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Commercial Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,715,000 | 4,173 |
| Total interest expense | $3,472,000 | 4,226 |
| Net interest income | $4,243,000 | 4,093 |
| Provision for loan and lease losses | $605,000 | 1,489 |
| Total noninterest income | $1,199,000 | 2,685 |
| Gross Fiduciary activities income | $103,000 | 1,099 |
| Service charges on deposit accounts | $488,000 | 2,769 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $608,000 | 2,549 |
| Total noninterest expense | $3,057,000 | 4,248 |
| Salaries and employee benefits | $1,243,000 | 5,051 |
| Premises and equipment expense | $408,000 | 4,461 |
| Additional noninterest expense | $1,406,000 | 3,297 |
| Pre-tax net operating income | $1,780,000 | 3,768 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $570,000 | 3,735 |
| Income before extraordinary items | $1,210,000 | 3,855 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,210,000 | 3,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $576,000 | 1,275 |
| Cash dividends | $961,000 | 2,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,210,000 | 3,798 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,113,000 | 6,868 |
| Total interest expense | $1,925,000 | 6,639 |
| Net interest income | $2,188,000 | 6,892 |
| Provision for loan and lease losses | $151,000 | 3,608 |
| Total noninterest income | $473,000 | 5,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 5,038 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,721 |
| Total noninterest expense | $1,639,000 | 6,868 |
| Salaries and employee benefits | $748,000 | 7,411 |
| Premises and equipment expense | $237,000 | 6,557 |
| Additional noninterest expense | $654,000 | 6,170 |
| Pre-tax net operating income | $871,000 | 6,553 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $278,000 | 6,270 |
| Income before extraordinary items | $593,000 | 6,656 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $593,000 | 6,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,732 |
| Cash dividends | $2,891,000 | 952 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $593,000 | 6,637 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,957,000 | 4,244 |
| Total interest expense | $2,421,000 | 4,784 |
| Net interest income | $4,536,000 | 3,899 |
| Provision for loan and lease losses | $722,000 | 1,179 |
| Total noninterest income | $1,511,000 | 2,278 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $401,000 | 3,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,110,000 | 1,720 |
| Total noninterest expense | $3,814,000 | 3,569 |
| Salaries and employee benefits | $1,766,000 | 3,687 |
| Premises and equipment expense | $727,000 | 2,746 |
| Additional noninterest expense | $1,321,000 | 3,733 |
| Pre-tax net operating income | $1,511,000 | 4,386 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $494,000 | 4,087 |
| Income before extraordinary items | $1,017,000 | 4,483 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,017,000 | 4,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 1,538 |
| Cash dividends | $1,875,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,017,000 | 4,524 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,151,000 | 4,239 |
| Total interest expense | $2,672,000 | 4,544 |
| Net interest income | $4,479,000 | 3,956 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $1,245,000 | 2,824 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $833,000 | 2,329 |
| Total noninterest expense | $4,182,000 | 3,341 |
| Salaries and employee benefits | $1,631,000 | 3,959 |
| Premises and equipment expense | $824,000 | 2,483 |
| Additional noninterest expense | $1,727,000 | 3,086 |
| Pre-tax net operating income | $1,292,000 | 4,884 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $413,000 | 4,893 |
| Income before extraordinary items | $880,000 | 5,184 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $880,000 | 5,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,789 |
| Cash dividends | $525,000 | 2,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $879,320 | 4,963 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,544,000 | 4,518 |
| Total interest expense | $3,436,000 | 4,611 |
| Net interest income | $4,108,000 | 4,341 |
| Provision for loan and lease losses | $414,000 | 3,384 |
| Total noninterest income | $1,183,000 | 2,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,970 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $713,000 | 2,500 |
| Total noninterest expense | $3,906,000 | 3,581 |
| Salaries and employee benefits | $1,525,000 | 4,172 |
| Premises and equipment expense | $755,000 | 2,753 |
| Additional noninterest expense | $1,626,000 | 3,367 |
| Pre-tax net operating income | $971,000 | 5,748 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $290,000 | 6,069 |
| Income before extraordinary items | $690,000 | 5,985 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $690,000 | 6,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 3,081 |
| Cash dividends | $150,000 | 5,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $683,700 | 5,681 |
* 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.