Home > Signature Bank > Income and Expense
Signature Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,581,000 | 2,221 |
| Total interest expense | $7,314,000 | 2,204 |
| Net interest income | $10,267,000 | 2,248 |
| Provision for loan and lease losses | $1,677,000 | 652 |
| Total noninterest income | $1,139,000 | 3,241 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $452,000 | 3,277 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $687,000 | 2,793 |
| Total noninterest expense | $7,687,000 | 2,309 |
| Salaries and employee benefits | $4,533,000 | 2,155 |
| Premises and equipment expense | $1,226,000 | 2,041 |
| Additional noninterest expense | $1,928,000 | 2,661 |
| Pre-tax net operating income | $2,042,000 | 3,591 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $582,000 | 2,928 |
| Income before extraordinary items | $1,460,000 | 3,828 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,460,000 | 3,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,106,000 | 629 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,460,000 | 3,808 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,832,000 | 2,267 |
| Total interest expense | $5,168,000 | 2,256 |
| Net interest income | $7,664,000 | 2,273 |
| Provision for loan and lease losses | $557,000 | 1,282 |
| Total noninterest income | $850,000 | 3,267 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $329,000 | 3,367 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $521,000 | 2,787 |
| Total noninterest expense | $5,688,000 | 2,323 |
| Salaries and employee benefits | $3,336,000 | 2,202 |
| Premises and equipment expense | $895,000 | 2,101 |
| Additional noninterest expense | $1,457,000 | 2,629 |
| Pre-tax net operating income | $2,269,000 | 2,853 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $725,000 | 2,342 |
| Income before extraordinary items | $1,544,000 | 3,144 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,544,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,992 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,544,000 | 3,134 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,204,000 | 2,319 |
| Total interest expense | $3,149,000 | 2,326 |
| Net interest income | $5,055,000 | 2,307 |
| Provision for loan and lease losses | $444,000 | 1,093 |
| Total noninterest income | $568,000 | 3,233 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $211,000 | 3,431 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $357,000 | 2,724 |
| Total noninterest expense | $3,710,000 | 2,380 |
| Salaries and employee benefits | $2,203,000 | 2,230 |
| Premises and equipment expense | $557,000 | 2,232 |
| Additional noninterest expense | $950,000 | 2,693 |
| Pre-tax net operating income | $1,469,000 | 2,915 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $493,000 | 2,333 |
| Income before extraordinary items | $976,000 | 3,273 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $976,000 | 3,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,225 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $976,000 | 3,264 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,848,000 | 2,404 |
| Total interest expense | $1,428,000 | 2,418 |
| Net interest income | $2,420,000 | 2,388 |
| Provision for loan and lease losses | $241,000 | 962 |
| Total noninterest income | $250,000 | 3,467 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $101,000 | 3,453 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $149,000 | 2,973 |
| Total noninterest expense | $1,774,000 | 2,497 |
| Salaries and employee benefits | $1,064,000 | 2,311 |
| Premises and equipment expense | $247,000 | 2,492 |
| Additional noninterest expense | $463,000 | 2,734 |
| Pre-tax net operating income | $655,000 | 3,123 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $227,000 | 2,423 |
| Income before extraordinary items | $428,000 | 3,514 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $428,000 | 3,513 |
| 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 | $428,000 | 3,496 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,777,000 | 2,755 |
| Total interest expense | $3,669,000 | 2,838 |
| Net interest income | $8,108,000 | 2,661 |
| Provision for loan and lease losses | $657,000 | 1,518 |
| Total noninterest income | $797,000 | 4,055 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $306,000 | 4,127 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $491,000 | 3,397 |
| Total noninterest expense | $5,568,000 | 2,945 |
| Salaries and employee benefits | $3,086,000 | 2,904 |
| Premises and equipment expense | $840,000 | 2,764 |
| Additional noninterest expense | $1,642,000 | 3,011 |
| Pre-tax net operating income | $2,680,000 | 3,013 |
| Securities gains (losses) | $-163,000 | 8,542 |
| Applicable income taxes | $887,000 | 2,431 |
| Income before extraordinary items | $1,630,000 | 3,588 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,630,000 | 3,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,288 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,735,950 | 3,426 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,256,000 | 2,859 |
| Total interest expense | $2,534,000 | 2,905 |
| Net interest income | $5,722,000 | 2,795 |
| Provision for loan and lease losses | $437,000 | 1,602 |
| Total noninterest income | $566,000 | 4,196 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $221,000 | 4,251 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $345,000 | 3,551 |
| Total noninterest expense | $3,980,000 | 3,040 |
| Salaries and employee benefits | $2,223,000 | 2,964 |
| Premises and equipment expense | $606,000 | 2,864 |
| Additional noninterest expense | $1,151,000 | 3,138 |
| Pre-tax net operating income | $1,871,000 | 3,210 |
| Securities gains (losses) | $-54,000 | 8,503 |
| Applicable income taxes | $651,000 | 2,507 |
| Income before extraordinary items | $1,166,000 | 3,748 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,166,000 | 3,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,200,560 | 3,632 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,137,000 | 2,962 |
| Total interest expense | $1,511,000 | 3,023 |
| Net interest income | $3,626,000 | 2,914 |
| Provision for loan and lease losses | $257,000 | 1,740 |
| Total noninterest income | $362,000 | 4,292 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $134,000 | 4,409 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $228,000 | 3,531 |
| Total noninterest expense | $2,517,000 | 3,175 |
| Salaries and employee benefits | $1,402,000 | 3,108 |
| Premises and equipment expense | $395,000 | 2,874 |
| Additional noninterest expense | $720,000 | 3,290 |
| Pre-tax net operating income | $1,214,000 | 3,218 |
| Securities gains (losses) | $-54,000 | 8,610 |
| Applicable income taxes | $409,000 | 2,578 |
| Income before extraordinary items | $751,000 | 3,777 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $751,000 | 3,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $786,100 | 3,624 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,471,000 | 3,019 |
| Total interest expense | $727,000 | 3,025 |
| Net interest income | $1,744,000 | 3,001 |
| Provision for loan and lease losses | $188,000 | 1,182 |
| Total noninterest income | $178,000 | 4,283 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $61,000 | 4,567 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $117,000 | 3,447 |
| Total noninterest expense | $1,172,000 | 3,376 |
| Salaries and employee benefits | $651,000 | 3,315 |
| Premises and equipment expense | $191,000 | 2,991 |
| Additional noninterest expense | $330,000 | 3,527 |
| Pre-tax net operating income | $562,000 | 3,379 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $192,000 | 2,667 |
| Income before extraordinary items | $372,000 | 3,804 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $372,000 | 3,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $370,680 | 3,779 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,179,000 | 3,730 |
| Total interest expense | $2,095,000 | 3,512 |
| Net interest income | $5,084,000 | 3,764 |
| Provision for loan and lease losses | $516,000 | 1,911 |
| Total noninterest income | $558,000 | 5,000 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $223,000 | 4,988 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $335,000 | 4,065 |
| Total noninterest expense | $3,799,000 | 3,905 |
| Salaries and employee benefits | $2,118,000 | 3,807 |
| Premises and equipment expense | $712,000 | 3,089 |
| Additional noninterest expense | $969,000 | 4,459 |
| Pre-tax net operating income | $1,327,000 | 4,546 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $484,000 | 3,407 |
| Income before extraordinary items | $848,000 | 5,130 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $848,000 | 5,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,038 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $844,800 | 5,068 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,061,000 | 3,902 |
| Total interest expense | $1,511,000 | 3,576 |
| Net interest income | $3,550,000 | 3,964 |
| Provision for loan and lease losses | $330,000 | 2,085 |
| Total noninterest income | $428,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $163,000 | 5,094 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $265,000 | 3,959 |
| Total noninterest expense | $2,811,000 | 3,911 |
| Salaries and employee benefits | $1,365,000 | 4,280 |
| Premises and equipment expense | $586,000 | 2,843 |
| Additional noninterest expense | $860,000 | 3,862 |
| Pre-tax net operating income | $837,000 | 5,065 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $307,000 | 3,759 |
| Income before extraordinary items | $535,000 | 5,644 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $535,000 | 5,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,126 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $531,800 | 5,596 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,234,000 | 4,028 |
| Total interest expense | $999,000 | 3,600 |
| Net interest income | $2,235,000 | 4,136 |
| Provision for loan and lease losses | $270,000 | 1,719 |
| Total noninterest income | $276,000 | 5,022 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $108,000 | 5,108 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $168,000 | 4,095 |
| Total noninterest expense | $1,841,000 | 3,999 |
| Salaries and employee benefits | $1,009,000 | 3,946 |
| Premises and equipment expense | $352,000 | 3,110 |
| Additional noninterest expense | $480,000 | 4,448 |
| Pre-tax net operating income | $400,000 | 5,857 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $149,000 | 4,261 |
| Income before extraordinary items | $251,000 | 6,437 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $251,000 | 6,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $251,000 | 6,343 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,568,000 | 4,137 |
| Total interest expense | $479,000 | 3,776 |
| Net interest income | $1,089,000 | 4,209 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $157,000 | 4,665 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $52,000 | 5,121 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $105,000 | 3,606 |
| Total noninterest expense | $924,000 | 4,012 |
| Salaries and employee benefits | $515,000 | 3,911 |
| Premises and equipment expense | $166,000 | 3,298 |
| Additional noninterest expense | $243,000 | 4,416 |
| Pre-tax net operating income | $172,000 | 6,158 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $65,000 | 4,461 |
| Income before extraordinary items | $107,000 | 6,747 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $107,000 | 6,749 |
| 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 | $107,000 | 6,629 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,336,000 | 4,677 |
| Total interest expense | $1,727,000 | 4,477 |
| Net interest income | $3,609,000 | 4,693 |
| Provision for loan and lease losses | $420,000 | 2,478 |
| Total noninterest income | $429,000 | 5,814 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $191,000 | 5,363 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $238,000 | 4,947 |
| Total noninterest expense | $2,799,000 | 4,830 |
| Salaries and employee benefits | $1,550,000 | 4,750 |
| Premises and equipment expense | $527,000 | 3,900 |
| Additional noninterest expense | $722,000 | 5,396 |
| Pre-tax net operating income | $819,000 | 5,649 |
| Securities gains (losses) | $24,000 | 3,094 |
| Applicable income taxes | $320,000 | 4,188 |
| Income before extraordinary items | $523,000 | 6,243 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $523,000 | 6,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 3,146 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $242,000 | 572 |
| Net operating income | $507,640 | 6,148 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,891,000 | 4,819 |
| Total interest expense | $1,285,000 | 4,612 |
| Net interest income | $2,606,000 | 4,826 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $292,000 | 6,073 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $135,000 | 5,524 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $157,000 | 5,250 |
| Total noninterest expense | $2,033,000 | 4,922 |
| Salaries and employee benefits | $1,113,000 | 4,866 |
| Premises and equipment expense | $388,000 | 3,947 |
| Additional noninterest expense | $532,000 | 5,435 |
| Pre-tax net operating income | $595,000 | 5,901 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $226,000 | 4,457 |
| Income before extraordinary items | $369,000 | 6,542 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $369,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,905 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $167,000 | 470 |
| Net operating income | $369,000 | 6,371 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,540,000 | 4,939 |
| Total interest expense | $862,000 | 4,706 |
| Net interest income | $1,678,000 | 4,940 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $189,000 | 6,125 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $92,000 | 5,460 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $97,000 | 5,371 |
| Total noninterest expense | $1,323,000 | 4,995 |
| Salaries and employee benefits | $727,000 | 4,935 |
| Premises and equipment expense | $252,000 | 4,016 |
| Additional noninterest expense | $344,000 | 5,522 |
| Pre-tax net operating income | $364,000 | 6,080 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $139,000 | 4,626 |
| Income before extraordinary items | $225,000 | 6,744 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $225,000 | 6,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,223 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $167,000 | 350 |
| Net operating income | $225,000 | 6,545 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,240,000 | 5,043 |
| Total interest expense | $415,000 | 4,928 |
| Net interest income | $825,000 | 4,985 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $109,000 | 5,690 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $635,000 | 5,154 |
| Salaries and employee benefits | $350,000 | 5,087 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $165,000 | 5,630 |
| Pre-tax net operating income | $209,000 | 5,741 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $81,000 | 4,334 |
| Income before extraordinary items | $128,000 | 6,406 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $128,000 | 6,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $163,000 | 201 |
| Net operating income | $128,000 | 6,226 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,943,000 | 5,950 |
| Total interest expense | $1,400,000 | 5,933 |
| Net interest income | $2,543,000 | 5,842 |
| Provision for loan and lease losses | $315,000 | 3,321 |
| Total noninterest income | $355,000 | 6,066 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $201,000 | 5,177 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $154,000 | 5,539 |
| Total noninterest expense | $2,129,000 | 5,651 |
| Salaries and employee benefits | $1,130,000 | 5,714 |
| Premises and equipment expense | $433,000 | 4,376 |
| Additional noninterest expense | $566,000 | 6,123 |
| Pre-tax net operating income | $454,000 | 6,946 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $182,000 | 5,244 |
| Income before extraordinary items | $273,000 | 7,459 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $273,000 | 7,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,914 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $3,793,000 | 196 |
| Net operating income | $272,360 | 7,365 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,956,000 | 7,299 |
| Total interest expense | $1,345,000 | 7,309 |
| Net interest income | $1,611,000 | 7,133 |
| Provision for loan and lease losses | $203,000 | 4,092 |
| Total noninterest income | $246,000 | 6,896 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $129,000 | 6,100 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $117,000 | 6,058 |
| Total noninterest expense | $1,647,000 | 6,462 |
| Salaries and employee benefits | $848,000 | 6,592 |
| Premises and equipment expense | $309,000 | 5,432 |
| Additional noninterest expense | $490,000 | 6,503 |
| Pre-tax net operating income | $7,000 | 8,689 |
| Securities gains (losses) | $34,000 | 2,711 |
| Applicable income taxes | $15,000 | 7,441 |
| Income before extraordinary items | $26,000 | 8,705 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $26,000 | 8,704 |
| 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 | $4,240 | 8,719 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,782,000 | 8,647 |
| Total interest expense | $944,000 | 8,336 |
| Net interest income | $838,000 | 8,818 |
| Provision for loan and lease losses | $182,000 | 3,925 |
| Total noninterest income | $73,000 | 8,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 8,025 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,167 |
| Total noninterest expense | $1,040,000 | 7,903 |
| Salaries and employee benefits | $573,000 | 7,847 |
| Premises and equipment expense | $167,000 | 7,292 |
| Additional noninterest expense | $300,000 | 7,949 |
| Pre-tax net operating income | $-311,000 | 9,424 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $-114,000 | 9,604 |
| Income before extraordinary items | $-196,000 | 9,373 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-196,000 | 9,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-196,640 | 9,372 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $180,000 | 10,132 |
| Total interest expense | $41,000 | 10,115 |
| Net interest income | $139,000 | 10,117 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $5,000 | 10,104 |
| 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 | $4,000 | 10,002 |
| Total noninterest expense | $760,000 | 8,845 |
| Salaries and employee benefits | $223,000 | 9,825 |
| Premises and equipment expense | $58,000 | 9,477 |
| Additional noninterest expense | $474,000 | 6,716 |
| Pre-tax net operating income | $-676,000 | 9,959 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-255,000 | 10,071 |
| Income before extraordinary items | $-421,000 | 9,858 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-421,000 | 9,855 |
| 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 | $6,050,000 | 193 |
| Net operating income | $-421,000 | 9,836 |
* 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.