Home > First American Bank > Income and Expense
First American Bank, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,799,000 | 2,675 |
| Total interest expense | $948,000 | 4,293 |
| Net interest income | $4,851,000 | 2,227 |
| Provision for loan and lease losses | $-20,000 | 8,648 |
| Total noninterest income | $787,000 | 2,572 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $447,000 | 1,876 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $340,000 | 2,830 |
| Total noninterest expense | $3,614,000 | 2,270 |
| Salaries and employee benefits | $2,075,000 | 2,179 |
| Premises and equipment expense | $409,000 | 2,785 |
| Additional noninterest expense | $1,130,000 | 2,180 |
| Pre-tax net operating income | $2,044,000 | 2,151 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $753,000 | 1,698 |
| Income before extraordinary items | $1,293,000 | 2,499 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,293,000 | 2,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,182 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $729,000 | 261 |
| Net operating income | $1,291,720 | 2,461 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,761,000 | 2,755 |
| Total interest expense | $423,000 | 4,503 |
| Net interest income | $2,338,000 | 2,298 |
| Provision for loan and lease losses | $-20,000 | 8,753 |
| Total noninterest income | $399,000 | 2,492 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $233,000 | 1,747 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $166,000 | 2,792 |
| Total noninterest expense | $1,908,000 | 2,166 |
| Salaries and employee benefits | $1,081,000 | 2,111 |
| Premises and equipment expense | $205,000 | 2,817 |
| Additional noninterest expense | $622,000 | 1,977 |
| Pre-tax net operating income | $849,000 | 2,452 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $310,000 | 1,931 |
| Income before extraordinary items | $539,000 | 2,866 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $539,000 | 2,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,314 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $351,000 | 184 |
| Net operating income | $539,000 | 2,815 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,098,000 | 2,803 |
| Total interest expense | $1,384,000 | 4,737 |
| Net interest income | $8,714,000 | 2,348 |
| Provision for loan and lease losses | $-96,000 | 8,787 |
| Total noninterest income | $1,657,000 | 2,500 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,076,000 | 1,630 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $581,000 | 3,040 |
| Total noninterest expense | $7,265,000 | 2,194 |
| Salaries and employee benefits | $3,869,000 | 2,252 |
| Premises and equipment expense | $896,000 | 2,530 |
| Additional noninterest expense | $2,500,000 | 1,947 |
| Pre-tax net operating income | $3,202,000 | 2,448 |
| Securities gains (losses) | $306,000 | 633 |
| Applicable income taxes | $1,266,000 | 1,835 |
| Income before extraordinary items | $2,242,000 | 2,648 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,242,000 | 2,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-132,000 | 8,831 |
| Cash dividends | $678,000 | 3,024 |
| Sale, conversion, retirement of capital stock, net | $-537,000 | 8,931 |
| Net operating income | $2,046,160 | 2,791 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,462,000 | 2,804 |
| Total interest expense | $1,005,000 | 4,777 |
| Net interest income | $6,457,000 | 2,338 |
| Provision for loan and lease losses | $-96,000 | 8,867 |
| Total noninterest income | $1,259,000 | 2,493 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $819,000 | 1,614 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $440,000 | 3,027 |
| Total noninterest expense | $5,494,000 | 2,162 |
| Salaries and employee benefits | $2,917,000 | 2,220 |
| Premises and equipment expense | $688,000 | 2,459 |
| Additional noninterest expense | $1,889,000 | 1,906 |
| Pre-tax net operating income | $2,318,000 | 2,553 |
| Securities gains (losses) | $117,000 | 1,075 |
| Applicable income taxes | $893,000 | 1,953 |
| Income before extraordinary items | $1,542,000 | 2,882 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,542,000 | 2,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-105,000 | 8,817 |
| Cash dividends | $211,000 | 3,898 |
| Sale, conversion, retirement of capital stock, net | $-581,000 | 8,996 |
| Net operating income | $1,467,120 | 2,929 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,967,000 | 2,801 |
| Total interest expense | $646,000 | 4,880 |
| Net interest income | $4,321,000 | 2,311 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $866,000 | 2,451 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $562,000 | 1,565 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $304,000 | 2,962 |
| Total noninterest expense | $3,721,000 | 2,142 |
| Salaries and employee benefits | $1,986,000 | 2,185 |
| Premises and equipment expense | $471,000 | 2,401 |
| Additional noninterest expense | $1,264,000 | 1,886 |
| Pre-tax net operating income | $1,466,000 | 2,636 |
| Securities gains (losses) | $115,000 | 942 |
| Applicable income taxes | $582,000 | 1,977 |
| Income before extraordinary items | $999,000 | 2,943 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $999,000 | 2,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 8,836 |
| Cash dividends | $211,000 | 3,372 |
| Sale, conversion, retirement of capital stock, net | $-591,000 | 9,061 |
| Net operating income | $925,400 | 3,047 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,487,000 | 2,803 |
| Total interest expense | $322,000 | 4,957 |
| Net interest income | $2,165,000 | 2,299 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $431,000 | 2,412 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $301,000 | 1,418 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $130,000 | 3,191 |
| Total noninterest expense | $1,886,000 | 2,124 |
| Salaries and employee benefits | $1,043,000 | 2,113 |
| Premises and equipment expense | $231,000 | 2,467 |
| Additional noninterest expense | $612,000 | 1,944 |
| Pre-tax net operating income | $710,000 | 2,674 |
| Securities gains (losses) | $13,000 | 1,918 |
| Applicable income taxes | $260,000 | 2,133 |
| Income before extraordinary items | $463,000 | 3,126 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $463,000 | 3,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,875 |
| Cash dividends | $211,000 | 2,093 |
| Sale, conversion, retirement of capital stock, net | $223,000 | 194 |
| Net operating income | $454,680 | 3,057 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,982,000 | 2,827 |
| Total interest expense | $1,472,000 | 4,930 |
| Net interest income | $8,510,000 | 2,281 |
| Provision for loan and lease losses | $2,700,000 | 526 |
| Total noninterest income | $2,237,000 | 2,133 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,165,000 | 1,475 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,072,000 | 2,287 |
| Total noninterest expense | $7,970,000 | 1,988 |
| Salaries and employee benefits | $4,141,000 | 2,049 |
| Premises and equipment expense | $1,071,000 | 2,125 |
| Additional noninterest expense | $2,758,000 | 1,761 |
| Pre-tax net operating income | $77,000 | 8,286 |
| Securities gains (losses) | $482,000 | 766 |
| Applicable income taxes | $214,000 | 4,830 |
| Income before extraordinary items | $345,000 | 7,066 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $345,000 | 7,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,281,000 | 376 |
| Cash dividends | $187,000 | 5,016 |
| Sale, conversion, retirement of capital stock, net | $-60,000 | 9,100 |
| Net operating income | $36,520 | 8,420 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,496,000 | 2,864 |
| Total interest expense | $1,145,000 | 4,948 |
| Net interest income | $6,351,000 | 2,297 |
| Provision for loan and lease losses | $2,700,000 | 421 |
| Total noninterest income | $1,648,000 | 2,204 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $871,000 | 1,499 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $777,000 | 2,407 |
| Total noninterest expense | $5,839,000 | 2,028 |
| Salaries and employee benefits | $3,129,000 | 2,046 |
| Premises and equipment expense | $825,000 | 2,088 |
| Additional noninterest expense | $1,885,000 | 1,902 |
| Pre-tax net operating income | $-540,000 | 8,977 |
| Securities gains (losses) | $169,000 | 1,333 |
| Applicable income taxes | $-152,000 | 9,095 |
| Income before extraordinary items | $-219,000 | 8,911 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-219,000 | 8,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,923,000 | 334 |
| Cash dividends | $187,000 | 4,134 |
| Sale, conversion, retirement of capital stock, net | $-486,000 | 9,200 |
| Net operating income | $-327,160 | 8,899 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,107,000 | 2,829 |
| Total interest expense | $797,000 | 4,933 |
| Net interest income | $4,310,000 | 2,261 |
| Provision for loan and lease losses | $2,700,000 | 316 |
| Total noninterest income | $843,000 | 2,646 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $558,000 | 1,528 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $285,000 | 3,401 |
| Total noninterest expense | $3,793,000 | 2,079 |
| Salaries and employee benefits | $2,087,000 | 2,031 |
| Premises and equipment expense | $553,000 | 2,071 |
| Additional noninterest expense | $1,153,000 | 2,072 |
| Pre-tax net operating income | $-1,340,000 | 9,190 |
| Securities gains (losses) | $145,000 | 1,245 |
| Applicable income taxes | $-490,000 | 9,217 |
| Income before extraordinary items | $-705,000 | 9,176 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-705,000 | 9,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,912,000 | 267 |
| Cash dividends | $187,000 | 3,600 |
| Sale, conversion, retirement of capital stock, net | $-695,000 | 9,240 |
| Net operating income | $-797,800 | 9,135 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,611,000 | 2,792 |
| Total interest expense | $406,000 | 4,993 |
| Net interest income | $2,205,000 | 2,210 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $451,000 | 2,472 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $267,000 | 1,544 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $184,000 | 2,869 |
| Total noninterest expense | $1,889,000 | 2,068 |
| Salaries and employee benefits | $1,052,000 | 2,013 |
| Premises and equipment expense | $274,000 | 2,079 |
| Additional noninterest expense | $563,000 | 2,089 |
| Pre-tax net operating income | $767,000 | 2,557 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $317,000 | 1,976 |
| Income before extraordinary items | $450,000 | 3,172 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $450,000 | 3,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,840 |
| Cash dividends | $187,000 | 2,315 |
| Sale, conversion, retirement of capital stock, net | $-717,000 | 9,299 |
| Net operating income | $450,000 | 3,009 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,154,000 | 2,733 |
| Total interest expense | $2,185,000 | 4,527 |
| Net interest income | $8,969,000 | 2,161 |
| Provision for loan and lease losses | $-112,000 | 9,272 |
| Total noninterest income | $1,547,000 | 2,563 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $915,000 | 1,760 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $632,000 | 2,882 |
| Total noninterest expense | $7,164,000 | 2,096 |
| Salaries and employee benefits | $3,905,000 | 2,046 |
| Premises and equipment expense | $1,115,000 | 1,979 |
| Additional noninterest expense | $2,144,000 | 2,163 |
| Pre-tax net operating income | $3,464,000 | 2,226 |
| Securities gains (losses) | $-333,000 | 9,229 |
| Applicable income taxes | $1,316,000 | 1,827 |
| Income before extraordinary items | $1,815,000 | 3,006 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,815,000 | 3,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-113,000 | 9,242 |
| Cash dividends | $159,000 | 5,151 |
| Sale, conversion, retirement of capital stock, net | $376,000 | 504 |
| Net operating income | $2,028,120 | 2,674 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,137,000 | 2,789 |
| Total interest expense | $3,214,000 | 4,479 |
| Net interest income | $8,923,000 | 2,000 |
| Provision for loan and lease losses | $-880,000 | 9,591 |
| Total noninterest income | $1,862,000 | 2,129 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $795,000 | 1,912 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,067,000 | 1,949 |
| Total noninterest expense | $7,180,000 | 1,997 |
| Salaries and employee benefits | $3,831,000 | 1,963 |
| Premises and equipment expense | $1,087,000 | 1,968 |
| Additional noninterest expense | $2,262,000 | 1,989 |
| Pre-tax net operating income | $4,485,000 | 1,600 |
| Securities gains (losses) | $-344,000 | 9,566 |
| Applicable income taxes | $1,739,000 | 1,321 |
| Income before extraordinary items | $2,402,000 | 2,167 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,402,000 | 2,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-976,000 | 9,605 |
| Cash dividends | $135,000 | 5,458 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 693 |
| Net operating income | $2,622,160 | 1,917 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,321,000 | 2,830 |
| Total interest expense | $3,282,000 | 4,597 |
| Net interest income | $9,039,000 | 1,947 |
| Provision for loan and lease losses | $-130,000 | 9,819 |
| Total noninterest income | $1,184,000 | 2,784 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $725,000 | 1,906 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $459,000 | 3,085 |
| Total noninterest expense | $7,142,000 | 1,951 |
| Salaries and employee benefits | $3,898,000 | 1,850 |
| Premises and equipment expense | $993,000 | 2,072 |
| Additional noninterest expense | $2,251,000 | 1,934 |
| Pre-tax net operating income | $3,211,000 | 2,246 |
| Securities gains (losses) | $-669,000 | 9,731 |
| Applicable income taxes | $-189,000 | 9,686 |
| Income before extraordinary items | $2,731,000 | 1,906 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,731,000 | 1,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-276,000 | 9,846 |
| Cash dividends | $109,000 | 5,862 |
| Sale, conversion, retirement of capital stock, net | $401,000 | 568 |
| Net operating income | $3,400,000 | 1,549 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,577,000 | 3,349 |
| Total interest expense | $2,673,000 | 5,009 |
| Net interest income | $6,904,000 | 2,542 |
| Provision for loan and lease losses | $-59,000 | 10,069 |
| Total noninterest income | $1,199,000 | 2,689 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $643,000 | 2,065 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $556,000 | 2,757 |
| Total noninterest expense | $6,958,000 | 1,972 |
| Salaries and employee benefits | $3,640,000 | 1,924 |
| Premises and equipment expense | $963,000 | 2,121 |
| Additional noninterest expense | $2,355,000 | 1,855 |
| Pre-tax net operating income | $1,204,000 | 4,755 |
| Securities gains (losses) | $-134,000 | 9,993 |
| Applicable income taxes | $-322,000 | 10,101 |
| Income before extraordinary items | $1,392,000 | 3,437 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,392,000 | 3,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 9,951 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,526,000 | 3,158 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,508,000 | 3,709 |
| Total interest expense | $2,706,000 | 5,087 |
| Net interest income | $5,802,000 | 2,973 |
| Provision for loan and lease losses | $-229,000 | 10,385 |
| Total noninterest income | $2,658,000 | 1,476 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $680,000 | 1,880 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,978,000 | 1,166 |
| Total noninterest expense | $5,908,000 | 2,215 |
| Salaries and employee benefits | $2,843,000 | 2,374 |
| Premises and equipment expense | $819,000 | 2,394 |
| Additional noninterest expense | $2,246,000 | 1,880 |
| Pre-tax net operating income | $2,781,000 | 2,550 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $2,795,000 | 1,876 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,795,000 | 1,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-228,000 | 10,363 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 889 |
| Net operating income | $2,781,000 | 1,812 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,259,000 | 3,858 |
| Total interest expense | $2,505,000 | 5,404 |
| Net interest income | $5,754,000 | 3,032 |
| Provision for loan and lease losses | $535,000 | 1,688 |
| Total noninterest income | $1,199,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $951,000 | 1,344 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $248,000 | 4,384 |
| Total noninterest expense | $6,363,000 | 2,028 |
| Salaries and employee benefits | $3,077,000 | 2,150 |
| Premises and equipment expense | $795,000 | 2,441 |
| Additional noninterest expense | $2,491,000 | 1,706 |
| Pre-tax net operating income | $55,000 | 10,230 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $55,000 | 10,209 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $55,000 | 10,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,581 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $55,000 | 10,176 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,527,000 | 3,803 |
| Total interest expense | $2,441,000 | 5,614 |
| Net interest income | $6,086,000 | 2,918 |
| Provision for loan and lease losses | $2,545,000 | 514 |
| Total noninterest income | $1,157,000 | 2,763 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $867,000 | 1,540 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $290,000 | 4,158 |
| Total noninterest expense | $13,368,000 | 1,114 |
| Salaries and employee benefits | $2,660,000 | 2,502 |
| Premises and equipment expense | $750,000 | 2,605 |
| Additional noninterest expense | $9,958,000 | 679 |
| Pre-tax net operating income | $-8,670,000 | 11,461 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-135,000 | 11,214 |
| Income before extraordinary items | $-8,535,000 | 11,437 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-8,535,000 | 11,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,232,000 | 531 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-8,535,000 | 11,438 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,411,000 | 3,845 |
| Total interest expense | $2,217,000 | 6,054 |
| Net interest income | $6,194,000 | 2,872 |
| Provision for loan and lease losses | $963,000 | 974 |
| Total noninterest income | $669,000 | 4,231 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $594,000 | 2,287 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $75,000 | 8,156 |
| Total noninterest expense | $5,760,000 | 2,365 |
| Salaries and employee benefits | $2,620,000 | 2,545 |
| Premises and equipment expense | $846,000 | 2,359 |
| Additional noninterest expense | $2,294,000 | 2,149 |
| Pre-tax net operating income | $140,000 | 10,831 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $58,000 | 10,021 |
| Income before extraordinary items | $82,000 | 11,086 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $82,000 | 11,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,760,000 | 618 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $82,000 | 11,069 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,576,000 | 3,495 |
| Total interest expense | $2,098,000 | 5,398 |
| Net interest income | $6,478,000 | 2,794 |
| Provision for loan and lease losses | $150,000 | 3,586 |
| Total noninterest income | $724,000 | 4,011 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $554,000 | 2,457 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $170,000 | 5,815 |
| Total noninterest expense | $5,790,000 | 2,425 |
| Salaries and employee benefits | $2,698,000 | 2,481 |
| Premises and equipment expense | $837,000 | 2,419 |
| Additional noninterest expense | $2,255,000 | 2,327 |
| Pre-tax net operating income | $1,262,000 | 5,045 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $517,000 | 3,952 |
| Income before extraordinary items | $745,000 | 5,638 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $745,000 | 5,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 1,183 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $745,000 | 5,706 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,202,000 | 3,726 |
| Total interest expense | $2,163,000 | 5,459 |
| Net interest income | $6,039,000 | 3,012 |
| Provision for loan and lease losses | $344,000 | 2,747 |
| Total noninterest income | $1,312,000 | 2,720 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $658,000 | 2,071 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $654,000 | 2,716 |
| Total noninterest expense | $5,953,000 | 2,412 |
| Salaries and employee benefits | $2,725,000 | 2,440 |
| Premises and equipment expense | $818,000 | 2,500 |
| Additional noninterest expense | $2,410,000 | 2,318 |
| Pre-tax net operating income | $1,054,000 | 5,668 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $396,000 | 5,044 |
| Income before extraordinary items | $658,000 | 6,372 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $658,000 | 6,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,218,000 | 691 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $658,000 | 6,132 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,998,000 | 3,486 |
| Total interest expense | $3,435,000 | 4,613 |
| Net interest income | $6,563,000 | 2,790 |
| Provision for loan and lease losses | $3,212,000 | 793 |
| Total noninterest income | $1,609,000 | 2,271 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $767,000 | 1,762 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $842,000 | 2,243 |
| Total noninterest expense | $6,515,000 | 2,247 |
| Salaries and employee benefits | $2,537,000 | 2,549 |
| Premises and equipment expense | $816,000 | 2,535 |
| Additional noninterest expense | $3,162,000 | 1,918 |
| Pre-tax net operating income | $-1,555,000 | 13,581 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-648,000 | 13,782 |
| Income before extraordinary items | $-907,000 | 13,528 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-907,000 | 13,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,129,000 | 713 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-907,000 | 13,449 |
* 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.