Home > The Home Bank > Income and Expense
The Home Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,459,000 | 7,640 |
| Total interest expense | $557,000 | 7,440 |
| Net interest income | $902,000 | 7,645 |
| Provision for loan and lease losses | $15,000 | 6,184 |
| Total noninterest income | $124,000 | 7,242 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $83,000 | 6,071 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 7,178 |
| Total noninterest expense | $417,000 | 8,406 |
| Salaries and employee benefits | $198,000 | 8,481 |
| Premises and equipment expense | $95,000 | 7,532 |
| Additional noninterest expense | $124,000 | 8,327 |
| Pre-tax net operating income | $594,000 | 5,879 |
| Securities gains (losses) | $12,000 | 854 |
| Applicable income taxes | $237,000 | 3,925 |
| Income before extraordinary items | $369,000 | 6,385 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $369,000 | 6,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,728 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $361,320 | 6,420 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,627,000 | 3,717 |
| Total interest expense | $1,291,000 | 4,497 |
| Net interest income | $3,336,000 | 3,269 |
| Provision for loan and lease losses | $100,000 | 3,294 |
| Total noninterest income | $448,000 | 3,777 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $274,000 | 2,879 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $174,000 | 4,013 |
| Total noninterest expense | $1,748,000 | 4,404 |
| Salaries and employee benefits | $932,000 | 4,493 |
| Premises and equipment expense | $319,000 | 3,590 |
| Additional noninterest expense | $497,000 | 4,507 |
| Pre-tax net operating income | $1,936,000 | 2,371 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $94,000 | 4,592 |
| Income before extraordinary items | $1,842,000 | 1,976 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,842,000 | 1,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,393 |
| Cash dividends | $1,400,000 | 1,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,842,000 | 1,960 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,359,000 | 3,594 |
| Total interest expense | $645,000 | 4,389 |
| Net interest income | $1,714,000 | 3,180 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $247,000 | 3,501 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $149,000 | 2,615 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $98,000 | 3,749 |
| Total noninterest expense | $999,000 | 4,022 |
| Salaries and employee benefits | $572,000 | 3,890 |
| Premises and equipment expense | $166,000 | 3,475 |
| Additional noninterest expense | $261,000 | 4,335 |
| Pre-tax net operating income | $937,000 | 2,389 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $45,000 | 4,614 |
| Income before extraordinary items | $892,000 | 1,987 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $892,000 | 1,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 1,969 |
| Cash dividends | $550,000 | 1,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $892,000 | 1,971 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,991,000 | 3,765 |
| Total interest expense | $1,866,000 | 4,645 |
| Net interest income | $6,125,000 | 3,364 |
| Provision for loan and lease losses | $325,000 | 2,662 |
| Total noninterest income | $1,027,000 | 3,491 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $703,000 | 2,344 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $324,000 | 4,173 |
| Total noninterest expense | $3,848,000 | 3,983 |
| Salaries and employee benefits | $2,051,000 | 4,055 |
| Premises and equipment expense | $617,000 | 3,571 |
| Additional noninterest expense | $1,180,000 | 3,913 |
| Pre-tax net operating income | $2,979,000 | 2,769 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $145,000 | 5,035 |
| Income before extraordinary items | $2,834,000 | 2,357 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,834,000 | 2,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,121 |
| Cash dividends | $1,800,000 | 1,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,834,000 | 2,329 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,753,000 | 3,825 |
| Total interest expense | $1,285,000 | 4,746 |
| Net interest income | $4,468,000 | 3,436 |
| Provision for loan and lease losses | $240,000 | 2,610 |
| Total noninterest income | $749,000 | 3,573 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $536,000 | 2,306 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $213,000 | 4,469 |
| Total noninterest expense | $2,856,000 | 3,982 |
| Salaries and employee benefits | $1,520,000 | 4,050 |
| Premises and equipment expense | $454,000 | 3,629 |
| Additional noninterest expense | $882,000 | 3,868 |
| Pre-tax net operating income | $2,121,000 | 2,930 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $103,000 | 5,214 |
| Income before extraordinary items | $2,018,000 | 2,467 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,018,000 | 2,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,641 |
| Cash dividends | $1,140,000 | 1,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,018,000 | 2,439 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,689,000 | 3,880 |
| Total interest expense | $787,000 | 4,831 |
| Net interest income | $2,902,000 | 3,494 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $512,000 | 3,455 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $364,000 | 2,239 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $148,000 | 4,350 |
| Total noninterest expense | $1,886,000 | 3,996 |
| Salaries and employee benefits | $988,000 | 4,116 |
| Premises and equipment expense | $293,000 | 3,693 |
| Additional noninterest expense | $605,000 | 3,774 |
| Pre-tax net operating income | $1,408,000 | 2,892 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $69,000 | 5,230 |
| Income before extraordinary items | $1,339,000 | 2,416 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,339,000 | 2,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,327 |
| Cash dividends | $700,000 | 1,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,339,000 | 2,386 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,804,000 | 3,917 |
| Total interest expense | $368,000 | 4,916 |
| Net interest income | $1,436,000 | 3,534 |
| Provision for loan and lease losses | $65,000 | 2,741 |
| Total noninterest income | $238,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $178,000 | 2,221 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $941,000 | 4,028 |
| Salaries and employee benefits | $494,000 | 4,130 |
| Premises and equipment expense | $147,000 | 3,704 |
| Additional noninterest expense | $300,000 | 3,802 |
| Pre-tax net operating income | $668,000 | 2,968 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $33,000 | 5,220 |
| Income before extraordinary items | $635,000 | 2,490 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $635,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,042 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $635,000 | 2,456 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,523,000 | 4,005 |
| Total interest expense | $1,076,000 | 5,450 |
| Net interest income | $5,447,000 | 3,560 |
| Provision for loan and lease losses | $195,000 | 3,736 |
| Total noninterest income | $757,000 | 4,198 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $532,000 | 2,998 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $225,000 | 4,850 |
| Total noninterest expense | $3,751,000 | 3,945 |
| Salaries and employee benefits | $1,771,000 | 4,389 |
| Premises and equipment expense | $571,000 | 3,684 |
| Additional noninterest expense | $1,409,000 | 3,281 |
| Pre-tax net operating income | $2,258,000 | 3,237 |
| Securities gains (losses) | $-226,000 | 8,812 |
| Applicable income taxes | $111,000 | 5,408 |
| Income before extraordinary items | $1,921,000 | 3,020 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,921,000 | 3,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,946 |
| Cash dividends | $1,400,000 | 1,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,135,700 | 2,699 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,281,000 | 4,391 |
| Total interest expense | $765,000 | 5,573 |
| Net interest income | $3,516,000 | 3,995 |
| Provision for loan and lease losses | $160,000 | 3,409 |
| Total noninterest income | $935,000 | 3,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $935,000 | 1,856 |
| Total noninterest expense | $2,896,000 | 3,821 |
| Salaries and employee benefits | $1,421,000 | 4,130 |
| Premises and equipment expense | $498,000 | 3,262 |
| Additional noninterest expense | $977,000 | 3,495 |
| Pre-tax net operating income | $1,395,000 | 3,758 |
| Securities gains (losses) | $88,000 | 1,272 |
| Applicable income taxes | $73,000 | 5,669 |
| Income before extraordinary items | $1,410,000 | 3,122 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,410,000 | 3,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,418 |
| Cash dividends | $1,025,000 | 1,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,326,400 | 3,212 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,792,000 | 4,468 |
| Total interest expense | $504,000 | 5,621 |
| Net interest income | $2,288,000 | 4,071 |
| Provision for loan and lease losses | $75,000 | 3,988 |
| Total noninterest income | $606,000 | 3,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $606,000 | 1,911 |
| Total noninterest expense | $1,971,000 | 3,779 |
| Salaries and employee benefits | $926,000 | 4,223 |
| Premises and equipment expense | $292,000 | 3,633 |
| Additional noninterest expense | $753,000 | 3,110 |
| Pre-tax net operating income | $848,000 | 3,960 |
| Securities gains (losses) | $46,000 | 1,516 |
| Applicable income taxes | $44,000 | 5,755 |
| Income before extraordinary items | $850,000 | 3,366 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $850,000 | 3,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,000 |
| Cash dividends | $675,000 | 1,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $806,300 | 3,419 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,378,000 | 4,542 |
| Total interest expense | $255,000 | 5,662 |
| Net interest income | $1,123,000 | 4,121 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $298,000 | 3,123 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $298,000 | 1,895 |
| Total noninterest expense | $941,000 | 3,951 |
| Salaries and employee benefits | $461,000 | 4,266 |
| Premises and equipment expense | $140,000 | 3,776 |
| Additional noninterest expense | $340,000 | 3,380 |
| Pre-tax net operating income | $450,000 | 3,785 |
| Securities gains (losses) | $22,000 | 1,655 |
| Applicable income taxes | $23,000 | 5,671 |
| Income before extraordinary items | $449,000 | 3,202 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $449,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 1,653 |
| Cash dividends | $375,000 | 1,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $428,100 | 3,209 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,551,000 | 4,537 |
| Total interest expense | $1,226,000 | 5,494 |
| Net interest income | $4,325,000 | 4,126 |
| Provision for loan and lease losses | $175,000 | 4,313 |
| Total noninterest income | $1,328,000 | 3,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,328,000 | 1,981 |
| Total noninterest expense | $3,298,000 | 4,317 |
| Salaries and employee benefits | $1,679,000 | 4,475 |
| Premises and equipment expense | $621,000 | 3,429 |
| Additional noninterest expense | $998,000 | 4,283 |
| Pre-tax net operating income | $2,180,000 | 3,194 |
| Securities gains (losses) | $359,000 | 942 |
| Applicable income taxes | $55,000 | 6,211 |
| Income before extraordinary items | $2,484,000 | 2,385 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,484,000 | 2,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,473 |
| Cash dividends | $1,000,000 | 2,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,132,180 | 2,598 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,172,000 | 4,588 |
| Total interest expense | $955,000 | 5,520 |
| Net interest income | $3,217,000 | 4,175 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $933,000 | 3,279 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $933,000 | 2,151 |
| Total noninterest expense | $2,487,000 | 4,288 |
| Salaries and employee benefits | $1,305,000 | 4,359 |
| Premises and equipment expense | $493,000 | 3,256 |
| Additional noninterest expense | $689,000 | 4,516 |
| Pre-tax net operating income | $1,573,000 | 3,419 |
| Securities gains (losses) | $305,000 | 946 |
| Applicable income taxes | $41,000 | 6,370 |
| Income before extraordinary items | $1,837,000 | 2,511 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,837,000 | 2,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,102 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,538,100 | 2,767 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,794,000 | 4,612 |
| Total interest expense | $645,000 | 5,599 |
| Net interest income | $2,149,000 | 4,173 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $589,000 | 3,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $589,000 | 2,212 |
| Total noninterest expense | $1,624,000 | 4,346 |
| Salaries and employee benefits | $865,000 | 4,372 |
| Premises and equipment expense | $361,000 | 3,003 |
| Additional noninterest expense | $398,000 | 5,025 |
| Pre-tax net operating income | $1,024,000 | 3,473 |
| Securities gains (losses) | $206,000 | 1,027 |
| Applicable income taxes | $27,000 | 6,403 |
| Income before extraordinary items | $1,203,000 | 2,576 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,203,000 | 2,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,001,120 | 2,823 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,386,000 | 4,662 |
| Total interest expense | $327,000 | 5,678 |
| Net interest income | $1,059,000 | 4,227 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $284,000 | 3,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $284,000 | 2,190 |
| Total noninterest expense | $806,000 | 4,349 |
| Salaries and employee benefits | $432,000 | 4,377 |
| Premises and equipment expense | $182,000 | 2,985 |
| Additional noninterest expense | $192,000 | 5,116 |
| Pre-tax net operating income | $447,000 | 3,774 |
| Securities gains (losses) | $93,000 | 1,041 |
| Applicable income taxes | $12,000 | 6,453 |
| Income before extraordinary items | $528,000 | 2,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $528,000 | 2,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $436,860 | 3,087 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,442,000 | 4,883 |
| Total interest expense | $1,552,000 | 5,621 |
| Net interest income | $3,890,000 | 4,437 |
| Provision for loan and lease losses | $470,000 | 2,504 |
| Total noninterest income | $1,033,000 | 3,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,033,000 | 2,133 |
| Total noninterest expense | $2,989,000 | 4,472 |
| Salaries and employee benefits | $1,565,000 | 4,528 |
| Premises and equipment expense | $648,000 | 3,192 |
| Additional noninterest expense | $776,000 | 5,040 |
| Pre-tax net operating income | $1,464,000 | 4,185 |
| Securities gains (losses) | $283,000 | 934 |
| Applicable income taxes | $56,000 | 6,444 |
| Income before extraordinary items | $1,691,000 | 3,201 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,691,000 | 3,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,568 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,416,490 | 3,546 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,386,000 | 5,354 |
| Total interest expense | $2,511,000 | 5,382 |
| Net interest income | $2,875,000 | 5,234 |
| Provision for loan and lease losses | $93,000 | 5,742 |
| Total noninterest income | $845,000 | 3,713 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $845,000 | 2,302 |
| Total noninterest expense | $2,552,000 | 4,891 |
| Salaries and employee benefits | $1,241,000 | 5,189 |
| Premises and equipment expense | $601,000 | 3,344 |
| Additional noninterest expense | $710,000 | 5,234 |
| Pre-tax net operating income | $1,075,000 | 4,708 |
| Securities gains (losses) | $143,000 | 1,445 |
| Applicable income taxes | $205,000 | 4,980 |
| Income before extraordinary items | $1,013,000 | 4,251 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,013,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $600,000 | 3,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $894,310 | 4,471 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,022,000 | 5,717 |
| Total interest expense | $2,472,000 | 5,594 |
| Net interest income | $2,550,000 | 5,729 |
| Provision for loan and lease losses | $62,000 | 6,152 |
| Total noninterest income | $610,000 | 4,367 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $610,000 | 2,608 |
| Total noninterest expense | $2,422,000 | 4,961 |
| Salaries and employee benefits | $1,167,000 | 5,339 |
| Premises and equipment expense | $544,000 | 3,549 |
| Additional noninterest expense | $711,000 | 5,120 |
| Pre-tax net operating income | $676,000 | 6,328 |
| Securities gains (losses) | $66,000 | 656 |
| Applicable income taxes | $207,000 | 5,320 |
| Income before extraordinary items | $535,000 | 6,145 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $535,000 | 6,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,825 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $487,480 | 6,402 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,551,000 | 5,890 |
| Total interest expense | $2,099,000 | 5,814 |
| Net interest income | $2,452,000 | 5,868 |
| Provision for loan and lease losses | $133,000 | 4,539 |
| Total noninterest income | $688,000 | 4,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $688,000 | 2,407 |
| Total noninterest expense | $2,406,000 | 5,010 |
| Salaries and employee benefits | $1,091,000 | 5,535 |
| Premises and equipment expense | $465,000 | 4,024 |
| Additional noninterest expense | $850,000 | 4,594 |
| Pre-tax net operating income | $601,000 | 6,705 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $113,000 | 6,751 |
| Income before extraordinary items | $488,000 | 6,514 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $488,000 | 6,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,527 |
| Cash dividends | $950,000 | 2,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $488,000 | 6,495 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,763,000 | 5,862 |
| Total interest expense | $2,227,000 | 5,792 |
| Net interest income | $2,536,000 | 5,799 |
| Provision for loan and lease losses | $293,000 | 2,693 |
| Total noninterest income | $589,000 | 4,438 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $589,000 | 2,671 |
| Total noninterest expense | $2,086,000 | 5,435 |
| Salaries and employee benefits | $1,063,000 | 5,541 |
| Premises and equipment expense | $448,000 | 4,025 |
| Additional noninterest expense | $575,000 | 5,911 |
| Pre-tax net operating income | $746,000 | 6,310 |
| Securities gains (losses) | $120,000 | 1,176 |
| Applicable income taxes | $297,000 | 5,196 |
| Income before extraordinary items | $569,000 | 6,214 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $569,000 | 6,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,214 |
| Cash dividends | $240,000 | 5,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $489,800 | 6,556 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,569,000 | 3,730 |
| Total interest expense | $3,940,000 | 3,731 |
| Net interest income | $4,629,000 | 3,738 |
| Provision for loan and lease losses | $666,000 | 1,377 |
| Total noninterest income | $712,000 | 3,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,643 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $586,000 | 2,524 |
| Total noninterest expense | $3,297,000 | 3,797 |
| Salaries and employee benefits | $1,620,000 | 3,979 |
| Premises and equipment expense | $605,000 | 3,134 |
| Additional noninterest expense | $1,072,000 | 3,668 |
| Pre-tax net operating income | $1,378,000 | 4,766 |
| Securities gains (losses) | $33,000 | 1,577 |
| Applicable income taxes | $490,000 | 4,274 |
| Income before extraordinary items | $921,000 | 4,975 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $921,000 | 4,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $681,000 | 1,048 |
| Cash dividends | $420,000 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $899,550 | 5,005 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,755,000 | 4,719 |
| Total interest expense | $3,094,000 | 4,652 |
| Net interest income | $3,661,000 | 4,652 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $296,000 | 6,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,597 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $98,000 | 7,185 |
| Total noninterest expense | $2,575,000 | 4,893 |
| Salaries and employee benefits | $1,157,000 | 5,368 |
| Premises and equipment expense | $391,000 | 4,619 |
| Additional noninterest expense | $1,027,000 | 4,313 |
| Pre-tax net operating income | $1,342,000 | 4,733 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $481,000 | 4,269 |
| Income before extraordinary items | $864,000 | 5,009 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $864,000 | 5,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,422 |
| Cash dividends | $2,726,000 | 1,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $862,080 | 4,968 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,505,000 | 4,850 |
| Total interest expense | $3,186,000 | 4,500 |
| Net interest income | $3,319,000 | 5,081 |
| Provision for loan and lease losses | $261,000 | 2,485 |
| Total noninterest income | $318,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,407 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,872 |
| Total noninterest expense | $2,463,000 | 5,061 |
| Salaries and employee benefits | $1,186,000 | 5,269 |
| Premises and equipment expense | $361,000 | 4,921 |
| Additional noninterest expense | $916,000 | 4,692 |
| Pre-tax net operating income | $913,000 | 6,355 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $293,000 | 6,091 |
| Income before extraordinary items | $620,000 | 6,493 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $620,000 | 6,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,626 |
| Cash dividends | $240,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $620,000 | 6,485 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,449,000 | 6,195 |
| Total interest expense | $1,716,000 | 6,292 |
| Net interest income | $2,733,000 | 6,043 |
| Provision for loan and lease losses | $190,000 | 3,120 |
| Total noninterest income | $343,000 | 6,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,989 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $197,000 | 5,329 |
| Total noninterest expense | $1,911,000 | 6,425 |
| Salaries and employee benefits | $935,000 | 6,434 |
| Premises and equipment expense | $251,000 | 6,508 |
| Additional noninterest expense | $725,000 | 6,158 |
| Pre-tax net operating income | $975,000 | 6,064 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $357,000 | 5,191 |
| Income before extraordinary items | $630,000 | 6,334 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $630,000 | 6,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,935 |
| Cash dividends | $152,000 | 6,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $622,320 | 6,450 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,169,000 | 6,672 |
| Total interest expense | $1,629,000 | 6,799 |
| Net interest income | $2,540,000 | 6,465 |
| Provision for loan and lease losses | $205,000 | 3,850 |
| Total noninterest income | $352,000 | 6,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,974 |
| Total noninterest expense | $1,854,000 | 6,749 |
| Salaries and employee benefits | $916,000 | 6,625 |
| Premises and equipment expense | $273,000 | 6,295 |
| Additional noninterest expense | $665,000 | 6,824 |
| Pre-tax net operating income | $833,000 | 6,653 |
| Securities gains (losses) | $48,000 | 3,456 |
| Applicable income taxes | $350,000 | 5,498 |
| Income before extraordinary items | $531,000 | 7,298 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $531,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,853 |
| Cash dividends | $174,000 | 5,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $500,280 | 7,300 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,282,000 | 7,150 |
| Total interest expense | $2,152,000 | 6,751 |
| Net interest income | $2,130,000 | 7,422 |
| Provision for loan and lease losses | $259,000 | 4,503 |
| Total noninterest income | $312,000 | 7,567 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 6,393 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 7,114 |
| Total noninterest expense | $1,678,000 | 7,320 |
| Salaries and employee benefits | $819,000 | 7,138 |
| Premises and equipment expense | $277,000 | 6,329 |
| Additional noninterest expense | $582,000 | 7,671 |
| Pre-tax net operating income | $505,000 | 8,376 |
| Securities gains (losses) | $37,000 | 4,622 |
| Applicable income taxes | $185,000 | 7,849 |
| Income before extraordinary items | $357,000 | 8,651 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $357,000 | 8,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 4,307 |
| Cash dividends | $174,000 | 5,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $332,580 | 8,545 |
* 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.