Home > The State Bank > Income and Expense
The State Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,204,000 | 4,762 |
| Total interest expense | $1,038,000 | 5,129 |
| Net interest income | $2,166,000 | 4,492 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $693,000 | 2,841 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $244,000 | 3,107 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $449,000 | 2,358 |
| Total noninterest expense | $1,619,000 | 4,632 |
| Salaries and employee benefits | $909,000 | 4,586 |
| Premises and equipment expense | $188,000 | 5,122 |
| Additional noninterest expense | $522,000 | 4,337 |
| Pre-tax net operating income | $1,240,000 | 3,292 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,135,000 | 1,257 |
| Income before extraordinary items | $105,000 | 7,497 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $105,000 | 7,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,253 |
| Cash dividends | $1,455,000 | 1,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $105,000 | 7,503 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,584,000 | 4,734 |
| Total interest expense | $514,000 | 5,038 |
| Net interest income | $1,070,000 | 4,504 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $177,000 | 4,247 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $113,000 | 3,198 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $733,000 | 4,976 |
| Salaries and employee benefits | $404,000 | 4,976 |
| Premises and equipment expense | $99,000 | 4,994 |
| Additional noninterest expense | $230,000 | 4,721 |
| Pre-tax net operating income | $514,000 | 3,672 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $34,000 | 4,897 |
| Income before extraordinary items | $480,000 | 3,274 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $480,000 | 3,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $125,000 | 2,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $480,000 | 3,248 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,861,000 | 4,664 |
| Total interest expense | $1,570,000 | 5,118 |
| Net interest income | $4,291,000 | 4,412 |
| Provision for loan and lease losses | $322,000 | 2,688 |
| Total noninterest income | $761,000 | 4,166 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $504,000 | 3,041 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $257,000 | 4,671 |
| Total noninterest expense | $3,166,000 | 4,595 |
| Salaries and employee benefits | $1,827,000 | 4,427 |
| Premises and equipment expense | $398,000 | 4,872 |
| Additional noninterest expense | $941,000 | 4,617 |
| Pre-tax net operating income | $1,564,000 | 4,268 |
| Securities gains (losses) | $-9,000 | 7,501 |
| Applicable income taxes | $22,000 | 6,289 |
| Income before extraordinary items | $1,533,000 | 3,733 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,533,000 | 3,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,615 |
| Cash dividends | $1,210,000 | 2,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,541,910 | 3,691 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,310,000 | 4,691 |
| Total interest expense | $1,138,000 | 5,078 |
| Net interest income | $3,172,000 | 4,473 |
| Provision for loan and lease losses | $241,000 | 2,605 |
| Total noninterest income | $553,000 | 4,254 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $378,000 | 3,035 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $175,000 | 4,897 |
| Total noninterest expense | $2,297,000 | 4,680 |
| Salaries and employee benefits | $1,313,000 | 4,537 |
| Premises and equipment expense | $294,000 | 4,911 |
| Additional noninterest expense | $690,000 | 4,668 |
| Pre-tax net operating income | $1,187,000 | 4,324 |
| Securities gains (losses) | $-9,000 | 7,876 |
| Applicable income taxes | $7,000 | 6,626 |
| Income before extraordinary items | $1,171,000 | 3,734 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,171,000 | 3,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $1,020,000 | 1,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,179,910 | 3,671 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,817,000 | 4,693 |
| Total interest expense | $728,000 | 5,028 |
| Net interest income | $2,089,000 | 4,485 |
| Provision for loan and lease losses | $161,000 | 2,517 |
| Total noninterest income | $364,000 | 4,274 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $254,000 | 2,986 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $110,000 | 4,988 |
| Total noninterest expense | $1,430,000 | 4,888 |
| Salaries and employee benefits | $800,000 | 4,807 |
| Premises and equipment expense | $195,000 | 4,902 |
| Additional noninterest expense | $435,000 | 4,833 |
| Pre-tax net operating income | $862,000 | 4,099 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $860,000 | 3,461 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $860,000 | 3,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,400 |
| Cash dividends | $870,000 | 1,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $862,000 | 3,413 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,376,000 | 4,748 |
| Total interest expense | $357,000 | 5,001 |
| Net interest income | $1,019,000 | 4,561 |
| Provision for loan and lease losses | $80,000 | 2,398 |
| Total noninterest income | $178,000 | 4,283 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $127,000 | 2,903 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $51,000 | 5,145 |
| Total noninterest expense | $725,000 | 4,869 |
| Salaries and employee benefits | $398,000 | 4,854 |
| Premises and equipment expense | $99,000 | 4,901 |
| Additional noninterest expense | $228,000 | 4,670 |
| Pre-tax net operating income | $392,000 | 4,330 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-17,000 | 8,728 |
| Income before extraordinary items | $409,000 | 3,566 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $409,000 | 3,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,469 |
| Cash dividends | $320,000 | 1,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $409,000 | 3,529 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,353,000 | 4,623 |
| Total interest expense | $1,510,000 | 4,492 |
| Net interest income | $3,843,000 | 4,612 |
| Provision for loan and lease losses | $265,000 | 3,144 |
| Total noninterest income | $681,000 | 4,464 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $466,000 | 3,300 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $215,000 | 4,961 |
| Total noninterest expense | $2,962,000 | 4,701 |
| Salaries and employee benefits | $1,699,000 | 4,524 |
| Premises and equipment expense | $354,000 | 5,169 |
| Additional noninterest expense | $909,000 | 4,659 |
| Pre-tax net operating income | $1,297,000 | 4,594 |
| Securities gains (losses) | $134,000 | 1,052 |
| Applicable income taxes | $57,000 | 5,970 |
| Income before extraordinary items | $1,374,000 | 3,847 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,374,000 | 3,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,925 |
| Cash dividends | $1,010,000 | 2,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,245,360 | 4,046 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,946,000 | 4,654 |
| Total interest expense | $1,146,000 | 4,428 |
| Net interest income | $2,800,000 | 4,704 |
| Provision for loan and lease losses | $115,000 | 4,038 |
| Total noninterest income | $508,000 | 4,503 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $339,000 | 3,378 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $169,000 | 4,855 |
| Total noninterest expense | $2,152,000 | 4,761 |
| Salaries and employee benefits | $1,231,000 | 4,600 |
| Premises and equipment expense | $277,000 | 5,014 |
| Additional noninterest expense | $644,000 | 4,820 |
| Pre-tax net operating income | $1,041,000 | 4,511 |
| Securities gains (losses) | $90,000 | 1,248 |
| Applicable income taxes | $16,000 | 6,628 |
| Income before extraordinary items | $1,115,000 | 3,732 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,115,000 | 3,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,219 |
| Cash dividends | $1,010,000 | 1,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,025,900 | 3,876 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,596,000 | 4,706 |
| Total interest expense | $780,000 | 4,351 |
| Net interest income | $1,816,000 | 4,787 |
| Provision for loan and lease losses | $115,000 | 3,272 |
| Total noninterest income | $317,000 | 4,679 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $211,000 | 3,513 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $106,000 | 5,055 |
| Total noninterest expense | $1,312,000 | 5,104 |
| Salaries and employee benefits | $723,000 | 5,051 |
| Premises and equipment expense | $177,000 | 5,163 |
| Additional noninterest expense | $412,000 | 4,962 |
| Pre-tax net operating income | $706,000 | 4,430 |
| Securities gains (losses) | $90,000 | 1,101 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $794,000 | 3,537 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $794,000 | 3,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,617 |
| Cash dividends | $960,000 | 1,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $704,000 | 3,746 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,316,000 | 4,681 |
| Total interest expense | $402,000 | 4,318 |
| Net interest income | $914,000 | 4,779 |
| 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 | $115,000 | 3,247 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $49,000 | 5,162 |
| Total noninterest expense | $654,000 | 5,145 |
| Salaries and employee benefits | $356,000 | 5,131 |
| Premises and equipment expense | $84,000 | 5,376 |
| Additional noninterest expense | $214,000 | 4,834 |
| Pre-tax net operating income | $424,000 | 3,944 |
| Securities gains (losses) | $90,000 | 862 |
| Applicable income taxes | $21,000 | 5,742 |
| Income before extraordinary items | $493,000 | 2,976 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $493,000 | 2,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $220,000 | 2,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $406,600 | 3,351 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,369,000 | 4,652 |
| Total interest expense | $1,864,000 | 4,239 |
| Net interest income | $3,505,000 | 4,792 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $570,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $403,000 | 3,630 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $167,000 | 5,630 |
| Total noninterest expense | $2,799,000 | 4,830 |
| Salaries and employee benefits | $1,600,000 | 4,642 |
| Premises and equipment expense | $329,000 | 5,378 |
| Additional noninterest expense | $870,000 | 4,759 |
| Pre-tax net operating income | $1,276,000 | 4,528 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $48,000 | 6,313 |
| Income before extraordinary items | $1,228,000 | 4,080 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,228,000 | 4,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,439 |
| Cash dividends | $1,060,000 | 2,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,228,000 | 3,897 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,045,000 | 4,691 |
| Total interest expense | $1,440,000 | 4,264 |
| Net interest income | $2,605,000 | 4,828 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $418,000 | 5,193 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $286,000 | 3,767 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $132,000 | 5,579 |
| Total noninterest expense | $2,066,000 | 4,873 |
| Salaries and employee benefits | $1,176,000 | 4,690 |
| Premises and equipment expense | $273,000 | 5,037 |
| Additional noninterest expense | $617,000 | 4,909 |
| Pre-tax net operating income | $957,000 | 4,669 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $37,000 | 6,442 |
| Income before extraordinary items | $920,000 | 4,225 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $920,000 | 4,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,966 |
| Cash dividends | $915,000 | 1,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $920,000 | 4,048 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,814,000 | 4,588 |
| Total interest expense | $989,000 | 4,281 |
| Net interest income | $1,825,000 | 4,670 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $261,000 | 5,347 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $176,000 | 3,918 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $85,000 | 5,621 |
| Total noninterest expense | $1,290,000 | 5,088 |
| Salaries and employee benefits | $704,000 | 5,063 |
| Premises and equipment expense | $182,000 | 5,012 |
| Additional noninterest expense | $404,000 | 4,976 |
| Pre-tax net operating income | $796,000 | 4,074 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $28,000 | 6,385 |
| Income before extraordinary items | $768,000 | 3,618 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $768,000 | 3,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $805,000 | 1,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $768,000 | 3,422 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,431,000 | 4,554 |
| Total interest expense | $507,000 | 4,300 |
| Net interest income | $924,000 | 4,629 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $119,000 | 5,479 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $82,000 | 4,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $37,000 | 5,843 |
| Total noninterest expense | $651,000 | 5,060 |
| Salaries and employee benefits | $351,000 | 5,074 |
| Premises and equipment expense | $87,000 | 5,158 |
| Additional noninterest expense | $213,000 | 4,739 |
| Pre-tax net operating income | $392,000 | 4,082 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $13,000 | 6,407 |
| Income before extraordinary items | $379,000 | 3,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 3,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,624 |
| Cash dividends | $175,000 | 2,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $379,000 | 3,434 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,142,000 | 5,086 |
| Total interest expense | $1,812,000 | 5,131 |
| Net interest income | $3,330,000 | 4,929 |
| Provision for loan and lease losses | $154,000 | 4,873 |
| Total noninterest income | $444,000 | 5,519 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $282,000 | 4,369 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $162,000 | 5,444 |
| Total noninterest expense | $2,342,000 | 5,310 |
| Salaries and employee benefits | $1,327,000 | 5,132 |
| Premises and equipment expense | $271,000 | 5,879 |
| Additional noninterest expense | $744,000 | 5,185 |
| Pre-tax net operating income | $1,278,000 | 4,539 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $207,000 | 5,060 |
| Income before extraordinary items | $1,071,000 | 4,403 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,071,000 | 4,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $398,000 | 3,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,071,000 | 4,295 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,426,000 | 6,012 |
| Total interest expense | $1,733,000 | 6,540 |
| Net interest income | $2,693,000 | 5,467 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $412,000 | 5,597 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $217,000 | 4,976 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $195,000 | 4,987 |
| Total noninterest expense | $2,087,000 | 5,590 |
| Salaries and employee benefits | $1,212,000 | 5,281 |
| Premises and equipment expense | $236,000 | 6,262 |
| Additional noninterest expense | $639,000 | 5,615 |
| Pre-tax net operating income | $958,000 | 5,011 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $305,000 | 4,228 |
| Income before extraordinary items | $653,000 | 5,395 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $653,000 | 5,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $1,100,000 | 2,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $653,000 | 5,270 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,132,000 | 6,376 |
| Total interest expense | $1,618,000 | 6,919 |
| Net interest income | $2,514,000 | 5,778 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $413,000 | 5,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $216,000 | 4,616 |
| Total noninterest expense | $1,873,000 | 5,913 |
| Salaries and employee benefits | $1,199,000 | 5,232 |
| Premises and equipment expense | $210,000 | 6,607 |
| Additional noninterest expense | $464,000 | 6,678 |
| Pre-tax net operating income | $1,024,000 | 5,192 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $339,000 | 4,325 |
| Income before extraordinary items | $685,000 | 5,480 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $685,000 | 5,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $685,000 | 5,479 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 6,564 |
| Total interest expense | $1,451,000 | 7,097 |
| Net interest income | $2,305,000 | 6,093 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $276,000 | 6,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,022 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,482 |
| Total noninterest expense | $1,699,000 | 6,300 |
| Salaries and employee benefits | $1,120,000 | 5,425 |
| Premises and equipment expense | $138,000 | 7,876 |
| Additional noninterest expense | $441,000 | 6,963 |
| Pre-tax net operating income | $882,000 | 5,659 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $250,000 | 5,204 |
| Income before extraordinary items | $632,000 | 5,750 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $632,000 | 5,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $632,000 | 5,716 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,619,000 | 6,828 |
| Total interest expense | $1,456,000 | 7,295 |
| Net interest income | $2,163,000 | 6,362 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $270,000 | 6,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 5,364 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,031 |
| Total noninterest expense | $1,579,000 | 6,475 |
| Salaries and employee benefits | $1,042,000 | 5,611 |
| Premises and equipment expense | $132,000 | 8,031 |
| Additional noninterest expense | $405,000 | 7,178 |
| Pre-tax net operating income | $854,000 | 5,888 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $279,000 | 5,377 |
| Income before extraordinary items | $575,000 | 6,183 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $575,000 | 6,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 10,130 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $575,000 | 6,071 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,267,000 | 7,430 |
| Total interest expense | $1,279,000 | 7,898 |
| Net interest income | $1,988,000 | 6,937 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $289,000 | 6,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $206,000 | 5,253 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $1,506,000 | 6,769 |
| Salaries and employee benefits | $989,000 | 5,912 |
| Premises and equipment expense | $143,000 | 7,962 |
| Additional noninterest expense | $374,000 | 7,588 |
| Pre-tax net operating income | $771,000 | 6,676 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $237,000 | 6,404 |
| Income before extraordinary items | $534,000 | 6,775 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $534,000 | 6,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,139 |
| Cash dividends | $110,000 | 6,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $534,000 | 6,717 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,962,000 | 8,048 |
| Total interest expense | $1,139,000 | 8,568 |
| Net interest income | $1,823,000 | 7,514 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $272,000 | 7,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $193,000 | 5,685 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,772 |
| Total noninterest expense | $1,348,000 | 7,520 |
| Salaries and employee benefits | $860,000 | 6,655 |
| Premises and equipment expense | $150,000 | 8,057 |
| Additional noninterest expense | $338,000 | 8,480 |
| Pre-tax net operating income | $747,000 | 6,720 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $264,000 | 6,251 |
| Income before extraordinary items | $483,000 | 7,020 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $483,000 | 7,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,098 |
| Cash dividends | $10,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $483,000 | 6,957 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,741,000 | 8,578 |
| Total interest expense | $1,108,000 | 8,880 |
| Net interest income | $1,633,000 | 8,184 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $256,000 | 7,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 6,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,156 |
| Total noninterest expense | $1,289,000 | 7,894 |
| Salaries and employee benefits | $768,000 | 7,288 |
| Premises and equipment expense | $171,000 | 7,793 |
| Additional noninterest expense | $350,000 | 8,689 |
| Pre-tax net operating income | $600,000 | 7,869 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $179,000 | 7,787 |
| Income before extraordinary items | $421,000 | 7,876 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $421,000 | 7,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $421,000 | 7,844 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,439,000 | 9,017 |
| Total interest expense | $852,000 | 9,340 |
| Net interest income | $1,587,000 | 8,619 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $257,000 | 7,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,911 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,142 |
| Total noninterest expense | $1,301,000 | 8,233 |
| Salaries and employee benefits | $723,000 | 7,716 |
| Premises and equipment expense | $206,000 | 7,296 |
| Additional noninterest expense | $372,000 | 9,109 |
| Pre-tax net operating income | $483,000 | 8,776 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $106,000 | 9,219 |
| Income before extraordinary items | $379,000 | 8,373 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $379,000 | 8,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,066 |
| Cash dividends | $25,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $377,440 | 8,438 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,506,000 | 9,172 |
| Total interest expense | $920,000 | 9,468 |
| Net interest income | $1,586,000 | 8,844 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $202,000 | 9,188 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,170 |
| Total noninterest expense | $1,278,000 | 8,587 |
| Salaries and employee benefits | $727,000 | 7,805 |
| Premises and equipment expense | $190,000 | 7,890 |
| Additional noninterest expense | $361,000 | 9,718 |
| Pre-tax net operating income | $490,000 | 8,725 |
| Securities gains (losses) | $-1,000 | 12,247 |
| Applicable income taxes | $83,000 | 10,142 |
| Income before extraordinary items | $406,000 | 8,366 |
| Extraordinary gains, net | $57,000 | 2,070 |
| Net income | $463,000 | 8,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $285,000 | 4,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $406,830 | 8,084 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 9,230 |
| Total interest expense | $1,341,000 | 9,076 |
| Net interest income | $1,515,000 | 9,226 |
| Provision for loan and lease losses | $48,000 | 9,164 |
| Total noninterest income | $204,000 | 9,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 6,705 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $1,100,000 | 9,511 |
| Salaries and employee benefits | $606,000 | 8,758 |
| Premises and equipment expense | $145,000 | 9,267 |
| Additional noninterest expense | $349,000 | 10,204 |
| Pre-tax net operating income | $571,000 | 7,919 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $148,000 | 8,666 |
| Income before extraordinary items | $423,000 | 7,984 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $423,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 6,676 |
| Cash dividends | $75,000 | 7,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $423,000 | 7,633 |
* 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.