Home > Clover Leaf Bank > Income and Expense

Clover Leaf Bank, Income and Expense

2006-06-30 (YTD Data)		Rank
Total interest income	$3,891,000	4,217
Total interest expense	$1,941,000	3,465
Net interest income	$1,950,000	4,791
Provision for loan and lease losses	$47,000	4,552
Total noninterest income	$242,000	5,221
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$73,000	5,645
Trading account gains and fees	$0	126
Additional Noninterest Income	$169,000	4,078
Total noninterest expense	$1,689,000	4,508
Salaries and employee benefits	$844,000	4,826
Premises and equipment expense	$280,000	3,986
Additional noninterest expense	$565,000	4,096
Pre-tax net operating income	$456,000	5,621
Securities gains (losses)	$0	1,185
Applicable income taxes	$88,000	4,689
Income before extraordinary items	$368,000	5,573
Extraordinary gains, net	$0	39
Net income	$368,000	5,574
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,675
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$368,000	5,574
2006-03-31 (YTD Data)		Rank
Total interest income	$1,852,000	4,299
Total interest expense	$897,000	3,552
Net interest income	$955,000	4,847
Provision for loan and lease losses	$17,000	4,701
Total noninterest income	$115,000	5,302
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$37,000	5,553
Trading account gains and fees	$0	115
Additional Noninterest Income	$78,000	4,205
Total noninterest expense	$854,000	4,484
Salaries and employee benefits	$421,000	4,852
Premises and equipment expense	$146,000	3,863
Additional noninterest expense	$287,000	4,039
Pre-tax net operating income	$199,000	5,854
Securities gains (losses)	$0	955
Applicable income taxes	$66,000	4,128
Income before extraordinary items	$133,000	6,200
Extraordinary gains, net	$0	21
Net income	$133,000	6,200
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-7,000	7,654
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$133,000	6,200
2005-12-31 (YTD Data)		Rank
Total interest income	$6,591,000	4,333
Total interest expense	$2,768,000	3,551
Net interest income	$3,823,000	4,762
Provision for loan and lease losses	$42,000	5,929
Total noninterest income	$534,000	5,081
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$128,000	5,896
Trading account gains and fees	$0	138
Additional Noninterest Income	$406,000	3,764
Total noninterest expense	$3,049,000	4,714
Salaries and employee benefits	$1,550,000	4,942
Premises and equipment expense	$490,000	4,248
Additional noninterest expense	$1,009,000	4,394
Pre-tax net operating income	$1,266,000	4,788
Securities gains (losses)	$0	2,296
Applicable income taxes	$446,000	3,541
Income before extraordinary items	$820,000	5,292
Extraordinary gains, net	$0	46
Net income	$820,000	5,294
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-77,000	8,575
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$820,000	5,266
2005-09-30 (YTD Data)		Rank
Total interest income	$4,831,000	4,360
Total interest expense	$1,946,000	3,588
Net interest income	$2,885,000	4,757
Provision for loan and lease losses	$24,000	6,042
Total noninterest income	$314,000	5,671
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$92,000	6,004
Trading account gains and fees	$0	126
Additional Noninterest Income	$222,000	4,378
Total noninterest expense	$2,227,000	4,765
Salaries and employee benefits	$1,136,000	5,002
Premises and equipment expense	$339,000	4,458
Additional noninterest expense	$752,000	4,392
Pre-tax net operating income	$948,000	4,906
Securities gains (losses)	$0	2,317
Applicable income taxes	$337,000	3,591
Income before extraordinary items	$611,000	5,401
Extraordinary gains, net	$0	35
Net income	$611,000	5,404
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-25,000	8,249
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$611,000	5,369
2005-06-30 (YTD Data)		Rank
Total interest income	$3,146,000	4,355
Total interest expense	$1,175,000	3,675
Net interest income	$1,971,000	4,669
Provision for loan and lease losses	$9,000	6,195
Total noninterest income	$194,000	5,809
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$59,000	6,042
Trading account gains and fees	$0	116
Additional Noninterest Income	$135,000	4,544
Total noninterest expense	$1,427,000	4,896
Salaries and employee benefits	$729,000	5,114
Premises and equipment expense	$182,000	5,135
Additional noninterest expense	$516,000	4,265
Pre-tax net operating income	$729,000	4,514
Securities gains (losses)	$0	2,146
Applicable income taxes	$261,000	3,338
Income before extraordinary items	$468,000	5,037
Extraordinary gains, net	$0	30
Net income	$468,000	5,038
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	7,991
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$468,000	4,992
2005-03-31 (YTD Data)		Rank
Total interest income	$1,491,000	4,515
Total interest expense	$551,000	3,751
Net interest income	$940,000	4,823
Provision for loan and lease losses	$0	6,226
Total noninterest income	$92,000	5,872
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$28,000	6,092
Trading account gains and fees	$0	115
Additional Noninterest Income	$64,000	4,644
Total noninterest expense	$662,000	5,194
Salaries and employee benefits	$352,000	5,270
Premises and equipment expense	$72,000	5,866
Additional noninterest expense	$238,000	4,521
Pre-tax net operating income	$370,000	4,473
Securities gains (losses)	$2,000	1,406
Applicable income taxes	$134,000	3,287
Income before extraordinary items	$238,000	4,983
Extraordinary gains, net	$0	24
Net income	$238,000	4,984
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	8,027
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$236,720	4,970
2004-12-31 (YTD Data)		Rank
Total interest income	$5,286,000	4,661
Total interest expense	$1,965,000	3,708
Net interest income	$3,321,000	5,086
Provision for loan and lease losses	$0	7,314
Total noninterest income	$456,000	5,500
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$114,000	6,273
Trading account gains and fees	$0	138
Additional Noninterest Income	$342,000	4,018
Total noninterest expense	$2,833,000	4,865
Salaries and employee benefits	$1,564,000	4,796
Premises and equipment expense	$283,000	5,839
Additional noninterest expense	$986,000	4,397
Pre-tax net operating income	$944,000	5,390
Securities gains (losses)	$3,000	3,369
Applicable income taxes	$359,000	3,895
Income before extraordinary items	$588,000	5,994
Extraordinary gains, net	$0	34
Net income	$588,000	5,997
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,241
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$266,000	537
Net operating income	$586,080	5,937
2004-09-30 (YTD Data)		Rank
Total interest income	$3,822,000	4,766
Total interest expense	$1,426,000	3,756
Net interest income	$2,396,000	5,203
Provision for loan and lease losses	$0	7,100
Total noninterest income	$337,000	5,562
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$85,000	6,315
Trading account gains and fees	$0	134
Additional Noninterest Income	$252,000	4,051
Total noninterest expense	$1,942,000	5,137
Salaries and employee benefits	$1,003,000	5,309
Premises and equipment expense	$210,000	5,843
Additional noninterest expense	$729,000	4,384
Pre-tax net operating income	$791,000	5,216
Securities gains (losses)	$3,000	3,253
Applicable income taxes	$252,000	4,073
Income before extraordinary items	$542,000	5,614
Extraordinary gains, net	$0	26
Net income	$542,000	5,614
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	8,219
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$5,000	704
Net operating income	$539,960	5,561
2004-06-30 (YTD Data)		Rank
Total interest income	$2,498,000	4,852
Total interest expense	$924,000	3,843
Net interest income	$1,574,000	5,260
Provision for loan and lease losses	$0	6,885
Total noninterest income	$253,000	5,254
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$56,000	6,337
Trading account gains and fees	$0	130
Additional Noninterest Income	$197,000	3,766
Total noninterest expense	$1,284,000	5,187
Salaries and employee benefits	$651,000	5,438
Premises and equipment expense	$138,000	5,916
Additional noninterest expense	$495,000	4,353
Pre-tax net operating income	$543,000	5,099
Securities gains (losses)	$3,000	2,926
Applicable income taxes	$174,000	4,006
Income before extraordinary items	$372,000	5,513
Extraordinary gains, net	$0	21
Net income	$372,000	5,513
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$11,000	4,719
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$3,000	611
Net operating income	$369,960	5,435
2004-03-31 (YTD Data)		Rank
Total interest income	$1,259,000	4,840
Total interest expense	$468,000	3,851
Net interest income	$791,000	5,250
Provision for loan and lease losses	$0	6,501
Total noninterest income	$109,000	5,576
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$27,000	6,373
Trading account gains and fees	$0	121
Additional Noninterest Income	$82,000	4,114
Total noninterest expense	$650,000	5,164
Salaries and employee benefits	$333,000	5,370
Premises and equipment expense	$65,000	6,100
Additional noninterest expense	$252,000	4,289
Pre-tax net operating income	$250,000	5,280
Securities gains (losses)	$3,000	2,499
Applicable income taxes	$87,000	4,008
Income before extraordinary items	$166,000	5,778
Extraordinary gains, net	$0	16
Net income	$166,000	5,779
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,263
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$1,000	452
Net operating income	$164,020	5,678
2003-12-31 (YTD Data)		Rank
Total interest income	$5,238,000	4,740
Total interest expense	$2,189,000	3,728
Net interest income	$3,049,000	5,262
Provision for loan and lease losses	$76,000	5,707
Total noninterest income	$603,000	4,952
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$79,000	6,910
Trading account gains and fees	$0	160
Additional Noninterest Income	$524,000	3,500
Total noninterest expense	$2,880,000	4,740
Salaries and employee benefits	$1,345,000	5,223
Premises and equipment expense	$271,000	5,953
Additional noninterest expense	$1,264,000	3,581
Pre-tax net operating income	$696,000	6,025
Securities gains (losses)	$0	4,500
Applicable income taxes	$240,000	4,644
Income before extraordinary items	$456,000	6,544
Extraordinary gains, net	$0	54
Net income	$456,000	6,549
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,344
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$27,000	772
Net operating income	$456,000	6,375
2003-09-30 (YTD Data)		Rank
Total interest income	$3,905,000	4,814
Total interest expense	$1,686,000	3,757
Net interest income	$2,219,000	5,365
Provision for loan and lease losses	$64,000	5,444
Total noninterest income	$524,000	4,619
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$56,000	7,053
Trading account gains and fees	$0	153
Additional Noninterest Income	$468,000	3,246
Total noninterest expense	$2,180,000	4,692
Salaries and employee benefits	$973,000	5,343
Premises and equipment expense	$200,000	6,009
Additional noninterest expense	$1,007,000	3,377
Pre-tax net operating income	$499,000	6,289
Securities gains (losses)	$0	4,204
Applicable income taxes	$174,000	4,875
Income before extraordinary items	$325,000	6,800
Extraordinary gains, net	$0	40
Net income	$325,000	6,801
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	8,464
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$17,000	631
Net operating income	$325,000	6,629
2003-06-30 (YTD Data)		Rank
Total interest income	$2,621,000	4,825
Total interest expense	$1,168,000	3,748
Net interest income	$1,453,000	5,431
Provision for loan and lease losses	$45,000	5,281
Total noninterest income	$375,000	4,406
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$39,000	6,980
Trading account gains and fees	$0	150
Additional Noninterest Income	$336,000	3,095
Total noninterest expense	$1,213,000	5,298
Salaries and employee benefits	$647,000	5,376
Premises and equipment expense	$130,000	6,058
Additional noninterest expense	$436,000	4,702
Pre-tax net operating income	$570,000	4,975
Securities gains (losses)	$0	3,782
Applicable income taxes	$206,000	3,907
Income before extraordinary items	$364,000	5,635
Extraordinary gains, net	$0	30
Net income	$364,000	5,634
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	8,111
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$14,000	508
Net operating income	$364,000	5,427
2003-03-31 (YTD Data)		Rank
Total interest income	$1,296,000	4,885
Total interest expense	$596,000	3,773
Net interest income	$700,000	5,550
Provision for loan and lease losses	$23,000	5,064
Total noninterest income	$109,000	5,690
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$19,000	6,970
Trading account gains and fees	$0	134
Additional Noninterest Income	$90,000	4,120
Total noninterest expense	$580,000	5,454
Salaries and employee benefits	$327,000	5,335
Premises and equipment expense	$64,000	6,109
Additional noninterest expense	$189,000	5,173
Pre-tax net operating income	$206,000	5,775
Securities gains (losses)	$0	2,891
Applicable income taxes	$75,000	4,475
Income before extraordinary items	$131,000	6,347
Extraordinary gains, net	$0	21
Net income	$131,000	6,347
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	8,212
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$14,000	332
Net operating income	$131,000	6,170
2002-12-31 (YTD Data)		Rank
Total interest income	$5,345,000	4,938
Total interest expense	$2,537,000	4,056
Net interest income	$2,808,000	5,513
Provision for loan and lease losses	$93,000	5,851
Total noninterest income	$455,000	5,466
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$86,000	6,823
Trading account gains and fees	$0	153
Additional Noninterest Income	$369,000	3,835
Total noninterest expense	$2,361,000	5,280
Salaries and employee benefits	$1,213,000	5,446
Premises and equipment expense	$336,000	5,215
Additional noninterest expense	$812,000	4,872
Pre-tax net operating income	$809,000	5,743
Securities gains (losses)	$7,000	3,799
Applicable income taxes	$266,000	4,650
Income before extraordinary items	$550,000	6,182
Extraordinary gains, net	$0	70
Net income	$550,000	6,182
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$50,000	5,236
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$-141,000	9,259
Net operating income	$545,310	6,044
2001-12-31 (YTD Data)		Rank
Total interest income	$5,785,000	5,097
Total interest expense	$3,857,000	3,915
Net interest income	$1,928,000	6,539
Provision for loan and lease losses	$88,000	5,851
Total noninterest income	$228,000	7,032
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$73,000	7,109
Trading account gains and fees	$0	177
Additional Noninterest Income	$155,000	5,478
Total noninterest expense	$2,036,000	5,665
Salaries and employee benefits	$1,018,000	5,918
Premises and equipment expense	$276,000	5,792
Additional noninterest expense	$742,000	5,049
Pre-tax net operating income	$32,000	8,605
Securities gains (losses)	$11,000	3,540
Applicable income taxes	$-26,000	9,076
Income before extraordinary items	$69,000	8,506
Extraordinary gains, net	$0	105
Net income	$69,000	8,505
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$67,000	4,706
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$3,695,000	229
Net operating income	$58,000	8,474
2000-12-31 (YTD Data)		Rank
Total interest income	$5,284,000	5,540
Total interest expense	$3,450,000	4,432
Net interest income	$1,834,000	6,860
Provision for loan and lease losses	$428,000	2,148
Total noninterest income	$248,000	6,794
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$67,000	7,255
Trading account gains and fees	NA	NA
Additional Noninterest Income	$181,000	5,011
Total noninterest expense	$1,917,000	5,828
Salaries and employee benefits	$956,000	6,104
Premises and equipment expense	$292,000	5,509
Additional noninterest expense	$669,000	5,353
Pre-tax net operating income	$-263,000	9,390
Securities gains (losses)	$3,000	1,519
Applicable income taxes	$-89,000	9,564
Income before extraordinary items	$-171,000	9,346
Extraordinary gains, net	$0	38
Net income	$-171,000	9,345
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$258,000	2,014
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-172,980	9,346
1999-12-31 (YTD Data)		Rank
Total interest income	$4,707,000	5,782
Total interest expense	$2,819,000	4,827
Net interest income	$1,888,000	6,841
Provision for loan and lease losses	$48,000	6,602
Total noninterest income	$129,000	8,405
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$29,000	8,320
Trading account gains and fees	NA	NA
Additional Noninterest Income	$100,000	6,650
Total noninterest expense	$1,601,000	6,533
Salaries and employee benefits	$745,000	7,005
Premises and equipment expense	$238,000	6,214
Additional noninterest expense	$618,000	5,713
Pre-tax net operating income	$368,000	7,748
Securities gains (losses)	$0	3,155
Applicable income taxes	$114,000	6,736
Income before extraordinary items	$254,000	7,906
Extraordinary gains, net	$0	35
Net income	$254,000	7,906
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$51,000	4,803
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$254,000	7,880
1998-12-31 (YTD Data)		Rank
Total interest income	$4,234,000	6,276
Total interest expense	$2,512,000	5,348
Net interest income	$1,722,000	7,234
Provision for loan and lease losses	$48,000	6,686
Total noninterest income	$109,000	8,860
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$23,000	8,653
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	6,994
Total noninterest expense	$1,323,000	7,186
Salaries and employee benefits	$587,000	7,833
Premises and equipment expense	$177,000	7,107
Additional noninterest expense	$559,000	6,024
Pre-tax net operating income	$460,000	7,583
Securities gains (losses)	$1,000	4,151
Applicable income taxes	$147,000	6,882
Income before extraordinary items	$314,000	7,772
Extraordinary gains, net	$0	32
Net income	$314,000	7,771
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$37,000	5,453
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$313,320	7,692
1997-12-31 (YTD Data)		Rank
Total interest income	$3,924,000	6,725
Total interest expense	$2,408,000	5,550
Net interest income	$1,516,000	7,942
Provision for loan and lease losses	$48,000	6,747
Total noninterest income	$159,000	8,440
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$37,000	8,760
Trading account gains and fees	NA	NA
Additional Noninterest Income	$122,000	6,233
Total noninterest expense	$1,178,000	7,747
Salaries and employee benefits	$514,000	8,506
Premises and equipment expense	$166,000	7,452
Additional noninterest expense	$498,000	6,514
Pre-tax net operating income	$449,000	8,189
Securities gains (losses)	$-9,000	9,978
Applicable income taxes	$134,000	7,847
Income before extraordinary items	$306,000	8,333
Extraordinary gains, net	$0	44
Net income	$306,000	8,335
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	7,455
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$312,300	8,240
1996-12-31 (YTD Data)		Rank
Total interest income	$3,842,000	7,013
Total interest expense	$2,322,000	5,811
Net interest income	$1,520,000	8,225
Provision for loan and lease losses	$60,000	6,086
Total noninterest income	$126,000	9,423
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$40,000	9,108
Trading account gains and fees	NA	NA
Additional Noninterest Income	$86,000	7,551
Total noninterest expense	$1,548,000	6,978
Salaries and employee benefits	$556,000	8,439
Premises and equipment expense	$134,000	8,428
Additional noninterest expense	$858,000	4,923
Pre-tax net operating income	$38,000	10,649
Securities gains (losses)	$-12,000	10,370
Applicable income taxes	$0	10,572
Income before extraordinary items	$26,000	10,703
Extraordinary gains, net	$0	53
Net income	$26,000	10,699
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,815
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$38,000	10,591
1995-12-31 (YTD Data)		Rank
Total interest income	$3,791,000	7,217
Total interest expense	$2,264,000	5,951
Net interest income	$1,527,000	8,458
Provision for loan and lease losses	$60,000	5,704
Total noninterest income	$580,000	4,689
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$39,000	9,556
Trading account gains and fees	NA	NA
Additional Noninterest Income	$541,000	2,725
Total noninterest expense	$1,318,000	7,817
Salaries and employee benefits	$620,000	8,240
Premises and equipment expense	$134,000	8,673
Additional noninterest expense	$564,000	6,756
Pre-tax net operating income	$729,000	7,169
Securities gains (losses)	$4,000	2,936
Applicable income taxes	$211,000	7,247
Income before extraordinary items	$522,000	7,089
Extraordinary gains, net	$0	65
Net income	$522,000	7,088
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$53,000	5,035
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$519,160	7,086
1994-12-31 (YTD Data)		Rank
Total interest income	$3,460,000	7,392
Total interest expense	$1,903,000	5,824
Net interest income	$1,557,000	8,710
Provision for loan and lease losses	$60,000	5,594
Total noninterest income	$152,000	9,667
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$36,000	10,160
Trading account gains and fees	NA	NA
Additional Noninterest Income	$116,000	7,032
Total noninterest expense	$1,210,000	8,568
Salaries and employee benefits	$561,000	8,878
Premises and equipment expense	$116,000	9,514
Additional noninterest expense	$533,000	7,577
Pre-tax net operating income	$439,000	9,065
Securities gains (losses)	$29,000	1,487
Applicable income taxes	$155,000	8,217
Income before extraordinary items	$313,000	9,003
Extraordinary gains, net	$0	249
Net income	$313,000	9,006
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-6,000	10,519
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$293,570	9,284
1993-12-31 (YTD Data)		Rank
Total interest income	$3,928,000	6,948
Total interest expense	$2,109,000	5,585
Net interest income	$1,819,000	8,193
Provision for loan and lease losses	$58,000	7,185
Total noninterest income	$238,000	8,569
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$34,000	10,611
Trading account gains and fees	NA	NA
Additional Noninterest Income	$204,000	5,605
Total noninterest expense	$1,270,000	8,618
Salaries and employee benefits	$614,000	8,684
Premises and equipment expense	$122,000	9,724
Additional noninterest expense	$534,000	7,919
Pre-tax net operating income	$729,000	7,205
Securities gains (losses)	$7,000	5,826
Applicable income taxes	$256,000	6,691
Income before extraordinary items	$480,000	7,706
Extraordinary gains, net	$74,000	1,859
Net income	$554,000	7,288
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	8,678
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$475,450	7,486
1992-12-31 (YTD Data)		Rank
Total interest income	$4,348,000	7,076
Total interest expense	$2,609,000	5,778
Net interest income	$1,739,000	8,534
Provision for loan and lease losses	$30,000	9,956
Total noninterest income	$148,000	10,533
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$25,000	11,220
Trading account gains and fees	NA	NA
Additional Noninterest Income	$123,000	7,370
Total noninterest expense	$1,290,000	8,696
Salaries and employee benefits	$647,000	8,404
Premises and equipment expense	$140,000	9,399
Additional noninterest expense	$503,000	8,429
Pre-tax net operating income	$567,000	7,940
Securities gains (losses)	$0	8,369
Applicable income taxes	$200,000	7,567
Income before extraordinary items	$367,000	8,535
Extraordinary gains, net	$0	1,422
Net income	$367,000	8,663
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	10,474
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$367,000	8,177

* 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.