Home > Valley State Bank > Income and Expense
Valley State Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,012,000 | 7,533 |
| Total interest expense | $1,077,000 | 6,788 |
| Net interest income | $935,000 | 7,926 |
| Provision for loan and lease losses | $14,000 | 6,469 |
| Total noninterest income | $155,000 | 7,262 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $139,000 | 5,653 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 8,092 |
| Total noninterest expense | $602,000 | 8,312 |
| Salaries and employee benefits | $322,000 | 8,332 |
| Premises and equipment expense | $78,000 | 8,049 |
| Additional noninterest expense | $202,000 | 8,109 |
| Pre-tax net operating income | $474,000 | 6,566 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $173,000 | 4,458 |
| Income before extraordinary items | $301,000 | 6,914 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $301,000 | 6,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,822 |
| Cash dividends | $285,000 | 4,551 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $301,000 | 6,915 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,467,000 | 7,625 |
| Total interest expense | $776,000 | 6,844 |
| Net interest income | $691,000 | 8,023 |
| Provision for loan and lease losses | $11,000 | 6,314 |
| Total noninterest income | $108,000 | 7,420 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $96,000 | 5,861 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,000 | 8,141 |
| Total noninterest expense | $444,000 | 8,349 |
| Salaries and employee benefits | $239,000 | 8,362 |
| Premises and equipment expense | $58,000 | 8,100 |
| Additional noninterest expense | $147,000 | 8,165 |
| Pre-tax net operating income | $344,000 | 6,809 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $125,000 | 4,699 |
| Income before extraordinary items | $219,000 | 7,117 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $219,000 | 7,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $205,000 | 4,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $219,000 | 7,120 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $937,000 | 7,704 |
| Total interest expense | $488,000 | 6,903 |
| Net interest income | $449,000 | 8,102 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $75,000 | 7,410 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 5,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,000 | 8,267 |
| Total noninterest expense | $294,000 | 8,393 |
| Salaries and employee benefits | $158,000 | 8,417 |
| Premises and equipment expense | $39,000 | 8,105 |
| Additional noninterest expense | $97,000 | 8,195 |
| Pre-tax net operating income | $224,000 | 6,913 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $81,000 | 4,767 |
| Income before extraordinary items | $143,000 | 7,210 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $143,000 | 7,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,553 |
| Cash dividends | $130,000 | 4,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $143,000 | 7,226 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $451,000 | 7,777 |
| Total interest expense | $230,000 | 6,951 |
| Net interest income | $221,000 | 8,146 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $30,000 | 7,673 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $27,000 | 6,103 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $140,000 | 8,453 |
| Salaries and employee benefits | $76,000 | 8,460 |
| Premises and equipment expense | $19,000 | 8,122 |
| Additional noninterest expense | $45,000 | 8,278 |
| Pre-tax net operating income | $108,000 | 6,955 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $39,000 | 4,751 |
| Income before extraordinary items | $69,000 | 7,208 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $69,000 | 7,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,562 |
| Cash dividends | $60,000 | 3,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $69,000 | 7,213 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,645,000 | 7,765 |
| Total interest expense | $795,000 | 6,801 |
| Net interest income | $850,000 | 8,156 |
| Provision for loan and lease losses | $12,000 | 6,720 |
| Total noninterest income | $109,000 | 7,851 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $89,000 | 6,442 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $20,000 | 8,136 |
| Total noninterest expense | $530,000 | 8,520 |
| Salaries and employee benefits | $285,000 | 8,518 |
| Premises and equipment expense | $72,000 | 8,203 |
| Additional noninterest expense | $173,000 | 8,381 |
| Pre-tax net operating income | $417,000 | 7,012 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $148,000 | 5,008 |
| Income before extraordinary items | $267,000 | 7,315 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $267,000 | 7,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $268,280 | 7,294 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 7,807 |
| Total interest expense | $578,000 | 6,795 |
| Net interest income | $633,000 | 8,201 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $76,000 | 7,967 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $61,000 | 6,602 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,169 |
| Total noninterest expense | $394,000 | 8,524 |
| Salaries and employee benefits | $212,000 | 8,522 |
| Premises and equipment expense | $54,000 | 8,212 |
| Additional noninterest expense | $128,000 | 8,382 |
| Pre-tax net operating income | $306,000 | 7,179 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $108,000 | 5,164 |
| Income before extraordinary items | $197,000 | 7,463 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $197,000 | 7,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,184 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $197,650 | 7,433 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $789,000 | 7,833 |
| Total interest expense | $372,000 | 6,767 |
| Net interest income | $417,000 | 8,231 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $48,000 | 8,009 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $38,000 | 6,682 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,000 | 8,146 |
| Total noninterest expense | $258,000 | 8,538 |
| Salaries and employee benefits | $139,000 | 8,552 |
| Premises and equipment expense | $37,000 | 8,199 |
| Additional noninterest expense | $82,000 | 8,418 |
| Pre-tax net operating income | $201,000 | 7,217 |
| Securities gains (losses) | $-1,000 | 7,609 |
| Applicable income taxes | $71,000 | 5,202 |
| Income before extraordinary items | $129,000 | 7,512 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $129,000 | 7,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $129,640 | 7,468 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $388,000 | 7,907 |
| Total interest expense | $181,000 | 6,779 |
| Net interest income | $207,000 | 8,311 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $22,000 | 8,118 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $129,000 | 8,608 |
| Salaries and employee benefits | $68,000 | 8,634 |
| Premises and equipment expense | $18,000 | 8,281 |
| Additional noninterest expense | $43,000 | 8,438 |
| Pre-tax net operating income | $97,000 | 7,270 |
| Securities gains (losses) | $-1,000 | 8,158 |
| Applicable income taxes | $34,000 | 5,190 |
| Income before extraordinary items | $62,000 | 7,556 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $62,000 | 7,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $62,650 | 7,528 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,444,000 | 7,969 |
| Total interest expense | $680,000 | 6,660 |
| Net interest income | $764,000 | 8,353 |
| Provision for loan and lease losses | $88,000 | 5,225 |
| Total noninterest income | $47,000 | 8,607 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $67,000 | 7,004 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-20,000 | 8,937 |
| Total noninterest expense | $528,000 | 8,639 |
| Salaries and employee benefits | $270,000 | 8,674 |
| Premises and equipment expense | $63,000 | 8,443 |
| Additional noninterest expense | $195,000 | 8,336 |
| Pre-tax net operating income | $195,000 | 7,800 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $65,000 | 5,865 |
| Income before extraordinary items | $130,000 | 7,970 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $130,000 | 7,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,793 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $130,000 | 7,924 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,067,000 | 8,023 |
| Total interest expense | $509,000 | 6,660 |
| Net interest income | $558,000 | 8,415 |
| Provision for loan and lease losses | $126,000 | 3,901 |
| Total noninterest income | $56,000 | 8,400 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $47,000 | 7,129 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 8,509 |
| Total noninterest expense | $388,000 | 8,662 |
| Salaries and employee benefits | $201,000 | 8,702 |
| Premises and equipment expense | $47,000 | 8,449 |
| Additional noninterest expense | $140,000 | 8,389 |
| Pre-tax net operating income | $100,000 | 8,122 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $31,000 | 6,269 |
| Income before extraordinary items | $69,000 | 8,225 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $69,000 | 8,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,186 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $69,000 | 8,186 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $699,000 | 8,107 |
| Total interest expense | $340,000 | 6,681 |
| Net interest income | $359,000 | 8,504 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $35,000 | 8,502 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $29,000 | 7,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,000 | 8,561 |
| Total noninterest expense | $261,000 | 8,713 |
| Salaries and employee benefits | $134,000 | 8,763 |
| Premises and equipment expense | $31,000 | 8,504 |
| Additional noninterest expense | $96,000 | 8,397 |
| Pre-tax net operating income | $8,000 | 8,476 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-1,000 | 8,710 |
| Income before extraordinary items | $9,000 | 8,515 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $9,000 | 8,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,563 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $9,000 | 8,460 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $350,000 | 8,135 |
| Total interest expense | $171,000 | 6,735 |
| Net interest income | $179,000 | 8,542 |
| Provision for loan and lease losses | $123,000 | 1,774 |
| Total noninterest income | $17,000 | 8,538 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $15,000 | 7,174 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $132,000 | 8,731 |
| Salaries and employee benefits | $67,000 | 8,808 |
| Premises and equipment expense | $15,000 | 8,548 |
| Additional noninterest expense | $50,000 | 8,398 |
| Pre-tax net operating income | $-59,000 | 8,743 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-24,000 | 8,915 |
| Income before extraordinary items | $-35,000 | 8,735 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-35,000 | 8,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,364 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-35,000 | 8,694 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,410,000 | 8,164 |
| Total interest expense | $692,000 | 7,069 |
| Net interest income | $718,000 | 8,531 |
| Provision for loan and lease losses | $17,000 | 7,172 |
| Total noninterest income | $77,000 | 8,536 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $67,000 | 7,147 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $10,000 | 8,762 |
| Total noninterest expense | $505,000 | 8,833 |
| Salaries and employee benefits | $256,000 | 8,888 |
| Premises and equipment expense | $72,000 | 8,459 |
| Additional noninterest expense | $177,000 | 8,588 |
| Pre-tax net operating income | $273,000 | 7,538 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $96,000 | 5,763 |
| Income before extraordinary items | $177,000 | 7,876 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $177,000 | 7,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,961 |
| Cash dividends | $100,000 | 5,525 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $177,000 | 7,745 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,062,000 | 8,240 |
| Total interest expense | $522,000 | 7,204 |
| Net interest income | $540,000 | 8,599 |
| Provision for loan and lease losses | $14,000 | 7,000 |
| Total noninterest income | $56,000 | 8,631 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $50,000 | 7,213 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,000 | 8,884 |
| Total noninterest expense | $374,000 | 8,873 |
| Salaries and employee benefits | $193,000 | 8,913 |
| Premises and equipment expense | $51,000 | 8,542 |
| Additional noninterest expense | $130,000 | 8,631 |
| Pre-tax net operating income | $208,000 | 7,684 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $73,000 | 5,891 |
| Income before extraordinary items | $135,000 | 8,006 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $135,000 | 8,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $100,000 | 4,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $135,000 | 7,866 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $715,000 | 8,281 |
| Total interest expense | $351,000 | 7,318 |
| Net interest income | $364,000 | 8,623 |
| Provision for loan and lease losses | $11,000 | 6,777 |
| Total noninterest income | $34,000 | 8,713 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $31,000 | 7,289 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $245,000 | 8,903 |
| Salaries and employee benefits | $127,000 | 8,954 |
| Premises and equipment expense | $33,000 | 8,592 |
| Additional noninterest expense | $85,000 | 8,662 |
| Pre-tax net operating income | $142,000 | 7,660 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $50,000 | 5,908 |
| Income before extraordinary items | $92,000 | 8,035 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $92,000 | 8,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $50,000 | 4,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $92,000 | 7,871 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $361,000 | 8,336 |
| Total interest expense | $175,000 | 7,425 |
| Net interest income | $186,000 | 8,656 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $16,000 | 8,775 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $122,000 | 8,954 |
| Salaries and employee benefits | $62,000 | 9,004 |
| Premises and equipment expense | $17,000 | 8,567 |
| Additional noninterest expense | $43,000 | 8,690 |
| Pre-tax net operating income | $74,000 | 7,624 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $26,000 | 5,851 |
| Income before extraordinary items | $48,000 | 7,946 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $48,000 | 7,945 |
| 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 | $0 | 419 |
| Net operating income | $48,000 | 7,795 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 8,411 |
| Total interest expense | $768,000 | 7,614 |
| Net interest income | $708,000 | 8,731 |
| Provision for loan and lease losses | $69,000 | 6,326 |
| Total noninterest income | $64,000 | 8,822 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $57,000 | 7,406 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 9,001 |
| Total noninterest expense | $497,000 | 8,995 |
| Salaries and employee benefits | $252,000 | 9,049 |
| Premises and equipment expense | $76,000 | 8,504 |
| Additional noninterest expense | $169,000 | 8,759 |
| Pre-tax net operating income | $206,000 | 7,900 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $71,000 | 6,269 |
| Income before extraordinary items | $135,000 | 8,167 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $135,000 | 8,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,634 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $135,000 | 8,064 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,446,000 | 8,779 |
| Total interest expense | $834,000 | 8,366 |
| Net interest income | $612,000 | 9,019 |
| Provision for loan and lease losses | $63,000 | 6,312 |
| Total noninterest income | $68,000 | 8,936 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $59,000 | 7,414 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $9,000 | 9,168 |
| Total noninterest expense | $444,000 | 9,284 |
| Salaries and employee benefits | $209,000 | 9,378 |
| Premises and equipment expense | $83,000 | 8,575 |
| Additional noninterest expense | $152,000 | 9,041 |
| Pre-tax net operating income | $173,000 | 8,006 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $60,000 | 6,535 |
| Income before extraordinary items | $113,000 | 8,254 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $113,000 | 8,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,258 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $113,000 | 8,148 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,274,000 | 9,179 |
| Total interest expense | $714,000 | 8,834 |
| Net interest income | $560,000 | 9,348 |
| Provision for loan and lease losses | $138,000 | 4,577 |
| Total noninterest income | $66,000 | 9,090 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 7,570 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 9,226 |
| Total noninterest expense | $447,000 | 9,496 |
| Salaries and employee benefits | $219,000 | 9,570 |
| Premises and equipment expense | $86,000 | 8,685 |
| Additional noninterest expense | $142,000 | 9,305 |
| Pre-tax net operating income | $41,000 | 8,988 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $10,000 | 8,067 |
| Income before extraordinary items | $31,000 | 9,023 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $31,000 | 9,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,120 |
| Cash dividends | $50,000 | 6,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $31,000 | 9,007 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,054,000 | 9,562 |
| Total interest expense | $545,000 | 9,341 |
| Net interest income | $509,000 | 9,669 |
| Provision for loan and lease losses | $21,000 | 7,629 |
| Total noninterest income | $39,000 | 9,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 8,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 9,823 |
| Total noninterest expense | $433,000 | 9,784 |
| Salaries and employee benefits | $210,000 | 9,879 |
| Premises and equipment expense | $94,000 | 8,748 |
| Additional noninterest expense | $129,000 | 9,713 |
| Pre-tax net operating income | $94,000 | 9,100 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $31,000 | 7,987 |
| Income before extraordinary items | $63,000 | 9,180 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $63,000 | 9,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $130,000 | 5,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $63,000 | 9,149 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $772,000 | 10,045 |
| Total interest expense | $396,000 | 9,897 |
| Net interest income | $376,000 | 10,107 |
| Provision for loan and lease losses | $11,000 | 8,185 |
| Total noninterest income | $25,000 | 10,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 8,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 10,104 |
| Total noninterest expense | $375,000 | 10,117 |
| Salaries and employee benefits | $175,000 | 10,203 |
| Premises and equipment expense | $100,000 | 8,699 |
| Additional noninterest expense | $100,000 | 10,125 |
| Pre-tax net operating income | $15,000 | 9,740 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $6,000 | 9,185 |
| Income before extraordinary items | $9,000 | 9,801 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $9,000 | 9,798 |
| 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 | $0 | 1,027 |
| Net operating income | $9,000 | 9,749 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $387,000 | 10,758 |
| Total interest expense | $163,000 | 10,710 |
| Net interest income | $224,000 | 10,761 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $20,000 | 10,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 9,325 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 10,305 |
| Total noninterest expense | $370,000 | 10,553 |
| Salaries and employee benefits | $147,000 | 10,730 |
| Premises and equipment expense | $112,000 | 8,682 |
| Additional noninterest expense | $111,000 | 10,436 |
| Pre-tax net operating income | $-151,000 | 10,532 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-56,000 | 10,645 |
| Income before extraordinary items | $-95,000 | 10,515 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-95,000 | 10,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-95,000 | 10,483 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $44,000 | 11,438 |
| Total interest expense | $10,000 | 11,412 |
| Net interest income | $34,000 | 11,435 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $3,000 | 11,374 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,319 |
| Total noninterest expense | $141,000 | 11,414 |
| Salaries and employee benefits | $49,000 | 11,416 |
| Premises and equipment expense | $28,000 | 11,176 |
| Additional noninterest expense | $64,000 | 11,335 |
| Pre-tax net operating income | $-104,000 | 10,961 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-36,000 | 11,043 |
| Income before extraordinary items | $-68,000 | 10,952 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-68,000 | 10,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 295 |
| Net operating income | $-68,000 | 10,908 |
* 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.