Home > The Farwell State Savings Bank > Income and Expense
The Farwell State Savings Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,783,000 | 5,530 |
| Total interest expense | $1,261,000 | 5,803 |
| Net interest income | $2,522,000 | 5,229 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $261,000 | 5,912 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $162,000 | 4,872 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,863 |
| Total noninterest expense | $1,306,000 | 6,526 |
| Salaries and employee benefits | $703,000 | 6,562 |
| Premises and equipment expense | $102,000 | 7,434 |
| Additional noninterest expense | $501,000 | 5,769 |
| Pre-tax net operating income | $1,477,000 | 3,817 |
| Securities gains (losses) | $-9,000 | 7,556 |
| Applicable income taxes | $446,000 | 3,023 |
| Income before extraordinary items | $1,022,000 | 4,119 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,022,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,286 |
| Cash dividends | $394,000 | 3,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,028,300 | 4,092 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,490,000 | 5,545 |
| Total interest expense | $821,000 | 5,743 |
| Net interest income | $1,669,000 | 5,275 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $149,000 | 6,249 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $107,000 | 4,870 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $42,000 | 6,634 |
| Total noninterest expense | $872,000 | 6,553 |
| Salaries and employee benefits | $471,000 | 6,580 |
| Premises and equipment expense | $68,000 | 7,453 |
| Additional noninterest expense | $333,000 | 5,762 |
| Pre-tax net operating income | $946,000 | 3,929 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $300,000 | 3,043 |
| Income before extraordinary items | $646,000 | 4,261 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $646,000 | 4,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,779 |
| Cash dividends | $263,000 | 3,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $646,000 | 4,250 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,229,000 | 5,534 |
| Total interest expense | $400,000 | 5,694 |
| Net interest income | $829,000 | 5,292 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $68,000 | 6,391 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $52,000 | 4,862 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,000 |
| Total noninterest expense | $441,000 | 6,533 |
| Salaries and employee benefits | $225,000 | 6,705 |
| Premises and equipment expense | $35,000 | 7,427 |
| Additional noninterest expense | $181,000 | 5,491 |
| Pre-tax net operating income | $456,000 | 3,968 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $136,000 | 3,182 |
| Income before extraordinary items | $320,000 | 4,254 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $320,000 | 4,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 1,837 |
| Cash dividends | $131,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $320,000 | 4,237 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,909,000 | 5,207 |
| Total interest expense | $1,447,000 | 5,316 |
| Net interest income | $3,462,000 | 5,057 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $357,000 | 5,963 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $209,000 | 4,943 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $148,000 | 5,756 |
| Total noninterest expense | $1,651,000 | 6,638 |
| Salaries and employee benefits | $930,000 | 6,548 |
| Premises and equipment expense | $122,000 | 7,626 |
| Additional noninterest expense | $599,000 | 6,065 |
| Pre-tax net operating income | $2,168,000 | 3,500 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $656,000 | 2,930 |
| Income before extraordinary items | $1,512,000 | 3,773 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,512,000 | 3,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,447 |
| Cash dividends | $2,888,000 | 1,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,512,000 | 3,739 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,665,000 | 5,187 |
| Total interest expense | $1,070,000 | 5,258 |
| Net interest income | $2,595,000 | 5,068 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $264,000 | 6,040 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $155,000 | 4,997 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $109,000 | 5,804 |
| Total noninterest expense | $1,201,000 | 6,718 |
| Salaries and employee benefits | $668,000 | 6,669 |
| Premises and equipment expense | $100,000 | 7,471 |
| Additional noninterest expense | $433,000 | 6,137 |
| Pre-tax net operating income | $1,658,000 | 3,498 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $513,000 | 2,896 |
| Income before extraordinary items | $1,145,000 | 3,800 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,145,000 | 3,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $2,428,000 | 905 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,145,000 | 3,752 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,422,000 | 5,163 |
| Total interest expense | $696,000 | 5,172 |
| Net interest income | $1,726,000 | 5,072 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $155,000 | 6,272 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $100,000 | 5,027 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $55,000 | 6,254 |
| Total noninterest expense | $787,000 | 6,770 |
| Salaries and employee benefits | $449,000 | 6,643 |
| Premises and equipment expense | $64,000 | 7,531 |
| Additional noninterest expense | $274,000 | 6,266 |
| Pre-tax net operating income | $1,094,000 | 3,485 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $350,000 | 2,826 |
| Income before extraordinary items | $744,000 | 3,800 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $744,000 | 3,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $2,297,000 | 633 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $744,000 | 3,747 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,188,000 | 5,209 |
| Total interest expense | $336,000 | 5,158 |
| Net interest income | $852,000 | 5,139 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $69,000 | 6,466 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $46,000 | 5,168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,629 |
| Total noninterest expense | $388,000 | 6,849 |
| Salaries and employee benefits | $213,000 | 6,829 |
| Premises and equipment expense | $32,000 | 7,605 |
| Additional noninterest expense | $143,000 | 6,156 |
| Pre-tax net operating income | $533,000 | 3,503 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $172,000 | 2,849 |
| Income before extraordinary items | $361,000 | 3,892 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $361,000 | 3,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $131,000 | 2,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $361,000 | 3,844 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,864,000 | 4,944 |
| Total interest expense | $1,217,000 | 5,069 |
| Net interest income | $3,647,000 | 4,783 |
| Provision for loan and lease losses | $16,000 | 6,840 |
| Total noninterest income | $360,000 | 6,021 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $221,000 | 5,014 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $139,000 | 5,831 |
| Total noninterest expense | $1,619,000 | 6,676 |
| Salaries and employee benefits | $907,000 | 6,584 |
| Premises and equipment expense | $135,000 | 7,505 |
| Additional noninterest expense | $577,000 | 6,113 |
| Pre-tax net operating income | $2,372,000 | 3,130 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $732,000 | 2,683 |
| Income before extraordinary items | $1,642,000 | 3,413 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,642,000 | 3,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,541 |
| Cash dividends | $3,478,000 | 863 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,640,620 | 3,350 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,647,000 | 4,924 |
| Total interest expense | $910,000 | 5,058 |
| Net interest income | $2,737,000 | 4,757 |
| Provision for loan and lease losses | $16,000 | 6,508 |
| Total noninterest income | $279,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $169,000 | 5,017 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 5,753 |
| Total noninterest expense | $1,190,000 | 6,699 |
| Salaries and employee benefits | $659,000 | 6,647 |
| Premises and equipment expense | $101,000 | 7,508 |
| Additional noninterest expense | $430,000 | 6,079 |
| Pre-tax net operating income | $1,810,000 | 3,132 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $562,000 | 2,695 |
| Income before extraordinary items | $1,250,000 | 3,440 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,250,000 | 3,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,696 |
| Cash dividends | $3,019,000 | 688 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,248,620 | 3,357 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,432,000 | 4,930 |
| Total interest expense | $606,000 | 5,072 |
| Net interest income | $1,826,000 | 4,771 |
| Provision for loan and lease losses | $16,000 | 6,067 |
| Total noninterest income | $147,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $108,000 | 5,108 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $39,000 | 6,845 |
| Total noninterest expense | $777,000 | 6,805 |
| Salaries and employee benefits | $425,000 | 6,790 |
| Premises and equipment expense | $66,000 | 7,578 |
| Additional noninterest expense | $286,000 | 6,123 |
| Pre-tax net operating income | $1,180,000 | 3,153 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $373,000 | 2,683 |
| Income before extraordinary items | $809,000 | 3,494 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $809,000 | 3,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,514 |
| Cash dividends | $2,888,000 | 519 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $807,640 | 3,415 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,216,000 | 4,959 |
| Total interest expense | $311,000 | 5,061 |
| Net interest income | $905,000 | 4,808 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $65,000 | 6,712 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $51,000 | 5,172 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $14,000 | 7,349 |
| Total noninterest expense | $400,000 | 6,759 |
| Salaries and employee benefits | $228,000 | 6,623 |
| Premises and equipment expense | $33,000 | 7,611 |
| Additional noninterest expense | $139,000 | 6,236 |
| Pre-tax net operating income | $558,000 | 3,258 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $170,000 | 2,851 |
| Income before extraordinary items | $389,000 | 3,584 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $389,000 | 3,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $131,000 | 2,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $388,300 | 3,474 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,205,000 | 4,756 |
| Total interest expense | $1,498,000 | 4,873 |
| Net interest income | $3,707,000 | 4,615 |
| Provision for loan and lease losses | $48,000 | 6,339 |
| Total noninterest income | $348,000 | 6,271 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $220,000 | 5,059 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $128,000 | 6,113 |
| Total noninterest expense | $1,466,000 | 6,954 |
| Salaries and employee benefits | $832,000 | 6,802 |
| Premises and equipment expense | $149,000 | 7,409 |
| Additional noninterest expense | $485,000 | 6,634 |
| Pre-tax net operating income | $2,541,000 | 2,844 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $788,000 | 2,563 |
| Income before extraordinary items | $1,753,000 | 3,164 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,753,000 | 3,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,281 |
| Cash dividends | $853,000 | 2,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,753,000 | 3,016 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,950,000 | 4,774 |
| Total interest expense | $1,164,000 | 4,907 |
| Net interest income | $2,786,000 | 4,623 |
| Provision for loan and lease losses | $36,000 | 6,222 |
| Total noninterest income | $245,000 | 6,458 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $157,000 | 5,204 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $88,000 | 6,309 |
| Total noninterest expense | $1,123,000 | 6,896 |
| Salaries and employee benefits | $619,000 | 6,831 |
| Premises and equipment expense | $105,000 | 7,546 |
| Additional noninterest expense | $399,000 | 6,348 |
| Pre-tax net operating income | $1,872,000 | 2,983 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $581,000 | 2,734 |
| Income before extraordinary items | $1,291,000 | 3,306 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,291,000 | 3,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,047 |
| Cash dividends | $394,000 | 3,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,291,000 | 3,152 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 4,783 |
| Total interest expense | $809,000 | 4,892 |
| Net interest income | $1,845,000 | 4,639 |
| Provision for loan and lease losses | $24,000 | 6,151 |
| Total noninterest income | $141,000 | 6,767 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $99,000 | 5,299 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $42,000 | 6,875 |
| Total noninterest expense | $737,000 | 6,958 |
| Salaries and employee benefits | $398,000 | 6,954 |
| Premises and equipment expense | $63,000 | 7,744 |
| Additional noninterest expense | $276,000 | 6,233 |
| Pre-tax net operating income | $1,225,000 | 3,036 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $388,000 | 2,749 |
| Income before extraordinary items | $837,000 | 3,388 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $837,000 | 3,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $262,000 | 3,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $837,000 | 3,208 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,345,000 | 4,763 |
| Total interest expense | $420,000 | 4,889 |
| Net interest income | $925,000 | 4,626 |
| Provision for loan and lease losses | $12,000 | 5,906 |
| Total noninterest income | $56,000 | 7,155 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 5,576 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 7,447 |
| Total noninterest expense | $380,000 | 6,871 |
| Salaries and employee benefits | $212,000 | 6,799 |
| Premises and equipment expense | $31,000 | 7,807 |
| Additional noninterest expense | $137,000 | 6,250 |
| Pre-tax net operating income | $589,000 | 3,130 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $175,000 | 2,918 |
| Income before extraordinary items | $414,000 | 3,377 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $414,000 | 3,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,659 |
| Cash dividends | $131,000 | 2,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $414,000 | 3,210 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,561,000 | 4,807 |
| Total interest expense | $1,978,000 | 4,827 |
| Net interest income | $3,583,000 | 4,691 |
| Provision for loan and lease losses | $42,000 | 6,887 |
| Total noninterest income | $299,000 | 6,460 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $172,000 | 5,563 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $127,000 | 5,948 |
| Total noninterest expense | $1,453,000 | 6,943 |
| Salaries and employee benefits | $816,000 | 6,827 |
| Premises and equipment expense | $175,000 | 7,092 |
| Additional noninterest expense | $462,000 | 6,732 |
| Pre-tax net operating income | $2,387,000 | 2,987 |
| Securities gains (losses) | $20,000 | 3,147 |
| Applicable income taxes | $739,000 | 2,734 |
| Income before extraordinary items | $1,668,000 | 3,230 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,668,000 | 3,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,859 |
| Cash dividends | $853,000 | 2,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,654,200 | 3,152 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,821,000 | 5,072 |
| Total interest expense | $2,417,000 | 5,492 |
| Net interest income | $3,404,000 | 4,650 |
| Provision for loan and lease losses | $48,000 | 6,745 |
| Total noninterest income | $254,000 | 6,828 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $167,000 | 5,549 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $87,000 | 6,726 |
| Total noninterest expense | $1,398,000 | 7,019 |
| Salaries and employee benefits | $795,000 | 6,796 |
| Premises and equipment expense | $119,000 | 8,021 |
| Additional noninterest expense | $484,000 | 6,547 |
| Pre-tax net operating income | $2,212,000 | 2,940 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $675,000 | 2,743 |
| Income before extraordinary items | $1,537,000 | 3,165 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,537,000 | 3,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,258 |
| Cash dividends | $853,000 | 2,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,537,000 | 3,066 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,550,000 | 5,357 |
| Total interest expense | $2,252,000 | 5,906 |
| Net interest income | $3,298,000 | 4,824 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $250,000 | 6,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $160,000 | 5,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,664 |
| Total noninterest expense | $1,299,000 | 7,247 |
| Salaries and employee benefits | $743,000 | 7,001 |
| Premises and equipment expense | $120,000 | 8,101 |
| Additional noninterest expense | $436,000 | 6,881 |
| Pre-tax net operating income | $2,213,000 | 3,063 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $687,000 | 2,828 |
| Income before extraordinary items | $1,526,000 | 3,211 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,526,000 | 3,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $853,000 | 2,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,526,000 | 3,200 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,201,000 | 5,432 |
| Total interest expense | $2,072,000 | 5,877 |
| Net interest income | $3,129,000 | 5,008 |
| Provision for loan and lease losses | $24,000 | 7,475 |
| Total noninterest income | $210,000 | 7,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,350 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,873 |
| Total noninterest expense | $1,371,000 | 7,111 |
| Salaries and employee benefits | $763,000 | 6,929 |
| Premises and equipment expense | $115,000 | 8,338 |
| Additional noninterest expense | $493,000 | 6,568 |
| Pre-tax net operating income | $1,944,000 | 3,410 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $603,000 | 3,210 |
| Income before extraordinary items | $1,341,000 | 3,547 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,341,000 | 3,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $788,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,341,000 | 3,510 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,231,000 | 5,495 |
| Total interest expense | $2,110,000 | 5,994 |
| Net interest income | $3,121,000 | 4,993 |
| Provision for loan and lease losses | $25,000 | 7,503 |
| Total noninterest income | $192,000 | 7,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 6,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,095 |
| Total noninterest expense | $1,278,000 | 7,321 |
| Salaries and employee benefits | $727,000 | 7,042 |
| Premises and equipment expense | $94,000 | 8,844 |
| Additional noninterest expense | $457,000 | 6,742 |
| Pre-tax net operating income | $2,010,000 | 3,329 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $620,000 | 3,318 |
| Income before extraordinary items | $1,390,000 | 3,459 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,390,000 | 3,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,413 |
| Cash dividends | $788,000 | 2,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,390,000 | 3,366 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,970,000 | 5,830 |
| Total interest expense | $1,995,000 | 6,281 |
| Net interest income | $2,975,000 | 5,335 |
| Provision for loan and lease losses | $40,000 | 7,002 |
| Total noninterest income | $171,000 | 8,278 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 7,468 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $1,217,000 | 7,617 |
| Salaries and employee benefits | $689,000 | 7,377 |
| Premises and equipment expense | $99,000 | 8,988 |
| Additional noninterest expense | $429,000 | 7,110 |
| Pre-tax net operating income | $1,889,000 | 3,720 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $588,000 | 3,747 |
| Income before extraordinary items | $1,301,000 | 3,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,301,000 | 3,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,638 |
| Cash dividends | $788,000 | 2,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,301,000 | 3,724 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,713,000 | 6,189 |
| Total interest expense | $1,739,000 | 6,987 |
| Net interest income | $2,974,000 | 5,481 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $176,000 | 8,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 7,673 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,617 |
| Total noninterest expense | $1,184,000 | 8,025 |
| Salaries and employee benefits | $661,000 | 7,776 |
| Premises and equipment expense | $100,000 | 9,292 |
| Additional noninterest expense | $423,000 | 7,689 |
| Pre-tax net operating income | $1,906,000 | 3,534 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $587,000 | 3,657 |
| Income before extraordinary items | $1,319,000 | 3,586 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,319,000 | 3,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,018 |
| Cash dividends | $735,000 | 2,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,319,000 | 3,538 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,443,000 | 6,521 |
| Total interest expense | $1,644,000 | 7,290 |
| Net interest income | $2,799,000 | 5,816 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $176,000 | 8,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,057 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,676 |
| Total noninterest expense | $1,270,000 | 7,950 |
| Salaries and employee benefits | $712,000 | 7,650 |
| Premises and equipment expense | $117,000 | 9,135 |
| Additional noninterest expense | $441,000 | 7,787 |
| Pre-tax net operating income | $1,645,000 | 4,122 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $526,000 | 4,034 |
| Income before extraordinary items | $1,119,000 | 4,193 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,119,000 | 4,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,418 |
| Cash dividends | $318,000 | 4,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,119,000 | 4,169 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,130,000 | 6,542 |
| Total interest expense | $1,340,000 | 7,424 |
| Net interest income | $2,790,000 | 5,929 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $156,000 | 9,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,612 |
| Total noninterest expense | $1,254,000 | 8,403 |
| Salaries and employee benefits | $661,000 | 8,188 |
| Premises and equipment expense | $113,000 | 9,600 |
| Additional noninterest expense | $480,000 | 8,055 |
| Pre-tax net operating income | $1,602,000 | 4,164 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $493,000 | 4,102 |
| Income before extraordinary items | $1,113,000 | 4,129 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,113,000 | 4,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,348 |
| Cash dividends | $267,000 | 4,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,110,240 | 4,181 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,129,000 | 6,719 |
| Total interest expense | $1,497,000 | 7,212 |
| Net interest income | $2,632,000 | 6,288 |
| Provision for loan and lease losses | $65,000 | 6,791 |
| Total noninterest income | $303,000 | 7,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $92,000 | 8,627 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 5,493 |
| Total noninterest expense | $1,314,000 | 8,464 |
| Salaries and employee benefits | $657,000 | 8,325 |
| Premises and equipment expense | $146,000 | 9,019 |
| Additional noninterest expense | $511,000 | 8,101 |
| Pre-tax net operating income | $1,556,000 | 4,175 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $436,000 | 4,702 |
| Income before extraordinary items | $1,120,000 | 4,260 |
| Extraordinary gains, net | $6,000 | 3,038 |
| Net income | $1,126,000 | 4,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $223,000 | 5,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,120,000 | 4,045 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,340,000 | 7,093 |
| Total interest expense | $1,855,000 | 7,464 |
| Net interest income | $2,485,000 | 6,634 |
| Provision for loan and lease losses | $60,000 | 8,535 |
| Total noninterest income | $164,000 | 10,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,979 |
| Total noninterest expense | $1,214,000 | 8,982 |
| Salaries and employee benefits | $619,000 | 8,652 |
| Premises and equipment expense | $125,000 | 9,856 |
| Additional noninterest expense | $470,000 | 8,755 |
| Pre-tax net operating income | $1,375,000 | 4,390 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $405,000 | 4,744 |
| Income before extraordinary items | $970,000 | 4,625 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $970,000 | 4,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 9,788 |
| Cash dividends | $189,000 | 5,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $970,000 | 4,304 |
* 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.