Home > American Bank of New Jersey > Income and Expense
American Bank of New Jersey, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,798,000 | 1,165 |
| Total interest expense | $4,114,000 | 815 |
| Net interest income | $3,684,000 | 1,512 |
| Provision for loan and lease losses | $1,514,000 | 908 |
| Total noninterest income | $387,000 | 2,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $387,000 | 1,652 |
| Total noninterest expense | $3,311,000 | 1,509 |
| Salaries and employee benefits | $1,953,000 | 1,325 |
| Premises and equipment expense | $699,000 | 1,023 |
| Additional noninterest expense | $659,000 | 2,357 |
| Pre-tax net operating income | $-754,000 | 7,515 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-350,000 | 7,833 |
| Income before extraordinary items | $-404,000 | 7,351 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-404,000 | 7,352 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-404,000 | 7,352 |
| Net charge-offs | $1,510,000 | 731 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-404,000 | 7,311 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $31,811,000 | 1,200 |
| Total interest expense | $17,451,000 | 915 |
| Net interest income | $14,360,000 | 1,559 |
| Provision for loan and lease losses | $515,000 | 3,758 |
| Total noninterest income | $1,664,000 | 2,441 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,664,000 | 1,487 |
| Total noninterest expense | $13,145,000 | 1,482 |
| Salaries and employee benefits | $8,501,000 | 1,167 |
| Premises and equipment expense | $2,752,000 | 1,008 |
| Additional noninterest expense | $1,892,000 | 3,003 |
| Pre-tax net operating income | $2,364,000 | 2,182 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $784,000 | 1,418 |
| Income before extraordinary items | $1,582,000 | 2,421 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,582,000 | 2,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 4,681 |
| Cash dividends | $6,500,000 | 438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,580,660 | 2,565 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,747,000 | 1,237 |
| Total interest expense | $13,201,000 | 943 |
| Net interest income | $10,546,000 | 1,604 |
| Provision for loan and lease losses | $362,000 | 3,235 |
| Total noninterest income | $1,246,000 | 2,508 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,246,000 | 1,554 |
| Total noninterest expense | $9,958,000 | 1,457 |
| Salaries and employee benefits | $6,533,000 | 1,158 |
| Premises and equipment expense | $2,048,000 | 1,023 |
| Additional noninterest expense | $1,377,000 | 2,985 |
| Pre-tax net operating income | $1,472,000 | 2,876 |
| Securities gains (losses) | $2,000 | 2,845 |
| Applicable income taxes | $476,000 | 1,962 |
| Income before extraordinary items | $998,000 | 3,107 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $998,000 | 3,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,039 |
| Cash dividends | $6,500,000 | 352 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $996,640 | 3,257 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,648,000 | 1,271 |
| Total interest expense | $9,004,000 | 958 |
| Net interest income | $6,644,000 | 1,683 |
| Provision for loan and lease losses | $292,000 | 2,604 |
| Total noninterest income | $819,000 | 2,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $819,000 | 1,617 |
| Total noninterest expense | $6,758,000 | 1,423 |
| Salaries and employee benefits | $4,495,000 | 1,135 |
| Premises and equipment expense | $1,368,000 | 1,019 |
| Additional noninterest expense | $895,000 | 3,026 |
| Pre-tax net operating income | $413,000 | 4,733 |
| Securities gains (losses) | $2,000 | 2,957 |
| Applicable income taxes | $81,000 | 3,656 |
| Income before extraordinary items | $334,000 | 4,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $334,000 | 4,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,173 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $332,400 | 4,769 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,638,000 | 1,340 |
| Total interest expense | $4,589,000 | 1,011 |
| Net interest income | $3,049,000 | 1,836 |
| Provision for loan and lease losses | $170,000 | 1,988 |
| Total noninterest income | $386,000 | 2,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $386,000 | 1,673 |
| Total noninterest expense | $3,415,000 | 1,400 |
| Salaries and employee benefits | $2,365,000 | 1,097 |
| Premises and equipment expense | $657,000 | 1,059 |
| Additional noninterest expense | $393,000 | 3,362 |
| Pre-tax net operating income | $-150,000 | 7,666 |
| Securities gains (losses) | $2,000 | 2,447 |
| Applicable income taxes | $-103,000 | 8,145 |
| Income before extraordinary items | $-45,000 | 7,482 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-45,000 | 7,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 2,854 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-46,280 | 7,426 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,567,000 | 1,455 |
| Total interest expense | $18,600,000 | 1,047 |
| Net interest income | $10,967,000 | 2,060 |
| Provision for loan and lease losses | $534,000 | 2,234 |
| Total noninterest income | $1,409,000 | 2,821 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,409,000 | 1,753 |
| Total noninterest expense | $12,601,000 | 1,462 |
| Salaries and employee benefits | $8,672,000 | 1,157 |
| Premises and equipment expense | $2,099,000 | 1,261 |
| Additional noninterest expense | $1,830,000 | 2,887 |
| Pre-tax net operating income | $-759,000 | 7,950 |
| Securities gains (losses) | $48,000 | 809 |
| Applicable income taxes | $-434,000 | 8,285 |
| Income before extraordinary items | $-277,000 | 7,762 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-277,000 | 7,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-307,720 | 7,766 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,833,000 | 1,485 |
| Total interest expense | $13,705,000 | 1,068 |
| Net interest income | $8,128,000 | 2,101 |
| Provision for loan and lease losses | $395,000 | 1,885 |
| Total noninterest income | $1,031,000 | 2,849 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,031,000 | 1,794 |
| Total noninterest expense | $9,391,000 | 1,450 |
| Salaries and employee benefits | $6,559,000 | 1,145 |
| Premises and equipment expense | $1,466,000 | 1,340 |
| Additional noninterest expense | $1,366,000 | 2,832 |
| Pre-tax net operating income | $-627,000 | 8,148 |
| Securities gains (losses) | $41,000 | 663 |
| Applicable income taxes | $-339,000 | 8,388 |
| Income before extraordinary items | $-247,000 | 7,972 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-247,000 | 7,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-273,240 | 7,972 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,320,000 | 1,524 |
| Total interest expense | $8,889,000 | 1,104 |
| Net interest income | $5,431,000 | 2,131 |
| Provision for loan and lease losses | $270,000 | 1,691 |
| Total noninterest income | $677,000 | 2,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $677,000 | 1,824 |
| Total noninterest expense | $6,031,000 | 1,524 |
| Salaries and employee benefits | $4,324,000 | 1,181 |
| Premises and equipment expense | $899,000 | 1,488 |
| Additional noninterest expense | $808,000 | 3,167 |
| Pre-tax net operating income | $-193,000 | 8,077 |
| Securities gains (losses) | $41,000 | 574 |
| Applicable income taxes | $-129,000 | 8,411 |
| Income before extraordinary items | $-23,000 | 7,853 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-23,000 | 7,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-49,240 | 7,901 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,973,000 | 1,555 |
| Total interest expense | $4,273,000 | 1,144 |
| Net interest income | $2,700,000 | 2,143 |
| Provision for loan and lease losses | $193,000 | 1,202 |
| Total noninterest income | $322,000 | 2,973 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $322,000 | 1,864 |
| Total noninterest expense | $2,913,000 | 1,574 |
| Salaries and employee benefits | $2,097,000 | 1,222 |
| Premises and equipment expense | $428,000 | 1,568 |
| Additional noninterest expense | $388,000 | 3,252 |
| Pre-tax net operating income | $-84,000 | 8,113 |
| Securities gains (losses) | $11,000 | 674 |
| Applicable income taxes | $-62,000 | 8,452 |
| Income before extraordinary items | $-11,000 | 7,915 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-11,000 | 7,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-18,040 | 7,941 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $24,430,000 | 1,653 |
| Total interest expense | $13,369,000 | 1,258 |
| Net interest income | $11,061,000 | 2,094 |
| Provision for loan and lease losses | $427,000 | 2,164 |
| Total noninterest income | $1,267,000 | 3,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,267,000 | 1,883 |
| Total noninterest expense | $10,865,000 | 1,631 |
| Salaries and employee benefits | $7,390,000 | 1,323 |
| Premises and equipment expense | $1,608,000 | 1,594 |
| Additional noninterest expense | $1,867,000 | 2,727 |
| Pre-tax net operating income | $1,036,000 | 5,114 |
| Securities gains (losses) | $16,000 | 966 |
| Applicable income taxes | $351,000 | 3,587 |
| Income before extraordinary items | $701,000 | 5,509 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $701,000 | 5,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $4,119,000 | 331 |
| Net operating income | $690,280 | 5,533 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,990,000 | 1,666 |
| Total interest expense | $9,593,000 | 1,286 |
| Net interest income | $8,397,000 | 2,087 |
| Provision for loan and lease losses | $377,000 | 1,786 |
| Total noninterest income | $982,000 | 2,959 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $982,000 | 1,848 |
| Total noninterest expense | $8,109,000 | 1,651 |
| Salaries and employee benefits | $5,446,000 | 1,360 |
| Premises and equipment expense | $1,220,000 | 1,593 |
| Additional noninterest expense | $1,443,000 | 2,648 |
| Pre-tax net operating income | $893,000 | 4,992 |
| Securities gains (losses) | $14,000 | 824 |
| Applicable income taxes | $313,000 | 3,526 |
| Income before extraordinary items | $594,000 | 5,381 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $594,000 | 5,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $4,119,000 | 252 |
| Net operating income | $584,900 | 5,413 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,753,000 | 1,658 |
| Total interest expense | $6,114,000 | 1,281 |
| Net interest income | $5,639,000 | 2,077 |
| Provision for loan and lease losses | $268,000 | 1,666 |
| Total noninterest income | $669,000 | 2,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $669,000 | 1,821 |
| Total noninterest expense | $5,198,000 | 1,721 |
| Salaries and employee benefits | $3,472,000 | 1,422 |
| Premises and equipment expense | $789,000 | 1,633 |
| Additional noninterest expense | $937,000 | 2,720 |
| Pre-tax net operating income | $842,000 | 4,203 |
| Securities gains (losses) | $10,000 | 737 |
| Applicable income taxes | $300,000 | 3,043 |
| Income before extraordinary items | $552,000 | 4,642 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $552,000 | 4,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $4,119,000 | 169 |
| Net operating income | $545,500 | 4,663 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,776,000 | 1,644 |
| Total interest expense | $2,925,000 | 1,278 |
| Net interest income | $2,851,000 | 2,033 |
| Provision for loan and lease losses | $159,000 | 1,368 |
| Total noninterest income | $367,000 | 2,692 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $367,000 | 1,662 |
| Total noninterest expense | $2,503,000 | 1,771 |
| Salaries and employee benefits | $1,670,000 | 1,485 |
| Premises and equipment expense | $363,000 | 1,756 |
| Additional noninterest expense | $470,000 | 2,686 |
| Pre-tax net operating income | $556,000 | 3,506 |
| Securities gains (losses) | $6,000 | 667 |
| Applicable income taxes | $206,000 | 2,564 |
| Income before extraordinary items | $356,000 | 3,983 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $356,000 | 3,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $352,160 | 3,989 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,649,000 | 1,548 |
| Total interest expense | $10,363,000 | 1,088 |
| Net interest income | $11,286,000 | 1,975 |
| Provision for loan and lease losses | $127,000 | 4,372 |
| Total noninterest income | $1,246,000 | 3,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,246,000 | 1,912 |
| Total noninterest expense | $8,868,000 | 1,906 |
| Salaries and employee benefits | $6,007,000 | 1,557 |
| Premises and equipment expense | $1,464,000 | 1,671 |
| Additional noninterest expense | $1,397,000 | 3,419 |
| Pre-tax net operating income | $3,537,000 | 2,435 |
| Securities gains (losses) | $-255,000 | 8,619 |
| Applicable income taxes | $1,211,000 | 1,994 |
| Income before extraordinary items | $2,071,000 | 3,010 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,071,000 | 3,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $54,818,000 | 20 |
| Net operating income | $2,234,200 | 2,771 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,642,000 | 1,570 |
| Total interest expense | $7,419,000 | 1,072 |
| Net interest income | $8,223,000 | 2,007 |
| Provision for loan and lease losses | $40,000 | 5,540 |
| Total noninterest income | $951,000 | 3,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $951,000 | 1,881 |
| Total noninterest expense | $6,696,000 | 1,873 |
| Salaries and employee benefits | $4,624,000 | 1,508 |
| Premises and equipment expense | $1,108,000 | 1,639 |
| Additional noninterest expense | $964,000 | 3,601 |
| Pre-tax net operating income | $2,438,000 | 2,620 |
| Securities gains (losses) | $14,000 | 1,366 |
| Applicable income taxes | $898,000 | 2,039 |
| Income before extraordinary items | $1,554,000 | 3,038 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,554,000 | 3,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,545,040 | 3,022 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,269,000 | 1,547 |
| Total interest expense | $4,753,000 | 1,047 |
| Net interest income | $5,516,000 | 1,967 |
| Provision for loan and lease losses | $64,000 | 4,058 |
| Total noninterest income | $568,000 | 3,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $568,000 | 2,009 |
| Total noninterest expense | $4,452,000 | 1,858 |
| Salaries and employee benefits | $3,118,000 | 1,486 |
| Premises and equipment expense | $723,000 | 1,658 |
| Additional noninterest expense | $611,000 | 3,739 |
| Pre-tax net operating income | $1,568,000 | 2,665 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $565,000 | 2,092 |
| Income before extraordinary items | $1,006,000 | 3,075 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,006,000 | 3,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,004,080 | 3,028 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,065,000 | 1,538 |
| Total interest expense | $2,256,000 | 1,040 |
| Net interest income | $2,809,000 | 1,916 |
| Provision for loan and lease losses | $70,000 | 2,663 |
| Total noninterest income | $290,000 | 3,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $290,000 | 1,926 |
| Total noninterest expense | $1,992,000 | 2,079 |
| Salaries and employee benefits | $1,307,000 | 1,768 |
| Premises and equipment expense | $350,000 | 1,711 |
| Additional noninterest expense | $335,000 | 3,479 |
| Pre-tax net operating income | $1,037,000 | 2,101 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $378,000 | 1,677 |
| 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 | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $659,000 | 2,393 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,549,000 | 1,553 |
| Total interest expense | $8,271,000 | 979 |
| Net interest income | $10,278,000 | 1,975 |
| Provision for loan and lease losses | $207,000 | 3,624 |
| Total noninterest income | $1,244,000 | 3,048 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,244,000 | 1,857 |
| Total noninterest expense | $7,589,000 | 2,100 |
| Salaries and employee benefits | $4,858,000 | 1,810 |
| Premises and equipment expense | $1,469,000 | 1,587 |
| Additional noninterest expense | $1,262,000 | 3,603 |
| Pre-tax net operating income | $3,726,000 | 2,169 |
| Securities gains (losses) | $21,000 | 2,362 |
| Applicable income taxes | $1,439,000 | 1,656 |
| Income before extraordinary items | $2,308,000 | 2,586 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,308,000 | 2,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,294,560 | 2,547 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,670,000 | 1,560 |
| Total interest expense | $6,072,000 | 980 |
| Net interest income | $7,598,000 | 1,983 |
| Provision for loan and lease losses | $166,000 | 3,364 |
| Total noninterest income | $998,000 | 2,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $998,000 | 1,770 |
| Total noninterest expense | $5,722,000 | 2,089 |
| Salaries and employee benefits | $3,656,000 | 1,792 |
| Premises and equipment expense | $1,119,000 | 1,556 |
| Additional noninterest expense | $947,000 | 3,578 |
| Pre-tax net operating income | $2,708,000 | 2,240 |
| Securities gains (losses) | $20,000 | 2,305 |
| Applicable income taxes | $1,058,000 | 1,690 |
| Income before extraordinary items | $1,670,000 | 2,705 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,670,000 | 2,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,657,200 | 2,670 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,981,000 | 1,576 |
| Total interest expense | $3,940,000 | 989 |
| Net interest income | $5,041,000 | 1,974 |
| Provision for loan and lease losses | $55,000 | 4,589 |
| Total noninterest income | $515,000 | 3,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $515,000 | 2,144 |
| Total noninterest expense | $3,688,000 | 2,162 |
| Salaries and employee benefits | $2,394,000 | 1,826 |
| Premises and equipment expense | $763,000 | 1,517 |
| Additional noninterest expense | $531,000 | 4,128 |
| Pre-tax net operating income | $1,813,000 | 2,221 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $710,000 | 1,690 |
| Income before extraordinary items | $1,118,000 | 2,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,118,000 | 2,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,108,400 | 2,618 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,536,000 | 1,551 |
| Total interest expense | $1,960,000 | 1,017 |
| Net interest income | $2,576,000 | 1,936 |
| Provision for loan and lease losses | $13,000 | 5,421 |
| Total noninterest income | $270,000 | 3,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $270,000 | 2,016 |
| Total noninterest expense | $1,907,000 | 2,099 |
| Salaries and employee benefits | $1,204,000 | 1,831 |
| Premises and equipment expense | $393,000 | 1,487 |
| Additional noninterest expense | $310,000 | 3,648 |
| Pre-tax net operating income | $926,000 | 2,144 |
| Securities gains (losses) | $14,000 | 1,880 |
| Applicable income taxes | $361,000 | 1,689 |
| Income before extraordinary items | $579,000 | 2,585 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $579,000 | 2,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $570,040 | 2,540 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,406,000 | 1,636 |
| Total interest expense | $8,718,000 | 1,022 |
| Net interest income | $8,688,000 | 2,231 |
| Provision for loan and lease losses | $244,000 | 3,591 |
| Total noninterest income | $924,000 | 3,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $924,000 | 2,507 |
| Total noninterest expense | $6,941,000 | 2,267 |
| Salaries and employee benefits | $4,401,000 | 1,955 |
| Premises and equipment expense | $1,349,000 | 1,683 |
| Additional noninterest expense | $1,191,000 | 3,748 |
| Pre-tax net operating income | $2,427,000 | 2,957 |
| Securities gains (losses) | $-30,000 | 8,914 |
| Applicable income taxes | $892,000 | 2,335 |
| Income before extraordinary items | $1,505,000 | 3,552 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,505,000 | 3,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,543 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,524,200 | 3,358 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,953,000 | 1,685 |
| Total interest expense | $6,617,000 | 1,053 |
| Net interest income | $6,336,000 | 2,301 |
| Provision for loan and lease losses | $203,000 | 3,311 |
| Total noninterest income | $651,000 | 4,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $651,000 | 2,689 |
| Total noninterest expense | $5,113,000 | 2,314 |
| Salaries and employee benefits | $3,278,000 | 1,968 |
| Premises and equipment expense | $967,000 | 1,771 |
| Additional noninterest expense | $868,000 | 3,814 |
| Pre-tax net operating income | $1,671,000 | 3,256 |
| Securities gains (losses) | $-37,000 | 9,056 |
| Applicable income taxes | $595,000 | 2,687 |
| Income before extraordinary items | $1,039,000 | 3,892 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,039,000 | 3,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,434 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,062,680 | 3,675 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,743,000 | 1,680 |
| Total interest expense | $4,439,000 | 1,084 |
| Net interest income | $4,304,000 | 2,263 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $452,000 | 3,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $452,000 | 2,601 |
| Total noninterest expense | $3,320,000 | 2,365 |
| Salaries and employee benefits | $2,167,000 | 1,969 |
| Premises and equipment expense | $623,000 | 1,831 |
| Additional noninterest expense | $530,000 | 4,050 |
| Pre-tax net operating income | $1,316,000 | 2,881 |
| Securities gains (losses) | $-104,000 | 9,193 |
| Applicable income taxes | $443,000 | 2,502 |
| Income before extraordinary items | $769,000 | 3,615 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $769,000 | 3,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,405 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $835,560 | 3,215 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,368,000 | 1,696 |
| Total interest expense | $2,252,000 | 1,086 |
| Net interest income | $2,116,000 | 2,300 |
| Provision for loan and lease losses | $79,000 | 2,758 |
| Total noninterest income | $210,000 | 4,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $210,000 | 2,635 |
| Total noninterest expense | $1,645,000 | 2,363 |
| Salaries and employee benefits | $1,087,000 | 1,959 |
| Premises and equipment expense | $313,000 | 1,822 |
| Additional noninterest expense | $245,000 | 4,281 |
| Pre-tax net operating income | $602,000 | 3,071 |
| Securities gains (losses) | $-188,000 | 9,282 |
| Applicable income taxes | $145,000 | 3,277 |
| Income before extraordinary items | $269,000 | 4,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $269,000 | 4,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $391,200 | 3,345 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,677,000 | 1,737 |
| Total interest expense | $8,704,000 | 1,283 |
| Net interest income | $8,973,000 | 2,158 |
| Provision for loan and lease losses | $155,000 | 4,849 |
| Total noninterest income | $762,000 | 4,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $762,000 | 2,575 |
| Total noninterest expense | $6,494,000 | 2,299 |
| Salaries and employee benefits | $4,243,000 | 1,899 |
| Premises and equipment expense | $1,143,000 | 1,932 |
| Additional noninterest expense | $1,108,000 | 3,855 |
| Pre-tax net operating income | $3,086,000 | 2,443 |
| Securities gains (losses) | $8,000 | 3,732 |
| Applicable income taxes | $1,251,000 | 1,891 |
| Income before extraordinary items | $1,843,000 | 2,970 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,843,000 | 2,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 9,111 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,837,880 | 2,894 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,107,000 | 2,139 |
| Total interest expense | $9,137,000 | 1,781 |
| Net interest income | $6,970,000 | 2,567 |
| Provision for loan and lease losses | $2,000 | 8,184 |
| Total noninterest income | $574,000 | 4,704 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $574,000 | 2,905 |
| Total noninterest expense | $5,294,000 | 2,678 |
| Salaries and employee benefits | $3,295,000 | 2,277 |
| Premises and equipment expense | $986,000 | 2,168 |
| Additional noninterest expense | $1,013,000 | 4,029 |
| Pre-tax net operating income | $2,248,000 | 2,903 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $688,000 | 2,702 |
| Income before extraordinary items | $1,561,000 | 3,130 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,561,000 | 3,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 9,387 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,560,310 | 3,036 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,363,000 | 2,285 |
| Total interest expense | $8,796,000 | 1,965 |
| Net interest income | $6,567,000 | 2,714 |
| Provision for loan and lease losses | $30,000 | 7,204 |
| Total noninterest income | $663,000 | 4,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $663,000 | 2,466 |
| Total noninterest expense | $4,317,000 | 3,123 |
| Salaries and employee benefits | $2,740,000 | 2,595 |
| Premises and equipment expense | $796,000 | 2,582 |
| Additional noninterest expense | $781,000 | 4,816 |
| Pre-tax net operating income | $2,883,000 | 2,466 |
| Securities gains (losses) | $15,000 | 1,035 |
| Applicable income taxes | $1,050,000 | 2,036 |
| Income before extraordinary items | $1,848,000 | 2,751 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,848,000 | 2,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,044 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,838,400 | 2,762 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,342,000 | 2,454 |
| Total interest expense | $7,300,000 | 2,049 |
| Net interest income | $6,042,000 | 2,915 |
| Provision for loan and lease losses | $-8,000 | 9,979 |
| Total noninterest income | $595,000 | 4,454 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $595,000 | 2,644 |
| Total noninterest expense | $4,228,000 | 3,152 |
| Salaries and employee benefits | $2,558,000 | 2,750 |
| Premises and equipment expense | $771,000 | 2,632 |
| Additional noninterest expense | $899,000 | 4,386 |
| Pre-tax net operating income | $2,417,000 | 2,865 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $915,000 | 2,356 |
| Income before extraordinary items | $1,507,000 | 3,233 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,507,000 | 3,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,024 |
| Net operating income | $1,503,800 | 3,200 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,744,000 | 2,754 |
| Total interest expense | $6,300,000 | 2,393 |
| Net interest income | $5,444,000 | 3,155 |
| Provision for loan and lease losses | $-3,000 | 10,189 |
| Total noninterest income | $483,000 | 5,041 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $483,000 | 3,044 |
| Total noninterest expense | $3,839,000 | 3,340 |
| Salaries and employee benefits | $2,349,000 | 2,884 |
| Premises and equipment expense | $684,000 | 2,821 |
| Additional noninterest expense | $806,000 | 4,651 |
| Pre-tax net operating income | $2,091,000 | 3,229 |
| Securities gains (losses) | $13,000 | 2,771 |
| Applicable income taxes | $770,000 | 2,822 |
| Income before extraordinary items | $1,334,000 | 3,594 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,334,000 | 3,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,325,680 | 3,525 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,056,000 | 2,950 |
| Total interest expense | $5,619,000 | 2,657 |
| Net interest income | $5,437,000 | 3,210 |
| Provision for loan and lease losses | $-22,000 | 10,647 |
| Total noninterest income | $568,000 | 4,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $568,000 | 2,593 |
| Total noninterest expense | $3,686,000 | 3,431 |
| Salaries and employee benefits | $2,297,000 | 2,883 |
| Premises and equipment expense | $547,000 | 3,427 |
| Additional noninterest expense | $842,000 | 4,549 |
| Pre-tax net operating income | $2,341,000 | 3,078 |
| Securities gains (losses) | $18,000 | 1,964 |
| Applicable income taxes | $855,000 | 2,787 |
| Income before extraordinary items | $1,504,000 | 3,350 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,504,000 | 3,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,492,480 | 3,301 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,507,000 | 3,128 |
| Total interest expense | $5,499,000 | 2,766 |
| Net interest income | $5,008,000 | 3,528 |
| Provision for loan and lease losses | $579,000 | 1,564 |
| Total noninterest income | $421,000 | 5,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $421,000 | 3,296 |
| Total noninterest expense | $4,957,000 | 2,759 |
| Salaries and employee benefits | $2,390,000 | 2,808 |
| Premises and equipment expense | $510,000 | 3,724 |
| Additional noninterest expense | $2,057,000 | 2,393 |
| Pre-tax net operating income | $-107,000 | 10,966 |
| Securities gains (losses) | $41,000 | 1,473 |
| Applicable income taxes | $-417,000 | 11,335 |
| Income before extraordinary items | $351,000 | 7,994 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $351,000 | 7,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,315,000 | 757 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $324,760 | 8,152 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,137,000 | 3,243 |
| Total interest expense | $5,264,000 | 2,898 |
| Net interest income | $4,873,000 | 3,627 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $602,000 | 4,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $602,000 | 2,522 |
| Total noninterest expense | $3,563,000 | 3,675 |
| Salaries and employee benefits | $1,890,000 | 3,495 |
| Premises and equipment expense | $510,000 | 3,703 |
| Additional noninterest expense | $1,163,000 | 3,844 |
| Pre-tax net operating income | $1,737,000 | 3,959 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $636,000 | 3,517 |
| Income before extraordinary items | $1,105,000 | 4,236 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,105,000 | 4,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $738,000 | 1,080 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,102,440 | 4,223 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,481,000 | 3,187 |
| Total interest expense | $3,895,000 | 3,128 |
| Net interest income | $5,586,000 | 3,211 |
| Provision for loan and lease losses | $714,000 | 1,187 |
| Total noninterest income | $979,000 | 3,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $979,000 | 1,861 |
| Total noninterest expense | $3,665,000 | 3,689 |
| Salaries and employee benefits | $1,852,000 | 3,516 |
| Premises and equipment expense | $506,000 | 3,764 |
| Additional noninterest expense | $1,307,000 | 3,757 |
| Pre-tax net operating income | $2,186,000 | 3,191 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $1,047,000 | 2,133 |
| Income before extraordinary items | $1,136,000 | 4,063 |
| Extraordinary gains, net | $631,000 | 20 |
| Net income | $1,767,000 | 2,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $417,000 | 1,547 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,137,920 | 4,093 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,675,000 | 3,197 |
| Total interest expense | $4,080,000 | 3,114 |
| Net interest income | $5,595,000 | 3,225 |
| Provision for loan and lease losses | $376,000 | 2,558 |
| Total noninterest income | $-440,000 | 13,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $-440,000 | 13,304 |
| Total noninterest expense | $2,923,000 | 4,620 |
| Salaries and employee benefits | $1,629,000 | 3,961 |
| Premises and equipment expense | $455,000 | 4,216 |
| Additional noninterest expense | $839,000 | 5,691 |
| Pre-tax net operating income | $1,856,000 | 3,570 |
| Securities gains (losses) | $78,000 | 2,824 |
| Applicable income taxes | $931,000 | 2,434 |
| Income before extraordinary items | $1,003,000 | 4,694 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,003,000 | 4,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,289 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $953,080 | 4,642 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,482,000 | 3,330 |
| Total interest expense | $5,482,000 | 3,031 |
| Net interest income | $5,000,000 | 3,633 |
| Provision for loan and lease losses | $833,000 | 2,104 |
| Total noninterest income | $-519,000 | 13,917 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $-519,000 | 13,957 |
| Total noninterest expense | $4,013,000 | 3,496 |
| Salaries and employee benefits | $1,808,000 | 3,539 |
| Premises and equipment expense | $695,000 | 2,937 |
| Additional noninterest expense | $1,510,000 | 3,575 |
| Pre-tax net operating income | $-365,000 | 13,213 |
| Securities gains (losses) | $215,000 | 1,915 |
| Applicable income taxes | $-158,000 | 13,625 |
| Income before extraordinary items | $8,000 | 12,846 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $8,000 | 12,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,732,000 | 1,066 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-129,600 | 12,959 |
* 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.