Home > Consumer National Bank > Income and Expense

Consumer National Bank, Income and Expense

2006-03-31 (YTD Data)		Rank
Total interest income	$857,000	6,480
Total interest expense	$362,000	5,943
Net interest income	$495,000	6,712
Provision for loan and lease losses	$0	6,013
Total noninterest income	$124,000	5,127
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$118,000	3,110
Trading account gains and fees	$0	115
Additional Noninterest Income	$6,000	7,952
Total noninterest expense	$543,000	5,931
Salaries and employee benefits	$280,000	6,144
Premises and equipment expense	$69,000	5,991
Additional noninterest expense	$194,000	5,276
Pre-tax net operating income	$76,000	7,364
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$76,000	7,105
Extraordinary gains, net	$0	21
Net income	$76,000	7,105
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,838
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$76,000	7,111
2005-12-31 (YTD Data)		Rank
Total interest income	$2,693,000	6,844
Total interest expense	$949,000	6,408
Net interest income	$1,744,000	6,971
Provision for loan and lease losses	$183,000	3,729
Total noninterest income	$487,000	5,304
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$449,000	3,285
Trading account gains and fees	$0	138
Additional Noninterest Income	$38,000	7,667
Total noninterest expense	$1,740,000	6,501
Salaries and employee benefits	$971,000	6,431
Premises and equipment expense	$287,000	5,855
Additional noninterest expense	$482,000	6,680
Pre-tax net operating income	$308,000	7,350
Securities gains (losses)	$0	2,296
Applicable income taxes	$0	6,964
Income before extraordinary items	$308,000	7,150
Extraordinary gains, net	$0	46
Net income	$308,000	7,151
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	4,365
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$60,000	782
Net operating income	$308,000	7,134
2005-09-30 (YTD Data)		Rank
Total interest income	$1,942,000	6,944
Total interest expense	$671,000	6,473
Net interest income	$1,271,000	7,068
Provision for loan and lease losses	$163,000	3,357
Total noninterest income	$359,000	5,368
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$326,000	3,372
Trading account gains and fees	$0	126
Additional Noninterest Income	$33,000	7,552
Total noninterest expense	$1,215,000	6,694
Salaries and employee benefits	$658,000	6,704
Premises and equipment expense	$217,000	5,836
Additional noninterest expense	$340,000	6,799
Pre-tax net operating income	$252,000	7,413
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$252,000	7,176
Extraordinary gains, net	$0	35
Net income	$252,000	7,176
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	3,028
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$252,000	7,139
2005-06-30 (YTD Data)		Rank
Total interest income	$1,223,000	7,033
Total interest expense	$415,000	6,516
Net interest income	$808,000	7,164
Provision for loan and lease losses	$113,000	3,193
Total noninterest income	$243,000	5,280
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$222,000	3,268
Trading account gains and fees	$0	116
Additional Noninterest Income	$21,000	7,597
Total noninterest expense	$765,000	6,854
Salaries and employee benefits	$428,000	6,761
Premises and equipment expense	$146,000	5,777
Additional noninterest expense	$191,000	7,181
Pre-tax net operating income	$173,000	7,388
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$173,000	7,133
Extraordinary gains, net	$0	30
Net income	$173,000	7,134
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	3,161
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$173,000	7,101
2005-03-31 (YTD Data)		Rank
Total interest income	$579,000	7,181
Total interest expense	$192,000	6,643
Net interest income	$387,000	7,327
Provision for loan and lease losses	$58,000	3,022
Total noninterest income	$114,000	5,400
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$103,000	3,372
Trading account gains and fees	$0	115
Additional Noninterest Income	$11,000	7,631
Total noninterest expense	$364,000	7,017
Salaries and employee benefits	$215,000	6,807
Premises and equipment expense	$71,000	5,908
Additional noninterest expense	$78,000	7,612
Pre-tax net operating income	$79,000	7,504
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$79,000	7,257
Extraordinary gains, net	$0	24
Net income	$79,000	7,257
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	2,258
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$79,000	7,225
2004-12-31 (YTD Data)		Rank
Total interest income	$1,964,000	7,420
Total interest expense	$602,000	6,934
Net interest income	$1,362,000	7,507
Provision for loan and lease losses	$205,000	3,640
Total noninterest income	$459,000	5,480
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$428,000	3,488
Trading account gains and fees	$0	138
Additional Noninterest Income	$31,000	7,936
Total noninterest expense	$1,428,000	7,015
Salaries and employee benefits	$841,000	6,807
Premises and equipment expense	$238,000	6,319
Additional noninterest expense	$349,000	7,413
Pre-tax net operating income	$188,000	7,819
Securities gains (losses)	$0	3,819
Applicable income taxes	$0	7,185
Income before extraordinary items	$188,000	7,708
Extraordinary gains, net	$0	34
Net income	$188,000	7,709
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$71,000	4,147
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$10,000	818
Net operating income	$188,000	7,667
2004-09-30 (YTD Data)		Rank
Total interest income	$1,396,000	7,553
Total interest expense	$420,000	7,101
Net interest income	$976,000	7,622
Provision for loan and lease losses	$185,000	3,119
Total noninterest income	$352,000	5,451
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$332,000	3,433
Trading account gains and fees	$0	134
Additional Noninterest Income	$20,000	8,070
Total noninterest expense	$1,027,000	7,097
Salaries and employee benefits	$613,000	6,845
Premises and equipment expense	$172,000	6,401
Additional noninterest expense	$242,000	7,566
Pre-tax net operating income	$116,000	8,052
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$116,000	7,986
Extraordinary gains, net	$0	26
Net income	$116,000	7,989
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$70,000	3,331
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$10,000	686
Net operating income	$116,000	7,933
2004-06-30 (YTD Data)		Rank
Total interest income	$881,000	7,699
Total interest expense	$261,000	7,297
Net interest income	$620,000	7,753
Provision for loan and lease losses	$105,000	3,376
Total noninterest income	$232,000	5,474
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$219,000	3,436
Trading account gains and fees	$0	130
Additional Noninterest Income	$13,000	8,126
Total noninterest expense	$681,000	7,164
Salaries and employee benefits	$402,000	6,935
Premises and equipment expense	$105,000	6,680
Additional noninterest expense	$174,000	7,443
Pre-tax net operating income	$66,000	8,148
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$66,000	8,107
Extraordinary gains, net	$0	21
Net income	$66,000	8,111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	3,529
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$10,000	580
Net operating income	$66,000	8,049
2004-03-31 (YTD Data)		Rank
Total interest income	$434,000	7,770
Total interest expense	$122,000	7,488
Net interest income	$312,000	7,767
Provision for loan and lease losses	$95,000	2,197
Total noninterest income	$111,000	5,539
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$108,000	3,400
Trading account gains and fees	$0	121
Additional Noninterest Income	$3,000	8,561
Total noninterest expense	$312,000	7,417
Salaries and employee benefits	$200,000	6,988
Premises and equipment expense	$47,000	6,927
Additional noninterest expense	$65,000	8,009
Pre-tax net operating income	$16,000	8,360
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$16,000	8,388
Extraordinary gains, net	$0	16
Net income	$16,000	8,389
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	2,425
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$10,000	405
Net operating income	$16,000	8,321
2003-12-31 (YTD Data)		Rank
Total interest income	$1,693,000	7,871
Total interest expense	$518,000	7,678
Net interest income	$1,175,000	7,850
Provision for loan and lease losses	$400,000	2,580
Total noninterest income	$375,000	6,104
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$342,000	4,011
Trading account gains and fees	$0	160
Additional Noninterest Income	$33,000	8,018
Total noninterest expense	$1,261,000	7,342
Salaries and employee benefits	$710,000	7,269
Premises and equipment expense	$228,000	6,454
Additional noninterest expense	$323,000	7,617
Pre-tax net operating income	$-111,000	8,643
Securities gains (losses)	$0	4,500
Applicable income taxes	$0	7,459
Income before extraordinary items	$-111,000	8,727
Extraordinary gains, net	$0	54
Net income	$-111,000	8,730
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$406,000	1,867
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$1,388,000	388
Net operating income	$-111,000	8,654
2003-09-30 (YTD Data)		Rank
Total interest income	$1,285,000	7,945
Total interest expense	$396,000	7,787
Net interest income	$889,000	7,899
Provision for loan and lease losses	$375,000	2,114
Total noninterest income	$277,000	6,182
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$252,000	4,072
Trading account gains and fees	$0	153
Additional Noninterest Income	$25,000	8,058
Total noninterest expense	$870,000	7,544
Salaries and employee benefits	$514,000	7,329
Premises and equipment expense	$146,000	6,846
Additional noninterest expense	$210,000	7,900
Pre-tax net operating income	$-79,000	8,746
Securities gains (losses)	$0	4,204
Applicable income taxes	$0	7,524
Income before extraordinary items	$-79,000	8,820
Extraordinary gains, net	$0	40
Net income	$-79,000	8,821
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$386,000	1,427
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$1,388,000	280
Net operating income	$-79,000	8,750
2003-06-30 (YTD Data)		Rank
Total interest income	$833,000	8,049
Total interest expense	$264,000	7,910
Net interest income	$569,000	8,000
Provision for loan and lease losses	$225,000	2,308
Total noninterest income	$188,000	6,138
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$143,000	4,400
Trading account gains and fees	$0	150
Additional Noninterest Income	$45,000	6,742
Total noninterest expense	$582,000	7,546
Salaries and employee benefits	$345,000	7,335
Premises and equipment expense	$97,000	6,846
Additional noninterest expense	$140,000	7,911
Pre-tax net operating income	$-50,000	8,768
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-50,000	8,861
Extraordinary gains, net	$0	30
Net income	$-50,000	8,862
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$139,000	2,066
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$1,354,000	184
Net operating income	$-50,000	8,768
2003-03-31 (YTD Data)		Rank
Total interest income	$421,000	8,084
Total interest expense	$136,000	7,945
Net interest income	$285,000	8,034
Provision for loan and lease losses	$110,000	2,202
Total noninterest income	$101,000	5,896
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$22,000	6,745
Trading account gains and fees	$0	134
Additional Noninterest Income	$79,000	4,363
Total noninterest expense	$294,000	7,565
Salaries and employee benefits	$156,000	7,615
Premises and equipment expense	$49,000	6,835
Additional noninterest expense	$89,000	7,438
Pre-tax net operating income	$-18,000	8,804
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-18,000	8,871
Extraordinary gains, net	$0	21
Net income	$-18,000	8,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	2,028
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$887,000	108
Net operating income	$-18,000	8,771
2002-12-31 (YTD Data)		Rank
Total interest income	$1,593,000	8,277
Total interest expense	$566,000	8,202
Net interest income	$1,027,000	8,225
Provision for loan and lease losses	$301,000	3,404
Total noninterest income	$442,000	5,536
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	$356,000	3,910
Total noninterest expense	$1,156,000	7,575
Salaries and employee benefits	$639,000	7,551
Premises and equipment expense	$184,000	6,986
Additional noninterest expense	$333,000	7,565
Pre-tax net operating income	$12,000	8,595
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$12,000	8,687
Extraordinary gains, net	$0	70
Net income	$12,000	8,689
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$169,000	3,291
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$95,000	652
Net operating income	$12,000	8,609
2001-12-31 (YTD Data)		Rank
Total interest income	$1,581,000	8,657
Total interest expense	$750,000	8,532
Net interest income	$831,000	8,614
Provision for loan and lease losses	$27,000	7,336
Total noninterest income	$258,000	6,793
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$196,000	5,211
Trading account gains and fees	$0	177
Additional Noninterest Income	$62,000	7,340
Total noninterest expense	$1,052,000	7,821
Salaries and employee benefits	$675,000	7,311
Premises and equipment expense	$174,000	7,155
Additional noninterest expense	$203,000	8,630
Pre-tax net operating income	$10,000	8,679
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$10,000	8,778
Extraordinary gains, net	$0	105
Net income	$10,000	8,777
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	5,589
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$10,000	8,696
2000-12-31 (YTD Data)		Rank
Total interest income	$1,540,000	8,902
Total interest expense	$678,000	8,906
Net interest income	$862,000	8,775
Provision for loan and lease losses	$27,000	7,347
Total noninterest income	$189,000	7,387
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$172,000	5,467
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	9,087
Total noninterest expense	$889,000	8,328
Salaries and employee benefits	$549,000	7,979
Premises and equipment expense	$141,000	7,736
Additional noninterest expense	$199,000	8,793
Pre-tax net operating income	$135,000	8,663
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$135,000	8,502
Extraordinary gains, net	$0	38
Net income	$135,000	8,500
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$44,000	4,965
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$135,000	8,497
1999-12-31 (YTD Data)		Rank
Total interest income	$1,504,000	9,064
Total interest expense	$639,000	9,108
Net interest income	$865,000	8,922
Provision for loan and lease losses	$26,000	7,391
Total noninterest income	$201,000	7,495
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$186,000	5,318
Trading account gains and fees	NA	NA
Additional Noninterest Income	$15,000	9,479
Total noninterest expense	$903,000	8,406
Salaries and employee benefits	$588,000	7,827
Premises and equipment expense	$144,000	7,771
Additional noninterest expense	$171,000	9,329
Pre-tax net operating income	$137,000	8,883
Securities gains (losses)	$0	3,155
Applicable income taxes	$0	8,765
Income before extraordinary items	$137,000	8,732
Extraordinary gains, net	$0	35
Net income	$137,000	8,729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,548
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$137,000	8,693
1998-12-31 (YTD Data)		Rank
Total interest income	$1,517,000	9,270
Total interest expense	$663,000	9,298
Net interest income	$854,000	9,126
Provision for loan and lease losses	$48,000	6,686
Total noninterest income	$214,000	7,417
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$201,000	5,139
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	9,838
Total noninterest expense	$890,000	8,463
Salaries and employee benefits	$533,000	8,151
Premises and equipment expense	$174,000	7,165
Additional noninterest expense	$183,000	9,304
Pre-tax net operating income	$130,000	9,281
Securities gains (losses)	$0	4,449
Applicable income taxes	$29,000	8,719
Income before extraordinary items	$101,000	9,341
Extraordinary gains, net	$0	32
Net income	$101,000	9,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,598
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$101,000	9,272
1997-12-31 (YTD Data)		Rank
Total interest income	$1,558,000	9,601
Total interest expense	$768,000	9,345
Net interest income	$790,000	9,701
Provision for loan and lease losses	$53,000	6,553
Total noninterest income	$168,000	8,315
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$158,000	6,042
Trading account gains and fees	NA	NA
Additional Noninterest Income	$10,000	10,416
Total noninterest expense	$789,000	9,078
Salaries and employee benefits	$427,000	9,087
Premises and equipment expense	$163,000	7,518
Additional noninterest expense	$199,000	9,418
Pre-tax net operating income	$116,000	10,001
Securities gains (losses)	$0	3,944
Applicable income taxes	$29,000	9,573
Income before extraordinary items	$87,000	10,037
Extraordinary gains, net	$0	44
Net income	$87,000	10,040
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$59,000	4,842
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$87,000	10,001
1996-12-31 (YTD Data)		Rank
Total interest income	$1,210,000	10,504
Total interest expense	$478,000	10,664
Net interest income	$732,000	10,293
Provision for loan and lease losses	$0	9,041
Total noninterest income	$136,000	9,243
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	6,857
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	11,162
Total noninterest expense	$662,000	9,947
Salaries and employee benefits	$380,000	9,743
Premises and equipment expense	$137,000	8,364
Additional noninterest expense	$145,000	10,597
Pre-tax net operating income	$206,000	9,756
Securities gains (losses)	$0	4,148
Applicable income taxes	$0	10,572
Income before extraordinary items	$206,000	9,235
Extraordinary gains, net	$0	53
Net income	$206,000	9,239
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,431
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$206,000	9,180
1995-12-31 (YTD Data)		Rank
Total interest income	$1,121,000	11,091
Total interest expense	$428,000	11,251
Net interest income	$693,000	10,865
Provision for loan and lease losses	$0	8,958
Total noninterest income	$161,000	9,123
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$134,000	7,003
Trading account gains and fees	NA	NA
Additional Noninterest Income	$27,000	10,452
Total noninterest expense	$664,000	10,315
Salaries and employee benefits	$344,000	10,380
Premises and equipment expense	$152,000	8,217
Additional noninterest expense	$168,000	10,834
Pre-tax net operating income	$190,000	10,526
Securities gains (losses)	$0	3,831
Applicable income taxes	$0	11,151
Income before extraordinary items	$190,000	10,047
Extraordinary gains, net	$0	65
Net income	$190,000	10,050
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,954
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$190,000	10,013
1994-12-31 (YTD Data)		Rank
Total interest income	$1,108,000	11,514
Total interest expense	$379,000	11,692
Net interest income	$729,000	11,280
Provision for loan and lease losses	$4,000	8,908
Total noninterest income	$160,000	9,513
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$131,000	7,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$29,000	10,859
Total noninterest expense	$688,000	10,749
Salaries and employee benefits	$373,000	10,519
Premises and equipment expense	$139,000	8,849
Additional noninterest expense	$176,000	11,454
Pre-tax net operating income	$197,000	10,915
Securities gains (losses)	$0	3,600
Applicable income taxes	$0	11,630
Income before extraordinary items	$197,000	10,313
Extraordinary gains, net	$0	249
Net income	$197,000	10,315
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,828
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$197,000	10,356
1993-12-31 (YTD Data)		Rank
Total interest income	$1,091,000	12,098
Total interest expense	$417,000	12,141
Net interest income	$674,000	11,966
Provision for loan and lease losses	$30,000	8,397
Total noninterest income	$144,000	10,332
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	7,868
Trading account gains and fees	NA	NA
Additional Noninterest Income	$25,000	11,679
Total noninterest expense	$786,000	10,733
Salaries and employee benefits	$363,000	11,014
Premises and equipment expense	$135,000	9,319
Additional noninterest expense	$288,000	10,592
Pre-tax net operating income	$2,000	12,382
Securities gains (losses)	$46,000	3,527
Applicable income taxes	$-97,000	12,955
Income before extraordinary items	$145,000	11,267
Extraordinary gains, net	$0	3,149
Net income	$145,000	11,351
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$100,000	4,557
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$99,000	11,621
1992-12-31 (YTD Data)		Rank
Total interest income	$1,251,000	12,495
Total interest expense	$568,000	12,447
Net interest income	$683,000	12,388
Provision for loan and lease losses	$310,000	4,033
Total noninterest income	$172,000	9,986
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$119,000	7,968
Trading account gains and fees	NA	NA
Additional Noninterest Income	$53,000	10,222
Total noninterest expense	$878,000	10,621
Salaries and employee benefits	$377,000	11,128
Premises and equipment expense	$149,000	9,148
Additional noninterest expense	$352,000	10,171
Pre-tax net operating income	$-333,000	13,197
Securities gains (losses)	$125,000	2,651
Applicable income taxes	$0	12,680
Income before extraordinary items	$-208,000	13,190
Extraordinary gains, net	$0	1,422
Net income	$-208,000	13,183
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$282,000	3,464
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$-333,000	13,170

* 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.