Home > Metropolitan Savings Bank > Income and Expense
Metropolitan Savings Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $526,000 | 8,508 |
| Total interest expense | $246,000 | 8,290 |
| Net interest income | $280,000 | 8,573 |
| Provision for loan and lease losses | $9,000 | 6,392 |
| Total noninterest income | $15,000 | 8,505 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $15,000 | 7,348 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,609 |
| Total noninterest expense | $270,000 | 8,614 |
| Salaries and employee benefits | $80,000 | 8,692 |
| Premises and equipment expense | $69,000 | 7,933 |
| Additional noninterest expense | $121,000 | 8,342 |
| Pre-tax net operating income | $16,000 | 8,062 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $16,000 | 8,081 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $16,000 | 8,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $16,000 | 8,069 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $347,000 | 8,565 |
| Total interest expense | $155,000 | 8,332 |
| Net interest income | $192,000 | 8,629 |
| Provision for loan and lease losses | $3,000 | 6,297 |
| Total noninterest income | $11,000 | 8,544 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $11,000 | 7,375 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,630 |
| Total noninterest expense | $177,000 | 8,661 |
| Salaries and employee benefits | $55,000 | 8,732 |
| Premises and equipment expense | $19,000 | 8,552 |
| Additional noninterest expense | $103,000 | 8,119 |
| Pre-tax net operating income | $23,000 | 8,074 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $23,000 | 8,066 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $23,000 | 8,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $23,000 | 8,064 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $185,000 | 8,569 |
| Total interest expense | $100,000 | 8,129 |
| Net interest income | $85,000 | 8,680 |
| Provision for loan and lease losses | $1,000 | 5,956 |
| Total noninterest income | $6,000 | 8,542 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $6,000 | 7,374 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,611 |
| Total noninterest expense | $77,000 | 8,713 |
| Salaries and employee benefits | $28,000 | 8,743 |
| Premises and equipment expense | $11,000 | 8,487 |
| Additional noninterest expense | $38,000 | 8,429 |
| Pre-tax net operating income | $13,000 | 8,098 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $13,000 | 8,074 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $13,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $13,000 | 8,068 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $768,000 | 8,501 |
| Total interest expense | $353,000 | 8,039 |
| Net interest income | $415,000 | 8,592 |
| Provision for loan and lease losses | $15,000 | 6,626 |
| Total noninterest income | $20,000 | 8,602 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $20,000 | 7,474 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,688 |
| Total noninterest expense | $262,000 | 8,772 |
| Salaries and employee benefits | $105,000 | 8,784 |
| Premises and equipment expense | $43,000 | 8,549 |
| Additional noninterest expense | $114,000 | 8,653 |
| Pre-tax net operating income | $158,000 | 7,812 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $158,000 | 7,760 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $158,000 | 7,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $158,000 | 7,725 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $589,000 | 8,531 |
| Total interest expense | $249,000 | 8,105 |
| Net interest income | $340,000 | 8,622 |
| Provision for loan and lease losses | $14,000 | 6,380 |
| Total noninterest income | $12,000 | 8,687 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,573 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,723 |
| Total noninterest expense | $184,000 | 8,798 |
| Salaries and employee benefits | $72,000 | 8,808 |
| Premises and equipment expense | $27,000 | 8,620 |
| Additional noninterest expense | $85,000 | 8,661 |
| Pre-tax net operating income | $154,000 | 7,818 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $34,000 | 6,012 |
| Income before extraordinary items | $120,000 | 7,850 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $120,000 | 7,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $120,000 | 7,822 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $324,000 | 8,618 |
| Total interest expense | $142,000 | 8,213 |
| Net interest income | $182,000 | 8,697 |
| Provision for loan and lease losses | $5,000 | 6,409 |
| Total noninterest income | $8,000 | 8,692 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $8,000 | 7,585 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $111,000 | 8,821 |
| Salaries and employee benefits | $43,000 | 8,826 |
| Premises and equipment expense | $21,000 | 8,548 |
| Additional noninterest expense | $47,000 | 8,733 |
| Pre-tax net operating income | $74,000 | 8,010 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $74,000 | 7,933 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $74,000 | 7,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $74,000 | 7,899 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $189,000 | 8,637 |
| Total interest expense | $76,000 | 8,182 |
| Net interest income | $113,000 | 8,710 |
| Provision for loan and lease losses | $4,000 | 5,908 |
| Total noninterest income | $4,000 | 8,750 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $4,000 | 7,641 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $59,000 | 8,884 |
| Salaries and employee benefits | $20,000 | 8,899 |
| Premises and equipment expense | $7,000 | 8,751 |
| Additional noninterest expense | $32,000 | 8,653 |
| Pre-tax net operating income | $54,000 | 7,843 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $8,000 | 6,187 |
| Income before extraordinary items | $46,000 | 7,831 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $46,000 | 7,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $46,000 | 7,805 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $778,000 | 8,584 |
| Total interest expense | $290,000 | 8,146 |
| Net interest income | $488,000 | 8,652 |
| Provision for loan and lease losses | $10,000 | 7,024 |
| Total noninterest income | $20,000 | 8,776 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $20,000 | 7,660 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $0 | 8,822 |
| Total noninterest expense | $256,000 | 8,908 |
| Salaries and employee benefits | $107,000 | 8,912 |
| Premises and equipment expense | $58,000 | 8,502 |
| Additional noninterest expense | $91,000 | 8,846 |
| Pre-tax net operating income | $242,000 | 7,635 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $98,000 | 5,524 |
| Income before extraordinary items | $144,000 | 7,909 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $144,000 | 7,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $144,000 | 7,863 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $573,000 | 8,645 |
| Total interest expense | $216,000 | 8,180 |
| Net interest income | $357,000 | 8,721 |
| Provision for loan and lease losses | $7,000 | 6,892 |
| Total noninterest income | $14,000 | 8,853 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $14,000 | 7,719 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 8,890 |
| Total noninterest expense | $199,000 | 8,948 |
| Salaries and employee benefits | $78,000 | 8,967 |
| Premises and equipment expense | $43,000 | 8,539 |
| Additional noninterest expense | $78,000 | 8,837 |
| Pre-tax net operating income | $165,000 | 7,855 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $56,000 | 5,887 |
| Income before extraordinary items | $109,000 | 8,021 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $109,000 | 8,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $109,000 | 7,970 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $375,000 | 8,710 |
| Total interest expense | $144,000 | 8,243 |
| Net interest income | $231,000 | 8,791 |
| Provision for loan and lease losses | $4,000 | 6,726 |
| Total noninterest income | $7,000 | 8,933 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $7,000 | 7,820 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $0 | 8,943 |
| Total noninterest expense | $129,000 | 9,008 |
| Salaries and employee benefits | $50,000 | 9,023 |
| Premises and equipment expense | $30,000 | 8,532 |
| Additional noninterest expense | $49,000 | 8,908 |
| Pre-tax net operating income | $105,000 | 7,882 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $35,000 | 5,928 |
| Income before extraordinary items | $70,000 | 8,077 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $70,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $70,000 | 8,014 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $182,000 | 8,769 |
| Total interest expense | $73,000 | 8,301 |
| Net interest income | $109,000 | 8,854 |
| Provision for loan and lease losses | $2,000 | 6,358 |
| Total noninterest income | $4,000 | 8,960 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $4,000 | 7,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $0 | 8,950 |
| Total noninterest expense | $55,000 | 9,064 |
| Salaries and employee benefits | $24,000 | 9,069 |
| Premises and equipment expense | $8,000 | 8,874 |
| Additional noninterest expense | $23,000 | 8,965 |
| Pre-tax net operating income | $56,000 | 7,822 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $56,000 | 7,659 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $56,000 | 7,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $56,000 | 7,584 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $672,000 | 8,842 |
| Total interest expense | $322,000 | 8,389 |
| Net interest income | $350,000 | 8,956 |
| Provision for loan and lease losses | $6,000 | 7,489 |
| Total noninterest income | $10,000 | 9,054 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $10,000 | 7,936 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $204,000 | 9,127 |
| Salaries and employee benefits | $92,000 | 9,130 |
| Premises and equipment expense | $23,000 | 9,055 |
| Additional noninterest expense | $89,000 | 9,038 |
| Pre-tax net operating income | $150,000 | 8,003 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $52,000 | 6,244 |
| Income before extraordinary items | $98,000 | 8,228 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $98,000 | 8,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $98,000 | 8,113 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $497,000 | 8,944 |
| Total interest expense | $244,000 | 8,493 |
| Net interest income | $253,000 | 9,047 |
| Provision for loan and lease losses | $5,000 | 7,333 |
| Total noninterest income | $7,000 | 9,125 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $7,000 | 8,001 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,106 |
| Total noninterest expense | $150,000 | 9,183 |
| Salaries and employee benefits | $66,000 | 9,188 |
| Premises and equipment expense | $19,000 | 9,082 |
| Additional noninterest expense | $65,000 | 9,090 |
| Pre-tax net operating income | $105,000 | 8,198 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $29,000 | 6,592 |
| Income before extraordinary items | $76,000 | 8,385 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $76,000 | 8,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $76,000 | 8,259 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $332,000 | 8,979 |
| Total interest expense | $165,000 | 8,548 |
| Net interest income | $167,000 | 9,092 |
| Provision for loan and lease losses | $3,000 | 7,198 |
| Total noninterest income | $3,000 | 9,179 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $3,000 | 8,063 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $0 | 9,111 |
| Total noninterest expense | $101,000 | 9,211 |
| Salaries and employee benefits | $45,000 | 9,220 |
| Premises and equipment expense | $13,000 | 9,104 |
| Additional noninterest expense | $43,000 | 9,113 |
| Pre-tax net operating income | $66,000 | 8,257 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $66,000 | 8,271 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $66,000 | 8,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $66,000 | 8,130 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $164,000 | 9,043 |
| Total interest expense | $82,000 | 8,643 |
| Net interest income | $82,000 | 9,138 |
| Provision for loan and lease losses | $1,000 | 6,877 |
| Total noninterest income | $1,000 | 9,226 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 8,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $49,000 | 9,262 |
| Salaries and employee benefits | $20,000 | 9,274 |
| Premises and equipment expense | $7,000 | 9,093 |
| Additional noninterest expense | $22,000 | 9,147 |
| Pre-tax net operating income | $33,000 | 8,267 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $33,000 | 8,219 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $33,000 | 8,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $33,000 | 8,087 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $574,000 | 9,131 |
| Total interest expense | $346,000 | 8,797 |
| Net interest income | $228,000 | 9,223 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $6,000 | 9,253 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $6,000 | 8,124 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,201 |
| Total noninterest expense | $180,000 | 9,308 |
| Salaries and employee benefits | $84,000 | 9,303 |
| Premises and equipment expense | $14,000 | 9,268 |
| Additional noninterest expense | $82,000 | 9,225 |
| Pre-tax net operating income | $54,000 | 8,458 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $18,000 | 7,092 |
| Income before extraordinary items | $36,000 | 8,604 |
| Extraordinary gains, net | $25,000 | 53 |
| Net income | $61,000 | 8,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $36,000 | 8,523 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $470,000 | 9,440 |
| Total interest expense | $341,000 | 9,237 |
| Net interest income | $129,000 | 9,537 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $4,000 | 9,518 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,000 | 9,354 |
| Total noninterest expense | $154,000 | 9,583 |
| Salaries and employee benefits | $73,000 | 9,573 |
| Premises and equipment expense | $13,000 | 9,542 |
| Additional noninterest expense | $68,000 | 9,510 |
| Pre-tax net operating income | $-21,000 | 8,771 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-21,000 | 8,858 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-21,000 | 8,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-21,000 | 8,780 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $389,000 | 9,754 |
| Total interest expense | $235,000 | 9,609 |
| Net interest income | $154,000 | 9,808 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $3,000 | 9,812 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 9,721 |
| Total noninterest expense | $139,000 | 9,870 |
| Salaries and employee benefits | $70,000 | 9,857 |
| Premises and equipment expense | $20,000 | 9,769 |
| Additional noninterest expense | $49,000 | 9,837 |
| Pre-tax net operating income | $18,000 | 9,056 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $18,000 | 9,078 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $18,000 | 9,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $18,000 | 9,065 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $358,000 | 10,043 |
| Total interest expense | $226,000 | 9,902 |
| Net interest income | $132,000 | 10,124 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $2,000 | 10,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 10,068 |
| Total noninterest expense | $125,000 | 10,189 |
| Salaries and employee benefits | $61,000 | 10,179 |
| Premises and equipment expense | $8,000 | 10,162 |
| Additional noninterest expense | $56,000 | 10,138 |
| Pre-tax net operating income | $9,000 | 9,376 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $9,000 | 9,414 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $9,000 | 9,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $644,000 | 574 |
| Net operating income | $9,000 | 9,385 |
* 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.