Home > Associates Capital Bank, Inc. > Income and Expense
Associates Capital Bank, Inc., Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $25,755,000 | 608 |
| Total interest expense | $3,330,000 | 1,513 |
| Net interest income | $22,425,000 | 479 |
| Provision for loan and lease losses | $5,684,000 | 114 |
| Total noninterest income | $9,075,000 | 424 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $9,075,000 | 298 |
| Total noninterest expense | $4,107,000 | 2,008 |
| Salaries and employee benefits | $257,000 | 7,854 |
| Premises and equipment expense | $2,000 | 8,819 |
| Additional noninterest expense | $3,848,000 | 688 |
| Pre-tax net operating income | $21,709,000 | 311 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $7,637,000 | 296 |
| Income before extraordinary items | $14,072,000 | 320 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $14,072,000 | 320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,684,000 | 116 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $14,072,000 | 315 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,907,000 | 589 |
| Total interest expense | $1,524,000 | 1,565 |
| Net interest income | $11,383,000 | 473 |
| Provision for loan and lease losses | $2,786,000 | 117 |
| Total noninterest income | $4,535,000 | 411 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,535,000 | 299 |
| Total noninterest expense | $2,065,000 | 2,006 |
| Salaries and employee benefits | $80,000 | 8,506 |
| Premises and equipment expense | $0 | 8,891 |
| Additional noninterest expense | $1,985,000 | 655 |
| Pre-tax net operating income | $11,067,000 | 296 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,876,000 | 292 |
| Income before extraordinary items | $7,191,000 | 308 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $7,191,000 | 308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,786,000 | 123 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $7,191,000 | 300 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $48,467,000 | 594 |
| Total interest expense | $3,156,000 | 2,514 |
| Net interest income | $45,311,000 | 460 |
| Provision for loan and lease losses | $11,861,000 | 133 |
| Total noninterest income | $14,579,000 | 473 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $0 | 7,912 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $14,579,000 | 330 |
| Total noninterest expense | $8,222,000 | 1,952 |
| Salaries and employee benefits | $366,000 | 8,406 |
| Premises and equipment expense | $4,000 | 8,936 |
| Additional noninterest expense | $7,852,000 | 667 |
| Pre-tax net operating income | $39,807,000 | 313 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $14,099,000 | 296 |
| Income before extraordinary items | $25,708,000 | 331 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $25,708,000 | 330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,861,000 | 135 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $25,708,000 | 318 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $36,347,000 | 591 |
| Total interest expense | $1,992,000 | 2,853 |
| Net interest income | $34,355,000 | 454 |
| Provision for loan and lease losses | $9,030,000 | 134 |
| Total noninterest income | $10,064,000 | 500 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,064,000 | 347 |
| Total noninterest expense | $6,243,000 | 1,921 |
| Salaries and employee benefits | $267,000 | 8,441 |
| Premises and equipment expense | $3,000 | 8,982 |
| Additional noninterest expense | $5,973,000 | 653 |
| Pre-tax net operating income | $29,146,000 | 314 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $10,325,000 | 303 |
| Income before extraordinary items | $18,821,000 | 334 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $18,821,000 | 333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,030,000 | 140 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $18,821,000 | 323 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $25,006,000 | 565 |
| Total interest expense | $1,178,000 | 3,129 |
| Net interest income | $23,828,000 | 435 |
| Provision for loan and lease losses | $6,428,000 | 133 |
| Total noninterest income | $5,949,000 | 550 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,949,000 | 370 |
| Total noninterest expense | $4,218,000 | 1,892 |
| Salaries and employee benefits | $176,000 | 8,509 |
| Premises and equipment expense | $2,000 | 9,039 |
| Additional noninterest expense | $4,040,000 | 648 |
| Pre-tax net operating income | $19,131,000 | 306 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,778,000 | 306 |
| Income before extraordinary items | $12,353,000 | 325 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,353,000 | 325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,428,000 | 138 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $12,353,000 | 311 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $12,765,000 | 557 |
| Total interest expense | $605,000 | 3,097 |
| Net interest income | $12,160,000 | 429 |
| Provision for loan and lease losses | $3,683,000 | 131 |
| Total noninterest income | $2,955,000 | 551 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,955,000 | 364 |
| Total noninterest expense | $2,187,000 | 1,834 |
| Salaries and employee benefits | $217,000 | 6,761 |
| Premises and equipment expense | $2,000 | 9,056 |
| Additional noninterest expense | $1,968,000 | 653 |
| Pre-tax net operating income | $9,245,000 | 315 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $3,277,000 | 312 |
| Income before extraordinary items | $5,968,000 | 339 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $5,968,000 | 340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,683,000 | 132 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $5,968,000 | 318 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $38,797,000 | 726 |
| Total interest expense | $2,502,000 | 3,332 |
| Net interest income | $36,295,000 | 536 |
| Provision for loan and lease losses | $14,102,000 | 156 |
| Total noninterest income | $10,336,000 | 631 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $0 | 8,063 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $10,336,000 | 433 |
| Total noninterest expense | $6,415,000 | 2,449 |
| Salaries and employee benefits | $362,000 | 8,550 |
| Premises and equipment expense | $2,000 | 9,143 |
| Additional noninterest expense | $6,051,000 | 845 |
| Pre-tax net operating income | $26,114,000 | 391 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $9,298,000 | 387 |
| Income before extraordinary items | $16,816,000 | 432 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $16,816,000 | 433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,102,000 | 157 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $16,816,000 | 412 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $27,736,000 | 785 |
| Total interest expense | $1,882,000 | 3,445 |
| Net interest income | $25,854,000 | 568 |
| Provision for loan and lease losses | $11,005,000 | 166 |
| Total noninterest income | $7,715,000 | 665 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $0 | 8,111 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,715,000 | 459 |
| Total noninterest expense | $4,446,000 | 2,635 |
| Salaries and employee benefits | $283,000 | 8,495 |
| Premises and equipment expense | $1,000 | 9,197 |
| Additional noninterest expense | $4,162,000 | 928 |
| Pre-tax net operating income | $18,118,000 | 420 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $6,449,000 | 417 |
| Income before extraordinary items | $11,669,000 | 484 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $11,669,000 | 484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,005,000 | 161 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $11,669,000 | 445 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $18,835,000 | 778 |
| Total interest expense | $1,274,000 | 3,495 |
| Net interest income | $17,561,000 | 561 |
| Provision for loan and lease losses | $7,953,000 | 156 |
| Total noninterest income | $5,333,000 | 643 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $0 | 8,133 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,333,000 | 451 |
| Total noninterest expense | $2,920,000 | 2,669 |
| Salaries and employee benefits | $186,000 | 8,550 |
| Premises and equipment expense | $0 | 9,227 |
| Additional noninterest expense | $2,734,000 | 926 |
| Pre-tax net operating income | $12,021,000 | 426 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $4,280,000 | 427 |
| Income before extraordinary items | $7,741,000 | 487 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,741,000 | 487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,953,000 | 154 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $7,741,000 | 449 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $9,365,000 | 791 |
| Total interest expense | $672,000 | 3,423 |
| Net interest income | $8,693,000 | 565 |
| Provision for loan and lease losses | $4,494,000 | 150 |
| Total noninterest income | $2,794,000 | 622 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,794,000 | 437 |
| Total noninterest expense | $1,412,000 | 2,733 |
| Salaries and employee benefits | $75,000 | 8,854 |
| Premises and equipment expense | $0 | 9,263 |
| Additional noninterest expense | $1,337,000 | 927 |
| Pre-tax net operating income | $5,581,000 | 447 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,954,000 | 464 |
| Income before extraordinary items | $3,627,000 | 498 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,627,000 | 496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,494,000 | 155 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,627,000 | 465 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,112,000 | 918 |
| Total interest expense | $3,159,000 | 3,400 |
| Net interest income | $29,953,000 | 637 |
| Provision for loan and lease losses | $12,910,000 | 211 |
| Total noninterest income | $11,363,000 | 580 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $72,000 | 7,089 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,291,000 | 408 |
| Total noninterest expense | $6,026,000 | 2,447 |
| Salaries and employee benefits | $386,000 | 8,559 |
| Premises and equipment expense | $0 | 9,317 |
| Additional noninterest expense | $5,640,000 | 889 |
| Pre-tax net operating income | $22,380,000 | 428 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $8,079,000 | 419 |
| Income before extraordinary items | $14,301,000 | 478 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $14,301,000 | 480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,934,000 | 186 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $14,301,000 | 454 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,694,000 | 3,406 |
| Total interest expense | $588,000 | 8,851 |
| Net interest income | $9,106,000 | 1,957 |
| Provision for loan and lease losses | $1,970,000 | 721 |
| Total noninterest income | $4,298,000 | 1,126 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,298,000 | 730 |
| Total noninterest expense | $2,775,000 | 4,605 |
| Salaries and employee benefits | $667,000 | 7,344 |
| Premises and equipment expense | $75,000 | 8,708 |
| Additional noninterest expense | $2,033,000 | 2,209 |
| Pre-tax net operating income | $8,659,000 | 872 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,311,000 | 771 |
| Income before extraordinary items | $5,348,000 | 1,027 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,348,000 | 1,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,161,000 | 544 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,348,000 | 985 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,746,000 | 3,474 |
| Total interest expense | $1,063,000 | 8,099 |
| Net interest income | $8,683,000 | 2,042 |
| Provision for loan and lease losses | $4,410,000 | 349 |
| Total noninterest income | $2,891,000 | 1,399 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $0 | 8,617 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,891,000 | 879 |
| Total noninterest expense | $2,452,000 | 4,928 |
| Salaries and employee benefits | $187,000 | 9,661 |
| Premises and equipment expense | $96,000 | 8,515 |
| Additional noninterest expense | $2,169,000 | 2,002 |
| Pre-tax net operating income | $4,712,000 | 1,565 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,802,000 | 1,283 |
| Income before extraordinary items | $2,910,000 | 1,789 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,910,000 | 1,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,269,000 | 356 |
| Cash dividends | $15,000,000 | 288 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,910,000 | 1,791 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,137,000 | 3,849 |
| Total interest expense | $796,000 | 8,690 |
| Net interest income | $7,341,000 | 2,403 |
| Provision for loan and lease losses | $25,000 | 7,415 |
| Total noninterest income | $2,242,000 | 1,712 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $0 | 8,885 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,242,000 | 1,061 |
| Total noninterest expense | $1,766,000 | 6,146 |
| Salaries and employee benefits | $148,000 | 10,046 |
| Premises and equipment expense | $35,000 | 9,905 |
| Additional noninterest expense | $1,583,000 | 2,739 |
| Pre-tax net operating income | $7,792,000 | 1,009 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,980,000 | 888 |
| Income before extraordinary items | $4,812,000 | 1,141 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,812,000 | 1,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,077,000 | 444 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,812,000 | 1,120 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,233,000 | 3,162 |
| Total interest expense | $858,000 | 8,792 |
| Net interest income | $9,375,000 | 1,826 |
| Provision for loan and lease losses | $2,527,000 | 497 |
| Total noninterest income | $1,171,000 | 2,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,171,000 | 1,656 |
| Total noninterest expense | $2,474,000 | 4,810 |
| Salaries and employee benefits | $159,000 | 10,248 |
| Premises and equipment expense | $31,000 | 10,161 |
| Additional noninterest expense | $2,284,000 | 1,851 |
| Pre-tax net operating income | $5,545,000 | 1,355 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,121,000 | 1,192 |
| Income before extraordinary items | $3,424,000 | 1,542 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,424,000 | 1,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,235,000 | 312 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,424,000 | 1,484 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,979,000 | 2,531 |
| Total interest expense | $1,764,000 | 6,751 |
| Net interest income | $11,215,000 | 1,537 |
| Provision for loan and lease losses | $5,116,000 | 321 |
| Total noninterest income | $1,310,000 | 2,444 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,310,000 | 1,457 |
| Total noninterest expense | $3,309,000 | 3,790 |
| Salaries and employee benefits | $167,000 | 10,667 |
| Premises and equipment expense | $43,000 | 10,363 |
| Additional noninterest expense | $3,099,000 | 1,405 |
| Pre-tax net operating income | $4,100,000 | 1,849 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,568,000 | 1,649 |
| Income before extraordinary items | $2,532,000 | 2,085 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,532,000 | 2,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,683,000 | 292 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,532,000 | 2,035 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,497,000 | 4,283 |
| Total interest expense | $857,000 | 9,462 |
| Net interest income | $6,640,000 | 2,661 |
| Provision for loan and lease losses | $2,439,000 | 532 |
| Total noninterest income | $688,000 | 4,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,915 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $688,000 | 2,325 |
| Total noninterest expense | $2,204,000 | 5,535 |
| Salaries and employee benefits | $207,000 | 10,978 |
| Premises and equipment expense | $84,000 | 9,709 |
| Additional noninterest expense | $1,913,000 | 2,562 |
| Pre-tax net operating income | $2,685,000 | 2,607 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,038,000 | 2,278 |
| Income before extraordinary items | $1,647,000 | 2,930 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,647,000 | 2,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,629,000 | 651 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,647,000 | 2,893 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 6,988 |
| Total interest expense | $204,000 | 11,750 |
| Net interest income | $3,808,000 | 4,498 |
| Provision for loan and lease losses | $1,139,000 | 862 |
| Total noninterest income | $11,000 | 11,861 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 11,437 |
| Total noninterest expense | $934,000 | 9,242 |
| Salaries and employee benefits | $270,000 | 11,007 |
| Premises and equipment expense | $73,000 | 10,394 |
| Additional noninterest expense | $591,000 | 6,588 |
| Pre-tax net operating income | $1,746,000 | 3,941 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $668,000 | 3,373 |
| Income before extraordinary items | $1,078,000 | 4,320 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,078,000 | 4,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $712,000 | 1,102 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,078,000 | 4,310 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,003,000 | 8,034 |
| Total interest expense | $94,000 | 12,513 |
| Net interest income | $2,909,000 | 5,731 |
| Provision for loan and lease losses | $460,000 | 1,641 |
| Total noninterest income | $32,000 | 12,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,653 |
| Total noninterest expense | $842,000 | 10,040 |
| Salaries and employee benefits | $222,000 | 11,908 |
| Premises and equipment expense | $56,000 | 11,432 |
| Additional noninterest expense | $564,000 | 7,304 |
| Pre-tax net operating income | $1,639,000 | 4,084 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $627,000 | 3,379 |
| Income before extraordinary items | $1,012,000 | 4,496 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,012,000 | 4,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 1,707 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,012,000 | 4,540 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,963,000 | 10,258 |
| Total interest expense | $101,000 | 13,169 |
| Net interest income | $1,862,000 | 8,068 |
| Provision for loan and lease losses | $457,000 | 2,235 |
| Total noninterest income | $40,000 | 12,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,664 |
| Total noninterest expense | $487,000 | 12,235 |
| Salaries and employee benefits | $167,000 | 12,874 |
| Premises and equipment expense | $24,000 | 13,001 |
| Additional noninterest expense | $296,000 | 10,511 |
| Pre-tax net operating income | $958,000 | 6,074 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $367,000 | 5,324 |
| Income before extraordinary items | $591,000 | 6,858 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $591,000 | 7,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,895 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 885 |
| Net operating income | $591,000 | 6,606 |
* 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.