Home > The Siwooganock Bank > Income and Expense
The Siwooganock Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,762,000 | 5,543 |
| Total interest expense | $1,324,000 | 5,671 |
| Net interest income | $2,438,000 | 5,334 |
| Provision for loan and lease losses | $56,000 | 4,951 |
| Total noninterest income | $300,000 | 5,636 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $113,000 | 5,578 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $187,000 | 4,674 |
| Total noninterest expense | $2,200,000 | 4,941 |
| Salaries and employee benefits | $1,289,000 | 4,732 |
| Premises and equipment expense | $333,000 | 4,605 |
| Additional noninterest expense | $578,000 | 5,327 |
| Pre-tax net operating income | $482,000 | 6,286 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $124,000 | 4,705 |
| Income before extraordinary items | $358,000 | 6,435 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $358,000 | 6,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,805 |
| Cash dividends | $164,000 | 4,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $358,000 | 6,433 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,498,000 | 5,535 |
| Total interest expense | $854,000 | 5,633 |
| Net interest income | $1,644,000 | 5,332 |
| Provision for loan and lease losses | $31,000 | 4,971 |
| Total noninterest income | $204,000 | 5,593 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $76,000 | 5,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $128,000 | 4,615 |
| Total noninterest expense | $1,517,000 | 4,842 |
| Salaries and employee benefits | $877,000 | 4,695 |
| Premises and equipment expense | $227,000 | 4,543 |
| Additional noninterest expense | $413,000 | 5,093 |
| Pre-tax net operating income | $300,000 | 6,458 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $73,000 | 4,872 |
| Income before extraordinary items | $227,000 | 6,533 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $227,000 | 6,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,556 |
| Cash dividends | $79,000 | 4,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $227,000 | 6,532 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,239,000 | 5,508 |
| Total interest expense | $425,000 | 5,534 |
| Net interest income | $814,000 | 5,347 |
| Provision for loan and lease losses | $14,000 | 5,063 |
| Total noninterest income | $95,000 | 5,710 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $31,000 | 5,867 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $786,000 | 4,749 |
| Salaries and employee benefits | $456,000 | 4,592 |
| Premises and equipment expense | $127,000 | 4,250 |
| Additional noninterest expense | $203,000 | 5,132 |
| Pre-tax net operating income | $109,000 | 6,944 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $26,000 | 5,161 |
| Income before extraordinary items | $83,000 | 7,004 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $83,000 | 7,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,616 |
| Cash dividends | $19,000 | 3,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $83,000 | 7,005 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,851,000 | 5,254 |
| Total interest expense | $1,393,000 | 5,432 |
| Net interest income | $3,458,000 | 5,059 |
| Provision for loan and lease losses | $45,000 | 5,862 |
| Total noninterest income | $337,000 | 6,090 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $114,000 | 6,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $223,000 | 4,959 |
| Total noninterest expense | $3,164,000 | 4,598 |
| Salaries and employee benefits | $1,627,000 | 4,799 |
| Premises and equipment expense | $606,000 | 3,626 |
| Additional noninterest expense | $931,000 | 4,657 |
| Pre-tax net operating income | $586,000 | 6,465 |
| Securities gains (losses) | $99,000 | 708 |
| Applicable income taxes | $133,000 | 5,125 |
| Income before extraordinary items | $552,000 | 6,172 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $552,000 | 6,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,558 |
| Cash dividends | $112,000 | 5,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $471,810 | 6,461 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,601,000 | 5,261 |
| Total interest expense | $996,000 | 5,440 |
| Net interest income | $2,605,000 | 5,053 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $253,000 | 6,121 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $86,000 | 6,113 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $167,000 | 4,991 |
| Total noninterest expense | $2,363,000 | 4,595 |
| Salaries and employee benefits | $1,193,000 | 4,844 |
| Premises and equipment expense | $460,000 | 3,586 |
| Additional noninterest expense | $710,000 | 4,587 |
| Pre-tax net operating income | $450,000 | 6,567 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $111,000 | 5,136 |
| Income before extraordinary items | $336,000 | 6,734 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $336,000 | 6,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-81,000 | 8,583 |
| Cash dividends | $56,000 | 4,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $338,250 | 6,680 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,352,000 | 5,252 |
| Total interest expense | $627,000 | 5,447 |
| Net interest income | $1,725,000 | 5,075 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $183,000 | 5,936 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $56,000 | 6,119 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $127,000 | 4,680 |
| Total noninterest expense | $1,597,000 | 4,537 |
| Salaries and employee benefits | $802,000 | 4,800 |
| Premises and equipment expense | $309,000 | 3,533 |
| Additional noninterest expense | $486,000 | 4,476 |
| Pre-tax net operating income | $266,000 | 6,795 |
| Securities gains (losses) | $-3,000 | 7,812 |
| Applicable income taxes | $70,000 | 5,215 |
| Income before extraordinary items | $193,000 | 6,988 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $193,000 | 6,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 8,656 |
| Cash dividends | $38,000 | 4,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $195,190 | 6,917 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,173,000 | 5,249 |
| Total interest expense | $305,000 | 5,431 |
| Net interest income | $868,000 | 5,070 |
| Provision for loan and lease losses | $27,000 | 4,321 |
| Total noninterest income | $63,000 | 6,658 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,847 |
| Total noninterest expense | $787,000 | 4,605 |
| Salaries and employee benefits | $407,000 | 4,775 |
| Premises and equipment expense | $149,000 | 3,665 |
| Additional noninterest expense | $231,000 | 4,632 |
| Pre-tax net operating income | $117,000 | 6,996 |
| Securities gains (losses) | $12,000 | 950 |
| Applicable income taxes | $34,000 | 5,190 |
| Income before extraordinary items | $95,000 | 6,983 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $95,000 | 6,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,351 |
| Cash dividends | $19,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $86,120 | 7,100 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,590,000 | 5,115 |
| Total interest expense | $1,231,000 | 5,047 |
| Net interest income | $3,359,000 | 5,042 |
| Provision for loan and lease losses | $-36,000 | 8,731 |
| Total noninterest income | $425,000 | 5,667 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $127,000 | 6,082 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $298,000 | 4,284 |
| Total noninterest expense | $3,035,000 | 4,617 |
| Salaries and employee benefits | $1,729,000 | 4,464 |
| Premises and equipment expense | $476,000 | 4,252 |
| Additional noninterest expense | $830,000 | 4,971 |
| Pre-tax net operating income | $785,000 | 5,836 |
| Securities gains (losses) | $815,000 | 324 |
| Applicable income taxes | $452,000 | 3,510 |
| Income before extraordinary items | $1,148,000 | 4,318 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,148,000 | 4,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,793 |
| Cash dividends | $1,763,000 | 1,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $561,200 | 6,037 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,411,000 | 5,135 |
| Total interest expense | $931,000 | 4,987 |
| Net interest income | $2,480,000 | 5,086 |
| Provision for loan and lease losses | $-36,000 | 8,826 |
| Total noninterest income | $395,000 | 5,161 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $98,000 | 6,088 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $297,000 | 3,742 |
| Total noninterest expense | $2,288,000 | 4,565 |
| Salaries and employee benefits | $1,285,000 | 4,451 |
| Premises and equipment expense | $364,000 | 4,176 |
| Additional noninterest expense | $639,000 | 4,844 |
| Pre-tax net operating income | $623,000 | 5,795 |
| Securities gains (losses) | $437,000 | 456 |
| Applicable income taxes | $205,000 | 4,399 |
| Income before extraordinary items | $855,000 | 4,425 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $855,000 | 4,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $1,711,000 | 1,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $501,030 | 5,741 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,265,000 | 5,156 |
| Total interest expense | $626,000 | 4,978 |
| Net interest income | $1,639,000 | 5,116 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $263,000 | 5,156 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $66,000 | 6,081 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $197,000 | 3,766 |
| Total noninterest expense | $1,544,000 | 4,572 |
| Salaries and employee benefits | $857,000 | 4,487 |
| Premises and equipment expense | $256,000 | 3,999 |
| Additional noninterest expense | $431,000 | 4,814 |
| Pre-tax net operating income | $358,000 | 6,134 |
| Securities gains (losses) | $404,000 | 405 |
| Applicable income taxes | $113,000 | 4,689 |
| Income before extraordinary items | $649,000 | 4,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $649,000 | 4,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,529 |
| Cash dividends | $1,693,000 | 799 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $305,600 | 5,924 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,135,000 | 5,161 |
| Total interest expense | $313,000 | 5,039 |
| Net interest income | $822,000 | 5,116 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $164,000 | 4,549 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $32,000 | 6,092 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $132,000 | 3,164 |
| Total noninterest expense | $775,000 | 4,577 |
| Salaries and employee benefits | $427,000 | 4,504 |
| Premises and equipment expense | $128,000 | 4,030 |
| Additional noninterest expense | $220,000 | 4,725 |
| Pre-tax net operating income | $211,000 | 5,701 |
| Securities gains (losses) | $368,000 | 318 |
| Applicable income taxes | $62,000 | 4,533 |
| Income before extraordinary items | $517,000 | 2,861 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $517,000 | 2,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,858 |
| Cash dividends | $1,110,000 | 608 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $189,480 | 5,356 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,725,000 | 5,090 |
| Total interest expense | $1,298,000 | 5,332 |
| Net interest income | $3,427,000 | 4,864 |
| Provision for loan and lease losses | $101,000 | 5,298 |
| Total noninterest income | $366,000 | 6,152 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $117,000 | 6,317 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $249,000 | 4,868 |
| Total noninterest expense | $2,988,000 | 4,613 |
| Salaries and employee benefits | $1,626,000 | 4,583 |
| Premises and equipment expense | $471,000 | 4,243 |
| Additional noninterest expense | $891,000 | 4,665 |
| Pre-tax net operating income | $704,000 | 6,003 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $173,000 | 5,110 |
| Income before extraordinary items | $532,000 | 6,212 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $532,000 | 6,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,837 |
| Cash dividends | $120,000 | 5,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $531,250 | 6,055 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,519,000 | 5,168 |
| Total interest expense | $984,000 | 5,429 |
| Net interest income | $2,535,000 | 4,924 |
| Provision for loan and lease losses | $84,000 | 5,069 |
| Total noninterest income | $271,000 | 6,229 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $83,000 | 6,443 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $188,000 | 4,918 |
| Total noninterest expense | $2,203,000 | 4,647 |
| Salaries and employee benefits | $1,184,000 | 4,671 |
| Premises and equipment expense | $356,000 | 4,216 |
| Additional noninterest expense | $663,000 | 4,662 |
| Pre-tax net operating income | $519,000 | 6,202 |
| Securities gains (losses) | $19,000 | 2,984 |
| Applicable income taxes | $151,000 | 5,082 |
| Income before extraordinary items | $387,000 | 6,425 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $387,000 | 6,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,811 |
| Cash dividends | $63,000 | 5,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $373,320 | 6,338 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 5,213 |
| Total interest expense | $667,000 | 5,493 |
| Net interest income | $1,676,000 | 4,944 |
| Provision for loan and lease losses | $67,000 | 4,579 |
| Total noninterest income | $179,000 | 6,241 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $48,000 | 6,655 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $131,000 | 4,832 |
| Total noninterest expense | $1,465,000 | 4,669 |
| Salaries and employee benefits | $774,000 | 4,723 |
| Premises and equipment expense | $239,000 | 4,194 |
| Additional noninterest expense | $452,000 | 4,580 |
| Pre-tax net operating income | $323,000 | 6,343 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $94,000 | 5,213 |
| Income before extraordinary items | $240,000 | 6,615 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $240,000 | 6,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,920 |
| Cash dividends | $42,000 | 4,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $232,080 | 6,481 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,180,000 | 5,223 |
| Total interest expense | $344,000 | 5,493 |
| Net interest income | $836,000 | 4,935 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $68,000 | 6,777 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $47,000 | 5,386 |
| Total noninterest expense | $754,000 | 4,555 |
| Salaries and employee benefits | $409,000 | 4,549 |
| Premises and equipment expense | $120,000 | 4,153 |
| Additional noninterest expense | $225,000 | 4,564 |
| Pre-tax net operating income | $100,000 | 7,186 |
| Securities gains (losses) | $11,000 | 2,147 |
| Applicable income taxes | $27,000 | 5,815 |
| Income before extraordinary items | $84,000 | 7,203 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $84,000 | 7,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 9,180 |
| Cash dividends | $21,000 | 3,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $75,640 | 7,236 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,856,000 | 5,276 |
| Total interest expense | $1,714,000 | 5,298 |
| Net interest income | $3,142,000 | 5,147 |
| Provision for loan and lease losses | $190,000 | 4,470 |
| Total noninterest income | $251,000 | 6,846 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $72,000 | 7,089 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $179,000 | 5,238 |
| Total noninterest expense | $2,708,000 | 4,807 |
| Salaries and employee benefits | $1,406,000 | 4,921 |
| Premises and equipment expense | $444,000 | 4,304 |
| Additional noninterest expense | $858,000 | 4,692 |
| Pre-tax net operating income | $495,000 | 6,775 |
| Securities gains (losses) | $-712,000 | 9,287 |
| Applicable income taxes | $-135,000 | 9,087 |
| Income before extraordinary items | $-82,000 | 8,818 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-82,000 | 8,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,513 |
| Cash dividends | $120,000 | 5,403 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $373,680 | 6,840 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,033,000 | 5,589 |
| Total interest expense | $2,371,000 | 5,559 |
| Net interest income | $2,662,000 | 5,509 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $189,000 | 7,414 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $76,000 | 7,054 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $113,000 | 6,139 |
| Total noninterest expense | $2,242,000 | 5,315 |
| Salaries and employee benefits | $1,184,000 | 5,379 |
| Premises and equipment expense | $344,000 | 5,086 |
| Additional noninterest expense | $714,000 | 5,209 |
| Pre-tax net operating income | $549,000 | 6,364 |
| Securities gains (losses) | $158,000 | 1,372 |
| Applicable income taxes | $183,000 | 5,175 |
| Income before extraordinary items | $524,000 | 5,952 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $524,000 | 5,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,915 |
| Cash dividends | $120,000 | 5,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $407,080 | 6,416 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,491,000 | 6,101 |
| Total interest expense | $1,775,000 | 6,641 |
| Net interest income | $2,716,000 | 5,515 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $174,000 | 7,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 6,909 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,664 |
| Total noninterest expense | $2,075,000 | 5,543 |
| Salaries and employee benefits | $1,145,000 | 5,404 |
| Premises and equipment expense | $304,000 | 5,381 |
| Additional noninterest expense | $626,000 | 5,621 |
| Pre-tax net operating income | $755,000 | 6,025 |
| Securities gains (losses) | $157,000 | 463 |
| Applicable income taxes | $255,000 | 4,937 |
| Income before extraordinary items | $657,000 | 5,588 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $657,000 | 5,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 9,615 |
| Cash dividends | $120,000 | 5,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $543,960 | 6,116 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,938,000 | 6,426 |
| Total interest expense | $1,570,000 | 6,796 |
| Net interest income | $2,368,000 | 6,001 |
| Provision for loan and lease losses | $90,000 | 5,432 |
| Total noninterest income | $231,000 | 7,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 6,960 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,714 |
| Total noninterest expense | $1,946,000 | 5,792 |
| Salaries and employee benefits | $1,039,000 | 5,731 |
| Premises and equipment expense | $315,000 | 5,322 |
| Additional noninterest expense | $592,000 | 5,880 |
| Pre-tax net operating income | $563,000 | 6,852 |
| Securities gains (losses) | $214,000 | 530 |
| Applicable income taxes | $205,000 | 5,648 |
| Income before extraordinary items | $572,000 | 6,035 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $572,000 | 6,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,206 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $413,640 | 6,891 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,123,000 | 6,380 |
| Total interest expense | $1,761,000 | 6,628 |
| Net interest income | $2,362,000 | 6,040 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $227,000 | 7,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 6,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,022 |
| Total noninterest expense | $1,983,000 | 5,636 |
| Salaries and employee benefits | $1,016,000 | 5,724 |
| Premises and equipment expense | $303,000 | 5,351 |
| Additional noninterest expense | $664,000 | 5,370 |
| Pre-tax net operating income | $606,000 | 6,878 |
| Securities gains (losses) | $132,000 | 1,119 |
| Applicable income taxes | $219,000 | 5,969 |
| Income before extraordinary items | $519,000 | 6,491 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $519,000 | 6,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,781 |
| Cash dividends | $100,000 | 6,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $426,600 | 6,957 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,195,000 | 6,476 |
| Total interest expense | $1,789,000 | 6,710 |
| Net interest income | $2,406,000 | 6,211 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $236,000 | 7,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 7,468 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,729 |
| Total noninterest expense | $1,879,000 | 5,898 |
| Salaries and employee benefits | $990,000 | 5,909 |
| Premises and equipment expense | $285,000 | 5,598 |
| Additional noninterest expense | $604,000 | 5,780 |
| Pre-tax net operating income | $763,000 | 6,718 |
| Securities gains (losses) | $60,000 | 1,233 |
| Applicable income taxes | $266,000 | 6,081 |
| Income before extraordinary items | $557,000 | 6,623 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $557,000 | 6,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $110,000 | 6,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $516,200 | 6,816 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,121,000 | 6,743 |
| Total interest expense | $1,872,000 | 6,678 |
| Net interest income | $2,249,000 | 6,660 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $231,000 | 7,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 7,820 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,070 |
| Total noninterest expense | $1,886,000 | 6,198 |
| Salaries and employee benefits | $1,073,000 | 5,691 |
| Premises and equipment expense | $287,000 | 5,753 |
| Additional noninterest expense | $526,000 | 6,867 |
| Pre-tax net operating income | $594,000 | 7,450 |
| Securities gains (losses) | $60,000 | 1,226 |
| Applicable income taxes | $215,000 | 6,900 |
| Income before extraordinary items | $439,000 | 7,320 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $439,000 | 7,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,399 |
| Cash dividends | $84,000 | 6,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $398,800 | 7,568 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,991,000 | 7,015 |
| Total interest expense | $1,810,000 | 6,879 |
| Net interest income | $2,181,000 | 6,910 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $238,000 | 7,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 6,108 |
| Total noninterest expense | $1,801,000 | 6,452 |
| Salaries and employee benefits | $945,000 | 6,322 |
| Premises and equipment expense | $254,000 | 6,277 |
| Additional noninterest expense | $602,000 | 6,524 |
| Pre-tax net operating income | $618,000 | 7,786 |
| Securities gains (losses) | $82,000 | 1,051 |
| Applicable income taxes | $221,000 | 7,081 |
| Income before extraordinary items | $479,000 | 7,408 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $479,000 | 7,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $52,000 | 7,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $423,240 | 7,825 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,507,000 | 7,311 |
| Total interest expense | $1,449,000 | 7,055 |
| Net interest income | $2,058,000 | 7,430 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $215,000 | 8,484 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,256 |
| Total noninterest expense | $1,758,000 | 6,809 |
| Salaries and employee benefits | $872,000 | 6,806 |
| Premises and equipment expense | $246,000 | 6,584 |
| Additional noninterest expense | $640,000 | 6,737 |
| Pre-tax net operating income | $515,000 | 8,557 |
| Securities gains (losses) | $50,000 | 1,155 |
| Applicable income taxes | $177,000 | 7,765 |
| Income before extraordinary items | $388,000 | 8,292 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $388,000 | 8,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,263 |
| Cash dividends | $21,000 | 8,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $353,500 | 8,670 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,681,000 | 7,297 |
| Total interest expense | $1,696,000 | 6,631 |
| Net interest income | $1,985,000 | 7,722 |
| Provision for loan and lease losses | $148,000 | 4,714 |
| Total noninterest income | $218,000 | 8,884 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,993 |
| Total noninterest expense | $1,987,000 | 6,369 |
| Salaries and employee benefits | $856,000 | 6,988 |
| Premises and equipment expense | $210,000 | 7,496 |
| Additional noninterest expense | $921,000 | 5,268 |
| Pre-tax net operating income | $68,000 | 12,067 |
| Securities gains (losses) | $42,000 | 3,661 |
| Applicable income taxes | $58,000 | 10,749 |
| Income before extraordinary items | $52,000 | 12,234 |
| Extraordinary gains, net | $271,000 | 778 |
| Net income | $323,000 | 9,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 3,154 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $25,120 | 12,265 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,594,000 | 6,773 |
| Total interest expense | $2,496,000 | 6,002 |
| Net interest income | $2,098,000 | 7,498 |
| Provision for loan and lease losses | $518,000 | 2,920 |
| Total noninterest income | $162,000 | 10,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 9,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 8,520 |
| Total noninterest expense | $2,045,000 | 6,265 |
| Salaries and employee benefits | $802,000 | 7,242 |
| Premises and equipment expense | $180,000 | 8,311 |
| Additional noninterest expense | $1,063,000 | 4,806 |
| Pre-tax net operating income | $-303,000 | 13,172 |
| Securities gains (losses) | $175,000 | 2,204 |
| Applicable income taxes | $-69,000 | 13,536 |
| Income before extraordinary items | $-59,000 | 13,008 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-59,000 | 13,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $968,000 | 1,591 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-171,000 | 13,020 |
* 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.