Home > The First National Bank of Chelsea > Income and Expense
The First National Bank of Chelsea, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $937,000 | 8,171 |
| Total interest expense | $260,000 | 8,240 |
| Net interest income | $677,000 | 8,059 |
| Provision for loan and lease losses | $6,000 | 6,493 |
| Total noninterest income | $332,000 | 5,424 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $253,000 | 3,926 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $79,000 | 6,242 |
| Total noninterest expense | $807,000 | 7,596 |
| Salaries and employee benefits | $441,000 | 7,621 |
| Premises and equipment expense | $40,000 | 8,377 |
| Additional noninterest expense | $326,000 | 6,903 |
| Pre-tax net operating income | $196,000 | 7,432 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $196,000 | 7,244 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $196,000 | 7,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,540 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $196,000 | 7,242 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $612,000 | 8,227 |
| Total interest expense | $165,000 | 8,290 |
| Net interest income | $447,000 | 8,110 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $217,000 | 5,465 |
| 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 | $52,000 | 6,320 |
| Total noninterest expense | $537,000 | 7,624 |
| Salaries and employee benefits | $291,000 | 7,685 |
| Premises and equipment expense | $26,000 | 8,413 |
| Additional noninterest expense | $220,000 | 6,901 |
| Pre-tax net operating income | $127,000 | 7,521 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $127,000 | 7,336 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $127,000 | 7,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,343 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $127,000 | 7,339 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $305,000 | 8,238 |
| Total interest expense | $79,000 | 8,318 |
| Net interest income | $226,000 | 8,119 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $101,000 | 5,577 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $77,000 | 4,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $271,000 | 7,629 |
| Salaries and employee benefits | $149,000 | 7,651 |
| Premises and equipment expense | $14,000 | 8,354 |
| Additional noninterest expense | $108,000 | 6,919 |
| Pre-tax net operating income | $56,000 | 7,619 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $56,000 | 7,431 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $56,000 | 7,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $56,000 | 7,436 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,165,000 | 8,209 |
| Total interest expense | $284,000 | 8,228 |
| Net interest income | $881,000 | 8,116 |
| Provision for loan and lease losses | $4,000 | 7,015 |
| Total noninterest income | $420,000 | 5,619 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $323,000 | 4,009 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $97,000 | 6,449 |
| Total noninterest expense | $1,187,000 | 7,420 |
| Salaries and employee benefits | $610,000 | 7,589 |
| Premises and equipment expense | $54,000 | 8,416 |
| Additional noninterest expense | $523,000 | 6,446 |
| Pre-tax net operating income | $110,000 | 7,968 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $110,000 | 7,938 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $110,000 | 7,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,787 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 897 |
| Net operating income | $110,000 | 7,913 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $868,000 | 8,250 |
| Total interest expense | $209,000 | 8,247 |
| Net interest income | $659,000 | 8,164 |
| Provision for loan and lease losses | $4,000 | 6,766 |
| Total noninterest income | $322,000 | 5,613 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $239,000 | 4,067 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $83,000 | 6,247 |
| Total noninterest expense | $874,000 | 7,454 |
| Salaries and employee benefits | $445,000 | 7,616 |
| Premises and equipment expense | $44,000 | 8,369 |
| Additional noninterest expense | $385,000 | 6,468 |
| Pre-tax net operating income | $103,000 | 8,004 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $103,000 | 7,942 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $103,000 | 7,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,418 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 735 |
| Net operating income | $103,000 | 7,917 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $577,000 | 8,267 |
| Total interest expense | $135,000 | 8,249 |
| Net interest income | $442,000 | 8,169 |
| Provision for loan and lease losses | $4,000 | 6,457 |
| Total noninterest income | $211,000 | 5,621 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $155,000 | 4,080 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $56,000 | 6,224 |
| Total noninterest expense | $593,000 | 7,425 |
| Salaries and employee benefits | $301,000 | 7,602 |
| Premises and equipment expense | $28,000 | 8,405 |
| Additional noninterest expense | $264,000 | 6,366 |
| Pre-tax net operating income | $56,000 | 8,100 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $56,000 | 8,066 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $56,000 | 8,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 602 |
| Net operating income | $56,000 | 8,030 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $286,000 | 8,325 |
| Total interest expense | $66,000 | 8,315 |
| Net interest income | $220,000 | 8,255 |
| Provision for loan and lease losses | $4,000 | 5,908 |
| Total noninterest income | $101,000 | 5,663 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $72,000 | 4,184 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $29,000 | 6,226 |
| Total noninterest expense | $298,000 | 7,461 |
| Salaries and employee benefits | $150,000 | 7,665 |
| Premises and equipment expense | $13,000 | 8,500 |
| Additional noninterest expense | $135,000 | 6,349 |
| Pre-tax net operating income | $19,000 | 8,264 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $19,000 | 8,249 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $19,000 | 8,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 450 |
| Net operating income | $19,000 | 8,226 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 8,162 |
| Total interest expense | $278,000 | 8,183 |
| Net interest income | $970,000 | 8,065 |
| Provision for loan and lease losses | $61,000 | 5,633 |
| Total noninterest income | $459,000 | 5,480 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $336,000 | 4,043 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $123,000 | 6,060 |
| Total noninterest expense | $1,296,000 | 7,266 |
| Salaries and employee benefits | $621,000 | 7,582 |
| Premises and equipment expense | $55,000 | 8,542 |
| Additional noninterest expense | $620,000 | 5,878 |
| Pre-tax net operating income | $72,000 | 8,189 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-2,000 | 8,531 |
| Income before extraordinary items | $74,000 | 8,191 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $74,000 | 8,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,787 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $74,000 | 8,151 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $941,000 | 8,189 |
| Total interest expense | $210,000 | 8,205 |
| Net interest income | $731,000 | 8,089 |
| Provision for loan and lease losses | $61,000 | 5,112 |
| Total noninterest income | $358,000 | 5,410 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $259,000 | 4,008 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $99,000 | 5,932 |
| Total noninterest expense | $1,004,000 | 7,162 |
| Salaries and employee benefits | $471,000 | 7,498 |
| Premises and equipment expense | $46,000 | 8,464 |
| Additional noninterest expense | $487,000 | 5,711 |
| Pre-tax net operating income | $24,000 | 8,395 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-3,000 | 8,680 |
| Income before extraordinary items | $27,000 | 8,409 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $27,000 | 8,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,087 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $27,000 | 8,371 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $625,000 | 8,247 |
| Total interest expense | $141,000 | 8,266 |
| Net interest income | $484,000 | 8,151 |
| Provision for loan and lease losses | $26,000 | 5,598 |
| Total noninterest income | $249,000 | 5,299 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $181,000 | 3,891 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $68,000 | 5,903 |
| Total noninterest expense | $689,000 | 7,137 |
| Salaries and employee benefits | $325,000 | 7,461 |
| Premises and equipment expense | $32,000 | 8,470 |
| Additional noninterest expense | $332,000 | 5,657 |
| Pre-tax net operating income | $18,000 | 8,428 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-2,000 | 8,725 |
| Income before extraordinary items | $20,000 | 8,456 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,000 | 8,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,801 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $20,000 | 8,397 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $300,000 | 8,355 |
| Total interest expense | $71,000 | 8,324 |
| Net interest income | $229,000 | 8,278 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $119,000 | 5,364 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $87,000 | 3,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $32,000 | 5,977 |
| Total noninterest expense | $334,000 | 7,243 |
| Salaries and employee benefits | $163,000 | 7,505 |
| Premises and equipment expense | $15,000 | 8,548 |
| Additional noninterest expense | $156,000 | 5,881 |
| Pre-tax net operating income | $14,000 | 8,392 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $14,000 | 8,412 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $14,000 | 8,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $14,000 | 8,347 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,366,000 | 8,211 |
| Total interest expense | $352,000 | 8,286 |
| Net interest income | $1,014,000 | 8,083 |
| Provision for loan and lease losses | $68,000 | 5,867 |
| Total noninterest income | $503,000 | 5,421 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $389,000 | 3,707 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $114,000 | 6,308 |
| Total noninterest expense | $1,275,000 | 7,317 |
| Salaries and employee benefits | $641,000 | 7,538 |
| Premises and equipment expense | $52,000 | 8,737 |
| Additional noninterest expense | $582,000 | 6,089 |
| Pre-tax net operating income | $174,000 | 7,910 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $3,000 | 7,286 |
| Income before extraordinary items | $171,000 | 7,905 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $171,000 | 7,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,437 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-54,000 | 9,097 |
| Net operating income | $171,000 | 7,778 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,041,000 | 8,279 |
| Total interest expense | $275,000 | 8,355 |
| Net interest income | $766,000 | 8,143 |
| Provision for loan and lease losses | $68,000 | 5,354 |
| Total noninterest income | $384,000 | 5,413 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $293,000 | 3,704 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $91,000 | 6,249 |
| Total noninterest expense | $933,000 | 7,371 |
| Salaries and employee benefits | $455,000 | 7,629 |
| Premises and equipment expense | $39,000 | 8,772 |
| Additional noninterest expense | $439,000 | 6,064 |
| Pre-tax net operating income | $149,000 | 7,977 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,000 | 7,369 |
| Income before extraordinary items | $147,000 | 7,923 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $147,000 | 7,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,321 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $-54,000 | 9,161 |
| Net operating income | $147,000 | 7,775 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $704,000 | 8,316 |
| Total interest expense | $190,000 | 8,398 |
| Net interest income | $514,000 | 8,177 |
| Provision for loan and lease losses | $68,000 | 4,566 |
| Total noninterest income | $259,000 | 5,369 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $205,000 | 3,565 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $54,000 | 6,441 |
| Total noninterest expense | $617,000 | 7,413 |
| Salaries and employee benefits | $300,000 | 7,690 |
| Premises and equipment expense | $25,000 | 8,820 |
| Additional noninterest expense | $292,000 | 6,071 |
| Pre-tax net operating income | $88,000 | 8,099 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $86,000 | 8,087 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $86,000 | 8,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,755 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $86,000 | 7,925 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $359,000 | 8,348 |
| Total interest expense | $100,000 | 8,430 |
| Net interest income | $259,000 | 8,191 |
| Provision for loan and lease losses | $68,000 | 3,104 |
| Total noninterest income | $112,000 | 5,626 |
| 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 | $19,000 | 7,007 |
| Total noninterest expense | $303,000 | 7,495 |
| Salaries and employee benefits | $146,000 | 7,774 |
| Premises and equipment expense | $12,000 | 8,854 |
| Additional noninterest expense | $145,000 | 6,052 |
| Pre-tax net operating income | $0 | 8,688 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $-2,000 | 8,777 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,000 | 8,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,694 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-2,000 | 8,677 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,602,000 | 8,263 |
| Total interest expense | $553,000 | 8,236 |
| Net interest income | $1,049,000 | 8,195 |
| Provision for loan and lease losses | $216,000 | 4,206 |
| Total noninterest income | $485,000 | 5,297 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $414,000 | 3,452 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 7,051 |
| Total noninterest expense | $1,339,000 | 7,161 |
| Salaries and employee benefits | $584,000 | 7,765 |
| Premises and equipment expense | $47,000 | 8,947 |
| Additional noninterest expense | $708,000 | 5,371 |
| Pre-tax net operating income | $-21,000 | 8,675 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-1,000 | 8,792 |
| Income before extraordinary items | $-20,000 | 8,759 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-20,000 | 8,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,660 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $307,000 | 529 |
| Net operating income | $-20,000 | 8,683 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,972,000 | 8,238 |
| Total interest expense | $947,000 | 8,130 |
| Net interest income | $1,025,000 | 8,235 |
| Provision for loan and lease losses | $144,000 | 4,879 |
| Total noninterest income | $555,000 | 4,786 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $495,000 | 2,858 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $60,000 | 7,402 |
| Total noninterest expense | $1,427,000 | 6,957 |
| Salaries and employee benefits | $641,000 | 7,470 |
| Premises and equipment expense | $55,000 | 9,043 |
| Additional noninterest expense | $731,000 | 5,114 |
| Pre-tax net operating income | $9,000 | 8,683 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $7,000 | 7,684 |
| Income before extraordinary items | $2,000 | 8,809 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,000 | 8,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,996 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 905 |
| Net operating income | $2,000 | 8,725 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,134,000 | 8,276 |
| Total interest expense | $935,000 | 8,369 |
| Net interest income | $1,199,000 | 8,067 |
| Provision for loan and lease losses | $226,000 | 3,483 |
| Total noninterest income | $549,000 | 4,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $515,000 | 2,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,376 |
| Total noninterest expense | $1,499,000 | 6,755 |
| Salaries and employee benefits | $638,000 | 7,507 |
| Premises and equipment expense | $53,000 | 9,309 |
| Additional noninterest expense | $808,000 | 4,703 |
| Pre-tax net operating income | $23,000 | 9,045 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-1,000 | 9,263 |
| Income before extraordinary items | $24,000 | 9,059 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $24,000 | 9,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,456 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $24,000 | 9,042 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,135,000 | 8,351 |
| Total interest expense | $969,000 | 8,257 |
| Net interest income | $1,166,000 | 8,269 |
| Provision for loan and lease losses | $37,000 | 6,969 |
| Total noninterest income | $516,000 | 4,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $392,000 | 3,269 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,094 |
| Total noninterest expense | $1,320,000 | 7,248 |
| Salaries and employee benefits | $641,000 | 7,534 |
| Premises and equipment expense | $39,000 | 9,842 |
| Additional noninterest expense | $640,000 | 5,577 |
| Pre-tax net operating income | $325,000 | 7,949 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $325,000 | 7,434 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $325,000 | 7,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,387 |
| Cash dividends | $250,000 | 4,843 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,014 |
| Net operating income | $325,000 | 7,409 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,030,000 | 8,650 |
| Total interest expense | $868,000 | 8,768 |
| Net interest income | $1,162,000 | 8,417 |
| Provision for loan and lease losses | $38,000 | 7,037 |
| Total noninterest income | $439,000 | 5,332 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 6,959 |
| Total noninterest expense | $1,163,000 | 7,645 |
| Salaries and employee benefits | $555,000 | 8,019 |
| Premises and equipment expense | $40,000 | 10,020 |
| Additional noninterest expense | $568,000 | 5,960 |
| Pre-tax net operating income | $400,000 | 7,875 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $35,000 | 8,609 |
| Income before extraordinary items | $365,000 | 7,444 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $365,000 | 7,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,584 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $365,000 | 7,366 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,732,000 | 9,380 |
| Total interest expense | $732,000 | 9,460 |
| Net interest income | $1,000,000 | 9,186 |
| Provision for loan and lease losses | $9,000 | 8,470 |
| Total noninterest income | $394,000 | 5,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 3,822 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,765 |
| Total noninterest expense | $1,134,000 | 7,894 |
| Salaries and employee benefits | $500,000 | 8,604 |
| Premises and equipment expense | $40,000 | 10,440 |
| Additional noninterest expense | $594,000 | 5,849 |
| Pre-tax net operating income | $251,000 | 9,287 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $8,000 | 9,918 |
| Income before extraordinary items | $243,000 | 8,804 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $243,000 | 8,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $151,000 | 5,868 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 10,732 |
| Net operating income | $243,000 | 8,762 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,696,000 | 9,813 |
| Total interest expense | $776,000 | 9,721 |
| Net interest income | $920,000 | 9,783 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $352,000 | 6,421 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,742 |
| Total noninterest expense | $1,055,000 | 8,488 |
| Salaries and employee benefits | $482,000 | 9,015 |
| Premises and equipment expense | $37,000 | 10,993 |
| Additional noninterest expense | $536,000 | 6,795 |
| Pre-tax net operating income | $217,000 | 9,685 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $31,000 | 10,021 |
| Income before extraordinary items | $186,000 | 9,429 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $186,000 | 9,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $126,000 | 6,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $186,000 | 9,372 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 10,060 |
| Total interest expense | $746,000 | 10,136 |
| Net interest income | $1,023,000 | 9,879 |
| Provision for loan and lease losses | $130,000 | 3,931 |
| Total noninterest income | $322,000 | 6,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 4,918 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,356 |
| Total noninterest expense | $1,054,000 | 8,741 |
| Salaries and employee benefits | $464,000 | 9,414 |
| Premises and equipment expense | $35,000 | 11,504 |
| Additional noninterest expense | $555,000 | 6,821 |
| Pre-tax net operating income | $161,000 | 10,709 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $36,000 | 10,464 |
| Income before extraordinary items | $125,000 | 10,700 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $125,000 | 10,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,217 |
| Cash dividends | $61,000 | 7,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $125,000 | 10,679 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,651,000 | 10,436 |
| Total interest expense | $576,000 | 10,717 |
| Net interest income | $1,075,000 | 10,160 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $334,000 | 6,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $246,000 | 5,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,913 |
| Total noninterest expense | $1,044,000 | 9,195 |
| Salaries and employee benefits | $465,000 | 9,708 |
| Premises and equipment expense | $32,000 | 12,185 |
| Additional noninterest expense | $547,000 | 7,446 |
| Pre-tax net operating income | $365,000 | 9,620 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $114,000 | 9,050 |
| Income before extraordinary items | $251,000 | 9,683 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $251,000 | 9,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $151,000 | 6,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $251,000 | 9,754 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,484,000 | 11,279 |
| Total interest expense | $533,000 | 11,515 |
| Net interest income | $951,000 | 10,950 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $300,000 | 7,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 5,619 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,582 |
| Total noninterest expense | $871,000 | 10,337 |
| Salaries and employee benefits | $419,000 | 10,451 |
| Premises and equipment expense | $32,000 | 12,790 |
| Additional noninterest expense | $420,000 | 9,039 |
| Pre-tax net operating income | $380,000 | 9,579 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $96,000 | 9,830 |
| Income before extraordinary items | $284,000 | 9,645 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $284,000 | 9,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 11,050 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $284,000 | 9,387 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,414,000 | 12,157 |
| Total interest expense | $626,000 | 12,172 |
| Net interest income | $788,000 | 11,960 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $265,000 | 8,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,979 |
| Total noninterest expense | $872,000 | 10,654 |
| Salaries and employee benefits | $392,000 | 10,964 |
| Premises and equipment expense | $31,000 | 13,377 |
| Additional noninterest expense | $449,000 | 8,975 |
| Pre-tax net operating income | $181,000 | 11,252 |
| Securities gains (losses) | $15,000 | 5,962 |
| Applicable income taxes | $31,000 | 11,785 |
| Income before extraordinary items | $165,000 | 11,060 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $165,000 | 11,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $87,000 | 6,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $152,400 | 10,904 |
* 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.