Home > Peoples Bank > Income and Expense
Peoples Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,269,000 | 7,200 |
| Total interest expense | $595,000 | 7,343 |
| Net interest income | $1,674,000 | 7,062 |
| Provision for loan and lease losses | $140,000 | 4,242 |
| Total noninterest income | $2,080,000 | 2,156 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $183,000 | 5,225 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,897,000 | 1,410 |
| Total noninterest expense | $3,098,000 | 4,668 |
| Salaries and employee benefits | $991,000 | 6,375 |
| Premises and equipment expense | $198,000 | 6,747 |
| Additional noninterest expense | $1,909,000 | 2,605 |
| Pre-tax net operating income | $516,000 | 6,699 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $196,000 | 4,692 |
| Income before extraordinary items | $320,000 | 7,096 |
| Extraordinary gains, net | $-41,000 | 8,808 |
| Net income | $279,000 | 7,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,872 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $320,000 | 7,072 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,676,000 | 7,238 |
| Total interest expense | $402,000 | 7,461 |
| Net interest income | $1,274,000 | 7,060 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $1,382,000 | 2,349 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $133,000 | 5,316 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,249,000 | 1,547 |
| Total noninterest expense | $2,108,000 | 4,965 |
| Salaries and employee benefits | $688,000 | 6,591 |
| Premises and equipment expense | $145,000 | 6,792 |
| Additional noninterest expense | $1,275,000 | 2,877 |
| Pre-tax net operating income | $458,000 | 6,544 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $172,000 | 4,641 |
| Income before extraordinary items | $286,000 | 6,996 |
| Extraordinary gains, net | $-41,000 | 8,845 |
| Net income | $245,000 | 7,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,393 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $286,000 | 6,957 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,056,000 | 7,342 |
| Total interest expense | $241,000 | 7,575 |
| Net interest income | $815,000 | 7,151 |
| Provision for loan and lease losses | $69,000 | 3,974 |
| Total noninterest income | $760,000 | 2,631 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $87,000 | 5,319 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $673,000 | 1,786 |
| Total noninterest expense | $1,212,000 | 5,439 |
| Salaries and employee benefits | $407,000 | 6,872 |
| Premises and equipment expense | $83,000 | 7,078 |
| Additional noninterest expense | $722,000 | 3,279 |
| Pre-tax net operating income | $294,000 | 6,617 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $107,000 | 4,727 |
| Income before extraordinary items | $187,000 | 7,024 |
| Extraordinary gains, net | $-41,000 | 8,861 |
| Net income | $146,000 | 7,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,953 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $187,000 | 6,983 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $475,000 | 7,595 |
| Total interest expense | $101,000 | 7,824 |
| Net interest income | $374,000 | 7,405 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $321,000 | 2,894 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $45,000 | 5,216 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $276,000 | 1,993 |
| Total noninterest expense | $576,000 | 5,638 |
| Salaries and employee benefits | $187,000 | 7,157 |
| Premises and equipment expense | $37,000 | 7,362 |
| Additional noninterest expense | $352,000 | 3,344 |
| Pre-tax net operating income | $89,000 | 7,387 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $89,000 | 7,078 |
| Extraordinary gains, net | $-41,000 | 8,928 |
| Net income | $48,000 | 7,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $89,000 | 7,041 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,629,000 | 7,761 |
| Total interest expense | $311,000 | 8,042 |
| Net interest income | $1,318,000 | 7,576 |
| Provision for loan and lease losses | $95,000 | 5,096 |
| Total noninterest income | $712,000 | 4,345 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $222,000 | 5,003 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $490,000 | 3,345 |
| Total noninterest expense | $1,532,000 | 6,829 |
| Salaries and employee benefits | $659,000 | 7,440 |
| Premises and equipment expense | $141,000 | 7,433 |
| Additional noninterest expense | $732,000 | 5,375 |
| Pre-tax net operating income | $403,000 | 7,069 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $15,000 | 6,646 |
| Income before extraordinary items | $388,000 | 6,840 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $388,000 | 6,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,933 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $388,000 | 6,773 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,188,000 | 7,829 |
| Total interest expense | $222,000 | 8,147 |
| Net interest income | $966,000 | 7,641 |
| Provision for loan and lease losses | $76,000 | 4,778 |
| Total noninterest income | $456,000 | 4,787 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $171,000 | 4,982 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $285,000 | 3,829 |
| Total noninterest expense | $1,076,000 | 6,974 |
| Salaries and employee benefits | $467,000 | 7,527 |
| Premises and equipment expense | $108,000 | 7,369 |
| Additional noninterest expense | $501,000 | 5,631 |
| Pre-tax net operating income | $270,000 | 7,380 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $270,000 | 7,093 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $270,000 | 7,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,186 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $270,000 | 7,022 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $764,000 | 7,940 |
| Total interest expense | $146,000 | 8,230 |
| Net interest income | $618,000 | 7,759 |
| Provision for loan and lease losses | $26,000 | 5,598 |
| Total noninterest income | $241,000 | 5,381 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $112,000 | 5,013 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $129,000 | 4,617 |
| Total noninterest expense | $674,000 | 7,196 |
| Salaries and employee benefits | $315,000 | 7,547 |
| Premises and equipment expense | $74,000 | 7,367 |
| Additional noninterest expense | $285,000 | 6,140 |
| Pre-tax net operating income | $159,000 | 7,493 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $159,000 | 7,274 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $159,000 | 7,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $159,000 | 7,196 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $373,000 | 8,024 |
| Total interest expense | $76,000 | 8,251 |
| Net interest income | $297,000 | 7,869 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $90,000 | 6,013 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $55,000 | 4,979 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $35,000 | 5,821 |
| Total noninterest expense | $310,000 | 7,433 |
| Salaries and employee benefits | $157,000 | 7,587 |
| Premises and equipment expense | $38,000 | 7,364 |
| Additional noninterest expense | $115,000 | 6,800 |
| Pre-tax net operating income | $67,000 | 7,658 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $67,000 | 7,457 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $67,000 | 7,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $67,000 | 7,384 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,482,000 | 8,094 |
| Total interest expense | $364,000 | 8,230 |
| Net interest income | $1,118,000 | 7,928 |
| Provision for loan and lease losses | $53,000 | 6,206 |
| Total noninterest income | $269,000 | 6,818 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $172,000 | 5,589 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $97,000 | 6,585 |
| Total noninterest expense | $1,202,000 | 7,470 |
| Salaries and employee benefits | $570,000 | 7,825 |
| Premises and equipment expense | $169,000 | 7,147 |
| Additional noninterest expense | $463,000 | 6,770 |
| Pre-tax net operating income | $132,000 | 8,078 |
| Securities gains (losses) | $22,000 | 3,160 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $154,000 | 7,984 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $154,000 | 7,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,141 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $132,000 | 7,963 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,079,000 | 8,222 |
| Total interest expense | $282,000 | 8,322 |
| Net interest income | $797,000 | 8,086 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $211,000 | 6,757 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $122,000 | 5,757 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $89,000 | 6,283 |
| Total noninterest expense | $896,000 | 7,474 |
| Salaries and employee benefits | $417,000 | 7,848 |
| Premises and equipment expense | $128,000 | 7,145 |
| Additional noninterest expense | $351,000 | 6,703 |
| Pre-tax net operating income | $67,000 | 8,384 |
| Securities gains (losses) | $22,000 | 2,902 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $89,000 | 8,299 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $89,000 | 8,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,987 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $67,000 | 8,314 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $718,000 | 8,269 |
| Total interest expense | $198,000 | 8,348 |
| Net interest income | $520,000 | 8,156 |
| Provision for loan and lease losses | $20,000 | 6,304 |
| Total noninterest income | $103,000 | 7,341 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $79,000 | 5,792 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $24,000 | 7,615 |
| Total noninterest expense | $552,000 | 7,684 |
| Salaries and employee benefits | $271,000 | 7,922 |
| Premises and equipment expense | $84,000 | 7,192 |
| Additional noninterest expense | $197,000 | 7,180 |
| Pre-tax net operating income | $51,000 | 8,359 |
| Securities gains (losses) | $22,000 | 2,556 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $73,000 | 8,208 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $73,000 | 8,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $51,000 | 8,286 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $377,000 | 8,270 |
| Total interest expense | $106,000 | 8,351 |
| Net interest income | $271,000 | 8,126 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $47,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $274,000 | 7,719 |
| Salaries and employee benefits | $131,000 | 8,020 |
| Premises and equipment expense | $41,000 | 7,269 |
| Additional noninterest expense | $102,000 | 7,099 |
| Pre-tax net operating income | $32,000 | 8,277 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $32,000 | 8,236 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $32,000 | 8,101 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,411,000 | 8,490 |
| Total interest expense | $550,000 | 8,245 |
| Net interest income | $861,000 | 8,486 |
| Provision for loan and lease losses | $15,000 | 7,642 |
| Total noninterest income | $217,000 | 7,142 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $157,000 | 5,752 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $60,000 | 7,355 |
| Total noninterest expense | $1,050,000 | 7,834 |
| Salaries and employee benefits | $504,000 | 8,125 |
| Premises and equipment expense | $158,000 | 7,336 |
| Additional noninterest expense | $388,000 | 7,239 |
| Pre-tax net operating income | $13,000 | 8,593 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $13,000 | 8,684 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $13,000 | 8,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,685 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $13,000 | 8,605 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,538,000 | 8,694 |
| Total interest expense | $778,000 | 8,471 |
| Net interest income | $760,000 | 8,742 |
| Provision for loan and lease losses | $135,000 | 4,984 |
| Total noninterest income | $275,000 | 6,625 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $153,000 | 5,765 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $122,000 | 5,970 |
| Total noninterest expense | $956,000 | 8,077 |
| Salaries and employee benefits | $444,000 | 8,426 |
| Premises and equipment expense | $145,000 | 7,606 |
| Additional noninterest expense | $367,000 | 7,376 |
| Pre-tax net operating income | $-56,000 | 8,822 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-56,000 | 8,906 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-56,000 | 8,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,729 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-56,000 | 8,835 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,508,000 | 8,952 |
| Total interest expense | $730,000 | 8,792 |
| Net interest income | $778,000 | 8,953 |
| Provision for loan and lease losses | $12,000 | 7,853 |
| Total noninterest income | $214,000 | 7,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,120 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 6,711 |
| Total noninterest expense | $860,000 | 8,409 |
| Salaries and employee benefits | $406,000 | 8,724 |
| Premises and equipment expense | $146,000 | 7,655 |
| Additional noninterest expense | $308,000 | 7,883 |
| Pre-tax net operating income | $120,000 | 8,729 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $39,000 | 7,426 |
| Income before extraordinary items | $81,000 | 8,817 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $81,000 | 8,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,683 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $81,000 | 8,805 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,347,000 | 9,254 |
| Total interest expense | $647,000 | 9,080 |
| Net interest income | $700,000 | 9,281 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $227,000 | 7,177 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 5,898 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,144 |
| Total noninterest expense | $817,000 | 8,677 |
| Salaries and employee benefits | $386,000 | 8,960 |
| Premises and equipment expense | $133,000 | 7,976 |
| Additional noninterest expense | $298,000 | 8,132 |
| Pre-tax net operating income | $98,000 | 9,082 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $98,000 | 8,981 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $98,000 | 8,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,573 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $98,000 | 8,947 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,377,000 | 9,444 |
| Total interest expense | $661,000 | 9,304 |
| Net interest income | $716,000 | 9,458 |
| Provision for loan and lease losses | $16,000 | 7,917 |
| Total noninterest income | $203,000 | 7,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 5,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 8,339 |
| Total noninterest expense | $795,000 | 8,788 |
| Salaries and employee benefits | $373,000 | 9,138 |
| Premises and equipment expense | $146,000 | 7,743 |
| Additional noninterest expense | $276,000 | 8,343 |
| Pre-tax net operating income | $108,000 | 9,385 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $110,000 | 9,267 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $110,000 | 9,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,812 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $108,000 | 9,214 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,324,000 | 9,898 |
| Total interest expense | $584,000 | 9,878 |
| Net interest income | $740,000 | 9,827 |
| Provision for loan and lease losses | $14,000 | 8,198 |
| Total noninterest income | $207,000 | 7,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,793 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,104 |
| Total noninterest expense | $772,000 | 9,138 |
| Salaries and employee benefits | $360,000 | 9,529 |
| Premises and equipment expense | $152,000 | 7,751 |
| Additional noninterest expense | $260,000 | 8,735 |
| Pre-tax net operating income | $161,000 | 9,786 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $161,000 | 9,486 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $161,000 | 9,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $161,000 | 9,444 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,178,000 | 10,549 |
| Total interest expense | $526,000 | 10,510 |
| Net interest income | $652,000 | 10,513 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $218,000 | 7,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 5,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,600 |
| Total noninterest expense | $752,000 | 9,622 |
| Salaries and employee benefits | $354,000 | 9,925 |
| Premises and equipment expense | $143,000 | 8,222 |
| Additional noninterest expense | $255,000 | 9,341 |
| Pre-tax net operating income | $106,000 | 10,337 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $-36,000 | 11,043 |
| Income before extraordinary items | $143,000 | 9,861 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $143,000 | 9,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $142,000 | 9,809 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 11,163 |
| Total interest expense | $431,000 | 11,242 |
| Net interest income | $644,000 | 10,993 |
| Provision for loan and lease losses | $1,000 | 8,909 |
| Total noninterest income | $225,000 | 8,061 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,521 |
| Total noninterest expense | $775,000 | 9,884 |
| Salaries and employee benefits | $366,000 | 10,205 |
| Premises and equipment expense | $132,000 | 8,739 |
| Additional noninterest expense | $277,000 | 9,525 |
| Pre-tax net operating income | $93,000 | 11,122 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-29,000 | 11,588 |
| Income before extraordinary items | $122,000 | 10,727 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $122,000 | 10,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $122,000 | 10,701 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $949,000 | 11,802 |
| Total interest expense | $328,000 | 11,913 |
| Net interest income | $621,000 | 11,642 |
| Provision for loan and lease losses | $-12,000 | 11,781 |
| Total noninterest income | $233,000 | 8,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,107 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,881 |
| Total noninterest expense | $820,000 | 10,146 |
| Salaries and employee benefits | $363,000 | 10,620 |
| Premises and equipment expense | $130,000 | 9,091 |
| Additional noninterest expense | $327,000 | 9,634 |
| Pre-tax net operating income | $46,000 | 11,926 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $46,000 | 11,831 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $46,000 | 11,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $46,000 | 11,866 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $945,000 | 12,406 |
| Total interest expense | $340,000 | 12,495 |
| Net interest income | $605,000 | 12,203 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $242,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,102 |
| Total noninterest expense | $813,000 | 10,605 |
| Salaries and employee benefits | $378,000 | 10,862 |
| Premises and equipment expense | $116,000 | 9,911 |
| Additional noninterest expense | $319,000 | 10,206 |
| Pre-tax net operating income | $34,000 | 12,252 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $14,000 | 11,735 |
| Income before extraordinary items | $20,000 | 12,425 |
| Extraordinary gains, net | $29,000 | 2,505 |
| Net income | $49,000 | 12,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 6,165 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 738 |
| Net operating income | $20,000 | 12,292 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,093,000 | 12,857 |
| Total interest expense | $458,000 | 12,932 |
| Net interest income | $635,000 | 12,588 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $264,000 | 8,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,683 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,600 |
| Total noninterest expense | $852,000 | 10,743 |
| Salaries and employee benefits | $360,000 | 11,340 |
| Premises and equipment expense | $98,000 | 10,802 |
| Additional noninterest expense | $394,000 | 9,629 |
| Pre-tax net operating income | $-3,000 | 12,747 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $3,000 | 12,878 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,000 | 12,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-3,000 | 12,686 |
* 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.