Westbank, Income and Expense
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $43,561,000 | 897 |
| Total interest expense | $23,277,000 | 723 |
| Net interest income | $20,284,000 | 1,093 |
| Provision for loan and lease losses | $195,000 | 3,582 |
| Total noninterest income | $3,562,000 | 1,415 |
| Gross Fiduciary activities income | $815,000 | 464 |
| Service charges on deposit accounts | $1,349,000 | 1,323 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,398,000 | 1,752 |
| Total noninterest expense | $24,970,000 | 712 |
| Salaries and employee benefits | $14,621,000 | 643 |
| Premises and equipment expense | $2,180,000 | 1,174 |
| Additional noninterest expense | $8,169,000 | 667 |
| Pre-tax net operating income | $-1,319,000 | 8,500 |
| Securities gains (losses) | $-5,692,000 | 8,642 |
| Applicable income taxes | $-714,000 | 8,610 |
| Income before extraordinary items | $-6,297,000 | 8,668 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-6,297,000 | 8,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 1,519 |
| Cash dividends | $2,850,000 | 1,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-1,174,200 | 8,491 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $32,566,000 | 904 |
| Total interest expense | $16,411,000 | 753 |
| Net interest income | $16,155,000 | 1,053 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $2,698,000 | 1,416 |
| Gross Fiduciary activities income | $622,000 | 454 |
| Service charges on deposit accounts | $1,017,000 | 1,317 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,059,000 | 1,747 |
| Total noninterest expense | $15,407,000 | 866 |
| Salaries and employee benefits | $8,328,000 | 882 |
| Premises and equipment expense | $1,670,000 | 1,157 |
| Additional noninterest expense | $5,409,000 | 752 |
| Pre-tax net operating income | $3,401,000 | 2,114 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,070,000 | 1,797 |
| Income before extraordinary items | $2,331,000 | 2,280 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,331,000 | 2,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 1,349 |
| Cash dividends | $2,250,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,331,000 | 2,266 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,367,000 | 892 |
| Total interest expense | $10,342,000 | 758 |
| Net interest income | $11,025,000 | 1,035 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,765,000 | 1,433 |
| Gross Fiduciary activities income | $435,000 | 449 |
| Service charges on deposit accounts | $667,000 | 1,330 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $663,000 | 1,834 |
| Total noninterest expense | $9,992,000 | 893 |
| Salaries and employee benefits | $5,561,000 | 888 |
| Premises and equipment expense | $1,144,000 | 1,115 |
| Additional noninterest expense | $3,287,000 | 829 |
| Pre-tax net operating income | $2,798,000 | 1,775 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $873,000 | 1,550 |
| Income before extraordinary items | $1,925,000 | 1,900 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,925,000 | 1,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,027 |
| Cash dividends | $1,500,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,925,000 | 1,883 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,505,000 | 882 |
| Total interest expense | $4,812,000 | 765 |
| Net interest income | $5,693,000 | 994 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $893,000 | 1,393 |
| Gross Fiduciary activities income | $238,000 | 418 |
| Service charges on deposit accounts | $312,000 | 1,381 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $343,000 | 1,754 |
| Total noninterest expense | $4,941,000 | 903 |
| Salaries and employee benefits | $2,794,000 | 879 |
| Premises and equipment expense | $565,000 | 1,130 |
| Additional noninterest expense | $1,582,000 | 841 |
| Pre-tax net operating income | $1,645,000 | 1,505 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $523,000 | 1,343 |
| Income before extraordinary items | $1,122,000 | 1,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,122,000 | 1,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,099 |
| Cash dividends | $750,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,122,000 | 1,587 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $38,890,000 | 838 |
| Total interest expense | $15,149,000 | 749 |
| Net interest income | $23,741,000 | 908 |
| Provision for loan and lease losses | $140,000 | 4,242 |
| Total noninterest income | $3,830,000 | 1,325 |
| Gross Fiduciary activities income | $720,000 | 485 |
| Service charges on deposit accounts | $1,000,000 | 1,733 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,110,000 | 1,309 |
| Total noninterest expense | $19,033,000 | 893 |
| Salaries and employee benefits | $10,569,000 | 863 |
| Premises and equipment expense | $2,300,000 | 1,042 |
| Additional noninterest expense | $6,164,000 | 838 |
| Pre-tax net operating income | $8,398,000 | 1,147 |
| Securities gains (losses) | $96,000 | 715 |
| Applicable income taxes | $2,588,000 | 1,096 |
| Income before extraordinary items | $5,906,000 | 1,222 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,906,000 | 1,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,737 |
| Cash dividends | $4,192,000 | 782 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,838,800 | 1,215 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $28,658,000 | 831 |
| Total interest expense | $10,833,000 | 741 |
| Net interest income | $17,825,000 | 895 |
| Provision for loan and lease losses | $140,000 | 3,587 |
| Total noninterest income | $2,973,000 | 1,306 |
| Gross Fiduciary activities income | $540,000 | 473 |
| Service charges on deposit accounts | $692,000 | 1,855 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,741,000 | 1,214 |
| Total noninterest expense | $14,412,000 | 873 |
| Salaries and employee benefits | $7,997,000 | 851 |
| Premises and equipment expense | $1,792,000 | 993 |
| Additional noninterest expense | $4,623,000 | 834 |
| Pre-tax net operating income | $6,246,000 | 1,148 |
| Securities gains (losses) | $96,000 | 675 |
| Applicable income taxes | $1,892,000 | 1,125 |
| Income before extraordinary items | $4,450,000 | 1,220 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,450,000 | 1,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,141 |
| Cash dividends | $3,192,000 | 701 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,382,800 | 1,214 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,028,000 | 804 |
| Total interest expense | $7,056,000 | 713 |
| Net interest income | $11,972,000 | 872 |
| Provision for loan and lease losses | $140,000 | 2,787 |
| Total noninterest income | $1,989,000 | 1,271 |
| Gross Fiduciary activities income | $358,000 | 474 |
| Service charges on deposit accounts | $463,000 | 1,809 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,168,000 | 1,203 |
| Total noninterest expense | $9,627,000 | 872 |
| Salaries and employee benefits | $5,343,000 | 836 |
| Premises and equipment expense | $1,210,000 | 969 |
| Additional noninterest expense | $3,074,000 | 827 |
| Pre-tax net operating income | $4,194,000 | 1,117 |
| Securities gains (losses) | $96,000 | 581 |
| Applicable income taxes | $1,240,000 | 1,124 |
| Income before extraordinary items | $3,050,000 | 1,154 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,050,000 | 1,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,193 |
| Cash dividends | $1,896,000 | 775 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,981,840 | 1,151 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,395,000 | 801 |
| Total interest expense | $3,455,000 | 699 |
| Net interest income | $5,940,000 | 875 |
| Provision for loan and lease losses | $140,000 | 1,548 |
| Total noninterest income | $1,110,000 | 1,154 |
| Gross Fiduciary activities income | $178,000 | 491 |
| Service charges on deposit accounts | $222,000 | 1,826 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $710,000 | 1,028 |
| Total noninterest expense | $4,866,000 | 856 |
| Salaries and employee benefits | $2,611,000 | 851 |
| Premises and equipment expense | $650,000 | 907 |
| Additional noninterest expense | $1,605,000 | 790 |
| Pre-tax net operating income | $2,044,000 | 1,136 |
| Securities gains (losses) | $96,000 | 379 |
| Applicable income taxes | $539,000 | 1,260 |
| Income before extraordinary items | $1,601,000 | 1,074 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,601,000 | 1,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,877 |
| Cash dividends | $685,000 | 936 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,529,000 | 1,102 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $36,812,000 | 759 |
| Total interest expense | $12,725,000 | 650 |
| Net interest income | $24,087,000 | 829 |
| Provision for loan and lease losses | $225,000 | 3,491 |
| Total noninterest income | $3,494,000 | 1,422 |
| Gross Fiduciary activities income | $659,000 | 475 |
| Service charges on deposit accounts | $988,000 | 1,778 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,847,000 | 1,407 |
| Total noninterest expense | $18,077,000 | 905 |
| Salaries and employee benefits | $10,119,000 | 849 |
| Premises and equipment expense | $2,074,000 | 1,107 |
| Additional noninterest expense | $5,884,000 | 849 |
| Pre-tax net operating income | $9,279,000 | 946 |
| Securities gains (losses) | $-121,000 | 8,749 |
| Applicable income taxes | $2,660,000 | 988 |
| Income before extraordinary items | $6,498,000 | 1,019 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,498,000 | 1,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 2,007 |
| Cash dividends | $2,950,000 | 989 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,583,910 | 975 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $27,795,000 | 744 |
| Total interest expense | $9,536,000 | 635 |
| Net interest income | $18,259,000 | 810 |
| Provision for loan and lease losses | $150,000 | 3,509 |
| Total noninterest income | $2,726,000 | 1,399 |
| Gross Fiduciary activities income | $491,000 | 478 |
| Service charges on deposit accounts | $755,000 | 1,756 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,480,000 | 1,346 |
| Total noninterest expense | $13,575,000 | 898 |
| Salaries and employee benefits | $7,631,000 | 846 |
| Premises and equipment expense | $1,658,000 | 1,042 |
| Additional noninterest expense | $4,286,000 | 864 |
| Pre-tax net operating income | $7,260,000 | 914 |
| Securities gains (losses) | $-76,000 | 8,864 |
| Applicable income taxes | $2,228,000 | 927 |
| Income before extraordinary items | $4,956,000 | 1,010 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,956,000 | 1,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 1,734 |
| Cash dividends | $2,500,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,008,440 | 964 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $18,419,000 | 743 |
| Total interest expense | $6,302,000 | 629 |
| Net interest income | $12,117,000 | 802 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,955,000 | 1,307 |
| Gross Fiduciary activities income | $316,000 | 491 |
| Service charges on deposit accounts | $505,000 | 1,730 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,134,000 | 1,212 |
| Total noninterest expense | $8,994,000 | 903 |
| Salaries and employee benefits | $5,073,000 | 846 |
| Premises and equipment expense | $1,130,000 | 1,013 |
| Additional noninterest expense | $2,791,000 | 889 |
| Pre-tax net operating income | $5,078,000 | 858 |
| Securities gains (losses) | $227,000 | 597 |
| Applicable income taxes | $1,669,000 | 843 |
| Income before extraordinary items | $3,636,000 | 899 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,636,000 | 899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 1,369 |
| Cash dividends | $1,649,000 | 819 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,479,370 | 906 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $9,128,000 | 764 |
| Total interest expense | $3,103,000 | 651 |
| Net interest income | $6,025,000 | 813 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,174,000 | 1,107 |
| Gross Fiduciary activities income | $153,000 | 514 |
| Service charges on deposit accounts | $246,000 | 1,726 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $775,000 | 948 |
| Total noninterest expense | $4,553,000 | 902 |
| Salaries and employee benefits | $2,560,000 | 857 |
| Premises and equipment expense | $606,000 | 956 |
| Additional noninterest expense | $1,387,000 | 893 |
| Pre-tax net operating income | $2,646,000 | 823 |
| Securities gains (losses) | $62,000 | 1,078 |
| Applicable income taxes | $828,000 | 868 |
| Income before extraordinary items | $1,880,000 | 870 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,880,000 | 870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 1,058 |
| Cash dividends | $800,000 | 795 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,837,220 | 838 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $35,900,000 | 794 |
| Total interest expense | $12,420,000 | 706 |
| Net interest income | $23,480,000 | 812 |
| Provision for loan and lease losses | $-354,000 | 9,110 |
| Total noninterest income | $3,337,000 | 1,545 |
| Gross Fiduciary activities income | $641,000 | 482 |
| Service charges on deposit accounts | $1,097,000 | 1,571 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,599,000 | 1,745 |
| Total noninterest expense | $17,096,000 | 954 |
| Salaries and employee benefits | $9,518,000 | 891 |
| Premises and equipment expense | $2,120,000 | 1,073 |
| Additional noninterest expense | $5,458,000 | 933 |
| Pre-tax net operating income | $10,075,000 | 852 |
| Securities gains (losses) | $1,138,000 | 433 |
| Applicable income taxes | $3,842,000 | 761 |
| Income before extraordinary items | $7,371,000 | 884 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,371,000 | 886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 2,134 |
| Cash dividends | $3,110,000 | 964 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,619,920 | 918 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $26,799,000 | 812 |
| Total interest expense | $9,477,000 | 725 |
| Net interest income | $17,322,000 | 841 |
| Provision for loan and lease losses | $-354,000 | 9,184 |
| Total noninterest income | $2,672,000 | 1,506 |
| Gross Fiduciary activities income | $489,000 | 479 |
| Service charges on deposit accounts | $827,000 | 1,563 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,356,000 | 1,650 |
| Total noninterest expense | $12,619,000 | 981 |
| Salaries and employee benefits | $7,123,000 | 907 |
| Premises and equipment expense | $1,642,000 | 1,055 |
| Additional noninterest expense | $3,854,000 | 999 |
| Pre-tax net operating income | $7,729,000 | 865 |
| Securities gains (losses) | $564,000 | 627 |
| Applicable income taxes | $2,838,000 | 816 |
| Income before extraordinary items | $5,455,000 | 923 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,455,000 | 923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,467 |
| Cash dividends | $2,270,000 | 913 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,082,760 | 929 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $18,323,000 | 802 |
| Total interest expense | $6,601,000 | 720 |
| Net interest income | $11,722,000 | 826 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,682,000 | 1,565 |
| Gross Fiduciary activities income | $337,000 | 479 |
| Service charges on deposit accounts | $556,000 | 1,532 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $789,000 | 1,802 |
| Total noninterest expense | $8,221,000 | 1,001 |
| Salaries and employee benefits | $4,666,000 | 922 |
| Premises and equipment expense | $1,112,000 | 1,038 |
| Additional noninterest expense | $2,443,000 | 1,043 |
| Pre-tax net operating income | $5,183,000 | 859 |
| Securities gains (losses) | $263,000 | 889 |
| Applicable income taxes | $1,788,000 | 856 |
| Income before extraordinary items | $3,658,000 | 925 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,658,000 | 927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,572 |
| Cash dividends | $1,280,000 | 1,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,481,790 | 892 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $9,379,000 | 789 |
| Total interest expense | $3,433,000 | 710 |
| Net interest income | $5,946,000 | 818 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $713,000 | 1,751 |
| Gross Fiduciary activities income | $172,000 | 481 |
| Service charges on deposit accounts | $277,000 | 1,501 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $264,000 | 2,282 |
| Total noninterest expense | $4,100,000 | 993 |
| Salaries and employee benefits | $2,326,000 | 925 |
| Premises and equipment expense | $581,000 | 990 |
| Additional noninterest expense | $1,193,000 | 1,034 |
| Pre-tax net operating income | $2,559,000 | 888 |
| Securities gains (losses) | $259,000 | 562 |
| Applicable income taxes | $997,000 | 797 |
| Income before extraordinary items | $1,821,000 | 922 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,821,000 | 921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 9,162 |
| Cash dividends | $440,000 | 1,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,652,650 | 940 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $40,608,000 | 752 |
| Total interest expense | $16,383,000 | 689 |
| Net interest income | $24,225,000 | 785 |
| Provision for loan and lease losses | $1,333,000 | 1,037 |
| Total noninterest income | $4,233,000 | 1,196 |
| Gross Fiduciary activities income | $652,000 | 488 |
| Service charges on deposit accounts | $1,153,000 | 1,406 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,428,000 | 1,147 |
| Total noninterest expense | $16,291,000 | 961 |
| Salaries and employee benefits | $8,968,000 | 899 |
| Premises and equipment expense | $2,113,000 | 1,042 |
| Additional noninterest expense | $5,210,000 | 958 |
| Pre-tax net operating income | $10,834,000 | 802 |
| Securities gains (losses) | $-218,000 | 9,201 |
| Applicable income taxes | $3,452,000 | 814 |
| Income before extraordinary items | $7,164,000 | 872 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,164,000 | 870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 1,937 |
| Cash dividends | $5,112,000 | 602 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,310,060 | 824 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $41,143,000 | 832 |
| Total interest expense | $19,012,000 | 859 |
| Net interest income | $22,131,000 | 801 |
| Provision for loan and lease losses | $944,000 | 1,307 |
| Total noninterest income | $3,345,000 | 1,358 |
| Gross Fiduciary activities income | $635,000 | 520 |
| Service charges on deposit accounts | $1,201,000 | 1,241 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,509,000 | 1,514 |
| Total noninterest expense | $16,733,000 | 889 |
| Salaries and employee benefits | $8,249,000 | 908 |
| Premises and equipment expense | $2,155,000 | 974 |
| Additional noninterest expense | $6,329,000 | 793 |
| Pre-tax net operating income | $7,799,000 | 968 |
| Securities gains (losses) | $36,000 | 2,670 |
| Applicable income taxes | $2,618,000 | 941 |
| Income before extraordinary items | $5,217,000 | 1,051 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,217,000 | 1,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 1,720 |
| Cash dividends | $2,230,000 | 1,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,192,880 | 1,017 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $31,069,000 | 1,132 |
| Total interest expense | $15,652,000 | 1,115 |
| Net interest income | $15,417,000 | 1,139 |
| Provision for loan and lease losses | $665,000 | 1,477 |
| Total noninterest income | $2,738,000 | 1,464 |
| Gross Fiduciary activities income | $528,000 | 585 |
| Service charges on deposit accounts | $759,000 | 1,836 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,451,000 | 1,418 |
| Total noninterest expense | $11,492,000 | 1,212 |
| Salaries and employee benefits | $6,344,000 | 1,109 |
| Premises and equipment expense | $1,592,000 | 1,287 |
| Additional noninterest expense | $3,556,000 | 1,279 |
| Pre-tax net operating income | $5,998,000 | 1,237 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,996,000 | 1,155 |
| Income before extraordinary items | $4,002,000 | 1,316 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,002,000 | 1,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $515,000 | 1,220 |
| Cash dividends | $1,914,000 | 1,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,002,000 | 1,302 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $27,858,000 | 1,166 |
| Total interest expense | $12,733,000 | 1,194 |
| Net interest income | $15,125,000 | 1,167 |
| Provision for loan and lease losses | $75,000 | 5,766 |
| Total noninterest income | $2,012,000 | 1,847 |
| Gross Fiduciary activities income | $502,000 | 638 |
| Service charges on deposit accounts | $731,000 | 1,817 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $779,000 | 2,193 |
| Total noninterest expense | $10,556,000 | 1,312 |
| Salaries and employee benefits | $5,473,000 | 1,265 |
| Premises and equipment expense | $1,756,000 | 1,142 |
| Additional noninterest expense | $3,327,000 | 1,389 |
| Pre-tax net operating income | $6,506,000 | 1,184 |
| Securities gains (losses) | $91,000 | 766 |
| Applicable income taxes | $2,506,000 | 1,012 |
| Income before extraordinary items | $4,091,000 | 1,325 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,091,000 | 1,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,651 |
| Cash dividends | $570,000 | 3,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,032,760 | 1,325 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $25,095,000 | 1,290 |
| Total interest expense | $11,652,000 | 1,332 |
| Net interest income | $13,443,000 | 1,261 |
| Provision for loan and lease losses | $19,000 | 7,809 |
| Total noninterest income | $1,959,000 | 1,867 |
| Gross Fiduciary activities income | $498,000 | 638 |
| Service charges on deposit accounts | $557,000 | 2,314 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $904,000 | 1,998 |
| Total noninterest expense | $9,803,000 | 1,342 |
| Salaries and employee benefits | $5,007,000 | 1,311 |
| Premises and equipment expense | $1,530,000 | 1,255 |
| Additional noninterest expense | $3,266,000 | 1,344 |
| Pre-tax net operating income | $5,580,000 | 1,344 |
| Securities gains (losses) | $141,000 | 1,080 |
| Applicable income taxes | $2,180,000 | 1,158 |
| Income before extraordinary items | $3,541,000 | 1,490 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,541,000 | 1,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $488,000 | 1,279 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,450,760 | 1,466 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,200,000 | 1,418 |
| Total interest expense | $10,348,000 | 1,502 |
| Net interest income | $12,852,000 | 1,354 |
| Provision for loan and lease losses | $190,000 | 3,550 |
| Total noninterest income | $1,873,000 | 1,867 |
| Gross Fiduciary activities income | $465,000 | 676 |
| Service charges on deposit accounts | $578,000 | 2,266 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $830,000 | 1,985 |
| Total noninterest expense | $9,136,000 | 1,437 |
| Salaries and employee benefits | $4,611,000 | 1,417 |
| Premises and equipment expense | $1,451,000 | 1,351 |
| Additional noninterest expense | $3,074,000 | 1,413 |
| Pre-tax net operating income | $5,399,000 | 1,442 |
| Securities gains (losses) | $219,000 | 667 |
| Applicable income taxes | $2,311,000 | 1,173 |
| Income before extraordinary items | $3,307,000 | 1,635 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,307,000 | 1,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-177,000 | 10,803 |
| Cash dividends | $520,000 | 3,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,166,840 | 1,648 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,684,000 | 1,621 |
| Total interest expense | $8,741,000 | 1,801 |
| Net interest income | $11,943,000 | 1,492 |
| Provision for loan and lease losses | $868,000 | 1,139 |
| Total noninterest income | $1,964,000 | 1,868 |
| Gross Fiduciary activities income | $425,000 | 753 |
| Service charges on deposit accounts | $641,000 | 2,105 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $898,000 | 1,951 |
| Total noninterest expense | $9,211,000 | 1,541 |
| Salaries and employee benefits | $4,250,000 | 1,562 |
| Premises and equipment expense | $1,401,000 | 1,452 |
| Additional noninterest expense | $3,560,000 | 1,497 |
| Pre-tax net operating income | $3,828,000 | 1,893 |
| Securities gains (losses) | $112,000 | 907 |
| Applicable income taxes | $1,618,000 | 1,488 |
| Income before extraordinary items | $2,322,000 | 2,131 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,322,000 | 2,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,094,000 | 559 |
| Cash dividends | $520,000 | 3,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,250,320 | 2,142 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $20,520,000 | 1,655 |
| Total interest expense | $8,491,000 | 1,862 |
| Net interest income | $12,029,000 | 1,494 |
| Provision for loan and lease losses | $2,690,000 | 479 |
| Total noninterest income | $2,515,000 | 1,538 |
| Gross Fiduciary activities income | $354,000 | 839 |
| Service charges on deposit accounts | $621,000 | 2,179 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,540,000 | 1,362 |
| Total noninterest expense | $8,541,000 | 1,648 |
| Salaries and employee benefits | $3,717,000 | 1,785 |
| Premises and equipment expense | $1,147,000 | 1,760 |
| Additional noninterest expense | $3,677,000 | 1,430 |
| Pre-tax net operating income | $3,313,000 | 2,223 |
| Securities gains (losses) | $145,000 | 792 |
| Applicable income taxes | $1,080,000 | 2,225 |
| Income before extraordinary items | $2,378,000 | 2,126 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,378,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,308,000 | 525 |
| Cash dividends | $429,000 | 3,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,277,950 | 2,183 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,341,000 | 1,769 |
| Total interest expense | $6,199,000 | 2,017 |
| Net interest income | $11,142,000 | 1,622 |
| Provision for loan and lease losses | $1,473,000 | 722 |
| Total noninterest income | $1,993,000 | 1,839 |
| Gross Fiduciary activities income | $329,000 | 869 |
| Service charges on deposit accounts | $732,000 | 1,837 |
| Trading account gains and fees | $10,000 | 377 |
| Additional Noninterest Income | $922,000 | 1,937 |
| Total noninterest expense | $10,041,000 | 1,460 |
| Salaries and employee benefits | $3,825,000 | 1,754 |
| Premises and equipment expense | $1,442,000 | 1,452 |
| Additional noninterest expense | $4,774,000 | 1,221 |
| Pre-tax net operating income | $1,621,000 | 4,125 |
| Securities gains (losses) | $145,000 | 616 |
| Applicable income taxes | $-430,000 | 12,467 |
| Income before extraordinary items | $2,196,000 | 2,229 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,196,000 | 2,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,620,000 | 650 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,051,000 | 2,392 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $17,003,000 | 1,841 |
| Total interest expense | $6,736,000 | 1,933 |
| Net interest income | $10,267,000 | 1,758 |
| Provision for loan and lease losses | $790,000 | 1,532 |
| Total noninterest income | $2,315,000 | 1,779 |
| Gross Fiduciary activities income | $316,000 | 920 |
| Service charges on deposit accounts | $961,000 | 1,395 |
| Trading account gains and fees | $3,000 | 479 |
| Additional Noninterest Income | $1,035,000 | 1,987 |
| Total noninterest expense | $10,063,000 | 1,519 |
| Salaries and employee benefits | $3,541,000 | 1,893 |
| Premises and equipment expense | $1,661,000 | 1,286 |
| Additional noninterest expense | $4,861,000 | 1,301 |
| Pre-tax net operating income | $1,729,000 | 3,832 |
| Securities gains (losses) | $339,000 | 1,190 |
| Applicable income taxes | $525,000 | 4,003 |
| Income before extraordinary items | $1,543,000 | 3,157 |
| Extraordinary gains, net | $400,000 | 560 |
| Net income | $1,943,000 | 2,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $760,000 | 1,362 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,288,750 | 3,555 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $19,114,000 | 1,849 |
| Total interest expense | $9,105,000 | 1,859 |
| Net interest income | $10,009,000 | 1,832 |
| Provision for loan and lease losses | $2,298,000 | 1,037 |
| Total noninterest income | $2,626,000 | 1,595 |
| Gross Fiduciary activities income | $302,000 | 948 |
| Service charges on deposit accounts | $919,000 | 1,462 |
| Trading account gains and fees | $221,000 | 225 |
| Additional Noninterest Income | $1,184,000 | 1,783 |
| Total noninterest expense | $10,107,000 | 1,519 |
| Salaries and employee benefits | $3,620,000 | 1,837 |
| Premises and equipment expense | $2,100,000 | 1,069 |
| Additional noninterest expense | $4,387,000 | 1,499 |
| Pre-tax net operating income | $230,000 | 10,788 |
| Securities gains (losses) | $426,000 | 1,222 |
| Applicable income taxes | $102,000 | 9,861 |
| Income before extraordinary items | $554,000 | 6,899 |
| Extraordinary gains, net | $202,000 | 425 |
| Net income | $756,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,406,000 | 855 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $196,160 | 10,312 |
* 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.