Home > Destin Bank > Income and Expense
Destin Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,825,000 | 974 |
| Total interest expense | $2,236,000 | 1,055 |
| Net interest income | $5,589,000 | 929 |
| Provision for loan and lease losses | $200,000 | 1,128 |
| Total noninterest income | $1,170,000 | 1,110 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $452,000 | 915 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $718,000 | 1,024 |
| Total noninterest expense | $2,945,000 | 1,439 |
| Salaries and employee benefits | $1,662,000 | 1,390 |
| Premises and equipment expense | $686,000 | 855 |
| Additional noninterest expense | $597,000 | 2,059 |
| Pre-tax net operating income | $3,614,000 | 682 |
| Securities gains (losses) | $-73,000 | 8,816 |
| Applicable income taxes | $1,363,000 | 606 |
| Income before extraordinary items | $2,178,000 | 806 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,178,000 | 807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $909,000 | 731 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,224,720 | 769 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $25,605,000 | 1,107 |
| Total interest expense | $6,809,000 | 1,203 |
| Net interest income | $18,796,000 | 1,061 |
| Provision for loan and lease losses | $912,000 | 1,140 |
| Total noninterest income | $3,653,000 | 1,377 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,833,000 | 956 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,820,000 | 1,419 |
| Total noninterest expense | $12,527,000 | 1,314 |
| Salaries and employee benefits | $7,169,000 | 1,217 |
| Premises and equipment expense | $2,853,000 | 794 |
| Additional noninterest expense | $2,505,000 | 1,942 |
| Pre-tax net operating income | $9,010,000 | 967 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $3,593,000 | 779 |
| Income before extraordinary items | $5,433,000 | 1,200 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,433,000 | 1,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,552 |
| Cash dividends | $1,420,000 | 1,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,422,760 | 1,175 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,309,000 | 1,143 |
| Total interest expense | $4,902,000 | 1,231 |
| Net interest income | $13,407,000 | 1,106 |
| Provision for loan and lease losses | $762,000 | 999 |
| Total noninterest income | $2,700,000 | 1,404 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,367,000 | 969 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,333,000 | 1,450 |
| Total noninterest expense | $8,150,000 | 1,494 |
| Salaries and employee benefits | $4,325,000 | 1,531 |
| Premises and equipment expense | $2,101,000 | 807 |
| Additional noninterest expense | $1,724,000 | 2,093 |
| Pre-tax net operating income | $7,195,000 | 925 |
| Securities gains (losses) | $16,000 | 2,442 |
| Applicable income taxes | $2,812,000 | 765 |
| Income before extraordinary items | $4,399,000 | 1,119 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,399,000 | 1,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 1,936 |
| Cash dividends | $1,300,000 | 1,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,388,760 | 1,084 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,715,000 | 1,173 |
| Total interest expense | $3,153,000 | 1,249 |
| Net interest income | $8,562,000 | 1,157 |
| Provision for loan and lease losses | $300,000 | 1,523 |
| Total noninterest income | $1,786,000 | 1,398 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $891,000 | 982 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $895,000 | 1,437 |
| Total noninterest expense | $5,464,000 | 1,489 |
| Salaries and employee benefits | $2,889,000 | 1,528 |
| Premises and equipment expense | $1,405,000 | 804 |
| Additional noninterest expense | $1,170,000 | 2,067 |
| Pre-tax net operating income | $4,584,000 | 953 |
| Securities gains (losses) | $16,000 | 2,165 |
| Applicable income taxes | $1,796,000 | 788 |
| Income before extraordinary items | $2,804,000 | 1,164 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,804,000 | 1,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,638 |
| Cash dividends | $882,000 | 1,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,793,760 | 1,126 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,471,000 | 1,268 |
| Total interest expense | $1,578,000 | 1,261 |
| Net interest income | $3,893,000 | 1,275 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $820,000 | 1,463 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $340,000 | 1,266 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $480,000 | 1,331 |
| Total noninterest expense | $2,743,000 | 1,491 |
| Salaries and employee benefits | $1,511,000 | 1,468 |
| Premises and equipment expense | $699,000 | 822 |
| Additional noninterest expense | $533,000 | 2,231 |
| Pre-tax net operating income | $1,820,000 | 1,156 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $709,000 | 973 |
| Income before extraordinary items | $1,111,000 | 1,440 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,111,000 | 1,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,385 |
| Cash dividends | $780,000 | 825 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,111,000 | 1,366 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,043,000 | 1,354 |
| Total interest expense | $6,842,000 | 1,295 |
| Net interest income | $14,201,000 | 1,381 |
| Provision for loan and lease losses | $1,185,000 | 1,015 |
| Total noninterest income | $3,820,000 | 1,394 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,517,000 | 1,139 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,303,000 | 1,318 |
| Total noninterest expense | $10,556,000 | 1,514 |
| Salaries and employee benefits | $6,047,000 | 1,410 |
| Premises and equipment expense | $2,425,000 | 925 |
| Additional noninterest expense | $2,084,000 | 2,312 |
| Pre-tax net operating income | $6,280,000 | 1,314 |
| Securities gains (losses) | $290,000 | 1,070 |
| Applicable income taxes | $2,555,000 | 1,052 |
| Income before extraordinary items | $4,015,000 | 1,563 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,015,000 | 1,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $517,000 | 1,571 |
| Cash dividends | $1,308,000 | 1,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,829,400 | 1,554 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,648,000 | 1,392 |
| Total interest expense | $5,221,000 | 1,328 |
| Net interest income | $10,427,000 | 1,411 |
| Provision for loan and lease losses | $705,000 | 1,209 |
| Total noninterest income | $3,029,000 | 1,358 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,135,000 | 1,142 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,894,000 | 1,283 |
| Total noninterest expense | $7,531,000 | 1,610 |
| Salaries and employee benefits | $4,349,000 | 1,485 |
| Premises and equipment expense | $1,751,000 | 986 |
| Additional noninterest expense | $1,431,000 | 2,500 |
| Pre-tax net operating income | $5,220,000 | 1,239 |
| Securities gains (losses) | $290,000 | 983 |
| Applicable income taxes | $2,150,000 | 1,007 |
| Income before extraordinary items | $3,360,000 | 1,464 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,360,000 | 1,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $452,000 | 1,272 |
| Cash dividends | $1,206,000 | 1,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,174,400 | 1,462 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,063,000 | 1,459 |
| Total interest expense | $3,551,000 | 1,355 |
| Net interest income | $6,512,000 | 1,502 |
| Provision for loan and lease losses | $455,000 | 1,245 |
| Total noninterest income | $2,022,000 | 1,360 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $758,000 | 1,124 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,264,000 | 1,285 |
| Total noninterest expense | $4,874,000 | 1,648 |
| Salaries and employee benefits | $2,770,000 | 1,557 |
| Premises and equipment expense | $1,148,000 | 1,000 |
| Additional noninterest expense | $956,000 | 2,467 |
| Pre-tax net operating income | $3,205,000 | 1,331 |
| Securities gains (losses) | $270,000 | 865 |
| Applicable income taxes | $1,338,000 | 1,083 |
| Income before extraordinary items | $2,137,000 | 1,526 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,137,000 | 1,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 1,507 |
| Cash dividends | $801,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,964,200 | 1,541 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,984,000 | 1,492 |
| Total interest expense | $1,787,000 | 1,372 |
| Net interest income | $3,197,000 | 1,519 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $1,000,000 | 1,334 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $369,000 | 1,119 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $631,000 | 1,245 |
| Total noninterest expense | $2,318,000 | 1,709 |
| Salaries and employee benefits | $1,315,000 | 1,620 |
| Premises and equipment expense | $557,000 | 1,032 |
| Additional noninterest expense | $446,000 | 2,585 |
| Pre-tax net operating income | $1,729,000 | 1,245 |
| Securities gains (losses) | $154,000 | 782 |
| Applicable income taxes | $733,000 | 1,026 |
| Income before extraordinary items | $1,150,000 | 1,419 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,150,000 | 1,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 1,220 |
| Cash dividends | $696,000 | 937 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,051,440 | 1,438 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $18,300,000 | 1,679 |
| Total interest expense | $7,080,000 | 1,604 |
| Net interest income | $11,220,000 | 1,719 |
| Provision for loan and lease losses | $1,258,000 | 1,082 |
| Total noninterest income | $3,119,000 | 1,518 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,428,000 | 1,132 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,691,000 | 1,495 |
| Total noninterest expense | $8,616,000 | 1,757 |
| Salaries and employee benefits | $5,059,000 | 1,599 |
| Premises and equipment expense | $1,793,000 | 1,231 |
| Additional noninterest expense | $1,764,000 | 2,587 |
| Pre-tax net operating income | $4,465,000 | 1,813 |
| Securities gains (losses) | $399,000 | 755 |
| Applicable income taxes | $1,774,000 | 1,432 |
| Income before extraordinary items | $3,090,000 | 1,941 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,090,000 | 1,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 1,749 |
| Cash dividends | $1,059,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,834,640 | 2,037 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,517,000 | 1,855 |
| Total interest expense | $8,929,000 | 1,817 |
| Net interest income | $9,588,000 | 1,854 |
| Provision for loan and lease losses | $865,000 | 1,407 |
| Total noninterest income | $2,279,000 | 1,817 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,191,000 | 1,255 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,088,000 | 1,923 |
| Total noninterest expense | $6,945,000 | 2,069 |
| Salaries and employee benefits | $3,981,000 | 1,886 |
| Premises and equipment expense | $1,492,000 | 1,440 |
| Additional noninterest expense | $1,472,000 | 2,923 |
| Pre-tax net operating income | $4,057,000 | 1,761 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,617,000 | 1,403 |
| Income before extraordinary items | $2,440,000 | 2,138 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,440,000 | 2,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $597,000 | 1,374 |
| Cash dividends | $662,000 | 2,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,440,000 | 2,066 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,430,000 | 2,594 |
| Total interest expense | $6,128,000 | 2,727 |
| Net interest income | $7,302,000 | 2,430 |
| Provision for loan and lease losses | $330,000 | 2,665 |
| Total noninterest income | $1,896,000 | 1,953 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,071,000 | 1,264 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $825,000 | 2,116 |
| Total noninterest expense | $6,061,000 | 2,259 |
| Salaries and employee benefits | $3,009,000 | 2,384 |
| Premises and equipment expense | $1,502,000 | 1,376 |
| Additional noninterest expense | $1,550,000 | 2,726 |
| Pre-tax net operating income | $2,807,000 | 2,520 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,104,000 | 1,962 |
| Income before extraordinary items | $1,703,000 | 2,931 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,703,000 | 2,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,160 |
| Cash dividends | $250,000 | 4,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,703,000 | 2,914 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,369,000 | 3,112 |
| Total interest expense | $4,273,000 | 3,389 |
| Net interest income | $6,096,000 | 2,888 |
| Provision for loan and lease losses | $277,000 | 2,848 |
| Total noninterest income | $1,381,000 | 2,429 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $842,000 | 1,563 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $539,000 | 2,820 |
| Total noninterest expense | $5,394,000 | 2,506 |
| Salaries and employee benefits | $2,754,000 | 2,558 |
| Premises and equipment expense | $1,416,000 | 1,448 |
| Additional noninterest expense | $1,224,000 | 3,365 |
| Pre-tax net operating income | $1,806,000 | 3,606 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $689,000 | 2,937 |
| Income before extraordinary items | $1,117,000 | 4,085 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,117,000 | 4,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,578 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,117,000 | 4,046 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,679,000 | 3,653 |
| Total interest expense | $3,493,000 | 4,133 |
| Net interest income | $5,186,000 | 3,273 |
| Provision for loan and lease losses | $310,000 | 2,519 |
| Total noninterest income | $1,352,000 | 2,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $750,000 | 1,698 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $602,000 | 2,645 |
| Total noninterest expense | $4,581,000 | 2,826 |
| Salaries and employee benefits | $2,446,000 | 2,780 |
| Premises and equipment expense | $1,050,000 | 1,885 |
| Additional noninterest expense | $1,085,000 | 3,672 |
| Pre-tax net operating income | $1,647,000 | 3,905 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $631,000 | 3,270 |
| Income before extraordinary items | $1,016,000 | 4,457 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,016,000 | 4,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,272 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,016,000 | 4,362 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,900,000 | 4,553 |
| Total interest expense | $2,679,000 | 5,137 |
| Net interest income | $4,221,000 | 4,048 |
| Provision for loan and lease losses | $236,000 | 3,102 |
| Total noninterest income | $1,087,000 | 2,850 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $574,000 | 2,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $513,000 | 2,780 |
| Total noninterest expense | $3,440,000 | 3,658 |
| Salaries and employee benefits | $1,852,000 | 3,536 |
| Premises and equipment expense | $823,000 | 2,356 |
| Additional noninterest expense | $765,000 | 4,894 |
| Pre-tax net operating income | $1,632,000 | 4,161 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $629,000 | 3,536 |
| Income before extraordinary items | $1,003,000 | 4,699 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,003,000 | 4,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,755 |
| Cash dividends | $100,000 | 6,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,003,000 | 4,630 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,344,000 | 5,649 |
| Total interest expense | $2,040,000 | 6,341 |
| Net interest income | $3,304,000 | 5,071 |
| Provision for loan and lease losses | $140,000 | 4,234 |
| Total noninterest income | $790,000 | 3,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $484,000 | 2,799 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $306,000 | 4,024 |
| Total noninterest expense | $2,932,000 | 4,375 |
| Salaries and employee benefits | $1,426,000 | 4,523 |
| Premises and equipment expense | $608,000 | 3,170 |
| Additional noninterest expense | $898,000 | 4,763 |
| Pre-tax net operating income | $1,022,000 | 5,650 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $388,000 | 4,983 |
| Income before extraordinary items | $634,000 | 6,074 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $634,000 | 6,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,581 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $634,000 | 6,013 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,054,000 | 6,922 |
| Total interest expense | $1,627,000 | 7,340 |
| Net interest income | $2,427,000 | 6,432 |
| Provision for loan and lease losses | $105,000 | 4,483 |
| Total noninterest income | $644,000 | 4,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $317,000 | 4,096 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $327,000 | 3,798 |
| Total noninterest expense | $2,228,000 | 5,495 |
| Salaries and employee benefits | $1,178,000 | 5,292 |
| Premises and equipment expense | $481,000 | 3,880 |
| Additional noninterest expense | $569,000 | 6,725 |
| Pre-tax net operating income | $738,000 | 7,124 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $137,000 | 8,495 |
| Income before extraordinary items | $601,000 | 6,609 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $601,000 | 6,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,497 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 561 |
| Net operating income | $601,000 | 6,599 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,653,000 | 8,645 |
| Total interest expense | $991,000 | 8,731 |
| Net interest income | $1,662,000 | 8,411 |
| Provision for loan and lease losses | $72,000 | 5,248 |
| Total noninterest income | $598,000 | 4,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $330,000 | 4,032 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,403 |
| Total noninterest expense | $1,822,000 | 6,639 |
| Salaries and employee benefits | $901,000 | 6,625 |
| Premises and equipment expense | $364,000 | 4,945 |
| Additional noninterest expense | $557,000 | 7,375 |
| Pre-tax net operating income | $366,000 | 9,609 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $366,000 | 8,499 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $366,000 | 8,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,602 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $366,000 | 8,536 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,905,000 | 10,378 |
| Total interest expense | $779,000 | 10,156 |
| Net interest income | $1,126,000 | 10,310 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $771,000 | 4,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $580,000 | 2,949 |
| Total noninterest expense | $1,592,000 | 7,528 |
| Salaries and employee benefits | $761,000 | 7,566 |
| Premises and equipment expense | $216,000 | 7,372 |
| Additional noninterest expense | $615,000 | 7,206 |
| Pre-tax net operating income | $305,000 | 10,197 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $305,000 | 9,424 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $305,000 | 9,586 |
| 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 | $305,000 | 9,168 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,962,000 | 10,963 |
| Total interest expense | $1,040,000 | 10,225 |
| Net interest income | $922,000 | 11,421 |
| Provision for loan and lease losses | $75,000 | 8,067 |
| Total noninterest income | $515,000 | 5,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $372,000 | 3,878 |
| Total noninterest expense | $1,238,000 | 8,886 |
| Salaries and employee benefits | $572,000 | 9,068 |
| Premises and equipment expense | $157,000 | 8,918 |
| Additional noninterest expense | $509,000 | 8,374 |
| Pre-tax net operating income | $124,000 | 11,768 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $35,000 | 11,656 |
| Income before extraordinary items | $89,000 | 12,094 |
| Extraordinary gains, net | $32,000 | 1,112 |
| Net income | $121,000 | 11,744 |
| 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 | $1,001,000 | 406 |
| Net operating income | $89,000 | 11,785 |
* 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.