Home > The First National Bank of Hope > Income and Expense
The First National Bank of Hope, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,313,000 | 4,034 |
| Total interest expense | $2,658,000 | 3,816 |
| Net interest income | $3,655,000 | 4,104 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $937,000 | 3,068 |
| Gross Fiduciary activities income | $9,000 | 1,220 |
| Service charges on deposit accounts | $620,000 | 2,060 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $308,000 | 3,693 |
| Total noninterest expense | $3,651,000 | 3,411 |
| Salaries and employee benefits | $1,941,000 | 3,527 |
| Premises and equipment expense | $792,000 | 2,356 |
| Additional noninterest expense | $918,000 | 3,863 |
| Pre-tax net operating income | $941,000 | 4,852 |
| Securities gains (losses) | $-48,000 | 8,170 |
| Applicable income taxes | $158,000 | 4,423 |
| Income before extraordinary items | $735,000 | 4,906 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $735,000 | 4,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,992 |
| Cash dividends | $12,447,000 | 260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $774,360 | 4,770 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,108,000 | 4,048 |
| Total interest expense | $1,669,000 | 3,847 |
| Net interest income | $2,439,000 | 4,109 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $616,000 | 3,064 |
| Gross Fiduciary activities income | $9,000 | 1,185 |
| Service charges on deposit accounts | $409,000 | 2,065 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $198,000 | 3,764 |
| Total noninterest expense | $2,439,000 | 3,411 |
| Salaries and employee benefits | $1,316,000 | 3,492 |
| Premises and equipment expense | $515,000 | 2,403 |
| Additional noninterest expense | $608,000 | 3,874 |
| Pre-tax net operating income | $616,000 | 4,923 |
| Securities gains (losses) | $-32,000 | 8,232 |
| Applicable income taxes | $99,000 | 4,524 |
| Income before extraordinary items | $485,000 | 4,957 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $485,000 | 4,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $178,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $511,560 | 4,817 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,998,000 | 4,084 |
| Total interest expense | $804,000 | 3,805 |
| Net interest income | $1,194,000 | 4,180 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $290,000 | 3,157 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $194,000 | 2,102 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,801 |
| Total noninterest expense | $1,173,000 | 3,538 |
| Salaries and employee benefits | $650,000 | 3,543 |
| Premises and equipment expense | $241,000 | 2,538 |
| Additional noninterest expense | $282,000 | 4,091 |
| Pre-tax net operating income | $311,000 | 4,872 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $61,000 | 4,248 |
| Income before extraordinary items | $250,000 | 4,861 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $250,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $39,000 | 3,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $250,000 | 4,842 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,193,000 | 4,058 |
| Total interest expense | $2,520,000 | 3,806 |
| Net interest income | $4,673,000 | 4,154 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $989,000 | 3,591 |
| Gross Fiduciary activities income | $9,000 | 1,311 |
| Service charges on deposit accounts | $736,000 | 2,255 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $244,000 | 4,786 |
| Total noninterest expense | $4,786,000 | 3,357 |
| Salaries and employee benefits | $2,630,000 | 3,335 |
| Premises and equipment expense | $975,000 | 2,422 |
| Additional noninterest expense | $1,181,000 | 3,912 |
| Pre-tax net operating income | $876,000 | 5,692 |
| Securities gains (losses) | $41,000 | 990 |
| Applicable income taxes | $148,000 | 5,008 |
| Income before extraordinary items | $769,000 | 5,434 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $769,000 | 5,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,923 |
| Cash dividends | $154,000 | 5,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $734,560 | 5,525 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,278,000 | 4,082 |
| Total interest expense | $1,790,000 | 3,808 |
| Net interest income | $3,488,000 | 4,161 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $720,000 | 3,677 |
| Gross Fiduciary activities income | $9,000 | 1,231 |
| Service charges on deposit accounts | $548,000 | 2,267 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $163,000 | 5,033 |
| Total noninterest expense | $3,544,000 | 3,362 |
| Salaries and employee benefits | $1,971,000 | 3,315 |
| Premises and equipment expense | $705,000 | 2,495 |
| Additional noninterest expense | $868,000 | 3,932 |
| Pre-tax net operating income | $664,000 | 5,757 |
| Securities gains (losses) | $29,000 | 1,083 |
| Applicable income taxes | $129,000 | 4,992 |
| Income before extraordinary items | $564,000 | 5,613 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $564,000 | 5,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,742 |
| Cash dividends | $116,000 | 4,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $540,510 | 5,682 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,436,000 | 4,087 |
| Total interest expense | $1,130,000 | 3,787 |
| Net interest income | $2,306,000 | 4,173 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $473,000 | 3,659 |
| Gross Fiduciary activities income | $8,000 | 1,201 |
| Service charges on deposit accounts | $359,000 | 2,252 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $106,000 | 5,067 |
| Total noninterest expense | $2,356,000 | 3,353 |
| Salaries and employee benefits | $1,316,000 | 3,295 |
| Premises and equipment expense | $454,000 | 2,553 |
| Additional noninterest expense | $586,000 | 3,880 |
| Pre-tax net operating income | $423,000 | 5,843 |
| Securities gains (losses) | $36,000 | 904 |
| Applicable income taxes | $70,000 | 5,215 |
| Income before extraordinary items | $389,000 | 5,510 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $389,000 | 5,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,491 |
| Cash dividends | $77,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $358,400 | 5,681 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,712,000 | 4,075 |
| Total interest expense | $530,000 | 3,864 |
| Net interest income | $1,182,000 | 4,103 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $226,000 | 3,702 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $175,000 | 2,253 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,145 |
| Total noninterest expense | $1,185,000 | 3,345 |
| Salaries and employee benefits | $660,000 | 3,280 |
| Premises and equipment expense | $220,000 | 2,640 |
| Additional noninterest expense | $305,000 | 3,751 |
| Pre-tax net operating income | $223,000 | 5,711 |
| Securities gains (losses) | $40,000 | 607 |
| Applicable income taxes | $102,000 | 3,730 |
| Income before extraordinary items | $161,000 | 5,952 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $161,000 | 5,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $38,000 | 3,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $135,400 | 6,274 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,775,000 | 3,904 |
| Total interest expense | $1,858,000 | 3,868 |
| Net interest income | $4,917,000 | 3,848 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $998,000 | 3,557 |
| Gross Fiduciary activities income | $10,000 | 1,316 |
| Service charges on deposit accounts | $810,000 | 2,115 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $178,000 | 5,349 |
| Total noninterest expense | $4,684,000 | 3,312 |
| Salaries and employee benefits | $2,586,000 | 3,254 |
| Premises and equipment expense | $945,000 | 2,414 |
| Additional noninterest expense | $1,153,000 | 3,875 |
| Pre-tax net operating income | $1,231,000 | 4,732 |
| Securities gains (losses) | $44,000 | 1,837 |
| Applicable income taxes | $281,000 | 4,274 |
| Income before extraordinary items | $994,000 | 4,725 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $994,000 | 4,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,623 |
| Cash dividends | $155,000 | 5,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $959,680 | 4,739 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,091,000 | 3,882 |
| Total interest expense | $1,358,000 | 3,901 |
| Net interest income | $3,733,000 | 3,802 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $751,000 | 3,564 |
| Gross Fiduciary activities income | $10,000 | 1,242 |
| Service charges on deposit accounts | $623,000 | 2,092 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $118,000 | 5,608 |
| Total noninterest expense | $3,505,000 | 3,296 |
| Salaries and employee benefits | $1,974,000 | 3,168 |
| Premises and equipment expense | $701,000 | 2,417 |
| Additional noninterest expense | $830,000 | 3,977 |
| Pre-tax net operating income | $979,000 | 4,655 |
| Securities gains (losses) | $18,000 | 2,374 |
| Applicable income taxes | $243,000 | 4,136 |
| Income before extraordinary items | $754,000 | 4,774 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $754,000 | 4,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,322 |
| Cash dividends | $116,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $740,320 | 4,725 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,449,000 | 3,821 |
| Total interest expense | $894,000 | 3,948 |
| Net interest income | $2,555,000 | 3,706 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $509,000 | 3,532 |
| Gross Fiduciary activities income | $8,000 | 1,219 |
| Service charges on deposit accounts | $422,000 | 2,044 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $79,000 | 5,623 |
| Total noninterest expense | $2,321,000 | 3,329 |
| Salaries and employee benefits | $1,310,000 | 3,195 |
| Premises and equipment expense | $460,000 | 2,449 |
| Additional noninterest expense | $551,000 | 4,003 |
| Pre-tax net operating income | $743,000 | 4,304 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $169,000 | 4,052 |
| Income before extraordinary items | $581,000 | 4,338 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $581,000 | 4,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $77,000 | 4,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $575,610 | 4,272 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,768,000 | 3,758 |
| Total interest expense | $451,000 | 3,973 |
| Net interest income | $1,317,000 | 3,615 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $255,000 | 3,477 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $213,000 | 1,966 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $42,000 | 5,474 |
| Total noninterest expense | $1,177,000 | 3,281 |
| Salaries and employee benefits | $670,000 | 3,150 |
| Premises and equipment expense | $240,000 | 2,404 |
| Additional noninterest expense | $267,000 | 4,103 |
| Pre-tax net operating income | $395,000 | 4,116 |
| Securities gains (losses) | $7,000 | 2,210 |
| Applicable income taxes | $88,000 | 3,996 |
| Income before extraordinary items | $314,000 | 4,155 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $314,000 | 4,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $38,000 | 3,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $308,540 | 4,073 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,794,000 | 3,915 |
| Total interest expense | $2,033,000 | 3,982 |
| Net interest income | $4,761,000 | 3,828 |
| Provision for loan and lease losses | $95,000 | 5,413 |
| Total noninterest income | $1,067,000 | 3,578 |
| Gross Fiduciary activities income | $11,000 | 1,340 |
| Service charges on deposit accounts | $858,000 | 2,000 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $198,000 | 5,303 |
| Total noninterest expense | $4,571,000 | 3,313 |
| Salaries and employee benefits | $2,567,000 | 3,203 |
| Premises and equipment expense | $878,000 | 2,546 |
| Additional noninterest expense | $1,126,000 | 3,912 |
| Pre-tax net operating income | $1,162,000 | 4,770 |
| Securities gains (losses) | $45,000 | 2,612 |
| Applicable income taxes | $254,000 | 4,552 |
| Income before extraordinary items | $953,000 | 4,777 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $953,000 | 4,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $127,000 | 5,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $917,450 | 4,722 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 3,957 |
| Total interest expense | $1,571,000 | 4,000 |
| Net interest income | $3,546,000 | 3,865 |
| Provision for loan and lease losses | $78,000 | 5,161 |
| Total noninterest income | $767,000 | 3,738 |
| Gross Fiduciary activities income | $9,000 | 1,296 |
| Service charges on deposit accounts | $610,000 | 2,113 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $148,000 | 5,363 |
| Total noninterest expense | $3,456,000 | 3,265 |
| Salaries and employee benefits | $1,917,000 | 3,215 |
| Premises and equipment expense | $691,000 | 2,443 |
| Additional noninterest expense | $848,000 | 3,900 |
| Pre-tax net operating income | $779,000 | 5,210 |
| Securities gains (losses) | $37,000 | 2,545 |
| Applicable income taxes | $211,000 | 4,573 |
| Income before extraordinary items | $605,000 | 5,369 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $605,000 | 5,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,062 |
| Cash dividends | $88,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $577,620 | 5,304 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,410,000 | 3,991 |
| Total interest expense | $1,081,000 | 4,005 |
| Net interest income | $2,329,000 | 3,915 |
| Provision for loan and lease losses | $31,000 | 5,724 |
| Total noninterest income | $490,000 | 3,788 |
| Gross Fiduciary activities income | $8,000 | 1,256 |
| Service charges on deposit accounts | $392,000 | 2,135 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $90,000 | 5,513 |
| Total noninterest expense | $2,237,000 | 3,348 |
| Salaries and employee benefits | $1,265,000 | 3,243 |
| Premises and equipment expense | $426,000 | 2,609 |
| Additional noninterest expense | $546,000 | 3,982 |
| Pre-tax net operating income | $551,000 | 5,071 |
| Securities gains (losses) | $13,000 | 2,823 |
| Applicable income taxes | $125,000 | 4,795 |
| Income before extraordinary items | $439,000 | 5,155 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $439,000 | 5,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $49,000 | 4,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $428,860 | 5,025 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,689,000 | 4,044 |
| Total interest expense | $558,000 | 3,999 |
| Net interest income | $1,131,000 | 4,006 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $222,000 | 3,913 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $189,000 | 2,117 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $33,000 | 6,044 |
| Total noninterest expense | $1,125,000 | 3,330 |
| Salaries and employee benefits | $646,000 | 3,154 |
| Premises and equipment expense | $199,000 | 2,770 |
| Additional noninterest expense | $280,000 | 3,863 |
| Pre-tax net operating income | $228,000 | 5,517 |
| Securities gains (losses) | $6,000 | 2,344 |
| Applicable income taxes | $31,000 | 5,692 |
| Income before extraordinary items | $203,000 | 5,294 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $203,000 | 5,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $10,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $197,780 | 5,177 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,474,000 | 3,849 |
| Total interest expense | $2,623,000 | 3,946 |
| Net interest income | $4,851,000 | 3,757 |
| Provision for loan and lease losses | $542,000 | 2,254 |
| Total noninterest income | $1,102,000 | 3,260 |
| Gross Fiduciary activities income | $8,000 | 1,447 |
| Service charges on deposit accounts | $890,000 | 1,811 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $204,000 | 4,976 |
| Total noninterest expense | $4,159,000 | 3,457 |
| Salaries and employee benefits | $2,395,000 | 3,222 |
| Premises and equipment expense | $687,000 | 3,045 |
| Additional noninterest expense | $1,077,000 | 3,942 |
| Pre-tax net operating income | $1,252,000 | 4,600 |
| Securities gains (losses) | $196,000 | 1,189 |
| Applicable income taxes | $302,000 | 4,439 |
| Income before extraordinary items | $1,146,000 | 4,206 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,146,000 | 4,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,538 |
| Cash dividends | $43,000 | 6,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $991,160 | 4,501 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,611,000 | 3,775 |
| Total interest expense | $4,068,000 | 3,748 |
| Net interest income | $4,543,000 | 3,729 |
| Provision for loan and lease losses | $271,000 | 3,435 |
| Total noninterest income | $1,107,000 | 3,104 |
| Gross Fiduciary activities income | $9,000 | 1,449 |
| Service charges on deposit accounts | $901,000 | 1,681 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $197,000 | 4,961 |
| Total noninterest expense | $3,852,000 | 3,545 |
| Salaries and employee benefits | $2,309,000 | 3,179 |
| Premises and equipment expense | $520,000 | 3,748 |
| Additional noninterest expense | $1,023,000 | 3,989 |
| Pre-tax net operating income | $1,527,000 | 3,810 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $336,000 | 4,055 |
| Income before extraordinary items | $1,191,000 | 3,835 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,191,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,918 |
| Cash dividends | $42,000 | 6,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,191,000 | 3,711 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,669,000 | 3,861 |
| Total interest expense | $3,919,000 | 4,037 |
| Net interest income | $4,750,000 | 3,630 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $969,000 | 3,207 |
| Gross Fiduciary activities income | $12,000 | 1,200 |
| Service charges on deposit accounts | $814,000 | 1,705 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $143,000 | 5,596 |
| Total noninterest expense | $3,526,000 | 3,680 |
| Salaries and employee benefits | $2,186,000 | 3,211 |
| Premises and equipment expense | $467,000 | 4,009 |
| Additional noninterest expense | $873,000 | 4,447 |
| Pre-tax net operating income | $2,193,000 | 3,092 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $541,000 | 3,312 |
| Income before extraordinary items | $1,652,000 | 3,003 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,652,000 | 3,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,349 |
| Cash dividends | $43,000 | 6,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,652,000 | 2,995 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,483,000 | 3,705 |
| Total interest expense | $3,652,000 | 3,890 |
| Net interest income | $4,831,000 | 3,558 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $666,000 | 4,130 |
| Gross Fiduciary activities income | $13,000 | 1,242 |
| Service charges on deposit accounts | $535,000 | 2,475 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $118,000 | 6,224 |
| Total noninterest expense | $3,408,000 | 3,784 |
| Salaries and employee benefits | $2,163,000 | 3,194 |
| Premises and equipment expense | $453,000 | 4,097 |
| Additional noninterest expense | $792,000 | 4,820 |
| Pre-tax net operating income | $1,909,000 | 3,454 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $458,000 | 3,813 |
| Income before extraordinary items | $1,451,000 | 3,318 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,451,000 | 3,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,549 |
| Cash dividends | $42,000 | 6,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,451,000 | 3,279 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,662,000 | 3,661 |
| Total interest expense | $3,970,000 | 3,714 |
| Net interest income | $4,692,000 | 3,611 |
| Provision for loan and lease losses | $218,000 | 3,346 |
| Total noninterest income | $556,000 | 4,633 |
| Gross Fiduciary activities income | $19,000 | 1,221 |
| Service charges on deposit accounts | $417,000 | 3,020 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $120,000 | 6,209 |
| Total noninterest expense | $3,505,000 | 3,610 |
| Salaries and employee benefits | $2,135,000 | 3,142 |
| Premises and equipment expense | $508,000 | 3,654 |
| Additional noninterest expense | $862,000 | 4,433 |
| Pre-tax net operating income | $1,525,000 | 4,135 |
| Securities gains (losses) | $-24,000 | 10,310 |
| Applicable income taxes | $311,000 | 5,078 |
| Income before extraordinary items | $1,190,000 | 3,955 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,190,000 | 3,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,170 |
| Cash dividends | $42,000 | 7,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,208,960 | 3,816 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,668,000 | 3,694 |
| Total interest expense | $4,117,000 | 3,568 |
| Net interest income | $4,551,000 | 3,794 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $506,000 | 4,968 |
| Gross Fiduciary activities income | $8,000 | 1,350 |
| Service charges on deposit accounts | $375,000 | 3,407 |
| Trading account gains and fees | $11,000 | 210 |
| Additional Noninterest Income | $112,000 | 6,462 |
| Total noninterest expense | $3,325,000 | 3,772 |
| Salaries and employee benefits | $2,120,000 | 3,119 |
| Premises and equipment expense | $445,000 | 4,078 |
| Additional noninterest expense | $760,000 | 4,921 |
| Pre-tax net operating income | $1,732,000 | 3,979 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $409,000 | 4,816 |
| Income before extraordinary items | $1,324,000 | 3,743 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,324,000 | 3,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 10,705 |
| Cash dividends | $42,000 | 7,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,323,240 | 3,674 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,121,000 | 3,980 |
| Total interest expense | $3,835,000 | 3,864 |
| Net interest income | $4,286,000 | 4,044 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $506,000 | 5,112 |
| Gross Fiduciary activities income | $16,000 | 1,366 |
| Service charges on deposit accounts | $372,000 | 3,554 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $118,000 | 6,646 |
| Total noninterest expense | $3,128,000 | 4,178 |
| Salaries and employee benefits | $1,991,000 | 3,346 |
| Premises and equipment expense | $445,000 | 4,155 |
| Additional noninterest expense | $692,000 | 5,790 |
| Pre-tax net operating income | $1,644,000 | 4,042 |
| Securities gains (losses) | $-27,000 | 10,789 |
| Applicable income taxes | $382,000 | 5,043 |
| Income before extraordinary items | $1,235,000 | 3,784 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,235,000 | 3,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $2,443,000 | 1,123 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,255,520 | 3,676 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,734,000 | 4,134 |
| Total interest expense | $3,495,000 | 4,164 |
| Net interest income | $4,239,000 | 4,112 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $593,000 | 4,610 |
| Gross Fiduciary activities income | $23,000 | 1,396 |
| Service charges on deposit accounts | $416,000 | 3,236 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $154,000 | 5,906 |
| Total noninterest expense | $3,114,000 | 4,142 |
| Salaries and employee benefits | $1,892,000 | 3,489 |
| Premises and equipment expense | $460,000 | 4,043 |
| Additional noninterest expense | $762,000 | 5,454 |
| Pre-tax net operating income | $1,718,000 | 4,002 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $418,000 | 4,795 |
| Income before extraordinary items | $1,300,000 | 3,689 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,300,000 | 3,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $38,000 | 8,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,300,000 | 3,663 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,859,000 | 4,304 |
| Total interest expense | $2,846,000 | 4,152 |
| Net interest income | $4,013,000 | 4,368 |
| Provision for loan and lease losses | $44,000 | 6,435 |
| Total noninterest income | $524,000 | 5,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $385,000 | 3,509 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 6,445 |
| Total noninterest expense | $3,180,000 | 4,195 |
| Salaries and employee benefits | $1,851,000 | 3,521 |
| Premises and equipment expense | $487,000 | 3,887 |
| Additional noninterest expense | $842,000 | 5,463 |
| Pre-tax net operating income | $1,313,000 | 4,905 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $282,000 | 6,098 |
| Income before extraordinary items | $1,037,000 | 4,396 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,037,000 | 4,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,572 |
| Cash dividends | $36,000 | 8,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,032,260 | 4,467 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,860,000 | 4,390 |
| Total interest expense | $2,702,000 | 4,513 |
| Net interest income | $4,158,000 | 4,249 |
| Provision for loan and lease losses | $100,000 | 5,727 |
| Total noninterest income | $521,000 | 5,453 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 6,106 |
| Total noninterest expense | $3,064,000 | 4,429 |
| Salaries and employee benefits | $1,742,000 | 3,738 |
| Premises and equipment expense | $499,000 | 3,867 |
| Additional noninterest expense | $823,000 | 5,789 |
| Pre-tax net operating income | $1,515,000 | 4,287 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $342,000 | 5,595 |
| Income before extraordinary items | $1,175,000 | 4,094 |
| Extraordinary gains, net | $38,000 | 2,338 |
| Net income | $1,213,000 | 4,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,656 |
| Cash dividends | $36,000 | 8,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,173,460 | 3,903 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,719,000 | 4,429 |
| Total interest expense | $3,378,000 | 4,684 |
| Net interest income | $4,341,000 | 4,138 |
| Provision for loan and lease losses | $220,000 | 4,962 |
| Total noninterest income | $548,000 | 5,287 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $397,000 | 3,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 6,621 |
| Total noninterest expense | $2,778,000 | 4,856 |
| Salaries and employee benefits | $1,455,000 | 4,341 |
| Premises and equipment expense | $474,000 | 4,158 |
| Additional noninterest expense | $849,000 | 5,805 |
| Pre-tax net operating income | $1,891,000 | 3,274 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $479,000 | 4,133 |
| Income before extraordinary items | $1,414,000 | 3,244 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,414,000 | 3,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $102,000 | 6,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,412,500 | 3,019 |
* 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.