Home > South Pointe Bank > Income and Expense
South Pointe Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,677,000 | 3,168 |
| Total interest expense | $4,378,000 | 2,577 |
| Net interest income | $4,299,000 | 3,673 |
| Provision for loan and lease losses | $30,000 | 5,631 |
| Total noninterest income | $987,000 | 2,943 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $494,000 | 2,504 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $493,000 | 2,865 |
| Total noninterest expense | $4,352,000 | 2,951 |
| Salaries and employee benefits | $2,126,000 | 3,286 |
| Premises and equipment expense | $706,000 | 2,620 |
| Additional noninterest expense | $1,520,000 | 2,526 |
| Pre-tax net operating income | $904,000 | 4,951 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $209,000 | 4,083 |
| Income before extraordinary items | $695,000 | 5,013 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $695,000 | 5,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 1,903 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $695,000 | 5,013 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,794,000 | 3,121 |
| Total interest expense | $2,817,000 | 2,570 |
| Net interest income | $2,977,000 | 3,569 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $622,000 | 3,047 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $311,000 | 2,595 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $311,000 | 2,947 |
| Total noninterest expense | $2,885,000 | 2,983 |
| Salaries and employee benefits | $1,397,000 | 3,330 |
| Premises and equipment expense | $520,000 | 2,387 |
| Additional noninterest expense | $968,000 | 2,642 |
| Pre-tax net operating income | $684,000 | 4,686 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $169,000 | 3,840 |
| Income before extraordinary items | $515,000 | 4,806 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $515,000 | 4,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 1,530 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $515,000 | 4,794 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,835,000 | 3,119 |
| Total interest expense | $1,354,000 | 2,539 |
| Net interest income | $1,481,000 | 3,573 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $327,000 | 2,911 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $141,000 | 2,720 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $186,000 | 2,618 |
| Total noninterest expense | $1,389,000 | 3,084 |
| Salaries and employee benefits | $684,000 | 3,395 |
| Premises and equipment expense | $261,000 | 2,387 |
| Additional noninterest expense | $444,000 | 2,841 |
| Pre-tax net operating income | $389,000 | 4,342 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $99,000 | 3,605 |
| Income before extraordinary items | $290,000 | 4,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $290,000 | 4,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $290,000 | 4,485 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,008,000 | 2,905 |
| Total interest expense | $4,677,000 | 2,344 |
| Net interest income | $6,331,000 | 3,281 |
| Provision for loan and lease losses | $1,533,000 | 697 |
| Total noninterest income | $1,297,000 | 2,965 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $681,000 | 2,399 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $616,000 | 3,009 |
| Total noninterest expense | $6,120,000 | 2,703 |
| Salaries and employee benefits | $3,144,000 | 2,852 |
| Premises and equipment expense | $943,000 | 2,491 |
| Additional noninterest expense | $2,033,000 | 2,450 |
| Pre-tax net operating income | $-25,000 | 8,281 |
| Securities gains (losses) | $-5,000 | 7,296 |
| Applicable income taxes | $-196,000 | 8,675 |
| Income before extraordinary items | $166,000 | 7,728 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $166,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,460,000 | 510 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $169,200 | 7,679 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,199,000 | 2,877 |
| Total interest expense | $3,352,000 | 2,321 |
| Net interest income | $4,847,000 | 3,223 |
| Provision for loan and lease losses | $260,000 | 2,468 |
| Total noninterest income | $1,007,000 | 2,899 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $505,000 | 2,433 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $502,000 | 2,878 |
| Total noninterest expense | $4,589,000 | 2,664 |
| Salaries and employee benefits | $2,476,000 | 2,699 |
| Premises and equipment expense | $667,000 | 2,609 |
| Additional noninterest expense | $1,446,000 | 2,545 |
| Pre-tax net operating income | $1,005,000 | 4,758 |
| Securities gains (losses) | $92,000 | 685 |
| Applicable income taxes | $305,000 | 3,780 |
| Income before extraordinary items | $792,000 | 4,788 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $792,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $622,000 | 703 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $725,760 | 4,949 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,332,000 | 2,869 |
| Total interest expense | $2,137,000 | 2,289 |
| Net interest income | $3,195,000 | 3,228 |
| Provision for loan and lease losses | $170,000 | 2,439 |
| Total noninterest income | $647,000 | 2,935 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $324,000 | 2,463 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $323,000 | 2,934 |
| Total noninterest expense | $3,032,000 | 2,668 |
| Salaries and employee benefits | $1,711,000 | 2,597 |
| Premises and equipment expense | $396,000 | 2,870 |
| Additional noninterest expense | $925,000 | 2,632 |
| Pre-tax net operating income | $640,000 | 4,853 |
| Securities gains (losses) | $92,000 | 598 |
| Applicable income taxes | $206,000 | 3,736 |
| Income before extraordinary items | $526,000 | 4,767 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $526,000 | 4,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $616,000 | 514 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $459,760 | 5,050 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,632,000 | 2,862 |
| Total interest expense | $1,040,000 | 2,254 |
| Net interest income | $1,592,000 | 3,240 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $309,000 | 3,001 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $145,000 | 2,637 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $164,000 | 2,813 |
| Total noninterest expense | $1,467,000 | 2,775 |
| Salaries and employee benefits | $853,000 | 2,622 |
| Premises and equipment expense | $193,000 | 2,966 |
| Additional noninterest expense | $421,000 | 2,890 |
| Pre-tax net operating income | $344,000 | 4,644 |
| Securities gains (losses) | $86,000 | 404 |
| Applicable income taxes | $114,000 | 3,555 |
| Income before extraordinary items | $316,000 | 4,219 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $316,000 | 4,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 1,959 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $253,220 | 4,796 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,856,000 | 2,874 |
| Total interest expense | $3,623,000 | 2,230 |
| Net interest income | $6,233,000 | 3,195 |
| Provision for loan and lease losses | $898,000 | 1,158 |
| Total noninterest income | $1,283,000 | 2,991 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $634,000 | 2,579 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $649,000 | 2,850 |
| Total noninterest expense | $5,555,000 | 2,837 |
| Salaries and employee benefits | $3,019,000 | 2,820 |
| Premises and equipment expense | $754,000 | 2,934 |
| Additional noninterest expense | $1,782,000 | 2,670 |
| Pre-tax net operating income | $1,063,000 | 5,083 |
| Securities gains (losses) | $286,000 | 660 |
| Applicable income taxes | $266,000 | 4,371 |
| Income before extraordinary items | $1,083,000 | 4,483 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,083,000 | 4,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,044 |
| Cash dividends | $399,000 | 3,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $854,200 | 5,036 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,255,000 | 2,888 |
| Total interest expense | $2,597,000 | 2,268 |
| Net interest income | $4,658,000 | 3,190 |
| Provision for loan and lease losses | $258,000 | 2,533 |
| Total noninterest income | $989,000 | 2,951 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $474,000 | 2,617 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $515,000 | 2,749 |
| Total noninterest expense | $3,995,000 | 2,913 |
| Salaries and employee benefits | $2,127,000 | 2,969 |
| Premises and equipment expense | $540,000 | 3,054 |
| Additional noninterest expense | $1,328,000 | 2,655 |
| Pre-tax net operating income | $1,394,000 | 3,762 |
| Securities gains (losses) | $164,000 | 878 |
| Applicable income taxes | $393,000 | 3,335 |
| Income before extraordinary items | $1,165,000 | 3,622 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,165,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 2,495 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,042,000 | 3,839 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,681,000 | 2,958 |
| Total interest expense | $1,656,000 | 2,344 |
| Net interest income | $3,025,000 | 3,256 |
| Provision for loan and lease losses | $188,000 | 2,313 |
| Total noninterest income | $548,000 | 3,368 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $299,000 | 2,721 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $249,000 | 3,327 |
| Total noninterest expense | $2,514,000 | 3,074 |
| Salaries and employee benefits | $1,326,000 | 3,162 |
| Premises and equipment expense | $353,000 | 3,102 |
| Additional noninterest expense | $835,000 | 2,816 |
| Pre-tax net operating income | $871,000 | 3,883 |
| Securities gains (losses) | $134,000 | 858 |
| Applicable income taxes | $256,000 | 3,350 |
| Income before extraordinary items | $749,000 | 3,701 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $749,000 | 3,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,546 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $648,500 | 3,950 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,274,000 | 3,043 |
| Total interest expense | $791,000 | 2,476 |
| Net interest income | $1,483,000 | 3,298 |
| Provision for loan and lease losses | $38,000 | 3,803 |
| Total noninterest income | $243,000 | 3,596 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $136,000 | 2,882 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $107,000 | 3,564 |
| Total noninterest expense | $1,284,000 | 3,022 |
| Salaries and employee benefits | $699,000 | 3,038 |
| Premises and equipment expense | $174,000 | 3,178 |
| Additional noninterest expense | $411,000 | 2,837 |
| Pre-tax net operating income | $404,000 | 4,058 |
| Securities gains (losses) | $76,000 | 950 |
| Applicable income taxes | $119,000 | 3,502 |
| Income before extraordinary items | $361,000 | 3,774 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $361,000 | 3,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $304,000 | 4,108 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,384,000 | 3,307 |
| Total interest expense | $3,085,000 | 2,794 |
| Net interest income | $5,299,000 | 3,533 |
| Provision for loan and lease losses | $412,000 | 2,534 |
| Total noninterest income | $1,475,000 | 2,877 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $538,000 | 2,929 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $937,000 | 2,486 |
| Total noninterest expense | $4,556,000 | 3,321 |
| Salaries and employee benefits | $2,295,000 | 3,505 |
| Premises and equipment expense | $693,000 | 3,109 |
| Additional noninterest expense | $1,568,000 | 2,957 |
| Pre-tax net operating income | $1,806,000 | 3,628 |
| Securities gains (losses) | $336,000 | 982 |
| Applicable income taxes | $532,000 | 3,279 |
| Income before extraordinary items | $1,610,000 | 3,384 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,610,000 | 3,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 2,202 |
| Cash dividends | $399,000 | 3,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,358,000 | 3,653 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,211,000 | 3,388 |
| Total interest expense | $2,335,000 | 2,860 |
| Net interest income | $3,876,000 | 3,620 |
| Provision for loan and lease losses | $252,000 | 2,835 |
| Total noninterest income | $1,197,000 | 2,783 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $394,000 | 2,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $803,000 | 2,365 |
| Total noninterest expense | $3,308,000 | 3,398 |
| Salaries and employee benefits | $1,649,000 | 3,610 |
| Premises and equipment expense | $510,000 | 3,168 |
| Additional noninterest expense | $1,149,000 | 3,011 |
| Pre-tax net operating income | $1,513,000 | 3,496 |
| Securities gains (losses) | $266,000 | 1,048 |
| Applicable income taxes | $431,000 | 3,298 |
| Income before extraordinary items | $1,348,000 | 3,206 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,348,000 | 3,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,229 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,145,840 | 3,451 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,174,000 | 3,382 |
| Total interest expense | $1,616,000 | 2,849 |
| Net interest income | $2,558,000 | 3,635 |
| Provision for loan and lease losses | $232,000 | 2,270 |
| Total noninterest income | $788,000 | 2,786 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $252,000 | 3,045 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $536,000 | 2,351 |
| Total noninterest expense | $2,155,000 | 3,462 |
| Salaries and employee benefits | $1,083,000 | 3,661 |
| Premises and equipment expense | $327,000 | 3,261 |
| Additional noninterest expense | $745,000 | 3,064 |
| Pre-tax net operating income | $959,000 | 3,617 |
| Securities gains (losses) | $266,000 | 878 |
| Applicable income taxes | $301,000 | 3,240 |
| Income before extraordinary items | $924,000 | 3,149 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $924,000 | 3,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,004 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $724,500 | 3,583 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,123,000 | 3,357 |
| Total interest expense | $848,000 | 2,783 |
| Net interest income | $1,275,000 | 3,643 |
| Provision for loan and lease losses | $77,000 | 2,778 |
| Total noninterest income | $366,000 | 2,828 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $117,000 | 3,150 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $249,000 | 2,362 |
| Total noninterest expense | $1,062,000 | 3,487 |
| Salaries and employee benefits | $556,000 | 3,579 |
| Premises and equipment expense | $149,000 | 3,507 |
| Additional noninterest expense | $357,000 | 3,144 |
| Pre-tax net operating income | $502,000 | 3,476 |
| Securities gains (losses) | $37,000 | 1,568 |
| Applicable income taxes | $100,000 | 3,933 |
| Income before extraordinary items | $439,000 | 3,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $439,000 | 3,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 1,305 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $409,030 | 3,240 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,481,000 | 3,473 |
| Total interest expense | $3,740,000 | 2,911 |
| Net interest income | $4,741,000 | 3,829 |
| Provision for loan and lease losses | $424,000 | 2,711 |
| Total noninterest income | $1,153,000 | 3,154 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $418,000 | 3,423 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $735,000 | 2,637 |
| Total noninterest expense | $3,728,000 | 3,755 |
| Salaries and employee benefits | $1,841,000 | 4,007 |
| Premises and equipment expense | $620,000 | 3,317 |
| Additional noninterest expense | $1,267,000 | 3,450 |
| Pre-tax net operating income | $1,742,000 | 3,739 |
| Securities gains (losses) | $136,000 | 1,465 |
| Applicable income taxes | $484,000 | 3,512 |
| Income before extraordinary items | $1,394,000 | 3,695 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,394,000 | 3,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 2,175 |
| Cash dividends | $77,000 | 5,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,293,360 | 3,793 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,406,000 | 3,853 |
| Total interest expense | $4,769,000 | 3,287 |
| Net interest income | $3,637,000 | 4,443 |
| Provision for loan and lease losses | $187,000 | 4,282 |
| Total noninterest income | $756,000 | 4,009 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $366,000 | 3,643 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $390,000 | 3,588 |
| Total noninterest expense | $3,406,000 | 3,915 |
| Salaries and employee benefits | $1,556,000 | 4,382 |
| Premises and equipment expense | $642,000 | 3,182 |
| Additional noninterest expense | $1,208,000 | 3,477 |
| Pre-tax net operating income | $800,000 | 5,481 |
| Securities gains (losses) | $40,000 | 2,572 |
| Applicable income taxes | $197,000 | 5,056 |
| Income before extraordinary items | $643,000 | 5,444 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $643,000 | 5,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 2,121 |
| Cash dividends | $123,000 | 5,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $612,200 | 5,443 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,408,000 | 4,375 |
| Total interest expense | $4,371,000 | 3,711 |
| Net interest income | $3,037,000 | 5,113 |
| Provision for loan and lease losses | $653,000 | 1,494 |
| Total noninterest income | $510,000 | 4,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,303 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $237,000 | 4,407 |
| Total noninterest expense | $3,031,000 | 4,192 |
| Salaries and employee benefits | $1,304,000 | 4,892 |
| Premises and equipment expense | $418,000 | 4,362 |
| Additional noninterest expense | $1,309,000 | 3,162 |
| Pre-tax net operating income | $-137,000 | 9,281 |
| Securities gains (losses) | $8,000 | 1,222 |
| Applicable income taxes | $-192,000 | 9,691 |
| Income before extraordinary items | $63,000 | 8,909 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $63,000 | 8,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,579 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $57,880 | 8,919 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,629,000 | 5,156 |
| Total interest expense | $3,126,000 | 4,449 |
| Net interest income | $2,503,000 | 5,797 |
| Provision for loan and lease losses | $157,000 | 4,154 |
| Total noninterest income | $392,000 | 5,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $241,000 | 4,621 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,590 |
| Total noninterest expense | $2,204,000 | 5,321 |
| Salaries and employee benefits | $992,000 | 5,920 |
| Premises and equipment expense | $292,000 | 5,553 |
| Additional noninterest expense | $920,000 | 4,304 |
| Pre-tax net operating income | $534,000 | 6,980 |
| Securities gains (losses) | $-9,000 | 9,275 |
| Applicable income taxes | $37,000 | 7,868 |
| Income before extraordinary items | $488,000 | 6,514 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $488,000 | 6,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,328 |
| Cash dividends | $63,000 | 6,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $496,370 | 6,445 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,948,000 | 6,524 |
| Total interest expense | $2,148,000 | 5,924 |
| Net interest income | $1,800,000 | 7,053 |
| Provision for loan and lease losses | $197,000 | 3,561 |
| Total noninterest income | $283,000 | 6,633 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 5,710 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 6,209 |
| Total noninterest expense | $1,585,000 | 6,460 |
| Salaries and employee benefits | $768,000 | 6,826 |
| Premises and equipment expense | $207,000 | 6,600 |
| Additional noninterest expense | $611,000 | 5,688 |
| Pre-tax net operating income | $300,000 | 8,400 |
| Securities gains (losses) | $59,000 | 1,620 |
| Applicable income taxes | $82,000 | 7,796 |
| Income before extraordinary items | $277,000 | 8,059 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $277,000 | 8,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,569 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $231,570 | 8,310 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,187,000 | 7,525 |
| Total interest expense | $1,649,000 | 7,009 |
| Net interest income | $1,538,000 | 7,894 |
| Provision for loan and lease losses | $151,000 | 4,105 |
| Total noninterest income | $169,000 | 8,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,577 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,870 |
| Total noninterest expense | $1,277,000 | 7,419 |
| Salaries and employee benefits | $602,000 | 7,900 |
| Premises and equipment expense | $182,000 | 7,166 |
| Additional noninterest expense | $493,000 | 6,550 |
| Pre-tax net operating income | $279,000 | 9,122 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-43,000 | 10,607 |
| Income before extraordinary items | $322,000 | 8,208 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $322,000 | 8,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $322,000 | 8,168 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 10,187 |
| Total interest expense | $755,000 | 9,789 |
| Net interest income | $695,000 | 10,400 |
| Provision for loan and lease losses | $88,000 | 5,424 |
| Total noninterest income | $72,000 | 10,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,839 |
| Total noninterest expense | $752,000 | 9,622 |
| Salaries and employee benefits | $357,000 | 9,911 |
| Premises and equipment expense | $114,000 | 8,934 |
| Additional noninterest expense | $281,000 | 9,071 |
| Pre-tax net operating income | $-73,000 | 10,920 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-69,000 | 10,954 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-69,000 | 10,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-73,000 | 10,912 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $318,000 | 11,873 |
| Total interest expense | $131,000 | 11,842 |
| Net interest income | $187,000 | 11,875 |
| Provision for loan and lease losses | $57,000 | 5,968 |
| Total noninterest income | $19,000 | 11,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 10,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 11,437 |
| Total noninterest expense | $464,000 | 11,169 |
| Salaries and employee benefits | $186,000 | 11,564 |
| Premises and equipment expense | $50,000 | 11,093 |
| Additional noninterest expense | $228,000 | 10,088 |
| Pre-tax net operating income | $-315,000 | 11,733 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-311,000 | 11,741 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-311,000 | 11,738 |
| 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 | $3,000,000 | 164 |
| Net operating income | $-315,000 | 11,729 |
* 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.