Home > First Bank of San Luis Obispo > Income and Expense
First Bank of San Luis Obispo, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,941,000 | 1,778 |
| Total interest expense | $2,264,000 | 2,176 |
| Net interest income | $6,677,000 | 1,603 |
| Provision for loan and lease losses | $267,000 | 1,692 |
| Total noninterest income | $1,628,000 | 1,492 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $361,000 | 2,247 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,267,000 | 1,135 |
| Total noninterest expense | $4,972,000 | 1,680 |
| Salaries and employee benefits | $3,281,000 | 1,407 |
| Premises and equipment expense | $417,000 | 2,734 |
| Additional noninterest expense | $1,274,000 | 1,924 |
| Pre-tax net operating income | $3,066,000 | 1,519 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,188,000 | 1,183 |
| Income before extraordinary items | $1,878,000 | 1,819 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,878,000 | 1,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,444 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,878,000 | 1,781 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,315,000 | 1,815 |
| Total interest expense | $1,035,000 | 2,266 |
| Net interest income | $3,280,000 | 1,624 |
| Provision for loan and lease losses | $222,000 | 1,049 |
| Total noninterest income | $916,000 | 1,344 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $185,000 | 2,151 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $731,000 | 1,012 |
| Total noninterest expense | $2,347,000 | 1,782 |
| Salaries and employee benefits | $1,430,000 | 1,615 |
| Premises and equipment expense | $211,000 | 2,733 |
| Additional noninterest expense | $706,000 | 1,752 |
| Pre-tax net operating income | $1,627,000 | 1,407 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $642,000 | 1,083 |
| Income before extraordinary items | $985,000 | 1,702 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $985,000 | 1,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,610 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $985,000 | 1,670 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,741,000 | 1,929 |
| Total interest expense | $2,771,000 | 2,791 |
| Net interest income | $11,970,000 | 1,693 |
| Provision for loan and lease losses | $573,000 | 1,748 |
| Total noninterest income | $2,335,000 | 1,964 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $774,000 | 2,203 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,561,000 | 1,595 |
| Total noninterest expense | $9,465,000 | 1,713 |
| Salaries and employee benefits | $5,423,000 | 1,620 |
| Premises and equipment expense | $854,000 | 2,634 |
| Additional noninterest expense | $3,188,000 | 1,539 |
| Pre-tax net operating income | $4,267,000 | 1,936 |
| Securities gains (losses) | $159,000 | 956 |
| Applicable income taxes | $1,634,000 | 1,511 |
| Income before extraordinary items | $2,792,000 | 2,208 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,792,000 | 2,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,896 |
| Cash dividends | $920,000 | 2,474 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,690,240 | 2,222 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,802,000 | 1,947 |
| Total interest expense | $2,003,000 | 2,837 |
| Net interest income | $8,799,000 | 1,713 |
| Provision for loan and lease losses | $362,000 | 1,927 |
| Total noninterest income | $1,833,000 | 1,910 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $594,000 | 2,177 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,239,000 | 1,525 |
| Total noninterest expense | $7,096,000 | 1,698 |
| Salaries and employee benefits | $3,995,000 | 1,658 |
| Premises and equipment expense | $636,000 | 2,641 |
| Additional noninterest expense | $2,465,000 | 1,489 |
| Pre-tax net operating income | $3,174,000 | 1,979 |
| Securities gains (losses) | $135,000 | 993 |
| Applicable income taxes | $1,225,000 | 1,521 |
| Income before extraordinary items | $2,084,000 | 2,235 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,084,000 | 2,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $570,000 | 2,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,997,600 | 2,272 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,120,000 | 1,961 |
| Total interest expense | $1,319,000 | 2,858 |
| Net interest income | $5,801,000 | 1,722 |
| Provision for loan and lease losses | $277,000 | 1,685 |
| Total noninterest income | $1,225,000 | 1,891 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $395,000 | 2,169 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $830,000 | 1,514 |
| Total noninterest expense | $4,788,000 | 1,681 |
| Salaries and employee benefits | $2,630,000 | 1,675 |
| Premises and equipment expense | $408,000 | 2,742 |
| Additional noninterest expense | $1,750,000 | 1,385 |
| Pre-tax net operating income | $1,961,000 | 2,076 |
| Securities gains (losses) | $135,000 | 852 |
| Applicable income taxes | $767,000 | 1,576 |
| Income before extraordinary items | $1,329,000 | 2,306 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,329,000 | 2,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,391 |
| Cash dividends | $570,000 | 1,966 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,242,600 | 2,381 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,472,000 | 2,020 |
| Total interest expense | $676,000 | 2,835 |
| Net interest income | $2,796,000 | 1,779 |
| Provision for loan and lease losses | $237,000 | 1,010 |
| Total noninterest income | $572,000 | 1,957 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $176,000 | 2,323 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $396,000 | 1,547 |
| Total noninterest expense | $2,461,000 | 1,658 |
| Salaries and employee benefits | $1,318,000 | 1,679 |
| Premises and equipment expense | $207,000 | 2,727 |
| Additional noninterest expense | $936,000 | 1,283 |
| Pre-tax net operating income | $670,000 | 2,793 |
| Securities gains (losses) | $135,000 | 665 |
| Applicable income taxes | $277,000 | 2,041 |
| Income before extraordinary items | $528,000 | 2,811 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $528,000 | 2,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $570,000 | 1,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $438,900 | 3,149 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,515,000 | 1,832 |
| Total interest expense | $3,828,000 | 2,310 |
| Net interest income | $11,687,000 | 1,661 |
| Provision for loan and lease losses | $495,000 | 2,187 |
| Total noninterest income | $2,481,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $659,000 | 2,497 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,822,000 | 1,569 |
| Total noninterest expense | $9,395,000 | 1,707 |
| Salaries and employee benefits | $5,823,000 | 1,474 |
| Premises and equipment expense | $894,000 | 2,501 |
| Additional noninterest expense | $2,678,000 | 1,805 |
| Pre-tax net operating income | $4,278,000 | 1,878 |
| Securities gains (losses) | $23,000 | 3,134 |
| Applicable income taxes | $1,525,000 | 1,601 |
| Income before extraordinary items | $2,776,000 | 2,187 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,776,000 | 2,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,810 |
| Cash dividends | $1,671,000 | 1,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,761,050 | 2,095 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,215,000 | 1,777 |
| Total interest expense | $2,970,000 | 2,314 |
| Net interest income | $9,245,000 | 1,582 |
| Provision for loan and lease losses | $230,000 | 3,018 |
| Total noninterest income | $1,969,000 | 1,933 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $495,000 | 2,495 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,474,000 | 1,549 |
| Total noninterest expense | $6,775,000 | 1,766 |
| Salaries and employee benefits | $4,137,000 | 1,572 |
| Premises and equipment expense | $723,000 | 2,337 |
| Additional noninterest expense | $1,915,000 | 1,874 |
| Pre-tax net operating income | $4,209,000 | 1,508 |
| Securities gains (losses) | $31,000 | 2,671 |
| Applicable income taxes | $1,585,000 | 1,282 |
| Income before extraordinary items | $2,655,000 | 1,822 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,655,000 | 1,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,957 |
| Cash dividends | $1,260,000 | 1,468 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,635,160 | 1,732 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,990,000 | 1,829 |
| Total interest expense | $2,047,000 | 2,323 |
| Net interest income | $5,943,000 | 1,637 |
| Provision for loan and lease losses | $200,000 | 2,502 |
| Total noninterest income | $1,340,000 | 1,873 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $320,000 | 2,524 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,020,000 | 1,496 |
| Total noninterest expense | $4,515,000 | 1,762 |
| Salaries and employee benefits | $2,774,000 | 1,555 |
| Premises and equipment expense | $471,000 | 2,378 |
| Additional noninterest expense | $1,270,000 | 1,889 |
| Pre-tax net operating income | $2,568,000 | 1,636 |
| Securities gains (losses) | $22,000 | 2,556 |
| Applicable income taxes | $842,000 | 1,553 |
| Income before extraordinary items | $1,748,000 | 1,838 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,748,000 | 1,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,965 |
| Cash dividends | $847,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,733,260 | 1,738 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,070,000 | 1,801 |
| Total interest expense | $1,092,000 | 2,235 |
| Net interest income | $2,978,000 | 1,645 |
| Provision for loan and lease losses | $120,000 | 2,030 |
| Total noninterest income | $439,000 | 2,516 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $152,000 | 2,558 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $287,000 | 2,171 |
| Total noninterest expense | $2,196,000 | 1,786 |
| Salaries and employee benefits | $1,382,000 | 1,543 |
| Premises and equipment expense | $216,000 | 2,589 |
| Additional noninterest expense | $598,000 | 1,975 |
| Pre-tax net operating income | $1,101,000 | 1,876 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $333,000 | 1,906 |
| Income before extraordinary items | $768,000 | 2,046 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $768,000 | 2,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $435,000 | 1,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $768,000 | 1,927 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,604,000 | 1,750 |
| Total interest expense | $5,310,000 | 2,117 |
| Net interest income | $12,294,000 | 1,575 |
| Provision for loan and lease losses | $810,000 | 1,611 |
| Total noninterest income | $1,415,000 | 2,732 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $563,000 | 2,696 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $852,000 | 2,409 |
| Total noninterest expense | $8,028,000 | 1,879 |
| Salaries and employee benefits | $5,054,000 | 1,602 |
| Premises and equipment expense | $842,000 | 2,560 |
| Additional noninterest expense | $2,132,000 | 2,182 |
| Pre-tax net operating income | $4,871,000 | 1,668 |
| Securities gains (losses) | $-3,962,000 | 9,343 |
| Applicable income taxes | $-5,000 | 8,824 |
| Income before extraordinary items | $914,000 | 4,836 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $914,000 | 4,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 2,338 |
| Cash dividends | $1,034,000 | 2,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,876,000 | 1,241 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,099,000 | 1,783 |
| Total interest expense | $9,059,000 | 1,792 |
| Net interest income | $10,040,000 | 1,774 |
| Provision for loan and lease losses | $1,555,000 | 874 |
| Total noninterest income | $1,149,000 | 3,016 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $568,000 | 2,549 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $581,000 | 2,886 |
| Total noninterest expense | $7,278,000 | 1,970 |
| Salaries and employee benefits | $4,242,000 | 1,772 |
| Premises and equipment expense | $770,000 | 2,734 |
| Additional noninterest expense | $2,266,000 | 1,986 |
| Pre-tax net operating income | $2,356,000 | 2,795 |
| Securities gains (losses) | $688,000 | 507 |
| Applicable income taxes | $741,000 | 2,569 |
| Income before extraordinary items | $2,303,000 | 2,248 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,303,000 | 2,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,668,000 | 652 |
| Cash dividends | $917,000 | 2,399 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,780,120 | 2,734 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,942,000 | 1,838 |
| Total interest expense | $8,314,000 | 2,068 |
| Net interest income | $10,628,000 | 1,651 |
| Provision for loan and lease losses | $650,000 | 1,497 |
| Total noninterest income | $985,000 | 3,166 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $483,000 | 2,773 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $502,000 | 2,939 |
| Total noninterest expense | $6,544,000 | 2,106 |
| Salaries and employee benefits | $3,858,000 | 1,867 |
| Premises and equipment expense | $669,000 | 2,988 |
| Additional noninterest expense | $2,017,000 | 2,138 |
| Pre-tax net operating income | $4,419,000 | 1,665 |
| Securities gains (losses) | $90,000 | 592 |
| Applicable income taxes | $1,549,000 | 1,470 |
| Income before extraordinary items | $2,960,000 | 1,764 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,960,000 | 1,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $418,000 | 1,425 |
| Cash dividends | $1,345,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,900,600 | 1,798 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,802,000 | 2,203 |
| Total interest expense | $5,716,000 | 2,579 |
| Net interest income | $9,086,000 | 1,947 |
| Provision for loan and lease losses | $285,000 | 2,788 |
| Total noninterest income | $935,000 | 3,248 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $412,000 | 3,146 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $523,000 | 2,873 |
| Total noninterest expense | $5,670,000 | 2,394 |
| Salaries and employee benefits | $3,245,000 | 2,164 |
| Premises and equipment expense | $582,000 | 3,357 |
| Additional noninterest expense | $1,843,000 | 2,367 |
| Pre-tax net operating income | $4,066,000 | 1,812 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,556,000 | 1,547 |
| Income before extraordinary items | $2,510,000 | 2,097 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,510,000 | 2,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,940 |
| Cash dividends | $1,014,000 | 2,220 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,510,000 | 2,068 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,112,000 | 2,687 |
| Total interest expense | $4,433,000 | 3,345 |
| Net interest income | $7,679,000 | 2,227 |
| Provision for loan and lease losses | $174,000 | 3,870 |
| Total noninterest income | $954,000 | 3,189 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $377,000 | 3,294 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $577,000 | 2,707 |
| Total noninterest expense | $4,855,000 | 2,696 |
| Salaries and employee benefits | $2,536,000 | 2,666 |
| Premises and equipment expense | $390,000 | 4,514 |
| Additional noninterest expense | $1,929,000 | 2,170 |
| Pre-tax net operating income | $3,604,000 | 2,014 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,384,000 | 1,751 |
| Income before extraordinary items | $2,220,000 | 2,324 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,220,000 | 2,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,568 |
| Cash dividends | $950,000 | 2,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,220,000 | 2,249 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,747,000 | 3,023 |
| Total interest expense | $3,837,000 | 3,835 |
| Net interest income | $6,911,000 | 2,511 |
| Provision for loan and lease losses | $653,000 | 1,399 |
| Total noninterest income | $605,000 | 4,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $339,000 | 3,719 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $266,000 | 4,212 |
| Total noninterest expense | $3,739,000 | 3,377 |
| Salaries and employee benefits | $2,096,000 | 3,164 |
| Premises and equipment expense | $181,000 | 7,183 |
| Additional noninterest expense | $1,462,000 | 2,796 |
| Pre-tax net operating income | $3,123,000 | 2,400 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,228,000 | 2,033 |
| Income before extraordinary items | $1,895,000 | 2,707 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,895,000 | 2,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,876 |
| Cash dividends | $697,000 | 2,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,895,000 | 2,659 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,837,000 | 4,119 |
| Total interest expense | $2,389,000 | 5,691 |
| Net interest income | $5,447,000 | 3,246 |
| Provision for loan and lease losses | $280,000 | 2,725 |
| Total noninterest income | $464,000 | 5,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,346 |
| Total noninterest expense | $3,452,000 | 3,822 |
| Salaries and employee benefits | $1,968,000 | 3,381 |
| Premises and equipment expense | $152,000 | 8,015 |
| Additional noninterest expense | $1,332,000 | 3,454 |
| Pre-tax net operating income | $2,179,000 | 3,185 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $824,000 | 2,774 |
| Income before extraordinary items | $1,355,000 | 3,502 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,355,000 | 3,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,890 |
| Cash dividends | $570,000 | 3,157 |
| Sale, conversion, retirement of capital stock, net | $-391,000 | 11,389 |
| Net operating income | $1,355,000 | 3,458 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,589,000 | 4,799 |
| Total interest expense | $1,726,000 | 7,072 |
| Net interest income | $4,863,000 | 3,631 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $501,000 | 5,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 4,990 |
| Total noninterest expense | $3,239,000 | 4,022 |
| Salaries and employee benefits | $1,916,000 | 3,432 |
| Premises and equipment expense | $147,000 | 8,349 |
| Additional noninterest expense | $1,176,000 | 3,803 |
| Pre-tax net operating income | $1,885,000 | 3,686 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $685,000 | 3,293 |
| Income before extraordinary items | $1,200,000 | 3,963 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,200,000 | 3,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $529,000 | 1,332 |
| Cash dividends | $525,000 | 3,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,200,000 | 3,943 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,796,000 | 5,021 |
| Total interest expense | $1,348,000 | 7,406 |
| Net interest income | $4,448,000 | 3,960 |
| Provision for loan and lease losses | $314,000 | 2,184 |
| Total noninterest income | $520,000 | 5,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 4,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 5,180 |
| Total noninterest expense | $2,989,000 | 4,426 |
| Salaries and employee benefits | $1,774,000 | 3,669 |
| Premises and equipment expense | $147,000 | 8,631 |
| Additional noninterest expense | $1,068,000 | 4,458 |
| Pre-tax net operating income | $1,665,000 | 4,028 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $560,000 | 3,712 |
| Income before extraordinary items | $1,105,000 | 4,162 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,105,000 | 4,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,289 |
| Cash dividends | $472,000 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,105,000 | 4,202 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,110,000 | 5,667 |
| Total interest expense | $1,303,000 | 7,875 |
| Net interest income | $3,807,000 | 4,603 |
| Provision for loan and lease losses | $140,000 | 4,819 |
| Total noninterest income | $514,000 | 5,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,531 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 5,343 |
| Total noninterest expense | $2,666,000 | 4,985 |
| Salaries and employee benefits | $1,512,000 | 4,242 |
| Premises and equipment expense | $135,000 | 9,319 |
| Additional noninterest expense | $1,019,000 | 4,849 |
| Pre-tax net operating income | $1,515,000 | 4,287 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $489,000 | 4,269 |
| Income before extraordinary items | $1,026,000 | 4,602 |
| Extraordinary gains, net | $-23,000 | 12,488 |
| Net income | $1,003,000 | 4,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $511,000 | 1,736 |
| Cash dividends | $420,000 | 3,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,026,000 | 4,362 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,337,000 | 6,049 |
| Total interest expense | $1,750,000 | 7,764 |
| Net interest income | $3,587,000 | 4,903 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $501,000 | 5,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,969 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $240,000 | 5,106 |
| Total noninterest expense | $2,423,000 | 5,455 |
| Salaries and employee benefits | $1,419,000 | 4,443 |
| Premises and equipment expense | $141,000 | 9,376 |
| Additional noninterest expense | $863,000 | 5,713 |
| Pre-tax net operating income | $1,465,000 | 4,128 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $454,000 | 4,338 |
| Income before extraordinary items | $1,011,000 | 4,451 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,011,000 | 4,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $389,000 | 2,873 |
| Cash dividends | $538,000 | 2,625 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 857 |
| Net operating income | $1,011,000 | 4,135 |
* 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.