Home > Central Valley Bank > Income and Expense
Central Valley Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,209,000 | 3,689 |
| Total interest expense | $2,457,000 | 3,865 |
| Net interest income | $5,752,000 | 3,550 |
| Provision for loan and lease losses | $715,000 | 1,391 |
| Total noninterest income | $855,000 | 3,897 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $441,000 | 3,328 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $414,000 | 3,725 |
| Total noninterest expense | $3,376,000 | 4,413 |
| Salaries and employee benefits | $1,627,000 | 4,799 |
| Premises and equipment expense | $350,000 | 5,289 |
| Additional noninterest expense | $1,399,000 | 3,412 |
| Pre-tax net operating income | $2,516,000 | 3,151 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $887,000 | 2,431 |
| Income before extraordinary items | $1,629,000 | 3,590 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,629,000 | 3,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $574,000 | 1,039 |
| Cash dividends | $1,600,000 | 1,738 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,629,000 | 3,565 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,201,000 | 3,604 |
| Total interest expense | $1,738,000 | 3,898 |
| Net interest income | $4,463,000 | 3,441 |
| Provision for loan and lease losses | $612,000 | 1,184 |
| Total noninterest income | $624,000 | 3,977 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $322,000 | 3,401 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $302,000 | 3,780 |
| Total noninterest expense | $2,465,000 | 4,464 |
| Salaries and employee benefits | $1,205,000 | 4,814 |
| Premises and equipment expense | $264,000 | 5,247 |
| Additional noninterest expense | $996,000 | 3,511 |
| Pre-tax net operating income | $2,010,000 | 3,045 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $708,000 | 2,379 |
| Income before extraordinary items | $1,302,000 | 3,479 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,302,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 836 |
| Cash dividends | $1,200,000 | 1,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,302,000 | 3,436 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,186,000 | 3,496 |
| Total interest expense | $1,113,000 | 3,835 |
| Net interest income | $3,073,000 | 3,340 |
| Provision for loan and lease losses | $466,000 | 1,036 |
| Total noninterest income | $399,000 | 4,056 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $210,000 | 3,396 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $189,000 | 3,861 |
| Total noninterest expense | $1,624,000 | 4,491 |
| Salaries and employee benefits | $778,000 | 4,902 |
| Premises and equipment expense | $176,000 | 5,238 |
| Additional noninterest expense | $670,000 | 3,473 |
| Pre-tax net operating income | $1,382,000 | 2,928 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $487,000 | 2,309 |
| Income before extraordinary items | $895,000 | 3,376 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $895,000 | 3,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 706 |
| Cash dividends | $800,000 | 1,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $895,000 | 3,319 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,101,000 | 3,457 |
| Total interest expense | $542,000 | 3,795 |
| Net interest income | $1,559,000 | 3,304 |
| Provision for loan and lease losses | $256,000 | 903 |
| Total noninterest income | $183,000 | 4,212 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $97,000 | 3,512 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $86,000 | 4,035 |
| Total noninterest expense | $773,000 | 4,663 |
| Salaries and employee benefits | $353,000 | 5,264 |
| Premises and equipment expense | $92,000 | 5,144 |
| Additional noninterest expense | $328,000 | 3,543 |
| Pre-tax net operating income | $713,000 | 2,811 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $254,000 | 2,249 |
| Income before extraordinary items | $459,000 | 3,260 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $459,000 | 3,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 705 |
| Cash dividends | $400,000 | 1,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $459,000 | 3,220 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,991,000 | 3,419 |
| Total interest expense | $2,249,000 | 3,310 |
| Net interest income | $5,742,000 | 3,403 |
| Provision for loan and lease losses | $1,018,000 | 1,019 |
| Total noninterest income | $826,000 | 3,962 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $439,000 | 3,432 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $387,000 | 3,777 |
| Total noninterest expense | $3,095,000 | 4,563 |
| Salaries and employee benefits | $1,557,000 | 4,812 |
| Premises and equipment expense | $322,000 | 5,476 |
| Additional noninterest expense | $1,216,000 | 3,699 |
| Pre-tax net operating income | $2,455,000 | 3,048 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $874,000 | 2,380 |
| Income before extraordinary items | $1,584,000 | 3,498 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,584,000 | 3,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $952,000 | 816 |
| Cash dividends | $1,599,000 | 1,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,582,080 | 3,424 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,011,000 | 3,384 |
| Total interest expense | $1,701,000 | 3,241 |
| Net interest income | $4,310,000 | 3,391 |
| Provision for loan and lease losses | $821,000 | 937 |
| Total noninterest income | $606,000 | 4,049 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $324,000 | 3,480 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $282,000 | 3,848 |
| Total noninterest expense | $2,309,000 | 4,547 |
| Salaries and employee benefits | $1,139,000 | 4,853 |
| Premises and equipment expense | $245,000 | 5,405 |
| Additional noninterest expense | $925,000 | 3,631 |
| Pre-tax net operating income | $1,786,000 | 3,172 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $637,000 | 2,467 |
| Income before extraordinary items | $1,152,000 | 3,642 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,152,000 | 3,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $724,000 | 718 |
| Cash dividends | $1,200,000 | 1,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,150,080 | 3,579 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,009,000 | 3,378 |
| Total interest expense | $1,144,000 | 3,199 |
| Net interest income | $2,865,000 | 3,390 |
| Provision for loan and lease losses | $636,000 | 797 |
| Total noninterest income | $388,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $210,000 | 3,523 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $178,000 | 3,993 |
| Total noninterest expense | $1,572,000 | 4,512 |
| Salaries and employee benefits | $795,000 | 4,749 |
| Premises and equipment expense | $163,000 | 5,430 |
| Additional noninterest expense | $614,000 | 3,681 |
| Pre-tax net operating income | $1,045,000 | 3,432 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $372,000 | 2,688 |
| Income before extraordinary items | $673,000 | 3,948 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $673,000 | 3,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $576,000 | 629 |
| Cash dividends | $800,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $673,000 | 3,865 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,079,000 | 3,284 |
| Total interest expense | $571,000 | 3,242 |
| Net interest income | $1,508,000 | 3,243 |
| Provision for loan and lease losses | $153,000 | 1,395 |
| Total noninterest income | $179,000 | 4,333 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $95,000 | 3,703 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $84,000 | 4,069 |
| Total noninterest expense | $797,000 | 4,494 |
| Salaries and employee benefits | $394,000 | 4,796 |
| Premises and equipment expense | $83,000 | 5,402 |
| Additional noninterest expense | $320,000 | 3,547 |
| Pre-tax net operating income | $737,000 | 2,600 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $264,000 | 2,112 |
| Income before extraordinary items | $473,000 | 3,068 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $473,000 | 3,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 774 |
| Cash dividends | $400,000 | 1,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $473,000 | 2,957 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,503,000 | 3,259 |
| Total interest expense | $2,515,000 | 3,317 |
| Net interest income | $5,988,000 | 3,195 |
| Provision for loan and lease losses | $779,000 | 1,499 |
| Total noninterest income | $888,000 | 3,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $888,000 | 2,564 |
| Total noninterest expense | $3,035,000 | 4,576 |
| Salaries and employee benefits | $1,588,000 | 4,662 |
| Premises and equipment expense | $663,000 | 3,227 |
| Additional noninterest expense | $784,000 | 5,125 |
| Pre-tax net operating income | $3,062,000 | 2,461 |
| Securities gains (losses) | $32,000 | 2,881 |
| Applicable income taxes | $1,118,000 | 2,030 |
| Income before extraordinary items | $1,976,000 | 2,893 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,976,000 | 2,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $668,000 | 1,269 |
| Cash dividends | $1,450,000 | 1,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,955,520 | 2,786 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,253,000 | 3,370 |
| Total interest expense | $1,936,000 | 3,359 |
| Net interest income | $4,317,000 | 3,313 |
| Provision for loan and lease losses | $544,000 | 1,548 |
| Total noninterest income | $678,000 | 4,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $678,000 | 2,620 |
| Total noninterest expense | $2,226,000 | 4,618 |
| Salaries and employee benefits | $1,135,000 | 4,811 |
| Premises and equipment expense | $503,000 | 3,207 |
| Additional noninterest expense | $588,000 | 5,086 |
| Pre-tax net operating income | $2,225,000 | 2,621 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $802,000 | 2,202 |
| Income before extraordinary items | $1,423,000 | 3,087 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,423,000 | 3,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $443,000 | 1,291 |
| Cash dividends | $1,100,000 | 1,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,423,000 | 2,933 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,153,000 | 3,404 |
| Total interest expense | $1,331,000 | 3,377 |
| Net interest income | $2,822,000 | 3,352 |
| Provision for loan and lease losses | $357,000 | 1,564 |
| Total noninterest income | $453,000 | 3,965 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $453,000 | 2,597 |
| Total noninterest expense | $1,476,000 | 4,647 |
| Salaries and employee benefits | $762,000 | 4,799 |
| Premises and equipment expense | $333,000 | 3,215 |
| Additional noninterest expense | $381,000 | 5,183 |
| Pre-tax net operating income | $1,442,000 | 2,680 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $519,000 | 2,261 |
| Income before extraordinary items | $923,000 | 3,152 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $923,000 | 3,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 1,165 |
| Cash dividends | $700,000 | 1,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $923,000 | 2,987 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 3,329 |
| Total interest expense | $669,000 | 3,438 |
| Net interest income | $1,475,000 | 3,220 |
| Provision for loan and lease losses | $221,000 | 1,268 |
| Total noninterest income | $212,000 | 4,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $212,000 | 2,624 |
| Total noninterest expense | $737,000 | 4,635 |
| Salaries and employee benefits | $363,000 | 4,955 |
| Premises and equipment expense | $172,000 | 3,124 |
| Additional noninterest expense | $202,000 | 4,939 |
| Pre-tax net operating income | $729,000 | 2,655 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $264,000 | 2,242 |
| Income before extraordinary items | $465,000 | 3,113 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $465,000 | 3,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 786 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $465,000 | 2,951 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,136,000 | 3,263 |
| Total interest expense | $3,174,000 | 3,379 |
| Net interest income | $5,962,000 | 3,152 |
| Provision for loan and lease losses | $877,000 | 1,515 |
| Total noninterest income | $867,000 | 3,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $867,000 | 2,377 |
| Total noninterest expense | $2,804,000 | 4,679 |
| Salaries and employee benefits | $1,338,000 | 5,100 |
| Premises and equipment expense | $716,000 | 2,945 |
| Additional noninterest expense | $750,000 | 5,159 |
| Pre-tax net operating income | $3,148,000 | 2,396 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,141,000 | 2,004 |
| Income before extraordinary items | $2,007,000 | 2,797 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,007,000 | 2,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $591,000 | 1,456 |
| Cash dividends | $1,800,000 | 1,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,007,000 | 2,707 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,539,000 | 3,798 |
| Total interest expense | $4,033,000 | 3,773 |
| Net interest income | $4,506,000 | 3,763 |
| Provision for loan and lease losses | $265,000 | 3,485 |
| Total noninterest income | $764,000 | 3,988 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $764,000 | 2,456 |
| Total noninterest expense | $3,137,000 | 4,189 |
| Salaries and employee benefits | $1,279,000 | 5,090 |
| Premises and equipment expense | $725,000 | 2,868 |
| Additional noninterest expense | $1,133,000 | 3,682 |
| Pre-tax net operating income | $1,868,000 | 3,335 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $666,000 | 2,764 |
| Income before extraordinary items | $1,202,000 | 3,805 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,202,000 | 3,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,426 |
| Cash dividends | $1,675,000 | 1,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,202,000 | 3,683 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,601,000 | 4,289 |
| Total interest expense | $3,753,000 | 4,174 |
| Net interest income | $3,848,000 | 4,306 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $682,000 | 4,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $682,000 | 2,407 |
| Total noninterest expense | $2,905,000 | 4,339 |
| Salaries and employee benefits | $1,152,000 | 5,378 |
| Premises and equipment expense | $666,000 | 3,004 |
| Additional noninterest expense | $1,087,000 | 3,730 |
| Pre-tax net operating income | $1,445,000 | 4,170 |
| Securities gains (losses) | $-16,000 | 8,617 |
| Applicable income taxes | $459,000 | 3,682 |
| Income before extraordinary items | $970,000 | 4,473 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $970,000 | 4,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,089 |
| Cash dividends | $600,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $980,880 | 4,438 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,665,000 | 4,585 |
| Total interest expense | $3,254,000 | 4,308 |
| Net interest income | $3,411,000 | 4,729 |
| Provision for loan and lease losses | $335,000 | 2,438 |
| Total noninterest income | $582,000 | 4,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $582,000 | 2,684 |
| Total noninterest expense | $2,691,000 | 4,610 |
| Salaries and employee benefits | $1,133,000 | 5,389 |
| Premises and equipment expense | $482,000 | 3,888 |
| Additional noninterest expense | $1,076,000 | 3,778 |
| Pre-tax net operating income | $967,000 | 5,410 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $351,000 | 4,459 |
| Income before extraordinary items | $622,000 | 5,790 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $622,000 | 5,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,154 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $618,160 | 5,786 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,024,000 | 4,383 |
| Total interest expense | $3,143,000 | 4,549 |
| Net interest income | $3,881,000 | 4,228 |
| Provision for loan and lease losses | $132,000 | 4,434 |
| Total noninterest income | $607,000 | 4,353 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $607,000 | 2,631 |
| Total noninterest expense | $2,736,000 | 4,464 |
| Salaries and employee benefits | $1,237,000 | 4,960 |
| Premises and equipment expense | $468,000 | 3,890 |
| Additional noninterest expense | $1,031,000 | 3,860 |
| Pre-tax net operating income | $1,620,000 | 3,949 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $595,000 | 3,428 |
| Income before extraordinary items | $1,025,000 | 4,427 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,025,000 | 4,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,633 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,025,000 | 4,332 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,473,000 | 4,793 |
| Total interest expense | $2,844,000 | 4,934 |
| Net interest income | $3,629,000 | 4,595 |
| Provision for loan and lease losses | $80,000 | 5,644 |
| Total noninterest income | $383,000 | 5,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $383,000 | 3,375 |
| Total noninterest expense | $2,615,000 | 4,608 |
| Salaries and employee benefits | $1,144,000 | 5,297 |
| Premises and equipment expense | $506,000 | 3,665 |
| Additional noninterest expense | $965,000 | 4,037 |
| Pre-tax net operating income | $1,317,000 | 4,916 |
| Securities gains (losses) | $-8,000 | 9,909 |
| Applicable income taxes | $485,000 | 4,301 |
| Income before extraordinary items | $824,000 | 5,362 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $824,000 | 5,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $829,120 | 5,287 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,072,000 | 5,873 |
| Total interest expense | $2,121,000 | 6,181 |
| Net interest income | $2,951,000 | 5,503 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $263,000 | 7,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $263,000 | 4,407 |
| Total noninterest expense | $2,282,000 | 5,378 |
| Salaries and employee benefits | $849,000 | 6,721 |
| Premises and equipment expense | $343,000 | 5,078 |
| Additional noninterest expense | $1,090,000 | 4,088 |
| Pre-tax net operating income | $872,000 | 6,192 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $325,000 | 5,565 |
| Income before extraordinary items | $547,000 | 6,572 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $547,000 | 6,575 |
| 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 | $5,000,000 | 146 |
| Net operating income | $547,000 | 6,510 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,901,000 | 8,358 |
| Total interest expense | $1,184,000 | 8,635 |
| Net interest income | $1,717,000 | 7,972 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $107,000 | 10,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $107,000 | 7,021 |
| Total noninterest expense | $1,287,000 | 7,901 |
| Salaries and employee benefits | $450,000 | 9,537 |
| Premises and equipment expense | $176,000 | 7,691 |
| Additional noninterest expense | $661,000 | 6,113 |
| Pre-tax net operating income | $513,000 | 8,364 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $177,000 | 7,810 |
| Income before extraordinary items | $336,000 | 8,602 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $336,000 | 8,606 |
| 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 | NA | NA |
| Net operating income | $336,000 | 8,575 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $816,000 | 12,044 |
| Total interest expense | $529,000 | 10,968 |
| Net interest income | $287,000 | 12,419 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $35,000 | 12,197 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $608,000 | 11,083 |
| Salaries and employee benefits | $168,000 | 12,267 |
| Premises and equipment expense | $130,000 | 9,091 |
| Additional noninterest expense | $310,000 | 9,844 |
| Pre-tax net operating income | $-286,000 | 12,304 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-97,000 | 12,293 |
| Income before extraordinary items | $-189,000 | 12,219 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-189,000 | 12,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $5,230,000 | 162 |
| Net operating income | $-189,000 | 12,247 |
* 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.