Home > First Federal Savings Bank of Lake County > Income and Expense
First Federal Savings Bank of Lake County, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $15,098,000 | 527 |
| Total interest expense | $6,045,000 | 419 |
| Net interest income | $9,053,000 | 578 |
| Provision for loan and lease losses | $350,000 | 668 |
| Total noninterest income | $869,000 | 1,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $869,000 | 883 |
| Total noninterest expense | $4,828,000 | 864 |
| Salaries and employee benefits | $3,003,000 | 736 |
| Premises and equipment expense | $1,234,000 | 482 |
| Additional noninterest expense | $591,000 | 2,075 |
| Pre-tax net operating income | $4,744,000 | 543 |
| Securities gains (losses) | $135,000 | 319 |
| Applicable income taxes | $1,841,000 | 489 |
| Income before extraordinary items | $3,038,000 | 602 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,038,000 | 602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,258 |
| Cash dividends | $2,000,000 | 351 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,951,600 | 594 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $55,390,000 | 531 |
| Total interest expense | $23,032,000 | 373 |
| Net interest income | $32,358,000 | 616 |
| Provision for loan and lease losses | $1,675,000 | 644 |
| Total noninterest income | $3,846,000 | 1,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,846,000 | 809 |
| Total noninterest expense | $18,171,000 | 902 |
| Salaries and employee benefits | $10,976,000 | 776 |
| Premises and equipment expense | $4,662,000 | 503 |
| Additional noninterest expense | $2,533,000 | 1,922 |
| Pre-tax net operating income | $16,358,000 | 574 |
| Securities gains (losses) | $491,000 | 460 |
| Applicable income taxes | $6,446,000 | 501 |
| Income before extraordinary items | $10,403,000 | 650 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $10,403,000 | 651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $907,000 | 845 |
| Cash dividends | $3,300,000 | 906 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $10,088,760 | 633 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $40,624,000 | 537 |
| Total interest expense | $16,962,000 | 376 |
| Net interest income | $23,662,000 | 624 |
| Provision for loan and lease losses | $1,122,000 | 701 |
| Total noninterest income | $2,835,000 | 1,367 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,835,000 | 839 |
| Total noninterest expense | $13,464,000 | 907 |
| Salaries and employee benefits | $8,030,000 | 799 |
| Premises and equipment expense | $3,522,000 | 503 |
| Additional noninterest expense | $1,912,000 | 1,874 |
| Pre-tax net operating income | $11,911,000 | 590 |
| Securities gains (losses) | $387,000 | 496 |
| Applicable income taxes | $4,658,000 | 511 |
| Income before extraordinary items | $7,640,000 | 668 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $7,640,000 | 669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 940 |
| Cash dividends | $1,500,000 | 1,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $7,392,320 | 661 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $26,600,000 | 531 |
| Total interest expense | $11,172,000 | 378 |
| Net interest income | $15,428,000 | 632 |
| Provision for loan and lease losses | $733,000 | 697 |
| Total noninterest income | $1,775,000 | 1,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,775,000 | 872 |
| Total noninterest expense | $8,943,000 | 910 |
| Salaries and employee benefits | $5,307,000 | 799 |
| Premises and equipment expense | $2,313,000 | 511 |
| Additional noninterest expense | $1,323,000 | 1,806 |
| Pre-tax net operating income | $7,527,000 | 610 |
| Securities gains (losses) | $280,000 | 511 |
| Applicable income taxes | $2,948,000 | 526 |
| Income before extraordinary items | $4,859,000 | 690 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,859,000 | 690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 905 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,679,800 | 681 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $13,218,000 | 541 |
| Total interest expense | $5,587,000 | 386 |
| Net interest income | $7,631,000 | 641 |
| Provision for loan and lease losses | $339,000 | 728 |
| Total noninterest income | $757,000 | 1,554 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $757,000 | 958 |
| Total noninterest expense | $4,431,000 | 923 |
| Salaries and employee benefits | $2,660,000 | 818 |
| Premises and equipment expense | $1,150,000 | 523 |
| Additional noninterest expense | $621,000 | 1,904 |
| Pre-tax net operating income | $3,618,000 | 622 |
| Securities gains (losses) | $150,000 | 618 |
| Applicable income taxes | $1,414,000 | 560 |
| Income before extraordinary items | $2,354,000 | 708 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,354,000 | 708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 814 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,258,000 | 681 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $52,563,000 | 544 |
| Total interest expense | $24,281,000 | 384 |
| Net interest income | $28,282,000 | 668 |
| Provision for loan and lease losses | $1,513,000 | 820 |
| Total noninterest income | $4,279,000 | 1,278 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,279,000 | 857 |
| Total noninterest expense | $16,961,000 | 962 |
| Salaries and employee benefits | $10,196,000 | 834 |
| Premises and equipment expense | $4,269,000 | 543 |
| Additional noninterest expense | $2,496,000 | 1,928 |
| Pre-tax net operating income | $14,087,000 | 635 |
| Securities gains (losses) | $1,179,000 | 424 |
| Applicable income taxes | $5,783,000 | 556 |
| Income before extraordinary items | $9,483,000 | 688 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $9,483,000 | 690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,045,000 | 893 |
| Cash dividends | $2,400,000 | 1,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $8,728,440 | 699 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $39,596,000 | 559 |
| Total interest expense | $18,547,000 | 392 |
| Net interest income | $21,049,000 | 680 |
| Provision for loan and lease losses | $1,123,000 | 806 |
| Total noninterest income | $3,294,000 | 1,292 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,294,000 | 869 |
| Total noninterest expense | $12,586,000 | 983 |
| Salaries and employee benefits | $7,570,000 | 855 |
| Premises and equipment expense | $3,100,000 | 569 |
| Additional noninterest expense | $1,916,000 | 1,872 |
| Pre-tax net operating income | $10,634,000 | 651 |
| Securities gains (losses) | $1,012,000 | 438 |
| Applicable income taxes | $4,395,000 | 567 |
| Income before extraordinary items | $7,251,000 | 712 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,251,000 | 713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $789,000 | 809 |
| Cash dividends | $1,200,000 | 1,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,603,320 | 722 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $26,746,000 | 560 |
| Total interest expense | $12,702,000 | 397 |
| Net interest income | $14,044,000 | 681 |
| Provision for loan and lease losses | $793,000 | 774 |
| Total noninterest income | $2,249,000 | 1,250 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,249,000 | 845 |
| Total noninterest expense | $8,297,000 | 992 |
| Salaries and employee benefits | $4,946,000 | 872 |
| Premises and equipment expense | $2,011,000 | 588 |
| Additional noninterest expense | $1,340,000 | 1,797 |
| Pre-tax net operating income | $7,203,000 | 632 |
| Securities gains (losses) | $631,000 | 499 |
| Applicable income taxes | $2,958,000 | 559 |
| Income before extraordinary items | $4,876,000 | 708 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,876,000 | 709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $448,000 | 913 |
| Cash dividends | $1,200,000 | 1,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,472,160 | 699 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $13,492,000 | 563 |
| Total interest expense | $6,466,000 | 403 |
| Net interest income | $7,026,000 | 683 |
| Provision for loan and lease losses | $406,000 | 710 |
| Total noninterest income | $1,122,000 | 1,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,122,000 | 825 |
| Total noninterest expense | $4,101,000 | 991 |
| Salaries and employee benefits | $2,446,000 | 880 |
| Premises and equipment expense | $968,000 | 603 |
| Additional noninterest expense | $687,000 | 1,720 |
| Pre-tax net operating income | $3,641,000 | 628 |
| Securities gains (losses) | $271,000 | 544 |
| Applicable income taxes | $1,482,000 | 571 |
| Income before extraordinary items | $2,430,000 | 703 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,430,000 | 702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 875 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,256,560 | 692 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $56,106,000 | 565 |
| Total interest expense | $29,449,000 | 415 |
| Net interest income | $26,657,000 | 707 |
| Provision for loan and lease losses | $1,845,000 | 796 |
| Total noninterest income | $4,215,000 | 1,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,215,000 | 791 |
| Total noninterest expense | $14,707,000 | 1,053 |
| Salaries and employee benefits | $8,814,000 | 909 |
| Premises and equipment expense | $3,576,000 | 626 |
| Additional noninterest expense | $2,317,000 | 2,001 |
| Pre-tax net operating income | $14,320,000 | 613 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $5,354,000 | 561 |
| Income before extraordinary items | $8,966,000 | 711 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,966,000 | 712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $875,000 | 1,085 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $8,966,000 | 677 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $56,028,000 | 629 |
| Total interest expense | $35,446,000 | 489 |
| Net interest income | $20,582,000 | 855 |
| Provision for loan and lease losses | $1,115,000 | 1,153 |
| Total noninterest income | $3,119,000 | 1,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,119,000 | 921 |
| Total noninterest expense | $12,566,000 | 1,171 |
| Salaries and employee benefits | $7,554,000 | 988 |
| Premises and equipment expense | $3,141,000 | 687 |
| Additional noninterest expense | $1,871,000 | 2,387 |
| Pre-tax net operating income | $10,020,000 | 764 |
| Securities gains (losses) | $25,000 | 2,980 |
| Applicable income taxes | $3,725,000 | 695 |
| Income before extraordinary items | $6,320,000 | 872 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,320,000 | 874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $557,000 | 1,442 |
| Cash dividends | $2,700,000 | 1,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $6,304,000 | 834 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $48,729,000 | 737 |
| Total interest expense | $30,246,000 | 623 |
| Net interest income | $18,483,000 | 938 |
| Provision for loan and lease losses | $880,000 | 1,180 |
| Total noninterest income | $2,217,000 | 1,739 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,217,000 | 1,062 |
| Total noninterest expense | $11,165,000 | 1,244 |
| Salaries and employee benefits | $6,681,000 | 1,055 |
| Premises and equipment expense | $2,872,000 | 723 |
| Additional noninterest expense | $1,612,000 | 2,645 |
| Pre-tax net operating income | $8,655,000 | 895 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $3,355,000 | 756 |
| Income before extraordinary items | $5,300,000 | 1,012 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,300,000 | 1,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,304 |
| Cash dividends | $2,500,000 | 1,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,300,000 | 1,008 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $37,967,000 | 893 |
| Total interest expense | $21,478,000 | 749 |
| Net interest income | $16,489,000 | 1,064 |
| Provision for loan and lease losses | $719,000 | 1,290 |
| Total noninterest income | $2,877,000 | 1,404 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,877,000 | 919 |
| Total noninterest expense | $10,074,000 | 1,380 |
| Salaries and employee benefits | $6,181,000 | 1,114 |
| Premises and equipment expense | $2,170,000 | 925 |
| Additional noninterest expense | $1,723,000 | 2,516 |
| Pre-tax net operating income | $8,573,000 | 937 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $3,243,000 | 831 |
| Income before extraordinary items | $5,330,000 | 1,038 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,330,000 | 1,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,463 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,330,000 | 1,022 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $31,754,000 | 1,029 |
| Total interest expense | $17,681,000 | 897 |
| Net interest income | $14,073,000 | 1,203 |
| Provision for loan and lease losses | $681,000 | 1,346 |
| Total noninterest income | $1,643,000 | 2,124 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,643,000 | 1,322 |
| Total noninterest expense | $8,256,000 | 1,606 |
| Salaries and employee benefits | $5,186,000 | 1,264 |
| Premises and equipment expense | $1,618,000 | 1,179 |
| Additional noninterest expense | $1,452,000 | 2,861 |
| Pre-tax net operating income | $6,779,000 | 1,112 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $2,549,000 | 1,004 |
| Income before extraordinary items | $4,230,000 | 1,264 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,230,000 | 1,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,009 |
| Cash dividends | $3,502,000 | 859 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,230,000 | 1,217 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $27,989,000 | 1,198 |
| Total interest expense | $15,937,000 | 1,027 |
| Net interest income | $12,052,000 | 1,442 |
| Provision for loan and lease losses | $649,000 | 1,414 |
| Total noninterest income | $1,299,000 | 2,465 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,299,000 | 1,470 |
| Total noninterest expense | $7,268,000 | 1,785 |
| Salaries and employee benefits | $4,641,000 | 1,408 |
| Premises and equipment expense | $1,435,000 | 1,368 |
| Additional noninterest expense | $1,192,000 | 3,376 |
| Pre-tax net operating income | $5,434,000 | 1,432 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,933,000 | 1,371 |
| Income before extraordinary items | $3,501,000 | 1,536 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,501,000 | 1,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $1,808,000 | 1,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,501,000 | 1,497 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $24,077,000 | 1,419 |
| Total interest expense | $13,735,000 | 1,193 |
| Net interest income | $10,342,000 | 1,711 |
| Provision for loan and lease losses | $107,000 | 4,936 |
| Total noninterest income | $921,000 | 3,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $921,000 | 1,918 |
| Total noninterest expense | $8,100,000 | 1,751 |
| Salaries and employee benefits | $3,713,000 | 1,781 |
| Premises and equipment expense | $1,260,000 | 1,618 |
| Additional noninterest expense | $3,127,000 | 1,662 |
| Pre-tax net operating income | $3,056,000 | 2,335 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,248,000 | 1,929 |
| Income before extraordinary items | $1,808,000 | 2,691 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,808,000 | 2,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,733 |
| Cash dividends | $2,654,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,808,000 | 2,647 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $22,353,000 | 1,519 |
| Total interest expense | $13,057,000 | 1,275 |
| Net interest income | $9,296,000 | 1,929 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $824,000 | 3,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $824,000 | 2,059 |
| Total noninterest expense | $5,675,000 | 2,396 |
| Salaries and employee benefits | $3,360,000 | 1,974 |
| Premises and equipment expense | $961,000 | 2,092 |
| Additional noninterest expense | $1,354,000 | 3,365 |
| Pre-tax net operating income | $4,320,000 | 1,702 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,666,000 | 1,495 |
| Income before extraordinary items | $2,654,000 | 1,891 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,654,000 | 1,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $3,266,000 | 871 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,654,000 | 1,873 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $19,360,000 | 1,598 |
| Total interest expense | $9,882,000 | 1,328 |
| Net interest income | $9,478,000 | 1,906 |
| Provision for loan and lease losses | $138,000 | 3,794 |
| Total noninterest income | $710,000 | 4,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $710,000 | 2,309 |
| Total noninterest expense | $5,047,000 | 2,762 |
| Salaries and employee benefits | $2,948,000 | 2,267 |
| Premises and equipment expense | $876,000 | 2,303 |
| Additional noninterest expense | $1,223,000 | 3,990 |
| Pre-tax net operating income | $5,003,000 | 1,473 |
| Securities gains (losses) | $27,000 | 1,545 |
| Applicable income taxes | $1,764,000 | 1,338 |
| Income before extraordinary items | $3,266,000 | 1,507 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,266,000 | 1,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $10,826,000 | 94 |
| Net operating income | $3,248,450 | 1,527 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $18,348,000 | 1,703 |
| Total interest expense | $9,269,000 | 1,442 |
| Net interest income | $9,079,000 | 1,988 |
| Provision for loan and lease losses | $251,000 | 3,367 |
| Total noninterest income | $691,000 | 4,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $691,000 | 2,627 |
| Total noninterest expense | $3,901,000 | 3,565 |
| Salaries and employee benefits | $1,918,000 | 3,401 |
| Premises and equipment expense | $848,000 | 2,408 |
| Additional noninterest expense | $1,135,000 | 4,415 |
| Pre-tax net operating income | $5,618,000 | 1,236 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,114,000 | 1,147 |
| Income before extraordinary items | $3,504,000 | 1,448 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,504,000 | 1,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 6,716 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,504,000 | 1,361 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,272,000 | 1,750 |
| Total interest expense | $11,653,000 | 1,516 |
| Net interest income | $8,619,000 | 2,115 |
| Provision for loan and lease losses | $226,000 | 4,897 |
| Total noninterest income | $646,000 | 4,694 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $646,000 | 2,695 |
| Total noninterest expense | $3,718,000 | 3,720 |
| Salaries and employee benefits | $1,831,000 | 3,493 |
| Premises and equipment expense | $797,000 | 2,609 |
| Additional noninterest expense | $1,090,000 | 4,724 |
| Pre-tax net operating income | $5,321,000 | 1,211 |
| Securities gains (losses) | $313,000 | 1,493 |
| Applicable income taxes | $2,120,000 | 1,064 |
| Income before extraordinary items | $3,514,000 | 1,328 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,514,000 | 1,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,313,680 | 1,292 |
* 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.