Home > The Exchange Bank > Income and Expense
The Exchange Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,292,000 | 5,401 |
| Total interest expense | $1,717,000 | 5,804 |
| Net interest income | $3,575,000 | 4,986 |
| Provision for loan and lease losses | $3,000 | 6,791 |
| Total noninterest income | $1,154,000 | 3,205 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $365,000 | 3,730 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $789,000 | 2,600 |
| Total noninterest expense | $4,900,000 | 3,405 |
| Salaries and employee benefits | $1,708,000 | 4,786 |
| Premises and equipment expense | $638,000 | 3,594 |
| Additional noninterest expense | $2,554,000 | 2,064 |
| Pre-tax net operating income | $-174,000 | 8,099 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-60,000 | 8,308 |
| Income before extraordinary items | $-114,000 | 8,091 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-114,000 | 8,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,413 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-114,000 | 8,082 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,928,000 | 5,430 |
| Total interest expense | $1,218,000 | 5,886 |
| Net interest income | $2,710,000 | 4,997 |
| Provision for loan and lease losses | $33,000 | 5,584 |
| Total noninterest income | $851,000 | 3,264 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $260,000 | 3,859 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $591,000 | 2,593 |
| Total noninterest expense | $3,648,000 | 3,413 |
| Salaries and employee benefits | $1,312,000 | 4,684 |
| Premises and equipment expense | $407,000 | 4,064 |
| Additional noninterest expense | $1,929,000 | 2,036 |
| Pre-tax net operating income | $-120,000 | 8,242 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-42,000 | 8,494 |
| Income before extraordinary items | $-78,000 | 8,228 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-78,000 | 8,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,781 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-78,000 | 8,218 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,481,000 | 5,557 |
| Total interest expense | $745,000 | 5,993 |
| Net interest income | $1,736,000 | 5,143 |
| Provision for loan and lease losses | $-2,000 | 8,474 |
| Total noninterest income | $514,000 | 3,465 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $165,000 | 3,947 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $349,000 | 2,761 |
| Total noninterest expense | $2,467,000 | 3,382 |
| Salaries and employee benefits | $861,000 | 4,766 |
| Premises and equipment expense | $267,000 | 4,108 |
| Additional noninterest expense | $1,339,000 | 1,963 |
| Pre-tax net operating income | $-215,000 | 8,419 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-74,000 | 8,602 |
| Income before extraordinary items | $-141,000 | 8,383 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-141,000 | 8,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,908 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-141,000 | 8,382 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,227,000 | 5,541 |
| Total interest expense | $362,000 | 5,943 |
| Net interest income | $865,000 | 5,163 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $171,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $71,000 | 4,194 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $100,000 | 3,699 |
| Total noninterest expense | $1,273,000 | 3,319 |
| Salaries and employee benefits | $428,000 | 4,800 |
| Premises and equipment expense | $129,000 | 4,210 |
| Additional noninterest expense | $716,000 | 1,826 |
| Pre-tax net operating income | $-237,000 | 8,577 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-81,000 | 8,683 |
| Income before extraordinary items | $-156,000 | 8,520 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-156,000 | 8,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-156,000 | 8,508 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,552,000 | 5,453 |
| Total interest expense | $1,119,000 | 5,999 |
| Net interest income | $3,433,000 | 5,072 |
| Provision for loan and lease losses | $711,000 | 1,398 |
| Total noninterest income | $336,000 | 6,094 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $304,000 | 4,149 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $32,000 | 7,812 |
| Total noninterest expense | $4,381,000 | 3,605 |
| Salaries and employee benefits | $2,393,000 | 3,609 |
| Premises and equipment expense | $486,000 | 4,271 |
| Additional noninterest expense | $1,502,000 | 3,225 |
| Pre-tax net operating income | $-1,323,000 | 8,696 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-1,322,000 | 8,721 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,322,000 | 8,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $512,000 | 1,152 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-1,323,000 | 8,704 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,409,000 | 5,421 |
| Total interest expense | $820,000 | 5,952 |
| Net interest income | $2,589,000 | 5,072 |
| Provision for loan and lease losses | $369,000 | 1,838 |
| Total noninterest income | $385,000 | 5,200 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $225,000 | 4,207 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $160,000 | 5,073 |
| Total noninterest expense | $2,830,000 | 4,009 |
| Salaries and employee benefits | $1,413,000 | 4,287 |
| Premises and equipment expense | $369,000 | 4,212 |
| Additional noninterest expense | $1,048,000 | 3,388 |
| Pre-tax net operating income | $-225,000 | 8,502 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-224,000 | 8,530 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-224,000 | 8,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,339 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-225,000 | 8,502 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,256,000 | 5,382 |
| Total interest expense | $543,000 | 5,830 |
| Net interest income | $1,713,000 | 5,091 |
| Provision for loan and lease losses | $213,000 | 2,041 |
| Total noninterest income | $252,000 | 5,199 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $149,000 | 4,166 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $103,000 | 5,124 |
| Total noninterest expense | $1,939,000 | 3,901 |
| Salaries and employee benefits | $971,000 | 4,160 |
| Premises and equipment expense | $248,000 | 4,176 |
| Additional noninterest expense | $720,000 | 3,290 |
| Pre-tax net operating income | $-187,000 | 8,545 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-186,000 | 8,573 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-186,000 | 8,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 1,247 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-187,000 | 8,549 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,127,000 | 5,359 |
| Total interest expense | $270,000 | 5,763 |
| Net interest income | $857,000 | 5,111 |
| Provision for loan and lease losses | $99,000 | 2,094 |
| Total noninterest income | $120,000 | 5,254 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $75,000 | 4,075 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $45,000 | 5,411 |
| Total noninterest expense | $982,000 | 3,899 |
| Salaries and employee benefits | $485,000 | 4,187 |
| Premises and equipment expense | $133,000 | 4,011 |
| Additional noninterest expense | $364,000 | 3,259 |
| Pre-tax net operating income | $-104,000 | 8,648 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-103,000 | 8,671 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-103,000 | 8,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,376 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-104,000 | 8,648 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,950,000 | 4,883 |
| Total interest expense | $1,399,000 | 4,704 |
| Net interest income | $3,551,000 | 4,854 |
| Provision for loan and lease losses | $542,000 | 1,841 |
| Total noninterest income | $465,000 | 5,441 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $335,000 | 4,049 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $130,000 | 5,966 |
| Total noninterest expense | $3,967,000 | 3,769 |
| Salaries and employee benefits | $2,043,000 | 3,930 |
| Premises and equipment expense | $540,000 | 3,844 |
| Additional noninterest expense | $1,384,000 | 3,338 |
| Pre-tax net operating income | $-493,000 | 8,663 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $26,000 | 6,429 |
| Income before extraordinary items | $-514,000 | 8,727 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-514,000 | 8,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $781,000 | 924 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-519,000 | 8,703 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,735,000 | 4,845 |
| Total interest expense | $1,089,000 | 4,564 |
| Net interest income | $2,646,000 | 4,856 |
| Provision for loan and lease losses | $542,000 | 1,359 |
| Total noninterest income | $331,000 | 5,596 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $252,000 | 4,081 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $79,000 | 6,329 |
| Total noninterest expense | $2,923,000 | 3,790 |
| Salaries and employee benefits | $1,535,000 | 3,883 |
| Premises and equipment expense | $409,000 | 3,807 |
| Additional noninterest expense | $979,000 | 3,489 |
| Pre-tax net operating income | $-488,000 | 8,768 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-483,000 | 8,802 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-483,000 | 8,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $738,000 | 704 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-488,000 | 8,775 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,527,000 | 4,808 |
| Total interest expense | $749,000 | 4,483 |
| Net interest income | $1,778,000 | 4,839 |
| Provision for loan and lease losses | $454,000 | 1,094 |
| Total noninterest income | $223,000 | 5,588 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $168,000 | 4,066 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $55,000 | 6,266 |
| Total noninterest expense | $1,907,000 | 3,890 |
| Salaries and employee benefits | $1,001,000 | 3,972 |
| Premises and equipment expense | $279,000 | 3,763 |
| Additional noninterest expense | $627,000 | 3,618 |
| Pre-tax net operating income | $-360,000 | 8,839 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-360,000 | 8,881 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-360,000 | 8,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 587 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-360,000 | 8,854 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,308,000 | 4,695 |
| Total interest expense | $383,000 | 4,448 |
| Net interest income | $925,000 | 4,731 |
| Provision for loan and lease losses | $382,000 | 655 |
| Total noninterest income | $103,000 | 5,713 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 4,055 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $21,000 | 6,731 |
| Total noninterest expense | $951,000 | 3,915 |
| Salaries and employee benefits | $490,000 | 4,073 |
| Premises and equipment expense | $147,000 | 3,640 |
| Additional noninterest expense | $314,000 | 3,608 |
| Pre-tax net operating income | $-305,000 | 8,968 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-305,000 | 8,997 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-305,000 | 8,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 594 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-305,000 | 8,971 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,880,000 | 4,361 |
| Total interest expense | $1,965,000 | 4,087 |
| Net interest income | $3,915,000 | 4,424 |
| Provision for loan and lease losses | $250,000 | 3,535 |
| Total noninterest income | $569,000 | 5,104 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $342,000 | 4,011 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $227,000 | 5,034 |
| Total noninterest expense | $3,838,000 | 3,830 |
| Salaries and employee benefits | $1,889,000 | 4,115 |
| Premises and equipment expense | $574,000 | 3,653 |
| Additional noninterest expense | $1,375,000 | 3,333 |
| Pre-tax net operating income | $396,000 | 7,060 |
| Securities gains (losses) | $29,000 | 2,952 |
| Applicable income taxes | $132,000 | 5,427 |
| Income before extraordinary items | $293,000 | 7,310 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $293,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 2,384 |
| Cash dividends | $150,000 | 5,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $272,990 | 7,273 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,516,000 | 4,358 |
| Total interest expense | $1,541,000 | 4,052 |
| Net interest income | $2,975,000 | 4,407 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $510,000 | 4,689 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $251,000 | 4,082 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $259,000 | 4,318 |
| Total noninterest expense | $2,921,000 | 3,772 |
| Salaries and employee benefits | $1,469,000 | 3,987 |
| Premises and equipment expense | $434,000 | 3,620 |
| Additional noninterest expense | $1,018,000 | 3,345 |
| Pre-tax net operating income | $544,000 | 6,106 |
| Securities gains (losses) | $29,000 | 2,717 |
| Applicable income taxes | $175,000 | 4,866 |
| Income before extraordinary items | $398,000 | 6,367 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $398,000 | 6,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,248 |
| Cash dividends | $150,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $377,990 | 6,311 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,018,000 | 4,375 |
| Total interest expense | $1,067,000 | 4,044 |
| Net interest income | $1,951,000 | 4,464 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $367,000 | 4,456 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $190,000 | 3,743 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $177,000 | 4,260 |
| Total noninterest expense | $1,901,000 | 3,839 |
| Salaries and employee benefits | $956,000 | 4,054 |
| Premises and equipment expense | $288,000 | 3,622 |
| Additional noninterest expense | $657,000 | 3,417 |
| Pre-tax net operating income | $417,000 | 5,759 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $128,000 | 4,755 |
| Income before extraordinary items | $289,000 | 6,179 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $289,000 | 6,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,170 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $289,000 | 5,974 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,545,000 | 4,336 |
| Total interest expense | $554,000 | 4,023 |
| Net interest income | $991,000 | 4,425 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $171,000 | 4,553 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $93,000 | 3,718 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 4,393 |
| Total noninterest expense | $943,000 | 3,839 |
| Salaries and employee benefits | $488,000 | 3,973 |
| Premises and equipment expense | $150,000 | 3,487 |
| Additional noninterest expense | $305,000 | 3,611 |
| Pre-tax net operating income | $219,000 | 5,626 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $68,000 | 4,629 |
| Income before extraordinary items | $151,000 | 6,007 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $151,000 | 6,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 1,373 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $151,000 | 5,826 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,033,000 | 4,029 |
| Total interest expense | $2,876,000 | 3,647 |
| Net interest income | $4,157,000 | 4,226 |
| Provision for loan and lease losses | $2,019,000 | 721 |
| Total noninterest income | $751,000 | 4,153 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $389,000 | 3,598 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $362,000 | 3,869 |
| Total noninterest expense | $4,235,000 | 3,397 |
| Salaries and employee benefits | $2,089,000 | 3,604 |
| Premises and equipment expense | $579,000 | 3,515 |
| Additional noninterest expense | $1,567,000 | 2,860 |
| Pre-tax net operating income | $-1,346,000 | 9,186 |
| Securities gains (losses) | $19,000 | 3,191 |
| Applicable income taxes | $-467,000 | 9,237 |
| Income before extraordinary items | $-860,000 | 9,153 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-860,000 | 9,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,446,000 | 699 |
| Cash dividends | $329,000 | 4,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-872,350 | 9,114 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,286,000 | 3,901 |
| Total interest expense | $4,086,000 | 3,727 |
| Net interest income | $4,200,000 | 3,981 |
| Provision for loan and lease losses | $15,000 | 7,716 |
| Total noninterest income | $680,000 | 4,259 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $328,000 | 3,936 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $352,000 | 3,809 |
| Total noninterest expense | $3,907,000 | 3,500 |
| Salaries and employee benefits | $1,982,000 | 3,622 |
| Premises and equipment expense | $615,000 | 3,296 |
| Additional noninterest expense | $1,310,000 | 3,232 |
| Pre-tax net operating income | $958,000 | 5,011 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $292,000 | 4,321 |
| Income before extraordinary items | $666,000 | 5,351 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $666,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 9,469 |
| Cash dividends | $400,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $666,000 | 5,227 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,268,000 | 4,017 |
| Total interest expense | $3,882,000 | 4,066 |
| Net interest income | $4,386,000 | 3,888 |
| Provision for loan and lease losses | $75,000 | 5,850 |
| Total noninterest income | $543,000 | 4,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $292,000 | 4,134 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $251,000 | 4,291 |
| Total noninterest expense | $3,744,000 | 3,508 |
| Salaries and employee benefits | $1,868,000 | 3,670 |
| Premises and equipment expense | $629,000 | 3,135 |
| Additional noninterest expense | $1,247,000 | 3,303 |
| Pre-tax net operating income | $1,110,000 | 4,970 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $349,000 | 4,275 |
| Income before extraordinary items | $761,000 | 5,196 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $761,000 | 5,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 1,713 |
| Cash dividends | $300,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $761,000 | 5,186 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,198,000 | 4,291 |
| Total interest expense | $3,187,000 | 4,374 |
| Net interest income | $4,011,000 | 4,163 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $632,000 | 4,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,226 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $356,000 | 3,665 |
| Total noninterest expense | $3,608,000 | 3,623 |
| Salaries and employee benefits | $1,709,000 | 3,910 |
| Premises and equipment expense | $578,000 | 3,375 |
| Additional noninterest expense | $1,321,000 | 3,176 |
| Pre-tax net operating income | $1,035,000 | 5,195 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $320,000 | 4,668 |
| Income before extraordinary items | $715,000 | 5,396 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $715,000 | 5,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $534,000 | 1,160 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $715,000 | 5,365 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,631,000 | 4,599 |
| Total interest expense | $2,980,000 | 4,755 |
| Net interest income | $3,651,000 | 4,433 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $377,000 | 5,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,131 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 6,726 |
| Total noninterest expense | $2,843,000 | 4,323 |
| Salaries and employee benefits | $1,312,000 | 4,724 |
| Premises and equipment expense | $455,000 | 3,976 |
| Additional noninterest expense | $1,076,000 | 3,703 |
| Pre-tax net operating income | $1,185,000 | 4,921 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $341,000 | 4,833 |
| Income before extraordinary items | $844,000 | 5,018 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $844,000 | 5,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,222 |
| Cash dividends | $2,455,000 | 1,143 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $844,000 | 4,933 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,565,000 | 5,366 |
| Total interest expense | $2,387,000 | 5,596 |
| Net interest income | $3,178,000 | 5,083 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $321,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,023 |
| Total noninterest expense | $2,185,000 | 5,315 |
| Salaries and employee benefits | $1,090,000 | 5,519 |
| Premises and equipment expense | $291,000 | 5,538 |
| Additional noninterest expense | $804,000 | 4,708 |
| Pre-tax net operating income | $1,314,000 | 4,924 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $410,000 | 4,808 |
| Income before extraordinary items | $904,000 | 5,037 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $904,000 | 5,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-116,000 | 10,736 |
| Cash dividends | $1,335,000 | 1,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $904,000 | 4,982 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,213,000 | 5,766 |
| Total interest expense | $2,174,000 | 6,083 |
| Net interest income | $3,039,000 | 5,390 |
| Provision for loan and lease losses | $75,000 | 5,702 |
| Total noninterest income | $312,000 | 6,804 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,801 |
| Total noninterest expense | $2,110,000 | 5,721 |
| Salaries and employee benefits | $1,058,000 | 5,749 |
| Premises and equipment expense | $282,000 | 5,808 |
| Additional noninterest expense | $770,000 | 5,352 |
| Pre-tax net operating income | $1,166,000 | 5,220 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $363,000 | 5,207 |
| Income before extraordinary items | $803,000 | 5,292 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $803,000 | 5,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,304 |
| Cash dividends | $287,000 | 4,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $803,000 | 5,225 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,955,000 | 6,034 |
| Total interest expense | $2,039,000 | 6,377 |
| Net interest income | $2,916,000 | 5,628 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $276,000 | 7,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 9,130 |
| Total noninterest expense | $2,061,000 | 5,846 |
| Salaries and employee benefits | $992,000 | 6,104 |
| Premises and equipment expense | $272,000 | 6,038 |
| Additional noninterest expense | $797,000 | 5,268 |
| Pre-tax net operating income | $1,011,000 | 5,953 |
| Securities gains (losses) | $-38,000 | 11,009 |
| Applicable income taxes | $300,000 | 5,992 |
| Income before extraordinary items | $673,000 | 6,159 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $673,000 | 6,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,716 |
| Cash dividends | $315,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $699,220 | 5,982 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,669,000 | 5,982 |
| Total interest expense | $1,892,000 | 5,850 |
| Net interest income | $2,777,000 | 5,951 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $271,000 | 7,638 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 9,194 |
| Total noninterest expense | $2,073,000 | 6,025 |
| Salaries and employee benefits | $956,000 | 6,329 |
| Premises and equipment expense | $404,000 | 4,554 |
| Additional noninterest expense | $713,000 | 6,227 |
| Pre-tax net operating income | $895,000 | 6,427 |
| Securities gains (losses) | $34,000 | 1,394 |
| Applicable income taxes | $285,000 | 6,056 |
| Income before extraordinary items | $644,000 | 6,261 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $644,000 | 6,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,047 |
| Cash dividends | $355,000 | 4,042 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 953 |
| Net operating income | $620,540 | 6,458 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,862,000 | 5,919 |
| Total interest expense | $2,142,000 | 5,512 |
| Net interest income | $2,720,000 | 6,131 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $256,000 | 8,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,494 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,541 |
| Total noninterest expense | $2,131,000 | 6,027 |
| Salaries and employee benefits | $1,014,000 | 6,047 |
| Premises and equipment expense | $273,000 | 6,295 |
| Additional noninterest expense | $844,000 | 5,661 |
| Pre-tax net operating income | $785,000 | 6,895 |
| Securities gains (losses) | $102,000 | 2,479 |
| Applicable income taxes | $273,000 | 6,440 |
| Income before extraordinary items | $614,000 | 6,676 |
| Extraordinary gains, net | $11,000 | 2,917 |
| Net income | $625,000 | 6,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 6,463 |
| Cash dividends | $179,000 | 5,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $543,620 | 6,956 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,204,000 | 6,178 |
| Total interest expense | $2,628,000 | 5,753 |
| Net interest income | $2,576,000 | 6,442 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $190,000 | 9,610 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 7,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,979 |
| Total noninterest expense | $1,983,000 | 6,429 |
| Salaries and employee benefits | $894,000 | 6,660 |
| Premises and equipment expense | $221,000 | 7,368 |
| Additional noninterest expense | $868,000 | 5,685 |
| Pre-tax net operating income | $723,000 | 6,976 |
| Securities gains (losses) | $76,000 | 3,457 |
| Applicable income taxes | $258,000 | 6,544 |
| Income before extraordinary items | $541,000 | 6,992 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $541,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 6,045 |
| Cash dividends | $163,000 | 5,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $489,320 | 7,045 |
* 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.