Home > Rancho Bank > Income and Expense
Rancho Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,004,000 | 2,647 |
| Total interest expense | $1,109,000 | 4,952 |
| Net interest income | $5,895,000 | 1,985 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $389,000 | 4,106 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $222,000 | 3,316 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $167,000 | 4,099 |
| Total noninterest expense | $4,106,000 | 2,151 |
| Salaries and employee benefits | $2,082,000 | 2,362 |
| Premises and equipment expense | $718,000 | 1,765 |
| Additional noninterest expense | $1,306,000 | 2,008 |
| Pre-tax net operating income | $2,178,000 | 2,170 |
| Securities gains (losses) | $-22,000 | 8,110 |
| Applicable income taxes | $721,000 | 1,812 |
| Income before extraordinary items | $1,435,000 | 2,425 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,435,000 | 2,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,181 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 765 |
| Net operating income | $1,449,740 | 2,391 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,504,000 | 2,613 |
| Total interest expense | $518,000 | 5,010 |
| Net interest income | $2,986,000 | 1,939 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $199,000 | 3,996 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $113,000 | 3,198 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $86,000 | 3,983 |
| Total noninterest expense | $2,151,000 | 2,055 |
| Salaries and employee benefits | $1,116,000 | 2,209 |
| Premises and equipment expense | $350,000 | 1,806 |
| Additional noninterest expense | $685,000 | 1,909 |
| Pre-tax net operating income | $1,034,000 | 2,225 |
| Securities gains (losses) | $-22,000 | 8,401 |
| Applicable income taxes | $336,000 | 1,872 |
| Income before extraordinary items | $676,000 | 2,512 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $676,000 | 2,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 514 |
| Net operating income | $690,740 | 2,447 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,585,000 | 2,428 |
| Total interest expense | $1,686,000 | 4,941 |
| Net interest income | $11,899,000 | 1,849 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $785,000 | 4,084 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $455,000 | 3,251 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $330,000 | 4,132 |
| Total noninterest expense | $8,367,000 | 1,996 |
| Salaries and employee benefits | $4,386,000 | 2,101 |
| Premises and equipment expense | $1,391,000 | 1,740 |
| Additional noninterest expense | $2,590,000 | 1,953 |
| Pre-tax net operating income | $4,317,000 | 2,102 |
| Securities gains (losses) | $-496,000 | 8,700 |
| Applicable income taxes | $1,220,000 | 1,983 |
| Income before extraordinary items | $2,601,000 | 2,518 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,601,000 | 2,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,068 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 719 |
| Net operating income | $2,938,280 | 2,250 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,974,000 | 2,424 |
| Total interest expense | $1,221,000 | 4,893 |
| Net interest income | $8,753,000 | 1,873 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $598,000 | 4,054 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $347,000 | 3,233 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $251,000 | 4,130 |
| Total noninterest expense | $6,137,000 | 2,020 |
| Salaries and employee benefits | $3,155,000 | 2,160 |
| Premises and equipment expense | $1,057,000 | 1,724 |
| Additional noninterest expense | $1,925,000 | 1,932 |
| Pre-tax net operating income | $3,214,000 | 2,118 |
| Securities gains (losses) | $-450,000 | 8,781 |
| Applicable income taxes | $888,000 | 2,048 |
| Income before extraordinary items | $1,876,000 | 2,609 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,876,000 | 2,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,879 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 601 |
| Net operating income | $2,182,000 | 2,299 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,489,000 | 2,424 |
| Total interest expense | $797,000 | 4,792 |
| Net interest income | $5,692,000 | 1,906 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $396,000 | 4,074 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $239,000 | 3,102 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $157,000 | 4,215 |
| Total noninterest expense | $4,149,000 | 1,983 |
| Salaries and employee benefits | $2,098,000 | 2,153 |
| Premises and equipment expense | $693,000 | 1,727 |
| Additional noninterest expense | $1,358,000 | 1,824 |
| Pre-tax net operating income | $1,879,000 | 2,292 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $669,000 | 1,849 |
| Income before extraordinary items | $1,210,000 | 2,630 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,210,000 | 2,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,785 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 520 |
| Net operating income | $1,210,000 | 2,591 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,191,000 | 2,419 |
| Total interest expense | $389,000 | 4,766 |
| Net interest income | $2,802,000 | 1,919 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $195,000 | 4,038 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $123,000 | 2,981 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $72,000 | 4,397 |
| Total noninterest expense | $2,140,000 | 1,938 |
| Salaries and employee benefits | $1,112,000 | 2,054 |
| Premises and equipment expense | $351,000 | 1,707 |
| Additional noninterest expense | $677,000 | 1,819 |
| Pre-tax net operating income | $827,000 | 2,507 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $292,000 | 2,012 |
| Income before extraordinary items | $535,000 | 2,889 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $535,000 | 2,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 412 |
| Net operating income | $535,000 | 2,836 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,486,000 | 2,499 |
| Total interest expense | $1,461,000 | 4,593 |
| Net interest income | $10,025,000 | 2,025 |
| Provision for loan and lease losses | $472,000 | 2,060 |
| Total noninterest income | $859,000 | 3,879 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $536,000 | 2,978 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $323,000 | 4,129 |
| Total noninterest expense | $8,269,000 | 1,942 |
| Salaries and employee benefits | $4,052,000 | 2,137 |
| Premises and equipment expense | $1,409,000 | 1,651 |
| Additional noninterest expense | $2,808,000 | 1,738 |
| Pre-tax net operating income | $2,143,000 | 3,356 |
| Securities gains (losses) | $-12,000 | 8,276 |
| Applicable income taxes | $730,000 | 2,687 |
| Income before extraordinary items | $1,401,000 | 3,806 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,401,000 | 3,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,562 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $464,000 | 483 |
| Net operating income | $1,408,920 | 3,732 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,368,000 | 2,524 |
| Total interest expense | $1,089,000 | 4,564 |
| Net interest income | $7,279,000 | 2,081 |
| Provision for loan and lease losses | $408,000 | 1,738 |
| Total noninterest income | $644,000 | 3,911 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $408,000 | 2,966 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $236,000 | 4,178 |
| Total noninterest expense | $6,135,000 | 1,954 |
| Salaries and employee benefits | $2,985,000 | 2,179 |
| Premises and equipment expense | $1,065,000 | 1,640 |
| Additional noninterest expense | $2,085,000 | 1,725 |
| Pre-tax net operating income | $1,380,000 | 3,792 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $482,000 | 2,965 |
| Income before extraordinary items | $903,000 | 4,265 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $903,000 | 4,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,593 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $405,000 | 378 |
| Net operating income | $899,750 | 4,201 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,450,000 | 2,565 |
| Total interest expense | $734,000 | 4,542 |
| Net interest income | $4,716,000 | 2,126 |
| Provision for loan and lease losses | $316,000 | 1,471 |
| Total noninterest income | $442,000 | 3,864 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $285,000 | 2,828 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $157,000 | 4,218 |
| Total noninterest expense | $4,180,000 | 1,912 |
| Salaries and employee benefits | $1,998,000 | 2,175 |
| Premises and equipment expense | $706,000 | 1,635 |
| Additional noninterest expense | $1,476,000 | 1,628 |
| Pre-tax net operating income | $662,000 | 4,584 |
| Securities gains (losses) | $9,000 | 2,475 |
| Applicable income taxes | $226,000 | 3,556 |
| Income before extraordinary items | $445,000 | 5,033 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $445,000 | 5,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 8,775 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $389,000 | 284 |
| Net operating income | $439,060 | 4,984 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,709,000 | 2,575 |
| Total interest expense | $359,000 | 4,635 |
| Net interest income | $2,350,000 | 2,138 |
| Provision for loan and lease losses | $142,000 | 1,602 |
| Total noninterest income | $221,000 | 3,817 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $154,000 | 2,620 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $67,000 | 4,532 |
| Total noninterest expense | $2,036,000 | 1,972 |
| Salaries and employee benefits | $966,000 | 2,263 |
| Premises and equipment expense | $345,000 | 1,693 |
| Additional noninterest expense | $725,000 | 1,639 |
| Pre-tax net operating income | $393,000 | 4,128 |
| Securities gains (losses) | $9,000 | 2,096 |
| Applicable income taxes | $138,000 | 3,239 |
| Income before extraordinary items | $264,000 | 4,611 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $264,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 230 |
| Net operating income | $258,060 | 4,537 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,940,000 | 2,589 |
| Total interest expense | $1,802,000 | 4,347 |
| Net interest income | $9,138,000 | 2,131 |
| Provision for loan and lease losses | $1,550,000 | 797 |
| Total noninterest income | $962,000 | 3,803 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $657,000 | 2,506 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $305,000 | 4,472 |
| Total noninterest expense | $7,092,000 | 2,219 |
| Salaries and employee benefits | $3,519,000 | 2,392 |
| Premises and equipment expense | $1,286,000 | 1,770 |
| Additional noninterest expense | $2,287,000 | 2,108 |
| Pre-tax net operating income | $1,458,000 | 4,197 |
| Securities gains (losses) | $55,000 | 2,425 |
| Applicable income taxes | $465,000 | 3,504 |
| Income before extraordinary items | $1,048,000 | 4,510 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,048,000 | 4,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,794,000 | 599 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $423,000 | 513 |
| Net operating income | $1,010,050 | 4,450 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,159,000 | 2,646 |
| Total interest expense | $1,403,000 | 4,351 |
| Net interest income | $6,756,000 | 2,166 |
| Provision for loan and lease losses | $1,400,000 | 684 |
| Total noninterest income | $724,000 | 3,855 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $498,000 | 2,484 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $226,000 | 4,557 |
| Total noninterest expense | $5,311,000 | 2,220 |
| Salaries and employee benefits | $2,628,000 | 2,413 |
| Premises and equipment expense | $975,000 | 1,756 |
| Additional noninterest expense | $1,708,000 | 2,104 |
| Pre-tax net operating income | $769,000 | 5,254 |
| Securities gains (losses) | $61,000 | 2,145 |
| Applicable income taxes | $285,000 | 4,012 |
| Income before extraordinary items | $545,000 | 5,637 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $545,000 | 5,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,530 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $329,000 | 399 |
| Net operating income | $504,740 | 5,663 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,500,000 | 2,652 |
| Total interest expense | $978,000 | 4,306 |
| Net interest income | $4,522,000 | 2,159 |
| Provision for loan and lease losses | $1,300,000 | 535 |
| Total noninterest income | $489,000 | 3,792 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $338,000 | 2,413 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $151,000 | 4,563 |
| Total noninterest expense | $3,444,000 | 2,281 |
| Salaries and employee benefits | $1,686,000 | 2,486 |
| Premises and equipment expense | $643,000 | 1,769 |
| Additional noninterest expense | $1,115,000 | 2,146 |
| Pre-tax net operating income | $267,000 | 6,725 |
| Securities gains (losses) | $56,000 | 1,935 |
| Applicable income taxes | $118,000 | 4,894 |
| Income before extraordinary items | $205,000 | 6,926 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $205,000 | 6,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,053 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $289,000 | 298 |
| Net operating income | $169,160 | 7,080 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,794,000 | 2,634 |
| Total interest expense | $500,000 | 4,344 |
| Net interest income | $2,294,000 | 2,131 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $249,000 | 3,655 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $169,000 | 2,346 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $80,000 | 4,337 |
| Total noninterest expense | $1,801,000 | 2,179 |
| Salaries and employee benefits | $924,000 | 2,275 |
| Premises and equipment expense | $317,000 | 1,805 |
| Additional noninterest expense | $560,000 | 2,105 |
| Pre-tax net operating income | $592,000 | 3,116 |
| Securities gains (losses) | $44,000 | 1,461 |
| Applicable income taxes | $232,000 | 2,450 |
| Income before extraordinary items | $404,000 | 3,426 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $404,000 | 3,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $189,000 | 192 |
| Net operating income | $375,840 | 3,458 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,840,000 | 2,810 |
| Total interest expense | $2,217,000 | 4,493 |
| Net interest income | $8,623,000 | 2,245 |
| Provision for loan and lease losses | $695,000 | 1,849 |
| Total noninterest income | $1,024,000 | 3,430 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $667,000 | 2,341 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $357,000 | 3,903 |
| Total noninterest expense | $6,964,000 | 2,159 |
| Salaries and employee benefits | $3,555,000 | 2,250 |
| Premises and equipment expense | $1,269,000 | 1,743 |
| Additional noninterest expense | $2,140,000 | 2,169 |
| Pre-tax net operating income | $1,988,000 | 3,441 |
| Securities gains (losses) | $196,000 | 1,189 |
| Applicable income taxes | $723,000 | 2,779 |
| Income before extraordinary items | $1,461,000 | 3,568 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,461,000 | 3,567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $674,000 | 1,332 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 656 |
| Net operating income | $1,329,680 | 3,725 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,473,000 | 3,188 |
| Total interest expense | $3,182,000 | 4,515 |
| Net interest income | $7,291,000 | 2,456 |
| Provision for loan and lease losses | $896,000 | 1,369 |
| Total noninterest income | $1,170,000 | 2,979 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $632,000 | 2,339 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $538,000 | 3,007 |
| Total noninterest expense | $6,009,000 | 2,376 |
| Salaries and employee benefits | $3,078,000 | 2,449 |
| Premises and equipment expense | $1,045,000 | 2,034 |
| Additional noninterest expense | $1,886,000 | 2,368 |
| Pre-tax net operating income | $1,556,000 | 3,758 |
| Securities gains (losses) | $40,000 | 2,572 |
| Applicable income taxes | $481,000 | 3,389 |
| Income before extraordinary items | $1,115,000 | 3,995 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,115,000 | 3,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $476,000 | 1,610 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 751 |
| Net operating income | $1,087,000 | 3,934 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,997,000 | 3,391 |
| Total interest expense | $3,180,000 | 4,705 |
| Net interest income | $6,817,000 | 2,610 |
| Provision for loan and lease losses | $606,000 | 1,594 |
| Total noninterest income | $800,000 | 3,657 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $694,000 | 1,992 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,289 |
| Total noninterest expense | $5,065,000 | 2,685 |
| Salaries and employee benefits | $2,468,000 | 2,859 |
| Premises and equipment expense | $955,000 | 2,158 |
| Additional noninterest expense | $1,642,000 | 2,594 |
| Pre-tax net operating income | $1,946,000 | 3,402 |
| Securities gains (losses) | $-30,000 | 8,946 |
| Applicable income taxes | $605,000 | 3,090 |
| Income before extraordinary items | $1,311,000 | 3,617 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,311,000 | 3,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 1,257 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 804 |
| Net operating income | $1,331,400 | 3,556 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,850,000 | 3,978 |
| Total interest expense | $2,167,000 | 5,702 |
| Net interest income | $5,683,000 | 3,065 |
| Provision for loan and lease losses | $366,000 | 2,246 |
| Total noninterest income | $805,000 | 3,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $707,000 | 1,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 6,696 |
| Total noninterest expense | $4,573,000 | 2,945 |
| Salaries and employee benefits | $2,096,000 | 3,291 |
| Premises and equipment expense | $872,000 | 2,328 |
| Additional noninterest expense | $1,605,000 | 2,693 |
| Pre-tax net operating income | $1,549,000 | 4,000 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $532,000 | 3,499 |
| Income before extraordinary items | $1,016,000 | 4,388 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,016,000 | 4,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,357 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,429,000 | 406 |
| Net operating income | $1,016,660 | 4,354 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,782,000 | 4,510 |
| Total interest expense | $1,924,000 | 6,312 |
| Net interest income | $4,858,000 | 3,501 |
| Provision for loan and lease losses | $125,000 | 4,532 |
| Total noninterest income | $763,000 | 3,749 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,052 |
| Total noninterest expense | $4,259,000 | 3,052 |
| Salaries and employee benefits | $1,978,000 | 3,378 |
| Premises and equipment expense | $823,000 | 2,382 |
| Additional noninterest expense | $1,458,000 | 2,853 |
| Pre-tax net operating income | $1,237,000 | 4,790 |
| Securities gains (losses) | $62,000 | 1,582 |
| Applicable income taxes | $496,000 | 3,856 |
| Income before extraordinary items | $803,000 | 5,185 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $803,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 1,799 |
| Cash dividends | $1,000 | 7,465 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 795 |
| Net operating income | $763,320 | 5,240 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,016,000 | 5,060 |
| Total interest expense | $1,492,000 | 7,364 |
| Net interest income | $4,524,000 | 3,806 |
| Provision for loan and lease losses | $426,000 | 1,997 |
| Total noninterest income | $726,000 | 3,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $629,000 | 2,088 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,866 |
| Total noninterest expense | $3,946,000 | 3,212 |
| Salaries and employee benefits | $1,712,000 | 3,815 |
| Premises and equipment expense | $764,000 | 2,526 |
| Additional noninterest expense | $1,470,000 | 2,781 |
| Pre-tax net operating income | $878,000 | 6,218 |
| Securities gains (losses) | $74,000 | 1,122 |
| Applicable income taxes | $332,000 | 5,461 |
| Income before extraordinary items | $620,000 | 6,247 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $620,000 | 6,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $457,000 | 1,441 |
| Cash dividends | $1,000 | 7,864 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 864 |
| Net operating income | $571,900 | 6,471 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,817,000 | 6,096 |
| Total interest expense | $1,046,000 | 8,863 |
| Net interest income | $3,771,000 | 4,538 |
| Provision for loan and lease losses | $362,000 | 2,241 |
| Total noninterest income | $666,000 | 4,255 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $587,000 | 2,317 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,772 |
| Total noninterest expense | $3,559,000 | 3,720 |
| Salaries and employee benefits | $1,508,000 | 4,284 |
| Premises and equipment expense | $730,000 | 2,680 |
| Additional noninterest expense | $1,321,000 | 3,477 |
| Pre-tax net operating income | $516,000 | 7,848 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $166,000 | 7,640 |
| Income before extraordinary items | $350,000 | 8,002 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $350,000 | 8,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $734,000 | 1,076 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 837 |
| Net operating income | $350,000 | 7,940 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,886,000 | 6,095 |
| Total interest expense | $1,100,000 | 8,903 |
| Net interest income | $3,786,000 | 4,528 |
| Provision for loan and lease losses | $292,000 | 2,340 |
| Total noninterest income | $606,000 | 4,537 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $509,000 | 2,667 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 7,327 |
| Total noninterest expense | $3,591,000 | 3,649 |
| Salaries and employee benefits | $1,479,000 | 4,343 |
| Premises and equipment expense | $777,000 | 2,563 |
| Additional noninterest expense | $1,335,000 | 3,407 |
| Pre-tax net operating income | $509,000 | 8,386 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $227,000 | 6,996 |
| Income before extraordinary items | $282,000 | 9,111 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $282,000 | 9,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,003 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $88,000 | 587 |
| Net operating income | $282,000 | 9,088 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,308,000 | 6,338 |
| Total interest expense | $893,000 | 9,167 |
| Net interest income | $3,415,000 | 5,051 |
| Provision for loan and lease losses | $385,000 | 1,876 |
| Total noninterest income | $664,000 | 4,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $554,000 | 2,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,224 |
| Total noninterest expense | $3,364,000 | 3,982 |
| Salaries and employee benefits | $1,444,000 | 4,426 |
| Premises and equipment expense | $681,000 | 2,884 |
| Additional noninterest expense | $1,239,000 | 3,941 |
| Pre-tax net operating income | $330,000 | 9,909 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $127,000 | 8,774 |
| Income before extraordinary items | $203,000 | 10,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $203,000 | 10,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 1,877 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 821 |
| Net operating income | $203,000 | 10,289 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,889,000 | 7,004 |
| Total interest expense | $888,000 | 9,603 |
| Net interest income | $3,001,000 | 5,654 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $628,000 | 4,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $548,000 | 2,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 8,622 |
| Total noninterest expense | $3,200,000 | 4,265 |
| Salaries and employee benefits | $1,414,000 | 4,511 |
| Premises and equipment expense | $623,000 | 3,208 |
| Additional noninterest expense | $1,163,000 | 4,311 |
| Pre-tax net operating income | $414,000 | 9,300 |
| Securities gains (losses) | $32,000 | 4,013 |
| Applicable income taxes | $184,000 | 7,926 |
| Income before extraordinary items | $262,000 | 9,902 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $262,000 | 10,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 12,848 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $241,520 | 9,895 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,016,000 | 7,485 |
| Total interest expense | $1,078,000 | 10,060 |
| Net interest income | $2,938,000 | 5,810 |
| Provision for loan and lease losses | $288,000 | 4,244 |
| Total noninterest income | $599,000 | 4,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $512,000 | 2,704 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 8,558 |
| Total noninterest expense | $3,230,000 | 4,229 |
| Salaries and employee benefits | $1,369,000 | 4,601 |
| Premises and equipment expense | $706,000 | 2,905 |
| Additional noninterest expense | $1,155,000 | 4,492 |
| Pre-tax net operating income | $19,000 | 12,596 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,000 | 12,604 |
| Income before extraordinary items | $17,000 | 12,790 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $17,000 | 12,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $17,000 | 12,557 |
* 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.