Home > Centennial National Bank > Income and Expense
Centennial National Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $663,000 | 7,065 |
| Total interest expense | $285,000 | 6,492 |
| Net interest income | $378,000 | 7,300 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $69,000 | 6,367 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,000 | 7,586 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $67,000 | 4,504 |
| Total noninterest expense | $431,000 | 6,588 |
| Salaries and employee benefits | $231,000 | 6,638 |
| Premises and equipment expense | $25,000 | 7,853 |
| Additional noninterest expense | $175,000 | 5,592 |
| Pre-tax net operating income | $16,000 | 8,067 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $16,000 | 8,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $16,000 | 8,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 1,214 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $16,000 | 8,035 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,594,000 | 7,803 |
| Total interest expense | $550,000 | 7,480 |
| Net interest income | $1,044,000 | 7,877 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $153,000 | 7,463 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $7,000 | 7,635 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $146,000 | 5,778 |
| Total noninterest expense | $1,381,000 | 7,084 |
| Salaries and employee benefits | $615,000 | 7,577 |
| Premises and equipment expense | $63,000 | 8,304 |
| Additional noninterest expense | $703,000 | 5,576 |
| Pre-tax net operating income | $-184,000 | 8,375 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $224,000 | 4,513 |
| Income before extraordinary items | $-408,000 | 8,516 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-408,000 | 8,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,297 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-408,000 | 8,498 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $934,000 | 8,166 |
| Total interest expense | $307,000 | 7,853 |
| Net interest income | $627,000 | 8,211 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $105,000 | 7,616 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,706 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $101,000 | 5,925 |
| Total noninterest expense | $741,000 | 7,749 |
| Salaries and employee benefits | $339,000 | 8,032 |
| Premises and equipment expense | $38,000 | 8,464 |
| Additional noninterest expense | $364,000 | 6,631 |
| Pre-tax net operating income | $-9,000 | 8,344 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $224,000 | 4,253 |
| Income before extraordinary items | $-233,000 | 8,535 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-233,000 | 8,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 1,760 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-233,000 | 8,506 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $296,000 | 8,648 |
| Total interest expense | $100,000 | 8,442 |
| Net interest income | $196,000 | 8,670 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $43,000 | 8,121 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,000 | 7,732 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $41,000 | 6,734 |
| Total noninterest expense | $310,000 | 8,365 |
| Salaries and employee benefits | $120,000 | 8,638 |
| Premises and equipment expense | $14,000 | 8,690 |
| Additional noninterest expense | $180,000 | 7,295 |
| Pre-tax net operating income | $-71,000 | 8,451 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $210,000 | 3,706 |
| Income before extraordinary items | $-281,000 | 8,628 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-281,000 | 8,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,830 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-281,000 | 8,603 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $579,000 | 7,181 |
| Total interest expense | $189,000 | 6,688 |
| Net interest income | $390,000 | 7,310 |
| Provision for loan and lease losses | $82,000 | 2,374 |
| Total noninterest income | $116,000 | 5,357 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,504 |
| Total noninterest expense | $432,000 | 6,557 |
| Salaries and employee benefits | $218,000 | 6,774 |
| Premises and equipment expense | $25,000 | 7,927 |
| Additional noninterest expense | $189,000 | 5,293 |
| Pre-tax net operating income | $-8,000 | 8,467 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-8,000 | 8,489 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-8,000 | 8,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-8,000 | 8,463 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,463,000 | 6,923 |
| Total interest expense | $823,000 | 6,184 |
| Net interest income | $1,640,000 | 7,130 |
| Provision for loan and lease losses | $208,000 | 3,622 |
| Total noninterest income | $253,000 | 6,749 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $13,000 | 7,746 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $240,000 | 4,720 |
| Total noninterest expense | $1,994,000 | 6,014 |
| Salaries and employee benefits | $828,000 | 6,838 |
| Premises and equipment expense | $78,000 | 8,237 |
| Additional noninterest expense | $1,088,000 | 4,052 |
| Pre-tax net operating income | $-309,000 | 8,584 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-80,000 | 8,710 |
| Income before extraordinary items | $-229,000 | 8,600 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-229,000 | 8,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,290 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-229,000 | 8,563 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,876,000 | 6,902 |
| Total interest expense | $628,000 | 6,137 |
| Net interest income | $1,248,000 | 7,113 |
| Provision for loan and lease losses | $126,000 | 3,901 |
| Total noninterest income | $188,000 | 6,794 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $9,000 | 7,795 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $179,000 | 4,730 |
| Total noninterest expense | $1,377,000 | 6,258 |
| Salaries and employee benefits | $601,000 | 6,894 |
| Premises and equipment expense | $57,000 | 8,268 |
| Additional noninterest expense | $719,000 | 4,429 |
| Pre-tax net operating income | $-67,000 | 8,571 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-25,000 | 8,777 |
| Income before extraordinary items | $-42,000 | 8,572 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-42,000 | 8,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 4,073 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-42,000 | 8,542 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 6,951 |
| Total interest expense | $430,000 | 6,076 |
| Net interest income | $813,000 | 7,187 |
| Provision for loan and lease losses | $101,000 | 3,440 |
| Total noninterest income | $127,000 | 6,797 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $6,000 | 7,847 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $121,000 | 4,767 |
| Total noninterest expense | $801,000 | 6,712 |
| Salaries and employee benefits | $381,000 | 7,070 |
| Premises and equipment expense | $38,000 | 8,310 |
| Additional noninterest expense | $382,000 | 5,225 |
| Pre-tax net operating income | $38,000 | 8,306 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $14,000 | 6,499 |
| Income before extraordinary items | $24,000 | 8,425 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $24,000 | 8,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,344 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $24,000 | 8,362 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $664,000 | 6,840 |
| Total interest expense | $227,000 | 5,978 |
| Net interest income | $437,000 | 7,058 |
| Provision for loan and lease losses | $57,000 | 3,144 |
| Total noninterest income | $56,000 | 7,006 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,000 | 7,856 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $53,000 | 5,009 |
| Total noninterest expense | $382,000 | 6,883 |
| Salaries and employee benefits | $173,000 | 7,370 |
| Premises and equipment expense | $20,000 | 8,263 |
| Additional noninterest expense | $189,000 | 5,269 |
| Pre-tax net operating income | $54,000 | 7,867 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $30,000 | 5,394 |
| Income before extraordinary items | $24,000 | 8,256 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $24,000 | 8,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $24,000 | 8,188 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,867,000 | 6,675 |
| Total interest expense | $1,002,000 | 6,119 |
| Net interest income | $1,865,000 | 6,795 |
| Provision for loan and lease losses | $723,000 | 1,583 |
| Total noninterest income | $430,000 | 5,805 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $146,000 | 5,917 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $284,000 | 4,614 |
| Total noninterest expense | $1,475,000 | 6,935 |
| Salaries and employee benefits | $770,000 | 7,034 |
| Premises and equipment expense | $70,000 | 8,492 |
| Additional noninterest expense | $635,000 | 5,801 |
| Pre-tax net operating income | $97,000 | 8,215 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $30,000 | 6,608 |
| Income before extraordinary items | $67,000 | 8,395 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $67,000 | 8,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $529,000 | 1,544 |
| Cash dividends | $556,000 | 3,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $67,000 | 8,291 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,167,000 | 6,727 |
| Total interest expense | $760,000 | 6,219 |
| Net interest income | $1,407,000 | 6,820 |
| Provision for loan and lease losses | $409,000 | 1,990 |
| Total noninterest income | $349,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $100,000 | 6,127 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $249,000 | 4,386 |
| Total noninterest expense | $1,071,000 | 7,025 |
| Salaries and employee benefits | $573,000 | 7,038 |
| Premises and equipment expense | $52,000 | 8,528 |
| Additional noninterest expense | $446,000 | 6,010 |
| Pre-tax net operating income | $276,000 | 7,299 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $114,000 | 5,428 |
| Income before extraordinary items | $162,000 | 7,825 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $162,000 | 7,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 1,628 |
| Cash dividends | $400,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $162,000 | 7,676 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,424,000 | 6,820 |
| Total interest expense | $513,000 | 6,314 |
| Net interest income | $911,000 | 6,911 |
| Provision for loan and lease losses | $363,000 | 1,528 |
| Total noninterest income | $225,000 | 5,736 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $66,000 | 6,137 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $159,000 | 4,470 |
| Total noninterest expense | $715,000 | 7,033 |
| Salaries and employee benefits | $394,000 | 6,979 |
| Premises and equipment expense | $33,000 | 8,592 |
| Additional noninterest expense | $288,000 | 6,104 |
| Pre-tax net operating income | $58,000 | 8,316 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $24,000 | 6,488 |
| Income before extraordinary items | $34,000 | 8,549 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $34,000 | 8,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,181 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $34,000 | 8,426 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $711,000 | 6,866 |
| Total interest expense | $261,000 | 6,366 |
| Net interest income | $450,000 | 6,960 |
| Provision for loan and lease losses | $116,000 | 2,144 |
| Total noninterest income | $122,000 | 5,426 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $29,000 | 6,311 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $93,000 | 4,068 |
| Total noninterest expense | $373,000 | 6,929 |
| Salaries and employee benefits | $209,000 | 6,853 |
| Premises and equipment expense | $16,000 | 8,615 |
| Additional noninterest expense | $148,000 | 5,988 |
| Pre-tax net operating income | $83,000 | 7,472 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $72,000 | 4,550 |
| Income before extraordinary items | $11,000 | 8,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $11,000 | 8,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 1,520 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $11,000 | 8,505 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,165,000 | 6,680 |
| Total interest expense | $1,321,000 | 6,118 |
| Net interest income | $1,844,000 | 6,873 |
| Provision for loan and lease losses | $217,000 | 4,198 |
| Total noninterest income | $342,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $10,000 | 8,083 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $332,000 | 4,044 |
| Total noninterest expense | $1,293,000 | 7,267 |
| Salaries and employee benefits | $602,000 | 7,701 |
| Premises and equipment expense | $66,000 | 8,657 |
| Additional noninterest expense | $625,000 | 5,790 |
| Pre-tax net operating income | $676,000 | 6,169 |
| Securities gains (losses) | $-4,000 | 8,797 |
| Applicable income taxes | $271,000 | 4,611 |
| Income before extraordinary items | $401,000 | 6,842 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $401,000 | 6,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,950 |
| Cash dividends | $82,000 | 5,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $403,560 | 6,696 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,630,000 | 6,658 |
| Total interest expense | $2,152,000 | 5,876 |
| Net interest income | $1,478,000 | 7,377 |
| Provision for loan and lease losses | $96,000 | 5,687 |
| Total noninterest income | $262,000 | 6,745 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $10,000 | 8,248 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $252,000 | 4,478 |
| Total noninterest expense | $1,182,000 | 7,500 |
| Salaries and employee benefits | $535,000 | 8,004 |
| Premises and equipment expense | $65,000 | 8,882 |
| Additional noninterest expense | $582,000 | 5,958 |
| Pre-tax net operating income | $462,000 | 6,710 |
| Securities gains (losses) | $43,000 | 2,496 |
| Applicable income taxes | $225,000 | 4,804 |
| Income before extraordinary items | $280,000 | 7,251 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $280,000 | 7,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,706 |
| Cash dividends | $53,000 | 6,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $252,480 | 7,314 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,292,000 | 7,119 |
| Total interest expense | $2,081,000 | 6,153 |
| Net interest income | $1,211,000 | 8,048 |
| Provision for loan and lease losses | $96,000 | 5,401 |
| Total noninterest income | $222,000 | 7,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 8,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $218,000 | 4,596 |
| Total noninterest expense | $1,001,000 | 8,015 |
| Salaries and employee benefits | $480,000 | 8,347 |
| Premises and equipment expense | $135,000 | 7,833 |
| Additional noninterest expense | $386,000 | 7,265 |
| Pre-tax net operating income | $336,000 | 7,753 |
| Securities gains (losses) | $-118,000 | 9,463 |
| Applicable income taxes | $107,000 | 6,431 |
| Income before extraordinary items | $111,000 | 8,636 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $111,000 | 8,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,939 |
| Cash dividends | $225,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $502,000 | 535 |
| Net operating income | $186,520 | 8,159 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,609,000 | 8,926 |
| Total interest expense | $983,000 | 8,215 |
| Net interest income | $626,000 | 9,460 |
| Provision for loan and lease losses | $32,000 | 7,174 |
| Total noninterest income | $123,000 | 8,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,153 |
| Total noninterest expense | $567,000 | 9,424 |
| Salaries and employee benefits | $319,000 | 9,361 |
| Premises and equipment expense | $66,000 | 9,315 |
| Additional noninterest expense | $182,000 | 9,212 |
| Pre-tax net operating income | $150,000 | 8,807 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $45,000 | 7,725 |
| Income before extraordinary items | $111,000 | 8,887 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $111,000 | 8,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $21,000 | 6,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $106,740 | 8,892 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,411,000 | 8,195 |
| Total interest expense | $1,554,000 | 7,081 |
| Net interest income | $857,000 | 9,117 |
| Provision for loan and lease losses | $118,000 | 4,801 |
| Total noninterest income | $155,000 | 8,158 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,630 |
| Total noninterest expense | $776,000 | 8,853 |
| Salaries and employee benefits | $362,000 | 9,210 |
| Premises and equipment expense | $48,000 | 9,864 |
| Additional noninterest expense | $366,000 | 7,510 |
| Pre-tax net operating income | $118,000 | 9,331 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $57,000 | 8,208 |
| Income before extraordinary items | $75,000 | 9,493 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $75,000 | 9,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,715 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $66,040 | 9,467 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,103,000 | 10,196 |
| Total interest expense | $655,000 | 9,675 |
| Net interest income | $448,000 | 10,485 |
| Provision for loan and lease losses | $16,000 | 8,073 |
| Total noninterest income | $20,000 | 10,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,453 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $359,000 | 10,574 |
| Salaries and employee benefits | $180,000 | 10,622 |
| Premises and equipment expense | $24,000 | 10,708 |
| Additional noninterest expense | $155,000 | 9,934 |
| Pre-tax net operating income | $93,000 | 10,094 |
| Securities gains (losses) | $-8,000 | 9,909 |
| Applicable income taxes | $32,000 | 9,533 |
| Income before extraordinary items | $53,000 | 10,223 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $53,000 | 10,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $50,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $3,300,000 | 290 |
| Net operating income | $58,120 | 10,156 |
* 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.