Home > Chemical Bank Shoreline > Income and Expense
Chemical Bank Shoreline, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $67,188,000 | 519 |
| Total interest expense | $22,669,000 | 528 |
| Net interest income | $44,519,000 | 502 |
| Provision for loan and lease losses | $1,430,000 | 749 |
| Total noninterest income | $9,202,000 | 659 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $5,753,000 | 296 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,449,000 | 910 |
| Total noninterest expense | $29,647,000 | 600 |
| Salaries and employee benefits | $14,552,000 | 623 |
| Premises and equipment expense | $4,692,000 | 523 |
| Additional noninterest expense | $10,403,000 | 540 |
| Pre-tax net operating income | $22,644,000 | 489 |
| Securities gains (losses) | $-152,000 | 8,528 |
| Applicable income taxes | $7,322,000 | 483 |
| Income before extraordinary items | $15,170,000 | 511 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $15,170,000 | 511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,134,000 | 374 |
| Cash dividends | $8,097,000 | 445 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 869 |
| Net operating income | $15,271,840 | 496 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $49,791,000 | 502 |
| Total interest expense | $16,187,000 | 522 |
| Net interest income | $33,604,000 | 487 |
| Provision for loan and lease losses | $720,000 | 1,030 |
| Total noninterest income | $6,855,000 | 664 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,275,000 | 295 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,580,000 | 936 |
| Total noninterest expense | $22,759,000 | 585 |
| Salaries and employee benefits | $11,273,000 | 600 |
| Premises and equipment expense | $3,504,000 | 527 |
| Additional noninterest expense | $7,982,000 | 528 |
| Pre-tax net operating income | $16,980,000 | 488 |
| Securities gains (losses) | $52,000 | 865 |
| Applicable income taxes | $5,550,000 | 484 |
| Income before extraordinary items | $11,482,000 | 508 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $11,482,000 | 508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,383,000 | 399 |
| Cash dividends | $6,072,000 | 411 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $11,447,160 | 495 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $32,829,000 | 496 |
| Total interest expense | $10,197,000 | 518 |
| Net interest income | $22,632,000 | 475 |
| Provision for loan and lease losses | $410,000 | 1,163 |
| Total noninterest income | $4,369,000 | 683 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $2,750,000 | 300 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,619,000 | 946 |
| Total noninterest expense | $15,087,000 | 584 |
| Salaries and employee benefits | $7,543,000 | 598 |
| Premises and equipment expense | $2,265,000 | 530 |
| Additional noninterest expense | $5,279,000 | 529 |
| Pre-tax net operating income | $11,504,000 | 474 |
| Securities gains (losses) | $49,000 | 786 |
| Applicable income taxes | $3,767,000 | 477 |
| Income before extraordinary items | $7,786,000 | 492 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,786,000 | 492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,118,000 | 335 |
| Cash dividends | $4,048,000 | 393 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $7,753,170 | 480 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $16,303,000 | 490 |
| Total interest expense | $4,837,000 | 510 |
| Net interest income | $11,466,000 | 471 |
| Provision for loan and lease losses | $205,000 | 1,112 |
| Total noninterest income | $2,068,000 | 690 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,316,000 | 295 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $752,000 | 993 |
| Total noninterest expense | $7,707,000 | 567 |
| Salaries and employee benefits | $3,780,000 | 593 |
| Premises and equipment expense | $1,141,000 | 525 |
| Additional noninterest expense | $2,786,000 | 501 |
| Pre-tax net operating income | $5,622,000 | 485 |
| Securities gains (losses) | $43,000 | 587 |
| Applicable income taxes | $1,838,000 | 490 |
| Income before extraordinary items | $3,827,000 | 501 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,827,000 | 501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 390 |
| Cash dividends | $2,023,000 | 349 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,797,760 | 484 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $62,640,000 | 469 |
| Total interest expense | $17,816,000 | 474 |
| Net interest income | $44,824,000 | 465 |
| Provision for loan and lease losses | $1,384,000 | 781 |
| Total noninterest income | $8,956,000 | 666 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $5,673,000 | 300 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,283,000 | 921 |
| Total noninterest expense | $28,514,000 | 595 |
| Salaries and employee benefits | $15,120,000 | 567 |
| Premises and equipment expense | $4,611,000 | 509 |
| Additional noninterest expense | $8,783,000 | 616 |
| Pre-tax net operating income | $23,882,000 | 435 |
| Securities gains (losses) | $276,000 | 674 |
| Applicable income taxes | $7,815,000 | 435 |
| Income before extraordinary items | $16,343,000 | 448 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $16,343,000 | 449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $834,000 | 889 |
| Cash dividends | $7,462,000 | 443 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $16,155,320 | 439 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $46,026,000 | 471 |
| Total interest expense | $13,150,000 | 469 |
| Net interest income | $32,876,000 | 467 |
| Provision for loan and lease losses | $753,000 | 1,006 |
| Total noninterest income | $6,743,000 | 670 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $4,196,000 | 311 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,547,000 | 906 |
| Total noninterest expense | $21,521,000 | 594 |
| Salaries and employee benefits | $11,894,000 | 549 |
| Premises and equipment expense | $3,404,000 | 519 |
| Additional noninterest expense | $6,223,000 | 636 |
| Pre-tax net operating income | $17,345,000 | 445 |
| Securities gains (losses) | $257,000 | 664 |
| Applicable income taxes | $5,540,000 | 445 |
| Income before extraordinary items | $12,062,000 | 448 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $12,062,000 | 448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 1,033 |
| Cash dividends | $5,400,000 | 428 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $11,884,670 | 439 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $29,513,000 | 485 |
| Total interest expense | $8,656,000 | 468 |
| Net interest income | $20,857,000 | 481 |
| Provision for loan and lease losses | $462,000 | 1,086 |
| Total noninterest income | $4,389,000 | 682 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,728,000 | 312 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,661,000 | 917 |
| Total noninterest expense | $14,356,000 | 591 |
| Salaries and employee benefits | $7,933,000 | 549 |
| Premises and equipment expense | $2,513,000 | 467 |
| Additional noninterest expense | $3,910,000 | 664 |
| Pre-tax net operating income | $10,428,000 | 471 |
| Securities gains (losses) | $257,000 | 549 |
| Applicable income taxes | $3,308,000 | 492 |
| Income before extraordinary items | $7,377,000 | 482 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,377,000 | 482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 842 |
| Cash dividends | $3,400,000 | 445 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $7,199,670 | 469 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $14,779,000 | 490 |
| Total interest expense | $4,291,000 | 483 |
| Net interest income | $10,488,000 | 494 |
| Provision for loan and lease losses | $231,000 | 1,026 |
| Total noninterest income | $2,103,000 | 695 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,336,000 | 317 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $767,000 | 956 |
| Total noninterest expense | $7,368,000 | 581 |
| Salaries and employee benefits | $4,106,000 | 545 |
| Premises and equipment expense | $1,277,000 | 474 |
| Additional noninterest expense | $1,985,000 | 646 |
| Pre-tax net operating income | $4,992,000 | 481 |
| Securities gains (losses) | $194,000 | 515 |
| Applicable income taxes | $1,548,000 | 518 |
| Income before extraordinary items | $3,638,000 | 494 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,638,000 | 493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 814 |
| Cash dividends | $1,700,000 | 410 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,502,200 | 480 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $62,817,000 | 459 |
| Total interest expense | $19,435,000 | 474 |
| Net interest income | $43,382,000 | 464 |
| Provision for loan and lease losses | $800,000 | 1,446 |
| Total noninterest income | $9,603,000 | 675 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $5,138,000 | 329 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,465,000 | 825 |
| Total noninterest expense | $28,484,000 | 597 |
| Salaries and employee benefits | $16,044,000 | 543 |
| Premises and equipment expense | $4,988,000 | 473 |
| Additional noninterest expense | $7,452,000 | 712 |
| Pre-tax net operating income | $23,701,000 | 416 |
| Securities gains (losses) | $370,000 | 920 |
| Applicable income taxes | $7,820,000 | 442 |
| Income before extraordinary items | $16,251,000 | 443 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $16,251,000 | 444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $688,000 | 1,247 |
| Cash dividends | $18,649,000 | 261 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $15,999,400 | 424 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $48,056,000 | 466 |
| Total interest expense | $15,115,000 | 480 |
| Net interest income | $32,941,000 | 471 |
| Provision for loan and lease losses | $569,000 | 1,489 |
| Total noninterest income | $8,664,000 | 613 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $3,706,000 | 351 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,958,000 | 643 |
| Total noninterest expense | $22,590,000 | 581 |
| Salaries and employee benefits | $12,089,000 | 548 |
| Premises and equipment expense | $3,331,000 | 534 |
| Additional noninterest expense | $7,170,000 | 582 |
| Pre-tax net operating income | $18,446,000 | 415 |
| Securities gains (losses) | $289,000 | 987 |
| Applicable income taxes | $6,076,000 | 436 |
| Income before extraordinary items | $12,659,000 | 447 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $12,659,000 | 448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $528,000 | 1,116 |
| Cash dividends | $5,800,000 | 437 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $12,462,480 | 424 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $32,537,000 | 470 |
| Total interest expense | $10,507,000 | 480 |
| Net interest income | $22,030,000 | 469 |
| Provision for loan and lease losses | $338,000 | 1,644 |
| Total noninterest income | $5,802,000 | 606 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,402,000 | 359 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,400,000 | 616 |
| Total noninterest expense | $15,068,000 | 578 |
| Salaries and employee benefits | $8,077,000 | 547 |
| Premises and equipment expense | $2,233,000 | 534 |
| Additional noninterest expense | $4,758,000 | 580 |
| Pre-tax net operating income | $12,426,000 | 417 |
| Securities gains (losses) | $160,000 | 1,189 |
| Applicable income taxes | $4,102,000 | 444 |
| Income before extraordinary items | $8,484,000 | 451 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $8,484,000 | 451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $338,000 | 1,140 |
| Cash dividends | $3,950,000 | 436 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $8,376,800 | 420 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $16,536,000 | 470 |
| Total interest expense | $5,556,000 | 463 |
| Net interest income | $10,980,000 | 473 |
| Provision for loan and lease losses | $175,000 | 1,516 |
| Total noninterest income | $2,764,000 | 627 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,142,000 | 371 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,622,000 | 626 |
| Total noninterest expense | $7,469,000 | 581 |
| Salaries and employee benefits | $4,064,000 | 545 |
| Premises and equipment expense | $1,119,000 | 540 |
| Additional noninterest expense | $2,286,000 | 603 |
| Pre-tax net operating income | $6,100,000 | 419 |
| Securities gains (losses) | $100,000 | 1,001 |
| Applicable income taxes | $2,010,000 | 452 |
| Income before extraordinary items | $4,190,000 | 448 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,190,000 | 447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 1,025 |
| Cash dividends | $2,100,000 | 371 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $4,122,000 | 425 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $73,925,000 | 447 |
| Total interest expense | $27,118,000 | 445 |
| Net interest income | $46,807,000 | 453 |
| Provision for loan and lease losses | $2,071,000 | 713 |
| Total noninterest income | $10,867,000 | 593 |
| Gross Fiduciary activities income | $2,252,000 | 266 |
| Service charges on deposit accounts | $4,110,000 | 396 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,505,000 | 743 |
| Total noninterest expense | $30,968,000 | 550 |
| Salaries and employee benefits | $16,062,000 | 528 |
| Premises and equipment expense | $4,733,000 | 489 |
| Additional noninterest expense | $10,173,000 | 551 |
| Pre-tax net operating income | $24,635,000 | 400 |
| Securities gains (losses) | $38,000 | 2,649 |
| Applicable income taxes | $7,928,000 | 422 |
| Income before extraordinary items | $16,745,000 | 426 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $16,745,000 | 427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,513,000 | 493 |
| Cash dividends | $7,426,000 | 452 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $16,719,160 | 405 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $85,228,000 | 444 |
| Total interest expense | $39,912,000 | 451 |
| Net interest income | $45,316,000 | 434 |
| Provision for loan and lease losses | $924,000 | 1,328 |
| Total noninterest income | $10,719,000 | 579 |
| Gross Fiduciary activities income | $2,414,000 | 263 |
| Service charges on deposit accounts | $4,106,000 | 370 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,199,000 | 746 |
| Total noninterest expense | $33,743,000 | 500 |
| Salaries and employee benefits | $17,085,000 | 466 |
| Premises and equipment expense | $4,813,000 | 479 |
| Additional noninterest expense | $11,845,000 | 504 |
| Pre-tax net operating income | $21,368,000 | 403 |
| Securities gains (losses) | $223,000 | 1,105 |
| Applicable income taxes | $7,195,000 | 424 |
| Income before extraordinary items | $14,396,000 | 421 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $14,396,000 | 420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $711,000 | 1,201 |
| Cash dividends | $6,330,000 | 506 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $14,246,590 | 404 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $79,433,000 | 498 |
| Total interest expense | $41,921,000 | 482 |
| Net interest income | $37,512,000 | 503 |
| Provision for loan and lease losses | $1,100,000 | 984 |
| Total noninterest income | $8,467,000 | 658 |
| Gross Fiduciary activities income | $2,666,000 | 244 |
| Service charges on deposit accounts | $3,486,000 | 387 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,315,000 | 1,023 |
| Total noninterest expense | $26,890,000 | 590 |
| Salaries and employee benefits | $14,677,000 | 498 |
| Premises and equipment expense | $4,529,000 | 496 |
| Additional noninterest expense | $7,684,000 | 694 |
| Pre-tax net operating income | $17,989,000 | 486 |
| Securities gains (losses) | $-187,000 | 9,561 |
| Applicable income taxes | $5,778,000 | 502 |
| Income before extraordinary items | $12,024,000 | 489 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $12,024,000 | 490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $441,000 | 1,356 |
| Cash dividends | $8,535,000 | 430 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $12,151,160 | 485 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $70,662,000 | 525 |
| Total interest expense | $33,790,000 | 513 |
| Net interest income | $36,872,000 | 528 |
| Provision for loan and lease losses | $480,000 | 1,826 |
| Total noninterest income | $7,835,000 | 711 |
| Gross Fiduciary activities income | $2,390,000 | 300 |
| Service charges on deposit accounts | $2,715,000 | 495 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,730,000 | 952 |
| Total noninterest expense | $25,295,000 | 635 |
| Salaries and employee benefits | $13,479,000 | 541 |
| Premises and equipment expense | $4,079,000 | 550 |
| Additional noninterest expense | $7,737,000 | 721 |
| Pre-tax net operating income | $18,932,000 | 508 |
| Securities gains (losses) | $307,000 | 447 |
| Applicable income taxes | $6,222,000 | 521 |
| Income before extraordinary items | $13,017,000 | 500 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $13,017,000 | 500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $379,000 | 1,514 |
| Cash dividends | $12,777,000 | 332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $12,808,240 | 502 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $68,187,000 | 539 |
| Total interest expense | $34,133,000 | 520 |
| Net interest income | $34,054,000 | 547 |
| Provision for loan and lease losses | $600,000 | 1,475 |
| Total noninterest income | $7,634,000 | 710 |
| Gross Fiduciary activities income | $2,031,000 | 318 |
| Service charges on deposit accounts | $2,127,000 | 577 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,476,000 | 828 |
| Total noninterest expense | $23,160,000 | 658 |
| Salaries and employee benefits | $12,476,000 | 571 |
| Premises and equipment expense | $3,677,000 | 587 |
| Additional noninterest expense | $7,007,000 | 769 |
| Pre-tax net operating income | $17,928,000 | 481 |
| Securities gains (losses) | $65,000 | 1,554 |
| Applicable income taxes | $5,609,000 | 526 |
| Income before extraordinary items | $12,384,000 | 475 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $12,384,000 | 474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $494,000 | 1,263 |
| Cash dividends | $9,954,000 | 389 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $12,339,150 | 462 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $62,703,000 | 584 |
| Total interest expense | $30,445,000 | 574 |
| Net interest income | $32,258,000 | 578 |
| Provision for loan and lease losses | $600,000 | 1,510 |
| Total noninterest income | $5,621,000 | 854 |
| Gross Fiduciary activities income | $1,733,000 | 351 |
| Service charges on deposit accounts | $2,315,000 | 561 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,573,000 | 1,284 |
| Total noninterest expense | $21,250,000 | 706 |
| Salaries and employee benefits | $11,602,000 | 600 |
| Premises and equipment expense | $3,608,000 | 582 |
| Additional noninterest expense | $6,040,000 | 851 |
| Pre-tax net operating income | $16,029,000 | 551 |
| Securities gains (losses) | $171,000 | 779 |
| Applicable income taxes | $4,907,000 | 610 |
| Income before extraordinary items | $11,293,000 | 533 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $11,293,000 | 533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 1,468 |
| Cash dividends | $4,461,000 | 691 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $11,173,300 | 514 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $54,269,000 | 685 |
| Total interest expense | $25,186,000 | 700 |
| Net interest income | $29,083,000 | 674 |
| Provision for loan and lease losses | $600,000 | 1,497 |
| Total noninterest income | $4,299,000 | 1,052 |
| Gross Fiduciary activities income | $1,546,000 | 403 |
| Service charges on deposit accounts | $1,994,000 | 676 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $759,000 | 2,177 |
| Total noninterest expense | $19,269,000 | 814 |
| Salaries and employee benefits | $10,719,000 | 657 |
| Premises and equipment expense | $3,258,000 | 687 |
| Additional noninterest expense | $5,292,000 | 1,082 |
| Pre-tax net operating income | $13,513,000 | 614 |
| Securities gains (losses) | $191,000 | 718 |
| Applicable income taxes | $3,878,000 | 714 |
| Income before extraordinary items | $9,826,000 | 591 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $9,826,000 | 592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 2,052 |
| Cash dividends | $3,818,000 | 798 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $9,688,480 | 583 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $50,973,000 | 749 |
| Total interest expense | $23,847,000 | 763 |
| Net interest income | $27,126,000 | 732 |
| Provision for loan and lease losses | $750,000 | 1,161 |
| Total noninterest income | $4,244,000 | 1,071 |
| Gross Fiduciary activities income | $1,419,000 | 454 |
| Service charges on deposit accounts | $1,937,000 | 699 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $888,000 | 1,957 |
| Total noninterest expense | $18,531,000 | 840 |
| Salaries and employee benefits | $10,030,000 | 699 |
| Premises and equipment expense | $3,041,000 | 753 |
| Additional noninterest expense | $5,460,000 | 1,045 |
| Pre-tax net operating income | $12,089,000 | 710 |
| Securities gains (losses) | $-35,000 | 10,941 |
| Applicable income taxes | $3,239,000 | 865 |
| Income before extraordinary items | $8,815,000 | 662 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $8,815,000 | 662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,716 |
| Cash dividends | $4,213,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $8,840,550 | 658 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $44,078,000 | 779 |
| Total interest expense | $18,815,000 | 756 |
| Net interest income | $25,263,000 | 765 |
| Provision for loan and lease losses | $750,000 | 1,143 |
| Total noninterest income | $4,874,000 | 942 |
| Gross Fiduciary activities income | $1,368,000 | 451 |
| Service charges on deposit accounts | $1,861,000 | 721 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,645,000 | 1,293 |
| Total noninterest expense | $18,153,000 | 873 |
| Salaries and employee benefits | $7,172,000 | 954 |
| Premises and equipment expense | $1,984,000 | 1,072 |
| Additional noninterest expense | $8,997,000 | 752 |
| Pre-tax net operating income | $11,234,000 | 729 |
| Securities gains (losses) | $-165,000 | 11,846 |
| Applicable income taxes | $2,793,000 | 929 |
| Income before extraordinary items | $8,276,000 | 665 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $8,276,000 | 667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 1,632 |
| Cash dividends | $3,362,000 | 742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $8,399,750 | 660 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $26,340,000 | 1,213 |
| Total interest expense | $11,896,000 | 1,139 |
| Net interest income | $14,444,000 | 1,254 |
| Provision for loan and lease losses | $780,000 | 1,547 |
| Total noninterest income | $2,870,000 | 1,519 |
| Gross Fiduciary activities income | $598,000 | 705 |
| Service charges on deposit accounts | $1,049,000 | 1,290 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,223,000 | 1,788 |
| Total noninterest expense | $10,297,000 | 1,485 |
| Salaries and employee benefits | $3,965,000 | 1,702 |
| Premises and equipment expense | $1,115,000 | 1,874 |
| Additional noninterest expense | $5,217,000 | 1,237 |
| Pre-tax net operating income | $6,237,000 | 1,116 |
| Securities gains (losses) | $232,000 | 1,523 |
| Applicable income taxes | $1,556,000 | 1,519 |
| Income before extraordinary items | $4,913,000 | 1,054 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,913,000 | 1,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 2,641 |
| Cash dividends | $1,986,000 | 1,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,736,680 | 1,021 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $26,683,000 | 1,371 |
| Total interest expense | $13,039,000 | 1,360 |
| Net interest income | $13,644,000 | 1,354 |
| Provision for loan and lease losses | $780,000 | 2,183 |
| Total noninterest income | $2,149,000 | 1,846 |
| Gross Fiduciary activities income | $554,000 | 725 |
| Service charges on deposit accounts | $884,000 | 1,532 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $711,000 | 2,509 |
| Total noninterest expense | $9,749,000 | 1,577 |
| Salaries and employee benefits | $3,687,000 | 1,801 |
| Premises and equipment expense | $999,000 | 2,096 |
| Additional noninterest expense | $5,063,000 | 1,306 |
| Pre-tax net operating income | $5,264,000 | 1,219 |
| Securities gains (losses) | $175,000 | 2,204 |
| Applicable income taxes | $1,134,000 | 1,863 |
| Income before extraordinary items | $4,305,000 | 1,094 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,305,000 | 1,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 4,631 |
| Cash dividends | $2,547,000 | 683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,166,750 | 1,045 |
* 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.