Home > Oswego County National Bank > Income and Expense
Oswego County National Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,220,000 | 2,999 |
| Total interest expense | $3,445,000 | 3,153 |
| Net interest income | $5,775,000 | 2,877 |
| Provision for loan and lease losses | $1,060,000 | 717 |
| Total noninterest income | $2,255,000 | 1,627 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,417,000 | 938 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $838,000 | 2,063 |
| Total noninterest expense | $6,383,000 | 2,067 |
| Salaries and employee benefits | $3,335,000 | 2,204 |
| Premises and equipment expense | $991,000 | 1,920 |
| Additional noninterest expense | $2,057,000 | 1,898 |
| Pre-tax net operating income | $587,000 | 5,908 |
| Securities gains (losses) | $-5,000 | 7,392 |
| Applicable income taxes | $102,000 | 4,911 |
| Income before extraordinary items | $480,000 | 5,844 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $480,000 | 5,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $943,000 | 488 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $484,100 | 5,828 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,989,000 | 3,034 |
| Total interest expense | $2,232,000 | 3,117 |
| Net interest income | $3,757,000 | 2,956 |
| Provision for loan and lease losses | $241,000 | 1,803 |
| Total noninterest income | $1,556,000 | 1,582 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $931,000 | 938 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $625,000 | 1,901 |
| Total noninterest expense | $4,230,000 | 2,086 |
| Salaries and employee benefits | $2,279,000 | 2,156 |
| Premises and equipment expense | $662,000 | 1,901 |
| Additional noninterest expense | $1,289,000 | 2,045 |
| Pre-tax net operating income | $842,000 | 4,203 |
| Securities gains (losses) | $-5,000 | 7,694 |
| Applicable income taxes | $142,000 | 4,093 |
| Income before extraordinary items | $695,000 | 4,090 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $695,000 | 4,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 1,359 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $699,150 | 4,064 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,934,000 | 3,030 |
| Total interest expense | $1,072,000 | 3,074 |
| Net interest income | $1,862,000 | 2,960 |
| Provision for loan and lease losses | $117,000 | 1,801 |
| Total noninterest income | $747,000 | 1,611 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $452,000 | 939 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $295,000 | 1,970 |
| Total noninterest expense | $2,084,000 | 2,122 |
| Salaries and employee benefits | $1,132,000 | 2,179 |
| Premises and equipment expense | $350,000 | 1,806 |
| Additional noninterest expense | $602,000 | 2,148 |
| Pre-tax net operating income | $408,000 | 4,232 |
| Securities gains (losses) | $-5,000 | 8,100 |
| Applicable income taxes | $70,000 | 4,045 |
| Income before extraordinary items | $333,000 | 4,142 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $333,000 | 4,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,382 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $337,150 | 4,092 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,925,000 | 2,916 |
| Total interest expense | $3,589,000 | 2,877 |
| Net interest income | $7,336,000 | 2,920 |
| Provision for loan and lease losses | $497,000 | 1,917 |
| Total noninterest income | $2,937,000 | 1,642 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,828,000 | 951 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,109,000 | 2,066 |
| Total noninterest expense | $8,339,000 | 2,003 |
| Salaries and employee benefits | $4,358,000 | 2,116 |
| Premises and equipment expense | $1,199,000 | 1,998 |
| Additional noninterest expense | $2,782,000 | 1,815 |
| Pre-tax net operating income | $1,437,000 | 4,485 |
| Securities gains (losses) | $70,000 | 822 |
| Applicable income taxes | $90,000 | 5,449 |
| Income before extraordinary items | $1,417,000 | 3,920 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,417,000 | 3,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 1,219 |
| Cash dividends | $8,181,000 | 442 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,351,200 | 4,008 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,033,000 | 2,924 |
| Total interest expense | $2,539,000 | 2,897 |
| Net interest income | $5,494,000 | 2,913 |
| Provision for loan and lease losses | $378,000 | 1,794 |
| Total noninterest income | $2,210,000 | 1,638 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,387,000 | 939 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $823,000 | 2,079 |
| Total noninterest expense | $6,193,000 | 2,005 |
| Salaries and employee benefits | $3,258,000 | 2,101 |
| Premises and equipment expense | $875,000 | 2,037 |
| Additional noninterest expense | $2,060,000 | 1,816 |
| Pre-tax net operating income | $1,133,000 | 4,465 |
| Securities gains (losses) | $70,000 | 777 |
| Applicable income taxes | $120,000 | 5,060 |
| Income before extraordinary items | $1,083,000 | 3,943 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,083,000 | 3,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,106 |
| Cash dividends | $8,181,000 | 337 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,020,000 | 4,060 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,245,000 | 2,909 |
| Total interest expense | $1,614,000 | 2,884 |
| Net interest income | $3,631,000 | 2,909 |
| Provision for loan and lease losses | $242,000 | 1,825 |
| Total noninterest income | $1,467,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $922,000 | 918 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $545,000 | 2,062 |
| Total noninterest expense | $4,107,000 | 2,008 |
| Salaries and employee benefits | $2,146,000 | 2,107 |
| Premises and equipment expense | $583,000 | 2,029 |
| Additional noninterest expense | $1,378,000 | 1,789 |
| Pre-tax net operating income | $749,000 | 4,443 |
| Securities gains (losses) | $70,000 | 686 |
| Applicable income taxes | $133,000 | 4,417 |
| Income before extraordinary items | $686,000 | 4,050 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $686,000 | 4,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 1,180 |
| Cash dividends | $8,180,000 | 232 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $627,200 | 4,246 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,558,000 | 2,936 |
| Total interest expense | $800,000 | 2,790 |
| Net interest income | $1,758,000 | 2,982 |
| Provision for loan and lease losses | $116,000 | 1,844 |
| Total noninterest income | $774,000 | 1,532 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $446,000 | 920 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $328,000 | 1,790 |
| Total noninterest expense | $2,108,000 | 1,962 |
| Salaries and employee benefits | $1,122,000 | 2,034 |
| Premises and equipment expense | $311,000 | 1,922 |
| Additional noninterest expense | $675,000 | 1,827 |
| Pre-tax net operating income | $308,000 | 4,920 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $55,000 | 4,637 |
| Income before extraordinary items | $253,000 | 4,835 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $253,000 | 4,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 972 |
| Cash dividends | $181,000 | 2,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $253,000 | 4,797 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,059,000 | 2,812 |
| Total interest expense | $3,047,000 | 2,600 |
| Net interest income | $7,012,000 | 2,873 |
| Provision for loan and lease losses | $556,000 | 1,792 |
| Total noninterest income | $3,184,000 | 1,518 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,980,000 | 879 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,204,000 | 1,904 |
| Total noninterest expense | $8,112,000 | 1,974 |
| Salaries and employee benefits | $4,231,000 | 2,067 |
| Premises and equipment expense | $1,308,000 | 1,765 |
| Additional noninterest expense | $2,573,000 | 1,885 |
| Pre-tax net operating income | $1,528,000 | 4,203 |
| Securities gains (losses) | $58,000 | 1,619 |
| Applicable income taxes | $178,000 | 4,892 |
| Income before extraordinary items | $1,408,000 | 3,792 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,408,000 | 3,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,639 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,356,380 | 3,824 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,467,000 | 2,801 |
| Total interest expense | $2,268,000 | 2,569 |
| Net interest income | $5,199,000 | 2,892 |
| Provision for loan and lease losses | $402,000 | 1,762 |
| Total noninterest income | $2,444,000 | 1,507 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,478,000 | 885 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $966,000 | 1,812 |
| Total noninterest expense | $6,112,000 | 1,965 |
| Salaries and employee benefits | $3,207,000 | 2,027 |
| Premises and equipment expense | $981,000 | 1,768 |
| Additional noninterest expense | $1,924,000 | 1,860 |
| Pre-tax net operating income | $1,129,000 | 4,322 |
| Securities gains (losses) | $46,000 | 1,731 |
| Applicable income taxes | $129,000 | 5,050 |
| Income before extraordinary items | $1,046,000 | 3,897 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,046,000 | 3,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,557 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,005,060 | 3,917 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,916,000 | 2,830 |
| Total interest expense | $1,489,000 | 2,591 |
| Net interest income | $3,427,000 | 2,911 |
| Provision for loan and lease losses | $251,000 | 1,816 |
| Total noninterest income | $1,822,000 | 1,378 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,090,000 | 803 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $732,000 | 1,661 |
| Total noninterest expense | $4,266,000 | 1,871 |
| Salaries and employee benefits | $2,177,000 | 2,000 |
| Premises and equipment expense | $657,000 | 1,755 |
| Additional noninterest expense | $1,432,000 | 1,677 |
| Pre-tax net operating income | $732,000 | 4,345 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $81,000 | 5,100 |
| Income before extraordinary items | $655,000 | 4,000 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $655,000 | 4,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 1,558 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $651,440 | 3,932 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,427,000 | 2,876 |
| Total interest expense | $726,000 | 2,673 |
| Net interest income | $1,701,000 | 2,917 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $832,000 | 1,449 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $517,000 | 815 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $315,000 | 1,824 |
| Total noninterest expense | $2,201,000 | 1,828 |
| Salaries and employee benefits | $1,155,000 | 1,903 |
| Premises and equipment expense | $336,000 | 1,732 |
| Additional noninterest expense | $710,000 | 1,674 |
| Pre-tax net operating income | $242,000 | 5,361 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $27,000 | 5,505 |
| Income before extraordinary items | $215,000 | 5,157 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $215,000 | 5,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,853 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $215,000 | 5,029 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,344,000 | 3,009 |
| Total interest expense | $3,089,000 | 2,787 |
| Net interest income | $6,255,000 | 3,073 |
| Provision for loan and lease losses | $445,000 | 2,386 |
| Total noninterest income | $3,383,000 | 1,529 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,303,000 | 737 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,080,000 | 2,277 |
| Total noninterest expense | $8,142,000 | 1,957 |
| Salaries and employee benefits | $4,051,000 | 2,098 |
| Premises and equipment expense | $1,231,000 | 1,859 |
| Additional noninterest expense | $2,860,000 | 1,692 |
| Pre-tax net operating income | $1,051,000 | 5,042 |
| Securities gains (losses) | $141,000 | 1,603 |
| Applicable income taxes | $87,000 | 5,864 |
| Income before extraordinary items | $1,105,000 | 4,364 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,105,000 | 4,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 1,732 |
| Cash dividends | $215,000 | 4,833 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $973,870 | 4,551 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,947,000 | 3,078 |
| Total interest expense | $2,339,000 | 2,856 |
| Net interest income | $4,608,000 | 3,122 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $2,605,000 | 1,537 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,746,000 | 737 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $859,000 | 2,265 |
| Total noninterest expense | $6,142,000 | 1,936 |
| Salaries and employee benefits | $3,026,000 | 2,114 |
| Premises and equipment expense | $908,000 | 1,887 |
| Additional noninterest expense | $2,208,000 | 1,651 |
| Pre-tax net operating income | $801,000 | 5,127 |
| Securities gains (losses) | $87,000 | 1,867 |
| Applicable income taxes | $107,000 | 5,498 |
| Income before extraordinary items | $781,000 | 4,667 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $781,000 | 4,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,805 |
| Cash dividends | $215,000 | 3,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $704,440 | 4,789 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,592,000 | 3,121 |
| Total interest expense | $1,583,000 | 2,901 |
| Net interest income | $3,009,000 | 3,181 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $1,555,000 | 1,671 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,153,000 | 740 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $402,000 | 2,794 |
| Total noninterest expense | $3,945,000 | 2,004 |
| Salaries and employee benefits | $1,976,000 | 2,149 |
| Premises and equipment expense | $601,000 | 1,898 |
| Additional noninterest expense | $1,368,000 | 1,758 |
| Pre-tax net operating income | $439,000 | 5,646 |
| Securities gains (losses) | $87,000 | 1,615 |
| Applicable income taxes | $53,000 | 5,859 |
| Income before extraordinary items | $473,000 | 4,939 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $473,000 | 4,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 1,433 |
| Cash dividends | $215,000 | 3,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $394,700 | 5,240 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,310,000 | 3,114 |
| Total interest expense | $815,000 | 2,891 |
| Net interest income | $1,495,000 | 3,175 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $784,000 | 1,609 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $577,000 | 717 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $207,000 | 2,666 |
| Total noninterest expense | $1,986,000 | 1,970 |
| Salaries and employee benefits | $971,000 | 2,175 |
| Premises and equipment expense | $306,000 | 1,868 |
| Additional noninterest expense | $709,000 | 1,662 |
| Pre-tax net operating income | $203,000 | 5,807 |
| Securities gains (losses) | $84,000 | 1,095 |
| Applicable income taxes | $29,000 | 5,756 |
| Income before extraordinary items | $258,000 | 4,634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $258,000 | 4,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $107,000 | 2,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $182,400 | 5,359 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,752,000 | 3,083 |
| Total interest expense | $3,832,000 | 2,853 |
| Net interest income | $5,920,000 | 3,176 |
| Provision for loan and lease losses | $412,000 | 2,773 |
| Total noninterest income | $2,687,000 | 1,691 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,220,000 | 723 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $467,000 | 3,412 |
| Total noninterest expense | $7,008,000 | 2,145 |
| Salaries and employee benefits | $3,573,000 | 2,240 |
| Premises and equipment expense | $1,024,000 | 2,135 |
| Additional noninterest expense | $2,411,000 | 1,917 |
| Pre-tax net operating income | $1,187,000 | 4,745 |
| Securities gains (losses) | $123,000 | 1,564 |
| Applicable income taxes | $196,000 | 5,150 |
| Income before extraordinary items | $1,114,000 | 4,288 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,114,000 | 4,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,463 |
| Cash dividends | $274,000 | 4,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,009,450 | 4,446 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,012,000 | 3,310 |
| Total interest expense | $4,718,000 | 3,320 |
| Net interest income | $5,294,000 | 3,284 |
| Provision for loan and lease losses | $144,000 | 4,879 |
| Total noninterest income | $1,927,000 | 2,074 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,591,000 | 930 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $336,000 | 3,886 |
| Total noninterest expense | $5,674,000 | 2,497 |
| Salaries and employee benefits | $2,810,000 | 2,665 |
| Premises and equipment expense | $877,000 | 2,422 |
| Additional noninterest expense | $1,987,000 | 2,256 |
| Pre-tax net operating income | $1,403,000 | 4,041 |
| Securities gains (losses) | $51,000 | 2,322 |
| Applicable income taxes | $310,000 | 4,199 |
| Income before extraordinary items | $1,144,000 | 3,929 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,144,000 | 3,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 2,083 |
| Cash dividends | $271,000 | 4,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,103,710 | 3,897 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,191,000 | 3,670 |
| Total interest expense | $4,177,000 | 3,840 |
| Net interest income | $5,014,000 | 3,455 |
| Provision for loan and lease losses | $169,000 | 4,168 |
| Total noninterest income | $1,402,000 | 2,466 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,135,000 | 1,196 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $267,000 | 4,168 |
| Total noninterest expense | $5,385,000 | 2,532 |
| Salaries and employee benefits | $2,494,000 | 2,835 |
| Premises and equipment expense | $778,000 | 2,646 |
| Additional noninterest expense | $2,113,000 | 2,051 |
| Pre-tax net operating income | $862,000 | 5,665 |
| Securities gains (losses) | $-11,000 | 8,394 |
| Applicable income taxes | $242,000 | 5,047 |
| Income before extraordinary items | $609,000 | 5,791 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $609,000 | 5,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,906 |
| Cash dividends | $75,000 | 6,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $616,920 | 5,774 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,847,000 | 3,980 |
| Total interest expense | $3,165,000 | 4,400 |
| Net interest income | $4,682,000 | 3,662 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $476,000 | 5,105 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $388,000 | 3,295 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $88,000 | 6,924 |
| Total noninterest expense | $4,665,000 | 2,896 |
| Salaries and employee benefits | $2,071,000 | 3,330 |
| Premises and equipment expense | $700,000 | 2,862 |
| Additional noninterest expense | $1,894,000 | 2,312 |
| Pre-tax net operating income | $373,000 | 7,724 |
| Securities gains (losses) | $7,000 | 1,949 |
| Applicable income taxes | $108,000 | 6,819 |
| Income before extraordinary items | $272,000 | 7,774 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $272,000 | 7,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,266 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $266,960 | 7,795 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,935,000 | 3,965 |
| Total interest expense | $3,388,000 | 4,269 |
| Net interest income | $4,547,000 | 3,700 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $427,000 | 5,412 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $307,000 | 3,873 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $120,000 | 6,209 |
| Total noninterest expense | $4,394,000 | 2,953 |
| Salaries and employee benefits | $1,983,000 | 3,364 |
| Premises and equipment expense | $610,000 | 3,114 |
| Additional noninterest expense | $1,801,000 | 2,319 |
| Pre-tax net operating income | $460,000 | 7,583 |
| Securities gains (losses) | $11,000 | 2,878 |
| Applicable income taxes | $162,000 | 6,678 |
| Income before extraordinary items | $309,000 | 7,811 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $309,000 | 7,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $461,000 | 1,344 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $301,740 | 7,794 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,317,000 | 3,838 |
| Total interest expense | $3,738,000 | 3,925 |
| Net interest income | $4,579,000 | 3,772 |
| Provision for loan and lease losses | $395,000 | 2,128 |
| Total noninterest income | $364,000 | 6,049 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $253,000 | 4,626 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $111,000 | 6,492 |
| Total noninterest expense | $4,153,000 | 3,076 |
| Salaries and employee benefits | $1,903,000 | 3,457 |
| Premises and equipment expense | $530,000 | 3,518 |
| Additional noninterest expense | $1,720,000 | 2,408 |
| Pre-tax net operating income | $395,000 | 8,470 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $202,000 | 6,846 |
| Income before extraordinary items | $189,000 | 9,256 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $189,000 | 9,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $569,000 | 1,217 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $191,560 | 9,193 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,293,000 | 3,895 |
| Total interest expense | $3,973,000 | 3,731 |
| Net interest income | $4,320,000 | 4,017 |
| Provision for loan and lease losses | $940,000 | 1,074 |
| Total noninterest income | $353,000 | 6,405 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $250,000 | 4,824 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $103,000 | 7,023 |
| Total noninterest expense | $3,913,000 | 3,415 |
| Salaries and employee benefits | $1,729,000 | 3,804 |
| Premises and equipment expense | $461,000 | 4,038 |
| Additional noninterest expense | $1,723,000 | 2,788 |
| Pre-tax net operating income | $-180,000 | 11,050 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-119,000 | 11,197 |
| Income before extraordinary items | $-61,000 | 10,941 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-61,000 | 10,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,600 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-61,000 | 10,898 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,207,000 | 3,920 |
| Total interest expense | $3,573,000 | 4,077 |
| Net interest income | $4,634,000 | 3,791 |
| Provision for loan and lease losses | $460,000 | 1,682 |
| Total noninterest income | $288,000 | 7,218 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $183,000 | 5,995 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $105,000 | 7,073 |
| Total noninterest expense | $3,402,000 | 3,843 |
| Salaries and employee benefits | $1,767,000 | 3,708 |
| Premises and equipment expense | $483,000 | 3,873 |
| Additional noninterest expense | $1,152,000 | 3,884 |
| Pre-tax net operating income | $1,060,000 | 5,747 |
| Securities gains (losses) | $-131,000 | 11,582 |
| Applicable income taxes | $376,000 | 5,161 |
| Income before extraordinary items | $553,000 | 6,887 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $553,000 | 6,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,884 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $636,840 | 6,386 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,267,000 | 4,089 |
| Total interest expense | $3,086,000 | 3,866 |
| Net interest income | $4,181,000 | 4,212 |
| Provision for loan and lease losses | $250,000 | 2,585 |
| Total noninterest income | $245,000 | 8,030 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $155,000 | 6,770 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $90,000 | 7,838 |
| Total noninterest expense | $3,190,000 | 4,185 |
| Salaries and employee benefits | $1,723,000 | 3,785 |
| Premises and equipment expense | $366,000 | 4,924 |
| Additional noninterest expense | $1,101,000 | 4,349 |
| Pre-tax net operating income | $986,000 | 6,023 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $386,000 | 4,887 |
| Income before extraordinary items | $603,000 | 6,515 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $603,000 | 6,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,490 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $601,080 | 6,589 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,338,000 | 4,127 |
| Total interest expense | $3,355,000 | 3,736 |
| Net interest income | $3,983,000 | 4,422 |
| Provision for loan and lease losses | $132,000 | 4,966 |
| Total noninterest income | $311,000 | 7,500 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $138,000 | 7,392 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $173,000 | 6,106 |
| Total noninterest expense | $3,050,000 | 4,446 |
| Salaries and employee benefits | $1,602,000 | 4,025 |
| Premises and equipment expense | $340,000 | 5,343 |
| Additional noninterest expense | $1,108,000 | 4,506 |
| Pre-tax net operating income | $1,112,000 | 5,479 |
| Securities gains (losses) | $57,000 | 3,212 |
| Applicable income taxes | $438,000 | 4,683 |
| Income before extraordinary items | $731,000 | 5,927 |
| Extraordinary gains, net | $-111,000 | 12,936 |
| Net income | $620,000 | 6,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,933 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $694,520 | 5,879 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,500,000 | 4,070 |
| Total interest expense | $4,515,000 | 3,634 |
| Net interest income | $3,985,000 | 4,462 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $198,000 | 9,453 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $115,000 | 8,077 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $83,000 | 8,724 |
| Total noninterest expense | $2,712,000 | 4,953 |
| Salaries and employee benefits | $1,387,000 | 4,535 |
| Premises and equipment expense | $299,000 | 5,991 |
| Additional noninterest expense | $1,026,000 | 4,956 |
| Pre-tax net operating income | $1,351,000 | 4,472 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $532,000 | 3,789 |
| Income before extraordinary items | $825,000 | 5,237 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $825,000 | 5,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $821,160 | 4,955 |
* 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.