Home > Citizens Bank Wakulla > Income and Expense

Citizens Bank Wakulla, Income and Expense

2006-06-30 (YTD Data)		Rank
Total interest income	$2,463,000	5,579
Total interest expense	$981,000	5,277
Net interest income	$1,482,000	5,639
Provision for loan and lease losses	$75,000	3,786
Total noninterest income	$353,000	4,329
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$335,000	2,437
Trading account gains and fees	$0	126
Additional Noninterest Income	$18,000	7,655
Total noninterest expense	$702,000	7,092
Salaries and employee benefits	$338,000	7,377
Premises and equipment expense	$133,000	6,083
Additional noninterest expense	$231,000	6,773
Pre-tax net operating income	$1,058,000	3,667
Securities gains (losses)	$-6,000	7,728
Applicable income taxes	$396,000	2,629
Income before extraordinary items	$656,000	4,224
Extraordinary gains, net	$0	39
Net income	$656,000	4,228
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$49,000	2,505
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$659,840	4,201
2006-03-31 (YTD Data)		Rank
Total interest income	$1,066,000	5,931
Total interest expense	$414,000	5,602
Net interest income	$652,000	6,021
Provision for loan and lease losses	$30,000	3,822
Total noninterest income	$174,000	4,289
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$161,000	2,439
Trading account gains and fees	$0	115
Additional Noninterest Income	$13,000	7,271
Total noninterest expense	$381,000	6,894
Salaries and employee benefits	$200,000	6,990
Premises and equipment expense	$63,000	6,234
Additional noninterest expense	$118,000	6,671
Pre-tax net operating income	$415,000	4,194
Securities gains (losses)	$0	955
Applicable income taxes	$156,000	2,978
Income before extraordinary items	$259,000	4,781
Extraordinary gains, net	$0	21
Net income	$259,000	4,781
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	3,757
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$259,000	4,758
2005-12-31 (YTD Data)		Rank
Total interest income	$3,843,000	5,938
Total interest expense	$1,093,000	6,067
Net interest income	$2,750,000	5,779
Provision for loan and lease losses	$260,000	3,084
Total noninterest income	$746,000	4,209
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$689,000	2,383
Trading account gains and fees	$0	138
Additional Noninterest Income	$57,000	7,225
Total noninterest expense	$1,963,000	6,176
Salaries and employee benefits	$1,045,000	6,226
Premises and equipment expense	$262,000	6,087
Additional noninterest expense	$656,000	5,777
Pre-tax net operating income	$1,273,000	4,780
Securities gains (losses)	$0	2,296
Applicable income taxes	$535,000	3,256
Income before extraordinary items	$738,000	5,548
Extraordinary gains, net	$0	46
Net income	$738,000	5,552
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$177,000	2,472
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$738,000	5,513
2005-09-30 (YTD Data)		Rank
Total interest income	$2,765,000	6,029
Total interest expense	$736,000	6,226
Net interest income	$2,029,000	5,843
Provision for loan and lease losses	$210,000	2,870
Total noninterest income	$569,000	4,185
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$510,000	2,403
Trading account gains and fees	$0	126
Additional Noninterest Income	$59,000	6,795
Total noninterest expense	$1,534,000	6,005
Salaries and employee benefits	$810,000	6,091
Premises and equipment expense	$205,000	5,974
Additional noninterest expense	$519,000	5,594
Pre-tax net operating income	$854,000	5,160
Securities gains (losses)	$0	2,317
Applicable income taxes	$322,000	3,693
Income before extraordinary items	$532,000	5,756
Extraordinary gains, net	$0	35
Net income	$532,000	5,760
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$142,000	2,087
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$532,000	5,721
2005-06-30 (YTD Data)		Rank
Total interest income	$1,720,000	6,174
Total interest expense	$420,000	6,481
Net interest income	$1,300,000	5,951
Provision for loan and lease losses	$155,000	2,569
Total noninterest income	$378,000	4,185
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$327,000	2,444
Trading account gains and fees	$0	116
Additional Noninterest Income	$51,000	6,373
Total noninterest expense	$1,030,000	5,965
Salaries and employee benefits	$552,000	6,029
Premises and equipment expense	$128,000	6,137
Additional noninterest expense	$350,000	5,525
Pre-tax net operating income	$493,000	5,511
Securities gains (losses)	$0	2,146
Applicable income taxes	$186,000	3,908
Income before extraordinary items	$307,000	6,074
Extraordinary gains, net	$0	30
Net income	$307,000	6,078
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$134,000	1,589
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$307,000	6,021
2005-03-31 (YTD Data)		Rank
Total interest income	$818,000	6,325
Total interest expense	$196,000	6,592
Net interest income	$622,000	6,109
Provision for loan and lease losses	$72,000	2,641
Total noninterest income	$210,000	3,855
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$156,000	2,474
Trading account gains and fees	$0	115
Additional Noninterest Income	$54,000	5,007
Total noninterest expense	$562,000	5,713
Salaries and employee benefits	$287,000	5,921
Premises and equipment expense	$60,000	6,332
Additional noninterest expense	$215,000	4,837
Pre-tax net operating income	$198,000	5,978
Securities gains (losses)	$0	1,685
Applicable income taxes	$94,000	3,867
Income before extraordinary items	$104,000	6,827
Extraordinary gains, net	$0	24
Net income	$104,000	6,829
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	1,893
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$104,000	6,796
2004-12-31 (YTD Data)		Rank
Total interest income	$256,000	8,869
Total interest expense	$59,000	8,819
Net interest income	$197,000	8,866
Provision for loan and lease losses	$59,000	5,800
Total noninterest income	$63,000	8,469
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$51,000	7,279
Trading account gains and fees	$0	138
Additional Noninterest Income	$12,000	8,473
Total noninterest expense	$165,000	8,941
Salaries and employee benefits	$93,000	8,927
Premises and equipment expense	$23,000	8,848
Additional noninterest expense	$49,000	8,931
Pre-tax net operating income	$36,000	8,294
Securities gains (losses)	$0	3,819
Applicable income taxes	$15,000	6,646
Income before extraordinary items	$21,000	8,376
Extraordinary gains, net	$0	34
Net income	$21,000	8,376
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	6,475
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$21,000	8,343
2004-09-30 (YTD Data)		Rank
Total interest income	$2,259,000	6,420
Total interest expense	$562,000	6,401
Net interest income	$1,697,000	6,293
Provision for loan and lease losses	$0	7,100
Total noninterest income	$424,000	4,996
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$311,000	3,576
Trading account gains and fees	$0	134
Additional Noninterest Income	$113,000	5,689
Total noninterest expense	$1,648,000	5,675
Salaries and employee benefits	$881,000	5,723
Premises and equipment expense	$215,000	5,770
Additional noninterest expense	$552,000	5,326
Pre-tax net operating income	$473,000	6,443
Securities gains (losses)	$0	3,710
Applicable income taxes	$192,000	4,498
Income before extraordinary items	$281,000	7,029
Extraordinary gains, net	$0	26
Net income	$281,000	7,030
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$29,000	4,471
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$281,000	6,964
2004-06-30 (YTD Data)		Rank
Total interest income	$1,474,000	6,514
Total interest expense	$377,000	6,425
Net interest income	$1,097,000	6,410
Provision for loan and lease losses	$0	6,885
Total noninterest income	$290,000	4,905
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	$80,000	5,602
Total noninterest expense	$1,127,000	5,637
Salaries and employee benefits	$579,000	5,799
Premises and equipment expense	$144,000	5,789
Additional noninterest expense	$404,000	5,029
Pre-tax net operating income	$260,000	6,766
Securities gains (losses)	$0	3,413
Applicable income taxes	$66,000	5,342
Income before extraordinary items	$194,000	6,961
Extraordinary gains, net	$0	21
Net income	$194,000	6,961
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	4,147
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$194,000	6,883
2004-03-31 (YTD Data)		Rank
Total interest income	$715,000	6,648
Total interest expense	$182,000	6,586
Net interest income	$533,000	6,514
Provision for loan and lease losses	$0	6,501
Total noninterest income	$137,000	5,004
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$91,000	3,798
Trading account gains and fees	$0	121
Additional Noninterest Income	$46,000	5,276
Total noninterest expense	$566,000	5,638
Salaries and employee benefits	$279,000	5,956
Premises and equipment expense	$67,000	6,015
Additional noninterest expense	$220,000	4,725
Pre-tax net operating income	$104,000	7,094
Securities gains (losses)	$0	2,934
Applicable income taxes	$22,000	5,705
Income before extraordinary items	$82,000	7,188
Extraordinary gains, net	$0	16
Net income	$82,000	7,190
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,876
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$82,000	7,113
2003-12-31 (YTD Data)		Rank
Total interest income	$3,209,000	6,313
Total interest expense	$917,000	6,357
Net interest income	$2,292,000	6,193
Provision for loan and lease losses	$851,000	1,381
Total noninterest income	$675,000	4,644
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$471,000	3,256
Trading account gains and fees	$0	160
Additional Noninterest Income	$204,000	5,241
Total noninterest expense	$2,189,000	5,697
Salaries and employee benefits	$1,093,000	5,957
Premises and equipment expense	$309,000	5,590
Additional noninterest expense	$787,000	5,111
Pre-tax net operating income	$-73,000	8,625
Securities gains (losses)	$0	4,500
Applicable income taxes	$-43,000	8,856
Income before extraordinary items	$-30,000	8,666
Extraordinary gains, net	$0	54
Net income	$-30,000	8,668
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$797,000	1,102
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-30,000	8,584
2003-09-30 (YTD Data)		Rank
Total interest income	$2,432,000	6,342
Total interest expense	$739,000	6,310
Net interest income	$1,693,000	6,272
Provision for loan and lease losses	$524,000	1,598
Total noninterest income	$523,000	4,627
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$361,000	3,192
Trading account gains and fees	$0	153
Additional Noninterest Income	$162,000	5,189
Total noninterest expense	$1,728,000	5,491
Salaries and employee benefits	$832,000	5,886
Premises and equipment expense	$252,000	5,303
Additional noninterest expense	$644,000	4,760
Pre-tax net operating income	$-36,000	8,701
Securities gains (losses)	$0	4,204
Applicable income taxes	$-5,000	8,883
Income before extraordinary items	$-31,000	8,779
Extraordinary gains, net	$0	40
Net income	$-31,000	8,780
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$370,000	1,474
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-31,000	8,689
2003-06-30 (YTD Data)		Rank
Total interest income	$1,605,000	6,419
Total interest expense	$533,000	6,194
Net interest income	$1,072,000	6,429
Provision for loan and lease losses	$524,000	1,101
Total noninterest income	$372,000	4,421
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$249,000	3,072
Trading account gains and fees	$0	150
Additional Noninterest Income	$123,000	4,953
Total noninterest expense	$1,169,000	5,416
Salaries and employee benefits	$564,000	5,820
Premises and equipment expense	$164,000	5,356
Additional noninterest expense	$441,000	4,662
Pre-tax net operating income	$-249,000	8,958
Securities gains (losses)	$0	3,782
Applicable income taxes	$-1,000	8,923
Income before extraordinary items	$-248,000	9,038
Extraordinary gains, net	$0	30
Net income	$-248,000	9,037
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$310,000	1,222
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-248,000	8,967
2003-03-31 (YTD Data)		Rank
Total interest income	$833,000	6,330
Total interest expense	$264,000	6,332
Net interest income	$569,000	6,231
Provision for loan and lease losses	$45,000	3,818
Total noninterest income	$202,000	4,139
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$127,000	2,959
Trading account gains and fees	$0	134
Additional Noninterest Income	$75,000	4,475
Total noninterest expense	$597,000	5,354
Salaries and employee benefits	$308,000	5,537
Premises and equipment expense	$78,000	5,518
Additional noninterest expense	$211,000	4,775
Pre-tax net operating income	$129,000	6,771
Securities gains (losses)	$0	2,891
Applicable income taxes	$38,000	5,468
Income before extraordinary items	$91,000	7,069
Extraordinary gains, net	$0	21
Net income	$91,000	7,071
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$153,000	1,114
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$91,000	6,913
2002-12-31 (YTD Data)		Rank
Total interest income	$3,676,000	6,176
Total interest expense	$1,098,000	6,690
Net interest income	$2,578,000	5,805
Provision for loan and lease losses	$165,000	4,742
Total noninterest income	$654,000	4,503
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$504,000	2,956
Trading account gains and fees	$0	153
Additional Noninterest Income	$150,000	5,605
Total noninterest expense	$2,199,000	5,533
Salaries and employee benefits	$1,063,000	5,915
Premises and equipment expense	$330,000	5,272
Additional noninterest expense	$806,000	4,897
Pre-tax net operating income	$868,000	5,570
Securities gains (losses)	$0	4,537
Applicable income taxes	$341,000	4,215
Income before extraordinary items	$527,000	6,275
Extraordinary gains, net	$0	70
Net income	$527,000	6,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$130,000	3,757
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$527,000	6,126
2001-12-31 (YTD Data)		Rank
Total interest income	$4,094,000	6,276
Total interest expense	$1,960,000	6,158
Net interest income	$2,134,000	6,226
Provision for loan and lease losses	$118,000	5,336
Total noninterest income	$687,000	4,237
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$498,000	2,847
Trading account gains and fees	$0	177
Additional Noninterest Income	$189,000	5,052
Total noninterest expense	$2,007,000	5,709
Salaries and employee benefits	$905,000	6,347
Premises and equipment expense	$357,000	4,960
Additional noninterest expense	$745,000	5,036
Pre-tax net operating income	$696,000	5,835
Securities gains (losses)	$0	4,612
Applicable income taxes	$246,000	4,639
Income before extraordinary items	$450,000	6,307
Extraordinary gains, net	$0	105
Net income	$450,000	6,309
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$126,000	3,673
Cash dividends	$299,000	4,420
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$450,000	6,191
2000-12-31 (YTD Data)		Rank
Total interest income	$3,907,000	6,559
Total interest expense	$1,905,000	6,410
Net interest income	$2,002,000	6,553
Provision for loan and lease losses	$250,000	3,225
Total noninterest income	$547,000	4,654
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$463,000	2,895
Trading account gains and fees	NA	NA
Additional Noninterest Income	$84,000	6,813
Total noninterest expense	$1,939,000	5,784
Salaries and employee benefits	$822,000	6,622
Premises and equipment expense	$353,000	4,905
Additional noninterest expense	$764,000	4,883
Pre-tax net operating income	$360,000	7,642
Securities gains (losses)	$0	1,956
Applicable income taxes	$114,000	6,341
Income before extraordinary items	$246,000	7,805
Extraordinary gains, net	$0	38
Net income	$246,000	7,805
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$94,000	3,680
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$246,000	7,810
1999-12-31 (YTD Data)		Rank
Total interest income	$3,237,000	7,114
Total interest expense	$1,378,000	7,240
Net interest income	$1,859,000	6,892
Provision for loan and lease losses	$40,000	6,849
Total noninterest income	$476,000	5,105
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$397,000	3,232
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	7,173
Total noninterest expense	$1,765,000	6,150
Salaries and employee benefits	$778,000	6,847
Premises and equipment expense	$277,000	5,722
Additional noninterest expense	$710,000	5,197
Pre-tax net operating income	$530,000	6,997
Securities gains (losses)	$0	3,155
Applicable income taxes	$162,000	6,132
Income before extraordinary items	$368,000	7,172
Extraordinary gains, net	$0	35
Net income	$368,000	7,175
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$41,000	5,166
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$368,000	7,146
1998-12-31 (YTD Data)		Rank
Total interest income	$2,815,000	7,743
Total interest expense	$1,280,000	7,725
Net interest income	$1,535,000	7,609
Provision for loan and lease losses	$40,000	6,927
Total noninterest income	$422,000	5,440
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$350,000	3,495
Trading account gains and fees	NA	NA
Additional Noninterest Income	$72,000	7,421
Total noninterest expense	$1,522,000	6,627
Salaries and employee benefits	$685,000	7,271
Premises and equipment expense	$248,000	5,992
Additional noninterest expense	$589,000	5,825
Pre-tax net operating income	$395,000	7,910
Securities gains (losses)	$0	4,449
Applicable income taxes	$112,000	7,352
Income before extraordinary items	$283,000	8,013
Extraordinary gains, net	$0	32
Net income	$283,000	8,012
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$38,000	5,401
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$283,000	7,935
1997-12-31 (YTD Data)		Rank
Total interest income	$2,606,000	8,247
Total interest expense	$1,062,000	8,516
Net interest income	$1,544,000	7,881
Provision for loan and lease losses	$72,000	5,860
Total noninterest income	$349,000	6,178
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$298,000	4,100
Trading account gains and fees	NA	NA
Additional Noninterest Income	$51,000	8,389
Total noninterest expense	$1,318,000	7,264
Salaries and employee benefits	$576,000	8,077
Premises and equipment expense	$193,000	6,970
Additional noninterest expense	$549,000	6,124
Pre-tax net operating income	$503,000	7,899
Securities gains (losses)	$0	3,944
Applicable income taxes	$172,000	7,291
Income before extraordinary items	$331,000	8,145
Extraordinary gains, net	$0	44
Net income	$331,000	8,148
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,879
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$331,000	8,095
1996-12-31 (YTD Data)		Rank
Total interest income	$2,190,000	9,114
Total interest expense	$937,000	9,215
Net interest income	$1,253,000	8,891
Provision for loan and lease losses	$65,000	5,977
Total noninterest income	$282,000	7,167
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$233,000	5,073
Trading account gains and fees	NA	NA
Additional Noninterest Income	$49,000	8,929
Total noninterest expense	$1,255,000	7,813
Salaries and employee benefits	$552,000	8,465
Premises and equipment expense	$170,000	7,625
Additional noninterest expense	$533,000	6,810
Pre-tax net operating income	$215,000	9,700
Securities gains (losses)	$0	4,148
Applicable income taxes	$43,000	9,812
Income before extraordinary items	$172,000	9,572
Extraordinary gains, net	$0	53
Net income	$172,000	9,573
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$46,000	5,473
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$172,000	9,514
1995-12-31 (YTD Data)		Rank
Total interest income	$1,822,000	10,007
Total interest expense	$828,000	9,852
Net interest income	$994,000	9,959
Provision for loan and lease losses	$19,000	7,763
Total noninterest income	$248,000	7,727
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$211,000	5,500
Trading account gains and fees	NA	NA
Additional Noninterest Income	$37,000	9,867
Total noninterest expense	$1,040,000	8,792
Salaries and employee benefits	$469,000	9,368
Premises and equipment expense	$130,000	8,799
Additional noninterest expense	$441,000	7,787
Pre-tax net operating income	$183,000	10,570
Securities gains (losses)	$0	3,831
Applicable income taxes	$35,000	10,480
Income before extraordinary items	$148,000	10,478
Extraordinary gains, net	$0	65
Net income	$148,000	10,482
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$10,000	7,475
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$148,000	10,451
1994-12-31 (YTD Data)		Rank
Total interest income	$1,429,000	10,877
Total interest expense	$534,000	10,940
Net interest income	$895,000	10,739
Provision for loan and lease losses	$7,000	8,694
Total noninterest income	$177,000	9,158
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$133,000	7,276
Trading account gains and fees	NA	NA
Additional Noninterest Income	$44,000	9,933
Total noninterest expense	$755,000	10,442
Salaries and employee benefits	$323,000	10,987
Premises and equipment expense	$100,000	10,031
Additional noninterest expense	$332,000	9,579
Pre-tax net operating income	$310,000	10,059
Securities gains (losses)	$-27,000	10,567
Applicable income taxes	$81,000	9,781
Income before extraordinary items	$202,000	10,248
Extraordinary gains, net	$0	249
Net income	$202,000	10,255
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$30,000	5,977
Cash dividends	$23,000	8,537
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$221,170	10,089
1993-12-31 (YTD Data)		Rank
Total interest income	$1,240,000	11,802
Total interest expense	$439,000	12,018
Net interest income	$801,000	11,502
Provision for loan and lease losses	$50,000	7,415
Total noninterest income	$153,000	10,142
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,803
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	11,170
Total noninterest expense	$632,000	11,474
Salaries and employee benefits	$264,000	12,037
Premises and equipment expense	$86,000	10,933
Additional noninterest expense	$282,000	10,661
Pre-tax net operating income	$272,000	10,456
Securities gains (losses)	$0	7,477
Applicable income taxes	$53,000	10,868
Income before extraordinary items	$219,000	10,432
Extraordinary gains, net	$0	3,149
Net income	$219,000	10,530
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	7,435
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$219,000	10,189
1992-12-31 (YTD Data)		Rank
Total interest income	$1,194,000	12,615
Total interest expense	$528,000	12,636
Net interest income	$666,000	12,456
Provision for loan and lease losses	$60,000	8,535
Total noninterest income	$130,000	10,919
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$102,000	8,464
Trading account gains and fees	NA	NA
Additional Noninterest Income	$28,000	11,929
Total noninterest expense	$585,000	12,154
Salaries and employee benefits	$253,000	12,576
Premises and equipment expense	$89,000	11,144
Additional noninterest expense	$243,000	11,625
Pre-tax net operating income	$151,000	11,522
Securities gains (losses)	$18,000	5,726
Applicable income taxes	$57,000	11,058
Income before extraordinary items	$112,000	11,781
Extraordinary gains, net	$57,000	951
Net income	$169,000	11,096
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	10,714
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$100,120	11,647

* 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.