Home > Sound Federal Savings > Income and Expense
Sound Federal Savings, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $29,165,000 | 666 |
| Total interest expense | $15,333,000 | 533 |
| Net interest income | $13,832,000 | 819 |
| Provision for loan and lease losses | $75,000 | 3,786 |
| Total noninterest income | $792,000 | 2,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $792,000 | 1,613 |
| Total noninterest expense | $10,978,000 | 815 |
| Salaries and employee benefits | $6,555,000 | 730 |
| Premises and equipment expense | $2,159,000 | 596 |
| Additional noninterest expense | $2,264,000 | 1,199 |
| Pre-tax net operating income | $3,571,000 | 1,418 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,518,000 | 982 |
| Income before extraordinary items | $2,053,000 | 1,778 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,053,000 | 1,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $909,000 | 275 |
| Net operating income | $2,053,000 | 1,765 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $14,166,000 | 667 |
| Total interest expense | $7,141,000 | 531 |
| Net interest income | $7,025,000 | 801 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $384,000 | 2,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $384,000 | 1,617 |
| Total noninterest expense | $5,531,000 | 805 |
| Salaries and employee benefits | $3,219,000 | 742 |
| Premises and equipment expense | $1,125,000 | 572 |
| Additional noninterest expense | $1,187,000 | 1,130 |
| Pre-tax net operating income | $1,803,000 | 1,359 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $747,000 | 991 |
| Income before extraordinary items | $1,056,000 | 1,698 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,056,000 | 1,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $461,000 | 190 |
| Net operating income | $1,056,000 | 1,685 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $48,180,000 | 674 |
| Total interest expense | $21,812,000 | 544 |
| Net interest income | $26,368,000 | 802 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $1,994,000 | 2,215 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,994,000 | 1,368 |
| Total noninterest expense | $20,323,000 | 829 |
| Salaries and employee benefits | $11,741,000 | 761 |
| Premises and equipment expense | $4,417,000 | 553 |
| Additional noninterest expense | $4,165,000 | 1,247 |
| Pre-tax net operating income | $7,739,000 | 1,228 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,033,000 | 943 |
| Income before extraordinary items | $4,706,000 | 1,501 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,706,000 | 1,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,503 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,259,000 | 451 |
| Net operating income | $4,706,000 | 1,481 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $34,806,000 | 678 |
| Total interest expense | $15,158,000 | 547 |
| Net interest income | $19,648,000 | 803 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $1,627,000 | 2,084 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,627,000 | 1,277 |
| Total noninterest expense | $15,116,000 | 832 |
| Salaries and employee benefits | $8,630,000 | 776 |
| Premises and equipment expense | $3,297,000 | 554 |
| Additional noninterest expense | $3,189,000 | 1,195 |
| Pre-tax net operating income | $5,934,000 | 1,204 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,329,000 | 950 |
| Income before extraordinary items | $3,605,000 | 1,480 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,605,000 | 1,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,995 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $886,000 | 365 |
| Net operating income | $3,605,000 | 1,455 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $22,472,000 | 684 |
| Total interest expense | $9,369,000 | 552 |
| Net interest income | $13,103,000 | 796 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $819,000 | 2,492 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $819,000 | 1,547 |
| Total noninterest expense | $10,148,000 | 823 |
| Salaries and employee benefits | $5,655,000 | 787 |
| Premises and equipment expense | $2,164,000 | 552 |
| Additional noninterest expense | $2,329,000 | 1,078 |
| Pre-tax net operating income | $3,624,000 | 1,292 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,427,000 | 1,000 |
| Income before extraordinary items | $2,197,000 | 1,569 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,197,000 | 1,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $601,000 | 273 |
| Net operating income | $2,197,000 | 1,546 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $10,918,000 | 690 |
| Total interest expense | $4,335,000 | 561 |
| Net interest income | $6,583,000 | 786 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $432,000 | 2,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $432,000 | 1,467 |
| Total noninterest expense | $5,099,000 | 816 |
| Salaries and employee benefits | $2,708,000 | 818 |
| Premises and equipment expense | $1,118,000 | 534 |
| Additional noninterest expense | $1,273,000 | 982 |
| Pre-tax net operating income | $1,841,000 | 1,241 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $722,000 | 982 |
| Income before extraordinary items | $1,119,000 | 1,514 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,119,000 | 1,515 |
| 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 | $219,000 | 208 |
| Net operating income | $1,119,000 | 1,490 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $41,077,000 | 677 |
| Total interest expense | $14,578,000 | 564 |
| Net interest income | $26,499,000 | 734 |
| Provision for loan and lease losses | $300,000 | 2,900 |
| Total noninterest income | $1,421,000 | 2,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,421,000 | 1,705 |
| Total noninterest expense | $17,912,000 | 916 |
| Salaries and employee benefits | $10,397,000 | 828 |
| Premises and equipment expense | $3,809,000 | 609 |
| Additional noninterest expense | $3,706,000 | 1,344 |
| Pre-tax net operating income | $9,708,000 | 904 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $3,731,000 | 758 |
| Income before extraordinary items | $5,977,000 | 1,086 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,977,000 | 1,087 |
| 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 | $6,197,000 | 194 |
| Net operating income | $5,977,000 | 1,065 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $30,307,000 | 682 |
| Total interest expense | $10,470,000 | 577 |
| Net interest income | $19,837,000 | 730 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $1,012,000 | 2,900 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,012,000 | 1,754 |
| Total noninterest expense | $13,312,000 | 915 |
| Salaries and employee benefits | $7,772,000 | 828 |
| Premises and equipment expense | $2,799,000 | 624 |
| Additional noninterest expense | $2,741,000 | 1,351 |
| Pre-tax net operating income | $7,312,000 | 911 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,774,000 | 777 |
| Income before extraordinary items | $4,538,000 | 1,083 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,538,000 | 1,084 |
| 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 | $5,888,000 | 149 |
| Net operating income | $4,538,000 | 1,050 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $19,717,000 | 690 |
| Total interest expense | $6,588,000 | 604 |
| Net interest income | $13,129,000 | 728 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $681,000 | 2,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $681,000 | 1,752 |
| Total noninterest expense | $8,719,000 | 928 |
| Salaries and employee benefits | $5,174,000 | 824 |
| Premises and equipment expense | $1,850,000 | 625 |
| Additional noninterest expense | $1,695,000 | 1,430 |
| Pre-tax net operating income | $4,941,000 | 881 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,865,000 | 763 |
| Income before extraordinary items | $3,076,000 | 1,074 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,076,000 | 1,075 |
| 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 | $5,618,000 | 98 |
| Net operating income | $3,076,000 | 1,030 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $9,861,000 | 698 |
| Total interest expense | $3,192,000 | 633 |
| Net interest income | $6,669,000 | 729 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $304,000 | 3,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $304,000 | 1,867 |
| Total noninterest expense | $4,385,000 | 931 |
| Salaries and employee benefits | $2,684,000 | 811 |
| Premises and equipment expense | $893,000 | 651 |
| Additional noninterest expense | $808,000 | 1,487 |
| Pre-tax net operating income | $2,513,000 | 857 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $918,000 | 783 |
| Income before extraordinary items | $1,595,000 | 1,029 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,595,000 | 1,029 |
| 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 | $5,618,000 | 52 |
| Net operating income | $1,595,000 | 968 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $38,923,000 | 723 |
| Total interest expense | $13,285,000 | 667 |
| Net interest income | $25,638,000 | 741 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $1,298,000 | 3,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,298,000 | 2,010 |
| Total noninterest expense | $14,725,000 | 1,101 |
| Salaries and employee benefits | $8,072,000 | 1,050 |
| Premises and equipment expense | $3,203,000 | 714 |
| Additional noninterest expense | $3,450,000 | 1,417 |
| Pre-tax net operating income | $11,911,000 | 737 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $4,646,000 | 656 |
| Income before extraordinary items | $7,265,000 | 894 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,265,000 | 896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,839 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $37,993,000 | 26 |
| Net operating income | $7,265,000 | 833 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $29,027,000 | 750 |
| Total interest expense | $9,849,000 | 704 |
| Net interest income | $19,178,000 | 753 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $1,018,000 | 3,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,018,000 | 2,026 |
| Total noninterest expense | $10,800,000 | 1,133 |
| Salaries and employee benefits | $5,922,000 | 1,077 |
| Premises and equipment expense | $2,304,000 | 755 |
| Additional noninterest expense | $2,574,000 | 1,431 |
| Pre-tax net operating income | $9,171,000 | 744 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $3,603,000 | 671 |
| Income before extraordinary items | $5,568,000 | 915 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,568,000 | 915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,971 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $37,993,000 | 16 |
| Net operating income | $5,568,000 | 841 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,769,000 | 737 |
| Total interest expense | $6,653,000 | 714 |
| Net interest income | $13,116,000 | 728 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $694,000 | 3,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $694,000 | 1,983 |
| Total noninterest expense | $7,235,000 | 1,129 |
| Salaries and employee benefits | $3,863,000 | 1,097 |
| Premises and equipment expense | $1,503,000 | 772 |
| Additional noninterest expense | $1,869,000 | 1,319 |
| Pre-tax net operating income | $6,425,000 | 706 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,484,000 | 651 |
| Income before extraordinary items | $3,941,000 | 855 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,941,000 | 856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,310 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $37,993,000 | 14 |
| Net operating income | $3,941,000 | 788 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,039,000 | 736 |
| Total interest expense | $3,289,000 | 739 |
| Net interest income | $6,750,000 | 708 |
| Provision for loan and lease losses | $100,000 | 2,353 |
| Total noninterest income | $329,000 | 3,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $329,000 | 1,980 |
| Total noninterest expense | $3,289,000 | 1,223 |
| Salaries and employee benefits | $1,847,000 | 1,145 |
| Premises and equipment expense | $675,000 | 851 |
| Additional noninterest expense | $767,000 | 1,543 |
| Pre-tax net operating income | $3,690,000 | 622 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,420,000 | 589 |
| Income before extraordinary items | $2,270,000 | 750 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,270,000 | 749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 1,835 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $37,993,000 | 6 |
| Net operating income | $2,270,000 | 690 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $38,693,000 | 779 |
| Total interest expense | $14,352,000 | 780 |
| Net interest income | $24,341,000 | 779 |
| Provision for loan and lease losses | $225,000 | 4,105 |
| Total noninterest income | $864,000 | 3,807 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $864,000 | 2,380 |
| Total noninterest expense | $12,215,000 | 1,256 |
| Salaries and employee benefits | $6,109,000 | 1,334 |
| Premises and equipment expense | $2,772,000 | 793 |
| Additional noninterest expense | $3,334,000 | 1,418 |
| Pre-tax net operating income | $12,765,000 | 686 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $4,732,000 | 618 |
| Income before extraordinary items | $8,033,000 | 791 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,033,000 | 791 |
| 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 | $8,033,000 | 761 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $38,657,000 | 883 |
| Total interest expense | $21,432,000 | 764 |
| Net interest income | $17,225,000 | 1,044 |
| Provision for loan and lease losses | $175,000 | 4,458 |
| Total noninterest income | $2,212,000 | 1,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,212,000 | 1,154 |
| Total noninterest expense | $11,348,000 | 1,279 |
| Salaries and employee benefits | $5,415,000 | 1,387 |
| Premises and equipment expense | $3,049,000 | 704 |
| Additional noninterest expense | $2,884,000 | 1,611 |
| Pre-tax net operating income | $7,914,000 | 954 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,086,000 | 826 |
| Income before extraordinary items | $4,828,000 | 1,129 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,828,000 | 1,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $10,000 | 6,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,828,000 | 1,091 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $29,617,000 | 1,187 |
| Total interest expense | $16,714,000 | 1,058 |
| Net interest income | $12,903,000 | 1,360 |
| Provision for loan and lease losses | $183,000 | 3,922 |
| Total noninterest income | $473,000 | 5,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $473,000 | 3,040 |
| Total noninterest expense | $8,904,000 | 1,577 |
| Salaries and employee benefits | $4,392,000 | 1,620 |
| Premises and equipment expense | $1,976,000 | 1,012 |
| Additional noninterest expense | $2,536,000 | 1,752 |
| Pre-tax net operating income | $4,289,000 | 1,710 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,883,000 | 1,234 |
| Income before extraordinary items | $2,406,000 | 2,156 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,406,000 | 2,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,301 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,406,000 | 2,158 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,584,000 | 1,655 |
| Total interest expense | $9,816,000 | 1,531 |
| Net interest income | $9,768,000 | 1,779 |
| Provision for loan and lease losses | $125,000 | 4,648 |
| Total noninterest income | $396,000 | 5,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $396,000 | 3,447 |
| Total noninterest expense | $6,496,000 | 2,099 |
| Salaries and employee benefits | $3,382,000 | 2,074 |
| Premises and equipment expense | $1,226,000 | 1,666 |
| Additional noninterest expense | $1,888,000 | 2,317 |
| Pre-tax net operating income | $3,543,000 | 2,064 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,316,000 | 1,765 |
| Income before extraordinary items | $2,227,000 | 2,330 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,227,000 | 2,331 |
| 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 | $2,227,000 | 2,303 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,899,000 | 1,811 |
| Total interest expense | $9,118,000 | 1,687 |
| Net interest income | $8,781,000 | 1,948 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $256,000 | 6,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $256,000 | 4,369 |
| Total noninterest expense | $4,505,000 | 2,887 |
| Salaries and employee benefits | $2,770,000 | 2,437 |
| Premises and equipment expense | $692,000 | 2,790 |
| Additional noninterest expense | $1,043,000 | 3,817 |
| Pre-tax net operating income | $4,475,000 | 1,651 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,707,000 | 1,449 |
| Income before extraordinary items | $2,768,000 | 1,890 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,768,000 | 1,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-133,000 | 10,305 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $9,057,000 | 114 |
| Net operating income | $2,768,000 | 1,819 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,385,000 | 1,899 |
| Total interest expense | $8,574,000 | 1,809 |
| Net interest income | $8,811,000 | 1,971 |
| Provision for loan and lease losses | $197,000 | 3,492 |
| Total noninterest income | $278,000 | 6,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $278,000 | 4,098 |
| Total noninterest expense | $3,991,000 | 3,185 |
| Salaries and employee benefits | $2,227,000 | 2,977 |
| Premises and equipment expense | $617,000 | 3,068 |
| Additional noninterest expense | $1,147,000 | 3,479 |
| Pre-tax net operating income | $4,901,000 | 1,576 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,615,000 | 1,601 |
| Income before extraordinary items | $3,286,000 | 1,643 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,286,000 | 1,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,440 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,286,000 | 1,603 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,328,000 | 2,070 |
| Total interest expense | $7,855,000 | 1,999 |
| Net interest income | $8,473,000 | 2,114 |
| Provision for loan and lease losses | $8,000 | 8,671 |
| Total noninterest income | $271,000 | 7,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $271,000 | 4,324 |
| Total noninterest expense | $5,662,000 | 2,429 |
| Salaries and employee benefits | $2,070,000 | 3,231 |
| Premises and equipment expense | $602,000 | 3,201 |
| Additional noninterest expense | $2,990,000 | 1,741 |
| Pre-tax net operating income | $3,074,000 | 2,318 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,310,000 | 1,836 |
| Income before extraordinary items | $1,764,000 | 2,750 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,764,000 | 2,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 10,693 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,764,000 | 2,709 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,480,000 | 2,182 |
| Total interest expense | $7,529,000 | 2,082 |
| Net interest income | $7,951,000 | 2,263 |
| Provision for loan and lease losses | $170,000 | 3,392 |
| Total noninterest income | $178,000 | 8,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $178,000 | 5,476 |
| Total noninterest expense | $4,276,000 | 3,133 |
| Salaries and employee benefits | $2,009,000 | 3,295 |
| Premises and equipment expense | $571,000 | 3,347 |
| Additional noninterest expense | $1,696,000 | 2,761 |
| Pre-tax net operating income | $3,683,000 | 1,999 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,310,000 | 1,853 |
| Income before extraordinary items | $2,373,000 | 2,135 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,373,000 | 2,133 |
| 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 | $2,373,000 | 2,094 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,746,000 | 2,226 |
| Total interest expense | $5,127,000 | 2,405 |
| Net interest income | $8,619,000 | 2,085 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $138,000 | 9,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $138,000 | 6,471 |
| Total noninterest expense | $4,150,000 | 3,314 |
| Salaries and employee benefits | $1,873,000 | 3,482 |
| Premises and equipment expense | $539,000 | 3,570 |
| Additional noninterest expense | $1,738,000 | 2,908 |
| Pre-tax net operating income | $4,457,000 | 1,608 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,590,000 | 1,475 |
| Income before extraordinary items | $2,867,000 | 1,712 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,867,000 | 1,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,867,000 | 1,719 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,602,000 | 2,285 |
| Total interest expense | $5,476,000 | 2,363 |
| Net interest income | $8,126,000 | 2,210 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $191,000 | 9,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $191,000 | 5,807 |
| Total noninterest expense | $3,806,000 | 3,642 |
| Salaries and employee benefits | $1,763,000 | 3,681 |
| Premises and equipment expense | $512,000 | 3,782 |
| Additional noninterest expense | $1,531,000 | 3,454 |
| Pre-tax net operating income | $4,381,000 | 1,589 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,495,000 | 1,557 |
| Income before extraordinary items | $2,886,000 | 1,740 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,886,000 | 1,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 11,292 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,886,000 | 1,644 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,265,000 | 2,460 |
| Total interest expense | $6,809,000 | 2,476 |
| Net interest income | $7,456,000 | 2,427 |
| Provision for loan and lease losses | $155,000 | 5,991 |
| Total noninterest income | $176,000 | 9,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $176,000 | 6,108 |
| Total noninterest expense | $3,575,000 | 3,863 |
| Salaries and employee benefits | $1,726,000 | 3,705 |
| Premises and equipment expense | $507,000 | 3,914 |
| Additional noninterest expense | $1,342,000 | 3,933 |
| Pre-tax net operating income | $3,902,000 | 1,592 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,201,000 | 1,758 |
| Income before extraordinary items | $2,701,000 | 1,702 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,701,000 | 1,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,701,000 | 1,568 |
* 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.