Home > Hudson River Bank & Trust Company > Income and Expense
Hudson River Bank & Trust Company, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $134,798,000 | 257 |
| Total interest expense | $39,960,000 | 248 |
| Net interest income | $94,838,000 | 269 |
| Provision for loan and lease losses | $3,900,000 | 309 |
| Total noninterest income | $14,270,000 | 483 |
| Gross Fiduciary activities income | $367,000 | 644 |
| Service charges on deposit accounts | $8,086,000 | 217 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,817,000 | 600 |
| Total noninterest expense | $61,433,000 | 308 |
| Salaries and employee benefits | $29,608,000 | 312 |
| Premises and equipment expense | $8,692,000 | 286 |
| Additional noninterest expense | $23,133,000 | 305 |
| Pre-tax net operating income | $43,775,000 | 283 |
| Securities gains (losses) | $1,599,000 | 204 |
| Applicable income taxes | $17,691,000 | 249 |
| Income before extraordinary items | $27,683,000 | 310 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $27,683,000 | 310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,039,000 | 339 |
| Cash dividends | $7,507,000 | 438 |
| Sale, conversion, retirement of capital stock, net | $6,258,000 | 192 |
| Net operating income | $26,659,640 | 311 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $101,031,000 | 258 |
| Total interest expense | $30,538,000 | 237 |
| Net interest income | $70,493,000 | 273 |
| Provision for loan and lease losses | $3,000,000 | 313 |
| Total noninterest income | $10,619,000 | 490 |
| Gross Fiduciary activities income | $266,000 | 648 |
| Service charges on deposit accounts | $5,868,000 | 232 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,485,000 | 589 |
| Total noninterest expense | $40,590,000 | 341 |
| Salaries and employee benefits | $22,553,000 | 311 |
| Premises and equipment expense | $6,559,000 | 287 |
| Additional noninterest expense | $11,478,000 | 388 |
| Pre-tax net operating income | $37,522,000 | 256 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $14,618,000 | 234 |
| Income before extraordinary items | $22,907,000 | 285 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $22,907,000 | 286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,436,000 | 303 |
| Cash dividends | $7,506,000 | 339 |
| Sale, conversion, retirement of capital stock, net | $3,458,000 | 195 |
| Net operating income | $22,905,080 | 276 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $67,022,000 | 254 |
| Total interest expense | $20,847,000 | 233 |
| Net interest income | $46,175,000 | 271 |
| Provision for loan and lease losses | $2,100,000 | 308 |
| Total noninterest income | $6,989,000 | 490 |
| Gross Fiduciary activities income | $174,000 | 663 |
| Service charges on deposit accounts | $3,763,000 | 237 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,052,000 | 594 |
| Total noninterest expense | $25,940,000 | 355 |
| Salaries and employee benefits | $15,149,000 | 306 |
| Premises and equipment expense | $4,469,000 | 286 |
| Additional noninterest expense | $6,322,000 | 447 |
| Pre-tax net operating income | $25,124,000 | 260 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $8,945,000 | 257 |
| Income before extraordinary items | $16,182,000 | 273 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $16,182,000 | 274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,269,000 | 354 |
| Cash dividends | $2,502,000 | 579 |
| Sale, conversion, retirement of capital stock, net | $3,458,000 | 127 |
| Net operating income | $16,180,080 | 265 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $33,467,000 | 258 |
| Total interest expense | $10,657,000 | 233 |
| Net interest income | $22,810,000 | 278 |
| Provision for loan and lease losses | $1,200,000 | 280 |
| Total noninterest income | $3,145,000 | 523 |
| Gross Fiduciary activities income | $80,000 | 690 |
| Service charges on deposit accounts | $1,784,000 | 244 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,281,000 | 661 |
| Total noninterest expense | $13,219,000 | 350 |
| Salaries and employee benefits | $7,759,000 | 306 |
| Premises and equipment expense | $2,332,000 | 287 |
| Additional noninterest expense | $3,128,000 | 444 |
| Pre-tax net operating income | $11,536,000 | 265 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $4,329,000 | 259 |
| Income before extraordinary items | $7,210,000 | 287 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $7,210,000 | 288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $550,000 | 399 |
| Cash dividends | $2,502,000 | 312 |
| Sale, conversion, retirement of capital stock, net | $3,458,000 | 63 |
| Net operating income | $7,208,080 | 271 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $133,591,000 | 261 |
| Total interest expense | $47,128,000 | 228 |
| Net interest income | $86,463,000 | 273 |
| Provision for loan and lease losses | $5,100,000 | 326 |
| Total noninterest income | $14,768,000 | 495 |
| Gross Fiduciary activities income | $269,000 | 736 |
| Service charges on deposit accounts | $6,886,000 | 255 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $7,613,000 | 552 |
| Total noninterest expense | $52,249,000 | 355 |
| Salaries and employee benefits | $28,845,000 | 319 |
| Premises and equipment expense | $9,851,000 | 274 |
| Additional noninterest expense | $13,553,000 | 435 |
| Pre-tax net operating income | $43,882,000 | 271 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $15,738,000 | 271 |
| Income before extraordinary items | $28,144,000 | 293 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $28,144,000 | 294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,419,000 | 367 |
| Cash dividends | $6,226,000 | 531 |
| Sale, conversion, retirement of capital stock, net | $2,728,000 | 300 |
| Net operating income | $28,144,000 | 274 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $101,218,000 | 266 |
| Total interest expense | $36,499,000 | 234 |
| Net interest income | $64,719,000 | 280 |
| Provision for loan and lease losses | $3,900,000 | 334 |
| Total noninterest income | $11,534,000 | 507 |
| Gross Fiduciary activities income | $190,000 | 748 |
| Service charges on deposit accounts | $4,972,000 | 283 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,372,000 | 539 |
| Total noninterest expense | $39,852,000 | 357 |
| Salaries and employee benefits | $21,734,000 | 322 |
| Premises and equipment expense | $7,615,000 | 271 |
| Additional noninterest expense | $10,503,000 | 440 |
| Pre-tax net operating income | $32,501,000 | 283 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $11,794,000 | 280 |
| Income before extraordinary items | $20,707,000 | 304 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $20,707,000 | 305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,909,000 | 335 |
| Cash dividends | $3,980,000 | 581 |
| Sale, conversion, retirement of capital stock, net | $2,728,000 | 204 |
| Net operating income | $20,707,000 | 284 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $68,817,000 | 266 |
| Total interest expense | $24,916,000 | 237 |
| Net interest income | $43,901,000 | 278 |
| Provision for loan and lease losses | $2,700,000 | 316 |
| Total noninterest income | $7,440,000 | 513 |
| Gross Fiduciary activities income | $120,000 | 758 |
| Service charges on deposit accounts | $2,314,000 | 372 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,006,000 | 465 |
| Total noninterest expense | $27,061,000 | 353 |
| Salaries and employee benefits | $14,521,000 | 323 |
| Premises and equipment expense | $5,228,000 | 264 |
| Additional noninterest expense | $7,312,000 | 429 |
| Pre-tax net operating income | $21,580,000 | 282 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $7,868,000 | 290 |
| Income before extraordinary items | $13,712,000 | 316 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $13,712,000 | 318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,767,000 | 362 |
| Cash dividends | $1,990,000 | 770 |
| Sale, conversion, retirement of capital stock, net | $2,728,000 | 126 |
| Net operating income | $13,712,000 | 288 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $35,096,000 | 261 |
| Total interest expense | $12,651,000 | 242 |
| Net interest income | $22,445,000 | 278 |
| Provision for loan and lease losses | $1,500,000 | 286 |
| Total noninterest income | $3,592,000 | 525 |
| Gross Fiduciary activities income | $60,000 | 773 |
| Service charges on deposit accounts | $1,122,000 | 377 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,410,000 | 483 |
| Total noninterest expense | $14,194,000 | 341 |
| Salaries and employee benefits | $7,500,000 | 319 |
| Premises and equipment expense | $2,704,000 | 263 |
| Additional noninterest expense | $3,990,000 | 401 |
| Pre-tax net operating income | $10,343,000 | 289 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $3,740,000 | 301 |
| Income before extraordinary items | $6,603,000 | 319 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,603,000 | 320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,145,000 | 304 |
| Cash dividends | $1,990,000 | 400 |
| Sale, conversion, retirement of capital stock, net | $2,728,000 | 64 |
| Net operating income | $6,603,000 | 295 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $149,814,000 | 260 |
| Total interest expense | $59,077,000 | 245 |
| Net interest income | $90,737,000 | 279 |
| Provision for loan and lease losses | $5,925,000 | 339 |
| Total noninterest income | $9,686,000 | 645 |
| Gross Fiduciary activities income | $219,000 | 801 |
| Service charges on deposit accounts | $4,173,000 | 386 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,294,000 | 659 |
| Total noninterest expense | $53,584,000 | 351 |
| Salaries and employee benefits | $27,637,000 | 325 |
| Premises and equipment expense | $11,072,000 | 249 |
| Additional noninterest expense | $14,875,000 | 431 |
| Pre-tax net operating income | $40,914,000 | 281 |
| Securities gains (losses) | $-43,000 | 9,065 |
| Applicable income taxes | $16,626,000 | 257 |
| Income before extraordinary items | $24,245,000 | 321 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $24,245,000 | 321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,431,000 | 347 |
| Cash dividends | $2,502,000 | 1,085 |
| Sale, conversion, retirement of capital stock, net | $2,346,000 | 266 |
| Net operating income | $24,272,520 | 307 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $123,423,000 | 333 |
| Total interest expense | $55,530,000 | 353 |
| Net interest income | $67,893,000 | 322 |
| Provision for loan and lease losses | $5,450,000 | 338 |
| Total noninterest income | $5,823,000 | 875 |
| Gross Fiduciary activities income | $210,000 | 827 |
| Service charges on deposit accounts | $2,521,000 | 601 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,092,000 | 925 |
| Total noninterest expense | $39,790,000 | 437 |
| Salaries and employee benefits | $18,960,000 | 421 |
| Premises and equipment expense | $7,323,000 | 336 |
| Additional noninterest expense | $13,507,000 | 467 |
| Pre-tax net operating income | $28,476,000 | 331 |
| Securities gains (losses) | $-14,000 | 9,335 |
| Applicable income taxes | $11,597,000 | 306 |
| Income before extraordinary items | $16,865,000 | 376 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $16,865,000 | 377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,263,000 | 522 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,475,000 | 351 |
| Net operating income | $16,873,960 | 357 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $89,215,000 | 453 |
| Total interest expense | $41,925,000 | 481 |
| Net interest income | $47,290,000 | 420 |
| Provision for loan and lease losses | $5,400,000 | 305 |
| Total noninterest income | $2,466,000 | 1,612 |
| Gross Fiduciary activities income | $141,000 | 867 |
| Service charges on deposit accounts | $1,065,000 | 1,275 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,260,000 | 1,598 |
| Total noninterest expense | $28,099,000 | 567 |
| Salaries and employee benefits | $13,379,000 | 547 |
| Premises and equipment expense | $4,938,000 | 465 |
| Additional noninterest expense | $9,782,000 | 593 |
| Pre-tax net operating income | $16,257,000 | 526 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $6,016,000 | 483 |
| Income before extraordinary items | $10,241,000 | 556 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $10,241,000 | 557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,576,000 | 416 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,354,000 | 411 |
| Net operating income | $10,241,000 | 554 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $71,373,000 | 520 |
| Total interest expense | $31,568,000 | 538 |
| Net interest income | $39,805,000 | 497 |
| Provision for loan and lease losses | $6,200,000 | 260 |
| Total noninterest income | $2,273,000 | 1,695 |
| Gross Fiduciary activities income | $95,000 | 999 |
| Service charges on deposit accounts | $879,000 | 1,493 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,299,000 | 1,539 |
| Total noninterest expense | $24,773,000 | 645 |
| Salaries and employee benefits | $12,395,000 | 582 |
| Premises and equipment expense | $3,952,000 | 567 |
| Additional noninterest expense | $8,426,000 | 678 |
| Pre-tax net operating income | $11,105,000 | 756 |
| Securities gains (losses) | $86,000 | 793 |
| Applicable income taxes | $3,898,000 | 721 |
| Income before extraordinary items | $7,293,000 | 797 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,293,000 | 797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,174,000 | 640 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,071,000 | 496 |
| Net operating income | $7,237,100 | 782 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $62,087,000 | 581 |
| Total interest expense | $28,961,000 | 592 |
| Net interest income | $33,126,000 | 556 |
| Provision for loan and lease losses | $7,924,000 | 239 |
| Total noninterest income | $3,025,000 | 1,337 |
| Gross Fiduciary activities income | $56,000 | 1,097 |
| Service charges on deposit accounts | $891,000 | 1,409 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,078,000 | 1,132 |
| Total noninterest expense | $20,819,000 | 712 |
| Salaries and employee benefits | $10,502,000 | 664 |
| Premises and equipment expense | $3,006,000 | 690 |
| Additional noninterest expense | $7,311,000 | 741 |
| Pre-tax net operating income | $7,408,000 | 1,031 |
| Securities gains (losses) | $36,000 | 1,984 |
| Applicable income taxes | $2,840,000 | 917 |
| Income before extraordinary items | $4,604,000 | 1,163 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,604,000 | 1,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,983,000 | 474 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $66,555,000 | 15 |
| Net operating income | $4,580,960 | 1,134 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $55,220,000 | 642 |
| Total interest expense | $25,875,000 | 648 |
| Net interest income | $29,345,000 | 623 |
| Provision for loan and lease losses | $8,360,000 | 233 |
| Total noninterest income | $2,642,000 | 1,419 |
| Gross Fiduciary activities income | $31,000 | 1,233 |
| Service charges on deposit accounts | $836,000 | 1,559 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,775,000 | 1,185 |
| Total noninterest expense | $19,193,000 | 763 |
| Salaries and employee benefits | $9,117,000 | 754 |
| Premises and equipment expense | $2,991,000 | 693 |
| Additional noninterest expense | $7,085,000 | 756 |
| Pre-tax net operating income | $4,434,000 | 1,727 |
| Securities gains (losses) | $12,000 | 2,240 |
| Applicable income taxes | $1,786,000 | 1,462 |
| Income before extraordinary items | $2,660,000 | 1,985 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,660,000 | 1,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,811,000 | 266 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,652,320 | 1,935 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $52,086,000 | 713 |
| Total interest expense | $25,186,000 | 700 |
| Net interest income | $26,900,000 | 706 |
| Provision for loan and lease losses | $2,208,000 | 566 |
| Total noninterest income | $2,168,000 | 1,719 |
| Gross Fiduciary activities income | $293,000 | 868 |
| Service charges on deposit accounts | $817,000 | 1,634 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,058,000 | 1,747 |
| Total noninterest expense | $16,100,000 | 949 |
| Salaries and employee benefits | $8,354,000 | 820 |
| Premises and equipment expense | $2,385,000 | 914 |
| Additional noninterest expense | $5,361,000 | 1,073 |
| Pre-tax net operating income | $10,760,000 | 742 |
| Securities gains (losses) | $28,000 | 1,737 |
| Applicable income taxes | $4,239,000 | 662 |
| Income before extraordinary items | $6,549,000 | 829 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,549,000 | 830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,438,000 | 706 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,531,080 | 805 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $48,096,000 | 780 |
| Total interest expense | $23,251,000 | 773 |
| Net interest income | $24,845,000 | 777 |
| Provision for loan and lease losses | $878,000 | 1,052 |
| Total noninterest income | $2,192,000 | 1,697 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $975,000 | 1,403 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,217,000 | 1,582 |
| Total noninterest expense | $15,384,000 | 989 |
| Salaries and employee benefits | $7,271,000 | 939 |
| Premises and equipment expense | $2,268,000 | 945 |
| Additional noninterest expense | $5,845,000 | 996 |
| Pre-tax net operating income | $10,775,000 | 794 |
| Securities gains (losses) | $29,000 | 1,653 |
| Applicable income taxes | $3,939,000 | 736 |
| Income before extraordinary items | $6,865,000 | 823 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $6,865,000 | 821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $644,000 | 1,175 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $6,846,440 | 814 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $42,072,000 | 805 |
| Total interest expense | $18,465,000 | 772 |
| Net interest income | $23,607,000 | 806 |
| Provision for loan and lease losses | $1,286,000 | 781 |
| Total noninterest income | $2,051,000 | 1,814 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $968,000 | 1,385 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,083,000 | 1,750 |
| Total noninterest expense | $15,368,000 | 989 |
| Salaries and employee benefits | $6,613,000 | 1,027 |
| Premises and equipment expense | $2,412,000 | 891 |
| Additional noninterest expense | $6,343,000 | 975 |
| Pre-tax net operating income | $9,004,000 | 863 |
| Securities gains (losses) | $59,000 | 1,053 |
| Applicable income taxes | $3,368,000 | 786 |
| Income before extraordinary items | $5,695,000 | 910 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $5,695,000 | 907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $718,000 | 1,067 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $5,657,240 | 924 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $40,233,000 | 830 |
| Total interest expense | $18,441,000 | 763 |
| Net interest income | $21,792,000 | 863 |
| Provision for loan and lease losses | $900,000 | 1,396 |
| Total noninterest income | $2,145,000 | 1,870 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $885,000 | 1,540 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,260,000 | 1,759 |
| Total noninterest expense | $14,232,000 | 1,105 |
| Salaries and employee benefits | $5,830,000 | 1,161 |
| Premises and equipment expense | $2,162,000 | 1,010 |
| Additional noninterest expense | $6,240,000 | 1,058 |
| Pre-tax net operating income | $8,805,000 | 839 |
| Securities gains (losses) | $655,000 | 749 |
| Applicable income taxes | $3,521,000 | 734 |
| Income before extraordinary items | $5,939,000 | 889 |
| Extraordinary gains, net | $816,000 | 275 |
| Net income | $6,755,000 | 803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,821 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,519,800 | 887 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $41,262,000 | 921 |
| Total interest expense | $21,999,000 | 847 |
| Net interest income | $19,263,000 | 974 |
| Provision for loan and lease losses | $1,655,000 | 1,313 |
| Total noninterest income | $3,004,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $781,000 | 1,725 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,223,000 | 1,163 |
| Total noninterest expense | $12,634,000 | 1,254 |
| Salaries and employee benefits | $5,524,000 | 1,212 |
| Premises and equipment expense | $2,101,000 | 1,068 |
| Additional noninterest expense | $5,009,000 | 1,318 |
| Pre-tax net operating income | $7,978,000 | 798 |
| Securities gains (losses) | $556,000 | 1,007 |
| Applicable income taxes | $3,381,000 | 690 |
| Income before extraordinary items | $5,153,000 | 926 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,153,000 | 928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,799,000 | 1,035 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,797,160 | 899 |
* 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.