Home > American Bank of Texas - Seguin > Income and Expense
American Bank of Texas - Seguin, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,281,000 | 2,749 |
| Total interest expense | $1,134,000 | 2,941 |
| Net interest income | $2,147,000 | 2,635 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $693,000 | 1,707 |
| Gross Fiduciary activities income | $77,000 | 712 |
| Service charges on deposit accounts | $226,000 | 1,847 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $390,000 | 1,603 |
| Total noninterest expense | $2,285,000 | 1,944 |
| Salaries and employee benefits | $1,228,000 | 1,997 |
| Premises and equipment expense | $316,000 | 2,006 |
| Additional noninterest expense | $741,000 | 1,768 |
| Pre-tax net operating income | $549,000 | 3,540 |
| Securities gains (losses) | $79,000 | 281 |
| Applicable income taxes | $136,000 | 3,182 |
| Income before extraordinary items | $492,000 | 3,203 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $492,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,099 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $430,380 | 3,485 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 7,268 |
| Total interest expense | $703,000 | 7,036 |
| Net interest income | $1,494,000 | 7,297 |
| Provision for loan and lease losses | $2,000 | 7,079 |
| Total noninterest income | $378,000 | 5,845 |
| Gross Fiduciary activities income | $37,000 | 1,088 |
| Service charges on deposit accounts | $162,000 | 5,470 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $179,000 | 5,389 |
| Total noninterest expense | $1,563,000 | 6,784 |
| Salaries and employee benefits | $785,000 | 6,983 |
| Premises and equipment expense | $200,000 | 6,728 |
| Additional noninterest expense | $578,000 | 6,170 |
| Pre-tax net operating income | $307,000 | 7,352 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $44,000 | 5,950 |
| Income before extraordinary items | $263,000 | 7,334 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $263,000 | 7,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,855 |
| Cash dividends | $16,300,000 | 278 |
| Sale, conversion, retirement of capital stock, net | $-261,000 | 8,784 |
| Net operating income | $263,000 | 7,313 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,088,000 | 2,631 |
| Total interest expense | $2,625,000 | 2,814 |
| Net interest income | $6,463,000 | 2,510 |
| Provision for loan and lease losses | $49,000 | 5,249 |
| Total noninterest income | $1,926,000 | 1,842 |
| Gross Fiduciary activities income | $266,000 | 652 |
| Service charges on deposit accounts | $778,000 | 1,657 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $882,000 | 1,981 |
| Total noninterest expense | $6,699,000 | 1,871 |
| Salaries and employee benefits | $4,106,000 | 1,682 |
| Premises and equipment expense | $780,000 | 2,273 |
| Additional noninterest expense | $1,813,000 | 2,058 |
| Pre-tax net operating income | $1,641,000 | 3,524 |
| Securities gains (losses) | $228,000 | 443 |
| Applicable income taxes | $291,000 | 3,852 |
| Income before extraordinary items | $1,578,000 | 3,013 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,578,000 | 3,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,490 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,386,480 | 3,289 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,919,000 | 2,629 |
| Total interest expense | $1,626,000 | 2,864 |
| Net interest income | $4,293,000 | 2,494 |
| Provision for loan and lease losses | $31,000 | 5,120 |
| Total noninterest income | $1,240,000 | 1,881 |
| Gross Fiduciary activities income | $189,000 | 648 |
| Service charges on deposit accounts | $513,000 | 1,639 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $538,000 | 2,083 |
| Total noninterest expense | $4,403,000 | 1,883 |
| Salaries and employee benefits | $2,729,000 | 1,680 |
| Premises and equipment expense | $512,000 | 2,285 |
| Additional noninterest expense | $1,162,000 | 2,113 |
| Pre-tax net operating income | $1,099,000 | 3,468 |
| Securities gains (losses) | $228,000 | 378 |
| Applicable income taxes | $278,000 | 3,229 |
| Income before extraordinary items | $1,049,000 | 2,977 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,049,000 | 2,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,718 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $868,880 | 3,391 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,883,000 | 2,664 |
| Total interest expense | $748,000 | 2,962 |
| Net interest income | $2,135,000 | 2,502 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $584,000 | 1,918 |
| Gross Fiduciary activities income | $58,000 | 773 |
| Service charges on deposit accounts | $259,000 | 1,570 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $267,000 | 2,045 |
| Total noninterest expense | $2,221,000 | 1,871 |
| Salaries and employee benefits | $1,379,000 | 1,666 |
| Premises and equipment expense | $260,000 | 2,274 |
| Additional noninterest expense | $582,000 | 2,107 |
| Pre-tax net operating income | $488,000 | 3,742 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $62,000 | 4,479 |
| Income before extraordinary items | $426,000 | 3,462 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $426,000 | 3,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $426,000 | 3,427 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,636,000 | 2,468 |
| Total interest expense | $2,680,000 | 2,886 |
| Net interest income | $8,956,000 | 2,278 |
| Provision for loan and lease losses | $27,000 | 6,524 |
| Total noninterest income | $2,289,000 | 1,998 |
| Gross Fiduciary activities income | $261,000 | 726 |
| Service charges on deposit accounts | $1,194,000 | 1,474 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $834,000 | 2,430 |
| Total noninterest expense | $8,748,000 | 1,851 |
| Salaries and employee benefits | $5,336,000 | 1,649 |
| Premises and equipment expense | $1,149,000 | 2,007 |
| Additional noninterest expense | $2,263,000 | 2,151 |
| Pre-tax net operating income | $2,470,000 | 3,040 |
| Securities gains (losses) | $43,000 | 1,860 |
| Applicable income taxes | $311,000 | 4,125 |
| Income before extraordinary items | $2,202,000 | 2,694 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,202,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,948 |
| Cash dividends | $1,504,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,164,160 | 2,671 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,710,000 | 2,443 |
| Total interest expense | $2,028,000 | 2,799 |
| Net interest income | $6,682,000 | 2,259 |
| Provision for loan and lease losses | $11,000 | 6,669 |
| Total noninterest income | $1,751,000 | 1,978 |
| Gross Fiduciary activities income | $201,000 | 725 |
| Service charges on deposit accounts | $890,000 | 1,499 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $660,000 | 2,353 |
| Total noninterest expense | $6,430,000 | 1,861 |
| Salaries and employee benefits | $3,955,000 | 1,672 |
| Premises and equipment expense | $818,000 | 2,100 |
| Additional noninterest expense | $1,657,000 | 2,179 |
| Pre-tax net operating income | $1,992,000 | 2,894 |
| Securities gains (losses) | $47,000 | 1,709 |
| Applicable income taxes | $296,000 | 3,825 |
| Income before extraordinary items | $1,743,000 | 2,618 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,743,000 | 2,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,278 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,703,050 | 2,603 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,776,000 | 2,429 |
| Total interest expense | $1,369,000 | 2,767 |
| Net interest income | $4,407,000 | 2,272 |
| Provision for loan and lease losses | $10,000 | 6,364 |
| Total noninterest income | $1,167,000 | 1,968 |
| Gross Fiduciary activities income | $136,000 | 720 |
| Service charges on deposit accounts | $590,000 | 1,488 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $441,000 | 2,374 |
| Total noninterest expense | $4,261,000 | 1,876 |
| Salaries and employee benefits | $2,638,000 | 1,669 |
| Premises and equipment expense | $517,000 | 2,211 |
| Additional noninterest expense | $1,106,000 | 2,186 |
| Pre-tax net operating income | $1,303,000 | 2,913 |
| Securities gains (losses) | $38,000 | 1,632 |
| Applicable income taxes | $186,000 | 3,906 |
| Income before extraordinary items | $1,155,000 | 2,609 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,155,000 | 2,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,834 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,122,320 | 2,597 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,934,000 | 2,398 |
| Total interest expense | $683,000 | 2,804 |
| Net interest income | $2,251,000 | 2,221 |
| Provision for loan and lease losses | $5,000 | 6,071 |
| Total noninterest income | $569,000 | 1,967 |
| Gross Fiduciary activities income | $68,000 | 733 |
| Service charges on deposit accounts | $296,000 | 1,446 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $205,000 | 2,439 |
| Total noninterest expense | $2,110,000 | 1,901 |
| Salaries and employee benefits | $1,309,000 | 1,696 |
| Premises and equipment expense | $248,000 | 2,331 |
| Additional noninterest expense | $553,000 | 2,147 |
| Pre-tax net operating income | $705,000 | 2,687 |
| Securities gains (losses) | $9,000 | 2,096 |
| Applicable income taxes | $94,000 | 3,887 |
| Income before extraordinary items | $620,000 | 2,424 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $620,000 | 2,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $612,170 | 2,370 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,448,000 | 2,310 |
| Total interest expense | $3,173,000 | 2,723 |
| Net interest income | $9,275,000 | 2,105 |
| Provision for loan and lease losses | $105,000 | 5,236 |
| Total noninterest income | $2,330,000 | 2,068 |
| Gross Fiduciary activities income | $325,000 | 680 |
| Service charges on deposit accounts | $1,139,000 | 1,505 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $866,000 | 2,602 |
| Total noninterest expense | $8,807,000 | 1,800 |
| Salaries and employee benefits | $5,105,000 | 1,690 |
| Premises and equipment expense | $1,140,000 | 1,998 |
| Additional noninterest expense | $2,562,000 | 1,886 |
| Pre-tax net operating income | $2,693,000 | 2,734 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $396,000 | 3,801 |
| Income before extraordinary items | $2,297,000 | 2,562 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,297,000 | 2,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,681 |
| Cash dividends | $1,504,000 | 1,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,297,000 | 2,441 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,443,000 | 2,322 |
| Total interest expense | $2,462,000 | 2,722 |
| Net interest income | $6,981,000 | 2,112 |
| Provision for loan and lease losses | $87,000 | 5,029 |
| Total noninterest income | $1,788,000 | 2,076 |
| Gross Fiduciary activities income | $264,000 | 667 |
| Service charges on deposit accounts | $847,000 | 1,535 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $677,000 | 2,622 |
| Total noninterest expense | $6,585,000 | 1,812 |
| Salaries and employee benefits | $3,795,000 | 1,713 |
| Premises and equipment expense | $824,000 | 2,090 |
| Additional noninterest expense | $1,966,000 | 1,836 |
| Pre-tax net operating income | $2,097,000 | 2,745 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $303,000 | 3,894 |
| Income before extraordinary items | $1,794,000 | 2,576 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,794,000 | 2,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,505 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,794,000 | 2,447 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,376,000 | 2,305 |
| Total interest expense | $1,702,000 | 2,707 |
| Net interest income | $4,674,000 | 2,096 |
| Provision for loan and lease losses | $49,000 | 5,190 |
| Total noninterest income | $1,069,000 | 2,249 |
| Gross Fiduciary activities income | $128,000 | 736 |
| Service charges on deposit accounts | $549,000 | 1,548 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $392,000 | 2,832 |
| Total noninterest expense | $4,396,000 | 1,803 |
| Salaries and employee benefits | $2,528,000 | 1,697 |
| Premises and equipment expense | $533,000 | 2,133 |
| Additional noninterest expense | $1,335,000 | 1,802 |
| Pre-tax net operating income | $1,298,000 | 2,914 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $153,000 | 4,463 |
| Income before extraordinary items | $1,145,000 | 2,684 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,145,000 | 2,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,145,000 | 2,530 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,209,000 | 2,302 |
| Total interest expense | $870,000 | 2,721 |
| Net interest income | $2,339,000 | 2,094 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $509,000 | 2,256 |
| Gross Fiduciary activities income | $61,000 | 763 |
| Service charges on deposit accounts | $267,000 | 1,544 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $181,000 | 2,891 |
| Total noninterest expense | $2,218,000 | 1,777 |
| Salaries and employee benefits | $1,273,000 | 1,677 |
| Premises and equipment expense | $263,000 | 2,152 |
| Additional noninterest expense | $682,000 | 1,731 |
| Pre-tax net operating income | $600,000 | 3,077 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $57,000 | 4,911 |
| Income before extraordinary items | $543,000 | 2,767 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $543,000 | 2,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $543,000 | 2,627 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,513,000 | 2,278 |
| Total interest expense | $3,916,000 | 2,804 |
| Net interest income | $9,597,000 | 2,018 |
| Provision for loan and lease losses | $174,000 | 4,664 |
| Total noninterest income | $2,207,000 | 1,970 |
| Gross Fiduciary activities income | $262,000 | 752 |
| Service charges on deposit accounts | $1,140,000 | 1,417 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $805,000 | 2,494 |
| Total noninterest expense | $8,731,000 | 1,735 |
| Salaries and employee benefits | $5,024,000 | 1,610 |
| Premises and equipment expense | $1,079,000 | 2,033 |
| Additional noninterest expense | $2,628,000 | 1,780 |
| Pre-tax net operating income | $2,899,000 | 2,572 |
| Securities gains (losses) | $-18,000 | 8,978 |
| Applicable income taxes | $412,000 | 3,828 |
| Income before extraordinary items | $2,469,000 | 2,380 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,469,000 | 2,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,113 |
| Cash dividends | $1,473,000 | 1,674 |
| Sale, conversion, retirement of capital stock, net | $266,000 | 549 |
| Net operating income | $2,484,480 | 2,288 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,926,000 | 2,295 |
| Total interest expense | $5,911,000 | 2,708 |
| Net interest income | $9,015,000 | 1,972 |
| Provision for loan and lease losses | $45,000 | 6,815 |
| Total noninterest income | $2,093,000 | 1,948 |
| Gross Fiduciary activities income | $272,000 | 752 |
| Service charges on deposit accounts | $1,218,000 | 1,227 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $603,000 | 2,821 |
| Total noninterest expense | $7,738,000 | 1,875 |
| Salaries and employee benefits | $4,541,000 | 1,654 |
| Premises and equipment expense | $960,000 | 2,229 |
| Additional noninterest expense | $2,237,000 | 2,013 |
| Pre-tax net operating income | $3,325,000 | 2,067 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $617,000 | 2,917 |
| Income before extraordinary items | $2,708,000 | 1,939 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,708,000 | 1,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,726 |
| Cash dividends | $1,463,000 | 1,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,708,000 | 1,864 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,241,000 | 2,300 |
| Total interest expense | $6,699,000 | 2,508 |
| Net interest income | $8,542,000 | 2,076 |
| Provision for loan and lease losses | $155,000 | 4,336 |
| Total noninterest income | $2,030,000 | 1,850 |
| Gross Fiduciary activities income | $277,000 | 735 |
| Service charges on deposit accounts | $1,248,000 | 1,087 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $505,000 | 2,929 |
| Total noninterest expense | $6,870,000 | 2,014 |
| Salaries and employee benefits | $4,126,000 | 1,741 |
| Premises and equipment expense | $746,000 | 2,731 |
| Additional noninterest expense | $1,998,000 | 2,159 |
| Pre-tax net operating income | $3,547,000 | 2,058 |
| Securities gains (losses) | $-54,000 | 9,228 |
| Applicable income taxes | $814,000 | 2,492 |
| Income before extraordinary items | $2,679,000 | 1,944 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,679,000 | 1,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 9,693 |
| Cash dividends | $1,416,000 | 1,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,720,580 | 1,915 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,947,000 | 2,339 |
| Total interest expense | $5,568,000 | 2,651 |
| Net interest income | $8,379,000 | 2,103 |
| Provision for loan and lease losses | $336,000 | 2,433 |
| Total noninterest income | $1,964,000 | 1,885 |
| Gross Fiduciary activities income | $286,000 | 782 |
| Service charges on deposit accounts | $1,101,000 | 1,205 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $577,000 | 2,698 |
| Total noninterest expense | $6,779,000 | 2,013 |
| Salaries and employee benefits | $4,066,000 | 1,701 |
| Premises and equipment expense | $748,000 | 2,714 |
| Additional noninterest expense | $1,965,000 | 2,225 |
| Pre-tax net operating income | $3,228,000 | 2,255 |
| Securities gains (losses) | $-43,000 | 9,756 |
| Applicable income taxes | $792,000 | 2,666 |
| Income before extraordinary items | $2,393,000 | 2,190 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,393,000 | 2,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,925 |
| Cash dividends | $1,368,000 | 1,805 |
| Sale, conversion, retirement of capital stock, net | $230,000 | 707 |
| Net operating income | $2,425,250 | 2,125 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,104,000 | 2,481 |
| Total interest expense | $5,485,000 | 2,754 |
| Net interest income | $7,619,000 | 2,245 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $1,558,000 | 2,208 |
| Gross Fiduciary activities income | $260,000 | 815 |
| Service charges on deposit accounts | $841,000 | 1,498 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $457,000 | 3,149 |
| Total noninterest expense | $6,278,000 | 2,093 |
| Salaries and employee benefits | $3,621,000 | 1,850 |
| Premises and equipment expense | $767,000 | 2,543 |
| Additional noninterest expense | $1,890,000 | 2,222 |
| Pre-tax net operating income | $2,719,000 | 2,591 |
| Securities gains (losses) | $16,000 | 2,616 |
| Applicable income taxes | $755,000 | 2,862 |
| Income before extraordinary items | $1,980,000 | 2,577 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,980,000 | 2,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,450 |
| Cash dividends | $1,360,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,968,480 | 2,516 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,988,000 | 2,732 |
| Total interest expense | $4,937,000 | 3,019 |
| Net interest income | $7,051,000 | 2,459 |
| Provision for loan and lease losses | $150,000 | 4,117 |
| Total noninterest income | $1,669,000 | 2,028 |
| Gross Fiduciary activities income | $236,000 | 863 |
| Service charges on deposit accounts | $863,000 | 1,497 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $570,000 | 2,585 |
| Total noninterest expense | $6,033,000 | 2,127 |
| Salaries and employee benefits | $3,251,000 | 2,021 |
| Premises and equipment expense | $766,000 | 2,518 |
| Additional noninterest expense | $2,016,000 | 2,073 |
| Pre-tax net operating income | $2,537,000 | 2,874 |
| Securities gains (losses) | $126,000 | 885 |
| Applicable income taxes | $742,000 | 3,102 |
| Income before extraordinary items | $1,921,000 | 2,675 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,921,000 | 2,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,073 |
| Cash dividends | $1,359,000 | 1,734 |
| Sale, conversion, retirement of capital stock, net | $190,000 | 685 |
| Net operating income | $1,830,280 | 2,741 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,495,000 | 2,878 |
| Total interest expense | $4,723,000 | 3,163 |
| Net interest income | $6,772,000 | 2,599 |
| Provision for loan and lease losses | $115,000 | 4,800 |
| Total noninterest income | $1,739,000 | 2,057 |
| Gross Fiduciary activities income | $228,000 | 935 |
| Service charges on deposit accounts | $742,000 | 1,827 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $769,000 | 2,160 |
| Total noninterest expense | $5,139,000 | 2,651 |
| Salaries and employee benefits | $3,130,000 | 2,127 |
| Premises and equipment expense | $586,000 | 3,281 |
| Additional noninterest expense | $1,423,000 | 3,266 |
| Pre-tax net operating income | $3,257,000 | 2,200 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $1,048,000 | 2,256 |
| Income before extraordinary items | $2,215,000 | 2,228 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,215,000 | 2,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 10,811 |
| Cash dividends | $1,351,000 | 1,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,210,920 | 2,179 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,915,000 | 3,034 |
| Total interest expense | $4,304,000 | 3,463 |
| Net interest income | $6,611,000 | 2,692 |
| Provision for loan and lease losses | $-100,000 | 11,704 |
| Total noninterest income | $1,482,000 | 2,303 |
| Gross Fiduciary activities income | $242,000 | 955 |
| Service charges on deposit accounts | $666,000 | 2,029 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $574,000 | 2,615 |
| Total noninterest expense | $4,755,000 | 2,842 |
| Salaries and employee benefits | $2,760,000 | 2,413 |
| Premises and equipment expense | $527,000 | 3,590 |
| Additional noninterest expense | $1,468,000 | 3,147 |
| Pre-tax net operating income | $3,438,000 | 2,135 |
| Securities gains (losses) | $-119,000 | 11,556 |
| Applicable income taxes | $985,000 | 2,416 |
| Income before extraordinary items | $2,334,000 | 2,171 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,334,000 | 2,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 11,542 |
| Cash dividends | $1,289,000 | 1,683 |
| Sale, conversion, retirement of capital stock, net | $-756,000 | 10,512 |
| Net operating income | $2,417,300 | 2,052 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,378,000 | 3,220 |
| Total interest expense | $3,369,000 | 3,563 |
| Net interest income | $6,009,000 | 2,989 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $1,350,000 | 2,496 |
| Gross Fiduciary activities income | $228,000 | 986 |
| Service charges on deposit accounts | $563,000 | 2,421 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $559,000 | 2,736 |
| Total noninterest expense | $4,109,000 | 3,341 |
| Salaries and employee benefits | $2,407,000 | 2,755 |
| Premises and equipment expense | $443,000 | 4,213 |
| Additional noninterest expense | $1,259,000 | 3,885 |
| Pre-tax net operating income | $3,230,000 | 2,193 |
| Securities gains (losses) | $-65,000 | 11,238 |
| Applicable income taxes | $776,000 | 2,844 |
| Income before extraordinary items | $2,389,000 | 2,047 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,389,000 | 2,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,539 |
| Cash dividends | $800,000 | 2,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,437,750 | 2,023 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,731,000 | 3,175 |
| Total interest expense | $3,410,000 | 3,685 |
| Net interest income | $6,321,000 | 2,873 |
| Provision for loan and lease losses | $-200,000 | 13,035 |
| Total noninterest income | $1,061,000 | 3,186 |
| Gross Fiduciary activities income | $213,000 | 1,048 |
| Service charges on deposit accounts | $565,000 | 2,441 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $283,000 | 4,630 |
| Total noninterest expense | $4,081,000 | 3,429 |
| Salaries and employee benefits | $2,259,000 | 2,916 |
| Premises and equipment expense | $404,000 | 4,673 |
| Additional noninterest expense | $1,418,000 | 3,672 |
| Pre-tax net operating income | $3,501,000 | 1,950 |
| Securities gains (losses) | $-250,000 | 13,227 |
| Applicable income taxes | $736,000 | 2,972 |
| Income before extraordinary items | $2,515,000 | 1,991 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,515,000 | 2,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 12,676 |
| Cash dividends | $800,000 | 2,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,707,500 | 1,737 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,917,000 | 3,213 |
| Total interest expense | $4,329,000 | 3,793 |
| Net interest income | $6,588,000 | 2,783 |
| Provision for loan and lease losses | $-330,000 | 13,872 |
| Total noninterest income | $1,007,000 | 3,300 |
| Gross Fiduciary activities income | $153,000 | 1,147 |
| Service charges on deposit accounts | $533,000 | 2,584 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $321,000 | 4,244 |
| Total noninterest expense | $4,664,000 | 3,059 |
| Salaries and employee benefits | $2,123,000 | 3,043 |
| Premises and equipment expense | $287,000 | 6,169 |
| Additional noninterest expense | $2,254,000 | 2,544 |
| Pre-tax net operating income | $3,261,000 | 1,905 |
| Securities gains (losses) | $-246,000 | 13,854 |
| Applicable income taxes | $570,000 | 3,577 |
| Income before extraordinary items | $2,445,000 | 1,857 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,445,000 | 1,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $25,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,644,260 | 1,595 |
* 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.