Home > The Home Bank of Tennessee > Income and Expense
The Home Bank of Tennessee, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,432,000 | 7,671 |
| Total interest expense | $556,000 | 7,445 |
| Net interest income | $876,000 | 7,691 |
| Provision for loan and lease losses | $15,000 | 6,184 |
| Total noninterest income | $76,000 | 7,802 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $51,000 | 6,691 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,685 |
| Total noninterest expense | $383,000 | 8,453 |
| Salaries and employee benefits | $170,000 | 8,552 |
| Premises and equipment expense | $105,000 | 7,378 |
| Additional noninterest expense | $108,000 | 8,431 |
| Pre-tax net operating income | $554,000 | 6,029 |
| Securities gains (losses) | $26,000 | 688 |
| Applicable income taxes | $228,000 | 3,964 |
| Income before extraordinary items | $352,000 | 6,453 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $352,000 | 6,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $335,360 | 6,538 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 4,032 |
| Total interest expense | $1,402,000 | 4,284 |
| Net interest income | $2,744,000 | 3,791 |
| Provision for loan and lease losses | $475,000 | 1,028 |
| Total noninterest income | $296,000 | 4,785 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $138,000 | 4,312 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $158,000 | 4,200 |
| Total noninterest expense | $1,563,000 | 4,757 |
| Salaries and employee benefits | $741,000 | 5,221 |
| Premises and equipment expense | $353,000 | 3,306 |
| Additional noninterest expense | $469,000 | 4,677 |
| Pre-tax net operating income | $1,002,000 | 3,792 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $75,000 | 4,845 |
| Income before extraordinary items | $927,000 | 3,387 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $927,000 | 3,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $658,000 | 470 |
| Cash dividends | $740,000 | 1,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $927,000 | 3,380 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,960,000 | 4,144 |
| Total interest expense | $643,000 | 4,404 |
| Net interest income | $1,317,000 | 3,906 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $111,000 | 5,380 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $63,000 | 4,435 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,189 |
| Total noninterest expense | $888,000 | 4,362 |
| Salaries and employee benefits | $433,000 | 4,772 |
| Premises and equipment expense | $184,000 | 3,207 |
| Additional noninterest expense | $271,000 | 4,222 |
| Pre-tax net operating income | $515,000 | 3,667 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $38,000 | 4,781 |
| Income before extraordinary items | $477,000 | 3,290 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $477,000 | 3,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $315,000 | 1,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $477,000 | 3,263 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,822,000 | 4,227 |
| Total interest expense | $2,044,000 | 4,367 |
| Net interest income | $4,778,000 | 4,092 |
| Provision for loan and lease losses | $75,000 | 5,186 |
| Total noninterest income | $606,000 | 4,759 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $293,000 | 4,232 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $313,000 | 4,248 |
| Total noninterest expense | $3,253,000 | 4,519 |
| Salaries and employee benefits | $1,413,000 | 5,254 |
| Premises and equipment expense | $722,000 | 3,155 |
| Additional noninterest expense | $1,118,000 | 4,077 |
| Pre-tax net operating income | $2,056,000 | 3,616 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $153,000 | 4,973 |
| Income before extraordinary items | $1,903,000 | 3,221 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,903,000 | 3,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $800,000 | 2,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,903,000 | 3,187 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,878,000 | 4,322 |
| Total interest expense | $1,465,000 | 4,363 |
| Net interest income | $3,413,000 | 4,222 |
| Provision for loan and lease losses | $65,000 | 4,879 |
| Total noninterest income | $434,000 | 4,915 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $218,000 | 4,276 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $216,000 | 4,429 |
| Total noninterest expense | $2,464,000 | 4,467 |
| Salaries and employee benefits | $1,071,000 | 5,191 |
| Premises and equipment expense | $542,000 | 3,133 |
| Additional noninterest expense | $851,000 | 3,997 |
| Pre-tax net operating income | $1,318,000 | 4,085 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $100,000 | 5,242 |
| Income before extraordinary items | $1,218,000 | 3,622 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,218,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,325 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,218,000 | 3,592 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,127,000 | 4,378 |
| Total interest expense | $924,000 | 4,371 |
| Net interest income | $2,203,000 | 4,303 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $261,000 | 5,123 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $137,000 | 4,352 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $124,000 | 4,729 |
| Total noninterest expense | $1,635,000 | 4,471 |
| Salaries and employee benefits | $717,000 | 5,170 |
| Premises and equipment expense | $355,000 | 3,148 |
| Additional noninterest expense | $563,000 | 3,995 |
| Pre-tax net operating income | $764,000 | 4,397 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $59,000 | 5,378 |
| Income before extraordinary items | $705,000 | 3,966 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $705,000 | 3,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,405 |
| Cash dividends | $200,000 | 3,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $705,000 | 3,915 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,519,000 | 4,447 |
| Total interest expense | $442,000 | 4,381 |
| Net interest income | $1,077,000 | 4,388 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $137,000 | 4,943 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $66,000 | 4,389 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,437 |
| Total noninterest expense | $829,000 | 4,445 |
| Salaries and employee benefits | $360,000 | 5,185 |
| Premises and equipment expense | $176,000 | 3,206 |
| Additional noninterest expense | $293,000 | 3,887 |
| Pre-tax net operating income | $340,000 | 4,669 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $26,000 | 5,434 |
| Income before extraordinary items | $314,000 | 4,232 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $314,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 8,559 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $314,000 | 4,189 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,415,000 | 4,588 |
| Total interest expense | $1,482,000 | 4,545 |
| Net interest income | $3,933,000 | 4,533 |
| Provision for loan and lease losses | $365,000 | 2,527 |
| Total noninterest income | $676,000 | 4,488 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $350,000 | 3,935 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $326,000 | 4,111 |
| Total noninterest expense | $3,154,000 | 4,502 |
| Salaries and employee benefits | $1,364,000 | 5,271 |
| Premises and equipment expense | $685,000 | 3,181 |
| Additional noninterest expense | $1,105,000 | 4,002 |
| Pre-tax net operating income | $1,090,000 | 5,016 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $90,000 | 5,619 |
| Income before extraordinary items | $1,000,000 | 4,705 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,000,000 | 4,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,270 |
| Cash dividends | $450,000 | 3,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,000,000 | 4,630 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,941,000 | 4,657 |
| Total interest expense | $1,063,000 | 4,628 |
| Net interest income | $2,878,000 | 4,610 |
| Provision for loan and lease losses | $240,000 | 2,636 |
| Total noninterest income | $517,000 | 4,437 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $273,000 | 3,883 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $244,000 | 4,102 |
| Total noninterest expense | $2,383,000 | 4,453 |
| Salaries and employee benefits | $1,066,000 | 5,081 |
| Premises and equipment expense | $497,000 | 3,273 |
| Additional noninterest expense | $820,000 | 4,009 |
| Pre-tax net operating income | $772,000 | 5,291 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $65,000 | 5,769 |
| Income before extraordinary items | $707,000 | 4,935 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $707,000 | 4,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,285 |
| Cash dividends | $450,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $707,000 | 4,845 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,588,000 | 4,713 |
| Total interest expense | $688,000 | 4,724 |
| Net interest income | $1,900,000 | 4,637 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $378,000 | 4,233 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $196,000 | 3,697 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $182,000 | 3,939 |
| Total noninterest expense | $1,562,000 | 4,533 |
| Salaries and employee benefits | $713,000 | 5,097 |
| Premises and equipment expense | $320,000 | 3,368 |
| Additional noninterest expense | $529,000 | 4,145 |
| Pre-tax net operating income | $626,000 | 4,724 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $50,000 | 5,634 |
| Income before extraordinary items | $576,000 | 4,361 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $576,000 | 4,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 3,637 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $576,000 | 4,266 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,259,000 | 4,840 |
| Total interest expense | $343,000 | 4,766 |
| Net interest income | $916,000 | 4,769 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $185,000 | 4,244 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $106,000 | 3,438 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $79,000 | 4,203 |
| Total noninterest expense | $777,000 | 4,567 |
| Salaries and employee benefits | $356,000 | 5,131 |
| Premises and equipment expense | $165,000 | 3,314 |
| Additional noninterest expense | $256,000 | 4,241 |
| Pre-tax net operating income | $279,000 | 5,000 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $23,000 | 5,671 |
| Income before extraordinary items | $256,000 | 4,683 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $256,000 | 4,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,425 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $256,000 | 4,557 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,103,000 | 4,819 |
| Total interest expense | $1,570,000 | 4,744 |
| Net interest income | $3,533,000 | 4,760 |
| Provision for loan and lease losses | $150,000 | 4,567 |
| Total noninterest income | $1,039,000 | 3,643 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $304,000 | 4,262 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $735,000 | 2,873 |
| Total noninterest expense | $2,977,000 | 4,625 |
| Salaries and employee benefits | $1,304,000 | 5,346 |
| Premises and equipment expense | $619,000 | 3,434 |
| Additional noninterest expense | $1,054,000 | 4,103 |
| Pre-tax net operating income | $1,445,000 | 4,214 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $183,000 | 5,048 |
| Income before extraordinary items | $1,262,000 | 4,005 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,262,000 | 4,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,234 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,262,000 | 3,831 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,829,000 | 4,878 |
| Total interest expense | $1,222,000 | 4,758 |
| Net interest income | $2,607,000 | 4,823 |
| Provision for loan and lease losses | $80,000 | 5,120 |
| Total noninterest income | $840,000 | 3,530 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $214,000 | 4,433 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $626,000 | 2,762 |
| Total noninterest expense | $2,288,000 | 4,542 |
| Salaries and employee benefits | $1,017,000 | 5,193 |
| Premises and equipment expense | $459,000 | 3,465 |
| Additional noninterest expense | $812,000 | 4,026 |
| Pre-tax net operating income | $1,079,000 | 4,350 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $153,000 | 5,059 |
| Income before extraordinary items | $926,000 | 4,208 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $926,000 | 4,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,784 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $926,000 | 4,031 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,596,000 | 4,860 |
| Total interest expense | $852,000 | 4,733 |
| Net interest income | $1,744,000 | 4,818 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $626,000 | 3,240 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $138,000 | 4,480 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $488,000 | 2,470 |
| Total noninterest expense | $1,540,000 | 4,502 |
| Salaries and employee benefits | $675,000 | 5,213 |
| Premises and equipment expense | $308,000 | 3,405 |
| Additional noninterest expense | $557,000 | 3,914 |
| Pre-tax net operating income | $780,000 | 4,123 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $130,000 | 4,727 |
| Income before extraordinary items | $650,000 | 4,072 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $650,000 | 4,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,131 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $650,000 | 3,885 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,308,000 | 4,852 |
| Total interest expense | $435,000 | 4,772 |
| Net interest income | $873,000 | 4,791 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $165,000 | 4,648 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $65,000 | 4,539 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $100,000 | 3,931 |
| Total noninterest expense | $771,000 | 4,476 |
| Salaries and employee benefits | $334,000 | 5,256 |
| Premises and equipment expense | $158,000 | 3,343 |
| Additional noninterest expense | $279,000 | 3,874 |
| Pre-tax net operating income | $237,000 | 5,426 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $20,000 | 6,071 |
| Income before extraordinary items | $217,000 | 5,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $217,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $217,000 | 4,908 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,168,000 | 5,065 |
| Total interest expense | $1,881,000 | 5,014 |
| Net interest income | $3,287,000 | 4,972 |
| Provision for loan and lease losses | $177,000 | 4,626 |
| Total noninterest income | $566,000 | 4,877 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $220,000 | 4,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $346,000 | 3,972 |
| Total noninterest expense | $2,676,000 | 4,849 |
| Salaries and employee benefits | $1,205,000 | 5,475 |
| Premises and equipment expense | $541,000 | 3,721 |
| Additional noninterest expense | $930,000 | 4,426 |
| Pre-tax net operating income | $1,000,000 | 5,209 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $94,000 | 6,020 |
| Income before extraordinary items | $923,000 | 4,812 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $923,000 | 4,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,872 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $907,530 | 4,733 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,695,000 | 5,169 |
| Total interest expense | $2,815,000 | 4,966 |
| Net interest income | $2,880,000 | 5,219 |
| Provision for loan and lease losses | $200,000 | 4,117 |
| Total noninterest income | $878,000 | 3,630 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $139,000 | 5,956 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $739,000 | 2,499 |
| Total noninterest expense | $2,275,000 | 5,272 |
| Salaries and employee benefits | $987,000 | 6,029 |
| Premises and equipment expense | $502,000 | 3,851 |
| Additional noninterest expense | $786,000 | 4,842 |
| Pre-tax net operating income | $1,283,000 | 4,263 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $324,000 | 4,119 |
| Income before extraordinary items | $959,000 | 4,391 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $959,000 | 4,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,627 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $959,000 | 4,276 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,833,000 | 5,181 |
| Total interest expense | $2,915,000 | 5,035 |
| Net interest income | $2,918,000 | 5,253 |
| Provision for loan and lease losses | $130,000 | 4,683 |
| Total noninterest income | $286,000 | 6,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 6,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,028 |
| Total noninterest expense | $2,174,000 | 5,383 |
| Salaries and employee benefits | $923,000 | 6,231 |
| Premises and equipment expense | $502,000 | 3,777 |
| Additional noninterest expense | $749,000 | 4,942 |
| Pre-tax net operating income | $900,000 | 5,546 |
| Securities gains (losses) | $12,000 | 1,101 |
| Applicable income taxes | $354,000 | 4,249 |
| Income before extraordinary items | $558,000 | 6,045 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $558,000 | 6,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,623 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $550,320 | 6,083 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,683,000 | 5,805 |
| Total interest expense | $2,367,000 | 5,394 |
| Net interest income | $2,316,000 | 6,081 |
| Provision for loan and lease losses | $75,000 | 5,766 |
| Total noninterest income | $616,000 | 4,349 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 6,771 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $519,000 | 2,886 |
| Total noninterest expense | $2,044,000 | 5,612 |
| Salaries and employee benefits | $894,000 | 6,335 |
| Premises and equipment expense | $450,000 | 4,124 |
| Additional noninterest expense | $700,000 | 5,245 |
| Pre-tax net operating income | $813,000 | 5,876 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $323,000 | 4,647 |
| Income before extraordinary items | $490,000 | 6,503 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $490,000 | 6,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,163 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $490,000 | 6,479 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,174,000 | 6,330 |
| Total interest expense | $2,131,000 | 5,959 |
| Net interest income | $2,043,000 | 6,597 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $915,000 | 3,286 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $815,000 | 2,145 |
| Total noninterest expense | $1,713,000 | 6,202 |
| Salaries and employee benefits | $797,000 | 6,699 |
| Premises and equipment expense | $322,000 | 5,158 |
| Additional noninterest expense | $594,000 | 5,790 |
| Pre-tax net operating income | $1,149,000 | 5,015 |
| Securities gains (losses) | $26,000 | 2,229 |
| Applicable income taxes | $435,000 | 4,209 |
| Income before extraordinary items | $740,000 | 5,441 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $740,000 | 5,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,450 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $723,360 | 5,404 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,753,000 | 6,898 |
| Total interest expense | $1,960,000 | 6,340 |
| Net interest income | $1,793,000 | 7,340 |
| Provision for loan and lease losses | $87,000 | 5,506 |
| Total noninterest income | $192,000 | 7,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 7,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,349 |
| Total noninterest expense | $1,426,000 | 6,974 |
| Salaries and employee benefits | $701,000 | 7,308 |
| Premises and equipment expense | $275,000 | 5,729 |
| Additional noninterest expense | $450,000 | 6,925 |
| Pre-tax net operating income | $472,000 | 8,078 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $167,000 | 7,362 |
| Income before extraordinary items | $305,000 | 8,341 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $305,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $305,000 | 8,297 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,733,000 | 9,766 |
| Total interest expense | $889,000 | 9,360 |
| Net interest income | $844,000 | 9,986 |
| Provision for loan and lease losses | $340,000 | 2,362 |
| Total noninterest income | $46,000 | 10,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $25,000 | 9,477 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $676,000 | 9,891 |
| Salaries and employee benefits | $322,000 | 10,155 |
| Premises and equipment expense | $116,000 | 8,889 |
| Additional noninterest expense | $238,000 | 9,527 |
| Pre-tax net operating income | $-126,000 | 10,995 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-24,000 | 11,004 |
| Income before extraordinary items | $-102,000 | 11,003 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-102,000 | 11,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $4,500,000 | 169 |
| Net operating income | $-102,000 | 10,956 |
* 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.