Home > Peoples State Bank of Mansfield > Income and Expense
Peoples State Bank of Mansfield, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,182,000 | 7,295 |
| Total interest expense | $437,000 | 7,128 |
| Net interest income | $745,000 | 7,316 |
| Provision for loan and lease losses | $20,000 | 5,511 |
| Total noninterest income | $100,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $66,000 | 5,810 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $34,000 | 6,958 |
| Total noninterest expense | $394,000 | 8,074 |
| Salaries and employee benefits | $199,000 | 8,205 |
| Premises and equipment expense | $62,000 | 7,587 |
| Additional noninterest expense | $133,000 | 7,802 |
| Pre-tax net operating income | $431,000 | 5,733 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $142,000 | 4,093 |
| Income before extraordinary items | $289,000 | 6,086 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $289,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $289,000 | 6,082 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,525,000 | 4,852 |
| Total interest expense | $568,000 | 4,746 |
| Net interest income | $957,000 | 4,840 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $168,000 | 4,368 |
| Gross Fiduciary activities income | $22,000 | 976 |
| Service charges on deposit accounts | $88,000 | 3,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $58,000 | 4,825 |
| Total noninterest expense | $646,000 | 5,379 |
| Salaries and employee benefits | $414,000 | 4,900 |
| Premises and equipment expense | $92,000 | 5,213 |
| Additional noninterest expense | $140,000 | 6,252 |
| Pre-tax net operating income | $449,000 | 3,997 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $125,000 | 3,281 |
| Income before extraordinary items | $324,000 | 4,224 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $324,000 | 4,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,900 |
| Cash dividends | $50,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $324,000 | 4,207 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,021,000 | 4,594 |
| Total interest expense | $2,018,000 | 4,408 |
| Net interest income | $4,003,000 | 4,624 |
| Provision for loan and lease losses | $80,000 | 5,115 |
| Total noninterest income | $665,000 | 4,523 |
| Gross Fiduciary activities income | $20,000 | 1,184 |
| Service charges on deposit accounts | $407,000 | 3,513 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $238,000 | 4,826 |
| Total noninterest expense | $2,654,000 | 5,175 |
| Salaries and employee benefits | $1,638,000 | 4,775 |
| Premises and equipment expense | $369,000 | 5,111 |
| Additional noninterest expense | $647,000 | 5,811 |
| Pre-tax net operating income | $1,934,000 | 3,770 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $553,000 | 3,196 |
| Income before extraordinary items | $1,381,000 | 3,991 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,381,000 | 3,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,457 |
| Cash dividends | $348,000 | 4,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,381,000 | 3,960 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,462,000 | 4,584 |
| Total interest expense | $1,472,000 | 4,350 |
| Net interest income | $2,990,000 | 4,655 |
| Provision for loan and lease losses | $80,000 | 4,606 |
| Total noninterest income | $499,000 | 4,547 |
| Gross Fiduciary activities income | $18,000 | 1,134 |
| Service charges on deposit accounts | $306,000 | 3,515 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $175,000 | 4,897 |
| Total noninterest expense | $2,014,000 | 5,121 |
| Salaries and employee benefits | $1,253,000 | 4,681 |
| Premises and equipment expense | $273,000 | 5,144 |
| Additional noninterest expense | $488,000 | 5,779 |
| Pre-tax net operating income | $1,395,000 | 3,949 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $412,000 | 3,271 |
| Income before extraordinary items | $983,000 | 4,213 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $983,000 | 4,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,593 |
| Cash dividends | $166,000 | 4,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $983,000 | 4,164 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,962,000 | 4,544 |
| Total interest expense | $959,000 | 4,251 |
| Net interest income | $2,003,000 | 4,608 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $325,000 | 4,579 |
| Gross Fiduciary activities income | $18,000 | 1,075 |
| Service charges on deposit accounts | $195,000 | 3,554 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $112,000 | 4,964 |
| Total noninterest expense | $1,323,000 | 5,157 |
| Salaries and employee benefits | $817,000 | 4,741 |
| Premises and equipment expense | $179,000 | 5,190 |
| Additional noninterest expense | $327,000 | 5,737 |
| Pre-tax net operating income | $945,000 | 3,859 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $277,000 | 3,236 |
| Income before extraordinary items | $668,000 | 4,124 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $668,000 | 4,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $159,000 | 3,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $668,000 | 4,066 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,461,000 | 4,571 |
| Total interest expense | $467,000 | 4,222 |
| Net interest income | $994,000 | 4,639 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $163,000 | 4,492 |
| Gross Fiduciary activities income | $17,000 | 1,005 |
| Service charges on deposit accounts | $91,000 | 3,658 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,967 |
| Total noninterest expense | $639,000 | 5,296 |
| Salaries and employee benefits | $404,000 | 4,807 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $147,000 | 6,073 |
| Pre-tax net operating income | $488,000 | 3,742 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $135,000 | 3,271 |
| Income before extraordinary items | $353,000 | 3,939 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $353,000 | 3,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $10,000 | 3,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $353,000 | 3,891 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,715,000 | 4,407 |
| Total interest expense | $1,809,000 | 3,960 |
| Net interest income | $3,906,000 | 4,556 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $639,000 | 4,651 |
| Gross Fiduciary activities income | $18,000 | 1,217 |
| Service charges on deposit accounts | $450,000 | 3,385 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $171,000 | 5,432 |
| Total noninterest expense | $2,522,000 | 5,273 |
| Salaries and employee benefits | $1,565,000 | 4,789 |
| Premises and equipment expense | $335,000 | 5,363 |
| Additional noninterest expense | $622,000 | 5,872 |
| Pre-tax net operating income | $1,903,000 | 3,623 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $570,000 | 3,124 |
| Income before extraordinary items | $1,333,000 | 3,926 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,333,000 | 3,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,862 |
| Cash dividends | $249,000 | 4,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,333,000 | 3,861 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,260,000 | 4,405 |
| Total interest expense | $1,349,000 | 3,929 |
| Net interest income | $2,911,000 | 4,575 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $490,000 | 4,606 |
| Gross Fiduciary activities income | $17,000 | 1,162 |
| Service charges on deposit accounts | $337,000 | 3,399 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $136,000 | 5,337 |
| Total noninterest expense | $1,907,000 | 5,201 |
| Salaries and employee benefits | $1,182,000 | 4,730 |
| Premises and equipment expense | $247,000 | 5,378 |
| Additional noninterest expense | $478,000 | 5,766 |
| Pre-tax net operating income | $1,404,000 | 3,741 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $375,000 | 3,419 |
| Income before extraordinary items | $1,029,000 | 3,930 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,029,000 | 3,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,844 |
| Cash dividends | $89,000 | 4,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,029,000 | 3,869 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,817,000 | 4,445 |
| Total interest expense | $899,000 | 3,932 |
| Net interest income | $1,918,000 | 4,604 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $326,000 | 4,593 |
| Gross Fiduciary activities income | $16,000 | 1,121 |
| Service charges on deposit accounts | $215,000 | 3,478 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $95,000 | 5,258 |
| Total noninterest expense | $1,266,000 | 5,246 |
| Salaries and employee benefits | $786,000 | 4,779 |
| Premises and equipment expense | $167,000 | 5,367 |
| Additional noninterest expense | $313,000 | 5,852 |
| Pre-tax net operating income | $918,000 | 3,738 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $240,000 | 3,459 |
| Income before extraordinary items | $678,000 | 3,922 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $678,000 | 3,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,147 |
| Cash dividends | $89,000 | 4,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $678,000 | 3,842 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 4,442 |
| Total interest expense | $452,000 | 3,965 |
| Net interest income | $965,000 | 4,588 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $172,000 | 4,435 |
| Gross Fiduciary activities income | $17,000 | 1,022 |
| Service charges on deposit accounts | $97,000 | 3,656 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $58,000 | 4,809 |
| Total noninterest expense | $629,000 | 5,291 |
| Salaries and employee benefits | $393,000 | 4,803 |
| Premises and equipment expense | $86,000 | 5,308 |
| Additional noninterest expense | $150,000 | 5,995 |
| Pre-tax net operating income | $478,000 | 3,642 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $120,000 | 3,488 |
| Income before extraordinary items | $358,000 | 3,797 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $358,000 | 3,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,966 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $358,000 | 3,681 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,859,000 | 4,377 |
| Total interest expense | $2,042,000 | 3,966 |
| Net interest income | $3,817,000 | 4,512 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $683,000 | 4,619 |
| Gross Fiduciary activities income | $24,000 | 1,214 |
| Service charges on deposit accounts | $433,000 | 3,471 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $226,000 | 5,041 |
| Total noninterest expense | $2,522,000 | 5,182 |
| Salaries and employee benefits | $1,546,000 | 4,757 |
| Premises and equipment expense | $314,000 | 5,535 |
| Additional noninterest expense | $662,000 | 5,672 |
| Pre-tax net operating income | $1,798,000 | 3,636 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $500,000 | 3,380 |
| Income before extraordinary items | $1,298,000 | 3,927 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,298,000 | 3,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $338,000 | 2,090 |
| Cash dividends | $862,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,298,000 | 3,763 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,445,000 | 4,392 |
| Total interest expense | $1,575,000 | 3,992 |
| Net interest income | $2,870,000 | 4,524 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $486,000 | 4,821 |
| Gross Fiduciary activities income | $23,000 | 1,161 |
| Service charges on deposit accounts | $320,000 | 3,516 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $143,000 | 5,434 |
| Total noninterest expense | $1,870,000 | 5,204 |
| Salaries and employee benefits | $1,151,000 | 4,771 |
| Premises and equipment expense | $228,000 | 5,602 |
| Additional noninterest expense | $491,000 | 5,704 |
| Pre-tax net operating income | $1,351,000 | 3,759 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $355,000 | 3,614 |
| Income before extraordinary items | $996,000 | 3,988 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $996,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,994 |
| Cash dividends | $605,000 | 2,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $996,000 | 3,827 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,008,000 | 4,383 |
| Total interest expense | $1,094,000 | 3,972 |
| Net interest income | $1,914,000 | 4,526 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $315,000 | 4,864 |
| Gross Fiduciary activities income | $23,000 | 1,090 |
| Service charges on deposit accounts | $204,000 | 3,582 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $88,000 | 5,563 |
| Total noninterest expense | $1,227,000 | 5,254 |
| Salaries and employee benefits | $762,000 | 4,799 |
| Premises and equipment expense | $146,000 | 5,746 |
| Additional noninterest expense | $319,000 | 5,767 |
| Pre-tax net operating income | $912,000 | 3,729 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $235,000 | 3,668 |
| Income before extraordinary items | $677,000 | 3,957 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $677,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,447 |
| Cash dividends | $430,000 | 2,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $677,000 | 3,777 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,550,000 | 4,322 |
| Total interest expense | $581,000 | 3,855 |
| Net interest income | $969,000 | 4,492 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $167,000 | 4,611 |
| Gross Fiduciary activities income | $23,000 | 994 |
| Service charges on deposit accounts | $99,000 | 3,577 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $45,000 | 5,466 |
| Total noninterest expense | $612,000 | 5,272 |
| Salaries and employee benefits | $376,000 | 4,846 |
| Premises and equipment expense | $74,000 | 5,683 |
| Additional noninterest expense | $162,000 | 5,685 |
| Pre-tax net operating income | $479,000 | 3,598 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $115,000 | 3,702 |
| Income before extraordinary items | $364,000 | 3,701 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $364,000 | 3,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $175,000 | 2,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $364,000 | 3,525 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,772,000 | 4,162 |
| Total interest expense | $2,966,000 | 3,568 |
| Net interest income | $3,806,000 | 4,507 |
| Provision for loan and lease losses | $230,000 | 4,063 |
| Total noninterest income | $558,000 | 4,917 |
| Gross Fiduciary activities income | $35,000 | 1,187 |
| Service charges on deposit accounts | $404,000 | 3,511 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $119,000 | 6,078 |
| Total noninterest expense | $2,326,000 | 5,337 |
| Salaries and employee benefits | $1,375,000 | 5,004 |
| Premises and equipment expense | $307,000 | 5,494 |
| Additional noninterest expense | $644,000 | 5,686 |
| Pre-tax net operating income | $1,808,000 | 3,649 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $536,000 | 3,325 |
| Income before extraordinary items | $1,272,000 | 3,936 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,272,000 | 3,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $373,000 | 2,045 |
| Cash dividends | $804,000 | 2,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,272,000 | 3,836 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,692,000 | 4,155 |
| Total interest expense | $4,136,000 | 3,696 |
| Net interest income | $3,556,000 | 4,506 |
| Provision for loan and lease losses | $460,000 | 2,354 |
| Total noninterest income | $619,000 | 4,514 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $416,000 | 3,279 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $203,000 | 4,899 |
| Total noninterest expense | $2,179,000 | 5,416 |
| Salaries and employee benefits | $1,276,000 | 5,097 |
| Premises and equipment expense | $301,000 | 5,503 |
| Additional noninterest expense | $602,000 | 5,826 |
| Pre-tax net operating income | $1,536,000 | 3,792 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $450,000 | 3,496 |
| Income before extraordinary items | $1,086,000 | 4,065 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,086,000 | 4,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 2,035 |
| Cash dividends | $1,207,000 | 1,958 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,086,000 | 3,938 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,157,000 | 4,497 |
| Total interest expense | $3,812,000 | 4,140 |
| Net interest income | $3,345,000 | 4,775 |
| Provision for loan and lease losses | $210,000 | 3,626 |
| Total noninterest income | $567,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $383,000 | 3,361 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $184,000 | 4,974 |
| Total noninterest expense | $2,046,000 | 5,596 |
| Salaries and employee benefits | $1,150,000 | 5,387 |
| Premises and equipment expense | $272,000 | 5,750 |
| Additional noninterest expense | $624,000 | 5,633 |
| Pre-tax net operating income | $1,656,000 | 3,785 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $455,000 | 3,707 |
| Income before extraordinary items | $1,201,000 | 3,862 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,201,000 | 3,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,408 |
| Cash dividends | $141,000 | 5,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,201,000 | 3,851 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,123,000 | 4,876 |
| Total interest expense | $3,196,000 | 4,355 |
| Net interest income | $2,927,000 | 5,258 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $467,000 | 5,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $321,000 | 3,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 5,673 |
| Total noninterest expense | $1,751,000 | 6,175 |
| Salaries and employee benefits | $984,000 | 5,959 |
| Premises and equipment expense | $251,000 | 6,029 |
| Additional noninterest expense | $516,000 | 6,393 |
| Pre-tax net operating income | $1,403,000 | 4,289 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $394,000 | 4,214 |
| Income before extraordinary items | $1,009,000 | 4,411 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,009,000 | 4,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,890 |
| Cash dividends | $185,000 | 5,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,009,000 | 4,376 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,923,000 | 5,050 |
| Total interest expense | $3,035,000 | 4,680 |
| Net interest income | $2,888,000 | 5,275 |
| Provision for loan and lease losses | $390,000 | 2,106 |
| Total noninterest income | $464,000 | 5,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $339,000 | 3,570 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,108 |
| Total noninterest expense | $1,674,000 | 6,276 |
| Salaries and employee benefits | $943,000 | 6,016 |
| Premises and equipment expense | $256,000 | 5,883 |
| Additional noninterest expense | $475,000 | 6,610 |
| Pre-tax net operating income | $1,288,000 | 4,656 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $354,000 | 4,736 |
| Income before extraordinary items | $934,000 | 4,707 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $934,000 | 4,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $591,000 | 1,099 |
| Cash dividends | $729,000 | 2,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $934,000 | 4,625 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,640,000 | 5,302 |
| Total interest expense | $2,911,000 | 4,840 |
| Net interest income | $2,729,000 | 5,704 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $370,000 | 5,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,518 |
| Total noninterest expense | $1,631,000 | 6,468 |
| Salaries and employee benefits | $921,000 | 6,184 |
| Premises and equipment expense | $255,000 | 5,987 |
| Additional noninterest expense | $455,000 | 6,882 |
| Pre-tax net operating income | $1,268,000 | 5,058 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $354,000 | 5,265 |
| Income before extraordinary items | $914,000 | 5,003 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $914,000 | 5,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,139 |
| Cash dividends | $90,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $914,000 | 4,943 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,456,000 | 5,560 |
| Total interest expense | $2,834,000 | 5,019 |
| Net interest income | $2,622,000 | 6,008 |
| Provision for loan and lease losses | $260,000 | 2,872 |
| Total noninterest income | $324,000 | 6,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,041 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 7,466 |
| Total noninterest expense | $1,454,000 | 7,242 |
| Salaries and employee benefits | $839,000 | 6,778 |
| Premises and equipment expense | $206,000 | 6,929 |
| Additional noninterest expense | $409,000 | 7,805 |
| Pre-tax net operating income | $1,232,000 | 5,031 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $342,000 | 5,408 |
| Income before extraordinary items | $890,000 | 4,912 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $890,000 | 4,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,962 |
| Cash dividends | $80,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $890,000 | 4,857 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,157,000 | 5,854 |
| Total interest expense | $2,652,000 | 5,307 |
| Net interest income | $2,505,000 | 6,312 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $309,000 | 6,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,238 |
| Total noninterest expense | $1,460,000 | 7,401 |
| Salaries and employee benefits | $797,000 | 7,112 |
| Premises and equipment expense | $198,000 | 7,235 |
| Additional noninterest expense | $465,000 | 7,559 |
| Pre-tax net operating income | $1,229,000 | 5,168 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $342,000 | 5,536 |
| Income before extraordinary items | $887,000 | 5,046 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $887,000 | 5,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,774 |
| Cash dividends | $70,000 | 7,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $887,000 | 5,039 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,570,000 | 6,075 |
| Total interest expense | $2,153,000 | 5,271 |
| Net interest income | $2,417,000 | 6,629 |
| Provision for loan and lease losses | $95,000 | 4,682 |
| Total noninterest income | $279,000 | 7,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 8,528 |
| Total noninterest expense | $1,417,000 | 7,860 |
| Salaries and employee benefits | $759,000 | 7,452 |
| Premises and equipment expense | $182,000 | 7,818 |
| Additional noninterest expense | $476,000 | 8,089 |
| Pre-tax net operating income | $1,184,000 | 5,284 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $342,000 | 5,361 |
| Income before extraordinary items | $842,000 | 5,160 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $842,000 | 5,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,684 |
| Cash dividends | $65,000 | 7,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $842,000 | 5,216 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,222,000 | 6,607 |
| Total interest expense | $2,046,000 | 5,721 |
| Net interest income | $2,176,000 | 7,243 |
| Provision for loan and lease losses | $110,000 | 5,504 |
| Total noninterest income | $251,000 | 8,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $1,327,000 | 8,420 |
| Salaries and employee benefits | $683,000 | 8,112 |
| Premises and equipment expense | $162,000 | 8,585 |
| Additional noninterest expense | $482,000 | 8,408 |
| Pre-tax net operating income | $990,000 | 5,920 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $294,000 | 6,154 |
| Income before extraordinary items | $696,000 | 6,140 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $696,000 | 6,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $60,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $696,000 | 5,864 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,259,000 | 7,174 |
| Total interest expense | $2,308,000 | 6,385 |
| Net interest income | $1,951,000 | 7,892 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $191,000 | 9,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,916 |
| Total noninterest expense | $1,049,000 | 9,750 |
| Salaries and employee benefits | $526,000 | 9,525 |
| Premises and equipment expense | $109,000 | 10,409 |
| Additional noninterest expense | $414,000 | 9,404 |
| Pre-tax net operating income | $895,000 | 6,121 |
| Securities gains (losses) | $-14,000 | 13,390 |
| Applicable income taxes | $242,000 | 6,787 |
| Income before extraordinary items | $637,000 | 6,315 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $637,000 | 6,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-116,000 | 13,760 |
| Cash dividends | $55,000 | 7,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $647,220 | 5,896 |
* 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.