Home > The Tupper Lake National Bank > Income and Expense
The Tupper Lake National Bank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,345,000 | 5,573 |
| Total interest expense | $598,000 | 5,392 |
| Net interest income | $747,000 | 5,600 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $168,000 | 4,384 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $28,000 | 5,902 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $140,000 | 3,143 |
| Total noninterest expense | $734,000 | 5,087 |
| Salaries and employee benefits | $415,000 | 5,047 |
| Premises and equipment expense | $98,000 | 5,113 |
| Additional noninterest expense | $221,000 | 4,921 |
| Pre-tax net operating income | $181,000 | 5,704 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $29,000 | 4,646 |
| Income before extraordinary items | $152,000 | 5,620 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $152,000 | 5,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $101,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $152,000 | 5,605 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,280,000 | 5,404 |
| Total interest expense | $2,259,000 | 5,085 |
| Net interest income | $3,021,000 | 5,504 |
| Provision for loan and lease losses | $44,000 | 5,753 |
| Total noninterest income | $443,000 | 5,391 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $108,000 | 6,042 |
| Trading account gains and fees | $2,000 | 128 |
| Additional Noninterest Income | $333,000 | 4,097 |
| Total noninterest expense | $3,064,000 | 4,814 |
| Salaries and employee benefits | $1,737,000 | 4,734 |
| Premises and equipment expense | $366,000 | 5,194 |
| Additional noninterest expense | $961,000 | 4,640 |
| Pre-tax net operating income | $356,000 | 6,925 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-134,000 | 8,402 |
| Income before extraordinary items | $490,000 | 6,194 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $490,000 | 6,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,321 |
| Cash dividends | $404,000 | 4,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $490,000 | 6,192 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,871,000 | 5,461 |
| Total interest expense | $1,627,000 | 5,127 |
| Net interest income | $2,244,000 | 5,586 |
| Provision for loan and lease losses | $44,000 | 5,319 |
| Total noninterest income | $350,000 | 5,290 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $81,000 | 6,109 |
| Trading account gains and fees | $2,000 | 120 |
| Additional Noninterest Income | $267,000 | 3,972 |
| Total noninterest expense | $2,156,000 | 5,017 |
| Salaries and employee benefits | $1,187,000 | 5,005 |
| Premises and equipment expense | $256,000 | 5,405 |
| Additional noninterest expense | $713,000 | 4,638 |
| Pre-tax net operating income | $394,000 | 6,631 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $10,000 | 6,224 |
| Income before extraordinary items | $384,000 | 6,321 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $384,000 | 6,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,424 |
| Cash dividends | $303,000 | 3,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $384,000 | 6,322 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,511,000 | 5,513 |
| Total interest expense | $1,032,000 | 5,144 |
| Net interest income | $1,479,000 | 5,646 |
| Provision for loan and lease losses | $44,000 | 4,630 |
| Total noninterest income | $249,000 | 5,163 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $55,000 | 6,106 |
| Trading account gains and fees | $2,000 | 118 |
| Additional Noninterest Income | $192,000 | 3,832 |
| Total noninterest expense | $1,405,000 | 5,108 |
| Salaries and employee benefits | $776,000 | 5,081 |
| Premises and equipment expense | $158,000 | 5,646 |
| Additional noninterest expense | $471,000 | 4,655 |
| Pre-tax net operating income | $279,000 | 6,591 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $15,000 | 5,945 |
| Income before extraordinary items | $264,000 | 6,277 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $264,000 | 6,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $202,000 | 3,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $264,000 | 6,281 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,218,000 | 5,566 |
| Total interest expense | $470,000 | 5,284 |
| Net interest income | $748,000 | 5,604 |
| Provision for loan and lease losses | $33,000 | 3,748 |
| Total noninterest income | $160,000 | 4,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $132,000 | 3,209 |
| Total noninterest expense | $654,000 | 5,336 |
| Salaries and employee benefits | $367,000 | 5,291 |
| Premises and equipment expense | $79,000 | 5,661 |
| Additional noninterest expense | $208,000 | 5,058 |
| Pre-tax net operating income | $221,000 | 5,622 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $221,000 | 5,110 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $221,000 | 5,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $101,000 | 3,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $221,000 | 5,104 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,560,000 | 5,445 |
| Total interest expense | $1,422,000 | 5,370 |
| Net interest income | $3,138,000 | 5,369 |
| Provision for loan and lease losses | $132,000 | 4,316 |
| Total noninterest income | $451,000 | 5,476 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $107,000 | 6,195 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $344,000 | 4,059 |
| Total noninterest expense | $2,757,000 | 5,058 |
| Salaries and employee benefits | $1,573,000 | 4,898 |
| Premises and equipment expense | $304,000 | 5,700 |
| Additional noninterest expense | $880,000 | 4,848 |
| Pre-tax net operating income | $700,000 | 6,148 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $47,000 | 5,910 |
| Income before extraordinary items | $653,000 | 5,806 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $653,000 | 5,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,766 |
| Cash dividends | $385,000 | 4,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $653,000 | 5,779 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,363,000 | 5,472 |
| Total interest expense | $1,000,000 | 5,429 |
| Net interest income | $2,363,000 | 5,358 |
| Provision for loan and lease losses | $99,000 | 4,204 |
| Total noninterest income | $309,000 | 5,707 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $80,000 | 6,241 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $229,000 | 4,301 |
| Total noninterest expense | $1,986,000 | 5,163 |
| Salaries and employee benefits | $1,096,000 | 5,110 |
| Premises and equipment expense | $194,000 | 6,115 |
| Additional noninterest expense | $696,000 | 4,639 |
| Pre-tax net operating income | $587,000 | 6,062 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $48,000 | 5,824 |
| Income before extraordinary items | $539,000 | 5,723 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $539,000 | 5,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,590 |
| Cash dividends | $285,000 | 3,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $539,000 | 5,688 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,222,000 | 5,420 |
| Total interest expense | $644,000 | 5,379 |
| Net interest income | $1,578,000 | 5,335 |
| Provision for loan and lease losses | $66,000 | 4,004 |
| Total noninterest income | $186,000 | 5,893 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $54,000 | 6,184 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $132,000 | 4,592 |
| Total noninterest expense | $1,281,000 | 5,255 |
| Salaries and employee benefits | $689,000 | 5,297 |
| Premises and equipment expense | $132,000 | 6,058 |
| Additional noninterest expense | $460,000 | 4,653 |
| Pre-tax net operating income | $417,000 | 5,879 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $49,000 | 5,534 |
| Income before extraordinary items | $368,000 | 5,659 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $368,000 | 5,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,677 |
| Cash dividends | $190,000 | 3,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $368,000 | 5,620 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 5,471 |
| Total interest expense | $307,000 | 5,410 |
| Net interest income | $783,000 | 5,384 |
| Provision for loan and lease losses | $33,000 | 3,846 |
| Total noninterest income | $75,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $29,000 | 6,046 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,356 |
| Total noninterest expense | $640,000 | 5,289 |
| Salaries and employee benefits | $339,000 | 5,398 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $230,000 | 4,642 |
| Pre-tax net operating income | $185,000 | 6,128 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $22,000 | 5,594 |
| Income before extraordinary items | $163,000 | 5,916 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $163,000 | 5,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $95,000 | 3,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $163,000 | 5,876 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,954,000 | 5,586 |
| Total interest expense | $1,089,000 | 5,414 |
| Net interest income | $2,865,000 | 5,547 |
| Provision for loan and lease losses | $132,000 | 4,466 |
| Total noninterest income | $402,000 | 5,784 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $153,000 | 5,736 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $249,000 | 4,651 |
| Total noninterest expense | $2,483,000 | 5,337 |
| Salaries and employee benefits | $1,330,000 | 5,348 |
| Premises and equipment expense | $266,000 | 6,027 |
| Additional noninterest expense | $887,000 | 4,754 |
| Pre-tax net operating income | $652,000 | 6,249 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $71,000 | 5,805 |
| Income before extraordinary items | $586,000 | 6,005 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $586,000 | 6,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,541 |
| Cash dividends | $360,000 | 4,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $581,550 | 5,954 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,883,000 | 5,663 |
| Total interest expense | $790,000 | 5,483 |
| Net interest income | $2,093,000 | 5,645 |
| Provision for loan and lease losses | $99,000 | 4,319 |
| Total noninterest income | $242,000 | 6,283 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $119,000 | 5,723 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $123,000 | 5,520 |
| Total noninterest expense | $1,733,000 | 5,526 |
| Salaries and employee benefits | $906,000 | 5,640 |
| Premises and equipment expense | $182,000 | 6,256 |
| Additional noninterest expense | $645,000 | 4,805 |
| Pre-tax net operating income | $503,000 | 6,306 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $94,000 | 5,417 |
| Income before extraordinary items | $409,000 | 6,272 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $409,000 | 6,272 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,894 |
| Cash dividends | $180,000 | 4,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $409,000 | 6,199 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,018,000 | 5,525 |
| Total interest expense | $506,000 | 5,614 |
| Net interest income | $1,512,000 | 5,376 |
| Provision for loan and lease losses | $66,000 | 4,180 |
| Total noninterest income | $172,000 | 6,163 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $82,000 | 5,671 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $90,000 | 5,371 |
| Total noninterest expense | $1,160,000 | 5,541 |
| Salaries and employee benefits | $621,000 | 5,582 |
| Premises and equipment expense | $122,000 | 6,279 |
| Additional noninterest expense | $417,000 | 4,922 |
| Pre-tax net operating income | $458,000 | 5,527 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $81,000 | 5,100 |
| Income before extraordinary items | $377,000 | 5,476 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $377,000 | 5,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,586 |
| Cash dividends | $180,000 | 3,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $377,000 | 5,378 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $980,000 | 5,643 |
| Total interest expense | $240,000 | 5,816 |
| Net interest income | $740,000 | 5,453 |
| Provision for loan and lease losses | $33,000 | 3,984 |
| Total noninterest income | $115,000 | 5,443 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $42,000 | 5,572 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $73,000 | 4,352 |
| Total noninterest expense | $583,000 | 5,545 |
| Salaries and employee benefits | $321,000 | 5,515 |
| Premises and equipment expense | $60,000 | 6,320 |
| Additional noninterest expense | $202,000 | 5,044 |
| Pre-tax net operating income | $239,000 | 5,390 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $41,000 | 5,084 |
| Income before extraordinary items | $198,000 | 5,376 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $198,000 | 5,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,516 |
| Cash dividends | $90,000 | 2,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $198,000 | 5,246 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,878,000 | 5,754 |
| Total interest expense | $1,078,000 | 5,901 |
| Net interest income | $2,800,000 | 5,531 |
| Provision for loan and lease losses | $129,000 | 4,826 |
| Total noninterest income | $341,000 | 6,313 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $138,000 | 6,025 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $203,000 | 5,252 |
| Total noninterest expense | $2,357,000 | 5,432 |
| Salaries and employee benefits | $1,314,000 | 5,316 |
| Premises and equipment expense | $222,000 | 6,520 |
| Additional noninterest expense | $821,000 | 4,960 |
| Pre-tax net operating income | $655,000 | 6,146 |
| Securities gains (losses) | $37,000 | 2,758 |
| Applicable income taxes | $99,000 | 5,732 |
| Income before extraordinary items | $593,000 | 5,977 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $593,000 | 5,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,380 |
| Cash dividends | $336,000 | 4,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $561,180 | 5,937 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,921,000 | 5,807 |
| Total interest expense | $827,000 | 5,973 |
| Net interest income | $2,094,000 | 5,573 |
| Provision for loan and lease losses | $72,000 | 5,277 |
| Total noninterest income | $203,000 | 6,837 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $96,000 | 6,205 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $107,000 | 5,950 |
| Total noninterest expense | $1,705,000 | 5,529 |
| Salaries and employee benefits | $913,000 | 5,548 |
| Premises and equipment expense | $175,000 | 6,385 |
| Additional noninterest expense | $617,000 | 4,909 |
| Pre-tax net operating income | $520,000 | 6,194 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $95,000 | 5,622 |
| Income before extraordinary items | $425,000 | 6,209 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $425,000 | 6,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,821 |
| Cash dividends | $255,000 | 3,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $425,000 | 6,047 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,051,000 | 5,652 |
| Total interest expense | $562,000 | 6,030 |
| Net interest income | $1,489,000 | 5,346 |
| Provision for loan and lease losses | $48,000 | 5,200 |
| Total noninterest income | $90,000 | 7,570 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $63,000 | 6,212 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $27,000 | 7,458 |
| Total noninterest expense | $1,099,000 | 5,656 |
| Salaries and employee benefits | $586,000 | 5,692 |
| Premises and equipment expense | $114,000 | 6,421 |
| Additional noninterest expense | $399,000 | 5,014 |
| Pre-tax net operating income | $432,000 | 5,678 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $90,000 | 5,255 |
| Income before extraordinary items | $342,000 | 5,791 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $342,000 | 5,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,623 |
| Cash dividends | $166,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $342,000 | 5,579 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $992,000 | 5,804 |
| Total interest expense | $288,000 | 6,068 |
| Net interest income | $704,000 | 5,535 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $41,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 6,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $558,000 | 5,577 |
| Salaries and employee benefits | $308,000 | 5,537 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $191,000 | 5,135 |
| Pre-tax net operating income | $163,000 | 6,299 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $18,000 | 6,161 |
| Income before extraordinary items | $145,000 | 6,086 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $145,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,653 |
| Cash dividends | $81,000 | 3,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $145,000 | 5,910 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,181,000 | 5,769 |
| Total interest expense | $1,406,000 | 5,918 |
| Net interest income | $2,775,000 | 5,556 |
| Provision for loan and lease losses | $191,000 | 4,468 |
| Total noninterest income | $208,000 | 7,227 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $111,000 | 6,388 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 6,503 |
| Total noninterest expense | $2,154,000 | 5,605 |
| Salaries and employee benefits | $1,172,000 | 5,569 |
| Premises and equipment expense | $226,000 | 6,443 |
| Additional noninterest expense | $756,000 | 5,133 |
| Pre-tax net operating income | $638,000 | 6,298 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $173,000 | 5,317 |
| Income before extraordinary items | $465,000 | 6,549 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $465,000 | 6,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,210 |
| Cash dividends | $322,000 | 4,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $465,000 | 6,423 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,510,000 | 5,960 |
| Total interest expense | $1,980,000 | 6,125 |
| Net interest income | $2,530,000 | 5,679 |
| Provision for loan and lease losses | $51,000 | 6,641 |
| Total noninterest income | $206,000 | 7,252 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $104,000 | 6,509 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $102,000 | 6,397 |
| Total noninterest expense | $1,991,000 | 5,740 |
| Salaries and employee benefits | $1,119,000 | 5,587 |
| Premises and equipment expense | $238,000 | 6,235 |
| Additional noninterest expense | $634,000 | 5,638 |
| Pre-tax net operating income | $694,000 | 5,845 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $232,000 | 4,735 |
| Income before extraordinary items | $488,000 | 6,135 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $488,000 | 6,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,195 |
| Cash dividends | $328,000 | 4,243 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 848 |
| Net operating income | $470,320 | 6,092 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,399,000 | 6,171 |
| Total interest expense | $2,072,000 | 6,168 |
| Net interest income | $2,327,000 | 6,068 |
| Provision for loan and lease losses | $21,000 | 7,573 |
| Total noninterest income | $196,000 | 7,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 6,289 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 6,911 |
| Total noninterest expense | $1,894,000 | 5,874 |
| Salaries and employee benefits | $1,038,000 | 5,777 |
| Premises and equipment expense | $252,000 | 6,019 |
| Additional noninterest expense | $604,000 | 5,765 |
| Pre-tax net operating income | $608,000 | 6,558 |
| Securities gains (losses) | $20,000 | 951 |
| Applicable income taxes | $220,000 | 5,222 |
| Income before extraordinary items | $408,000 | 6,803 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $408,000 | 6,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,877 |
| Cash dividends | $377,000 | 4,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $395,000 | 6,895 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,801,000 | 6,520 |
| Total interest expense | $1,599,000 | 6,728 |
| Net interest income | $2,202,000 | 6,275 |
| Provision for loan and lease losses | $4,000 | 8,376 |
| Total noninterest income | $172,000 | 7,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 6,651 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 7,453 |
| Total noninterest expense | $1,673,000 | 6,354 |
| Salaries and employee benefits | $965,000 | 6,023 |
| Premises and equipment expense | $222,000 | 6,470 |
| Additional noninterest expense | $486,000 | 6,613 |
| Pre-tax net operating income | $697,000 | 6,323 |
| Securities gains (losses) | $34,000 | 1,140 |
| Applicable income taxes | $205,000 | 5,648 |
| Income before extraordinary items | $526,000 | 6,271 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $526,000 | 6,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $328,000 | 4,345 |
| Sale, conversion, retirement of capital stock, net | $-67,000 | 10,085 |
| Net operating income | $501,520 | 6,409 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,453,000 | 7,008 |
| Total interest expense | $1,390,000 | 7,442 |
| Net interest income | $2,063,000 | 6,557 |
| Provision for loan and lease losses | $55,000 | 6,428 |
| Total noninterest income | $149,000 | 8,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 7,095 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,768 |
| Total noninterest expense | $1,576,000 | 6,485 |
| Salaries and employee benefits | $869,000 | 6,357 |
| Premises and equipment expense | $233,000 | 6,215 |
| Additional noninterest expense | $474,000 | 6,621 |
| Pre-tax net operating income | $581,000 | 7,018 |
| Securities gains (losses) | $44,000 | 1,829 |
| Applicable income taxes | $201,000 | 6,170 |
| Income before extraordinary items | $424,000 | 7,068 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $424,000 | 7,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $315,000 | 4,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $394,080 | 7,165 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,237,000 | 7,467 |
| Total interest expense | $1,247,000 | 7,989 |
| Net interest income | $1,990,000 | 6,930 |
| Provision for loan and lease losses | $216,000 | 3,274 |
| Total noninterest income | $138,000 | 8,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,794 |
| Total noninterest expense | $1,382,000 | 7,081 |
| Salaries and employee benefits | $725,000 | 7,170 |
| Premises and equipment expense | $200,000 | 6,854 |
| Additional noninterest expense | $457,000 | 6,867 |
| Pre-tax net operating income | $530,000 | 7,760 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $91,000 | 8,552 |
| Income before extraordinary items | $447,000 | 7,332 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $447,000 | 7,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 1,760 |
| Cash dividends | $240,000 | 5,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $440,360 | 7,327 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,191,000 | 7,746 |
| Total interest expense | $1,122,000 | 8,628 |
| Net interest income | $2,069,000 | 7,009 |
| Provision for loan and lease losses | $75,000 | 5,702 |
| Total noninterest income | $111,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 8,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 9,253 |
| Total noninterest expense | $1,308,000 | 7,638 |
| Salaries and employee benefits | $762,000 | 7,190 |
| Premises and equipment expense | $186,000 | 7,295 |
| Additional noninterest expense | $360,000 | 8,263 |
| Pre-tax net operating income | $797,000 | 6,520 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $279,000 | 6,074 |
| Income before extraordinary items | $524,000 | 6,737 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $524,000 | 6,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $240,000 | 5,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $520,100 | 6,710 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,157,000 | 8,001 |
| Total interest expense | $1,132,000 | 8,806 |
| Net interest income | $2,025,000 | 7,248 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $112,000 | 10,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 8,644 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,575 |
| Total noninterest expense | $1,387,000 | 7,627 |
| Salaries and employee benefits | $744,000 | 7,438 |
| Premises and equipment expense | $202,000 | 7,153 |
| Additional noninterest expense | $441,000 | 7,787 |
| Pre-tax net operating income | $750,000 | 7,058 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $263,000 | 6,470 |
| Income before extraordinary items | $483,000 | 7,378 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $483,000 | 7,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $240,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $485,600 | 7,324 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,763,000 | 8,443 |
| Total interest expense | $854,000 | 9,330 |
| Net interest income | $1,909,000 | 7,776 |
| Provision for loan and lease losses | $16,000 | 8,030 |
| Total noninterest income | $81,000 | 11,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 9,250 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $1,292,000 | 8,281 |
| Salaries and employee benefits | $652,000 | 8,260 |
| Premises and equipment expense | $160,000 | 8,293 |
| Additional noninterest expense | $480,000 | 8,055 |
| Pre-tax net operating income | $682,000 | 7,507 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $212,000 | 7,149 |
| Income before extraordinary items | $470,000 | 7,543 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $470,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $235,000 | 5,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $470,000 | 7,581 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,854,000 | 8,578 |
| Total interest expense | $878,000 | 9,644 |
| Net interest income | $1,976,000 | 7,749 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $99,000 | 11,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 11,040 |
| Total noninterest expense | $1,235,000 | 8,755 |
| Salaries and employee benefits | $648,000 | 8,408 |
| Premises and equipment expense | $135,000 | 9,319 |
| Additional noninterest expense | $452,000 | 8,705 |
| Pre-tax net operating income | $816,000 | 6,728 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $301,000 | 6,074 |
| Income before extraordinary items | $515,000 | 7,426 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $515,000 | 7,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,762 |
| Cash dividends | $230,000 | 5,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $515,000 | 7,189 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,994,000 | 8,987 |
| Total interest expense | $1,197,000 | 9,615 |
| Net interest income | $1,797,000 | 8,357 |
| Provision for loan and lease losses | $18,000 | 10,694 |
| Total noninterest income | $61,000 | 12,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 11,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,562 |
| Total noninterest expense | $1,102,000 | 9,505 |
| Salaries and employee benefits | $587,000 | 8,926 |
| Premises and equipment expense | $154,000 | 8,989 |
| Additional noninterest expense | $361,000 | 10,061 |
| Pre-tax net operating income | $738,000 | 6,898 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $264,000 | 6,447 |
| Income before extraordinary items | $474,000 | 7,549 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $474,000 | 7,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 8,305 |
| Cash dividends | $220,000 | 4,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $474,000 | 7,179 |
* 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.