Home > Cosmopolitan Bank and Trust > Income and Expense
Cosmopolitan Bank and Trust, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,266,000 | 1,174 |
| Total interest expense | $9,569,000 | 1,178 |
| Net interest income | $18,697,000 | 1,150 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $3,454,000 | 1,437 |
| Gross Fiduciary activities income | $2,394,000 | 239 |
| Service charges on deposit accounts | $632,000 | 2,552 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $428,000 | 3,660 |
| Total noninterest expense | $9,224,000 | 1,838 |
| Salaries and employee benefits | $5,781,000 | 1,613 |
| Premises and equipment expense | $1,081,000 | 2,212 |
| Additional noninterest expense | $2,362,000 | 2,120 |
| Pre-tax net operating income | $12,927,000 | 770 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,949,000 | 649 |
| Income before extraordinary items | $7,978,000 | 904 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,978,000 | 904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,923 |
| Cash dividends | $5,000,000 | 658 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,978,000 | 886 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,566,000 | 1,176 |
| Total interest expense | $6,586,000 | 1,205 |
| Net interest income | $13,980,000 | 1,145 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $2,448,000 | 1,502 |
| Gross Fiduciary activities income | $1,727,000 | 241 |
| Service charges on deposit accounts | $485,000 | 2,497 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $236,000 | 4,234 |
| Total noninterest expense | $7,210,000 | 1,740 |
| Salaries and employee benefits | $4,417,000 | 1,576 |
| Premises and equipment expense | $810,000 | 2,207 |
| Additional noninterest expense | $1,983,000 | 1,884 |
| Pre-tax net operating income | $9,218,000 | 799 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,526,000 | 680 |
| Income before extraordinary items | $5,692,000 | 948 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,692,000 | 949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 1,420 |
| Cash dividends | $5,000,000 | 473 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,692,000 | 931 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,529,000 | 1,163 |
| Total interest expense | $4,002,000 | 1,248 |
| Net interest income | $9,527,000 | 1,104 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,629,000 | 1,491 |
| Gross Fiduciary activities income | $1,127,000 | 242 |
| Service charges on deposit accounts | $322,000 | 2,477 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $180,000 | 3,941 |
| Total noninterest expense | $4,981,000 | 1,676 |
| Salaries and employee benefits | $3,017,000 | 1,536 |
| Premises and equipment expense | $523,000 | 2,251 |
| Additional noninterest expense | $1,441,000 | 1,716 |
| Pre-tax net operating income | $6,175,000 | 780 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,362,000 | 666 |
| Income before extraordinary items | $3,813,000 | 916 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,813,000 | 916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,813,000 | 895 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,420,000 | 1,193 |
| Total interest expense | $1,775,000 | 1,348 |
| Net interest income | $4,645,000 | 1,127 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $800,000 | 1,491 |
| Gross Fiduciary activities income | $519,000 | 263 |
| Service charges on deposit accounts | $161,000 | 2,413 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $120,000 | 3,395 |
| Total noninterest expense | $2,532,000 | 1,665 |
| Salaries and employee benefits | $1,549,000 | 1,503 |
| Premises and equipment expense | $277,000 | 2,154 |
| Additional noninterest expense | $706,000 | 1,752 |
| Pre-tax net operating income | $2,913,000 | 813 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,115,000 | 700 |
| Income before extraordinary items | $1,798,000 | 963 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,798,000 | 964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,798,000 | 941 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,560,000 | 1,153 |
| Total interest expense | $5,188,000 | 1,590 |
| Net interest income | $19,372,000 | 1,030 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $3,511,000 | 1,418 |
| Gross Fiduciary activities income | $2,299,000 | 235 |
| Service charges on deposit accounts | $687,000 | 2,410 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $525,000 | 3,226 |
| Total noninterest expense | $9,733,000 | 1,670 |
| Salaries and employee benefits | $5,862,000 | 1,515 |
| Premises and equipment expense | $973,000 | 2,346 |
| Additional noninterest expense | $2,898,000 | 1,685 |
| Pre-tax net operating income | $13,150,000 | 689 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $5,037,000 | 600 |
| Income before extraordinary items | $8,113,000 | 815 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $8,113,000 | 815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,542 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $8,113,000 | 788 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,418,000 | 1,137 |
| Total interest expense | $3,703,000 | 1,629 |
| Net interest income | $14,715,000 | 1,004 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,658,000 | 1,417 |
| Gross Fiduciary activities income | $1,669,000 | 245 |
| Service charges on deposit accounts | $509,000 | 2,455 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $480,000 | 2,874 |
| Total noninterest expense | $7,264,000 | 1,660 |
| Salaries and employee benefits | $4,453,000 | 1,494 |
| Premises and equipment expense | $926,000 | 1,865 |
| Additional noninterest expense | $1,885,000 | 1,910 |
| Pre-tax net operating income | $10,109,000 | 680 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $3,984,000 | 589 |
| Income before extraordinary items | $6,125,000 | 818 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,125,000 | 819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,698 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,125,000 | 788 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,048,000 | 1,141 |
| Total interest expense | $2,385,000 | 1,671 |
| Net interest income | $9,663,000 | 1,009 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,507,000 | 1,583 |
| Gross Fiduciary activities income | $1,126,000 | 245 |
| Service charges on deposit accounts | $345,000 | 2,427 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $36,000 | 6,981 |
| Total noninterest expense | $4,887,000 | 1,657 |
| Salaries and employee benefits | $2,972,000 | 1,488 |
| Premises and equipment expense | $616,000 | 1,853 |
| Additional noninterest expense | $1,299,000 | 1,839 |
| Pre-tax net operating income | $6,283,000 | 716 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,458,000 | 620 |
| Income before extraordinary items | $3,825,000 | 849 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,825,000 | 849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,066 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,825,000 | 814 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,074,000 | 1,149 |
| Total interest expense | $1,198,000 | 1,678 |
| Net interest income | $4,876,000 | 1,003 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $736,000 | 1,597 |
| Gross Fiduciary activities income | $525,000 | 258 |
| Service charges on deposit accounts | $172,000 | 2,379 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $39,000 | 5,616 |
| Total noninterest expense | $2,368,000 | 1,715 |
| Salaries and employee benefits | $1,464,000 | 1,519 |
| Premises and equipment expense | $308,000 | 1,883 |
| Additional noninterest expense | $596,000 | 1,984 |
| Pre-tax net operating income | $3,244,000 | 690 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,270,000 | 611 |
| Income before extraordinary items | $1,974,000 | 838 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,974,000 | 838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,974,000 | 789 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,977,000 | 1,288 |
| Total interest expense | $5,248,000 | 1,711 |
| Net interest income | $16,729,000 | 1,162 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $3,430,000 | 1,515 |
| Gross Fiduciary activities income | $2,257,000 | 239 |
| Service charges on deposit accounts | $736,000 | 2,259 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $437,000 | 3,808 |
| Total noninterest expense | $9,493,000 | 1,685 |
| Salaries and employee benefits | $5,371,000 | 1,609 |
| Premises and equipment expense | $1,213,000 | 1,885 |
| Additional noninterest expense | $2,909,000 | 1,671 |
| Pre-tax net operating income | $10,666,000 | 809 |
| Securities gains (losses) | $261,000 | 1,139 |
| Applicable income taxes | $4,252,000 | 706 |
| Income before extraordinary items | $6,675,000 | 972 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,675,000 | 975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,589 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,507,960 | 927 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,280,000 | 1,328 |
| Total interest expense | $4,038,000 | 1,737 |
| Net interest income | $12,242,000 | 1,196 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,529,000 | 1,567 |
| Gross Fiduciary activities income | $1,602,000 | 258 |
| Service charges on deposit accounts | $540,000 | 2,320 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $387,000 | 3,591 |
| Total noninterest expense | $7,028,000 | 1,716 |
| Salaries and employee benefits | $3,993,000 | 1,623 |
| Premises and equipment expense | $929,000 | 1,852 |
| Additional noninterest expense | $2,106,000 | 1,715 |
| Pre-tax net operating income | $7,743,000 | 864 |
| Securities gains (losses) | $236,000 | 1,133 |
| Applicable income taxes | $3,110,000 | 750 |
| Income before extraordinary items | $4,869,000 | 1,034 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,869,000 | 1,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,642 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,717,960 | 998 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,625,000 | 1,377 |
| Total interest expense | $2,775,000 | 1,749 |
| Net interest income | $7,850,000 | 1,239 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $2,134,000 | 1,306 |
| Gross Fiduciary activities income | $1,052,000 | 268 |
| Service charges on deposit accounts | $343,000 | 2,380 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $739,000 | 1,889 |
| Total noninterest expense | $4,712,000 | 1,701 |
| Salaries and employee benefits | $2,660,000 | 1,613 |
| Premises and equipment expense | $617,000 | 1,851 |
| Additional noninterest expense | $1,435,000 | 1,678 |
| Pre-tax net operating income | $5,272,000 | 849 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,055,000 | 757 |
| Income before extraordinary items | $3,217,000 | 1,041 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,217,000 | 1,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,731 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,217,000 | 964 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,079,000 | 1,455 |
| Total interest expense | $1,422,000 | 1,750 |
| Net interest income | $3,657,000 | 1,339 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $1,285,000 | 1,101 |
| Gross Fiduciary activities income | $471,000 | 291 |
| Service charges on deposit accounts | $180,000 | 2,223 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $634,000 | 1,239 |
| Total noninterest expense | $2,429,000 | 1,652 |
| Salaries and employee benefits | $1,369,000 | 1,559 |
| Premises and equipment expense | $311,000 | 1,840 |
| Additional noninterest expense | $749,000 | 1,574 |
| Pre-tax net operating income | $2,513,000 | 901 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $978,000 | 813 |
| Income before extraordinary items | $1,535,000 | 1,081 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,535,000 | 1,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,535,000 | 1,007 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $20,366,000 | 1,515 |
| Total interest expense | $5,960,000 | 1,909 |
| Net interest income | $14,406,000 | 1,341 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $3,162,000 | 1,504 |
| Gross Fiduciary activities income | $2,074,000 | 281 |
| Service charges on deposit accounts | $659,000 | 2,363 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $429,000 | 3,569 |
| Total noninterest expense | $8,295,000 | 1,825 |
| Salaries and employee benefits | $4,891,000 | 1,648 |
| Premises and equipment expense | $1,234,000 | 1,797 |
| Additional noninterest expense | $2,170,000 | 2,141 |
| Pre-tax net operating income | $9,273,000 | 925 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $3,553,000 | 799 |
| Income before extraordinary items | $5,720,000 | 1,097 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,720,000 | 1,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 4,025 |
| Cash dividends | $5,000,000 | 609 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,720,000 | 1,056 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,097,000 | 1,353 |
| Total interest expense | $10,138,000 | 1,605 |
| Net interest income | $14,959,000 | 1,183 |
| Provision for loan and lease losses | $1,250,000 | 1,049 |
| Total noninterest income | $3,988,000 | 1,182 |
| Gross Fiduciary activities income | $1,868,000 | 301 |
| Service charges on deposit accounts | $773,000 | 1,965 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,347,000 | 1,661 |
| Total noninterest expense | $7,662,000 | 1,891 |
| Salaries and employee benefits | $4,335,000 | 1,732 |
| Premises and equipment expense | $1,252,000 | 1,728 |
| Additional noninterest expense | $2,075,000 | 2,164 |
| Pre-tax net operating income | $10,035,000 | 763 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,738,000 | 693 |
| Income before extraordinary items | $6,297,000 | 876 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,297,000 | 878 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,297,000 | 835 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,363,000 | 1,612 |
| Total interest expense | $10,453,000 | 1,643 |
| Net interest income | $10,910,000 | 1,604 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $1,735,000 | 2,082 |
| Gross Fiduciary activities income | $544,000 | 574 |
| Service charges on deposit accounts | $756,000 | 1,845 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $435,000 | 3,181 |
| Total noninterest expense | $5,070,000 | 2,680 |
| Salaries and employee benefits | $2,555,000 | 2,779 |
| Premises and equipment expense | $1,195,000 | 1,749 |
| Additional noninterest expense | $1,320,000 | 3,142 |
| Pre-tax net operating income | $7,275,000 | 1,044 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,553,000 | 949 |
| Income before extraordinary items | $4,722,000 | 1,122 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,722,000 | 1,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-92,000 | 9,729 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,722,000 | 1,122 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,717,000 | 1,831 |
| Total interest expense | $7,248,000 | 2,063 |
| Net interest income | $10,469,000 | 1,670 |
| Provision for loan and lease losses | $400,000 | 2,102 |
| Total noninterest income | $2,120,000 | 1,779 |
| Gross Fiduciary activities income | $536,000 | 616 |
| Service charges on deposit accounts | $731,000 | 1,817 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $853,000 | 2,072 |
| Total noninterest expense | $4,811,000 | 2,806 |
| Salaries and employee benefits | $2,233,000 | 3,108 |
| Premises and equipment expense | $1,152,000 | 1,774 |
| Additional noninterest expense | $1,426,000 | 2,984 |
| Pre-tax net operating income | $7,378,000 | 1,053 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,725,000 | 953 |
| Income before extraordinary items | $4,653,000 | 1,181 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,653,000 | 1,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 1,962 |
| Cash dividends | $2,000,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,653,000 | 1,163 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,652,000 | 1,939 |
| Total interest expense | $6,207,000 | 2,435 |
| Net interest income | $10,445,000 | 1,634 |
| Provision for loan and lease losses | $700,000 | 1,308 |
| Total noninterest income | $1,538,000 | 2,232 |
| Gross Fiduciary activities income | $558,000 | 604 |
| Service charges on deposit accounts | $698,000 | 1,832 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $282,000 | 4,156 |
| Total noninterest expense | $4,961,000 | 2,635 |
| Salaries and employee benefits | $2,155,000 | 3,107 |
| Premises and equipment expense | $1,148,000 | 1,719 |
| Additional noninterest expense | $1,658,000 | 2,516 |
| Pre-tax net operating income | $6,322,000 | 1,178 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,255,000 | 1,113 |
| Income before extraordinary items | $4,067,000 | 1,308 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,067,000 | 1,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $335,000 | 1,718 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,067,000 | 1,256 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,923,000 | 2,347 |
| Total interest expense | $5,732,000 | 2,610 |
| Net interest income | $8,191,000 | 2,127 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,936,000 | 1,817 |
| Gross Fiduciary activities income | $539,000 | 626 |
| Service charges on deposit accounts | $534,000 | 2,464 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $863,000 | 1,932 |
| Total noninterest expense | $4,171,000 | 3,064 |
| Salaries and employee benefits | $1,962,000 | 3,368 |
| Premises and equipment expense | $752,000 | 2,567 |
| Additional noninterest expense | $1,457,000 | 2,806 |
| Pre-tax net operating income | $5,956,000 | 1,304 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,635,000 | 1,577 |
| Income before extraordinary items | $4,321,000 | 1,262 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,321,000 | 1,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,604 |
| Cash dividends | $1,700,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,321,000 | 1,234 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,189,000 | 2,724 |
| Total interest expense | $4,989,000 | 3,009 |
| Net interest income | $7,200,000 | 2,484 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,188,000 | 2,704 |
| Gross Fiduciary activities income | $555,000 | 675 |
| Service charges on deposit accounts | $473,000 | 2,865 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $160,000 | 5,786 |
| Total noninterest expense | $3,658,000 | 3,623 |
| Salaries and employee benefits | $1,636,000 | 3,989 |
| Premises and equipment expense | $743,000 | 2,625 |
| Additional noninterest expense | $1,279,000 | 3,585 |
| Pre-tax net operating income | $4,730,000 | 1,534 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,588,000 | 1,521 |
| Income before extraordinary items | $3,142,000 | 1,585 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,142,000 | 1,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 1,516 |
| Cash dividends | $1,800,000 | 1,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,142,000 | 1,551 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,020,000 | 3,009 |
| Total interest expense | $4,158,000 | 3,568 |
| Net interest income | $6,862,000 | 2,608 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,509,000 | 2,275 |
| Gross Fiduciary activities income | $551,000 | 714 |
| Service charges on deposit accounts | $540,000 | 2,488 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $418,000 | 3,215 |
| Total noninterest expense | $3,643,000 | 3,605 |
| Salaries and employee benefits | $1,572,000 | 4,112 |
| Premises and equipment expense | $819,000 | 2,433 |
| Additional noninterest expense | $1,252,000 | 3,612 |
| Pre-tax net operating income | $4,728,000 | 1,572 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,577,000 | 1,577 |
| Income before extraordinary items | $3,151,000 | 1,620 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,151,000 | 1,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,247 |
| Cash dividends | $4,300,000 | 715 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,151,000 | 1,591 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,507,000 | 2,891 |
| Total interest expense | $2,999,000 | 3,964 |
| Net interest income | $7,508,000 | 2,407 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,367,000 | 2,473 |
| Gross Fiduciary activities income | $535,000 | 715 |
| Service charges on deposit accounts | $454,000 | 3,031 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $378,000 | 3,534 |
| Total noninterest expense | $3,997,000 | 3,431 |
| Salaries and employee benefits | $1,716,000 | 3,797 |
| Premises and equipment expense | $887,000 | 2,273 |
| Additional noninterest expense | $1,394,000 | 3,546 |
| Pre-tax net operating income | $4,878,000 | 1,503 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,647,000 | 1,430 |
| Income before extraordinary items | $3,231,000 | 1,526 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,231,000 | 1,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 11,617 |
| Cash dividends | $2,500,000 | 920 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,231,000 | 1,533 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,140,000 | 2,786 |
| Total interest expense | $3,042,000 | 4,076 |
| Net interest income | $8,098,000 | 2,216 |
| Provision for loan and lease losses | $192,000 | 4,009 |
| Total noninterest income | $1,329,000 | 2,695 |
| Gross Fiduciary activities income | $527,000 | 745 |
| Service charges on deposit accounts | $380,000 | 3,617 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $422,000 | 3,631 |
| Total noninterest expense | $3,865,000 | 3,600 |
| Salaries and employee benefits | $1,541,000 | 4,171 |
| Premises and equipment expense | $880,000 | 2,321 |
| Additional noninterest expense | $1,444,000 | 3,618 |
| Pre-tax net operating income | $5,370,000 | 1,299 |
| Securities gains (losses) | $21,000 | 4,601 |
| Applicable income taxes | $2,064,000 | 1,176 |
| Income before extraordinary items | $3,327,000 | 1,527 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,327,000 | 1,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $400,000 | 2,053 |
| Cash dividends | $2,600,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,313,560 | 1,444 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,036,000 | 3,474 |
| Total interest expense | $3,638,000 | 4,411 |
| Net interest income | $6,398,000 | 2,858 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $1,447,000 | 2,466 |
| Gross Fiduciary activities income | $538,000 | 736 |
| Service charges on deposit accounts | $454,000 | 3,085 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $455,000 | 3,396 |
| Total noninterest expense | $3,981,000 | 3,515 |
| Salaries and employee benefits | $1,547,000 | 4,105 |
| Premises and equipment expense | $880,000 | 2,350 |
| Additional noninterest expense | $1,554,000 | 3,492 |
| Pre-tax net operating income | $3,864,000 | 1,607 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,494,000 | 1,460 |
| Income before extraordinary items | $2,370,000 | 1,923 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,370,000 | 1,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,259,000 | 1,359 |
| Cash dividends | $1,100,000 | 1,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,370,000 | 1,770 |
* 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.