Home > First National Bank, Torrington > Income and Expense
First National Bank, Torrington, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,969,000 | 3,054 |
| Total interest expense | $1,860,000 | 2,561 |
| Net interest income | $3,109,000 | 3,309 |
| Provision for loan and lease losses | $1,880,000 | 274 |
| Total noninterest income | $314,000 | 4,667 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $222,000 | 3,268 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $92,000 | 5,342 |
| Total noninterest expense | $1,862,000 | 4,035 |
| Salaries and employee benefits | $1,022,000 | 4,007 |
| Premises and equipment expense | $207,000 | 4,708 |
| Additional noninterest expense | $633,000 | 3,641 |
| Pre-tax net operating income | $-319,000 | 8,607 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-155,000 | 8,777 |
| Income before extraordinary items | $-164,000 | 8,560 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-164,000 | 8,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,198,000 | 315 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-164,000 | 8,537 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,491,000 | 3,002 |
| Total interest expense | $881,000 | 2,587 |
| Net interest income | $1,610,000 | 3,210 |
| Provision for loan and lease losses | $757,000 | 322 |
| Total noninterest income | $146,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $121,000 | 3,015 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $913,000 | 4,120 |
| Salaries and employee benefits | $499,000 | 4,095 |
| Premises and equipment expense | $102,000 | 4,794 |
| Additional noninterest expense | $312,000 | 3,692 |
| Pre-tax net operating income | $86,000 | 7,418 |
| Securities gains (losses) | $23,000 | 748 |
| Applicable income taxes | $12,000 | 5,990 |
| Income before extraordinary items | $97,000 | 6,948 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $97,000 | 6,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 469 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $76,530 | 7,278 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,337,000 | 3,008 |
| Total interest expense | $3,289,000 | 2,421 |
| Net interest income | $6,048,000 | 3,275 |
| Provision for loan and lease losses | $540,000 | 1,846 |
| Total noninterest income | $698,000 | 4,398 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $583,000 | 2,767 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $115,000 | 6,174 |
| Total noninterest expense | $3,543,000 | 4,141 |
| Salaries and employee benefits | $1,828,000 | 4,287 |
| Premises and equipment expense | $426,000 | 4,568 |
| Additional noninterest expense | $1,289,000 | 3,543 |
| Pre-tax net operating income | $2,663,000 | 2,847 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $812,000 | 2,509 |
| Income before extraordinary items | $1,867,000 | 3,099 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,867,000 | 3,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,519 |
| Cash dividends | $150,000 | 5,168 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,855,800 | 3,046 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,770,000 | 3,069 |
| Total interest expense | $2,392,000 | 2,451 |
| Net interest income | $4,378,000 | 3,346 |
| Provision for loan and lease losses | $390,000 | 1,816 |
| Total noninterest income | $507,000 | 4,509 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $413,000 | 2,931 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $94,000 | 6,030 |
| Total noninterest expense | $2,569,000 | 4,224 |
| Salaries and employee benefits | $1,315,000 | 4,383 |
| Premises and equipment expense | $290,000 | 4,862 |
| Additional noninterest expense | $964,000 | 3,525 |
| Pre-tax net operating income | $1,926,000 | 2,979 |
| Securities gains (losses) | $16,000 | 2,442 |
| Applicable income taxes | $577,000 | 2,644 |
| Income before extraordinary items | $1,365,000 | 3,218 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,365,000 | 3,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,778 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,353,800 | 3,153 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,456,000 | 3,085 |
| Total interest expense | $1,548,000 | 2,503 |
| Net interest income | $2,908,000 | 3,346 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $328,000 | 4,579 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $255,000 | 3,096 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $73,000 | 5,776 |
| Total noninterest expense | $1,725,000 | 4,215 |
| Salaries and employee benefits | $880,000 | 4,403 |
| Premises and equipment expense | $195,000 | 4,840 |
| Additional noninterest expense | $650,000 | 3,507 |
| Pre-tax net operating income | $1,271,000 | 2,972 |
| Securities gains (losses) | $16,000 | 2,165 |
| Applicable income taxes | $381,000 | 2,647 |
| Income before extraordinary items | $906,000 | 3,201 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $906,000 | 3,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $894,800 | 3,146 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,204,000 | 3,122 |
| Total interest expense | $763,000 | 2,563 |
| Net interest income | $1,441,000 | 3,367 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $150,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $122,000 | 3,125 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $28,000 | 6,237 |
| Total noninterest expense | $806,000 | 4,448 |
| Salaries and employee benefits | $404,000 | 4,706 |
| Premises and equipment expense | $99,000 | 4,820 |
| Additional noninterest expense | $303,000 | 3,723 |
| Pre-tax net operating income | $665,000 | 2,820 |
| Securities gains (losses) | $16,000 | 1,816 |
| Applicable income taxes | $211,000 | 2,483 |
| Income before extraordinary items | $470,000 | 3,085 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $470,000 | 3,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $458,960 | 3,029 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,834,000 | 3,500 |
| Total interest expense | $3,004,000 | 2,865 |
| Net interest income | $4,830,000 | 3,772 |
| Provision for loan and lease losses | $338,000 | 2,922 |
| Total noninterest income | $600,000 | 4,973 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $503,000 | 3,074 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $97,000 | 6,585 |
| Total noninterest expense | $3,107,000 | 4,499 |
| Salaries and employee benefits | $1,617,000 | 4,607 |
| Premises and equipment expense | $440,000 | 4,431 |
| Additional noninterest expense | $1,050,000 | 4,114 |
| Pre-tax net operating income | $1,985,000 | 3,414 |
| Securities gains (losses) | $71,000 | 2,198 |
| Applicable income taxes | $588,000 | 3,104 |
| Income before extraordinary items | $1,468,000 | 3,611 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,468,000 | 3,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,380 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,417,590 | 3,537 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,736,000 | 3,605 |
| Total interest expense | $2,226,000 | 2,984 |
| Net interest income | $3,510,000 | 3,890 |
| Provision for loan and lease losses | $232,000 | 3,003 |
| Total noninterest income | $430,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $366,000 | 3,163 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $64,000 | 6,840 |
| Total noninterest expense | $2,215,000 | 4,630 |
| Salaries and employee benefits | $1,169,000 | 4,722 |
| Premises and equipment expense | $295,000 | 4,767 |
| Additional noninterest expense | $751,000 | 4,257 |
| Pre-tax net operating income | $1,493,000 | 3,523 |
| Securities gains (losses) | $71,000 | 2,028 |
| Applicable income taxes | $440,000 | 3,256 |
| Income before extraordinary items | $1,124,000 | 3,678 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,124,000 | 3,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,072,880 | 3,650 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,785,000 | 3,663 |
| Total interest expense | $1,455,000 | 3,137 |
| Net interest income | $2,330,000 | 3,913 |
| Provision for loan and lease losses | $128,000 | 3,363 |
| Total noninterest income | $275,000 | 5,211 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $233,000 | 3,243 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $42,000 | 6,875 |
| Total noninterest expense | $1,411,000 | 4,778 |
| Salaries and employee benefits | $774,000 | 4,723 |
| Premises and equipment expense | $207,000 | 4,599 |
| Additional noninterest expense | $430,000 | 4,752 |
| Pre-tax net operating income | $1,066,000 | 3,366 |
| Securities gains (losses) | $55,000 | 1,944 |
| Applicable income taxes | $312,000 | 3,170 |
| Income before extraordinary items | $809,000 | 3,488 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $809,000 | 3,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,965 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $769,400 | 3,418 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,852,000 | 3,735 |
| Total interest expense | $729,000 | 3,201 |
| Net interest income | $1,123,000 | 4,032 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $146,000 | 4,959 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $113,000 | 3,234 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $33,000 | 6,044 |
| Total noninterest expense | $691,000 | 4,837 |
| Salaries and employee benefits | $403,000 | 4,587 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $189,000 | 5,173 |
| Pre-tax net operating income | $518,000 | 3,410 |
| Securities gains (losses) | $9,000 | 2,215 |
| Applicable income taxes | $143,000 | 3,302 |
| Income before extraordinary items | $384,000 | 3,575 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $384,000 | 3,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $377,430 | 3,448 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,719,000 | 4,190 |
| Total interest expense | $2,875,000 | 3,649 |
| Net interest income | $3,844,000 | 4,478 |
| Provision for loan and lease losses | $204,000 | 4,309 |
| Total noninterest income | $493,000 | 5,257 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $382,000 | 3,638 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $111,000 | 6,234 |
| Total noninterest expense | $2,984,000 | 4,479 |
| Salaries and employee benefits | $1,544,000 | 4,588 |
| Premises and equipment expense | $358,000 | 5,020 |
| Additional noninterest expense | $1,082,000 | 3,936 |
| Pre-tax net operating income | $1,149,000 | 4,822 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $334,000 | 4,254 |
| 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 | $-3,000 | 8,606 |
| Cash dividends | $299,000 | 4,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $815,290 | 5,011 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,463,000 | 4,699 |
| Total interest expense | $3,614,000 | 4,109 |
| Net interest income | $2,849,000 | 5,264 |
| Provision for loan and lease losses | $134,000 | 5,003 |
| Total noninterest income | $577,000 | 4,681 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $334,000 | 3,893 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $243,000 | 4,547 |
| Total noninterest expense | $2,389,000 | 5,119 |
| Salaries and employee benefits | $1,282,000 | 5,080 |
| Premises and equipment expense | $369,000 | 4,858 |
| Additional noninterest expense | $738,000 | 5,077 |
| Pre-tax net operating income | $903,000 | 5,186 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $218,000 | 4,878 |
| Income before extraordinary items | $687,000 | 5,278 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $687,000 | 5,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,083 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $685,480 | 5,162 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,414,000 | 4,872 |
| Total interest expense | $3,555,000 | 4,338 |
| Net interest income | $2,859,000 | 5,330 |
| Provision for loan and lease losses | $106,000 | 5,184 |
| Total noninterest income | $476,000 | 5,038 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $286,000 | 4,197 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 4,912 |
| Total noninterest expense | $1,704,000 | 6,263 |
| Salaries and employee benefits | $922,000 | 6,235 |
| Premises and equipment expense | $224,000 | 6,399 |
| Additional noninterest expense | $558,000 | 6,026 |
| Pre-tax net operating income | $1,525,000 | 4,032 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $450,000 | 3,734 |
| Income before extraordinary items | $1,075,000 | 4,175 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,075,000 | 4,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,877 |
| Cash dividends | $652,000 | 3,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,075,000 | 4,177 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,395,000 | 5,309 |
| Total interest expense | $2,706,000 | 4,963 |
| Net interest income | $2,689,000 | 5,547 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $470,000 | 5,146 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $283,000 | 4,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,093 |
| Total noninterest expense | $1,505,000 | 6,772 |
| Salaries and employee benefits | $789,000 | 6,803 |
| Premises and equipment expense | $208,000 | 6,677 |
| Additional noninterest expense | $508,000 | 6,454 |
| Pre-tax net operating income | $1,584,000 | 3,949 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $457,000 | 3,820 |
| Income before extraordinary items | $1,130,000 | 4,054 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,130,000 | 4,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $640,000 | 3,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,127,870 | 4,024 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,938,000 | 5,724 |
| Total interest expense | $2,417,000 | 5,495 |
| Net interest income | $2,521,000 | 5,825 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $428,000 | 5,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,060 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 5,837 |
| Total noninterest expense | $1,456,000 | 6,809 |
| Salaries and employee benefits | $793,000 | 6,711 |
| Premises and equipment expense | $168,000 | 7,274 |
| Additional noninterest expense | $495,000 | 6,479 |
| Pre-tax net operating income | $1,433,000 | 4,332 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $438,000 | 4,188 |
| Income before extraordinary items | $1,001,000 | 4,527 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,001,000 | 4,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 9,867 |
| Cash dividends | $972,000 | 2,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $996,800 | 4,439 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,480,000 | 6,246 |
| Total interest expense | $2,205,000 | 5,870 |
| Net interest income | $2,275,000 | 6,403 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $361,000 | 6,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $249,000 | 4,677 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,462 |
| Total noninterest expense | $1,360,000 | 7,144 |
| Salaries and employee benefits | $736,000 | 7,110 |
| Premises and equipment expense | $184,000 | 7,131 |
| Additional noninterest expense | $440,000 | 7,015 |
| Pre-tax net operating income | $1,246,000 | 5,113 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $372,000 | 5,115 |
| Income before extraordinary items | $876,000 | 5,140 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $876,000 | 5,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 9,725 |
| Cash dividends | $815,000 | 2,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $874,600 | 5,099 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,965,000 | 6,901 |
| Total interest expense | $1,968,000 | 6,472 |
| Net interest income | $1,997,000 | 7,151 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $343,000 | 6,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,384 |
| Total noninterest expense | $1,272,000 | 7,748 |
| Salaries and employee benefits | $693,000 | 7,580 |
| Premises and equipment expense | $178,000 | 7,473 |
| Additional noninterest expense | $401,000 | 7,863 |
| Pre-tax net operating income | $1,068,000 | 5,515 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $347,000 | 5,357 |
| Income before extraordinary items | $725,000 | 5,653 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $725,000 | 5,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,393 |
| Cash dividends | $762,000 | 2,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $722,280 | 5,610 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,250,000 | 7,862 |
| Total interest expense | $1,567,000 | 7,511 |
| Net interest income | $1,683,000 | 8,064 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $300,000 | 7,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 5,396 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,842 |
| Total noninterest expense | $1,140,000 | 8,427 |
| Salaries and employee benefits | $598,000 | 8,364 |
| Premises and equipment expense | $162,000 | 7,994 |
| Additional noninterest expense | $380,000 | 8,396 |
| Pre-tax net operating income | $823,000 | 6,747 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $197,000 | 7,466 |
| Income before extraordinary items | $626,000 | 6,451 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $626,000 | 6,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,528 |
| Cash dividends | $546,000 | 3,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $626,000 | 6,441 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,541,000 | 8,839 |
| Total interest expense | $1,148,000 | 8,116 |
| Net interest income | $1,393,000 | 9,177 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $250,000 | 7,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 6,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 8,924 |
| Total noninterest expense | $1,041,000 | 9,206 |
| Salaries and employee benefits | $535,000 | 9,081 |
| Premises and equipment expense | $148,000 | 8,603 |
| Additional noninterest expense | $358,000 | 9,258 |
| Pre-tax net operating income | $602,000 | 7,980 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $117,000 | 8,983 |
| Income before extraordinary items | $485,000 | 7,427 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $485,000 | 7,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,731 |
| Cash dividends | $486,000 | 3,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $485,000 | 7,467 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,444,000 | 9,306 |
| Total interest expense | $1,135,000 | 8,537 |
| Net interest income | $1,309,000 | 9,707 |
| Provision for loan and lease losses | $-90,000 | 12,874 |
| Total noninterest income | $258,000 | 8,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,889 |
| Total noninterest expense | $1,029,000 | 9,608 |
| Salaries and employee benefits | $535,000 | 9,336 |
| Premises and equipment expense | $144,000 | 9,078 |
| Additional noninterest expense | $350,000 | 9,838 |
| Pre-tax net operating income | $628,000 | 7,751 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $97,000 | 9,810 |
| Income before extraordinary items | $531,000 | 7,298 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $531,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 12,131 |
| Cash dividends | $459,000 | 3,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $531,000 | 7,039 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $463,000 | 13,728 |
| Total interest expense | $228,000 | 13,658 |
| Net interest income | $235,000 | 13,727 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $41,000 | 13,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 11,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 13,064 |
| Total noninterest expense | $218,000 | 13,770 |
| Salaries and employee benefits | $82,000 | 13,830 |
| Premises and equipment expense | $28,000 | 13,471 |
| Additional noninterest expense | $108,000 | 13,453 |
| Pre-tax net operating income | $58,000 | 12,366 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $5,000 | 12,508 |
| Income before extraordinary items | $53,000 | 12,533 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $53,000 | 12,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-197,000 | 13,842 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $53,000 | 12,268 |
* 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.