Home > Mountain States Bank > Income and Expense
Mountain States Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,734,000 | 2,442 |
| Total interest expense | $2,185,000 | 3,159 |
| Net interest income | $5,549,000 | 2,105 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $491,000 | 3,571 |
| Gross Fiduciary activities income | $50,000 | 946 |
| Service charges on deposit accounts | $275,000 | 2,871 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $166,000 | 4,110 |
| Total noninterest expense | $3,958,000 | 2,228 |
| Salaries and employee benefits | $2,443,000 | 1,992 |
| Premises and equipment expense | $307,000 | 3,703 |
| Additional noninterest expense | $1,208,000 | 2,156 |
| Pre-tax net operating income | $2,082,000 | 2,237 |
| Securities gains (losses) | $-26,000 | 8,175 |
| Applicable income taxes | $610,000 | 2,032 |
| Income before extraordinary items | $1,446,000 | 2,411 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,446,000 | 2,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,216 |
| Cash dividends | $969,000 | 1,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,464,200 | 2,366 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,738,000 | 2,471 |
| Total interest expense | $1,001,000 | 3,255 |
| Net interest income | $2,737,000 | 2,123 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $244,000 | 3,528 |
| Gross Fiduciary activities income | $31,000 | 911 |
| Service charges on deposit accounts | $134,000 | 2,842 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $79,000 | 4,177 |
| Total noninterest expense | $1,867,000 | 2,372 |
| Salaries and employee benefits | $1,155,000 | 2,140 |
| Premises and equipment expense | $166,000 | 3,475 |
| Additional noninterest expense | $546,000 | 2,348 |
| Pre-tax net operating income | $1,114,000 | 2,102 |
| Securities gains (losses) | $-26,000 | 8,435 |
| Applicable income taxes | $368,000 | 1,763 |
| Income before extraordinary items | $720,000 | 2,392 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $720,000 | 2,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $485,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $737,160 | 2,337 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,758,000 | 2,400 |
| Total interest expense | $2,750,000 | 3,570 |
| Net interest income | $11,008,000 | 2,013 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,312,000 | 2,941 |
| Gross Fiduciary activities income | $310,000 | 694 |
| Service charges on deposit accounts | $526,000 | 2,947 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $476,000 | 3,459 |
| Total noninterest expense | $7,302,000 | 2,289 |
| Salaries and employee benefits | $4,062,000 | 2,259 |
| Premises and equipment expense | $563,000 | 3,845 |
| Additional noninterest expense | $2,677,000 | 1,895 |
| Pre-tax net operating income | $5,018,000 | 1,865 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $1,703,000 | 1,543 |
| Income before extraordinary items | $3,311,000 | 2,071 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,311,000 | 2,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,139 |
| Cash dividends | $2,077,000 | 1,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,313,640 | 2,047 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,031,000 | 2,411 |
| Total interest expense | $1,825,000 | 3,751 |
| Net interest income | $8,206,000 | 2,012 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,008,000 | 2,894 |
| Gross Fiduciary activities income | $233,000 | 680 |
| Service charges on deposit accounts | $394,000 | 2,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $381,000 | 3,363 |
| Total noninterest expense | $5,336,000 | 2,318 |
| Salaries and employee benefits | $3,064,000 | 2,222 |
| Premises and equipment expense | $414,000 | 3,873 |
| Additional noninterest expense | $1,858,000 | 2,003 |
| Pre-tax net operating income | $3,878,000 | 1,816 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $1,314,000 | 1,535 |
| Income before extraordinary items | $2,560,000 | 2,018 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,560,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,490 |
| Cash dividends | $1,454,000 | 1,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,562,640 | 1,983 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,521,000 | 2,410 |
| Total interest expense | $1,111,000 | 3,840 |
| Net interest income | $5,410,000 | 2,007 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $689,000 | 2,796 |
| Gross Fiduciary activities income | $190,000 | 645 |
| Service charges on deposit accounts | $251,000 | 3,006 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $248,000 | 3,384 |
| Total noninterest expense | $3,582,000 | 2,301 |
| Salaries and employee benefits | $2,061,000 | 2,197 |
| Premises and equipment expense | $283,000 | 3,788 |
| Additional noninterest expense | $1,238,000 | 1,984 |
| Pre-tax net operating income | $2,517,000 | 1,830 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $831,000 | 1,570 |
| Income before extraordinary items | $1,682,000 | 2,014 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,682,000 | 2,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,223 |
| Cash dividends | $970,000 | 1,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,684,680 | 1,974 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,172,000 | 2,434 |
| Total interest expense | $529,000 | 3,874 |
| Net interest income | $2,643,000 | 2,042 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $397,000 | 2,499 |
| Gross Fiduciary activities income | $147,000 | 550 |
| Service charges on deposit accounts | $125,000 | 2,945 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $125,000 | 3,316 |
| Total noninterest expense | $1,756,000 | 2,351 |
| Salaries and employee benefits | $1,028,000 | 2,209 |
| Premises and equipment expense | $140,000 | 3,846 |
| Additional noninterest expense | $588,000 | 2,087 |
| Pre-tax net operating income | $1,284,000 | 1,769 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $415,000 | 1,570 |
| Income before extraordinary items | $869,000 | 1,943 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $869,000 | 1,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,547 |
| Cash dividends | $485,000 | 1,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $869,000 | 1,906 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,599,000 | 2,474 |
| Total interest expense | $1,486,000 | 4,531 |
| Net interest income | $10,113,000 | 2,006 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,783,000 | 2,385 |
| Gross Fiduciary activities income | $592,000 | 514 |
| Service charges on deposit accounts | $556,000 | 2,887 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $635,000 | 2,885 |
| Total noninterest expense | $6,667,000 | 2,395 |
| Salaries and employee benefits | $4,026,000 | 2,152 |
| Premises and equipment expense | $626,000 | 3,413 |
| Additional noninterest expense | $2,015,000 | 2,407 |
| Pre-tax net operating income | $5,229,000 | 1,629 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,719,000 | 1,442 |
| Income before extraordinary items | $3,510,000 | 1,808 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,510,000 | 1,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-182,000 | 8,868 |
| Cash dividends | $2,416,000 | 1,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,510,000 | 1,764 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,445,000 | 2,505 |
| Total interest expense | $1,033,000 | 4,700 |
| Net interest income | $7,412,000 | 2,034 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,306,000 | 2,430 |
| Gross Fiduciary activities income | $458,000 | 501 |
| Service charges on deposit accounts | $434,000 | 2,798 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $414,000 | 3,137 |
| Total noninterest expense | $5,153,000 | 2,312 |
| Salaries and employee benefits | $3,024,000 | 2,156 |
| Premises and equipment expense | $480,000 | 3,367 |
| Additional noninterest expense | $1,649,000 | 2,191 |
| Pre-tax net operating income | $3,565,000 | 1,779 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,129,000 | 1,613 |
| Income before extraordinary items | $2,436,000 | 1,949 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,436,000 | 1,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,003 |
| Cash dividends | $1,792,000 | 1,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,436,000 | 1,899 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,501,000 | 2,543 |
| Total interest expense | $664,000 | 4,816 |
| Net interest income | $4,837,000 | 2,067 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $898,000 | 2,373 |
| Gross Fiduciary activities income | $328,000 | 477 |
| Service charges on deposit accounts | $292,000 | 2,767 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $278,000 | 3,126 |
| Total noninterest expense | $3,384,000 | 2,347 |
| Salaries and employee benefits | $2,009,000 | 2,166 |
| Premises and equipment expense | $331,000 | 3,278 |
| Additional noninterest expense | $1,044,000 | 2,308 |
| Pre-tax net operating income | $2,351,000 | 1,785 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $741,000 | 1,623 |
| Income before extraordinary items | $1,610,000 | 1,943 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,610,000 | 1,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,856 |
| Cash dividends | $1,306,000 | 998 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,610,000 | 1,892 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,720,000 | 2,568 |
| Total interest expense | $327,000 | 4,912 |
| Net interest income | $2,393,000 | 2,106 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $493,000 | 2,182 |
| Gross Fiduciary activities income | $195,000 | 435 |
| Service charges on deposit accounts | $145,000 | 2,752 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $153,000 | 2,914 |
| Total noninterest expense | $1,713,000 | 2,325 |
| Salaries and employee benefits | $1,002,000 | 2,190 |
| Premises and equipment expense | $171,000 | 3,220 |
| Additional noninterest expense | $540,000 | 2,200 |
| Pre-tax net operating income | $1,173,000 | 1,761 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $388,000 | 1,597 |
| Income before extraordinary items | $785,000 | 1,984 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $785,000 | 1,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,465 |
| Cash dividends | $487,000 | 1,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $785,000 | 1,903 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,645,000 | 2,449 |
| Total interest expense | $1,636,000 | 4,629 |
| Net interest income | $10,009,000 | 1,953 |
| Provision for loan and lease losses | $293,000 | 3,250 |
| Total noninterest income | $1,692,000 | 2,598 |
| Gross Fiduciary activities income | $583,000 | 511 |
| Service charges on deposit accounts | $618,000 | 2,641 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $491,000 | 3,613 |
| Total noninterest expense | $6,906,000 | 2,281 |
| Salaries and employee benefits | $4,195,000 | 2,027 |
| Premises and equipment expense | $716,000 | 3,028 |
| Additional noninterest expense | $1,995,000 | 2,411 |
| Pre-tax net operating income | $4,502,000 | 1,789 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,418,000 | 1,698 |
| Income before extraordinary items | $3,084,000 | 1,990 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,084,000 | 1,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $540,000 | 1,513 |
| Cash dividends | $2,090,000 | 1,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,084,000 | 1,903 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,865,000 | 2,456 |
| Total interest expense | $1,280,000 | 4,625 |
| Net interest income | $7,585,000 | 1,939 |
| Provision for loan and lease losses | $310,000 | 2,456 |
| Total noninterest income | $1,288,000 | 2,630 |
| Gross Fiduciary activities income | $440,000 | 519 |
| Service charges on deposit accounts | $477,000 | 2,583 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $371,000 | 3,674 |
| Total noninterest expense | $5,248,000 | 2,258 |
| Salaries and employee benefits | $3,163,000 | 2,029 |
| Premises and equipment expense | $538,000 | 3,027 |
| Additional noninterest expense | $1,547,000 | 2,317 |
| Pre-tax net operating income | $3,315,000 | 1,879 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,052,000 | 1,786 |
| Income before extraordinary items | $2,263,000 | 2,087 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,263,000 | 2,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $770,000 | 825 |
| Cash dividends | $1,463,000 | 1,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,263,000 | 1,979 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,006,000 | 2,436 |
| Total interest expense | $895,000 | 4,595 |
| Net interest income | $5,111,000 | 1,915 |
| Provision for loan and lease losses | $185,000 | 2,635 |
| Total noninterest income | $840,000 | 2,658 |
| Gross Fiduciary activities income | $285,000 | 529 |
| Service charges on deposit accounts | $317,000 | 2,545 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $238,000 | 3,708 |
| Total noninterest expense | $3,479,000 | 2,261 |
| Salaries and employee benefits | $2,085,000 | 2,033 |
| Premises and equipment expense | $353,000 | 3,056 |
| Additional noninterest expense | $1,041,000 | 2,280 |
| Pre-tax net operating income | $2,287,000 | 1,821 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $718,000 | 1,779 |
| Income before extraordinary items | $1,569,000 | 2,023 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,569,000 | 2,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 740 |
| Cash dividends | $975,000 | 1,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,569,000 | 1,913 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,037,000 | 2,420 |
| Total interest expense | $478,000 | 4,483 |
| Net interest income | $2,559,000 | 1,901 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $429,000 | 2,555 |
| Gross Fiduciary activities income | $174,000 | 478 |
| Service charges on deposit accounts | $156,000 | 2,505 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $99,000 | 3,949 |
| Total noninterest expense | $1,731,000 | 2,256 |
| Salaries and employee benefits | $1,048,000 | 2,022 |
| Premises and equipment expense | $174,000 | 3,100 |
| Additional noninterest expense | $509,000 | 2,299 |
| Pre-tax net operating income | $1,182,000 | 1,770 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $370,000 | 1,739 |
| Income before extraordinary items | $812,000 | 1,948 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $812,000 | 1,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-97,000 | 9,205 |
| Cash dividends | $488,000 | 1,255 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $812,000 | 1,840 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,479,000 | 2,117 |
| Total interest expense | $2,814,000 | 3,723 |
| Net interest income | $11,665,000 | 1,662 |
| Provision for loan and lease losses | $485,000 | 2,422 |
| Total noninterest income | $1,681,000 | 2,427 |
| Gross Fiduciary activities income | $445,000 | 613 |
| Service charges on deposit accounts | $575,000 | 2,651 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $661,000 | 2,794 |
| Total noninterest expense | $7,242,000 | 2,071 |
| Salaries and employee benefits | $4,394,000 | 1,831 |
| Premises and equipment expense | $798,000 | 2,689 |
| Additional noninterest expense | $2,050,000 | 2,255 |
| Pre-tax net operating income | $5,619,000 | 1,477 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,761,000 | 1,442 |
| Income before extraordinary items | $3,858,000 | 1,574 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,858,000 | 1,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $582,000 | 1,472 |
| Cash dividends | $2,090,000 | 1,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,858,000 | 1,523 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,018,000 | 1,905 |
| Total interest expense | $5,094,000 | 3,108 |
| Net interest income | $12,924,000 | 1,377 |
| Provision for loan and lease losses | $600,000 | 1,892 |
| Total noninterest income | $1,691,000 | 2,302 |
| Gross Fiduciary activities income | $521,000 | 586 |
| Service charges on deposit accounts | $581,000 | 2,494 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $589,000 | 2,861 |
| Total noninterest expense | $7,146,000 | 2,008 |
| Salaries and employee benefits | $4,536,000 | 1,657 |
| Premises and equipment expense | $788,000 | 2,668 |
| Additional noninterest expense | $1,822,000 | 2,441 |
| Pre-tax net operating income | $6,869,000 | 1,086 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,176,000 | 1,093 |
| Income before extraordinary items | $4,693,000 | 1,161 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,693,000 | 1,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 3,297 |
| Cash dividends | $2,160,000 | 1,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,693,000 | 1,116 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,260,000 | 2,041 |
| Total interest expense | $6,064,000 | 2,764 |
| Net interest income | $11,196,000 | 1,568 |
| Provision for loan and lease losses | $500,000 | 1,862 |
| Total noninterest income | $1,505,000 | 2,334 |
| Gross Fiduciary activities income | $518,000 | 590 |
| Service charges on deposit accounts | $605,000 | 2,275 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $382,000 | 3,460 |
| Total noninterest expense | $6,172,000 | 2,222 |
| Salaries and employee benefits | $3,860,000 | 1,866 |
| Premises and equipment expense | $741,000 | 2,746 |
| Additional noninterest expense | $1,571,000 | 2,698 |
| Pre-tax net operating income | $6,029,000 | 1,229 |
| Securities gains (losses) | $-30,000 | 8,946 |
| Applicable income taxes | $1,892,000 | 1,227 |
| Income before extraordinary items | $4,107,000 | 1,275 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,107,000 | 1,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,854 |
| Cash dividends | $2,092,000 | 1,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,127,400 | 1,259 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,309,000 | 2,129 |
| Total interest expense | $4,979,000 | 2,927 |
| Net interest income | $10,330,000 | 1,686 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $1,392,000 | 2,413 |
| Gross Fiduciary activities income | $546,000 | 609 |
| Service charges on deposit accounts | $552,000 | 2,412 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $294,000 | 4,064 |
| Total noninterest expense | $5,780,000 | 2,351 |
| Salaries and employee benefits | $3,620,000 | 1,934 |
| Premises and equipment expense | $749,000 | 2,710 |
| Additional noninterest expense | $1,411,000 | 3,018 |
| Pre-tax net operating income | $5,642,000 | 1,349 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,757,000 | 1,387 |
| Income before extraordinary items | $3,885,000 | 1,386 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,885,000 | 1,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,227 |
| Cash dividends | $2,093,000 | 1,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,885,000 | 1,365 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,401,000 | 2,116 |
| Total interest expense | $5,147,000 | 2,912 |
| Net interest income | $10,254,000 | 1,665 |
| Provision for loan and lease losses | $275,000 | 2,807 |
| Total noninterest income | $1,384,000 | 2,413 |
| Gross Fiduciary activities income | $540,000 | 615 |
| Service charges on deposit accounts | $514,000 | 2,499 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $330,000 | 3,812 |
| Total noninterest expense | $5,237,000 | 2,485 |
| Salaries and employee benefits | $3,284,000 | 2,058 |
| Premises and equipment expense | $581,000 | 3,263 |
| Additional noninterest expense | $1,372,000 | 2,999 |
| Pre-tax net operating income | $6,126,000 | 1,226 |
| Securities gains (losses) | $-2,000 | 9,897 |
| Applicable income taxes | $1,918,000 | 1,319 |
| Income before extraordinary items | $4,206,000 | 1,274 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,206,000 | 1,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,735 |
| Cash dividends | $2,093,000 | 1,278 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,207,380 | 1,224 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,421,000 | 2,265 |
| Total interest expense | $5,419,000 | 2,763 |
| Net interest income | $9,002,000 | 1,928 |
| Provision for loan and lease losses | $500,000 | 1,761 |
| Total noninterest income | $1,456,000 | 2,256 |
| Gross Fiduciary activities income | $463,000 | 677 |
| Service charges on deposit accounts | $531,000 | 2,470 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $462,000 | 2,988 |
| Total noninterest expense | $4,935,000 | 2,597 |
| Salaries and employee benefits | $2,956,000 | 2,242 |
| Premises and equipment expense | $532,000 | 3,508 |
| Additional noninterest expense | $1,447,000 | 2,823 |
| Pre-tax net operating income | $5,023,000 | 1,543 |
| Securities gains (losses) | $53,000 | 1,310 |
| Applicable income taxes | $1,560,000 | 1,659 |
| Income before extraordinary items | $3,516,000 | 1,531 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,516,000 | 1,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $457,000 | 1,441 |
| Cash dividends | $1,882,000 | 1,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,479,430 | 1,513 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,081,000 | 2,369 |
| Total interest expense | $5,126,000 | 2,936 |
| Net interest income | $8,955,000 | 2,004 |
| Provision for loan and lease losses | $179,000 | 3,734 |
| Total noninterest income | $1,435,000 | 2,374 |
| Gross Fiduciary activities income | $446,000 | 735 |
| Service charges on deposit accounts | $539,000 | 2,520 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $450,000 | 3,144 |
| Total noninterest expense | $4,793,000 | 2,852 |
| Salaries and employee benefits | $2,917,000 | 2,274 |
| Premises and equipment expense | $597,000 | 3,230 |
| Additional noninterest expense | $1,279,000 | 3,585 |
| Pre-tax net operating income | $5,418,000 | 1,315 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $1,710,000 | 1,416 |
| Income before extraordinary items | $3,704,000 | 1,343 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,704,000 | 1,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,393 |
| Cash dividends | $1,882,000 | 1,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,706,720 | 1,306 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,164,000 | 2,541 |
| Total interest expense | $4,963,000 | 3,047 |
| Net interest income | $8,201,000 | 2,195 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $1,213,000 | 2,697 |
| Gross Fiduciary activities income | $400,000 | 803 |
| Service charges on deposit accounts | $540,000 | 2,488 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $273,000 | 4,237 |
| Total noninterest expense | $4,689,000 | 2,875 |
| Salaries and employee benefits | $2,774,000 | 2,401 |
| Premises and equipment expense | $564,000 | 3,384 |
| Additional noninterest expense | $1,351,000 | 3,370 |
| Pre-tax net operating income | $4,575,000 | 1,616 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $1,357,000 | 1,799 |
| Income before extraordinary items | $3,229,000 | 1,582 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,229,000 | 1,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,035 |
| Cash dividends | $1,612,000 | 1,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,221,300 | 1,564 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,186,000 | 2,489 |
| Total interest expense | $4,189,000 | 2,920 |
| Net interest income | $7,997,000 | 2,260 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $1,479,000 | 2,331 |
| Gross Fiduciary activities income | $386,000 | 817 |
| Service charges on deposit accounts | $544,000 | 2,505 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $549,000 | 2,771 |
| Total noninterest expense | $4,706,000 | 2,936 |
| Salaries and employee benefits | $2,610,000 | 2,551 |
| Premises and equipment expense | $615,000 | 3,197 |
| Additional noninterest expense | $1,481,000 | 3,338 |
| Pre-tax net operating income | $4,720,000 | 1,545 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,525,000 | 1,539 |
| Income before extraordinary items | $3,195,000 | 1,539 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,195,000 | 1,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 12,044 |
| Cash dividends | $1,612,000 | 1,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,195,000 | 1,547 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,683,000 | 2,650 |
| Total interest expense | $3,459,000 | 3,623 |
| Net interest income | $8,224,000 | 2,191 |
| Provision for loan and lease losses | $125,000 | 5,103 |
| Total noninterest income | $1,398,000 | 2,583 |
| Gross Fiduciary activities income | $346,000 | 891 |
| Service charges on deposit accounts | $582,000 | 2,359 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $470,000 | 3,392 |
| Total noninterest expense | $5,067,000 | 2,831 |
| Salaries and employee benefits | $2,646,000 | 2,510 |
| Premises and equipment expense | $577,000 | 3,447 |
| Additional noninterest expense | $1,844,000 | 2,925 |
| Pre-tax net operating income | $4,430,000 | 1,580 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,316,000 | 1,774 |
| Income before extraordinary items | $3,114,000 | 1,631 |
| Extraordinary gains, net | $30,000 | 2,491 |
| Net income | $3,144,000 | 1,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 12,568 |
| Cash dividends | $1,478,000 | 1,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,114,000 | 1,542 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,051,000 | 2,908 |
| Total interest expense | $4,060,000 | 4,019 |
| Net interest income | $7,991,000 | 2,276 |
| Provision for loan and lease losses | $500,000 | 2,991 |
| Total noninterest income | $1,430,000 | 2,488 |
| Gross Fiduciary activities income | $327,000 | 913 |
| Service charges on deposit accounts | $626,000 | 2,170 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $477,000 | 3,280 |
| Total noninterest expense | $4,867,000 | 2,942 |
| Salaries and employee benefits | $2,580,000 | 2,503 |
| Premises and equipment expense | $576,000 | 3,496 |
| Additional noninterest expense | $1,711,000 | 3,195 |
| Pre-tax net operating income | $4,054,000 | 1,550 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $1,323,000 | 1,604 |
| Income before extraordinary items | $2,735,000 | 1,686 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,735,000 | 1,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 3,709 |
| Cash dividends | $1,500,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,732,320 | 1,557 |
* 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.