Home > Osage Valley Bank > Income and Expense
Osage Valley Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,264,000 | 5,410 |
| Total interest expense | $3,051,000 | 4,280 |
| Net interest income | $2,213,000 | 6,323 |
| Provision for loan and lease losses | $32,000 | 5,980 |
| Total noninterest income | $624,000 | 4,633 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $573,000 | 2,781 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $51,000 | 7,226 |
| Total noninterest expense | $2,224,000 | 5,845 |
| Salaries and employee benefits | $1,194,000 | 5,933 |
| Premises and equipment expense | $357,000 | 5,278 |
| Additional noninterest expense | $673,000 | 5,752 |
| Pre-tax net operating income | $581,000 | 6,249 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $106,000 | 4,923 |
| Income before extraordinary items | $475,000 | 6,240 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $475,000 | 6,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,095 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $475,000 | 6,236 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,885,000 | 5,454 |
| Total interest expense | $2,232,000 | 4,251 |
| Net interest income | $1,653,000 | 6,385 |
| Provision for loan and lease losses | $21,000 | 5,957 |
| Total noninterest income | $467,000 | 4,670 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $429,000 | 2,806 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $38,000 | 7,269 |
| Total noninterest expense | $1,608,000 | 5,937 |
| Salaries and employee benefits | $884,000 | 5,930 |
| Premises and equipment expense | $249,000 | 5,492 |
| Additional noninterest expense | $475,000 | 5,912 |
| Pre-tax net operating income | $491,000 | 6,255 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $98,000 | 4,946 |
| Income before extraordinary items | $393,000 | 6,268 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $393,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,411 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $393,000 | 6,263 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,542,000 | 5,481 |
| Total interest expense | $1,431,000 | 4,239 |
| Net interest income | $1,111,000 | 6,406 |
| Provision for loan and lease losses | $21,000 | 5,479 |
| Total noninterest income | $300,000 | 4,742 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $278,000 | 2,829 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $22,000 | 7,458 |
| Total noninterest expense | $1,050,000 | 6,025 |
| Salaries and employee benefits | $588,000 | 5,970 |
| Premises and equipment expense | $160,000 | 5,602 |
| Additional noninterest expense | $302,000 | 6,066 |
| Pre-tax net operating income | $340,000 | 6,217 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $71,000 | 4,907 |
| Income before extraordinary items | $269,000 | 6,235 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $269,000 | 6,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,558 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $269,000 | 6,241 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,250,000 | 5,479 |
| Total interest expense | $677,000 | 4,261 |
| Net interest income | $573,000 | 6,348 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $141,000 | 4,826 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $132,000 | 2,871 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $510,000 | 6,123 |
| Salaries and employee benefits | $291,000 | 6,034 |
| Premises and equipment expense | $76,000 | 5,765 |
| Additional noninterest expense | $143,000 | 6,200 |
| Pre-tax net operating income | $194,000 | 5,906 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $42,000 | 4,694 |
| Income before extraordinary items | $152,000 | 5,939 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $152,000 | 5,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $152,000 | 5,936 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,720,000 | 5,341 |
| Total interest expense | $2,191,000 | 4,168 |
| Net interest income | $2,529,000 | 6,015 |
| Provision for loan and lease losses | $42,000 | 5,929 |
| Total noninterest income | $574,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $464,000 | 3,213 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $110,000 | 6,262 |
| Total noninterest expense | $1,899,000 | 6,275 |
| Salaries and employee benefits | $1,055,000 | 6,201 |
| Premises and equipment expense | $248,000 | 6,233 |
| Additional noninterest expense | $596,000 | 6,082 |
| Pre-tax net operating income | $1,162,000 | 4,971 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $299,000 | 4,138 |
| Income before extraordinary items | $863,000 | 5,174 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $863,000 | 5,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $600,000 | 3,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $863,000 | 5,146 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,508,000 | 5,339 |
| Total interest expense | $1,570,000 | 4,168 |
| Net interest income | $1,938,000 | 5,978 |
| Provision for loan and lease losses | $31,000 | 5,788 |
| Total noninterest income | $363,000 | 5,343 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $328,000 | 3,354 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,480 |
| Total noninterest expense | $1,349,000 | 6,403 |
| Salaries and employee benefits | $775,000 | 6,232 |
| Premises and equipment expense | $176,000 | 6,342 |
| Additional noninterest expense | $398,000 | 6,371 |
| Pre-tax net operating income | $921,000 | 4,979 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $248,000 | 4,101 |
| Income before extraordinary items | $673,000 | 5,182 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $673,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $673,000 | 5,136 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,318,000 | 5,298 |
| Total interest expense | $1,004,000 | 4,114 |
| Net interest income | $1,314,000 | 5,917 |
| Provision for loan and lease losses | $21,000 | 5,614 |
| Total noninterest income | $221,000 | 5,518 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $200,000 | 3,514 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $21,000 | 7,597 |
| Total noninterest expense | $879,000 | 6,469 |
| Salaries and employee benefits | $510,000 | 6,275 |
| Premises and equipment expense | $111,000 | 6,473 |
| Additional noninterest expense | $258,000 | 6,435 |
| Pre-tax net operating income | $635,000 | 4,870 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $174,000 | 4,033 |
| Income before extraordinary items | $461,000 | 5,088 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $461,000 | 5,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $461,000 | 5,042 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,145,000 | 5,314 |
| Total interest expense | $486,000 | 4,096 |
| Net interest income | $659,000 | 5,919 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $95,000 | 5,801 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $86,000 | 3,771 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,829 |
| Total noninterest expense | $431,000 | 6,562 |
| Salaries and employee benefits | $248,000 | 6,409 |
| Premises and equipment expense | $55,000 | 6,532 |
| Additional noninterest expense | $128,000 | 6,480 |
| Pre-tax net operating income | $313,000 | 4,885 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $86,000 | 4,012 |
| Income before extraordinary items | $227,000 | 5,113 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $227,000 | 5,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $227,000 | 5,087 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,352,000 | 5,297 |
| Total interest expense | $1,668,000 | 4,202 |
| Net interest income | $2,684,000 | 5,773 |
| Provision for loan and lease losses | $42,000 | 6,127 |
| Total noninterest income | $387,000 | 5,871 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $346,000 | 3,968 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $41,000 | 7,647 |
| Total noninterest expense | $1,744,000 | 6,456 |
| Salaries and employee benefits | $908,000 | 6,579 |
| Premises and equipment expense | $254,000 | 6,147 |
| Additional noninterest expense | $582,000 | 6,095 |
| Pre-tax net operating income | $1,285,000 | 4,618 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $358,000 | 3,902 |
| Income before extraordinary items | $927,000 | 4,893 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $927,000 | 4,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $900,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $927,000 | 4,827 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,227,000 | 5,301 |
| Total interest expense | $1,206,000 | 4,265 |
| Net interest income | $2,021,000 | 5,764 |
| Provision for loan and lease losses | $31,000 | 5,966 |
| Total noninterest income | $290,000 | 5,897 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $259,000 | 4,008 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 7,667 |
| Total noninterest expense | $1,272,000 | 6,506 |
| Salaries and employee benefits | $675,000 | 6,567 |
| Premises and equipment expense | $188,000 | 6,172 |
| Additional noninterest expense | $409,000 | 6,244 |
| Pre-tax net operating income | $1,008,000 | 4,582 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $293,000 | 3,838 |
| Income before extraordinary items | $715,000 | 4,899 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $715,000 | 4,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $715,000 | 4,812 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 5,335 |
| Total interest expense | $802,000 | 4,281 |
| Net interest income | $1,337,000 | 5,775 |
| Provision for loan and lease losses | $21,000 | 5,806 |
| Total noninterest income | $191,000 | 5,926 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $172,000 | 4,025 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $19,000 | 7,792 |
| Total noninterest expense | $847,000 | 6,559 |
| Salaries and employee benefits | $446,000 | 6,636 |
| Premises and equipment expense | $126,000 | 6,189 |
| Additional noninterest expense | $275,000 | 6,246 |
| Pre-tax net operating income | $660,000 | 4,595 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $191,000 | 3,862 |
| Income before extraordinary items | $469,000 | 4,900 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $469,000 | 4,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $469,000 | 4,813 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,079,000 | 5,332 |
| Total interest expense | $410,000 | 4,248 |
| Net interest income | $669,000 | 5,777 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $91,000 | 5,996 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 4,055 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,000 | 7,855 |
| Total noninterest expense | $417,000 | 6,641 |
| Salaries and employee benefits | $220,000 | 6,718 |
| Premises and equipment expense | $62,000 | 6,230 |
| Additional noninterest expense | $135,000 | 6,311 |
| Pre-tax net operating income | $333,000 | 4,562 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $97,000 | 3,835 |
| Income before extraordinary items | $236,000 | 4,904 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $236,000 | 4,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $236,000 | 4,775 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,234,000 | 5,442 |
| Total interest expense | $1,681,000 | 4,546 |
| Net interest income | $2,553,000 | 5,834 |
| Provision for loan and lease losses | $42,000 | 6,478 |
| Total noninterest income | $362,000 | 6,181 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $320,000 | 4,151 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $42,000 | 7,762 |
| Total noninterest expense | $1,596,000 | 6,724 |
| Salaries and employee benefits | $774,000 | 7,009 |
| Premises and equipment expense | $268,000 | 5,987 |
| Additional noninterest expense | $554,000 | 6,232 |
| Pre-tax net operating income | $1,277,000 | 4,522 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $360,000 | 3,983 |
| Income before extraordinary items | $917,000 | 4,884 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $917,000 | 4,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $800,000 | 2,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $917,000 | 4,724 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,165,000 | 5,507 |
| Total interest expense | $1,268,000 | 4,645 |
| Net interest income | $1,897,000 | 5,897 |
| Provision for loan and lease losses | $31,000 | 6,364 |
| Total noninterest income | $270,000 | 6,236 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $237,000 | 4,197 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $33,000 | 7,758 |
| Total noninterest expense | $1,169,000 | 6,778 |
| Salaries and employee benefits | $569,000 | 7,052 |
| Premises and equipment expense | $204,000 | 5,957 |
| Additional noninterest expense | $396,000 | 6,366 |
| Pre-tax net operating income | $967,000 | 4,640 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $275,000 | 4,082 |
| Income before extraordinary items | $692,000 | 5,024 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $692,000 | 5,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $692,000 | 4,831 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,104,000 | 5,564 |
| Total interest expense | $849,000 | 4,747 |
| Net interest income | $1,255,000 | 5,919 |
| Provision for loan and lease losses | $21,000 | 6,267 |
| Total noninterest income | $171,000 | 6,338 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $153,000 | 4,233 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $18,000 | 7,952 |
| Total noninterest expense | $772,000 | 6,821 |
| Salaries and employee benefits | $381,000 | 7,072 |
| Premises and equipment expense | $133,000 | 5,992 |
| Additional noninterest expense | $258,000 | 6,434 |
| Pre-tax net operating income | $633,000 | 4,682 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $175,000 | 4,229 |
| Income before extraordinary items | $458,000 | 5,032 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $458,000 | 5,032 |
| 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 | $458,000 | 4,828 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,033,000 | 5,661 |
| Total interest expense | $429,000 | 4,816 |
| Net interest income | $604,000 | 6,045 |
| Provision for loan and lease losses | $10,000 | 6,044 |
| Total noninterest income | $83,000 | 6,334 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $75,000 | 4,221 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $385,000 | 6,830 |
| Salaries and employee benefits | $191,000 | 7,087 |
| Premises and equipment expense | $66,000 | 6,019 |
| Additional noninterest expense | $128,000 | 6,459 |
| Pre-tax net operating income | $292,000 | 4,853 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $79,000 | 4,379 |
| Income before extraordinary items | $213,000 | 5,162 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $213,000 | 5,161 |
| 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 | $213,000 | 4,968 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,497,000 | 5,529 |
| Total interest expense | $1,865,000 | 5,041 |
| Net interest income | $2,632,000 | 5,738 |
| Provision for loan and lease losses | $36,000 | 7,011 |
| Total noninterest income | $305,000 | 6,424 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $262,000 | 4,578 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 7,790 |
| Total noninterest expense | $1,570,000 | 6,708 |
| Salaries and employee benefits | $713,000 | 7,226 |
| Premises and equipment expense | $196,000 | 6,807 |
| Additional noninterest expense | $661,000 | 5,598 |
| Pre-tax net operating income | $1,331,000 | 4,421 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $372,000 | 4,039 |
| Income before extraordinary items | $959,000 | 4,707 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $959,000 | 4,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $500,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $959,000 | 4,588 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,621,000 | 5,882 |
| Total interest expense | $2,300,000 | 5,664 |
| Net interest income | $2,321,000 | 5,971 |
| Provision for loan and lease losses | $104,000 | 5,529 |
| Total noninterest income | $218,000 | 7,142 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $178,000 | 5,424 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $40,000 | 8,001 |
| Total noninterest expense | $1,490,000 | 6,819 |
| Salaries and employee benefits | $631,000 | 7,528 |
| Premises and equipment expense | $127,000 | 7,892 |
| Additional noninterest expense | $732,000 | 5,105 |
| Pre-tax net operating income | $945,000 | 5,044 |
| Securities gains (losses) | $432,000 | 668 |
| Applicable income taxes | $467,000 | 3,443 |
| Income before extraordinary items | $910,000 | 4,534 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $910,000 | 4,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,947 |
| Cash dividends | $800,000 | 2,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $624,880 | 5,379 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,188,000 | 6,341 |
| Total interest expense | $2,172,000 | 6,016 |
| Net interest income | $2,016,000 | 6,536 |
| Provision for loan and lease losses | $17,000 | 7,726 |
| Total noninterest income | $205,000 | 7,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 5,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 7,528 |
| Total noninterest expense | $1,397,000 | 7,004 |
| Salaries and employee benefits | $569,000 | 7,871 |
| Premises and equipment expense | $127,000 | 7,974 |
| Additional noninterest expense | $701,000 | 5,169 |
| Pre-tax net operating income | $807,000 | 5,849 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $247,000 | 5,010 |
| Income before extraordinary items | $560,000 | 6,038 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $560,000 | 6,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $560,000 | 6,045 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,523,000 | 6,801 |
| Total interest expense | $1,753,000 | 6,456 |
| Net interest income | $1,770,000 | 7,069 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $199,000 | 7,509 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 5,914 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 7,953 |
| Total noninterest expense | $1,148,000 | 7,708 |
| Salaries and employee benefits | $591,000 | 7,805 |
| Premises and equipment expense | $128,000 | 8,069 |
| Additional noninterest expense | $429,000 | 7,055 |
| Pre-tax net operating income | $809,000 | 5,892 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $36,000 | 7,887 |
| Income before extraordinary items | $773,000 | 5,187 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $773,000 | 5,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $33,000 | 6,792 |
| Sale, conversion, retirement of capital stock, net | $-52,000 | 10,080 |
| Net operating income | $773,000 | 5,151 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,205,000 | 7,281 |
| Total interest expense | $1,549,000 | 7,090 |
| Net interest income | $1,656,000 | 7,373 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $178,000 | 7,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,129 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,530 |
| Total noninterest expense | $1,072,000 | 7,905 |
| Salaries and employee benefits | $543,000 | 8,096 |
| Premises and equipment expense | $125,000 | 8,162 |
| Additional noninterest expense | $404,000 | 7,188 |
| Pre-tax net operating income | $750,000 | 6,296 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $160,000 | 6,714 |
| Income before extraordinary items | $590,000 | 6,103 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $590,000 | 6,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $310,000 | 4,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $590,000 | 5,997 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,961,000 | 7,804 |
| Total interest expense | $1,425,000 | 7,527 |
| Net interest income | $1,536,000 | 7,899 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $177,000 | 8,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 6,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,650 |
| Total noninterest expense | $993,000 | 8,364 |
| Salaries and employee benefits | $492,000 | 8,662 |
| Premises and equipment expense | $119,000 | 8,523 |
| Additional noninterest expense | $382,000 | 7,511 |
| Pre-tax net operating income | $702,000 | 6,969 |
| Securities gains (losses) | $16,000 | 2,045 |
| Applicable income taxes | $170,000 | 7,324 |
| Income before extraordinary items | $548,000 | 6,681 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $548,000 | 6,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $100,000 | 6,450 |
| Sale, conversion, retirement of capital stock, net | $-275,000 | 10,816 |
| Net operating income | $535,840 | 6,711 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,714,000 | 8,398 |
| Total interest expense | $1,257,000 | 8,221 |
| Net interest income | $1,457,000 | 8,372 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $179,000 | 8,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 7,313 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,080 |
| Total noninterest expense | $935,000 | 8,945 |
| Salaries and employee benefits | $495,000 | 8,923 |
| Premises and equipment expense | $50,000 | 10,636 |
| Additional noninterest expense | $390,000 | 7,964 |
| Pre-tax net operating income | $665,000 | 7,095 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $146,000 | 7,940 |
| Income before extraordinary items | $519,000 | 6,773 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $519,000 | 6,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $208,000 | 5,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $519,000 | 6,717 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,422,000 | 9,087 |
| Total interest expense | $1,105,000 | 8,888 |
| Net interest income | $1,317,000 | 9,026 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $156,000 | 9,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 7,904 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 8,706 |
| Total noninterest expense | $889,000 | 9,396 |
| Salaries and employee benefits | $453,000 | 9,510 |
| Premises and equipment expense | $108,000 | 9,386 |
| Additional noninterest expense | $328,000 | 8,943 |
| Pre-tax net operating income | $560,000 | 8,121 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $82,000 | 9,543 |
| Income before extraordinary items | $478,000 | 7,417 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $478,000 | 7,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $206,000 | 5,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $478,000 | 7,382 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,040,000 | 9,734 |
| Total interest expense | $809,000 | 9,563 |
| Net interest income | $1,231,000 | 9,672 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $118,000 | 10,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 8,498 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,653 |
| Total noninterest expense | $833,000 | 10,078 |
| Salaries and employee benefits | $406,000 | 10,237 |
| Premises and equipment expense | $87,000 | 10,436 |
| Additional noninterest expense | $340,000 | 9,468 |
| Pre-tax net operating income | $492,000 | 8,712 |
| Securities gains (losses) | $9,000 | 2,280 |
| Applicable income taxes | $125,000 | 8,819 |
| Income before extraordinary items | $376,000 | 8,398 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $376,000 | 8,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $157,000 | 5,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $369,250 | 8,513 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,013,000 | 10,143 |
| Total interest expense | $820,000 | 9,932 |
| Net interest income | $1,193,000 | 10,082 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $154,000 | 10,123 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 8,238 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 10,159 |
| Total noninterest expense | $809,000 | 10,623 |
| Salaries and employee benefits | $398,000 | 10,651 |
| Premises and equipment expense | $93,000 | 10,682 |
| Additional noninterest expense | $318,000 | 10,214 |
| Pre-tax net operating income | $518,000 | 8,545 |
| Securities gains (losses) | $29,000 | 4,143 |
| Applicable income taxes | $120,000 | 9,304 |
| Income before extraordinary items | $427,000 | 8,162 |
| Extraordinary gains, net | $5,000 | 3,059 |
| Net income | $432,000 | 8,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $213,000 | 5,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $404,380 | 8,107 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,187,000 | 10,507 |
| Total interest expense | $1,057,000 | 10,152 |
| Net interest income | $1,130,000 | 10,587 |
| Provision for loan and lease losses | $23,000 | 10,448 |
| Total noninterest income | $133,000 | 10,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 8,186 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 12,406 |
| Total noninterest expense | $758,000 | 11,217 |
| Salaries and employee benefits | $374,000 | 11,165 |
| Premises and equipment expense | $85,000 | 11,297 |
| Additional noninterest expense | $299,000 | 10,840 |
| Pre-tax net operating income | $482,000 | 8,533 |
| Securities gains (losses) | $37,000 | 4,622 |
| Applicable income taxes | $120,000 | 9,356 |
| Income before extraordinary items | $399,000 | 8,235 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $399,000 | 8,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $193,000 | 5,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $370,510 | 8,146 |
* 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.