Home > The Summit National Bank > Income and Expense
The Summit National Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $31,618,000 | 926 |
| Total interest expense | $11,808,000 | 1,028 |
| Net interest income | $19,810,000 | 850 |
| Provision for loan and lease losses | $1,250,000 | 630 |
| Total noninterest income | $2,520,000 | 1,483 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,001,000 | 1,344 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,519,000 | 1,356 |
| Total noninterest expense | $13,482,000 | 1,004 |
| Salaries and employee benefits | $7,067,000 | 1,031 |
| Premises and equipment expense | $2,542,000 | 764 |
| Additional noninterest expense | $3,873,000 | 1,044 |
| Pre-tax net operating income | $7,598,000 | 1,014 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,187,000 | 1,023 |
| Income before extraordinary items | $5,411,000 | 1,072 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,411,000 | 1,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $566,000 | 734 |
| Cash dividends | $2,975,000 | 841 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,411,000 | 1,062 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $19,965,000 | 956 |
| Total interest expense | $7,291,000 | 1,049 |
| Net interest income | $12,674,000 | 890 |
| Provision for loan and lease losses | $650,000 | 759 |
| Total noninterest income | $1,595,000 | 1,540 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $644,000 | 1,373 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $951,000 | 1,405 |
| Total noninterest expense | $8,607,000 | 1,050 |
| Salaries and employee benefits | $4,669,000 | 1,047 |
| Premises and equipment expense | $1,657,000 | 783 |
| Additional noninterest expense | $2,281,000 | 1,192 |
| Pre-tax net operating income | $5,012,000 | 1,019 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,467,000 | 1,016 |
| Income before extraordinary items | $3,545,000 | 1,079 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,545,000 | 1,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 755 |
| Cash dividends | $1,775,000 | 912 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,545,000 | 1,068 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,759,000 | 1,066 |
| Total interest expense | $3,036,000 | 1,220 |
| Net interest income | $5,723,000 | 989 |
| Provision for loan and lease losses | $300,000 | 761 |
| Total noninterest income | $797,000 | 1,519 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $326,000 | 1,317 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $471,000 | 1,403 |
| Total noninterest expense | $4,002,000 | 1,129 |
| Salaries and employee benefits | $2,240,000 | 1,108 |
| Premises and equipment expense | $804,000 | 802 |
| Additional noninterest expense | $958,000 | 1,375 |
| Pre-tax net operating income | $2,218,000 | 1,118 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $600,000 | 1,197 |
| Income before extraordinary items | $1,618,000 | 1,155 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,618,000 | 1,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,102 |
| Cash dividends | $825,000 | 879 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,618,000 | 1,137 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $31,260,000 | 1,054 |
| Total interest expense | $9,485,000 | 1,186 |
| Net interest income | $21,775,000 | 978 |
| Provision for loan and lease losses | $539,000 | 1,787 |
| Total noninterest income | $3,629,000 | 1,382 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,360,000 | 1,302 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,269,000 | 1,237 |
| Total noninterest expense | $15,301,000 | 1,120 |
| Salaries and employee benefits | $8,002,000 | 1,157 |
| Premises and equipment expense | $3,057,000 | 795 |
| Additional noninterest expense | $4,242,000 | 1,224 |
| Pre-tax net operating income | $9,564,000 | 1,020 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $2,750,000 | 1,035 |
| Income before extraordinary items | $6,817,000 | 1,058 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,817,000 | 1,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $532,000 | 1,118 |
| Cash dividends | $1,175,000 | 2,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,814,870 | 1,039 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $22,578,000 | 1,061 |
| Total interest expense | $6,885,000 | 1,155 |
| Net interest income | $15,693,000 | 1,001 |
| Provision for loan and lease losses | $514,000 | 1,371 |
| Total noninterest income | $3,187,000 | 1,228 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,030,000 | 1,279 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,157,000 | 1,062 |
| Total noninterest expense | $11,726,000 | 1,076 |
| Salaries and employee benefits | $5,911,000 | 1,161 |
| Premises and equipment expense | $2,271,000 | 790 |
| Additional noninterest expense | $3,544,000 | 1,068 |
| Pre-tax net operating income | $6,640,000 | 1,088 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $1,875,000 | 1,133 |
| Income before extraordinary items | $4,768,000 | 1,143 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,768,000 | 1,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $454,000 | 902 |
| Cash dividends | $575,000 | 2,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,765,840 | 1,120 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,673,000 | 1,059 |
| Total interest expense | $4,375,000 | 1,139 |
| Net interest income | $10,298,000 | 1,013 |
| Provision for loan and lease losses | $464,000 | 1,042 |
| Total noninterest income | $2,152,000 | 1,201 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $694,000 | 1,225 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,458,000 | 1,029 |
| Total noninterest expense | $7,844,000 | 1,064 |
| Salaries and employee benefits | $3,902,000 | 1,171 |
| Premises and equipment expense | $1,456,000 | 808 |
| Additional noninterest expense | $2,486,000 | 1,016 |
| Pre-tax net operating income | $4,142,000 | 1,127 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $1,121,000 | 1,237 |
| Income before extraordinary items | $3,024,000 | 1,164 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,024,000 | 1,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 579 |
| Cash dividends | $575,000 | 2,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,021,810 | 1,140 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,263,000 | 1,042 |
| Total interest expense | $2,128,000 | 1,098 |
| Net interest income | $5,135,000 | 1,006 |
| Provision for loan and lease losses | $264,000 | 885 |
| Total noninterest income | $1,004,000 | 1,242 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $342,000 | 1,197 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $662,000 | 1,087 |
| Total noninterest expense | $3,781,000 | 1,102 |
| Salaries and employee benefits | $2,000,000 | 1,140 |
| Premises and equipment expense | $696,000 | 844 |
| Additional noninterest expense | $1,085,000 | 1,131 |
| Pre-tax net operating income | $2,094,000 | 1,105 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $610,000 | 1,131 |
| Income before extraordinary items | $1,487,000 | 1,168 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,487,000 | 1,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $440,000 | 381 |
| Cash dividends | $575,000 | 1,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,484,870 | 1,143 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $26,689,000 | 1,056 |
| Total interest expense | $7,691,000 | 1,049 |
| Net interest income | $18,998,000 | 1,048 |
| Provision for loan and lease losses | $1,090,000 | 978 |
| Total noninterest income | $3,781,000 | 1,342 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,560,000 | 1,144 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,221,000 | 1,229 |
| Total noninterest expense | $13,486,000 | 1,213 |
| Salaries and employee benefits | $7,161,000 | 1,220 |
| Premises and equipment expense | $2,456,000 | 912 |
| Additional noninterest expense | $3,869,000 | 1,283 |
| Pre-tax net operating income | $8,203,000 | 1,075 |
| Securities gains (losses) | $143,000 | 1,013 |
| Applicable income taxes | $2,630,000 | 1,001 |
| Income before extraordinary items | $5,716,000 | 1,141 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,716,000 | 1,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $588,000 | 1,176 |
| Cash dividends | $2,800,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,618,760 | 1,136 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,641,000 | 1,064 |
| Total interest expense | $5,628,000 | 1,057 |
| Net interest income | $14,013,000 | 1,055 |
| Provision for loan and lease losses | $915,000 | 841 |
| Total noninterest income | $2,778,000 | 1,382 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,184,000 | 1,127 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,594,000 | 1,275 |
| Total noninterest expense | $9,636,000 | 1,279 |
| Salaries and employee benefits | $5,240,000 | 1,257 |
| Premises and equipment expense | $1,795,000 | 950 |
| Additional noninterest expense | $2,601,000 | 1,419 |
| Pre-tax net operating income | $6,240,000 | 1,058 |
| Securities gains (losses) | $143,000 | 963 |
| Applicable income taxes | $2,008,000 | 1,008 |
| Income before extraordinary items | $4,375,000 | 1,126 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,375,000 | 1,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 1,417 |
| Cash dividends | $2,225,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,276,330 | 1,115 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,977,000 | 1,067 |
| Total interest expense | $3,679,000 | 1,063 |
| Net interest income | $9,298,000 | 1,050 |
| Provision for loan and lease losses | $665,000 | 764 |
| Total noninterest income | $1,833,000 | 1,372 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $797,000 | 1,111 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,036,000 | 1,286 |
| Total noninterest expense | $6,330,000 | 1,293 |
| Salaries and employee benefits | $3,426,000 | 1,281 |
| Premises and equipment expense | $1,166,000 | 984 |
| Additional noninterest expense | $1,738,000 | 1,392 |
| Pre-tax net operating income | $4,136,000 | 1,050 |
| Securities gains (losses) | $128,000 | 882 |
| Applicable income taxes | $1,343,000 | 1,010 |
| Income before extraordinary items | $2,921,000 | 1,122 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,921,000 | 1,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 961 |
| Cash dividends | $1,650,000 | 815 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,832,680 | 1,112 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,519,000 | 1,065 |
| Total interest expense | $1,795,000 | 1,111 |
| Net interest income | $4,724,000 | 1,048 |
| Provision for loan and lease losses | $464,000 | 554 |
| Total noninterest income | $930,000 | 1,327 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $410,000 | 1,047 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $520,000 | 1,261 |
| Total noninterest expense | $3,134,000 | 1,305 |
| Salaries and employee benefits | $1,674,000 | 1,315 |
| Premises and equipment expense | $577,000 | 1,014 |
| Additional noninterest expense | $883,000 | 1,370 |
| Pre-tax net operating income | $2,056,000 | 1,050 |
| Securities gains (losses) | $128,000 | 686 |
| Applicable income taxes | $714,000 | 969 |
| Income before extraordinary items | $1,470,000 | 1,118 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,470,000 | 1,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 667 |
| Cash dividends | $1,075,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,384,240 | 1,118 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,549,000 | 1,212 |
| Total interest expense | $7,012,000 | 1,262 |
| Net interest income | $16,537,000 | 1,170 |
| Provision for loan and lease losses | $1,199,000 | 1,003 |
| Total noninterest income | $3,616,000 | 1,450 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,647,000 | 1,047 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,969,000 | 1,491 |
| Total noninterest expense | $11,824,000 | 1,362 |
| Salaries and employee benefits | $6,528,000 | 1,318 |
| Premises and equipment expense | $2,080,000 | 1,097 |
| Additional noninterest expense | $3,216,000 | 1,536 |
| Pre-tax net operating income | $7,130,000 | 1,173 |
| Securities gains (losses) | $100,000 | 1,901 |
| Applicable income taxes | $2,199,000 | 1,200 |
| Income before extraordinary items | $5,031,000 | 1,275 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,031,000 | 1,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $587,000 | 1,417 |
| Cash dividends | $1,425,000 | 1,803 |
| Sale, conversion, retirement of capital stock, net | $9,000,000 | 99 |
| Net operating income | $4,961,000 | 1,221 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,107,000 | 1,276 |
| Total interest expense | $5,260,000 | 1,319 |
| Net interest income | $11,847,000 | 1,234 |
| Provision for loan and lease losses | $799,000 | 1,088 |
| Total noninterest income | $2,610,000 | 1,534 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,222,000 | 1,059 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,388,000 | 1,619 |
| Total noninterest expense | $8,589,000 | 1,413 |
| Salaries and employee benefits | $4,641,000 | 1,398 |
| Premises and equipment expense | $1,494,000 | 1,153 |
| Additional noninterest expense | $2,454,000 | 1,495 |
| Pre-tax net operating income | $5,069,000 | 1,274 |
| Securities gains (losses) | $58,000 | 2,190 |
| Applicable income taxes | $1,559,000 | 1,305 |
| Income before extraordinary items | $3,568,000 | 1,396 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,568,000 | 1,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $442,000 | 1,295 |
| Cash dividends | $1,425,000 | 1,329 |
| Sale, conversion, retirement of capital stock, net | $9,000,000 | 67 |
| Net operating income | $3,527,400 | 1,330 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,141,000 | 1,305 |
| Total interest expense | $3,540,000 | 1,361 |
| Net interest income | $7,601,000 | 1,293 |
| Provision for loan and lease losses | $322,000 | 1,704 |
| Total noninterest income | $1,695,000 | 1,554 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $803,000 | 1,069 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $892,000 | 1,645 |
| Total noninterest expense | $5,581,000 | 1,443 |
| Salaries and employee benefits | $3,032,000 | 1,423 |
| Premises and equipment expense | $914,000 | 1,248 |
| Additional noninterest expense | $1,635,000 | 1,500 |
| Pre-tax net operating income | $3,393,000 | 1,254 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $1,070,000 | 1,299 |
| Income before extraordinary items | $2,326,000 | 1,424 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,326,000 | 1,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,211 |
| Cash dividends | $950,000 | 1,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,323,960 | 1,330 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,500,000 | 1,333 |
| Total interest expense | $1,801,000 | 1,364 |
| Net interest income | $3,699,000 | 1,319 |
| Provision for loan and lease losses | $214,000 | 1,297 |
| Total noninterest income | $916,000 | 1,424 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $394,000 | 1,053 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $522,000 | 1,442 |
| Total noninterest expense | $2,800,000 | 1,430 |
| Salaries and employee benefits | $1,503,000 | 1,432 |
| Premises and equipment expense | $463,000 | 1,239 |
| Additional noninterest expense | $834,000 | 1,438 |
| Pre-tax net operating income | $1,601,000 | 1,339 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $523,000 | 1,317 |
| Income before extraordinary items | $1,078,000 | 1,503 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,078,000 | 1,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $475,000 | 1,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,078,000 | 1,412 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,885,000 | 1,405 |
| Total interest expense | $7,998,000 | 1,406 |
| Net interest income | $13,887,000 | 1,403 |
| Provision for loan and lease losses | $1,130,000 | 1,208 |
| Total noninterest income | $4,674,000 | 1,122 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,616,000 | 997 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,058,000 | 989 |
| Total noninterest expense | $11,319,000 | 1,360 |
| Salaries and employee benefits | $6,308,000 | 1,287 |
| Premises and equipment expense | $1,781,000 | 1,241 |
| Additional noninterest expense | $3,230,000 | 1,474 |
| Pre-tax net operating income | $6,112,000 | 1,374 |
| Securities gains (losses) | $273,000 | 960 |
| Applicable income taxes | $2,066,000 | 1,253 |
| Income before extraordinary items | $4,319,000 | 1,435 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,319,000 | 1,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $929,000 | 1,040 |
| Cash dividends | $1,725,000 | 1,485 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,133,360 | 1,444 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,486,000 | 1,457 |
| Total interest expense | $11,074,000 | 1,464 |
| Net interest income | $12,412,000 | 1,427 |
| Provision for loan and lease losses | $755,000 | 1,566 |
| Total noninterest income | $3,122,000 | 1,434 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,180,000 | 1,265 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,942,000 | 1,275 |
| Total noninterest expense | $10,627,000 | 1,384 |
| Salaries and employee benefits | $5,420,000 | 1,386 |
| Premises and equipment expense | $1,715,000 | 1,244 |
| Additional noninterest expense | $3,492,000 | 1,340 |
| Pre-tax net operating income | $4,152,000 | 1,711 |
| Securities gains (losses) | $247,000 | 1,035 |
| Applicable income taxes | $1,463,000 | 1,519 |
| Income before extraordinary items | $2,936,000 | 1,795 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,936,000 | 1,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $662,000 | 1,256 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 343 |
| Net operating income | $2,770,510 | 1,818 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,284,000 | 1,491 |
| Total interest expense | $9,071,000 | 1,900 |
| Net interest income | $14,213,000 | 1,232 |
| Provision for loan and lease losses | $1,250,000 | 884 |
| Total noninterest income | $3,638,000 | 1,142 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,154,000 | 1,170 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,484,000 | 977 |
| Total noninterest expense | $10,418,000 | 1,329 |
| Salaries and employee benefits | $5,441,000 | 1,306 |
| Premises and equipment expense | $1,512,000 | 1,357 |
| Additional noninterest expense | $3,465,000 | 1,314 |
| Pre-tax net operating income | $6,183,000 | 1,196 |
| Securities gains (losses) | $-128,000 | 9,476 |
| Applicable income taxes | $2,146,000 | 1,083 |
| Income before extraordinary items | $3,909,000 | 1,348 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,909,000 | 1,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $634,000 | 1,042 |
| Cash dividends | $5,200,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,992,200 | 1,309 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,632,000 | 1,651 |
| Total interest expense | $7,742,000 | 1,935 |
| Net interest income | $11,890,000 | 1,484 |
| Provision for loan and lease losses | $899,000 | 1,075 |
| Total noninterest income | $3,452,000 | 1,202 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,156,000 | 1,147 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,296,000 | 1,044 |
| Total noninterest expense | $10,093,000 | 1,379 |
| Salaries and employee benefits | $4,718,000 | 1,459 |
| Premises and equipment expense | $1,571,000 | 1,290 |
| Additional noninterest expense | $3,804,000 | 1,216 |
| Pre-tax net operating income | $4,350,000 | 1,726 |
| Securities gains (losses) | $-95,000 | 9,942 |
| Applicable income taxes | $1,504,000 | 1,603 |
| Income before extraordinary items | $2,751,000 | 1,936 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,751,000 | 1,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $710,000 | 920 |
| Cash dividends | $875,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,812,750 | 1,854 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $17,042,000 | 1,894 |
| Total interest expense | $7,309,000 | 2,078 |
| Net interest income | $9,733,000 | 1,753 |
| Provision for loan and lease losses | $455,000 | 1,853 |
| Total noninterest income | $3,364,000 | 1,238 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $923,000 | 1,362 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,441,000 | 1,031 |
| Total noninterest expense | $8,702,000 | 1,527 |
| Salaries and employee benefits | $4,309,000 | 1,524 |
| Premises and equipment expense | $1,543,000 | 1,246 |
| Additional noninterest expense | $2,850,000 | 1,516 |
| Pre-tax net operating income | $3,940,000 | 1,849 |
| Securities gains (losses) | $201,000 | 921 |
| Applicable income taxes | $1,457,000 | 1,674 |
| Income before extraordinary items | $2,684,000 | 1,948 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,684,000 | 1,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 1,507 |
| Cash dividends | $690,000 | 2,882 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,553,350 | 1,971 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,472,000 | 2,428 |
| Total interest expense | $5,471,000 | 2,733 |
| Net interest income | $8,001,000 | 2,192 |
| Provision for loan and lease losses | $540,000 | 1,667 |
| Total noninterest income | $3,292,000 | 1,212 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $698,000 | 1,867 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,594,000 | 928 |
| Total noninterest expense | $7,064,000 | 1,833 |
| Salaries and employee benefits | $3,649,000 | 1,787 |
| Premises and equipment expense | $1,164,000 | 1,675 |
| Additional noninterest expense | $2,251,000 | 1,890 |
| Pre-tax net operating income | $3,689,000 | 2,039 |
| Securities gains (losses) | $162,000 | 801 |
| Applicable income taxes | $1,351,000 | 1,873 |
| Income before extraordinary items | $2,500,000 | 2,111 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,500,000 | 2,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,004,000 | 806 |
| Cash dividends | $505,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,394,700 | 2,144 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,356,000 | 2,911 |
| Total interest expense | $4,520,000 | 3,304 |
| Net interest income | $6,836,000 | 2,578 |
| Provision for loan and lease losses | $404,000 | 2,066 |
| Total noninterest income | $2,964,000 | 1,370 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $577,000 | 2,354 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,387,000 | 1,030 |
| Total noninterest expense | $6,288,000 | 2,188 |
| Salaries and employee benefits | $3,356,000 | 1,966 |
| Premises and equipment expense | $989,000 | 2,030 |
| Additional noninterest expense | $1,943,000 | 2,523 |
| Pre-tax net operating income | $3,108,000 | 2,294 |
| Securities gains (losses) | $126,000 | 872 |
| Applicable income taxes | $1,215,000 | 1,976 |
| Income before extraordinary items | $2,019,000 | 2,440 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,019,000 | 2,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,058 |
| Cash dividends | $675,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,938,360 | 2,474 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,591,000 | 3,131 |
| Total interest expense | $4,069,000 | 3,622 |
| Net interest income | $6,522,000 | 2,728 |
| Provision for loan and lease losses | $397,000 | 1,879 |
| Total noninterest income | $2,472,000 | 1,560 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $578,000 | 2,336 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,894,000 | 1,167 |
| Total noninterest expense | $5,690,000 | 2,390 |
| Salaries and employee benefits | $3,046,000 | 2,179 |
| Premises and equipment expense | $861,000 | 2,323 |
| Additional noninterest expense | $1,783,000 | 2,651 |
| Pre-tax net operating income | $2,907,000 | 2,494 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $1,041,000 | 2,295 |
| Income before extraordinary items | $1,858,000 | 2,668 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,858,000 | 2,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,889 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,863,120 | 2,631 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,547,000 | 3,506 |
| Total interest expense | $2,814,000 | 4,192 |
| Net interest income | $5,733,000 | 3,122 |
| Provision for loan and lease losses | $430,000 | 1,721 |
| Total noninterest income | $2,685,000 | 1,475 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $449,000 | 3,058 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,236,000 | 1,049 |
| Total noninterest expense | $5,162,000 | 2,687 |
| Salaries and employee benefits | $2,667,000 | 2,507 |
| Premises and equipment expense | $807,000 | 2,510 |
| Additional noninterest expense | $1,688,000 | 2,995 |
| Pre-tax net operating income | $2,826,000 | 2,506 |
| Securities gains (losses) | $-121,000 | 11,668 |
| Applicable income taxes | $838,000 | 2,663 |
| Income before extraordinary items | $1,867,000 | 2,600 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,867,000 | 2,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $601,000 | 1,211 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,950,490 | 2,502 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,387,000 | 4,687 |
| Total interest expense | $2,366,000 | 5,043 |
| Net interest income | $4,021,000 | 4,376 |
| Provision for loan and lease losses | $611,000 | 1,821 |
| Total noninterest income | $2,199,000 | 1,842 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $326,000 | 4,124 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,873,000 | 1,320 |
| Total noninterest expense | $4,123,000 | 3,386 |
| Salaries and employee benefits | $2,039,000 | 3,222 |
| Premises and equipment expense | $715,000 | 2,823 |
| Additional noninterest expense | $1,369,000 | 3,783 |
| Pre-tax net operating income | $1,486,000 | 4,355 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $-82,000 | 12,933 |
| Income before extraordinary items | $1,568,000 | 3,110 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,568,000 | 3,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $586,000 | 1,608 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 774 |
| Net operating income | $1,568,000 | 2,931 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,093,000 | 5,407 |
| Total interest expense | $2,643,000 | 5,732 |
| Net interest income | $3,450,000 | 5,069 |
| Provision for loan and lease losses | $711,000 | 2,341 |
| Total noninterest income | $2,502,000 | 1,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,204,000 | 1,168 |
| Total noninterest expense | $4,398,000 | 3,223 |
| Salaries and employee benefits | $1,738,000 | 3,678 |
| Premises and equipment expense | $748,000 | 2,768 |
| Additional noninterest expense | $1,912,000 | 2,908 |
| Pre-tax net operating income | $843,000 | 6,367 |
| Securities gains (losses) | $6,000 | 6,913 |
| Applicable income taxes | $289,000 | 6,086 |
| Income before extraordinary items | $560,000 | 6,851 |
| Extraordinary gains, net | $264,000 | 339 |
| Net income | $824,000 | 5,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $664,000 | 2,047 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $556,040 | 6,518 |
* 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.