Home > State Bank > Income and Expense
State Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $76,657,000 | 536 |
| Total interest expense | $29,822,000 | 576 |
| Net interest income | $46,835,000 | 492 |
| Provision for loan and lease losses | $1,847,000 | 598 |
| Total noninterest income | $9,394,000 | 643 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $7,840,000 | 226 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,554,000 | 1,626 |
| Total noninterest expense | $46,371,000 | 418 |
| Salaries and employee benefits | $28,602,000 | 341 |
| Premises and equipment expense | $6,841,000 | 385 |
| Additional noninterest expense | $10,928,000 | 519 |
| Pre-tax net operating income | $8,011,000 | 1,225 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,262,000 | 1,206 |
| Income before extraordinary items | $5,749,000 | 1,263 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,749,000 | 1,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,449,000 | 326 |
| Cash dividends | $20,000,000 | 238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,749,000 | 1,247 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $57,055,000 | 548 |
| Total interest expense | $21,676,000 | 587 |
| Net interest income | $35,379,000 | 508 |
| Provision for loan and lease losses | $1,547,000 | 512 |
| Total noninterest income | $13,311,000 | 428 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $5,776,000 | 231 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,535,000 | 424 |
| Total noninterest expense | $32,640,000 | 459 |
| Salaries and employee benefits | $20,551,000 | 365 |
| Premises and equipment expense | $4,980,000 | 402 |
| Additional noninterest expense | $7,109,000 | 599 |
| Pre-tax net operating income | $14,503,000 | 578 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $4,648,000 | 567 |
| Income before extraordinary items | $9,855,000 | 608 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $9,855,000 | 607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,700,000 | 303 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $9,855,000 | 597 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $36,630,000 | 555 |
| Total interest expense | $13,260,000 | 608 |
| Net interest income | $23,370,000 | 512 |
| Provision for loan and lease losses | $1,000,000 | 511 |
| Total noninterest income | $9,621,000 | 403 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,749,000 | 232 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,872,000 | 388 |
| Total noninterest expense | $21,923,000 | 459 |
| Salaries and employee benefits | $13,853,000 | 363 |
| Premises and equipment expense | $3,220,000 | 413 |
| Additional noninterest expense | $4,850,000 | 589 |
| Pre-tax net operating income | $10,068,000 | 559 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $3,271,000 | 558 |
| Income before extraordinary items | $6,797,000 | 594 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,797,000 | 592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $945,000 | 355 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $6,797,000 | 579 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $17,615,000 | 560 |
| Total interest expense | $6,197,000 | 607 |
| Net interest income | $11,418,000 | 516 |
| Provision for loan and lease losses | $500,000 | 481 |
| Total noninterest income | $4,780,000 | 401 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,752,000 | 244 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,028,000 | 390 |
| Total noninterest expense | $11,002,000 | 455 |
| Salaries and employee benefits | $7,279,000 | 351 |
| Premises and equipment expense | $1,537,000 | 431 |
| Additional noninterest expense | $2,186,000 | 641 |
| Pre-tax net operating income | $4,696,000 | 577 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,525,000 | 580 |
| Income before extraordinary items | $3,171,000 | 621 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,171,000 | 620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $494,000 | 325 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $3,171,000 | 607 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $59,199,000 | 579 |
| Total interest expense | $17,860,000 | 643 |
| Net interest income | $41,339,000 | 538 |
| Provision for loan and lease losses | $3,425,000 | 319 |
| Total noninterest income | $20,199,000 | 403 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $7,099,000 | 247 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,100,000 | 371 |
| Total noninterest expense | $45,032,000 | 419 |
| Salaries and employee benefits | $28,046,000 | 340 |
| Premises and equipment expense | $6,106,000 | 412 |
| Additional noninterest expense | $10,880,000 | 519 |
| Pre-tax net operating income | $13,081,000 | 759 |
| Securities gains (losses) | $-132,000 | 8,499 |
| Applicable income taxes | $4,163,000 | 751 |
| Income before extraordinary items | $8,786,000 | 821 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $8,786,000 | 823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,202,000 | 362 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $8,875,760 | 799 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $42,608,000 | 577 |
| Total interest expense | $12,515,000 | 649 |
| Net interest income | $30,093,000 | 548 |
| Provision for loan and lease losses | $2,425,000 | 326 |
| Total noninterest income | $15,565,000 | 390 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $5,205,000 | 249 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,360,000 | 351 |
| Total noninterest expense | $33,149,000 | 428 |
| Salaries and employee benefits | $20,709,000 | 347 |
| Premises and equipment expense | $4,551,000 | 411 |
| Additional noninterest expense | $7,889,000 | 531 |
| Pre-tax net operating income | $10,084,000 | 733 |
| Securities gains (losses) | $-147,000 | 8,690 |
| Applicable income taxes | $3,130,000 | 751 |
| Income before extraordinary items | $6,807,000 | 789 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $6,807,000 | 790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,190,000 | 439 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $6,908,430 | 763 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $27,202,000 | 576 |
| Total interest expense | $7,605,000 | 670 |
| Net interest income | $19,597,000 | 549 |
| Provision for loan and lease losses | $1,550,000 | 331 |
| Total noninterest income | $9,753,000 | 407 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $3,298,000 | 250 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,455,000 | 363 |
| Total noninterest expense | $21,099,000 | 441 |
| Salaries and employee benefits | $12,687,000 | 371 |
| Premises and equipment expense | $2,983,000 | 412 |
| Additional noninterest expense | $5,429,000 | 519 |
| Pre-tax net operating income | $6,701,000 | 727 |
| Securities gains (losses) | $-84,000 | 8,679 |
| Applicable income taxes | $2,122,000 | 735 |
| Income before extraordinary items | $4,495,000 | 789 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,495,000 | 789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $827,000 | 414 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,552,120 | 760 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,707,000 | 597 |
| Total interest expense | $3,497,000 | 690 |
| Net interest income | $9,210,000 | 569 |
| Provision for loan and lease losses | $650,000 | 373 |
| Total noninterest income | $5,286,000 | 371 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,577,000 | 249 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,709,000 | 327 |
| Total noninterest expense | $10,553,000 | 437 |
| Salaries and employee benefits | $5,834,000 | 395 |
| Premises and equipment expense | $1,419,000 | 429 |
| Additional noninterest expense | $3,300,000 | 433 |
| Pre-tax net operating income | $3,293,000 | 740 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,033,000 | 749 |
| Income before extraordinary items | $2,260,000 | 777 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,260,000 | 778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 390 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,260,000 | 757 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $42,605,000 | 660 |
| Total interest expense | $10,919,000 | 764 |
| Net interest income | $31,686,000 | 635 |
| Provision for loan and lease losses | $1,850,000 | 586 |
| Total noninterest income | $17,664,000 | 424 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $6,669,000 | 261 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,995,000 | 387 |
| Total noninterest expense | $37,390,000 | 479 |
| Salaries and employee benefits | $21,959,000 | 411 |
| Premises and equipment expense | $5,193,000 | 447 |
| Additional noninterest expense | $10,238,000 | 534 |
| Pre-tax net operating income | $10,110,000 | 872 |
| Securities gains (losses) | $167,000 | 923 |
| Applicable income taxes | $3,240,000 | 849 |
| Income before extraordinary items | $7,037,000 | 938 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,037,000 | 939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $971,000 | 798 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,923,440 | 913 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $30,323,000 | 681 |
| Total interest expense | $7,669,000 | 785 |
| Net interest income | $22,654,000 | 653 |
| Provision for loan and lease losses | $1,150,000 | 669 |
| Total noninterest income | $13,209,000 | 436 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $4,846,000 | 271 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,363,000 | 391 |
| Total noninterest expense | $26,702,000 | 493 |
| Salaries and employee benefits | $15,444,000 | 439 |
| Premises and equipment expense | $3,838,000 | 463 |
| Additional noninterest expense | $7,420,000 | 550 |
| Pre-tax net operating income | $8,011,000 | 831 |
| Securities gains (losses) | $167,000 | 863 |
| Applicable income taxes | $2,534,000 | 844 |
| Income before extraordinary items | $5,644,000 | 877 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,644,000 | 878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $508,000 | 930 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,528,770 | 859 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $18,758,000 | 735 |
| Total interest expense | $4,691,000 | 828 |
| Net interest income | $14,067,000 | 691 |
| Provision for loan and lease losses | $450,000 | 1,098 |
| Total noninterest income | $8,566,000 | 437 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $3,087,000 | 279 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,479,000 | 392 |
| Total noninterest expense | $16,755,000 | 518 |
| Salaries and employee benefits | $9,854,000 | 459 |
| Premises and equipment expense | $2,511,000 | 468 |
| Additional noninterest expense | $4,390,000 | 607 |
| Pre-tax net operating income | $5,428,000 | 808 |
| Securities gains (losses) | $149,000 | 790 |
| Applicable income taxes | $1,758,000 | 802 |
| Income before extraordinary items | $3,819,000 | 851 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,819,000 | 851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 1,281 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,717,680 | 842 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,956,000 | 783 |
| Total interest expense | $2,253,000 | 882 |
| Net interest income | $6,703,000 | 723 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $3,843,000 | 460 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,466,000 | 288 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,377,000 | 428 |
| Total noninterest expense | $7,615,000 | 561 |
| Salaries and employee benefits | $4,206,000 | 533 |
| Premises and equipment expense | $1,318,000 | 455 |
| Additional noninterest expense | $2,091,000 | 620 |
| Pre-tax net operating income | $2,781,000 | 784 |
| Securities gains (losses) | $77,000 | 940 |
| Applicable income taxes | $895,000 | 806 |
| Income before extraordinary items | $1,963,000 | 844 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,963,000 | 844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,844 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,909,870 | 812 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $37,275,000 | 761 |
| Total interest expense | $9,458,000 | 949 |
| Net interest income | $27,817,000 | 673 |
| Provision for loan and lease losses | $2,900,000 | 495 |
| Total noninterest income | $11,859,000 | 573 |
| Gross Fiduciary activities income | $22,000 | 1,231 |
| Service charges on deposit accounts | $6,753,000 | 265 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,084,000 | 755 |
| Total noninterest expense | $28,744,000 | 593 |
| Salaries and employee benefits | $16,070,000 | 539 |
| Premises and equipment expense | $4,589,000 | 509 |
| Additional noninterest expense | $8,085,000 | 667 |
| Pre-tax net operating income | $8,032,000 | 1,042 |
| Securities gains (losses) | $1,294,000 | 393 |
| Applicable income taxes | $2,639,000 | 1,024 |
| Income before extraordinary items | $6,687,000 | 968 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,687,000 | 971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,303,000 | 503 |
| Cash dividends | $6,000,000 | 543 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,755,320 | 1,057 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $27,838,000 | 783 |
| Total interest expense | $7,264,000 | 961 |
| Net interest income | $20,574,000 | 696 |
| Provision for loan and lease losses | $2,100,000 | 516 |
| Total noninterest income | $9,002,000 | 600 |
| Gross Fiduciary activities income | $18,000 | 1,197 |
| Service charges on deposit accounts | $5,016,000 | 280 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,968,000 | 761 |
| Total noninterest expense | $21,448,000 | 609 |
| Salaries and employee benefits | $11,719,000 | 569 |
| Premises and equipment expense | $3,456,000 | 517 |
| Additional noninterest expense | $6,273,000 | 647 |
| Pre-tax net operating income | $6,028,000 | 1,074 |
| Securities gains (losses) | $1,291,000 | 375 |
| Applicable income taxes | $2,213,000 | 983 |
| Income before extraordinary items | $5,106,000 | 985 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,106,000 | 985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,500,000 | 539 |
| Cash dividends | $6,000,000 | 422 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,202,300 | 1,120 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $18,123,000 | 810 |
| Total interest expense | $4,892,000 | 984 |
| Net interest income | $13,231,000 | 721 |
| Provision for loan and lease losses | $1,300,000 | 535 |
| Total noninterest income | $5,454,000 | 627 |
| Gross Fiduciary activities income | $18,000 | 1,134 |
| Service charges on deposit accounts | $3,298,000 | 282 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,138,000 | 873 |
| Total noninterest expense | $13,601,000 | 630 |
| Salaries and employee benefits | $7,392,000 | 601 |
| Premises and equipment expense | $2,248,000 | 532 |
| Additional noninterest expense | $3,961,000 | 675 |
| Pre-tax net operating income | $3,784,000 | 1,136 |
| Securities gains (losses) | $915,000 | 389 |
| Applicable income taxes | $1,410,000 | 1,038 |
| Income before extraordinary items | $3,289,000 | 1,016 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,289,000 | 1,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,012,000 | 522 |
| Cash dividends | $6,000,000 | 291 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,648,500 | 1,165 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,675,000 | 850 |
| Total interest expense | $2,446,000 | 1,007 |
| Net interest income | $6,229,000 | 777 |
| Provision for loan and lease losses | $800,000 | 445 |
| Total noninterest income | $2,800,000 | 620 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,609,000 | 283 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,191,000 | 787 |
| Total noninterest expense | $6,326,000 | 668 |
| Salaries and employee benefits | $3,348,000 | 649 |
| Premises and equipment expense | $1,112,000 | 543 |
| Additional noninterest expense | $1,866,000 | 693 |
| Pre-tax net operating income | $1,903,000 | 1,136 |
| Securities gains (losses) | $231,000 | 604 |
| Applicable income taxes | $612,000 | 1,171 |
| Income before extraordinary items | $1,522,000 | 1,092 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,522,000 | 1,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $503,000 | 497 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,357,990 | 1,138 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $32,036,000 | 949 |
| Total interest expense | $9,387,000 | 1,201 |
| Net interest income | $22,649,000 | 853 |
| Provision for loan and lease losses | $1,900,000 | 775 |
| Total noninterest income | $9,218,000 | 660 |
| Gross Fiduciary activities income | $15,000 | 1,340 |
| Service charges on deposit accounts | $5,620,000 | 304 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,583,000 | 892 |
| Total noninterest expense | $24,064,000 | 678 |
| Salaries and employee benefits | $12,568,000 | 649 |
| Premises and equipment expense | $4,023,000 | 560 |
| Additional noninterest expense | $7,473,000 | 702 |
| Pre-tax net operating income | $5,903,000 | 1,419 |
| Securities gains (losses) | $1,457,000 | 334 |
| Applicable income taxes | $2,186,000 | 1,197 |
| Income before extraordinary items | $5,174,000 | 1,213 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,174,000 | 1,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,082,000 | 893 |
| Cash dividends | $500,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,154,100 | 1,440 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $20,698,000 | 1,643 |
| Total interest expense | $8,463,000 | 1,917 |
| Net interest income | $12,235,000 | 1,452 |
| Provision for loan and lease losses | $685,000 | 1,705 |
| Total noninterest income | $4,170,000 | 1,144 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,652,000 | 577 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,518,000 | 1,507 |
| Total noninterest expense | $12,716,000 | 1,155 |
| Salaries and employee benefits | $6,392,000 | 1,161 |
| Premises and equipment expense | $1,688,000 | 1,265 |
| Additional noninterest expense | $4,636,000 | 1,038 |
| Pre-tax net operating income | $3,004,000 | 2,263 |
| Securities gains (losses) | $348,000 | 810 |
| Applicable income taxes | $771,000 | 2,497 |
| Income before extraordinary items | $2,581,000 | 2,023 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,581,000 | 2,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $619,000 | 1,334 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,313,040 | 2,173 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,732,000 | 2,229 |
| Total interest expense | $7,218,000 | 2,341 |
| Net interest income | $8,514,000 | 2,082 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $3,903,000 | 1,090 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,948,000 | 696 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,955,000 | 1,152 |
| Total noninterest expense | $9,158,000 | 1,527 |
| Salaries and employee benefits | $4,661,000 | 1,525 |
| Premises and equipment expense | $1,024,000 | 2,020 |
| Additional noninterest expense | $3,473,000 | 1,313 |
| Pre-tax net operating income | $3,059,000 | 2,356 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $701,000 | 2,782 |
| Income before extraordinary items | $2,353,000 | 2,201 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,353,000 | 2,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,724 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,356,850 | 2,204 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,427,000 | 2,619 |
| Total interest expense | $5,287,000 | 2,766 |
| Net interest income | $7,140,000 | 2,474 |
| Provision for loan and lease losses | $188,000 | 3,699 |
| Total noninterest income | $2,698,000 | 1,479 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,507,000 | 878 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,191,000 | 1,647 |
| Total noninterest expense | $6,576,000 | 2,066 |
| Salaries and employee benefits | $3,303,000 | 2,124 |
| Premises and equipment expense | $773,000 | 2,623 |
| Additional noninterest expense | $2,500,000 | 1,772 |
| Pre-tax net operating income | $3,074,000 | 2,360 |
| Securities gains (losses) | $81,000 | 814 |
| Applicable income taxes | $803,000 | 2,634 |
| Income before extraordinary items | $2,352,000 | 2,227 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,352,000 | 2,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,435 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,291,250 | 2,257 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,429,000 | 3,099 |
| Total interest expense | $4,413,000 | 3,367 |
| Net interest income | $6,016,000 | 2,865 |
| Provision for loan and lease losses | $75,000 | 5,712 |
| Total noninterest income | $1,746,000 | 2,019 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,241,000 | 996 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $505,000 | 2,966 |
| Total noninterest expense | $5,650,000 | 2,316 |
| Salaries and employee benefits | $2,748,000 | 2,460 |
| Premises and equipment expense | $645,000 | 2,979 |
| Additional noninterest expense | $2,257,000 | 1,867 |
| Pre-tax net operating income | $2,037,000 | 3,297 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $563,000 | 3,566 |
| Income before extraordinary items | $1,488,000 | 3,288 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,488,000 | 3,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,917 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,477,780 | 3,220 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,510,000 | 4,232 |
| Total interest expense | $2,944,000 | 4,798 |
| Net interest income | $4,566,000 | 3,781 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $808,000 | 3,543 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $462,000 | 2,829 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $346,000 | 3,607 |
| Total noninterest expense | $3,689,000 | 3,422 |
| Salaries and employee benefits | $1,912,000 | 3,443 |
| Premises and equipment expense | $457,000 | 3,995 |
| Additional noninterest expense | $1,320,000 | 3,069 |
| Pre-tax net operating income | $1,685,000 | 4,063 |
| Securities gains (losses) | $-5,000 | 9,661 |
| Applicable income taxes | $516,000 | 4,121 |
| Income before extraordinary items | $1,164,000 | 4,160 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,164,000 | 4,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 10,438 |
| Cash dividends | $6,304,000 | 524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,167,450 | 4,089 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,703,000 | 5,368 |
| Total interest expense | $2,311,000 | 5,831 |
| Net interest income | $3,392,000 | 4,961 |
| Provision for loan and lease losses | $-250,000 | 11,362 |
| Total noninterest income | $427,000 | 5,731 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 4,849 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 5,485 |
| Total noninterest expense | $2,513,000 | 4,985 |
| Salaries and employee benefits | $1,217,000 | 5,134 |
| Premises and equipment expense | $302,000 | 5,569 |
| Additional noninterest expense | $994,000 | 4,427 |
| Pre-tax net operating income | $1,556,000 | 4,205 |
| Securities gains (losses) | $-11,000 | 10,330 |
| Applicable income taxes | $469,000 | 4,369 |
| Income before extraordinary items | $1,076,000 | 4,222 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,076,000 | 4,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-193,000 | 11,329 |
| Cash dividends | $608,000 | 2,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,083,700 | 4,139 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,402,000 | 5,659 |
| Total interest expense | $2,367,000 | 5,782 |
| Net interest income | $3,035,000 | 5,451 |
| Provision for loan and lease losses | $-405,000 | 11,891 |
| Total noninterest income | $472,000 | 5,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,777 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 4,990 |
| Total noninterest expense | $2,156,000 | 5,656 |
| Salaries and employee benefits | $1,065,000 | 5,743 |
| Premises and equipment expense | $277,000 | 5,967 |
| Additional noninterest expense | $814,000 | 5,179 |
| Pre-tax net operating income | $1,756,000 | 3,919 |
| Securities gains (losses) | $-91,000 | 11,448 |
| Applicable income taxes | $505,000 | 4,164 |
| Income before extraordinary items | $1,160,000 | 4,070 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,160,000 | 4,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-175,000 | 11,842 |
| Cash dividends | $609,000 | 2,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,223,700 | 3,878 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,190,000 | 5,499 |
| Total interest expense | $1,847,000 | 5,954 |
| Net interest income | $3,343,000 | 5,145 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $641,000 | 4,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,912 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $382,000 | 3,509 |
| Total noninterest expense | $2,206,000 | 5,722 |
| Salaries and employee benefits | $1,031,000 | 5,943 |
| Premises and equipment expense | $219,000 | 7,072 |
| Additional noninterest expense | $956,000 | 4,901 |
| Pre-tax net operating income | $1,778,000 | 3,785 |
| Securities gains (losses) | $-249,000 | 12,037 |
| Applicable income taxes | $340,000 | 5,390 |
| Income before extraordinary items | $1,189,000 | 3,889 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,189,000 | 3,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-189,000 | 12,401 |
| Cash dividends | $254,000 | 4,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,383,220 | 3,434 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,972,000 | 5,808 |
| Total interest expense | $1,929,000 | 6,015 |
| Net interest income | $3,043,000 | 5,591 |
| Provision for loan and lease losses | $-81,000 | 12,861 |
| Total noninterest income | $464,000 | 5,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,971 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,836 |
| Total noninterest expense | $2,160,000 | 5,961 |
| Salaries and employee benefits | $896,000 | 6,734 |
| Premises and equipment expense | $214,000 | 7,406 |
| Additional noninterest expense | $1,050,000 | 4,720 |
| Pre-tax net operating income | $1,428,000 | 4,514 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $451,000 | 4,580 |
| Income before extraordinary items | $987,000 | 4,759 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $987,000 | 4,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-251,000 | 13,155 |
| Cash dividends | $152,000 | 6,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $980,100 | 4,529 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,638,000 | 5,784 |
| Total interest expense | $2,581,000 | 5,833 |
| Net interest income | $3,057,000 | 5,630 |
| Provision for loan and lease losses | $-983,000 | 13,909 |
| Total noninterest income | $496,000 | 5,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 6,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $307,000 | 4,358 |
| Total noninterest expense | $2,018,000 | 6,335 |
| Salaries and employee benefits | $839,000 | 7,005 |
| Premises and equipment expense | $190,000 | 8,078 |
| Additional noninterest expense | $989,000 | 5,096 |
| Pre-tax net operating income | $2,518,000 | 2,467 |
| Securities gains (losses) | $47,000 | 4,236 |
| Applicable income taxes | $865,000 | 2,408 |
| Income before extraordinary items | $1,700,000 | 2,707 |
| Extraordinary gains, net | $258,000 | 346 |
| Net income | $1,958,000 | 2,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-254,000 | 13,875 |
| Cash dividends | $102,000 | 6,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,668,980 | 2,551 |
* 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.