Home > The Bank of Herrin > Income and Expense
The Bank of Herrin, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,727,000 | 4,286 |
| Total interest expense | $2,897,000 | 4,410 |
| Net interest income | $4,830,000 | 4,111 |
| Provision for loan and lease losses | $34,000 | 5,951 |
| Total noninterest income | $786,000 | 4,107 |
| Gross Fiduciary activities income | $330,000 | 692 |
| Service charges on deposit accounts | $323,000 | 3,973 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $133,000 | 5,850 |
| Total noninterest expense | $3,569,000 | 4,345 |
| Salaries and employee benefits | $2,259,000 | 3,899 |
| Premises and equipment expense | $320,000 | 5,578 |
| Additional noninterest expense | $990,000 | 4,545 |
| Pre-tax net operating income | $2,013,000 | 3,630 |
| Securities gains (losses) | $-13,000 | 7,384 |
| Applicable income taxes | $588,000 | 2,909 |
| Income before extraordinary items | $1,412,000 | 3,919 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,412,000 | 3,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,076 |
| Cash dividends | $1,330,000 | 2,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,421,230 | 3,878 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,658,000 | 4,338 |
| Total interest expense | $2,088,000 | 4,425 |
| Net interest income | $3,570,000 | 4,180 |
| Provision for loan and lease losses | $34,000 | 5,569 |
| Total noninterest income | $574,000 | 4,164 |
| Gross Fiduciary activities income | $221,000 | 713 |
| Service charges on deposit accounts | $234,000 | 4,068 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $119,000 | 5,539 |
| Total noninterest expense | $2,362,000 | 4,714 |
| Salaries and employee benefits | $1,459,000 | 4,333 |
| Premises and equipment expense | $237,000 | 5,629 |
| Additional noninterest expense | $666,000 | 4,883 |
| Pre-tax net operating income | $1,748,000 | 3,426 |
| Securities gains (losses) | $-13,000 | 7,688 |
| Applicable income taxes | $479,000 | 2,918 |
| Income before extraordinary items | $1,256,000 | 3,622 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,256,000 | 3,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $1,330,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,265,360 | 3,593 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,637,000 | 4,391 |
| Total interest expense | $1,326,000 | 4,423 |
| Net interest income | $2,311,000 | 4,280 |
| Provision for loan and lease losses | $34,000 | 4,919 |
| Total noninterest income | $395,000 | 4,069 |
| Gross Fiduciary activities income | $161,000 | 695 |
| Service charges on deposit accounts | $144,000 | 4,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $90,000 | 5,350 |
| Total noninterest expense | $1,610,000 | 4,655 |
| Salaries and employee benefits | $1,026,000 | 4,192 |
| Premises and equipment expense | $155,000 | 5,695 |
| Additional noninterest expense | $429,000 | 4,985 |
| Pre-tax net operating income | $1,062,000 | 3,658 |
| Securities gains (losses) | $-12,000 | 7,917 |
| Applicable income taxes | $286,000 | 3,106 |
| Income before extraordinary items | $764,000 | 3,847 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $764,000 | 3,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $1,329,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $772,760 | 3,820 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 4,443 |
| Total interest expense | $632,000 | 4,441 |
| Net interest income | $1,124,000 | 4,358 |
| Provision for loan and lease losses | $27,000 | 4,199 |
| Total noninterest income | $212,000 | 3,854 |
| Gross Fiduciary activities income | $102,000 | 639 |
| Service charges on deposit accounts | $73,000 | 4,136 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,687 |
| Total noninterest expense | $888,000 | 4,362 |
| Salaries and employee benefits | $598,000 | 3,777 |
| Premises and equipment expense | $76,000 | 5,765 |
| Additional noninterest expense | $214,000 | 4,968 |
| Pre-tax net operating income | $421,000 | 4,164 |
| Securities gains (losses) | $-12,000 | 8,270 |
| Applicable income taxes | $103,000 | 3,558 |
| Income before extraordinary items | $306,000 | 4,369 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $306,000 | 4,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $1,330,000 | 595 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $315,000 | 4,285 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,272,000 | 4,488 |
| Total interest expense | $1,936,000 | 4,530 |
| Net interest income | $4,336,000 | 4,382 |
| Provision for loan and lease losses | $35,000 | 6,101 |
| Total noninterest income | $752,000 | 4,192 |
| Gross Fiduciary activities income | $332,000 | 676 |
| Service charges on deposit accounts | $264,000 | 4,463 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $156,000 | 5,658 |
| Total noninterest expense | $3,041,000 | 4,726 |
| Salaries and employee benefits | $1,941,000 | 4,214 |
| Premises and equipment expense | $288,000 | 5,844 |
| Additional noninterest expense | $812,000 | 5,116 |
| Pre-tax net operating income | $2,012,000 | 3,676 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $550,000 | 3,210 |
| Income before extraordinary items | $1,463,000 | 3,842 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,463,000 | 3,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,115 |
| Cash dividends | $1,301,000 | 2,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,462,270 | 3,817 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,596,000 | 4,520 |
| Total interest expense | $1,384,000 | 4,544 |
| Net interest income | $3,212,000 | 4,432 |
| Provision for loan and lease losses | $20,000 | 6,139 |
| Total noninterest income | $553,000 | 4,254 |
| Gross Fiduciary activities income | $233,000 | 680 |
| Service charges on deposit accounts | $196,000 | 4,503 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $124,000 | 5,547 |
| Total noninterest expense | $2,138,000 | 4,912 |
| Salaries and employee benefits | $1,355,000 | 4,434 |
| Premises and equipment expense | $207,000 | 5,952 |
| Additional noninterest expense | $576,000 | 5,240 |
| Pre-tax net operating income | $1,607,000 | 3,571 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $446,000 | 3,137 |
| Income before extraordinary items | $1,162,000 | 3,755 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,162,000 | 3,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,534 |
| Cash dividends | $1,301,000 | 1,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,161,280 | 3,719 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,986,000 | 4,523 |
| Total interest expense | $885,000 | 4,485 |
| Net interest income | $2,101,000 | 4,468 |
| Provision for loan and lease losses | $15,000 | 5,851 |
| Total noninterest income | $378,000 | 4,185 |
| Gross Fiduciary activities income | $159,000 | 674 |
| Service charges on deposit accounts | $129,000 | 4,492 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $90,000 | 5,383 |
| Total noninterest expense | $1,472,000 | 4,786 |
| Salaries and employee benefits | $951,000 | 4,235 |
| Premises and equipment expense | $133,000 | 6,041 |
| Additional noninterest expense | $388,000 | 5,189 |
| Pre-tax net operating income | $992,000 | 3,731 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $271,000 | 3,281 |
| Income before extraordinary items | $722,000 | 3,909 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $722,000 | 3,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $1,293,000 | 1,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $721,270 | 3,861 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,472,000 | 4,550 |
| Total interest expense | $417,000 | 4,548 |
| Net interest income | $1,055,000 | 4,449 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $198,000 | 3,999 |
| Gross Fiduciary activities income | $95,000 | 654 |
| Service charges on deposit accounts | $68,000 | 4,325 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,892 |
| Total noninterest expense | $834,000 | 4,425 |
| Salaries and employee benefits | $567,000 | 3,731 |
| Premises and equipment expense | $69,000 | 5,998 |
| Additional noninterest expense | $198,000 | 5,114 |
| Pre-tax net operating income | $404,000 | 4,253 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $106,000 | 3,681 |
| Income before extraordinary items | $298,000 | 4,389 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $298,000 | 4,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $1,292,000 | 532 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $298,000 | 4,352 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,835,000 | 4,343 |
| Total interest expense | $1,451,000 | 4,609 |
| Net interest income | $4,384,000 | 4,199 |
| Provision for loan and lease losses | $27,000 | 6,524 |
| Total noninterest income | $711,000 | 4,351 |
| Gross Fiduciary activities income | $286,000 | 701 |
| Service charges on deposit accounts | $273,000 | 4,534 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $152,000 | 5,659 |
| Total noninterest expense | $2,894,000 | 4,777 |
| Salaries and employee benefits | $1,908,000 | 4,153 |
| Premises and equipment expense | $284,000 | 5,831 |
| Additional noninterest expense | $702,000 | 5,520 |
| Pre-tax net operating income | $2,174,000 | 3,328 |
| Securities gains (losses) | $95,000 | 1,279 |
| Applicable income taxes | $580,000 | 3,092 |
| Income before extraordinary items | $1,689,000 | 3,336 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,689,000 | 3,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,821 |
| Cash dividends | $5,463,000 | 577 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,618,700 | 3,374 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,362,000 | 4,332 |
| Total interest expense | $1,066,000 | 4,623 |
| Net interest income | $3,296,000 | 4,175 |
| Provision for loan and lease losses | $12,000 | 6,640 |
| Total noninterest income | $545,000 | 4,313 |
| Gross Fiduciary activities income | $222,000 | 694 |
| Service charges on deposit accounts | $204,000 | 4,588 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $119,000 | 5,588 |
| Total noninterest expense | $2,097,000 | 4,850 |
| Salaries and employee benefits | $1,369,000 | 4,267 |
| Premises and equipment expense | $209,000 | 5,855 |
| Additional noninterest expense | $519,000 | 5,530 |
| Pre-tax net operating income | $1,732,000 | 3,240 |
| Securities gains (losses) | $95,000 | 1,203 |
| Applicable income taxes | $470,000 | 3,011 |
| Income before extraordinary items | $1,357,000 | 3,227 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,357,000 | 3,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,694 |
| Cash dividends | $5,463,000 | 425 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,286,700 | 3,285 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,937,000 | 4,316 |
| Total interest expense | $731,000 | 4,553 |
| Net interest income | $2,206,000 | 4,181 |
| Provision for loan and lease losses | $2,000 | 6,819 |
| Total noninterest income | $384,000 | 4,189 |
| Gross Fiduciary activities income | $164,000 | 673 |
| Service charges on deposit accounts | $135,000 | 4,590 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $85,000 | 5,489 |
| Total noninterest expense | $1,457,000 | 4,750 |
| Salaries and employee benefits | $974,000 | 4,067 |
| Premises and equipment expense | $134,000 | 6,006 |
| Additional noninterest expense | $349,000 | 5,517 |
| Pre-tax net operating income | $1,131,000 | 3,257 |
| Securities gains (losses) | $100,000 | 1,028 |
| Applicable income taxes | $328,000 | 2,918 |
| Income before extraordinary items | $903,000 | 3,211 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $903,000 | 3,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,514 |
| Cash dividends | $5,462,000 | 309 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $830,000 | 3,339 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,503,000 | 4,256 |
| Total interest expense | $409,000 | 4,259 |
| Net interest income | $1,094,000 | 4,194 |
| Provision for loan and lease losses | $2,000 | 6,358 |
| Total noninterest income | $203,000 | 4,031 |
| Gross Fiduciary activities income | $107,000 | 632 |
| Service charges on deposit accounts | $64,000 | 4,635 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $808,000 | 4,438 |
| Salaries and employee benefits | $578,000 | 3,585 |
| Premises and equipment expense | $60,000 | 6,320 |
| Additional noninterest expense | $170,000 | 5,605 |
| Pre-tax net operating income | $487,000 | 3,595 |
| Securities gains (losses) | $97,000 | 819 |
| Applicable income taxes | $159,000 | 2,988 |
| Income before extraordinary items | $425,000 | 3,342 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $425,000 | 3,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $5,463,000 | 166 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $354,190 | 3,698 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,344,000 | 4,133 |
| Total interest expense | $1,834,000 | 4,282 |
| Net interest income | $4,510,000 | 3,990 |
| Provision for loan and lease losses | $13,000 | 7,258 |
| Total noninterest income | $683,000 | 4,619 |
| Gross Fiduciary activities income | $298,000 | 715 |
| Service charges on deposit accounts | $232,000 | 4,921 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $153,000 | 5,794 |
| Total noninterest expense | $2,841,000 | 4,781 |
| Salaries and employee benefits | $1,847,000 | 4,183 |
| Premises and equipment expense | $293,000 | 5,725 |
| Additional noninterest expense | $701,000 | 5,497 |
| Pre-tax net operating income | $2,339,000 | 3,038 |
| Securities gains (losses) | $11,000 | 3,560 |
| Applicable income taxes | $661,000 | 2,892 |
| Income before extraordinary items | $1,689,000 | 3,256 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,689,000 | 3,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,091 |
| Cash dividends | $1,340,000 | 1,897 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,681,080 | 3,123 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,820,000 | 4,135 |
| Total interest expense | $1,397,000 | 4,365 |
| Net interest income | $3,423,000 | 3,973 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $514,000 | 4,673 |
| Gross Fiduciary activities income | $223,000 | 710 |
| Service charges on deposit accounts | $172,000 | 4,982 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $119,000 | 5,748 |
| Total noninterest expense | $2,051,000 | 4,892 |
| Salaries and employee benefits | $1,302,000 | 4,365 |
| Premises and equipment expense | $217,000 | 5,749 |
| Additional noninterest expense | $532,000 | 5,435 |
| Pre-tax net operating income | $1,877,000 | 2,978 |
| Securities gains (losses) | $10,000 | 3,326 |
| Applicable income taxes | $542,000 | 2,889 |
| Income before extraordinary items | $1,345,000 | 3,209 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,345,000 | 3,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,672 |
| Cash dividends | $1,330,000 | 1,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,337,900 | 3,074 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,295,000 | 4,098 |
| Total interest expense | $947,000 | 4,427 |
| Net interest income | $2,348,000 | 3,888 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $365,000 | 4,471 |
| Gross Fiduciary activities income | $168,000 | 680 |
| Service charges on deposit accounts | $115,000 | 4,936 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $82,000 | 5,679 |
| Total noninterest expense | $1,430,000 | 4,731 |
| Salaries and employee benefits | $925,000 | 4,165 |
| Premises and equipment expense | $145,000 | 5,768 |
| Additional noninterest expense | $360,000 | 5,374 |
| Pre-tax net operating income | $1,277,000 | 2,941 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $372,000 | 2,833 |
| Income before extraordinary items | $908,000 | 3,189 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $908,000 | 3,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,822 |
| Cash dividends | $1,330,000 | 1,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $905,870 | 3,028 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,686,000 | 4,054 |
| Total interest expense | $493,000 | 4,381 |
| Net interest income | $1,193,000 | 3,843 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $169,000 | 4,577 |
| Gross Fiduciary activities income | $77,000 | 717 |
| Service charges on deposit accounts | $56,000 | 4,926 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 5,881 |
| Total noninterest expense | $812,000 | 4,320 |
| Salaries and employee benefits | $551,000 | 3,597 |
| Premises and equipment expense | $70,000 | 5,840 |
| Additional noninterest expense | $191,000 | 5,135 |
| Pre-tax net operating income | $547,000 | 3,296 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $155,000 | 3,169 |
| Income before extraordinary items | $394,000 | 3,490 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $394,000 | 3,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,300 |
| Cash dividends | $1,330,000 | 531 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $392,560 | 3,336 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,385,000 | 3,881 |
| Total interest expense | $2,767,000 | 3,780 |
| Net interest income | $4,618,000 | 3,905 |
| Provision for loan and lease losses | $12,000 | 7,731 |
| Total noninterest income | $654,000 | 4,503 |
| Gross Fiduciary activities income | $260,000 | 753 |
| Service charges on deposit accounts | $237,000 | 4,824 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $157,000 | 5,501 |
| Total noninterest expense | $2,819,000 | 4,664 |
| Salaries and employee benefits | $1,813,000 | 4,059 |
| Premises and equipment expense | $326,000 | 5,308 |
| Additional noninterest expense | $680,000 | 5,505 |
| Pre-tax net operating income | $2,441,000 | 2,937 |
| Securities gains (losses) | $40,000 | 2,603 |
| Applicable income taxes | $718,000 | 2,795 |
| Income before extraordinary items | $1,763,000 | 3,089 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,763,000 | 3,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,517 |
| Cash dividends | $1,167,000 | 2,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,734,600 | 3,018 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,995,000 | 4,025 |
| Total interest expense | $3,844,000 | 3,924 |
| Net interest income | $4,151,000 | 4,015 |
| Provision for loan and lease losses | $19,000 | 7,633 |
| Total noninterest income | $753,000 | 4,021 |
| Gross Fiduciary activities income | $280,000 | 741 |
| Service charges on deposit accounts | $253,000 | 4,612 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $220,000 | 4,737 |
| Total noninterest expense | $2,755,000 | 4,628 |
| Salaries and employee benefits | $1,787,000 | 3,940 |
| Premises and equipment expense | $324,000 | 5,287 |
| Additional noninterest expense | $644,000 | 5,581 |
| Pre-tax net operating income | $2,130,000 | 3,030 |
| Securities gains (losses) | $12,000 | 3,497 |
| Applicable income taxes | $615,000 | 2,924 |
| Income before extraordinary items | $1,527,000 | 3,185 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,527,000 | 3,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-286,000 | 9,572 |
| Cash dividends | $1,074,000 | 2,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,518,480 | 3,092 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,077,000 | 4,097 |
| Total interest expense | $3,934,000 | 4,027 |
| Net interest income | $4,143,000 | 4,063 |
| Provision for loan and lease losses | $65,000 | 6,097 |
| Total noninterest income | $659,000 | 4,164 |
| Gross Fiduciary activities income | $272,000 | 740 |
| Service charges on deposit accounts | $229,000 | 4,760 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $158,000 | 5,346 |
| Total noninterest expense | $2,698,000 | 4,596 |
| Salaries and employee benefits | $1,721,000 | 3,911 |
| Premises and equipment expense | $366,000 | 4,797 |
| Additional noninterest expense | $611,000 | 5,714 |
| Pre-tax net operating income | $2,039,000 | 3,275 |
| Securities gains (losses) | $10,000 | 1,158 |
| Applicable income taxes | $597,000 | 3,120 |
| Income before extraordinary items | $1,452,000 | 3,341 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,452,000 | 3,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,622 |
| Cash dividends | $1,013,000 | 2,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,444,900 | 3,340 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,722,000 | 4,054 |
| Total interest expense | $3,754,000 | 3,791 |
| Net interest income | $3,968,000 | 4,197 |
| Provision for loan and lease losses | $14,000 | 7,935 |
| Total noninterest income | $600,000 | 4,434 |
| Gross Fiduciary activities income | $247,000 | 816 |
| Service charges on deposit accounts | $202,000 | 5,094 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $151,000 | 5,590 |
| Total noninterest expense | $2,652,000 | 4,654 |
| Salaries and employee benefits | $1,659,000 | 4,007 |
| Premises and equipment expense | $277,000 | 5,722 |
| Additional noninterest expense | $716,000 | 5,167 |
| Pre-tax net operating income | $1,902,000 | 3,467 |
| Securities gains (losses) | $40,000 | 1,069 |
| Applicable income taxes | $576,000 | 3,310 |
| Income before extraordinary items | $1,366,000 | 3,489 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,366,000 | 3,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $947,000 | 2,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,338,000 | 3,521 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,823,000 | 4,026 |
| Total interest expense | $3,944,000 | 3,740 |
| Net interest income | $3,879,000 | 4,231 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $601,000 | 4,385 |
| Gross Fiduciary activities income | $244,000 | 830 |
| Service charges on deposit accounts | $191,000 | 5,272 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $166,000 | 5,426 |
| Total noninterest expense | $2,287,000 | 5,081 |
| Salaries and employee benefits | $1,496,000 | 4,240 |
| Premises and equipment expense | $240,000 | 6,105 |
| Additional noninterest expense | $551,000 | 6,085 |
| Pre-tax net operating income | $2,163,000 | 3,119 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $703,000 | 3,016 |
| Income before extraordinary items | $1,470,000 | 3,315 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,470,000 | 3,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $1,062,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,463,200 | 3,236 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,585,000 | 4,171 |
| Total interest expense | $3,682,000 | 3,963 |
| Net interest income | $3,903,000 | 4,323 |
| Provision for loan and lease losses | $206,000 | 3,376 |
| Total noninterest income | $551,000 | 4,686 |
| Gross Fiduciary activities income | $225,000 | 871 |
| Service charges on deposit accounts | $186,000 | 5,559 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $140,000 | 5,875 |
| Total noninterest expense | $2,159,000 | 5,359 |
| Salaries and employee benefits | $1,414,000 | 4,467 |
| Premises and equipment expense | $227,000 | 6,392 |
| Additional noninterest expense | $518,000 | 6,361 |
| Pre-tax net operating income | $2,089,000 | 3,391 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $675,000 | 3,339 |
| Income before extraordinary items | $1,415,000 | 3,534 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,415,000 | 3,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,504 |
| Cash dividends | $1,499,000 | 1,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,414,320 | 3,460 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,368,000 | 4,370 |
| Total interest expense | $3,671,000 | 4,007 |
| Net interest income | $3,697,000 | 4,617 |
| Provision for loan and lease losses | $429,000 | 1,975 |
| Total noninterest income | $545,000 | 4,873 |
| Gross Fiduciary activities income | $238,000 | 927 |
| Service charges on deposit accounts | $175,000 | 6,012 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $132,000 | 6,332 |
| Total noninterest expense | $2,011,000 | 5,929 |
| Salaries and employee benefits | $1,329,000 | 4,775 |
| Premises and equipment expense | $205,000 | 6,938 |
| Additional noninterest expense | $477,000 | 7,232 |
| Pre-tax net operating income | $1,802,000 | 3,718 |
| Securities gains (losses) | $31,000 | 1,673 |
| Applicable income taxes | $580,000 | 3,692 |
| Income before extraordinary items | $1,253,000 | 3,732 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,253,000 | 3,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,607 |
| Cash dividends | $840,000 | 2,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,231,920 | 3,748 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,955,000 | 4,582 |
| Total interest expense | $3,803,000 | 3,850 |
| Net interest income | $3,152,000 | 5,283 |
| Provision for loan and lease losses | $115,000 | 4,295 |
| Total noninterest income | $486,000 | 5,291 |
| Gross Fiduciary activities income | $203,000 | 1,005 |
| Service charges on deposit accounts | $150,000 | 6,661 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $133,000 | 6,332 |
| Total noninterest expense | $1,970,000 | 6,052 |
| Salaries and employee benefits | $1,303,000 | 4,850 |
| Premises and equipment expense | $208,000 | 7,042 |
| Additional noninterest expense | $459,000 | 7,616 |
| Pre-tax net operating income | $1,553,000 | 4,328 |
| Securities gains (losses) | $-12,000 | 10,219 |
| Applicable income taxes | $493,000 | 4,238 |
| Income before extraordinary items | $1,048,000 | 4,412 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,048,000 | 4,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,429 |
| Cash dividends | $840,000 | 2,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,056,160 | 4,381 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,702,000 | 4,395 |
| Total interest expense | $3,333,000 | 3,593 |
| Net interest income | $3,369,000 | 5,104 |
| Provision for loan and lease losses | $14,000 | 8,180 |
| Total noninterest income | $482,000 | 5,433 |
| Gross Fiduciary activities income | $199,000 | 1,020 |
| Service charges on deposit accounts | $167,000 | 6,508 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $116,000 | 7,032 |
| Total noninterest expense | $2,195,000 | 5,760 |
| Salaries and employee benefits | $1,299,000 | 4,886 |
| Premises and equipment expense | $307,000 | 5,617 |
| Additional noninterest expense | $589,000 | 7,119 |
| Pre-tax net operating income | $1,642,000 | 4,076 |
| Securities gains (losses) | $-196,000 | 11,939 |
| Applicable income taxes | $433,000 | 4,505 |
| Income before extraordinary items | $1,013,000 | 4,495 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,013,000 | 4,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $840,000 | 2,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,150,200 | 4,054 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,009,000 | 4,310 |
| Total interest expense | $3,089,000 | 4,017 |
| Net interest income | $3,920,000 | 4,499 |
| Provision for loan and lease losses | $13,000 | 9,510 |
| Total noninterest income | $488,000 | 5,698 |
| Gross Fiduciary activities income | $263,000 | 984 |
| Service charges on deposit accounts | $197,000 | 6,027 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $28,000 | 11,437 |
| Total noninterest expense | $2,166,000 | 5,942 |
| Salaries and employee benefits | $1,258,000 | 5,019 |
| Premises and equipment expense | $329,000 | 5,469 |
| Additional noninterest expense | $579,000 | 7,527 |
| Pre-tax net operating income | $2,229,000 | 2,997 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $758,000 | 2,878 |
| Income before extraordinary items | $1,471,000 | 3,301 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,471,000 | 3,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $770,000 | 2,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,471,000 | 3,126 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,691,000 | 4,443 |
| Total interest expense | $3,863,000 | 4,194 |
| Net interest income | $3,828,000 | 4,626 |
| Provision for loan and lease losses | $-2,000 | 13,427 |
| Total noninterest income | $382,000 | 6,712 |
| Gross Fiduciary activities income | $171,000 | 1,123 |
| Service charges on deposit accounts | $187,000 | 6,255 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $2,136,000 | 6,069 |
| Salaries and employee benefits | $1,204,000 | 5,142 |
| Premises and equipment expense | $305,000 | 5,903 |
| Additional noninterest expense | $627,000 | 7,283 |
| Pre-tax net operating income | $2,076,000 | 3,005 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $713,000 | 2,909 |
| Income before extraordinary items | $1,363,000 | 3,370 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,363,000 | 3,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $683,000 | 2,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,363,000 | 3,121 |
* 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.