Home > AccessBank > Income and Expense

AccessBank, Income and Expense

2005-12-31 (YTD Data)		Rank
Total interest income	$18,884,000	1,789
Total interest expense	$7,192,000	1,575
Net interest income	$11,692,000	1,890
Provision for loan and lease losses	$420,000	2,180
Total noninterest income	$1,741,000	2,435
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,741,000	1,492
Total noninterest expense	$11,362,000	1,509
Salaries and employee benefits	$6,436,000	1,451
Premises and equipment expense	$2,097,000	1,172
Additional noninterest expense	$2,829,000	1,780
Pre-tax net operating income	$1,651,000	4,153
Securities gains (losses)	$1,741,000	153
Applicable income taxes	$522,000	3,298
Income before extraordinary items	$2,870,000	2,335
Extraordinary gains, net	$0	46
Net income	$2,870,000	2,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$184,000	2,411
Cash dividends	$1,730,000	1,646
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,390,150	3,942
2005-09-30 (YTD Data)		Rank
Total interest income	$14,139,000	1,737
Total interest expense	$5,227,000	1,539
Net interest income	$8,912,000	1,833
Provision for loan and lease losses	$420,000	1,646
Total noninterest income	$1,306,000	2,429
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	126
Additional Noninterest Income	$1,306,000	1,491
Total noninterest expense	$7,777,000	1,629
Salaries and employee benefits	$4,085,000	1,691
Premises and equipment expense	$1,573,000	1,156
Additional noninterest expense	$2,119,000	1,761
Pre-tax net operating income	$2,021,000	3,032
Securities gains (losses)	$1,416,000	153
Applicable income taxes	$906,000	2,021
Income before extraordinary items	$2,531,000	2,040
Extraordinary gains, net	$0	35
Net income	$2,531,000	2,039
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	3,280
Cash dividends	$645,000	2,434
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,483,160	3,121
2005-06-30 (YTD Data)		Rank
Total interest income	$9,365,000	1,710
Total interest expense	$3,339,000	1,508
Net interest income	$6,026,000	1,790
Provision for loan and lease losses	$375,000	1,255
Total noninterest income	$819,000	2,492
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	116
Additional Noninterest Income	$819,000	1,547
Total noninterest expense	$5,153,000	1,639
Salaries and employee benefits	$2,660,000	1,733
Premises and equipment expense	$1,035,000	1,154
Additional noninterest expense	$1,458,000	1,695
Pre-tax net operating income	$1,317,000	3,045
Securities gains (losses)	$976,000	156
Applicable income taxes	$589,000	2,039
Income before extraordinary items	$1,704,000	1,997
Extraordinary gains, net	$0	30
Net income	$1,704,000	1,996
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	3,846
Cash dividends	$645,000	1,852
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$981,760	3,091
2005-03-31 (YTD Data)		Rank
Total interest income	$4,467,000	1,746
Total interest expense	$1,549,000	1,540
Net interest income	$2,918,000	1,829
Provision for loan and lease losses	$150,000	1,379
Total noninterest income	$397,000	2,499
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	115
Additional Noninterest Income	$397,000	1,561
Total noninterest expense	$2,557,000	1,648
Salaries and employee benefits	$1,290,000	1,788
Premises and equipment expense	$518,000	1,173
Additional noninterest expense	$749,000	1,644
Pre-tax net operating income	$608,000	3,190
Securities gains (losses)	$256,000	219
Applicable income taxes	$205,000	2,551
Income before extraordinary items	$659,000	2,432
Extraordinary gains, net	$0	24
Net income	$659,000	2,433
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,779
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$464,440	3,192
2004-12-31 (YTD Data)		Rank
Total interest income	$14,270,000	1,983
Total interest expense	$4,166,000	1,957
Net interest income	$10,104,000	2,007
Provision for loan and lease losses	$731,000	1,402
Total noninterest income	$1,669,000	2,488
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	138
Additional Noninterest Income	$1,669,000	1,511
Total noninterest expense	$8,782,000	1,842
Salaries and employee benefits	$4,462,000	1,953
Premises and equipment expense	$1,622,000	1,416
Additional noninterest expense	$2,698,000	1,814
Pre-tax net operating income	$2,260,000	3,234
Securities gains (losses)	$1,072,000	271
Applicable income taxes	$1,068,000	2,047
Income before extraordinary items	$2,264,000	2,633
Extraordinary gains, net	$0	34
Net income	$2,264,000	2,636
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$431,000	1,506
Cash dividends	$200,000	4,847
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$1,535,040	3,519
2004-09-30 (YTD Data)		Rank
Total interest income	$10,048,000	2,108
Total interest expense	$2,811,000	2,131
Net interest income	$7,237,000	2,093
Provision for loan and lease losses	$568,000	1,291
Total noninterest income	$1,203,000	2,571
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$1,203,000	1,561
Total noninterest expense	$6,198,000	1,934
Salaries and employee benefits	$3,152,000	2,080
Premises and equipment expense	$1,139,000	1,524
Additional noninterest expense	$1,907,000	1,880
Pre-tax net operating income	$1,674,000	3,332
Securities gains (losses)	$772,000	318
Applicable income taxes	$711,000	2,288
Income before extraordinary items	$1,735,000	2,627
Extraordinary gains, net	$0	26
Net income	$1,735,000	2,629
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$239,000	1,674
Cash dividends	$200,000	3,963
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$1,186,880	3,501
2004-06-30 (YTD Data)		Rank
Total interest income	$6,358,000	2,201
Total interest expense	$1,795,000	2,190
Net interest income	$4,563,000	2,188
Provision for loan and lease losses	$426,000	1,162
Total noninterest income	$813,000	2,567
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	130
Additional Noninterest Income	$813,000	1,536
Total noninterest expense	$3,839,000	2,075
Salaries and employee benefits	$1,959,000	2,211
Premises and equipment expense	$678,000	1,707
Additional noninterest expense	$1,202,000	1,994
Pre-tax net operating income	$1,111,000	3,294
Securities gains (losses)	$495,000	359
Applicable income taxes	$511,000	2,166
Income before extraordinary items	$1,095,000	2,726
Extraordinary gains, net	$0	21
Net income	$1,095,000	2,727
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$220,000	1,286
Cash dividends	$200,000	3,418
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$758,400	3,572
2004-03-31 (YTD Data)		Rank
Total interest income	$2,880,000	2,439
Total interest expense	$851,000	2,310
Net interest income	$2,029,000	2,461
Provision for loan and lease losses	$213,000	1,102
Total noninterest income	$379,000	2,630
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	121
Additional Noninterest Income	$379,000	1,594
Total noninterest expense	$1,789,000	2,231
Salaries and employee benefits	$897,000	2,425
Premises and equipment expense	$304,000	1,906
Additional noninterest expense	$588,000	2,011
Pre-tax net operating income	$406,000	4,042
Securities gains (losses)	$225,000	459
Applicable income taxes	$194,000	2,626
Income before extraordinary items	$437,000	3,270
Extraordinary gains, net	$0	16
Net income	$437,000	3,270
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$143,000	1,007
Cash dividends	$200,000	2,144
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$281,750	4,312
2003-12-31 (YTD Data)		Rank
Total interest income	$11,772,000	2,429
Total interest expense	$3,726,000	2,381
Net interest income	$8,046,000	2,422
Provision for loan and lease losses	$781,000	1,487
Total noninterest income	$1,295,000	3,144
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	160
Additional Noninterest Income	$1,295,000	2,012
Total noninterest expense	$6,938,000	2,269
Salaries and employee benefits	$3,590,000	2,362
Premises and equipment expense	$1,202,000	1,905
Additional noninterest expense	$2,146,000	2,249
Pre-tax net operating income	$1,622,000	3,926
Securities gains (losses)	$1,923,000	307
Applicable income taxes	$457,000	3,542
Income before extraordinary items	$3,088,000	1,988
Extraordinary gains, net	$0	54
Net income	$3,088,000	1,988
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$714,000	1,205
Cash dividends	$818,000	2,636
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$1,414,990	3,542
2003-09-30 (YTD Data)		Rank
Total interest income	$8,927,000	2,439
Total interest expense	$2,827,000	2,433
Net interest income	$6,100,000	2,403
Provision for loan and lease losses	$568,000	1,492
Total noninterest income	$961,000	3,222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$961,000	2,112
Total noninterest expense	$5,265,000	2,246
Salaries and employee benefits	$2,774,000	2,291
Premises and equipment expense	$902,000	1,903
Additional noninterest expense	$1,589,000	2,256
Pre-tax net operating income	$1,228,000	4,005
Securities gains (losses)	$1,649,000	314
Applicable income taxes	$383,000	3,485
Income before extraordinary items	$2,494,000	1,931
Extraordinary gains, net	$0	40
Net income	$2,494,000	1,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$483,000	1,202
Cash dividends	$618,000	2,353
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$1,059,370	3,687
2003-06-30 (YTD Data)		Rank
Total interest income	$5,910,000	2,469
Total interest expense	$1,906,000	2,487
Net interest income	$4,004,000	2,428
Provision for loan and lease losses	$355,000	1,569
Total noninterest income	$617,000	3,279
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	150
Additional Noninterest Income	$617,000	2,158
Total noninterest expense	$3,503,000	2,247
Salaries and employee benefits	$1,867,000	2,264
Premises and equipment expense	$617,000	1,851
Additional noninterest expense	$1,019,000	2,327
Pre-tax net operating income	$763,000	4,190
Securities gains (losses)	$1,008,000	356
Applicable income taxes	$460,000	2,441
Income before extraordinary items	$1,311,000	2,369
Extraordinary gains, net	$0	30
Net income	$1,311,000	2,367
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$318,000	1,192
Cash dividends	$418,000	2,393
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$565,080	4,248
2003-03-31 (YTD Data)		Rank
Total interest income	$2,926,000	2,501
Total interest expense	$959,000	2,525
Net interest income	$1,967,000	2,471
Provision for loan and lease losses	$142,000	1,867
Total noninterest income	$307,000	3,195
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	134
Additional Noninterest Income	$307,000	2,078
Total noninterest expense	$1,768,000	2,206
Salaries and employee benefits	$945,000	2,227
Premises and equipment expense	$321,000	1,784
Additional noninterest expense	$502,000	2,334
Pre-tax net operating income	$364,000	4,287
Securities gains (losses)	$398,000	419
Applicable income taxes	$239,000	2,396
Income before extraordinary items	$523,000	2,854
Extraordinary gains, net	$0	21
Net income	$523,000	2,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$131,000	1,241
Cash dividends	$218,000	2,115
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$248,380	4,542
2002-12-31 (YTD Data)		Rank
Total interest income	$12,122,000	2,542
Total interest expense	$4,567,000	2,436
Net interest income	$7,555,000	2,532
Provision for loan and lease losses	$786,000	1,663
Total noninterest income	$1,337,000	2,847
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	153
Additional Noninterest Income	$1,337,000	1,807
Total noninterest expense	$6,129,000	2,414
Salaries and employee benefits	$2,932,000	2,686
Premises and equipment expense	$1,199,000	1,854
Additional noninterest expense	$1,998,000	2,311
Pre-tax net operating income	$1,977,000	3,460
Securities gains (losses)	$866,000	467
Applicable income taxes	$636,000	3,022
Income before extraordinary items	$2,207,000	2,597
Extraordinary gains, net	$0	70
Net income	$2,207,000	2,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$773,000	1,193
Cash dividends	$652,000	3,005
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$1,531,520	3,338
2001-12-31 (YTD Data)		Rank
Total interest income	$12,115,000	2,796
Total interest expense	$5,998,000	2,671
Net interest income	$6,117,000	2,900
Provision for loan and lease losses	$449,000	2,414
Total noninterest income	$1,172,000	2,976
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	177
Additional Noninterest Income	$1,172,000	1,829
Total noninterest expense	$5,028,000	2,812
Salaries and employee benefits	$2,306,000	3,185
Premises and equipment expense	$1,060,000	2,010
Additional noninterest expense	$1,662,000	2,632
Pre-tax net operating income	$1,812,000	3,418
Securities gains (losses)	$417,000	687
Applicable income taxes	$70,000	6,406
Income before extraordinary items	$2,159,000	2,371
Extraordinary gains, net	$0	105
Net income	$2,159,000	2,375
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$396,000	1,831
Cash dividends	$607,000	3,104
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$1,754,510	2,772
2000-12-31 (YTD Data)		Rank
Total interest income	$10,687,000	3,216
Total interest expense	$5,661,000	2,935
Net interest income	$5,026,000	3,450
Provision for loan and lease losses	$200,000	3,731
Total noninterest income	$996,000	3,142
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	180
Additional Noninterest Income	$996,000	1,864
Total noninterest expense	$5,082,000	2,675
Salaries and employee benefits	$2,402,000	2,944
Premises and equipment expense	$1,099,000	1,895
Additional noninterest expense	$1,581,000	2,677
Pre-tax net operating income	$740,000	6,072
Securities gains (losses)	$251,000	372
Applicable income taxes	$211,000	5,297
Income before extraordinary items	$780,000	5,116
Extraordinary gains, net	$0	38
Net income	$780,000	5,115
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$382,000	1,533
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$1,350,000	412
Net operating income	$581,710	5,949
1999-12-31 (YTD Data)		Rank
Total interest income	$8,933,000	3,560
Total interest expense	$4,794,000	3,048
Net interest income	$4,139,000	4,052
Provision for loan and lease losses	$324,000	2,500
Total noninterest income	$683,000	4,062
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	173
Additional Noninterest Income	$683,000	2,422
Total noninterest expense	$4,085,000	3,256
Salaries and employee benefits	$1,968,000	3,494
Premises and equipment expense	$844,000	2,389
Additional noninterest expense	$1,273,000	3,267
Pre-tax net operating income	$413,000	7,534
Securities gains (losses)	$1,037,000	209
Applicable income taxes	$-242,000	10,064
Income before extraordinary items	$1,692,000	2,947
Extraordinary gains, net	$0	35
Net income	$1,692,000	2,948
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$211,000	2,317
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$655,000	5,624
1998-12-31 (YTD Data)		Rank
Total interest income	$8,020,000	3,931
Total interest expense	$4,523,000	3,286
Net interest income	$3,497,000	4,603
Provision for loan and lease losses	$238,000	3,151
Total noninterest income	$1,545,000	2,222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	224
Additional Noninterest Income	$1,545,000	1,376
Total noninterest expense	$3,675,000	3,462
Salaries and employee benefits	$1,962,000	3,403
Premises and equipment expense	$589,000	3,227
Additional noninterest expense	$1,124,000	3,559
Pre-tax net operating income	$1,129,000	5,067
Securities gains (losses)	$222,000	870
Applicable income taxes	$460,000	4,072
Income before extraordinary items	$891,000	4,864
Extraordinary gains, net	$0	32
Net income	$891,000	4,863
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$165,000	2,765
Cash dividends	$99,000	6,316
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$744,480	5,312
1997-12-31 (YTD Data)		Rank
Total interest income	$7,191,000	4,394
Total interest expense	$4,149,000	3,541
Net interest income	$3,042,000	5,249
Provision for loan and lease losses	$119,000	4,835
Total noninterest income	$841,000	3,454
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	239
Additional Noninterest Income	$841,000	1,965
Total noninterest expense	$3,421,000	3,680
Salaries and employee benefits	$1,748,000	3,741
Premises and equipment expense	$402,000	4,436
Additional noninterest expense	$1,271,000	3,184
Pre-tax net operating income	$343,000	8,767
Securities gains (losses)	$170,000	783
Applicable income taxes	$-1,199,000	10,890
Income before extraordinary items	$1,712,000	2,968
Extraordinary gains, net	$0	44
Net income	$1,712,000	2,967
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,572
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$1,883,000	386
Net operating income	$1,542,000	3,208
1996-12-31 (YTD Data)		Rank
Total interest income	$7,414,000	4,340
Total interest expense	$4,718,000	3,166
Net interest income	$2,696,000	5,889
Provision for loan and lease losses	$13,000	8,331
Total noninterest income	$718,000	4,039
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	262
Additional Noninterest Income	$718,000	2,255
Total noninterest expense	$4,265,000	3,148
Salaries and employee benefits	$1,606,000	4,050
Premises and equipment expense	$371,000	4,824
Additional noninterest expense	$2,288,000	2,188
Pre-tax net operating income	$-864,000	11,319
Securities gains (losses)	$141,000	817
Applicable income taxes	$0	10,572
Income before extraordinary items	$-723,000	11,318
Extraordinary gains, net	$0	53
Net income	$-723,000	11,318
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	7,336
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$195,000	584
Net operating income	$-864,000	11,326
1995-12-31 (YTD Data)		Rank
Total interest income	$8,406,000	3,847
Total interest expense	$5,422,000	2,820
Net interest income	$2,984,000	5,514
Provision for loan and lease losses	$-15,000	11,445
Total noninterest income	$740,000	3,917
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	522
Additional Noninterest Income	$740,000	2,221
Total noninterest expense	$3,454,000	3,791
Salaries and employee benefits	$1,516,000	4,246
Premises and equipment expense	$367,000	4,861
Additional noninterest expense	$1,571,000	2,978
Pre-tax net operating income	$285,000	9,859
Securities gains (losses)	$118,000	888
Applicable income taxes	$-10,000	11,518
Income before extraordinary items	$413,000	7,938
Extraordinary gains, net	$0	65
Net income	$413,000	7,937
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	6,779
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	NA	NA
Net operating income	$295,000	8,954
1994-12-31 (YTD Data)		Rank
Total interest income	$7,879,000	3,804
Total interest expense	$4,563,000	2,682
Net interest income	$3,316,000	5,179
Provision for loan and lease losses	$3,000	8,961
Total noninterest income	$659,000	4,337
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	475
Additional Noninterest Income	$659,000	2,438
Total noninterest expense	$3,900,000	3,505
Salaries and employee benefits	$1,627,000	3,971
Premises and equipment expense	$368,000	4,905
Additional noninterest expense	$1,905,000	2,681
Pre-tax net operating income	$72,000	11,798
Securities gains (losses)	$70,000	960
Applicable income taxes	$-197,000	12,387
Income before extraordinary items	$339,000	8,740
Extraordinary gains, net	$0	249
Net income	$339,000	8,742
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	3,108
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$269,000	9,549
1993-12-31 (YTD Data)		Rank
Total interest income	$8,595,000	3,572
Total interest expense	$4,945,000	2,598
Net interest income	$3,650,000	4,775
Provision for loan and lease losses	$20,000	9,046
Total noninterest income	$607,000	4,918
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	532
Additional Noninterest Income	$607,000	2,870
Total noninterest expense	$4,295,000	3,264
Salaries and employee benefits	$1,507,000	4,256
Premises and equipment expense	$364,000	5,080
Additional noninterest expense	$2,424,000	2,307
Pre-tax net operating income	$-58,000	12,550
Securities gains (losses)	$690,000	718
Applicable income taxes	$18,000	11,644
Income before extraordinary items	$614,000	6,676
Extraordinary gains, net	$0	3,149
Net income	$614,000	6,836
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	6,216
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$-55,300	12,516
1992-12-31 (YTD Data)		Rank
Total interest income	$10,573,000	3,315
Total interest expense	$6,822,000	2,469
Net interest income	$3,751,000	4,729
Provision for loan and lease losses	$506,000	2,971
Total noninterest income	$1,386,000	2,539
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$48,000	320
Additional Noninterest Income	$1,338,000	1,633
Total noninterest expense	$4,931,000	2,900
Salaries and employee benefits	$1,427,000	4,418
Premises and equipment expense	$380,000	4,992
Additional noninterest expense	$3,124,000	1,935
Pre-tax net operating income	$-300,000	13,170
Securities gains (losses)	$-40,000	13,634
Applicable income taxes	$-13,000	13,407
Income before extraordinary items	$-327,000	13,272
Extraordinary gains, net	$0	1,422
Net income	$-327,000	13,267
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,061,000	1,501
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-288,600	13,139

* 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.