Home > Bank of Amador > Income and Expense
Bank of Amador, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,157,000 | 3,839 |
| Total interest expense | $1,005,000 | 4,777 |
| Net interest income | $4,152,000 | 3,490 |
| Provision for loan and lease losses | $50,000 | 5,368 |
| Total noninterest income | $470,000 | 4,705 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $172,000 | 4,967 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $298,000 | 3,733 |
| Total noninterest expense | $2,234,000 | 4,651 |
| Salaries and employee benefits | $851,000 | 5,824 |
| Premises and equipment expense | $300,000 | 4,749 |
| Additional noninterest expense | $1,083,000 | 3,193 |
| Pre-tax net operating income | $2,338,000 | 2,538 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $858,000 | 2,004 |
| Income before extraordinary items | $1,480,000 | 2,985 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,480,000 | 2,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $1,077,000 | 1,623 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 470 |
| Net operating income | $1,480,000 | 2,905 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,346,000 | 3,918 |
| Total interest expense | $662,000 | 4,830 |
| Net interest income | $2,684,000 | 3,569 |
| Provision for loan and lease losses | $35,000 | 5,187 |
| Total noninterest income | $314,000 | 4,715 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $113,000 | 4,994 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $201,000 | 3,722 |
| Total noninterest expense | $1,424,000 | 4,813 |
| Salaries and employee benefits | $572,000 | 5,832 |
| Premises and equipment expense | $199,000 | 4,771 |
| Additional noninterest expense | $653,000 | 3,490 |
| Pre-tax net operating income | $1,539,000 | 2,534 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $565,000 | 2,025 |
| Income before extraordinary items | $974,000 | 2,999 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $974,000 | 2,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $717,000 | 1,664 |
| Sale, conversion, retirement of capital stock, net | $149,000 | 373 |
| Net operating income | $974,000 | 2,917 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,664,000 | 3,933 |
| Total interest expense | $325,000 | 4,928 |
| Net interest income | $1,339,000 | 3,570 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $134,000 | 5,061 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $54,000 | 5,021 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $80,000 | 4,184 |
| Total noninterest expense | $712,000 | 4,860 |
| Salaries and employee benefits | $346,000 | 5,227 |
| Premises and equipment expense | $101,000 | 4,760 |
| Additional noninterest expense | $265,000 | 4,125 |
| Pre-tax net operating income | $741,000 | 2,589 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $269,000 | 2,088 |
| Income before extraordinary items | $472,000 | 3,074 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $472,000 | 3,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $357,000 | 1,539 |
| Sale, conversion, retirement of capital stock, net | $-75,000 | 9,088 |
| Net operating income | $472,000 | 2,962 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,629,000 | 3,989 |
| Total interest expense | $1,214,000 | 5,527 |
| Net interest income | $5,415,000 | 3,475 |
| Provision for loan and lease losses | $104,000 | 5,259 |
| Total noninterest income | $522,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $222,000 | 5,034 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $300,000 | 4,509 |
| Total noninterest expense | $2,574,000 | 5,117 |
| Salaries and employee benefits | $1,224,000 | 5,573 |
| Premises and equipment expense | $387,000 | 4,837 |
| Additional noninterest expense | $963,000 | 4,397 |
| Pre-tax net operating income | $3,259,000 | 2,337 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,195,000 | 1,943 |
| Income before extraordinary items | $2,064,000 | 2,794 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,064,000 | 2,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $1,337,000 | 1,903 |
| Sale, conversion, retirement of capital stock, net | $635,000 | 461 |
| Net operating income | $2,064,000 | 2,664 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,965,000 | 4,049 |
| Total interest expense | $899,000 | 5,722 |
| Net interest income | $4,066,000 | 3,479 |
| Provision for loan and lease losses | $84,000 | 5,069 |
| Total noninterest income | $373,000 | 5,488 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $160,000 | 5,152 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $213,000 | 4,667 |
| Total noninterest expense | $1,859,000 | 5,224 |
| Salaries and employee benefits | $879,000 | 5,684 |
| Premises and equipment expense | $289,000 | 4,843 |
| Additional noninterest expense | $691,000 | 4,510 |
| Pre-tax net operating income | $2,496,000 | 2,390 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $917,000 | 1,988 |
| Income before extraordinary items | $1,579,000 | 2,855 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,579,000 | 2,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $993,000 | 1,770 |
| Sale, conversion, retirement of capital stock, net | $336,000 | 397 |
| Net operating income | $1,579,000 | 2,714 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,251,000 | 4,144 |
| Total interest expense | $588,000 | 5,912 |
| Net interest income | $2,663,000 | 3,523 |
| Provision for loan and lease losses | $54,000 | 5,044 |
| Total noninterest income | $245,000 | 5,519 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $100,000 | 5,280 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $145,000 | 4,632 |
| Total noninterest expense | $1,226,000 | 5,258 |
| Salaries and employee benefits | $615,000 | 5,534 |
| Premises and equipment expense | $184,000 | 4,966 |
| Additional noninterest expense | $427,000 | 4,778 |
| Pre-tax net operating income | $1,628,000 | 2,432 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $595,000 | 2,056 |
| Income before extraordinary items | $1,033,000 | 2,901 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,033,000 | 2,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $661,000 | 1,778 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 359 |
| Net operating income | $1,033,000 | 2,743 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,577,000 | 4,276 |
| Total interest expense | $283,000 | 6,127 |
| Net interest income | $1,294,000 | 3,597 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $140,000 | 5,063 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 5,391 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $94,000 | 4,045 |
| Total noninterest expense | $573,000 | 5,497 |
| Salaries and employee benefits | $292,000 | 5,706 |
| Premises and equipment expense | $88,000 | 5,119 |
| Additional noninterest expense | $193,000 | 5,097 |
| Pre-tax net operating income | $831,000 | 2,398 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $306,000 | 2,023 |
| Income before extraordinary items | $525,000 | 2,846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $525,000 | 2,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $330,000 | 1,663 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 307 |
| Net operating income | $525,000 | 2,701 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,153,000 | 4,481 |
| Total interest expense | $1,269,000 | 6,259 |
| Net interest income | $4,884,000 | 3,736 |
| Provision for loan and lease losses | $102,000 | 5,666 |
| Total noninterest income | $354,000 | 6,071 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $199,000 | 5,206 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $155,000 | 5,526 |
| Total noninterest expense | $2,339,000 | 5,315 |
| Salaries and employee benefits | $1,246,000 | 5,356 |
| Premises and equipment expense | $358,000 | 5,020 |
| Additional noninterest expense | $735,000 | 5,237 |
| Pre-tax net operating income | $2,797,000 | 2,637 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,000,000 | 2,207 |
| Income before extraordinary items | $1,797,000 | 3,044 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,797,000 | 3,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,779 |
| Cash dividends | $1,246,000 | 1,892 |
| Sale, conversion, retirement of capital stock, net | $459,000 | 484 |
| Net operating income | $1,797,000 | 2,948 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,159,000 | 4,353 |
| Total interest expense | $2,651,000 | 5,186 |
| Net interest income | $4,508,000 | 3,761 |
| Provision for loan and lease losses | $65,000 | 6,279 |
| Total noninterest income | $304,000 | 6,391 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $201,000 | 5,155 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $103,000 | 6,375 |
| Total noninterest expense | $2,505,000 | 4,938 |
| Salaries and employee benefits | $1,418,000 | 4,711 |
| Premises and equipment expense | $344,000 | 5,086 |
| Additional noninterest expense | $743,000 | 5,047 |
| Pre-tax net operating income | $2,242,000 | 2,911 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $806,000 | 2,413 |
| Income before extraordinary items | $1,436,000 | 3,329 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,436,000 | 3,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 2,842 |
| Cash dividends | $1,215,000 | 1,949 |
| Sale, conversion, retirement of capital stock, net | $-317,000 | 9,538 |
| Net operating income | $1,436,000 | 3,232 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,361,000 | 4,402 |
| Total interest expense | $2,359,000 | 5,758 |
| Net interest income | $5,002,000 | 3,466 |
| Provision for loan and lease losses | $150,000 | 4,393 |
| Total noninterest income | $334,000 | 6,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 4,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,051 |
| Total noninterest expense | $2,386,000 | 5,022 |
| Salaries and employee benefits | $1,320,000 | 4,849 |
| Premises and equipment expense | $349,000 | 4,941 |
| Additional noninterest expense | $717,000 | 5,088 |
| Pre-tax net operating income | $2,800,000 | 2,527 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,045,000 | 2,046 |
| Income before extraordinary items | $1,755,000 | 2,857 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,755,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,080 |
| Cash dividends | $1,172,000 | 2,038 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 934 |
| Net operating income | $1,755,000 | 2,855 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,752,000 | 4,530 |
| Total interest expense | $2,151,000 | 5,733 |
| Net interest income | $4,601,000 | 3,717 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $371,000 | 5,830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 4,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,714 |
| Total noninterest expense | $2,295,000 | 5,171 |
| Salaries and employee benefits | $1,190,000 | 5,194 |
| Premises and equipment expense | $394,000 | 4,590 |
| Additional noninterest expense | $711,000 | 5,192 |
| Pre-tax net operating income | $2,557,000 | 2,742 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $930,000 | 2,329 |
| Income before extraordinary items | $1,627,000 | 3,049 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,627,000 | 3,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $973,000 | 2,345 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 796 |
| Net operating income | $1,627,000 | 3,010 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,526,000 | 4,661 |
| Total interest expense | $2,307,000 | 5,649 |
| Net interest income | $4,219,000 | 3,952 |
| Provision for loan and lease losses | $72,000 | 5,801 |
| Total noninterest income | $536,000 | 4,737 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 4,640 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $297,000 | 4,052 |
| Total noninterest expense | $2,371,000 | 4,949 |
| Salaries and employee benefits | $1,289,000 | 4,796 |
| Premises and equipment expense | $395,000 | 4,465 |
| Additional noninterest expense | $687,000 | 5,240 |
| Pre-tax net operating income | $2,312,000 | 2,975 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $841,000 | 2,618 |
| Income before extraordinary items | $1,471,000 | 3,314 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,471,000 | 3,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,269 |
| Cash dividends | $759,000 | 2,697 |
| Sale, conversion, retirement of capital stock, net | $447,000 | 581 |
| Net operating income | $1,471,000 | 3,229 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,481,000 | 4,791 |
| Total interest expense | $2,174,000 | 5,930 |
| Net interest income | $4,307,000 | 3,962 |
| Provision for loan and lease losses | $87,000 | 5,506 |
| Total noninterest income | $404,000 | 5,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $257,000 | 4,566 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 5,750 |
| Total noninterest expense | $2,318,000 | 5,075 |
| Salaries and employee benefits | $1,294,000 | 4,800 |
| Premises and equipment expense | $361,000 | 4,786 |
| Additional noninterest expense | $663,000 | 5,444 |
| Pre-tax net operating income | $2,306,000 | 3,119 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $869,000 | 2,739 |
| Income before extraordinary items | $1,437,000 | 3,478 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,437,000 | 3,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,419 |
| Cash dividends | $669,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $290,000 | 617 |
| Net operating income | $1,437,000 | 3,401 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,312,000 | 4,993 |
| Total interest expense | $2,215,000 | 6,020 |
| Net interest income | $4,097,000 | 4,232 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $441,000 | 5,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,465 |
| Total noninterest expense | $2,324,000 | 5,297 |
| Salaries and employee benefits | $1,280,000 | 4,907 |
| Premises and equipment expense | $380,000 | 4,718 |
| Additional noninterest expense | $664,000 | 5,947 |
| Pre-tax net operating income | $2,118,000 | 3,257 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $824,000 | 2,774 |
| Income before extraordinary items | $1,294,000 | 3,642 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,294,000 | 3,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $576,000 | 3,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,294,000 | 3,580 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,446,000 | 5,623 |
| Total interest expense | $1,552,000 | 7,555 |
| Net interest income | $3,894,000 | 4,414 |
| Provision for loan and lease losses | $138,000 | 3,809 |
| Total noninterest income | $353,000 | 6,447 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,827 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 7,393 |
| Total noninterest expense | $2,268,000 | 5,421 |
| Salaries and employee benefits | $1,202,000 | 5,208 |
| Premises and equipment expense | $422,000 | 4,329 |
| Additional noninterest expense | $644,000 | 6,236 |
| Pre-tax net operating income | $1,841,000 | 3,765 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $705,000 | 3,215 |
| Income before extraordinary items | $1,136,000 | 4,131 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,136,000 | 4,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,662 |
| Cash dividends | $464,000 | 3,521 |
| Sale, conversion, retirement of capital stock, net | $103,000 | 557 |
| Net operating income | $1,136,000 | 4,113 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,759,000 | 5,889 |
| Total interest expense | $1,279,000 | 7,622 |
| Net interest income | $3,480,000 | 4,964 |
| Provision for loan and lease losses | $103,000 | 4,489 |
| Total noninterest income | $319,000 | 7,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $240,000 | 5,195 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $2,224,000 | 5,686 |
| Salaries and employee benefits | $1,147,000 | 5,463 |
| Premises and equipment expense | $383,000 | 4,757 |
| Additional noninterest expense | $694,000 | 6,367 |
| Pre-tax net operating income | $1,472,000 | 4,481 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $544,000 | 3,804 |
| Income before extraordinary items | $925,000 | 4,792 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $925,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,047 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $926,920 | 4,842 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,513,000 | 6,302 |
| Total interest expense | $1,476,000 | 7,293 |
| Net interest income | $3,037,000 | 5,603 |
| Provision for loan and lease losses | $47,000 | 7,653 |
| Total noninterest income | $468,000 | 5,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,954 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,546 |
| Total noninterest expense | $2,171,000 | 5,928 |
| Salaries and employee benefits | $1,076,000 | 5,758 |
| Premises and equipment expense | $349,000 | 5,250 |
| Additional noninterest expense | $746,000 | 6,266 |
| Pre-tax net operating income | $1,287,000 | 4,900 |
| Securities gains (losses) | $12,000 | 5,266 |
| Applicable income taxes | $466,000 | 4,448 |
| Income before extraordinary items | $833,000 | 5,398 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $833,000 | 5,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 7,294 |
| Cash dividends | $284,000 | 4,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $825,320 | 5,191 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,485,000 | 6,920 |
| Total interest expense | $1,772,000 | 7,700 |
| Net interest income | $2,713,000 | 6,194 |
| Provision for loan and lease losses | $58,000 | 8,742 |
| Total noninterest income | $538,000 | 5,347 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $274,000 | 4,771 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,795 |
| Total noninterest expense | $2,026,000 | 6,313 |
| Salaries and employee benefits | $1,036,000 | 5,839 |
| Premises and equipment expense | $299,000 | 5,991 |
| Additional noninterest expense | $691,000 | 6,815 |
| Pre-tax net operating income | $1,167,000 | 5,033 |
| Securities gains (losses) | $-16,000 | 13,420 |
| Applicable income taxes | $434,000 | 4,508 |
| Income before extraordinary items | $717,000 | 5,816 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $717,000 | 5,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 12,396 |
| Cash dividends | $191,000 | 5,221 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 812 |
| Net operating income | $727,240 | 5,424 |
* 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.