Home > First National Bank of South Georgia > Income and Expense
First National Bank of South Georgia, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,292,000 | 4,480 |
| Total interest expense | $2,359,000 | 3,971 |
| Net interest income | $3,933,000 | 4,679 |
| Provision for loan and lease losses | $222,000 | 3,415 |
| Total noninterest income | $689,000 | 4,430 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $495,000 | 3,077 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $194,000 | 5,225 |
| Total noninterest expense | $2,701,000 | 5,118 |
| Salaries and employee benefits | $1,236,000 | 5,698 |
| Premises and equipment expense | $242,000 | 6,299 |
| Additional noninterest expense | $1,223,000 | 3,822 |
| Pre-tax net operating income | $1,699,000 | 4,087 |
| Securities gains (losses) | $-32,000 | 8,024 |
| Applicable income taxes | $574,000 | 3,147 |
| Income before extraordinary items | $1,093,000 | 4,587 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,093,000 | 4,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,134 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,114,120 | 4,485 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,480,000 | 4,579 |
| Total interest expense | $1,626,000 | 4,069 |
| Net interest income | $2,854,000 | 4,785 |
| Provision for loan and lease losses | $316,000 | 2,096 |
| Total noninterest income | $531,000 | 4,373 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $360,000 | 3,140 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $171,000 | 4,942 |
| Total noninterest expense | $2,034,000 | 5,085 |
| Salaries and employee benefits | $939,000 | 5,629 |
| Premises and equipment expense | $176,000 | 6,342 |
| Additional noninterest expense | $919,000 | 3,737 |
| Pre-tax net operating income | $1,035,000 | 4,686 |
| Securities gains (losses) | $21,000 | 1,208 |
| Applicable income taxes | $350,000 | 3,533 |
| Income before extraordinary items | $706,000 | 5,072 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $706,000 | 5,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,534 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $691,930 | 5,077 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,769,000 | 4,758 |
| Total interest expense | $955,000 | 4,264 |
| Net interest income | $1,814,000 | 4,920 |
| Provision for loan and lease losses | $209,000 | 2,099 |
| Total noninterest income | $340,000 | 4,443 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $232,000 | 3,190 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $108,000 | 5,022 |
| Total noninterest expense | $1,303,000 | 5,208 |
| Salaries and employee benefits | $598,000 | 5,756 |
| Premises and equipment expense | $109,000 | 6,513 |
| Additional noninterest expense | $596,000 | 3,825 |
| Pre-tax net operating income | $642,000 | 4,841 |
| Securities gains (losses) | $20,000 | 1,110 |
| Applicable income taxes | $220,000 | 3,629 |
| Income before extraordinary items | $442,000 | 5,193 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $442,000 | 5,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $428,600 | 5,234 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,280,000 | 4,965 |
| Total interest expense | $439,000 | 4,399 |
| Net interest income | $841,000 | 5,179 |
| Provision for loan and lease losses | $137,000 | 1,579 |
| Total noninterest income | $130,000 | 5,081 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $108,000 | 3,268 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,697 |
| Total noninterest expense | $603,000 | 5,504 |
| Salaries and employee benefits | $257,000 | 6,287 |
| Premises and equipment expense | $54,000 | 6,573 |
| Additional noninterest expense | $292,000 | 3,896 |
| Pre-tax net operating income | $231,000 | 5,630 |
| Securities gains (losses) | $21,000 | 781 |
| Applicable income taxes | $86,000 | 4,012 |
| Income before extraordinary items | $166,000 | 5,871 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $166,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $152,140 | 6,027 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,775,000 | 4,999 |
| Total interest expense | $1,417,000 | 4,667 |
| Net interest income | $3,358,000 | 5,045 |
| Provision for loan and lease losses | $123,000 | 4,583 |
| Total noninterest income | $587,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $526,000 | 3,021 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $61,000 | 7,170 |
| Total noninterest expense | $2,254,000 | 5,622 |
| Salaries and employee benefits | $886,000 | 6,653 |
| Premises and equipment expense | $266,000 | 6,027 |
| Additional noninterest expense | $1,102,000 | 4,010 |
| Pre-tax net operating income | $1,568,000 | 4,139 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $536,000 | 3,229 |
| Income before extraordinary items | $1,032,000 | 4,602 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,032,000 | 4,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,051 |
| Cash dividends | $900,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,032,000 | 4,537 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,543,000 | 5,020 |
| Total interest expense | $1,043,000 | 4,674 |
| Net interest income | $2,500,000 | 5,063 |
| Provision for loan and lease losses | $56,000 | 5,245 |
| Total noninterest income | $453,000 | 4,811 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $409,000 | 2,956 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $44,000 | 7,229 |
| Total noninterest expense | $1,680,000 | 5,619 |
| Salaries and employee benefits | $669,000 | 6,602 |
| Premises and equipment expense | $197,000 | 6,027 |
| Additional noninterest expense | $814,000 | 4,037 |
| Pre-tax net operating income | $1,217,000 | 4,124 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $404,000 | 3,285 |
| Income before extraordinary items | $813,000 | 4,587 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $813,000 | 4,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,829 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $813,000 | 4,500 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,350,000 | 5,045 |
| Total interest expense | $664,000 | 4,816 |
| Net interest income | $1,686,000 | 5,017 |
| Provision for loan and lease losses | $154,000 | 2,662 |
| Total noninterest income | $326,000 | 4,593 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $289,000 | 2,796 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $37,000 | 6,933 |
| Total noninterest expense | $1,121,000 | 5,652 |
| Salaries and employee benefits | $452,000 | 6,598 |
| Premises and equipment expense | $127,000 | 6,167 |
| Additional noninterest expense | $542,000 | 4,061 |
| Pre-tax net operating income | $737,000 | 4,331 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $245,000 | 3,428 |
| Income before extraordinary items | $492,000 | 4,778 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $492,000 | 4,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,756 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $492,000 | 4,684 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,228,000 | 4,924 |
| Total interest expense | $316,000 | 5,012 |
| Net interest income | $912,000 | 4,783 |
| Provision for loan and lease losses | $170,000 | 1,314 |
| Total noninterest income | $184,000 | 4,261 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $158,000 | 2,563 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $564,000 | 5,649 |
| Salaries and employee benefits | $227,000 | 6,635 |
| Premises and equipment expense | $65,000 | 6,100 |
| Additional noninterest expense | $272,000 | 4,048 |
| Pre-tax net operating income | $362,000 | 4,333 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $121,000 | 3,475 |
| Income before extraordinary items | $241,000 | 4,850 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $241,000 | 4,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,025 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $241,000 | 4,726 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,501,000 | 5,241 |
| Total interest expense | $1,424,000 | 5,033 |
| Net interest income | $3,077,000 | 5,230 |
| Provision for loan and lease losses | $315,000 | 3,050 |
| Total noninterest income | $648,000 | 4,756 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $618,000 | 2,641 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $30,000 | 8,120 |
| Total noninterest expense | $1,972,000 | 6,034 |
| Salaries and employee benefits | $753,000 | 7,101 |
| Premises and equipment expense | $236,000 | 6,350 |
| Additional noninterest expense | $983,000 | 4,341 |
| Pre-tax net operating income | $1,438,000 | 4,230 |
| Securities gains (losses) | $-2,000 | 8,601 |
| Applicable income taxes | $486,000 | 3,423 |
| Income before extraordinary items | $950,000 | 4,787 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $950,000 | 4,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,879 |
| Cash dividends | $690,000 | 2,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $951,320 | 4,614 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,376,000 | 5,299 |
| Total interest expense | $1,099,000 | 5,084 |
| Net interest income | $2,277,000 | 5,283 |
| Provision for loan and lease losses | $265,000 | 2,760 |
| Total noninterest income | $499,000 | 4,749 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $473,000 | 2,604 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $26,000 | 8,003 |
| Total noninterest expense | $1,498,000 | 5,986 |
| Salaries and employee benefits | $568,000 | 7,057 |
| Premises and equipment expense | $178,000 | 6,333 |
| Additional noninterest expense | $752,000 | 4,251 |
| Pre-tax net operating income | $1,013,000 | 4,516 |
| Securities gains (losses) | $-2,000 | 8,785 |
| Applicable income taxes | $343,000 | 3,680 |
| Income before extraordinary items | $668,000 | 5,115 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $668,000 | 5,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,931 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $669,320 | 4,923 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,223,000 | 5,381 |
| Total interest expense | $761,000 | 5,087 |
| Net interest income | $1,462,000 | 5,403 |
| Provision for loan and lease losses | $185,000 | 2,635 |
| Total noninterest income | $342,000 | 4,641 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $328,000 | 2,477 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $14,000 | 8,211 |
| Total noninterest expense | $1,005,000 | 5,966 |
| Salaries and employee benefits | $374,000 | 7,119 |
| Premises and equipment expense | $117,000 | 6,344 |
| Additional noninterest expense | $514,000 | 4,154 |
| Pre-tax net operating income | $614,000 | 4,768 |
| Securities gains (losses) | $-1,000 | 8,850 |
| Applicable income taxes | $209,000 | 3,872 |
| Income before extraordinary items | $404,000 | 5,373 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $404,000 | 5,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,935 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $404,660 | 5,176 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,108,000 | 5,413 |
| Total interest expense | $390,000 | 5,113 |
| Net interest income | $718,000 | 5,462 |
| Provision for loan and lease losses | $70,000 | 3,059 |
| Total noninterest income | $183,000 | 4,379 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $171,000 | 2,326 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $520,000 | 5,872 |
| Salaries and employee benefits | $204,000 | 6,922 |
| Premises and equipment expense | $60,000 | 6,275 |
| Additional noninterest expense | $256,000 | 4,131 |
| Pre-tax net operating income | $311,000 | 4,704 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $106,000 | 3,831 |
| Income before extraordinary items | $205,000 | 5,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $205,000 | 5,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,880 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $205,000 | 5,079 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,101,000 | 5,114 |
| Total interest expense | $1,789,000 | 5,174 |
| Net interest income | $3,312,000 | 4,949 |
| Provision for loan and lease losses | $397,000 | 2,866 |
| Total noninterest income | $687,000 | 4,384 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $570,000 | 2,670 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $117,000 | 6,114 |
| Total noninterest expense | $2,432,000 | 5,167 |
| Salaries and employee benefits | $991,000 | 6,172 |
| Premises and equipment expense | $261,000 | 5,987 |
| Additional noninterest expense | $1,180,000 | 3,652 |
| Pre-tax net operating income | $1,170,000 | 4,784 |
| Securities gains (losses) | $67,000 | 2,139 |
| Applicable income taxes | $421,000 | 3,786 |
| Income before extraordinary items | $816,000 | 5,145 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $816,000 | 5,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,555 |
| Cash dividends | $700,000 | 2,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $771,780 | 5,163 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,900,000 | 5,021 |
| Total interest expense | $2,807,000 | 4,982 |
| Net interest income | $3,093,000 | 4,950 |
| Provision for loan and lease losses | $424,000 | 2,497 |
| Total noninterest income | $682,000 | 4,256 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $545,000 | 2,639 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $137,000 | 5,711 |
| Total noninterest expense | $2,446,000 | 5,029 |
| Salaries and employee benefits | $965,000 | 6,116 |
| Premises and equipment expense | $318,000 | 5,341 |
| Additional noninterest expense | $1,163,000 | 3,603 |
| Pre-tax net operating income | $905,000 | 5,176 |
| Securities gains (losses) | $10,000 | 3,593 |
| Applicable income taxes | $312,000 | 4,186 |
| Income before extraordinary items | $603,000 | 5,609 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $603,000 | 5,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 1,840 |
| Cash dividends | $375,000 | 4,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $596,400 | 5,518 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,809,000 | 5,199 |
| Total interest expense | $2,730,000 | 5,265 |
| Net interest income | $3,079,000 | 5,059 |
| Provision for loan and lease losses | $282,000 | 2,992 |
| Total noninterest income | $666,000 | 4,136 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,853 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $196,000 | 4,850 |
| Total noninterest expense | $2,363,000 | 5,053 |
| Salaries and employee benefits | $1,124,000 | 5,478 |
| Premises and equipment expense | $333,000 | 5,104 |
| Additional noninterest expense | $906,000 | 4,310 |
| Pre-tax net operating income | $1,100,000 | 4,999 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $375,000 | 4,132 |
| Income before extraordinary items | $725,000 | 5,328 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $725,000 | 5,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,447 |
| Cash dividends | $500,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $725,000 | 5,328 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,536,000 | 5,907 |
| Total interest expense | $1,998,000 | 6,005 |
| Net interest income | $2,538,000 | 5,747 |
| Provision for loan and lease losses | $118,000 | 4,907 |
| Total noninterest income | $429,000 | 5,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,606 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,013 |
| Total noninterest expense | $2,123,000 | 5,451 |
| Salaries and employee benefits | $1,003,000 | 5,874 |
| Premises and equipment expense | $311,000 | 5,364 |
| Additional noninterest expense | $809,000 | 4,748 |
| Pre-tax net operating income | $726,000 | 6,222 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $243,000 | 5,283 |
| Income before extraordinary items | $483,000 | 6,533 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $483,000 | 6,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,056 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $483,000 | 6,516 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,634,000 | 5,967 |
| Total interest expense | $2,162,000 | 5,903 |
| Net interest income | $2,472,000 | 5,889 |
| Provision for loan and lease losses | $121,000 | 4,603 |
| Total noninterest income | $504,000 | 4,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $373,000 | 3,327 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 5,996 |
| Total noninterest expense | $2,245,000 | 5,139 |
| Salaries and employee benefits | $958,000 | 5,950 |
| Premises and equipment expense | $335,000 | 5,038 |
| Additional noninterest expense | $952,000 | 4,121 |
| Pre-tax net operating income | $610,000 | 6,858 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $198,000 | 6,217 |
| Income before extraordinary items | $412,000 | 7,131 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $412,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,338 |
| Cash dividends | $600,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $412,000 | 7,038 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,432,000 | 6,291 |
| Total interest expense | $2,044,000 | 6,182 |
| Net interest income | $2,388,000 | 6,232 |
| Provision for loan and lease losses | $332,000 | 2,414 |
| Total noninterest income | $513,000 | 4,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $365,000 | 3,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 5,729 |
| Total noninterest expense | $1,717,000 | 6,246 |
| Salaries and employee benefits | $948,000 | 6,065 |
| Premises and equipment expense | $268,000 | 5,826 |
| Additional noninterest expense | $501,000 | 6,497 |
| Pre-tax net operating income | $852,000 | 6,323 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $288,000 | 5,839 |
| Income before extraordinary items | $562,000 | 6,580 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $562,000 | 6,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,403 |
| Cash dividends | $1,459,000 | 1,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $563,320 | 6,522 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,590,000 | 6,306 |
| Total interest expense | $2,210,000 | 6,033 |
| Net interest income | $2,380,000 | 6,418 |
| Provision for loan and lease losses | $340,000 | 2,362 |
| Total noninterest income | $560,000 | 4,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $386,000 | 3,442 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,546 |
| Total noninterest expense | $1,580,000 | 6,893 |
| Salaries and employee benefits | $922,000 | 6,358 |
| Premises and equipment expense | $187,000 | 7,278 |
| Additional noninterest expense | $471,000 | 7,289 |
| Pre-tax net operating income | $1,020,000 | 5,662 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $244,000 | 6,529 |
| Income before extraordinary items | $776,000 | 5,409 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $776,000 | 5,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 1,998 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $776,000 | 5,357 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,017,000 | 6,981 |
| Total interest expense | $1,898,000 | 6,687 |
| Net interest income | $2,119,000 | 7,042 |
| Provision for loan and lease losses | $185,000 | 3,176 |
| Total noninterest income | $516,000 | 5,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,807 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,607 |
| Total noninterest expense | $1,523,000 | 7,196 |
| Salaries and employee benefits | $830,000 | 6,950 |
| Premises and equipment expense | $197,000 | 7,255 |
| Additional noninterest expense | $496,000 | 7,281 |
| Pre-tax net operating income | $927,000 | 6,291 |
| Securities gains (losses) | $-6,000 | 9,789 |
| Applicable income taxes | $307,000 | 5,919 |
| Income before extraordinary items | $614,000 | 6,536 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $614,000 | 6,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,473 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $618,020 | 6,499 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,149,000 | 7,828 |
| Total interest expense | $1,454,000 | 7,033 |
| Net interest income | $1,695,000 | 8,324 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $355,000 | 6,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $1,385,000 | 7,953 |
| Salaries and employee benefits | $713,000 | 7,779 |
| Premises and equipment expense | $196,000 | 7,517 |
| Additional noninterest expense | $476,000 | 8,089 |
| Pre-tax net operating income | $545,000 | 8,352 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $223,000 | 6,971 |
| Income before extraordinary items | $322,000 | 8,914 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $322,000 | 8,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $322,000 | 8,964 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,498,000 | 9,187 |
| Total interest expense | $1,188,000 | 8,301 |
| Net interest income | $1,310,000 | 9,699 |
| Provision for loan and lease losses | $128,000 | 5,054 |
| Total noninterest income | $289,000 | 7,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 10,920 |
| Total noninterest expense | $1,223,000 | 8,804 |
| Salaries and employee benefits | $590,000 | 8,887 |
| Premises and equipment expense | $188,000 | 7,937 |
| Additional noninterest expense | $445,000 | 8,780 |
| Pre-tax net operating income | $248,000 | 10,631 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $248,000 | 10,067 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $248,000 | 10,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 6,359 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $248,000 | 9,820 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,712,000 | 11,497 |
| Total interest expense | $788,000 | 11,390 |
| Net interest income | $924,000 | 11,412 |
| Provision for loan and lease losses | $152,000 | 6,039 |
| Total noninterest income | $164,000 | 10,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 7,385 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $991,000 | 10,023 |
| Salaries and employee benefits | $506,000 | 9,728 |
| Premises and equipment expense | $178,000 | 8,364 |
| Additional noninterest expense | $307,000 | 10,733 |
| Pre-tax net operating income | $-55,000 | 12,865 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-55,000 | 13,004 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-55,000 | 12,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-55,000 | 12,827 |
* 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.