Home > First Main Street Bank > Income and Expense
First Main Street Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,578,000 | 1,580 |
| Total interest expense | $3,578,000 | 2,177 |
| Net interest income | $12,000,000 | 1,358 |
| Provision for loan and lease losses | $1,600,000 | 475 |
| Total noninterest income | $2,595,000 | 1,451 |
| Gross Fiduciary activities income | $676,000 | 409 |
| Service charges on deposit accounts | $780,000 | 1,653 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,139,000 | 1,653 |
| Total noninterest expense | $9,549,000 | 1,348 |
| Salaries and employee benefits | $6,023,000 | 1,139 |
| Premises and equipment expense | $1,663,000 | 1,082 |
| Additional noninterest expense | $1,863,000 | 1,993 |
| Pre-tax net operating income | $3,446,000 | 2,005 |
| Securities gains (losses) | $16,000 | 1,308 |
| Applicable income taxes | $902,000 | 2,033 |
| Income before extraordinary items | $2,560,000 | 2,018 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,560,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,486 |
| Cash dividends | $1,050,000 | 1,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,548,160 | 1,988 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,107,000 | 1,581 |
| Total interest expense | $2,093,000 | 2,342 |
| Net interest income | $8,014,000 | 1,341 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,767,000 | 1,402 |
| Gross Fiduciary activities income | $471,000 | 399 |
| Service charges on deposit accounts | $509,000 | 1,654 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $787,000 | 1,597 |
| Total noninterest expense | $6,701,000 | 1,266 |
| Salaries and employee benefits | $4,307,000 | 1,058 |
| Premises and equipment expense | $1,141,000 | 1,034 |
| Additional noninterest expense | $1,253,000 | 1,953 |
| Pre-tax net operating income | $3,080,000 | 1,513 |
| Securities gains (losses) | $16,000 | 1,180 |
| Applicable income taxes | $879,000 | 1,506 |
| Income before extraordinary items | $2,217,000 | 1,552 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,217,000 | 1,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,494 |
| Cash dividends | $593,000 | 1,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,205,480 | 1,538 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,970,000 | 1,580 |
| Total interest expense | $994,000 | 2,345 |
| Net interest income | $3,976,000 | 1,346 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $827,000 | 1,455 |
| Gross Fiduciary activities income | $209,000 | 439 |
| Service charges on deposit accounts | $232,000 | 1,753 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $386,000 | 1,592 |
| Total noninterest expense | $3,348,000 | 1,270 |
| Salaries and employee benefits | $2,160,000 | 1,045 |
| Premises and equipment expense | $576,000 | 1,033 |
| Additional noninterest expense | $612,000 | 2,000 |
| Pre-tax net operating income | $1,455,000 | 1,560 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $416,000 | 1,568 |
| Income before extraordinary items | $1,039,000 | 1,608 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,039,000 | 1,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 783 |
| Cash dividends | $346,000 | 1,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,039,000 | 1,590 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,621,000 | 1,467 |
| Total interest expense | $4,087,000 | 1,995 |
| Net interest income | $15,534,000 | 1,302 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $4,032,000 | 1,268 |
| Gross Fiduciary activities income | $1,047,000 | 366 |
| Service charges on deposit accounts | $1,157,000 | 1,517 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,828,000 | 1,412 |
| Total noninterest expense | $13,323,000 | 1,232 |
| Salaries and employee benefits | $8,179,000 | 1,054 |
| Premises and equipment expense | $2,199,000 | 1,050 |
| Additional noninterest expense | $2,945,000 | 1,652 |
| Pre-tax net operating income | $6,243,000 | 1,386 |
| Securities gains (losses) | $74,000 | 1,456 |
| Applicable income taxes | $1,776,000 | 1,410 |
| Income before extraordinary items | $4,541,000 | 1,419 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,541,000 | 1,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,051 |
| Cash dividends | $2,076,000 | 1,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,487,720 | 1,395 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,662,000 | 1,460 |
| Total interest expense | $3,145,000 | 1,904 |
| Net interest income | $11,517,000 | 1,302 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,987,000 | 1,311 |
| Gross Fiduciary activities income | $640,000 | 415 |
| Service charges on deposit accounts | $896,000 | 1,485 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,451,000 | 1,364 |
| Total noninterest expense | $10,312,000 | 1,184 |
| Salaries and employee benefits | $6,371,000 | 1,007 |
| Premises and equipment expense | $1,695,000 | 1,017 |
| Additional noninterest expense | $2,246,000 | 1,604 |
| Pre-tax net operating income | $4,192,000 | 1,534 |
| Securities gains (losses) | $74,000 | 1,385 |
| Applicable income taxes | $1,154,000 | 1,589 |
| Income before extraordinary items | $3,112,000 | 1,559 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,112,000 | 1,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 2,234 |
| Cash dividends | $1,656,000 | 1,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,057,980 | 1,538 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,751,000 | 1,450 |
| Total interest expense | $2,208,000 | 1,798 |
| Net interest income | $7,543,000 | 1,314 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,004,000 | 1,284 |
| Gross Fiduciary activities income | $441,000 | 409 |
| Service charges on deposit accounts | $598,000 | 1,470 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $965,000 | 1,361 |
| Total noninterest expense | $6,948,000 | 1,163 |
| Salaries and employee benefits | $4,304,000 | 996 |
| Premises and equipment expense | $1,092,000 | 1,062 |
| Additional noninterest expense | $1,552,000 | 1,560 |
| Pre-tax net operating income | $2,599,000 | 1,625 |
| Securities gains (losses) | $74,000 | 1,213 |
| Applicable income taxes | $711,000 | 1,687 |
| Income before extraordinary items | $1,962,000 | 1,640 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,962,000 | 1,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,165 |
| Cash dividends | $1,062,000 | 1,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,907,980 | 1,620 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,998,000 | 1,390 |
| Total interest expense | $1,252,000 | 1,609 |
| Net interest income | $3,746,000 | 1,326 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $996,000 | 1,257 |
| Gross Fiduciary activities income | $223,000 | 406 |
| Service charges on deposit accounts | $292,000 | 1,472 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $481,000 | 1,330 |
| Total noninterest expense | $3,521,000 | 1,157 |
| Salaries and employee benefits | $2,175,000 | 991 |
| Premises and equipment expense | $557,000 | 1,060 |
| Additional noninterest expense | $789,000 | 1,524 |
| Pre-tax net operating income | $1,221,000 | 1,687 |
| Securities gains (losses) | $74,000 | 965 |
| Applicable income taxes | $341,000 | 1,762 |
| Income before extraordinary items | $954,000 | 1,658 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $954,000 | 1,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $780,000 | 825 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $899,240 | 1,660 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $20,688,000 | 1,380 |
| Total interest expense | $6,159,000 | 1,445 |
| Net interest income | $14,529,000 | 1,348 |
| Provision for loan and lease losses | $132,000 | 4,791 |
| Total noninterest income | $4,636,000 | 1,196 |
| Gross Fiduciary activities income | $1,020,000 | 379 |
| Service charges on deposit accounts | $1,303,000 | 1,330 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,313,000 | 1,315 |
| Total noninterest expense | $13,351,000 | 1,212 |
| Salaries and employee benefits | $7,879,000 | 1,072 |
| Premises and equipment expense | $2,136,000 | 1,069 |
| Additional noninterest expense | $3,336,000 | 1,483 |
| Pre-tax net operating income | $5,682,000 | 1,451 |
| Securities gains (losses) | $495,000 | 753 |
| Applicable income taxes | $1,585,000 | 1,549 |
| Income before extraordinary items | $4,592,000 | 1,380 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,592,000 | 1,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $533,000 | 1,532 |
| Cash dividends | $1,788,000 | 1,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,225,700 | 1,418 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $15,531,000 | 1,404 |
| Total interest expense | $4,685,000 | 1,487 |
| Net interest income | $10,846,000 | 1,364 |
| Provision for loan and lease losses | $132,000 | 4,199 |
| Total noninterest income | $3,447,000 | 1,233 |
| Gross Fiduciary activities income | $673,000 | 409 |
| Service charges on deposit accounts | $983,000 | 1,326 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,791,000 | 1,338 |
| Total noninterest expense | $10,045,000 | 1,209 |
| Salaries and employee benefits | $6,046,000 | 1,055 |
| Premises and equipment expense | $1,543,000 | 1,117 |
| Additional noninterest expense | $2,456,000 | 1,494 |
| Pre-tax net operating income | $4,116,000 | 1,541 |
| Securities gains (losses) | $495,000 | 690 |
| Applicable income taxes | $1,176,000 | 1,641 |
| Income before extraordinary items | $3,435,000 | 1,434 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,435,000 | 1,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 1,852 |
| Cash dividends | $1,445,000 | 1,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,068,700 | 1,511 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,381,000 | 1,413 |
| Total interest expense | $3,157,000 | 1,521 |
| Net interest income | $7,224,000 | 1,362 |
| Provision for loan and lease losses | $132,000 | 3,313 |
| Total noninterest income | $2,363,000 | 1,203 |
| Gross Fiduciary activities income | $441,000 | 420 |
| Service charges on deposit accounts | $656,000 | 1,306 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,266,000 | 1,280 |
| Total noninterest expense | $6,559,000 | 1,239 |
| Salaries and employee benefits | $4,016,000 | 1,058 |
| Premises and equipment expense | $1,061,000 | 1,085 |
| Additional noninterest expense | $1,482,000 | 1,635 |
| Pre-tax net operating income | $2,896,000 | 1,463 |
| Securities gains (losses) | $-17,000 | 9,095 |
| Applicable income taxes | $718,000 | 1,779 |
| Income before extraordinary items | $2,161,000 | 1,512 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,161,000 | 1,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,876 |
| Cash dividends | $1,167,000 | 1,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,173,750 | 1,403 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,152,000 | 1,433 |
| Total interest expense | $1,596,000 | 1,548 |
| Net interest income | $3,556,000 | 1,379 |
| Provision for loan and lease losses | $99,000 | 2,416 |
| Total noninterest income | $1,182,000 | 1,178 |
| Gross Fiduciary activities income | $207,000 | 441 |
| Service charges on deposit accounts | $327,000 | 1,288 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $648,000 | 1,222 |
| Total noninterest expense | $3,248,000 | 1,240 |
| Salaries and employee benefits | $2,056,000 | 1,035 |
| Premises and equipment expense | $530,000 | 1,093 |
| Additional noninterest expense | $662,000 | 1,774 |
| Pre-tax net operating income | $1,391,000 | 1,515 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $357,000 | 1,786 |
| Income before extraordinary items | $1,034,000 | 1,556 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,034,000 | 1,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,694 |
| Cash dividends | $795,000 | 839 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,034,000 | 1,458 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,476,000 | 1,304 |
| Total interest expense | $6,271,000 | 1,820 |
| Net interest income | $17,205,000 | 1,120 |
| Provision for loan and lease losses | $792,000 | 1,646 |
| Total noninterest income | $5,215,000 | 1,016 |
| Gross Fiduciary activities income | $1,144,000 | 381 |
| Service charges on deposit accounts | $1,337,000 | 1,213 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,734,000 | 1,065 |
| Total noninterest expense | $14,902,000 | 1,041 |
| Salaries and employee benefits | $8,782,000 | 913 |
| Premises and equipment expense | $2,402,000 | 906 |
| Additional noninterest expense | $3,718,000 | 1,296 |
| Pre-tax net operating income | $6,726,000 | 1,248 |
| Securities gains (losses) | $85,000 | 1,891 |
| Applicable income taxes | $2,172,000 | 1,204 |
| Income before extraordinary items | $4,639,000 | 1,344 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,639,000 | 1,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 3,119 |
| Cash dividends | $5,184,000 | 601 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,581,200 | 1,311 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,053,000 | 1,615 |
| Total interest expense | $7,612,000 | 2,111 |
| Net interest income | $13,441,000 | 1,315 |
| Provision for loan and lease losses | $2,000,000 | 699 |
| Total noninterest income | $4,452,000 | 1,093 |
| Gross Fiduciary activities income | $1,086,000 | 404 |
| Service charges on deposit accounts | $883,000 | 1,716 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,483,000 | 1,074 |
| Total noninterest expense | $11,138,000 | 1,309 |
| Salaries and employee benefits | $7,170,000 | 1,035 |
| Premises and equipment expense | $1,781,000 | 1,191 |
| Additional noninterest expense | $2,187,000 | 2,059 |
| Pre-tax net operating income | $4,755,000 | 1,510 |
| Securities gains (losses) | $312,000 | 880 |
| Applicable income taxes | $1,711,000 | 1,341 |
| Income before extraordinary items | $3,356,000 | 1,581 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,356,000 | 1,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $714,000 | 1,198 |
| Cash dividends | $919,000 | 2,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,150,080 | 1,599 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,423,000 | 1,538 |
| Total interest expense | $9,064,000 | 1,902 |
| Net interest income | $13,359,000 | 1,314 |
| Provision for loan and lease losses | $214,000 | 3,600 |
| Total noninterest income | $3,238,000 | 1,261 |
| Gross Fiduciary activities income | $1,067,000 | 410 |
| Service charges on deposit accounts | $930,000 | 1,471 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,241,000 | 1,617 |
| Total noninterest expense | $9,690,000 | 1,438 |
| Salaries and employee benefits | $6,198,000 | 1,142 |
| Premises and equipment expense | $1,082,000 | 1,920 |
| Additional noninterest expense | $2,410,000 | 1,832 |
| Pre-tax net operating income | $6,693,000 | 1,121 |
| Securities gains (losses) | $-228,000 | 9,593 |
| Applicable income taxes | $2,144,000 | 1,084 |
| Income before extraordinary items | $4,321,000 | 1,222 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,321,000 | 1,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,816 |
| Cash dividends | $3,550,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,473,760 | 1,189 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,707,000 | 1,647 |
| Total interest expense | $7,480,000 | 1,994 |
| Net interest income | $12,227,000 | 1,429 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $2,781,000 | 1,440 |
| Gross Fiduciary activities income | $868,000 | 493 |
| Service charges on deposit accounts | $879,000 | 1,493 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,034,000 | 1,818 |
| Total noninterest expense | $8,840,000 | 1,564 |
| Salaries and employee benefits | $5,396,000 | 1,291 |
| Premises and equipment expense | $1,086,000 | 1,886 |
| Additional noninterest expense | $2,358,000 | 1,853 |
| Pre-tax net operating income | $6,018,000 | 1,272 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,875,000 | 1,299 |
| Income before extraordinary items | $4,143,000 | 1,311 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,143,000 | 1,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,834 |
| Cash dividends | $1,758,000 | 1,505 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,143,000 | 1,292 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,732,000 | 1,729 |
| Total interest expense | $7,348,000 | 2,069 |
| Net interest income | $11,384,000 | 1,480 |
| Provision for loan and lease losses | $133,000 | 4,421 |
| Total noninterest income | $2,554,000 | 1,519 |
| Gross Fiduciary activities income | $740,000 | 528 |
| Service charges on deposit accounts | $666,000 | 1,912 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,148,000 | 1,684 |
| Total noninterest expense | $7,992,000 | 1,652 |
| Salaries and employee benefits | $4,838,000 | 1,359 |
| Premises and equipment expense | $1,025,000 | 1,928 |
| Additional noninterest expense | $2,129,000 | 1,999 |
| Pre-tax net operating income | $5,813,000 | 1,291 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,841,000 | 1,366 |
| Income before extraordinary items | $3,972,000 | 1,334 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,972,000 | 1,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,135 |
| Cash dividends | $1,117,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,972,000 | 1,280 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,001,000 | 1,942 |
| Total interest expense | $6,371,000 | 2,358 |
| Net interest income | $10,630,000 | 1,633 |
| Provision for loan and lease losses | $28,000 | 7,514 |
| Total noninterest income | $1,480,000 | 2,219 |
| Gross Fiduciary activities income | $591,000 | 600 |
| Service charges on deposit accounts | $604,000 | 2,172 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $285,000 | 4,051 |
| Total noninterest expense | $7,109,000 | 1,824 |
| Salaries and employee benefits | $4,058,000 | 1,617 |
| Premises and equipment expense | $1,045,000 | 1,903 |
| Additional noninterest expense | $2,006,000 | 2,087 |
| Pre-tax net operating income | $4,973,000 | 1,561 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,525,000 | 1,687 |
| Income before extraordinary items | $3,448,000 | 1,562 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,448,000 | 1,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,126 |
| Cash dividends | $955,000 | 2,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,448,000 | 1,527 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,966,000 | 2,109 |
| Total interest expense | $6,066,000 | 2,525 |
| Net interest income | $9,900,000 | 1,787 |
| Provision for loan and lease losses | $145,000 | 4,158 |
| Total noninterest income | $1,347,000 | 2,479 |
| Gross Fiduciary activities income | $483,000 | 719 |
| Service charges on deposit accounts | $580,000 | 2,340 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $284,000 | 4,213 |
| Total noninterest expense | $6,607,000 | 2,095 |
| Salaries and employee benefits | $3,588,000 | 1,842 |
| Premises and equipment expense | $1,025,000 | 1,957 |
| Additional noninterest expense | $1,994,000 | 2,464 |
| Pre-tax net operating income | $4,495,000 | 1,611 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,421,000 | 1,689 |
| Income before extraordinary items | $3,074,000 | 1,623 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,074,000 | 1,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,999 |
| Cash dividends | $932,000 | 2,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,074,000 | 1,586 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,919,000 | 2,264 |
| Total interest expense | $5,911,000 | 2,597 |
| Net interest income | $9,008,000 | 1,996 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $1,199,000 | 2,728 |
| Gross Fiduciary activities income | $438,000 | 782 |
| Service charges on deposit accounts | $506,000 | 2,688 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $255,000 | 4,421 |
| Total noninterest expense | $5,765,000 | 2,362 |
| Salaries and employee benefits | $3,093,000 | 2,138 |
| Premises and equipment expense | $870,000 | 2,307 |
| Additional noninterest expense | $1,802,000 | 2,626 |
| Pre-tax net operating income | $4,202,000 | 1,757 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $1,351,000 | 1,809 |
| Income before extraordinary items | $2,852,000 | 1,774 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,852,000 | 1,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,764 |
| Cash dividends | $1,923,000 | 1,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,851,320 | 1,754 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,754,000 | 2,371 |
| Total interest expense | $4,343,000 | 2,824 |
| Net interest income | $8,411,000 | 2,149 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,812,000 | 1,963 |
| Gross Fiduciary activities income | $445,000 | 772 |
| Service charges on deposit accounts | $500,000 | 2,747 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $867,000 | 2,029 |
| Total noninterest expense | $5,602,000 | 2,496 |
| Salaries and employee benefits | $2,997,000 | 2,219 |
| Premises and equipment expense | $788,000 | 2,560 |
| Additional noninterest expense | $1,817,000 | 2,805 |
| Pre-tax net operating income | $4,621,000 | 1,560 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,528,000 | 1,537 |
| Income before extraordinary items | $3,093,000 | 1,578 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,093,000 | 1,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $1,055,000 | 1,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,093,000 | 1,591 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,726,000 | 2,636 |
| Total interest expense | $4,597,000 | 2,806 |
| Net interest income | $7,129,000 | 2,517 |
| Provision for loan and lease losses | $-200,000 | 13,035 |
| Total noninterest income | $1,526,000 | 2,421 |
| Gross Fiduciary activities income | $457,000 | 798 |
| Service charges on deposit accounts | $534,000 | 2,601 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $535,000 | 3,118 |
| Total noninterest expense | $5,073,000 | 2,823 |
| Salaries and employee benefits | $2,718,000 | 2,451 |
| Premises and equipment expense | $767,000 | 2,660 |
| Additional noninterest expense | $1,588,000 | 3,337 |
| Pre-tax net operating income | $3,782,000 | 1,822 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,253,000 | 1,862 |
| Income before extraordinary items | $2,529,000 | 1,976 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,529,000 | 2,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 12,509 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,529,000 | 1,864 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,618,000 | 3,025 |
| Total interest expense | $5,530,000 | 3,007 |
| Net interest income | $6,088,000 | 3,005 |
| Provision for loan and lease losses | $-285,000 | 13,857 |
| Total noninterest income | $1,450,000 | 2,462 |
| Gross Fiduciary activities income | $328,000 | 912 |
| Service charges on deposit accounts | $608,000 | 2,251 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $514,000 | 3,129 |
| Total noninterest expense | $5,301,000 | 2,718 |
| Salaries and employee benefits | $2,628,000 | 2,456 |
| Premises and equipment expense | $673,000 | 3,022 |
| Additional noninterest expense | $2,000,000 | 2,806 |
| Pre-tax net operating income | $2,522,000 | 2,460 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $830,000 | 2,511 |
| Income before extraordinary items | $1,692,000 | 2,721 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,692,000 | 2,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-310,000 | 13,889 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,692,000 | 2,524 |
* 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.