Home > Valley Bank > Income and Expense
Valley Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $24,659,000 | 1,203 |
| Total interest expense | $8,674,000 | 1,404 |
| Net interest income | $15,985,000 | 1,063 |
| Provision for loan and lease losses | $316,000 | 2,062 |
| Total noninterest income | $228,000 | 6,209 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $183,000 | 4,588 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $45,000 | 7,069 |
| Total noninterest expense | $6,441,000 | 2,049 |
| Salaries and employee benefits | $3,645,000 | 1,997 |
| Premises and equipment expense | $732,000 | 2,538 |
| Additional noninterest expense | $2,064,000 | 1,891 |
| Pre-tax net operating income | $9,456,000 | 817 |
| Securities gains (losses) | $20,000 | 742 |
| Applicable income taxes | $3,251,000 | 738 |
| Income before extraordinary items | $6,225,000 | 939 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,225,000 | 938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,673 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $6,211,800 | 928 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $15,845,000 | 1,230 |
| Total interest expense | $5,428,000 | 1,421 |
| Net interest income | $10,417,000 | 1,086 |
| Provision for loan and lease losses | $279,000 | 1,611 |
| Total noninterest income | $145,000 | 6,291 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $121,000 | 4,582 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $24,000 | 7,365 |
| Total noninterest expense | $4,198,000 | 2,098 |
| Salaries and employee benefits | $2,315,000 | 2,117 |
| Premises and equipment expense | $481,000 | 2,564 |
| Additional noninterest expense | $1,402,000 | 1,864 |
| Pre-tax net operating income | $6,085,000 | 849 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,088,000 | 772 |
| Income before extraordinary items | $3,997,000 | 963 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,997,000 | 964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 7,997 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,997,000 | 944 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,396,000 | 1,277 |
| Total interest expense | $2,440,000 | 1,509 |
| Net interest income | $4,956,000 | 1,136 |
| Provision for loan and lease losses | $227,000 | 1,016 |
| Total noninterest income | $61,000 | 6,597 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $57,000 | 4,646 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,174 |
| Total noninterest expense | $2,115,000 | 2,090 |
| Salaries and employee benefits | $1,161,000 | 2,126 |
| Premises and equipment expense | $241,000 | 2,538 |
| Additional noninterest expense | $713,000 | 1,835 |
| Pre-tax net operating income | $2,675,000 | 943 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $908,000 | 851 |
| Income before extraordinary items | $1,767,000 | 1,065 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,767,000 | 1,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,427 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,767,000 | 1,048 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,866,000 | 1,463 |
| Total interest expense | $6,609,000 | 1,722 |
| Net interest income | $16,257,000 | 1,351 |
| Provision for loan and lease losses | $777,000 | 1,297 |
| Total noninterest income | $262,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $191,000 | 5,131 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $71,000 | 6,919 |
| Total noninterest expense | $6,637,000 | 2,514 |
| Salaries and employee benefits | $3,587,000 | 2,545 |
| Premises and equipment expense | $766,000 | 3,006 |
| Additional noninterest expense | $2,284,000 | 2,194 |
| Pre-tax net operating income | $9,105,000 | 1,063 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,103,000 | 934 |
| Income before extraordinary items | $6,002,000 | 1,202 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,002,000 | 1,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-139,000 | 8,683 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,002,000 | 1,184 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,904,000 | 1,535 |
| Total interest expense | $4,363,000 | 1,838 |
| Net interest income | $11,541,000 | 1,395 |
| Provision for loan and lease losses | $604,000 | 1,200 |
| Total noninterest income | $203,000 | 6,563 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $150,000 | 5,068 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,977 |
| Total noninterest expense | $4,698,000 | 2,616 |
| Salaries and employee benefits | $2,537,000 | 2,632 |
| Premises and equipment expense | $543,000 | 3,131 |
| Additional noninterest expense | $1,618,000 | 2,280 |
| Pre-tax net operating income | $6,442,000 | 1,118 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,195,000 | 989 |
| Income before extraordinary items | $4,247,000 | 1,276 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,247,000 | 1,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-130,000 | 8,681 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,247,000 | 1,253 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,719,000 | 1,650 |
| Total interest expense | $2,519,000 | 1,978 |
| Net interest income | $7,200,000 | 1,480 |
| Provision for loan and lease losses | $280,000 | 1,629 |
| Total noninterest income | $137,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $102,000 | 4,990 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $35,000 | 6,983 |
| Total noninterest expense | $2,969,000 | 2,720 |
| Salaries and employee benefits | $1,657,000 | 2,675 |
| Premises and equipment expense | $323,000 | 3,407 |
| Additional noninterest expense | $989,000 | 2,456 |
| Pre-tax net operating income | $4,088,000 | 1,139 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,393,000 | 1,019 |
| Income before extraordinary items | $2,695,000 | 1,309 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,695,000 | 1,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-110,000 | 8,677 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,695,000 | 1,284 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,450,000 | 1,753 |
| Total interest expense | $1,090,000 | 2,156 |
| Net interest income | $3,360,000 | 1,583 |
| Provision for loan and lease losses | $51,000 | 3,150 |
| Total noninterest income | $75,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $56,000 | 4,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,923 |
| Total noninterest expense | $1,575,000 | 2,592 |
| Salaries and employee benefits | $826,000 | 2,699 |
| Premises and equipment expense | $171,000 | 3,298 |
| Additional noninterest expense | $578,000 | 2,122 |
| Pre-tax net operating income | $1,809,000 | 1,266 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $616,000 | 1,121 |
| Income before extraordinary items | $1,193,000 | 1,421 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,193,000 | 1,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-90,000 | 8,765 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,193,000 | 1,397 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,448,000 | 2,129 |
| Total interest expense | $2,708,000 | 2,855 |
| Net interest income | $10,740,000 | 1,886 |
| Provision for loan and lease losses | $632,000 | 1,572 |
| Total noninterest income | $301,000 | 6,401 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $255,000 | 4,706 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $46,000 | 7,502 |
| Total noninterest expense | $5,423,000 | 2,899 |
| Salaries and employee benefits | $3,130,000 | 2,729 |
| Premises and equipment expense | $573,000 | 3,670 |
| Additional noninterest expense | $1,720,000 | 2,774 |
| Pre-tax net operating income | $4,986,000 | 1,707 |
| Securities gains (losses) | $-6,000 | 8,098 |
| Applicable income taxes | $1,697,000 | 1,458 |
| Income before extraordinary items | $3,283,000 | 1,918 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,283,000 | 1,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,286,960 | 1,871 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,536,000 | 2,222 |
| Total interest expense | $1,980,000 | 2,868 |
| Net interest income | $7,556,000 | 1,993 |
| Provision for loan and lease losses | $506,000 | 1,442 |
| Total noninterest income | $231,000 | 6,383 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $204,000 | 4,588 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $27,000 | 7,817 |
| Total noninterest expense | $3,931,000 | 2,951 |
| Salaries and employee benefits | $2,265,000 | 2,799 |
| Premises and equipment expense | $432,000 | 3,661 |
| Additional noninterest expense | $1,234,000 | 2,856 |
| Pre-tax net operating income | $3,350,000 | 1,871 |
| Securities gains (losses) | $-6,000 | 8,396 |
| Applicable income taxes | $1,140,000 | 1,601 |
| Income before extraordinary items | $2,204,000 | 2,121 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,204,000 | 2,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,395 |
| Cash dividends | $250,000 | 3,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,207,960 | 2,068 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,062,000 | 2,321 |
| Total interest expense | $1,312,000 | 2,871 |
| Net interest income | $4,750,000 | 2,112 |
| Provision for loan and lease losses | $386,000 | 1,272 |
| Total noninterest income | $159,000 | 6,337 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $141,000 | 4,478 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 7,850 |
| Total noninterest expense | $2,524,000 | 3,061 |
| Salaries and employee benefits | $1,431,000 | 2,958 |
| Premises and equipment expense | $154,000 | 5,586 |
| Additional noninterest expense | $939,000 | 2,529 |
| Pre-tax net operating income | $1,999,000 | 2,043 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $683,000 | 1,740 |
| Income before extraordinary items | $1,319,000 | 2,324 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,319,000 | 2,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,317,020 | 2,263 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,823,000 | 2,480 |
| Total interest expense | $643,000 | 2,954 |
| Net interest income | $2,180,000 | 2,290 |
| Provision for loan and lease losses | $105,000 | 2,016 |
| Total noninterest income | $88,000 | 6,069 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 4,055 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $1,228,000 | 3,153 |
| Salaries and employee benefits | $691,000 | 3,058 |
| Premises and equipment expense | $144,000 | 3,699 |
| Additional noninterest expense | $393,000 | 2,964 |
| Pre-tax net operating income | $935,000 | 2,132 |
| Securities gains (losses) | $14,000 | 1,880 |
| Applicable income taxes | $324,000 | 1,822 |
| Income before extraordinary items | $625,000 | 2,400 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $625,000 | 2,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-200,000 | 9,042 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $615,760 | 2,356 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,006,000 | 2,821 |
| Total interest expense | $2,992,000 | 2,875 |
| Net interest income | $7,014,000 | 2,746 |
| Provision for loan and lease losses | $478,000 | 2,264 |
| Total noninterest income | $277,000 | 6,757 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $259,000 | 4,671 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $18,000 | 8,497 |
| Total noninterest expense | $4,714,000 | 3,202 |
| Salaries and employee benefits | $2,521,000 | 3,255 |
| Premises and equipment expense | $589,000 | 3,577 |
| Additional noninterest expense | $1,604,000 | 2,897 |
| Pre-tax net operating income | $2,099,000 | 3,285 |
| Securities gains (losses) | $18,000 | 3,281 |
| Applicable income taxes | $711,000 | 2,767 |
| Income before extraordinary items | $1,406,000 | 3,722 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,406,000 | 3,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,544 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $3,240,000 | 262 |
| Net operating income | $1,394,120 | 3,586 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,379,000 | 2,912 |
| Total interest expense | $2,362,000 | 2,827 |
| Net interest income | $5,017,000 | 2,894 |
| Provision for loan and lease losses | $306,000 | 2,477 |
| Total noninterest income | $195,000 | 6,927 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $183,000 | 4,842 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,000 | 8,600 |
| Total noninterest expense | $3,504,000 | 3,230 |
| Salaries and employee benefits | $1,873,000 | 3,271 |
| Premises and equipment expense | $450,000 | 3,524 |
| Additional noninterest expense | $1,181,000 | 2,919 |
| Pre-tax net operating income | $1,402,000 | 3,661 |
| Securities gains (losses) | $21,000 | 2,930 |
| Applicable income taxes | $464,000 | 3,159 |
| Income before extraordinary items | $959,000 | 4,088 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $959,000 | 4,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,349 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $3,240,000 | 176 |
| Net operating income | $944,930 | 3,954 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,807,000 | 3,004 |
| Total interest expense | $1,662,000 | 2,767 |
| Net interest income | $3,145,000 | 3,052 |
| Provision for loan and lease losses | $193,000 | 2,580 |
| Total noninterest income | $125,000 | 6,993 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $116,000 | 4,923 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $9,000 | 8,523 |
| Total noninterest expense | $2,283,000 | 3,300 |
| Salaries and employee benefits | $1,230,000 | 3,305 |
| Premises and equipment expense | $287,000 | 3,631 |
| Additional noninterest expense | $766,000 | 2,981 |
| Pre-tax net operating income | $794,000 | 4,085 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $250,000 | 3,552 |
| Income before extraordinary items | $544,000 | 4,577 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $544,000 | 4,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,542 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $3,240,000 | 106 |
| Net operating income | $544,000 | 4,362 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 3,097 |
| Total interest expense | $843,000 | 2,800 |
| Net interest income | $1,487,000 | 3,185 |
| Provision for loan and lease losses | $77,000 | 2,778 |
| Total noninterest income | $58,000 | 7,077 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $53,000 | 5,050 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,460 |
| Total noninterest expense | $1,119,000 | 3,343 |
| Salaries and employee benefits | $631,000 | 3,221 |
| Premises and equipment expense | $142,000 | 3,648 |
| Additional noninterest expense | $346,000 | 3,225 |
| Pre-tax net operating income | $349,000 | 4,396 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $119,000 | 3,639 |
| Income before extraordinary items | $230,000 | 4,952 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $230,000 | 4,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 175 |
| Net operating income | $230,000 | 4,750 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,601,000 | 3,428 |
| Total interest expense | $3,249,000 | 3,306 |
| Net interest income | $5,352,000 | 3,460 |
| Provision for loan and lease losses | $1,596,000 | 897 |
| Total noninterest income | $192,000 | 7,398 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $171,000 | 5,579 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $21,000 | 8,496 |
| Total noninterest expense | $3,752,000 | 3,738 |
| Salaries and employee benefits | $1,918,000 | 3,873 |
| Premises and equipment expense | $567,000 | 3,582 |
| Additional noninterest expense | $1,267,000 | 3,450 |
| Pre-tax net operating income | $196,000 | 7,939 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $76,000 | 6,213 |
| Income before extraordinary items | $137,000 | 8,154 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $137,000 | 8,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,321,000 | 752 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $126,120 | 8,109 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,967,000 | 4,039 |
| Total interest expense | $3,906,000 | 3,879 |
| Net interest income | $4,061,000 | 4,076 |
| Provision for loan and lease losses | $340,000 | 2,959 |
| Total noninterest income | $218,000 | 7,142 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $148,000 | 5,823 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $70,000 | 7,115 |
| Total noninterest expense | $3,128,000 | 4,197 |
| Salaries and employee benefits | $1,806,000 | 3,906 |
| Premises and equipment expense | $386,000 | 4,702 |
| Additional noninterest expense | $936,000 | 4,284 |
| Pre-tax net operating income | $811,000 | 5,455 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $113,000 | 5,852 |
| Income before extraordinary items | $698,000 | 5,238 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $698,000 | 5,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,825 |
| Cash dividends | $55,000 | 6,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $698,000 | 5,123 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,581,000 | 5,334 |
| Total interest expense | $3,086,000 | 4,820 |
| Net interest income | $2,495,000 | 5,809 |
| Provision for loan and lease losses | $464,000 | 2,009 |
| Total noninterest income | $88,000 | 8,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,199 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,043 |
| Total noninterest expense | $1,985,000 | 5,706 |
| Salaries and employee benefits | $1,126,000 | 5,472 |
| Premises and equipment expense | $257,000 | 5,950 |
| Additional noninterest expense | $602,000 | 5,781 |
| Pre-tax net operating income | $134,000 | 8,668 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $-118,000 | 9,609 |
| Income before extraordinary items | $254,000 | 7,749 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $254,000 | 7,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $3,602,000 | 276 |
| Net operating income | $252,000 | 7,769 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,926,000 | 8,584 |
| Total interest expense | $859,000 | 8,540 |
| Net interest income | $1,067,000 | 8,476 |
| Provision for loan and lease losses | $233,000 | 3,243 |
| Total noninterest income | $25,000 | 9,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 8,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 9,216 |
| Total noninterest expense | $1,414,000 | 7,009 |
| Salaries and employee benefits | $718,000 | 7,140 |
| Premises and equipment expense | $225,000 | 6,425 |
| Additional noninterest expense | $471,000 | 6,739 |
| Pre-tax net operating income | $-555,000 | 9,887 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-555,000 | 9,934 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-555,000 | 9,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 866 |
| Net operating income | $-555,000 | 9,913 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $258,000 | 10,327 |
| Total interest expense | $10,000 | 10,406 |
| Net interest income | $248,000 | 10,258 |
| Provision for loan and lease losses | $26,000 | 7,477 |
| Total noninterest income | $1,000 | 10,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,352 |
| Total noninterest expense | $624,000 | 9,353 |
| Salaries and employee benefits | $236,000 | 9,947 |
| Premises and equipment expense | $40,000 | 10,020 |
| Additional noninterest expense | $348,000 | 7,687 |
| Pre-tax net operating income | $-401,000 | 10,141 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-401,000 | 10,185 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-401,000 | 10,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $7,407,000 | 155 |
| Net operating income | $-401,000 | 10,159 |
* 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.