Home > Peoples Bank > Income and Expense
Peoples Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,804,000 | 5,182 |
| Total interest expense | $973,000 | 5,297 |
| Net interest income | $1,831,000 | 4,978 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $526,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $427,000 | 1,984 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,149 |
| Total noninterest expense | $1,684,000 | 4,522 |
| Salaries and employee benefits | $870,000 | 4,728 |
| Premises and equipment expense | $195,000 | 5,016 |
| Additional noninterest expense | $619,000 | 3,820 |
| Pre-tax net operating income | $673,000 | 4,725 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $673,000 | 4,169 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $673,000 | 4,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,703 |
| Cash dividends | $309,000 | 3,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $673,000 | 4,163 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,358,000 | 5,226 |
| Total interest expense | $454,000 | 5,375 |
| Net interest income | $904,000 | 5,020 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $251,000 | 3,458 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $200,000 | 2,049 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,080 |
| Total noninterest expense | $845,000 | 4,516 |
| Salaries and employee benefits | $445,000 | 4,681 |
| Premises and equipment expense | $93,000 | 5,175 |
| Additional noninterest expense | $307,000 | 3,826 |
| Pre-tax net operating income | $310,000 | 4,884 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $310,000 | 4,336 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $310,000 | 4,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 1,701 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $310,000 | 4,324 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,939,000 | 5,188 |
| Total interest expense | $1,328,000 | 5,563 |
| Net interest income | $3,611,000 | 4,924 |
| Provision for loan and lease losses | $115,000 | 4,632 |
| Total noninterest income | $1,005,000 | 3,554 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $827,000 | 2,055 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $178,000 | 5,403 |
| Total noninterest expense | $3,226,000 | 4,551 |
| Salaries and employee benefits | $1,649,000 | 4,759 |
| Premises and equipment expense | $367,000 | 5,134 |
| Additional noninterest expense | $1,210,000 | 3,849 |
| Pre-tax net operating income | $1,275,000 | 4,774 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $11,000 | 6,510 |
| Income before extraordinary items | $1,265,000 | 4,216 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,265,000 | 4,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $625,000 | 3,265 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,264,010 | 4,197 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,640,000 | 5,217 |
| Total interest expense | $945,000 | 5,598 |
| Net interest income | $2,695,000 | 4,966 |
| Provision for loan and lease losses | $115,000 | 3,957 |
| Total noninterest income | $761,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $617,000 | 2,053 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $144,000 | 5,263 |
| Total noninterest expense | $2,358,000 | 4,604 |
| Salaries and employee benefits | $1,212,000 | 4,796 |
| Premises and equipment expense | $256,000 | 5,356 |
| Additional noninterest expense | $890,000 | 3,842 |
| Pre-tax net operating income | $983,000 | 4,813 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $9,000 | 6,562 |
| Income before extraordinary items | $973,000 | 4,236 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $973,000 | 4,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,898 |
| Cash dividends | $470,000 | 2,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $973,990 | 4,186 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,328,000 | 5,285 |
| Total interest expense | $601,000 | 5,560 |
| Net interest income | $1,727,000 | 5,071 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $489,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $393,000 | 2,095 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $96,000 | 5,271 |
| Total noninterest expense | $1,556,000 | 4,619 |
| Salaries and employee benefits | $799,000 | 4,810 |
| Premises and equipment expense | $158,000 | 5,558 |
| Additional noninterest expense | $599,000 | 3,810 |
| Pre-tax net operating income | $570,000 | 5,132 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $6,000 | 6,566 |
| Income before extraordinary items | $565,000 | 4,573 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $565,000 | 4,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $280,000 | 3,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $564,010 | 4,526 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,111,000 | 5,416 |
| Total interest expense | $292,000 | 5,551 |
| Net interest income | $819,000 | 5,264 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $232,000 | 3,637 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $186,000 | 2,145 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,356 |
| Total noninterest expense | $737,000 | 4,804 |
| Salaries and employee benefits | $376,000 | 5,035 |
| Premises and equipment expense | $79,000 | 5,599 |
| Additional noninterest expense | $282,000 | 3,994 |
| Pre-tax net operating income | $269,000 | 5,274 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $266,000 | 4,699 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $266,000 | 4,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $130,000 | 2,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $266,000 | 4,658 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,487,000 | 5,187 |
| Total interest expense | $1,056,000 | 5,508 |
| Net interest income | $3,431,000 | 4,972 |
| Provision for loan and lease losses | $115,000 | 4,787 |
| Total noninterest income | $957,000 | 3,660 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $816,000 | 2,108 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $141,000 | 5,805 |
| Total noninterest expense | $2,941,000 | 4,723 |
| Salaries and employee benefits | $1,531,000 | 4,875 |
| Premises and equipment expense | $288,000 | 5,783 |
| Additional noninterest expense | $1,122,000 | 3,959 |
| Pre-tax net operating income | $1,332,000 | 4,538 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $12,000 | 6,712 |
| Income before extraordinary items | $1,320,000 | 3,947 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,320,000 | 3,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,217 |
| Cash dividends | $620,000 | 3,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,320,000 | 3,886 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,310,000 | 5,229 |
| Total interest expense | $772,000 | 5,548 |
| Net interest income | $2,538,000 | 5,009 |
| Provision for loan and lease losses | $115,000 | 4,038 |
| Total noninterest income | $714,000 | 3,686 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $607,000 | 2,144 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $107,000 | 5,792 |
| Total noninterest expense | $2,141,000 | 4,781 |
| Salaries and employee benefits | $1,129,000 | 4,886 |
| Premises and equipment expense | $212,000 | 5,809 |
| Additional noninterest expense | $800,000 | 4,081 |
| Pre-tax net operating income | $996,000 | 4,621 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $9,000 | 6,807 |
| Income before extraordinary items | $987,000 | 4,040 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $987,000 | 4,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,986 |
| Cash dividends | $425,000 | 2,953 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $987,000 | 3,972 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,108,000 | 5,383 |
| Total interest expense | $491,000 | 5,698 |
| Net interest income | $1,617,000 | 5,165 |
| Provision for loan and lease losses | $86,000 | 3,821 |
| Total noninterest income | $458,000 | 3,778 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $391,000 | 2,193 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $67,000 | 5,931 |
| Total noninterest expense | $1,419,000 | 4,826 |
| Salaries and employee benefits | $742,000 | 4,964 |
| Premises and equipment expense | $143,000 | 5,814 |
| Additional noninterest expense | $534,000 | 4,110 |
| Pre-tax net operating income | $570,000 | 4,956 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,000 | 6,827 |
| Income before extraordinary items | $564,000 | 4,413 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $564,000 | 4,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,323 |
| Cash dividends | $235,000 | 3,243 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $564,000 | 4,326 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,032,000 | 5,480 |
| Total interest expense | $236,000 | 5,862 |
| Net interest income | $796,000 | 5,228 |
| Provision for loan and lease losses | $43,000 | 3,661 |
| Total noninterest income | $209,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $176,000 | 2,323 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $33,000 | 5,928 |
| Total noninterest expense | $684,000 | 4,992 |
| Salaries and employee benefits | $368,000 | 5,005 |
| Premises and equipment expense | $75,000 | 5,696 |
| Additional noninterest expense | $241,000 | 4,449 |
| Pre-tax net operating income | $278,000 | 5,008 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $275,000 | 4,515 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $275,000 | 4,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $135,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $275,000 | 4,381 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,178,000 | 5,490 |
| Total interest expense | $1,082,000 | 5,889 |
| Net interest income | $3,096,000 | 5,211 |
| Provision for loan and lease losses | $109,000 | 5,199 |
| Total noninterest income | $962,000 | 3,803 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $708,000 | 2,331 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $254,000 | 4,832 |
| Total noninterest expense | $2,708,000 | 4,933 |
| Salaries and employee benefits | $1,442,000 | 4,981 |
| Premises and equipment expense | $318,000 | 5,483 |
| Additional noninterest expense | $948,000 | 4,442 |
| Pre-tax net operating income | $1,241,000 | 4,600 |
| Securities gains (losses) | $24,000 | 3,094 |
| Applicable income taxes | $2,000 | 7,318 |
| Income before extraordinary items | $1,263,000 | 3,999 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,263,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,234 |
| Cash dividends | $570,000 | 3,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,239,000 | 3,874 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,130,000 | 5,548 |
| Total interest expense | $836,000 | 5,941 |
| Net interest income | $2,294,000 | 5,266 |
| Provision for loan and lease losses | $94,000 | 4,767 |
| Total noninterest income | $731,000 | 3,841 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $518,000 | 2,400 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $213,000 | 4,667 |
| Total noninterest expense | $2,000,000 | 4,983 |
| Salaries and employee benefits | $1,082,000 | 4,966 |
| Premises and equipment expense | $237,000 | 5,499 |
| Additional noninterest expense | $681,000 | 4,558 |
| Pre-tax net operating income | $931,000 | 4,746 |
| Securities gains (losses) | $11,000 | 3,280 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $942,000 | 4,140 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $942,000 | 4,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,282 |
| Cash dividends | $345,000 | 3,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $931,000 | 4,008 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,062,000 | 5,639 |
| Total interest expense | $578,000 | 5,957 |
| Net interest income | $1,484,000 | 5,363 |
| Provision for loan and lease losses | $72,000 | 4,482 |
| Total noninterest income | $471,000 | 3,873 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $332,000 | 2,447 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $139,000 | 4,696 |
| Total noninterest expense | $1,312,000 | 5,026 |
| Salaries and employee benefits | $712,000 | 5,013 |
| Premises and equipment expense | $158,000 | 5,480 |
| Additional noninterest expense | $442,000 | 4,655 |
| Pre-tax net operating income | $571,000 | 4,966 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-4,000 | 8,947 |
| Income before extraordinary items | $575,000 | 4,412 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $575,000 | 4,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $230,000 | 3,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $575,000 | 4,198 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,033,000 | 5,661 |
| Total interest expense | $293,000 | 6,005 |
| Net interest income | $740,000 | 5,360 |
| Provision for loan and lease losses | $36,000 | 4,248 |
| Total noninterest income | $216,000 | 3,979 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $153,000 | 2,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $63,000 | 4,821 |
| Total noninterest expense | $652,000 | 5,053 |
| Salaries and employee benefits | $350,000 | 5,087 |
| Premises and equipment expense | $80,000 | 5,448 |
| Additional noninterest expense | $222,000 | 4,600 |
| Pre-tax net operating income | $268,000 | 5,090 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-7,000 | 9,047 |
| Income before extraordinary items | $275,000 | 4,468 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $275,000 | 4,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $90,000 | 3,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $275,000 | 4,271 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,256,000 | 5,714 |
| Total interest expense | $1,248,000 | 6,315 |
| Net interest income | $3,008,000 | 5,269 |
| Provision for loan and lease losses | $265,000 | 3,725 |
| Total noninterest income | $849,000 | 3,849 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $674,000 | 2,320 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $175,000 | 5,281 |
| Total noninterest expense | $2,517,000 | 5,061 |
| Salaries and employee benefits | $1,347,000 | 5,080 |
| Premises and equipment expense | $309,000 | 5,475 |
| Additional noninterest expense | $861,000 | 4,679 |
| Pre-tax net operating income | $1,075,000 | 5,025 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-73,000 | 9,034 |
| Income before extraordinary items | $1,148,000 | 4,201 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,148,000 | 4,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,397 |
| Cash dividends | $500,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,148,000 | 4,105 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,582,000 | 5,911 |
| Total interest expense | $1,869,000 | 6,313 |
| Net interest income | $2,713,000 | 5,432 |
| Provision for loan and lease losses | $116,000 | 5,357 |
| Total noninterest income | $686,000 | 4,241 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $528,000 | 2,716 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $158,000 | 5,439 |
| Total noninterest expense | $2,273,000 | 5,276 |
| Salaries and employee benefits | $1,233,000 | 5,214 |
| Premises and equipment expense | $295,000 | 5,573 |
| Additional noninterest expense | $745,000 | 5,036 |
| Pre-tax net operating income | $1,010,000 | 4,873 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $279,000 | 4,411 |
| Income before extraordinary items | $731,000 | 5,126 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $731,000 | 5,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,356 |
| Cash dividends | $100,000 | 5,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $731,000 | 5,016 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,501,000 | 6,091 |
| Total interest expense | $2,019,000 | 6,243 |
| Net interest income | $2,482,000 | 5,834 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $486,000 | 4,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,370 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 6,336 |
| Total noninterest expense | $2,032,000 | 5,622 |
| Salaries and employee benefits | $1,069,000 | 5,661 |
| Premises and equipment expense | $274,000 | 5,725 |
| Additional noninterest expense | $689,000 | 5,232 |
| Pre-tax net operating income | $816,000 | 5,812 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $170,000 | 5,712 |
| Income before extraordinary items | $646,000 | 5,638 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $646,000 | 5,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,122 |
| Cash dividends | $470,000 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $646,000 | 5,648 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,799,000 | 6,523 |
| Total interest expense | $1,678,000 | 6,580 |
| Net interest income | $2,121,000 | 6,426 |
| Provision for loan and lease losses | $96,000 | 5,335 |
| Total noninterest income | $417,000 | 5,485 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 3,818 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,650 |
| Total noninterest expense | $1,828,000 | 6,021 |
| Salaries and employee benefits | $990,000 | 5,930 |
| Premises and equipment expense | $262,000 | 5,888 |
| Additional noninterest expense | $576,000 | 5,977 |
| Pre-tax net operating income | $614,000 | 6,660 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $104,000 | 6,870 |
| Income before extraordinary items | $510,000 | 6,373 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $510,000 | 6,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $382,000 | 4,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $510,000 | 6,352 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,290,000 | 7,181 |
| Total interest expense | $1,436,000 | 7,333 |
| Net interest income | $1,854,000 | 6,939 |
| Provision for loan and lease losses | $66,000 | 5,965 |
| Total noninterest income | $352,000 | 5,994 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 4,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 5,996 |
| Total noninterest expense | $1,791,000 | 6,016 |
| Salaries and employee benefits | $996,000 | 5,808 |
| Premises and equipment expense | $205,000 | 6,629 |
| Additional noninterest expense | $590,000 | 5,817 |
| Pre-tax net operating income | $349,000 | 8,143 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $19,000 | 8,905 |
| Income before extraordinary items | $329,000 | 7,654 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $329,000 | 7,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,851 |
| Cash dividends | $220,000 | 5,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $329,950 | 7,568 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,046,000 | 7,706 |
| Total interest expense | $1,230,000 | 8,037 |
| Net interest income | $1,816,000 | 7,281 |
| Provision for loan and lease losses | $74,000 | 5,820 |
| Total noninterest income | $261,000 | 7,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 5,977 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,788 |
| Total noninterest expense | $1,382,000 | 7,081 |
| Salaries and employee benefits | $818,000 | 6,685 |
| Premises and equipment expense | $122,000 | 8,446 |
| Additional noninterest expense | $442,000 | 6,996 |
| Pre-tax net operating income | $621,000 | 7,327 |
| Securities gains (losses) | $64,000 | 1,201 |
| Applicable income taxes | $146,000 | 7,669 |
| Income before extraordinary items | $539,000 | 6,743 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $539,000 | 6,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,992 |
| Cash dividends | $390,000 | 4,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $488,440 | 6,996 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,954,000 | 8,061 |
| Total interest expense | $1,213,000 | 8,343 |
| Net interest income | $1,741,000 | 7,683 |
| Provision for loan and lease losses | $74,000 | 5,750 |
| Total noninterest income | $220,000 | 7,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 6,443 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,124 |
| Total noninterest expense | $1,209,000 | 7,961 |
| Salaries and employee benefits | $715,000 | 7,424 |
| Premises and equipment expense | $101,000 | 9,258 |
| Additional noninterest expense | $393,000 | 7,935 |
| Pre-tax net operating income | $678,000 | 7,033 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $154,000 | 7,820 |
| Income before extraordinary items | $521,000 | 6,755 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $521,000 | 6,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $390,000 | 3,980 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $523,310 | 6,687 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,968,000 | 8,256 |
| Total interest expense | $1,234,000 | 8,478 |
| Net interest income | $1,734,000 | 7,926 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $179,000 | 8,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,895 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,709 |
| Total noninterest expense | $1,188,000 | 8,248 |
| Salaries and employee benefits | $693,000 | 7,757 |
| Premises and equipment expense | $112,000 | 9,254 |
| Additional noninterest expense | $383,000 | 8,367 |
| Pre-tax net operating income | $701,000 | 7,326 |
| Securities gains (losses) | $-13,000 | 10,273 |
| Applicable income taxes | $151,000 | 8,236 |
| Income before extraordinary items | $537,000 | 6,984 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $537,000 | 6,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $547,140 | 6,894 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,519,000 | 8,883 |
| Total interest expense | $880,000 | 9,219 |
| Net interest income | $1,639,000 | 8,484 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $185,000 | 9,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 7,011 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,157 |
| Total noninterest expense | $1,113,000 | 8,933 |
| Salaries and employee benefits | $613,000 | 8,527 |
| Premises and equipment expense | $113,000 | 9,600 |
| Additional noninterest expense | $387,000 | 8,949 |
| Pre-tax net operating income | $675,000 | 7,555 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $150,000 | 8,297 |
| Income before extraordinary items | $520,000 | 7,154 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $520,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $365,000 | 3,966 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $523,900 | 7,167 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,476,000 | 9,236 |
| Total interest expense | $835,000 | 9,859 |
| Net interest income | $1,641,000 | 8,670 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $174,000 | 9,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 7,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 10,795 |
| Total noninterest expense | $1,123,000 | 9,233 |
| Salaries and employee benefits | $605,000 | 8,761 |
| Premises and equipment expense | $113,000 | 10,024 |
| Additional noninterest expense | $405,000 | 9,219 |
| Pre-tax net operating income | $652,000 | 7,621 |
| Securities gains (losses) | $-20,000 | 12,922 |
| Applicable income taxes | $131,000 | 9,063 |
| Income before extraordinary items | $501,000 | 7,547 |
| Extraordinary gains, net | $21,000 | 2,682 |
| Net income | $522,000 | 7,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $360,000 | 3,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $516,800 | 7,174 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,716,000 | 9,506 |
| Total interest expense | $1,043,000 | 10,213 |
| Net interest income | $1,673,000 | 8,738 |
| Provision for loan and lease losses | $137,000 | 6,359 |
| Total noninterest income | $181,000 | 9,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 10,222 |
| Total noninterest expense | $1,167,000 | 9,201 |
| Salaries and employee benefits | $607,000 | 8,751 |
| Premises and equipment expense | $96,000 | 10,873 |
| Additional noninterest expense | $464,000 | 8,819 |
| Pre-tax net operating income | $550,000 | 8,068 |
| Securities gains (losses) | $-22,000 | 13,503 |
| Applicable income taxes | $90,000 | 10,159 |
| Income before extraordinary items | $438,000 | 7,850 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $438,000 | 7,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 4,493 |
| Cash dividends | $330,000 | 3,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $456,260 | 7,330 |
* 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.