Home > First Federal Bank > Income and Expense
First Federal Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,580,000 | 781 |
| Total interest expense | $4,572,000 | 536 |
| Net interest income | $5,008,000 | 1,036 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $789,000 | 1,510 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $789,000 | 961 |
| Total noninterest expense | $4,847,000 | 860 |
| Salaries and employee benefits | $2,331,000 | 957 |
| Premises and equipment expense | $945,000 | 630 |
| Additional noninterest expense | $1,571,000 | 801 |
| Pre-tax net operating income | $950,000 | 2,259 |
| Securities gains (losses) | $46,000 | 565 |
| Applicable income taxes | $288,000 | 2,038 |
| Income before extraordinary items | $708,000 | 2,304 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $708,000 | 2,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 598 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $675,340 | 2,354 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $39,849,000 | 699 |
| Total interest expense | $18,412,000 | 463 |
| Net interest income | $21,437,000 | 921 |
| Provision for loan and lease losses | $767,000 | 1,332 |
| Total noninterest income | $4,396,000 | 1,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,396,000 | 733 |
| Total noninterest expense | $19,789,000 | 813 |
| Salaries and employee benefits | $10,195,000 | 841 |
| Premises and equipment expense | $3,587,000 | 647 |
| Additional noninterest expense | $6,007,000 | 832 |
| Pre-tax net operating income | $5,277,000 | 1,618 |
| Securities gains (losses) | $1,355,000 | 229 |
| Applicable income taxes | $2,143,000 | 1,189 |
| Income before extraordinary items | $4,489,000 | 1,436 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,489,000 | 1,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,830,000 | 360 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,567,600 | 1,736 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $30,129,000 | 691 |
| Total interest expense | $13,662,000 | 455 |
| Net interest income | $16,467,000 | 895 |
| Provision for loan and lease losses | $767,000 | 993 |
| Total noninterest income | $3,486,000 | 1,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,486,000 | 724 |
| Total noninterest expense | $13,856,000 | 878 |
| Salaries and employee benefits | $7,084,000 | 907 |
| Premises and equipment expense | $2,694,000 | 644 |
| Additional noninterest expense | $4,078,000 | 911 |
| Pre-tax net operating income | $5,330,000 | 1,234 |
| Securities gains (losses) | $1,298,000 | 213 |
| Applicable income taxes | $2,181,000 | 946 |
| Income before extraordinary items | $4,447,000 | 1,106 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,447,000 | 1,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,632,000 | 288 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,577,340 | 1,325 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $20,134,000 | 679 |
| Total interest expense | $8,980,000 | 457 |
| Net interest income | $11,154,000 | 872 |
| Provision for loan and lease losses | $717,000 | 710 |
| Total noninterest income | $2,662,000 | 1,030 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,662,000 | 660 |
| Total noninterest expense | $9,297,000 | 878 |
| Salaries and employee benefits | $4,722,000 | 905 |
| Premises and equipment expense | $1,804,000 | 645 |
| Additional noninterest expense | $2,771,000 | 901 |
| Pre-tax net operating income | $3,802,000 | 1,135 |
| Securities gains (losses) | $1,144,000 | 194 |
| Applicable income taxes | $1,639,000 | 856 |
| Income before extraordinary items | $3,307,000 | 988 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,307,000 | 989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,398,000 | 234 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,540,520 | 1,235 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $10,130,000 | 686 |
| Total interest expense | $4,489,000 | 465 |
| Net interest income | $5,641,000 | 879 |
| Provision for loan and lease losses | $485,000 | 536 |
| Total noninterest income | $1,760,000 | 791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,760,000 | 526 |
| Total noninterest expense | $4,565,000 | 899 |
| Salaries and employee benefits | $2,288,000 | 945 |
| Premises and equipment expense | $868,000 | 677 |
| Additional noninterest expense | $1,409,000 | 882 |
| Pre-tax net operating income | $2,351,000 | 915 |
| Securities gains (losses) | $1,055,000 | 162 |
| Applicable income taxes | $981,000 | 745 |
| Income before extraordinary items | $2,425,000 | 691 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,425,000 | 691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 365 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,675,950 | 926 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $42,803,000 | 649 |
| Total interest expense | $22,605,000 | 406 |
| Net interest income | $20,198,000 | 948 |
| Provision for loan and lease losses | $7,242,000 | 252 |
| Total noninterest income | $4,705,000 | 1,190 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,705,000 | 798 |
| Total noninterest expense | $23,266,000 | 705 |
| Salaries and employee benefits | $12,312,000 | 689 |
| Premises and equipment expense | $3,821,000 | 595 |
| Additional noninterest expense | $7,133,000 | 734 |
| Pre-tax net operating income | $-5,605,000 | 9,144 |
| Securities gains (losses) | $2,395,000 | 265 |
| Applicable income taxes | $-2,300,000 | 9,158 |
| Income before extraordinary items | $-910,000 | 9,020 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-910,000 | 9,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,257,000 | 507 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-2,442,800 | 9,098 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $32,118,000 | 667 |
| Total interest expense | $17,410,000 | 419 |
| Net interest income | $14,708,000 | 989 |
| Provision for loan and lease losses | $6,482,000 | 229 |
| Total noninterest income | $3,559,000 | 1,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,559,000 | 821 |
| Total noninterest expense | $18,807,000 | 684 |
| Salaries and employee benefits | $10,123,000 | 649 |
| Premises and equipment expense | $2,901,000 | 599 |
| Additional noninterest expense | $5,783,000 | 691 |
| Pre-tax net operating income | $-7,022,000 | 9,212 |
| Securities gains (losses) | $1,938,000 | 282 |
| Applicable income taxes | $-2,732,000 | 9,220 |
| Income before extraordinary items | $-2,352,000 | 9,203 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-2,352,000 | 9,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,612,000 | 516 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-3,592,320 | 9,189 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $21,792,000 | 663 |
| Total interest expense | $12,000,000 | 423 |
| Net interest income | $9,792,000 | 990 |
| Provision for loan and lease losses | $1,460,000 | 495 |
| Total noninterest income | $2,493,000 | 1,158 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,493,000 | 787 |
| Total noninterest expense | $10,666,000 | 770 |
| Salaries and employee benefits | $5,110,000 | 839 |
| Premises and equipment expense | $1,935,000 | 602 |
| Additional noninterest expense | $3,621,000 | 725 |
| Pre-tax net operating income | $159,000 | 7,535 |
| Securities gains (losses) | $2,303,000 | 205 |
| Applicable income taxes | $619,000 | 2,004 |
| Income before extraordinary items | $1,843,000 | 1,756 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,843,000 | 1,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,015,000 | 521 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $115,750 | 7,621 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $11,768,000 | 624 |
| Total interest expense | $6,153,000 | 426 |
| Net interest income | $5,615,000 | 875 |
| Provision for loan and lease losses | $610,000 | 532 |
| Total noninterest income | $1,185,000 | 1,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,185,000 | 794 |
| Total noninterest expense | $5,272,000 | 771 |
| Salaries and employee benefits | $2,441,000 | 884 |
| Premises and equipment expense | $1,008,000 | 581 |
| Additional noninterest expense | $1,823,000 | 710 |
| Pre-tax net operating income | $918,000 | 2,204 |
| Securities gains (losses) | $1,505,000 | 170 |
| Applicable income taxes | $746,000 | 1,005 |
| Income before extraordinary items | $1,677,000 | 1,004 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,677,000 | 1,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 422 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $638,550 | 2,265 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $52,469,000 | 593 |
| Total interest expense | $28,204,000 | 429 |
| Net interest income | $24,265,000 | 784 |
| Provision for loan and lease losses | $2,742,000 | 586 |
| Total noninterest income | $5,053,000 | 1,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,053,000 | 684 |
| Total noninterest expense | $20,030,000 | 795 |
| Salaries and employee benefits | $9,721,000 | 832 |
| Premises and equipment expense | $3,680,000 | 608 |
| Additional noninterest expense | $6,629,000 | 769 |
| Pre-tax net operating income | $6,546,000 | 1,293 |
| Securities gains (losses) | $644,000 | 560 |
| Applicable income taxes | $2,129,000 | 1,221 |
| Income before extraordinary items | $5,061,000 | 1,242 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,061,000 | 1,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,063,000 | 553 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 162 |
| Net operating income | $4,610,200 | 1,304 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $53,882,000 | 658 |
| Total interest expense | $30,918,000 | 560 |
| Net interest income | $22,964,000 | 769 |
| Provision for loan and lease losses | $1,745,000 | 786 |
| Total noninterest income | $3,356,000 | 1,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,356,000 | 873 |
| Total noninterest expense | $18,039,000 | 838 |
| Salaries and employee benefits | $8,760,000 | 853 |
| Premises and equipment expense | $3,243,000 | 666 |
| Additional noninterest expense | $6,036,000 | 826 |
| Pre-tax net operating income | $6,536,000 | 1,137 |
| Securities gains (losses) | $829,000 | 452 |
| Applicable income taxes | $1,991,000 | 1,184 |
| Income before extraordinary items | $5,374,000 | 1,019 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,374,000 | 1,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,443,000 | 494 |
| Cash dividends | $5,000,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,768,830 | 1,100 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $45,865,000 | 775 |
| Total interest expense | $28,434,000 | 655 |
| Net interest income | $17,431,000 | 998 |
| Provision for loan and lease losses | $1,236,000 | 892 |
| Total noninterest income | $2,492,000 | 1,592 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,492,000 | 973 |
| Total noninterest expense | $13,824,000 | 1,017 |
| Salaries and employee benefits | $7,458,000 | 936 |
| Premises and equipment expense | $2,848,000 | 727 |
| Additional noninterest expense | $3,518,000 | 1,292 |
| Pre-tax net operating income | $4,863,000 | 1,514 |
| Securities gains (losses) | $465,000 | 272 |
| Applicable income taxes | $1,034,000 | 2,061 |
| Income before extraordinary items | $4,294,000 | 1,227 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,294,000 | 1,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,715 |
| Cash dividends | $27,765,000 | 199 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,917,350 | 1,335 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $37,814,000 | 898 |
| Total interest expense | $21,204,000 | 754 |
| Net interest income | $16,610,000 | 1,053 |
| Provision for loan and lease losses | $917,000 | 1,046 |
| Total noninterest income | $1,937,000 | 1,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,937,000 | 1,186 |
| Total noninterest expense | $12,993,000 | 1,076 |
| Salaries and employee benefits | $7,373,000 | 932 |
| Premises and equipment expense | $2,393,000 | 839 |
| Additional noninterest expense | $3,227,000 | 1,427 |
| Pre-tax net operating income | $4,637,000 | 1,619 |
| Securities gains (losses) | $268,000 | 478 |
| Applicable income taxes | $625,000 | 3,133 |
| Income before extraordinary items | $4,280,000 | 1,267 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,280,000 | 1,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,527 |
| Cash dividends | $1,379,000 | 1,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,046,840 | 1,318 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $31,133,000 | 1,048 |
| Total interest expense | $16,487,000 | 960 |
| Net interest income | $14,646,000 | 1,157 |
| Provision for loan and lease losses | $851,000 | 1,120 |
| Total noninterest income | $1,202,000 | 2,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,202,000 | 1,626 |
| Total noninterest expense | $10,833,000 | 1,222 |
| Salaries and employee benefits | $6,358,000 | 1,028 |
| Premises and equipment expense | $2,087,000 | 925 |
| Additional noninterest expense | $2,388,000 | 1,774 |
| Pre-tax net operating income | $4,164,000 | 1,756 |
| Securities gains (losses) | $162,000 | 1,015 |
| Applicable income taxes | $1,035,000 | 2,249 |
| Income before extraordinary items | $3,291,000 | 1,593 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,291,000 | 1,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,472 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $25,000,000 | 41 |
| Net operating income | $3,167,880 | 1,601 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $26,817,000 | 1,251 |
| Total interest expense | $14,387,000 | 1,129 |
| Net interest income | $12,430,000 | 1,386 |
| Provision for loan and lease losses | $924,000 | 1,050 |
| Total noninterest income | $787,000 | 3,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $787,000 | 2,053 |
| Total noninterest expense | $9,703,000 | 1,354 |
| Salaries and employee benefits | $5,465,000 | 1,206 |
| Premises and equipment expense | $2,054,000 | 973 |
| Additional noninterest expense | $2,184,000 | 1,944 |
| Pre-tax net operating income | $2,590,000 | 2,829 |
| Securities gains (losses) | $-555,000 | 10,881 |
| Applicable income taxes | $739,000 | 3,110 |
| Income before extraordinary items | $1,296,000 | 3,809 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,296,000 | 3,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,545 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,651,200 | 3,015 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $24,918,000 | 1,374 |
| Total interest expense | $13,365,000 | 1,226 |
| Net interest income | $11,553,000 | 1,537 |
| Provision for loan and lease losses | $117,000 | 4,776 |
| Total noninterest income | $735,000 | 3,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $735,000 | 2,220 |
| Total noninterest expense | $10,981,000 | 1,308 |
| Salaries and employee benefits | $5,104,000 | 1,316 |
| Premises and equipment expense | $1,948,000 | 1,084 |
| Additional noninterest expense | $3,929,000 | 1,373 |
| Pre-tax net operating income | $1,190,000 | 5,150 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $50,000 | 9,685 |
| Income before extraordinary items | $1,140,000 | 4,039 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,140,000 | 4,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,970 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,140,000 | 3,983 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $22,068,000 | 1,534 |
| Total interest expense | $11,748,000 | 1,391 |
| Net interest income | $10,320,000 | 1,731 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $793,000 | 3,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $793,000 | 2,117 |
| Total noninterest expense | $8,569,000 | 1,646 |
| Salaries and employee benefits | $4,410,000 | 1,508 |
| Premises and equipment expense | $2,041,000 | 1,046 |
| Additional noninterest expense | $2,118,000 | 2,294 |
| Pre-tax net operating income | $2,504,000 | 2,846 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $879,000 | 2,664 |
| Income before extraordinary items | $1,625,000 | 3,014 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,625,000 | 3,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,210 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,625,000 | 2,986 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $19,547,000 | 1,585 |
| Total interest expense | $8,797,000 | 1,475 |
| Net interest income | $10,750,000 | 1,681 |
| Provision for loan and lease losses | $-116,000 | 12,209 |
| Total noninterest income | $707,000 | 4,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $707,000 | 2,315 |
| Total noninterest expense | $8,249,000 | 1,765 |
| Salaries and employee benefits | $3,987,000 | 1,681 |
| Premises and equipment expense | $2,024,000 | 1,045 |
| Additional noninterest expense | $2,238,000 | 2,346 |
| Pre-tax net operating income | $3,324,000 | 2,143 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $747,000 | 2,945 |
| Income before extraordinary items | $2,589,000 | 1,883 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,589,000 | 1,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,579,640 | 1,887 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $20,982,000 | 1,499 |
| Total interest expense | $9,799,000 | 1,369 |
| Net interest income | $11,183,000 | 1,611 |
| Provision for loan and lease losses | $49,000 | 7,550 |
| Total noninterest income | $2,030,000 | 1,959 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,030,000 | 1,245 |
| Total noninterest expense | $8,307,000 | 1,808 |
| Salaries and employee benefits | $4,065,000 | 1,662 |
| Premises and equipment expense | $1,817,000 | 1,176 |
| Additional noninterest expense | $2,425,000 | 2,304 |
| Pre-tax net operating income | $4,857,000 | 1,444 |
| Securities gains (losses) | $426,000 | 1,005 |
| Applicable income taxes | $2,036,000 | 1,199 |
| Income before extraordinary items | $3,247,000 | 1,569 |
| Extraordinary gains, net | $90,000 | 1,670 |
| Net income | $3,337,000 | 1,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,486 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,974,360 | 1,599 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $23,010,000 | 1,572 |
| Total interest expense | $12,396,000 | 1,423 |
| Net interest income | $10,614,000 | 1,729 |
| Provision for loan and lease losses | $324,000 | 3,957 |
| Total noninterest income | $801,000 | 3,970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $801,000 | 2,307 |
| Total noninterest expense | $12,500,000 | 1,265 |
| Salaries and employee benefits | $3,144,000 | 2,094 |
| Premises and equipment expense | $1,985,000 | 1,127 |
| Additional noninterest expense | $7,371,000 | 978 |
| Pre-tax net operating income | $-1,409,000 | 13,562 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $-484,000 | 13,752 |
| Income before extraordinary items | $-920,000 | 13,533 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-920,000 | 13,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 3,595 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-923,300 | 13,461 |
* 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.