Home > Bardwell Deposit Bank > Income and Expense

Bardwell Deposit Bank, Income and Expense

2006-09-30 (YTD Data)		Rank
Total interest income	$2,167,000	6,899
Total interest expense	$893,000	6,581
Net interest income	$1,274,000	7,012
Provision for loan and lease losses	$0	6,685
Total noninterest income	$151,000	6,947
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$112,000	5,593
Trading account gains and fees	$0	126
Additional Noninterest Income	$39,000	7,234
Total noninterest expense	$1,163,000	6,806
Salaries and employee benefits	$609,000	6,906
Premises and equipment expense	$146,000	6,809
Additional noninterest expense	$408,000	6,336
Pre-tax net operating income	$262,000	7,175
Securities gains (losses)	$0	1,388
Applicable income taxes	$65,000	5,264
Income before extraordinary items	$197,000	7,236
Extraordinary gains, net	$0	45
Net income	$197,000	7,240
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,745
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$197,000	7,234
2006-06-30 (YTD Data)		Rank
Total interest income	$1,474,000	6,852
Total interest expense	$589,000	6,523
Net interest income	$885,000	6,959
Provision for loan and lease losses	$0	6,419
Total noninterest income	$91,000	7,133
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$73,000	5,645
Trading account gains and fees	$0	126
Additional Noninterest Income	$18,000	7,655
Total noninterest expense	$738,000	6,974
Salaries and employee benefits	$420,000	6,861
Premises and equipment expense	$72,000	7,368
Additional noninterest expense	$246,000	6,602
Pre-tax net operating income	$238,000	6,834
Securities gains (losses)	$0	1,185
Applicable income taxes	$52,000	5,200
Income before extraordinary items	$186,000	6,856
Extraordinary gains, net	$0	39
Net income	$186,000	6,859
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	2,960
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$186,000	6,865
2006-03-31 (YTD Data)		Rank
Total interest income	$730,000	6,851
Total interest expense	$291,000	6,440
Net interest income	$439,000	6,997
Provision for loan and lease losses	$0	6,013
Total noninterest income	$41,000	7,270
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$31,000	5,867
Trading account gains and fees	$0	115
Additional Noninterest Income	$10,000	7,545
Total noninterest expense	$362,000	7,028
Salaries and employee benefits	$211,000	6,859
Premises and equipment expense	$34,000	7,467
Additional noninterest expense	$117,000	6,694
Pre-tax net operating income	$118,000	6,823
Securities gains (losses)	$0	955
Applicable income taxes	$30,000	5,017
Income before extraordinary items	$88,000	6,922
Extraordinary gains, net	$0	21
Net income	$88,000	6,923
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,481
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$88,000	6,921
2005-12-31 (YTD Data)		Rank
Total interest income	$2,914,000	6,663
Total interest expense	$1,025,000	6,228
Net interest income	$1,889,000	6,781
Provision for loan and lease losses	$0	7,120
Total noninterest income	$203,000	7,043
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$148,000	5,645
Trading account gains and fees	$0	138
Additional Noninterest Income	$55,000	7,265
Total noninterest expense	$1,494,000	6,899
Salaries and employee benefits	$885,000	6,687
Premises and equipment expense	$118,000	7,660
Additional noninterest expense	$491,000	6,644
Pre-tax net operating income	$598,000	6,427
Securities gains (losses)	$0	2,296
Applicable income taxes	$157,000	4,948
Income before extraordinary items	$441,000	6,606
Extraordinary gains, net	$0	46
Net income	$441,000	6,607
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-199,000	8,730
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$441,000	6,580
2005-09-30 (YTD Data)		Rank
Total interest income	$2,170,000	6,672
Total interest expense	$775,000	6,096
Net interest income	$1,395,000	6,851
Provision for loan and lease losses	$0	6,899
Total noninterest income	$151,000	7,078
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$110,000	5,682
Trading account gains and fees	$0	126
Additional Noninterest Income	$41,000	7,302
Total noninterest expense	$1,079,000	6,984
Salaries and employee benefits	$619,000	6,840
Premises and equipment expense	$99,000	7,491
Additional noninterest expense	$361,000	6,657
Pre-tax net operating income	$467,000	6,516
Securities gains (losses)	$0	2,317
Applicable income taxes	$5,000	6,684
Income before extraordinary items	$462,000	6,067
Extraordinary gains, net	$0	35
Net income	$462,000	6,072
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-191,000	8,741
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$462,000	6,034
2005-06-30 (YTD Data)		Rank
Total interest income	$1,467,000	6,617
Total interest expense	$527,000	5,900
Net interest income	$940,000	6,816
Provision for loan and lease losses	$0	6,626
Total noninterest income	$95,000	7,146
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$76,000	5,593
Trading account gains and fees	$0	116
Additional Noninterest Income	$19,000	7,696
Total noninterest expense	$740,000	6,932
Salaries and employee benefits	$429,000	6,756
Premises and equipment expense	$84,000	7,053
Additional noninterest expense	$227,000	6,802
Pre-tax net operating income	$295,000	6,609
Securities gains (losses)	$0	2,146
Applicable income taxes	$-1,000	8,563
Income before extraordinary items	$296,000	6,152
Extraordinary gains, net	$0	30
Net income	$296,000	6,154
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-211,000	8,770
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$296,000	6,104
2005-03-31 (YTD Data)		Rank
Total interest income	$735,000	6,625
Total interest expense	$266,000	5,801
Net interest income	$469,000	6,872
Provision for loan and lease losses	$0	6,226
Total noninterest income	$47,000	7,174
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$34,000	5,761
Trading account gains and fees	$0	115
Additional Noninterest Income	$13,000	7,447
Total noninterest expense	$364,000	7,017
Salaries and employee benefits	$217,000	6,786
Premises and equipment expense	$40,000	7,221
Additional noninterest expense	$107,000	6,972
Pre-tax net operating income	$152,000	6,532
Securities gains (losses)	$0	1,685
Applicable income taxes	$-2,000	8,643
Income before extraordinary items	$154,000	6,039
Extraordinary gains, net	$0	24
Net income	$154,000	6,040
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-235,000	8,880
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$154,000	6,005
2004-12-31 (YTD Data)		Rank
Total interest income	$2,914,000	6,517
Total interest expense	$1,069,000	5,471
Net interest income	$1,845,000	6,840
Provision for loan and lease losses	$145,000	4,324
Total noninterest income	$177,000	7,356
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$145,000	5,851
Trading account gains and fees	$0	138
Additional Noninterest Income	$32,000	7,915
Total noninterest expense	$1,673,000	6,590
Salaries and employee benefits	$908,000	6,579
Premises and equipment expense	$187,000	6,909
Additional noninterest expense	$578,000	6,109
Pre-tax net operating income	$204,000	7,772
Securities gains (losses)	$0	3,819
Applicable income taxes	$64,000	5,876
Income before extraordinary items	$140,000	7,930
Extraordinary gains, net	$0	34
Net income	$140,000	7,930
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$516,000	1,306
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$140,000	7,880
2004-09-30 (YTD Data)		Rank
Total interest income	$2,204,000	6,497
Total interest expense	$826,000	5,359
Net interest income	$1,378,000	6,865
Provision for loan and lease losses	$145,000	3,592
Total noninterest income	$143,000	7,277
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$109,000	5,894
Trading account gains and fees	$0	134
Additional Noninterest Income	$34,000	7,563
Total noninterest expense	$1,230,000	6,602
Salaries and employee benefits	$664,000	6,619
Premises and equipment expense	$141,000	6,871
Additional noninterest expense	$425,000	6,128
Pre-tax net operating income	$146,000	7,931
Securities gains (losses)	$0	3,710
Applicable income taxes	$30,000	6,288
Income before extraordinary items	$116,000	7,986
Extraordinary gains, net	$0	26
Net income	$116,000	7,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$508,000	930
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$116,000	7,933
2004-06-30 (YTD Data)		Rank
Total interest income	$1,467,000	6,531
Total interest expense	$568,000	5,275
Net interest income	$899,000	6,955
Provision for loan and lease losses	$145,000	2,845
Total noninterest income	$89,000	7,433
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$70,000	5,970
Trading account gains and fees	$0	130
Additional Noninterest Income	$19,000	7,792
Total noninterest expense	$797,000	6,730
Salaries and employee benefits	$438,000	6,699
Premises and equipment expense	$82,000	7,177
Additional noninterest expense	$277,000	6,221
Pre-tax net operating income	$46,000	8,264
Securities gains (losses)	$0	3,413
Applicable income taxes	$9,000	6,693
Income before extraordinary items	$37,000	8,339
Extraordinary gains, net	$0	21
Net income	$37,000	8,342
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$520,000	684
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$37,000	8,275
2004-03-31 (YTD Data)		Rank
Total interest income	$753,000	6,474
Total interest expense	$288,000	5,292
Net interest income	$465,000	6,887
Provision for loan and lease losses	$0	6,501
Total noninterest income	$37,000	7,710
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$33,000	6,033
Trading account gains and fees	$0	121
Additional Noninterest Income	$4,000	8,419
Total noninterest expense	$375,000	6,939
Salaries and employee benefits	$212,000	6,833
Premises and equipment expense	$39,000	7,313
Additional noninterest expense	$124,000	6,581
Pre-tax net operating income	$127,000	6,767
Securities gains (losses)	$0	2,934
Applicable income taxes	$42,000	5,058
Income before extraordinary items	$85,000	7,142
Extraordinary gains, net	$0	16
Net income	$85,000	7,144
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	2,164
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$85,000	7,058
2003-12-31 (YTD Data)		Rank
Total interest income	$3,447,000	6,082
Total interest expense	$1,386,000	5,125
Net interest income	$2,061,000	6,501
Provision for loan and lease losses	$789,000	1,475
Total noninterest income	$194,000	7,404
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$164,000	5,700
Trading account gains and fees	$0	160
Additional Noninterest Income	$30,000	8,120
Total noninterest expense	$1,798,000	6,356
Salaries and employee benefits	$835,000	6,789
Premises and equipment expense	$237,000	6,334
Additional noninterest expense	$726,000	5,376
Pre-tax net operating income	$-332,000	8,754
Securities gains (losses)	$157,000	1,525
Applicable income taxes	$-94,000	8,939
Income before extraordinary items	$-81,000	8,708
Extraordinary gains, net	$0	54
Net income	$-81,000	8,711
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$773,000	1,128
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-181,480	8,700
2003-09-30 (YTD Data)		Rank
Total interest income	$2,651,000	6,083
Total interest expense	$1,073,000	5,166
Net interest income	$1,578,000	6,468
Provision for loan and lease losses	$789,000	1,103
Total noninterest income	$167,000	7,198
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$129,000	5,623
Trading account gains and fees	$0	153
Additional Noninterest Income	$38,000	7,573
Total noninterest expense	$1,274,000	6,513
Salaries and employee benefits	$624,000	6,810
Premises and equipment expense	$188,000	6,155
Additional noninterest expense	$462,000	5,888
Pre-tax net operating income	$-318,000	8,883
Securities gains (losses)	$0	4,204
Applicable income taxes	$-149,000	9,094
Income before extraordinary items	$-169,000	8,875
Extraordinary gains, net	$0	40
Net income	$-169,000	8,876
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$762,000	831
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-169,000	8,809
2003-06-30 (YTD Data)		Rank
Total interest income	$1,821,000	6,032
Total interest expense	$761,000	5,087
Net interest income	$1,060,000	6,465
Provision for loan and lease losses	$654,000	918
Total noninterest income	$117,000	7,121
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$87,000	5,574
Trading account gains and fees	$0	150
Additional Noninterest Income	$30,000	7,328
Total noninterest expense	$863,000	6,473
Salaries and employee benefits	$420,000	6,813
Premises and equipment expense	$125,000	6,160
Additional noninterest expense	$318,000	5,776
Pre-tax net operating income	$-340,000	9,003
Securities gains (losses)	$0	3,782
Applicable income taxes	$-140,000	9,160
Income before extraordinary items	$-200,000	9,004
Extraordinary gains, net	$0	30
Net income	$-200,000	9,003
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$709,000	659
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-200,000	8,932
2003-03-31 (YTD Data)		Rank
Total interest income	$950,000	5,939
Total interest expense	$399,000	5,044
Net interest income	$551,000	6,340
Provision for loan and lease losses	$135,000	1,910
Total noninterest income	$69,000	6,751
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	$23,000	6,700
Total noninterest expense	$371,000	6,946
Salaries and employee benefits	$195,000	7,047
Premises and equipment expense	$58,000	6,382
Additional noninterest expense	$118,000	6,700
Pre-tax net operating income	$114,000	6,987
Securities gains (losses)	$0	2,891
Applicable income taxes	$22,000	5,997
Income before extraordinary items	$92,000	7,045
Extraordinary gains, net	$0	21
Net income	$92,000	7,047
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$129,000	1,261
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$92,000	6,886
2002-12-31 (YTD Data)		Rank
Total interest income	$4,320,000	5,668
Total interest expense	$2,376,000	4,265
Net interest income	$1,944,000	6,710
Provision for loan and lease losses	$888,000	1,502
Total noninterest income	$249,000	6,869
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$215,000	5,044
Trading account gains and fees	$0	153
Additional Noninterest Income	$34,000	8,065
Total noninterest expense	$1,391,000	7,070
Salaries and employee benefits	$770,000	6,995
Premises and equipment expense	$222,000	6,500
Additional noninterest expense	$399,000	7,157
Pre-tax net operating income	$-86,000	8,750
Securities gains (losses)	$0	4,537
Applicable income taxes	$-91,000	9,054
Income before extraordinary items	$5,000	8,707
Extraordinary gains, net	$0	70
Net income	$5,000	8,710
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$437,000	1,834
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$5,000	8,629
2001-12-31 (YTD Data)		Rank
Total interest income	$4,921,000	5,665
Total interest expense	$3,288,000	4,401
Net interest income	$1,633,000	7,095
Provision for loan and lease losses	$390,000	2,674
Total noninterest income	$273,000	6,644
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$223,000	4,903
Trading account gains and fees	$0	177
Additional Noninterest Income	$50,000	7,689
Total noninterest expense	$1,380,000	7,053
Salaries and employee benefits	$829,000	6,666
Premises and equipment expense	$201,000	6,776
Additional noninterest expense	$350,000	7,515
Pre-tax net operating income	$136,000	8,160
Securities gains (losses)	$3,000	4,114
Applicable income taxes	$-19,000	9,050
Income before extraordinary items	$158,000	7,983
Extraordinary gains, net	$0	105
Net income	$158,000	7,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$290,000	2,295
Cash dividends	$40,000	6,242
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$155,000	7,880
2000-12-31 (YTD Data)		Rank
Total interest income	$5,114,000	5,656
Total interest expense	$2,926,000	5,024
Net interest income	$2,188,000	6,286
Provision for loan and lease losses	$240,000	3,322
Total noninterest income	$315,000	6,172
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$215,000	4,920
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	6,440
Total noninterest expense	$1,307,000	7,228
Salaries and employee benefits	$808,000	6,694
Premises and equipment expense	$175,000	7,161
Additional noninterest expense	$324,000	7,758
Pre-tax net operating income	$956,000	5,377
Securities gains (losses)	$0	1,956
Applicable income taxes	$250,000	4,981
Income before extraordinary items	$706,000	5,398
Extraordinary gains, net	$0	38
Net income	$706,000	5,398
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	4,684
Cash dividends	$94,000	6,033
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$706,000	5,404
1999-12-31 (YTD Data)		Rank
Total interest income	$4,293,000	6,104
Total interest expense	$2,527,000	5,159
Net interest income	$1,766,000	7,076
Provision for loan and lease losses	$575,000	1,581
Total noninterest income	$268,000	6,746
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$203,000	5,078
Trading account gains and fees	NA	NA
Additional Noninterest Income	$65,000	7,576
Total noninterest expense	$1,371,000	7,111
Salaries and employee benefits	$704,000	7,214
Premises and equipment expense	$180,000	7,132
Additional noninterest expense	$487,000	6,605
Pre-tax net operating income	$88,000	9,114
Securities gains (losses)	$5,000	2,145
Applicable income taxes	$0	8,765
Income before extraordinary items	$93,000	9,015
Extraordinary gains, net	$0	35
Net income	$93,000	9,013
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$564,000	1,112
Cash dividends	$194,000	5,311
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$88,000	9,013
1998-12-31 (YTD Data)		Rank
Total interest income	$4,086,000	6,419
Total interest expense	$2,256,000	5,736
Net interest income	$1,830,000	6,988
Provision for loan and lease losses	$220,000	3,309
Total noninterest income	$251,000	6,996
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	5,536
Trading account gains and fees	NA	NA
Additional Noninterest Income	$78,000	7,242
Total noninterest expense	$1,228,000	7,464
Salaries and employee benefits	$751,000	6,910
Premises and equipment expense	$165,000	7,336
Additional noninterest expense	$312,000	8,008
Pre-tax net operating income	$633,000	6,750
Securities gains (losses)	$0	4,449
Applicable income taxes	$169,000	6,594
Income before extraordinary items	$464,000	6,821
Extraordinary gains, net	$0	32
Net income	$464,000	6,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$185,000	2,571
Cash dividends	$294,000	4,682
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$464,000	6,715
1997-12-31 (YTD Data)		Rank
Total interest income	$3,785,000	6,866
Total interest expense	$2,041,000	6,187
Net interest income	$1,744,000	7,443
Provision for loan and lease losses	$165,000	3,914
Total noninterest income	$175,000	8,204
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$152,000	6,142
Trading account gains and fees	NA	NA
Additional Noninterest Income	$23,000	9,689
Total noninterest expense	$1,147,000	7,858
Salaries and employee benefits	$718,000	7,219
Premises and equipment expense	$142,000	7,983
Additional noninterest expense	$287,000	8,454
Pre-tax net operating income	$607,000	7,386
Securities gains (losses)	$20,000	1,883
Applicable income taxes	$171,000	7,306
Income before extraordinary items	$456,000	7,254
Extraordinary gains, net	$0	44
Net income	$456,000	7,257
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$207,000	2,496
Cash dividends	$76,000	6,819
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$441,400	7,318
1996-12-31 (YTD Data)		Rank
Total interest income	$3,595,000	7,277
Total interest expense	$1,869,000	6,683
Net interest income	$1,726,000	7,713
Provision for loan and lease losses	$75,000	5,702
Total noninterest income	$187,000	8,425
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	6,076
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	10,709
Total noninterest expense	$1,035,000	8,546
Salaries and employee benefits	$693,000	7,580
Premises and equipment expense	$123,000	8,728
Additional noninterest expense	$219,000	9,712
Pre-tax net operating income	$803,000	6,492
Securities gains (losses)	$0	4,148
Applicable income taxes	$224,000	6,786
Income before extraordinary items	$579,000	6,404
Extraordinary gains, net	$0	53
Net income	$579,000	6,406
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	6,017
Cash dividends	$190,000	5,589
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$579,000	6,329
1995-12-31 (YTD Data)		Rank
Total interest income	$3,408,000	7,677
Total interest expense	$1,729,000	7,069
Net interest income	$1,679,000	8,070
Provision for loan and lease losses	$40,000	6,618
Total noninterest income	$188,000	8,617
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$126,000	7,185
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	8,656
Total noninterest expense	$1,052,000	8,750
Salaries and employee benefits	$667,000	7,947
Premises and equipment expense	$136,000	8,625
Additional noninterest expense	$249,000	9,832
Pre-tax net operating income	$775,000	6,936
Securities gains (losses)	$14,000	2,143
Applicable income taxes	$225,000	7,020
Income before extraordinary items	$564,000	6,822
Extraordinary gains, net	$0	65
Net income	$564,000	6,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,475
Cash dividends	$181,000	5,715
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$554,060	6,859
1994-12-31 (YTD Data)		Rank
Total interest income	$2,996,000	8,052
Total interest expense	$1,290,000	7,582
Net interest income	$1,706,000	8,285
Provision for loan and lease losses	$33,000	6,965
Total noninterest income	$172,000	9,264
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	7,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$41,000	10,081
Total noninterest expense	$1,067,000	9,094
Salaries and employee benefits	$637,000	8,360
Premises and equipment expense	$144,000	8,713
Additional noninterest expense	$286,000	10,119
Pre-tax net operating income	$778,000	6,986
Securities gains (losses)	$0	3,600
Applicable income taxes	$218,000	7,042
Income before extraordinary items	$560,000	6,832
Extraordinary gains, net	$0	249
Net income	$560,000	6,846
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,099
Cash dividends	$187,000	5,662
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$560,000	6,885
1993-12-31 (YTD Data)		Rank
Total interest income	$2,966,000	8,393
Total interest expense	$1,397,000	7,556
Net interest income	$1,569,000	8,900
Provision for loan and lease losses	$86,000	6,164
Total noninterest income	$166,000	9,890
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$123,000	7,765
Trading account gains and fees	NA	NA
Additional Noninterest Income	$43,000	10,513
Total noninterest expense	$1,021,000	9,648
Salaries and employee benefits	$591,000	8,879
Premises and equipment expense	$132,000	9,415
Additional noninterest expense	$298,000	10,480
Pre-tax net operating income	$628,000	7,751
Securities gains (losses)	$23,000	4,484
Applicable income taxes	$168,000	8,248
Income before extraordinary items	$483,000	7,691
Extraordinary gains, net	$0	3,149
Net income	$483,000	7,879
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$79,000	5,061
Cash dividends	$168,000	5,852
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$465,980	7,582
1992-12-31 (YTD Data)		Rank
Total interest income	$3,202,000	8,634
Total interest expense	$1,857,000	7,456
Net interest income	$1,345,000	9,822
Provision for loan and lease losses	$80,000	7,886
Total noninterest income	$166,000	10,133
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,688
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	11,337
Total noninterest expense	$1,007,000	9,942
Salaries and employee benefits	$578,000	9,005
Premises and equipment expense	$113,000	10,290
Additional noninterest expense	$316,000	10,607
Pre-tax net operating income	$424,000	9,028
Securities gains (losses)	$18,000	5,726
Applicable income taxes	$114,000	9,543
Income before extraordinary items	$328,000	8,951
Extraordinary gains, net	$0	1,422
Net income	$328,000	9,096
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$55,000	7,355
Cash dividends	$142,000	5,911
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$314,680	8,738

* 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.