Home > West Pointe Bank and Trust Company > Income and Expense
West Pointe Bank and Trust Company, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,544,000 | 1,547 |
| Total interest expense | $5,700,000 | 1,364 |
| Net interest income | $6,844,000 | 1,693 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,715,000 | 1,458 |
| Gross Fiduciary activities income | $302,000 | 549 |
| Service charges on deposit accounts | $634,000 | 1,398 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $779,000 | 1,625 |
| Total noninterest expense | $6,288,000 | 1,438 |
| Salaries and employee benefits | $3,417,000 | 1,447 |
| Premises and equipment expense | $797,000 | 1,622 |
| Additional noninterest expense | $2,074,000 | 1,293 |
| Pre-tax net operating income | $2,271,000 | 2,107 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $457,000 | 2,434 |
| Income before extraordinary items | $1,814,000 | 1,998 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,814,000 | 2,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,631 |
| Cash dividends | $729,000 | 1,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,814,000 | 1,986 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,177,000 | 1,537 |
| Total interest expense | $2,781,000 | 1,335 |
| Net interest income | $3,396,000 | 1,701 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $810,000 | 1,495 |
| Gross Fiduciary activities income | $158,000 | 543 |
| Service charges on deposit accounts | $320,000 | 1,348 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $332,000 | 1,793 |
| Total noninterest expense | $3,116,000 | 1,450 |
| Salaries and employee benefits | $1,722,000 | 1,444 |
| Premises and equipment expense | $395,000 | 1,642 |
| Additional noninterest expense | $999,000 | 1,321 |
| Pre-tax net operating income | $1,090,000 | 2,133 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $211,000 | 2,537 |
| Income before extraordinary items | $879,000 | 2,012 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $879,000 | 2,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 1,214 |
| Cash dividends | $334,000 | 1,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $879,000 | 1,997 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,519,000 | 1,479 |
| Total interest expense | $8,752,000 | 1,303 |
| Net interest income | $13,767,000 | 1,597 |
| Provision for loan and lease losses | $2,000 | 7,079 |
| Total noninterest income | $3,924,000 | 1,303 |
| Gross Fiduciary activities income | $695,000 | 492 |
| Service charges on deposit accounts | $1,384,000 | 1,285 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,845,000 | 1,434 |
| Total noninterest expense | $12,815,000 | 1,348 |
| Salaries and employee benefits | $6,955,000 | 1,338 |
| Premises and equipment expense | $1,538,000 | 1,586 |
| Additional noninterest expense | $4,322,000 | 1,196 |
| Pre-tax net operating income | $4,874,000 | 1,908 |
| Securities gains (losses) | $379,000 | 344 |
| Applicable income taxes | $1,351,000 | 1,836 |
| Income before extraordinary items | $3,902,000 | 1,771 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,902,000 | 1,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $693,000 | 899 |
| Cash dividends | $1,105,000 | 2,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,621,540 | 1,873 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,283,000 | 1,494 |
| Total interest expense | $6,176,000 | 1,294 |
| Net interest income | $10,107,000 | 1,611 |
| Provision for loan and lease losses | $2,000 | 6,852 |
| Total noninterest income | $3,123,000 | 1,247 |
| Gross Fiduciary activities income | $501,000 | 495 |
| Service charges on deposit accounts | $1,040,000 | 1,264 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,582,000 | 1,308 |
| Total noninterest expense | $9,677,000 | 1,328 |
| Salaries and employee benefits | $5,179,000 | 1,331 |
| Premises and equipment expense | $1,156,000 | 1,568 |
| Additional noninterest expense | $3,342,000 | 1,127 |
| Pre-tax net operating income | $3,551,000 | 1,963 |
| Securities gains (losses) | $379,000 | 323 |
| Applicable income taxes | $985,000 | 1,902 |
| Income before extraordinary items | $2,945,000 | 1,779 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,945,000 | 1,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 845 |
| Cash dividends | $805,000 | 2,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,660,750 | 1,932 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,605,000 | 1,487 |
| Total interest expense | $3,887,000 | 1,299 |
| Net interest income | $6,718,000 | 1,596 |
| Provision for loan and lease losses | $2,000 | 6,551 |
| Total noninterest income | $1,872,000 | 1,337 |
| Gross Fiduciary activities income | $332,000 | 497 |
| Service charges on deposit accounts | $692,000 | 1,229 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $848,000 | 1,512 |
| Total noninterest expense | $6,356,000 | 1,337 |
| Salaries and employee benefits | $3,424,000 | 1,338 |
| Premises and equipment expense | $751,000 | 1,606 |
| Additional noninterest expense | $2,181,000 | 1,141 |
| Pre-tax net operating income | $2,232,000 | 2,003 |
| Securities gains (losses) | $379,000 | 273 |
| Applicable income taxes | $649,000 | 1,892 |
| Income before extraordinary items | $1,962,000 | 1,742 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,962,000 | 1,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 1,780 |
| Cash dividends | $517,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,677,750 | 1,985 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,206,000 | 1,485 |
| Total interest expense | $1,867,000 | 1,272 |
| Net interest income | $3,339,000 | 1,603 |
| Provision for loan and lease losses | $-45,000 | 8,796 |
| Total noninterest income | $823,000 | 1,459 |
| Gross Fiduciary activities income | $170,000 | 499 |
| Service charges on deposit accounts | $327,000 | 1,253 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $326,000 | 1,796 |
| Total noninterest expense | $3,162,000 | 1,351 |
| Salaries and employee benefits | $1,685,000 | 1,375 |
| Premises and equipment expense | $370,000 | 1,638 |
| Additional noninterest expense | $1,107,000 | 1,113 |
| Pre-tax net operating income | $1,045,000 | 2,085 |
| Securities gains (losses) | $211,000 | 242 |
| Applicable income taxes | $302,000 | 1,969 |
| Income before extraordinary items | $954,000 | 1,768 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $954,000 | 1,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,351 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $793,640 | 2,060 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,083,000 | 1,430 |
| Total interest expense | $6,486,000 | 1,263 |
| Net interest income | $13,597,000 | 1,486 |
| Provision for loan and lease losses | $658,000 | 1,533 |
| Total noninterest income | $4,075,000 | 1,261 |
| Gross Fiduciary activities income | $678,000 | 466 |
| Service charges on deposit accounts | $1,531,000 | 1,173 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,866,000 | 1,392 |
| Total noninterest expense | $12,398,000 | 1,326 |
| Salaries and employee benefits | $6,672,000 | 1,315 |
| Premises and equipment expense | $1,533,000 | 1,514 |
| Additional noninterest expense | $4,193,000 | 1,174 |
| Pre-tax net operating income | $4,616,000 | 1,821 |
| Securities gains (losses) | $314,000 | 617 |
| Applicable income taxes | $1,225,000 | 1,872 |
| Income before extraordinary items | $3,705,000 | 1,726 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,705,000 | 1,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $662,000 | 1,070 |
| Cash dividends | $882,000 | 2,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,469,500 | 1,784 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,931,000 | 1,429 |
| Total interest expense | $4,714,000 | 1,278 |
| Net interest income | $10,217,000 | 1,474 |
| Provision for loan and lease losses | $658,000 | 1,151 |
| Total noninterest income | $3,011,000 | 1,304 |
| Gross Fiduciary activities income | $503,000 | 471 |
| Service charges on deposit accounts | $1,155,000 | 1,154 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,353,000 | 1,438 |
| Total noninterest expense | $9,502,000 | 1,296 |
| Salaries and employee benefits | $5,132,000 | 1,286 |
| Premises and equipment expense | $1,151,000 | 1,505 |
| Additional noninterest expense | $3,219,000 | 1,143 |
| Pre-tax net operating income | $3,068,000 | 2,042 |
| Securities gains (losses) | $314,000 | 574 |
| Applicable income taxes | $810,000 | 2,085 |
| Income before extraordinary items | $2,572,000 | 1,856 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,572,000 | 1,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $403,000 | 1,153 |
| Cash dividends | $703,000 | 2,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,333,360 | 1,958 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,873,000 | 1,423 |
| Total interest expense | $3,072,000 | 1,284 |
| Net interest income | $6,801,000 | 1,469 |
| Provision for loan and lease losses | $598,000 | 861 |
| Total noninterest income | $1,986,000 | 1,299 |
| Gross Fiduciary activities income | $351,000 | 457 |
| Service charges on deposit accounts | $742,000 | 1,192 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $893,000 | 1,439 |
| Total noninterest expense | $6,266,000 | 1,305 |
| Salaries and employee benefits | $3,452,000 | 1,265 |
| Premises and equipment expense | $735,000 | 1,574 |
| Additional noninterest expense | $2,079,000 | 1,169 |
| Pre-tax net operating income | $1,923,000 | 2,111 |
| Securities gains (losses) | $314,000 | 467 |
| Applicable income taxes | $523,000 | 2,128 |
| Income before extraordinary items | $1,714,000 | 1,839 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,714,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $335,000 | 966 |
| Cash dividends | $460,000 | 2,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,472,220 | 2,044 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,973,000 | 1,407 |
| Total interest expense | $1,544,000 | 1,288 |
| Net interest income | $3,429,000 | 1,451 |
| Provision for loan and lease losses | $180,000 | 1,248 |
| Total noninterest income | $942,000 | 1,310 |
| Gross Fiduciary activities income | $167,000 | 482 |
| Service charges on deposit accounts | $356,000 | 1,197 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $419,000 | 1,486 |
| Total noninterest expense | $3,154,000 | 1,300 |
| Salaries and employee benefits | $1,720,000 | 1,287 |
| Premises and equipment expense | $349,000 | 1,683 |
| Additional noninterest expense | $1,085,000 | 1,123 |
| Pre-tax net operating income | $1,037,000 | 1,940 |
| Securities gains (losses) | $148,000 | 625 |
| Applicable income taxes | $286,000 | 1,998 |
| Income before extraordinary items | $899,000 | 1,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $899,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 565 |
| Cash dividends | $225,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $786,520 | 1,897 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,580,000 | 1,391 |
| Total interest expense | $7,114,000 | 1,243 |
| Net interest income | $13,466,000 | 1,439 |
| Provision for loan and lease losses | $1,213,000 | 971 |
| Total noninterest income | $4,343,000 | 1,257 |
| Gross Fiduciary activities income | $698,000 | 458 |
| Service charges on deposit accounts | $1,331,000 | 1,305 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,314,000 | 1,313 |
| Total noninterest expense | $12,459,000 | 1,303 |
| Salaries and employee benefits | $6,516,000 | 1,321 |
| Premises and equipment expense | $1,410,000 | 1,616 |
| Additional noninterest expense | $4,533,000 | 1,120 |
| Pre-tax net operating income | $4,137,000 | 1,932 |
| Securities gains (losses) | $629,000 | 654 |
| Applicable income taxes | $1,164,000 | 1,971 |
| Income before extraordinary items | $3,602,000 | 1,728 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,602,000 | 1,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $925,000 | 982 |
| Cash dividends | $882,000 | 2,535 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,123,960 | 1,879 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,421,000 | 1,420 |
| Total interest expense | $5,513,000 | 1,260 |
| Net interest income | $9,908,000 | 1,484 |
| Provision for loan and lease losses | $850,000 | 1,033 |
| Total noninterest income | $3,407,000 | 1,249 |
| Gross Fiduciary activities income | $514,000 | 469 |
| Service charges on deposit accounts | $999,000 | 1,310 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,894,000 | 1,283 |
| Total noninterest expense | $9,296,000 | 1,317 |
| Salaries and employee benefits | $4,866,000 | 1,347 |
| Premises and equipment expense | $1,029,000 | 1,667 |
| Additional noninterest expense | $3,401,000 | 1,120 |
| Pre-tax net operating income | $3,169,000 | 1,954 |
| Securities gains (losses) | $461,000 | 724 |
| Applicable income taxes | $899,000 | 2,024 |
| Income before extraordinary items | $2,731,000 | 1,762 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,731,000 | 1,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $871,000 | 758 |
| Cash dividends | $657,000 | 2,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,385,250 | 1,908 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,481,000 | 1,394 |
| Total interest expense | $3,832,000 | 1,251 |
| Net interest income | $6,649,000 | 1,474 |
| Provision for loan and lease losses | $690,000 | 890 |
| Total noninterest income | $2,299,000 | 1,228 |
| Gross Fiduciary activities income | $349,000 | 472 |
| Service charges on deposit accounts | $668,000 | 1,289 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,282,000 | 1,267 |
| Total noninterest expense | $6,143,000 | 1,326 |
| Salaries and employee benefits | $3,223,000 | 1,353 |
| Premises and equipment expense | $663,000 | 1,711 |
| Additional noninterest expense | $2,257,000 | 1,121 |
| Pre-tax net operating income | $2,115,000 | 1,942 |
| Securities gains (losses) | $461,000 | 608 |
| Applicable income taxes | $650,000 | 1,929 |
| Income before extraordinary items | $1,926,000 | 1,685 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,926,000 | 1,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,227 |
| Cash dividends | $432,000 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,580,250 | 1,903 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,277,000 | 1,398 |
| Total interest expense | $1,960,000 | 1,246 |
| Net interest income | $3,317,000 | 1,465 |
| Provision for loan and lease losses | $495,000 | 623 |
| Total noninterest income | $1,138,000 | 1,210 |
| Gross Fiduciary activities income | $177,000 | 472 |
| Service charges on deposit accounts | $338,000 | 1,233 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $623,000 | 1,257 |
| Total noninterest expense | $3,076,000 | 1,316 |
| Salaries and employee benefits | $1,624,000 | 1,337 |
| Premises and equipment expense | $347,000 | 1,653 |
| Additional noninterest expense | $1,105,000 | 1,119 |
| Pre-tax net operating income | $884,000 | 2,274 |
| Securities gains (losses) | $333,000 | 477 |
| Applicable income taxes | $300,000 | 2,054 |
| Income before extraordinary items | $917,000 | 1,737 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $917,000 | 1,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,442 |
| Cash dividends | $206,000 | 2,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $667,250 | 2,173 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,055,000 | 1,389 |
| Total interest expense | $9,100,000 | 1,235 |
| Net interest income | $12,955,000 | 1,498 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $3,829,000 | 1,294 |
| Gross Fiduciary activities income | $606,000 | 512 |
| Service charges on deposit accounts | $1,403,000 | 1,148 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,820,000 | 1,422 |
| Total noninterest expense | $11,122,000 | 1,389 |
| Salaries and employee benefits | $5,651,000 | 1,443 |
| Premises and equipment expense | $1,366,000 | 1,614 |
| Additional noninterest expense | $4,105,000 | 1,188 |
| Pre-tax net operating income | $5,062,000 | 1,612 |
| Securities gains (losses) | $340,000 | 823 |
| Applicable income taxes | $1,513,000 | 1,640 |
| Income before extraordinary items | $3,889,000 | 1,563 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,889,000 | 1,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $415,000 | 1,889 |
| Cash dividends | $801,000 | 2,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,644,200 | 1,592 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,988,000 | 1,419 |
| Total interest expense | $13,539,000 | 1,187 |
| Net interest income | $10,449,000 | 1,715 |
| Provision for loan and lease losses | $630,000 | 1,822 |
| Total noninterest income | $3,321,000 | 1,367 |
| Gross Fiduciary activities income | $557,000 | 560 |
| Service charges on deposit accounts | $1,289,000 | 1,148 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,475,000 | 1,540 |
| Total noninterest expense | $9,661,000 | 1,516 |
| Salaries and employee benefits | $5,023,000 | 1,505 |
| Premises and equipment expense | $1,297,000 | 1,665 |
| Additional noninterest expense | $3,341,000 | 1,399 |
| Pre-tax net operating income | $3,479,000 | 1,985 |
| Securities gains (losses) | $390,000 | 736 |
| Applicable income taxes | $1,005,000 | 2,058 |
| Income before extraordinary items | $2,864,000 | 1,833 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,864,000 | 1,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 3,091 |
| Cash dividends | $656,000 | 2,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,575,400 | 1,950 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,545,000 | 1,472 |
| Total interest expense | $14,659,000 | 1,184 |
| Net interest income | $8,886,000 | 1,989 |
| Provision for loan and lease losses | $1,321,000 | 844 |
| Total noninterest income | $2,297,000 | 1,693 |
| Gross Fiduciary activities income | $419,000 | 652 |
| Service charges on deposit accounts | $998,000 | 1,367 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $880,000 | 2,020 |
| Total noninterest expense | $8,126,000 | 1,706 |
| Salaries and employee benefits | $4,095,000 | 1,755 |
| Premises and equipment expense | $1,051,000 | 1,976 |
| Additional noninterest expense | $2,980,000 | 1,504 |
| Pre-tax net operating income | $1,736,000 | 3,653 |
| Securities gains (losses) | $32,000 | 827 |
| Applicable income taxes | $30,000 | 7,623 |
| Income before extraordinary items | $1,738,000 | 2,877 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,738,000 | 2,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,238,000 | 646 |
| Cash dividends | $692,000 | 2,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,706,640 | 2,911 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,220,000 | 1,688 |
| Total interest expense | $10,876,000 | 1,377 |
| Net interest income | $8,344,000 | 2,111 |
| Provision for loan and lease losses | $1,018,000 | 955 |
| Total noninterest income | $1,984,000 | 1,868 |
| Gross Fiduciary activities income | $333,000 | 754 |
| Service charges on deposit accounts | $819,000 | 1,622 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $832,000 | 2,102 |
| Total noninterest expense | $6,807,000 | 2,004 |
| Salaries and employee benefits | $3,509,000 | 2,000 |
| Premises and equipment expense | $776,000 | 2,611 |
| Additional noninterest expense | $2,522,000 | 1,756 |
| Pre-tax net operating income | $2,503,000 | 2,794 |
| Securities gains (losses) | $26,000 | 1,258 |
| Applicable income taxes | $387,000 | 4,254 |
| Income before extraordinary items | $2,142,000 | 2,436 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,142,000 | 2,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $673,000 | 963 |
| Cash dividends | $310,000 | 4,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,119,900 | 2,413 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,642,000 | 2,088 |
| Total interest expense | $8,797,000 | 1,742 |
| Net interest income | $6,845,000 | 2,476 |
| Provision for loan and lease losses | $647,000 | 1,405 |
| Total noninterest income | $1,550,000 | 2,216 |
| Gross Fiduciary activities income | $209,000 | 858 |
| Service charges on deposit accounts | $627,000 | 2,045 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $714,000 | 2,346 |
| Total noninterest expense | $5,685,000 | 2,303 |
| Salaries and employee benefits | $2,930,000 | 2,298 |
| Premises and equipment expense | $686,000 | 2,818 |
| Additional noninterest expense | $2,069,000 | 2,060 |
| Pre-tax net operating income | $2,063,000 | 3,262 |
| Securities gains (losses) | $181,000 | 966 |
| Applicable income taxes | $515,000 | 3,762 |
| Income before extraordinary items | $1,729,000 | 2,888 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,729,000 | 2,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 1,952 |
| Cash dividends | $265,000 | 4,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,589,630 | 3,016 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,619,000 | 2,822 |
| Total interest expense | $6,026,000 | 2,484 |
| Net interest income | $5,593,000 | 3,125 |
| Provision for loan and lease losses | $509,000 | 1,744 |
| Total noninterest income | $1,279,000 | 2,487 |
| Gross Fiduciary activities income | $151,000 | 967 |
| Service charges on deposit accounts | $543,000 | 2,427 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $585,000 | 2,529 |
| Total noninterest expense | $4,715,000 | 2,720 |
| Salaries and employee benefits | $2,411,000 | 2,742 |
| Premises and equipment expense | $521,000 | 3,577 |
| Additional noninterest expense | $1,783,000 | 2,327 |
| Pre-tax net operating income | $1,648,000 | 4,136 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $506,000 | 4,182 |
| Income before extraordinary items | $1,147,000 | 4,210 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,147,000 | 4,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,148 |
| Cash dividends | $207,000 | 5,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,143,550 | 4,163 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,491,000 | 3,819 |
| Total interest expense | $4,563,000 | 3,281 |
| Net interest income | $3,928,000 | 4,400 |
| Provision for loan and lease losses | $209,000 | 3,327 |
| Total noninterest income | $1,118,000 | 2,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $463,000 | 2,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $655,000 | 2,422 |
| Total noninterest expense | $3,585,000 | 3,698 |
| Salaries and employee benefits | $1,843,000 | 3,597 |
| Premises and equipment expense | $349,000 | 5,021 |
| Additional noninterest expense | $1,393,000 | 3,322 |
| Pre-tax net operating income | $1,252,000 | 4,974 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $357,000 | 5,258 |
| Income before extraordinary items | $911,000 | 4,836 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $911,000 | 4,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,212 |
| Cash dividends | $196,000 | 5,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $899,480 | 4,820 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,787,000 | 4,689 |
| Total interest expense | $3,454,000 | 4,210 |
| Net interest income | $3,333,000 | 5,060 |
| Provision for loan and lease losses | $112,000 | 4,360 |
| Total noninterest income | $754,000 | 3,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 4,115 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $438,000 | 3,132 |
| Total noninterest expense | $2,940,000 | 4,370 |
| Salaries and employee benefits | $1,520,000 | 4,234 |
| Premises and equipment expense | $317,000 | 5,400 |
| Additional noninterest expense | $1,103,000 | 4,017 |
| Pre-tax net operating income | $1,035,000 | 5,849 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $324,000 | 5,734 |
| Income before extraordinary items | $716,000 | 5,885 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $716,000 | 5,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,829 |
| Cash dividends | $196,000 | 5,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $712,550 | 5,894 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,367,000 | 5,343 |
| Total interest expense | $2,449,000 | 4,731 |
| Net interest income | $2,918,000 | 5,713 |
| Provision for loan and lease losses | $154,000 | 3,551 |
| Total noninterest income | $505,000 | 5,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,273 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $270,000 | 4,385 |
| Total noninterest expense | $2,349,000 | 5,451 |
| Salaries and employee benefits | $1,235,000 | 5,114 |
| Premises and equipment expense | $220,000 | 7,054 |
| Additional noninterest expense | $894,000 | 5,195 |
| Pre-tax net operating income | $920,000 | 6,301 |
| Securities gains (losses) | $28,000 | 1,509 |
| Applicable income taxes | $303,000 | 5,839 |
| Income before extraordinary items | $645,000 | 6,256 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $645,000 | 6,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,921 |
| Cash dividends | $196,000 | 5,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $625,960 | 6,437 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,244,000 | 6,585 |
| Total interest expense | $1,912,000 | 6,063 |
| Net interest income | $2,332,000 | 6,868 |
| Provision for loan and lease losses | $93,000 | 5,955 |
| Total noninterest income | $471,000 | 5,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $170,000 | 6,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $301,000 | 4,455 |
| Total noninterest expense | $1,876,000 | 6,687 |
| Salaries and employee benefits | $938,000 | 6,489 |
| Premises and equipment expense | $162,000 | 8,585 |
| Additional noninterest expense | $776,000 | 6,074 |
| Pre-tax net operating income | $834,000 | 6,650 |
| Securities gains (losses) | $112,000 | 2,338 |
| Applicable income taxes | $296,000 | 6,131 |
| Income before extraordinary items | $650,000 | 6,427 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $650,000 | 6,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $543,000 | 581 |
| Net operating income | $572,720 | 6,728 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,298,000 | 8,475 |
| Total interest expense | $1,631,000 | 8,103 |
| Net interest income | $1,667,000 | 8,753 |
| Provision for loan and lease losses | $127,000 | 6,563 |
| Total noninterest income | $232,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,760 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 7,891 |
| Total noninterest expense | $1,424,000 | 8,194 |
| Salaries and employee benefits | $700,000 | 7,978 |
| Premises and equipment expense | $137,000 | 9,478 |
| Additional noninterest expense | $587,000 | 7,628 |
| Pre-tax net operating income | $348,000 | 9,708 |
| Securities gains (losses) | $41,000 | 4,460 |
| Applicable income taxes | $69,000 | 10,752 |
| Income before extraordinary items | $320,000 | 9,041 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $320,000 | 9,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,548,000 | 347 |
| Net operating income | $286,380 | 9,094 |
* 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.