Home > Royal American Bank > Income and Expense
Royal American Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $17,460,000 | 1,111 |
| Total interest expense | $6,298,000 | 1,243 |
| Net interest income | $11,162,000 | 1,019 |
| Provision for loan and lease losses | $378,000 | 1,214 |
| Total noninterest income | $1,660,000 | 1,499 |
| Gross Fiduciary activities income | $537,000 | 383 |
| Service charges on deposit accounts | $393,000 | 2,128 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $730,000 | 1,710 |
| Total noninterest expense | $6,357,000 | 1,419 |
| Salaries and employee benefits | $3,985,000 | 1,247 |
| Premises and equipment expense | $496,000 | 2,487 |
| Additional noninterest expense | $1,876,000 | 1,425 |
| Pre-tax net operating income | $6,087,000 | 848 |
| Securities gains (losses) | $-485,000 | 8,699 |
| Applicable income taxes | $2,074,000 | 775 |
| Income before extraordinary items | $3,528,000 | 1,087 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,528,000 | 1,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,838,400 | 991 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,339,000 | 1,132 |
| Total interest expense | $2,967,000 | 1,257 |
| Net interest income | $5,372,000 | 1,054 |
| Provision for loan and lease losses | $189,000 | 1,200 |
| Total noninterest income | $806,000 | 1,503 |
| Gross Fiduciary activities income | $266,000 | 388 |
| Service charges on deposit accounts | $194,000 | 2,102 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $346,000 | 1,741 |
| Total noninterest expense | $3,442,000 | 1,324 |
| Salaries and employee benefits | $2,330,000 | 1,054 |
| Premises and equipment expense | $263,000 | 2,370 |
| Additional noninterest expense | $849,000 | 1,543 |
| Pre-tax net operating income | $2,547,000 | 983 |
| Securities gains (losses) | $-18,000 | 8,357 |
| Applicable income taxes | $918,000 | 845 |
| Income before extraordinary items | $1,611,000 | 1,161 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,611,000 | 1,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,900 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,622,520 | 1,134 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,114,000 | 1,183 |
| Total interest expense | $8,789,000 | 1,291 |
| Net interest income | $19,325,000 | 1,122 |
| Provision for loan and lease losses | $789,000 | 1,284 |
| Total noninterest income | $3,178,000 | 1,533 |
| Gross Fiduciary activities income | $928,000 | 410 |
| Service charges on deposit accounts | $794,000 | 2,120 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,456,000 | 1,703 |
| Total noninterest expense | $12,854,000 | 1,345 |
| Salaries and employee benefits | $8,367,000 | 1,108 |
| Premises and equipment expense | $966,000 | 2,446 |
| Additional noninterest expense | $3,521,000 | 1,452 |
| Pre-tax net operating income | $8,860,000 | 1,091 |
| Securities gains (losses) | $-38,000 | 8,084 |
| Applicable income taxes | $3,246,000 | 912 |
| Income before extraordinary items | $5,576,000 | 1,286 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,576,000 | 1,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,318 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,600,320 | 1,258 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,815,000 | 1,228 |
| Total interest expense | $5,882,000 | 1,368 |
| Net interest income | $13,933,000 | 1,149 |
| Provision for loan and lease losses | $567,000 | 1,254 |
| Total noninterest income | $2,350,000 | 1,548 |
| Gross Fiduciary activities income | $664,000 | 416 |
| Service charges on deposit accounts | $593,000 | 2,120 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,093,000 | 1,703 |
| Total noninterest expense | $9,181,000 | 1,385 |
| Salaries and employee benefits | $5,929,000 | 1,159 |
| Premises and equipment expense | $709,000 | 2,481 |
| Additional noninterest expense | $2,543,000 | 1,479 |
| Pre-tax net operating income | $6,535,000 | 1,098 |
| Securities gains (losses) | $-38,000 | 8,393 |
| Applicable income taxes | $2,391,000 | 941 |
| Income before extraordinary items | $4,106,000 | 1,320 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,106,000 | 1,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,130,320 | 1,286 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,443,000 | 1,265 |
| Total interest expense | $3,398,000 | 1,480 |
| Net interest income | $9,045,000 | 1,170 |
| Provision for loan and lease losses | $378,000 | 1,244 |
| Total noninterest income | $1,563,000 | 1,540 |
| Gross Fiduciary activities income | $440,000 | 419 |
| Service charges on deposit accounts | $393,000 | 2,095 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $730,000 | 1,687 |
| Total noninterest expense | $6,047,000 | 1,409 |
| Salaries and employee benefits | $3,916,000 | 1,164 |
| Premises and equipment expense | $453,000 | 2,561 |
| Additional noninterest expense | $1,678,000 | 1,491 |
| Pre-tax net operating income | $4,183,000 | 1,118 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,540,000 | 929 |
| Income before extraordinary items | $2,643,000 | 1,331 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,643,000 | 1,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,643,000 | 1,309 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,870,000 | 1,310 |
| Total interest expense | $1,439,000 | 1,665 |
| Net interest income | $4,431,000 | 1,185 |
| Provision for loan and lease losses | $189,000 | 1,178 |
| Total noninterest income | $683,000 | 1,684 |
| Gross Fiduciary activities income | $219,000 | 422 |
| Service charges on deposit accounts | $200,000 | 2,002 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $264,000 | 2,066 |
| Total noninterest expense | $2,918,000 | 1,456 |
| Salaries and employee benefits | $1,945,000 | 1,177 |
| Premises and equipment expense | $215,000 | 2,693 |
| Additional noninterest expense | $758,000 | 1,627 |
| Pre-tax net operating income | $2,007,000 | 1,150 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $745,000 | 956 |
| Income before extraordinary items | $1,262,000 | 1,367 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,262,000 | 1,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,262,000 | 1,336 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,785,000 | 1,539 |
| Total interest expense | $3,659,000 | 2,214 |
| Net interest income | $15,126,000 | 1,340 |
| Provision for loan and lease losses | $550,000 | 1,804 |
| Total noninterest income | $2,618,000 | 1,795 |
| Gross Fiduciary activities income | $767,000 | 432 |
| Service charges on deposit accounts | $805,000 | 2,128 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,046,000 | 2,082 |
| Total noninterest expense | $10,279,000 | 1,588 |
| Salaries and employee benefits | $6,526,000 | 1,353 |
| Premises and equipment expense | $896,000 | 2,530 |
| Additional noninterest expense | $2,857,000 | 1,712 |
| Pre-tax net operating income | $6,915,000 | 1,253 |
| Securities gains (losses) | $168,000 | 920 |
| Applicable income taxes | $2,565,000 | 1,023 |
| Income before extraordinary items | $4,518,000 | 1,426 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,518,000 | 1,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,410,480 | 1,417 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,337,000 | 1,602 |
| Total interest expense | $2,534,000 | 2,329 |
| Net interest income | $10,803,000 | 1,382 |
| Provision for loan and lease losses | $350,000 | 2,001 |
| Total noninterest income | $1,934,000 | 1,830 |
| Gross Fiduciary activities income | $555,000 | 448 |
| Service charges on deposit accounts | $604,000 | 2,154 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $775,000 | 2,120 |
| Total noninterest expense | $7,647,000 | 1,589 |
| Salaries and employee benefits | $4,864,000 | 1,359 |
| Premises and equipment expense | $679,000 | 2,493 |
| Additional noninterest expense | $2,104,000 | 1,710 |
| Pre-tax net operating income | $4,740,000 | 1,371 |
| Securities gains (losses) | $-7,000 | 8,426 |
| Applicable income taxes | $1,730,000 | 1,139 |
| Income before extraordinary items | $3,003,000 | 1,620 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,003,000 | 1,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,007,480 | 1,564 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,519,000 | 1,653 |
| Total interest expense | $1,614,000 | 2,404 |
| Net interest income | $6,905,000 | 1,438 |
| Provision for loan and lease losses | $250,000 | 1,820 |
| Total noninterest income | $1,256,000 | 1,854 |
| Gross Fiduciary activities income | $368,000 | 446 |
| Service charges on deposit accounts | $387,000 | 2,211 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $501,000 | 2,185 |
| Total noninterest expense | $5,065,000 | 1,597 |
| Salaries and employee benefits | $3,263,000 | 1,338 |
| Premises and equipment expense | $468,000 | 2,414 |
| Additional noninterest expense | $1,334,000 | 1,795 |
| Pre-tax net operating income | $2,846,000 | 1,494 |
| Securities gains (losses) | $14,000 | 2,233 |
| Applicable income taxes | $1,056,000 | 1,226 |
| Income before extraordinary items | $1,804,000 | 1,765 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,804,000 | 1,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,795,040 | 1,714 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,199,000 | 1,681 |
| Total interest expense | $811,000 | 2,411 |
| Net interest income | $3,388,000 | 1,471 |
| Provision for loan and lease losses | $100,000 | 2,105 |
| Total noninterest income | $563,000 | 1,985 |
| Gross Fiduciary activities income | $181,000 | 460 |
| Service charges on deposit accounts | $180,000 | 2,287 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $202,000 | 2,464 |
| Total noninterest expense | $2,491,000 | 1,634 |
| Salaries and employee benefits | $1,569,000 | 1,415 |
| Premises and equipment expense | $252,000 | 2,288 |
| Additional noninterest expense | $670,000 | 1,775 |
| Pre-tax net operating income | $1,360,000 | 1,524 |
| Securities gains (losses) | $14,000 | 1,880 |
| Applicable income taxes | $509,000 | 1,275 |
| Income before extraordinary items | $865,000 | 1,814 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $865,000 | 1,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $856,040 | 1,743 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,329,000 | 1,743 |
| Total interest expense | $2,927,000 | 2,934 |
| Net interest income | $13,402,000 | 1,446 |
| Provision for loan and lease losses | $600,000 | 1,837 |
| Total noninterest income | $2,621,000 | 1,873 |
| Gross Fiduciary activities income | $586,000 | 509 |
| Service charges on deposit accounts | $662,000 | 2,481 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,373,000 | 1,941 |
| Total noninterest expense | $9,472,000 | 1,692 |
| Salaries and employee benefits | $6,113,000 | 1,405 |
| Premises and equipment expense | $816,000 | 2,710 |
| Additional noninterest expense | $2,543,000 | 1,892 |
| Pre-tax net operating income | $5,951,000 | 1,390 |
| Securities gains (losses) | $162,000 | 1,492 |
| Applicable income taxes | $2,282,000 | 1,158 |
| Income before extraordinary items | $3,831,000 | 1,621 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,831,000 | 1,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,727,320 | 1,587 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,183,000 | 1,783 |
| Total interest expense | $2,156,000 | 3,081 |
| Net interest income | $10,027,000 | 1,468 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $1,789,000 | 2,075 |
| Gross Fiduciary activities income | $390,000 | 553 |
| Service charges on deposit accounts | $491,000 | 2,509 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $908,000 | 2,188 |
| Total noninterest expense | $6,954,000 | 1,733 |
| Salaries and employee benefits | $4,578,000 | 1,413 |
| Premises and equipment expense | $603,000 | 2,759 |
| Additional noninterest expense | $1,773,000 | 2,019 |
| Pre-tax net operating income | $4,412,000 | 1,456 |
| Securities gains (losses) | $85,000 | 1,886 |
| Applicable income taxes | $1,683,000 | 1,220 |
| Income before extraordinary items | $2,814,000 | 1,714 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,814,000 | 1,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,759,600 | 1,643 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,924,000 | 1,850 |
| Total interest expense | $1,436,000 | 3,184 |
| Net interest income | $6,488,000 | 1,506 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $1,108,000 | 2,186 |
| Gross Fiduciary activities income | $242,000 | 578 |
| Service charges on deposit accounts | $307,000 | 2,603 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $559,000 | 2,278 |
| Total noninterest expense | $4,524,000 | 1,757 |
| Salaries and employee benefits | $3,025,000 | 1,426 |
| Premises and equipment expense | $387,000 | 2,851 |
| Additional noninterest expense | $1,112,000 | 2,149 |
| Pre-tax net operating income | $2,772,000 | 1,513 |
| Securities gains (losses) | $64,000 | 1,848 |
| Applicable income taxes | $1,054,000 | 1,315 |
| Income before extraordinary items | $1,782,000 | 1,803 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,782,000 | 1,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,741,040 | 1,728 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,859,000 | 1,908 |
| Total interest expense | $724,000 | 3,218 |
| Net interest income | $3,135,000 | 1,555 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $531,000 | 2,189 |
| Gross Fiduciary activities income | $120,000 | 588 |
| Service charges on deposit accounts | $136,000 | 2,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $275,000 | 2,235 |
| Total noninterest expense | $2,197,000 | 1,784 |
| Salaries and employee benefits | $1,478,000 | 1,449 |
| Premises and equipment expense | $190,000 | 2,882 |
| Additional noninterest expense | $529,000 | 2,214 |
| Pre-tax net operating income | $1,319,000 | 1,593 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $482,000 | 1,416 |
| Income before extraordinary items | $837,000 | 1,893 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $837,000 | 1,892 |
| 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 | $0 | 419 |
| Net operating income | $837,000 | 1,786 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,214,000 | 2,019 |
| Total interest expense | $3,340,000 | 3,233 |
| Net interest income | $11,874,000 | 1,633 |
| Provision for loan and lease losses | $525,000 | 2,307 |
| Total noninterest income | $1,994,000 | 2,135 |
| Gross Fiduciary activities income | $416,000 | 639 |
| Service charges on deposit accounts | $507,000 | 2,939 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,071,000 | 2,078 |
| Total noninterest expense | $8,363,000 | 1,812 |
| Salaries and employee benefits | $5,439,000 | 1,493 |
| Premises and equipment expense | $818,000 | 2,634 |
| Additional noninterest expense | $2,106,000 | 2,202 |
| Pre-tax net operating income | $4,980,000 | 1,636 |
| Securities gains (losses) | $289,000 | 920 |
| Applicable income taxes | $1,966,000 | 1,308 |
| Income before extraordinary items | $3,303,000 | 1,814 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,303,000 | 1,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,118,040 | 1,863 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,253,000 | 2,233 |
| Total interest expense | $4,910,000 | 3,197 |
| Net interest income | $10,343,000 | 1,728 |
| Provision for loan and lease losses | $400,000 | 2,609 |
| Total noninterest income | $1,706,000 | 2,287 |
| Gross Fiduciary activities income | $432,000 | 640 |
| Service charges on deposit accounts | $309,000 | 4,083 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $965,000 | 2,092 |
| Total noninterest expense | $6,997,000 | 2,054 |
| Salaries and employee benefits | $4,590,000 | 1,632 |
| Premises and equipment expense | $682,000 | 3,015 |
| Additional noninterest expense | $1,725,000 | 2,565 |
| Pre-tax net operating income | $4,652,000 | 1,551 |
| Securities gains (losses) | $66,000 | 2,098 |
| Applicable income taxes | $1,845,000 | 1,264 |
| Income before extraordinary items | $2,873,000 | 1,825 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,873,000 | 1,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,830,760 | 1,790 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,991,000 | 2,079 |
| Total interest expense | $8,111,000 | 2,117 |
| Net interest income | $8,880,000 | 1,991 |
| Provision for loan and lease losses | $350,000 | 2,565 |
| Total noninterest income | $1,198,000 | 2,763 |
| Gross Fiduciary activities income | $310,000 | 714 |
| Service charges on deposit accounts | $188,000 | 5,261 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $700,000 | 2,360 |
| Total noninterest expense | $5,711,000 | 2,395 |
| Salaries and employee benefits | $3,547,000 | 2,007 |
| Premises and equipment expense | $601,000 | 3,271 |
| Additional noninterest expense | $1,563,000 | 2,710 |
| Pre-tax net operating income | $4,017,000 | 1,817 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,499,000 | 1,518 |
| Income before extraordinary items | $2,518,000 | 2,070 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,518,000 | 2,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,518,000 | 2,068 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,577,000 | 2,796 |
| Total interest expense | $4,387,000 | 3,319 |
| Net interest income | $7,190,000 | 2,451 |
| Provision for loan and lease losses | $250,000 | 3,042 |
| Total noninterest income | $966,000 | 3,174 |
| Gross Fiduciary activities income | $86,000 | 1,017 |
| Service charges on deposit accounts | $132,000 | 6,147 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $748,000 | 2,261 |
| Total noninterest expense | $4,606,000 | 2,927 |
| Salaries and employee benefits | $2,928,000 | 2,395 |
| Premises and equipment expense | $469,000 | 3,993 |
| Additional noninterest expense | $1,209,000 | 3,410 |
| Pre-tax net operating income | $3,300,000 | 2,218 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,325,000 | 1,757 |
| Income before extraordinary items | $1,975,000 | 2,620 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,975,000 | 2,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,975,000 | 2,587 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,397,000 | 3,106 |
| Total interest expense | $4,060,000 | 3,639 |
| Net interest income | $6,337,000 | 2,713 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $968,000 | 3,160 |
| Gross Fiduciary activities income | $2,000 | 1,363 |
| Service charges on deposit accounts | $144,000 | 6,032 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $822,000 | 2,131 |
| Total noninterest expense | $4,222,000 | 3,078 |
| Salaries and employee benefits | $2,655,000 | 2,541 |
| Premises and equipment expense | $495,000 | 3,742 |
| Additional noninterest expense | $1,072,000 | 3,715 |
| Pre-tax net operating income | $2,903,000 | 2,458 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,151,000 | 2,065 |
| Income before extraordinary items | $1,752,000 | 2,853 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,752,000 | 2,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $625,000 | 3,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,752,000 | 2,771 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,617,000 | 3,714 |
| Total interest expense | $3,046,000 | 4,651 |
| Net interest income | $5,571,000 | 3,144 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $828,000 | 3,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 6,965 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $717,000 | 2,186 |
| Total noninterest expense | $3,647,000 | 3,480 |
| Salaries and employee benefits | $2,233,000 | 2,969 |
| Premises and equipment expense | $403,000 | 4,432 |
| Additional noninterest expense | $1,011,000 | 3,861 |
| Pre-tax net operating income | $2,452,000 | 2,960 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $977,000 | 2,480 |
| Income before extraordinary items | $1,475,000 | 3,413 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,475,000 | 3,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,475,000 | 3,336 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,223,000 | 5,046 |
| Total interest expense | $1,957,000 | 6,501 |
| Net interest income | $4,266,000 | 4,067 |
| Provision for loan and lease losses | $325,000 | 2,425 |
| Total noninterest income | $673,000 | 4,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 6,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $526,000 | 2,822 |
| Total noninterest expense | $2,884,000 | 4,427 |
| Salaries and employee benefits | $1,820,000 | 3,633 |
| Premises and equipment expense | $303,000 | 5,560 |
| Additional noninterest expense | $761,000 | 5,400 |
| Pre-tax net operating income | $1,730,000 | 3,848 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $694,000 | 3,200 |
| Income before extraordinary items | $1,036,000 | 4,351 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,036,000 | 4,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,036,000 | 4,301 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,958,000 | 6,029 |
| Total interest expense | $1,555,000 | 7,544 |
| Net interest income | $3,403,000 | 4,980 |
| Provision for loan and lease losses | $368,000 | 1,982 |
| Total noninterest income | $729,000 | 3,959 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $542,000 | 2,723 |
| Total noninterest expense | $2,435,000 | 5,113 |
| Salaries and employee benefits | $1,455,000 | 4,405 |
| Premises and equipment expense | $307,000 | 5,528 |
| Additional noninterest expense | $673,000 | 6,042 |
| Pre-tax net operating income | $1,329,000 | 4,880 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $521,000 | 4,063 |
| Income before extraordinary items | $808,000 | 5,412 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $808,000 | 5,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $808,000 | 5,380 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 7,891 |
| Total interest expense | $803,000 | 9,591 |
| Net interest income | $2,293,000 | 6,873 |
| Provision for loan and lease losses | $115,000 | 4,257 |
| Total noninterest income | $338,000 | 6,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,122 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 4,715 |
| Total noninterest expense | $1,839,000 | 6,593 |
| Salaries and employee benefits | $1,074,000 | 5,755 |
| Premises and equipment expense | $268,000 | 6,210 |
| Additional noninterest expense | $497,000 | 7,873 |
| Pre-tax net operating income | $677,000 | 7,545 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $282,000 | 6,098 |
| Income before extraordinary items | $395,000 | 8,235 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $395,000 | 8,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $395,000 | 8,281 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,986,000 | 10,211 |
| Total interest expense | $529,000 | 11,541 |
| Net interest income | $1,457,000 | 9,249 |
| Provision for loan and lease losses | $59,000 | 7,168 |
| Total noninterest income | $327,000 | 7,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 10,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $300,000 | 4,467 |
| Total noninterest expense | $1,479,000 | 7,898 |
| Salaries and employee benefits | $809,000 | 7,265 |
| Premises and equipment expense | $250,000 | 6,673 |
| Additional noninterest expense | $420,000 | 9,039 |
| Pre-tax net operating income | $246,000 | 10,648 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $36,000 | 11,244 |
| Income before extraordinary items | $210,000 | 10,530 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $210,000 | 10,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 347 |
| Net operating income | $210,000 | 10,298 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 11,968 |
| Total interest expense | $409,000 | 13,148 |
| Net interest income | $1,092,000 | 10,723 |
| Provision for loan and lease losses | $153,000 | 6,027 |
| Total noninterest income | $306,000 | 7,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $292,000 | 4,505 |
| Total noninterest expense | $1,234,000 | 8,902 |
| Salaries and employee benefits | $642,000 | 8,437 |
| Premises and equipment expense | $221,000 | 7,368 |
| Additional noninterest expense | $371,000 | 9,932 |
| Pre-tax net operating income | $11,000 | 12,639 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $4,000 | 12,540 |
| Income before extraordinary items | $7,000 | 12,854 |
| Extraordinary gains, net | $4,000 | 1,393 |
| Net income | $11,000 | 12,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $7,000 | 12,618 |
* 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.