Home > Cedars Bank > Income and Expense
Cedars Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $29,935,000 | 1,102 |
| Total interest expense | $8,273,000 | 1,372 |
| Net interest income | $21,662,000 | 981 |
| Provision for loan and lease losses | $1,975,000 | 554 |
| Total noninterest income | $2,016,000 | 2,195 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,217,000 | 1,440 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $799,000 | 2,544 |
| Total noninterest expense | $12,925,000 | 1,334 |
| Salaries and employee benefits | $6,805,000 | 1,364 |
| Premises and equipment expense | $1,696,000 | 1,442 |
| Additional noninterest expense | $4,424,000 | 1,149 |
| Pre-tax net operating income | $8,778,000 | 1,104 |
| Securities gains (losses) | $-1,672,000 | 8,773 |
| Applicable income taxes | $2,750,000 | 1,035 |
| Income before extraordinary items | $4,356,000 | 1,615 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,356,000 | 1,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,213 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $814,000 | 502 |
| Net operating income | $5,426,080 | 1,301 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $21,660,000 | 1,110 |
| Total interest expense | $5,897,000 | 1,365 |
| Net interest income | $15,763,000 | 998 |
| Provision for loan and lease losses | $409,000 | 1,690 |
| Total noninterest income | $1,435,000 | 2,283 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $905,000 | 1,428 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $530,000 | 2,765 |
| Total noninterest expense | $8,648,000 | 1,481 |
| Salaries and employee benefits | $4,856,000 | 1,426 |
| Premises and equipment expense | $1,229,000 | 1,477 |
| Additional noninterest expense | $2,563,000 | 1,463 |
| Pre-tax net operating income | $8,141,000 | 910 |
| Securities gains (losses) | $-14,000 | 8,034 |
| Applicable income taxes | $3,168,000 | 741 |
| Income before extraordinary items | $4,959,000 | 1,083 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,959,000 | 1,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,344 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $628,000 | 388 |
| Net operating income | $4,967,960 | 1,063 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,792,000 | 1,136 |
| Total interest expense | $3,597,000 | 1,396 |
| Net interest income | $10,195,000 | 1,024 |
| Provision for loan and lease losses | $193,000 | 2,216 |
| Total noninterest income | $941,000 | 2,279 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $612,000 | 1,387 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $329,000 | 2,898 |
| Total noninterest expense | $5,617,000 | 1,507 |
| Salaries and employee benefits | $3,258,000 | 1,413 |
| Premises and equipment expense | $769,000 | 1,571 |
| Additional noninterest expense | $1,590,000 | 1,562 |
| Pre-tax net operating income | $5,326,000 | 895 |
| Securities gains (losses) | $-11,000 | 8,167 |
| Applicable income taxes | $2,073,000 | 742 |
| Income before extraordinary items | $3,242,000 | 1,081 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,242,000 | 1,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,304 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $527,000 | 281 |
| Net operating income | $3,249,040 | 1,058 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,488,000 | 1,182 |
| Total interest expense | $1,605,000 | 1,492 |
| Net interest income | $4,883,000 | 1,065 |
| Provision for loan and lease losses | $160,000 | 1,329 |
| Total noninterest income | $462,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $295,000 | 1,392 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $167,000 | 2,787 |
| Total noninterest expense | $2,850,000 | 1,489 |
| Salaries and employee benefits | $1,725,000 | 1,341 |
| Premises and equipment expense | $371,000 | 1,633 |
| Additional noninterest expense | $754,000 | 1,633 |
| Pre-tax net operating income | $2,335,000 | 1,002 |
| Securities gains (losses) | $-12,000 | 8,571 |
| Applicable income taxes | $882,000 | 837 |
| Income before extraordinary items | $1,441,000 | 1,199 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,441,000 | 1,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,691 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $424,000 | 175 |
| Net operating income | $1,448,680 | 1,170 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $21,629,000 | 1,316 |
| Total interest expense | $4,908,000 | 1,667 |
| Net interest income | $16,721,000 | 1,202 |
| Provision for loan and lease losses | $126,000 | 4,536 |
| Total noninterest income | $1,575,000 | 2,600 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,095,000 | 1,602 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $480,000 | 3,384 |
| Total noninterest expense | $9,952,000 | 1,635 |
| Salaries and employee benefits | $5,328,000 | 1,653 |
| Premises and equipment expense | $1,411,000 | 1,648 |
| Additional noninterest expense | $3,213,000 | 1,525 |
| Pre-tax net operating income | $8,218,000 | 1,074 |
| Securities gains (losses) | $-127,000 | 8,756 |
| Applicable income taxes | $2,970,000 | 910 |
| Income before extraordinary items | $5,121,000 | 1,272 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,121,000 | 1,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,731 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $1,428,000 | 372 |
| Net operating income | $5,202,280 | 1,216 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,504,000 | 1,356 |
| Total interest expense | $3,426,000 | 1,751 |
| Net interest income | $12,078,000 | 1,241 |
| Provision for loan and lease losses | $245,000 | 2,606 |
| Total noninterest income | $1,183,000 | 2,601 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $814,000 | 1,625 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $369,000 | 3,343 |
| Total noninterest expense | $6,678,000 | 1,809 |
| Salaries and employee benefits | $3,706,000 | 1,768 |
| Premises and equipment expense | $973,000 | 1,785 |
| Additional noninterest expense | $1,999,000 | 1,792 |
| Pre-tax net operating income | $6,338,000 | 1,041 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,345,000 | 898 |
| Income before extraordinary items | $3,993,000 | 1,236 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,993,000 | 1,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 8,710 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $350,000 | 385 |
| Net operating income | $3,993,000 | 1,202 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,127,000 | 1,372 |
| Total interest expense | $2,228,000 | 1,782 |
| Net interest income | $7,899,000 | 1,254 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $792,000 | 2,609 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $549,000 | 1,593 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $243,000 | 3,372 |
| Total noninterest expense | $4,443,000 | 1,798 |
| Salaries and employee benefits | $2,488,000 | 1,761 |
| Premises and equipment expense | $624,000 | 1,835 |
| Additional noninterest expense | $1,331,000 | 1,797 |
| Pre-tax net operating income | $4,123,000 | 1,055 |
| Securities gains (losses) | $63,000 | 1,312 |
| Applicable income taxes | $1,570,000 | 890 |
| Income before extraordinary items | $2,616,000 | 1,243 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,616,000 | 1,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,411 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 310 |
| Net operating income | $2,575,680 | 1,219 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,073,000 | 1,372 |
| Total interest expense | $1,129,000 | 1,783 |
| Net interest income | $3,944,000 | 1,261 |
| Provision for loan and lease losses | $125,000 | 1,741 |
| Total noninterest income | $379,000 | 2,630 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $272,000 | 1,577 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $107,000 | 3,564 |
| Total noninterest expense | $2,173,000 | 1,848 |
| Salaries and employee benefits | $1,264,000 | 1,752 |
| Premises and equipment expense | $304,000 | 1,906 |
| Additional noninterest expense | $605,000 | 1,962 |
| Pre-tax net operating income | $2,025,000 | 1,066 |
| Securities gains (losses) | $144,000 | 633 |
| Applicable income taxes | $832,000 | 861 |
| Income before extraordinary items | $1,337,000 | 1,220 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,337,000 | 1,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,369 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $201,000 | 203 |
| Net operating income | $1,244,840 | 1,240 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,087,000 | 1,506 |
| Total interest expense | $4,956,000 | 1,803 |
| Net interest income | $14,131,000 | 1,387 |
| Provision for loan and lease losses | $450,000 | 2,353 |
| Total noninterest income | $1,518,000 | 2,821 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,026,000 | 1,680 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $492,000 | 3,605 |
| Total noninterest expense | $8,302,000 | 1,913 |
| Salaries and employee benefits | $4,677,000 | 1,845 |
| Premises and equipment expense | $1,253,000 | 1,826 |
| Additional noninterest expense | $2,372,000 | 2,030 |
| Pre-tax net operating income | $6,897,000 | 1,215 |
| Securities gains (losses) | $842,000 | 534 |
| Applicable income taxes | $2,717,000 | 996 |
| Income before extraordinary items | $5,022,000 | 1,280 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,022,000 | 1,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 2,664 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 751 |
| Net operating income | $4,474,700 | 1,348 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,230,000 | 1,541 |
| Total interest expense | $3,839,000 | 1,816 |
| Net interest income | $10,391,000 | 1,419 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $1,126,000 | 2,910 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $755,000 | 1,720 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $371,000 | 3,674 |
| Total noninterest expense | $6,092,000 | 1,961 |
| Salaries and employee benefits | $3,394,000 | 1,903 |
| Premises and equipment expense | $949,000 | 1,812 |
| Additional noninterest expense | $1,749,000 | 2,042 |
| Pre-tax net operating income | $4,975,000 | 1,292 |
| Securities gains (losses) | $867,000 | 492 |
| Applicable income taxes | $2,035,000 | 1,049 |
| Income before extraordinary items | $3,807,000 | 1,295 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,807,000 | 1,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 2,845 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 654 |
| Net operating income | $3,243,450 | 1,442 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,463,000 | 1,556 |
| Total interest expense | $2,619,000 | 1,836 |
| Net interest income | $6,844,000 | 1,428 |
| Provision for loan and lease losses | $350,000 | 1,581 |
| Total noninterest income | $756,000 | 2,867 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $494,000 | 1,716 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $262,000 | 3,538 |
| Total noninterest expense | $4,198,000 | 1,881 |
| Salaries and employee benefits | $2,362,000 | 1,823 |
| Premises and equipment expense | $627,000 | 1,817 |
| Additional noninterest expense | $1,209,000 | 1,981 |
| Pre-tax net operating income | $3,052,000 | 1,399 |
| Securities gains (losses) | $850,000 | 411 |
| Applicable income taxes | $1,325,000 | 1,096 |
| Income before extraordinary items | $2,577,000 | 1,280 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,577,000 | 1,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 1,640 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 524 |
| Net operating income | $2,016,000 | 1,509 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,667,000 | 1,589 |
| Total interest expense | $1,313,000 | 1,874 |
| Net interest income | $3,354,000 | 1,452 |
| Provision for loan and lease losses | $175,000 | 1,516 |
| Total noninterest income | $397,000 | 2,703 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $239,000 | 1,705 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $158,000 | 3,120 |
| Total noninterest expense | $2,122,000 | 1,848 |
| Salaries and employee benefits | $1,227,000 | 1,736 |
| Premises and equipment expense | $319,000 | 1,794 |
| Additional noninterest expense | $576,000 | 2,045 |
| Pre-tax net operating income | $1,454,000 | 1,467 |
| Securities gains (losses) | $195,000 | 667 |
| Applicable income taxes | $540,000 | 1,282 |
| Income before extraordinary items | $1,109,000 | 1,474 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,109,000 | 1,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 349 |
| Net operating income | $978,350 | 1,542 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,071,000 | 1,704 |
| Total interest expense | $6,044,000 | 1,889 |
| Net interest income | $12,027,000 | 1,608 |
| Provision for loan and lease losses | $555,000 | 2,204 |
| Total noninterest income | $1,454,000 | 2,676 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,011,000 | 1,596 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $443,000 | 3,504 |
| Total noninterest expense | $7,847,000 | 1,923 |
| Salaries and employee benefits | $4,345,000 | 1,848 |
| Premises and equipment expense | $1,146,000 | 1,922 |
| Additional noninterest expense | $2,356,000 | 1,967 |
| Pre-tax net operating income | $5,079,000 | 1,607 |
| Securities gains (losses) | $450,000 | 704 |
| Applicable income taxes | $1,980,000 | 1,304 |
| Income before extraordinary items | $3,549,000 | 1,684 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,549,000 | 1,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,032 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $4,353,000 | 178 |
| Net operating income | $3,261,000 | 1,772 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,865,000 | 1,813 |
| Total interest expense | $9,318,000 | 1,742 |
| Net interest income | $9,547,000 | 1,868 |
| Provision for loan and lease losses | $645,000 | 1,789 |
| Total noninterest income | $1,419,000 | 2,624 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,094,000 | 1,371 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $325,000 | 3,939 |
| Total noninterest expense | $7,106,000 | 2,023 |
| Salaries and employee benefits | $3,895,000 | 1,928 |
| Premises and equipment expense | $1,003,000 | 2,118 |
| Additional noninterest expense | $2,208,000 | 2,038 |
| Pre-tax net operating income | $3,215,000 | 2,134 |
| Securities gains (losses) | $795,000 | 460 |
| Applicable income taxes | $1,480,000 | 1,511 |
| Income before extraordinary items | $2,530,000 | 2,065 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,530,000 | 2,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,628 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,216,000 | 371 |
| Net operating income | $2,021,200 | 2,419 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,478,000 | 1,893 |
| Total interest expense | $9,466,000 | 1,819 |
| Net interest income | $9,012,000 | 1,953 |
| Provision for loan and lease losses | $1,550,000 | 741 |
| Total noninterest income | $1,258,000 | 2,669 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $862,000 | 1,593 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $396,000 | 3,369 |
| Total noninterest expense | $6,819,000 | 2,028 |
| Salaries and employee benefits | $3,374,000 | 2,122 |
| Premises and equipment expense | $995,000 | 2,068 |
| Additional noninterest expense | $2,450,000 | 1,811 |
| Pre-tax net operating income | $1,901,000 | 3,452 |
| Securities gains (losses) | $24,000 | 913 |
| Applicable income taxes | $760,000 | 2,617 |
| Income before extraordinary items | $1,165,000 | 3,943 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,165,000 | 3,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,373,000 | 597 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $264,000 | 608 |
| Net operating income | $1,149,640 | 3,966 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,963,000 | 2,180 |
| Total interest expense | $7,090,000 | 2,104 |
| Net interest income | $7,873,000 | 2,233 |
| Provision for loan and lease losses | $257,000 | 3,002 |
| Total noninterest income | $1,252,000 | 2,622 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $648,000 | 2,053 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $604,000 | 2,615 |
| Total noninterest expense | $6,181,000 | 2,214 |
| Salaries and employee benefits | $3,144,000 | 2,232 |
| Premises and equipment expense | $1,116,000 | 1,827 |
| Additional noninterest expense | $1,921,000 | 2,275 |
| Pre-tax net operating income | $2,687,000 | 2,637 |
| Securities gains (losses) | $-84,000 | 9,921 |
| Applicable income taxes | $1,034,000 | 2,167 |
| Income before extraordinary items | $1,569,000 | 3,134 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,569,000 | 3,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 1,865 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 898 |
| Net operating income | $1,622,760 | 3,019 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,781,000 | 2,214 |
| Total interest expense | $7,256,000 | 2,088 |
| Net interest income | $7,525,000 | 2,270 |
| Provision for loan and lease losses | $750,000 | 1,238 |
| Total noninterest income | $1,073,000 | 2,918 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $567,000 | 2,274 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $506,000 | 2,959 |
| Total noninterest expense | $6,023,000 | 2,166 |
| Salaries and employee benefits | $3,099,000 | 2,177 |
| Premises and equipment expense | $817,000 | 2,403 |
| Additional noninterest expense | $2,107,000 | 2,021 |
| Pre-tax net operating income | $1,825,000 | 3,591 |
| Securities gains (losses) | $306,000 | 734 |
| Applicable income taxes | $848,000 | 2,602 |
| Income before extraordinary items | $1,283,000 | 3,733 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,283,000 | 3,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $570,000 | 1,138 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,606,000 | 411 |
| Net operating income | $1,087,160 | 4,127 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,549,000 | 2,617 |
| Total interest expense | $5,975,000 | 2,499 |
| Net interest income | $6,574,000 | 2,644 |
| Provision for loan and lease losses | $535,000 | 1,688 |
| Total noninterest income | $1,068,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $664,000 | 1,976 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $404,000 | 3,260 |
| Total noninterest expense | $5,280,000 | 2,442 |
| Salaries and employee benefits | $2,595,000 | 2,550 |
| Premises and equipment expense | $773,000 | 2,502 |
| Additional noninterest expense | $1,912,000 | 2,187 |
| Pre-tax net operating income | $1,827,000 | 3,811 |
| Securities gains (losses) | $115,000 | 928 |
| Applicable income taxes | $812,000 | 2,892 |
| Income before extraordinary items | $1,130,000 | 4,267 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,130,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 2,142 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,056,400 | 4,446 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,355,000 | 3,174 |
| Total interest expense | $4,806,000 | 3,107 |
| Net interest income | $5,549,000 | 3,187 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $626,000 | 4,440 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $250,000 | 4,824 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $376,000 | 3,519 |
| Total noninterest expense | $3,966,000 | 3,375 |
| Salaries and employee benefits | $2,321,000 | 2,882 |
| Premises and equipment expense | $344,000 | 5,065 |
| Additional noninterest expense | $1,301,000 | 3,528 |
| Pre-tax net operating income | $2,109,000 | 3,268 |
| Securities gains (losses) | $-25,000 | 10,754 |
| Applicable income taxes | $782,000 | 2,907 |
| Income before extraordinary items | $1,302,000 | 3,627 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,302,000 | 3,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,548 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $560,000 | 448 |
| Net operating income | $1,318,000 | 3,541 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,631,000 | 3,393 |
| Total interest expense | $4,458,000 | 3,333 |
| Net interest income | $5,173,000 | 3,421 |
| Provision for loan and lease losses | $300,000 | 2,267 |
| Total noninterest income | $573,000 | 4,725 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $173,000 | 6,200 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $400,000 | 3,315 |
| Total noninterest expense | $3,750,000 | 3,520 |
| Salaries and employee benefits | $1,958,000 | 3,370 |
| Premises and equipment expense | $445,000 | 4,148 |
| Additional noninterest expense | $1,347,000 | 3,381 |
| Pre-tax net operating income | $1,696,000 | 4,037 |
| Securities gains (losses) | $208,000 | 658 |
| Applicable income taxes | $780,000 | 2,938 |
| Income before extraordinary items | $1,124,000 | 4,174 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,124,000 | 4,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,422 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $990,880 | 4,632 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,036,000 | 3,716 |
| Total interest expense | $3,496,000 | 3,456 |
| Net interest income | $4,540,000 | 3,896 |
| Provision for loan and lease losses | $185,000 | 3,163 |
| Total noninterest income | $213,000 | 8,516 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $134,000 | 7,250 |
| Trading account gains and fees | $-319,000 | 4,913 |
| Additional Noninterest Income | $398,000 | 3,419 |
| Total noninterest expense | $3,391,000 | 3,952 |
| Salaries and employee benefits | $1,884,000 | 3,466 |
| Premises and equipment expense | $389,000 | 4,698 |
| Additional noninterest expense | $1,118,000 | 4,307 |
| Pre-tax net operating income | $1,177,000 | 5,308 |
| Securities gains (losses) | $-87,000 | 11,438 |
| Applicable income taxes | $280,000 | 6,120 |
| Income before extraordinary items | $810,000 | 5,319 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $810,000 | 5,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,047 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $874,380 | 5,074 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,784,000 | 4,440 |
| Total interest expense | $2,755,000 | 4,441 |
| Net interest income | $4,029,000 | 4,369 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $302,000 | 7,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 10,018 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $251,000 | 4,995 |
| Total noninterest expense | $3,028,000 | 4,470 |
| Salaries and employee benefits | $1,669,000 | 3,879 |
| Premises and equipment expense | $448,000 | 4,284 |
| Additional noninterest expense | $911,000 | 5,316 |
| Pre-tax net operating income | $1,053,000 | 5,674 |
| Securities gains (losses) | $67,000 | 3,024 |
| Applicable income taxes | $455,000 | 4,553 |
| Income before extraordinary items | $665,000 | 6,320 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $665,000 | 6,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,933 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $622,120 | 6,370 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,167,000 | 4,734 |
| Total interest expense | $3,310,000 | 4,768 |
| Net interest income | $3,857,000 | 4,602 |
| Provision for loan and lease losses | $575,000 | 2,705 |
| Total noninterest income | $318,000 | 7,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $304,000 | 4,389 |
| Total noninterest expense | $3,102,000 | 4,385 |
| Salaries and employee benefits | $1,533,000 | 4,144 |
| Premises and equipment expense | $362,000 | 5,215 |
| Additional noninterest expense | $1,207,000 | 4,316 |
| Pre-tax net operating income | $498,000 | 8,422 |
| Securities gains (losses) | $439,000 | 1,193 |
| Applicable income taxes | $380,000 | 4,989 |
| Income before extraordinary items | $557,000 | 6,871 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $557,000 | 6,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 4,142 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $276,040 | 9,240 |
* 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.