Home > Rural American Bank - Hector/Fairfax > Income and Expense
Rural American Bank - Hector/Fairfax, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,616,000 | 6,627 |
| Total interest expense | $495,000 | 6,863 |
| Net interest income | $1,121,000 | 6,388 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $161,000 | 6,108 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $104,000 | 4,933 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,166 |
| Total noninterest expense | $744,000 | 6,957 |
| Salaries and employee benefits | $443,000 | 6,722 |
| Premises and equipment expense | $88,000 | 7,009 |
| Additional noninterest expense | $213,000 | 6,968 |
| Pre-tax net operating income | $532,000 | 5,273 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $532,000 | 4,731 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $532,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $1,448,000 | 1,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $532,000 | 4,720 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $804,000 | 6,626 |
| Total interest expense | $236,000 | 6,890 |
| Net interest income | $568,000 | 6,372 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $81,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $50,000 | 4,949 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,011 |
| Total noninterest expense | $381,000 | 6,894 |
| Salaries and employee benefits | $228,000 | 6,676 |
| Premises and equipment expense | $46,000 | 6,927 |
| Additional noninterest expense | $107,000 | 6,942 |
| Pre-tax net operating income | $265,000 | 5,241 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $265,000 | 4,722 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $265,000 | 4,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $1,271,000 | 620 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $265,000 | 4,702 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,061,000 | 6,542 |
| Total interest expense | $663,000 | 7,151 |
| Net interest income | $2,398,000 | 6,158 |
| Provision for loan and lease losses | $1,000 | 7,102 |
| Total noninterest income | $318,000 | 6,216 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $214,000 | 4,896 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $104,000 | 6,346 |
| Total noninterest expense | $1,486,000 | 6,912 |
| Salaries and employee benefits | $887,000 | 6,680 |
| Premises and equipment expense | $168,000 | 7,080 |
| Additional noninterest expense | $431,000 | 6,927 |
| Pre-tax net operating income | $1,229,000 | 4,852 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-43,000 | 8,546 |
| Income before extraordinary items | $1,272,000 | 4,203 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,272,000 | 4,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $716,000 | 3,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,272,000 | 4,180 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,239,000 | 6,609 |
| Total interest expense | $449,000 | 7,285 |
| Net interest income | $1,790,000 | 6,204 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $230,000 | 6,314 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $155,000 | 4,997 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $75,000 | 6,410 |
| Total noninterest expense | $1,101,000 | 6,937 |
| Salaries and employee benefits | $653,000 | 6,719 |
| Premises and equipment expense | $128,000 | 7,046 |
| Additional noninterest expense | $320,000 | 6,960 |
| Pre-tax net operating income | $919,000 | 4,984 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-43,000 | 8,674 |
| Income before extraordinary items | $962,000 | 4,274 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $962,000 | 4,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $716,000 | 2,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $962,000 | 4,222 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,451,000 | 6,638 |
| Total interest expense | $264,000 | 7,414 |
| Net interest income | $1,187,000 | 6,222 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $146,000 | 6,387 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $96,000 | 5,125 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $50,000 | 6,409 |
| Total noninterest expense | $715,000 | 7,011 |
| Salaries and employee benefits | $427,000 | 6,766 |
| Premises and equipment expense | $87,000 | 6,993 |
| Additional noninterest expense | $201,000 | 7,081 |
| Pre-tax net operating income | $618,000 | 4,936 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-43,000 | 8,706 |
| Income before extraordinary items | $661,000 | 4,151 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $661,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $716,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $661,000 | 4,099 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $710,000 | 6,715 |
| Total interest expense | $115,000 | 7,634 |
| Net interest income | $595,000 | 6,253 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $71,000 | 6,402 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $45,000 | 5,216 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,409 |
| Total noninterest expense | $367,000 | 7,001 |
| Salaries and employee benefits | $214,000 | 6,822 |
| Premises and equipment expense | $45,000 | 6,980 |
| Additional noninterest expense | $108,000 | 6,948 |
| Pre-tax net operating income | $299,000 | 5,006 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-50,000 | 8,799 |
| Income before extraordinary items | $349,000 | 3,970 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $349,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $716,000 | 895 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $349,000 | 3,922 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,671,000 | 6,743 |
| Total interest expense | $466,000 | 7,430 |
| Net interest income | $2,205,000 | 6,368 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $304,000 | 6,374 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $203,000 | 5,185 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $101,000 | 6,408 |
| Total noninterest expense | $1,411,000 | 7,050 |
| Salaries and employee benefits | $810,000 | 6,892 |
| Premises and equipment expense | $176,000 | 7,018 |
| Additional noninterest expense | $425,000 | 6,988 |
| Pre-tax net operating income | $1,098,000 | 5,000 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $384,000 | 3,785 |
| Income before extraordinary items | $716,000 | 5,525 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $716,000 | 5,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,559 |
| Cash dividends | $713,000 | 2,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $714,700 | 5,450 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,956,000 | 6,810 |
| Total interest expense | $349,000 | 7,458 |
| Net interest income | $1,607,000 | 6,456 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $225,000 | 6,447 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $151,000 | 5,247 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $74,000 | 6,452 |
| Total noninterest expense | $1,067,000 | 7,000 |
| Salaries and employee benefits | $610,000 | 6,858 |
| Premises and equipment expense | $137,000 | 6,933 |
| Additional noninterest expense | $320,000 | 6,941 |
| Pre-tax net operating income | $765,000 | 5,316 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $262,000 | 3,998 |
| Income before extraordinary items | $505,000 | 5,790 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $505,000 | 5,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $713,000 | 2,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $503,680 | 5,729 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,272,000 | 6,912 |
| Total interest expense | $238,000 | 7,483 |
| Net interest income | $1,034,000 | 6,574 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $138,000 | 6,641 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $90,000 | 5,491 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 6,492 |
| Total noninterest expense | $712,000 | 7,040 |
| Salaries and employee benefits | $399,000 | 6,951 |
| Premises and equipment expense | $94,000 | 6,920 |
| Additional noninterest expense | $219,000 | 6,924 |
| Pre-tax net operating income | $460,000 | 5,511 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $154,000 | 4,205 |
| Income before extraordinary items | $308,000 | 5,980 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $308,000 | 5,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $713,000 | 1,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $306,660 | 5,914 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $620,000 | 6,993 |
| Total interest expense | $125,000 | 7,440 |
| Net interest income | $495,000 | 6,711 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $67,000 | 6,667 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $45,000 | 5,435 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $22,000 | 6,653 |
| Total noninterest expense | $357,000 | 7,068 |
| Salaries and employee benefits | $200,000 | 6,988 |
| Premises and equipment expense | $48,000 | 6,879 |
| Additional noninterest expense | $109,000 | 6,935 |
| Pre-tax net operating income | $205,000 | 5,768 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $65,000 | 4,461 |
| Income before extraordinary items | $140,000 | 6,167 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $140,000 | 6,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $713,000 | 902 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $140,000 | 6,059 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,853,000 | 6,688 |
| Total interest expense | $708,000 | 7,013 |
| Net interest income | $2,145,000 | 6,370 |
| Provision for loan and lease losses | $1,000 | 7,629 |
| Total noninterest income | $285,000 | 6,693 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $184,000 | 5,442 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $101,000 | 6,522 |
| Total noninterest expense | $1,400,000 | 7,073 |
| Salaries and employee benefits | $839,000 | 6,777 |
| Premises and equipment expense | $169,000 | 7,147 |
| Additional noninterest expense | $392,000 | 7,209 |
| Pre-tax net operating income | $1,029,000 | 5,100 |
| Securities gains (losses) | $61,000 | 2,329 |
| Applicable income taxes | $377,000 | 3,901 |
| Income before extraordinary items | $713,000 | 5,529 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $713,000 | 5,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $824,000 | 2,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $673,350 | 5,520 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,163,000 | 6,739 |
| Total interest expense | $567,000 | 6,997 |
| Net interest income | $1,596,000 | 6,435 |
| Provision for loan and lease losses | $1,000 | 7,460 |
| Total noninterest income | $208,000 | 6,794 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $133,000 | 5,552 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $75,000 | 6,587 |
| Total noninterest expense | $1,052,000 | 7,073 |
| Salaries and employee benefits | $633,000 | 6,774 |
| Premises and equipment expense | $128,000 | 7,145 |
| Additional noninterest expense | $291,000 | 7,220 |
| Pre-tax net operating income | $751,000 | 5,317 |
| Securities gains (losses) | $61,000 | 2,145 |
| Applicable income taxes | $281,000 | 4,041 |
| Income before extraordinary items | $531,000 | 5,693 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $531,000 | 5,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $824,000 | 1,966 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $491,350 | 5,732 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,468,000 | 6,739 |
| Total interest expense | $402,000 | 6,968 |
| Net interest income | $1,066,000 | 6,447 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $132,000 | 6,884 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $707,000 | 7,056 |
| Salaries and employee benefits | $427,000 | 6,767 |
| Premises and equipment expense | $85,000 | 7,152 |
| Additional noninterest expense | $195,000 | 7,207 |
| Pre-tax net operating income | $491,000 | 5,350 |
| Securities gains (losses) | $61,000 | 1,886 |
| Applicable income taxes | $190,000 | 4,074 |
| Income before extraordinary items | $362,000 | 5,650 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $362,000 | 5,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $824,000 | 1,536 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $321,740 | 5,743 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $737,000 | 6,749 |
| Total interest expense | $211,000 | 6,924 |
| Net interest income | $526,000 | 6,489 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $62,000 | 6,956 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $24,000 | 6,621 |
| Total noninterest expense | $363,000 | 7,025 |
| Salaries and employee benefits | $222,000 | 6,661 |
| Premises and equipment expense | $43,000 | 7,175 |
| Additional noninterest expense | $98,000 | 7,195 |
| Pre-tax net operating income | $225,000 | 5,546 |
| Securities gains (losses) | $61,000 | 1,274 |
| Applicable income taxes | $98,000 | 3,973 |
| Income before extraordinary items | $188,000 | 5,471 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $188,000 | 5,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $824,000 | 805 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $147,740 | 5,874 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,411,000 | 6,424 |
| Total interest expense | $1,164,000 | 6,515 |
| Net interest income | $2,247,000 | 6,248 |
| Provision for loan and lease losses | $-30,000 | 9,211 |
| Total noninterest income | $297,000 | 6,474 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $172,000 | 5,563 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $125,000 | 5,983 |
| Total noninterest expense | $1,375,000 | 7,109 |
| Salaries and employee benefits | $825,000 | 6,794 |
| Premises and equipment expense | $193,000 | 6,844 |
| Additional noninterest expense | $357,000 | 7,428 |
| Pre-tax net operating income | $1,199,000 | 4,715 |
| Securities gains (losses) | $46,000 | 2,486 |
| Applicable income taxes | $420,000 | 3,790 |
| Income before extraordinary items | $825,000 | 5,113 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $825,000 | 5,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 9,029 |
| Cash dividends | $546,000 | 3,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $794,640 | 5,091 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,233,000 | 6,169 |
| Total interest expense | $1,907,000 | 6,251 |
| Net interest income | $2,326,000 | 5,964 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $235,000 | 6,973 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $158,000 | 5,693 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $77,000 | 6,957 |
| Total noninterest expense | $1,563,000 | 6,653 |
| Salaries and employee benefits | $769,000 | 6,912 |
| Premises and equipment expense | $211,000 | 6,642 |
| Additional noninterest expense | $583,000 | 5,948 |
| Pre-tax net operating income | $918,000 | 5,130 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $372,000 | 3,869 |
| Income before extraordinary items | $546,000 | 5,862 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $546,000 | 5,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $1,720,000 | 1,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $546,000 | 5,746 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,682,000 | 5,953 |
| Total interest expense | $2,158,000 | 6,036 |
| Net interest income | $2,524,000 | 5,764 |
| Provision for loan and lease losses | $75,000 | 5,850 |
| Total noninterest income | $279,000 | 6,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 5,729 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 5,869 |
| Total noninterest expense | $1,740,000 | 6,177 |
| Salaries and employee benefits | $869,000 | 6,422 |
| Premises and equipment expense | $217,000 | 6,509 |
| Additional noninterest expense | $654,000 | 5,443 |
| Pre-tax net operating income | $988,000 | 5,284 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $393,000 | 4,008 |
| Income before extraordinary items | $595,000 | 5,874 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $595,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,287 |
| Cash dividends | $756,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $595,000 | 5,887 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,490,000 | 7,918 |
| Total interest expense | $1,040,000 | 8,080 |
| Net interest income | $1,450,000 | 7,685 |
| Provision for loan and lease losses | $11,000 | 8,085 |
| Total noninterest income | $186,000 | 7,653 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 7,576 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,074 |
| Total noninterest expense | $930,000 | 8,333 |
| Salaries and employee benefits | $473,000 | 8,490 |
| Premises and equipment expense | $93,000 | 8,771 |
| Additional noninterest expense | $364,000 | 7,583 |
| Pre-tax net operating income | $696,000 | 6,326 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $223,000 | 5,467 |
| Income before extraordinary items | $473,000 | 6,582 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $473,000 | 6,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $197,000 | 5,293 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,019 |
| Net operating income | $473,000 | 6,556 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,127,000 | 9,732 |
| Total interest expense | $461,000 | 9,781 |
| Net interest income | $666,000 | 9,574 |
| Provision for loan and lease losses | $15,000 | 7,946 |
| Total noninterest income | $40,000 | 9,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,838 |
| Total noninterest expense | $366,000 | 10,134 |
| Salaries and employee benefits | $219,000 | 10,021 |
| Premises and equipment expense | $17,000 | 10,340 |
| Additional noninterest expense | $130,000 | 9,864 |
| Pre-tax net operating income | $325,000 | 8,249 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $127,000 | 7,143 |
| Income before extraordinary items | $198,000 | 8,637 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $198,000 | 8,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $457,000 | 3,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $198,000 | 8,564 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,504,000 | 8,373 |
| Total interest expense | $1,081,000 | 8,459 |
| Net interest income | $1,423,000 | 8,177 |
| Provision for loan and lease losses | $77,000 | 5,729 |
| Total noninterest income | $99,000 | 9,446 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 8,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $771,000 | 9,142 |
| Salaries and employee benefits | $440,000 | 9,014 |
| Premises and equipment expense | $34,000 | 10,554 |
| Additional noninterest expense | $297,000 | 8,349 |
| Pre-tax net operating income | $674,000 | 7,088 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $217,000 | 6,654 |
| Income before extraordinary items | $457,000 | 7,250 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $457,000 | 7,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,455 |
| Cash dividends | $486,000 | 3,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $457,000 | 7,199 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,577,000 | 8,595 |
| Total interest expense | $1,074,000 | 8,776 |
| Net interest income | $1,503,000 | 8,260 |
| Provision for loan and lease losses | $109,000 | 4,905 |
| Total noninterest income | $101,000 | 9,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 8,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $753,000 | 9,616 |
| Salaries and employee benefits | $435,000 | 9,361 |
| Premises and equipment expense | $43,000 | 10,829 |
| Additional noninterest expense | $275,000 | 9,140 |
| Pre-tax net operating income | $742,000 | 6,743 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $260,000 | 6,310 |
| Income before extraordinary items | $486,000 | 6,998 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $486,000 | 7,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,829 |
| Cash dividends | $483,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $483,400 | 6,955 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,621,000 | 8,771 |
| Total interest expense | $1,129,000 | 8,812 |
| Net interest income | $1,492,000 | 8,558 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $100,000 | 10,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 8,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,923 |
| Total noninterest expense | $786,000 | 9,829 |
| Salaries and employee benefits | $438,000 | 9,631 |
| Premises and equipment expense | $46,000 | 11,193 |
| Additional noninterest expense | $302,000 | 9,224 |
| Pre-tax net operating income | $764,000 | 6,983 |
| Securities gains (losses) | $-15,000 | 10,368 |
| Applicable income taxes | $266,000 | 6,426 |
| Income before extraordinary items | $483,000 | 7,378 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $483,000 | 7,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $358,000 | 4,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $492,600 | 7,282 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,150,000 | 9,518 |
| Total interest expense | $842,000 | 9,390 |
| Net interest income | $1,308,000 | 9,436 |
| Provision for loan and lease losses | $42,000 | 6,508 |
| Total noninterest income | $95,000 | 10,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 9,316 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 10,550 |
| Total noninterest expense | $824,000 | 10,120 |
| Salaries and employee benefits | $423,000 | 10,073 |
| Premises and equipment expense | $70,000 | 10,970 |
| Additional noninterest expense | $331,000 | 9,586 |
| Pre-tax net operating income | $537,000 | 8,404 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $181,000 | 7,689 |
| Income before extraordinary items | $358,000 | 8,569 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $358,000 | 8,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-129,000 | 12,306 |
| Cash dividends | $319,000 | 4,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $356,680 | 8,636 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,067,000 | 10,041 |
| Total interest expense | $853,000 | 9,775 |
| Net interest income | $1,214,000 | 10,027 |
| Provision for loan and lease losses | $42,000 | 7,871 |
| Total noninterest income | $97,000 | 11,399 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 9,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,982 |
| Total noninterest expense | $782,000 | 10,754 |
| Salaries and employee benefits | $422,000 | 10,423 |
| Premises and equipment expense | $72,000 | 11,428 |
| Additional noninterest expense | $288,000 | 10,592 |
| Pre-tax net operating income | $487,000 | 8,743 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $168,000 | 8,248 |
| Income before extraordinary items | $319,000 | 9,250 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $319,000 | 9,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 4,185 |
| Cash dividends | $403,000 | 3,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $319,000 | 8,995 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,418,000 | 10,063 |
| Total interest expense | $1,106,000 | 9,961 |
| Net interest income | $1,312,000 | 9,944 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $124,000 | 11,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 9,449 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $796,000 | 11,020 |
| Salaries and employee benefits | $389,000 | 10,995 |
| Premises and equipment expense | $73,000 | 11,760 |
| Additional noninterest expense | $334,000 | 10,396 |
| Pre-tax net operating income | $604,000 | 7,685 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $201,000 | 7,542 |
| Income before extraordinary items | $403,000 | 8,184 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $403,000 | 8,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 8,726 |
| Cash dividends | $382,000 | 3,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $403,000 | 7,827 |
* 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.