Home > First Liberty National Bank > Income and Expense
First Liberty National Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,308,000 | 5,751 |
| Total interest expense | $643,000 | 6,316 |
| Net interest income | $1,665,000 | 5,284 |
| Provision for loan and lease losses | $19,000 | 5,586 |
| Total noninterest income | $121,000 | 6,657 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 5,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $53,000 | 6,289 |
| Total noninterest expense | $1,841,000 | 4,230 |
| Salaries and employee benefits | $859,000 | 4,772 |
| Premises and equipment expense | $338,000 | 3,421 |
| Additional noninterest expense | $644,000 | 3,703 |
| Pre-tax net operating income | $-74,000 | 8,314 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-74,000 | 8,317 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-74,000 | 8,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-74,000 | 8,311 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,121,000 | 5,793 |
| Total interest expense | $310,000 | 6,316 |
| Net interest income | $811,000 | 5,359 |
| Provision for loan and lease losses | $17,000 | 4,701 |
| Total noninterest income | $60,000 | 6,628 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $36,000 | 5,597 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $954,000 | 4,143 |
| Salaries and employee benefits | $452,000 | 4,621 |
| Premises and equipment expense | $169,000 | 3,439 |
| Additional noninterest expense | $333,000 | 3,587 |
| Pre-tax net operating income | $-100,000 | 8,443 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $-100,000 | 8,458 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-100,000 | 8,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-100,000 | 8,443 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,112,000 | 5,741 |
| Total interest expense | $1,130,000 | 5,979 |
| Net interest income | $2,982,000 | 5,528 |
| Provision for loan and lease losses | $-270,000 | 8,718 |
| Total noninterest income | $486,000 | 5,309 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $151,000 | 5,610 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $335,000 | 4,108 |
| Total noninterest expense | $4,735,000 | 3,389 |
| Salaries and employee benefits | $1,773,000 | 4,525 |
| Premises and equipment expense | $601,000 | 3,648 |
| Additional noninterest expense | $2,361,000 | 2,122 |
| Pre-tax net operating income | $-997,000 | 8,636 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-997,000 | 8,662 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-997,000 | 8,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,408 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-997,000 | 8,646 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,010,000 | 5,786 |
| Total interest expense | $811,000 | 5,982 |
| Net interest income | $2,199,000 | 5,588 |
| Provision for loan and lease losses | $55,000 | 5,056 |
| Total noninterest income | $427,000 | 4,960 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $123,000 | 5,482 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $304,000 | 3,773 |
| Total noninterest expense | $2,770,000 | 4,078 |
| Salaries and employee benefits | $1,310,000 | 4,546 |
| Premises and equipment expense | $454,000 | 3,629 |
| Additional noninterest expense | $1,006,000 | 3,485 |
| Pre-tax net operating income | $-199,000 | 8,488 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-199,000 | 8,519 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-199,000 | 8,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,387 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-199,000 | 8,490 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,917,000 | 5,866 |
| Total interest expense | $502,000 | 6,036 |
| Net interest income | $1,415,000 | 5,683 |
| Provision for loan and lease losses | $55,000 | 4,424 |
| Total noninterest income | $303,000 | 4,763 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $86,000 | 5,345 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $217,000 | 3,630 |
| Total noninterest expense | $1,771,000 | 4,197 |
| Salaries and employee benefits | $861,000 | 4,564 |
| Premises and equipment expense | $299,000 | 3,637 |
| Additional noninterest expense | $611,000 | 3,739 |
| Pre-tax net operating income | $-108,000 | 8,496 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-108,000 | 8,522 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-108,000 | 8,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,472 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-108,000 | 8,497 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $899,000 | 6,053 |
| Total interest expense | $224,000 | 6,246 |
| Net interest income | $675,000 | 5,841 |
| Provision for loan and lease losses | $55,000 | 3,052 |
| Total noninterest income | $233,000 | 3,628 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $49,000 | 5,045 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $184,000 | 2,616 |
| Total noninterest expense | $884,000 | 4,226 |
| Salaries and employee benefits | $439,000 | 4,517 |
| Premises and equipment expense | $148,000 | 3,685 |
| Additional noninterest expense | $297,000 | 3,831 |
| Pre-tax net operating income | $-31,000 | 8,533 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-31,000 | 8,552 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-31,000 | 8,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,691 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-31,000 | 8,525 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,459,000 | 6,008 |
| Total interest expense | $935,000 | 5,853 |
| Net interest income | $2,524,000 | 5,977 |
| Provision for loan and lease losses | $-286,000 | 8,869 |
| Total noninterest income | $886,000 | 3,813 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $391,000 | 3,699 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $495,000 | 3,326 |
| Total noninterest expense | $4,000,000 | 3,745 |
| Salaries and employee benefits | $1,506,000 | 4,934 |
| Premises and equipment expense | $552,000 | 3,789 |
| Additional noninterest expense | $1,942,000 | 2,488 |
| Pre-tax net operating income | $-304,000 | 8,581 |
| Securities gains (losses) | $-23,000 | 8,413 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-327,000 | 8,640 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-327,000 | 8,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-172,000 | 8,863 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-304,000 | 8,603 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,557,000 | 6,058 |
| Total interest expense | $707,000 | 5,792 |
| Net interest income | $1,850,000 | 6,061 |
| Provision for loan and lease losses | $-286,000 | 8,946 |
| Total noninterest income | $765,000 | 3,515 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $334,000 | 3,429 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $431,000 | 3,065 |
| Total noninterest expense | $3,434,000 | 3,339 |
| Salaries and employee benefits | $1,064,000 | 5,089 |
| Premises and equipment expense | $414,000 | 3,778 |
| Additional noninterest expense | $1,956,000 | 1,833 |
| Pre-tax net operating income | $-533,000 | 8,785 |
| Securities gains (losses) | $-23,000 | 8,676 |
| Applicable income taxes | $-192,000 | 8,905 |
| Income before extraordinary items | $-364,000 | 8,759 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-364,000 | 8,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-163,000 | 8,887 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-349,050 | 8,729 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,718,000 | 6,031 |
| Total interest expense | $466,000 | 5,859 |
| Net interest income | $1,252,000 | 6,023 |
| Provision for loan and lease losses | $-186,000 | 8,990 |
| Total noninterest income | $673,000 | 2,918 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $270,000 | 2,949 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $403,000 | 2,497 |
| Total noninterest expense | $2,339,000 | 3,303 |
| Salaries and employee benefits | $719,000 | 5,067 |
| Premises and equipment expense | $274,000 | 3,796 |
| Additional noninterest expense | $1,351,000 | 1,767 |
| Pre-tax net operating income | $-228,000 | 8,783 |
| Securities gains (losses) | $-23,000 | 8,817 |
| Applicable income taxes | $-88,000 | 8,930 |
| Income before extraordinary items | $-163,000 | 8,765 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-163,000 | 8,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,266 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-148,050 | 8,727 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $810,000 | 6,227 |
| Total interest expense | $230,000 | 5,935 |
| Net interest income | $580,000 | 6,253 |
| Provision for loan and lease losses | $-186,000 | 9,059 |
| Total noninterest income | $535,000 | 2,054 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $22,000 | 6,668 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $513,000 | 1,274 |
| Total noninterest expense | $1,066,000 | 3,579 |
| Salaries and employee benefits | $349,000 | 5,200 |
| Premises and equipment expense | $132,000 | 3,942 |
| Additional noninterest expense | $585,000 | 2,022 |
| Pre-tax net operating income | $235,000 | 5,429 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $91,000 | 3,946 |
| Income before extraordinary items | $144,000 | 6,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $144,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,966 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $144,000 | 5,993 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,483,000 | 5,253 |
| Total interest expense | $1,086,000 | 5,874 |
| Net interest income | $3,397,000 | 4,897 |
| Provision for loan and lease losses | $535,000 | 2,046 |
| Total noninterest income | $785,000 | 4,282 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $106,000 | 6,463 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $679,000 | 3,026 |
| Total noninterest expense | $4,188,000 | 3,571 |
| Salaries and employee benefits | $1,131,000 | 5,838 |
| Premises and equipment expense | $526,000 | 3,904 |
| Additional noninterest expense | $2,531,000 | 1,902 |
| Pre-tax net operating income | $-541,000 | 8,838 |
| Securities gains (losses) | $31,000 | 2,904 |
| Applicable income taxes | $-213,000 | 9,015 |
| Income before extraordinary items | $-297,000 | 8,819 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-297,000 | 8,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-148,000 | 9,081 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,501,000 | 308 |
| Net operating income | $-316,840 | 8,766 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,415,000 | 5,259 |
| Total interest expense | $855,000 | 5,882 |
| Net interest income | $2,560,000 | 4,890 |
| Provision for loan and lease losses | $517,000 | 1,615 |
| Total noninterest income | $518,000 | 4,650 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $103,000 | 6,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $415,000 | 3,460 |
| Total noninterest expense | $2,312,000 | 4,509 |
| Salaries and employee benefits | $827,000 | 5,905 |
| Premises and equipment expense | $387,000 | 3,954 |
| Additional noninterest expense | $1,098,000 | 3,135 |
| Pre-tax net operating income | $249,000 | 7,440 |
| Securities gains (losses) | $31,000 | 2,671 |
| Applicable income taxes | $108,000 | 5,485 |
| Income before extraordinary items | $172,000 | 7,773 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $172,000 | 7,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-135,000 | 9,129 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,501,000 | 214 |
| Net operating income | $152,160 | 7,743 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,325,000 | 5,238 |
| Total interest expense | $595,000 | 5,869 |
| Net interest income | $1,730,000 | 4,838 |
| Provision for loan and lease losses | $511,000 | 1,123 |
| Total noninterest income | $359,000 | 4,519 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $30,000 | 7,331 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $329,000 | 3,126 |
| Total noninterest expense | $1,449,000 | 4,693 |
| Salaries and employee benefits | $514,000 | 6,155 |
| Premises and equipment expense | $254,000 | 3,995 |
| Additional noninterest expense | $681,000 | 3,311 |
| Pre-tax net operating income | $129,000 | 7,777 |
| Securities gains (losses) | $31,000 | 2,340 |
| Applicable income taxes | $65,000 | 5,639 |
| Income before extraordinary items | $95,000 | 8,007 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $95,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 9,000 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,501,000 | 131 |
| Net operating income | $75,160 | 8,029 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $912,000 | 6,057 |
| Total interest expense | $272,000 | 6,237 |
| Net interest income | $640,000 | 5,849 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $89,000 | 6,188 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $12,000 | 7,514 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 4,426 |
| Total noninterest expense | $594,000 | 5,371 |
| Salaries and employee benefits | $210,000 | 6,833 |
| Premises and equipment expense | $112,000 | 4,395 |
| Additional noninterest expense | $272,000 | 3,952 |
| Pre-tax net operating income | $135,000 | 6,687 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $52,000 | 5,042 |
| Income before extraordinary items | $83,000 | 7,225 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $83,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-125,000 | 9,239 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $2,501,000 | 67 |
| Net operating income | $83,000 | 7,071 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,941,000 | 6,912 |
| Total interest expense | $942,000 | 7,078 |
| Net interest income | $1,999,000 | 6,636 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $274,000 | 6,666 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $23,000 | 7,944 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $251,000 | 4,605 |
| Total noninterest expense | $1,802,000 | 6,259 |
| Salaries and employee benefits | $756,000 | 7,050 |
| Premises and equipment expense | $331,000 | 5,261 |
| Additional noninterest expense | $715,000 | 5,341 |
| Pre-tax net operating income | $471,000 | 6,886 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $212,000 | 5,024 |
| Income before extraordinary items | $259,000 | 7,515 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $259,000 | 7,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 9,140 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $259,000 | 7,426 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,860,000 | 7,395 |
| Total interest expense | $1,101,000 | 7,810 |
| Net interest income | $1,759,000 | 6,870 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $269,000 | 6,683 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $25,000 | 8,061 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $244,000 | 4,534 |
| Total noninterest expense | $1,542,000 | 6,702 |
| Salaries and employee benefits | $775,000 | 6,889 |
| Premises and equipment expense | $277,000 | 5,776 |
| Additional noninterest expense | $490,000 | 6,503 |
| Pre-tax net operating income | $486,000 | 6,609 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $224,000 | 4,813 |
| Income before extraordinary items | $262,000 | 7,360 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $262,000 | 7,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 9,433 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $262,000 | 7,243 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,625,000 | 7,782 |
| Total interest expense | $986,000 | 8,252 |
| Net interest income | $1,639,000 | 7,233 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $232,000 | 6,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 7,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,078 |
| Total noninterest expense | $1,439,000 | 6,907 |
| Salaries and employee benefits | $713,000 | 7,138 |
| Premises and equipment expense | $287,000 | 5,563 |
| Additional noninterest expense | $439,000 | 6,857 |
| Pre-tax net operating income | $432,000 | 7,306 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $155,000 | 5,860 |
| Income before extraordinary items | $277,000 | 7,614 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $277,000 | 7,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 9,623 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 951 |
| Net operating income | $277,000 | 7,622 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,552,000 | 7,857 |
| Total interest expense | $958,000 | 8,285 |
| Net interest income | $1,594,000 | 7,402 |
| Provision for loan and lease losses | $-124,000 | 10,115 |
| Total noninterest income | $226,000 | 7,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 5,490 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 7,953 |
| Total noninterest expense | $1,399,000 | 7,037 |
| Salaries and employee benefits | $697,000 | 7,253 |
| Premises and equipment expense | $275,000 | 5,750 |
| Additional noninterest expense | $427,000 | 7,068 |
| Pre-tax net operating income | $545,000 | 6,938 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-555,000 | 10,141 |
| Income before extraordinary items | $1,100,000 | 4,150 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,100,000 | 4,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-109,000 | 10,051 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,100,000 | 4,105 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,427,000 | 8,177 |
| Total interest expense | $913,000 | 8,653 |
| Net interest income | $1,514,000 | 7,662 |
| Provision for loan and lease losses | $39,000 | 7,011 |
| Total noninterest income | $238,000 | 7,136 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $181,000 | 5,420 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,910 |
| Total noninterest expense | $1,238,000 | 7,436 |
| Salaries and employee benefits | $646,000 | 7,488 |
| Premises and equipment expense | $246,000 | 6,015 |
| Additional noninterest expense | $346,000 | 7,705 |
| Pre-tax net operating income | $475,000 | 7,504 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-570,000 | 10,401 |
| Income before extraordinary items | $1,046,000 | 4,345 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,046,000 | 4,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,342 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,005 |
| Net operating income | $1,046,000 | 4,254 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,202,000 | 8,785 |
| Total interest expense | $915,000 | 8,915 |
| Net interest income | $1,287,000 | 8,496 |
| Provision for loan and lease losses | $32,000 | 7,323 |
| Total noninterest income | $138,000 | 8,765 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,587 |
| Total noninterest expense | $1,170,000 | 7,783 |
| Salaries and employee benefits | $616,000 | 7,812 |
| Premises and equipment expense | $218,000 | 6,526 |
| Additional noninterest expense | $336,000 | 7,946 |
| Pre-tax net operating income | $223,000 | 9,443 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-290,000 | 10,822 |
| Income before extraordinary items | $513,000 | 6,889 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $513,000 | 6,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 10,102 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 454 |
| Net operating income | $513,000 | 6,826 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,946,000 | 9,447 |
| Total interest expense | $809,000 | 9,614 |
| Net interest income | $1,137,000 | 9,185 |
| Provision for loan and lease losses | $-30,000 | 11,156 |
| Total noninterest income | $108,000 | 9,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 7,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,237 |
| Total noninterest expense | $1,088,000 | 8,367 |
| Salaries and employee benefits | $523,000 | 8,694 |
| Premises and equipment expense | $216,000 | 6,756 |
| Additional noninterest expense | $349,000 | 8,368 |
| Pre-tax net operating income | $187,000 | 9,865 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $9,000 | 10,382 |
| Income before extraordinary items | $178,000 | 9,501 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $178,000 | 9,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 11,109 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $178,000 | 9,445 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,985,000 | 9,739 |
| Total interest expense | $856,000 | 9,774 |
| Net interest income | $1,129,000 | 9,544 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $234,000 | 7,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,292 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,506 |
| Total noninterest expense | $1,147,000 | 8,404 |
| Salaries and employee benefits | $572,000 | 8,547 |
| Premises and equipment expense | $240,000 | 6,502 |
| Additional noninterest expense | $335,000 | 8,857 |
| Pre-tax net operating income | $216,000 | 10,359 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $41,000 | 10,357 |
| Income before extraordinary items | $175,000 | 10,213 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $175,000 | 10,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,420 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $175,000 | 10,184 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,487,000 | 10,755 |
| Total interest expense | $494,000 | 11,131 |
| Net interest income | $993,000 | 10,414 |
| Provision for loan and lease losses | $-99,000 | 12,139 |
| Total noninterest income | $194,000 | 8,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 6,254 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 11,845 |
| Total noninterest expense | $1,065,000 | 9,106 |
| Salaries and employee benefits | $504,000 | 9,357 |
| Premises and equipment expense | $239,000 | 6,704 |
| Additional noninterest expense | $322,000 | 9,691 |
| Pre-tax net operating income | $221,000 | 10,731 |
| Securities gains (losses) | $46,000 | 1,207 |
| Applicable income taxes | $-90,000 | 12,285 |
| Income before extraordinary items | $357,000 | 8,579 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $357,000 | 8,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-203,000 | 12,410 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $311,000 | 9,098 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,369,000 | 11,520 |
| Total interest expense | $541,000 | 11,470 |
| Net interest income | $828,000 | 11,415 |
| Provision for loan and lease losses | $411,000 | 2,416 |
| Total noninterest income | $141,000 | 10,393 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $1,197,000 | 8,905 |
| Salaries and employee benefits | $455,000 | 10,093 |
| Premises and equipment expense | $248,000 | 6,711 |
| Additional noninterest expense | $494,000 | 8,274 |
| Pre-tax net operating income | $-639,000 | 12,895 |
| Securities gains (losses) | $96,000 | 2,561 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-543,000 | 12,905 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-543,000 | 12,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $458,000 | 1,872 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-639,000 | 12,881 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,742,000 | 11,437 |
| Total interest expense | $731,000 | 11,669 |
| Net interest income | $1,011,000 | 11,061 |
| Provision for loan and lease losses | $610,000 | 2,594 |
| Total noninterest income | $303,000 | 7,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,527 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,942 |
| Total noninterest expense | $1,521,000 | 7,837 |
| Salaries and employee benefits | $437,000 | 10,435 |
| Premises and equipment expense | $419,000 | 4,626 |
| Additional noninterest expense | $665,000 | 6,991 |
| Pre-tax net operating income | $-817,000 | 13,434 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-809,000 | 13,503 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-809,000 | 13,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $719,000 | 1,945 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 482 |
| Net operating income | $-817,000 | 13,419 |
* 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.