Home > Heritage National Bank > Income and Expense
Heritage National Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,812,000 | 2,711 |
| Total interest expense | $3,345,000 | 2,329 |
| Net interest income | $5,467,000 | 2,927 |
| Provision for loan and lease losses | $185,000 | 3,084 |
| Total noninterest income | $1,628,000 | 2,082 |
| Gross Fiduciary activities income | $43,000 | 1,015 |
| Service charges on deposit accounts | $661,000 | 1,943 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $924,000 | 1,921 |
| Total noninterest expense | $4,789,000 | 2,570 |
| Salaries and employee benefits | $2,972,000 | 2,287 |
| Premises and equipment expense | $937,000 | 1,918 |
| Additional noninterest expense | $880,000 | 3,880 |
| Pre-tax net operating income | $2,121,000 | 2,930 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $47,000 | 5,835 |
| Income before extraordinary items | $2,080,000 | 2,412 |
| Extraordinary gains, net | $208,000 | 15 |
| Net income | $2,288,000 | 2,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $980,000 | 1,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,074,120 | 2,389 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 2,644 |
| Total interest expense | $2,246,000 | 2,188 |
| Net interest income | $3,637,000 | 2,903 |
| Provision for loan and lease losses | $22,000 | 5,594 |
| Total noninterest income | $621,000 | 3,014 |
| Gross Fiduciary activities income | $35,000 | 994 |
| Service charges on deposit accounts | $429,000 | 1,960 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $157,000 | 4,215 |
| Total noninterest expense | $3,060,000 | 2,651 |
| Salaries and employee benefits | $1,935,000 | 2,327 |
| Premises and equipment expense | $579,000 | 2,039 |
| Additional noninterest expense | $546,000 | 4,087 |
| Pre-tax net operating income | $1,176,000 | 3,298 |
| Securities gains (losses) | $-1,000 | 7,609 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,175,000 | 2,700 |
| Extraordinary gains, net | $46,000 | 17 |
| Net income | $1,221,000 | 2,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $403,000 | 2,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,176,000 | 2,655 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,867,000 | 2,680 |
| Total interest expense | $1,094,000 | 2,143 |
| Net interest income | $1,773,000 | 2,953 |
| Provision for loan and lease losses | $22,000 | 4,548 |
| Total noninterest income | $298,000 | 3,066 |
| Gross Fiduciary activities income | $16,000 | 1,011 |
| Service charges on deposit accounts | $202,000 | 1,988 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $80,000 | 4,199 |
| Total noninterest expense | $1,521,000 | 2,679 |
| Salaries and employee benefits | $959,000 | 2,374 |
| Premises and equipment expense | $279,000 | 2,142 |
| Additional noninterest expense | $283,000 | 3,985 |
| Pre-tax net operating income | $528,000 | 3,527 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $528,000 | 2,920 |
| Extraordinary gains, net | $29,000 | 14 |
| Net income | $557,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $105,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $528,000 | 2,876 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,606,000 | 2,671 |
| Total interest expense | $3,679,000 | 2,198 |
| Net interest income | $6,927,000 | 2,911 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $1,471,000 | 2,727 |
| Gross Fiduciary activities income | $32,000 | 1,128 |
| Service charges on deposit accounts | $980,000 | 1,793 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $459,000 | 3,470 |
| Total noninterest expense | $5,608,000 | 2,818 |
| Salaries and employee benefits | $3,336,000 | 2,589 |
| Premises and equipment expense | $1,095,000 | 2,105 |
| Additional noninterest expense | $1,177,000 | 3,814 |
| Pre-tax net operating income | $2,670,000 | 2,838 |
| Securities gains (losses) | $37,000 | 1,965 |
| Applicable income taxes | $13,000 | 6,689 |
| Income before extraordinary items | $2,694,000 | 2,272 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,694,000 | 2,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,214 |
| Cash dividends | $1,335,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,657,000 | 2,251 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,888,000 | 2,672 |
| Total interest expense | $2,677,000 | 2,217 |
| Net interest income | $5,211,000 | 2,883 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $1,146,000 | 2,655 |
| Gross Fiduciary activities income | $23,000 | 1,121 |
| Service charges on deposit accounts | $671,000 | 1,956 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $452,000 | 2,977 |
| Total noninterest expense | $4,083,000 | 2,864 |
| Salaries and employee benefits | $2,454,000 | 2,614 |
| Premises and equipment expense | $783,000 | 2,192 |
| Additional noninterest expense | $846,000 | 3,910 |
| Pre-tax net operating income | $2,184,000 | 2,675 |
| Securities gains (losses) | $37,000 | 1,884 |
| Applicable income taxes | $13,000 | 6,704 |
| Income before extraordinary items | $2,208,000 | 2,116 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,208,000 | 2,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $997,000 | 1,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,171,370 | 2,105 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,230,000 | 2,677 |
| Total interest expense | $1,760,000 | 2,227 |
| Net interest income | $3,470,000 | 2,875 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $810,000 | 2,576 |
| Gross Fiduciary activities income | $10,000 | 1,191 |
| Service charges on deposit accounts | $440,000 | 1,962 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $360,000 | 2,687 |
| Total noninterest expense | $2,699,000 | 2,887 |
| Salaries and employee benefits | $1,612,000 | 2,651 |
| Premises and equipment expense | $517,000 | 2,211 |
| Additional noninterest expense | $570,000 | 3,900 |
| Pre-tax net operating income | $1,521,000 | 2,563 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $13,000 | 6,532 |
| Income before extraordinary items | $1,508,000 | 2,061 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,508,000 | 2,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,586 |
| Cash dividends | $437,000 | 2,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,508,000 | 2,007 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,621,000 | 2,664 |
| Total interest expense | $881,000 | 2,243 |
| Net interest income | $1,740,000 | 2,857 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $331,000 | 2,910 |
| Gross Fiduciary activities income | $4,000 | 1,216 |
| Service charges on deposit accounts | $216,000 | 1,940 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $111,000 | 3,491 |
| Total noninterest expense | $1,371,000 | 2,857 |
| Salaries and employee benefits | $808,000 | 2,658 |
| Premises and equipment expense | $292,000 | 1,980 |
| Additional noninterest expense | $271,000 | 4,056 |
| Pre-tax net operating income | $670,000 | 2,793 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $670,000 | 2,261 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $670,000 | 2,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,369 |
| Cash dividends | $105,000 | 2,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $670,000 | 2,179 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,135,000 | 2,797 |
| Total interest expense | $3,674,000 | 2,408 |
| Net interest income | $6,461,000 | 2,980 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $1,510,000 | 2,832 |
| Gross Fiduciary activities income | $19,000 | 1,256 |
| Service charges on deposit accounts | $957,000 | 1,808 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $534,000 | 3,469 |
| Total noninterest expense | $5,188,000 | 2,964 |
| Salaries and employee benefits | $3,040,000 | 2,734 |
| Premises and equipment expense | $1,136,000 | 2,009 |
| Additional noninterest expense | $1,012,000 | 4,236 |
| Pre-tax net operating income | $2,663,000 | 2,753 |
| Securities gains (losses) | $104,000 | 1,855 |
| Applicable income taxes | $12,000 | 6,979 |
| Income before extraordinary items | $2,755,000 | 2,203 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,755,000 | 2,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,913 |
| Cash dividends | $1,395,000 | 1,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,651,000 | 2,165 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,568,000 | 2,835 |
| Total interest expense | $2,793,000 | 2,454 |
| Net interest income | $4,775,000 | 3,027 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $1,312,000 | 2,596 |
| Gross Fiduciary activities income | $9,000 | 1,296 |
| Service charges on deposit accounts | $774,000 | 1,667 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $529,000 | 3,025 |
| Total noninterest expense | $3,902,000 | 2,955 |
| Salaries and employee benefits | $2,228,000 | 2,798 |
| Premises and equipment expense | $842,000 | 2,042 |
| Additional noninterest expense | $832,000 | 3,962 |
| Pre-tax net operating income | $2,095,000 | 2,749 |
| Securities gains (losses) | $104,000 | 1,710 |
| Applicable income taxes | $12,000 | 7,003 |
| Income before extraordinary items | $2,187,000 | 2,151 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,187,000 | 2,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,859 |
| Cash dividends | $1,117,000 | 1,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,084,040 | 2,134 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,046,000 | 2,862 |
| Total interest expense | $1,896,000 | 2,499 |
| Net interest income | $3,150,000 | 3,043 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $883,000 | 2,560 |
| Gross Fiduciary activities income | $4,000 | 1,366 |
| Service charges on deposit accounts | $519,000 | 1,629 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $360,000 | 2,963 |
| Total noninterest expense | $2,499,000 | 3,047 |
| Salaries and employee benefits | $1,470,000 | 2,829 |
| Premises and equipment expense | $485,000 | 2,314 |
| Additional noninterest expense | $544,000 | 3,984 |
| Pre-tax net operating income | $1,474,000 | 2,635 |
| Securities gains (losses) | $104,000 | 1,475 |
| Applicable income taxes | $12,000 | 6,875 |
| Income before extraordinary items | $1,566,000 | 2,027 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,566,000 | 2,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,602 |
| Cash dividends | $546,000 | 2,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,463,040 | 2,035 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,470,000 | 2,950 |
| Total interest expense | $937,000 | 2,575 |
| Net interest income | $1,533,000 | 3,117 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $409,000 | 2,624 |
| Gross Fiduciary activities income | $2,000 | 1,343 |
| Service charges on deposit accounts | $262,000 | 1,570 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $145,000 | 3,273 |
| Total noninterest expense | $1,336,000 | 2,867 |
| Salaries and employee benefits | $760,000 | 2,732 |
| Premises and equipment expense | $262,000 | 2,159 |
| Additional noninterest expense | $314,000 | 3,528 |
| Pre-tax net operating income | $576,000 | 3,171 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $576,000 | 2,632 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $576,000 | 2,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $210,000 | 2,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $576,000 | 2,490 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,995,000 | 3,022 |
| Total interest expense | $3,825,000 | 2,855 |
| Net interest income | $6,170,000 | 3,076 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $1,392,000 | 2,759 |
| Gross Fiduciary activities income | $3,000 | 1,565 |
| Service charges on deposit accounts | $1,057,000 | 1,525 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $332,000 | 4,044 |
| Total noninterest expense | $5,127,000 | 2,863 |
| Salaries and employee benefits | $2,856,000 | 2,761 |
| Premises and equipment expense | $1,085,000 | 2,021 |
| Additional noninterest expense | $1,186,000 | 3,638 |
| Pre-tax net operating income | $2,315,000 | 3,063 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $2,315,000 | 2,499 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,315,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,848 |
| Cash dividends | $1,074,000 | 2,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,315,000 | 2,411 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,082,000 | 3,283 |
| Total interest expense | $4,897,000 | 3,206 |
| Net interest income | $5,185,000 | 3,338 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $1,251,000 | 2,845 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $969,000 | 1,527 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $282,000 | 4,254 |
| Total noninterest expense | $4,255,000 | 3,239 |
| Salaries and employee benefits | $2,383,000 | 3,077 |
| Premises and equipment expense | $959,000 | 2,232 |
| Additional noninterest expense | $913,000 | 4,358 |
| Pre-tax net operating income | $1,941,000 | 3,244 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,000 | 7,803 |
| Income before extraordinary items | $1,938,000 | 2,602 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,938,000 | 2,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,093 |
| Cash dividends | $955,000 | 2,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,938,000 | 2,531 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,856,000 | 3,773 |
| Total interest expense | $4,390,000 | 3,703 |
| Net interest income | $4,466,000 | 3,819 |
| Provision for loan and lease losses | $252,000 | 3,211 |
| Total noninterest income | $1,396,000 | 2,477 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $874,000 | 1,568 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $522,000 | 2,880 |
| Total noninterest expense | $4,018,000 | 3,322 |
| Salaries and employee benefits | $2,215,000 | 3,166 |
| Premises and equipment expense | $877,000 | 2,358 |
| Additional noninterest expense | $926,000 | 4,252 |
| Pre-tax net operating income | $1,592,000 | 3,903 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $22,000 | 7,798 |
| Income before extraordinary items | $1,570,000 | 3,139 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,570,000 | 3,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,069 |
| Cash dividends | $707,000 | 2,890 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,570,000 | 3,133 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,190,000 | 3,827 |
| Total interest expense | $3,463,000 | 4,090 |
| Net interest income | $4,727,000 | 3,630 |
| Provision for loan and lease losses | $244,000 | 3,101 |
| Total noninterest income | $946,000 | 3,217 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $697,000 | 1,909 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $249,000 | 4,447 |
| Total noninterest expense | $3,602,000 | 3,627 |
| Salaries and employee benefits | $2,033,000 | 3,393 |
| Premises and equipment expense | $683,000 | 2,927 |
| Additional noninterest expense | $886,000 | 4,436 |
| Pre-tax net operating income | $1,827,000 | 3,572 |
| Securities gains (losses) | $-25,000 | 9,615 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,802,000 | 2,807 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,802,000 | 2,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,700 |
| Cash dividends | $1,043,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,827,000 | 2,739 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,819,000 | 4,029 |
| Total interest expense | $3,316,000 | 4,351 |
| Net interest income | $4,503,000 | 3,730 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $894,000 | 3,336 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $697,000 | 1,834 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $197,000 | 4,997 |
| Total noninterest expense | $3,127,000 | 3,974 |
| Salaries and employee benefits | $1,743,000 | 3,764 |
| Premises and equipment expense | $637,000 | 3,001 |
| Additional noninterest expense | $747,000 | 4,910 |
| Pre-tax net operating income | $2,150,000 | 3,141 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $2,150,000 | 2,393 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,150,000 | 2,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,203 |
| Cash dividends | $1,130,000 | 2,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,150,000 | 2,313 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,410,000 | 4,290 |
| Total interest expense | $3,290,000 | 4,344 |
| Net interest income | $4,120,000 | 4,135 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $826,000 | 3,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $645,000 | 2,030 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 5,198 |
| Total noninterest expense | $3,015,000 | 4,082 |
| Salaries and employee benefits | $1,670,000 | 3,890 |
| Premises and equipment expense | $612,000 | 3,093 |
| Additional noninterest expense | $733,000 | 5,043 |
| Pre-tax net operating income | $1,811,000 | 3,838 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $163,000 | 7,419 |
| Income before extraordinary items | $1,646,000 | 3,084 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,646,000 | 3,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,597 |
| Cash dividends | $1,025,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,647,820 | 3,019 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,903,000 | 4,638 |
| Total interest expense | $2,987,000 | 4,803 |
| Net interest income | $3,916,000 | 4,411 |
| Provision for loan and lease losses | $84,000 | 5,516 |
| Total noninterest income | $852,000 | 3,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $614,000 | 2,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,674 |
| Total noninterest expense | $2,764,000 | 4,608 |
| Salaries and employee benefits | $1,542,000 | 4,211 |
| Premises and equipment expense | $593,000 | 3,249 |
| Additional noninterest expense | $629,000 | 6,174 |
| Pre-tax net operating income | $1,920,000 | 3,513 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $580,000 | 3,692 |
| Income before extraordinary items | $1,342,000 | 3,528 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,342,000 | 3,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,582 |
| Cash dividends | $420,000 | 3,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,340,600 | 3,486 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,372,000 | 4,931 |
| Total interest expense | $2,833,000 | 5,023 |
| Net interest income | $3,539,000 | 4,818 |
| Provision for loan and lease losses | $84,000 | 4,983 |
| Total noninterest income | $751,000 | 3,870 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $600,000 | 2,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,965 |
| Total noninterest expense | $2,606,000 | 4,823 |
| Salaries and employee benefits | $1,466,000 | 4,374 |
| Premises and equipment expense | $488,000 | 3,837 |
| Additional noninterest expense | $652,000 | 6,182 |
| Pre-tax net operating income | $1,600,000 | 4,229 |
| Securities gains (losses) | $-26,000 | 10,740 |
| Applicable income taxes | $486,000 | 4,294 |
| Income before extraordinary items | $1,088,000 | 4,289 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,088,000 | 4,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $420,000 | 3,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,105,940 | 4,212 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,430,000 | 5,300 |
| Total interest expense | $2,145,000 | 5,288 |
| Net interest income | $3,285,000 | 5,219 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $828,000 | 3,609 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $691,000 | 1,953 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,499 |
| Total noninterest expense | $2,554,000 | 5,064 |
| Salaries and employee benefits | $1,371,000 | 4,656 |
| Premises and equipment expense | $436,000 | 4,276 |
| Additional noninterest expense | $747,000 | 6,008 |
| Pre-tax net operating income | $1,487,000 | 4,440 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $470,000 | 4,245 |
| Income before extraordinary items | $1,018,000 | 4,480 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,018,000 | 4,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,519 |
| Cash dividends | $720,000 | 2,468 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,017,320 | 4,521 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,393,000 | 5,424 |
| Total interest expense | $2,089,000 | 5,637 |
| Net interest income | $3,304,000 | 5,209 |
| Provision for loan and lease losses | $54,000 | 7,292 |
| Total noninterest income | $823,000 | 3,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $727,000 | 1,882 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 8,002 |
| Total noninterest expense | $2,481,000 | 5,316 |
| Salaries and employee benefits | $1,246,000 | 5,070 |
| Premises and equipment expense | $325,000 | 5,527 |
| Additional noninterest expense | $910,000 | 5,320 |
| Pre-tax net operating income | $1,592,000 | 4,100 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $519,000 | 4,053 |
| Income before extraordinary items | $1,073,000 | 4,415 |
| Extraordinary gains, net | $100,000 | 1,558 |
| Net income | $1,173,000 | 4,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $520,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,073,000 | 4,190 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,541,000 | 6,847 |
| Total interest expense | $2,222,000 | 6,573 |
| Net interest income | $2,319,000 | 6,961 |
| Provision for loan and lease losses | $74,000 | 8,124 |
| Total noninterest income | $497,000 | 5,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $400,000 | 3,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 8,166 |
| Total noninterest expense | $1,654,000 | 7,390 |
| Salaries and employee benefits | $845,000 | 6,968 |
| Premises and equipment expense | $202,000 | 7,788 |
| Additional noninterest expense | $607,000 | 7,449 |
| Pre-tax net operating income | $1,088,000 | 5,302 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $386,000 | 4,927 |
| Income before extraordinary items | $702,000 | 5,905 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $702,000 | 5,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 8,252 |
| Cash dividends | $368,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 482 |
| Net operating income | $702,000 | 5,562 |
* 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.