Home > Central Bank & Trust > Income and Expense

Central Bank & Trust, Income and Expense

2005-12-31 (YTD Data)		Rank
Total interest income	$3,574,000	6,135
Total interest expense	$1,052,000	6,154
Net interest income	$2,522,000	6,027
Provision for loan and lease losses	$-250,000	8,712
Total noninterest income	$727,000	4,278
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$704,000	2,340
Trading account gains and fees	$0	138
Additional Noninterest Income	$23,000	8,051
Total noninterest expense	$1,948,000	6,200
Salaries and employee benefits	$999,000	6,351
Premises and equipment expense	$120,000	7,644
Additional noninterest expense	$829,000	5,048
Pre-tax net operating income	$1,551,000	4,290
Securities gains (losses)	$-35,000	8,060
Applicable income taxes	$491,000	3,398
Income before extraordinary items	$1,025,000	4,773
Extraordinary gains, net	$0	46
Net income	$1,025,000	4,774
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-233,000	8,745
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$1,048,800	4,670
2005-09-30 (YTD Data)		Rank
Total interest income	$2,604,000	6,199
Total interest expense	$745,000	6,192
Net interest income	$1,859,000	6,095
Provision for loan and lease losses	$-301,000	8,762
Total noninterest income	$527,000	4,398
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$504,000	2,440
Trading account gains and fees	$0	126
Additional Noninterest Income	$23,000	7,869
Total noninterest expense	$1,479,000	6,128
Salaries and employee benefits	$756,000	6,327
Premises and equipment expense	$89,000	7,657
Additional noninterest expense	$634,000	4,937
Pre-tax net operating income	$1,208,000	4,292
Securities gains (losses)	$0	2,317
Applicable income taxes	$407,000	3,291
Income before extraordinary items	$801,000	4,750
Extraordinary gains, net	$0	35
Net income	$801,000	4,752
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-308,000	8,782
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$801,000	4,721
2005-06-30 (YTD Data)		Rank
Total interest income	$1,652,000	6,288
Total interest expense	$470,000	6,194
Net interest income	$1,182,000	6,233
Provision for loan and lease losses	$-357,000	8,789
Total noninterest income	$313,000	4,676
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$310,000	2,561
Trading account gains and fees	$0	116
Additional Noninterest Income	$3,000	8,558
Total noninterest expense	$960,000	6,216
Salaries and employee benefits	$492,000	6,398
Premises and equipment expense	$58,000	7,689
Additional noninterest expense	$410,000	5,005
Pre-tax net operating income	$892,000	4,013
Securities gains (losses)	$0	2,146
Applicable income taxes	$303,000	3,092
Income before extraordinary items	$589,000	4,464
Extraordinary gains, net	$0	30
Net income	$589,000	4,465
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-304,000	8,801
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$589,000	4,414
2005-03-31 (YTD Data)		Rank
Total interest income	$795,000	6,397
Total interest expense	$227,000	6,211
Net interest income	$568,000	6,376
Provision for loan and lease losses	$-333,000	8,874
Total noninterest income	$163,000	4,492
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$147,000	2,603
Trading account gains and fees	$0	115
Additional Noninterest Income	$16,000	7,179
Total noninterest expense	$474,000	6,291
Salaries and employee benefits	$236,000	6,534
Premises and equipment expense	$31,000	7,653
Additional noninterest expense	$207,000	4,958
Pre-tax net operating income	$590,000	3,263
Securities gains (losses)	$0	1,685
Applicable income taxes	$200,000	2,592
Income before extraordinary items	$390,000	3,680
Extraordinary gains, net	$0	24
Net income	$390,000	3,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-325,000	8,894
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$390,000	3,644
2004-12-31 (YTD Data)		Rank
Total interest income	$3,084,000	6,346
Total interest expense	$854,000	6,084
Net interest income	$2,230,000	6,333
Provision for loan and lease losses	$268,000	3,128
Total noninterest income	$874,000	3,841
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$759,000	2,237
Trading account gains and fees	$0	138
Additional Noninterest Income	$115,000	6,174
Total noninterest expense	$1,799,000	6,363
Salaries and employee benefits	$770,000	7,045
Premises and equipment expense	$132,000	7,558
Additional noninterest expense	$897,000	4,716
Pre-tax net operating income	$1,037,000	5,149
Securities gains (losses)	$0	3,819
Applicable income taxes	$330,000	4,031
Income before extraordinary items	$707,000	5,555
Extraordinary gains, net	$0	34
Net income	$707,000	5,556
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	2,628
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$707,000	5,484
2004-09-30 (YTD Data)		Rank
Total interest income	$2,296,000	6,372
Total interest expense	$636,000	6,097
Net interest income	$1,660,000	6,364
Provision for loan and lease losses	$218,000	2,853
Total noninterest income	$700,000	3,733
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$581,000	2,217
Trading account gains and fees	$0	134
Additional Noninterest Income	$119,000	5,588
Total noninterest expense	$1,359,000	6,302
Salaries and employee benefits	$605,000	6,876
Premises and equipment expense	$99,000	7,547
Additional noninterest expense	$655,000	4,755
Pre-tax net operating income	$783,000	5,239
Securities gains (losses)	$0	3,710
Applicable income taxes	$262,000	3,998
Income before extraordinary items	$521,000	5,718
Extraordinary gains, net	$0	26
Net income	$521,000	5,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$141,000	2,347
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$521,000	5,648
2004-06-30 (YTD Data)		Rank
Total interest income	$1,527,000	6,405
Total interest expense	$422,000	6,132
Net interest income	$1,105,000	6,387
Provision for loan and lease losses	$218,000	2,062
Total noninterest income	$415,000	4,011
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$388,000	2,203
Trading account gains and fees	$0	130
Additional Noninterest Income	$27,000	7,377
Total noninterest expense	$913,000	6,312
Salaries and employee benefits	$405,000	6,910
Premises and equipment expense	$65,000	7,603
Additional noninterest expense	$443,000	4,730
Pre-tax net operating income	$389,000	5,921
Securities gains (losses)	$0	3,413
Applicable income taxes	$129,000	4,494
Income before extraordinary items	$260,000	6,355
Extraordinary gains, net	$0	21
Net income	$260,000	6,356
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$127,000	1,867
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$260,000	6,267
2004-03-31 (YTD Data)		Rank
Total interest income	$785,000	6,337
Total interest expense	$216,000	6,137
Net interest income	$569,000	6,314
Provision for loan and lease losses	$151,000	1,407
Total noninterest income	$220,000	3,831
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$198,000	2,102
Trading account gains and fees	$0	121
Additional Noninterest Income	$22,000	6,653
Total noninterest expense	$477,000	6,203
Salaries and employee benefits	$202,000	6,950
Premises and equipment expense	$32,000	7,669
Additional noninterest expense	$243,000	4,416
Pre-tax net operating income	$161,000	6,293
Securities gains (losses)	$0	2,934
Applicable income taxes	$53,000	4,770
Income before extraordinary items	$108,000	6,727
Extraordinary gains, net	$0	16
Net income	$108,000	6,728
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	2,858
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$108,000	6,610
2003-12-31 (YTD Data)		Rank
Total interest income	$3,363,000	6,159
Total interest expense	$1,102,000	5,839
Net interest income	$2,261,000	6,243
Provision for loan and lease losses	$795,000	1,468
Total noninterest income	$883,000	3,995
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$868,000	1,977
Trading account gains and fees	$0	160
Additional Noninterest Income	$15,000	8,598
Total noninterest expense	$1,684,000	6,556
Salaries and employee benefits	$656,000	7,478
Premises and equipment expense	$132,000	7,638
Additional noninterest expense	$896,000	4,644
Pre-tax net operating income	$665,000	6,115
Securities gains (losses)	$2,000	4,163
Applicable income taxes	$184,000	5,039
Income before extraordinary items	$483,000	6,411
Extraordinary gains, net	$0	54
Net income	$483,000	6,416
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$863,000	1,029
Cash dividends	$1,196,000	2,080
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$481,560	6,260
2003-09-30 (YTD Data)		Rank
Total interest income	$2,552,000	6,194
Total interest expense	$867,000	5,837
Net interest income	$1,685,000	6,288
Provision for loan and lease losses	$690,000	1,239
Total noninterest income	$667,000	4,042
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$600,000	2,143
Trading account gains and fees	$0	153
Additional Noninterest Income	$67,000	6,769
Total noninterest expense	$1,293,000	6,460
Salaries and employee benefits	$498,000	7,399
Premises and equipment expense	$100,000	7,626
Additional noninterest expense	$695,000	4,490
Pre-tax net operating income	$369,000	6,853
Securities gains (losses)	$1,000	4,000
Applicable income taxes	$100,000	5,569
Income before extraordinary items	$270,000	7,115
Extraordinary gains, net	$0	40
Net income	$270,000	7,116
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$704,000	893
Cash dividends	$1,196,000	1,539
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$269,270	6,958
2003-06-30 (YTD Data)		Rank
Total interest income	$1,678,000	6,272
Total interest expense	$610,000	5,784
Net interest income	$1,068,000	6,438
Provision for loan and lease losses	$485,000	1,180
Total noninterest income	$442,000	4,026
Gross Fiduciary activities income	$1,000	1,488
Service charges on deposit accounts	$400,000	2,096
Trading account gains and fees	$0	150
Additional Noninterest Income	$41,000	6,905
Total noninterest expense	$855,000	6,508
Salaries and employee benefits	$332,000	7,423
Premises and equipment expense	$69,000	7,580
Additional noninterest expense	$454,000	4,567
Pre-tax net operating income	$170,000	7,457
Securities gains (losses)	$1,000	3,586
Applicable income taxes	$53,000	5,859
Income before extraordinary items	$118,000	7,771
Extraordinary gains, net	$0	30
Net income	$118,000	7,772
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$347,000	1,122
Cash dividends	$1,196,000	1,141
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$117,310	7,606
2003-03-31 (YTD Data)		Rank
Total interest income	$844,000	6,294
Total interest expense	$315,000	5,787
Net interest income	$529,000	6,475
Provision for loan and lease losses	$205,000	1,334
Total noninterest income	$216,000	3,979
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$194,000	2,070
Trading account gains and fees	$0	134
Additional Noninterest Income	$22,000	6,771
Total noninterest expense	$473,000	6,185
Salaries and employee benefits	$206,000	6,888
Premises and equipment expense	$33,000	7,707
Additional noninterest expense	$234,000	4,436
Pre-tax net operating income	$67,000	7,718
Securities gains (losses)	$0	2,891
Applicable income taxes	$20,000	6,071
Income before extraordinary items	$47,000	7,959
Extraordinary gains, net	$0	21
Net income	$47,000	7,958
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	4,384
Cash dividends	$1,196,000	603
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$47,000	7,808
2002-12-31 (YTD Data)		Rank
Total interest income	$3,993,000	5,900
Total interest expense	$1,447,000	5,844
Net interest income	$2,546,000	5,840
Provision for loan and lease losses	$175,000	4,644
Total noninterest income	$951,000	3,593
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$830,000	1,941
Trading account gains and fees	$0	153
Additional Noninterest Income	$121,000	6,044
Total noninterest expense	$2,097,000	5,716
Salaries and employee benefits	$926,000	6,422
Premises and equipment expense	$162,000	7,283
Additional noninterest expense	$1,009,000	4,146
Pre-tax net operating income	$1,225,000	4,652
Securities gains (losses)	$0	4,537
Applicable income taxes	$384,000	3,964
Income before extraordinary items	$841,000	5,063
Extraordinary gains, net	$0	70
Net income	$841,000	5,063
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$144,000	3,589
Cash dividends	$871,000	2,495
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$841,000	4,935
2001-12-31 (YTD Data)		Rank
Total interest income	$4,788,000	5,766
Total interest expense	$2,327,000	5,619
Net interest income	$2,461,000	5,763
Provision for loan and lease losses	$45,000	6,815
Total noninterest income	$850,000	3,697
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$670,000	2,233
Trading account gains and fees	$0	177
Additional Noninterest Income	$180,000	5,161
Total noninterest expense	$2,028,000	5,675
Salaries and employee benefits	$824,000	6,679
Premises and equipment expense	$221,000	6,478
Additional noninterest expense	$983,000	4,125
Pre-tax net operating income	$1,238,000	4,353
Securities gains (losses)	$231,000	1,080
Applicable income taxes	$483,000	3,381
Income before extraordinary items	$986,000	4,322
Extraordinary gains, net	$0	105
Net income	$986,000	4,323
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	4,371
Cash dividends	$382,000	3,975
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$831,230	4,656
2000-12-31 (YTD Data)		Rank
Total interest income	$4,941,000	5,779
Total interest expense	$2,469,000	5,597
Net interest income	$2,472,000	5,855
Provision for loan and lease losses	$20,000	7,595
Total noninterest income	$663,000	4,149
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$591,000	2,323
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	7,129
Total noninterest expense	$1,948,000	5,767
Salaries and employee benefits	$855,000	6,484
Premises and equipment expense	$229,000	6,328
Additional noninterest expense	$864,000	4,483
Pre-tax net operating income	$1,167,000	4,803
Securities gains (losses)	$0	1,956
Applicable income taxes	$318,000	4,468
Income before extraordinary items	$849,000	4,871
Extraordinary gains, net	$0	38
Net income	$849,000	4,870
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	4,889
Cash dividends	$1,216,000	1,961
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$849,000	4,876
1999-12-31 (YTD Data)		Rank
Total interest income	$4,404,000	6,016
Total interest expense	$1,980,000	6,040
Net interest income	$2,424,000	5,915
Provision for loan and lease losses	$180,000	3,760
Total noninterest income	$615,000	4,356
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$547,000	2,433
Trading account gains and fees	NA	NA
Additional Noninterest Income	$68,000	7,482
Total noninterest expense	$2,068,000	5,561
Salaries and employee benefits	$816,000	6,685
Premises and equipment expense	$215,000	6,570
Additional noninterest expense	$1,037,000	3,902
Pre-tax net operating income	$791,000	5,965
Securities gains (losses)	$-8,000	9,241
Applicable income taxes	$240,000	5,308
Income before extraordinary items	$543,000	6,196
Extraordinary gains, net	$0	35
Net income	$543,000	6,194
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$709,000	921
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$548,520	6,155
1998-12-31 (YTD Data)		Rank
Total interest income	$4,988,000	5,686
Total interest expense	$2,535,000	5,314
Net interest income	$2,453,000	5,917
Provision for loan and lease losses	$1,219,000	817
Total noninterest income	$737,000	3,841
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$643,000	1,996
Trading account gains and fees	NA	NA
Additional Noninterest Income	$94,000	6,772
Total noninterest expense	$2,521,000	4,752
Salaries and employee benefits	$834,000	6,539
Premises and equipment expense	$398,000	4,436
Additional noninterest expense	$1,289,000	3,161
Pre-tax net operating income	$-550,000	10,212
Securities gains (losses)	$0	4,449
Applicable income taxes	$-212,000	10,323
Income before extraordinary items	$-338,000	10,152
Extraordinary gains, net	$0	32
Net income	$-338,000	10,147
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$791,000	898
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$-338,000	10,125
1997-12-31 (YTD Data)		Rank
Total interest income	$5,334,000	5,540
Total interest expense	$2,466,000	5,471
Net interest income	$2,868,000	5,487
Provision for loan and lease losses	$473,000	1,864
Total noninterest income	$1,010,000	3,019
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$640,000	2,046
Trading account gains and fees	NA	NA
Additional Noninterest Income	$370,000	3,454
Total noninterest expense	$2,144,000	5,390
Salaries and employee benefits	$944,000	6,088
Premises and equipment expense	$335,000	5,068
Additional noninterest expense	$865,000	4,461
Pre-tax net operating income	$1,261,000	5,077
Securities gains (losses)	$0	3,944
Applicable income taxes	$469,000	4,408
Income before extraordinary items	$792,000	5,491
Extraordinary gains, net	$0	44
Net income	$792,000	5,493
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$98,000	3,872
Cash dividends	$787,000	2,599
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$792,000	5,441
1996-12-31 (YTD Data)		Rank
Total interest income	$4,756,000	6,150
Total interest expense	$2,237,000	5,974
Net interest income	$2,519,000	6,162
Provision for loan and lease losses	$160,000	3,923
Total noninterest income	$723,000	4,011
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$573,000	2,372
Trading account gains and fees	NA	NA
Additional Noninterest Income	$150,000	5,966
Total noninterest expense	$2,118,000	5,704
Salaries and employee benefits	$961,000	6,169
Premises and equipment expense	$254,000	6,196
Additional noninterest expense	$903,000	4,735
Pre-tax net operating income	$964,000	5,862
Securities gains (losses)	$0	4,148
Applicable income taxes	$313,000	5,701
Income before extraordinary items	$651,000	5,983
Extraordinary gains, net	$0	53
Net income	$651,000	5,985
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	4,641
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$651,000	5,928
1995-12-31 (YTD Data)		Rank
Total interest income	$4,124,000	6,855
Total interest expense	$1,958,000	6,565
Net interest income	$2,166,000	6,941
Provision for loan and lease losses	$105,000	4,483
Total noninterest income	$662,000	4,267
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$488,000	2,787
Trading account gains and fees	NA	NA
Additional Noninterest Income	$174,000	5,545
Total noninterest expense	$1,894,000	6,243
Salaries and employee benefits	$859,000	6,766
Premises and equipment expense	$228,000	6,692
Additional noninterest expense	$807,000	5,223
Pre-tax net operating income	$829,000	6,725
Securities gains (losses)	$-14,000	10,322
Applicable income taxes	$271,000	6,353
Income before extraordinary items	$544,000	6,939
Extraordinary gains, net	$0	65
Net income	$544,000	6,937
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-21,000	11,045
Cash dividends	$109,000	6,646
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$553,380	6,861
1994-12-31 (YTD Data)		Rank
Total interest income	$3,195,000	7,767
Total interest expense	$1,245,000	7,732
Net interest income	$1,950,000	7,684
Provision for loan and lease losses	$180,000	3,202
Total noninterest income	$692,000	4,160
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$498,000	2,757
Trading account gains and fees	NA	NA
Additional Noninterest Income	$194,000	5,373
Total noninterest expense	$1,782,000	6,746
Salaries and employee benefits	$830,000	7,047
Premises and equipment expense	$223,000	7,003
Additional noninterest expense	$729,000	6,138
Pre-tax net operating income	$680,000	7,518
Securities gains (losses)	$0	3,600
Applicable income taxes	$246,000	6,601
Income before extraordinary items	$434,000	7,854
Extraordinary gains, net	$0	249
Net income	$434,000	7,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$198,000	2,513
Cash dividends	$99,000	6,989
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$434,000	7,914
1993-12-31 (YTD Data)		Rank
Total interest income	$3,037,000	8,273
Total interest expense	$1,204,000	8,236
Net interest income	$1,833,000	8,155
Provision for loan and lease losses	$193,000	4,003
Total noninterest income	$651,000	4,669
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$478,000	2,926
Trading account gains and fees	NA	NA
Additional Noninterest Income	$173,000	6,106
Total noninterest expense	$1,798,000	6,894
Salaries and employee benefits	$776,000	7,467
Premises and equipment expense	$241,000	6,865
Additional noninterest expense	$781,000	6,038
Pre-tax net operating income	$493,000	8,703
Securities gains (losses)	$0	7,477
Applicable income taxes	$168,000	8,248
Income before extraordinary items	$325,000	9,182
Extraordinary gains, net	$0	3,149
Net income	$325,000	9,352
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$148,000	3,696
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$-30,000	13,177
Net operating income	$325,000	8,931
1992-12-31 (YTD Data)		Rank
Total interest income	$3,327,000	8,434
Total interest expense	$1,643,000	8,071
Net interest income	$1,684,000	8,702
Provision for loan and lease losses	$259,000	4,503
Total noninterest income	$760,000	4,126
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	NA	NA
Trading account gains and fees	$0	504
Additional Noninterest Income	$760,000	2,377
Total noninterest expense	$1,870,000	6,740
Salaries and employee benefits	$773,000	7,446
Premises and equipment expense	$503,000	3,953
Additional noninterest expense	$596,000	7,551
Pre-tax net operating income	$315,000	9,987
Securities gains (losses)	$0	8,369
Applicable income taxes	$108,000	9,686
Income before extraordinary items	$207,000	10,504
Extraordinary gains, net	$0	1,422
Net income	$207,000	10,645
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$285,000	3,441
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$207,000	10,163

* 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.