Home > Catawba Valley Bank > Income and Expense
Catawba Valley Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $25,072,000 | 1,329 |
| Total interest expense | $9,886,000 | 1,140 |
| Net interest income | $15,186,000 | 1,435 |
| Provision for loan and lease losses | $1,209,000 | 865 |
| Total noninterest income | $2,680,000 | 1,768 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,708,000 | 1,034 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $972,000 | 2,257 |
| Total noninterest expense | $11,456,000 | 1,499 |
| Salaries and employee benefits | $4,578,000 | 2,011 |
| Premises and equipment expense | $1,265,000 | 1,907 |
| Additional noninterest expense | $5,613,000 | 921 |
| Pre-tax net operating income | $5,201,000 | 1,803 |
| Securities gains (losses) | $-25,000 | 7,924 |
| Applicable income taxes | $1,659,000 | 1,581 |
| Income before extraordinary items | $3,517,000 | 1,953 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,517,000 | 1,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,114,000 | 283 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,534,000 | 1,918 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,632,000 | 1,304 |
| Total interest expense | $7,114,000 | 1,116 |
| Net interest income | $11,518,000 | 1,397 |
| Provision for loan and lease losses | $338,000 | 2,006 |
| Total noninterest income | $2,069,000 | 1,734 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,266,000 | 1,045 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $803,000 | 2,109 |
| Total noninterest expense | $8,620,000 | 1,486 |
| Salaries and employee benefits | $3,476,000 | 1,962 |
| Premises and equipment expense | $951,000 | 1,897 |
| Additional noninterest expense | $4,193,000 | 908 |
| Pre-tax net operating income | $4,629,000 | 1,545 |
| Securities gains (losses) | $-25,000 | 8,266 |
| Applicable income taxes | $1,525,000 | 1,365 |
| Income before extraordinary items | $3,079,000 | 1,711 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,079,000 | 1,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,051,000 | 236 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,095,750 | 1,670 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,104,000 | 1,299 |
| Total interest expense | $4,563,000 | 1,094 |
| Net interest income | $7,541,000 | 1,397 |
| Provision for loan and lease losses | $32,000 | 5,100 |
| Total noninterest income | $1,505,000 | 1,593 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $840,000 | 1,025 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $665,000 | 1,804 |
| Total noninterest expense | $5,786,000 | 1,467 |
| Salaries and employee benefits | $2,353,000 | 1,928 |
| Premises and equipment expense | $658,000 | 1,814 |
| Additional noninterest expense | $2,775,000 | 905 |
| Pre-tax net operating income | $3,228,000 | 1,447 |
| Securities gains (losses) | $-25,000 | 8,430 |
| Applicable income taxes | $1,069,000 | 1,298 |
| Income before extraordinary items | $2,134,000 | 1,614 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,134,000 | 1,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,198,000 | 210 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,150,750 | 1,573 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,955,000 | 1,289 |
| Total interest expense | $2,199,000 | 1,071 |
| Net interest income | $3,756,000 | 1,407 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $652,000 | 1,761 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $399,000 | 1,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $253,000 | 2,135 |
| Total noninterest expense | $2,715,000 | 1,561 |
| Salaries and employee benefits | $1,100,000 | 2,080 |
| Premises and equipment expense | $326,000 | 1,842 |
| Additional noninterest expense | $1,289,000 | 971 |
| Pre-tax net operating income | $1,693,000 | 1,360 |
| Securities gains (losses) | $-10,000 | 8,531 |
| Applicable income taxes | $565,000 | 1,210 |
| Income before extraordinary items | $1,118,000 | 1,515 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,118,000 | 1,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,148,000 | 143 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,124,600 | 1,483 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $21,729,000 | 1,301 |
| Total interest expense | $7,823,000 | 1,030 |
| Net interest income | $13,906,000 | 1,454 |
| Provision for loan and lease losses | $5,762,000 | 224 |
| Total noninterest income | $3,029,000 | 1,584 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,653,000 | 1,079 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,376,000 | 1,740 |
| Total noninterest expense | $10,598,000 | 1,536 |
| Salaries and employee benefits | $4,289,000 | 2,029 |
| Premises and equipment expense | $1,369,000 | 1,703 |
| Additional noninterest expense | $4,940,000 | 1,014 |
| Pre-tax net operating income | $575,000 | 6,469 |
| Securities gains (losses) | $187,000 | 860 |
| Applicable income taxes | $-44,000 | 8,667 |
| Income before extraordinary items | $806,000 | 5,251 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $806,000 | 5,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,730,000 | 515 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $619,000 | 5,806 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,836,000 | 1,329 |
| Total interest expense | $5,774,000 | 1,031 |
| Net interest income | $10,062,000 | 1,500 |
| Provision for loan and lease losses | $4,825,000 | 214 |
| Total noninterest income | $2,284,000 | 1,594 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,222,000 | 1,099 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,062,000 | 1,704 |
| Total noninterest expense | $7,536,000 | 1,613 |
| Salaries and employee benefits | $3,211,000 | 2,026 |
| Premises and equipment expense | $1,077,000 | 1,622 |
| Additional noninterest expense | $3,248,000 | 1,130 |
| Pre-tax net operating income | $-15,000 | 8,502 |
| Securities gains (losses) | $119,000 | 1,066 |
| Applicable income taxes | $-240,000 | 8,927 |
| Income before extraordinary items | $344,000 | 6,644 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $344,000 | 6,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $521,000 | 911 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $225,000 | 7,273 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,338,000 | 1,342 |
| Total interest expense | $3,808,000 | 1,030 |
| Net interest income | $6,530,000 | 1,520 |
| Provision for loan and lease losses | $500,000 | 987 |
| Total noninterest income | $1,454,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $778,000 | 1,137 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $676,000 | 1,765 |
| Total noninterest expense | $5,003,000 | 1,615 |
| Salaries and employee benefits | $2,097,000 | 2,089 |
| Premises and equipment expense | $734,000 | 1,578 |
| Additional noninterest expense | $2,172,000 | 1,127 |
| Pre-tax net operating income | $2,481,000 | 1,691 |
| Securities gains (losses) | $132,000 | 865 |
| Applicable income taxes | $803,000 | 1,527 |
| Income before extraordinary items | $1,810,000 | 1,756 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,810,000 | 1,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $487,000 | 731 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,718,920 | 1,786 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,147,000 | 1,351 |
| Total interest expense | $1,925,000 | 1,031 |
| Net interest income | $3,222,000 | 1,546 |
| Provision for loan and lease losses | $275,000 | 887 |
| Total noninterest income | $791,000 | 1,513 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $396,000 | 1,078 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $395,000 | 1,549 |
| Total noninterest expense | $2,689,000 | 1,514 |
| Salaries and employee benefits | $1,163,000 | 1,888 |
| Premises and equipment expense | $406,000 | 1,451 |
| Additional noninterest expense | $1,120,000 | 1,093 |
| Pre-tax net operating income | $1,049,000 | 1,927 |
| Securities gains (losses) | $135,000 | 665 |
| Applicable income taxes | $354,000 | 1,711 |
| Income before extraordinary items | $830,000 | 1,881 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $830,000 | 1,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 521 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $735,500 | 2,000 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,534,000 | 1,395 |
| Total interest expense | $7,744,000 | 1,162 |
| Net interest income | $12,790,000 | 1,522 |
| Provision for loan and lease losses | $750,000 | 1,535 |
| Total noninterest income | $3,789,000 | 1,408 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,808,000 | 946 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,981,000 | 1,484 |
| Total noninterest expense | $10,213,000 | 1,560 |
| Salaries and employee benefits | $4,575,000 | 1,882 |
| Premises and equipment expense | $1,450,000 | 1,576 |
| Additional noninterest expense | $4,188,000 | 1,198 |
| Pre-tax net operating income | $5,616,000 | 1,471 |
| Securities gains (losses) | $75,000 | 2,153 |
| Applicable income taxes | $1,903,000 | 1,333 |
| Income before extraordinary items | $3,788,000 | 1,639 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,788,000 | 1,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $517,000 | 1,571 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-4,545,000 | 9,175 |
| Net operating income | $3,737,750 | 1,581 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,227,000 | 1,436 |
| Total interest expense | $5,821,000 | 1,198 |
| Net interest income | $9,406,000 | 1,557 |
| Provision for loan and lease losses | $470,000 | 1,751 |
| Total noninterest income | $2,964,000 | 1,376 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,406,000 | 922 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,558,000 | 1,496 |
| Total noninterest expense | $7,516,000 | 1,614 |
| Salaries and employee benefits | $3,275,000 | 1,970 |
| Premises and equipment expense | $1,052,000 | 1,631 |
| Additional noninterest expense | $3,189,000 | 1,187 |
| Pre-tax net operating income | $4,384,000 | 1,463 |
| Securities gains (losses) | $75,000 | 1,990 |
| Applicable income taxes | $1,528,000 | 1,333 |
| Income before extraordinary items | $2,931,000 | 1,636 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,931,000 | 1,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 1,685 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $-4,545,000 | 9,230 |
| Net operating income | $2,881,500 | 1,587 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,279,000 | 1,432 |
| Total interest expense | $3,920,000 | 1,225 |
| Net interest income | $6,359,000 | 1,533 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $1,838,000 | 1,458 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $835,000 | 1,034 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,003,000 | 1,515 |
| Total noninterest expense | $4,775,000 | 1,686 |
| Salaries and employee benefits | $2,170,000 | 1,966 |
| Premises and equipment expense | $701,000 | 1,636 |
| Additional noninterest expense | $1,904,000 | 1,298 |
| Pre-tax net operating income | $3,152,000 | 1,362 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $1,100,000 | 1,266 |
| Income before extraordinary items | $2,059,000 | 1,573 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,059,000 | 1,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 1,702 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $-4,545,000 | 9,263 |
| Net operating income | $2,054,450 | 1,472 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,388,000 | 1,361 |
| Total interest expense | $2,000,000 | 1,223 |
| Net interest income | $3,388,000 | 1,440 |
| Provision for loan and lease losses | $220,000 | 1,270 |
| Total noninterest income | $723,000 | 1,729 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $407,000 | 1,023 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $316,000 | 2,039 |
| Total noninterest expense | $2,286,000 | 1,733 |
| Salaries and employee benefits | $1,081,000 | 1,964 |
| Premises and equipment expense | $331,000 | 1,720 |
| Additional noninterest expense | $874,000 | 1,381 |
| Pre-tax net operating income | $1,605,000 | 1,333 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $576,000 | 1,220 |
| Income before extraordinary items | $1,036,000 | 1,553 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,036,000 | 1,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,279 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $-4,545,000 | 9,311 |
| Net operating income | $1,031,520 | 1,461 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,022,000 | 2,359 |
| Total interest expense | $5,458,000 | 2,060 |
| Net interest income | $7,564,000 | 2,528 |
| Provision for loan and lease losses | $760,000 | 1,707 |
| Total noninterest income | $1,807,000 | 2,318 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,077,000 | 1,499 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $730,000 | 2,648 |
| Total noninterest expense | $4,782,000 | 3,039 |
| Salaries and employee benefits | $2,665,000 | 2,960 |
| Premises and equipment expense | $562,000 | 3,605 |
| Additional noninterest expense | $1,555,000 | 2,881 |
| Pre-tax net operating income | $3,829,000 | 2,056 |
| Securities gains (losses) | $393,000 | 760 |
| Applicable income taxes | $1,471,000 | 1,674 |
| Income before extraordinary items | $2,751,000 | 2,172 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,751,000 | 2,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $484,000 | 1,697 |
| Cash dividends | $1,188,000 | 1,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,495,550 | 2,276 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,601,000 | 2,516 |
| Total interest expense | $7,099,000 | 2,259 |
| Net interest income | $6,502,000 | 2,739 |
| Provision for loan and lease losses | $540,000 | 2,073 |
| Total noninterest income | $1,311,000 | 2,758 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $773,000 | 1,965 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $538,000 | 3,007 |
| Total noninterest expense | $4,718,000 | 2,965 |
| Salaries and employee benefits | $2,309,000 | 3,179 |
| Premises and equipment expense | $514,000 | 3,786 |
| Additional noninterest expense | $1,895,000 | 2,359 |
| Pre-tax net operating income | $2,555,000 | 2,622 |
| Securities gains (losses) | $116,000 | 1,632 |
| Applicable income taxes | $866,000 | 2,299 |
| Income before extraordinary items | $1,805,000 | 2,777 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,805,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,928 |
| Cash dividends | $250,000 | 4,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,726,120 | 2,804 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,932,000 | 2,910 |
| Total interest expense | $6,360,000 | 2,620 |
| Net interest income | $5,572,000 | 3,155 |
| Provision for loan and lease losses | $682,000 | 1,453 |
| Total noninterest income | $817,000 | 3,616 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $451,000 | 2,959 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $366,000 | 3,548 |
| Total noninterest expense | $3,332,000 | 3,872 |
| Salaries and employee benefits | $1,744,000 | 3,869 |
| Premises and equipment expense | $448,000 | 4,149 |
| Additional noninterest expense | $1,140,000 | 3,600 |
| Pre-tax net operating income | $2,375,000 | 2,887 |
| Securities gains (losses) | $-43,000 | 9,134 |
| Applicable income taxes | $792,000 | 2,538 |
| Income before extraordinary items | $1,540,000 | 3,184 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,540,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,566 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,568,380 | 3,137 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,270,000 | 3,786 |
| Total interest expense | $4,070,000 | 3,535 |
| Net interest income | $4,200,000 | 4,003 |
| Provision for loan and lease losses | $394,000 | 2,143 |
| Total noninterest income | $626,000 | 4,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,203 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $348,000 | 3,703 |
| Total noninterest expense | $2,819,000 | 4,447 |
| Salaries and employee benefits | $1,452,000 | 4,446 |
| Premises and equipment expense | $379,000 | 4,705 |
| Additional noninterest expense | $988,000 | 4,058 |
| Pre-tax net operating income | $1,613,000 | 3,903 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $592,000 | 3,248 |
| Income before extraordinary items | $1,021,000 | 4,365 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,021,000 | 4,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,527 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 829 |
| Net operating income | $1,021,000 | 4,335 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,291,000 | 4,829 |
| Total interest expense | $3,254,000 | 4,428 |
| Net interest income | $3,037,000 | 5,094 |
| Provision for loan and lease losses | $471,000 | 1,809 |
| Total noninterest income | $460,000 | 5,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 4,927 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $244,000 | 4,478 |
| Total noninterest expense | $1,863,000 | 5,854 |
| Salaries and employee benefits | $961,000 | 5,938 |
| Premises and equipment expense | $250,000 | 5,967 |
| Additional noninterest expense | $652,000 | 5,438 |
| Pre-tax net operating income | $1,163,000 | 4,985 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $423,000 | 4,277 |
| Income before extraordinary items | $740,000 | 5,441 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $740,000 | 5,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,584 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $5,856,000 | 200 |
| Net operating income | $740,000 | 5,333 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 6,408 |
| Total interest expense | $2,152,000 | 5,983 |
| Net interest income | $2,123,000 | 6,671 |
| Provision for loan and lease losses | $349,000 | 2,338 |
| Total noninterest income | $264,000 | 7,063 |
| 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 | $112,000 | 6,462 |
| Total noninterest expense | $1,441,000 | 6,937 |
| Salaries and employee benefits | $672,000 | 7,482 |
| Premises and equipment expense | $227,000 | 6,392 |
| Additional noninterest expense | $542,000 | 6,178 |
| Pre-tax net operating income | $597,000 | 7,438 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $78,000 | 8,774 |
| Income before extraordinary items | $518,000 | 6,866 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $518,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,391 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 982 |
| Net operating income | $518,870 | 6,811 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,792,000 | 9,665 |
| Total interest expense | $851,000 | 9,480 |
| Net interest income | $941,000 | 9,722 |
| Provision for loan and lease losses | $362,000 | 2,241 |
| Total noninterest income | $176,000 | 8,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,382 |
| Total noninterest expense | $851,000 | 9,233 |
| Salaries and employee benefits | $495,000 | 8,923 |
| Premises and equipment expense | $101,000 | 9,258 |
| Additional noninterest expense | $255,000 | 9,341 |
| Pre-tax net operating income | $-96,000 | 10,949 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-96,000 | 10,992 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-96,000 | 10,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 797 |
| Net operating income | $-96,000 | 10,946 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $94,000 | 11,941 |
| Total interest expense | $24,000 | 11,925 |
| Net interest income | $70,000 | 11,936 |
| Provision for loan and lease losses | $52,000 | 6,119 |
| Total noninterest income | $3,000 | 11,919 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 10,293 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,898 |
| Total noninterest expense | $150,000 | 11,920 |
| Salaries and employee benefits | $79,000 | 11,909 |
| Premises and equipment expense | $16,000 | 11,846 |
| Additional noninterest expense | $55,000 | 11,881 |
| Pre-tax net operating income | $-129,000 | 11,618 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-129,000 | 11,624 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-129,000 | 11,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $7,384,000 | 68 |
| Net operating income | $-129,000 | 11,607 |
* 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.