Home > Security Federal Savings Bank > Income and Expense
Security Federal Savings Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,243,000 | 5,186 |
| Total interest expense | $2,258,000 | 4,218 |
| Net interest income | $1,985,000 | 5,921 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $185,000 | 6,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $185,000 | 4,694 |
| Total noninterest expense | $2,561,000 | 4,463 |
| Salaries and employee benefits | $1,410,000 | 4,453 |
| Premises and equipment expense | $759,000 | 2,443 |
| Additional noninterest expense | $392,000 | 6,441 |
| Pre-tax net operating income | $-391,000 | 8,388 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-136,000 | 8,589 |
| Income before extraordinary items | $-255,000 | 8,350 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-255,000 | 8,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,263 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-255,000 | 8,346 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,803,000 | 5,185 |
| Total interest expense | $1,463,000 | 4,182 |
| Net interest income | $1,340,000 | 5,927 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $135,000 | 6,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $135,000 | 4,512 |
| Total noninterest expense | $1,695,000 | 4,500 |
| Salaries and employee benefits | $943,000 | 4,454 |
| Premises and equipment expense | $506,000 | 2,437 |
| Additional noninterest expense | $246,000 | 6,602 |
| Pre-tax net operating income | $-220,000 | 8,421 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-78,000 | 8,613 |
| Income before extraordinary items | $-142,000 | 8,384 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-142,000 | 8,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-142,000 | 8,383 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,388,000 | 5,160 |
| Total interest expense | $695,000 | 4,193 |
| Net interest income | $693,000 | 5,832 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $60,000 | 6,628 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,759 |
| Total noninterest expense | $821,000 | 4,607 |
| Salaries and employee benefits | $459,000 | 4,566 |
| Premises and equipment expense | $252,000 | 2,453 |
| Additional noninterest expense | $110,000 | 6,869 |
| Pre-tax net operating income | $-68,000 | 8,400 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-30,000 | 8,606 |
| Income before extraordinary items | $-38,000 | 8,361 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-38,000 | 8,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-38,000 | 8,346 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,228,000 | 5,006 |
| Total interest expense | $2,236,000 | 4,111 |
| Net interest income | $2,992,000 | 5,515 |
| Provision for loan and lease losses | $2,000 | 7,079 |
| Total noninterest income | $284,000 | 6,423 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $284,000 | 4,459 |
| Total noninterest expense | $3,407,000 | 4,386 |
| Salaries and employee benefits | $1,884,000 | 4,314 |
| Premises and equipment expense | $989,000 | 2,389 |
| Additional noninterest expense | $534,000 | 6,388 |
| Pre-tax net operating income | $-133,000 | 8,350 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $-203,000 | 8,679 |
| Income before extraordinary items | $68,000 | 8,076 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $68,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $69,280 | 8,045 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,851,000 | 5,044 |
| Total interest expense | $1,576,000 | 4,156 |
| Net interest income | $2,275,000 | 5,487 |
| Provision for loan and lease losses | $2,000 | 6,852 |
| Total noninterest income | $212,000 | 6,484 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $212,000 | 4,487 |
| Total noninterest expense | $2,487,000 | 4,439 |
| Salaries and employee benefits | $1,411,000 | 4,290 |
| Premises and equipment expense | $723,000 | 2,438 |
| Additional noninterest expense | $353,000 | 6,716 |
| Pre-tax net operating income | $-2,000 | 8,328 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $-14,000 | 8,616 |
| Income before extraordinary items | $10,000 | 8,317 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,000 | 8,318 |
| 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 | $11,280 | 8,288 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,534,000 | 5,020 |
| Total interest expense | $985,000 | 4,179 |
| Net interest income | $1,549,000 | 5,396 |
| Provision for loan and lease losses | $2,000 | 6,551 |
| Total noninterest income | $128,000 | 6,636 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $128,000 | 4,660 |
| Total noninterest expense | $1,629,000 | 4,483 |
| Salaries and employee benefits | $902,000 | 4,412 |
| Premises and equipment expense | $482,000 | 2,415 |
| Additional noninterest expense | $245,000 | 6,590 |
| Pre-tax net operating income | $46,000 | 8,155 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $16,000 | 6,203 |
| Income before extraordinary items | $28,000 | 8,243 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $28,000 | 8,243 |
| 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 | $29,280 | 8,207 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,254,000 | 5,046 |
| Total interest expense | $454,000 | 4,310 |
| Net interest income | $800,000 | 5,325 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $54,000 | 6,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 5,007 |
| Total noninterest expense | $826,000 | 4,454 |
| Salaries and employee benefits | $454,000 | 4,413 |
| Premises and equipment expense | $252,000 | 2,341 |
| Additional noninterest expense | $120,000 | 6,679 |
| Pre-tax net operating income | $28,000 | 8,168 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $8,000 | 6,187 |
| Income before extraordinary items | $20,000 | 8,241 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $20,000 | 8,241 |
| 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 | $20,000 | 8,218 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,008,000 | 4,842 |
| Total interest expense | $1,802,000 | 3,977 |
| Net interest income | $3,206,000 | 5,210 |
| Provision for loan and lease losses | $20,000 | 6,718 |
| Total noninterest income | $210,000 | 7,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $210,000 | 5,009 |
| Total noninterest expense | $3,168,000 | 4,482 |
| Salaries and employee benefits | $1,756,000 | 4,413 |
| Premises and equipment expense | $891,000 | 2,547 |
| Additional noninterest expense | $521,000 | 6,420 |
| Pre-tax net operating income | $228,000 | 7,679 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $49,000 | 6,046 |
| Income before extraordinary items | $179,000 | 7,747 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $179,000 | 7,747 |
| 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 | $179,000 | 7,706 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,716,000 | 4,855 |
| Total interest expense | $1,337,000 | 3,966 |
| Net interest income | $2,379,000 | 5,227 |
| Provision for loan and lease losses | $16,000 | 6,508 |
| Total noninterest income | $165,000 | 7,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $165,000 | 4,912 |
| Total noninterest expense | $2,352,000 | 4,495 |
| Salaries and employee benefits | $1,315,000 | 4,383 |
| Premises and equipment expense | $667,000 | 2,536 |
| Additional noninterest expense | $370,000 | 6,557 |
| Pre-tax net operating income | $176,000 | 7,801 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $37,000 | 6,150 |
| Income before extraordinary items | $139,000 | 7,850 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $139,000 | 7,853 |
| 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 | $139,000 | 7,805 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,456,000 | 4,901 |
| Total interest expense | $881,000 | 3,992 |
| Net interest income | $1,575,000 | 5,257 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $109,000 | 7,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $109,000 | 4,988 |
| Total noninterest expense | $1,578,000 | 4,500 |
| Salaries and employee benefits | $869,000 | 4,438 |
| Premises and equipment expense | $439,000 | 2,560 |
| Additional noninterest expense | $270,000 | 6,293 |
| Pre-tax net operating income | $100,000 | 7,922 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $21,000 | 6,258 |
| Income before extraordinary items | $79,000 | 7,983 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,985 |
| 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 | $79,000 | 7,923 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,242,000 | 4,883 |
| Total interest expense | $433,000 | 4,083 |
| Net interest income | $809,000 | 5,169 |
| Provision for loan and lease losses | $4,000 | 6,169 |
| Total noninterest income | $58,000 | 6,943 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $58,000 | 4,809 |
| Total noninterest expense | $800,000 | 4,481 |
| Salaries and employee benefits | $445,000 | 4,386 |
| Premises and equipment expense | $233,000 | 2,452 |
| Additional noninterest expense | $122,000 | 6,621 |
| Pre-tax net operating income | $63,000 | 7,712 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $14,000 | 6,056 |
| Income before extraordinary items | $49,000 | 7,802 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $49,000 | 7,802 |
| 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 | $49,000 | 7,739 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,896,000 | 4,965 |
| Total interest expense | $1,946,000 | 4,113 |
| Net interest income | $2,950,000 | 5,365 |
| Provision for loan and lease losses | $18,000 | 7,137 |
| Total noninterest income | $270,000 | 6,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $270,000 | 4,704 |
| Total noninterest expense | $2,982,000 | 4,621 |
| Salaries and employee benefits | $1,718,000 | 4,405 |
| Premises and equipment expense | $773,000 | 2,839 |
| Additional noninterest expense | $491,000 | 6,597 |
| Pre-tax net operating income | $220,000 | 7,756 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $66,000 | 6,086 |
| Income before extraordinary items | $154,000 | 7,984 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $154,000 | 7,986 |
| 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 | $154,000 | 7,867 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,713,000 | 4,991 |
| Total interest expense | $1,490,000 | 4,164 |
| Net interest income | $2,223,000 | 5,360 |
| Provision for loan and lease losses | $16,000 | 6,921 |
| Total noninterest income | $219,000 | 6,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $219,000 | 4,615 |
| Total noninterest expense | $2,223,000 | 4,621 |
| Salaries and employee benefits | $1,247,000 | 4,485 |
| Premises and equipment expense | $592,000 | 2,814 |
| Additional noninterest expense | $384,000 | 6,457 |
| Pre-tax net operating income | $203,000 | 7,712 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $58,000 | 6,101 |
| Income before extraordinary items | $145,000 | 7,940 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $145,000 | 7,941 |
| 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 | $145,000 | 7,793 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,479,000 | 5,019 |
| Total interest expense | $1,033,000 | 4,143 |
| Net interest income | $1,446,000 | 5,445 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $165,000 | 6,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $165,000 | 4,388 |
| Total noninterest expense | $1,409,000 | 4,784 |
| Salaries and employee benefits | $801,000 | 4,597 |
| Premises and equipment expense | $341,000 | 3,151 |
| Additional noninterest expense | $267,000 | 6,335 |
| Pre-tax net operating income | $190,000 | 7,286 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $83,000 | 5,372 |
| Income before extraordinary items | $107,000 | 7,878 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $107,000 | 7,879 |
| 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 | $107,000 | 7,703 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,241,000 | 5,039 |
| Total interest expense | $535,000 | 4,131 |
| Net interest income | $706,000 | 5,524 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $56,000 | 7,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $56,000 | 5,056 |
| Total noninterest expense | $691,000 | 4,837 |
| Salaries and employee benefits | $382,000 | 4,772 |
| Premises and equipment expense | $181,000 | 3,001 |
| Additional noninterest expense | $128,000 | 6,459 |
| Pre-tax net operating income | $65,000 | 7,750 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $29,000 | 5,756 |
| Income before extraordinary items | $36,000 | 8,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $36,000 | 8,168 |
| 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 | $36,000 | 8,026 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,475,000 | 4,859 |
| Total interest expense | $2,684,000 | 3,881 |
| Net interest income | $2,791,000 | 5,539 |
| Provision for loan and lease losses | $25,000 | 7,318 |
| Total noninterest income | $177,000 | 7,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $177,000 | 5,256 |
| Total noninterest expense | $2,630,000 | 4,909 |
| Salaries and employee benefits | $1,548,000 | 4,576 |
| Premises and equipment expense | $626,000 | 3,289 |
| Additional noninterest expense | $456,000 | 6,775 |
| Pre-tax net operating income | $313,000 | 7,499 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $107,000 | 5,901 |
| Income before extraordinary items | $206,000 | 7,807 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $206,000 | 7,808 |
| 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 | $206,000 | 7,703 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,963,000 | 4,985 |
| Total interest expense | $3,509,000 | 4,200 |
| Net interest income | $2,454,000 | 5,771 |
| Provision for loan and lease losses | $16,000 | 7,702 |
| Total noninterest income | $162,000 | 7,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $162,000 | 5,371 |
| Total noninterest expense | $2,328,000 | 5,203 |
| Salaries and employee benefits | $1,363,000 | 4,855 |
| Premises and equipment expense | $598,000 | 3,361 |
| Additional noninterest expense | $367,000 | 7,376 |
| Pre-tax net operating income | $272,000 | 7,538 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $78,000 | 6,299 |
| Income before extraordinary items | $194,000 | 7,783 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $194,000 | 7,786 |
| 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 | $194,000 | 7,666 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,753,000 | 5,225 |
| Total interest expense | $3,280,000 | 4,602 |
| Net interest income | $2,473,000 | 5,854 |
| Provision for loan and lease losses | $41,000 | 6,834 |
| Total noninterest income | $117,000 | 8,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $117,000 | 6,051 |
| Total noninterest expense | $2,299,000 | 5,162 |
| Salaries and employee benefits | $1,259,000 | 5,015 |
| Premises and equipment expense | $589,000 | 3,326 |
| Additional noninterest expense | $451,000 | 6,765 |
| Pre-tax net operating income | $250,000 | 8,130 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $96,000 | 6,557 |
| Income before extraordinary items | $154,000 | 8,395 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $154,000 | 8,394 |
| 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 | $154,000 | 8,398 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,110,000 | 5,492 |
| Total interest expense | $2,742,000 | 4,927 |
| Net interest income | $2,368,000 | 6,001 |
| Provision for loan and lease losses | $10,000 | 8,114 |
| Total noninterest income | $97,000 | 8,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $97,000 | 6,712 |
| Total noninterest expense | $1,926,000 | 5,822 |
| Salaries and employee benefits | $1,175,000 | 5,246 |
| Premises and equipment expense | $488,000 | 3,841 |
| Additional noninterest expense | $263,000 | 8,447 |
| Pre-tax net operating income | $529,000 | 7,004 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $113,000 | 6,751 |
| Income before extraordinary items | $416,000 | 6,900 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $416,000 | 6,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $416,000 | 6,877 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,313,000 | 5,439 |
| Total interest expense | $2,854,000 | 4,896 |
| Net interest income | $2,459,000 | 5,911 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $105,000 | 8,942 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $105,000 | 6,524 |
| Total noninterest expense | $2,088,000 | 5,432 |
| Salaries and employee benefits | $1,289,000 | 4,796 |
| Premises and equipment expense | $521,000 | 3,566 |
| Additional noninterest expense | $278,000 | 8,319 |
| Pre-tax net operating income | $476,000 | 7,495 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $125,000 | 7,175 |
| Income before extraordinary items | $351,000 | 7,527 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $351,000 | 7,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $351,000 | 7,445 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,410,000 | 5,478 |
| Total interest expense | $2,835,000 | 4,943 |
| Net interest income | $2,575,000 | 5,935 |
| Provision for loan and lease losses | $-66,000 | 10,737 |
| Total noninterest income | $119,000 | 9,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $119,000 | 6,301 |
| Total noninterest expense | $2,124,000 | 5,423 |
| Salaries and employee benefits | $1,258,000 | 4,905 |
| Premises and equipment expense | $547,000 | 3,427 |
| Additional noninterest expense | $319,000 | 8,128 |
| Pre-tax net operating income | $636,000 | 7,266 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $255,000 | 6,207 |
| Income before extraordinary items | $381,000 | 7,771 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $381,000 | 7,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-112,000 | 10,728 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $381,000 | 7,717 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,641,000 | 5,419 |
| Total interest expense | $3,030,000 | 4,747 |
| Net interest income | $2,611,000 | 6,028 |
| Provision for loan and lease losses | $23,000 | 7,847 |
| Total noninterest income | $188,000 | 8,409 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $188,000 | 5,346 |
| Total noninterest expense | $2,588,000 | 4,867 |
| Salaries and employee benefits | $1,188,000 | 5,257 |
| Premises and equipment expense | $561,000 | 3,421 |
| Additional noninterest expense | $839,000 | 5,018 |
| Pre-tax net operating income | $188,000 | 9,863 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $138,000 | 8,066 |
| Income before extraordinary items | $50,000 | 10,582 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $50,000 | 10,580 |
| 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 | $50,000 | 10,526 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,390,000 | 5,667 |
| Total interest expense | $2,685,000 | 5,254 |
| Net interest income | $2,705,000 | 5,960 |
| Provision for loan and lease losses | $3,000 | 8,797 |
| Total noninterest income | $138,000 | 9,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $138,000 | 6,215 |
| Total noninterest expense | $2,169,000 | 5,625 |
| Salaries and employee benefits | $1,217,000 | 5,162 |
| Premises and equipment expense | $668,000 | 2,927 |
| Additional noninterest expense | $284,000 | 9,419 |
| Pre-tax net operating income | $671,000 | 7,467 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $296,000 | 6,050 |
| Income before extraordinary items | $375,000 | 8,270 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $375,000 | 8,271 |
| 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 | NA | NA |
| Net operating income | $375,000 | 8,260 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,165,000 | 5,520 |
| Total interest expense | $2,362,000 | 4,874 |
| Net interest income | $2,803,000 | 5,903 |
| Provision for loan and lease losses | $11,000 | 8,408 |
| Total noninterest income | $107,000 | 10,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $107,000 | 7,294 |
| Total noninterest expense | $2,134,000 | 5,885 |
| Salaries and employee benefits | $1,187,000 | 5,289 |
| Premises and equipment expense | $627,000 | 3,143 |
| Additional noninterest expense | $320,000 | 9,721 |
| Pre-tax net operating income | $765,000 | 7,052 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $315,000 | 5,695 |
| Income before extraordinary items | $450,000 | 7,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $450,000 | 7,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $450,000 | 7,758 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,817,000 | 5,094 |
| Total interest expense | $2,776,000 | 4,406 |
| Net interest income | $3,041,000 | 5,594 |
| Provision for loan and lease losses | $77,000 | 6,405 |
| Total noninterest income | $140,000 | 10,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $140,000 | 6,785 |
| Total noninterest expense | $2,168,000 | 5,938 |
| Salaries and employee benefits | $1,209,000 | 5,202 |
| Premises and equipment expense | $651,000 | 3,073 |
| Additional noninterest expense | $308,000 | 10,343 |
| Pre-tax net operating income | $936,000 | 6,187 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $425,000 | 4,793 |
| Income before extraordinary items | $511,000 | 7,452 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $511,000 | 7,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 6,165 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $511,000 | 7,211 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,923,000 | 4,871 |
| Total interest expense | $3,828,000 | 4,230 |
| Net interest income | $3,095,000 | 5,584 |
| Provision for loan and lease losses | $116,000 | 6,901 |
| Total noninterest income | $114,000 | 11,349 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $114,000 | 7,627 |
| Total noninterest expense | $2,177,000 | 5,975 |
| Salaries and employee benefits | $1,209,000 | 5,122 |
| Premises and equipment expense | $676,000 | 3,012 |
| Additional noninterest expense | $292,000 | 10,946 |
| Pre-tax net operating income | $916,000 | 6,008 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $468,000 | 4,218 |
| Income before extraordinary items | $448,000 | 7,758 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $448,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 7,355 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $448,000 | 7,395 |
* 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.