Home > The Bank of Currituck > Income and Expense
The Bank of Currituck, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,912,000 | 3,666 |
| Total interest expense | $1,922,000 | 3,049 |
| Net interest income | $3,990,000 | 3,846 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $517,000 | 4,004 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $439,000 | 2,400 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $78,000 | 5,525 |
| Total noninterest expense | $5,016,000 | 2,830 |
| Salaries and employee benefits | $2,335,000 | 3,039 |
| Premises and equipment expense | $591,000 | 3,060 |
| Additional noninterest expense | $2,090,000 | 2,390 |
| Pre-tax net operating income | $-509,000 | 6,555 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-509,000 | 6,668 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-509,000 | 6,668 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-509,000 | 6,668 |
| Net charge-offs | $2,171,000 | 1,433 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-509,000 | 6,608 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,080,000 | 3,605 |
| Total interest expense | $1,337,000 | 3,054 |
| Net interest income | $2,743,000 | 3,767 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $513,000 | 3,171 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $299,000 | 2,364 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $214,000 | 3,405 |
| Total noninterest expense | $3,047,000 | 3,074 |
| Salaries and employee benefits | $1,531,000 | 3,094 |
| Premises and equipment expense | $391,000 | 3,115 |
| Additional noninterest expense | $1,125,000 | 2,879 |
| Pre-tax net operating income | $209,000 | 4,889 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $209,000 | 4,838 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $209,000 | 4,839 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $209,000 | 4,838 |
| Net charge-offs | $809,000 | 1,928 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $209,000 | 4,687 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,984,000 | 3,731 |
| Total interest expense | $747,000 | 2,922 |
| Net interest income | $1,237,000 | 4,062 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $229,000 | 3,381 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $146,000 | 2,396 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $83,000 | 3,837 |
| Total noninterest expense | $1,463,000 | 3,215 |
| Salaries and employee benefits | $783,000 | 3,064 |
| Premises and equipment expense | $195,000 | 3,188 |
| Additional noninterest expense | $485,000 | 3,274 |
| Pre-tax net operating income | $3,000 | 6,214 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $3,000 | 6,346 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,000 | 6,349 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $3,000 | 6,348 |
| Net charge-offs | $-267,000 | 7,904 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $3,000 | 6,241 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,633,000 | 3,319 |
| Total interest expense | $3,785,000 | 2,860 |
| Net interest income | $5,848,000 | 3,545 |
| Provision for loan and lease losses | $9,991,000 | 875 |
| Total noninterest income | $-2,056,000 | 7,971 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $729,000 | 2,178 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-2,785,000 | 7,971 |
| Total noninterest expense | $6,256,000 | 3,076 |
| Salaries and employee benefits | $3,375,000 | 2,879 |
| Premises and equipment expense | $788,000 | 3,156 |
| Additional noninterest expense | $2,093,000 | 3,194 |
| Pre-tax net operating income | $-12,455,000 | 7,570 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-12,455,000 | 7,620 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-12,455,000 | 7,620 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-12,455,000 | 7,620 |
| Net charge-offs | $6,099,000 | 992 |
| Cash dividends | $165,000 | 3,795 |
| Sale, conversion, retirement of capital stock, net | $4,021,000 | 222 |
| Net operating income | $-12,455,000 | 7,625 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,272,000 | 3,353 |
| Total interest expense | $3,001,000 | 2,862 |
| Net interest income | $4,271,000 | 3,621 |
| Provision for loan and lease losses | $3,513,000 | 1,337 |
| Total noninterest income | $935,000 | 2,950 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $552,000 | 2,175 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $383,000 | 3,257 |
| Total noninterest expense | $4,786,000 | 3,033 |
| Salaries and employee benefits | $2,717,000 | 2,718 |
| Premises and equipment expense | $603,000 | 3,150 |
| Additional noninterest expense | $1,466,000 | 3,338 |
| Pre-tax net operating income | $-3,093,000 | 7,307 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-3,093,000 | 7,391 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,093,000 | 7,391 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,093,000 | 7,391 |
| Net charge-offs | $2,076,000 | 1,477 |
| Cash dividends | $115,000 | 3,516 |
| Sale, conversion, retirement of capital stock, net | $4,021,000 | 178 |
| Net operating income | $-3,093,000 | 7,384 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,216,000 | 3,762 |
| Total interest expense | $2,012,000 | 2,947 |
| Net interest income | $2,204,000 | 4,288 |
| Provision for loan and lease losses | $5,273,000 | 712 |
| Total noninterest income | $574,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $376,000 | 2,127 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $198,000 | 3,667 |
| Total noninterest expense | $3,986,000 | 2,508 |
| Salaries and employee benefits | $1,844,000 | 2,704 |
| Premises and equipment expense | $407,000 | 3,131 |
| Additional noninterest expense | $1,735,000 | 2,044 |
| Pre-tax net operating income | $-6,481,000 | 7,815 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-6,481,000 | 7,859 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,481,000 | 7,858 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-6,481,000 | 7,858 |
| Net charge-offs | $2,114,000 | 1,085 |
| Cash dividends | $60,000 | 3,568 |
| Sale, conversion, retirement of capital stock, net | $4,021,000 | 129 |
| Net operating income | $-6,481,000 | 7,870 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,615,000 | 3,216 |
| Total interest expense | $995,000 | 3,062 |
| Net interest income | $1,620,000 | 3,232 |
| Provision for loan and lease losses | $250,000 | 2,548 |
| Total noninterest income | $268,000 | 3,232 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $183,000 | 2,124 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $85,000 | 3,906 |
| Total noninterest expense | $1,517,000 | 3,116 |
| Salaries and employee benefits | $969,000 | 2,613 |
| Premises and equipment expense | $198,000 | 3,247 |
| Additional noninterest expense | $350,000 | 3,956 |
| Pre-tax net operating income | $121,000 | 4,802 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $41,000 | 3,047 |
| Income before extraordinary items | $80,000 | 5,226 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $80,000 | 5,231 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $80,000 | 5,230 |
| Net charge-offs | $80,000 | 3,104 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $4,021,000 | 71 |
| Net operating income | $80,000 | 5,060 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,612,000 | 3,128 |
| Total interest expense | $4,327,000 | 3,311 |
| Net interest income | $7,285,000 | 2,936 |
| Provision for loan and lease losses | $753,000 | 3,135 |
| Total noninterest income | $1,045,000 | 3,313 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $606,000 | 2,632 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $439,000 | 3,424 |
| Total noninterest expense | $6,620,000 | 2,815 |
| Salaries and employee benefits | $4,084,000 | 2,465 |
| Premises and equipment expense | $866,000 | 2,976 |
| Additional noninterest expense | $1,670,000 | 3,343 |
| Pre-tax net operating income | $957,000 | 3,836 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $268,000 | 2,520 |
| Income before extraordinary items | $689,000 | 3,966 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $689,000 | 3,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $514,000 | 2,768 |
| Cash dividends | $407,000 | 3,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $689,000 | 4,110 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,737,000 | 3,182 |
| Total interest expense | $3,297,000 | 3,395 |
| Net interest income | $5,440,000 | 2,979 |
| Provision for loan and lease losses | $287,000 | 3,627 |
| Total noninterest income | $784,000 | 3,384 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $442,000 | 2,694 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $342,000 | 3,457 |
| Total noninterest expense | $4,854,000 | 2,843 |
| Salaries and employee benefits | $3,096,000 | 2,465 |
| Premises and equipment expense | $651,000 | 2,987 |
| Additional noninterest expense | $1,107,000 | 3,592 |
| Pre-tax net operating income | $1,083,000 | 3,521 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $405,000 | 2,147 |
| Income before extraordinary items | $678,000 | 3,882 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $678,000 | 3,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,785 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $678,000 | 4,035 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,854,000 | 3,208 |
| Total interest expense | $2,337,000 | 3,356 |
| Net interest income | $3,517,000 | 3,036 |
| Provision for loan and lease losses | $123,000 | 3,938 |
| Total noninterest income | $509,000 | 3,461 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $286,000 | 2,738 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $223,000 | 3,557 |
| Total noninterest expense | $3,186,000 | 2,897 |
| Salaries and employee benefits | $2,063,000 | 2,497 |
| Premises and equipment expense | $440,000 | 2,955 |
| Additional noninterest expense | $683,000 | 3,783 |
| Pre-tax net operating income | $717,000 | 3,660 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $269,000 | 2,339 |
| Income before extraordinary items | $448,000 | 4,249 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $448,000 | 4,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,765 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $448,000 | 4,186 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,845,000 | 3,380 |
| Total interest expense | $1,231,000 | 3,392 |
| Net interest income | $1,614,000 | 3,297 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $237,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $142,000 | 2,735 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $95,000 | 3,878 |
| Total noninterest expense | $1,587,000 | 2,905 |
| Salaries and employee benefits | $1,021,000 | 2,540 |
| Premises and equipment expense | $214,000 | 3,034 |
| Additional noninterest expense | $352,000 | 3,655 |
| Pre-tax net operating income | $234,000 | 4,661 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $84,000 | 2,999 |
| Income before extraordinary items | $150,000 | 5,204 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $150,000 | 5,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 1,940 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $150,000 | 5,102 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,959,000 | 3,539 |
| Total interest expense | $4,433,000 | 3,754 |
| Net interest income | $6,526,000 | 3,286 |
| Provision for loan and lease losses | $150,000 | 4,308 |
| Total noninterest income | $1,002,000 | 3,535 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $512,000 | 3,008 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $490,000 | 3,350 |
| Total noninterest expense | $5,413,000 | 3,236 |
| Salaries and employee benefits | $3,324,000 | 2,960 |
| Premises and equipment expense | $729,000 | 3,334 |
| Additional noninterest expense | $1,360,000 | 3,704 |
| Pre-tax net operating income | $1,965,000 | 3,352 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $648,000 | 2,406 |
| Income before extraordinary items | $1,317,000 | 3,738 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,317,000 | 3,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,513 |
| Cash dividends | $813,000 | 2,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,317,000 | 3,730 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,439,000 | 3,470 |
| Total interest expense | $3,335,000 | 3,752 |
| Net interest income | $5,104,000 | 3,175 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $774,000 | 3,468 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $382,000 | 3,009 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $392,000 | 3,244 |
| Total noninterest expense | $4,606,000 | 2,886 |
| Salaries and employee benefits | $2,877,000 | 2,582 |
| Premises and equipment expense | $507,000 | 3,517 |
| Additional noninterest expense | $1,222,000 | 3,144 |
| Pre-tax net operating income | $1,272,000 | 3,813 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $481,000 | 2,586 |
| Income before extraordinary items | $791,000 | 4,373 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $791,000 | 4,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $791,000 | 4,362 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,542,000 | 3,520 |
| Total interest expense | $2,166,000 | 3,811 |
| Net interest income | $3,376,000 | 3,216 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $477,000 | 3,654 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $262,000 | 2,934 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $215,000 | 3,645 |
| Total noninterest expense | $2,978,000 | 2,987 |
| Salaries and employee benefits | $1,905,000 | 2,623 |
| Premises and equipment expense | $323,000 | 3,658 |
| Additional noninterest expense | $750,000 | 3,368 |
| Pre-tax net operating income | $875,000 | 3,823 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $337,000 | 2,597 |
| Income before extraordinary items | $538,000 | 4,400 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $538,000 | 4,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,783 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $538,000 | 4,396 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,778,000 | 3,497 |
| Total interest expense | $1,055,000 | 3,870 |
| Net interest income | $1,723,000 | 3,154 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $241,000 | 3,613 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $129,000 | 2,922 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $112,000 | 3,558 |
| Total noninterest expense | $1,501,000 | 2,982 |
| Salaries and employee benefits | $952,000 | 2,660 |
| Premises and equipment expense | $160,000 | 3,698 |
| Additional noninterest expense | $389,000 | 3,246 |
| Pre-tax net operating income | $463,000 | 3,682 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $177,000 | 2,563 |
| Income before extraordinary items | $286,000 | 4,295 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $286,000 | 4,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $286,000 | 4,268 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,161,000 | 3,282 |
| Total interest expense | $3,526,000 | 3,890 |
| Net interest income | $7,635,000 | 2,874 |
| Provision for loan and lease losses | $50,000 | 5,567 |
| Total noninterest income | $997,000 | 3,555 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $541,000 | 2,903 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $456,000 | 3,498 |
| Total noninterest expense | $5,715,000 | 2,988 |
| Salaries and employee benefits | $3,631,000 | 2,660 |
| Premises and equipment expense | $613,000 | 3,699 |
| Additional noninterest expense | $1,471,000 | 3,341 |
| Pre-tax net operating income | $2,867,000 | 2,864 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,010,000 | 2,181 |
| Income before extraordinary items | $1,857,000 | 3,264 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,857,000 | 3,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,489 |
| Cash dividends | $790,000 | 3,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,857,000 | 3,246 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,315,000 | 3,276 |
| Total interest expense | $2,502,000 | 3,949 |
| Net interest income | $5,813,000 | 2,855 |
| Provision for loan and lease losses | $50,000 | 5,035 |
| Total noninterest income | $765,000 | 3,492 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $409,000 | 2,909 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $356,000 | 3,406 |
| Total noninterest expense | $4,527,000 | 2,854 |
| Salaries and employee benefits | $2,861,000 | 2,541 |
| Premises and equipment expense | $498,000 | 3,485 |
| Additional noninterest expense | $1,168,000 | 3,209 |
| Pre-tax net operating income | $2,001,000 | 3,105 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $801,000 | 2,196 |
| Income before extraordinary items | $1,200,000 | 3,747 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,200,000 | 3,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,200,000 | 3,723 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,430,000 | 3,286 |
| Total interest expense | $1,580,000 | 3,976 |
| Net interest income | $3,850,000 | 2,884 |
| Provision for loan and lease losses | $50,000 | 4,407 |
| Total noninterest income | $510,000 | 3,481 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $281,000 | 2,801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $229,000 | 3,475 |
| Total noninterest expense | $3,019,000 | 2,866 |
| Salaries and employee benefits | $1,910,000 | 2,543 |
| Premises and equipment expense | $346,000 | 3,355 |
| Additional noninterest expense | $763,000 | 3,247 |
| Pre-tax net operating income | $1,291,000 | 3,195 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $520,000 | 2,246 |
| Income before extraordinary items | $771,000 | 3,830 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $771,000 | 3,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,722 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $771,000 | 3,823 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,652,000 | 3,288 |
| Total interest expense | $743,000 | 4,022 |
| Net interest income | $1,909,000 | 2,902 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $249,000 | 3,479 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $136,000 | 2,805 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,483 |
| Total noninterest expense | $1,476,000 | 2,919 |
| Salaries and employee benefits | $955,000 | 2,548 |
| Premises and equipment expense | $171,000 | 3,403 |
| Additional noninterest expense | $350,000 | 3,457 |
| Pre-tax net operating income | $652,000 | 3,130 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $265,000 | 2,175 |
| Income before extraordinary items | $387,000 | 3,780 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $387,000 | 3,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,725 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $387,000 | 3,765 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,107,000 | 3,394 |
| Total interest expense | $1,976,000 | 4,468 |
| Net interest income | $7,131,000 | 2,999 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $1,099,000 | 3,336 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $624,000 | 2,579 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $475,000 | 3,462 |
| Total noninterest expense | $5,374,000 | 3,043 |
| Salaries and employee benefits | $3,322,000 | 2,724 |
| Premises and equipment expense | $548,000 | 3,911 |
| Additional noninterest expense | $1,504,000 | 3,224 |
| Pre-tax net operating income | $2,736,000 | 2,972 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $970,000 | 2,302 |
| Income before extraordinary items | $1,762,000 | 3,418 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,762,000 | 3,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 8,596 |
| Cash dividends | $755,000 | 2,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,764,560 | 3,380 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,542,000 | 3,451 |
| Total interest expense | $1,347,000 | 4,598 |
| Net interest income | $5,195,000 | 3,056 |
| Provision for loan and lease losses | $85,000 | 4,532 |
| Total noninterest income | $835,000 | 3,315 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $481,000 | 2,516 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $354,000 | 3,507 |
| Total noninterest expense | $4,177,000 | 2,911 |
| Salaries and employee benefits | $2,583,000 | 2,586 |
| Premises and equipment expense | $423,000 | 3,809 |
| Additional noninterest expense | $1,171,000 | 3,099 |
| Pre-tax net operating income | $1,768,000 | 3,339 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $700,000 | 2,391 |
| Income before extraordinary items | $1,064,000 | 3,996 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,064,000 | 3,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,579 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,066,560 | 3,942 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,210,000 | 3,479 |
| Total interest expense | $824,000 | 4,699 |
| Net interest income | $3,386,000 | 3,078 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $541,000 | 3,334 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $330,000 | 2,423 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $211,000 | 3,674 |
| Total noninterest expense | $2,758,000 | 2,929 |
| Salaries and employee benefits | $1,711,000 | 2,597 |
| Premises and equipment expense | $268,000 | 3,939 |
| Additional noninterest expense | $779,000 | 3,087 |
| Pre-tax net operating income | $1,104,000 | 3,455 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $435,000 | 2,473 |
| Income before extraordinary items | $665,000 | 4,137 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $665,000 | 4,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-80,000 | 8,613 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $667,560 | 4,071 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,990,000 | 3,614 |
| Total interest expense | $377,000 | 4,841 |
| Net interest income | $1,613,000 | 3,205 |
| Provision for loan and lease losses | $35,000 | 3,777 |
| Total noninterest income | $263,000 | 3,351 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $158,000 | 2,451 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $105,000 | 3,636 |
| Total noninterest expense | $1,311,000 | 3,072 |
| Salaries and employee benefits | $830,000 | 2,692 |
| Premises and equipment expense | $132,000 | 4,029 |
| Additional noninterest expense | $349,000 | 3,370 |
| Pre-tax net operating income | $530,000 | 3,521 |
| Securities gains (losses) | $-5,000 | 8,378 |
| Applicable income taxes | $220,000 | 2,449 |
| Income before extraordinary items | $305,000 | 4,327 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $305,000 | 4,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-81,000 | 8,748 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $308,200 | 4,244 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,190,000 | 3,724 |
| Total interest expense | $1,247,000 | 5,013 |
| Net interest income | $5,943,000 | 3,317 |
| Provision for loan and lease losses | $160,000 | 4,119 |
| Total noninterest income | $1,178,000 | 3,169 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $678,000 | 2,449 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $500,000 | 3,303 |
| Total noninterest expense | $4,600,000 | 3,354 |
| Salaries and employee benefits | $2,840,000 | 2,982 |
| Premises and equipment expense | $535,000 | 3,877 |
| Additional noninterest expense | $1,225,000 | 3,675 |
| Pre-tax net operating income | $2,361,000 | 3,145 |
| Securities gains (losses) | $10,000 | 2,824 |
| Applicable income taxes | $803,000 | 2,530 |
| Income before extraordinary items | $1,568,000 | 3,524 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,568,000 | 3,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,975 |
| Cash dividends | $697,000 | 2,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,561,400 | 3,468 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 3,792 |
| Total interest expense | $910,000 | 5,058 |
| Net interest income | $4,315,000 | 3,387 |
| Provision for loan and lease losses | $60,000 | 5,125 |
| Total noninterest income | $871,000 | 3,215 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $496,000 | 2,514 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $375,000 | 3,312 |
| Total noninterest expense | $3,544,000 | 3,270 |
| Salaries and employee benefits | $2,211,000 | 2,856 |
| Premises and equipment expense | $442,000 | 3,595 |
| Additional noninterest expense | $891,000 | 3,754 |
| Pre-tax net operating income | $1,582,000 | 3,459 |
| Securities gains (losses) | $9,000 | 2,772 |
| Applicable income taxes | $635,000 | 2,471 |
| Income before extraordinary items | $956,000 | 4,121 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $956,000 | 4,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,296 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $950,240 | 4,065 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,462,000 | 3,808 |
| Total interest expense | $606,000 | 5,072 |
| Net interest income | $2,856,000 | 3,403 |
| Provision for loan and lease losses | $20,000 | 5,844 |
| Total noninterest income | $511,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $327,000 | 2,529 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $184,000 | 3,917 |
| Total noninterest expense | $2,348,000 | 3,292 |
| Salaries and employee benefits | $1,484,000 | 2,858 |
| Premises and equipment expense | $292,000 | 3,633 |
| Additional noninterest expense | $572,000 | 3,889 |
| Pre-tax net operating income | $999,000 | 3,541 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $405,000 | 2,534 |
| Income before extraordinary items | $594,000 | 4,275 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $594,000 | 4,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 2,057 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $594,000 | 4,192 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,638,000 | 3,982 |
| Total interest expense | $317,000 | 5,005 |
| Net interest income | $1,321,000 | 3,605 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $237,000 | 3,644 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $160,000 | 2,535 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $77,000 | 4,245 |
| Total noninterest expense | $1,128,000 | 3,416 |
| Salaries and employee benefits | $735,000 | 2,886 |
| Premises and equipment expense | $137,000 | 3,844 |
| Additional noninterest expense | $256,000 | 4,241 |
| Pre-tax net operating income | $430,000 | 3,900 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $170,000 | 2,851 |
| Income before extraordinary items | $260,000 | 4,646 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $260,000 | 4,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $260,000 | 4,518 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,764,000 | 3,927 |
| Total interest expense | $1,472,000 | 4,930 |
| Net interest income | $5,292,000 | 3,537 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $859,000 | 4,057 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $524,000 | 2,978 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $335,000 | 4,287 |
| Total noninterest expense | $4,143,000 | 3,616 |
| Salaries and employee benefits | $2,543,000 | 3,238 |
| Premises and equipment expense | $560,000 | 3,711 |
| Additional noninterest expense | $1,040,000 | 4,146 |
| Pre-tax net operating income | $1,978,000 | 3,421 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $564,000 | 3,174 |
| Income before extraordinary items | $1,414,000 | 3,703 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,414,000 | 3,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,824 |
| Cash dividends | $662,000 | 3,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,414,000 | 3,545 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 3,984 |
| Total interest expense | $1,130,000 | 4,983 |
| Net interest income | $3,946,000 | 3,559 |
| Provision for loan and lease losses | $25,000 | 6,589 |
| Total noninterest income | $647,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $387,000 | 3,023 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $260,000 | 4,307 |
| Total noninterest expense | $3,056,000 | 3,648 |
| Salaries and employee benefits | $1,957,000 | 3,162 |
| Premises and equipment expense | $354,000 | 4,233 |
| Additional noninterest expense | $745,000 | 4,281 |
| Pre-tax net operating income | $1,512,000 | 3,497 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $610,000 | 2,638 |
| Income before extraordinary items | $902,000 | 4,282 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $902,000 | 4,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,344 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $902,000 | 4,105 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,386,000 | 4,024 |
| Total interest expense | $761,000 | 5,087 |
| Net interest income | $2,625,000 | 3,561 |
| Provision for loan and lease losses | $25,000 | 6,080 |
| Total noninterest income | $404,000 | 4,225 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $249,000 | 3,072 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $155,000 | 4,517 |
| Total noninterest expense | $1,963,000 | 3,757 |
| Salaries and employee benefits | $1,291,000 | 3,174 |
| Premises and equipment expense | $215,000 | 4,496 |
| Additional noninterest expense | $457,000 | 4,539 |
| Pre-tax net operating income | $1,041,000 | 3,423 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $415,000 | 2,622 |
| Income before extraordinary items | $626,000 | 4,166 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $626,000 | 4,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $626,000 | 3,971 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 4,014 |
| Total interest expense | $368,000 | 5,289 |
| Net interest income | $1,335,000 | 3,502 |
| Provision for loan and lease losses | $25,000 | 4,925 |
| Total noninterest income | $194,000 | 4,249 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $119,000 | 3,102 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $75,000 | 4,475 |
| Total noninterest expense | $966,000 | 3,770 |
| Salaries and employee benefits | $628,000 | 3,231 |
| Premises and equipment expense | $105,000 | 4,559 |
| Additional noninterest expense | $233,000 | 4,460 |
| Pre-tax net operating income | $538,000 | 3,336 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $215,000 | 2,571 |
| Income before extraordinary items | $323,000 | 4,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $323,000 | 4,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $323,000 | 3,843 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,957,000 | 4,070 |
| Total interest expense | $1,738,000 | 5,244 |
| Net interest income | $5,219,000 | 3,532 |
| Provision for loan and lease losses | $150,000 | 4,907 |
| Total noninterest income | $753,000 | 4,146 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $429,000 | 3,361 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $324,000 | 4,087 |
| Total noninterest expense | $3,550,000 | 3,915 |
| Salaries and employee benefits | $2,233,000 | 3,416 |
| Premises and equipment expense | $390,000 | 4,735 |
| Additional noninterest expense | $927,000 | 4,439 |
| Pre-tax net operating income | $2,272,000 | 3,101 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $825,000 | 2,540 |
| Income before extraordinary items | $1,447,000 | 3,595 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,447,000 | 3,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,450 |
| Cash dividends | $639,000 | 3,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,447,000 | 3,495 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,206,000 | 4,336 |
| Total interest expense | $2,416,000 | 5,494 |
| Net interest income | $4,790,000 | 3,561 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $585,000 | 4,652 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $304,000 | 4,133 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $281,000 | 4,258 |
| Total noninterest expense | $3,330,000 | 3,986 |
| Salaries and employee benefits | $2,082,000 | 3,477 |
| Premises and equipment expense | $401,000 | 4,596 |
| Additional noninterest expense | $847,000 | 4,610 |
| Pre-tax net operating income | $1,895,000 | 3,304 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $663,000 | 2,774 |
| Income before extraordinary items | $1,232,000 | 3,724 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,232,000 | 3,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,560 |
| Cash dividends | $604,000 | 3,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,232,000 | 3,614 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,652,000 | 4,766 |
| Total interest expense | $2,465,000 | 5,604 |
| Net interest income | $4,187,000 | 4,024 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $700,000 | 3,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $257,000 | 4,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $443,000 | 3,146 |
| Total noninterest expense | $3,136,000 | 4,077 |
| Salaries and employee benefits | $1,958,000 | 3,530 |
| Premises and equipment expense | $414,000 | 4,399 |
| Additional noninterest expense | $764,000 | 4,883 |
| Pre-tax net operating income | $1,701,000 | 3,710 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $533,000 | 3,344 |
| Income before extraordinary items | $1,168,000 | 3,937 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,168,000 | 3,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,272 |
| Cash dividends | $582,000 | 3,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,168,000 | 3,925 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,868,000 | 5,024 |
| Total interest expense | $1,934,000 | 6,117 |
| Net interest income | $3,934,000 | 4,242 |
| Provision for loan and lease losses | $50,000 | 6,505 |
| Total noninterest income | $551,000 | 4,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 4,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $303,000 | 3,994 |
| Total noninterest expense | $2,806,000 | 4,463 |
| Salaries and employee benefits | $1,692,000 | 3,943 |
| Premises and equipment expense | $412,000 | 4,423 |
| Additional noninterest expense | $702,000 | 5,234 |
| Pre-tax net operating income | $1,629,000 | 3,873 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $520,000 | 3,551 |
| Income before extraordinary items | $1,109,000 | 4,111 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,109,000 | 4,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $547,000 | 3,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,109,000 | 4,070 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,646,000 | 5,205 |
| Total interest expense | $1,951,000 | 6,265 |
| Net interest income | $3,695,000 | 4,389 |
| Provision for loan and lease losses | $75,000 | 5,712 |
| Total noninterest income | $529,000 | 4,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 4,450 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $276,000 | 4,198 |
| Total noninterest expense | $2,604,000 | 4,633 |
| Salaries and employee benefits | $1,605,000 | 4,029 |
| Premises and equipment expense | $375,000 | 4,654 |
| Additional noninterest expense | $624,000 | 5,601 |
| Pre-tax net operating income | $1,545,000 | 4,087 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $520,000 | 3,737 |
| Income before extraordinary items | $1,025,000 | 4,427 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,025,000 | 4,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $523,000 | 3,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,025,000 | 4,332 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,425,000 | 5,467 |
| Total interest expense | $1,817,000 | 6,646 |
| Net interest income | $3,608,000 | 4,626 |
| Provision for loan and lease losses | $83,000 | 5,598 |
| Total noninterest income | $561,000 | 4,631 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $301,000 | 4,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $260,000 | 4,274 |
| Total noninterest expense | $2,462,000 | 4,834 |
| Salaries and employee benefits | $1,500,000 | 4,255 |
| Premises and equipment expense | $361,000 | 4,786 |
| Additional noninterest expense | $601,000 | 5,801 |
| Pre-tax net operating income | $1,624,000 | 4,182 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $605,000 | 3,637 |
| Income before extraordinary items | $1,019,000 | 4,640 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,019,000 | 4,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,671 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,019,000 | 4,574 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,828,000 | 6,086 |
| Total interest expense | $1,585,000 | 7,364 |
| Net interest income | $3,243,000 | 5,138 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $556,000 | 4,806 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $322,000 | 4,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 4,730 |
| Total noninterest expense | $2,304,000 | 5,335 |
| Salaries and employee benefits | $1,430,000 | 4,508 |
| Premises and equipment expense | $365,000 | 4,881 |
| Additional noninterest expense | $509,000 | 6,980 |
| Pre-tax net operating income | $1,445,000 | 4,481 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $519,000 | 4,030 |
| Income before extraordinary items | $926,000 | 4,776 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $926,000 | 4,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,473 |
| Cash dividends | $464,000 | 3,578 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $926,000 | 4,723 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,665,000 | 6,276 |
| Total interest expense | $1,496,000 | 7,720 |
| Net interest income | $3,169,000 | 5,259 |
| Provision for loan and lease losses | $110,000 | 4,388 |
| Total noninterest income | $507,000 | 5,133 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 4,367 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $213,000 | 4,944 |
| Total noninterest expense | $2,295,000 | 5,367 |
| Salaries and employee benefits | $1,385,000 | 4,604 |
| Premises and equipment expense | $357,000 | 4,955 |
| Additional noninterest expense | $553,000 | 6,843 |
| Pre-tax net operating income | $1,271,000 | 5,044 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $410,000 | 4,867 |
| Income before extraordinary items | $862,000 | 5,162 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $862,000 | 5,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,529 |
| Cash dividends | $622,000 | 2,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $861,320 | 5,154 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,407,000 | 6,246 |
| Total interest expense | $1,265,000 | 7,666 |
| Net interest income | $3,142,000 | 5,419 |
| Provision for loan and lease losses | $200,000 | 3,000 |
| Total noninterest income | $639,000 | 4,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 4,209 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $326,000 | 3,873 |
| Total noninterest expense | $2,235,000 | 5,662 |
| Salaries and employee benefits | $1,332,000 | 4,777 |
| Premises and equipment expense | $333,000 | 5,261 |
| Additional noninterest expense | $570,000 | 7,260 |
| Pre-tax net operating income | $1,346,000 | 4,806 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $466,000 | 4,273 |
| Income before extraordinary items | $880,000 | 4,999 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $880,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,275 |
| Cash dividends | $313,000 | 4,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $880,000 | 5,050 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,432,000 | 6,383 |
| Total interest expense | $1,332,000 | 7,768 |
| Net interest income | $3,100,000 | 5,515 |
| Provision for loan and lease losses | $255,000 | 3,336 |
| Total noninterest income | $490,000 | 5,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 4,240 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 6,069 |
| Total noninterest expense | $2,142,000 | 6,000 |
| Salaries and employee benefits | $1,266,000 | 4,996 |
| Premises and equipment expense | $326,000 | 5,507 |
| Additional noninterest expense | $550,000 | 7,768 |
| Pre-tax net operating income | $1,193,000 | 5,207 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $398,000 | 5,028 |
| Income before extraordinary items | $796,000 | 5,596 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $796,000 | 5,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 2,316 |
| Cash dividends | $291,000 | 4,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $795,330 | 5,361 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,540,000 | 6,851 |
| Total interest expense | $1,658,000 | 8,021 |
| Net interest income | $2,882,000 | 5,906 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $481,000 | 5,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 4,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 6,287 |
| Total noninterest expense | $2,134,000 | 6,079 |
| Salaries and employee benefits | $1,209,000 | 5,122 |
| Premises and equipment expense | $337,000 | 5,508 |
| Additional noninterest expense | $588,000 | 7,619 |
| Pre-tax net operating income | $1,029,000 | 5,510 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $316,000 | 5,720 |
| Income before extraordinary items | $716,000 | 5,821 |
| Extraordinary gains, net | $-29,000 | 13,535 |
| Net income | $687,000 | 6,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 8,127 |
| Cash dividends | $278,000 | 4,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $713,930 | 5,498 |
* 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.