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Central Bank, Income and Expense
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $53,355,000 | 665 |
| Total interest expense | $25,788,000 | 650 |
| Net interest income | $27,567,000 | 655 |
| Provision for loan and lease losses | $900,000 | 1,074 |
| Total noninterest income | $6,931,000 | 736 |
| Gross Fiduciary activities income | $482,000 | 670 |
| Service charges on deposit accounts | $2,111,000 | 611 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $4,338,000 | 679 |
| Total noninterest expense | $18,080,000 | 802 |
| Salaries and employee benefits | $8,902,000 | 774 |
| Premises and equipment expense | $2,510,000 | 806 |
| Additional noninterest expense | $6,668,000 | 782 |
| Pre-tax net operating income | $15,518,000 | 560 |
| Securities gains (losses) | $127,000 | 882 |
| Applicable income taxes | $5,187,000 | 593 |
| Income before extraordinary items | $10,458,000 | 579 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $10,458,000 | 579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,020,000 | 798 |
| Cash dividends | $7,700,000 | 451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $10,372,910 | 563 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $48,853,000 | 749 |
| Total interest expense | $22,306,000 | 774 |
| Net interest income | $26,547,000 | 713 |
| Provision for loan and lease losses | $1,080,000 | 966 |
| Total noninterest income | $5,103,000 | 938 |
| Gross Fiduciary activities income | $458,000 | 730 |
| Service charges on deposit accounts | $1,865,000 | 714 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,780,000 | 930 |
| Total noninterest expense | $15,619,000 | 972 |
| Salaries and employee benefits | $7,910,000 | 865 |
| Premises and equipment expense | $2,595,000 | 834 |
| Additional noninterest expense | $5,114,000 | 1,114 |
| Pre-tax net operating income | $14,951,000 | 564 |
| Securities gains (losses) | $84,000 | 1,039 |
| Applicable income taxes | $4,933,000 | 595 |
| Income before extraordinary items | $10,102,000 | 572 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $10,102,000 | 573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $577,000 | 1,274 |
| Cash dividends | $8,200,000 | 486 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $10,045,720 | 563 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $45,974,000 | 812 |
| Total interest expense | $19,862,000 | 890 |
| Net interest income | $26,112,000 | 751 |
| Provision for loan and lease losses | $960,000 | 975 |
| Total noninterest income | $5,281,000 | 923 |
| Gross Fiduciary activities income | $488,000 | 748 |
| Service charges on deposit accounts | $1,943,000 | 698 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,850,000 | 914 |
| Total noninterest expense | $16,027,000 | 949 |
| Salaries and employee benefits | $7,979,000 | 866 |
| Premises and equipment expense | $2,539,000 | 868 |
| Additional noninterest expense | $5,509,000 | 1,039 |
| Pre-tax net operating income | $14,406,000 | 616 |
| Securities gains (losses) | $-33,000 | 10,904 |
| Applicable income taxes | $4,767,000 | 628 |
| Income before extraordinary items | $9,606,000 | 613 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $9,606,000 | 613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $867,000 | 961 |
| Cash dividends | $8,350,000 | 442 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $9,628,110 | 606 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $34,531,000 | 929 |
| Total interest expense | $12,618,000 | 1,049 |
| Net interest income | $21,913,000 | 859 |
| Provision for loan and lease losses | $1,020,000 | 908 |
| Total noninterest income | $4,366,000 | 1,012 |
| Gross Fiduciary activities income | $482,000 | 746 |
| Service charges on deposit accounts | $1,649,000 | 798 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,235,000 | 1,050 |
| Total noninterest expense | $13,604,000 | 1,104 |
| Salaries and employee benefits | $6,351,000 | 1,062 |
| Premises and equipment expense | $2,232,000 | 957 |
| Additional noninterest expense | $5,021,000 | 1,171 |
| Pre-tax net operating income | $11,655,000 | 703 |
| Securities gains (losses) | $80,000 | 880 |
| Applicable income taxes | $3,732,000 | 730 |
| Income before extraordinary items | $8,003,000 | 688 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $8,003,000 | 690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $755,000 | 1,042 |
| Cash dividends | $7,540,000 | 428 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $7,948,600 | 701 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $28,812,000 | 1,103 |
| Total interest expense | $9,903,000 | 1,354 |
| Net interest income | $18,909,000 | 969 |
| Provision for loan and lease losses | $1,220,000 | 1,142 |
| Total noninterest income | $3,881,000 | 1,192 |
| Gross Fiduciary activities income | $305,000 | 929 |
| Service charges on deposit accounts | $1,486,000 | 886 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,090,000 | 1,220 |
| Total noninterest expense | $11,798,000 | 1,303 |
| Salaries and employee benefits | $5,579,000 | 1,201 |
| Premises and equipment expense | $1,910,000 | 1,111 |
| Additional noninterest expense | $4,309,000 | 1,424 |
| Pre-tax net operating income | $9,772,000 | 747 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $3,233,000 | 797 |
| Income before extraordinary items | $6,539,000 | 799 |
| Extraordinary gains, net | $166,000 | 1,157 |
| Net income | $6,705,000 | 809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $850,000 | 1,277 |
| Cash dividends | $5,295,000 | 457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $6,539,000 | 748 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $33,588,000 | 1,081 |
| Total interest expense | $14,152,000 | 1,247 |
| Net interest income | $19,436,000 | 966 |
| Provision for loan and lease losses | $1,677,000 | 1,301 |
| Total noninterest income | $2,995,000 | 1,442 |
| Gross Fiduciary activities income | $290,000 | 975 |
| Service charges on deposit accounts | $1,496,000 | 877 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,209,000 | 1,760 |
| Total noninterest expense | $12,972,000 | 1,225 |
| Salaries and employee benefits | $6,019,000 | 1,111 |
| Premises and equipment expense | $1,900,000 | 1,166 |
| Additional noninterest expense | $5,053,000 | 1,307 |
| Pre-tax net operating income | $7,782,000 | 829 |
| Securities gains (losses) | $54,000 | 3,989 |
| Applicable income taxes | $2,155,000 | 1,052 |
| Income before extraordinary items | $5,681,000 | 844 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,681,000 | 849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,043,000 | 1,519 |
| Cash dividends | $3,835,000 | 474 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,642,120 | 772 |
* 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.