Home > Community Bank of Northern Virginia > Income and Expense
Community Bank of Northern Virginia, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,030,000 | 631 |
| Total interest expense | $4,326,000 | 564 |
| Net interest income | $7,704,000 | 663 |
| Provision for loan and lease losses | $600,000 | 397 |
| Total noninterest income | $561,000 | 1,968 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $177,000 | 2,231 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $384,000 | 1,596 |
| Total noninterest expense | $5,496,000 | 760 |
| Salaries and employee benefits | $2,228,000 | 1,002 |
| Premises and equipment expense | $720,000 | 820 |
| Additional noninterest expense | $2,548,000 | 541 |
| Pre-tax net operating income | $2,169,000 | 1,068 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $870,000 | 849 |
| Income before extraordinary items | $1,299,000 | 1,330 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,299,000 | 1,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $531,000 | 331 |
| Cash dividends | $1,017,000 | 640 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 274 |
| Net operating income | $1,299,000 | 1,300 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $45,949,000 | 616 |
| Total interest expense | $15,094,000 | 550 |
| Net interest income | $30,855,000 | 647 |
| Provision for loan and lease losses | $4,600,000 | 268 |
| Total noninterest income | $2,249,000 | 2,027 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $632,000 | 2,587 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,617,000 | 1,543 |
| Total noninterest expense | $15,918,000 | 1,017 |
| Salaries and employee benefits | $7,591,000 | 1,130 |
| Premises and equipment expense | $2,836,000 | 802 |
| Additional noninterest expense | $5,491,000 | 913 |
| Pre-tax net operating income | $12,586,000 | 712 |
| Securities gains (losses) | $70,000 | 1,492 |
| Applicable income taxes | $3,537,000 | 785 |
| Income before extraordinary items | $9,119,000 | 733 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,119,000 | 734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,078,000 | 269 |
| Cash dividends | $3,962,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $348,000 | 510 |
| Net operating income | $9,068,600 | 705 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $33,844,000 | 622 |
| Total interest expense | $10,849,000 | 557 |
| Net interest income | $22,995,000 | 644 |
| Provision for loan and lease losses | $3,450,000 | 284 |
| Total noninterest income | $1,590,000 | 2,123 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $466,000 | 2,645 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,124,000 | 1,627 |
| Total noninterest expense | $11,835,000 | 1,026 |
| Salaries and employee benefits | $5,462,000 | 1,196 |
| Premises and equipment expense | $2,124,000 | 796 |
| Additional noninterest expense | $4,249,000 | 873 |
| Pre-tax net operating income | $9,300,000 | 730 |
| Securities gains (losses) | $98,000 | 1,185 |
| Applicable income taxes | $2,698,000 | 793 |
| Income before extraordinary items | $6,700,000 | 754 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,700,000 | 755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,704,000 | 390 |
| Cash dividends | $2,945,000 | 718 |
| Sale, conversion, retirement of capital stock, net | $348,000 | 386 |
| Net operating income | $6,630,420 | 726 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $21,775,000 | 636 |
| Total interest expense | $6,893,000 | 577 |
| Net interest income | $14,882,000 | 652 |
| Provision for loan and lease losses | $2,330,000 | 286 |
| Total noninterest income | $916,000 | 2,334 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $295,000 | 2,746 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $621,000 | 1,875 |
| Total noninterest expense | $7,733,000 | 1,031 |
| Salaries and employee benefits | $3,558,000 | 1,225 |
| Premises and equipment expense | $1,346,000 | 837 |
| Additional noninterest expense | $2,829,000 | 877 |
| Pre-tax net operating income | $5,735,000 | 766 |
| Securities gains (losses) | $102,000 | 1,014 |
| Applicable income taxes | $1,705,000 | 825 |
| Income before extraordinary items | $4,132,000 | 797 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,132,000 | 797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 1,230 |
| Cash dividends | $1,930,000 | 732 |
| Sale, conversion, retirement of capital stock, net | $348,000 | 291 |
| Net operating income | $4,059,580 | 778 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $10,714,000 | 652 |
| Total interest expense | $3,329,000 | 614 |
| Net interest income | $7,385,000 | 663 |
| Provision for loan and lease losses | $480,000 | 537 |
| Total noninterest income | $479,000 | 2,222 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $137,000 | 2,859 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $342,000 | 1,712 |
| Total noninterest expense | $4,004,000 | 1,019 |
| Salaries and employee benefits | $1,952,000 | 1,114 |
| Premises and equipment expense | $634,000 | 896 |
| Additional noninterest expense | $1,418,000 | 876 |
| Pre-tax net operating income | $3,380,000 | 661 |
| Securities gains (losses) | $107,000 | 766 |
| Applicable income taxes | $1,050,000 | 707 |
| Income before extraordinary items | $2,437,000 | 689 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,437,000 | 689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 843 |
| Cash dividends | $913,000 | 735 |
| Sale, conversion, retirement of capital stock, net | $172,000 | 213 |
| Net operating income | $2,362,100 | 656 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $40,634,000 | 690 |
| Total interest expense | $12,911,000 | 686 |
| Net interest income | $27,723,000 | 676 |
| Provision for loan and lease losses | $2,300,000 | 585 |
| Total noninterest income | $1,871,000 | 2,426 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $558,000 | 2,849 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,313,000 | 1,998 |
| Total noninterest expense | $16,748,000 | 979 |
| Salaries and employee benefits | $7,342,000 | 1,162 |
| Premises and equipment expense | $3,012,000 | 755 |
| Additional noninterest expense | $6,394,000 | 804 |
| Pre-tax net operating income | $10,546,000 | 820 |
| Securities gains (losses) | $804,000 | 556 |
| Applicable income taxes | $3,472,000 | 823 |
| Income before extraordinary items | $7,878,000 | 825 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,878,000 | 828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,251,000 | 772 |
| Cash dividends | $3,031,000 | 979 |
| Sale, conversion, retirement of capital stock, net | $623,000 | 463 |
| Net operating income | $7,323,240 | 827 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $29,870,000 | 719 |
| Total interest expense | $9,725,000 | 709 |
| Net interest income | $20,145,000 | 712 |
| Provision for loan and lease losses | $1,550,000 | 632 |
| Total noninterest income | $1,473,000 | 2,393 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $425,000 | 2,827 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,048,000 | 1,986 |
| Total noninterest expense | $12,456,000 | 992 |
| Salaries and employee benefits | $5,153,000 | 1,262 |
| Premises and equipment expense | $2,230,000 | 774 |
| Additional noninterest expense | $5,073,000 | 768 |
| Pre-tax net operating income | $7,612,000 | 880 |
| Securities gains (losses) | $742,000 | 539 |
| Applicable income taxes | $2,619,000 | 868 |
| Income before extraordinary items | $5,735,000 | 887 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,735,000 | 887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,044,000 | 676 |
| Cash dividends | $2,221,000 | 932 |
| Sale, conversion, retirement of capital stock, net | $611,000 | 353 |
| Net operating income | $5,223,020 | 897 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,898,000 | 730 |
| Total interest expense | $6,666,000 | 713 |
| Net interest income | $13,232,000 | 720 |
| Provision for loan and lease losses | $950,000 | 663 |
| Total noninterest income | $1,026,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $290,000 | 2,728 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $736,000 | 1,895 |
| Total noninterest expense | $8,879,000 | 923 |
| Salaries and employee benefits | $3,473,000 | 1,234 |
| Premises and equipment expense | $1,486,000 | 776 |
| Additional noninterest expense | $3,920,000 | 684 |
| Pre-tax net operating income | $4,429,000 | 984 |
| Securities gains (losses) | $671,000 | 481 |
| Applicable income taxes | $1,600,000 | 944 |
| Income before extraordinary items | $3,500,000 | 960 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,500,000 | 960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $587,000 | 766 |
| Cash dividends | $1,411,000 | 985 |
| Sale, conversion, retirement of capital stock, net | $409,000 | 277 |
| Net operating income | $3,037,010 | 1,019 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $9,917,000 | 745 |
| Total interest expense | $3,355,000 | 727 |
| Net interest income | $6,562,000 | 727 |
| Provision for loan and lease losses | $400,000 | 718 |
| Total noninterest income | $763,000 | 1,647 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $144,000 | 2,659 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $619,000 | 1,267 |
| Total noninterest expense | $3,485,000 | 1,151 |
| Salaries and employee benefits | $1,966,000 | 1,075 |
| Premises and equipment expense | $745,000 | 782 |
| Additional noninterest expense | $774,000 | 1,527 |
| Pre-tax net operating income | $3,440,000 | 659 |
| Securities gains (losses) | $431,000 | 394 |
| Applicable income taxes | $1,252,000 | 654 |
| Income before extraordinary items | $2,619,000 | 653 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,619,000 | 652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,125 |
| Cash dividends | $706,000 | 907 |
| Sale, conversion, retirement of capital stock, net | $388,000 | 157 |
| Net operating income | $2,325,920 | 676 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $41,198,000 | 740 |
| Total interest expense | $16,694,000 | 678 |
| Net interest income | $24,504,000 | 769 |
| Provision for loan and lease losses | $3,399,000 | 503 |
| Total noninterest income | $34,941,000 | 278 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $536,000 | 2,808 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $34,405,000 | 221 |
| Total noninterest expense | $45,326,000 | 405 |
| Salaries and employee benefits | $21,672,000 | 402 |
| Premises and equipment expense | $5,797,000 | 416 |
| Additional noninterest expense | $17,857,000 | 380 |
| Pre-tax net operating income | $10,720,000 | 813 |
| Securities gains (losses) | $443,000 | 714 |
| Applicable income taxes | $3,644,000 | 784 |
| Income before extraordinary items | $7,519,000 | 837 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,519,000 | 836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,313,000 | 760 |
| Cash dividends | $1,853,000 | 1,392 |
| Sale, conversion, retirement of capital stock, net | $8,142,000 | 80 |
| Net operating income | $7,222,190 | 837 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $42,167,000 | 808 |
| Total interest expense | $20,876,000 | 785 |
| Net interest income | $21,291,000 | 824 |
| Provision for loan and lease losses | $6,833,000 | 293 |
| Total noninterest income | $48,225,000 | 235 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $578,000 | 2,503 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $47,647,000 | 185 |
| Total noninterest expense | $57,061,000 | 328 |
| Salaries and employee benefits | $29,765,000 | 274 |
| Premises and equipment expense | $6,233,000 | 377 |
| Additional noninterest expense | $21,063,000 | 344 |
| Pre-tax net operating income | $5,622,000 | 1,314 |
| Securities gains (losses) | $269,000 | 959 |
| Applicable income taxes | $1,893,000 | 1,232 |
| Income before extraordinary items | $3,998,000 | 1,368 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,998,000 | 1,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,850,000 | 605 |
| Cash dividends | $1,643,000 | 1,546 |
| Sale, conversion, retirement of capital stock, net | $1,297,000 | 365 |
| Net operating income | $3,815,080 | 1,358 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $30,462,000 | 1,160 |
| Total interest expense | $14,569,000 | 1,190 |
| Net interest income | $15,893,000 | 1,111 |
| Provision for loan and lease losses | $1,470,000 | 777 |
| Total noninterest income | $56,143,000 | 213 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $528,000 | 2,567 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $55,615,000 | 164 |
| Total noninterest expense | $63,702,000 | 284 |
| Salaries and employee benefits | $25,915,000 | 294 |
| Premises and equipment expense | $6,498,000 | 353 |
| Additional noninterest expense | $31,289,000 | 260 |
| Pre-tax net operating income | $6,864,000 | 1,106 |
| Securities gains (losses) | $-15,000 | 8,587 |
| Applicable income taxes | $2,322,000 | 1,026 |
| Income before extraordinary items | $4,527,000 | 1,168 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,527,000 | 1,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $477,000 | 1,281 |
| Cash dividends | $846,000 | 2,567 |
| Sale, conversion, retirement of capital stock, net | $6,671,000 | 134 |
| Net operating income | $4,536,900 | 1,164 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $21,280,000 | 1,540 |
| Total interest expense | $9,329,000 | 1,613 |
| Net interest income | $11,951,000 | 1,466 |
| Provision for loan and lease losses | $1,755,000 | 628 |
| Total noninterest income | $19,595,000 | 398 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $449,000 | 2,899 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $19,146,000 | 309 |
| Total noninterest expense | $23,686,000 | 667 |
| Salaries and employee benefits | $10,028,000 | 702 |
| Premises and equipment expense | $1,666,000 | 1,210 |
| Additional noninterest expense | $11,992,000 | 529 |
| Pre-tax net operating income | $6,105,000 | 1,257 |
| Securities gains (losses) | $-58,000 | 9,826 |
| Applicable income taxes | $1,988,000 | 1,237 |
| Income before extraordinary items | $4,059,000 | 1,337 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,059,000 | 1,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $540,000 | 1,144 |
| Cash dividends | $394,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $3,380,000 | 341 |
| Net operating income | $4,097,860 | 1,304 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,528,000 | 2,402 |
| Total interest expense | $6,454,000 | 2,333 |
| Net interest income | $7,074,000 | 2,404 |
| Provision for loan and lease losses | $940,000 | 1,024 |
| Total noninterest income | $3,859,000 | 1,118 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $318,000 | 3,762 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,541,000 | 815 |
| Total noninterest expense | $7,016,000 | 1,853 |
| Salaries and employee benefits | $2,892,000 | 2,333 |
| Premises and equipment expense | $1,051,000 | 1,882 |
| Additional noninterest expense | $3,073,000 | 1,420 |
| Pre-tax net operating income | $2,977,000 | 2,395 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $948,000 | 2,402 |
| Income before extraordinary items | $2,029,000 | 2,513 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,029,000 | 2,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 1,674 |
| Cash dividends | $263,000 | 4,866 |
| Sale, conversion, retirement of capital stock, net | $3,580,000 | 301 |
| Net operating income | $2,029,000 | 2,437 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,507,000 | 3,755 |
| Total interest expense | $3,845,000 | 3,829 |
| Net interest income | $4,662,000 | 3,719 |
| Provision for loan and lease losses | $290,000 | 2,696 |
| Total noninterest income | $1,245,000 | 2,550 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $288,000 | 4,208 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $957,000 | 1,788 |
| Total noninterest expense | $4,246,000 | 3,009 |
| Salaries and employee benefits | $1,929,000 | 3,420 |
| Premises and equipment expense | $744,000 | 2,592 |
| Additional noninterest expense | $1,573,000 | 2,607 |
| Pre-tax net operating income | $1,371,000 | 4,787 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $414,000 | 4,777 |
| Income before extraordinary items | $958,000 | 4,848 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $958,000 | 4,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 9,989 |
| Cash dividends | $190,000 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 988 |
| Net operating income | $957,300 | 4,794 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,640,000 | 4,787 |
| Total interest expense | $3,035,000 | 4,741 |
| Net interest income | $3,605,000 | 4,709 |
| Provision for loan and lease losses | $190,000 | 3,537 |
| Total noninterest income | $888,000 | 3,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,456 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $609,000 | 2,546 |
| Total noninterest expense | $3,220,000 | 4,074 |
| Salaries and employee benefits | $1,458,000 | 4,425 |
| Premises and equipment expense | $492,000 | 3,825 |
| Additional noninterest expense | $1,270,000 | 3,608 |
| Pre-tax net operating income | $1,083,000 | 5,472 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $339,000 | 5,432 |
| Income before extraordinary items | $744,000 | 5,553 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $744,000 | 5,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,273 |
| Cash dividends | $169,000 | 5,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $744,000 | 5,505 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,819,000 | 5,330 |
| Total interest expense | $2,577,000 | 5,427 |
| Net interest income | $3,242,000 | 5,175 |
| Provision for loan and lease losses | $218,000 | 2,861 |
| Total noninterest income | $474,000 | 5,383 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $286,000 | 4,464 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,298 |
| Total noninterest expense | $2,298,000 | 5,359 |
| Salaries and employee benefits | $1,026,000 | 5,927 |
| Premises and equipment expense | $320,000 | 5,351 |
| Additional noninterest expense | $952,000 | 4,541 |
| Pre-tax net operating income | $1,200,000 | 5,243 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $469,000 | 4,396 |
| Income before extraordinary items | $731,000 | 5,809 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $731,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,982 |
| Cash dividends | $169,000 | 5,861 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 789 |
| Net operating income | $731,000 | 5,792 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,547,000 | 6,095 |
| Total interest expense | $1,885,000 | 5,868 |
| Net interest income | $2,662,000 | 6,154 |
| Provision for loan and lease losses | $175,000 | 3,305 |
| Total noninterest income | $378,000 | 6,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,797 |
| Total noninterest expense | $1,956,000 | 6,317 |
| Salaries and employee benefits | $830,000 | 7,047 |
| Premises and equipment expense | $270,000 | 6,171 |
| Additional noninterest expense | $856,000 | 5,397 |
| Pre-tax net operating income | $909,000 | 6,346 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $281,000 | 6,110 |
| Income before extraordinary items | $628,000 | 6,343 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $628,000 | 6,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,255 |
| Cash dividends | $148,000 | 6,174 |
| Sale, conversion, retirement of capital stock, net | $858,000 | 461 |
| Net operating income | $628,000 | 6,424 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,956,000 | 8,410 |
| Total interest expense | $1,341,000 | 7,735 |
| Net interest income | $1,615,000 | 8,757 |
| Provision for loan and lease losses | $85,000 | 6,189 |
| Total noninterest income | $337,000 | 7,188 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,318 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,826 |
| Total noninterest expense | $1,507,000 | 7,809 |
| Salaries and employee benefits | $607,000 | 8,744 |
| Premises and equipment expense | $211,000 | 7,471 |
| Additional noninterest expense | $689,000 | 6,643 |
| Pre-tax net operating income | $360,000 | 9,729 |
| Securities gains (losses) | $84,000 | 2,738 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $444,000 | 8,019 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $444,000 | 8,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 7,224 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $2,282,000 | 332 |
| Net operating income | $360,000 | 8,569 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,064,000 | 10,773 |
| Total interest expense | $1,234,000 | 9,478 |
| Net interest income | $830,000 | 11,791 |
| Provision for loan and lease losses | $35,000 | 9,755 |
| Total noninterest income | $237,000 | 8,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $164,000 | 6,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 9,151 |
| Total noninterest expense | $1,429,000 | 8,178 |
| Salaries and employee benefits | $634,000 | 8,518 |
| Premises and equipment expense | $131,000 | 9,652 |
| Additional noninterest expense | $664,000 | 7,000 |
| Pre-tax net operating income | $-397,000 | 13,233 |
| Securities gains (losses) | $62,000 | 3,771 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-335,000 | 13,277 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-335,000 | 13,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,853,000 | 757 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-397,000 | 13,218 |
* 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.