Home > First Financial Bank > Income and Expense
First Financial Bank, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $17,558,000 | 888 |
| Total interest expense | $5,952,000 | 840 |
| Net interest income | $11,606,000 | 904 |
| Provision for loan and lease losses | $255,000 | 1,746 |
| Total noninterest income | $2,041,000 | 1,244 |
| Gross Fiduciary activities income | $127,000 | 737 |
| Service charges on deposit accounts | $1,012,000 | 840 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $902,000 | 1,449 |
| Total noninterest expense | $11,897,000 | 696 |
| Salaries and employee benefits | $5,003,000 | 892 |
| Premises and equipment expense | $1,522,000 | 784 |
| Additional noninterest expense | $5,372,000 | 522 |
| Pre-tax net operating income | $1,495,000 | 2,763 |
| Securities gains (losses) | $97,000 | 572 |
| Applicable income taxes | $72,000 | 5,186 |
| Income before extraordinary items | $1,520,000 | 2,205 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,520,000 | 2,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,427,850 | 2,280 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,789,000 | 857 |
| Total interest expense | $2,918,000 | 822 |
| Net interest income | $5,871,000 | 887 |
| Provision for loan and lease losses | $112,000 | 1,880 |
| Total noninterest income | $1,029,000 | 1,223 |
| Gross Fiduciary activities income | $52,000 | 803 |
| Service charges on deposit accounts | $491,000 | 831 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $486,000 | 1,346 |
| Total noninterest expense | $6,728,000 | 630 |
| Salaries and employee benefits | $2,455,000 | 908 |
| Premises and equipment expense | $784,000 | 767 |
| Additional noninterest expense | $3,489,000 | 415 |
| Pre-tax net operating income | $60,000 | 7,770 |
| Securities gains (losses) | $31,000 | 666 |
| Applicable income taxes | $-213,000 | 8,884 |
| Income before extraordinary items | $304,000 | 4,341 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $304,000 | 4,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,412 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $273,000 | 4,588 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $31,053,000 | 900 |
| Total interest expense | $10,507,000 | 783 |
| Net interest income | $20,546,000 | 963 |
| Provision for loan and lease losses | $655,000 | 1,535 |
| Total noninterest income | $4,321,000 | 1,202 |
| Gross Fiduciary activities income | $377,000 | 639 |
| Service charges on deposit accounts | $2,164,000 | 808 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,780,000 | 1,439 |
| Total noninterest expense | $16,335,000 | 1,000 |
| Salaries and employee benefits | $8,981,000 | 953 |
| Premises and equipment expense | $2,603,000 | 860 |
| Additional noninterest expense | $4,751,000 | 1,053 |
| Pre-tax net operating income | $7,877,000 | 1,115 |
| Securities gains (losses) | $368,000 | 552 |
| Applicable income taxes | $1,952,000 | 1,300 |
| Income before extraordinary items | $6,293,000 | 1,045 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,293,000 | 1,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,420 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,013,320 | 1,054 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,949,000 | 907 |
| Total interest expense | $7,725,000 | 779 |
| Net interest income | $15,224,000 | 966 |
| Provision for loan and lease losses | $399,000 | 1,786 |
| Total noninterest income | $3,147,000 | 1,256 |
| Gross Fiduciary activities income | $242,000 | 666 |
| Service charges on deposit accounts | $1,610,000 | 815 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,295,000 | 1,485 |
| Total noninterest expense | $12,126,000 | 1,010 |
| Salaries and employee benefits | $6,696,000 | 950 |
| Premises and equipment expense | $1,946,000 | 861 |
| Additional noninterest expense | $3,484,000 | 1,058 |
| Pre-tax net operating income | $5,846,000 | 1,130 |
| Securities gains (losses) | $316,000 | 571 |
| Applicable income taxes | $1,415,000 | 1,349 |
| Income before extraordinary items | $4,747,000 | 1,047 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,747,000 | 1,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,669 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,503,680 | 1,059 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $15,060,000 | 908 |
| Total interest expense | $5,073,000 | 778 |
| Net interest income | $9,987,000 | 978 |
| Provision for loan and lease losses | $295,000 | 1,617 |
| Total noninterest income | $2,036,000 | 1,269 |
| Gross Fiduciary activities income | $154,000 | 690 |
| Service charges on deposit accounts | $1,051,000 | 828 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $831,000 | 1,512 |
| Total noninterest expense | $7,903,000 | 1,017 |
| Salaries and employee benefits | $4,391,000 | 968 |
| Premises and equipment expense | $1,295,000 | 862 |
| Additional noninterest expense | $2,217,000 | 1,108 |
| Pre-tax net operating income | $3,825,000 | 1,127 |
| Securities gains (losses) | $239,000 | 581 |
| Applicable income taxes | $942,000 | 1,345 |
| Income before extraordinary items | $3,122,000 | 1,057 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,122,000 | 1,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,778 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,937,970 | 1,075 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,407,000 | 930 |
| Total interest expense | $2,508,000 | 805 |
| Net interest income | $4,899,000 | 999 |
| Provision for loan and lease losses | $180,000 | 1,248 |
| Total noninterest income | $875,000 | 1,392 |
| Gross Fiduciary activities income | $64,000 | 751 |
| Service charges on deposit accounts | $495,000 | 857 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $316,000 | 1,821 |
| Total noninterest expense | $3,856,000 | 1,050 |
| Salaries and employee benefits | $2,139,000 | 1,009 |
| Premises and equipment expense | $664,000 | 855 |
| Additional noninterest expense | $1,053,000 | 1,141 |
| Pre-tax net operating income | $1,738,000 | 1,215 |
| Securities gains (losses) | $183,000 | 535 |
| Applicable income taxes | $461,000 | 1,386 |
| Income before extraordinary items | $1,460,000 | 1,122 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,460,000 | 1,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,952 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,320,920 | 1,164 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,087,000 | 937 |
| Total interest expense | $11,343,000 | 782 |
| Net interest income | $18,744,000 | 1,028 |
| Provision for loan and lease losses | $1,313,000 | 901 |
| Total noninterest income | $3,845,000 | 1,389 |
| Gross Fiduciary activities income | $359,000 | 658 |
| Service charges on deposit accounts | $1,995,000 | 859 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,491,000 | 1,826 |
| Total noninterest expense | $14,904,000 | 1,092 |
| Salaries and employee benefits | $7,662,000 | 1,103 |
| Premises and equipment expense | $2,585,000 | 864 |
| Additional noninterest expense | $4,657,000 | 1,091 |
| Pre-tax net operating income | $6,372,000 | 1,294 |
| Securities gains (losses) | $493,000 | 754 |
| Applicable income taxes | $1,359,000 | 1,765 |
| Income before extraordinary items | $5,506,000 | 1,162 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,506,000 | 1,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,263 |
| Cash dividends | $650,000 | 3,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,111,600 | 1,185 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $22,655,000 | 949 |
| Total interest expense | $8,766,000 | 791 |
| Net interest income | $13,889,000 | 1,054 |
| Provision for loan and lease losses | $1,017,000 | 889 |
| Total noninterest income | $2,814,000 | 1,438 |
| Gross Fiduciary activities income | $193,000 | 742 |
| Service charges on deposit accounts | $1,472,000 | 874 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,149,000 | 1,863 |
| Total noninterest expense | $10,928,000 | 1,114 |
| Salaries and employee benefits | $5,609,000 | 1,139 |
| Premises and equipment expense | $1,947,000 | 882 |
| Additional noninterest expense | $3,372,000 | 1,127 |
| Pre-tax net operating income | $4,758,000 | 1,361 |
| Securities gains (losses) | $91,000 | 1,834 |
| Applicable income taxes | $925,000 | 1,976 |
| Income before extraordinary items | $3,924,000 | 1,250 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,924,000 | 1,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,724 |
| Cash dividends | $650,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,850,290 | 1,205 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,222,000 | 952 |
| Total interest expense | $6,164,000 | 776 |
| Net interest income | $9,058,000 | 1,074 |
| Provision for loan and lease losses | $637,000 | 940 |
| Total noninterest income | $1,792,000 | 1,493 |
| Gross Fiduciary activities income | $107,000 | 792 |
| Service charges on deposit accounts | $932,000 | 920 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $753,000 | 1,873 |
| Total noninterest expense | $7,312,000 | 1,115 |
| Salaries and employee benefits | $3,747,000 | 1,137 |
| Premises and equipment expense | $1,301,000 | 879 |
| Additional noninterest expense | $2,264,000 | 1,118 |
| Pre-tax net operating income | $2,901,000 | 1,460 |
| Securities gains (losses) | $16,000 | 2,719 |
| Applicable income taxes | $547,000 | 2,190 |
| Income before extraordinary items | $2,370,000 | 1,388 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,370,000 | 1,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,391 |
| Cash dividends | $650,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,357,040 | 1,308 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,662,000 | 958 |
| Total interest expense | $3,169,000 | 769 |
| Net interest income | $4,493,000 | 1,091 |
| Provision for loan and lease losses | $-68,000 | 9,242 |
| Total noninterest income | $903,000 | 1,438 |
| Gross Fiduciary activities income | $48,000 | 820 |
| Service charges on deposit accounts | $445,000 | 940 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $410,000 | 1,708 |
| Total noninterest expense | $3,630,000 | 1,106 |
| Salaries and employee benefits | $1,897,000 | 1,113 |
| Premises and equipment expense | $653,000 | 884 |
| Additional noninterest expense | $1,080,000 | 1,144 |
| Pre-tax net operating income | $1,834,000 | 1,179 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $374,000 | 1,725 |
| Income before extraordinary items | $1,462,000 | 1,141 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,462,000 | 1,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,119 |
| Cash dividends | $650,000 | 977 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,460,400 | 1,054 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,067,000 | 924 |
| Total interest expense | $14,382,000 | 778 |
| Net interest income | $18,685,000 | 1,039 |
| Provision for loan and lease losses | $511,000 | 2,344 |
| Total noninterest income | $3,073,000 | 1,532 |
| Gross Fiduciary activities income | $396,000 | 646 |
| Service charges on deposit accounts | $1,528,000 | 1,052 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,149,000 | 1,992 |
| Total noninterest expense | $13,865,000 | 1,113 |
| Salaries and employee benefits | $7,381,000 | 1,082 |
| Premises and equipment expense | $2,545,000 | 855 |
| Additional noninterest expense | $3,939,000 | 1,225 |
| Pre-tax net operating income | $7,382,000 | 1,138 |
| Securities gains (losses) | $-593,000 | 9,275 |
| Applicable income taxes | $1,116,000 | 2,038 |
| Income before extraordinary items | $5,673,000 | 1,105 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,673,000 | 1,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 3,098 |
| Cash dividends | $1,650,000 | 1,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,171,120 | 974 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $36,798,000 | 928 |
| Total interest expense | $19,996,000 | 817 |
| Net interest income | $16,802,000 | 1,062 |
| Provision for loan and lease losses | $513,000 | 2,155 |
| Total noninterest income | $2,173,000 | 1,892 |
| Gross Fiduciary activities income | $211,000 | 824 |
| Service charges on deposit accounts | $1,000,000 | 1,474 |
| Trading account gains and fees | $17,000 | 154 |
| Additional Noninterest Income | $945,000 | 2,129 |
| Total noninterest expense | $12,795,000 | 1,149 |
| Salaries and employee benefits | $6,827,000 | 1,088 |
| Premises and equipment expense | $2,088,000 | 1,005 |
| Additional noninterest expense | $3,880,000 | 1,221 |
| Pre-tax net operating income | $5,667,000 | 1,305 |
| Securities gains (losses) | $510,000 | 605 |
| Applicable income taxes | $1,258,000 | 1,746 |
| Income before extraordinary items | $4,919,000 | 1,110 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,919,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,263 |
| Cash dividends | $800,000 | 2,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,511,000 | 1,165 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $34,973,000 | 1,014 |
| Total interest expense | $21,236,000 | 847 |
| Net interest income | $13,737,000 | 1,274 |
| Provision for loan and lease losses | $420,000 | 2,181 |
| Total noninterest income | $2,703,000 | 1,482 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $251,000 | 103 |
| Additional Noninterest Income | $2,452,000 | 984 |
| Total noninterest expense | $12,372,000 | 1,128 |
| Salaries and employee benefits | $6,083,000 | 1,163 |
| Premises and equipment expense | $3,030,000 | 689 |
| Additional noninterest expense | $3,259,000 | 1,378 |
| Pre-tax net operating income | $3,648,000 | 2,001 |
| Securities gains (losses) | $-129,000 | 9,479 |
| Applicable income taxes | $353,000 | 4,251 |
| Income before extraordinary items | $3,166,000 | 1,658 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,166,000 | 1,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,760 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,282,100 | 1,600 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $31,416,000 | 1,048 |
| Total interest expense | $17,205,000 | 914 |
| Net interest income | $14,211,000 | 1,241 |
| Provision for loan and lease losses | $510,000 | 1,735 |
| Total noninterest income | $2,128,000 | 1,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-187,000 | 4,533 |
| Additional Noninterest Income | $2,315,000 | 1,038 |
| Total noninterest expense | $10,723,000 | 1,285 |
| Salaries and employee benefits | $5,381,000 | 1,295 |
| Premises and equipment expense | $2,758,000 | 747 |
| Additional noninterest expense | $2,584,000 | 1,722 |
| Pre-tax net operating income | $5,106,000 | 1,478 |
| Securities gains (losses) | $-134,000 | 9,993 |
| Applicable income taxes | $1,003,000 | 2,214 |
| Income before extraordinary items | $3,969,000 | 1,359 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,969,000 | 1,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,224 |
| Cash dividends | $750,000 | 2,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,076,200 | 1,308 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $26,954,000 | 1,203 |
| Total interest expense | $14,367,000 | 1,092 |
| Net interest income | $12,587,000 | 1,346 |
| Provision for loan and lease losses | $455,000 | 1,853 |
| Total noninterest income | $2,125,000 | 1,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $366,000 | 116 |
| Additional Noninterest Income | $1,759,000 | 1,263 |
| Total noninterest expense | $9,691,000 | 1,355 |
| Salaries and employee benefits | $4,642,000 | 1,410 |
| Premises and equipment expense | $2,589,000 | 773 |
| Additional noninterest expense | $2,460,000 | 1,734 |
| Pre-tax net operating income | $4,566,000 | 1,619 |
| Securities gains (losses) | $387,000 | 637 |
| Applicable income taxes | $1,255,000 | 1,910 |
| Income before extraordinary items | $3,698,000 | 1,429 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,698,000 | 1,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,605 |
| Cash dividends | $1,000,000 | 2,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,407,750 | 1,491 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,137,000 | 1,371 |
| Total interest expense | $12,547,000 | 1,271 |
| Net interest income | $11,590,000 | 1,488 |
| Provision for loan and lease losses | $503,000 | 1,757 |
| Total noninterest income | $1,343,000 | 2,409 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,343,000 | 1,432 |
| Total noninterest expense | $8,125,000 | 1,623 |
| Salaries and employee benefits | $4,023,000 | 1,630 |
| Premises and equipment expense | $2,249,000 | 893 |
| Additional noninterest expense | $1,853,000 | 2,251 |
| Pre-tax net operating income | $4,305,000 | 1,774 |
| Securities gains (losses) | $256,000 | 610 |
| Applicable income taxes | $1,407,000 | 1,793 |
| Income before extraordinary items | $3,154,000 | 1,697 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,154,000 | 1,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,422 |
| Cash dividends | $750,000 | 2,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,977,360 | 1,743 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,264,000 | 1,579 |
| Total interest expense | $11,060,000 | 1,456 |
| Net interest income | $10,204,000 | 1,733 |
| Provision for loan and lease losses | $415,000 | 2,030 |
| Total noninterest income | $1,211,000 | 2,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,211,000 | 1,587 |
| Total noninterest expense | $8,880,000 | 1,592 |
| Salaries and employee benefits | $3,479,000 | 1,895 |
| Premises and equipment expense | $1,991,000 | 1,058 |
| Additional noninterest expense | $3,410,000 | 1,554 |
| Pre-tax net operating income | $2,120,000 | 3,255 |
| Securities gains (losses) | $129,000 | 859 |
| Applicable income taxes | $551,000 | 3,837 |
| Income before extraordinary items | $1,698,000 | 2,859 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,698,000 | 2,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,891 |
| Cash dividends | $1,250,000 | 1,804 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,599,960 | 2,974 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $20,112,000 | 1,684 |
| Total interest expense | $10,675,000 | 1,510 |
| Net interest income | $9,437,000 | 1,898 |
| Provision for loan and lease losses | $460,000 | 1,682 |
| Total noninterest income | $1,100,000 | 2,892 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,100,000 | 1,692 |
| Total noninterest expense | $6,814,000 | 2,029 |
| Salaries and employee benefits | $3,238,000 | 2,045 |
| Premises and equipment expense | $1,785,000 | 1,174 |
| Additional noninterest expense | $1,791,000 | 2,635 |
| Pre-tax net operating income | $3,263,000 | 2,265 |
| Securities gains (losses) | $87,000 | 1,026 |
| Applicable income taxes | $977,000 | 2,434 |
| Income before extraordinary items | $2,373,000 | 2,135 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,373,000 | 2,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 1,751 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,311,230 | 2,159 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,012,000 | 1,813 |
| Total interest expense | $8,694,000 | 1,492 |
| Net interest income | $8,318,000 | 2,177 |
| Provision for loan and lease losses | $372,000 | 1,924 |
| Total noninterest income | $1,174,000 | 2,768 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,174,000 | 1,652 |
| Total noninterest expense | $6,395,000 | 2,200 |
| Salaries and employee benefits | $2,966,000 | 2,244 |
| Premises and equipment expense | $1,643,000 | 1,271 |
| Additional noninterest expense | $1,786,000 | 2,854 |
| Pre-tax net operating income | $2,725,000 | 2,603 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $822,000 | 2,711 |
| Income before extraordinary items | $1,904,000 | 2,549 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,904,000 | 2,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 11,913 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $149,000 | 742 |
| Net operating income | $1,903,300 | 2,566 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,389,000 | 1,912 |
| Total interest expense | $8,380,000 | 1,582 |
| Net interest income | $8,009,000 | 2,242 |
| Provision for loan and lease losses | $860,000 | 1,446 |
| Total noninterest income | $1,541,000 | 2,396 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,541,000 | 1,526 |
| Total noninterest expense | $5,755,000 | 2,488 |
| Salaries and employee benefits | $2,601,000 | 2,552 |
| Premises and equipment expense | $1,487,000 | 1,432 |
| Additional noninterest expense | $1,667,000 | 3,198 |
| Pre-tax net operating income | $2,935,000 | 2,338 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,105,000 | 2,060 |
| Income before extraordinary items | $1,830,000 | 2,729 |
| Extraordinary gains, net | $540,000 | 424 |
| Net income | $2,370,000 | 2,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 3,079 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 845 |
| Net operating income | $1,830,000 | 2,572 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,658,000 | 2,250 |
| Total interest expense | $8,658,000 | 1,965 |
| Net interest income | $7,000,000 | 2,591 |
| Provision for loan and lease losses | $628,000 | 2,555 |
| Total noninterest income | $1,275,000 | 2,719 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,275,000 | 1,689 |
| Total noninterest expense | $5,064,000 | 2,830 |
| Salaries and employee benefits | $2,262,000 | 2,868 |
| Premises and equipment expense | $1,339,000 | 1,590 |
| Additional noninterest expense | $1,463,000 | 3,677 |
| Pre-tax net operating income | $2,583,000 | 2,392 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $953,000 | 2,201 |
| Income before extraordinary items | $1,630,000 | 2,823 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,630,000 | 2,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 4,664 |
| Cash dividends | $350,000 | 3,631 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 850 |
| Net operating income | $1,630,000 | 2,611 |
* 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.