,371,000 | 1,085 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,916,000 | 1,286 |
| Total noninterest expense | $10,255,000 | 1,433 |
| Salaries and employee benefits | $6,125,000 | 1,215 |
| Premises and equipment expense | $1,524,000 | 1,400 |
| Additional noninterest expense | $2,606,000 | 1,759 |
| Pre-tax net operating income | $6,564,000 | 1,130 |
| Securities gains (losses) | $43,000 | 2,496 |
| Applicable income taxes | $1,410,000 | 1,584 |
| Income before extraordinary items | $5,197,000 | 1,058 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,197,000 | 1,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,483 |
| Cash dividends | $2,967,000 | 949 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,163,030 | 1,020 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $26,280,000 | 1,340 |
| Total interest expense | $16,631,000 | 1,062 |
| Net interest income | $9,649,000 | 1,828 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $2,801,000 | 1,434 |
| Gross Fiduciary activities income | $382,000 | 673 |
| Service charges on deposit accounts | $1,053,000 | 1,294 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,366,000 | 1,486 |
| Total noninterest expense | $9,396,000 | 1,480 |
| Salaries and employee benefits | $5,725,000 | 1,241 |
| Premises and equipment expense | $1,400,000 | 1,484 |
| Additional noninterest expense | $2,271,000 | 1,923 |
| Pre-tax net operating income | $3,054,000 | 2,359 |
| Securities gains (losses) | $16,000 | 1,014 |
| Applicable income taxes | $81,000 | 6,783 |
| Income before extraordinary items | $2,989,000 | 1,758 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,989,000 | 1,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,296 |
| Cash dividends | $1,839,000 | 1,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,973,480 | 1,757 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $22,674,000 | 1,436 |
| Total interest expense | $12,650,000 | 1,199 |
| Net interest income | $10,024,000 | 1,735 |
| Provision for loan and lease losses | $55,000 | 6,383 |
| Total noninterest income | $2,564,000 | 1,535 |
| Gross Fiduciary activities income | $343,000 | 743 |
| Service charges on deposit accounts | $941,000 | 1,385 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,280,000 | 1,557 |
| Total noninterest expense | $8,879,000 | 1,556 |
| Salaries and employee benefits | $5,295,000 | 1,313 |
| Premises and equipment expense | $1,319,000 | 1,556 |
| Additional noninterest expense | $2,265,000 | 1,921 |
| Pre-tax net operating income | $3,654,000 | 2,004 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $234,000 | 5,357 |
| Income before extraordinary items | $3,421,000 | 1,564 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,421,000 | 1,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,270 |
| Cash dividends | $2,109,000 | 1,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,420,060 | 1,533 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,978,000 | 1,630 |
| Total interest expense | $10,364,000 | 1,472 |
| Net interest income | $9,614,000 | 1,776 |
| Provision for loan and lease losses | $220,000 | 3,309 |
| Total noninterest income | $2,266,000 | 1,667 |
| Gross Fiduciary activities income | $282,000 | 796 |
| Service charges on deposit accounts | $862,000 | 1,458 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,122,000 | 1,706 |
| Total noninterest expense | $8,183,000 | 1,618 |
| Salaries and employee benefits | $4,742,000 | 1,387 |
| Premises and equipment expense | $1,301,000 | 1,508 |
| Additional noninterest expense | $2,140,000 | 1,981 |
| Pre-tax net operating income | $3,477,000 | 2,077 |
| Securities gains (losses) | $123,000 | 1,162 |
| Applicable income taxes | $498,000 | 3,845 |
| Income before extraordinary items | $3,102,000 | 1,695 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,102,000 | 1,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-270,000 | 10,379 |
| Cash dividends | $1,418,000 | 1,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,996,220 | 1,677 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,066,000 | 1,734 |
| Total interest expense | $9,591,000 | 1,613 |
| Net interest income | $9,475,000 | 1,841 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $1,658,000 | 2,044 |
| Gross Fiduciary activities income | $231,000 | 868 |
| Service charges on deposit accounts | $692,000 | 1,882 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $735,000 | 2,155 |
| Total noninterest expense | $7,622,000 | 1,710 |
| Salaries and employee benefits | $4,517,000 | 1,451 |
| Premises and equipment expense | $1,193,000 | 1,640 |
| Additional noninterest expense | $1,912,000 | 2,187 |
| Pre-tax net operating income | $3,271,000 | 2,304 |
| Securities gains (losses) | $97,000 | 993 |
| Applicable income taxes | $558,000 | 3,887 |
| Income before extraordinary items | $2,810,000 | 1,874 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,810,000 | 1,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,067 |
| Cash dividends | $8,309,000 | 421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,729,490 | 1,872 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,776,000 | 1,903 |
| Total interest expense | $8,311,000 | 1,888 |
| Net interest income | $9,465,000 | 1,883 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $1,359,000 | 2,468 |
| Gross Fiduciary activities income | $176,000 | 1,000 |
| Service charges on deposit accounts | $639,000 | 2,114 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $544,000 | 2,756 |
| Total noninterest expense | $6,809,000 | 2,046 |
| Salaries and employee benefits | $4,000,000 | 1,662 |
| Premises and equipment expense | $1,176,000 | 1,722 |
| Additional noninterest expense | $1,633,000 | 2,915 |
| Pre-tax net operating income | $3,775,000 | 1,918 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $802,000 | 2,834 |
| Income before extraordinary items | $2,981,000 | 1,669 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,981,000 | 1,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 1,556 |
| Cash dividends | $1,078,000 | 2,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,974,680 | 1,643 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,023,000 | 1,882 |
| Total interest expense | $8,705,000 | 1,817 |
| Net interest income | $9,318,000 | 1,924 |
| Provision for loan and lease losses | $330,000 | 2,136 |
| Total noninterest income | $1,353,000 | 2,466 |
| Gross Fiduciary activities income | $152,000 | 1,064 |
| Service charges on deposit accounts | $594,000 | 2,287 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $607,000 | 2,510 |
| Total noninterest expense | $6,356,000 | 2,159 |
| Salaries and employee benefits | $3,549,000 | 1,866 |
| Premises and equipment expense | $1,100,000 | 1,839 |
| Additional noninterest expense | $1,707,000 | 2,739 |
| Pre-tax net operating income | $3,985,000 | 1,860 |
| Securities gains (losses) | $42,000 | 1,423 |
| Applicable income taxes | $905,000 | 2,585 |
| Income before extraordinary items | $3,122,000 | 1,634 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,122,000 | 1,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,878 |
| Cash dividends | $1,581,000 | 1,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,089,240 | 1,630 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,983,000 | 1,815 |
| Total interest expense | $7,051,000 | 1,791 |
| Net interest income | $9,932,000 | 1,822 |
| Provision for loan and lease losses | $469,000 | 1,623 |
| Total noninterest income | $1,250,000 | 2,654 |
| Gross Fiduciary activities income | $130,000 | 1,121 |
| Service charges on deposit accounts | $636,000 | 2,126 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $484,000 | 3,007 |
| Total noninterest expense | $6,375,000 | 2,206 |
| Salaries and employee benefits | $3,409,000 | 1,958 |
| Premises and equipment expense | $1,095,000 | 1,869 |
| Additional noninterest expense | $1,871,000 | 2,730 |
| Pre-tax net operating income | $4,338,000 | 1,657 |
| Securities gains (losses) | $-130,000 | 11,710 |
| Applicable income taxes | $924,000 | 2,409 |
| Income before extraordinary items | $3,284,000 | 1,499 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,284,000 | 1,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,263 |
| Cash dividends | $1,039,000 | 1,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,385,400 | 1,468 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,439,000 | 1,795 |
| Total interest expense | $7,320,000 | 1,788 |
| Net interest income | $10,119,000 | 1,779 |
| Provision for loan and lease losses | $315,000 | 2,894 |
| Total noninterest income | $1,362,000 | 2,637 |
| Gross Fiduciary activities income | $125,000 | 1,165 |
| Service charges on deposit accounts | $602,000 | 2,295 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $635,000 | 2,783 |
| Total noninterest expense | $6,034,000 | 2,378 |
| Salaries and employee benefits | $3,325,000 | 2,008 |
| Premises and equipment expense | $1,003,000 | 2,045 |
| Additional noninterest expense | $1,706,000 | 3,121 |
| Pre-tax net operating income | $5,132,000 | 1,368 |
| Securities gains (losses) | $643,000 | 758 |
| Applicable income taxes | $1,221,000 | 1,892 |
| Income before extraordinary items | $4,554,000 | 1,142 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,554,000 | 1,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 5,088 |
| Cash dividends | $940,000 | 1,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,046,030 | 1,167 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,974,000 | 1,981 |
| Total interest expense | $9,206,000 | 1,840 |
| Net interest income | $8,768,000 | 2,081 |
| Provision for loan and lease losses | $180,000 | 5,503 |
| Total noninterest income | $1,080,000 | 3,110 |
| Gross Fiduciary activities income | $90,000 | 1,276 |
| Service charges on deposit accounts | $605,000 | 2,269 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $385,000 | 3,796 |
| Total noninterest expense | $5,756,000 | 2,513 |
| Salaries and employee benefits | $3,216,000 | 2,046 |
| Premises and equipment expense | $921,000 | 2,257 |
| Additional noninterest expense | $1,619,000 | 3,377 |
| Pre-tax net operating income | $3,912,000 | 1,586 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $786,000 | 2,664 |
| Income before extraordinary items | $3,141,000 | 1,486 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,141,000 | 1,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $1,291,000 | 1,244 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,129,000 | 1,384 |
* 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.