Home > First National Bank of Howard County > Income and Expense
First National Bank of Howard County, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 7,353 |
| Total interest expense | $505,000 | 7,286 |
| Net interest income | $1,524,000 | 7,280 |
| Provision for loan and lease losses | $162,000 | 4,106 |
| Total noninterest income | $128,000 | 7,815 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $83,000 | 6,726 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $45,000 | 7,534 |
| Total noninterest expense | $863,000 | 8,040 |
| Salaries and employee benefits | $382,000 | 8,363 |
| Premises and equipment expense | $61,000 | 8,469 |
| Additional noninterest expense | $420,000 | 7,019 |
| Pre-tax net operating income | $627,000 | 6,315 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $207,000 | 4,715 |
| Income before extraordinary items | $420,000 | 6,672 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $420,000 | 6,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,850 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $420,000 | 6,616 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,530,000 | 7,362 |
| Total interest expense | $377,000 | 7,322 |
| Net interest income | $1,153,000 | 7,292 |
| Provision for loan and lease losses | $129,000 | 3,875 |
| Total noninterest income | $97,000 | 7,846 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $62,000 | 6,768 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $35,000 | 7,515 |
| Total noninterest expense | $664,000 | 8,006 |
| Salaries and employee benefits | $285,000 | 8,356 |
| Premises and equipment expense | $46,000 | 8,464 |
| Additional noninterest expense | $333,000 | 6,847 |
| Pre-tax net operating income | $457,000 | 6,515 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $155,000 | 4,807 |
| Income before extraordinary items | $302,000 | 6,887 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $302,000 | 6,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,986 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $302,000 | 6,812 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,028,000 | 7,385 |
| Total interest expense | $255,000 | 7,352 |
| Net interest income | $773,000 | 7,305 |
| Provision for loan and lease losses | $72,000 | 4,068 |
| Total noninterest income | $68,000 | 7,813 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $43,000 | 6,739 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $25,000 | 7,479 |
| Total noninterest expense | $467,000 | 7,963 |
| Salaries and employee benefits | $192,000 | 8,397 |
| Premises and equipment expense | $30,000 | 8,532 |
| Additional noninterest expense | $245,000 | 6,600 |
| Pre-tax net operating income | $302,000 | 6,485 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $102,000 | 4,819 |
| Income before extraordinary items | $200,000 | 6,904 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $200,000 | 6,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,596 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $200,000 | 6,819 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $510,000 | 7,445 |
| Total interest expense | $130,000 | 7,363 |
| Net interest income | $380,000 | 7,383 |
| Provision for loan and lease losses | $22,000 | 4,718 |
| Total noninterest income | $36,000 | 7,745 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 6,805 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $16,000 | 7,156 |
| Total noninterest expense | $203,000 | 8,217 |
| Salaries and employee benefits | $101,000 | 8,369 |
| Premises and equipment expense | $15,000 | 8,548 |
| Additional noninterest expense | $87,000 | 7,462 |
| Pre-tax net operating income | $191,000 | 5,930 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $66,000 | 4,439 |
| Income before extraordinary items | $125,000 | 6,420 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $125,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $125,000 | 6,298 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,129,000 | 7,427 |
| Total interest expense | $621,000 | 7,337 |
| Net interest income | $1,508,000 | 7,357 |
| Provision for loan and lease losses | $15,000 | 7,196 |
| Total noninterest income | $142,000 | 7,893 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $92,000 | 6,676 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $50,000 | 7,561 |
| Total noninterest expense | $903,000 | 8,074 |
| Salaries and employee benefits | $386,000 | 8,463 |
| Premises and equipment expense | $64,000 | 8,564 |
| Additional noninterest expense | $453,000 | 6,830 |
| Pre-tax net operating income | $732,000 | 5,904 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $261,000 | 4,493 |
| Income before extraordinary items | $475,000 | 6,452 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $475,000 | 6,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,330 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $472,400 | 6,303 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,599,000 | 7,510 |
| Total interest expense | $482,000 | 7,405 |
| Net interest income | $1,117,000 | 7,433 |
| Provision for loan and lease losses | $15,000 | 6,935 |
| Total noninterest income | $111,000 | 7,889 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $69,000 | 6,736 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $42,000 | 7,445 |
| Total noninterest expense | $580,000 | 8,332 |
| Salaries and employee benefits | $284,000 | 8,489 |
| Premises and equipment expense | $43,000 | 8,690 |
| Additional noninterest expense | $253,000 | 7,533 |
| Pre-tax net operating income | $633,000 | 5,754 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $225,000 | 4,464 |
| Income before extraordinary items | $408,000 | 6,305 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $408,000 | 6,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 3,709 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $408,000 | 6,126 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,060,000 | 7,564 |
| Total interest expense | $336,000 | 7,419 |
| Net interest income | $724,000 | 7,512 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $74,000 | 7,888 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $47,000 | 6,687 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $27,000 | 7,458 |
| Total noninterest expense | $389,000 | 8,349 |
| Salaries and employee benefits | $192,000 | 8,507 |
| Premises and equipment expense | $26,000 | 8,793 |
| Additional noninterest expense | $171,000 | 7,501 |
| Pre-tax net operating income | $394,000 | 5,901 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $140,000 | 4,611 |
| Income before extraordinary items | $254,000 | 6,487 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $254,000 | 6,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,017 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $254,000 | 6,282 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $520,000 | 7,640 |
| Total interest expense | $176,000 | 7,410 |
| Net interest income | $344,000 | 7,645 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $42,000 | 7,669 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $25,000 | 6,543 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $202,000 | 8,322 |
| Salaries and employee benefits | $101,000 | 8,487 |
| Premises and equipment expense | $12,000 | 8,854 |
| Additional noninterest expense | $89,000 | 7,438 |
| Pre-tax net operating income | $184,000 | 6,037 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $66,000 | 4,673 |
| Income before extraordinary items | $118,000 | 6,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $118,000 | 6,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,890 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $118,000 | 6,419 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 7,490 |
| Total interest expense | $914,000 | 7,163 |
| Net interest income | $1,429,000 | 7,546 |
| Provision for loan and lease losses | $130,000 | 5,190 |
| Total noninterest income | $169,000 | 7,624 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $98,000 | 6,612 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 7,051 |
| Total noninterest expense | $753,000 | 8,436 |
| Salaries and employee benefits | $375,000 | 8,600 |
| Premises and equipment expense | $63,000 | 8,706 |
| Additional noninterest expense | $315,000 | 7,705 |
| Pre-tax net operating income | $715,000 | 6,026 |
| Securities gains (losses) | $28,000 | 2,890 |
| Applicable income taxes | $262,000 | 4,677 |
| Income before extraordinary items | $481,000 | 6,488 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $481,000 | 6,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,599 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $462,800 | 6,435 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,984,000 | 7,273 |
| Total interest expense | $1,409,000 | 7,175 |
| Net interest income | $1,575,000 | 7,200 |
| Provision for loan and lease losses | $29,000 | 7,298 |
| Total noninterest income | $103,000 | 8,463 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $58,000 | 7,433 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $45,000 | 7,826 |
| Total noninterest expense | $729,000 | 8,609 |
| Salaries and employee benefits | $350,000 | 8,842 |
| Premises and equipment expense | $78,000 | 8,660 |
| Additional noninterest expense | $301,000 | 7,850 |
| Pre-tax net operating income | $920,000 | 5,121 |
| Securities gains (losses) | $132,000 | 1,514 |
| Applicable income taxes | $372,000 | 3,869 |
| Income before extraordinary items | $680,000 | 5,299 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $680,000 | 5,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,671 |
| Cash dividends | $2,000,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $594,200 | 5,527 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,349,000 | 7,047 |
| Total interest expense | $1,510,000 | 7,141 |
| Net interest income | $1,839,000 | 6,844 |
| Provision for loan and lease losses | $14,000 | 7,804 |
| Total noninterest income | $113,000 | 8,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 7,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,200 |
| Total noninterest expense | $683,000 | 8,864 |
| Salaries and employee benefits | $324,000 | 9,142 |
| Premises and equipment expense | $73,000 | 8,931 |
| Additional noninterest expense | $286,000 | 8,058 |
| Pre-tax net operating income | $1,255,000 | 4,611 |
| Securities gains (losses) | $27,000 | 874 |
| Applicable income taxes | $456,000 | 3,698 |
| Income before extraordinary items | $826,000 | 4,958 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $826,000 | 4,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $808,720 | 5,016 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,101,000 | 7,259 |
| Total interest expense | $1,477,000 | 7,037 |
| Net interest income | $1,624,000 | 7,352 |
| Provision for loan and lease losses | $221,000 | 3,348 |
| Total noninterest income | $106,000 | 8,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 9,007 |
| Total noninterest expense | $661,000 | 9,143 |
| Salaries and employee benefits | $305,000 | 9,439 |
| Premises and equipment expense | $65,000 | 9,335 |
| Additional noninterest expense | $291,000 | 8,186 |
| Pre-tax net operating income | $848,000 | 5,761 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $314,000 | 4,713 |
| Income before extraordinary items | $544,000 | 6,187 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $544,000 | 6,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,567 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $537,600 | 6,205 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,189,000 | 7,300 |
| Total interest expense | $1,566,000 | 7,053 |
| Net interest income | $1,623,000 | 7,429 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $107,000 | 8,900 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,338 |
| Total noninterest expense | $651,000 | 9,260 |
| Salaries and employee benefits | $317,000 | 9,517 |
| Premises and equipment expense | $55,000 | 9,708 |
| Additional noninterest expense | $279,000 | 8,314 |
| Pre-tax net operating income | $1,079,000 | 5,193 |
| Securities gains (losses) | $33,000 | 2,048 |
| Applicable income taxes | $397,000 | 4,435 |
| Income before extraordinary items | $715,000 | 5,541 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $715,000 | 5,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $693,880 | 5,535 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,090,000 | 7,644 |
| Total interest expense | $1,475,000 | 7,406 |
| Net interest income | $1,615,000 | 7,736 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $102,000 | 9,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 7,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 9,236 |
| Total noninterest expense | $626,000 | 9,641 |
| Salaries and employee benefits | $300,000 | 9,951 |
| Premises and equipment expense | $51,000 | 10,179 |
| Additional noninterest expense | $275,000 | 8,590 |
| Pre-tax net operating income | $1,091,000 | 5,567 |
| Securities gains (losses) | $51,000 | 1,331 |
| Applicable income taxes | $430,000 | 4,663 |
| Income before extraordinary items | $712,000 | 5,844 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $712,000 | 5,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $679,360 | 5,942 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,895,000 | 8,138 |
| Total interest expense | $1,425,000 | 7,770 |
| Net interest income | $1,470,000 | 8,341 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $114,000 | 9,634 |
| 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 | $29,000 | 9,892 |
| Total noninterest expense | $615,000 | 10,120 |
| Salaries and employee benefits | $297,000 | 10,370 |
| Premises and equipment expense | $55,000 | 10,490 |
| Additional noninterest expense | $263,000 | 9,261 |
| Pre-tax net operating income | $949,000 | 5,921 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $312,000 | 5,714 |
| Income before extraordinary items | $642,000 | 6,027 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $642,000 | 6,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,424 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $638,650 | 5,986 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,705,000 | 8,628 |
| Total interest expense | $1,378,000 | 8,039 |
| Net interest income | $1,327,000 | 8,991 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $110,000 | 10,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,261 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 10,398 |
| Total noninterest expense | $660,000 | 10,329 |
| Salaries and employee benefits | $293,000 | 10,811 |
| Premises and equipment expense | $49,000 | 11,117 |
| Additional noninterest expense | $318,000 | 9,059 |
| Pre-tax net operating income | $727,000 | 7,186 |
| Securities gains (losses) | $62,000 | 1,174 |
| Applicable income taxes | $263,000 | 6,470 |
| Income before extraordinary items | $526,000 | 7,054 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $526,000 | 7,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,247 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $484,460 | 7,332 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,353,000 | 9,163 |
| Total interest expense | $911,000 | 9,078 |
| Net interest income | $1,442,000 | 9,037 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $121,000 | 10,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,410 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,653 |
| Total noninterest expense | $690,000 | 10,739 |
| Salaries and employee benefits | $297,000 | 11,236 |
| Premises and equipment expense | $51,000 | 11,600 |
| Additional noninterest expense | $342,000 | 9,448 |
| Pre-tax net operating income | $833,000 | 6,708 |
| Securities gains (losses) | $91,000 | 810 |
| Applicable income taxes | $308,000 | 5,782 |
| Income before extraordinary items | $616,000 | 6,419 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $616,000 | 6,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $555,030 | 6,921 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,268,000 | 9,637 |
| Total interest expense | $776,000 | 10,166 |
| Net interest income | $1,492,000 | 9,143 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $132,000 | 10,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 8,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $631,000 | 11,480 |
| Salaries and employee benefits | $274,000 | 11,937 |
| Premises and equipment expense | $55,000 | 12,039 |
| Additional noninterest expense | $302,000 | 10,426 |
| Pre-tax net operating income | $993,000 | 5,910 |
| Securities gains (losses) | $244,000 | 1,479 |
| Applicable income taxes | $424,000 | 4,798 |
| Income before extraordinary items | $813,000 | 5,504 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $813,000 | 5,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $750,000 | 2,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $651,960 | 6,174 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,461,000 | 9,988 |
| Total interest expense | $909,000 | 10,823 |
| Net interest income | $1,552,000 | 9,111 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $141,000 | 10,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 8,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 11,401 |
| Total noninterest expense | $636,000 | 11,851 |
| Salaries and employee benefits | $242,000 | 12,692 |
| Premises and equipment expense | $56,000 | 12,452 |
| Additional noninterest expense | $338,000 | 10,340 |
| Pre-tax net operating income | $1,057,000 | 5,411 |
| Securities gains (losses) | $329,000 | 1,456 |
| Applicable income taxes | $470,000 | 4,207 |
| Income before extraordinary items | $916,000 | 4,867 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $916,000 | 4,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 7,050 |
| Cash dividends | $750,000 | 2,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $698,860 | 5,590 |
* 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.