Home > Shenandoah Valley National Bank > Income and Expense
Shenandoah Valley National Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,671,000 | 1,222 |
| Total interest expense | $4,840,000 | 1,019 |
| Net interest income | $3,831,000 | 1,492 |
| Provision for loan and lease losses | $490,000 | 538 |
| Total noninterest income | $922,000 | 1,387 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $126,000 | 2,972 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $796,000 | 992 |
| Total noninterest expense | $3,208,000 | 1,449 |
| Salaries and employee benefits | $1,405,000 | 1,830 |
| Premises and equipment expense | $294,000 | 2,224 |
| Additional noninterest expense | $1,509,000 | 909 |
| Pre-tax net operating income | $1,055,000 | 2,076 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $285,000 | 1,914 |
| Income before extraordinary items | $770,000 | 2,133 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $770,000 | 2,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,895 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $770,000 | 2,126 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $31,300,000 | 1,256 |
| Total interest expense | $16,246,000 | 1,021 |
| Net interest income | $15,054,000 | 1,516 |
| Provision for loan and lease losses | $1,715,000 | 637 |
| Total noninterest income | $20,472,000 | 368 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $519,000 | 2,981 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $19,953,000 | 266 |
| Total noninterest expense | $32,634,000 | 557 |
| Salaries and employee benefits | $10,241,000 | 940 |
| Premises and equipment expense | $2,045,000 | 1,258 |
| Additional noninterest expense | $20,348,000 | 318 |
| Pre-tax net operating income | $1,177,000 | 4,828 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $264,000 | 3,967 |
| Income before extraordinary items | $913,000 | 4,911 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $913,000 | 4,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,728 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 365 |
| Net operating income | $913,000 | 4,909 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,620,000 | 1,304 |
| Total interest expense | $11,461,000 | 1,066 |
| Net interest income | $11,159,000 | 1,551 |
| Provision for loan and lease losses | $935,000 | 804 |
| Total noninterest income | $17,085,000 | 361 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $375,000 | 3,065 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,710,000 | 265 |
| Total noninterest expense | $23,609,000 | 595 |
| Salaries and employee benefits | $8,003,000 | 908 |
| Premises and equipment expense | $1,539,000 | 1,260 |
| Additional noninterest expense | $14,067,000 | 349 |
| Pre-tax net operating income | $3,700,000 | 1,970 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,143,000 | 1,703 |
| Income before extraordinary items | $2,557,000 | 2,116 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,557,000 | 2,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 1,785 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 372 |
| Net operating income | $2,557,000 | 2,102 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,373,000 | 1,337 |
| Total interest expense | $7,076,000 | 1,099 |
| Net interest income | $7,297,000 | 1,586 |
| Provision for loan and lease losses | $575,000 | 869 |
| Total noninterest income | $12,880,000 | 328 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $242,000 | 3,128 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,638,000 | 244 |
| Total noninterest expense | $16,375,000 | 575 |
| Salaries and employee benefits | $5,664,000 | 869 |
| Premises and equipment expense | $1,014,000 | 1,282 |
| Additional noninterest expense | $9,697,000 | 354 |
| Pre-tax net operating income | $3,227,000 | 1,554 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,039,000 | 1,363 |
| Income before extraordinary items | $2,188,000 | 1,666 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,188,000 | 1,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 1,883 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 266 |
| Net operating income | $2,188,000 | 1,652 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,785,000 | 1,390 |
| Total interest expense | $3,264,000 | 1,123 |
| Net interest income | $3,521,000 | 1,632 |
| Provision for loan and lease losses | $245,000 | 951 |
| Total noninterest income | $6,749,000 | 317 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $113,000 | 3,198 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,636,000 | 236 |
| Total noninterest expense | $8,256,000 | 561 |
| Salaries and employee benefits | $2,963,000 | 820 |
| Premises and equipment expense | $482,000 | 1,349 |
| Additional noninterest expense | $4,811,000 | 343 |
| Pre-tax net operating income | $1,769,000 | 1,392 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $582,000 | 1,229 |
| Income before extraordinary items | $1,187,000 | 1,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,187,000 | 1,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 1,365 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,187,000 | 1,508 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,900,000 | 1,693 |
| Total interest expense | $8,632,000 | 1,319 |
| Net interest income | $11,268,000 | 1,979 |
| Provision for loan and lease losses | $689,000 | 1,453 |
| Total noninterest income | $27,172,000 | 309 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $466,000 | 3,202 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $26,706,000 | 239 |
| Total noninterest expense | $30,004,000 | 593 |
| Salaries and employee benefits | $12,440,000 | 722 |
| Premises and equipment expense | $1,546,000 | 1,576 |
| Additional noninterest expense | $16,018,000 | 405 |
| Pre-tax net operating income | $7,747,000 | 1,227 |
| Securities gains (losses) | $-284,000 | 8,641 |
| Applicable income taxes | $2,441,000 | 1,155 |
| Income before extraordinary items | $5,022,000 | 1,410 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,022,000 | 1,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,585 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $6,750,000 | 262 |
| Net operating income | $5,212,280 | 1,351 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,787,000 | 1,784 |
| Total interest expense | $5,730,000 | 1,403 |
| Net interest income | $8,057,000 | 2,047 |
| Provision for loan and lease losses | $549,000 | 1,291 |
| Total noninterest income | $20,874,000 | 306 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $346,000 | 3,242 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,528,000 | 242 |
| Total noninterest expense | $22,586,000 | 594 |
| Salaries and employee benefits | $9,448,000 | 709 |
| Premises and equipment expense | $1,103,000 | 1,651 |
| Additional noninterest expense | $12,035,000 | 393 |
| Pre-tax net operating income | $5,796,000 | 1,229 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $1,962,000 | 1,091 |
| Income before extraordinary items | $3,839,000 | 1,396 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,839,000 | 1,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,982 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 230 |
| Net operating income | $3,835,700 | 1,372 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,504,000 | 1,880 |
| Total interest expense | $3,379,000 | 1,491 |
| Net interest income | $5,125,000 | 2,114 |
| Provision for loan and lease losses | $335,000 | 1,382 |
| Total noninterest income | $13,318,000 | 313 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $216,000 | 3,326 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $13,102,000 | 249 |
| Total noninterest expense | $14,904,000 | 595 |
| Salaries and employee benefits | $6,071,000 | 729 |
| Premises and equipment expense | $718,000 | 1,671 |
| Additional noninterest expense | $8,115,000 | 381 |
| Pre-tax net operating income | $3,204,000 | 1,456 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $1,031,000 | 1,343 |
| Income before extraordinary items | $2,178,000 | 1,588 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,178,000 | 1,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 218 |
| Net operating income | $2,174,600 | 1,561 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,948,000 | 1,973 |
| Total interest expense | $1,524,000 | 1,565 |
| Net interest income | $2,424,000 | 2,218 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $5,982,000 | 335 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $93,000 | 3,609 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,889,000 | 258 |
| Total noninterest expense | $7,152,000 | 609 |
| Salaries and employee benefits | $2,686,000 | 824 |
| Premises and equipment expense | $347,000 | 1,731 |
| Additional noninterest expense | $4,119,000 | 373 |
| Pre-tax net operating income | $1,134,000 | 1,960 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $343,000 | 1,799 |
| Income before extraordinary items | $791,000 | 2,097 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $791,000 | 2,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 154 |
| Net operating income | $791,000 | 2,068 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,993,000 | 2,024 |
| Total interest expense | $5,269,000 | 1,557 |
| Net interest income | $8,724,000 | 2,344 |
| Provision for loan and lease losses | $360,000 | 2,548 |
| Total noninterest income | $24,693,000 | 335 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $464,000 | 3,307 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $24,229,000 | 256 |
| Total noninterest expense | $26,917,000 | 619 |
| Salaries and employee benefits | $10,790,000 | 787 |
| Premises and equipment expense | $1,124,000 | 2,046 |
| Additional noninterest expense | $15,003,000 | 395 |
| Pre-tax net operating income | $6,140,000 | 1,403 |
| Securities gains (losses) | $-21,000 | 8,397 |
| Applicable income taxes | $1,946,000 | 1,302 |
| Income before extraordinary items | $4,173,000 | 1,547 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,173,000 | 1,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,768 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $2,250,000 | 331 |
| Net operating income | $4,187,280 | 1,492 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,086,000 | 2,095 |
| Total interest expense | $3,850,000 | 1,574 |
| Net interest income | $6,236,000 | 2,425 |
| Provision for loan and lease losses | $255,000 | 2,546 |
| Total noninterest income | $19,110,000 | 333 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $350,000 | 3,310 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,760,000 | 257 |
| Total noninterest expense | $20,023,000 | 625 |
| Salaries and employee benefits | $8,036,000 | 797 |
| Premises and equipment expense | $792,000 | 2,166 |
| Additional noninterest expense | $11,195,000 | 396 |
| Pre-tax net operating income | $5,068,000 | 1,290 |
| Securities gains (losses) | $-21,000 | 8,653 |
| Applicable income taxes | $1,618,000 | 1,208 |
| Income before extraordinary items | $3,429,000 | 1,440 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,429,000 | 1,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,105 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,250,000 | 239 |
| Net operating income | $3,443,280 | 1,385 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,434,000 | 2,175 |
| Total interest expense | $2,516,000 | 1,578 |
| Net interest income | $3,918,000 | 2,537 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $11,214,000 | 362 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $225,000 | 3,375 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $10,989,000 | 279 |
| Total noninterest expense | $12,249,000 | 666 |
| Salaries and employee benefits | $4,859,000 | 878 |
| Premises and equipment expense | $483,000 | 2,359 |
| Additional noninterest expense | $6,907,000 | 414 |
| Pre-tax net operating income | $2,733,000 | 1,544 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $861,000 | 1,448 |
| Income before extraordinary items | $1,885,000 | 1,698 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,885,000 | 1,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,147 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 193 |
| Net operating income | $1,876,030 | 1,640 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,133,000 | 2,241 |
| Total interest expense | $1,250,000 | 1,612 |
| Net interest income | $1,883,000 | 2,631 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $4,458,000 | 422 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $115,000 | 3,247 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,343,000 | 301 |
| Total noninterest expense | $5,110,000 | 793 |
| Salaries and employee benefits | $1,966,000 | 1,103 |
| Premises and equipment expense | $205,000 | 2,758 |
| Additional noninterest expense | $2,939,000 | 466 |
| Pre-tax net operating income | $1,156,000 | 1,780 |
| Securities gains (losses) | $6,000 | 2,267 |
| Applicable income taxes | $359,000 | 1,693 |
| Income before extraordinary items | $803,000 | 1,954 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $803,000 | 1,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 149 |
| Net operating income | $798,860 | 1,872 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,322,000 | 2,338 |
| Total interest expense | $4,895,000 | 1,829 |
| Net interest income | $7,427,000 | 2,605 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $1,821,000 | 2,473 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $300,000 | 4,299 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,521,000 | 1,802 |
| Total noninterest expense | $6,774,000 | 2,317 |
| Salaries and employee benefits | $2,946,000 | 2,809 |
| Premises and equipment expense | $528,000 | 3,891 |
| Additional noninterest expense | $3,300,000 | 1,498 |
| Pre-tax net operating income | $2,174,000 | 3,205 |
| Securities gains (losses) | $31,000 | 2,904 |
| Applicable income taxes | $593,000 | 3,081 |
| Income before extraordinary items | $1,612,000 | 3,377 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,612,000 | 3,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,233 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,100,000 | 331 |
| Net operating income | $1,589,370 | 3,255 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,763,000 | 2,775 |
| Total interest expense | $3,646,000 | 1,918 |
| Net interest income | $4,117,000 | 3,437 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $699,000 | 3,947 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $208,000 | 4,511 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $491,000 | 3,174 |
| Total noninterest expense | $3,213,000 | 3,492 |
| Salaries and employee benefits | $1,461,000 | 4,010 |
| Premises and equipment expense | $334,000 | 4,401 |
| Additional noninterest expense | $1,418,000 | 2,519 |
| Pre-tax net operating income | $1,378,000 | 3,704 |
| Securities gains (losses) | $31,000 | 2,671 |
| Applicable income taxes | $373,000 | 3,529 |
| Income before extraordinary items | $1,036,000 | 3,900 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,036,000 | 3,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,100,000 | 232 |
| Net operating income | $1,013,060 | 3,793 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,008,000 | 2,887 |
| Total interest expense | $2,408,000 | 1,993 |
| Net interest income | $2,600,000 | 3,590 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $435,000 | 4,060 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $132,000 | 4,608 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $303,000 | 3,273 |
| Total noninterest expense | $1,928,000 | 3,811 |
| Salaries and employee benefits | $864,000 | 4,376 |
| Premises and equipment expense | $209,000 | 4,581 |
| Additional noninterest expense | $855,000 | 2,720 |
| Pre-tax net operating income | $957,000 | 3,619 |
| Securities gains (losses) | $31,000 | 2,340 |
| Applicable income taxes | $261,000 | 3,477 |
| Income before extraordinary items | $727,000 | 3,764 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $727,000 | 3,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 249 |
| Net operating income | $704,060 | 3,651 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,495,000 | 2,922 |
| Total interest expense | $1,205,000 | 2,044 |
| Net interest income | $1,290,000 | 3,603 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $186,000 | 4,340 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $56,000 | 4,926 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $130,000 | 3,466 |
| Total noninterest expense | $937,000 | 3,862 |
| Salaries and employee benefits | $436,000 | 4,349 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $402,000 | 2,849 |
| Pre-tax net operating income | $464,000 | 3,680 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $124,000 | 3,565 |
| Income before extraordinary items | $340,000 | 3,883 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $340,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $600,000 | 127 |
| Net operating income | $340,000 | 3,703 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,597,000 | 3,128 |
| Total interest expense | $4,508,000 | 2,465 |
| Net interest income | $5,089,000 | 3,619 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $274,000 | 6,666 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $202,000 | 5,168 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $72,000 | 7,036 |
| Total noninterest expense | $3,171,000 | 4,288 |
| Salaries and employee benefits | $1,404,000 | 4,927 |
| Premises and equipment expense | $371,000 | 4,903 |
| Additional noninterest expense | $1,396,000 | 3,137 |
| Pre-tax net operating income | $1,592,000 | 3,948 |
| Securities gains (losses) | $28,000 | 2,890 |
| Applicable income taxes | $435,000 | 3,723 |
| Income before extraordinary items | $1,185,000 | 4,122 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,185,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,566 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 428 |
| Net operating income | $1,164,560 | 4,065 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,406,000 | 4,272 |
| Total interest expense | $4,611,000 | 3,382 |
| Net interest income | $2,795,000 | 5,324 |
| Provision for loan and lease losses | $295,000 | 3,263 |
| Total noninterest income | $121,000 | 8,222 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $71,000 | 7,149 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $50,000 | 7,689 |
| Total noninterest expense | $1,880,000 | 5,972 |
| Salaries and employee benefits | $890,000 | 6,412 |
| Premises and equipment expense | $228,000 | 6,383 |
| Additional noninterest expense | $762,000 | 4,960 |
| Pre-tax net operating income | $741,000 | 5,681 |
| Securities gains (losses) | $52,000 | 2,305 |
| Applicable income taxes | $220,000 | 4,856 |
| Income before extraordinary items | $573,000 | 5,744 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $573,000 | 5,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 251 |
| Net operating income | $535,560 | 5,789 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,268,000 | 6,276 |
| Total interest expense | $3,190,000 | 4,697 |
| Net interest income | $1,078,000 | 8,324 |
| Provision for loan and lease losses | $88,000 | 5,585 |
| Total noninterest income | $26,000 | 9,625 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,267 |
| Total noninterest expense | $1,002,000 | 8,010 |
| Salaries and employee benefits | $450,000 | 8,498 |
| Premises and equipment expense | $129,000 | 7,936 |
| Additional noninterest expense | $423,000 | 6,980 |
| Pre-tax net operating income | $14,000 | 9,073 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $6,000 | 8,174 |
| Income before extraordinary items | $9,000 | 9,110 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,000 | 9,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 320 |
| Net operating income | $8,360 | 9,099 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,033,000 | 9,588 |
| Total interest expense | $665,000 | 9,029 |
| Net interest income | $368,000 | 9,871 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $1,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 8,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $494,000 | 9,641 |
| Salaries and employee benefits | $197,000 | 9,928 |
| Premises and equipment expense | $47,000 | 9,694 |
| Additional noninterest expense | $250,000 | 8,555 |
| Pre-tax net operating income | $-155,000 | 9,582 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-51,000 | 9,831 |
| Income before extraordinary items | $-104,000 | 9,580 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-104,000 | 9,578 |
| 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 | $4,000,000 | 298 |
| Net operating income | $-104,000 | 9,558 |
* 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.