Home > Citizens First State Bank > Income and Expense
Citizens First State Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,830,000 | 4,963 |
| Total interest expense | $1,005,000 | 5,635 |
| Net interest income | $3,825,000 | 4,635 |
| Provision for loan and lease losses | $295,000 | 2,973 |
| Total noninterest income | $766,000 | 4,168 |
| Gross Fiduciary activities income | $130,000 | 881 |
| Service charges on deposit accounts | $370,000 | 3,814 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $266,000 | 4,508 |
| Total noninterest expense | $3,549,000 | 4,128 |
| Salaries and employee benefits | $1,785,000 | 4,370 |
| Premises and equipment expense | $333,000 | 5,380 |
| Additional noninterest expense | $1,431,000 | 3,246 |
| Pre-tax net operating income | $747,000 | 5,954 |
| Securities gains (losses) | $-8,000 | 8,172 |
| Applicable income taxes | $309,000 | 4,130 |
| Income before extraordinary items | $430,000 | 6,623 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $430,000 | 6,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,531 |
| Cash dividends | $453,000 | 3,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $435,120 | 6,551 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,623,000 | 4,952 |
| Total interest expense | $751,000 | 5,621 |
| Net interest income | $2,872,000 | 4,616 |
| Provision for loan and lease losses | $145,000 | 3,592 |
| Total noninterest income | $580,000 | 4,170 |
| Gross Fiduciary activities income | $96,000 | 884 |
| Service charges on deposit accounts | $280,000 | 3,823 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $204,000 | 4,458 |
| Total noninterest expense | $2,652,000 | 4,108 |
| Salaries and employee benefits | $1,339,000 | 4,328 |
| Premises and equipment expense | $251,000 | 5,329 |
| Additional noninterest expense | $1,062,000 | 3,246 |
| Pre-tax net operating income | $655,000 | 5,674 |
| Securities gains (losses) | $-8,000 | 8,459 |
| Applicable income taxes | $264,000 | 3,987 |
| Income before extraordinary items | $383,000 | 6,427 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $383,000 | 6,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,121 |
| Cash dividends | $453,000 | 2,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $388,120 | 6,326 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,419,000 | 4,954 |
| Total interest expense | $511,000 | 5,590 |
| Net interest income | $1,908,000 | 4,626 |
| Provision for loan and lease losses | $80,000 | 3,908 |
| Total noninterest income | $401,000 | 4,085 |
| Gross Fiduciary activities income | $66,000 | 886 |
| Service charges on deposit accounts | $188,000 | 3,792 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $147,000 | 4,337 |
| Total noninterest expense | $1,754,000 | 4,158 |
| Salaries and employee benefits | $884,000 | 4,391 |
| Premises and equipment expense | $169,000 | 5,333 |
| Additional noninterest expense | $701,000 | 3,306 |
| Pre-tax net operating income | $475,000 | 5,438 |
| Securities gains (losses) | $-6,000 | 8,606 |
| Applicable income taxes | $190,000 | 3,876 |
| Income before extraordinary items | $279,000 | 6,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $279,000 | 6,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,167 |
| Cash dividends | $390,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $282,840 | 6,096 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,241,000 | 4,890 |
| Total interest expense | $264,000 | 5,566 |
| Net interest income | $977,000 | 4,554 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $218,000 | 3,853 |
| Gross Fiduciary activities income | $33,000 | 901 |
| Service charges on deposit accounts | $90,000 | 3,830 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $95,000 | 3,820 |
| Total noninterest expense | $887,000 | 4,137 |
| Salaries and employee benefits | $442,000 | 4,404 |
| Premises and equipment expense | $87,000 | 5,269 |
| Additional noninterest expense | $358,000 | 3,224 |
| Pre-tax net operating income | $263,000 | 5,139 |
| Securities gains (losses) | $-6,000 | 8,866 |
| Applicable income taxes | $103,000 | 3,738 |
| Income before extraordinary items | $154,000 | 5,949 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $154,000 | 5,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,853 |
| Cash dividends | $205,000 | 2,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $157,840 | 5,777 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,490,000 | 4,578 |
| Total interest expense | $1,212,000 | 5,541 |
| Net interest income | $4,278,000 | 4,155 |
| Provision for loan and lease losses | $146,000 | 4,640 |
| Total noninterest income | $786,000 | 4,274 |
| Gross Fiduciary activities income | $126,000 | 909 |
| Service charges on deposit accounts | $388,000 | 3,714 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $272,000 | 4,688 |
| Total noninterest expense | $3,398,000 | 4,221 |
| Salaries and employee benefits | $1,706,000 | 4,428 |
| Premises and equipment expense | $316,000 | 5,510 |
| Additional noninterest expense | $1,376,000 | 3,330 |
| Pre-tax net operating income | $1,520,000 | 4,096 |
| Securities gains (losses) | $-4,000 | 8,670 |
| Applicable income taxes | $604,000 | 3,050 |
| Income before extraordinary items | $912,000 | 4,901 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $912,000 | 4,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,718 |
| Cash dividends | $1,235,000 | 2,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $914,560 | 4,735 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,181,000 | 4,585 |
| Total interest expense | $945,000 | 5,550 |
| Net interest income | $3,236,000 | 4,149 |
| Provision for loan and lease losses | $96,000 | 4,730 |
| Total noninterest income | $606,000 | 4,258 |
| Gross Fiduciary activities income | $95,000 | 915 |
| Service charges on deposit accounts | $290,000 | 3,730 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $221,000 | 4,597 |
| Total noninterest expense | $2,476,000 | 4,301 |
| Salaries and employee benefits | $1,282,000 | 4,412 |
| Premises and equipment expense | $231,000 | 5,572 |
| Additional noninterest expense | $963,000 | 3,502 |
| Pre-tax net operating income | $1,270,000 | 3,919 |
| Securities gains (losses) | $-4,000 | 8,850 |
| Applicable income taxes | $502,000 | 3,023 |
| Income before extraordinary items | $764,000 | 4,728 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $764,000 | 4,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,909 |
| Cash dividends | $1,001,000 | 1,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $766,560 | 4,534 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,788,000 | 4,620 |
| Total interest expense | $661,000 | 5,521 |
| Net interest income | $2,127,000 | 4,203 |
| Provision for loan and lease losses | $48,000 | 5,200 |
| Total noninterest income | $438,000 | 4,042 |
| Gross Fiduciary activities income | $68,000 | 911 |
| Service charges on deposit accounts | $193,000 | 3,709 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $177,000 | 4,260 |
| Total noninterest expense | $1,633,000 | 4,327 |
| Salaries and employee benefits | $846,000 | 4,443 |
| Premises and equipment expense | $156,000 | 5,529 |
| Additional noninterest expense | $631,000 | 3,563 |
| Pre-tax net operating income | $884,000 | 3,798 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $348,000 | 2,960 |
| Income before extraordinary items | $536,000 | 4,607 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $536,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,754 |
| Cash dividends | $660,000 | 1,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $536,000 | 4,393 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,395,000 | 4,640 |
| Total interest expense | $338,000 | 5,552 |
| Net interest income | $1,057,000 | 4,230 |
| Provision for loan and lease losses | $27,000 | 4,866 |
| Total noninterest income | $227,000 | 3,862 |
| Gross Fiduciary activities income | $35,000 | 910 |
| Service charges on deposit accounts | $94,000 | 3,690 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $98,000 | 3,968 |
| Total noninterest expense | $780,000 | 4,447 |
| Salaries and employee benefits | $378,000 | 4,824 |
| Premises and equipment expense | $84,000 | 5,273 |
| Additional noninterest expense | $318,000 | 3,480 |
| Pre-tax net operating income | $477,000 | 3,610 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $194,000 | 2,754 |
| Income before extraordinary items | $283,000 | 4,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $283,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,406 |
| Cash dividends | $291,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $283,000 | 4,201 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,144,000 | 4,483 |
| Total interest expense | $1,622,000 | 5,483 |
| Net interest income | $4,522,000 | 3,973 |
| Provision for loan and lease losses | $31,000 | 7,177 |
| Total noninterest income | $709,000 | 4,302 |
| Gross Fiduciary activities income | $121,000 | 949 |
| Service charges on deposit accounts | $343,000 | 3,926 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $245,000 | 4,647 |
| Total noninterest expense | $3,186,000 | 4,275 |
| Salaries and employee benefits | $1,627,000 | 4,405 |
| Premises and equipment expense | $304,000 | 5,540 |
| Additional noninterest expense | $1,255,000 | 3,483 |
| Pre-tax net operating income | $2,014,000 | 3,408 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $810,000 | 2,574 |
| Income before extraordinary items | $1,208,000 | 4,070 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,208,000 | 4,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,923 |
| Cash dividends | $1,265,000 | 1,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,205,440 | 3,968 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,805,000 | 4,100 |
| Total interest expense | $2,748,000 | 5,058 |
| Net interest income | $5,057,000 | 3,403 |
| Provision for loan and lease losses | $444,000 | 2,425 |
| Total noninterest income | $635,000 | 4,442 |
| Gross Fiduciary activities income | $134,000 | 925 |
| Service charges on deposit accounts | $396,000 | 3,429 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $105,000 | 6,335 |
| Total noninterest expense | $2,988,000 | 4,344 |
| Salaries and employee benefits | $1,299,000 | 5,034 |
| Premises and equipment expense | $297,000 | 5,549 |
| Additional noninterest expense | $1,392,000 | 3,070 |
| Pre-tax net operating income | $2,260,000 | 2,893 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $885,000 | 2,263 |
| Income before extraordinary items | $1,375,000 | 3,447 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,375,000 | 3,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 2,124 |
| Cash dividends | $2,595,000 | 1,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,375,000 | 3,348 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,351,000 | 3,987 |
| Total interest expense | $3,414,000 | 4,470 |
| Net interest income | $4,937,000 | 3,515 |
| Provision for loan and lease losses | $80,000 | 5,752 |
| Total noninterest income | $563,000 | 4,581 |
| Gross Fiduciary activities income | $112,000 | 920 |
| Service charges on deposit accounts | $300,000 | 4,061 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $151,000 | 5,452 |
| Total noninterest expense | $3,055,000 | 4,167 |
| Salaries and employee benefits | $1,693,000 | 3,965 |
| Premises and equipment expense | $284,000 | 5,599 |
| Additional noninterest expense | $1,078,000 | 3,753 |
| Pre-tax net operating income | $2,365,000 | 2,902 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $908,000 | 2,302 |
| Income before extraordinary items | $1,457,000 | 3,330 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,457,000 | 3,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,816 |
| Cash dividends | $991,000 | 2,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,457,000 | 3,318 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,526,000 | 4,136 |
| Total interest expense | $2,837,000 | 4,799 |
| Net interest income | $4,689,000 | 3,656 |
| Provision for loan and lease losses | $270,000 | 2,899 |
| Total noninterest income | $516,000 | 4,869 |
| Gross Fiduciary activities income | $90,000 | 1,009 |
| Service charges on deposit accounts | $278,000 | 4,203 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $148,000 | 5,639 |
| Total noninterest expense | $3,026,000 | 4,180 |
| Salaries and employee benefits | $1,668,000 | 3,986 |
| Premises and equipment expense | $276,000 | 5,735 |
| Additional noninterest expense | $1,082,000 | 3,755 |
| Pre-tax net operating income | $1,909,000 | 3,454 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $719,000 | 2,857 |
| Income before extraordinary items | $1,190,000 | 3,905 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,190,000 | 3,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,020 |
| Cash dividends | $708,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,190,000 | 3,870 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,963,000 | 3,951 |
| Total interest expense | $3,208,000 | 4,467 |
| Net interest income | $4,755,000 | 3,565 |
| Provision for loan and lease losses | $67,000 | 5,949 |
| Total noninterest income | $471,000 | 5,110 |
| Gross Fiduciary activities income | $82,000 | 1,046 |
| Service charges on deposit accounts | $256,000 | 4,409 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $133,000 | 5,971 |
| Total noninterest expense | $2,962,000 | 4,159 |
| Salaries and employee benefits | $1,641,000 | 3,959 |
| Premises and equipment expense | $308,000 | 5,311 |
| Additional noninterest expense | $1,013,000 | 3,913 |
| Pre-tax net operating income | $2,197,000 | 3,086 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $766,000 | 2,837 |
| Income before extraordinary items | $1,431,000 | 3,376 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,431,000 | 3,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,244 |
| Cash dividends | $2,841,000 | 1,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,431,000 | 3,288 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,022,000 | 3,951 |
| Total interest expense | $3,291,000 | 4,341 |
| Net interest income | $4,731,000 | 3,673 |
| Provision for loan and lease losses | $133,000 | 4,398 |
| Total noninterest income | $492,000 | 5,046 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,550 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 4,557 |
| Total noninterest expense | $2,994,000 | 4,104 |
| Salaries and employee benefits | $1,584,000 | 4,046 |
| Premises and equipment expense | $320,000 | 5,231 |
| Additional noninterest expense | $1,090,000 | 3,619 |
| Pre-tax net operating income | $2,096,000 | 3,380 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $797,000 | 2,937 |
| Income before extraordinary items | $1,299,000 | 3,799 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,299,000 | 3,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $2,624,000 | 1,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,299,000 | 3,729 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,839,000 | 4,117 |
| Total interest expense | $3,152,000 | 4,571 |
| Net interest income | $4,687,000 | 3,762 |
| Provision for loan and lease losses | $281,000 | 2,717 |
| Total noninterest income | $408,000 | 5,880 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 5,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 5,587 |
| Total noninterest expense | $2,915,000 | 4,389 |
| Salaries and employee benefits | $1,519,000 | 4,257 |
| Premises and equipment expense | $321,000 | 5,318 |
| Additional noninterest expense | $1,075,000 | 4,151 |
| Pre-tax net operating income | $1,899,000 | 3,544 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $726,000 | 3,096 |
| Income before extraordinary items | $1,173,000 | 3,943 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,173,000 | 3,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,058 |
| Cash dividends | $1,600,000 | 1,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,173,000 | 3,897 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,543,000 | 4,240 |
| Total interest expense | $3,122,000 | 4,578 |
| Net interest income | $4,421,000 | 3,968 |
| Provision for loan and lease losses | $266,000 | 2,455 |
| Total noninterest income | $395,000 | 6,035 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,168 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,743 |
| Total noninterest expense | $2,901,000 | 4,417 |
| Salaries and employee benefits | $1,428,000 | 4,473 |
| Premises and equipment expense | $331,000 | 5,238 |
| Additional noninterest expense | $1,142,000 | 3,914 |
| Pre-tax net operating income | $1,649,000 | 4,112 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $628,000 | 3,550 |
| Income before extraordinary items | $1,026,000 | 4,494 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,026,000 | 4,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,397 |
| Cash dividends | $442,000 | 3,644 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,022,800 | 4,495 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,463,000 | 4,545 |
| Total interest expense | $2,338,000 | 4,917 |
| Net interest income | $4,125,000 | 4,260 |
| Provision for loan and lease losses | $123,000 | 4,008 |
| Total noninterest income | $419,000 | 5,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 5,338 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,477 |
| Total noninterest expense | $3,052,000 | 4,342 |
| Salaries and employee benefits | $1,373,000 | 4,650 |
| Premises and equipment expense | $335,000 | 5,238 |
| Additional noninterest expense | $1,344,000 | 3,672 |
| Pre-tax net operating income | $1,369,000 | 4,747 |
| Securities gains (losses) | $-32,000 | 10,707 |
| Applicable income taxes | $505,000 | 4,027 |
| Income before extraordinary items | $832,000 | 5,201 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $832,000 | 5,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,575 |
| Cash dividends | $331,000 | 4,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $852,480 | 5,155 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,437,000 | 4,653 |
| Total interest expense | $2,451,000 | 4,912 |
| Net interest income | $3,986,000 | 4,419 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $423,000 | 6,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 5,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,866 |
| Total noninterest expense | $3,070,000 | 4,418 |
| Salaries and employee benefits | $1,388,000 | 4,590 |
| Premises and equipment expense | $324,000 | 5,535 |
| Additional noninterest expense | $1,358,000 | 3,800 |
| Pre-tax net operating income | $1,303,000 | 4,857 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $515,000 | 4,073 |
| Income before extraordinary items | $789,000 | 5,622 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $789,000 | 5,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,809 |
| Cash dividends | $279,000 | 4,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $788,360 | 5,393 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,937,000 | 4,859 |
| Total interest expense | $3,124,000 | 4,983 |
| Net interest income | $3,813,000 | 4,647 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $445,000 | 6,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $219,000 | 5,639 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $226,000 | 5,284 |
| Total noninterest expense | $3,115,000 | 4,371 |
| Salaries and employee benefits | $1,390,000 | 4,526 |
| Premises and equipment expense | $312,000 | 5,807 |
| Additional noninterest expense | $1,413,000 | 3,771 |
| Pre-tax net operating income | $1,143,000 | 5,119 |
| Securities gains (losses) | $200,000 | 2,010 |
| Applicable income taxes | $517,000 | 3,890 |
| Income before extraordinary items | $826,000 | 5,231 |
| Extraordinary gains, net | $-39,000 | 13,565 |
| Net income | $787,000 | 5,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 6,285 |
| Cash dividends | $355,000 | 3,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $698,000 | 5,594 |
* 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.