Home > 1st State Bank > Income and Expense
1st State Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,629,000 | 1,715 |
| Total interest expense | $6,880,000 | 1,658 |
| Net interest income | $12,749,000 | 1,725 |
| Provision for loan and lease losses | $807,000 | 1,251 |
| Total noninterest income | $1,952,000 | 2,257 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $926,000 | 1,852 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,026,000 | 2,178 |
| Total noninterest expense | $8,141,000 | 2,054 |
| Salaries and employee benefits | $5,428,000 | 1,727 |
| Premises and equipment expense | $1,324,000 | 1,820 |
| Additional noninterest expense | $1,389,000 | 3,436 |
| Pre-tax net operating income | $5,753,000 | 1,631 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $2,096,000 | 1,310 |
| Income before extraordinary items | $3,655,000 | 1,881 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,655,000 | 1,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $538,000 | 1,105 |
| Cash dividends | $3,000,000 | 1,017 |
| Sale, conversion, retirement of capital stock, net | $931,000 | 494 |
| Net operating income | $3,656,280 | 1,859 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,285,000 | 1,718 |
| Total interest expense | $4,932,000 | 1,638 |
| Net interest income | $9,353,000 | 1,747 |
| Provision for loan and lease losses | $716,000 | 1,040 |
| Total noninterest income | $1,497,000 | 2,212 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $689,000 | 1,863 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $808,000 | 2,102 |
| Total noninterest expense | $6,087,000 | 2,037 |
| Salaries and employee benefits | $4,006,000 | 1,726 |
| Premises and equipment expense | $990,000 | 1,819 |
| Additional noninterest expense | $1,091,000 | 3,285 |
| Pre-tax net operating income | $4,047,000 | 1,746 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $1,461,000 | 1,411 |
| Income before extraordinary items | $2,584,000 | 2,002 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,584,000 | 2,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 998 |
| Cash dividends | $2,000,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $676,000 | 383 |
| Net operating income | $2,585,280 | 1,968 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,274,000 | 1,719 |
| Total interest expense | $3,120,000 | 1,628 |
| Net interest income | $6,154,000 | 1,745 |
| Provision for loan and lease losses | $560,000 | 881 |
| Total noninterest income | $999,000 | 2,175 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $456,000 | 1,838 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $543,000 | 2,069 |
| Total noninterest expense | $3,966,000 | 2,068 |
| Salaries and employee benefits | $2,585,000 | 1,774 |
| Premises and equipment expense | $661,000 | 1,804 |
| Additional noninterest expense | $720,000 | 3,290 |
| Pre-tax net operating income | $2,627,000 | 1,762 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $933,000 | 1,442 |
| Income before extraordinary items | $1,692,000 | 2,007 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,692,000 | 2,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $354,000 | 788 |
| Cash dividends | $2,000,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $416,000 | 308 |
| Net operating income | $1,693,280 | 1,969 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,503,000 | 1,735 |
| Total interest expense | $1,484,000 | 1,608 |
| Net interest income | $3,019,000 | 1,772 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $466,000 | 2,240 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $220,000 | 1,850 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $246,000 | 2,181 |
| Total noninterest expense | $1,965,000 | 2,104 |
| Salaries and employee benefits | $1,295,000 | 1,783 |
| Premises and equipment expense | $324,000 | 1,852 |
| Additional noninterest expense | $346,000 | 3,398 |
| Pre-tax net operating income | $1,460,000 | 1,554 |
| Securities gains (losses) | $-2,000 | 8,244 |
| Applicable income taxes | $521,000 | 1,304 |
| Income before extraordinary items | $937,000 | 1,806 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $937,000 | 1,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 460 |
| Cash dividends | $2,000,000 | 351 |
| Sale, conversion, retirement of capital stock, net | $201,000 | 212 |
| Net operating income | $938,280 | 1,758 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,580,000 | 1,725 |
| Total interest expense | $4,937,000 | 1,655 |
| Net interest income | $11,643,000 | 1,738 |
| Provision for loan and lease losses | $510,000 | 1,921 |
| Total noninterest income | $2,334,000 | 1,967 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $945,000 | 1,856 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,389,000 | 1,728 |
| Total noninterest expense | $7,999,000 | 2,007 |
| Salaries and employee benefits | $5,397,000 | 1,629 |
| Premises and equipment expense | $1,305,000 | 1,768 |
| Additional noninterest expense | $1,297,000 | 3,533 |
| Pre-tax net operating income | $5,468,000 | 1,558 |
| Securities gains (losses) | $115,000 | 1,154 |
| Applicable income taxes | $1,980,000 | 1,285 |
| Income before extraordinary items | $3,603,000 | 1,765 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,603,000 | 1,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,621 |
| Cash dividends | $1,000,000 | 2,307 |
| Sale, conversion, retirement of capital stock, net | $869,000 | 419 |
| Net operating income | $3,528,250 | 1,752 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,255,000 | 1,733 |
| Total interest expense | $3,640,000 | 1,659 |
| Net interest income | $8,615,000 | 1,747 |
| Provision for loan and lease losses | $180,000 | 3,152 |
| Total noninterest income | $1,763,000 | 1,967 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $715,000 | 1,853 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,048,000 | 1,718 |
| Total noninterest expense | $6,088,000 | 1,969 |
| Salaries and employee benefits | $4,072,000 | 1,631 |
| Premises and equipment expense | $978,000 | 1,775 |
| Additional noninterest expense | $1,038,000 | 3,316 |
| Pre-tax net operating income | $4,110,000 | 1,567 |
| Securities gains (losses) | $115,000 | 1,090 |
| Applicable income taxes | $1,500,000 | 1,282 |
| Income before extraordinary items | $2,725,000 | 1,773 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,725,000 | 1,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,921 |
| Cash dividends | $1,000,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $606,000 | 342 |
| Net operating income | $2,651,400 | 1,760 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,035,000 | 1,756 |
| Total interest expense | $2,413,000 | 1,649 |
| Net interest income | $5,622,000 | 1,774 |
| Provision for loan and lease losses | $120,000 | 3,090 |
| Total noninterest income | $1,233,000 | 1,879 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $467,000 | 1,868 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $766,000 | 1,595 |
| Total noninterest expense | $4,027,000 | 1,981 |
| Salaries and employee benefits | $2,769,000 | 1,595 |
| Premises and equipment expense | $640,000 | 1,802 |
| Additional noninterest expense | $618,000 | 3,658 |
| Pre-tax net operating income | $2,708,000 | 1,559 |
| Securities gains (losses) | $88,000 | 1,116 |
| Applicable income taxes | $999,000 | 1,284 |
| Income before extraordinary items | $1,797,000 | 1,772 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,797,000 | 1,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,487 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $414,000 | 279 |
| Net operating income | $1,740,680 | 1,765 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,942,000 | 1,790 |
| Total interest expense | $1,216,000 | 1,654 |
| Net interest income | $2,726,000 | 1,824 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $522,000 | 2,089 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $227,000 | 1,856 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $295,000 | 1,907 |
| Total noninterest expense | $2,001,000 | 1,999 |
| Salaries and employee benefits | $1,366,000 | 1,634 |
| Premises and equipment expense | $317,000 | 1,838 |
| Additional noninterest expense | $318,000 | 3,565 |
| Pre-tax net operating income | $1,187,000 | 1,743 |
| Securities gains (losses) | $88,000 | 875 |
| Applicable income taxes | $472,000 | 1,356 |
| Income before extraordinary items | $803,000 | 1,954 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $803,000 | 1,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 2,260 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $215,000 | 198 |
| Net operating income | $746,680 | 1,977 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,639,000 | 1,717 |
| Total interest expense | $5,400,000 | 1,674 |
| Net interest income | $11,239,000 | 1,723 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $3,156,000 | 1,616 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $741,000 | 2,253 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,415,000 | 1,263 |
| Total noninterest expense | $8,524,000 | 1,863 |
| Salaries and employee benefits | $5,720,000 | 1,499 |
| Premises and equipment expense | $1,279,000 | 1,780 |
| Additional noninterest expense | $1,525,000 | 3,031 |
| Pre-tax net operating income | $5,631,000 | 1,465 |
| Securities gains (losses) | $203,000 | 1,335 |
| Applicable income taxes | $2,116,000 | 1,234 |
| Income before extraordinary items | $3,718,000 | 1,670 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,718,000 | 1,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 3,222 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $1,093,000 | 405 |
| Net operating income | $3,588,080 | 1,649 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,606,000 | 1,728 |
| Total interest expense | $4,137,000 | 1,704 |
| Net interest income | $8,469,000 | 1,734 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $2,707,000 | 1,496 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $553,000 | 2,272 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,154,000 | 1,171 |
| Total noninterest expense | $6,489,000 | 1,834 |
| Salaries and employee benefits | $4,337,000 | 1,491 |
| Premises and equipment expense | $972,000 | 1,762 |
| Additional noninterest expense | $1,180,000 | 2,920 |
| Pre-tax net operating income | $4,507,000 | 1,426 |
| Securities gains (losses) | $106,000 | 1,693 |
| Applicable income taxes | $1,684,000 | 1,219 |
| Income before extraordinary items | $2,929,000 | 1,639 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,929,000 | 1,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,038 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $815,000 | 332 |
| Net operating income | $2,861,160 | 1,598 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,497,000 | 1,726 |
| Total interest expense | $2,832,000 | 1,720 |
| Net interest income | $5,665,000 | 1,721 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $1,742,000 | 1,525 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $368,000 | 2,248 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,374,000 | 1,215 |
| Total noninterest expense | $4,210,000 | 1,873 |
| Salaries and employee benefits | $2,853,000 | 1,511 |
| Premises and equipment expense | $673,000 | 1,690 |
| Additional noninterest expense | $684,000 | 3,294 |
| Pre-tax net operating income | $3,077,000 | 1,390 |
| Securities gains (losses) | $103,000 | 1,487 |
| Applicable income taxes | $1,173,000 | 1,201 |
| Income before extraordinary items | $2,007,000 | 1,614 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,007,000 | 1,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,431 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $616,000 | 245 |
| Net operating income | $1,941,080 | 1,560 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,387,000 | 1,686 |
| Total interest expense | $1,482,000 | 1,682 |
| Net interest income | $2,905,000 | 1,680 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $897,000 | 1,446 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $179,000 | 2,238 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $718,000 | 1,146 |
| Total noninterest expense | $2,132,000 | 1,839 |
| Salaries and employee benefits | $1,464,000 | 1,462 |
| Premises and equipment expense | $351,000 | 1,640 |
| Additional noninterest expense | $317,000 | 3,490 |
| Pre-tax net operating income | $1,610,000 | 1,330 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $605,000 | 1,179 |
| Income before extraordinary items | $1,005,000 | 1,603 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,005,000 | 1,602 |
| 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 | $432,000 | 152 |
| Net operating income | $1,005,000 | 1,502 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,260,000 | 1,594 |
| Total interest expense | $7,170,000 | 1,586 |
| Net interest income | $12,090,000 | 1,595 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $2,886,000 | 1,611 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $734,000 | 2,167 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,152,000 | 1,243 |
| Total noninterest expense | $8,243,000 | 1,838 |
| Salaries and employee benefits | $5,542,000 | 1,468 |
| Premises and equipment expense | $1,243,000 | 1,780 |
| Additional noninterest expense | $1,458,000 | 3,015 |
| Pre-tax net operating income | $6,493,000 | 1,306 |
| Securities gains (losses) | $47,000 | 2,464 |
| Applicable income taxes | $2,325,000 | 1,144 |
| Income before extraordinary items | $4,215,000 | 1,474 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,215,000 | 1,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,568 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $680,000 | 435 |
| Net operating income | $4,184,920 | 1,434 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,079,000 | 1,476 |
| Total interest expense | $11,739,000 | 1,381 |
| Net interest income | $11,340,000 | 1,573 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $2,851,000 | 1,536 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $678,000 | 2,207 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,173,000 | 1,167 |
| Total noninterest expense | $7,991,000 | 1,810 |
| Salaries and employee benefits | $5,322,000 | 1,419 |
| Premises and equipment expense | $1,171,000 | 1,840 |
| Additional noninterest expense | $1,498,000 | 2,875 |
| Pre-tax net operating income | $5,960,000 | 1,256 |
| Securities gains (losses) | $18,000 | 3,221 |
| Applicable income taxes | $2,145,000 | 1,110 |
| Income before extraordinary items | $3,833,000 | 1,415 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,833,000 | 1,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 3,091 |
| Cash dividends | $696,000 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,821,480 | 1,356 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $24,417,000 | 1,427 |
| Total interest expense | $12,612,000 | 1,379 |
| Net interest income | $11,805,000 | 1,487 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $1,750,000 | 2,065 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $508,000 | 2,656 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,242,000 | 1,615 |
| Total noninterest expense | $7,095,000 | 1,958 |
| Salaries and employee benefits | $4,928,000 | 1,437 |
| Premises and equipment expense | $961,000 | 2,146 |
| Additional noninterest expense | $1,206,000 | 3,420 |
| Pre-tax net operating income | $6,220,000 | 1,188 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,184,000 | 1,074 |
| Income before extraordinary items | $4,036,000 | 1,302 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,036,000 | 1,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,483 |
| Cash dividends | $648,000 | 3,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,036,000 | 1,289 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,662,000 | 1,509 |
| Total interest expense | $10,796,000 | 1,385 |
| Net interest income | $10,866,000 | 1,600 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $971,000 | 3,157 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $454,000 | 2,872 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $517,000 | 2,893 |
| Total noninterest expense | $9,542,000 | 1,448 |
| Salaries and employee benefits | $4,492,000 | 1,544 |
| Premises and equipment expense | $925,000 | 2,205 |
| Additional noninterest expense | $4,125,000 | 1,135 |
| Pre-tax net operating income | $2,055,000 | 3,274 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $724,000 | 2,839 |
| Income before extraordinary items | $1,331,000 | 3,572 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,331,000 | 3,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $57,000 | 6,541 |
| Sale, conversion, retirement of capital stock, net | $20,610,000 | 32 |
| Net operating income | $1,331,000 | 3,539 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,830,000 | 1,553 |
| Total interest expense | $11,319,000 | 1,362 |
| Net interest income | $9,511,000 | 1,792 |
| Provision for loan and lease losses | $471,000 | 1,809 |
| Total noninterest income | $1,875,000 | 1,927 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $455,000 | 2,781 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,420,000 | 1,457 |
| Total noninterest expense | $6,795,000 | 1,915 |
| Salaries and employee benefits | $4,362,000 | 1,501 |
| Premises and equipment expense | $853,000 | 2,286 |
| Additional noninterest expense | $1,580,000 | 2,645 |
| Pre-tax net operating income | $4,120,000 | 1,770 |
| Securities gains (losses) | $-269,000 | 10,427 |
| Applicable income taxes | $1,337,000 | 1,807 |
| Income before extraordinary items | $2,514,000 | 2,069 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,514,000 | 2,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,124 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,688,850 | 1,873 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,640,000 | 1,680 |
| Total interest expense | $10,032,000 | 1,545 |
| Net interest income | $9,608,000 | 1,814 |
| Provision for loan and lease losses | $240,000 | 3,015 |
| Total noninterest income | $1,255,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $449,000 | 2,896 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $806,000 | 2,019 |
| Total noninterest expense | $6,649,000 | 1,940 |
| Salaries and employee benefits | $4,288,000 | 1,521 |
| Premises and equipment expense | $650,000 | 2,939 |
| Additional noninterest expense | $1,711,000 | 2,420 |
| Pre-tax net operating income | $3,974,000 | 1,893 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,396,000 | 1,810 |
| Income before extraordinary items | $2,578,000 | 2,052 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,578,000 | 2,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,186 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,578,000 | 1,999 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,616,000 | 1,921 |
| Total interest expense | $9,481,000 | 1,667 |
| Net interest income | $8,135,000 | 2,209 |
| Provision for loan and lease losses | $240,000 | 3,003 |
| Total noninterest income | $967,000 | 3,208 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $365,000 | 3,616 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $602,000 | 2,565 |
| Total noninterest expense | $6,266,000 | 2,191 |
| Salaries and employee benefits | $2,658,000 | 2,507 |
| Premises and equipment expense | $599,000 | 3,221 |
| Additional noninterest expense | $3,009,000 | 1,728 |
| Pre-tax net operating income | $2,596,000 | 2,689 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $860,000 | 2,673 |
| Income before extraordinary items | $1,736,000 | 2,803 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,736,000 | 2,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 10,715 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,736,000 | 2,763 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,701,000 | 2,015 |
| Total interest expense | $9,137,000 | 1,736 |
| Net interest income | $7,564,000 | 2,369 |
| Provision for loan and lease losses | $454,000 | 1,701 |
| Total noninterest income | $1,215,000 | 2,692 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $320,000 | 4,061 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $895,000 | 1,947 |
| Total noninterest expense | $4,745,000 | 2,849 |
| Salaries and employee benefits | $2,507,000 | 2,666 |
| Premises and equipment expense | $543,000 | 3,498 |
| Additional noninterest expense | $1,695,000 | 2,762 |
| Pre-tax net operating income | $3,580,000 | 2,058 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,224,000 | 1,990 |
| Income before extraordinary items | $2,356,000 | 2,153 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,356,000 | 2,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 10,875 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,356,000 | 2,116 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $13,970,000 | 2,192 |
| Total interest expense | $7,230,000 | 1,742 |
| Net interest income | $6,740,000 | 2,686 |
| Provision for loan and lease losses | $240,000 | 2,662 |
| Total noninterest income | $834,000 | 3,591 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $288,000 | 4,516 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $546,000 | 2,781 |
| Total noninterest expense | $5,126,000 | 2,714 |
| Salaries and employee benefits | $2,081,000 | 3,161 |
| Premises and equipment expense | $637,000 | 3,093 |
| Additional noninterest expense | $2,408,000 | 2,201 |
| Pre-tax net operating income | $2,208,000 | 3,170 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $772,000 | 2,854 |
| Income before extraordinary items | $1,436,000 | 3,286 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,436,000 | 3,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,436,000 | 3,317 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,350,000 | 2,319 |
| Total interest expense | $7,689,000 | 1,715 |
| Net interest income | $5,661,000 | 3,195 |
| Provision for loan and lease losses | $1,114,000 | 1,205 |
| Total noninterest income | $1,212,000 | 2,884 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $299,000 | 4,445 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $913,000 | 2,170 |
| Total noninterest expense | $5,274,000 | 2,713 |
| Salaries and employee benefits | $2,221,000 | 2,956 |
| Premises and equipment expense | $750,000 | 2,706 |
| Additional noninterest expense | $2,303,000 | 2,413 |
| Pre-tax net operating income | $485,000 | 8,753 |
| Securities gains (losses) | $112,000 | 2,338 |
| Applicable income taxes | $145,000 | 8,762 |
| Income before extraordinary items | $452,000 | 7,957 |
| Extraordinary gains, net | $400,000 | 560 |
| Net income | $852,000 | 5,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,207,000 | 1,003 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $366,880 | 8,510 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,119,000 | 2,320 |
| Total interest expense | $9,343,000 | 1,812 |
| Net interest income | $5,776,000 | 3,180 |
| Provision for loan and lease losses | $1,927,000 | 1,189 |
| Total noninterest income | $1,035,000 | 3,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,035,000 | 1,948 |
| Total noninterest expense | $4,288,000 | 3,286 |
| Salaries and employee benefits | $2,189,000 | 2,954 |
| Premises and equipment expense | $933,000 | 2,230 |
| Additional noninterest expense | $1,166,000 | 4,460 |
| Pre-tax net operating income | $596,000 | 7,741 |
| Securities gains (losses) | $528,000 | 1,041 |
| Applicable income taxes | $414,000 | 4,657 |
| Income before extraordinary items | $710,000 | 5,853 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $710,000 | 5,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 7,201 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $372,080 | 8,131 |
* 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.