Home > First National Bank of Shelby County > Income and Expense
First National Bank of Shelby County, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,471,000 | 3,299 |
| Total interest expense | $2,926,000 | 3,406 |
| Net interest income | $6,545,000 | 3,196 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,797,000 | 2,376 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,093,000 | 1,596 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $704,000 | 2,762 |
| Total noninterest expense | $8,041,000 | 2,071 |
| Salaries and employee benefits | $3,880,000 | 2,357 |
| Premises and equipment expense | $1,168,000 | 2,046 |
| Additional noninterest expense | $2,993,000 | 1,686 |
| Pre-tax net operating income | $301,000 | 7,375 |
| Securities gains (losses) | $159,000 | 568 |
| Applicable income taxes | $228,000 | 4,488 |
| Income before extraordinary items | $232,000 | 7,455 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $232,000 | 7,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $534,000 | 1,114 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $130,240 | 7,828 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,073,000 | 3,255 |
| Total interest expense | $2,192,000 | 3,256 |
| Net interest income | $4,881,000 | 3,206 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,610,000 | 2,097 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $834,000 | 1,554 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $776,000 | 2,170 |
| Total noninterest expense | $5,733,000 | 2,161 |
| Salaries and employee benefits | $2,969,000 | 2,290 |
| Premises and equipment expense | $854,000 | 2,084 |
| Additional noninterest expense | $1,910,000 | 1,950 |
| Pre-tax net operating income | $758,000 | 5,465 |
| Securities gains (losses) | $159,000 | 531 |
| Applicable income taxes | $345,000 | 3,550 |
| Income before extraordinary items | $572,000 | 5,577 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $572,000 | 5,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $446,000 | 917 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $470,240 | 6,005 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,744,000 | 3,177 |
| Total interest expense | $1,473,000 | 3,089 |
| Net interest income | $3,271,000 | 3,175 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $902,000 | 2,358 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $564,000 | 1,494 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $338,000 | 2,843 |
| Total noninterest expense | $3,942,000 | 2,080 |
| Salaries and employee benefits | $2,081,000 | 2,173 |
| Premises and equipment expense | $565,000 | 2,097 |
| Additional noninterest expense | $1,296,000 | 1,896 |
| Pre-tax net operating income | $231,000 | 7,013 |
| Securities gains (losses) | $104,000 | 549 |
| Applicable income taxes | $106,000 | 4,740 |
| Income before extraordinary items | $229,000 | 6,677 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $229,000 | 6,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 690 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $158,280 | 7,236 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,383,000 | 3,111 |
| Total interest expense | $751,000 | 2,949 |
| Net interest income | $1,632,000 | 3,162 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $489,000 | 2,167 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $288,000 | 1,430 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $201,000 | 2,474 |
| Total noninterest expense | $1,941,000 | 2,128 |
| Salaries and employee benefits | $1,056,000 | 2,156 |
| Premises and equipment expense | $282,000 | 2,122 |
| Additional noninterest expense | $603,000 | 2,031 |
| Pre-tax net operating income | $180,000 | 6,187 |
| Securities gains (losses) | $98,000 | 376 |
| Applicable income taxes | $93,000 | 3,886 |
| Income before extraordinary items | $185,000 | 5,618 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $185,000 | 5,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 852 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $119,340 | 6,546 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,875,000 | 2,872 |
| Total interest expense | $3,388,000 | 2,369 |
| Net interest income | $6,487,000 | 3,091 |
| Provision for loan and lease losses | $968,000 | 1,067 |
| Total noninterest income | $2,845,000 | 1,680 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,324,000 | 1,339 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,521,000 | 1,623 |
| Total noninterest expense | $8,521,000 | 1,894 |
| Salaries and employee benefits | $4,226,000 | 2,070 |
| Premises and equipment expense | $1,218,000 | 1,882 |
| Additional noninterest expense | $3,077,000 | 1,587 |
| Pre-tax net operating income | $-157,000 | 8,512 |
| Securities gains (losses) | $170,000 | 913 |
| Applicable income taxes | $-199,000 | 8,806 |
| Income before extraordinary items | $212,000 | 7,585 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $212,000 | 7,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $707,000 | 993 |
| Cash dividends | $150,000 | 5,168 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $42,000 | 8,272 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,490,000 | 2,796 |
| Total interest expense | $2,557,000 | 2,306 |
| Net interest income | $4,933,000 | 3,039 |
| Provision for loan and lease losses | $968,000 | 805 |
| Total noninterest income | $2,443,000 | 1,508 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,001,000 | 1,341 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,442,000 | 1,378 |
| Total noninterest expense | $5,625,000 | 2,122 |
| Salaries and employee benefits | $3,212,000 | 2,025 |
| Premises and equipment expense | $907,000 | 1,898 |
| Additional noninterest expense | $1,506,000 | 2,383 |
| Pre-tax net operating income | $783,000 | 5,239 |
| Securities gains (losses) | $116,000 | 1,082 |
| Applicable income taxes | $180,000 | 4,606 |
| Income before extraordinary items | $719,000 | 4,887 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $719,000 | 4,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $653,000 | 776 |
| Cash dividends | $150,000 | 4,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $626,200 | 5,166 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,066,000 | 2,757 |
| Total interest expense | $1,709,000 | 2,279 |
| Net interest income | $3,357,000 | 2,973 |
| Provision for loan and lease losses | $715,000 | 713 |
| Total noninterest income | $1,157,000 | 1,979 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $668,000 | 1,325 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $489,000 | 2,224 |
| Total noninterest expense | $3,927,000 | 2,029 |
| Salaries and employee benefits | $2,204,000 | 1,978 |
| Premises and equipment expense | $577,000 | 1,995 |
| Additional noninterest expense | $1,146,000 | 2,109 |
| Pre-tax net operating income | $-128,000 | 8,708 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $-160,000 | 8,976 |
| Income before extraordinary items | $40,000 | 8,315 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $40,000 | 8,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $537,000 | 663 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $34,880 | 8,291 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,648,000 | 2,632 |
| Total interest expense | $847,000 | 2,318 |
| Net interest income | $1,801,000 | 2,756 |
| Provision for loan and lease losses | $715,000 | 402 |
| Total noninterest income | $424,000 | 2,434 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $333,000 | 1,292 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $91,000 | 3,909 |
| Total noninterest expense | $2,001,000 | 1,999 |
| Salaries and employee benefits | $1,136,000 | 1,929 |
| Premises and equipment expense | $291,000 | 1,988 |
| Additional noninterest expense | $574,000 | 2,053 |
| Pre-tax net operating income | $-491,000 | 9,033 |
| Securities gains (losses) | $8,000 | 2,145 |
| Applicable income taxes | $-178,000 | 9,061 |
| Income before extraordinary items | $-305,000 | 8,997 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-305,000 | 8,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $642,000 | 357 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-310,120 | 8,976 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,031,000 | 2,575 |
| Total interest expense | $3,169,000 | 2,726 |
| Net interest income | $7,862,000 | 2,467 |
| Provision for loan and lease losses | $3,285,000 | 441 |
| Total noninterest income | $1,947,000 | 2,359 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,387,000 | 1,253 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $560,000 | 3,381 |
| Total noninterest expense | $8,288,000 | 1,917 |
| Salaries and employee benefits | $4,487,000 | 1,917 |
| Premises and equipment expense | $1,157,000 | 1,971 |
| Additional noninterest expense | $2,644,000 | 1,824 |
| Pre-tax net operating income | $-1,764,000 | 9,062 |
| Securities gains (losses) | $368,000 | 924 |
| Applicable income taxes | $-807,000 | 9,123 |
| Income before extraordinary items | $-589,000 | 8,932 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-589,000 | 8,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,124,000 | 529 |
| Cash dividends | $300,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-824,520 | 8,952 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,308,000 | 2,608 |
| Total interest expense | $2,400,000 | 2,794 |
| Net interest income | $5,908,000 | 2,478 |
| Provision for loan and lease losses | $1,153,000 | 790 |
| Total noninterest income | $1,468,000 | 2,403 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,022,000 | 1,284 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $446,000 | 3,342 |
| Total noninterest expense | $5,875,000 | 2,015 |
| Salaries and employee benefits | $3,330,000 | 1,933 |
| Premises and equipment expense | $832,000 | 2,069 |
| Additional noninterest expense | $1,713,000 | 2,098 |
| Pre-tax net operating income | $348,000 | 6,956 |
| Securities gains (losses) | $335,000 | 899 |
| Applicable income taxes | $12,000 | 7,003 |
| Income before extraordinary items | $671,000 | 5,098 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $671,000 | 5,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $714,000 | 881 |
| Cash dividends | $150,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $342,700 | 6,519 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,543,000 | 2,634 |
| Total interest expense | $1,634,000 | 2,821 |
| Net interest income | $3,909,000 | 2,486 |
| Provision for loan and lease losses | $800,000 | 760 |
| Total noninterest income | $1,003,000 | 2,355 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $672,000 | 1,281 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $331,000 | 3,116 |
| Total noninterest expense | $3,853,000 | 2,045 |
| Salaries and employee benefits | $2,216,000 | 1,920 |
| Premises and equipment expense | $538,000 | 2,114 |
| Additional noninterest expense | $1,099,000 | 2,169 |
| Pre-tax net operating income | $259,000 | 6,782 |
| Securities gains (losses) | $65,000 | 1,837 |
| Applicable income taxes | $-30,000 | 9,053 |
| Income before extraordinary items | $354,000 | 5,705 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $354,000 | 5,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $563,000 | 789 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $289,000 | 5,974 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,810,000 | 2,617 |
| Total interest expense | $841,000 | 2,810 |
| Net interest income | $1,969,000 | 2,470 |
| Provision for loan and lease losses | $721,000 | 482 |
| Total noninterest income | $528,000 | 2,195 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $337,000 | 1,237 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $191,000 | 2,797 |
| Total noninterest expense | $1,903,000 | 2,055 |
| Salaries and employee benefits | $1,121,000 | 1,903 |
| Premises and equipment expense | $262,000 | 2,159 |
| Additional noninterest expense | $520,000 | 2,251 |
| Pre-tax net operating income | $-127,000 | 9,006 |
| Securities gains (losses) | $39,000 | 1,535 |
| Applicable income taxes | $-113,000 | 9,228 |
| Income before extraordinary items | $25,000 | 8,388 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $25,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $497,000 | 502 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $40 | 8,656 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,384,000 | 2,494 |
| Total interest expense | $4,185,000 | 2,647 |
| Net interest income | $8,199,000 | 2,350 |
| Provision for loan and lease losses | $762,000 | 1,704 |
| Total noninterest income | $1,758,000 | 2,356 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,321,000 | 1,222 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $437,000 | 3,529 |
| Total noninterest expense | $7,269,000 | 2,067 |
| Salaries and employee benefits | $4,050,000 | 1,972 |
| Premises and equipment expense | $1,057,000 | 2,071 |
| Additional noninterest expense | $2,162,000 | 2,147 |
| Pre-tax net operating income | $1,926,000 | 3,520 |
| Securities gains (losses) | $69,000 | 2,112 |
| Applicable income taxes | $494,000 | 3,470 |
| Income before extraordinary items | $1,501,000 | 3,505 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,501,000 | 3,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $964,000 | 999 |
| Cash dividends | $340,000 | 4,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,449,250 | 3,490 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,338,000 | 2,390 |
| Total interest expense | $6,599,000 | 2,435 |
| Net interest income | $7,739,000 | 2,312 |
| Provision for loan and lease losses | $942,000 | 1,312 |
| Total noninterest income | $1,308,000 | 2,763 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,255,000 | 1,184 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $53,000 | 7,596 |
| Total noninterest expense | $7,154,000 | 2,005 |
| Salaries and employee benefits | $3,913,000 | 1,916 |
| Premises and equipment expense | $1,136,000 | 1,884 |
| Additional noninterest expense | $2,105,000 | 2,134 |
| Pre-tax net operating income | $951,000 | 5,028 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $149,000 | 5,456 |
| Income before extraordinary items | $801,000 | 4,868 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $801,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,587 |
| Cash dividends | $280,000 | 4,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $801,840 | 4,759 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,009,000 | 2,474 |
| Total interest expense | $6,837,000 | 2,461 |
| Net interest income | $7,172,000 | 2,477 |
| Provision for loan and lease losses | $585,000 | 1,664 |
| Total noninterest income | $2,664,000 | 1,500 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,165,000 | 1,162 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,499,000 | 1,379 |
| Total noninterest expense | $6,924,000 | 1,999 |
| Salaries and employee benefits | $3,911,000 | 1,842 |
| Premises and equipment expense | $1,348,000 | 1,542 |
| Additional noninterest expense | $1,665,000 | 2,559 |
| Pre-tax net operating income | $2,327,000 | 2,944 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $419,000 | 3,889 |
| Income before extraordinary items | $1,903,000 | 2,683 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,903,000 | 2,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 1,564 |
| Cash dividends | $391,000 | 4,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,907,100 | 2,668 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,307,000 | 2,646 |
| Total interest expense | $6,055,000 | 2,432 |
| Net interest income | $6,252,000 | 2,815 |
| Provision for loan and lease losses | $357,000 | 2,320 |
| Total noninterest income | $2,164,000 | 1,753 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,137,000 | 1,170 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,027,000 | 1,831 |
| Total noninterest expense | $6,647,000 | 2,049 |
| Salaries and employee benefits | $3,768,000 | 1,848 |
| Premises and equipment expense | $1,367,000 | 1,506 |
| Additional noninterest expense | $1,512,000 | 2,844 |
| Pre-tax net operating income | $1,412,000 | 4,267 |
| Securities gains (losses) | $35,000 | 1,127 |
| Applicable income taxes | $135,000 | 6,458 |
| Income before extraordinary items | $1,312,000 | 3,621 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,312,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,829 |
| Cash dividends | $175,000 | 5,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,280,150 | 3,637 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,207,000 | 2,880 |
| Total interest expense | $5,462,000 | 2,763 |
| Net interest income | $5,745,000 | 3,001 |
| Provision for loan and lease losses | $442,000 | 1,907 |
| Total noninterest income | $1,411,000 | 2,373 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,046,000 | 1,200 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $365,000 | 3,618 |
| Total noninterest expense | $5,692,000 | 2,299 |
| Salaries and employee benefits | $3,276,000 | 2,065 |
| Premises and equipment expense | $1,057,000 | 1,867 |
| Additional noninterest expense | $1,359,000 | 3,023 |
| Pre-tax net operating income | $1,022,000 | 5,346 |
| Securities gains (losses) | $266,000 | 786 |
| Applicable income taxes | $346,000 | 4,788 |
| Income before extraordinary items | $942,000 | 4,680 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $942,000 | 4,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,803 |
| Cash dividends | $433,000 | 3,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $747,820 | 5,300 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,425,000 | 3,103 |
| Total interest expense | $4,768,000 | 3,121 |
| Net interest income | $5,657,000 | 3,083 |
| Provision for loan and lease losses | $155,000 | 4,057 |
| Total noninterest income | $1,226,000 | 2,588 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $925,000 | 1,394 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $301,000 | 3,921 |
| Total noninterest expense | $5,515,000 | 2,347 |
| Salaries and employee benefits | $3,280,000 | 2,004 |
| Premises and equipment expense | $948,000 | 2,079 |
| Additional noninterest expense | $1,287,000 | 3,133 |
| Pre-tax net operating income | $1,213,000 | 5,212 |
| Securities gains (losses) | $120,000 | 912 |
| Applicable income taxes | $274,000 | 5,980 |
| Income before extraordinary items | $1,059,000 | 4,490 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,059,000 | 4,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 2,047 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $964,200 | 4,769 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,594,000 | 3,406 |
| Total interest expense | $4,030,000 | 3,686 |
| Net interest income | $5,564,000 | 3,179 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $1,109,000 | 2,861 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $891,000 | 1,506 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $218,000 | 4,938 |
| Total noninterest expense | $5,228,000 | 2,600 |
| Salaries and employee benefits | $3,209,000 | 2,076 |
| Premises and equipment expense | $967,000 | 2,078 |
| Additional noninterest expense | $1,052,000 | 4,226 |
| Pre-tax net operating income | $1,433,000 | 4,505 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $346,000 | 5,378 |
| Income before extraordinary items | $1,103,000 | 4,141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,103,000 | 4,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,684 |
| Cash dividends | $267,000 | 4,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,090,840 | 4,125 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,960,000 | 3,634 |
| Total interest expense | $3,671,000 | 3,981 |
| Net interest income | $5,289,000 | 3,349 |
| Provision for loan and lease losses | $83,000 | 5,026 |
| Total noninterest income | $1,167,000 | 2,780 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $842,000 | 1,603 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $325,000 | 3,814 |
| Total noninterest expense | $5,066,000 | 2,683 |
| Salaries and employee benefits | $2,827,000 | 2,343 |
| Premises and equipment expense | $980,000 | 2,052 |
| Additional noninterest expense | $1,259,000 | 3,591 |
| Pre-tax net operating income | $1,307,000 | 4,945 |
| Securities gains (losses) | $41,000 | 1,437 |
| Applicable income taxes | $334,000 | 5,611 |
| Income before extraordinary items | $1,014,000 | 4,549 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,014,000 | 4,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,898 |
| Cash dividends | $226,000 | 5,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $983,250 | 4,650 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,670,000 | 3,884 |
| Total interest expense | $3,025,000 | 3,935 |
| Net interest income | $4,645,000 | 3,809 |
| Provision for loan and lease losses | $-101,000 | 12,181 |
| Total noninterest income | $1,108,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $834,000 | 1,630 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $274,000 | 4,351 |
| Total noninterest expense | $4,925,000 | 2,814 |
| Salaries and employee benefits | $2,675,000 | 2,494 |
| Premises and equipment expense | $835,000 | 2,429 |
| Additional noninterest expense | $1,415,000 | 3,495 |
| Pre-tax net operating income | $929,000 | 6,265 |
| Securities gains (losses) | $11,000 | 2,158 |
| Applicable income taxes | $233,000 | 6,778 |
| Income before extraordinary items | $707,000 | 5,865 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $707,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $234,000 | 5,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $698,750 | 5,985 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,380,000 | 4,105 |
| Total interest expense | $2,868,000 | 4,279 |
| Net interest income | $4,512,000 | 3,922 |
| Provision for loan and lease losses | $554,000 | 1,955 |
| Total noninterest income | $1,171,000 | 2,955 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $859,000 | 1,597 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $312,000 | 4,360 |
| Total noninterest expense | $4,828,000 | 2,949 |
| Salaries and employee benefits | $2,533,000 | 2,603 |
| Premises and equipment expense | $614,000 | 3,257 |
| Additional noninterest expense | $1,681,000 | 3,173 |
| Pre-tax net operating income | $301,000 | 10,232 |
| Securities gains (losses) | $91,000 | 2,627 |
| Applicable income taxes | $88,000 | 10,034 |
| Income before extraordinary items | $304,000 | 9,436 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $304,000 | 9,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 2,332 |
| Cash dividends | $240,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $233,020 | 9,996 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,469,000 | 4,083 |
| Total interest expense | $3,734,000 | 4,317 |
| Net interest income | $4,735,000 | 3,825 |
| Provision for loan and lease losses | $539,000 | 2,838 |
| Total noninterest income | $1,054,000 | 3,177 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $858,000 | 1,582 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $196,000 | 5,740 |
| Total noninterest expense | $4,646,000 | 3,077 |
| Salaries and employee benefits | $2,629,000 | 2,454 |
| Premises and equipment expense | $602,000 | 3,348 |
| Additional noninterest expense | $1,415,000 | 3,769 |
| Pre-tax net operating income | $604,000 | 7,685 |
| Securities gains (losses) | $85,000 | 3,276 |
| Applicable income taxes | $87,000 | 10,252 |
| Income before extraordinary items | $602,000 | 6,563 |
| Extraordinary gains, net | $60,000 | 938 |
| Net income | $662,000 | 6,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $584,000 | 2,205 |
| Cash dividends | $83,000 | 6,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $528,050 | 6,721 |
* 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.