Home > Pamplico Bank and Trust Company > Income and Expense
Pamplico Bank and Trust Company, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $273,000 | 8,320 |
| Total interest expense | $72,000 | 8,375 |
| Net interest income | $201,000 | 8,162 |
| Provision for loan and lease losses | $5,000 | 5,396 |
| Total noninterest income | $17,000 | 7,989 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $13,000 | 6,796 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $4,000 | 8,000 |
| Total noninterest expense | $166,000 | 8,198 |
| Salaries and employee benefits | $125,000 | 7,886 |
| Premises and equipment expense | $11,000 | 8,362 |
| Additional noninterest expense | $30,000 | 8,457 |
| Pre-tax net operating income | $47,000 | 7,330 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $47,000 | 7,200 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $47,000 | 7,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,400 |
| Cash dividends | $40,000 | 3,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $47,000 | 7,194 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $959,000 | 8,305 |
| Total interest expense | $245,000 | 8,362 |
| Net interest income | $714,000 | 8,185 |
| Provision for loan and lease losses | $50,000 | 5,567 |
| Total noninterest income | $74,000 | 8,004 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $56,000 | 6,795 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 8,036 |
| Total noninterest expense | $661,000 | 8,228 |
| Salaries and employee benefits | $470,000 | 7,957 |
| Premises and equipment expense | $71,000 | 8,133 |
| Additional noninterest expense | $120,000 | 8,494 |
| Pre-tax net operating income | $77,000 | 7,770 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $20,000 | 5,921 |
| Income before extraordinary items | $57,000 | 7,829 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $57,000 | 7,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,266 |
| Cash dividends | $60,000 | 5,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $57,000 | 7,820 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $712,000 | 8,381 |
| Total interest expense | $173,000 | 8,439 |
| Net interest income | $539,000 | 8,257 |
| Provision for loan and lease losses | $40,000 | 5,377 |
| Total noninterest income | $59,000 | 8,037 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $44,000 | 6,845 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,025 |
| Total noninterest expense | $499,000 | 8,234 |
| Salaries and employee benefits | $354,000 | 7,947 |
| Premises and equipment expense | $55,000 | 8,153 |
| Additional noninterest expense | $90,000 | 8,537 |
| Pre-tax net operating income | $59,000 | 7,941 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $16,000 | 6,057 |
| Income before extraordinary items | $43,000 | 7,989 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $43,000 | 7,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,378 |
| Cash dividends | $60,000 | 4,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $43,000 | 7,981 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $484,000 | 8,417 |
| Total interest expense | $106,000 | 8,488 |
| Net interest income | $378,000 | 8,277 |
| Provision for loan and lease losses | $25,000 | 5,320 |
| Total noninterest income | $40,000 | 8,071 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $29,000 | 6,890 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,021 |
| Total noninterest expense | $332,000 | 8,270 |
| Salaries and employee benefits | $237,000 | 7,974 |
| Premises and equipment expense | $36,000 | 8,173 |
| Additional noninterest expense | $59,000 | 8,576 |
| Pre-tax net operating income | $61,000 | 7,900 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $9,000 | 6,166 |
| Income before extraordinary items | $52,000 | 7,885 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $52,000 | 7,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,703 |
| Cash dividends | $60,000 | 4,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $52,000 | 7,894 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $236,000 | 8,440 |
| Total interest expense | $50,000 | 8,529 |
| Net interest income | $186,000 | 8,313 |
| Provision for loan and lease losses | $10,000 | 5,231 |
| Total noninterest income | $22,000 | 7,973 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,731 |
| Total noninterest expense | $158,000 | 8,343 |
| Salaries and employee benefits | $119,000 | 7,994 |
| Premises and equipment expense | $11,000 | 8,487 |
| Additional noninterest expense | $28,000 | 8,613 |
| Pre-tax net operating income | $40,000 | 7,821 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,000 | 6,346 |
| Income before extraordinary items | $38,000 | 7,721 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $38,000 | 7,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,032 |
| Cash dividends | $60,000 | 3,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $38,000 | 7,720 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $857,000 | 8,444 |
| Total interest expense | $151,000 | 8,534 |
| Net interest income | $706,000 | 8,334 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $79,000 | 8,154 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $65,000 | 6,834 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $14,000 | 8,298 |
| Total noninterest expense | $687,000 | 8,264 |
| Salaries and employee benefits | $499,000 | 7,907 |
| Premises and equipment expense | $74,000 | 8,187 |
| Additional noninterest expense | $114,000 | 8,653 |
| Pre-tax net operating income | $98,000 | 8,006 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $33,000 | 6,099 |
| Income before extraordinary items | $65,000 | 8,095 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $65,000 | 8,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $60,000 | 5,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $65,000 | 8,067 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $632,000 | 8,488 |
| Total interest expense | $109,000 | 8,576 |
| Net interest income | $523,000 | 8,382 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $64,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $53,000 | 6,786 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,325 |
| Total noninterest expense | $490,000 | 8,301 |
| Salaries and employee benefits | $348,000 | 7,995 |
| Premises and equipment expense | $59,000 | 8,132 |
| Additional noninterest expense | $83,000 | 8,667 |
| Pre-tax net operating income | $97,000 | 8,029 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $10,000 | 6,526 |
| Income before extraordinary items | $87,000 | 8,024 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $87,000 | 8,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $60,000 | 4,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $87,000 | 7,991 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $418,000 | 8,504 |
| Total interest expense | $69,000 | 8,593 |
| Net interest income | $349,000 | 8,402 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $42,000 | 8,149 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $34,000 | 6,810 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $8,000 | 8,279 |
| Total noninterest expense | $327,000 | 8,307 |
| Salaries and employee benefits | $233,000 | 7,996 |
| Premises and equipment expense | $38,000 | 8,174 |
| Additional noninterest expense | $56,000 | 8,674 |
| Pre-tax net operating income | $64,000 | 8,065 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,000 | 6,782 |
| Income before extraordinary items | $62,000 | 8,018 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $62,000 | 8,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $60,000 | 4,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $62,000 | 7,986 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $211,000 | 8,577 |
| Total interest expense | $32,000 | 8,681 |
| Net interest income | $179,000 | 8,466 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $21,000 | 8,155 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,232 |
| Total noninterest expense | $163,000 | 8,385 |
| Salaries and employee benefits | $117,000 | 8,058 |
| Premises and equipment expense | $19,000 | 8,223 |
| Additional noninterest expense | $27,000 | 8,736 |
| Pre-tax net operating income | $37,000 | 8,060 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $37,000 | 7,981 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $37,000 | 7,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $60,000 | 3,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $37,000 | 7,953 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $850,000 | 8,524 |
| Total interest expense | $107,000 | 8,721 |
| Net interest income | $743,000 | 8,383 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $88,000 | 8,220 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $75,000 | 6,866 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,436 |
| Total noninterest expense | $683,000 | 8,348 |
| Salaries and employee benefits | $481,000 | 8,042 |
| Premises and equipment expense | $77,000 | 8,252 |
| Additional noninterest expense | $125,000 | 8,708 |
| Pre-tax net operating income | $148,000 | 7,952 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $58,000 | 5,953 |
| Income before extraordinary items | $90,000 | 8,144 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $90,000 | 8,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,177 |
| Cash dividends | $60,000 | 5,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $90,000 | 8,099 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $644,000 | 8,566 |
| Total interest expense | $79,000 | 8,780 |
| Net interest income | $565,000 | 8,408 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $66,000 | 8,275 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $57,000 | 6,887 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 8,509 |
| Total noninterest expense | $498,000 | 8,397 |
| Salaries and employee benefits | $348,000 | 8,074 |
| Premises and equipment expense | $58,000 | 8,243 |
| Additional noninterest expense | $92,000 | 8,756 |
| Pre-tax net operating income | $133,000 | 7,982 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $41,000 | 6,091 |
| Income before extraordinary items | $92,000 | 8,123 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $92,000 | 8,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $60,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $92,000 | 8,069 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $419,000 | 8,641 |
| Total interest expense | $52,000 | 8,849 |
| Net interest income | $367,000 | 8,480 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $44,000 | 8,319 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $38,000 | 6,913 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,000 | 8,561 |
| Total noninterest expense | $326,000 | 8,471 |
| Salaries and employee benefits | $232,000 | 8,132 |
| Premises and equipment expense | $37,000 | 8,342 |
| Additional noninterest expense | $57,000 | 8,848 |
| Pre-tax net operating income | $85,000 | 8,034 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $28,000 | 6,089 |
| Income before extraordinary items | $57,000 | 8,174 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $57,000 | 8,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $60,000 | 4,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $57,000 | 8,124 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $211,000 | 8,681 |
| Total interest expense | $26,000 | 8,898 |
| Net interest income | $185,000 | 8,512 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $21,000 | 8,373 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $18,000 | 6,945 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $166,000 | 8,499 |
| Salaries and employee benefits | $117,000 | 8,159 |
| Premises and equipment expense | $19,000 | 8,322 |
| Additional noninterest expense | $30,000 | 8,856 |
| Pre-tax net operating income | $40,000 | 8,049 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $10,000 | 6,242 |
| Income before extraordinary items | $30,000 | 8,155 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $30,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $60,000 | 3,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $30,000 | 8,087 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $952,000 | 8,626 |
| Total interest expense | $118,000 | 8,920 |
| Net interest income | $834,000 | 8,358 |
| Provision for loan and lease losses | $21,000 | 7,041 |
| Total noninterest income | $88,000 | 8,429 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $75,000 | 6,999 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $13,000 | 8,668 |
| Total noninterest expense | $722,000 | 8,407 |
| Salaries and employee benefits | $501,000 | 8,073 |
| Premises and equipment expense | $99,000 | 8,079 |
| Additional noninterest expense | $122,000 | 8,910 |
| Pre-tax net operating income | $179,000 | 7,892 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $41,000 | 6,412 |
| Income before extraordinary items | $138,000 | 8,061 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $138,000 | 8,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $60,000 | 5,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $138,000 | 7,939 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $728,000 | 8,696 |
| Total interest expense | $91,000 | 9,006 |
| Net interest income | $637,000 | 8,415 |
| Provision for loan and lease losses | $21,000 | 6,714 |
| Total noninterest income | $70,000 | 8,442 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $60,000 | 6,953 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,693 |
| Total noninterest expense | $518,000 | 8,485 |
| Salaries and employee benefits | $353,000 | 8,182 |
| Premises and equipment expense | $74,000 | 8,103 |
| Additional noninterest expense | $91,000 | 8,950 |
| Pre-tax net operating income | $168,000 | 7,884 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $33,000 | 6,505 |
| Income before extraordinary items | $135,000 | 8,006 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $135,000 | 8,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $60,000 | 5,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $135,000 | 7,866 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $494,000 | 8,724 |
| Total interest expense | $61,000 | 9,053 |
| Net interest income | $433,000 | 8,422 |
| Provision for loan and lease losses | $21,000 | 6,267 |
| Total noninterest income | $48,000 | 8,414 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $41,000 | 6,904 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $7,000 | 8,670 |
| Total noninterest expense | $344,000 | 8,514 |
| Salaries and employee benefits | $235,000 | 8,207 |
| Premises and equipment expense | $51,000 | 8,066 |
| Additional noninterest expense | $58,000 | 8,991 |
| Pre-tax net operating income | $116,000 | 7,875 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $20,000 | 6,596 |
| Income before extraordinary items | $96,000 | 7,995 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $96,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $60,000 | 4,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $96,000 | 7,827 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $241,000 | 8,813 |
| Total interest expense | $31,000 | 9,104 |
| Net interest income | $210,000 | 8,502 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $24,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $169,000 | 8,572 |
| Salaries and employee benefits | $116,000 | 8,264 |
| Premises and equipment expense | $25,000 | 8,112 |
| Additional noninterest expense | $28,000 | 9,056 |
| Pre-tax net operating income | $50,000 | 7,996 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $45,000 | 7,996 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 7,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $60,000 | 3,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $45,000 | 7,844 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,068,000 | 8,791 |
| Total interest expense | $208,000 | 9,058 |
| Net interest income | $860,000 | 8,487 |
| Provision for loan and lease losses | $68,000 | 6,337 |
| Total noninterest income | $89,000 | 8,531 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $77,000 | 6,996 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,000 | 8,821 |
| Total noninterest expense | $695,000 | 8,555 |
| Salaries and employee benefits | $469,000 | 8,256 |
| Premises and equipment expense | $114,000 | 7,964 |
| Additional noninterest expense | $112,000 | 9,111 |
| Pre-tax net operating income | $186,000 | 7,977 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $53,000 | 6,492 |
| Income before extraordinary items | $133,000 | 8,177 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $133,000 | 8,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,727 |
| Cash dividends | $60,000 | 5,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $133,000 | 8,074 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,297,000 | 8,899 |
| Total interest expense | $443,000 | 9,105 |
| Net interest income | $854,000 | 8,568 |
| Provision for loan and lease losses | $37,000 | 7,027 |
| Total noninterest income | $96,000 | 8,576 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $82,000 | 6,939 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $14,000 | 8,971 |
| Total noninterest expense | $720,000 | 8,634 |
| Salaries and employee benefits | $506,000 | 8,148 |
| Premises and equipment expense | $102,000 | 8,268 |
| Additional noninterest expense | $112,000 | 9,303 |
| Pre-tax net operating income | $193,000 | 7,919 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $64,000 | 6,472 |
| Income before extraordinary items | $129,000 | 8,161 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $129,000 | 8,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,560 |
| Cash dividends | $70,000 | 5,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $129,000 | 8,051 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,379,000 | 9,073 |
| Total interest expense | $494,000 | 9,258 |
| Net interest income | $885,000 | 8,719 |
| Provision for loan and lease losses | $88,000 | 5,585 |
| Total noninterest income | $83,000 | 8,830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,087 |
| Total noninterest expense | $698,000 | 8,826 |
| Salaries and employee benefits | $496,000 | 8,259 |
| Premises and equipment expense | $104,000 | 8,374 |
| Additional noninterest expense | $98,000 | 9,642 |
| Pre-tax net operating income | $182,000 | 8,435 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $64,000 | 7,024 |
| Income before extraordinary items | $118,000 | 8,594 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $118,000 | 8,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,807 |
| Cash dividends | $70,000 | 6,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $118,000 | 8,588 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,282,000 | 9,331 |
| Total interest expense | $444,000 | 9,559 |
| Net interest income | $838,000 | 8,978 |
| Provision for loan and lease losses | $31,000 | 7,196 |
| Total noninterest income | $79,000 | 9,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,296 |
| Total noninterest expense | $672,000 | 9,106 |
| Salaries and employee benefits | $484,000 | 8,431 |
| Premises and equipment expense | $97,000 | 8,686 |
| Additional noninterest expense | $91,000 | 9,985 |
| Pre-tax net operating income | $214,000 | 8,509 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $85,000 | 7,134 |
| Income before extraordinary items | $129,000 | 8,789 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $129,000 | 8,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,687 |
| Cash dividends | $60,000 | 6,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $129,000 | 8,751 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,530,000 | 9,261 |
| Total interest expense | $666,000 | 9,286 |
| Net interest income | $864,000 | 9,100 |
| Provision for loan and lease losses | $22,000 | 7,668 |
| Total noninterest income | $75,000 | 9,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 7,866 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,566 |
| Total noninterest expense | $692,000 | 9,123 |
| Salaries and employee benefits | $479,000 | 8,493 |
| Premises and equipment expense | $111,000 | 8,461 |
| Additional noninterest expense | $102,000 | 10,118 |
| Pre-tax net operating income | $225,000 | 8,795 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $52,000 | 8,300 |
| Income before extraordinary items | $173,000 | 8,817 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $173,000 | 8,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $60,000 | 6,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $173,000 | 8,754 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,522,000 | 9,641 |
| Total interest expense | $662,000 | 9,646 |
| Net interest income | $860,000 | 9,519 |
| Provision for loan and lease losses | $20,000 | 7,880 |
| Total noninterest income | $70,000 | 9,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 8,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $625,000 | 9,651 |
| Salaries and employee benefits | $473,000 | 8,801 |
| Premises and equipment expense | $62,000 | 9,902 |
| Additional noninterest expense | $90,000 | 10,614 |
| Pre-tax net operating income | $285,000 | 9,078 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $90,000 | 8,571 |
| Income before extraordinary items | $195,000 | 9,198 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $195,000 | 9,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $60,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $195,000 | 9,149 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,449,000 | 10,189 |
| Total interest expense | $629,000 | 10,182 |
| Net interest income | $820,000 | 10,061 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $75,000 | 10,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 8,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 10,461 |
| Total noninterest expense | $569,000 | 10,314 |
| Salaries and employee benefits | $420,000 | 9,472 |
| Premises and equipment expense | $57,000 | 10,437 |
| Additional noninterest expense | $92,000 | 11,146 |
| Pre-tax net operating income | $306,000 | 9,091 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $112,000 | 8,533 |
| Income before extraordinary items | $194,000 | 9,353 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $194,000 | 9,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $60,000 | 7,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $194,000 | 9,292 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 10,614 |
| Total interest expense | $606,000 | 10,643 |
| Net interest income | $844,000 | 10,404 |
| Provision for loan and lease losses | $47,000 | 6,364 |
| Total noninterest income | $77,000 | 10,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 9,088 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,775 |
| Total noninterest expense | $593,000 | 10,592 |
| Salaries and employee benefits | $439,000 | 9,626 |
| Premises and equipment expense | $46,000 | 11,193 |
| Additional noninterest expense | $108,000 | 11,539 |
| Pre-tax net operating income | $281,000 | 9,896 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $92,000 | 9,345 |
| Income before extraordinary items | $189,000 | 10,058 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $189,000 | 10,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $60,000 | 7,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $189,000 | 10,023 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,252,000 | 11,241 |
| Total interest expense | $410,000 | 11,529 |
| Net interest income | $842,000 | 10,913 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $85,000 | 11,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,316 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,176 |
| Total noninterest expense | $594,000 | 11,155 |
| Salaries and employee benefits | $417,000 | 10,132 |
| Premises and equipment expense | $44,000 | 11,852 |
| Additional noninterest expense | $133,000 | 11,987 |
| Pre-tax net operating income | $315,000 | 10,022 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $98,000 | 9,409 |
| Income before extraordinary items | $217,000 | 10,070 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $217,000 | 10,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $217,000 | 10,134 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,263,000 | 11,765 |
| Total interest expense | $401,000 | 12,219 |
| Net interest income | $862,000 | 11,309 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $91,000 | 11,541 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,580 |
| Total noninterest expense | $613,000 | 11,578 |
| Salaries and employee benefits | $431,000 | 10,325 |
| Premises and equipment expense | $45,000 | 12,369 |
| Additional noninterest expense | $137,000 | 12,574 |
| Pre-tax net operating income | $320,000 | 10,079 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $110,000 | 9,512 |
| Income before extraordinary items | $210,000 | 10,530 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $210,000 | 10,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $60,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $210,000 | 10,298 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,333,000 | 12,324 |
| Total interest expense | $490,000 | 12,800 |
| Net interest income | $843,000 | 11,737 |
| Provision for loan and lease losses | $23,000 | 10,448 |
| Total noninterest income | $104,000 | 11,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 9,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 12,017 |
| Total noninterest expense | $576,000 | 12,212 |
| Salaries and employee benefits | $402,000 | 10,833 |
| Premises and equipment expense | $63,000 | 12,143 |
| Additional noninterest expense | $111,000 | 13,421 |
| Pre-tax net operating income | $348,000 | 9,708 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $119,000 | 9,396 |
| Income before extraordinary items | $229,000 | 10,191 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $229,000 | 10,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 8,917 |
| Cash dividends | $60,000 | 7,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $229,000 | 9,834 |
* 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.