Home > Western National Bank > Income and Expense
Western National Bank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,527,000 | 7,119 |
| Total interest expense | $1,076,000 | 6,789 |
| Net interest income | $1,451,000 | 7,241 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $119,000 | 7,577 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $43,000 | 6,993 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $76,000 | 6,753 |
| Total noninterest expense | $1,503,000 | 6,893 |
| Salaries and employee benefits | $866,000 | 6,761 |
| Premises and equipment expense | $206,000 | 6,668 |
| Additional noninterest expense | $431,000 | 6,912 |
| Pre-tax net operating income | $67,000 | 7,799 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $11,000 | 6,128 |
| Income before extraordinary items | $56,000 | 7,832 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $56,000 | 7,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,270 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $56,000 | 7,825 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,836,000 | 7,222 |
| Total interest expense | $779,000 | 6,835 |
| Net interest income | $1,057,000 | 7,359 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $93,000 | 7,605 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $34,000 | 7,042 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $59,000 | 6,707 |
| Total noninterest expense | $1,132,000 | 6,885 |
| Salaries and employee benefits | $649,000 | 6,750 |
| Premises and equipment expense | $153,000 | 6,716 |
| Additional noninterest expense | $330,000 | 6,877 |
| Pre-tax net operating income | $18,000 | 8,055 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $18,000 | 8,072 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $18,000 | 8,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $18,000 | 8,062 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,192,000 | 7,284 |
| Total interest expense | $509,000 | 6,811 |
| Net interest income | $683,000 | 7,468 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $71,000 | 7,488 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $24,000 | 7,037 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $47,000 | 6,470 |
| Total noninterest expense | $776,000 | 6,847 |
| Salaries and employee benefits | $448,000 | 6,696 |
| Premises and equipment expense | $102,000 | 6,720 |
| Additional noninterest expense | $226,000 | 6,830 |
| Pre-tax net operating income | $-22,000 | 8,235 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-22,000 | 8,242 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-22,000 | 8,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-22,000 | 8,234 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $546,000 | 7,446 |
| Total interest expense | $237,000 | 6,885 |
| Net interest income | $309,000 | 7,663 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $43,000 | 7,194 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $13,000 | 6,977 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,069 |
| Total noninterest expense | $408,000 | 6,733 |
| Salaries and employee benefits | $234,000 | 6,613 |
| Premises and equipment expense | $52,000 | 6,673 |
| Additional noninterest expense | $122,000 | 6,593 |
| Pre-tax net operating income | $-56,000 | 8,383 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-56,000 | 8,395 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-56,000 | 8,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-56,000 | 8,381 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,048,000 | 7,415 |
| Total interest expense | $773,000 | 6,862 |
| Net interest income | $1,275,000 | 7,596 |
| Provision for loan and lease losses | $-250,000 | 8,712 |
| Total noninterest income | $3,027,000 | 1,594 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $111,000 | 6,128 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,916,000 | 1,035 |
| Total noninterest expense | $4,015,000 | 3,852 |
| Salaries and employee benefits | $860,000 | 6,752 |
| Premises and equipment expense | $297,000 | 5,764 |
| Additional noninterest expense | $2,858,000 | 1,766 |
| Pre-tax net operating income | $537,000 | 6,627 |
| Securities gains (losses) | $-90,000 | 8,391 |
| Applicable income taxes | $714,000 | 2,781 |
| Income before extraordinary items | $-267,000 | 8,452 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-267,000 | 8,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,134 |
| Cash dividends | $2,700,000 | 1,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-209,400 | 8,396 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,556,000 | 7,398 |
| Total interest expense | $568,000 | 6,831 |
| Net interest income | $988,000 | 7,588 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $3,072,000 | 1,265 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,976,000 | 816 |
| Total noninterest expense | $3,572,000 | 3,348 |
| Salaries and employee benefits | $625,000 | 6,817 |
| Premises and equipment expense | $239,000 | 5,570 |
| Additional noninterest expense | $2,708,000 | 1,405 |
| Pre-tax net operating income | $488,000 | 6,448 |
| Securities gains (losses) | $-20,000 | 8,173 |
| Applicable income taxes | $602,000 | 2,629 |
| Income before extraordinary items | $-134,000 | 8,477 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-134,000 | 8,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,023 |
| Cash dividends | $2,700,000 | 815 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-121,200 | 8,442 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 7,223 |
| Total interest expense | $388,000 | 6,674 |
| Net interest income | $728,000 | 7,403 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $3,019,000 | 918 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $81,000 | 5,458 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,938,000 | 604 |
| Total noninterest expense | $3,081,000 | 2,635 |
| Salaries and employee benefits | $398,000 | 6,931 |
| Premises and equipment expense | $184,000 | 5,099 |
| Additional noninterest expense | $2,499,000 | 1,010 |
| Pre-tax net operating income | $666,000 | 4,740 |
| Securities gains (losses) | $-20,000 | 8,361 |
| Applicable income taxes | $675,000 | 1,833 |
| Income before extraordinary items | $-29,000 | 8,442 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-29,000 | 8,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,971 |
| Cash dividends | $2,700,000 | 556 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-16,200 | 8,384 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $608,000 | 7,075 |
| Total interest expense | $210,000 | 6,413 |
| Net interest income | $398,000 | 7,257 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $2,198,000 | 662 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $47,000 | 5,132 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,151,000 | 456 |
| Total noninterest expense | $2,139,000 | 1,939 |
| Salaries and employee benefits | $157,000 | 7,557 |
| Premises and equipment expense | $116,000 | 4,396 |
| Additional noninterest expense | $1,866,000 | 687 |
| Pre-tax net operating income | $457,000 | 3,919 |
| Securities gains (losses) | $-20,000 | 8,663 |
| Applicable income taxes | $439,000 | 1,494 |
| Income before extraordinary items | $-2,000 | 8,458 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-2,000 | 8,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $2,100,000 | 338 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $10,800 | 8,333 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,777,000 | 5,740 |
| Total interest expense | $1,314,000 | 4,861 |
| Net interest income | $2,463,000 | 6,056 |
| Provision for loan and lease losses | $335,000 | 2,700 |
| Total noninterest income | $536,000 | 5,091 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $310,000 | 4,248 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $226,000 | 4,843 |
| Total noninterest expense | $3,427,000 | 4,247 |
| Salaries and employee benefits | $1,700,000 | 4,522 |
| Premises and equipment expense | $522,000 | 3,952 |
| Additional noninterest expense | $1,205,000 | 3,728 |
| Pre-tax net operating income | $-763,000 | 8,745 |
| Securities gains (losses) | $-56,000 | 8,615 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-819,000 | 8,798 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-819,000 | 8,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,824 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-763,000 | 8,763 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,938,000 | 5,613 |
| Total interest expense | $1,019,000 | 4,737 |
| Net interest income | $1,919,000 | 5,930 |
| Provision for loan and lease losses | $335,000 | 2,066 |
| Total noninterest income | $383,000 | 5,250 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $228,000 | 4,313 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $155,000 | 5,055 |
| Total noninterest expense | $2,541,000 | 4,252 |
| Salaries and employee benefits | $1,252,000 | 4,542 |
| Premises and equipment expense | $385,000 | 3,983 |
| Additional noninterest expense | $904,000 | 3,703 |
| Pre-tax net operating income | $-574,000 | 8,800 |
| Securities gains (losses) | $22,000 | 2,247 |
| Applicable income taxes | $-205,000 | 8,912 |
| Income before extraordinary items | $-347,000 | 8,751 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-347,000 | 8,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,086 |
| Cash dividends | $250,000 | 3,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-361,080 | 8,734 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,056,000 | 5,467 |
| Total interest expense | $712,000 | 4,625 |
| Net interest income | $1,344,000 | 5,752 |
| Provision for loan and lease losses | $335,000 | 1,413 |
| Total noninterest income | $274,000 | 5,034 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $145,000 | 4,403 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $129,000 | 4,617 |
| Total noninterest expense | $1,685,000 | 4,294 |
| Salaries and employee benefits | $853,000 | 4,505 |
| Premises and equipment expense | $255,000 | 4,012 |
| Additional noninterest expense | $577,000 | 3,860 |
| Pre-tax net operating income | $-402,000 | 8,856 |
| Securities gains (losses) | $22,000 | 1,980 |
| Applicable income taxes | $-149,000 | 8,969 |
| Income before extraordinary items | $-231,000 | 8,820 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-231,000 | 8,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 1,650 |
| Cash dividends | $150,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-245,080 | 8,799 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,066,000 | 5,371 |
| Total interest expense | $370,000 | 4,547 |
| Net interest income | $696,000 | 5,654 |
| Provision for loan and lease losses | $335,000 | 731 |
| Total noninterest income | $146,000 | 4,837 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $68,000 | 4,481 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $78,000 | 4,224 |
| Total noninterest expense | $878,000 | 4,167 |
| Salaries and employee benefits | $453,000 | 4,334 |
| Premises and equipment expense | $130,000 | 3,989 |
| Additional noninterest expense | $295,000 | 3,787 |
| Pre-tax net operating income | $-371,000 | 9,001 |
| Securities gains (losses) | $21,000 | 1,679 |
| Applicable income taxes | $-134,000 | 9,050 |
| Income before extraordinary items | $-216,000 | 8,954 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-216,000 | 8,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,007 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-229,440 | 8,939 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,459,000 | 5,276 |
| Total interest expense | $1,766,000 | 4,401 |
| Net interest income | $2,693,000 | 5,650 |
| Provision for loan and lease losses | $402,000 | 2,574 |
| Total noninterest income | $498,000 | 5,450 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $269,000 | 4,572 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $229,000 | 5,014 |
| Total noninterest expense | $3,024,000 | 4,587 |
| Salaries and employee benefits | $1,622,000 | 4,598 |
| Premises and equipment expense | $520,000 | 3,950 |
| Additional noninterest expense | $882,000 | 4,699 |
| Pre-tax net operating income | $-235,000 | 8,716 |
| Securities gains (losses) | $243,000 | 1,209 |
| Applicable income taxes | $-20,000 | 8,803 |
| Income before extraordinary items | $28,000 | 8,541 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $28,000 | 8,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $415,000 | 1,834 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-215,000 | 8,718 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,334,000 | 5,351 |
| Total interest expense | $1,366,000 | 4,439 |
| Net interest income | $1,968,000 | 5,763 |
| Provision for loan and lease losses | $282,000 | 2,629 |
| Total noninterest income | $383,000 | 5,424 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $200,000 | 4,612 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $183,000 | 4,961 |
| Total noninterest expense | $2,197,000 | 4,653 |
| Salaries and employee benefits | $1,209,000 | 4,591 |
| Premises and equipment expense | $382,000 | 3,994 |
| Additional noninterest expense | $606,000 | 4,969 |
| Pre-tax net operating income | $-128,000 | 8,775 |
| Securities gains (losses) | $241,000 | 1,113 |
| Applicable income taxes | $27,000 | 6,632 |
| Income before extraordinary items | $86,000 | 8,315 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $86,000 | 8,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $416,000 | 1,355 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-97,160 | 8,766 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,220,000 | 5,388 |
| Total interest expense | $937,000 | 4,458 |
| Net interest income | $1,283,000 | 5,843 |
| Provision for loan and lease losses | $282,000 | 1,941 |
| Total noninterest income | $255,000 | 5,413 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $141,000 | 4,438 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $114,000 | 5,091 |
| Total noninterest expense | $1,413,000 | 4,776 |
| Salaries and employee benefits | $781,000 | 4,694 |
| Premises and equipment expense | $250,000 | 4,043 |
| Additional noninterest expense | $382,000 | 5,177 |
| Pre-tax net operating income | $-157,000 | 8,888 |
| Securities gains (losses) | $236,000 | 944 |
| Applicable income taxes | $20,000 | 6,596 |
| Income before extraordinary items | $59,000 | 8,341 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $59,000 | 8,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,352 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-118,000 | 8,852 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,085,000 | 5,498 |
| Total interest expense | $478,000 | 4,483 |
| Net interest income | $607,000 | 6,030 |
| Provision for loan and lease losses | $260,000 | 1,076 |
| Total noninterest income | $115,000 | 5,560 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $64,000 | 4,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 5,226 |
| Total noninterest expense | $655,000 | 5,036 |
| Salaries and employee benefits | $355,000 | 5,027 |
| Premises and equipment expense | $125,000 | 4,027 |
| Additional noninterest expense | $175,000 | 5,453 |
| Pre-tax net operating income | $-193,000 | 9,082 |
| Securities gains (losses) | $203,000 | 651 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $10,000 | 8,634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $10,000 | 8,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 772 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-193,000 | 9,066 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,116,000 | 5,103 |
| Total interest expense | $2,349,000 | 4,299 |
| Net interest income | $2,767,000 | 5,565 |
| Provision for loan and lease losses | $106,000 | 5,623 |
| Total noninterest income | $419,000 | 5,662 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $244,000 | 4,758 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $175,000 | 5,281 |
| Total noninterest expense | $2,411,000 | 5,200 |
| Salaries and employee benefits | $1,435,000 | 4,857 |
| Premises and equipment expense | $404,000 | 4,621 |
| Additional noninterest expense | $572,000 | 6,096 |
| Pre-tax net operating income | $669,000 | 6,193 |
| Securities gains (losses) | $179,000 | 1,249 |
| Applicable income taxes | $289,000 | 4,515 |
| Income before extraordinary items | $559,000 | 6,148 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $559,000 | 6,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,689 |
| Cash dividends | $400,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $440,860 | 6,523 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,068,000 | 4,921 |
| Total interest expense | $3,359,000 | 4,334 |
| Net interest income | $2,709,000 | 5,439 |
| Provision for loan and lease losses | $44,000 | 6,848 |
| Total noninterest income | $378,000 | 5,834 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $192,000 | 5,259 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $186,000 | 5,082 |
| Total noninterest expense | $2,461,000 | 5,000 |
| Salaries and employee benefits | $1,315,000 | 4,985 |
| Premises and equipment expense | $381,000 | 4,757 |
| Additional noninterest expense | $765,000 | 4,945 |
| Pre-tax net operating income | $582,000 | 6,239 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $260,000 | 4,552 |
| Income before extraordinary items | $339,000 | 6,899 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $339,000 | 6,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,392 |
| Cash dividends | $330,000 | 4,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $328,120 | 6,843 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,291,000 | 4,921 |
| Total interest expense | $3,507,000 | 4,374 |
| Net interest income | $2,784,000 | 5,423 |
| Provision for loan and lease losses | $141,000 | 4,529 |
| Total noninterest income | $280,000 | 6,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 5,467 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $2,400,000 | 4,989 |
| Salaries and employee benefits | $1,245,000 | 5,067 |
| Premises and equipment expense | $335,000 | 5,088 |
| Additional noninterest expense | $820,000 | 4,651 |
| Pre-tax net operating income | $523,000 | 6,892 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $254,000 | 4,946 |
| Income before extraordinary items | $269,000 | 7,658 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $269,000 | 7,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $269,000 | 7,662 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,375,000 | 5,326 |
| Total interest expense | $2,806,000 | 4,849 |
| Net interest income | $2,569,000 | 5,708 |
| Provision for loan and lease losses | $205,000 | 3,496 |
| Total noninterest income | $267,000 | 6,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,121 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,520 |
| Total noninterest expense | $2,256,000 | 5,237 |
| Salaries and employee benefits | $1,156,000 | 5,304 |
| Premises and equipment expense | $308,000 | 5,384 |
| Additional noninterest expense | $792,000 | 4,820 |
| Pre-tax net operating income | $375,000 | 7,713 |
| Securities gains (losses) | $13,000 | 1,614 |
| Applicable income taxes | $-51,000 | 9,831 |
| Income before extraordinary items | $439,000 | 6,770 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $439,000 | 6,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,668 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $426,000 | 6,815 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,193,000 | 7,293 |
| Total interest expense | $1,788,000 | 6,575 |
| Net interest income | $1,405,000 | 7,893 |
| Provision for loan and lease losses | $110,000 | 4,906 |
| Total noninterest income | $227,000 | 7,251 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,123 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $1,571,000 | 6,499 |
| Salaries and employee benefits | $825,000 | 6,573 |
| Premises and equipment expense | $223,000 | 6,369 |
| Additional noninterest expense | $523,000 | 6,278 |
| Pre-tax net operating income | $-49,000 | 9,866 |
| Securities gains (losses) | $90,000 | 1,353 |
| Applicable income taxes | $-303,000 | 10,354 |
| Income before extraordinary items | $344,000 | 7,569 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $344,000 | 7,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,571 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $6,542,000 | 180 |
| Net operating income | $254,000 | 8,150 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,205,000 | 10,057 |
| Total interest expense | $686,000 | 9,581 |
| Net interest income | $519,000 | 10,340 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $94,000 | 9,532 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,689 |
| Total noninterest expense | $842,000 | 8,884 |
| Salaries and employee benefits | $499,000 | 8,612 |
| Premises and equipment expense | $148,000 | 7,841 |
| Additional noninterest expense | $195,000 | 9,467 |
| Pre-tax net operating income | $-229,000 | 10,589 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-232,000 | 10,629 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-232,000 | 10,629 |
| 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 | $175,000 | 695 |
| Net operating income | $-229,000 | 10,602 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $609,000 | 11,182 |
| Total interest expense | $320,000 | 11,039 |
| Net interest income | $289,000 | 11,242 |
| Provision for loan and lease losses | $75,000 | 5,702 |
| Total noninterest income | $6,000 | 11,345 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 9,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,319 |
| Total noninterest expense | $796,000 | 9,436 |
| Salaries and employee benefits | $459,000 | 9,182 |
| Premises and equipment expense | $136,000 | 8,382 |
| Additional noninterest expense | $201,000 | 9,927 |
| Pre-tax net operating income | $-576,000 | 11,270 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-576,000 | 11,290 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-576,000 | 11,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 613 |
| Net operating income | $-576,000 | 11,265 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $41,000 | 11,957 |
| Total interest expense | $10,000 | 11,937 |
| Net interest income | $31,000 | 11,956 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $0 | 11,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,920 |
| Total noninterest expense | $170,000 | 11,900 |
| Salaries and employee benefits | $68,000 | 11,926 |
| Premises and equipment expense | $25,000 | 11,720 |
| Additional noninterest expense | $77,000 | 11,781 |
| Pre-tax net operating income | $-189,000 | 11,665 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-189,000 | 11,673 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-189,000 | 11,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $3,197,000 | 162 |
| Net operating income | $-189,000 | 11,662 |
* 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.