Home > Penn Federal Savings Bank > Income and Expense
Penn Federal Savings Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $31,357,000 | 381 |
| Total interest expense | $22,941,000 | 260 |
| Net interest income | $8,416,000 | 667 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,183,000 | 1,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,183,000 | 719 |
| Total noninterest expense | $6,159,000 | 761 |
| Salaries and employee benefits | $3,484,000 | 718 |
| Premises and equipment expense | $1,403,000 | 481 |
| Additional noninterest expense | $1,272,000 | 1,067 |
| Pre-tax net operating income | $3,440,000 | 715 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,131,000 | 656 |
| Income before extraordinary items | $2,309,000 | 779 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,309,000 | 778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,431 |
| Cash dividends | $1,738,000 | 521 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,309,000 | 767 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $123,557,000 | 352 |
| Total interest expense | $85,163,000 | 244 |
| Net interest income | $38,394,000 | 598 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $4,942,000 | 1,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,942,000 | 682 |
| Total noninterest expense | $23,640,000 | 742 |
| Salaries and employee benefits | $12,698,000 | 739 |
| Premises and equipment expense | $5,475,000 | 469 |
| Additional noninterest expense | $5,467,000 | 971 |
| Pre-tax net operating income | $19,696,000 | 545 |
| Securities gains (losses) | $80,000 | 578 |
| Applicable income taxes | $6,895,000 | 509 |
| Income before extraordinary items | $12,881,000 | 587 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $12,881,000 | 586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $688,000 | 922 |
| Cash dividends | $13,946,000 | 309 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $12,829,000 | 580 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $91,555,000 | 361 |
| Total interest expense | $61,948,000 | 254 |
| Net interest income | $29,607,000 | 598 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $3,674,000 | 1,122 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,674,000 | 693 |
| Total noninterest expense | $17,535,000 | 765 |
| Salaries and employee benefits | $9,215,000 | 788 |
| Premises and equipment expense | $4,139,000 | 480 |
| Additional noninterest expense | $4,181,000 | 955 |
| Pre-tax net operating income | $15,746,000 | 538 |
| Securities gains (losses) | $9,000 | 918 |
| Applicable income taxes | $5,531,000 | 500 |
| Income before extraordinary items | $10,224,000 | 590 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $10,224,000 | 590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,229 |
| Cash dividends | $11,589,000 | 272 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $10,218,150 | 579 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $60,015,000 | 361 |
| Total interest expense | $39,370,000 | 256 |
| Net interest income | $20,645,000 | 572 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $2,239,000 | 1,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,239,000 | 746 |
| Total noninterest expense | $11,691,000 | 767 |
| Salaries and employee benefits | $6,108,000 | 795 |
| Premises and equipment expense | $2,740,000 | 484 |
| Additional noninterest expense | $2,843,000 | 943 |
| Pre-tax net operating income | $11,193,000 | 517 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,980,000 | 482 |
| Income before extraordinary items | $7,213,000 | 567 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,213,000 | 565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,253 |
| Cash dividends | $6,936,000 | 292 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $7,213,000 | 554 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $29,387,000 | 357 |
| Total interest expense | $18,676,000 | 260 |
| Net interest income | $10,711,000 | 543 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,098,000 | 1,195 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,098,000 | 750 |
| Total noninterest expense | $5,989,000 | 747 |
| Salaries and employee benefits | $3,238,000 | 738 |
| Premises and equipment expense | $1,409,000 | 472 |
| Additional noninterest expense | $1,342,000 | 997 |
| Pre-tax net operating income | $5,820,000 | 496 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,086,000 | 462 |
| Income before extraordinary items | $3,734,000 | 546 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,734,000 | 545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,616 |
| Cash dividends | $2,936,000 | 322 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $3,734,000 | 534 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $109,611,000 | 341 |
| Total interest expense | $64,004,000 | 230 |
| Net interest income | $45,607,000 | 487 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $7,728,000 | 750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,728,000 | 506 |
| Total noninterest expense | $26,089,000 | 663 |
| Salaries and employee benefits | $12,780,000 | 710 |
| Premises and equipment expense | $5,802,000 | 430 |
| Additional noninterest expense | $7,507,000 | 704 |
| Pre-tax net operating income | $27,246,000 | 437 |
| Securities gains (losses) | $442,000 | 306 |
| Applicable income taxes | $9,828,000 | 400 |
| Income before extraordinary items | $17,860,000 | 452 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $17,860,000 | 452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,513 |
| Cash dividends | $19,502,000 | 249 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $17,572,700 | 446 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $81,105,000 | 336 |
| Total interest expense | $46,299,000 | 227 |
| Net interest income | $34,806,000 | 471 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $6,519,000 | 692 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,519,000 | 471 |
| Total noninterest expense | $20,406,000 | 637 |
| Salaries and employee benefits | $9,581,000 | 697 |
| Premises and equipment expense | $4,465,000 | 417 |
| Additional noninterest expense | $6,360,000 | 643 |
| Pre-tax net operating income | $20,919,000 | 428 |
| Securities gains (losses) | $422,000 | 295 |
| Applicable income taxes | $7,585,000 | 405 |
| Income before extraordinary items | $13,756,000 | 451 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $13,756,000 | 451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,590 |
| Cash dividends | $13,079,000 | 245 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $13,485,920 | 443 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $53,232,000 | 328 |
| Total interest expense | $29,792,000 | 226 |
| Net interest income | $23,440,000 | 465 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $2,534,000 | 1,059 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,534,000 | 672 |
| Total noninterest expense | $12,394,000 | 679 |
| Salaries and employee benefits | $6,229,000 | 709 |
| Premises and equipment expense | $2,703,000 | 454 |
| Additional noninterest expense | $3,462,000 | 752 |
| Pre-tax net operating income | $13,580,000 | 428 |
| Securities gains (losses) | $300,000 | 337 |
| Applicable income taxes | $4,931,000 | 409 |
| Income before extraordinary items | $8,949,000 | 449 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,949,000 | 449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $8,984,000 | 222 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $8,757,000 | 440 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $26,282,000 | 330 |
| Total interest expense | $14,423,000 | 222 |
| Net interest income | $11,859,000 | 463 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,227,000 | 1,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,227,000 | 688 |
| Total noninterest expense | $6,381,000 | 660 |
| Salaries and employee benefits | $3,264,000 | 680 |
| Premises and equipment expense | $1,374,000 | 447 |
| Additional noninterest expense | $1,743,000 | 730 |
| Pre-tax net operating income | $6,705,000 | 425 |
| Securities gains (losses) | $173,000 | 276 |
| Applicable income taxes | $2,432,000 | 407 |
| Income before extraordinary items | $4,446,000 | 448 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $4,446,000 | 448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $4,213,000 | 199 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $4,333,550 | 441 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $101,208,000 | 319 |
| Total interest expense | $55,956,000 | 197 |
| Net interest income | $45,252,000 | 461 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $5,768,000 | 957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,768,000 | 603 |
| Total noninterest expense | $26,985,000 | 617 |
| Salaries and employee benefits | $14,355,000 | 598 |
| Premises and equipment expense | $5,126,000 | 456 |
| Additional noninterest expense | $7,504,000 | 698 |
| Pre-tax net operating income | $24,035,000 | 431 |
| Securities gains (losses) | $156,000 | 963 |
| Applicable income taxes | $8,658,000 | 403 |
| Income before extraordinary items | $15,533,000 | 466 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $15,533,000 | 467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,612 |
| Cash dividends | $11,415,000 | 333 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $15,433,160 | 455 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $75,099,000 | 317 |
| Total interest expense | $41,737,000 | 193 |
| Net interest income | $33,362,000 | 462 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $4,327,000 | 966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,327,000 | 611 |
| Total noninterest expense | $20,578,000 | 617 |
| Salaries and employee benefits | $11,153,000 | 578 |
| Premises and equipment expense | $3,802,000 | 466 |
| Additional noninterest expense | $5,623,000 | 689 |
| Pre-tax net operating income | $17,111,000 | 453 |
| Securities gains (losses) | $87,000 | 1,278 |
| Applicable income taxes | $6,217,000 | 413 |
| Income before extraordinary items | $10,981,000 | 486 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $10,981,000 | 487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 1,955 |
| Cash dividends | $7,629,000 | 336 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $10,925,320 | 471 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $49,141,000 | 322 |
| Total interest expense | $27,795,000 | 190 |
| Net interest income | $21,346,000 | 472 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $3,100,000 | 893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,100,000 | 583 |
| Total noninterest expense | $14,140,000 | 599 |
| Salaries and employee benefits | $7,862,000 | 552 |
| Premises and equipment expense | $2,510,000 | 469 |
| Additional noninterest expense | $3,768,000 | 683 |
| Pre-tax net operating income | $10,306,000 | 475 |
| Securities gains (losses) | $62,000 | 1,323 |
| Applicable income taxes | $3,681,000 | 458 |
| Income before extraordinary items | $6,687,000 | 529 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,687,000 | 528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $4,444,000 | 367 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,647,320 | 510 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $24,394,000 | 326 |
| Total interest expense | $13,891,000 | 192 |
| Net interest income | $10,503,000 | 492 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,477,000 | 924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,477,000 | 594 |
| Total noninterest expense | $6,896,000 | 622 |
| Salaries and employee benefits | $4,004,000 | 558 |
| Premises and equipment expense | $1,273,000 | 475 |
| Additional noninterest expense | $1,619,000 | 763 |
| Pre-tax net operating income | $5,084,000 | 476 |
| Securities gains (losses) | $57,000 | 1,119 |
| Applicable income taxes | $1,736,000 | 485 |
| Income before extraordinary items | $3,405,000 | 523 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,405,000 | 522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $3,168,000 | 251 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,367,380 | 496 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $97,219,000 | 325 |
| Total interest expense | $57,155,000 | 198 |
| Net interest income | $40,064,000 | 491 |
| Provision for loan and lease losses | $100,000 | 5,309 |
| Total noninterest income | $7,898,000 | 788 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $7,898,000 | 536 |
| Total noninterest expense | $25,282,000 | 656 |
| Salaries and employee benefits | $14,052,000 | 611 |
| Premises and equipment expense | $4,677,000 | 500 |
| Additional noninterest expense | $6,553,000 | 786 |
| Pre-tax net operating income | $22,580,000 | 438 |
| Securities gains (losses) | $1,766,000 | 326 |
| Applicable income taxes | $8,795,000 | 406 |
| Income before extraordinary items | $15,551,000 | 465 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $15,551,000 | 467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,591 |
| Cash dividends | $22,749,000 | 216 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $14,420,760 | 467 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $73,538,000 | 334 |
| Total interest expense | $43,255,000 | 207 |
| Net interest income | $30,283,000 | 497 |
| Provision for loan and lease losses | $100,000 | 4,641 |
| Total noninterest income | $6,552,000 | 756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,552,000 | 526 |
| Total noninterest expense | $18,809,000 | 683 |
| Salaries and employee benefits | $10,332,000 | 638 |
| Premises and equipment expense | $3,493,000 | 516 |
| Additional noninterest expense | $4,984,000 | 780 |
| Pre-tax net operating income | $17,926,000 | 424 |
| Securities gains (losses) | $1,403,000 | 356 |
| Applicable income taxes | $7,096,000 | 401 |
| Income before extraordinary items | $12,233,000 | 460 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $12,233,000 | 461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,155 |
| Cash dividends | $18,498,000 | 211 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $11,335,080 | 454 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $49,822,000 | 334 |
| Total interest expense | $29,181,000 | 207 |
| Net interest income | $20,641,000 | 497 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $4,414,000 | 738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,414,000 | 517 |
| Total noninterest expense | $12,632,000 | 669 |
| Salaries and employee benefits | $6,926,000 | 636 |
| Premises and equipment expense | $2,374,000 | 505 |
| Additional noninterest expense | $3,332,000 | 779 |
| Pre-tax net operating income | $12,323,000 | 420 |
| Securities gains (losses) | $1,069,000 | 349 |
| Applicable income taxes | $4,980,000 | 392 |
| Income before extraordinary items | $8,412,000 | 455 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,412,000 | 455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,533 |
| Cash dividends | $14,715,000 | 164 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $7,727,840 | 451 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $25,487,000 | 335 |
| Total interest expense | $14,775,000 | 215 |
| Net interest income | $10,712,000 | 485 |
| Provision for loan and lease losses | $100,000 | 2,353 |
| Total noninterest income | $2,077,000 | 754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,077,000 | 529 |
| Total noninterest expense | $6,416,000 | 654 |
| Salaries and employee benefits | $3,493,000 | 628 |
| Premises and equipment expense | $1,264,000 | 476 |
| Additional noninterest expense | $1,659,000 | 765 |
| Pre-tax net operating income | $6,273,000 | 411 |
| Securities gains (losses) | $498,000 | 346 |
| Applicable income taxes | $2,488,000 | 397 |
| Income before extraordinary items | $4,283,000 | 438 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,283,000 | 437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 2,537 |
| Cash dividends | $4,082,000 | 219 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,964,280 | 442 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $115,968,000 | 322 |
| Total interest expense | $68,125,000 | 217 |
| Net interest income | $47,843,000 | 445 |
| Provision for loan and lease losses | $1,125,000 | 1,214 |
| Total noninterest income | $6,724,000 | 817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,724,000 | 565 |
| Total noninterest expense | $26,332,000 | 621 |
| Salaries and employee benefits | $14,121,000 | 580 |
| Premises and equipment expense | $4,814,000 | 483 |
| Additional noninterest expense | $7,397,000 | 705 |
| Pre-tax net operating income | $27,110,000 | 370 |
| Securities gains (losses) | $718,000 | 520 |
| Applicable income taxes | $9,977,000 | 359 |
| Income before extraordinary items | $17,851,000 | 403 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $17,851,000 | 403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,450 |
| Cash dividends | $10,495,000 | 352 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $17,391,480 | 389 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $121,776,000 | 338 |
| Total interest expense | $77,464,000 | 267 |
| Net interest income | $44,312,000 | 443 |
| Provision for loan and lease losses | $1,225,000 | 1,063 |
| Total noninterest income | $5,771,000 | 882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,771,000 | 590 |
| Total noninterest expense | $24,371,000 | 655 |
| Salaries and employee benefits | $12,798,000 | 608 |
| Premises and equipment expense | $4,203,000 | 529 |
| Additional noninterest expense | $7,370,000 | 710 |
| Pre-tax net operating income | $24,487,000 | 365 |
| Securities gains (losses) | $197,000 | 1,199 |
| Applicable income taxes | $8,710,000 | 362 |
| Income before extraordinary items | $15,974,000 | 386 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $15,974,000 | 386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,593 |
| Cash dividends | $11,698,000 | 333 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $15,845,950 | 371 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $117,106,000 | 367 |
| Total interest expense | $78,363,000 | 308 |
| Net interest income | $38,743,000 | 487 |
| Provision for loan and lease losses | $765,000 | 1,312 |
| Total noninterest income | $5,632,000 | 853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,632,000 | 595 |
| Total noninterest expense | $20,962,000 | 733 |
| Salaries and employee benefits | $10,841,000 | 663 |
| Premises and equipment expense | $3,934,000 | 565 |
| Additional noninterest expense | $6,187,000 | 803 |
| Pre-tax net operating income | $22,648,000 | 406 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $7,975,000 | 400 |
| Income before extraordinary items | $14,673,000 | 419 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $14,673,000 | 419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,162 |
| Cash dividends | $6,492,000 | 523 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $14,673,000 | 421 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $105,512,000 | 391 |
| Total interest expense | $66,207,000 | 312 |
| Net interest income | $39,305,000 | 504 |
| Provision for loan and lease losses | $840,000 | 1,139 |
| Total noninterest income | $4,847,000 | 968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,847,000 | 662 |
| Total noninterest expense | $21,760,000 | 712 |
| Salaries and employee benefits | $9,945,000 | 706 |
| Premises and equipment expense | $3,685,000 | 606 |
| Additional noninterest expense | $8,130,000 | 692 |
| Pre-tax net operating income | $21,552,000 | 457 |
| Securities gains (losses) | $49,000 | 987 |
| Applicable income taxes | $7,632,000 | 441 |
| Income before extraordinary items | $13,969,000 | 473 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $13,969,000 | 473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,769 |
| Cash dividends | $5,992,000 | 583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $13,937,150 | 467 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $104,888,000 | 383 |
| Total interest expense | $69,373,000 | 302 |
| Net interest income | $35,515,000 | 531 |
| Provision for loan and lease losses | $660,000 | 1,379 |
| Total noninterest income | $5,401,000 | 883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $5,401,000 | 609 |
| Total noninterest expense | $20,546,000 | 727 |
| Salaries and employee benefits | $8,729,000 | 769 |
| Premises and equipment expense | $3,461,000 | 624 |
| Additional noninterest expense | $8,356,000 | 666 |
| Pre-tax net operating income | $19,710,000 | 452 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $6,973,000 | 438 |
| Income before extraordinary items | $12,737,000 | 468 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $12,737,000 | 467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,198 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $12,737,000 | 452 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $93,449,000 | 426 |
| Total interest expense | $60,449,000 | 341 |
| Net interest income | $33,000,000 | 571 |
| Provision for loan and lease losses | $608,000 | 1,493 |
| Total noninterest income | $3,500,000 | 1,174 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $3,500,000 | 766 |
| Total noninterest expense | $19,045,000 | 770 |
| Salaries and employee benefits | $8,576,000 | 793 |
| Premises and equipment expense | $3,223,000 | 650 |
| Additional noninterest expense | $7,246,000 | 739 |
| Pre-tax net operating income | $16,847,000 | 528 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $6,187,000 | 527 |
| Income before extraordinary items | $10,660,000 | 565 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $10,660,000 | 565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $662,000 | 1,068 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $10,660,000 | 546 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $77,729,000 | 525 |
| Total interest expense | $46,259,000 | 450 |
| Net interest income | $31,470,000 | 635 |
| Provision for loan and lease losses | $678,000 | 1,358 |
| Total noninterest income | $3,000,000 | 1,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $3,000,000 | 874 |
| Total noninterest expense | $24,590,000 | 659 |
| Salaries and employee benefits | $8,450,000 | 814 |
| Premises and equipment expense | $3,197,000 | 703 |
| Additional noninterest expense | $12,943,000 | 550 |
| Pre-tax net operating income | $9,202,000 | 839 |
| Securities gains (losses) | $94,000 | 986 |
| Applicable income taxes | $3,737,000 | 739 |
| Income before extraordinary items | $5,559,000 | 953 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,559,000 | 954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $574,000 | 1,282 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,498,840 | 943 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $60,728,000 | 655 |
| Total interest expense | $35,129,000 | 577 |
| Net interest income | $25,599,000 | 763 |
| Provision for loan and lease losses | $529,000 | 1,503 |
| Total noninterest income | $3,499,000 | 1,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $3,499,000 | 819 |
| Total noninterest expense | $19,471,000 | 800 |
| Salaries and employee benefits | $9,173,000 | 768 |
| Premises and equipment expense | $3,580,000 | 644 |
| Additional noninterest expense | $6,718,000 | 888 |
| Pre-tax net operating income | $9,098,000 | 894 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $3,773,000 | 760 |
| Income before extraordinary items | $5,321,000 | 999 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,321,000 | 997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $715,000 | 1,096 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $5,323,560 | 991 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $45,447,000 | 760 |
| Total interest expense | $22,515,000 | 651 |
| Net interest income | $22,932,000 | 824 |
| Provision for loan and lease losses | $551,000 | 1,425 |
| Total noninterest income | $2,966,000 | 1,378 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,966,000 | 882 |
| Total noninterest expense | $16,591,000 | 928 |
| Salaries and employee benefits | $8,088,000 | 846 |
| Premises and equipment expense | $3,051,000 | 753 |
| Additional noninterest expense | $5,452,000 | 1,091 |
| Pre-tax net operating income | $8,756,000 | 888 |
| Securities gains (losses) | $-21,000 | 10,372 |
| Applicable income taxes | $3,474,000 | 768 |
| Income before extraordinary items | $5,261,000 | 976 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,261,000 | 972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $928,000 | 910 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $28,000,000 | 45 |
| Net operating income | $5,274,440 | 984 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $44,459,000 | 770 |
| Total interest expense | $21,561,000 | 669 |
| Net interest income | $22,898,000 | 823 |
| Provision for loan and lease losses | $1,981,000 | 823 |
| Total noninterest income | $3,649,000 | 1,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,649,000 | 841 |
| Total noninterest expense | $16,751,000 | 965 |
| Salaries and employee benefits | $7,680,000 | 890 |
| Premises and equipment expense | $2,924,000 | 793 |
| Additional noninterest expense | $6,147,000 | 1,074 |
| Pre-tax net operating income | $7,815,000 | 929 |
| Securities gains (losses) | $73,000 | 2,908 |
| Applicable income taxes | $2,951,000 | 871 |
| Income before extraordinary items | $4,937,000 | 1,048 |
| Extraordinary gains, net | $112,000 | 1,467 |
| Net income | $5,049,000 | 1,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,572,000 | 844 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,890,280 | 990 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $49,499,000 | 792 |
| Total interest expense | $27,206,000 | 704 |
| Net interest income | $22,293,000 | 856 |
| Provision for loan and lease losses | $2,407,000 | 1,000 |
| Total noninterest income | $3,224,000 | 1,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $3,224,000 | 905 |
| Total noninterest expense | $16,832,000 | 978 |
| Salaries and employee benefits | $7,801,000 | 865 |
| Premises and equipment expense | $2,785,000 | 850 |
| Additional noninterest expense | $6,246,000 | 1,105 |
| Pre-tax net operating income | $6,278,000 | 1,037 |
| Securities gains (losses) | $28,000 | 5,098 |
| Applicable income taxes | $2,059,000 | 1,090 |
| Income before extraordinary items | $4,247,000 | 1,111 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,247,000 | 1,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,425,000 | 575 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,228,240 | 1,023 |
* 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.