Home > Patriot Bank > Income and Expense
Patriot Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,313,000 | 2,980 |
| Total interest expense | $2,881,000 | 3,607 |
| Net interest income | $6,432,000 | 2,648 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $633,000 | 3,932 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $407,000 | 2,924 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $226,000 | 4,283 |
| Total noninterest expense | $4,894,000 | 2,683 |
| Salaries and employee benefits | $2,789,000 | 2,613 |
| Premises and equipment expense | $729,000 | 2,544 |
| Additional noninterest expense | $1,376,000 | 2,753 |
| Pre-tax net operating income | $2,126,000 | 2,990 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $505,000 | 2,858 |
| Income before extraordinary items | $1,621,000 | 3,027 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,621,000 | 3,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $569,000 | 2,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,621,000 | 3,022 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,116,000 | 2,975 |
| Total interest expense | $1,826,000 | 3,628 |
| Net interest income | $4,290,000 | 2,644 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $385,000 | 4,138 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $249,000 | 3,061 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $136,000 | 4,497 |
| Total noninterest expense | $3,303,000 | 2,657 |
| Salaries and employee benefits | $1,870,000 | 2,593 |
| Premises and equipment expense | $488,000 | 2,532 |
| Additional noninterest expense | $945,000 | 2,703 |
| Pre-tax net operating income | $1,342,000 | 3,107 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $310,000 | 3,002 |
| Income before extraordinary items | $1,032,000 | 3,142 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,032,000 | 3,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,339 |
| Cash dividends | $378,000 | 2,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,032,000 | 3,126 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,049,000 | 2,929 |
| Total interest expense | $882,000 | 3,593 |
| Net interest income | $2,167,000 | 2,610 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $226,000 | 3,701 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $136,000 | 2,805 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $90,000 | 3,918 |
| Total noninterest expense | $1,654,000 | 2,660 |
| Salaries and employee benefits | $930,000 | 2,612 |
| Premises and equipment expense | $249,000 | 2,477 |
| Additional noninterest expense | $475,000 | 2,655 |
| Pre-tax net operating income | $724,000 | 2,908 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $170,000 | 2,850 |
| Income before extraordinary items | $554,000 | 2,912 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $554,000 | 2,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $189,000 | 2,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $554,000 | 2,899 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,424,000 | 2,816 |
| Total interest expense | $3,099,000 | 3,243 |
| Net interest income | $8,325,000 | 2,606 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $954,000 | 3,675 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $669,000 | 2,431 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $285,000 | 4,455 |
| Total noninterest expense | $6,462,000 | 2,568 |
| Salaries and employee benefits | $3,699,000 | 2,471 |
| Premises and equipment expense | $992,000 | 2,383 |
| Additional noninterest expense | $1,771,000 | 2,795 |
| Pre-tax net operating income | $2,757,000 | 2,960 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $686,000 | 2,853 |
| Income before extraordinary items | $2,071,000 | 3,010 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,071,000 | 3,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 8,496 |
| Cash dividends | $759,000 | 2,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,071,000 | 2,975 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,432,000 | 2,797 |
| Total interest expense | $2,249,000 | 3,189 |
| Net interest income | $6,183,000 | 2,604 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $704,000 | 3,717 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $515,000 | 2,381 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $189,000 | 4,726 |
| Total noninterest expense | $4,661,000 | 2,633 |
| Salaries and employee benefits | $2,753,000 | 2,449 |
| Premises and equipment expense | $739,000 | 2,385 |
| Additional noninterest expense | $1,169,000 | 3,107 |
| Pre-tax net operating income | $2,181,000 | 2,864 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $565,000 | 2,739 |
| Income before extraordinary items | $1,616,000 | 2,951 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,616,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 8,514 |
| Cash dividends | $568,000 | 2,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,616,000 | 2,906 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,559,000 | 2,770 |
| Total interest expense | $1,417,000 | 3,192 |
| Net interest income | $4,142,000 | 2,568 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $462,000 | 3,711 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $400,000 | 2,071 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $62,000 | 6,077 |
| Total noninterest expense | $3,079,000 | 2,636 |
| Salaries and employee benefits | $1,822,000 | 2,450 |
| Premises and equipment expense | $493,000 | 2,354 |
| Additional noninterest expense | $764,000 | 3,141 |
| Pre-tax net operating income | $1,495,000 | 2,763 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $395,000 | 2,633 |
| Income before extraordinary items | $1,100,000 | 2,878 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,100,000 | 2,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 8,560 |
| Cash dividends | $379,000 | 2,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,100,000 | 2,832 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,684,000 | 2,828 |
| Total interest expense | $674,000 | 3,213 |
| Net interest income | $2,010,000 | 2,628 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $236,000 | 3,603 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $204,000 | 1,973 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 6,055 |
| Total noninterest expense | $1,502,000 | 2,710 |
| Salaries and employee benefits | $882,000 | 2,542 |
| Premises and equipment expense | $245,000 | 2,393 |
| Additional noninterest expense | $375,000 | 3,185 |
| Pre-tax net operating income | $729,000 | 2,770 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $190,000 | 2,683 |
| Income before extraordinary items | $539,000 | 2,866 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $539,000 | 2,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,985 |
| Cash dividends | $189,000 | 2,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $539,000 | 2,815 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,370,000 | 2,741 |
| Total interest expense | $2,537,000 | 3,023 |
| Net interest income | $7,833,000 | 2,587 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $1,253,000 | 3,027 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,027,000 | 1,715 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $226,000 | 4,843 |
| Total noninterest expense | $5,811,000 | 2,729 |
| Salaries and employee benefits | $3,501,000 | 2,486 |
| Premises and equipment expense | $869,000 | 2,600 |
| Additional noninterest expense | $1,441,000 | 3,230 |
| Pre-tax net operating income | $3,215,000 | 2,441 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $879,000 | 2,373 |
| Income before extraordinary items | $2,336,000 | 2,561 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,336,000 | 2,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,429 |
| Cash dividends | $758,000 | 2,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,336,000 | 2,511 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,721,000 | 2,722 |
| Total interest expense | $1,875,000 | 2,998 |
| Net interest income | $5,846,000 | 2,575 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $823,000 | 3,341 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $725,000 | 1,825 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $98,000 | 5,957 |
| Total noninterest expense | $4,295,000 | 2,738 |
| Salaries and employee benefits | $2,623,000 | 2,466 |
| Premises and equipment expense | $613,000 | 2,731 |
| Additional noninterest expense | $1,059,000 | 3,254 |
| Pre-tax net operating income | $2,329,000 | 2,542 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $630,000 | 2,483 |
| Income before extraordinary items | $1,699,000 | 2,671 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,699,000 | 2,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,003 |
| Cash dividends | $568,000 | 2,507 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,699,000 | 2,611 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,945,000 | 2,815 |
| Total interest expense | $1,239,000 | 3,005 |
| Net interest income | $3,706,000 | 2,679 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $550,000 | 3,362 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $486,000 | 1,802 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $64,000 | 6,013 |
| Total noninterest expense | $2,829,000 | 2,771 |
| Salaries and employee benefits | $1,731,000 | 2,487 |
| Premises and equipment expense | $396,000 | 2,814 |
| Additional noninterest expense | $702,000 | 3,298 |
| Pre-tax net operating income | $1,397,000 | 2,727 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $370,000 | 2,701 |
| Income before extraordinary items | $1,027,000 | 2,870 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,027,000 | 2,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $379,000 | 2,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,027,000 | 2,793 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,394,000 | 2,910 |
| Total interest expense | $616,000 | 3,057 |
| Net interest income | $1,778,000 | 2,800 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $282,000 | 3,246 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $250,000 | 1,698 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $1,380,000 | 2,843 |
| Salaries and employee benefits | $840,000 | 2,572 |
| Premises and equipment expense | $198,000 | 2,838 |
| Additional noninterest expense | $342,000 | 3,360 |
| Pre-tax net operating income | $665,000 | 2,820 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $175,000 | 2,806 |
| Income before extraordinary items | $490,000 | 2,989 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $490,000 | 2,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $189,000 | 2,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $490,000 | 2,884 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,040,000 | 2,811 |
| Total interest expense | $2,909,000 | 2,950 |
| Net interest income | $7,131,000 | 2,706 |
| Provision for loan and lease losses | $927,000 | 1,275 |
| Total noninterest income | $1,215,000 | 3,275 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,085,000 | 1,579 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $130,000 | 6,086 |
| Total noninterest expense | $5,288,000 | 2,923 |
| Salaries and employee benefits | $3,174,000 | 2,649 |
| Premises and equipment expense | $782,000 | 2,819 |
| Additional noninterest expense | $1,332,000 | 3,423 |
| Pre-tax net operating income | $2,131,000 | 3,253 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $609,000 | 3,033 |
| Income before extraordinary items | $1,522,000 | 3,524 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,522,000 | 3,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,900 |
| Cash dividends | $707,000 | 2,925 |
| Sale, conversion, retirement of capital stock, net | $-18,000 | 9,079 |
| Net operating income | $1,522,000 | 3,364 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,543,000 | 2,844 |
| Total interest expense | $2,257,000 | 2,947 |
| Net interest income | $5,286,000 | 2,761 |
| Provision for loan and lease losses | $912,000 | 962 |
| Total noninterest income | $899,000 | 3,372 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $802,000 | 1,615 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 6,146 |
| Total noninterest expense | $3,968,000 | 2,927 |
| Salaries and employee benefits | $2,376,000 | 2,661 |
| Premises and equipment expense | $584,000 | 2,844 |
| Additional noninterest expense | $1,008,000 | 3,372 |
| Pre-tax net operating income | $1,305,000 | 3,834 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $365,000 | 3,561 |
| Income before extraordinary items | $940,000 | 4,150 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $940,000 | 4,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,161 |
| Cash dividends | $517,000 | 2,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $940,000 | 3,969 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,047,000 | 2,860 |
| Total interest expense | $1,552,000 | 2,951 |
| Net interest income | $3,495,000 | 2,773 |
| Provision for loan and lease losses | $869,000 | 718 |
| Total noninterest income | $601,000 | 3,339 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $535,000 | 1,584 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $66,000 | 6,086 |
| Total noninterest expense | $2,643,000 | 2,919 |
| Salaries and employee benefits | $1,577,000 | 2,666 |
| Premises and equipment expense | $392,000 | 2,823 |
| Additional noninterest expense | $674,000 | 3,352 |
| Pre-tax net operating income | $584,000 | 4,907 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $435,000 | 2,527 |
| Income before extraordinary items | $149,000 | 7,460 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $149,000 | 7,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,920 |
| Cash dividends | $345,000 | 2,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $149,000 | 7,274 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,502,000 | 2,909 |
| Total interest expense | $786,000 | 2,988 |
| Net interest income | $1,716,000 | 2,812 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $312,000 | 3,159 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $279,000 | 1,495 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $33,000 | 6,044 |
| Total noninterest expense | $1,311,000 | 2,913 |
| Salaries and employee benefits | $774,000 | 2,687 |
| Premises and equipment expense | $196,000 | 2,805 |
| Additional noninterest expense | $341,000 | 3,269 |
| Pre-tax net operating income | $702,000 | 2,732 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $210,000 | 2,601 |
| Income before extraordinary items | $492,000 | 2,981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $492,000 | 2,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $173,000 | 2,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $492,000 | 2,843 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,919,000 | 2,788 |
| Total interest expense | $3,653,000 | 2,976 |
| Net interest income | $7,266,000 | 2,622 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $1,333,000 | 2,851 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,198,000 | 1,358 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $135,000 | 5,822 |
| Total noninterest expense | $5,268,000 | 2,795 |
| Salaries and employee benefits | $3,167,000 | 2,493 |
| Premises and equipment expense | $797,000 | 2,694 |
| Additional noninterest expense | $1,304,000 | 3,361 |
| Pre-tax net operating income | $3,271,000 | 2,328 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,053,000 | 2,130 |
| Income before extraordinary items | $2,218,000 | 2,578 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,218,000 | 2,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $660,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $-18,000 | 9,221 |
| Net operating income | $2,218,000 | 2,493 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,903,000 | 2,854 |
| Total interest expense | $5,222,000 | 3,045 |
| Net interest income | $6,681,000 | 2,676 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $1,277,000 | 2,811 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,147,000 | 1,304 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $130,000 | 5,824 |
| Total noninterest expense | $4,847,000 | 2,902 |
| Salaries and employee benefits | $2,861,000 | 2,622 |
| Premises and equipment expense | $738,000 | 2,827 |
| Additional noninterest expense | $1,248,000 | 3,377 |
| Pre-tax net operating income | $3,051,000 | 2,225 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $986,000 | 2,090 |
| Income before extraordinary items | $2,065,000 | 2,453 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,065,000 | 2,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $598,000 | 3,179 |
| Sale, conversion, retirement of capital stock, net | $-19,000 | 9,457 |
| Net operating income | $2,065,000 | 2,373 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,646,000 | 3,232 |
| Total interest expense | $4,626,000 | 3,529 |
| Net interest income | $6,020,000 | 2,936 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $950,000 | 3,247 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $715,000 | 1,932 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $235,000 | 4,427 |
| Total noninterest expense | $4,046,000 | 3,302 |
| Salaries and employee benefits | $2,487,000 | 2,841 |
| Premises and equipment expense | $405,000 | 4,471 |
| Additional noninterest expense | $1,154,000 | 3,566 |
| Pre-tax net operating income | $2,864,000 | 2,480 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $929,000 | 2,263 |
| Income before extraordinary items | $1,935,000 | 2,646 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,935,000 | 2,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $446,000 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $-17,000 | 9,746 |
| Net operating income | $1,935,000 | 2,639 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,351,000 | 3,421 |
| Total interest expense | $3,784,000 | 3,762 |
| Net interest income | $5,567,000 | 3,114 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $968,000 | 3,169 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $743,000 | 1,782 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $225,000 | 4,668 |
| Total noninterest expense | $3,061,000 | 4,143 |
| Salaries and employee benefits | $1,876,000 | 3,627 |
| Premises and equipment expense | $273,000 | 5,765 |
| Additional noninterest expense | $912,000 | 4,337 |
| Pre-tax net operating income | $3,414,000 | 2,156 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,121,000 | 2,029 |
| Income before extraordinary items | $2,293,000 | 2,281 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,293,000 | 2,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,444 |
| Cash dividends | $389,000 | 4,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,293,000 | 2,255 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,725,000 | 3,637 |
| Total interest expense | $3,551,000 | 4,076 |
| Net interest income | $5,174,000 | 3,279 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $789,000 | 3,659 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $620,000 | 2,062 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $169,000 | 5,382 |
| Total noninterest expense | $2,778,000 | 4,405 |
| Salaries and employee benefits | $1,675,000 | 3,893 |
| Premises and equipment expense | $240,000 | 6,105 |
| Additional noninterest expense | $863,000 | 4,428 |
| Pre-tax net operating income | $3,125,000 | 2,280 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,028,000 | 2,263 |
| Income before extraordinary items | $2,097,000 | 2,458 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,097,000 | 2,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,363 |
| Cash dividends | $390,000 | 4,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,097,000 | 2,375 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,266,000 | 3,854 |
| Total interest expense | $3,548,000 | 4,098 |
| Net interest income | $4,718,000 | 3,680 |
| Provision for loan and lease losses | $105,000 | 5,052 |
| Total noninterest income | $820,000 | 3,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $663,000 | 1,981 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,574 |
| Total noninterest expense | $2,484,000 | 4,802 |
| Salaries and employee benefits | $1,475,000 | 4,319 |
| Premises and equipment expense | $230,000 | 6,349 |
| Additional noninterest expense | $779,000 | 4,819 |
| Pre-tax net operating income | $2,949,000 | 2,529 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $970,000 | 2,502 |
| Income before extraordinary items | $1,979,000 | 2,613 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,979,000 | 2,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $390,000 | 4,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,979,000 | 2,564 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,538,000 | 7,340 |
| Total interest expense | $1,437,000 | 7,738 |
| Net interest income | $2,101,000 | 6,954 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $461,000 | 5,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,432 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,943 |
| Total noninterest expense | $1,254,000 | 7,817 |
| Salaries and employee benefits | $732,000 | 7,344 |
| Premises and equipment expense | $108,000 | 9,071 |
| Additional noninterest expense | $414,000 | 7,767 |
| Pre-tax net operating income | $1,296,000 | 4,836 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $424,000 | 4,708 |
| Income before extraordinary items | $872,000 | 4,977 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $872,000 | 4,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $872,000 | 4,930 |
* 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.