Home > Northwest Bank > Income and Expense
Northwest Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,021,000 | 3,860 |
| Total interest expense | $1,923,000 | 5,516 |
| Net interest income | $7,098,000 | 3,067 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $765,000 | 4,172 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $775,000 | 2,173 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-10,000 | 8,639 |
| Total noninterest expense | $5,011,000 | 3,354 |
| Salaries and employee benefits | $2,735,000 | 3,381 |
| Premises and equipment expense | $423,000 | 4,750 |
| Additional noninterest expense | $1,853,000 | 2,740 |
| Pre-tax net operating income | $2,852,000 | 2,872 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $949,000 | 2,273 |
| Income before extraordinary items | $1,903,000 | 3,208 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,903,000 | 3,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 1,387 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,903,000 | 3,196 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,900,000 | 4,223 |
| Total interest expense | $1,185,000 | 5,939 |
| Net interest income | $4,715,000 | 3,425 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $766,000 | 3,487 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $516,000 | 2,417 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $250,000 | 4,097 |
| Total noninterest expense | $2,988,000 | 3,988 |
| Salaries and employee benefits | $1,572,000 | 4,107 |
| Premises and equipment expense | $412,000 | 4,031 |
| Additional noninterest expense | $1,004,000 | 3,591 |
| Pre-tax net operating income | $2,493,000 | 2,659 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $846,000 | 2,119 |
| Income before extraordinary items | $1,647,000 | 2,985 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,647,000 | 2,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 2,301 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,647,000 | 2,978 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,860,000 | 5,119 |
| Total interest expense | $544,000 | 6,686 |
| Net interest income | $2,316,000 | 4,272 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $386,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $257,000 | 3,011 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $129,000 | 4,602 |
| Total noninterest expense | $1,444,000 | 5,020 |
| Salaries and employee benefits | $752,000 | 5,181 |
| Premises and equipment expense | $199,000 | 4,947 |
| Additional noninterest expense | $493,000 | 4,530 |
| Pre-tax net operating income | $1,258,000 | 3,259 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $437,000 | 2,491 |
| Income before extraordinary items | $821,000 | 3,688 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $821,000 | 3,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,027 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $821,000 | 3,681 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,588,000 | 3,351 |
| Total interest expense | $459,000 | 5,357 |
| Net interest income | $2,129,000 | 2,649 |
| Provision for loan and lease losses | $605,000 | 398 |
| Total noninterest income | $417,000 | 2,491 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $290,000 | 1,468 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $127,000 | 3,279 |
| Total noninterest expense | $2,872,000 | 1,562 |
| Salaries and employee benefits | $1,532,000 | 1,621 |
| Premises and equipment expense | $245,000 | 2,511 |
| Additional noninterest expense | $1,095,000 | 1,212 |
| Pre-tax net operating income | $-931,000 | 8,752 |
| Securities gains (losses) | $-44,000 | 8,539 |
| Applicable income taxes | $-231,000 | 8,741 |
| Income before extraordinary items | $-744,000 | 8,741 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-744,000 | 8,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 574 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-710,560 | 8,729 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,537,000 | 3,563 |
| Total interest expense | $1,225,000 | 5,759 |
| Net interest income | $7,312,000 | 2,934 |
| Provision for loan and lease losses | $320,000 | 2,696 |
| Total noninterest income | $1,893,000 | 2,307 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,226,000 | 1,426 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $667,000 | 2,853 |
| Total noninterest expense | $6,135,000 | 2,697 |
| Salaries and employee benefits | $3,028,000 | 2,935 |
| Premises and equipment expense | $836,000 | 2,783 |
| Additional noninterest expense | $2,271,000 | 2,206 |
| Pre-tax net operating income | $2,750,000 | 2,964 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $918,000 | 2,374 |
| Income before extraordinary items | $1,832,000 | 3,312 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,832,000 | 3,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,849 |
| Cash dividends | $15,000 | 5,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,832,000 | 3,276 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,112,000 | 3,648 |
| Total interest expense | $802,000 | 6,013 |
| Net interest income | $5,310,000 | 3,000 |
| Provision for loan and lease losses | $175,000 | 3,250 |
| Total noninterest income | $1,434,000 | 2,284 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $909,000 | 1,421 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $525,000 | 2,785 |
| Total noninterest expense | $4,229,000 | 2,870 |
| Salaries and employee benefits | $2,197,000 | 2,992 |
| Premises and equipment expense | $633,000 | 2,732 |
| Additional noninterest expense | $1,399,000 | 2,626 |
| Pre-tax net operating income | $2,340,000 | 2,706 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $796,000 | 2,208 |
| Income before extraordinary items | $1,544,000 | 3,057 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,544,000 | 3,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,351 |
| Cash dividends | $15,000 | 5,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,544,000 | 3,024 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,913,000 | 3,702 |
| Total interest expense | $457,000 | 6,273 |
| Net interest income | $3,456,000 | 3,031 |
| Provision for loan and lease losses | $135,000 | 2,835 |
| Total noninterest income | $960,000 | 2,247 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $594,000 | 1,425 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $366,000 | 2,695 |
| Total noninterest expense | $2,760,000 | 2,927 |
| Salaries and employee benefits | $1,455,000 | 3,004 |
| Premises and equipment expense | $415,000 | 2,747 |
| Additional noninterest expense | $890,000 | 2,737 |
| Pre-tax net operating income | $1,521,000 | 2,719 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $517,000 | 2,229 |
| Income before extraordinary items | $1,004,000 | 3,081 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,004,000 | 3,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,361 |
| Cash dividends | $15,000 | 4,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,004,000 | 3,029 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,866,000 | 3,795 |
| Total interest expense | $203,000 | 6,502 |
| Net interest income | $1,663,000 | 3,109 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $455,000 | 2,286 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $277,000 | 1,467 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $178,000 | 2,669 |
| Total noninterest expense | $1,389,000 | 2,899 |
| Salaries and employee benefits | $752,000 | 2,920 |
| Premises and equipment expense | $205,000 | 2,817 |
| Additional noninterest expense | $432,000 | 2,809 |
| Pre-tax net operating income | $654,000 | 3,024 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $222,000 | 2,433 |
| Income before extraordinary items | $432,000 | 3,416 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $432,000 | 3,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 1,641 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $432,000 | 3,389 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,404,000 | 4,066 |
| Total interest expense | $654,000 | 6,747 |
| Net interest income | $5,750,000 | 3,397 |
| Provision for loan and lease losses | $182,000 | 3,865 |
| Total noninterest income | $1,551,000 | 2,622 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,173,000 | 1,505 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $378,000 | 3,810 |
| Total noninterest expense | $5,304,000 | 2,950 |
| Salaries and employee benefits | $2,695,000 | 3,149 |
| Premises and equipment expense | $816,000 | 2,739 |
| Additional noninterest expense | $1,793,000 | 2,658 |
| Pre-tax net operating income | $1,815,000 | 3,768 |
| Securities gains (losses) | $30,000 | 2,118 |
| Applicable income taxes | $599,000 | 3,036 |
| Income before extraordinary items | $1,246,000 | 4,112 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,246,000 | 4,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,525 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,225,600 | 4,078 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,703,000 | 4,116 |
| Total interest expense | $471,000 | 6,849 |
| Net interest income | $4,232,000 | 3,438 |
| Provision for loan and lease losses | $147,000 | 3,580 |
| Total noninterest income | $1,160,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $899,000 | 1,475 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $261,000 | 3,990 |
| Total noninterest expense | $3,950,000 | 2,941 |
| Salaries and employee benefits | $2,057,000 | 3,060 |
| Premises and equipment expense | $623,000 | 2,689 |
| Additional noninterest expense | $1,270,000 | 2,767 |
| Pre-tax net operating income | $1,295,000 | 3,964 |
| Securities gains (losses) | $13,000 | 2,563 |
| Applicable income taxes | $444,000 | 3,110 |
| Income before extraordinary items | $864,000 | 4,393 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $864,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,946 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $855,420 | 4,353 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,062,000 | 4,175 |
| Total interest expense | $308,000 | 6,928 |
| Net interest income | $2,754,000 | 3,496 |
| Provision for loan and lease losses | $87,000 | 3,810 |
| Total noninterest income | $742,000 | 2,726 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $607,000 | 1,445 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $135,000 | 4,514 |
| Total noninterest expense | $2,651,000 | 2,934 |
| Salaries and employee benefits | $1,363,000 | 3,094 |
| Premises and equipment expense | $409,000 | 2,737 |
| Additional noninterest expense | $879,000 | 2,680 |
| Pre-tax net operating income | $758,000 | 4,248 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $258,000 | 3,336 |
| Income before extraordinary items | $500,000 | 4,748 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $500,000 | 4,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $500,000 | 4,650 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,524,000 | 4,217 |
| Total interest expense | $154,000 | 6,981 |
| Net interest income | $1,370,000 | 3,509 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $403,000 | 2,518 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $301,000 | 1,418 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $102,000 | 3,674 |
| Total noninterest expense | $1,381,000 | 2,840 |
| Salaries and employee benefits | $701,000 | 3,028 |
| Premises and equipment expense | $203,000 | 2,778 |
| Additional noninterest expense | $477,000 | 2,477 |
| Pre-tax net operating income | $372,000 | 4,270 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $127,000 | 3,389 |
| Income before extraordinary items | $245,000 | 4,810 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $245,000 | 4,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,164 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $245,000 | 4,691 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,105,000 | 4,266 |
| Total interest expense | $716,000 | 6,984 |
| Net interest income | $5,389,000 | 3,488 |
| Provision for loan and lease losses | $310,000 | 3,086 |
| Total noninterest income | $1,642,000 | 2,647 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,273,000 | 1,362 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $369,000 | 4,120 |
| Total noninterest expense | $5,170,000 | 2,967 |
| Salaries and employee benefits | $2,647,000 | 3,109 |
| Premises and equipment expense | $832,000 | 2,663 |
| Additional noninterest expense | $1,691,000 | 2,766 |
| Pre-tax net operating income | $1,551,000 | 4,040 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $495,000 | 3,396 |
| Income before extraordinary items | $1,056,000 | 4,486 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,056,000 | 4,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 1,732 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,056,000 | 4,317 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,614,000 | 4,286 |
| Total interest expense | $555,000 | 7,054 |
| Net interest income | $4,059,000 | 3,487 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $1,233,000 | 2,721 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $958,000 | 1,361 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $275,000 | 4,188 |
| Total noninterest expense | $3,810,000 | 3,008 |
| Salaries and employee benefits | $2,034,000 | 3,046 |
| Premises and equipment expense | $612,000 | 2,726 |
| Additional noninterest expense | $1,164,000 | 2,971 |
| Pre-tax net operating income | $1,212,000 | 4,047 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $412,000 | 3,364 |
| Income before extraordinary items | $800,000 | 4,597 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $800,000 | 4,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 1,588 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $800,000 | 4,424 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,128,000 | 4,270 |
| Total interest expense | $381,000 | 7,099 |
| Net interest income | $2,747,000 | 3,431 |
| Provision for loan and lease losses | $230,000 | 2,276 |
| Total noninterest income | $820,000 | 2,709 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $631,000 | 1,359 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $189,000 | 4,137 |
| Total noninterest expense | $2,534,000 | 3,013 |
| Salaries and employee benefits | $1,380,000 | 3,004 |
| Premises and equipment expense | $394,000 | 2,806 |
| Additional noninterest expense | $760,000 | 3,002 |
| Pre-tax net operating income | $803,000 | 4,042 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $273,000 | 3,402 |
| Income before extraordinary items | $530,000 | 4,639 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $530,000 | 4,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 1,401 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $530,000 | 4,430 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,563,000 | 4,302 |
| Total interest expense | $201,000 | 7,054 |
| Net interest income | $1,362,000 | 3,435 |
| Provision for loan and lease losses | $110,000 | 2,202 |
| Total noninterest income | $406,000 | 2,646 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $293,000 | 1,414 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $113,000 | 3,713 |
| Total noninterest expense | $1,285,000 | 2,968 |
| Salaries and employee benefits | $710,000 | 2,917 |
| Premises and equipment expense | $199,000 | 2,770 |
| Additional noninterest expense | $376,000 | 3,009 |
| Pre-tax net operating income | $373,000 | 4,215 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $127,000 | 3,521 |
| Income before extraordinary items | $246,000 | 4,760 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $246,000 | 4,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 1,118 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $246,000 | 4,561 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,503,000 | 4,302 |
| Total interest expense | $1,189,000 | 6,461 |
| Net interest income | $5,314,000 | 3,485 |
| Provision for loan and lease losses | $370,000 | 2,992 |
| Total noninterest income | $1,632,000 | 2,481 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,170,000 | 1,382 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $462,000 | 3,432 |
| Total noninterest expense | $5,088,000 | 2,881 |
| Salaries and employee benefits | $2,709,000 | 2,895 |
| Premises and equipment expense | $795,000 | 2,702 |
| Additional noninterest expense | $1,584,000 | 2,838 |
| Pre-tax net operating income | $1,484,000 | 4,147 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $497,000 | 3,454 |
| Income before extraordinary items | $991,000 | 4,632 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $991,000 | 4,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $416,000 | 1,885 |
| Cash dividends | $40,000 | 6,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $991,000 | 4,502 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,848,000 | 4,500 |
| Total interest expense | $1,912,000 | 6,238 |
| Net interest income | $4,936,000 | 3,467 |
| Provision for loan and lease losses | $170,000 | 4,530 |
| Total noninterest income | $1,459,000 | 2,566 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $929,000 | 1,620 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $530,000 | 3,029 |
| Total noninterest expense | $4,515,000 | 3,086 |
| Salaries and employee benefits | $2,530,000 | 2,918 |
| Premises and equipment expense | $613,000 | 3,304 |
| Additional noninterest expense | $1,372,000 | 3,109 |
| Pre-tax net operating income | $1,710,000 | 3,541 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $569,000 | 3,062 |
| Income before extraordinary items | $1,141,000 | 3,936 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,141,000 | 3,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 9,387 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,141,000 | 3,797 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,225,000 | 4,952 |
| Total interest expense | $1,708,000 | 6,768 |
| Net interest income | $4,517,000 | 3,782 |
| Provision for loan and lease losses | $146,000 | 4,464 |
| Total noninterest income | $1,046,000 | 3,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $754,000 | 1,852 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $292,000 | 3,985 |
| Total noninterest expense | $3,907,000 | 3,396 |
| Salaries and employee benefits | $2,170,000 | 3,230 |
| Premises and equipment expense | $543,000 | 3,556 |
| Additional noninterest expense | $1,194,000 | 3,447 |
| Pre-tax net operating income | $1,510,000 | 4,057 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $479,000 | 3,584 |
| Income before extraordinary items | $1,031,000 | 4,293 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,031,000 | 4,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,565 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,031,000 | 4,300 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,710,000 | 5,779 |
| Total interest expense | $1,152,000 | 7,772 |
| Net interest income | $3,558,000 | 4,600 |
| Provision for loan and lease losses | $229,000 | 3,276 |
| Total noninterest income | $884,000 | 3,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $676,000 | 1,972 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 4,850 |
| Total noninterest expense | $3,047,000 | 4,153 |
| Salaries and employee benefits | $1,712,000 | 3,904 |
| Premises and equipment expense | $425,000 | 4,321 |
| Additional noninterest expense | $910,000 | 4,344 |
| Pre-tax net operating income | $1,166,000 | 4,850 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $392,000 | 4,227 |
| Income before extraordinary items | $774,000 | 5,182 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $774,000 | 5,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,890 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $774,000 | 5,145 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,644,000 | 6,803 |
| Total interest expense | $1,067,000 | 8,234 |
| Net interest income | $2,577,000 | 5,722 |
| Provision for loan and lease losses | $145,000 | 4,249 |
| Total noninterest income | $732,000 | 3,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $603,000 | 2,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,022 |
| Total noninterest expense | $2,433,000 | 4,864 |
| Salaries and employee benefits | $1,341,000 | 4,643 |
| Premises and equipment expense | $379,000 | 4,607 |
| Additional noninterest expense | $713,000 | 5,095 |
| Pre-tax net operating income | $731,000 | 6,373 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $247,000 | 5,684 |
| Income before extraordinary items | $484,000 | 6,695 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $484,000 | 6,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,203 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $484,000 | 6,592 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,805,000 | 7,999 |
| Total interest expense | $793,000 | 9,286 |
| Net interest income | $2,012,000 | 6,894 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $595,000 | 4,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $462,000 | 2,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 6,011 |
| Total noninterest expense | $1,669,000 | 6,370 |
| Salaries and employee benefits | $1,018,000 | 5,791 |
| Premises and equipment expense | $323,000 | 5,191 |
| Additional noninterest expense | $328,000 | 8,042 |
| Pre-tax net operating income | $838,000 | 6,377 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $283,000 | 5,886 |
| Income before extraordinary items | $555,000 | 6,639 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $555,000 | 6,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,933 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $555,000 | 6,581 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,416,000 | 8,804 |
| Total interest expense | $695,000 | 9,978 |
| Net interest income | $1,721,000 | 7,723 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $512,000 | 5,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $413,000 | 3,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,162 |
| Total noninterest expense | $1,619,000 | 6,796 |
| Salaries and employee benefits | $875,000 | 6,582 |
| Premises and equipment expense | $305,000 | 5,523 |
| Additional noninterest expense | $439,000 | 7,557 |
| Pre-tax net operating income | $534,000 | 7,757 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $185,000 | 7,367 |
| Income before extraordinary items | $347,000 | 8,030 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $347,000 | 8,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $348,300 | 7,959 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,928,000 | 9,838 |
| Total interest expense | $522,000 | 10,946 |
| Net interest income | $1,406,000 | 8,782 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $525,000 | 5,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $237,000 | 4,638 |
| Total noninterest expense | $1,260,000 | 7,991 |
| Salaries and employee benefits | $658,000 | 8,002 |
| Premises and equipment expense | $174,000 | 7,727 |
| Additional noninterest expense | $428,000 | 7,924 |
| Pre-tax net operating income | $671,000 | 7,467 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $220,000 | 7,096 |
| Income before extraordinary items | $437,000 | 7,755 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $437,000 | 7,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $446,380 | 7,643 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 10,635 |
| Total interest expense | $406,000 | 11,553 |
| Net interest income | $1,145,000 | 9,921 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $359,000 | 6,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $288,000 | 4,516 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,612 |
| Total noninterest expense | $1,081,000 | 9,050 |
| Salaries and employee benefits | $527,000 | 9,150 |
| Premises and equipment expense | $146,000 | 8,661 |
| Additional noninterest expense | $408,000 | 8,753 |
| Pre-tax net operating income | $418,000 | 9,223 |
| Securities gains (losses) | $17,000 | 1,895 |
| Applicable income taxes | $127,000 | 8,774 |
| Income before extraordinary items | $308,000 | 9,057 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $308,000 | 9,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $295,930 | 9,258 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,489,000 | 11,265 |
| Total interest expense | $424,000 | 12,113 |
| Net interest income | $1,065,000 | 10,548 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $370,000 | 6,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 4,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,389 |
| Total noninterest expense | $1,173,000 | 8,998 |
| Salaries and employee benefits | $515,000 | 9,523 |
| Premises and equipment expense | $185,000 | 8,012 |
| Additional noninterest expense | $471,000 | 8,505 |
| Pre-tax net operating income | $264,000 | 10,515 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $82,000 | 10,157 |
| Income before extraordinary items | $180,000 | 10,869 |
| Extraordinary gains, net | $303,000 | 709 |
| Net income | $483,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 5,334 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $181,380 | 10,640 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,481,000 | 12,013 |
| Total interest expense | $533,000 | 12,602 |
| Net interest income | $948,000 | 11,304 |
| Provision for loan and lease losses | $35,000 | 9,755 |
| Total noninterest income | $342,000 | 7,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,607 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 10,088 |
| Total noninterest expense | $1,036,000 | 9,826 |
| Salaries and employee benefits | $470,000 | 10,086 |
| Premises and equipment expense | $200,000 | 7,833 |
| Additional noninterest expense | $366,000 | 10,000 |
| Pre-tax net operating income | $219,000 | 10,893 |
| Securities gains (losses) | $33,000 | 4,829 |
| Applicable income taxes | $87,000 | 10,252 |
| Income before extraordinary items | $165,000 | 11,060 |
| Extraordinary gains, net | $68,000 | 900 |
| Net income | $233,000 | 10,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 6,726 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $143,550 | 11,027 |
* 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.