Home > Columbia Trust Bank > Income and Expense
Columbia Trust Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,034,000 | 2,702 |
| Total interest expense | $3,616,000 | 2,864 |
| Net interest income | $8,418,000 | 2,583 |
| Provision for loan and lease losses | $415,000 | 2,215 |
| Total noninterest income | $779,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $387,000 | 3,629 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $392,000 | 3,806 |
| Total noninterest expense | $6,970,000 | 2,403 |
| Salaries and employee benefits | $4,116,000 | 2,229 |
| Premises and equipment expense | $619,000 | 3,561 |
| Additional noninterest expense | $2,235,000 | 2,238 |
| Pre-tax net operating income | $1,812,000 | 3,938 |
| Securities gains (losses) | $-7,000 | 7,410 |
| Applicable income taxes | $566,000 | 3,165 |
| Income before extraordinary items | $1,239,000 | 4,264 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,239,000 | 4,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 1,265 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,243,830 | 4,237 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,834,000 | 2,705 |
| Total interest expense | $2,486,000 | 2,941 |
| Net interest income | $6,348,000 | 2,552 |
| Provision for loan and lease losses | $265,000 | 2,443 |
| Total noninterest income | $564,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $289,000 | 3,649 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $275,000 | 3,952 |
| Total noninterest expense | $5,202,000 | 2,384 |
| Salaries and employee benefits | $3,081,000 | 2,210 |
| Premises and equipment expense | $468,000 | 3,528 |
| Additional noninterest expense | $1,653,000 | 2,234 |
| Pre-tax net operating income | $1,445,000 | 3,860 |
| Securities gains (losses) | $-7,000 | 7,795 |
| Applicable income taxes | $451,000 | 3,119 |
| Income before extraordinary items | $987,000 | 4,195 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $987,000 | 4,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 1,598 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $991,830 | 4,134 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,727,000 | 2,703 |
| Total interest expense | $1,519,000 | 3,013 |
| Net interest income | $4,208,000 | 2,539 |
| Provision for loan and lease losses | $153,000 | 2,583 |
| Total noninterest income | $393,000 | 4,096 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $199,000 | 3,528 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $194,000 | 3,809 |
| Total noninterest expense | $3,480,000 | 2,366 |
| Salaries and employee benefits | $2,062,000 | 2,195 |
| Premises and equipment expense | $308,000 | 3,540 |
| Additional noninterest expense | $1,110,000 | 2,206 |
| Pre-tax net operating income | $968,000 | 3,792 |
| Securities gains (losses) | $-8,000 | 8,078 |
| Applicable income taxes | $301,000 | 3,104 |
| Income before extraordinary items | $659,000 | 4,162 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $659,000 | 4,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,091 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $664,520 | 4,083 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,770,000 | 2,749 |
| Total interest expense | $688,000 | 3,165 |
| Net interest income | $2,082,000 | 2,565 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $188,000 | 4,139 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $90,000 | 3,686 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $98,000 | 3,767 |
| Total noninterest expense | $1,619,000 | 2,530 |
| Salaries and employee benefits | $973,000 | 2,341 |
| Premises and equipment expense | $172,000 | 3,284 |
| Additional noninterest expense | $474,000 | 2,562 |
| Pre-tax net operating income | $501,000 | 3,675 |
| Securities gains (losses) | $-8,000 | 8,484 |
| Applicable income taxes | $159,000 | 3,012 |
| Income before extraordinary items | $334,000 | 4,076 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $334,000 | 4,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 1,469 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $339,440 | 4,000 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,909,000 | 2,860 |
| Total interest expense | $2,415,000 | 3,128 |
| Net interest income | $7,494,000 | 2,700 |
| Provision for loan and lease losses | $671,000 | 1,509 |
| Total noninterest income | $761,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $323,000 | 4,154 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $438,000 | 3,550 |
| Total noninterest expense | $5,696,000 | 2,780 |
| Salaries and employee benefits | $3,462,000 | 2,515 |
| Premises and equipment expense | $447,000 | 4,427 |
| Additional noninterest expense | $1,787,000 | 2,662 |
| Pre-tax net operating income | $1,888,000 | 3,648 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $593,000 | 3,052 |
| Income before extraordinary items | $1,295,000 | 3,999 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,295,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,535 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,295,000 | 3,947 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,245,000 | 2,893 |
| Total interest expense | $1,755,000 | 3,163 |
| Net interest income | $5,490,000 | 2,739 |
| Provision for loan and lease losses | $514,000 | 1,422 |
| Total noninterest income | $574,000 | 4,192 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $239,000 | 4,206 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $335,000 | 3,523 |
| Total noninterest expense | $4,202,000 | 2,795 |
| Salaries and employee benefits | $2,568,000 | 2,514 |
| Premises and equipment expense | $328,000 | 4,493 |
| Additional noninterest expense | $1,306,000 | 2,694 |
| Pre-tax net operating income | $1,348,000 | 3,860 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $432,000 | 3,174 |
| Income before extraordinary items | $916,000 | 4,222 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $916,000 | 4,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,732 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $916,000 | 4,153 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,641,000 | 2,984 |
| Total interest expense | $1,138,000 | 3,211 |
| Net interest income | $3,503,000 | 2,847 |
| Provision for loan and lease losses | $314,000 | 1,479 |
| Total noninterest income | $359,000 | 4,363 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $155,000 | 4,246 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $204,000 | 3,694 |
| Total noninterest expense | $2,720,000 | 2,870 |
| Salaries and employee benefits | $1,693,000 | 2,542 |
| Premises and equipment expense | $192,000 | 4,896 |
| Additional noninterest expense | $835,000 | 2,816 |
| Pre-tax net operating income | $828,000 | 4,021 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $248,000 | 3,406 |
| Income before extraordinary items | $580,000 | 4,347 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $580,000 | 4,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $580,000 | 4,248 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,227,000 | 3,091 |
| Total interest expense | $572,000 | 3,240 |
| Net interest income | $1,655,000 | 2,998 |
| Provision for loan and lease losses | $111,000 | 1,949 |
| Total noninterest income | $169,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $72,000 | 4,358 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $97,000 | 3,782 |
| Total noninterest expense | $1,387,000 | 2,830 |
| Salaries and employee benefits | $885,000 | 2,445 |
| Premises and equipment expense | $92,000 | 5,093 |
| Additional noninterest expense | $410,000 | 2,845 |
| Pre-tax net operating income | $326,000 | 4,619 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $79,000 | 4,163 |
| Income before extraordinary items | $247,000 | 4,791 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $247,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $247,000 | 4,672 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,625,000 | 3,213 |
| Total interest expense | $2,287,000 | 3,590 |
| Net interest income | $6,338,000 | 3,029 |
| Provision for loan and lease losses | $602,000 | 1,830 |
| Total noninterest income | $840,000 | 4,112 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $242,000 | 4,826 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $598,000 | 3,263 |
| Total noninterest expense | $4,425,000 | 3,394 |
| Salaries and employee benefits | $2,725,000 | 3,024 |
| Premises and equipment expense | $364,000 | 5,044 |
| Additional noninterest expense | $1,336,000 | 3,415 |
| Pre-tax net operating income | $2,151,000 | 3,229 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $774,000 | 2,595 |
| Income before extraordinary items | $1,377,000 | 3,778 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,377,000 | 3,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 2,024 |
| Cash dividends | $46,000 | 5,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,377,000 | 3,620 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,441,000 | 3,274 |
| Total interest expense | $1,714,000 | 3,699 |
| Net interest income | $4,727,000 | 3,050 |
| Provision for loan and lease losses | $462,000 | 1,773 |
| Total noninterest income | $570,000 | 4,386 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $174,000 | 4,953 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $396,000 | 3,547 |
| Total noninterest expense | $3,190,000 | 3,511 |
| Salaries and employee benefits | $1,973,000 | 3,126 |
| Premises and equipment expense | $266,000 | 5,120 |
| Additional noninterest expense | $951,000 | 3,542 |
| Pre-tax net operating income | $1,645,000 | 3,306 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $556,000 | 2,826 |
| Income before extraordinary items | $1,089,000 | 3,777 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,089,000 | 3,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 1,534 |
| Cash dividends | $46,000 | 5,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,089,000 | 3,605 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,226,000 | 3,342 |
| Total interest expense | $1,164,000 | 3,764 |
| Net interest income | $3,062,000 | 3,129 |
| Provision for loan and lease losses | $277,000 | 1,964 |
| Total noninterest income | $369,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $111,000 | 5,017 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $258,000 | 3,567 |
| Total noninterest expense | $2,109,000 | 3,530 |
| Salaries and employee benefits | $1,280,000 | 3,205 |
| Premises and equipment expense | $183,000 | 4,991 |
| Additional noninterest expense | $646,000 | 3,474 |
| Pre-tax net operating income | $1,045,000 | 3,412 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $348,000 | 2,960 |
| Income before extraordinary items | $697,000 | 3,879 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $697,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 1,101 |
| Cash dividends | $36,000 | 4,898 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $697,000 | 3,688 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,115,000 | 3,366 |
| Total interest expense | $592,000 | 3,793 |
| Net interest income | $1,523,000 | 3,135 |
| Provision for loan and lease losses | $140,000 | 1,874 |
| Total noninterest income | $168,000 | 4,593 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $51,000 | 5,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $117,000 | 3,650 |
| Total noninterest expense | $1,058,000 | 3,495 |
| Salaries and employee benefits | $648,000 | 3,147 |
| Premises and equipment expense | $91,000 | 5,012 |
| Additional noninterest expense | $319,000 | 3,468 |
| Pre-tax net operating income | $493,000 | 3,530 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $185,000 | 2,834 |
| Income before extraordinary items | $308,000 | 4,159 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $308,000 | 4,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $308,000 | 3,971 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,039,000 | 3,628 |
| Total interest expense | $2,678,000 | 3,887 |
| Net interest income | $5,361,000 | 3,455 |
| Provision for loan and lease losses | $482,000 | 2,435 |
| Total noninterest income | $567,000 | 4,874 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $183,000 | 5,416 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $384,000 | 3,784 |
| Total noninterest expense | $3,848,000 | 3,666 |
| Salaries and employee benefits | $2,330,000 | 3,316 |
| Premises and equipment expense | $344,000 | 5,151 |
| Additional noninterest expense | $1,174,000 | 3,672 |
| Pre-tax net operating income | $1,598,000 | 3,942 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $542,000 | 3,304 |
| Income before extraordinary items | $1,056,000 | 4,440 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,056,000 | 4,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,939 |
| Cash dividends | $65,000 | 5,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,056,000 | 4,330 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,730,000 | 4,138 |
| Total interest expense | $3,511,000 | 4,197 |
| Net interest income | $4,219,000 | 3,958 |
| Provision for loan and lease losses | $217,000 | 3,949 |
| Total noninterest income | $489,000 | 5,126 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $176,000 | 5,441 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $313,000 | 4,024 |
| Total noninterest expense | $3,296,000 | 4,024 |
| Salaries and employee benefits | $1,901,000 | 3,737 |
| Premises and equipment expense | $280,000 | 5,742 |
| Additional noninterest expense | $1,115,000 | 3,726 |
| Pre-tax net operating income | $1,195,000 | 4,424 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $399,000 | 3,740 |
| Income before extraordinary items | $796,000 | 4,886 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $796,000 | 4,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,161 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $237,000 | 565 |
| Net operating income | $796,000 | 4,770 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,787,000 | 4,698 |
| Total interest expense | $2,771,000 | 5,217 |
| Net interest income | $4,016,000 | 4,172 |
| Provision for loan and lease losses | $392,000 | 2,312 |
| Total noninterest income | $325,000 | 6,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 5,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 4,959 |
| Total noninterest expense | $2,477,000 | 4,889 |
| Salaries and employee benefits | $1,468,000 | 4,433 |
| Premises and equipment expense | $206,000 | 6,674 |
| Additional noninterest expense | $803,000 | 4,736 |
| Pre-tax net operating income | $1,472,000 | 4,117 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $471,000 | 3,615 |
| Income before extraordinary items | $1,001,000 | 4,391 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,001,000 | 4,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 738 |
| Net operating income | $1,001,000 | 4,389 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,872,000 | 5,662 |
| Total interest expense | $2,083,000 | 5,857 |
| Net interest income | $2,789,000 | 5,440 |
| Provision for loan and lease losses | $666,000 | 1,375 |
| Total noninterest income | $185,000 | 7,664 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,013 |
| Total noninterest expense | $1,963,000 | 5,759 |
| Salaries and employee benefits | $1,070,000 | 5,628 |
| Premises and equipment expense | $189,000 | 6,987 |
| Additional noninterest expense | $704,000 | 5,219 |
| Pre-tax net operating income | $345,000 | 7,861 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $146,000 | 6,331 |
| Income before extraordinary items | $199,000 | 8,323 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $199,000 | 8,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 1,216 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 841 |
| Net operating income | $199,000 | 8,285 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,494,000 | 6,960 |
| Total interest expense | $1,352,000 | 7,533 |
| Net interest income | $2,142,000 | 6,409 |
| Provision for loan and lease losses | $313,000 | 2,512 |
| Total noninterest income | $87,000 | 9,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 7,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $1,348,000 | 7,107 |
| Salaries and employee benefits | $776,000 | 6,789 |
| Premises and equipment expense | $115,000 | 8,378 |
| Additional noninterest expense | $457,000 | 6,742 |
| Pre-tax net operating income | $568,000 | 7,069 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $168,000 | 6,606 |
| Income before extraordinary items | $400,000 | 7,219 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $400,000 | 7,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $651,000 | 526 |
| Net operating income | $400,000 | 7,128 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,686,000 | 9,442 |
| Total interest expense | $626,000 | 9,757 |
| Net interest income | $1,060,000 | 9,041 |
| Provision for loan and lease losses | $158,000 | 4,024 |
| Total noninterest income | $42,000 | 10,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 9,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $909,000 | 8,647 |
| Salaries and employee benefits | $484,000 | 8,718 |
| Premises and equipment expense | $90,000 | 9,218 |
| Additional noninterest expense | $335,000 | 7,955 |
| Pre-tax net operating income | $35,000 | 10,284 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-75,000 | 10,672 |
| Income before extraordinary items | $110,000 | 9,901 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $110,000 | 9,901 |
| 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 | $1,831,000 | 387 |
| Net operating income | $110,000 | 9,858 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $184,000 | 11,377 |
| Total interest expense | $56,000 | 11,363 |
| Net interest income | $128,000 | 11,376 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $3,000 | 11,374 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,861 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,358 |
| Total noninterest expense | $409,000 | 10,941 |
| Salaries and employee benefits | $150,000 | 11,239 |
| Premises and equipment expense | $29,000 | 11,154 |
| Additional noninterest expense | $230,000 | 9,603 |
| Pre-tax net operating income | $-318,000 | 11,150 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-318,000 | 11,188 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-318,000 | 11,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 146 |
| Net operating income | $-318,000 | 11,159 |
* 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.