Home > Community Bank of Central California > Income and Expense
Community Bank of Central California, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $74,045,000 | 473 |
| Total interest expense | $17,032,000 | 675 |
| Net interest income | $57,013,000 | 415 |
| Provision for loan and lease losses | $1,400,000 | 768 |
| Total noninterest income | $4,325,000 | 1,204 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,121,000 | 539 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,204,000 | 1,962 |
| Total noninterest expense | $27,071,000 | 637 |
| Salaries and employee benefits | $7,774,000 | 1,183 |
| Premises and equipment expense | $3,084,000 | 787 |
| Additional noninterest expense | $16,213,000 | 398 |
| Pre-tax net operating income | $32,867,000 | 378 |
| Securities gains (losses) | $12,000 | 1,423 |
| Applicable income taxes | $12,833,000 | 333 |
| Income before extraordinary items | $20,046,000 | 413 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $20,046,000 | 413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,442,000 | 8,827 |
| Cash dividends | $4,500,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $20,038,320 | 406 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $53,727,000 | 476 |
| Total interest expense | $12,236,000 | 668 |
| Net interest income | $41,491,000 | 419 |
| Provision for loan and lease losses | $1,400,000 | 546 |
| Total noninterest income | $3,261,000 | 1,210 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,326,000 | 542 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $935,000 | 1,905 |
| Total noninterest expense | $21,019,000 | 622 |
| Salaries and employee benefits | $6,422,000 | 1,067 |
| Premises and equipment expense | $2,359,000 | 764 |
| Additional noninterest expense | $12,238,000 | 385 |
| Pre-tax net operating income | $22,333,000 | 401 |
| Securities gains (losses) | $12,000 | 1,416 |
| Applicable income taxes | $8,513,000 | 364 |
| Income before extraordinary items | $13,832,000 | 447 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $13,832,000 | 447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,307 |
| Cash dividends | $4,500,000 | 523 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $13,824,320 | 435 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $34,488,000 | 476 |
| Total interest expense | $7,716,000 | 659 |
| Net interest income | $26,772,000 | 426 |
| Provision for loan and lease losses | $1,400,000 | 366 |
| Total noninterest income | $2,124,000 | 1,212 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,513,000 | 548 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $611,000 | 1,906 |
| Total noninterest expense | $13,940,000 | 621 |
| Salaries and employee benefits | $4,253,000 | 1,070 |
| Premises and equipment expense | $1,522,000 | 784 |
| Additional noninterest expense | $8,165,000 | 380 |
| Pre-tax net operating income | $13,556,000 | 429 |
| Securities gains (losses) | $12,000 | 1,290 |
| Applicable income taxes | $5,207,000 | 394 |
| Income before extraordinary items | $8,361,000 | 475 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,361,000 | 475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 1,437 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $8,353,320 | 460 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $16,526,000 | 481 |
| Total interest expense | $3,573,000 | 675 |
| Net interest income | $12,953,000 | 429 |
| Provision for loan and lease losses | $1,150,000 | 233 |
| Total noninterest income | $994,000 | 1,251 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $717,000 | 557 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $277,000 | 1,991 |
| Total noninterest expense | $6,689,000 | 637 |
| Salaries and employee benefits | $2,107,000 | 1,076 |
| Premises and equipment expense | $732,000 | 808 |
| Additional noninterest expense | $3,850,000 | 389 |
| Pre-tax net operating income | $6,108,000 | 462 |
| Securities gains (losses) | $12,000 | 950 |
| Applicable income taxes | $2,322,000 | 420 |
| Income before extraordinary items | $3,798,000 | 504 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,798,000 | 504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 894 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,790,320 | 485 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $55,239,000 | 533 |
| Total interest expense | $11,277,000 | 741 |
| Net interest income | $43,962,000 | 472 |
| Provision for loan and lease losses | $3,041,000 | 375 |
| Total noninterest income | $4,440,000 | 1,180 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,106,000 | 556 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,334,000 | 1,774 |
| Total noninterest expense | $25,182,000 | 654 |
| Salaries and employee benefits | $7,506,000 | 1,152 |
| Premises and equipment expense | $2,901,000 | 780 |
| Additional noninterest expense | $14,775,000 | 403 |
| Pre-tax net operating income | $20,179,000 | 491 |
| Securities gains (losses) | $-130,000 | 8,761 |
| Applicable income taxes | $6,936,000 | 472 |
| Income before extraordinary items | $13,113,000 | 537 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $13,113,000 | 538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,361,000 | 311 |
| Cash dividends | $2,000,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $13,197,500 | 517 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $39,883,000 | 545 |
| Total interest expense | $8,267,000 | 739 |
| Net interest income | $31,616,000 | 486 |
| Provision for loan and lease losses | $1,540,000 | 514 |
| Total noninterest income | $3,208,000 | 1,237 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,346,000 | 560 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $862,000 | 1,976 |
| Total noninterest expense | $18,195,000 | 672 |
| Salaries and employee benefits | $5,561,000 | 1,169 |
| Premises and equipment expense | $2,096,000 | 810 |
| Additional noninterest expense | $10,538,000 | 419 |
| Pre-tax net operating income | $15,089,000 | 484 |
| Securities gains (losses) | $-116,000 | 8,901 |
| Applicable income taxes | $5,180,000 | 474 |
| Income before extraordinary items | $9,793,000 | 536 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $9,793,000 | 537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,352,000 | 243 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $9,868,400 | 511 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $25,949,000 | 546 |
| Total interest expense | $5,414,000 | 735 |
| Net interest income | $20,535,000 | 486 |
| Provision for loan and lease losses | $655,000 | 772 |
| Total noninterest income | $2,113,000 | 1,240 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,547,000 | 566 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $566,000 | 2,003 |
| Total noninterest expense | $11,957,000 | 680 |
| Salaries and employee benefits | $3,638,000 | 1,197 |
| Premises and equipment expense | $1,359,000 | 828 |
| Additional noninterest expense | $6,960,000 | 411 |
| Pre-tax net operating income | $10,036,000 | 486 |
| Securities gains (losses) | $-104,000 | 8,971 |
| Applicable income taxes | $3,436,000 | 477 |
| Income before extraordinary items | $6,496,000 | 545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,496,000 | 544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,586 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,563,600 | 515 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $12,745,000 | 560 |
| Total interest expense | $2,716,000 | 742 |
| Net interest income | $10,029,000 | 510 |
| Provision for loan and lease losses | $65,000 | 2,836 |
| Total noninterest income | $995,000 | 1,258 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $740,000 | 581 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $255,000 | 2,104 |
| Total noninterest expense | $5,960,000 | 685 |
| Salaries and employee benefits | $1,784,000 | 1,241 |
| Premises and equipment expense | $660,000 | 862 |
| Additional noninterest expense | $3,516,000 | 406 |
| Pre-tax net operating income | $4,999,000 | 480 |
| Securities gains (losses) | $-104,000 | 9,066 |
| Applicable income taxes | $1,694,000 | 488 |
| Income before extraordinary items | $3,201,000 | 558 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,201,000 | 557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,268,600 | 513 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $49,008,000 | 573 |
| Total interest expense | $11,566,000 | 761 |
| Net interest income | $37,442,000 | 523 |
| Provision for loan and lease losses | $1,475,000 | 836 |
| Total noninterest income | $4,987,000 | 1,138 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,119,000 | 556 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,868,000 | 1,545 |
| Total noninterest expense | $23,390,000 | 698 |
| Salaries and employee benefits | $6,572,000 | 1,309 |
| Premises and equipment expense | $2,629,000 | 850 |
| Additional noninterest expense | $14,189,000 | 426 |
| Pre-tax net operating income | $17,564,000 | 531 |
| Securities gains (losses) | $590,000 | 671 |
| Applicable income taxes | $6,469,000 | 503 |
| Income before extraordinary items | $11,685,000 | 584 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $11,685,000 | 585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,755 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $11,307,400 | 564 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $36,585,000 | 592 |
| Total interest expense | $8,824,000 | 787 |
| Net interest income | $27,761,000 | 534 |
| Provision for loan and lease losses | $930,000 | 953 |
| Total noninterest income | $3,666,000 | 1,168 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,330,000 | 565 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,336,000 | 1,668 |
| Total noninterest expense | $17,441,000 | 721 |
| Salaries and employee benefits | $4,907,000 | 1,333 |
| Premises and equipment expense | $1,895,000 | 903 |
| Additional noninterest expense | $10,639,000 | 435 |
| Pre-tax net operating income | $13,056,000 | 545 |
| Securities gains (losses) | $430,000 | 758 |
| Applicable income taxes | $4,718,000 | 534 |
| Income before extraordinary items | $8,768,000 | 601 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $8,768,000 | 601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-106,000 | 9,098 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $8,488,500 | 566 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $24,132,000 | 603 |
| Total interest expense | $5,980,000 | 805 |
| Net interest income | $18,152,000 | 548 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $2,314,000 | 1,222 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,524,000 | 569 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $790,000 | 1,799 |
| Total noninterest expense | $11,482,000 | 719 |
| Salaries and employee benefits | $3,228,000 | 1,350 |
| Premises and equipment expense | $1,254,000 | 913 |
| Additional noninterest expense | $7,000,000 | 441 |
| Pre-tax net operating income | $8,684,000 | 541 |
| Securities gains (losses) | $254,000 | 911 |
| Applicable income taxes | $3,129,000 | 537 |
| Income before extraordinary items | $5,809,000 | 606 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,809,000 | 605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,017 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $5,643,900 | 570 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $12,155,000 | 603 |
| Total interest expense | $3,068,000 | 802 |
| Net interest income | $9,087,000 | 550 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $1,000,000 | 1,334 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $687,000 | 606 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $313,000 | 2,054 |
| Total noninterest expense | $5,584,000 | 744 |
| Salaries and employee benefits | $1,611,000 | 1,347 |
| Premises and equipment expense | $613,000 | 942 |
| Additional noninterest expense | $3,360,000 | 446 |
| Pre-tax net operating income | $4,503,000 | 531 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,576,000 | 542 |
| Income before extraordinary items | $2,927,000 | 601 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,927,000 | 599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 9,160 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,927,000 | 561 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $50,178,000 | 615 |
| Total interest expense | $13,955,000 | 804 |
| Net interest income | $36,223,000 | 542 |
| Provision for loan and lease losses | $3,584,000 | 485 |
| Total noninterest income | $3,534,000 | 1,368 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,342,000 | 689 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,192,000 | 1,944 |
| Total noninterest expense | $20,469,000 | 783 |
| Salaries and employee benefits | $5,868,000 | 1,380 |
| Premises and equipment expense | $1,958,000 | 1,122 |
| Additional noninterest expense | $12,643,000 | 472 |
| Pre-tax net operating income | $15,704,000 | 561 |
| Securities gains (losses) | $102,000 | 1,731 |
| Applicable income taxes | $5,562,000 | 540 |
| Income before extraordinary items | $10,244,000 | 614 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $10,244,000 | 615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 4,128 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $10,177,700 | 592 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $51,638,000 | 683 |
| Total interest expense | $18,360,000 | 898 |
| Net interest income | $33,278,000 | 558 |
| Provision for loan and lease losses | $2,635,000 | 563 |
| Total noninterest income | $2,928,000 | 1,505 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,924,000 | 759 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,004,000 | 2,037 |
| Total noninterest expense | $19,269,000 | 784 |
| Salaries and employee benefits | $5,484,000 | 1,371 |
| Premises and equipment expense | $1,624,000 | 1,319 |
| Additional noninterest expense | $12,161,000 | 497 |
| Pre-tax net operating income | $14,302,000 | 556 |
| Securities gains (losses) | $168,000 | 1,335 |
| Applicable income taxes | $5,083,000 | 537 |
| Income before extraordinary items | $9,387,000 | 599 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $9,387,000 | 600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,477 |
| Cash dividends | $10,500,000 | 352 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $9,277,800 | 575 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $51,415,000 | 711 |
| Total interest expense | $18,290,000 | 980 |
| Net interest income | $33,125,000 | 564 |
| Provision for loan and lease losses | $3,983,000 | 377 |
| Total noninterest income | $2,613,000 | 1,527 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,749,000 | 775 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $864,000 | 2,048 |
| Total noninterest expense | $16,837,000 | 845 |
| Salaries and employee benefits | $4,425,000 | 1,609 |
| Premises and equipment expense | $1,564,000 | 1,308 |
| Additional noninterest expense | $10,848,000 | 552 |
| Pre-tax net operating income | $14,918,000 | 564 |
| Securities gains (losses) | $-194,000 | 9,566 |
| Applicable income taxes | $5,447,000 | 521 |
| Income before extraordinary items | $9,277,000 | 612 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $9,277,000 | 612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,340 |
| Cash dividends | $7,000,000 | 482 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $9,401,160 | 595 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $41,516,000 | 817 |
| Total interest expense | $13,648,000 | 1,114 |
| Net interest income | $27,868,000 | 671 |
| Provision for loan and lease losses | $1,484,000 | 703 |
| Total noninterest income | $2,172,000 | 1,746 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,348,000 | 990 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $824,000 | 2,124 |
| Total noninterest expense | $15,430,000 | 920 |
| Salaries and employee benefits | $4,106,000 | 1,676 |
| Premises and equipment expense | $1,334,000 | 1,538 |
| Additional noninterest expense | $9,990,000 | 606 |
| Pre-tax net operating income | $13,126,000 | 664 |
| Securities gains (losses) | $45,000 | 1,019 |
| Applicable income taxes | $4,810,000 | 614 |
| Income before extraordinary items | $8,361,000 | 708 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,361,000 | 707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,139 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $8,332,200 | 698 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $33,373,000 | 988 |
| Total interest expense | $11,969,000 | 1,296 |
| Net interest income | $21,404,000 | 796 |
| Provision for loan and lease losses | $17,000 | 7,887 |
| Total noninterest income | $1,667,000 | 2,094 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $944,000 | 1,321 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $723,000 | 2,333 |
| Total noninterest expense | $9,745,000 | 1,348 |
| Salaries and employee benefits | $2,652,000 | 2,544 |
| Premises and equipment expense | $652,000 | 2,954 |
| Additional noninterest expense | $6,441,000 | 805 |
| Pre-tax net operating income | $13,309,000 | 621 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $5,437,000 | 543 |
| Income before extraordinary items | $7,872,000 | 722 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $7,872,000 | 722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 10,046 |
| Cash dividends | $1,500,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $7,872,000 | 696 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $30,224,000 | 1,117 |
| Total interest expense | $10,765,000 | 1,452 |
| Net interest income | $19,459,000 | 920 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $1,279,000 | 2,487 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $782,000 | 1,658 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $497,000 | 2,835 |
| Total noninterest expense | $7,839,000 | 1,666 |
| Salaries and employee benefits | $2,415,000 | 2,735 |
| Premises and equipment expense | $556,000 | 3,386 |
| Additional noninterest expense | $4,868,000 | 984 |
| Pre-tax net operating income | $12,849,000 | 650 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $5,432,000 | 577 |
| Income before extraordinary items | $7,417,000 | 764 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,417,000 | 766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,116 |
| Cash dividends | $2,000,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,417,000 | 749 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,525,000 | 1,338 |
| Total interest expense | $8,246,000 | 1,902 |
| Net interest income | $17,279,000 | 1,049 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $856,000 | 3,512 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $413,000 | 3,250 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $443,000 | 3,179 |
| Total noninterest expense | $7,725,000 | 1,834 |
| Salaries and employee benefits | $4,405,000 | 1,514 |
| Premises and equipment expense | $836,000 | 2,354 |
| Additional noninterest expense | $2,484,000 | 2,020 |
| Pre-tax net operating income | $10,310,000 | 770 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $4,284,000 | 658 |
| Income before extraordinary items | $6,026,000 | 885 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,026,000 | 887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,358 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,026,000 | 865 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,580,000 | 1,459 |
| Total interest expense | $8,622,000 | 1,836 |
| Net interest income | $14,958,000 | 1,200 |
| Provision for loan and lease losses | $545,000 | 1,467 |
| Total noninterest income | $737,000 | 3,928 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $364,000 | 3,638 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $373,000 | 3,464 |
| Total noninterest expense | $7,851,000 | 1,780 |
| Salaries and employee benefits | $4,441,000 | 1,495 |
| Premises and equipment expense | $999,000 | 2,021 |
| Additional noninterest expense | $2,411,000 | 2,058 |
| Pre-tax net operating income | $7,299,000 | 1,072 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $3,040,000 | 913 |
| Income before extraordinary items | $4,259,000 | 1,247 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,259,000 | 1,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,127 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,259,000 | 1,221 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $19,106,000 | 1,614 |
| Total interest expense | $6,255,000 | 2,002 |
| Net interest income | $12,851,000 | 1,390 |
| Provision for loan and lease losses | $1,535,000 | 701 |
| Total noninterest income | $747,000 | 3,926 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $329,000 | 4,049 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $418,000 | 3,313 |
| Total noninterest expense | $7,167,000 | 1,994 |
| Salaries and employee benefits | $4,141,000 | 1,616 |
| Premises and equipment expense | $966,000 | 2,094 |
| Additional noninterest expense | $2,060,000 | 2,509 |
| Pre-tax net operating income | $4,896,000 | 1,497 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $2,083,000 | 1,165 |
| Income before extraordinary items | $2,813,000 | 1,749 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,813,000 | 1,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 1,939 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 842 |
| Net operating income | $2,813,000 | 1,746 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,112,000 | 1,947 |
| Total interest expense | $5,366,000 | 2,408 |
| Net interest income | $10,746,000 | 1,691 |
| Provision for loan and lease losses | $605,000 | 1,829 |
| Total noninterest income | $776,000 | 4,081 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $319,000 | 4,203 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $457,000 | 3,448 |
| Total noninterest expense | $6,652,000 | 2,189 |
| Salaries and employee benefits | $3,725,000 | 1,800 |
| Premises and equipment expense | $973,000 | 2,106 |
| Additional noninterest expense | $1,954,000 | 2,789 |
| Pre-tax net operating income | $4,265,000 | 1,623 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,760,000 | 1,360 |
| Income before extraordinary items | $2,505,000 | 1,994 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,505,000 | 2,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,553 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $168,000 | 813 |
| Net operating income | $2,505,000 | 1,879 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,451,000 | 2,284 |
| Total interest expense | $5,914,000 | 2,817 |
| Net interest income | $9,537,000 | 1,918 |
| Provision for loan and lease losses | $457,000 | 3,195 |
| Total noninterest income | $784,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $317,000 | 4,255 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $467,000 | 3,333 |
| Total noninterest expense | $6,086,000 | 2,390 |
| Salaries and employee benefits | $3,390,000 | 1,932 |
| Premises and equipment expense | $912,000 | 2,279 |
| Additional noninterest expense | $1,784,000 | 3,080 |
| Pre-tax net operating income | $3,778,000 | 1,650 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,556,000 | 1,410 |
| Income before extraordinary items | $2,222,000 | 2,068 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,222,000 | 2,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 3,815 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $147,000 | 780 |
| Net operating income | $2,222,000 | 1,898 |
* 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.