Home > Shenandoah National Bank > Income and Expense
Shenandoah National Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,635,000 | 4,898 |
| Total interest expense | $2,223,000 | 4,258 |
| Net interest income | $2,412,000 | 5,360 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $257,000 | 5,951 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $162,000 | 4,872 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $95,000 | 5,936 |
| Total noninterest expense | $2,180,000 | 4,971 |
| Salaries and employee benefits | $1,121,000 | 5,179 |
| Premises and equipment expense | $431,000 | 3,894 |
| Additional noninterest expense | $628,000 | 5,067 |
| Pre-tax net operating income | $444,000 | 6,442 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $120,000 | 4,743 |
| Income before extraordinary items | $324,000 | 6,603 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $324,000 | 6,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,208 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $324,000 | 6,603 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,066,000 | 4,881 |
| Total interest expense | $1,425,000 | 4,243 |
| Net interest income | $1,641,000 | 5,336 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $158,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $106,000 | 4,898 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $52,000 | 6,320 |
| Total noninterest expense | $1,465,000 | 4,957 |
| Salaries and employee benefits | $751,000 | 5,187 |
| Premises and equipment expense | $292,000 | 3,847 |
| Additional noninterest expense | $422,000 | 5,024 |
| Pre-tax net operating income | $304,000 | 6,436 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $84,000 | 4,734 |
| Income before extraordinary items | $220,000 | 6,586 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $220,000 | 6,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,323 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $220,000 | 6,583 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,522,000 | 4,859 |
| Total interest expense | $712,000 | 4,134 |
| Net interest income | $810,000 | 5,363 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $85,000 | 5,947 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $49,000 | 5,002 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,743 |
| Total noninterest expense | $732,000 | 4,981 |
| Salaries and employee benefits | $376,000 | 5,210 |
| Premises and equipment expense | $150,000 | 3,796 |
| Additional noninterest expense | $206,000 | 5,089 |
| Pre-tax net operating income | $148,000 | 6,442 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $42,000 | 4,694 |
| Income before extraordinary items | $106,000 | 6,639 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $106,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,173 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $106,000 | 6,630 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,670,000 | 4,767 |
| Total interest expense | $2,651,000 | 3,668 |
| Net interest income | $3,019,000 | 5,488 |
| Provision for loan and lease losses | $72,000 | 5,255 |
| Total noninterest income | $372,000 | 5,873 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $235,000 | 4,705 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $137,000 | 5,881 |
| Total noninterest expense | $2,836,000 | 4,971 |
| Salaries and employee benefits | $1,454,000 | 5,151 |
| Premises and equipment expense | $545,000 | 3,931 |
| Additional noninterest expense | $837,000 | 5,011 |
| Pre-tax net operating income | $483,000 | 6,809 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $112,000 | 5,282 |
| Income before extraordinary items | $371,000 | 6,891 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $371,000 | 6,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,690 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $371,000 | 6,868 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,153,000 | 4,796 |
| Total interest expense | $1,956,000 | 3,570 |
| Net interest income | $2,197,000 | 5,589 |
| Provision for loan and lease losses | $54,000 | 5,082 |
| Total noninterest income | $236,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $168,000 | 4,837 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 6,563 |
| Total noninterest expense | $2,054,000 | 5,048 |
| Salaries and employee benefits | $1,059,000 | 5,236 |
| Premises and equipment expense | $401,000 | 3,964 |
| Additional noninterest expense | $594,000 | 5,154 |
| Pre-tax net operating income | $325,000 | 7,093 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $76,000 | 5,483 |
| Income before extraordinary items | $249,000 | 7,196 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $249,000 | 7,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,976 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $249,000 | 7,152 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,737,000 | 4,793 |
| Total interest expense | $1,275,000 | 3,481 |
| Net interest income | $1,462,000 | 5,576 |
| Provision for loan and lease losses | $36,000 | 4,958 |
| Total noninterest income | $161,000 | 6,195 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $142,000 | 4,277 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $19,000 | 7,696 |
| Total noninterest expense | $1,344,000 | 5,104 |
| Salaries and employee benefits | $698,000 | 5,254 |
| Premises and equipment expense | $261,000 | 4,016 |
| Additional noninterest expense | $385,000 | 5,219 |
| Pre-tax net operating income | $243,000 | 6,956 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $59,000 | 5,378 |
| Income before extraordinary items | $184,000 | 7,050 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $184,000 | 7,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,020 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $184,000 | 7,013 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,349,000 | 4,808 |
| Total interest expense | $630,000 | 3,384 |
| Net interest income | $719,000 | 5,654 |
| Provision for loan and lease losses | $18,000 | 4,743 |
| Total noninterest income | $75,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,829 |
| Total noninterest expense | $669,000 | 5,157 |
| Salaries and employee benefits | $346,000 | 5,333 |
| Premises and equipment expense | $128,000 | 4,125 |
| Additional noninterest expense | $195,000 | 5,175 |
| Pre-tax net operating income | $107,000 | 7,119 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $25,000 | 5,466 |
| Income before extraordinary items | $82,000 | 7,194 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $82,000 | 7,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,290 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $82,000 | 7,162 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,788,000 | 4,376 |
| Total interest expense | $2,542,000 | 3,014 |
| Net interest income | $3,246,000 | 5,164 |
| Provision for loan and lease losses | $72,000 | 5,454 |
| Total noninterest income | $394,000 | 5,830 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $331,000 | 4,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $63,000 | 7,122 |
| Total noninterest expense | $2,432,000 | 5,405 |
| Salaries and employee benefits | $1,274,000 | 5,508 |
| Premises and equipment expense | $444,000 | 4,454 |
| Additional noninterest expense | $714,000 | 5,458 |
| Pre-tax net operating income | $1,136,000 | 4,928 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $338,000 | 3,995 |
| Income before extraordinary items | $798,000 | 5,272 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $798,000 | 5,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,112 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $798,000 | 5,195 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,451,000 | 4,277 |
| Total interest expense | $1,912,000 | 2,949 |
| Net interest income | $2,539,000 | 5,008 |
| Provision for loan and lease losses | $54,000 | 5,285 |
| Total noninterest income | $260,000 | 6,135 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $232,000 | 4,273 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $28,000 | 7,777 |
| Total noninterest expense | $1,775,000 | 5,450 |
| Salaries and employee benefits | $931,000 | 5,554 |
| Premises and equipment expense | $318,000 | 4,582 |
| Additional noninterest expense | $526,000 | 5,480 |
| Pre-tax net operating income | $970,000 | 4,679 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $285,000 | 3,877 |
| Income before extraordinary items | $685,000 | 5,007 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $685,000 | 5,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $685,000 | 4,924 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,051,000 | 4,190 |
| Total interest expense | $1,281,000 | 2,935 |
| Net interest income | $1,770,000 | 4,853 |
| Provision for loan and lease losses | $36,000 | 5,137 |
| Total noninterest income | $187,000 | 5,974 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $169,000 | 4,053 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 7,850 |
| Total noninterest expense | $1,171,000 | 5,518 |
| Salaries and employee benefits | $610,000 | 5,643 |
| Premises and equipment expense | $212,000 | 4,591 |
| Additional noninterest expense | $349,000 | 5,517 |
| Pre-tax net operating income | $750,000 | 4,279 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $220,000 | 3,596 |
| Income before extraordinary items | $530,000 | 4,588 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $530,000 | 4,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $530,000 | 4,497 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,535,000 | 4,187 |
| Total interest expense | $647,000 | 2,942 |
| Net interest income | $888,000 | 4,863 |
| Provision for loan and lease losses | $18,000 | 4,919 |
| Total noninterest income | $95,000 | 5,901 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $86,000 | 3,952 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,000 | 7,855 |
| Total noninterest expense | $577,000 | 5,580 |
| Salaries and employee benefits | $298,000 | 5,754 |
| Premises and equipment expense | $107,000 | 4,590 |
| Additional noninterest expense | $172,000 | 5,571 |
| Pre-tax net operating income | $388,000 | 4,153 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $115,000 | 3,550 |
| Income before extraordinary items | $273,000 | 4,531 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $273,000 | 4,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $273,000 | 4,395 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,690,000 | 3,963 |
| Total interest expense | $2,914,000 | 2,943 |
| Net interest income | $3,776,000 | 4,554 |
| Provision for loan and lease losses | $441,000 | 2,404 |
| Total noninterest income | $409,000 | 5,918 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $371,000 | 3,813 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $38,000 | 7,880 |
| Total noninterest expense | $2,329,000 | 5,474 |
| Salaries and employee benefits | $1,278,000 | 5,409 |
| Premises and equipment expense | $379,000 | 4,931 |
| Additional noninterest expense | $672,000 | 5,624 |
| Pre-tax net operating income | $1,415,000 | 4,278 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $445,000 | 3,588 |
| Income before extraordinary items | $970,000 | 4,734 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $970,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,170 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-22,000 | 9,083 |
| Net operating income | $970,000 | 4,562 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,115,000 | 3,959 |
| Total interest expense | $2,244,000 | 2,960 |
| Net interest income | $2,871,000 | 4,522 |
| Provision for loan and lease losses | $423,000 | 1,950 |
| Total noninterest income | $274,000 | 6,208 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $244,000 | 4,142 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $30,000 | 7,851 |
| Total noninterest expense | $1,739,000 | 5,460 |
| Salaries and employee benefits | $920,000 | 5,527 |
| Premises and equipment expense | $303,000 | 4,685 |
| Additional noninterest expense | $516,000 | 5,533 |
| Pre-tax net operating income | $983,000 | 4,589 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $315,000 | 3,826 |
| Income before extraordinary items | $668,000 | 5,115 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $668,000 | 5,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,621 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $668,000 | 4,932 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,456,000 | 3,944 |
| Total interest expense | $1,523,000 | 3,001 |
| Net interest income | $1,933,000 | 4,497 |
| Provision for loan and lease losses | $393,000 | 1,431 |
| Total noninterest income | $183,000 | 6,195 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $163,000 | 4,107 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $20,000 | 7,844 |
| Total noninterest expense | $1,163,000 | 5,443 |
| Salaries and employee benefits | $613,000 | 5,546 |
| Premises and equipment expense | $207,000 | 4,599 |
| Additional noninterest expense | $343,000 | 5,533 |
| Pre-tax net operating income | $560,000 | 5,029 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $295,000 | 3,276 |
| Income before extraordinary items | $265,000 | 6,394 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $265,000 | 6,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,382 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $265,000 | 6,188 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,722,000 | 3,970 |
| Total interest expense | $767,000 | 3,053 |
| Net interest income | $955,000 | 4,531 |
| Provision for loan and lease losses | $18,000 | 5,381 |
| Total noninterest income | $95,000 | 6,020 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $84,000 | 3,965 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $579,000 | 5,457 |
| Salaries and employee benefits | $305,000 | 5,564 |
| Premises and equipment expense | $103,000 | 4,610 |
| Additional noninterest expense | $171,000 | 5,533 |
| Pre-tax net operating income | $453,000 | 3,735 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $130,000 | 3,490 |
| Income before extraordinary items | $323,000 | 4,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $323,000 | 4,034 |
| 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 | $323,000 | 3,843 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,724,000 | 4,188 |
| Total interest expense | $3,378,000 | 3,209 |
| Net interest income | $3,346,000 | 4,912 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $427,000 | 5,613 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $374,000 | 3,695 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $53,000 | 7,532 |
| Total noninterest expense | $2,362,000 | 5,278 |
| Salaries and employee benefits | $1,268,000 | 5,278 |
| Premises and equipment expense | $406,000 | 4,596 |
| Additional noninterest expense | $688,000 | 5,466 |
| Pre-tax net operating income | $1,351,000 | 4,381 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $444,000 | 3,686 |
| Income before extraordinary items | $907,000 | 4,860 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $907,000 | 4,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-20,000 | 9,222 |
| Net operating income | $907,000 | 4,735 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,059,000 | 4,410 |
| Total interest expense | $4,479,000 | 3,463 |
| Net interest income | $2,580,000 | 5,607 |
| Provision for loan and lease losses | $48,000 | 6,745 |
| Total noninterest income | $381,000 | 5,815 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $330,000 | 3,924 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $51,000 | 7,655 |
| Total noninterest expense | $2,162,000 | 5,448 |
| Salaries and employee benefits | $1,191,000 | 5,353 |
| Premises and equipment expense | $366,000 | 4,887 |
| Additional noninterest expense | $605,000 | 5,802 |
| Pre-tax net operating income | $751,000 | 5,649 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $237,000 | 4,695 |
| Income before extraordinary items | $514,000 | 6,002 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $514,000 | 6,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,148 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $-23,000 | 9,464 |
| Net operating income | $514,000 | 5,888 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,951,000 | 5,108 |
| Total interest expense | $3,744,000 | 4,182 |
| Net interest income | $2,207,000 | 6,261 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $279,000 | 6,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 5,315 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,548 |
| Total noninterest expense | $1,869,000 | 5,927 |
| Salaries and employee benefits | $967,000 | 6,057 |
| Premises and equipment expense | $348,000 | 4,957 |
| Additional noninterest expense | $554,000 | 6,049 |
| Pre-tax net operating income | $581,000 | 6,658 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $181,000 | 5,591 |
| Income before extraordinary items | $400,000 | 6,860 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $400,000 | 6,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,269 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $-18,000 | 9,748 |
| Net operating income | $400,000 | 6,869 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,274,000 | 6,124 |
| Total interest expense | $2,429,000 | 5,286 |
| Net interest income | $1,845,000 | 6,920 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $206,000 | 7,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 5,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,098 |
| Total noninterest expense | $1,355,000 | 7,151 |
| Salaries and employee benefits | $732,000 | 7,068 |
| Premises and equipment expense | $227,000 | 6,401 |
| Additional noninterest expense | $396,000 | 7,310 |
| Pre-tax net operating income | $660,000 | 6,476 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $216,000 | 5,539 |
| Income before extraordinary items | $444,000 | 6,739 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $444,000 | 6,737 |
| 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 | $444,000 | 6,712 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,088,000 | 6,418 |
| Total interest expense | $2,228,000 | 5,789 |
| Net interest income | $1,860,000 | 6,924 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $166,000 | 8,007 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $130,000 | 6,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,704 |
| Total noninterest expense | $1,167,000 | 7,632 |
| Salaries and employee benefits | $625,000 | 7,617 |
| Premises and equipment expense | $193,000 | 6,822 |
| Additional noninterest expense | $349,000 | 7,673 |
| Pre-tax net operating income | $823,000 | 5,997 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $269,000 | 5,466 |
| Income before extraordinary items | $554,000 | 6,299 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $554,000 | 6,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $554,000 | 6,183 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,681,000 | 6,971 |
| Total interest expense | $2,071,000 | 6,130 |
| Net interest income | $1,610,000 | 7,749 |
| Provision for loan and lease losses | $99,000 | 5,232 |
| Total noninterest income | $157,000 | 8,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 9,193 |
| Total noninterest expense | $1,099,000 | 8,013 |
| Salaries and employee benefits | $593,000 | 7,962 |
| Premises and equipment expense | $189,000 | 7,042 |
| Additional noninterest expense | $317,000 | 8,150 |
| Pre-tax net operating income | $569,000 | 7,564 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $185,000 | 7,103 |
| Income before extraordinary items | $384,000 | 7,747 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $384,000 | 7,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $384,000 | 7,695 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,518,000 | 10,075 |
| Total interest expense | $832,000 | 9,547 |
| Net interest income | $686,000 | 10,429 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $84,000 | 10,213 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 8,196 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,919 |
| Total noninterest expense | $539,000 | 10,435 |
| Salaries and employee benefits | $286,000 | 10,464 |
| Premises and equipment expense | $93,000 | 9,472 |
| Additional noninterest expense | $160,000 | 10,442 |
| Pre-tax net operating income | $195,000 | 9,815 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $61,000 | 9,494 |
| Income before extraordinary items | $134,000 | 9,940 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $134,000 | 9,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $134,000 | 9,886 |
* 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.