Home > First National Bank in Viroqua > Income and Expense
First National Bank in Viroqua, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,166,000 | 5,270 |
| Total interest expense | $312,000 | 5,363 |
| Net interest income | $854,000 | 5,125 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $166,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $48,000 | 5,081 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $118,000 | 3,435 |
| Total noninterest expense | $688,000 | 5,051 |
| Salaries and employee benefits | $401,000 | 4,832 |
| Premises and equipment expense | $88,000 | 5,294 |
| Additional noninterest expense | $199,000 | 5,090 |
| Pre-tax net operating income | $302,000 | 4,974 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $6,000 | 6,318 |
| Income before extraordinary items | $296,000 | 4,414 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $296,000 | 4,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $175,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $296,000 | 4,372 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,832,000 | 4,961 |
| Total interest expense | $1,358,000 | 4,781 |
| Net interest income | $3,474,000 | 4,935 |
| Provision for loan and lease losses | $140,000 | 4,374 |
| Total noninterest income | $551,000 | 5,031 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $234,000 | 4,881 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $317,000 | 4,166 |
| Total noninterest expense | $2,763,000 | 4,949 |
| Salaries and employee benefits | $1,650,000 | 4,629 |
| Premises and equipment expense | $294,000 | 5,730 |
| Additional noninterest expense | $819,000 | 5,009 |
| Pre-tax net operating income | $1,122,000 | 4,948 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $22,000 | 6,508 |
| Income before extraordinary items | $1,100,000 | 4,446 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,100,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,407 |
| Cash dividends | $700,000 | 2,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,100,000 | 4,373 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,614,000 | 4,958 |
| Total interest expense | $1,033,000 | 4,700 |
| Net interest income | $2,581,000 | 4,950 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $433,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $179,000 | 4,869 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $254,000 | 4,035 |
| Total noninterest expense | $2,084,000 | 4,886 |
| Salaries and employee benefits | $1,258,000 | 4,527 |
| Premises and equipment expense | $219,000 | 5,719 |
| Additional noninterest expense | $607,000 | 5,010 |
| Pre-tax net operating income | $840,000 | 5,052 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $13,000 | 6,704 |
| Income before extraordinary items | $827,000 | 4,525 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $827,000 | 4,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,637 |
| Cash dividends | $525,000 | 2,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $827,000 | 4,449 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,423,000 | 4,949 |
| Total interest expense | $698,000 | 4,678 |
| Net interest income | $1,725,000 | 4,939 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $292,000 | 4,893 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $116,000 | 4,937 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $176,000 | 4,008 |
| Total noninterest expense | $1,353,000 | 5,004 |
| Salaries and employee benefits | $808,000 | 4,687 |
| Premises and equipment expense | $145,000 | 5,764 |
| Additional noninterest expense | $400,000 | 5,060 |
| Pre-tax net operating income | $604,000 | 4,814 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $5,000 | 6,869 |
| Income before extraordinary items | $599,000 | 4,256 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $599,000 | 4,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,817 |
| Cash dividends | $350,000 | 2,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $599,000 | 4,168 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,212,000 | 4,967 |
| Total interest expense | $355,000 | 4,666 |
| Net interest income | $857,000 | 4,968 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $141,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $56,000 | 4,941 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $85,000 | 4,044 |
| Total noninterest expense | $659,000 | 5,124 |
| Salaries and employee benefits | $402,000 | 4,720 |
| Premises and equipment expense | $70,000 | 5,876 |
| Additional noninterest expense | $187,000 | 5,308 |
| Pre-tax net operating income | $309,000 | 4,743 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-2,000 | 8,796 |
| Income before extraordinary items | $311,000 | 4,174 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $311,000 | 4,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,177 |
| Cash dividends | $175,000 | 2,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $311,000 | 4,050 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,289,000 | 4,707 |
| Total interest expense | $1,719,000 | 4,492 |
| Net interest income | $3,570,000 | 4,731 |
| Provision for loan and lease losses | $260,000 | 3,469 |
| Total noninterest income | $673,000 | 4,651 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $241,000 | 4,837 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $432,000 | 3,830 |
| Total noninterest expense | $2,729,000 | 4,913 |
| Salaries and employee benefits | $1,621,000 | 4,602 |
| Premises and equipment expense | $388,000 | 4,826 |
| Additional noninterest expense | $720,000 | 5,413 |
| Pre-tax net operating income | $1,254,000 | 4,570 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $35,000 | 6,511 |
| Income before extraordinary items | $1,219,000 | 4,103 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,219,000 | 4,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,900 |
| Cash dividends | $700,000 | 2,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,219,000 | 3,928 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,007,000 | 4,722 |
| Total interest expense | $1,322,000 | 4,529 |
| Net interest income | $2,685,000 | 4,737 |
| Provision for loan and lease losses | $210,000 | 3,249 |
| Total noninterest income | $526,000 | 4,605 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $180,000 | 4,876 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $346,000 | 3,795 |
| Total noninterest expense | $2,044,000 | 4,903 |
| Salaries and employee benefits | $1,227,000 | 4,548 |
| Premises and equipment expense | $298,000 | 4,734 |
| Additional noninterest expense | $519,000 | 5,520 |
| Pre-tax net operating income | $957,000 | 4,669 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $26,000 | 6,659 |
| Income before extraordinary items | $931,000 | 4,183 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $931,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,514 |
| Cash dividends | $525,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $931,000 | 4,008 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,739,000 | 4,681 |
| Total interest expense | $905,000 | 4,563 |
| Net interest income | $1,834,000 | 4,650 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $329,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $118,000 | 4,897 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $211,000 | 3,945 |
| Total noninterest expense | $1,324,000 | 4,990 |
| Salaries and employee benefits | $796,000 | 4,627 |
| Premises and equipment expense | $198,000 | 4,733 |
| Additional noninterest expense | $330,000 | 5,658 |
| Pre-tax net operating income | $689,000 | 4,468 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $18,000 | 6,667 |
| Income before extraordinary items | $671,000 | 3,979 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $671,000 | 3,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,597 |
| Cash dividends | $350,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $671,000 | 3,801 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,465,000 | 4,488 |
| Total interest expense | $465,000 | 4,574 |
| Net interest income | $1,000,000 | 4,404 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $80,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $54,000 | 5,010 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $637,000 | 5,141 |
| Salaries and employee benefits | $388,000 | 4,714 |
| Premises and equipment expense | $93,000 | 4,937 |
| Additional noninterest expense | $156,000 | 5,791 |
| Pre-tax net operating income | $383,000 | 4,142 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $9,000 | 6,623 |
| Income before extraordinary items | $374,000 | 3,642 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $374,000 | 3,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,512 |
| Cash dividends | $175,000 | 2,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $374,000 | 3,466 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,978,000 | 4,576 |
| Total interest expense | $2,201,000 | 4,511 |
| Net interest income | $3,777,000 | 4,524 |
| Provision for loan and lease losses | $193,000 | 4,450 |
| Total noninterest income | $342,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $235,000 | 4,843 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $107,000 | 6,305 |
| Total noninterest expense | $2,473,000 | 5,115 |
| Salaries and employee benefits | $1,545,000 | 4,586 |
| Premises and equipment expense | $330,000 | 5,272 |
| Additional noninterest expense | $598,000 | 5,945 |
| Pre-tax net operating income | $1,453,000 | 4,202 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $118,000 | 5,800 |
| Income before extraordinary items | $1,335,000 | 3,819 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,335,000 | 3,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,980 |
| Cash dividends | $650,000 | 3,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,335,000 | 3,710 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,021,000 | 4,940 |
| Total interest expense | $3,000,000 | 4,732 |
| Net interest income | $3,021,000 | 5,045 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $328,000 | 6,177 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $229,000 | 4,841 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $99,000 | 6,463 |
| Total noninterest expense | $2,300,000 | 5,245 |
| Salaries and employee benefits | $1,339,000 | 4,924 |
| Premises and equipment expense | $299,000 | 5,528 |
| Additional noninterest expense | $662,000 | 5,475 |
| Pre-tax net operating income | $899,000 | 5,200 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $252,000 | 4,594 |
| Income before extraordinary items | $647,000 | 5,427 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $647,000 | 5,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,148 |
| Cash dividends | $100,000 | 5,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $647,000 | 5,300 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,810,000 | 5,197 |
| Total interest expense | $2,978,000 | 4,954 |
| Net interest income | $2,832,000 | 5,366 |
| Provision for loan and lease losses | $57,000 | 6,367 |
| Total noninterest income | $266,000 | 6,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 5,355 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 6,759 |
| Total noninterest expense | $2,208,000 | 5,317 |
| Salaries and employee benefits | $1,259,000 | 5,015 |
| Premises and equipment expense | $300,000 | 5,422 |
| Additional noninterest expense | $649,000 | 5,476 |
| Pre-tax net operating income | $833,000 | 5,762 |
| Securities gains (losses) | $-7,000 | 8,117 |
| Applicable income taxes | $219,000 | 5,231 |
| Income before extraordinary items | $607,000 | 5,808 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $607,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $101,000 | 5,905 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $612,110 | 5,793 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,685,000 | 5,800 |
| Total interest expense | $2,222,000 | 5,611 |
| Net interest income | $2,463,000 | 5,854 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $222,000 | 7,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 5,763 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,520 |
| Total noninterest expense | $1,943,000 | 5,794 |
| Salaries and employee benefits | $1,072,000 | 5,619 |
| Premises and equipment expense | $323,000 | 5,245 |
| Additional noninterest expense | $548,000 | 6,166 |
| Pre-tax net operating income | $706,000 | 6,297 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $151,000 | 6,267 |
| Income before extraordinary items | $555,000 | 6,131 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $555,000 | 6,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 9,896 |
| Cash dividends | $100,000 | 6,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $555,000 | 6,106 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,890,000 | 6,570 |
| Total interest expense | $1,740,000 | 6,675 |
| Net interest income | $2,150,000 | 6,390 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $195,000 | 7,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 6,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $67,000 | 7,572 |
| Total noninterest expense | $1,529,000 | 6,603 |
| Salaries and employee benefits | $968,000 | 5,901 |
| Premises and equipment expense | $182,000 | 7,012 |
| Additional noninterest expense | $379,000 | 7,394 |
| Pre-tax net operating income | $780,000 | 6,163 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $188,000 | 6,318 |
| Income before extraordinary items | $592,000 | 6,096 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $592,000 | 6,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,466 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $592,000 | 5,987 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,669,000 | 6,987 |
| Total interest expense | $1,640,000 | 7,027 |
| Net interest income | $2,029,000 | 6,857 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $206,000 | 7,762 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 6,454 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 7,666 |
| Total noninterest expense | $1,422,000 | 6,982 |
| Salaries and employee benefits | $832,000 | 6,619 |
| Premises and equipment expense | $166,000 | 7,452 |
| Additional noninterest expense | $424,000 | 7,161 |
| Pre-tax net operating income | $789,000 | 6,588 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $221,000 | 6,611 |
| Income before extraordinary items | $566,000 | 6,558 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $566,000 | 6,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,428 |
| Cash dividends | $275,000 | 4,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $567,440 | 6,501 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,579,000 | 7,298 |
| Total interest expense | $1,673,000 | 7,153 |
| Net interest income | $1,906,000 | 7,341 |
| Provision for loan and lease losses | $16,000 | 8,168 |
| Total noninterest income | $190,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 6,794 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,577 |
| Total noninterest expense | $1,396,000 | 7,404 |
| Salaries and employee benefits | $777,000 | 7,104 |
| Premises and equipment expense | $213,000 | 6,804 |
| Additional noninterest expense | $406,000 | 7,831 |
| Pre-tax net operating income | $684,000 | 7,012 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $180,000 | 7,435 |
| Income before extraordinary items | $504,000 | 6,883 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $504,000 | 6,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $198,000 | 5,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $504,000 | 6,816 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,456,000 | 7,612 |
| Total interest expense | $1,576,000 | 7,491 |
| Net interest income | $1,880,000 | 7,577 |
| Provision for loan and lease losses | $12,000 | 8,132 |
| Total noninterest income | $192,000 | 8,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,003 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,849 |
| Total noninterest expense | $1,395,000 | 7,599 |
| Salaries and employee benefits | $786,000 | 7,184 |
| Premises and equipment expense | $164,000 | 7,947 |
| Additional noninterest expense | $445,000 | 7,748 |
| Pre-tax net operating income | $665,000 | 7,511 |
| Securities gains (losses) | $-24,000 | 10,683 |
| Applicable income taxes | $181,000 | 7,757 |
| Income before extraordinary items | $460,000 | 7,561 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $460,000 | 7,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,436 |
| Cash dividends | $198,000 | 5,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $477,280 | 7,388 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,021,000 | 7,996 |
| Total interest expense | $1,206,000 | 7,877 |
| Net interest income | $1,815,000 | 8,002 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $223,000 | 8,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,803 |
| Total noninterest expense | $1,458,000 | 7,738 |
| Salaries and employee benefits | $789,000 | 7,263 |
| Premises and equipment expense | $210,000 | 7,210 |
| Additional noninterest expense | $459,000 | 8,241 |
| Pre-tax net operating income | $555,000 | 8,280 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $143,000 | 8,451 |
| Income before extraordinary items | $413,000 | 8,082 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $413,000 | 8,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $198,000 | 5,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $412,260 | 8,122 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,264,000 | 7,900 |
| Total interest expense | $1,384,000 | 7,602 |
| Net interest income | $1,880,000 | 8,013 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $242,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 7,477 |
| Total noninterest expense | $1,461,000 | 7,959 |
| Salaries and employee benefits | $746,000 | 7,670 |
| Premises and equipment expense | $260,000 | 6,507 |
| Additional noninterest expense | $455,000 | 8,674 |
| Pre-tax net operating income | $601,000 | 7,937 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $151,000 | 8,625 |
| Income before extraordinary items | $448,000 | 7,990 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $448,000 | 8,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 8,470 |
| Cash dividends | $198,000 | 5,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $449,500 | 7,715 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,548,000 | 8,108 |
| Total interest expense | $1,654,000 | 8,036 |
| Net interest income | $1,894,000 | 8,061 |
| Provision for loan and lease losses | $110,000 | 7,010 |
| Total noninterest income | $187,000 | 9,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 7,857 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 9,641 |
| Total noninterest expense | $1,311,000 | 8,625 |
| Salaries and employee benefits | $686,000 | 8,102 |
| Premises and equipment expense | $191,000 | 8,052 |
| Additional noninterest expense | $434,000 | 9,156 |
| Pre-tax net operating income | $660,000 | 7,324 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $201,000 | 7,542 |
| Income before extraordinary items | $459,000 | 7,659 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $459,000 | 7,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 7,201 |
| Cash dividends | $198,000 | 5,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $459,000 | 7,309 |
* 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.