Home > First Capital Bank > Income and Expense
First Capital Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,584,000 | 793 |
| Total interest expense | $9,854,000 | 813 |
| Net interest income | $19,730,000 | 796 |
| Provision for loan and lease losses | $450,000 | 1,533 |
| Total noninterest income | $1,031,000 | 2,847 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $59,000 | 6,651 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $972,000 | 1,856 |
| Total noninterest expense | $12,481,000 | 1,012 |
| Salaries and employee benefits | $7,364,000 | 919 |
| Premises and equipment expense | $1,301,000 | 1,403 |
| Additional noninterest expense | $3,816,000 | 1,008 |
| Pre-tax net operating income | $7,830,000 | 937 |
| Securities gains (losses) | $26,000 | 1,129 |
| Applicable income taxes | $2,887,000 | 804 |
| Income before extraordinary items | $4,969,000 | 1,080 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,969,000 | 1,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,657 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,952,360 | 1,068 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $19,098,000 | 802 |
| Total interest expense | $6,121,000 | 824 |
| Net interest income | $12,977,000 | 806 |
| Provision for loan and lease losses | $300,000 | 1,505 |
| Total noninterest income | $610,000 | 3,054 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $39,000 | 6,647 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $571,000 | 2,001 |
| Total noninterest expense | $8,321,000 | 1,005 |
| Salaries and employee benefits | $4,965,000 | 896 |
| Premises and equipment expense | $881,000 | 1,373 |
| Additional noninterest expense | $2,475,000 | 1,020 |
| Pre-tax net operating income | $4,966,000 | 959 |
| Securities gains (losses) | $26,000 | 1,021 |
| Applicable income taxes | $1,852,000 | 806 |
| Income before extraordinary items | $3,140,000 | 1,119 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,140,000 | 1,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $750,000 | 1,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,123,360 | 1,100 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,435,000 | 797 |
| Total interest expense | $2,967,000 | 809 |
| Net interest income | $6,468,000 | 801 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $334,000 | 2,816 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $22,000 | 6,479 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $312,000 | 1,858 |
| Total noninterest expense | $4,156,000 | 1,002 |
| Salaries and employee benefits | $2,536,000 | 878 |
| Premises and equipment expense | $428,000 | 1,418 |
| Additional noninterest expense | $1,192,000 | 1,032 |
| Pre-tax net operating income | $2,496,000 | 939 |
| Securities gains (losses) | $5,000 | 1,192 |
| Applicable income taxes | $951,000 | 797 |
| Income before extraordinary items | $1,550,000 | 1,112 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,550,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $750,000 | 848 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,546,800 | 1,092 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $29,590,000 | 950 |
| Total interest expense | $10,131,000 | 806 |
| Net interest income | $19,459,000 | 1,021 |
| Provision for loan and lease losses | $1,325,000 | 809 |
| Total noninterest income | $944,000 | 3,685 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $92,000 | 6,594 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $852,000 | 2,387 |
| Total noninterest expense | $12,127,000 | 1,354 |
| Salaries and employee benefits | $7,202,000 | 1,209 |
| Premises and equipment expense | $1,115,000 | 2,058 |
| Additional noninterest expense | $3,810,000 | 1,305 |
| Pre-tax net operating income | $6,951,000 | 1,242 |
| Securities gains (losses) | $-32,000 | 8,501 |
| Applicable income taxes | $2,491,000 | 1,052 |
| Income before extraordinary items | $4,428,000 | 1,456 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,428,000 | 1,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,978 |
| Cash dividends | $1,461,000 | 1,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,448,480 | 1,402 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,648,000 | 1,175 |
| Total interest expense | $6,410,000 | 931 |
| Net interest income | $11,238,000 | 1,336 |
| Provision for loan and lease losses | $1,000,000 | 775 |
| Total noninterest income | $279,000 | 5,997 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $46,000 | 7,147 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $233,000 | 4,201 |
| Total noninterest expense | $6,646,000 | 1,818 |
| Salaries and employee benefits | $3,836,000 | 1,719 |
| Premises and equipment expense | $588,000 | 2,830 |
| Additional noninterest expense | $2,222,000 | 1,620 |
| Pre-tax net operating income | $3,871,000 | 1,666 |
| Securities gains (losses) | $-32,000 | 8,740 |
| Applicable income taxes | $1,382,000 | 1,381 |
| Income before extraordinary items | $2,457,000 | 1,928 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,457,000 | 1,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $1,461,000 | 1,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,477,480 | 1,866 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,494,000 | 1,189 |
| Total interest expense | $4,279,000 | 920 |
| Net interest income | $7,215,000 | 1,365 |
| Provision for loan and lease losses | $850,000 | 596 |
| Total noninterest income | $148,000 | 6,487 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $30,000 | 7,195 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $118,000 | 4,818 |
| Total noninterest expense | $4,215,000 | 1,896 |
| Salaries and employee benefits | $2,461,000 | 1,783 |
| Premises and equipment expense | $328,000 | 3,302 |
| Additional noninterest expense | $1,426,000 | 1,681 |
| Pre-tax net operating income | $2,298,000 | 1,823 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $827,000 | 1,490 |
| Income before extraordinary items | $1,471,000 | 2,109 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,471,000 | 2,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $461,000 | 2,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,471,000 | 2,047 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,522,000 | 1,255 |
| Total interest expense | $2,116,000 | 951 |
| Net interest income | $3,406,000 | 1,466 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $48,000 | 7,273 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $15,000 | 7,174 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $33,000 | 5,928 |
| Total noninterest expense | $1,974,000 | 2,035 |
| Salaries and employee benefits | $1,123,000 | 1,947 |
| Premises and equipment expense | $155,000 | 3,497 |
| Additional noninterest expense | $696,000 | 1,705 |
| Pre-tax net operating income | $1,430,000 | 1,447 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $515,000 | 1,268 |
| Income before extraordinary items | $915,000 | 1,713 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $915,000 | 1,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $361,000 | 1,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $915,000 | 1,632 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,482,000 | 1,474 |
| Total interest expense | $9,475,000 | 947 |
| Net interest income | $10,007,000 | 1,954 |
| Provision for loan and lease losses | $100,000 | 5,309 |
| Total noninterest income | $97,000 | 8,329 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $76,000 | 6,964 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $21,000 | 8,405 |
| Total noninterest expense | $6,191,000 | 2,527 |
| Salaries and employee benefits | $3,636,000 | 2,334 |
| Premises and equipment expense | $531,000 | 3,879 |
| Additional noninterest expense | $2,024,000 | 2,375 |
| Pre-tax net operating income | $3,813,000 | 2,045 |
| Securities gains (losses) | $-28,000 | 8,909 |
| Applicable income taxes | $1,388,000 | 1,739 |
| Income before extraordinary items | $2,397,000 | 2,466 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,397,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,366 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,414,920 | 2,334 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,487,000 | 1,517 |
| Total interest expense | $7,176,000 | 974 |
| Net interest income | $7,311,000 | 2,013 |
| Provision for loan and lease losses | $100,000 | 4,641 |
| Total noninterest income | $75,000 | 8,365 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $60,000 | 6,953 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,000 | 8,465 |
| Total noninterest expense | $4,500,000 | 2,610 |
| Salaries and employee benefits | $2,586,000 | 2,446 |
| Premises and equipment expense | $393,000 | 3,909 |
| Additional noninterest expense | $1,521,000 | 2,364 |
| Pre-tax net operating income | $2,786,000 | 2,173 |
| Securities gains (losses) | $-28,000 | 9,045 |
| Applicable income taxes | $1,012,000 | 1,842 |
| Income before extraordinary items | $1,746,000 | 2,624 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,746,000 | 2,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,593 |
| Cash dividends | $400,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,763,920 | 2,476 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,865,000 | 1,498 |
| Total interest expense | $5,021,000 | 956 |
| Net interest income | $4,844,000 | 2,021 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $51,000 | 8,344 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $38,000 | 7,025 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $13,000 | 8,275 |
| Total noninterest expense | $2,874,000 | 2,707 |
| Salaries and employee benefits | $1,628,000 | 2,579 |
| Premises and equipment expense | $262,000 | 3,895 |
| Additional noninterest expense | $984,000 | 2,401 |
| Pre-tax net operating income | $1,921,000 | 2,112 |
| Securities gains (losses) | $-49,000 | 9,157 |
| Applicable income taxes | $687,000 | 1,844 |
| Income before extraordinary items | $1,185,000 | 2,607 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,185,000 | 2,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $100,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,216,360 | 2,390 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,954,000 | 1,499 |
| Total interest expense | $2,599,000 | 946 |
| Net interest income | $2,355,000 | 2,080 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $31,000 | 8,103 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $20,000 | 6,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $1,368,000 | 2,808 |
| Salaries and employee benefits | $759,000 | 2,737 |
| Premises and equipment expense | $130,000 | 3,924 |
| Additional noninterest expense | $479,000 | 2,423 |
| Pre-tax net operating income | $958,000 | 2,119 |
| Securities gains (losses) | $-36,000 | 9,218 |
| Applicable income taxes | $338,000 | 1,876 |
| Income before extraordinary items | $584,000 | 2,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $584,000 | 2,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $607,040 | 2,382 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,869,000 | 1,626 |
| Total interest expense | $9,505,000 | 1,184 |
| Net interest income | $9,364,000 | 2,071 |
| Provision for loan and lease losses | $425,000 | 2,696 |
| Total noninterest income | $240,000 | 6,949 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $90,000 | 6,759 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $150,000 | 5,605 |
| Total noninterest expense | $5,038,000 | 2,909 |
| Salaries and employee benefits | $2,694,000 | 2,917 |
| Premises and equipment expense | $517,000 | 3,843 |
| Additional noninterest expense | $1,827,000 | 2,512 |
| Pre-tax net operating income | $4,141,000 | 1,931 |
| Securities gains (losses) | $258,000 | 1,003 |
| Applicable income taxes | $1,584,000 | 1,580 |
| Income before extraordinary items | $2,815,000 | 2,124 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,815,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $850,000 | 2,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,649,880 | 2,172 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $20,674,000 | 1,645 |
| Total interest expense | $11,675,000 | 1,391 |
| Net interest income | $8,999,000 | 1,978 |
| Provision for loan and lease losses | $480,000 | 2,273 |
| Total noninterest income | $206,000 | 7,252 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $137,000 | 5,988 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $69,000 | 7,145 |
| Total noninterest expense | $4,528,000 | 3,077 |
| Salaries and employee benefits | $2,326,000 | 3,151 |
| Premises and equipment expense | $688,000 | 2,991 |
| Additional noninterest expense | $1,514,000 | 2,844 |
| Pre-tax net operating income | $4,197,000 | 1,684 |
| Securities gains (losses) | $19,000 | 3,188 |
| Applicable income taxes | $1,518,000 | 1,481 |
| Income before extraordinary items | $2,698,000 | 1,952 |
| Extraordinary gains, net | $368,000 | 39 |
| Net income | $3,066,000 | 1,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 9,370 |
| Cash dividends | $1,600,000 | 1,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,685,840 | 1,876 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,897,000 | 1,574 |
| Total interest expense | $12,506,000 | 1,391 |
| Net interest income | $9,391,000 | 1,875 |
| Provision for loan and lease losses | $440,000 | 2,094 |
| Total noninterest income | $134,000 | 8,124 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $112,000 | 6,358 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $22,000 | 8,890 |
| Total noninterest expense | $4,074,000 | 3,283 |
| Salaries and employee benefits | $2,290,000 | 3,071 |
| Premises and equipment expense | $623,000 | 3,158 |
| Additional noninterest expense | $1,161,000 | 3,538 |
| Pre-tax net operating income | $5,011,000 | 1,478 |
| Securities gains (losses) | $-57,000 | 9,245 |
| Applicable income taxes | $1,754,000 | 1,312 |
| Income before extraordinary items | $3,200,000 | 1,638 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,200,000 | 1,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 9,623 |
| Cash dividends | $1,060,000 | 2,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,237,050 | 1,620 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,169,000 | 2,155 |
| Total interest expense | $7,588,000 | 1,967 |
| Net interest income | $7,581,000 | 2,330 |
| Provision for loan and lease losses | $467,000 | 1,875 |
| Total noninterest income | $216,000 | 7,301 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $103,000 | 6,651 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $113,000 | 6,337 |
| Total noninterest expense | $4,090,000 | 3,252 |
| Salaries and employee benefits | $2,197,000 | 3,146 |
| Premises and equipment expense | $735,000 | 2,754 |
| Additional noninterest expense | $1,158,000 | 3,552 |
| Pre-tax net operating income | $3,240,000 | 2,247 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $1,147,000 | 1,994 |
| Income before extraordinary items | $2,095,000 | 2,475 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,095,000 | 2,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,732 |
| Cash dividends | $900,000 | 2,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,093,700 | 2,437 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,081,000 | 2,693 |
| Total interest expense | $5,730,000 | 2,646 |
| Net interest income | $6,351,000 | 2,703 |
| Provision for loan and lease losses | $290,000 | 2,708 |
| Total noninterest income | $239,000 | 7,126 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $139,000 | 6,109 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $100,000 | 6,633 |
| Total noninterest expense | $3,904,000 | 3,279 |
| Salaries and employee benefits | $2,133,000 | 3,145 |
| Premises and equipment expense | $661,000 | 2,918 |
| Additional noninterest expense | $1,110,000 | 3,598 |
| Pre-tax net operating income | $2,396,000 | 2,890 |
| Securities gains (losses) | $34,000 | 2,031 |
| Applicable income taxes | $602,000 | 3,397 |
| Income before extraordinary items | $1,828,000 | 2,763 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,828,000 | 2,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,589 |
| Cash dividends | $700,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,802,500 | 2,712 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,277,000 | 3,163 |
| Total interest expense | $5,050,000 | 2,949 |
| Net interest income | $5,227,000 | 3,338 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $277,000 | 6,927 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $117,000 | 6,834 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $160,000 | 5,533 |
| Total noninterest expense | $3,232,000 | 3,864 |
| Salaries and employee benefits | $1,684,000 | 3,865 |
| Premises and equipment expense | $524,000 | 3,562 |
| Additional noninterest expense | $1,024,000 | 3,819 |
| Pre-tax net operating income | $2,222,000 | 3,223 |
| Securities gains (losses) | $-12,000 | 10,127 |
| Applicable income taxes | $774,000 | 3,001 |
| Income before extraordinary items | $1,436,000 | 3,481 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,436,000 | 3,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-179,000 | 10,806 |
| Cash dividends | $608,000 | 3,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,443,800 | 3,385 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,588,000 | 3,410 |
| Total interest expense | $4,576,000 | 3,272 |
| Net interest income | $5,012,000 | 3,524 |
| Provision for loan and lease losses | $140,000 | 4,234 |
| Total noninterest income | $404,000 | 5,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 7,081 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,206 |
| Total noninterest expense | $3,449,000 | 3,825 |
| Salaries and employee benefits | $1,777,000 | 3,712 |
| Premises and equipment expense | $428,000 | 4,300 |
| Additional noninterest expense | $1,244,000 | 3,673 |
| Pre-tax net operating income | $1,827,000 | 3,660 |
| Securities gains (losses) | $15,000 | 2,201 |
| Applicable income taxes | $626,000 | 3,464 |
| Income before extraordinary items | $1,216,000 | 3,832 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,216,000 | 3,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 2,245 |
| Cash dividends | $516,000 | 3,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,206,100 | 3,809 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,861,000 | 4,076 |
| Total interest expense | $3,487,000 | 4,173 |
| Net interest income | $4,374,000 | 4,003 |
| Provision for loan and lease losses | $200,000 | 2,992 |
| Total noninterest income | $455,000 | 5,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $327,000 | 3,798 |
| Total noninterest expense | $3,020,000 | 4,267 |
| Salaries and employee benefits | $1,656,000 | 3,919 |
| Premises and equipment expense | $444,000 | 4,153 |
| Additional noninterest expense | $920,000 | 4,680 |
| Pre-tax net operating income | $1,609,000 | 4,207 |
| Securities gains (losses) | $-39,000 | 11,026 |
| Applicable income taxes | $536,000 | 3,980 |
| Income before extraordinary items | $1,034,000 | 4,461 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,034,000 | 4,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,202 |
| Cash dividends | $540,000 | 3,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,059,740 | 4,375 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,837,000 | 4,991 |
| Total interest expense | $1,961,000 | 5,698 |
| Net interest income | $3,876,000 | 4,513 |
| Provision for loan and lease losses | $270,000 | 2,445 |
| Total noninterest income | $670,000 | 4,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,683 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $511,000 | 2,919 |
| Total noninterest expense | $3,102,000 | 4,291 |
| Salaries and employee benefits | $1,692,000 | 3,842 |
| Premises and equipment expense | $481,000 | 3,923 |
| Additional noninterest expense | $929,000 | 5,034 |
| Pre-tax net operating income | $1,174,000 | 5,325 |
| Securities gains (losses) | $-25,000 | 10,510 |
| Applicable income taxes | $23,000 | 11,093 |
| Income before extraordinary items | $1,126,000 | 4,090 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,126,000 | 4,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,895 |
| Cash dividends | $120,000 | 6,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,150,500 | 4,053 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,570,000 | 6,232 |
| Total interest expense | $1,598,000 | 6,883 |
| Net interest income | $2,972,000 | 5,696 |
| Provision for loan and lease losses | $204,000 | 3,872 |
| Total noninterest income | $822,000 | 3,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,646 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $654,000 | 2,716 |
| Total noninterest expense | $2,387,000 | 5,487 |
| Salaries and employee benefits | $1,227,000 | 5,133 |
| Premises and equipment expense | $375,000 | 4,965 |
| Additional noninterest expense | $785,000 | 6,011 |
| Pre-tax net operating income | $1,203,000 | 5,172 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $452,000 | 4,574 |
| Income before extraordinary items | $751,000 | 5,822 |
| Extraordinary gains, net | $435,000 | 528 |
| Net income | $1,186,000 | 4,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 5,721 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $751,000 | 5,574 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,389,000 | 12,208 |
| Total interest expense | $756,000 | 11,543 |
| Net interest income | $633,000 | 12,595 |
| Provision for loan and lease losses | $217,000 | 5,017 |
| Total noninterest income | $371,000 | 6,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 10,079 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $315,000 | 4,301 |
| Total noninterest expense | $1,473,000 | 8,019 |
| Salaries and employee benefits | $571,000 | 9,077 |
| Premises and equipment expense | $342,000 | 5,454 |
| Additional noninterest expense | $560,000 | 7,875 |
| Pre-tax net operating income | $-686,000 | 13,392 |
| Securities gains (losses) | $12,000 | 6,245 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-674,000 | 13,452 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-674,000 | 13,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 6,645 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-686,000 | 13,370 |
* 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.