Home > Oak Hill Banks > Income and Expense
Oak Hill Banks, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $42,185,000 | 509 |
| Total interest expense | $14,517,000 | 434 |
| Net interest income | $27,668,000 | 551 |
| Provision for loan and lease losses | $1,761,000 | 458 |
| Total noninterest income | $5,319,000 | 809 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,637,000 | 510 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,682,000 | 871 |
| Total noninterest expense | $16,542,000 | 722 |
| Salaries and employee benefits | $7,018,000 | 914 |
| Premises and equipment expense | $1,595,000 | 1,093 |
| Additional noninterest expense | $7,929,000 | 510 |
| Pre-tax net operating income | $14,684,000 | 497 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $4,618,000 | 515 |
| Income before extraordinary items | $10,070,000 | 521 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $10,070,000 | 522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $964,000 | 585 |
| Cash dividends | $3,000,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $10,067,240 | 498 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $27,691,000 | 507 |
| Total interest expense | $9,500,000 | 433 |
| Net interest income | $18,191,000 | 550 |
| Provision for loan and lease losses | $1,044,000 | 504 |
| Total noninterest income | $3,408,000 | 826 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,710,000 | 518 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,698,000 | 899 |
| Total noninterest expense | $10,906,000 | 732 |
| Salaries and employee benefits | $4,660,000 | 918 |
| Premises and equipment expense | $1,063,000 | 1,095 |
| Additional noninterest expense | $5,183,000 | 519 |
| Pre-tax net operating income | $9,649,000 | 497 |
| Securities gains (losses) | $201,000 | 651 |
| Applicable income taxes | $3,296,000 | 494 |
| Income before extraordinary items | $6,554,000 | 541 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,554,000 | 540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $619,000 | 601 |
| Cash dividends | $2,000,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,419,330 | 526 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $13,755,000 | 517 |
| Total interest expense | $4,730,000 | 450 |
| Net interest income | $9,025,000 | 557 |
| Provision for loan and lease losses | $476,000 | 540 |
| Total noninterest income | $1,491,000 | 917 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $818,000 | 525 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $673,000 | 1,039 |
| Total noninterest expense | $5,406,000 | 743 |
| Salaries and employee benefits | $2,339,000 | 926 |
| Premises and equipment expense | $555,000 | 1,065 |
| Additional noninterest expense | $2,512,000 | 528 |
| Pre-tax net operating income | $4,634,000 | 513 |
| Securities gains (losses) | $123,000 | 709 |
| Applicable income taxes | $1,591,000 | 509 |
| Income before extraordinary items | $3,166,000 | 562 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,166,000 | 561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 719 |
| Cash dividends | $1,000,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,083,590 | 533 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $53,187,000 | 540 |
| Total interest expense | $19,729,000 | 470 |
| Net interest income | $33,458,000 | 573 |
| Provision for loan and lease losses | $2,954,000 | 483 |
| Total noninterest income | $8,350,000 | 754 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,055,000 | 565 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,295,000 | 727 |
| Total noninterest expense | $20,284,000 | 800 |
| Salaries and employee benefits | $9,309,000 | 913 |
| Premises and equipment expense | $1,922,000 | 1,173 |
| Additional noninterest expense | $9,053,000 | 608 |
| Pre-tax net operating income | $18,570,000 | 514 |
| Securities gains (losses) | $333,000 | 989 |
| Applicable income taxes | $6,295,000 | 514 |
| Income before extraordinary items | $12,608,000 | 555 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $12,608,000 | 555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,313,000 | 743 |
| Cash dividends | $5,700,000 | 565 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $12,384,890 | 527 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $39,583,000 | 560 |
| Total interest expense | $14,921,000 | 489 |
| Net interest income | $24,662,000 | 590 |
| Provision for loan and lease losses | $2,248,000 | 479 |
| Total noninterest income | $6,356,000 | 779 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,177,000 | 597 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,179,000 | 730 |
| Total noninterest expense | $15,133,000 | 806 |
| Salaries and employee benefits | $7,094,000 | 912 |
| Premises and equipment expense | $1,440,000 | 1,185 |
| Additional noninterest expense | $6,599,000 | 622 |
| Pre-tax net operating income | $13,637,000 | 526 |
| Securities gains (losses) | $255,000 | 1,069 |
| Applicable income taxes | $4,518,000 | 554 |
| Income before extraordinary items | $9,374,000 | 574 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $9,374,000 | 573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,070,000 | 661 |
| Cash dividends | $2,700,000 | 792 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $9,203,150 | 538 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $26,580,000 | 561 |
| Total interest expense | $10,103,000 | 493 |
| Net interest income | $16,477,000 | 590 |
| Provision for loan and lease losses | $1,378,000 | 513 |
| Total noninterest income | $3,874,000 | 817 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,307,000 | 652 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,567,000 | 760 |
| Total noninterest expense | $10,043,000 | 812 |
| Salaries and employee benefits | $4,762,000 | 904 |
| Premises and equipment expense | $981,000 | 1,165 |
| Additional noninterest expense | $4,300,000 | 632 |
| Pre-tax net operating income | $8,930,000 | 530 |
| Securities gains (losses) | $165,000 | 1,171 |
| Applicable income taxes | $2,951,000 | 560 |
| Income before extraordinary items | $6,144,000 | 581 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,144,000 | 580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $680,000 | 683 |
| Cash dividends | $1,800,000 | 819 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $6,031,800 | 543 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $13,296,000 | 570 |
| Total interest expense | $5,142,000 | 499 |
| Net interest income | $8,154,000 | 597 |
| Provision for loan and lease losses | $408,000 | 709 |
| Total noninterest income | $1,577,000 | 937 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $475,000 | 868 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,102,000 | 838 |
| Total noninterest expense | $4,991,000 | 813 |
| Salaries and employee benefits | $2,408,000 | 894 |
| Premises and equipment expense | $526,000 | 1,101 |
| Additional noninterest expense | $2,057,000 | 646 |
| Pre-tax net operating income | $4,332,000 | 550 |
| Securities gains (losses) | $142,000 | 822 |
| Applicable income taxes | $1,452,000 | 581 |
| Income before extraordinary items | $3,022,000 | 581 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,022,000 | 579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 1,048 |
| Cash dividends | $900,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,925,440 | 562 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $55,305,000 | 572 |
| Total interest expense | $24,036,000 | 485 |
| Net interest income | $31,269,000 | 613 |
| Provision for loan and lease losses | $2,419,000 | 640 |
| Total noninterest income | $5,292,000 | 1,000 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,710,000 | 938 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,582,000 | 893 |
| Total noninterest expense | $19,102,000 | 825 |
| Salaries and employee benefits | $8,792,000 | 912 |
| Premises and equipment expense | $1,678,000 | 1,307 |
| Additional noninterest expense | $8,632,000 | 625 |
| Pre-tax net operating income | $15,040,000 | 580 |
| Securities gains (losses) | $315,000 | 869 |
| Applicable income taxes | $4,912,000 | 599 |
| Income before extraordinary items | $10,443,000 | 605 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $10,443,000 | 606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,636,000 | 633 |
| Cash dividends | $2,700,000 | 1,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $10,228,800 | 591 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $40,994,000 | 834 |
| Total interest expense | $20,776,000 | 796 |
| Net interest income | $20,218,000 | 871 |
| Provision for loan and lease losses | $1,467,000 | 925 |
| Total noninterest income | $3,191,000 | 1,408 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,565,000 | 948 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,626,000 | 1,432 |
| Total noninterest expense | $11,771,000 | 1,236 |
| Salaries and employee benefits | $5,390,000 | 1,392 |
| Premises and equipment expense | $996,000 | 2,140 |
| Additional noninterest expense | $5,385,000 | 903 |
| Pre-tax net operating income | $10,171,000 | 750 |
| Securities gains (losses) | $-8,000 | 9,262 |
| Applicable income taxes | $3,254,000 | 782 |
| Income before extraordinary items | $6,909,000 | 805 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,909,000 | 805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $644,000 | 1,293 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,914,440 | 770 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $37,561,000 | 941 |
| Total interest expense | $19,855,000 | 894 |
| Net interest income | $17,706,000 | 981 |
| Provision for loan and lease losses | $1,441,000 | 793 |
| Total noninterest income | $2,203,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,300,000 | 1,036 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $903,000 | 1,984 |
| Total noninterest expense | $10,028,000 | 1,382 |
| Salaries and employee benefits | $4,223,000 | 1,696 |
| Premises and equipment expense | $860,000 | 2,401 |
| Additional noninterest expense | $4,945,000 | 953 |
| Pre-tax net operating income | $8,440,000 | 919 |
| Securities gains (losses) | $-357,000 | 9,669 |
| Applicable income taxes | $2,687,000 | 906 |
| Income before extraordinary items | $5,396,000 | 997 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,396,000 | 997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $883,000 | 824 |
| Cash dividends | $850,000 | 2,553 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,635,190 | 942 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $35,575,000 | 941 |
| Total interest expense | $16,811,000 | 930 |
| Net interest income | $18,764,000 | 938 |
| Provision for loan and lease losses | $1,500,000 | 695 |
| Total noninterest income | $2,170,000 | 1,748 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,230,000 | 1,088 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $940,000 | 1,950 |
| Total noninterest expense | $9,687,000 | 1,431 |
| Salaries and employee benefits | $5,918,000 | 1,163 |
| Premises and equipment expense | $1,277,000 | 1,602 |
| Additional noninterest expense | $2,492,000 | 1,777 |
| Pre-tax net operating income | $9,747,000 | 846 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $3,265,000 | 825 |
| Income before extraordinary items | $6,490,000 | 870 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,490,000 | 870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $779,000 | 858 |
| Cash dividends | $8,500,000 | 455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $6,484,640 | 858 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $32,758,000 | 1,008 |
| Total interest expense | $15,793,000 | 1,003 |
| Net interest income | $16,965,000 | 991 |
| Provision for loan and lease losses | $1,187,000 | 843 |
| Total noninterest income | $2,336,000 | 1,636 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,008,000 | 1,243 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,328,000 | 1,516 |
| Total noninterest expense | $9,034,000 | 1,465 |
| Salaries and employee benefits | $5,029,000 | 1,305 |
| Premises and equipment expense | $1,241,000 | 1,576 |
| Additional noninterest expense | $2,764,000 | 1,559 |
| Pre-tax net operating income | $9,080,000 | 864 |
| Securities gains (losses) | $236,000 | 839 |
| Applicable income taxes | $3,040,000 | 857 |
| Income before extraordinary items | $6,276,000 | 868 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,276,000 | 868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $666,000 | 1,004 |
| Cash dividends | $3,600,000 | 845 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $6,117,880 | 852 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $28,254,000 | 1,188 |
| Total interest expense | $13,778,000 | 1,177 |
| Net interest income | $14,476,000 | 1,211 |
| Provision for loan and lease losses | $1,150,000 | 881 |
| Total noninterest income | $1,503,000 | 2,195 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $836,000 | 1,559 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $667,000 | 2,289 |
| Total noninterest expense | $8,602,000 | 1,527 |
| Salaries and employee benefits | $4,342,000 | 1,496 |
| Premises and equipment expense | $1,189,000 | 1,649 |
| Additional noninterest expense | $3,071,000 | 1,414 |
| Pre-tax net operating income | $6,227,000 | 1,258 |
| Securities gains (losses) | $-90,000 | 10,752 |
| Applicable income taxes | $2,107,000 | 1,256 |
| Income before extraordinary items | $4,030,000 | 1,358 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,030,000 | 1,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,155 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,089,400 | 1,294 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,176,000 | 1,758 |
| Total interest expense | $8,957,000 | 1,757 |
| Net interest income | $10,219,000 | 1,730 |
| Provision for loan and lease losses | $759,000 | 1,246 |
| Total noninterest income | $1,186,000 | 2,712 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $700,000 | 1,938 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $486,000 | 2,983 |
| Total noninterest expense | $5,875,000 | 2,343 |
| Salaries and employee benefits | $3,314,000 | 1,999 |
| Premises and equipment expense | $867,000 | 2,278 |
| Additional noninterest expense | $1,694,000 | 2,825 |
| Pre-tax net operating income | $4,771,000 | 1,515 |
| Securities gains (losses) | $17,000 | 2,110 |
| Applicable income taxes | $1,586,000 | 1,522 |
| Income before extraordinary items | $3,202,000 | 1,549 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,202,000 | 1,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 2,338 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,190,610 | 1,526 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,811,000 | 2,004 |
| Total interest expense | $8,191,000 | 1,920 |
| Net interest income | $8,620,000 | 2,087 |
| Provision for loan and lease losses | $428,000 | 1,773 |
| Total noninterest income | $1,025,000 | 3,048 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $602,000 | 2,264 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $423,000 | 3,199 |
| Total noninterest expense | $5,348,000 | 2,540 |
| Salaries and employee benefits | $3,010,000 | 2,202 |
| Premises and equipment expense | $757,000 | 2,620 |
| Additional noninterest expense | $1,581,000 | 2,962 |
| Pre-tax net operating income | $3,869,000 | 1,923 |
| Securities gains (losses) | $-109,000 | 11,524 |
| Applicable income taxes | $1,254,000 | 1,946 |
| Income before extraordinary items | $2,506,000 | 2,017 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,506,000 | 2,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,527 |
| Cash dividends | $2,250,000 | 1,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,579,030 | 1,929 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,553,000 | 2,262 |
| Total interest expense | $5,435,000 | 2,284 |
| Net interest income | $8,118,000 | 2,222 |
| Provision for loan and lease losses | $269,000 | 2,462 |
| Total noninterest income | $784,000 | 3,785 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $466,000 | 2,968 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $318,000 | 3,929 |
| Total noninterest expense | $5,414,000 | 2,567 |
| Salaries and employee benefits | $2,900,000 | 2,310 |
| Premises and equipment expense | $684,000 | 2,877 |
| Additional noninterest expense | $1,830,000 | 2,785 |
| Pre-tax net operating income | $3,219,000 | 2,203 |
| Securities gains (losses) | $-80,000 | 11,384 |
| Applicable income taxes | $1,041,000 | 2,145 |
| Income before extraordinary items | $2,098,000 | 2,315 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,098,000 | 2,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,399 |
| Cash dividends | $358,000 | 4,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,151,600 | 2,284 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,739,000 | 2,423 |
| Total interest expense | $5,320,000 | 2,427 |
| Net interest income | $7,419,000 | 2,420 |
| Provision for loan and lease losses | $426,000 | 2,347 |
| Total noninterest income | $901,000 | 3,630 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $418,000 | 3,311 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $483,000 | 3,337 |
| Total noninterest expense | $4,786,000 | 2,963 |
| Salaries and employee benefits | $2,617,000 | 2,536 |
| Premises and equipment expense | $627,000 | 3,188 |
| Additional noninterest expense | $1,542,000 | 3,426 |
| Pre-tax net operating income | $3,108,000 | 2,194 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,155,000 | 1,981 |
| Income before extraordinary items | $1,953,000 | 2,585 |
| Extraordinary gains, net | $556,000 | 403 |
| Net income | $2,509,000 | 2,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 3,502 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,953,000 | 2,434 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,183,000 | 2,877 |
| Total interest expense | $5,517,000 | 3,016 |
| Net interest income | $6,666,000 | 2,749 |
| Provision for loan and lease losses | $491,000 | 3,045 |
| Total noninterest income | $563,000 | 5,201 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $355,000 | 3,860 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $208,000 | 5,533 |
| Total noninterest expense | $4,068,000 | 3,444 |
| Salaries and employee benefits | $2,277,000 | 2,845 |
| Premises and equipment expense | $539,000 | 3,721 |
| Additional noninterest expense | $1,252,000 | 4,180 |
| Pre-tax net operating income | $2,670,000 | 2,311 |
| Securities gains (losses) | $50,000 | 4,121 |
| Applicable income taxes | $1,030,000 | 2,052 |
| Income before extraordinary items | $1,690,000 | 2,723 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,690,000 | 2,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 4,479 |
| Cash dividends | $325,000 | 3,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,658,000 | 2,569 |
* 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.