Home > Mt. Troy Bank > Income and Expense
Mt. Troy Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,046,000 | 6,057 |
| Total interest expense | $1,007,000 | 5,203 |
| Net interest income | $1,039,000 | 6,569 |
| Provision for loan and lease losses | $85,000 | 3,650 |
| Total noninterest income | $71,000 | 7,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $71,000 | 5,771 |
| Total noninterest expense | $699,000 | 7,103 |
| Salaries and employee benefits | $398,000 | 6,986 |
| Premises and equipment expense | $129,000 | 6,171 |
| Additional noninterest expense | $172,000 | 7,378 |
| Pre-tax net operating income | $326,000 | 6,296 |
| Securities gains (losses) | $-35,000 | 8,269 |
| Applicable income taxes | $53,000 | 5,182 |
| Income before extraordinary items | $238,000 | 6,455 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $238,000 | 6,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,393 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $266,700 | 6,259 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,020,000 | 6,042 |
| Total interest expense | $487,000 | 5,195 |
| Net interest income | $533,000 | 6,527 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $44,000 | 7,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $44,000 | 5,355 |
| Total noninterest expense | $358,000 | 7,059 |
| Salaries and employee benefits | $211,000 | 6,859 |
| Premises and equipment expense | $69,000 | 5,991 |
| Additional noninterest expense | $78,000 | 7,553 |
| Pre-tax net operating income | $174,000 | 6,116 |
| Securities gains (losses) | $-35,000 | 8,495 |
| Applicable income taxes | $32,000 | 4,955 |
| Income before extraordinary items | $107,000 | 6,623 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $107,000 | 6,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $133,950 | 6,199 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,722,000 | 6,026 |
| Total interest expense | $1,704,000 | 4,903 |
| Net interest income | $2,018,000 | 6,616 |
| Provision for loan and lease losses | $48,000 | 5,807 |
| Total noninterest income | $160,000 | 7,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $160,000 | 5,609 |
| Total noninterest expense | $1,554,000 | 6,791 |
| Salaries and employee benefits | $768,000 | 7,031 |
| Premises and equipment expense | $371,000 | 5,092 |
| Additional noninterest expense | $415,000 | 7,015 |
| Pre-tax net operating income | $576,000 | 6,499 |
| Securities gains (losses) | $87,000 | 743 |
| Applicable income taxes | $206,000 | 4,636 |
| Income before extraordinary items | $457,000 | 6,549 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $457,000 | 6,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,723 |
| Cash dividends | $250,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $396,970 | 6,756 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,734,000 | 6,068 |
| Total interest expense | $1,239,000 | 4,853 |
| Net interest income | $1,495,000 | 6,683 |
| Provision for loan and lease losses | $40,000 | 5,540 |
| Total noninterest income | $130,000 | 7,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $130,000 | 5,457 |
| Total noninterest expense | $1,223,000 | 6,681 |
| Salaries and employee benefits | $577,000 | 7,012 |
| Premises and equipment expense | $325,000 | 4,580 |
| Additional noninterest expense | $321,000 | 6,948 |
| Pre-tax net operating income | $362,000 | 6,946 |
| Securities gains (losses) | $87,000 | 696 |
| Applicable income taxes | $137,000 | 4,907 |
| Income before extraordinary items | $312,000 | 6,854 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $312,000 | 6,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,033 |
| Cash dividends | $250,000 | 3,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $251,970 | 7,143 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,798,000 | 6,040 |
| Total interest expense | $807,000 | 4,763 |
| Net interest income | $991,000 | 6,682 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $88,000 | 7,260 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $88,000 | 5,421 |
| Total noninterest expense | $692,000 | 7,085 |
| Salaries and employee benefits | $381,000 | 7,049 |
| Premises and equipment expense | $145,000 | 5,799 |
| Additional noninterest expense | $166,000 | 7,447 |
| Pre-tax net operating income | $375,000 | 6,135 |
| Securities gains (losses) | $103,000 | 552 |
| Applicable income taxes | $137,000 | 4,387 |
| Income before extraordinary items | $341,000 | 5,858 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $341,000 | 5,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $267,870 | 6,317 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $878,000 | 6,112 |
| Total interest expense | $400,000 | 4,686 |
| Net interest income | $478,000 | 6,825 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $35,000 | 7,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,892 |
| Total noninterest expense | $329,000 | 7,247 |
| Salaries and employee benefits | $181,000 | 7,234 |
| Premises and equipment expense | $74,000 | 5,787 |
| Additional noninterest expense | $74,000 | 7,713 |
| Pre-tax net operating income | $178,000 | 6,211 |
| Securities gains (losses) | $106,000 | 354 |
| Applicable income taxes | $80,000 | 4,116 |
| Income before extraordinary items | $204,000 | 5,370 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $204,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $127,680 | 6,408 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,772,000 | 5,745 |
| Total interest expense | $1,598,000 | 4,345 |
| Net interest income | $2,174,000 | 6,405 |
| Provision for loan and lease losses | $19,000 | 6,782 |
| Total noninterest income | $129,000 | 7,802 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $129,000 | 5,984 |
| Total noninterest expense | $1,419,000 | 7,030 |
| Salaries and employee benefits | $794,000 | 6,959 |
| Premises and equipment expense | $283,000 | 5,839 |
| Additional noninterest expense | $342,000 | 7,457 |
| Pre-tax net operating income | $865,000 | 5,599 |
| Securities gains (losses) | $62,000 | 1,572 |
| Applicable income taxes | $305,000 | 4,152 |
| Income before extraordinary items | $622,000 | 5,869 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $622,000 | 5,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,099 |
| Cash dividends | $2,500,000 | 1,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $580,460 | 5,958 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,882,000 | 5,669 |
| Total interest expense | $1,187,000 | 4,318 |
| Net interest income | $1,695,000 | 6,297 |
| Provision for loan and lease losses | $13,000 | 6,615 |
| Total noninterest income | $95,000 | 7,870 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $95,000 | 6,010 |
| Total noninterest expense | $1,053,000 | 7,029 |
| Salaries and employee benefits | $583,000 | 6,972 |
| Premises and equipment expense | $209,000 | 5,855 |
| Additional noninterest expense | $261,000 | 7,402 |
| Pre-tax net operating income | $724,000 | 5,438 |
| Securities gains (losses) | $62,000 | 1,498 |
| Applicable income taxes | $285,000 | 3,877 |
| Income before extraordinary items | $501,000 | 5,806 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $501,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,418 |
| Cash dividends | $500,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $461,320 | 5,932 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,882,000 | 5,749 |
| Total interest expense | $755,000 | 4,456 |
| Net interest income | $1,127,000 | 6,337 |
| Provision for loan and lease losses | $9,000 | 6,446 |
| Total noninterest income | $69,000 | 7,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $69,000 | 5,871 |
| Total noninterest expense | $661,000 | 7,250 |
| Salaries and employee benefits | $375,000 | 7,114 |
| Premises and equipment expense | $132,000 | 6,048 |
| Additional noninterest expense | $154,000 | 7,675 |
| Pre-tax net operating income | $526,000 | 5,168 |
| Securities gains (losses) | $62,000 | 1,323 |
| Applicable income taxes | $213,000 | 3,653 |
| Income before extraordinary items | $375,000 | 5,490 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $375,000 | 5,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $250,000 | 3,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $335,320 | 5,695 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $939,000 | 5,786 |
| Total interest expense | $363,000 | 4,606 |
| Net interest income | $576,000 | 6,275 |
| Provision for loan and lease losses | $4,000 | 6,169 |
| Total noninterest income | $28,000 | 8,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $28,000 | 6,237 |
| Total noninterest expense | $318,000 | 7,365 |
| Salaries and employee benefits | $193,000 | 7,083 |
| Premises and equipment expense | $64,000 | 6,144 |
| Additional noninterest expense | $61,000 | 8,124 |
| Pre-tax net operating income | $282,000 | 4,962 |
| Securities gains (losses) | $35,000 | 1,403 |
| Applicable income taxes | $115,000 | 3,550 |
| Income before extraordinary items | $202,000 | 5,319 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $202,000 | 5,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $179,600 | 5,482 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,705,000 | 5,887 |
| Total interest expense | $1,645,000 | 4,612 |
| Net interest income | $2,060,000 | 6,504 |
| Provision for loan and lease losses | $17,000 | 7,172 |
| Total noninterest income | $221,000 | 7,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $221,000 | 5,088 |
| Total noninterest expense | $1,159,000 | 7,558 |
| Salaries and employee benefits | $632,000 | 7,573 |
| Premises and equipment expense | $249,000 | 6,190 |
| Additional noninterest expense | $278,000 | 7,911 |
| Pre-tax net operating income | $1,105,000 | 4,902 |
| Securities gains (losses) | $31,000 | 2,904 |
| Applicable income taxes | $408,000 | 3,737 |
| Income before extraordinary items | $728,000 | 5,475 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $728,000 | 5,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,809 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $708,160 | 5,393 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,785,000 | 5,939 |
| Total interest expense | $1,279,000 | 4,627 |
| Net interest income | $1,506,000 | 6,622 |
| Provision for loan and lease losses | $13,000 | 7,023 |
| Total noninterest income | $187,000 | 7,007 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $187,000 | 4,928 |
| Total noninterest expense | $868,000 | 7,547 |
| Salaries and employee benefits | $472,000 | 7,535 |
| Premises and equipment expense | $188,000 | 6,155 |
| Additional noninterest expense | $208,000 | 7,921 |
| Pre-tax net operating income | $812,000 | 5,082 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $292,000 | 3,962 |
| Income before extraordinary items | $524,000 | 5,722 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $524,000 | 5,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,184 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $521,440 | 5,570 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,891,000 | 5,927 |
| Total interest expense | $873,000 | 4,667 |
| Net interest income | $1,018,000 | 6,594 |
| Provision for loan and lease losses | $8,000 | 6,936 |
| Total noninterest income | $116,000 | 7,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $116,000 | 5,059 |
| Total noninterest expense | $587,000 | 7,519 |
| Salaries and employee benefits | $311,000 | 7,590 |
| Premises and equipment expense | $132,000 | 6,008 |
| Additional noninterest expense | $144,000 | 7,852 |
| Pre-tax net operating income | $539,000 | 5,122 |
| Securities gains (losses) | $18,000 | 2,668 |
| Applicable income taxes | $199,000 | 3,974 |
| Income before extraordinary items | $358,000 | 5,669 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $358,000 | 5,667 |
| 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 | $346,480 | 5,554 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $925,000 | 6,014 |
| Total interest expense | $429,000 | 4,816 |
| Net interest income | $496,000 | 6,676 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $57,000 | 7,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $274,000 | 7,719 |
| Salaries and employee benefits | $141,000 | 7,881 |
| Premises and equipment expense | $66,000 | 6,019 |
| Additional noninterest expense | $67,000 | 8,027 |
| Pre-tax net operating income | $275,000 | 5,017 |
| Securities gains (losses) | $18,000 | 1,950 |
| Applicable income taxes | $106,000 | 3,831 |
| Income before extraordinary items | $187,000 | 5,483 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $187,000 | 5,481 |
| 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 | $175,480 | 5,468 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,440,000 | 6,394 |
| Total interest expense | $1,642,000 | 5,446 |
| Net interest income | $1,798,000 | 6,962 |
| Provision for loan and lease losses | $19,000 | 7,557 |
| Total noninterest income | $178,000 | 7,527 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $178,000 | 5,245 |
| Total noninterest expense | $1,122,000 | 7,666 |
| Salaries and employee benefits | $594,000 | 7,728 |
| Premises and equipment expense | $179,000 | 7,044 |
| Additional noninterest expense | $349,000 | 7,478 |
| Pre-tax net operating income | $835,000 | 5,661 |
| Securities gains (losses) | $56,000 | 2,303 |
| Applicable income taxes | $325,000 | 4,307 |
| Income before extraordinary items | $566,000 | 6,116 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $566,000 | 6,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $3,600,000 | 202 |
| Net operating income | $530,160 | 6,113 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,167,000 | 7,073 |
| Total interest expense | $1,686,000 | 6,627 |
| Net interest income | $1,481,000 | 7,367 |
| Provision for loan and lease losses | $18,000 | 7,646 |
| Total noninterest income | $164,000 | 7,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $164,000 | 5,346 |
| Total noninterest expense | $985,000 | 8,004 |
| Salaries and employee benefits | $473,000 | 8,296 |
| Premises and equipment expense | $251,000 | 6,079 |
| Additional noninterest expense | $261,000 | 8,135 |
| Pre-tax net operating income | $642,000 | 6,015 |
| Securities gains (losses) | $15,000 | 3,362 |
| Applicable income taxes | $238,000 | 4,689 |
| Income before extraordinary items | $419,000 | 6,466 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $419,000 | 6,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $409,400 | 6,406 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,065,000 | 7,347 |
| Total interest expense | $1,640,000 | 6,876 |
| Net interest income | $1,425,000 | 7,598 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $135,000 | 8,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $135,000 | 5,731 |
| Total noninterest expense | $933,000 | 8,215 |
| Salaries and employee benefits | $427,000 | 8,619 |
| Premises and equipment expense | $242,000 | 6,158 |
| Additional noninterest expense | $264,000 | 8,226 |
| Pre-tax net operating income | $607,000 | 6,560 |
| Securities gains (losses) | $16,000 | 1,014 |
| Applicable income taxes | $225,000 | 5,176 |
| Income before extraordinary items | $398,000 | 6,871 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $398,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,044 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $387,760 | 6,933 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,011,000 | 7,369 |
| Total interest expense | $1,541,000 | 6,879 |
| Net interest income | $1,470,000 | 7,641 |
| Provision for loan and lease losses | $14,000 | 7,935 |
| Total noninterest income | $165,000 | 7,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $165,000 | 5,379 |
| Total noninterest expense | $927,000 | 8,339 |
| Salaries and employee benefits | $441,000 | 8,671 |
| Premises and equipment expense | $239,000 | 6,199 |
| Additional noninterest expense | $247,000 | 8,585 |
| Pre-tax net operating income | $694,000 | 6,335 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $233,000 | 5,368 |
| Income before extraordinary items | $459,000 | 6,647 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $459,000 | 6,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $460,320 | 6,616 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,837,000 | 7,723 |
| Total interest expense | $1,510,000 | 7,169 |
| Net interest income | $1,327,000 | 8,056 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $152,000 | 8,197 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $152,000 | 5,647 |
| Total noninterest expense | $860,000 | 8,569 |
| Salaries and employee benefits | $412,000 | 8,897 |
| Premises and equipment expense | $218,000 | 6,462 |
| Additional noninterest expense | $230,000 | 8,792 |
| Pre-tax net operating income | $607,000 | 6,872 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $206,000 | 6,123 |
| Income before extraordinary items | $401,000 | 7,211 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $401,000 | 7,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,603 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $401,000 | 7,122 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,807,000 | 7,992 |
| Total interest expense | $1,500,000 | 7,349 |
| Net interest income | $1,307,000 | 8,456 |
| Provision for loan and lease losses | $12,000 | 8,256 |
| Total noninterest income | $130,000 | 8,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $130,000 | 6,075 |
| Total noninterest expense | $841,000 | 8,888 |
| Salaries and employee benefits | $391,000 | 9,316 |
| Premises and equipment expense | $202,000 | 6,803 |
| Additional noninterest expense | $248,000 | 8,870 |
| Pre-tax net operating income | $584,000 | 7,497 |
| Securities gains (losses) | $-9,000 | 9,978 |
| Applicable income taxes | $197,000 | 6,916 |
| Income before extraordinary items | $378,000 | 7,793 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $378,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $383,940 | 7,699 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,664,000 | 8,476 |
| Total interest expense | $1,409,000 | 7,815 |
| Net interest income | $1,255,000 | 8,882 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $120,000 | 9,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $120,000 | 6,594 |
| Total noninterest expense | $1,019,000 | 8,611 |
| Salaries and employee benefits | $380,000 | 9,743 |
| Premises and equipment expense | $171,000 | 7,604 |
| Additional noninterest expense | $468,000 | 7,320 |
| Pre-tax net operating income | $344,000 | 8,838 |
| Securities gains (losses) | $-16,000 | 10,516 |
| Applicable income taxes | $75,000 | 9,249 |
| Income before extraordinary items | $253,000 | 8,806 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $253,000 | 8,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $265,320 | 8,645 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,629,000 | 8,750 |
| Total interest expense | $1,333,000 | 8,179 |
| Net interest income | $1,296,000 | 9,090 |
| Provision for loan and lease losses | $22,000 | 7,572 |
| Total noninterest income | $98,000 | 10,324 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $98,000 | 7,303 |
| Total noninterest expense | $813,000 | 9,716 |
| Salaries and employee benefits | $369,000 | 10,175 |
| Premises and equipment expense | $161,000 | 8,015 |
| Additional noninterest expense | $283,000 | 9,437 |
| Pre-tax net operating income | $559,000 | 8,130 |
| Securities gains (losses) | $-26,000 | 10,740 |
| Applicable income taxes | $191,000 | 7,580 |
| Income before extraordinary items | $342,000 | 8,553 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $342,000 | 8,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $358,640 | 8,384 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,349,000 | 9,170 |
| Total interest expense | $1,028,000 | 8,569 |
| Net interest income | $1,321,000 | 9,393 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $120,000 | 10,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $120,000 | 6,933 |
| Total noninterest expense | $745,000 | 10,495 |
| Salaries and employee benefits | $358,000 | 10,658 |
| Premises and equipment expense | $135,000 | 8,947 |
| Additional noninterest expense | $252,000 | 10,498 |
| Pre-tax net operating income | $684,000 | 7,494 |
| Securities gains (losses) | $-76,000 | 11,350 |
| Applicable income taxes | $224,000 | 6,953 |
| Income before extraordinary items | $384,000 | 8,317 |
| Extraordinary gains, net | $2,000 | 243 |
| Net income | $386,000 | 8,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $432,640 | 7,930 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,254,000 | 9,665 |
| Total interest expense | $1,010,000 | 9,064 |
| Net interest income | $1,244,000 | 9,923 |
| Provision for loan and lease losses | $30,000 | 8,397 |
| Total noninterest income | $132,000 | 10,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $132,000 | 6,969 |
| Total noninterest expense | $728,000 | 11,027 |
| Salaries and employee benefits | $347,000 | 11,179 |
| Premises and equipment expense | $139,000 | 9,201 |
| Additional noninterest expense | $242,000 | 11,172 |
| Pre-tax net operating income | $618,000 | 7,831 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $233,000 | 7,046 |
| Income before extraordinary items | $386,000 | 8,571 |
| Extraordinary gains, net | $4,000 | 3,080 |
| Net income | $390,000 | 8,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $385,360 | 8,322 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 10,163 |
| Total interest expense | $1,171,000 | 9,712 |
| Net interest income | $1,194,000 | 10,347 |
| Provision for loan and lease losses | $33,000 | 9,854 |
| Total noninterest income | $139,000 | 10,707 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $139,000 | 6,908 |
| Total noninterest expense | $673,000 | 11,663 |
| Salaries and employee benefits | $306,000 | 11,946 |
| Premises and equipment expense | $131,000 | 9,652 |
| Additional noninterest expense | $236,000 | 11,725 |
| Pre-tax net operating income | $627,000 | 7,538 |
| Securities gains (losses) | $-9,000 | 13,256 |
| Applicable income taxes | $232,000 | 6,961 |
| Income before extraordinary items | $386,000 | 8,360 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $386,000 | 8,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $391,760 | 7,950 |
* 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.