Home > Peoples Bank > Income and Expense
Peoples Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,642,000 | 3,194 |
| Total interest expense | $2,298,000 | 3,046 |
| Net interest income | $3,344,000 | 3,262 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $642,000 | 2,996 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $332,000 | 2,459 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $309,000 | 2,961 |
| Total noninterest expense | $1,902,000 | 4,137 |
| Salaries and employee benefits | $1,014,000 | 4,218 |
| Premises and equipment expense | $308,000 | 3,693 |
| Additional noninterest expense | $580,000 | 4,015 |
| Pre-tax net operating income | $2,024,000 | 2,284 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $598,000 | 2,058 |
| Income before extraordinary items | $1,426,000 | 2,440 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,426,000 | 2,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,643 |
| Cash dividends | $1,750,000 | 919 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,426,000 | 2,423 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,770,000 | 3,179 |
| Total interest expense | $1,065,000 | 3,099 |
| Net interest income | $1,705,000 | 3,195 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $330,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $151,000 | 2,587 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $179,000 | 2,697 |
| Total noninterest expense | $936,000 | 4,193 |
| Salaries and employee benefits | $510,000 | 4,223 |
| Premises and equipment expense | $154,000 | 3,708 |
| Additional noninterest expense | $272,000 | 4,215 |
| Pre-tax net operating income | $1,069,000 | 2,165 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $312,000 | 1,970 |
| Income before extraordinary items | $757,000 | 2,304 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $757,000 | 2,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 914 |
| Cash dividends | $750,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $757,000 | 2,279 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,237,000 | 3,094 |
| Total interest expense | $3,456,000 | 2,971 |
| Net interest income | $6,781,000 | 3,119 |
| Provision for loan and lease losses | $-115,000 | 8,642 |
| Total noninterest income | $1,209,000 | 3,129 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $692,000 | 2,369 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $516,000 | 3,316 |
| Total noninterest expense | $3,796,000 | 4,026 |
| Salaries and employee benefits | $1,967,000 | 4,170 |
| Premises and equipment expense | $594,000 | 3,691 |
| Additional noninterest expense | $1,235,000 | 3,785 |
| Pre-tax net operating income | $4,309,000 | 2,105 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,330,000 | 1,862 |
| Income before extraordinary items | $2,979,000 | 2,259 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,979,000 | 2,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,573 |
| Cash dividends | $4,125,000 | 788 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,979,000 | 2,223 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,550,000 | 3,088 |
| Total interest expense | $2,427,000 | 3,000 |
| Net interest income | $5,123,000 | 3,085 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $890,000 | 3,167 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $523,000 | 2,351 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $366,000 | 3,431 |
| Total noninterest expense | $2,778,000 | 4,070 |
| Salaries and employee benefits | $1,476,000 | 4,146 |
| Premises and equipment expense | $450,000 | 3,657 |
| Additional noninterest expense | $852,000 | 3,991 |
| Pre-tax net operating income | $3,145,000 | 2,160 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $953,000 | 1,946 |
| Income before extraordinary items | $2,192,000 | 2,323 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,192,000 | 2,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,884 |
| Cash dividends | $3,675,000 | 614 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,192,000 | 2,285 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,969,000 | 3,054 |
| Total interest expense | $1,484,000 | 3,069 |
| Net interest income | $3,485,000 | 3,008 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $605,000 | 3,073 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $335,000 | 2,398 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $269,000 | 3,263 |
| Total noninterest expense | $1,848,000 | 4,057 |
| Salaries and employee benefits | $982,000 | 4,134 |
| Premises and equipment expense | $306,000 | 3,565 |
| Additional noninterest expense | $560,000 | 4,010 |
| Pre-tax net operating income | $2,197,000 | 2,038 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $661,000 | 1,868 |
| Income before extraordinary items | $1,536,000 | 2,194 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,536,000 | 2,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 8,499 |
| Cash dividends | $3,100,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,536,000 | 2,156 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,449,000 | 3,040 |
| Total interest expense | $680,000 | 3,193 |
| Net interest income | $1,769,000 | 2,966 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $303,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $160,000 | 2,428 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $143,000 | 3,065 |
| Total noninterest expense | $916,000 | 4,108 |
| Salaries and employee benefits | $481,000 | 4,218 |
| Premises and equipment expense | $151,000 | 3,632 |
| Additional noninterest expense | $284,000 | 3,974 |
| Pre-tax net operating income | $1,156,000 | 1,934 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $355,000 | 1,748 |
| Income before extraordinary items | $801,000 | 2,076 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $801,000 | 2,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $600,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $801,000 | 2,041 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,046,000 | 2,815 |
| Total interest expense | $2,819,000 | 2,760 |
| Net interest income | $7,227,000 | 2,802 |
| Provision for loan and lease losses | $380,000 | 2,457 |
| Total noninterest income | $1,110,000 | 3,311 |
| Gross Fiduciary activities income | $1,000 | 1,536 |
| Service charges on deposit accounts | $692,000 | 2,389 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $417,000 | 3,640 |
| Total noninterest expense | $3,692,000 | 3,993 |
| Salaries and employee benefits | $1,892,000 | 4,180 |
| Premises and equipment expense | $612,000 | 3,480 |
| Additional noninterest expense | $1,188,000 | 3,776 |
| Pre-tax net operating income | $4,265,000 | 1,938 |
| Securities gains (losses) | $-1,571,000 | 8,914 |
| Applicable income taxes | $761,000 | 2,608 |
| Income before extraordinary items | $1,933,000 | 3,003 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,933,000 | 3,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,138 |
| Cash dividends | $1,600,000 | 1,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,064,120 | 1,992 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,536,000 | 2,781 |
| Total interest expense | $2,144,000 | 2,701 |
| Net interest income | $5,392,000 | 2,789 |
| Provision for loan and lease losses | $335,000 | 2,066 |
| Total noninterest income | $851,000 | 3,276 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $515,000 | 2,434 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $336,000 | 3,518 |
| Total noninterest expense | $2,818,000 | 3,899 |
| Salaries and employee benefits | $1,440,000 | 4,088 |
| Premises and equipment expense | $490,000 | 3,305 |
| Additional noninterest expense | $888,000 | 3,764 |
| Pre-tax net operating income | $3,090,000 | 2,021 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $922,000 | 1,905 |
| Income before extraordinary items | $2,168,000 | 2,161 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,168,000 | 2,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,684 |
| Cash dividends | $1,100,000 | 1,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,168,000 | 2,109 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,999,000 | 2,787 |
| Total interest expense | $1,427,000 | 2,677 |
| Net interest income | $3,572,000 | 2,791 |
| Provision for loan and lease losses | $290,000 | 1,635 |
| Total noninterest income | $588,000 | 3,214 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $344,000 | 2,431 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $244,000 | 3,365 |
| Total noninterest expense | $1,886,000 | 3,927 |
| Salaries and employee benefits | $954,000 | 4,121 |
| Premises and equipment expense | $348,000 | 3,141 |
| Additional noninterest expense | $584,000 | 3,820 |
| Pre-tax net operating income | $1,984,000 | 2,056 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $583,000 | 1,974 |
| Income before extraordinary items | $1,401,000 | 2,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,401,000 | 2,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,980 |
| Cash dividends | $1,100,000 | 1,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,401,000 | 2,135 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,496,000 | 2,794 |
| Total interest expense | $718,000 | 2,695 |
| Net interest income | $1,778,000 | 2,800 |
| Provision for loan and lease losses | $245,000 | 983 |
| Total noninterest income | $274,000 | 3,303 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $165,000 | 2,467 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $109,000 | 3,531 |
| Total noninterest expense | $959,000 | 3,888 |
| Salaries and employee benefits | $495,000 | 4,040 |
| Premises and equipment expense | $171,000 | 3,220 |
| Additional noninterest expense | $293,000 | 3,808 |
| Pre-tax net operating income | $848,000 | 2,317 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $233,000 | 2,299 |
| Income before extraordinary items | $615,000 | 2,441 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $615,000 | 2,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,213 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $615,000 | 2,357 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,438,000 | 2,706 |
| Total interest expense | $3,151,000 | 2,742 |
| Net interest income | $7,287,000 | 2,651 |
| Provision for loan and lease losses | $45,000 | 6,412 |
| Total noninterest income | $1,190,000 | 3,319 |
| Gross Fiduciary activities income | $1,000 | 1,575 |
| Service charges on deposit accounts | $673,000 | 2,441 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $516,000 | 3,528 |
| Total noninterest expense | $3,923,000 | 3,770 |
| Salaries and employee benefits | $2,099,000 | 3,776 |
| Premises and equipment expense | $626,000 | 3,402 |
| Additional noninterest expense | $1,198,000 | 3,730 |
| Pre-tax net operating income | $4,509,000 | 1,786 |
| Securities gains (losses) | $29,000 | 2,952 |
| Applicable income taxes | $1,396,000 | 1,722 |
| Income before extraordinary items | $3,142,000 | 1,959 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,142,000 | 1,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,339 |
| Cash dividends | $3,600,000 | 849 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,121,990 | 1,881 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,922,000 | 2,716 |
| Total interest expense | $2,419,000 | 2,771 |
| Net interest income | $5,503,000 | 2,655 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $899,000 | 3,372 |
| Gross Fiduciary activities income | $1,000 | 1,533 |
| Service charges on deposit accounts | $498,000 | 2,484 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $400,000 | 3,531 |
| Total noninterest expense | $3,059,000 | 3,643 |
| Salaries and employee benefits | $1,647,000 | 3,615 |
| Premises and equipment expense | $474,000 | 3,362 |
| Additional noninterest expense | $938,000 | 3,592 |
| Pre-tax net operating income | $3,343,000 | 1,868 |
| Securities gains (losses) | $29,000 | 2,717 |
| Applicable income taxes | $1,035,000 | 1,812 |
| Income before extraordinary items | $2,337,000 | 2,042 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,337,000 | 2,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 1,912 |
| Cash dividends | $3,275,000 | 689 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,316,990 | 1,949 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,377,000 | 2,697 |
| Total interest expense | $1,654,000 | 2,782 |
| Net interest income | $3,723,000 | 2,611 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $560,000 | 3,505 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $306,000 | 2,610 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $254,000 | 3,598 |
| Total noninterest expense | $2,046,000 | 3,616 |
| Salaries and employee benefits | $1,100,000 | 3,605 |
| Premises and equipment expense | $359,000 | 3,014 |
| Additional noninterest expense | $587,000 | 3,758 |
| Pre-tax net operating income | $2,237,000 | 1,853 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $684,000 | 1,848 |
| Income before extraordinary items | $1,553,000 | 2,044 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,553,000 | 2,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,259 |
| Cash dividends | $2,725,000 | 569 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,553,000 | 1,927 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,780,000 | 2,645 |
| Total interest expense | $848,000 | 2,783 |
| Net interest income | $1,932,000 | 2,511 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $268,000 | 3,491 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $134,000 | 2,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $134,000 | 3,408 |
| Total noninterest expense | $1,030,000 | 3,563 |
| Salaries and employee benefits | $559,000 | 3,564 |
| Premises and equipment expense | $181,000 | 3,001 |
| Additional noninterest expense | $290,000 | 3,754 |
| Pre-tax net operating income | $1,170,000 | 1,787 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $352,000 | 1,810 |
| Income before extraordinary items | $818,000 | 1,931 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $818,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $1,300,000 | 540 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $818,000 | 1,824 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,283,000 | 2,513 |
| Total interest expense | $4,334,000 | 2,565 |
| Net interest income | $7,949,000 | 2,413 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $971,000 | 3,549 |
| Gross Fiduciary activities income | $86,000 | 1,020 |
| Service charges on deposit accounts | $484,000 | 3,058 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $401,000 | 3,694 |
| Total noninterest expense | $4,069,000 | 3,524 |
| Salaries and employee benefits | $2,231,000 | 3,420 |
| Premises and equipment expense | $609,000 | 3,370 |
| Additional noninterest expense | $1,229,000 | 3,545 |
| Pre-tax net operating income | $4,851,000 | 1,675 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,455,000 | 1,694 |
| Income before extraordinary items | $3,396,000 | 1,764 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,396,000 | 1,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 3,359 |
| Cash dividends | $3,175,000 | 888 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,396,000 | 1,711 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,613,000 | 2,509 |
| Total interest expense | $6,439,000 | 2,488 |
| Net interest income | $7,174,000 | 2,490 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $950,000 | 3,463 |
| Gross Fiduciary activities income | $145,000 | 911 |
| Service charges on deposit accounts | $477,000 | 2,950 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $328,000 | 3,918 |
| Total noninterest expense | $3,951,000 | 3,468 |
| Salaries and employee benefits | $2,174,000 | 3,347 |
| Premises and equipment expense | $596,000 | 3,374 |
| Additional noninterest expense | $1,181,000 | 3,549 |
| Pre-tax net operating income | $4,173,000 | 1,699 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,314,000 | 1,683 |
| Income before extraordinary items | $2,859,000 | 1,837 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,859,000 | 1,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,166 |
| Cash dividends | $2,835,000 | 978 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,859,000 | 1,769 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,935,000 | 2,494 |
| Total interest expense | $7,143,000 | 2,369 |
| Net interest income | $6,792,000 | 2,618 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $874,000 | 3,459 |
| Gross Fiduciary activities income | $113,000 | 916 |
| Service charges on deposit accounts | $398,000 | 3,257 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $363,000 | 3,559 |
| Total noninterest expense | $3,743,000 | 3,509 |
| Salaries and employee benefits | $2,011,000 | 3,445 |
| Premises and equipment expense | $585,000 | 3,343 |
| Additional noninterest expense | $1,147,000 | 3,586 |
| Pre-tax net operating income | $3,923,000 | 1,866 |
| Securities gains (losses) | $-9,000 | 8,282 |
| Applicable income taxes | $1,274,000 | 1,731 |
| Income before extraordinary items | $2,640,000 | 1,973 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,640,000 | 1,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,120 |
| Cash dividends | $2,050,000 | 1,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,646,030 | 1,977 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,499,000 | 2,607 |
| Total interest expense | $5,789,000 | 2,538 |
| Net interest income | $6,710,000 | 2,612 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $647,000 | 4,202 |
| Gross Fiduciary activities income | $81,000 | 1,025 |
| Service charges on deposit accounts | $356,000 | 3,526 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $210,000 | 4,835 |
| Total noninterest expense | $3,816,000 | 3,457 |
| Salaries and employee benefits | $2,079,000 | 3,318 |
| Premises and equipment expense | $634,000 | 3,110 |
| Additional noninterest expense | $1,103,000 | 3,703 |
| Pre-tax net operating income | $3,541,000 | 2,066 |
| Securities gains (losses) | $-6,000 | 9,143 |
| Applicable income taxes | $1,214,000 | 1,904 |
| Income before extraordinary items | $2,321,000 | 2,252 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,321,000 | 2,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,132 |
| Cash dividends | $2,025,000 | 1,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,324,960 | 2,228 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,606,000 | 2,783 |
| Total interest expense | $5,171,000 | 2,898 |
| Net interest income | $6,435,000 | 2,667 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $579,000 | 4,497 |
| Gross Fiduciary activities income | $59,000 | 1,088 |
| Service charges on deposit accounts | $314,000 | 3,803 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $206,000 | 4,887 |
| Total noninterest expense | $3,428,000 | 3,680 |
| Salaries and employee benefits | $1,936,000 | 3,447 |
| Premises and equipment expense | $596,000 | 3,188 |
| Additional noninterest expense | $896,000 | 4,305 |
| Pre-tax net operating income | $3,586,000 | 2,028 |
| Securities gains (losses) | $-12,000 | 10,213 |
| Applicable income taxes | $1,230,000 | 1,951 |
| Income before extraordinary items | $2,344,000 | 2,225 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,344,000 | 2,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,880 |
| Cash dividends | $3,020,000 | 963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,351,920 | 2,144 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,131,000 | 2,928 |
| Total interest expense | $4,782,000 | 3,112 |
| Net interest income | $6,349,000 | 2,742 |
| Provision for loan and lease losses | $-728,000 | 10,881 |
| Total noninterest income | $589,000 | 4,465 |
| Gross Fiduciary activities income | $53,000 | 1,165 |
| Service charges on deposit accounts | $314,000 | 3,933 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $222,000 | 4,710 |
| Total noninterest expense | $3,564,000 | 3,547 |
| Salaries and employee benefits | $1,962,000 | 3,368 |
| Premises and equipment expense | $563,000 | 3,339 |
| Additional noninterest expense | $1,039,000 | 3,758 |
| Pre-tax net operating income | $4,102,000 | 1,847 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,477,000 | 1,731 |
| Income before extraordinary items | $2,625,000 | 2,011 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,625,000 | 2,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 10,357 |
| Cash dividends | $2,074,000 | 1,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,625,000 | 1,957 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,015,000 | 4,571 |
| Total interest expense | $3,038,000 | 4,736 |
| Net interest income | $3,977,000 | 4,345 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $334,000 | 6,581 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,545 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 6,311 |
| Total noninterest expense | $2,483,000 | 5,038 |
| Salaries and employee benefits | $1,350,000 | 4,728 |
| Premises and equipment expense | $508,000 | 3,735 |
| Additional noninterest expense | $625,000 | 6,198 |
| Pre-tax net operating income | $1,778,000 | 3,772 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $636,000 | 3,413 |
| Income before extraordinary items | $1,142,000 | 4,031 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,142,000 | 4,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,977 |
| Cash dividends | $278,000 | 4,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,142,000 | 3,976 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,502,000 | 4,851 |
| Total interest expense | $3,131,000 | 4,566 |
| Net interest income | $3,371,000 | 5,014 |
| Provision for loan and lease losses | $67,000 | 5,503 |
| Total noninterest income | $325,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 5,456 |
| Total noninterest expense | $2,367,000 | 5,233 |
| Salaries and employee benefits | $1,255,000 | 5,016 |
| Premises and equipment expense | $427,000 | 4,282 |
| Additional noninterest expense | $685,000 | 5,960 |
| Pre-tax net operating income | $1,262,000 | 5,078 |
| Securities gains (losses) | $19,000 | 1,949 |
| Applicable income taxes | $461,000 | 4,450 |
| Income before extraordinary items | $820,000 | 5,353 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $820,000 | 5,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $152,000 | 6,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $807,840 | 5,385 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,843,000 | 4,985 |
| Total interest expense | $2,492,000 | 4,670 |
| Net interest income | $3,351,000 | 5,138 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $268,000 | 7,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 6,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 7,070 |
| Total noninterest expense | $2,330,000 | 5,489 |
| Salaries and employee benefits | $1,225,000 | 5,152 |
| Premises and equipment expense | $419,000 | 4,412 |
| Additional noninterest expense | $686,000 | 6,429 |
| Pre-tax net operating income | $1,169,000 | 5,339 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $376,000 | 4,992 |
| Income before extraordinary items | $803,000 | 5,352 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $803,000 | 5,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $114,000 | 6,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $796,200 | 5,448 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,711,000 | 5,174 |
| Total interest expense | $2,556,000 | 4,720 |
| Net interest income | $3,155,000 | 5,438 |
| Provision for loan and lease losses | $144,000 | 4,763 |
| Total noninterest income | $284,000 | 7,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $154,000 | 6,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 7,013 |
| Total noninterest expense | $2,303,000 | 5,662 |
| Salaries and employee benefits | $1,145,000 | 5,448 |
| Premises and equipment expense | $453,000 | 4,242 |
| Additional noninterest expense | $705,000 | 6,524 |
| Pre-tax net operating income | $992,000 | 5,912 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $334,000 | 5,684 |
| Income before extraordinary items | $662,000 | 6,341 |
| Extraordinary gains, net | $68,000 | 1,931 |
| Net income | $730,000 | 6,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 12,404 |
| Cash dividends | $123,000 | 6,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $659,360 | 6,124 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,289,000 | 5,283 |
| Total interest expense | $3,117,000 | 4,996 |
| Net interest income | $3,172,000 | 5,452 |
| Provision for loan and lease losses | $163,000 | 5,860 |
| Total noninterest income | $232,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 7,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,687 |
| Total noninterest expense | $2,286,000 | 5,717 |
| Salaries and employee benefits | $1,094,000 | 5,605 |
| Premises and equipment expense | $490,000 | 4,041 |
| Additional noninterest expense | $702,000 | 6,732 |
| Pre-tax net operating income | $955,000 | 5,829 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $363,000 | 5,177 |
| Income before extraordinary items | $615,000 | 6,471 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $615,000 | 6,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 4,874 |
| Cash dividends | $109,000 | 6,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $600,280 | 6,206 |
* 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.