Home > Pennsylvania State Bank > Income and Expense
Pennsylvania State Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,062,000 | 2,527 |
| Total interest expense | $2,177,000 | 2,162 |
| Net interest income | $1,885,000 | 2,910 |
| Provision for loan and lease losses | $98,000 | 2,076 |
| Total noninterest income | $239,000 | 3,630 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $88,000 | 3,710 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $151,000 | 3,007 |
| Total noninterest expense | $1,868,000 | 2,444 |
| Salaries and employee benefits | $570,000 | 4,026 |
| Premises and equipment expense | $163,000 | 3,650 |
| Additional noninterest expense | $1,135,000 | 1,198 |
| Pre-tax net operating income | $158,000 | 5,971 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $16,000 | 5,054 |
| Income before extraordinary items | $142,000 | 5,756 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $142,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,145 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $142,000 | 5,740 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,350,000 | 2,505 |
| Total interest expense | $7,282,000 | 2,208 |
| Net interest income | $8,068,000 | 2,735 |
| Provision for loan and lease losses | $1,041,000 | 1,009 |
| Total noninterest income | $1,067,000 | 3,400 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $347,000 | 3,831 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $720,000 | 2,731 |
| Total noninterest expense | $6,963,000 | 2,530 |
| Salaries and employee benefits | $2,394,000 | 3,725 |
| Premises and equipment expense | $620,000 | 3,663 |
| Additional noninterest expense | $3,949,000 | 1,349 |
| Pre-tax net operating income | $1,131,000 | 4,919 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $242,000 | 4,074 |
| Income before extraordinary items | $889,000 | 4,969 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $889,000 | 4,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $694,000 | 913 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $889,000 | 4,962 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,314,000 | 2,537 |
| Total interest expense | $5,312,000 | 2,206 |
| Net interest income | $6,002,000 | 2,781 |
| Provision for loan and lease losses | $650,000 | 1,120 |
| Total noninterest income | $730,000 | 3,619 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $254,000 | 3,916 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $476,000 | 2,931 |
| Total noninterest expense | $5,230,000 | 2,512 |
| Salaries and employee benefits | $1,823,000 | 3,682 |
| Premises and equipment expense | $460,000 | 3,710 |
| Additional noninterest expense | $2,947,000 | 1,351 |
| Pre-tax net operating income | $852,000 | 5,105 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $183,000 | 4,245 |
| Income before extraordinary items | $669,000 | 5,100 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $669,000 | 5,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 1,170 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $669,000 | 5,099 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,313,000 | 2,566 |
| Total interest expense | $3,372,000 | 2,210 |
| Net interest income | $3,941,000 | 2,817 |
| Provision for loan and lease losses | $430,000 | 1,113 |
| Total noninterest income | $504,000 | 3,506 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $165,000 | 3,947 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $339,000 | 2,796 |
| Total noninterest expense | $3,541,000 | 2,495 |
| Salaries and employee benefits | $1,279,000 | 3,572 |
| Premises and equipment expense | $312,000 | 3,653 |
| Additional noninterest expense | $1,950,000 | 1,373 |
| Pre-tax net operating income | $474,000 | 5,528 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $89,000 | 4,668 |
| Income before extraordinary items | $385,000 | 5,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $385,000 | 5,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,578 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $385,000 | 5,469 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,539,000 | 2,594 |
| Total interest expense | $1,606,000 | 2,193 |
| Net interest income | $1,933,000 | 2,861 |
| Provision for loan and lease losses | $200,000 | 1,130 |
| Total noninterest income | $293,000 | 3,135 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $87,000 | 3,767 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $206,000 | 2,446 |
| Total noninterest expense | $1,716,000 | 2,572 |
| Salaries and employee benefits | $584,000 | 3,842 |
| Premises and equipment expense | $167,000 | 3,466 |
| Additional noninterest expense | $965,000 | 1,363 |
| Pre-tax net operating income | $310,000 | 4,884 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $70,000 | 4,045 |
| Income before extraordinary items | $240,000 | 4,943 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $240,000 | 4,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 1,517 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $240,000 | 4,924 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,941,000 | 2,722 |
| Total interest expense | $4,112,000 | 2,592 |
| Net interest income | $7,829,000 | 2,761 |
| Provision for loan and lease losses | $180,000 | 3,751 |
| Total noninterest income | $714,000 | 4,316 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $291,000 | 4,248 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $423,000 | 3,679 |
| Total noninterest expense | $6,490,000 | 2,554 |
| Salaries and employee benefits | $2,207,000 | 3,831 |
| Premises and equipment expense | $733,000 | 3,121 |
| Additional noninterest expense | $3,550,000 | 1,446 |
| Pre-tax net operating income | $1,873,000 | 3,841 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $498,000 | 3,372 |
| Income before extraordinary items | $1,375,000 | 4,003 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,375,000 | 4,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,186 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,375,000 | 3,975 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,758,000 | 2,721 |
| Total interest expense | $2,862,000 | 2,628 |
| Net interest income | $5,896,000 | 2,733 |
| Provision for loan and lease losses | $160,000 | 3,373 |
| Total noninterest income | $521,000 | 4,430 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $230,000 | 4,141 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $291,000 | 3,854 |
| Total noninterest expense | $4,860,000 | 2,538 |
| Salaries and employee benefits | $1,608,000 | 3,899 |
| Premises and equipment expense | $557,000 | 3,060 |
| Additional noninterest expense | $2,695,000 | 1,412 |
| Pre-tax net operating income | $1,397,000 | 3,944 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $342,000 | 3,565 |
| Income before extraordinary items | $1,055,000 | 4,019 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,055,000 | 4,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,639 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,055,000 | 3,973 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,648,000 | 2,736 |
| Total interest expense | $1,780,000 | 2,650 |
| Net interest income | $3,868,000 | 2,744 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $350,000 | 4,371 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $159,000 | 4,016 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $191,000 | 3,839 |
| Total noninterest expense | $3,229,000 | 2,518 |
| Salaries and employee benefits | $1,062,000 | 3,902 |
| Premises and equipment expense | $377,000 | 3,002 |
| Additional noninterest expense | $1,790,000 | 1,396 |
| Pre-tax net operating income | $899,000 | 3,992 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $235,000 | 3,510 |
| Income before extraordinary items | $664,000 | 4,141 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $664,000 | 4,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 1,240 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $664,000 | 4,084 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,746,000 | 2,772 |
| Total interest expense | $811,000 | 2,748 |
| Net interest income | $1,935,000 | 2,732 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $180,000 | 4,243 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $83,000 | 3,846 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,786 |
| Total noninterest expense | $1,602,000 | 2,553 |
| Salaries and employee benefits | $546,000 | 3,830 |
| Premises and equipment expense | $182,000 | 3,111 |
| Additional noninterest expense | $874,000 | 1,429 |
| Pre-tax net operating income | $513,000 | 3,607 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $139,000 | 3,228 |
| Income before extraordinary items | $374,000 | 3,790 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $374,000 | 3,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 857 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $374,000 | 3,749 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $864,000 | 8,511 |
| Total interest expense | $241,000 | 8,325 |
| Net interest income | $623,000 | 8,525 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $60,000 | 8,498 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $24,000 | 7,620 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $36,000 | 7,787 |
| Total noninterest expense | $432,000 | 8,753 |
| Salaries and employee benefits | $237,000 | 8,755 |
| Premises and equipment expense | $56,000 | 8,529 |
| Additional noninterest expense | $139,000 | 8,646 |
| Pre-tax net operating income | $251,000 | 7,607 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $75,000 | 5,772 |
| Income before extraordinary items | $176,000 | 7,758 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $176,000 | 7,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $176,000 | 7,719 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,843,000 | 2,686 |
| Total interest expense | $2,580,000 | 2,287 |
| Net interest income | $5,263,000 | 2,851 |
| Provision for loan and lease losses | $40,000 | 5,698 |
| Total noninterest income | $764,000 | 3,520 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $291,000 | 3,739 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $473,000 | 2,900 |
| Total noninterest expense | $4,778,000 | 2,480 |
| Salaries and employee benefits | $2,472,000 | 2,596 |
| Premises and equipment expense | $797,000 | 2,147 |
| Additional noninterest expense | $1,509,000 | 2,374 |
| Pre-tax net operating income | $1,209,000 | 4,137 |
| Securities gains (losses) | $15,000 | 2,477 |
| Applicable income taxes | $374,000 | 3,425 |
| Income before extraordinary items | $850,000 | 4,439 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $850,000 | 4,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $2,000 | 5,352 |
| Sale, conversion, retirement of capital stock, net | $103,000 | 520 |
| Net operating income | $839,650 | 4,405 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,022,000 | 2,776 |
| Total interest expense | $1,689,000 | 2,304 |
| Net interest income | $3,333,000 | 2,992 |
| Provision for loan and lease losses | $40,000 | 5,015 |
| Total noninterest income | $506,000 | 3,543 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $184,000 | 3,850 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $322,000 | 2,871 |
| Total noninterest expense | $3,320,000 | 2,404 |
| Salaries and employee benefits | $1,619,000 | 2,643 |
| Premises and equipment expense | $568,000 | 2,025 |
| Additional noninterest expense | $1,133,000 | 2,132 |
| Pre-tax net operating income | $479,000 | 5,413 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $156,000 | 4,181 |
| Income before extraordinary items | $338,000 | 5,760 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $338,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,214 |
| Cash dividends | $3,000 | 5,065 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 509 |
| Net operating income | $327,800 | 5,759 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,488,000 | 2,801 |
| Total interest expense | $820,000 | 2,389 |
| Net interest income | $1,668,000 | 2,974 |
| Provision for loan and lease losses | $40,000 | 3,725 |
| Total noninterest income | $255,000 | 3,477 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $88,000 | 3,887 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $167,000 | 2,748 |
| Total noninterest expense | $1,420,000 | 2,775 |
| Salaries and employee benefits | $790,000 | 2,719 |
| Premises and equipment expense | $288,000 | 2,007 |
| Additional noninterest expense | $342,000 | 3,360 |
| Pre-tax net operating income | $463,000 | 3,721 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $109,000 | 3,644 |
| Income before extraordinary items | $354,000 | 3,815 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $354,000 | 3,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $2,000 | 3,829 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 333 |
| Net operating income | $354,000 | 3,700 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,834,000 | 2,870 |
| Total interest expense | $3,161,000 | 2,734 |
| Net interest income | $6,673,000 | 2,878 |
| Provision for loan and lease losses | $358,000 | 2,813 |
| Total noninterest income | $1,092,000 | 3,521 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $412,000 | 3,579 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $680,000 | 3,023 |
| Total noninterest expense | $5,647,000 | 2,750 |
| Salaries and employee benefits | $2,985,000 | 2,781 |
| Premises and equipment expense | $1,118,000 | 2,043 |
| Additional noninterest expense | $1,544,000 | 3,000 |
| Pre-tax net operating income | $1,760,000 | 3,693 |
| Securities gains (losses) | $167,000 | 1,465 |
| Applicable income taxes | $459,000 | 3,533 |
| Income before extraordinary items | $1,468,000 | 3,611 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,468,000 | 3,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 2,286 |
| Cash dividends | $2,000 | 6,269 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 751 |
| Net operating income | $1,341,080 | 3,680 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,385,000 | 2,907 |
| Total interest expense | $2,380,000 | 2,817 |
| Net interest income | $5,005,000 | 2,900 |
| Provision for loan and lease losses | $322,000 | 2,378 |
| Total noninterest income | $817,000 | 3,604 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $311,000 | 3,586 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $506,000 | 3,117 |
| Total noninterest expense | $4,161,000 | 2,796 |
| Salaries and employee benefits | $2,207,000 | 2,828 |
| Premises and equipment expense | $827,000 | 2,084 |
| Additional noninterest expense | $1,127,000 | 3,066 |
| Pre-tax net operating income | $1,339,000 | 3,779 |
| Securities gains (losses) | $167,000 | 1,343 |
| Applicable income taxes | $364,000 | 3,573 |
| Income before extraordinary items | $1,142,000 | 3,633 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,142,000 | 3,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 1,608 |
| Cash dividends | $2,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 624 |
| Net operating income | $1,015,080 | 3,787 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,933,000 | 2,933 |
| Total interest expense | $1,605,000 | 2,864 |
| Net interest income | $3,328,000 | 2,901 |
| Provision for loan and lease losses | $214,000 | 2,388 |
| Total noninterest income | $537,000 | 3,598 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $201,000 | 3,607 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $336,000 | 3,095 |
| Total noninterest expense | $2,761,000 | 2,798 |
| Salaries and employee benefits | $1,465,000 | 2,839 |
| Premises and equipment expense | $554,000 | 2,066 |
| Additional noninterest expense | $742,000 | 3,084 |
| Pre-tax net operating income | $890,000 | 3,784 |
| Securities gains (losses) | $167,000 | 1,158 |
| Applicable income taxes | $260,000 | 3,486 |
| Income before extraordinary items | $797,000 | 3,520 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $797,000 | 3,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 1,856 |
| Cash dividends | $2,000 | 5,196 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 9,171 |
| Net operating income | $671,750 | 3,798 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,464,000 | 2,955 |
| Total interest expense | $810,000 | 2,909 |
| Net interest income | $1,654,000 | 2,899 |
| Provision for loan and lease losses | $107,000 | 2,250 |
| Total noninterest income | $254,000 | 3,602 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $95,000 | 3,670 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $159,000 | 3,109 |
| Total noninterest expense | $1,362,000 | 2,821 |
| Salaries and employee benefits | $735,000 | 2,835 |
| Premises and equipment expense | $278,000 | 2,052 |
| Additional noninterest expense | $349,000 | 3,200 |
| Pre-tax net operating income | $439,000 | 3,814 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $114,000 | 3,720 |
| Income before extraordinary items | $325,000 | 4,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $325,000 | 4,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,653 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 345 |
| Net operating income | $325,000 | 3,825 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,581,000 | 2,869 |
| Total interest expense | $3,721,000 | 2,926 |
| Net interest income | $6,860,000 | 2,784 |
| Provision for loan and lease losses | $792,000 | 1,646 |
| Total noninterest income | $894,000 | 3,719 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $343,000 | 3,926 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $551,000 | 3,112 |
| Total noninterest expense | $5,320,000 | 2,765 |
| Salaries and employee benefits | $2,757,000 | 2,841 |
| Premises and equipment expense | $1,119,000 | 1,973 |
| Additional noninterest expense | $1,444,000 | 3,045 |
| Pre-tax net operating income | $1,642,000 | 3,873 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $401,000 | 3,877 |
| Income before extraordinary items | $1,241,000 | 3,987 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,241,000 | 3,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 2,427 |
| Cash dividends | $2,000 | 6,363 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 657 |
| Net operating income | $1,241,000 | 3,888 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,311,000 | 2,998 |
| Total interest expense | $4,964,000 | 3,171 |
| Net interest income | $6,347,000 | 2,799 |
| Provision for loan and lease losses | $561,000 | 2,008 |
| Total noninterest income | $774,000 | 3,943 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $286,000 | 4,279 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $488,000 | 3,169 |
| Total noninterest expense | $5,010,000 | 2,820 |
| Salaries and employee benefits | $2,505,000 | 2,946 |
| Premises and equipment expense | $1,040,000 | 2,045 |
| Additional noninterest expense | $1,465,000 | 2,932 |
| Pre-tax net operating income | $1,550,000 | 3,766 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $448,000 | 3,504 |
| Income before extraordinary items | $1,102,000 | 4,027 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,102,000 | 4,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 2,450 |
| Cash dividends | $1,000 | 6,609 |
| Sale, conversion, retirement of capital stock, net | $-68,000 | 9,488 |
| Net operating income | $1,102,000 | 3,901 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,333,000 | 3,044 |
| Total interest expense | $5,755,000 | 2,896 |
| Net interest income | $5,578,000 | 3,153 |
| Provision for loan and lease losses | $538,000 | 1,771 |
| Total noninterest income | $589,000 | 4,456 |
| Gross Fiduciary activities income | $9,000 | 1,228 |
| Service charges on deposit accounts | $186,000 | 5,290 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $394,000 | 3,381 |
| Total noninterest expense | $5,111,000 | 2,663 |
| Salaries and employee benefits | $2,533,000 | 2,800 |
| Premises and equipment expense | $936,000 | 2,203 |
| Additional noninterest expense | $1,642,000 | 2,594 |
| Pre-tax net operating income | $518,000 | 6,915 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $101,000 | 6,491 |
| Income before extraordinary items | $416,000 | 6,752 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $416,000 | 6,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $379,000 | 1,539 |
| Cash dividends | $3,000 | 6,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $416,800 | 6,758 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,985,000 | 3,226 |
| Total interest expense | $4,538,000 | 3,214 |
| Net interest income | $5,447,000 | 3,187 |
| Provision for loan and lease losses | $746,000 | 1,256 |
| Total noninterest income | $672,000 | 4,104 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $149,000 | 5,863 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $523,000 | 2,873 |
| Total noninterest expense | $4,492,000 | 2,986 |
| Salaries and employee benefits | $2,029,000 | 3,402 |
| Premises and equipment expense | $948,000 | 2,157 |
| Additional noninterest expense | $1,515,000 | 2,839 |
| Pre-tax net operating income | $881,000 | 5,661 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $228,000 | 5,425 |
| Income before extraordinary items | $653,000 | 5,655 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $653,000 | 5,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $745,000 | 887 |
| Cash dividends | $1,000 | 7,125 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 774 |
| Net operating income | $653,000 | 5,628 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,843,000 | 3,585 |
| Total interest expense | $4,198,000 | 3,526 |
| Net interest income | $4,645,000 | 3,640 |
| Provision for loan and lease losses | $109,000 | 4,942 |
| Total noninterest income | $461,000 | 5,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 6,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $352,000 | 3,690 |
| Total noninterest expense | $3,902,000 | 3,281 |
| Salaries and employee benefits | $1,793,000 | 3,680 |
| Premises and equipment expense | $864,000 | 2,258 |
| Additional noninterest expense | $1,245,000 | 3,260 |
| Pre-tax net operating income | $1,095,000 | 5,150 |
| Securities gains (losses) | $192,000 | 943 |
| Applicable income taxes | $284,000 | 5,318 |
| Income before extraordinary items | $1,003,000 | 4,515 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,003,000 | 4,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,453 |
| Cash dividends | $2,000 | 7,457 |
| Sale, conversion, retirement of capital stock, net | $1,228,000 | 445 |
| Net operating income | $853,240 | 4,904 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,108,000 | 4,440 |
| Total interest expense | $3,664,000 | 3,988 |
| Net interest income | $3,444,000 | 4,789 |
| Provision for loan and lease losses | $108,000 | 5,007 |
| Total noninterest income | $731,000 | 3,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 8,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $679,000 | 2,263 |
| Total noninterest expense | $3,132,000 | 3,955 |
| Salaries and employee benefits | $1,545,000 | 4,152 |
| Premises and equipment expense | $550,000 | 3,417 |
| Additional noninterest expense | $1,037,000 | 3,765 |
| Pre-tax net operating income | $935,000 | 6,037 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $258,000 | 6,177 |
| Income before extraordinary items | $677,000 | 5,991 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $677,000 | 5,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,643 |
| Cash dividends | $2,000 | 7,852 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 798 |
| Net operating income | $677,000 | 5,951 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,395,000 | 4,931 |
| Total interest expense | $3,310,000 | 4,393 |
| Net interest income | $3,085,000 | 5,328 |
| Provision for loan and lease losses | $88,000 | 5,424 |
| Total noninterest income | $543,000 | 4,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,902 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $495,000 | 2,945 |
| Total noninterest expense | $2,595,000 | 4,851 |
| Salaries and employee benefits | $1,227,000 | 5,095 |
| Premises and equipment expense | $534,000 | 3,581 |
| Additional noninterest expense | $834,000 | 5,046 |
| Pre-tax net operating income | $945,000 | 5,939 |
| Securities gains (losses) | $26,000 | 1,793 |
| Applicable income taxes | $272,000 | 6,150 |
| Income before extraordinary items | $699,000 | 5,769 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $699,000 | 5,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $680,280 | 5,789 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,517,000 | 5,575 |
| Total interest expense | $2,947,000 | 4,847 |
| Net interest income | $2,570,000 | 6,182 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $427,000 | 5,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $385,000 | 3,384 |
| Total noninterest expense | $2,349,000 | 5,265 |
| Salaries and employee benefits | $1,103,000 | 5,591 |
| Premises and equipment expense | $480,000 | 3,887 |
| Additional noninterest expense | $766,000 | 5,436 |
| Pre-tax net operating income | $576,000 | 8,018 |
| Securities gains (losses) | $16,000 | 2,046 |
| Applicable income taxes | $179,000 | 7,787 |
| Income before extraordinary items | $413,000 | 7,938 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $413,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $31,000 | 8,155 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 634 |
| Net operating income | $401,800 | 8,029 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,228,000 | 6,446 |
| Total interest expense | $1,935,000 | 5,756 |
| Net interest income | $2,293,000 | 6,873 |
| Provision for loan and lease losses | $125,000 | 3,960 |
| Total noninterest income | $253,000 | 7,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 10,069 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 5,051 |
| Total noninterest expense | $1,997,000 | 6,203 |
| Salaries and employee benefits | $879,000 | 6,753 |
| Premises and equipment expense | $380,000 | 4,790 |
| Additional noninterest expense | $738,000 | 6,074 |
| Pre-tax net operating income | $424,000 | 9,165 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-50,000 | 12,214 |
| Income before extraordinary items | $474,000 | 7,507 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $474,000 | 7,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $474,000 | 7,550 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,575,000 | 7,426 |
| Total interest expense | $1,774,000 | 6,409 |
| Net interest income | $1,801,000 | 8,247 |
| Provision for loan and lease losses | $132,000 | 4,966 |
| Total noninterest income | $160,000 | 10,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $30,000 | 10,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 7,013 |
| Total noninterest expense | $1,543,000 | 7,682 |
| Salaries and employee benefits | $637,000 | 8,500 |
| Premises and equipment expense | $295,000 | 5,946 |
| Additional noninterest expense | $611,000 | 7,235 |
| Pre-tax net operating income | $286,000 | 10,353 |
| Securities gains (losses) | $21,000 | 4,601 |
| Applicable income taxes | $71,000 | 10,446 |
| Income before extraordinary items | $236,000 | 10,209 |
| Extraordinary gains, net | $71,000 | 1,896 |
| Net income | $307,000 | 9,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,053,000 | 448 |
| Net operating income | $219,830 | 10,186 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,925,000 | 9,121 |
| Total interest expense | $1,593,000 | 8,226 |
| Net interest income | $1,332,000 | 9,871 |
| Provision for loan and lease losses | $125,000 | 6,594 |
| Total noninterest income | $30,000 | 13,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 11,362 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 13,358 |
| Total noninterest expense | $1,146,000 | 9,296 |
| Salaries and employee benefits | $453,000 | 10,272 |
| Premises and equipment expense | $239,000 | 6,988 |
| Additional noninterest expense | $454,000 | 8,930 |
| Pre-tax net operating income | $91,000 | 12,109 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $19,000 | 12,141 |
| Income before extraordinary items | $72,000 | 12,328 |
| Extraordinary gains, net | $19,000 | 1,246 |
| Net income | $91,000 | 12,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 10,059 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $-110,000 | 13,827 |
| Net operating income | $72,000 | 12,040 |
* 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.