Home > Farmers & Merchants State Bank of Krum > Income and Expense
Farmers & Merchants State Bank of Krum, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,966,000 | 3,112 |
| Total interest expense | $1,843,000 | 3,896 |
| Net interest income | $7,123,000 | 2,844 |
| Provision for loan and lease losses | $575,000 | 1,740 |
| Total noninterest income | $5,605,000 | 986 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,656,000 | 1,078 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,949,000 | 792 |
| Total noninterest expense | $9,323,000 | 1,737 |
| Salaries and employee benefits | $5,291,000 | 1,664 |
| Premises and equipment expense | $1,380,000 | 1,688 |
| Additional noninterest expense | $2,652,000 | 1,829 |
| Pre-tax net operating income | $2,830,000 | 2,717 |
| Securities gains (losses) | $-18,000 | 8,362 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $2,812,000 | 2,198 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,812,000 | 2,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $697,000 | 1,015 |
| Cash dividends | $883,000 | 2,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,830,000 | 2,138 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,586,000 | 3,139 |
| Total interest expense | $1,314,000 | 4,019 |
| Net interest income | $5,272,000 | 2,846 |
| Provision for loan and lease losses | $475,000 | 1,507 |
| Total noninterest income | $4,365,000 | 957 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,291,000 | 1,040 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,074,000 | 779 |
| Total noninterest expense | $6,722,000 | 1,793 |
| Salaries and employee benefits | $3,873,000 | 1,705 |
| Premises and equipment expense | $1,009,000 | 1,723 |
| Additional noninterest expense | $1,840,000 | 1,953 |
| Pre-tax net operating income | $2,440,000 | 2,437 |
| Securities gains (losses) | $-17,000 | 8,622 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $2,423,000 | 1,955 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,423,000 | 1,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 1,411 |
| Cash dividends | $883,000 | 1,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,440,000 | 1,895 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,212,000 | 3,242 |
| Total interest expense | $833,000 | 4,158 |
| Net interest income | $3,379,000 | 2,958 |
| Provision for loan and lease losses | $375,000 | 1,294 |
| Total noninterest income | $2,736,000 | 1,007 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $849,000 | 1,040 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,887,000 | 837 |
| Total noninterest expense | $4,310,000 | 1,854 |
| Salaries and employee benefits | $2,424,000 | 1,806 |
| Premises and equipment expense | $640,000 | 1,802 |
| Additional noninterest expense | $1,246,000 | 1,918 |
| Pre-tax net operating income | $1,430,000 | 2,688 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,433,000 | 2,153 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,433,000 | 2,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 1,217 |
| Cash dividends | $484,000 | 2,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,430,000 | 2,100 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,034,000 | 3,346 |
| Total interest expense | $411,000 | 4,243 |
| Net interest income | $1,623,000 | 3,051 |
| Provision for loan and lease losses | $225,000 | 1,035 |
| Total noninterest income | $1,321,000 | 1,009 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $426,000 | 998 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $895,000 | 855 |
| Total noninterest expense | $2,050,000 | 1,957 |
| Salaries and employee benefits | $1,172,000 | 1,872 |
| Premises and equipment expense | $270,000 | 2,144 |
| Additional noninterest expense | $608,000 | 1,954 |
| Pre-tax net operating income | $669,000 | 2,798 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $672,000 | 2,256 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $672,000 | 2,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 891 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $669,000 | 2,182 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,033,000 | 3,432 |
| Total interest expense | $1,722,000 | 4,488 |
| Net interest income | $6,311,000 | 3,044 |
| Provision for loan and lease losses | $900,000 | 1,310 |
| Total noninterest income | $5,349,000 | 1,069 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,540,000 | 1,121 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,809,000 | 930 |
| Total noninterest expense | $7,856,000 | 2,011 |
| Salaries and employee benefits | $4,816,000 | 1,788 |
| Premises and equipment expense | $879,000 | 2,543 |
| Additional noninterest expense | $2,161,000 | 2,232 |
| Pre-tax net operating income | $2,904,000 | 2,579 |
| Securities gains (losses) | $11,000 | 3,560 |
| Applicable income taxes | $137,000 | 5,390 |
| Income before extraordinary items | $2,778,000 | 2,186 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,778,000 | 2,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $785,000 | 1,116 |
| Cash dividends | $1,294,000 | 1,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,767,550 | 2,090 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,984,000 | 3,502 |
| Total interest expense | $1,292,000 | 4,591 |
| Net interest income | $4,692,000 | 3,078 |
| Provision for loan and lease losses | $650,000 | 1,314 |
| Total noninterest income | $4,101,000 | 1,089 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,108,000 | 1,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,993,000 | 925 |
| Total noninterest expense | $5,753,000 | 2,061 |
| Salaries and employee benefits | $3,585,000 | 1,812 |
| Premises and equipment expense | $653,000 | 2,571 |
| Additional noninterest expense | $1,515,000 | 2,372 |
| Pre-tax net operating income | $2,390,000 | 2,475 |
| Securities gains (losses) | $9,000 | 3,379 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $2,399,000 | 2,004 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,399,000 | 2,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 1,310 |
| Cash dividends | $271,000 | 3,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,390,000 | 1,904 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,949,000 | 3,557 |
| Total interest expense | $855,000 | 4,726 |
| Net interest income | $3,094,000 | 3,102 |
| Provision for loan and lease losses | $350,000 | 1,581 |
| Total noninterest income | $2,663,000 | 1,103 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $693,000 | 1,242 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,970,000 | 922 |
| Total noninterest expense | $3,757,000 | 2,097 |
| Salaries and employee benefits | $2,362,000 | 1,823 |
| Premises and equipment expense | $428,000 | 2,597 |
| Additional noninterest expense | $967,000 | 2,440 |
| Pre-tax net operating income | $1,650,000 | 2,396 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,657,000 | 1,922 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,657,000 | 1,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 1,530 |
| Cash dividends | $251,000 | 3,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,650,000 | 1,821 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,005,000 | 3,517 |
| Total interest expense | $427,000 | 4,838 |
| Net interest income | $1,578,000 | 3,026 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $1,268,000 | 1,111 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $329,000 | 1,282 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $939,000 | 932 |
| Total noninterest expense | $1,819,000 | 2,158 |
| Salaries and employee benefits | $1,170,000 | 1,824 |
| Premises and equipment expense | $194,000 | 2,827 |
| Additional noninterest expense | $455,000 | 2,544 |
| Pre-tax net operating income | $877,000 | 2,289 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $884,000 | 1,795 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $884,000 | 1,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,750 |
| Cash dividends | $251,000 | 1,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $877,000 | 1,693 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,309,000 | 3,911 |
| Total interest expense | $1,901,000 | 4,971 |
| Net interest income | $5,408,000 | 3,423 |
| Provision for loan and lease losses | $687,000 | 1,864 |
| Total noninterest income | $3,736,000 | 1,322 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,319,000 | 1,223 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,417,000 | 1,153 |
| Total noninterest expense | $6,279,000 | 2,366 |
| Salaries and employee benefits | $3,551,000 | 2,251 |
| Premises and equipment expense | $754,000 | 2,808 |
| Additional noninterest expense | $1,974,000 | 2,335 |
| Pre-tax net operating income | $2,178,000 | 3,235 |
| Securities gains (losses) | $96,000 | 1,795 |
| Applicable income taxes | $760,000 | 2,686 |
| Income before extraordinary items | $1,514,000 | 3,475 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,514,000 | 3,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $829,000 | 1,129 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,449,680 | 3,488 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,295,000 | 4,302 |
| Total interest expense | $2,635,000 | 5,222 |
| Net interest income | $4,660,000 | 3,639 |
| Provision for loan and lease losses | $632,000 | 1,817 |
| Total noninterest income | $3,074,000 | 1,458 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $978,000 | 1,516 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,096,000 | 1,203 |
| Total noninterest expense | $5,084,000 | 2,788 |
| Salaries and employee benefits | $2,833,000 | 2,650 |
| Premises and equipment expense | $499,000 | 3,870 |
| Additional noninterest expense | $1,752,000 | 2,534 |
| Pre-tax net operating income | $2,018,000 | 3,154 |
| Securities gains (losses) | $84,000 | 1,894 |
| Applicable income taxes | $566,000 | 3,075 |
| Income before extraordinary items | $1,536,000 | 3,167 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,536,000 | 3,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $615,000 | 1,344 |
| Cash dividends | $216,000 | 4,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,474,680 | 3,163 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,736,000 | 4,726 |
| Total interest expense | $2,741,000 | 5,250 |
| Net interest income | $3,995,000 | 4,185 |
| Provision for loan and lease losses | $420,000 | 2,181 |
| Total noninterest income | $2,054,000 | 1,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $892,000 | 1,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,162,000 | 1,680 |
| Total noninterest expense | $3,933,000 | 3,378 |
| Salaries and employee benefits | $2,201,000 | 3,187 |
| Premises and equipment expense | $407,000 | 4,455 |
| Additional noninterest expense | $1,325,000 | 3,126 |
| Pre-tax net operating income | $1,696,000 | 3,717 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $588,000 | 3,146 |
| Income before extraordinary items | $1,108,000 | 4,084 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,108,000 | 4,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,886 |
| Cash dividends | $216,000 | 5,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,108,000 | 4,078 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,468,000 | 5,258 |
| Total interest expense | $1,927,000 | 6,131 |
| Net interest income | $3,541,000 | 4,616 |
| Provision for loan and lease losses | $485,000 | 1,812 |
| Total noninterest income | $1,485,000 | 2,325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $569,000 | 2,347 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $916,000 | 1,983 |
| Total noninterest expense | $3,260,000 | 3,927 |
| Salaries and employee benefits | $1,722,000 | 3,879 |
| Premises and equipment expense | $390,000 | 4,632 |
| Additional noninterest expense | $1,148,000 | 3,583 |
| Pre-tax net operating income | $1,281,000 | 4,570 |
| Securities gains (losses) | $-3,000 | 8,917 |
| Applicable income taxes | $486,000 | 3,702 |
| Income before extraordinary items | $792,000 | 5,121 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $792,000 | 5,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 1,996 |
| Cash dividends | $216,000 | 5,105 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 604 |
| Net operating income | $793,920 | 5,077 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,622,000 | 5,969 |
| Total interest expense | $1,741,000 | 6,674 |
| Net interest income | $2,881,000 | 5,286 |
| Provision for loan and lease losses | $350,000 | 2,310 |
| Total noninterest income | $1,210,000 | 2,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $484,000 | 2,626 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $726,000 | 2,326 |
| Total noninterest expense | $2,860,000 | 4,301 |
| Salaries and employee benefits | $1,445,000 | 4,365 |
| Premises and equipment expense | $367,000 | 4,727 |
| Additional noninterest expense | $1,048,000 | 3,796 |
| Pre-tax net operating income | $881,000 | 5,805 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $448,000 | 4,134 |
| Income before extraordinary items | $435,000 | 7,010 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $435,000 | 7,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 1,626 |
| Cash dividends | $166,000 | 5,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $433,720 | 6,921 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,628,000 | 7,031 |
| Total interest expense | $1,411,000 | 7,556 |
| Net interest income | $2,217,000 | 6,498 |
| Provision for loan and lease losses | $138,000 | 4,329 |
| Total noninterest income | $578,000 | 4,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $435,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,821 |
| Total noninterest expense | $1,890,000 | 5,873 |
| Salaries and employee benefits | $947,000 | 6,075 |
| Premises and equipment expense | $255,000 | 5,987 |
| Additional noninterest expense | $688,000 | 5,289 |
| Pre-tax net operating income | $767,000 | 6,693 |
| Securities gains (losses) | $21,000 | 1,847 |
| Applicable income taxes | $296,000 | 5,759 |
| Income before extraordinary items | $492,000 | 7,017 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $492,000 | 7,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,417 |
| Cash dividends | $165,000 | 5,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $478,560 | 7,061 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,208,000 | 7,716 |
| Total interest expense | $1,257,000 | 8,221 |
| Net interest income | $1,951,000 | 7,250 |
| Provision for loan and lease losses | $55,000 | 6,421 |
| Total noninterest income | $485,000 | 5,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $399,000 | 3,345 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,551 |
| Total noninterest expense | $1,520,000 | 7,051 |
| Salaries and employee benefits | $791,000 | 7,025 |
| Premises and equipment expense | $188,000 | 7,257 |
| Additional noninterest expense | $541,000 | 6,757 |
| Pre-tax net operating income | $861,000 | 6,241 |
| Securities gains (losses) | $-7,000 | 10,114 |
| Applicable income taxes | $272,000 | 6,150 |
| Income before extraordinary items | $582,000 | 6,386 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $582,000 | 6,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,045 |
| Cash dividends | $165,000 | 5,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $586,760 | 6,278 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,966,000 | 8,259 |
| Total interest expense | $1,142,000 | 8,780 |
| Net interest income | $1,824,000 | 7,703 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $449,000 | 5,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,751 |
| Total noninterest expense | $1,431,000 | 7,486 |
| Salaries and employee benefits | $706,000 | 7,684 |
| Premises and equipment expense | $142,000 | 8,472 |
| Additional noninterest expense | $583,000 | 6,640 |
| Pre-tax net operating income | $762,000 | 6,995 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $265,000 | 6,442 |
| Income before extraordinary items | $497,000 | 7,278 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $497,000 | 7,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,496 |
| Cash dividends | $165,000 | 5,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $497,000 | 7,238 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,346,000 | 9,173 |
| Total interest expense | $725,000 | 9,959 |
| Net interest income | $1,621,000 | 8,525 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $494,000 | 5,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $355,000 | 3,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 6,445 |
| Total noninterest expense | $1,260,000 | 8,389 |
| Salaries and employee benefits | $647,000 | 8,292 |
| Premises and equipment expense | $135,000 | 8,947 |
| Additional noninterest expense | $478,000 | 8,076 |
| Pre-tax net operating income | $855,000 | 6,610 |
| Securities gains (losses) | $-14,000 | 10,078 |
| Applicable income taxes | $262,000 | 6,368 |
| Income before extraordinary items | $579,000 | 6,694 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $579,000 | 6,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,780 |
| Cash dividends | $165,000 | 5,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $588,660 | 6,687 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,151,000 | 9,888 |
| Total interest expense | $659,000 | 10,832 |
| Net interest income | $1,492,000 | 9,143 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $375,000 | 6,744 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $332,000 | 4,056 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 10,513 |
| Total noninterest expense | $1,106,000 | 9,308 |
| Salaries and employee benefits | $531,000 | 9,371 |
| Premises and equipment expense | $110,000 | 10,124 |
| Additional noninterest expense | $465,000 | 8,564 |
| Pre-tax net operating income | $761,000 | 7,023 |
| Securities gains (losses) | $39,000 | 3,767 |
| Applicable income taxes | $249,000 | 6,818 |
| Income before extraordinary items | $551,000 | 7,144 |
| Extraordinary gains, net | $-33,000 | 12,584 |
| Net income | $518,000 | 7,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $166,000 | 5,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $524,090 | 7,105 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,095,000 | 10,708 |
| Total interest expense | $771,000 | 11,459 |
| Net interest income | $1,324,000 | 9,887 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $500,000 | 5,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 4,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 6,197 |
| Total noninterest expense | $1,042,000 | 9,790 |
| Salaries and employee benefits | $505,000 | 9,737 |
| Premises and equipment expense | $78,000 | 11,557 |
| Additional noninterest expense | $459,000 | 8,878 |
| Pre-tax net operating income | $782,000 | 6,653 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $266,000 | 6,424 |
| Income before extraordinary items | $539,000 | 7,009 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $539,000 | 7,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 13,574 |
| Cash dividends | $166,000 | 5,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $523,590 | 6,762 |
* 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.