Home > Valley State Bank > Income and Expense
Valley State Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,348,000 | 4,640 |
| Total interest expense | $1,169,000 | 4,800 |
| Net interest income | $2,179,000 | 4,478 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $352,000 | 4,334 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $171,000 | 3,862 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $181,000 | 3,931 |
| Total noninterest expense | $1,249,000 | 5,480 |
| Salaries and employee benefits | $754,000 | 5,171 |
| Premises and equipment expense | $154,000 | 5,708 |
| Additional noninterest expense | $341,000 | 5,688 |
| Pre-tax net operating income | $1,042,000 | 3,712 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,042,000 | 3,121 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,042,000 | 3,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,050,000 | 327 |
| Cash dividends | $3,500,000 | 504 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,042,000 | 3,105 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,634,000 | 4,654 |
| Total interest expense | $559,000 | 4,795 |
| Net interest income | $1,075,000 | 4,490 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $244,000 | 3,528 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $89,000 | 3,722 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $155,000 | 2,918 |
| Total noninterest expense | $674,000 | 5,246 |
| Salaries and employee benefits | $389,000 | 5,105 |
| Premises and equipment expense | $78,000 | 5,692 |
| Additional noninterest expense | $207,000 | 5,076 |
| Pre-tax net operating income | $525,000 | 3,618 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $525,000 | 3,048 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $525,000 | 3,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,562 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $525,000 | 3,024 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,325,000 | 4,469 |
| Total interest expense | $1,994,000 | 4,438 |
| Net interest income | $4,331,000 | 4,385 |
| Provision for loan and lease losses | $480,000 | 1,951 |
| Total noninterest income | $566,000 | 4,946 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $388,000 | 3,624 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $178,000 | 5,403 |
| Total noninterest expense | $3,099,000 | 4,667 |
| Salaries and employee benefits | $2,138,000 | 3,932 |
| Premises and equipment expense | $308,000 | 5,654 |
| Additional noninterest expense | $653,000 | 5,787 |
| Pre-tax net operating income | $1,318,000 | 4,689 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,319,000 | 4,111 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,319,000 | 4,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $722,000 | 867 |
| Cash dividends | $1,100,000 | 2,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,318,000 | 4,085 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,690,000 | 4,457 |
| Total interest expense | $1,424,000 | 4,457 |
| Net interest income | $3,266,000 | 4,375 |
| Provision for loan and lease losses | $360,000 | 1,866 |
| Total noninterest income | $452,000 | 4,809 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $297,000 | 3,574 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $155,000 | 5,131 |
| Total noninterest expense | $1,799,000 | 5,483 |
| Salaries and employee benefits | $1,095,000 | 5,113 |
| Premises and equipment expense | $220,000 | 5,802 |
| Additional noninterest expense | $484,000 | 5,810 |
| Pre-tax net operating income | $1,559,000 | 3,643 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,560,000 | 3,033 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,560,000 | 3,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,490 |
| Cash dividends | $1,100,000 | 1,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,559,000 | 2,999 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,060,000 | 4,461 |
| Total interest expense | $905,000 | 4,435 |
| Net interest income | $2,155,000 | 4,372 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $268,000 | 5,051 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $186,000 | 3,677 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $82,000 | 5,563 |
| Total noninterest expense | $1,202,000 | 5,468 |
| Salaries and employee benefits | $729,000 | 5,114 |
| Premises and equipment expense | $146,000 | 5,777 |
| Additional noninterest expense | $327,000 | 5,737 |
| Pre-tax net operating income | $981,000 | 3,768 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $982,000 | 3,138 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $982,000 | 3,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,383 |
| Cash dividends | $1,100,000 | 1,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $981,000 | 3,092 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,541,000 | 4,392 |
| Total interest expense | $425,000 | 4,486 |
| Net interest income | $1,116,000 | 4,278 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $113,000 | 5,424 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $92,000 | 3,634 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $598,000 | 5,525 |
| Salaries and employee benefits | $360,000 | 5,185 |
| Premises and equipment expense | $72,000 | 5,866 |
| Additional noninterest expense | $166,000 | 5,678 |
| Pre-tax net operating income | $511,000 | 3,615 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $511,000 | 3,001 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $511,000 | 3,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,291 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $511,000 | 2,960 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,990,000 | 4,273 |
| Total interest expense | $1,686,000 | 4,167 |
| Net interest income | $4,304,000 | 4,261 |
| Provision for loan and lease losses | $480,000 | 2,016 |
| Total noninterest income | $532,000 | 5,111 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $379,000 | 3,764 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $153,000 | 5,645 |
| Total noninterest expense | $3,110,000 | 4,546 |
| Salaries and employee benefits | $2,137,000 | 3,774 |
| Premises and equipment expense | $311,000 | 5,576 |
| Additional noninterest expense | $662,000 | 5,711 |
| Pre-tax net operating income | $1,246,000 | 4,706 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,248,000 | 4,105 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,248,000 | 4,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $628,000 | 1,112 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,246,000 | 4,045 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,493,000 | 4,252 |
| Total interest expense | $1,266,000 | 4,113 |
| Net interest income | $3,227,000 | 4,255 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $405,000 | 5,104 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $288,000 | 3,763 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $117,000 | 5,624 |
| Total noninterest expense | $2,034,000 | 4,966 |
| Salaries and employee benefits | $1,320,000 | 4,374 |
| Premises and equipment expense | $218,000 | 5,734 |
| Additional noninterest expense | $496,000 | 5,659 |
| Pre-tax net operating income | $1,238,000 | 4,084 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,240,000 | 3,467 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,240,000 | 3,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-106,000 | 8,821 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,238,000 | 3,380 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,975,000 | 4,281 |
| Total interest expense | $850,000 | 4,098 |
| Net interest income | $2,125,000 | 4,295 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $244,000 | 5,352 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $182,000 | 3,874 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $62,000 | 6,075 |
| Total noninterest expense | $1,441,000 | 4,779 |
| Salaries and employee benefits | $954,000 | 4,121 |
| Premises and equipment expense | $148,000 | 5,701 |
| Additional noninterest expense | $339,000 | 5,605 |
| Pre-tax net operating income | $688,000 | 4,496 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $690,000 | 3,875 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $690,000 | 3,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-136,000 | 8,940 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $688,000 | 3,807 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,455,000 | 4,363 |
| Total interest expense | $429,000 | 4,115 |
| Net interest income | $1,026,000 | 4,399 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $105,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $81,000 | 4,084 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $713,000 | 4,857 |
| Salaries and employee benefits | $473,000 | 4,184 |
| Premises and equipment expense | $74,000 | 5,726 |
| Additional noninterest expense | $166,000 | 5,673 |
| Pre-tax net operating income | $298,000 | 4,824 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $299,000 | 4,272 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $299,000 | 4,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-47,000 | 8,830 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $298,000 | 4,159 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,365,000 | 4,124 |
| Total interest expense | $1,987,000 | 4,049 |
| Net interest income | $4,378,000 | 4,084 |
| Provision for loan and lease losses | $480,000 | 2,232 |
| Total noninterest income | $618,000 | 4,878 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $301,000 | 4,292 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $317,000 | 4,391 |
| Total noninterest expense | $2,778,000 | 4,855 |
| Salaries and employee benefits | $1,856,000 | 4,164 |
| Premises and equipment expense | $307,000 | 5,607 |
| Additional noninterest expense | $615,000 | 5,916 |
| Pre-tax net operating income | $1,738,000 | 3,731 |
| Securities gains (losses) | $2,000 | 4,163 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,740,000 | 3,186 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,740,000 | 3,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,817 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,738,000 | 3,045 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,858,000 | 4,102 |
| Total interest expense | $1,534,000 | 4,067 |
| Net interest income | $3,324,000 | 4,057 |
| Provision for loan and lease losses | $360,000 | 2,185 |
| Total noninterest income | $529,000 | 4,582 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $230,000 | 4,260 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $299,000 | 4,047 |
| Total noninterest expense | $1,746,000 | 5,442 |
| Salaries and employee benefits | $1,079,000 | 4,976 |
| Premises and equipment expense | $216,000 | 5,767 |
| Additional noninterest expense | $451,000 | 5,975 |
| Pre-tax net operating income | $1,747,000 | 3,144 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,747,000 | 2,623 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,747,000 | 2,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,857 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,747,000 | 2,491 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,242,000 | 4,150 |
| Total interest expense | $1,064,000 | 4,053 |
| Net interest income | $2,178,000 | 4,124 |
| Provision for loan and lease losses | $240,000 | 2,189 |
| Total noninterest income | $195,000 | 6,073 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $152,000 | 4,248 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $43,000 | 6,830 |
| Total noninterest expense | $1,170,000 | 5,413 |
| Salaries and employee benefits | $718,000 | 4,973 |
| Premises and equipment expense | $141,000 | 5,847 |
| Additional noninterest expense | $311,000 | 5,860 |
| Pre-tax net operating income | $963,000 | 3,614 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $963,000 | 3,055 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $963,000 | 3,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,828 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $963,000 | 2,895 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 4,160 |
| Total interest expense | $549,000 | 4,049 |
| Net interest income | $1,083,000 | 4,152 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $96,000 | 6,000 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $75,000 | 4,221 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 6,840 |
| Total noninterest expense | $578,000 | 5,468 |
| Salaries and employee benefits | $355,000 | 5,027 |
| Premises and equipment expense | $67,000 | 5,985 |
| Additional noninterest expense | $156,000 | 5,791 |
| Pre-tax net operating income | $481,000 | 3,591 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $481,000 | 3,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $481,000 | 3,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 9,052 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $481,000 | 2,893 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,927,000 | 4,084 |
| Total interest expense | $2,699,000 | 3,868 |
| Net interest income | $4,228,000 | 4,176 |
| Provision for loan and lease losses | $480,000 | 2,438 |
| Total noninterest income | $483,000 | 5,313 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $298,000 | 4,251 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $185,000 | 5,185 |
| Total noninterest expense | $2,835,000 | 4,645 |
| Salaries and employee benefits | $1,857,000 | 3,980 |
| Premises and equipment expense | $286,000 | 5,725 |
| Additional noninterest expense | $692,000 | 5,448 |
| Pre-tax net operating income | $1,396,000 | 4,289 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,396,000 | 3,689 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,396,000 | 3,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 3,145 |
| Cash dividends | $378,000 | 3,949 |
| Sale, conversion, retirement of capital stock, net | $-1,400,000 | 9,329 |
| Net operating income | $1,396,000 | 3,581 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,760,000 | 4,122 |
| Total interest expense | $3,555,000 | 4,154 |
| Net interest income | $4,205,000 | 3,973 |
| Provision for loan and lease losses | $480,000 | 2,273 |
| Total noninterest income | $520,000 | 4,965 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $319,000 | 4,009 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $201,000 | 4,919 |
| Total noninterest expense | $2,659,000 | 4,752 |
| Salaries and employee benefits | $1,678,000 | 4,144 |
| Premises and equipment expense | $315,000 | 5,372 |
| Additional noninterest expense | $666,000 | 5,453 |
| Pre-tax net operating income | $1,586,000 | 3,719 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $-55,000 | 9,170 |
| Income before extraordinary items | $1,643,000 | 3,016 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,643,000 | 3,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,802 |
| Cash dividends | $1,157,000 | 2,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,641,000 | 2,916 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,781,000 | 4,229 |
| Total interest expense | $3,687,000 | 4,227 |
| Net interest income | $4,094,000 | 4,108 |
| Provision for loan and lease losses | $480,000 | 1,938 |
| Total noninterest income | $490,000 | 4,968 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $194,000 | 4,870 |
| Total noninterest expense | $2,563,000 | 4,776 |
| Salaries and employee benefits | $1,632,000 | 4,085 |
| Premises and equipment expense | $315,000 | 5,278 |
| Additional noninterest expense | $616,000 | 5,676 |
| Pre-tax net operating income | $1,541,000 | 4,002 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-27,000 | 9,405 |
| Income before extraordinary items | $1,568,000 | 3,142 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,568,000 | 3,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,612 |
| Cash dividends | $1,235,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,568,000 | 3,139 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,330,000 | 4,232 |
| Total interest expense | $3,195,000 | 4,356 |
| Net interest income | $4,135,000 | 4,054 |
| Provision for loan and lease losses | $596,000 | 1,536 |
| Total noninterest income | $467,000 | 5,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 3,989 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $167,000 | 5,347 |
| Total noninterest expense | $2,505,000 | 4,884 |
| Salaries and employee benefits | $1,583,000 | 4,156 |
| Premises and equipment expense | $326,000 | 5,213 |
| Additional noninterest expense | $596,000 | 5,845 |
| Pre-tax net operating income | $1,501,000 | 4,085 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-27,000 | 9,751 |
| Income before extraordinary items | $1,528,000 | 3,192 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,528,000 | 3,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,492 |
| Cash dividends | $1,575,000 | 1,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,528,000 | 3,154 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,284,000 | 4,252 |
| Total interest expense | $3,152,000 | 4,539 |
| Net interest income | $4,132,000 | 4,022 |
| Provision for loan and lease losses | $340,000 | 2,360 |
| Total noninterest income | $401,000 | 5,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 3,996 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,447 |
| Total noninterest expense | $2,442,000 | 4,847 |
| Salaries and employee benefits | $1,492,000 | 4,257 |
| Premises and equipment expense | $360,000 | 4,790 |
| Additional noninterest expense | $590,000 | 5,817 |
| Pre-tax net operating income | $1,751,000 | 3,717 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $260,000 | 5,548 |
| Income before extraordinary items | $1,491,000 | 3,283 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,491,000 | 3,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,475 |
| Cash dividends | $510,000 | 3,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,491,000 | 3,192 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,902,000 | 4,551 |
| Total interest expense | $3,010,000 | 4,698 |
| Net interest income | $3,892,000 | 4,340 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $434,000 | 5,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $313,000 | 3,940 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,255 |
| Total noninterest expense | $2,420,000 | 4,914 |
| Salaries and employee benefits | $1,501,000 | 4,253 |
| Premises and equipment expense | $319,000 | 5,241 |
| Additional noninterest expense | $600,000 | 5,808 |
| Pre-tax net operating income | $1,666,000 | 4,101 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $524,000 | 4,072 |
| Income before extraordinary items | $1,139,000 | 4,239 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,139,000 | 4,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $407,000 | 1,573 |
| Cash dividends | $387,000 | 4,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,141,040 | 4,179 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,312,000 | 4,993 |
| Total interest expense | $2,929,000 | 4,877 |
| Net interest income | $3,383,000 | 4,974 |
| Provision for loan and lease losses | $160,000 | 3,923 |
| Total noninterest income | $488,000 | 5,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 4,060 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 5,587 |
| Total noninterest expense | $2,435,000 | 5,115 |
| Salaries and employee benefits | $1,244,000 | 5,047 |
| Premises and equipment expense | $363,000 | 4,903 |
| Additional noninterest expense | $828,000 | 5,076 |
| Pre-tax net operating income | $1,276,000 | 4,898 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $391,000 | 4,956 |
| Income before extraordinary items | $885,000 | 4,939 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $885,000 | 4,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-119,000 | 11,255 |
| Cash dividends | $371,000 | 4,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $885,000 | 4,879 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 5,282 |
| Total interest expense | $3,007,000 | 4,746 |
| Net interest income | $2,876,000 | 5,690 |
| Provision for loan and lease losses | $64,000 | 5,599 |
| Total noninterest income | $453,000 | 5,527 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,382 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,798 |
| Total noninterest expense | $2,198,000 | 5,569 |
| Salaries and employee benefits | $1,056,000 | 5,783 |
| Premises and equipment expense | $403,000 | 4,504 |
| Additional noninterest expense | $739,000 | 5,598 |
| Pre-tax net operating income | $1,067,000 | 5,722 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $338,000 | 5,574 |
| Income before extraordinary items | $729,000 | 5,819 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $729,000 | 5,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 2,703 |
| Cash dividends | $186,000 | 5,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $729,000 | 5,802 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,390,000 | 6,269 |
| Total interest expense | $1,780,000 | 6,124 |
| Net interest income | $2,610,000 | 6,249 |
| Provision for loan and lease losses | $279,000 | 2,409 |
| Total noninterest income | $376,000 | 6,382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $286,000 | 4,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,838 |
| Total noninterest expense | $2,170,000 | 5,824 |
| Salaries and employee benefits | $1,034,000 | 5,932 |
| Premises and equipment expense | $323,000 | 5,394 |
| Additional noninterest expense | $813,000 | 5,620 |
| Pre-tax net operating income | $537,000 | 8,404 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $161,000 | 8,089 |
| Income before extraordinary items | $375,000 | 8,409 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $375,000 | 8,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,857 |
| Cash dividends | $228,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $375,700 | 8,449 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,378,000 | 6,442 |
| Total interest expense | $1,610,000 | 6,850 |
| Net interest income | $2,768,000 | 6,037 |
| Provision for loan and lease losses | $263,000 | 3,281 |
| Total noninterest income | $367,000 | 6,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,681 |
| Total noninterest expense | $2,213,000 | 5,843 |
| Salaries and employee benefits | $1,116,000 | 5,568 |
| Premises and equipment expense | $275,000 | 6,263 |
| Additional noninterest expense | $822,000 | 5,800 |
| Pre-tax net operating income | $659,000 | 7,577 |
| Securities gains (losses) | $-6,000 | 12,616 |
| Applicable income taxes | $213,000 | 7,377 |
| Income before extraordinary items | $440,000 | 8,061 |
| Extraordinary gains, net | $19,000 | 2,728 |
| Net income | $459,000 | 8,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 2,296 |
| Cash dividends | $268,000 | 4,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $444,020 | 7,756 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,853,000 | 6,530 |
| Total interest expense | $2,233,000 | 6,552 |
| Net interest income | $2,620,000 | 6,377 |
| Provision for loan and lease losses | $250,000 | 4,577 |
| Total noninterest income | $371,000 | 6,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $272,000 | 4,799 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 8,102 |
| Total noninterest expense | $2,067,000 | 6,209 |
| Salaries and employee benefits | $905,000 | 6,591 |
| Premises and equipment expense | $242,000 | 6,944 |
| Additional noninterest expense | $920,000 | 5,420 |
| Pre-tax net operating income | $674,000 | 7,242 |
| Securities gains (losses) | $145,000 | 2,458 |
| Applicable income taxes | $283,000 | 6,176 |
| Income before extraordinary items | $536,000 | 7,031 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $536,000 | 7,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 3,381 |
| Cash dividends | $119,000 | 6,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $441,750 | 7,468 |
* 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.