Home > First Savings Bank, F.S.B. > Income and Expense
First Savings Bank, F.S.B., Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,269,000 | 4,029 |
| Total interest expense | $2,560,000 | 3,749 |
| Net interest income | $4,709,000 | 4,131 |
| Provision for loan and lease losses | $39,000 | 6,015 |
| Total noninterest income | $1,264,000 | 3,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,264,000 | 1,888 |
| Total noninterest expense | $4,765,000 | 3,372 |
| Salaries and employee benefits | $2,721,000 | 3,243 |
| Premises and equipment expense | $991,000 | 2,385 |
| Additional noninterest expense | $1,053,000 | 4,242 |
| Pre-tax net operating income | $1,169,000 | 4,960 |
| Securities gains (losses) | $689,000 | 236 |
| Applicable income taxes | $339,000 | 3,948 |
| Income before extraordinary items | $1,519,000 | 3,760 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,519,000 | 3,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,857 |
| Cash dividends | $550,000 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $954,020 | 4,914 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,381,000 | 4,026 |
| Total interest expense | $1,862,000 | 3,702 |
| Net interest income | $3,519,000 | 4,141 |
| Provision for loan and lease losses | $29,000 | 5,877 |
| Total noninterest income | $967,000 | 2,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $967,000 | 1,865 |
| Total noninterest expense | $3,499,000 | 3,401 |
| Salaries and employee benefits | $1,971,000 | 3,315 |
| Premises and equipment expense | $726,000 | 2,428 |
| Additional noninterest expense | $802,000 | 4,176 |
| Pre-tax net operating income | $958,000 | 4,884 |
| Securities gains (losses) | $499,000 | 260 |
| Applicable income taxes | $266,000 | 3,986 |
| Income before extraordinary items | $1,191,000 | 3,674 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,191,000 | 3,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,216 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $781,820 | 4,787 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,496,000 | 4,040 |
| Total interest expense | $1,190,000 | 3,639 |
| Net interest income | $2,306,000 | 4,173 |
| Provision for loan and lease losses | $25,000 | 5,445 |
| Total noninterest income | $626,000 | 3,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $626,000 | 1,874 |
| Total noninterest expense | $2,300,000 | 3,419 |
| Salaries and employee benefits | $1,339,000 | 3,240 |
| Premises and equipment expense | $481,000 | 2,421 |
| Additional noninterest expense | $480,000 | 4,513 |
| Pre-tax net operating income | $607,000 | 4,993 |
| Securities gains (losses) | $251,000 | 361 |
| Applicable income taxes | $157,000 | 4,180 |
| Income before extraordinary items | $701,000 | 3,987 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $701,000 | 3,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,194 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $495,180 | 4,862 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,698,000 | 4,106 |
| Total interest expense | $572,000 | 3,642 |
| Net interest income | $1,126,000 | 4,251 |
| Provision for loan and lease losses | $18,000 | 4,743 |
| Total noninterest income | $287,000 | 3,151 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $287,000 | 1,943 |
| Total noninterest expense | $1,109,000 | 3,544 |
| Salaries and employee benefits | $634,000 | 3,404 |
| Premises and equipment expense | $239,000 | 2,451 |
| Additional noninterest expense | $236,000 | 4,552 |
| Pre-tax net operating income | $286,000 | 5,115 |
| Securities gains (losses) | $78,000 | 422 |
| Applicable income taxes | $66,000 | 4,377 |
| Income before extraordinary items | $298,000 | 4,389 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $298,000 | 4,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,145 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $234,040 | 5,002 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,281,000 | 4,120 |
| Total interest expense | $1,972,000 | 3,697 |
| Net interest income | $4,309,000 | 4,260 |
| Provision for loan and lease losses | $126,000 | 4,536 |
| Total noninterest income | $1,199,000 | 3,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,199,000 | 1,907 |
| Total noninterest expense | $4,793,000 | 3,244 |
| Salaries and employee benefits | $2,968,000 | 2,867 |
| Premises and equipment expense | $1,003,000 | 2,281 |
| Additional noninterest expense | $822,000 | 4,998 |
| Pre-tax net operating income | $589,000 | 6,423 |
| Securities gains (losses) | $550,000 | 428 |
| Applicable income taxes | $210,000 | 4,693 |
| Income before extraordinary items | $929,000 | 4,884 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $929,000 | 4,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,458 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $478,000 | 6,373 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,629,000 | 4,158 |
| Total interest expense | $1,436,000 | 3,738 |
| Net interest income | $3,193,000 | 4,291 |
| Provision for loan and lease losses | $103,000 | 4,224 |
| Total noninterest income | $899,000 | 3,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $899,000 | 1,918 |
| Total noninterest expense | $3,583,000 | 3,231 |
| Salaries and employee benefits | $2,236,000 | 2,827 |
| Premises and equipment expense | $761,000 | 2,261 |
| Additional noninterest expense | $586,000 | 5,114 |
| Pre-tax net operating income | $406,000 | 6,712 |
| Securities gains (losses) | $431,000 | 460 |
| Applicable income taxes | $154,000 | 4,817 |
| Income before extraordinary items | $683,000 | 5,016 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $683,000 | 5,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,248 |
| Cash dividends | $400,000 | 3,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $329,580 | 6,660 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,048,000 | 4,192 |
| Total interest expense | $930,000 | 3,822 |
| Net interest income | $2,118,000 | 4,306 |
| Provision for loan and lease losses | $67,000 | 4,166 |
| Total noninterest income | $606,000 | 3,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $606,000 | 1,911 |
| Total noninterest expense | $2,438,000 | 3,177 |
| Salaries and employee benefits | $1,538,000 | 2,768 |
| Premises and equipment expense | $509,000 | 2,249 |
| Additional noninterest expense | $391,000 | 5,136 |
| Pre-tax net operating income | $219,000 | 7,044 |
| Securities gains (losses) | $300,000 | 485 |
| Applicable income taxes | $96,000 | 4,898 |
| Income before extraordinary items | $423,000 | 5,171 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $423,000 | 5,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $177,000 | 7,027 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 4,260 |
| Total interest expense | $468,000 | 3,851 |
| Net interest income | $1,033,000 | 4,383 |
| Provision for loan and lease losses | $41,000 | 3,702 |
| Total noninterest income | $290,000 | 3,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $290,000 | 1,928 |
| Total noninterest expense | $1,167,000 | 3,303 |
| Salaries and employee benefits | $718,000 | 2,958 |
| Premises and equipment expense | $261,000 | 2,200 |
| Additional noninterest expense | $188,000 | 5,294 |
| Pre-tax net operating income | $115,000 | 6,927 |
| Securities gains (losses) | $141,000 | 646 |
| Applicable income taxes | $52,000 | 4,804 |
| Income before extraordinary items | $204,000 | 5,289 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $204,000 | 5,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $200,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $91,200 | 6,964 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,527,000 | 4,039 |
| Total interest expense | $2,216,000 | 3,689 |
| Net interest income | $4,311,000 | 4,137 |
| Provision for loan and lease losses | $1,397,000 | 869 |
| Total noninterest income | $1,379,000 | 3,007 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,379,000 | 1,935 |
| Total noninterest expense | $4,995,000 | 3,052 |
| Salaries and employee benefits | $3,259,000 | 2,568 |
| Premises and equipment expense | $802,000 | 2,758 |
| Additional noninterest expense | $934,000 | 4,493 |
| Pre-tax net operating income | $-702,000 | 8,896 |
| Securities gains (losses) | $1,213,000 | 411 |
| Applicable income taxes | $94,000 | 5,781 |
| Income before extraordinary items | $417,000 | 6,734 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $417,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,349,000 | 725 |
| Cash dividends | $200,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-577,660 | 8,874 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,987,000 | 4,040 |
| Total interest expense | $1,727,000 | 3,681 |
| Net interest income | $3,260,000 | 4,127 |
| Provision for loan and lease losses | $591,000 | 1,433 |
| Total noninterest income | $1,055,000 | 3,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,055,000 | 1,974 |
| Total noninterest expense | $3,696,000 | 3,078 |
| Salaries and employee benefits | $2,426,000 | 2,598 |
| Premises and equipment expense | $577,000 | 2,865 |
| Additional noninterest expense | $693,000 | 4,503 |
| Pre-tax net operating income | $28,000 | 8,538 |
| Securities gains (losses) | $1,090,000 | 420 |
| Applicable income taxes | $206,000 | 4,604 |
| Income before extraordinary items | $912,000 | 4,251 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $912,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,805 |
| Cash dividends | $200,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $18,200 | 8,565 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,386,000 | 4,024 |
| Total interest expense | $1,198,000 | 3,669 |
| Net interest income | $2,188,000 | 4,108 |
| Provision for loan and lease losses | $350,000 | 1,581 |
| Total noninterest income | $701,000 | 3,012 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $701,000 | 1,963 |
| Total noninterest expense | $2,456,000 | 3,091 |
| Salaries and employee benefits | $1,588,000 | 2,647 |
| Premises and equipment expense | $376,000 | 2,917 |
| Additional noninterest expense | $492,000 | 4,298 |
| Pre-tax net operating income | $83,000 | 8,135 |
| Securities gains (losses) | $734,000 | 456 |
| Applicable income taxes | $148,000 | 4,513 |
| Income before extraordinary items | $669,000 | 3,989 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $669,000 | 3,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 1,469 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $67,120 | 8,113 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,738,000 | 3,946 |
| Total interest expense | $621,000 | 3,644 |
| Net interest income | $1,117,000 | 4,048 |
| Provision for loan and lease losses | $74,000 | 3,005 |
| Total noninterest income | $346,000 | 2,932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $346,000 | 1,919 |
| Total noninterest expense | $1,274,000 | 2,989 |
| Salaries and employee benefits | $840,000 | 2,507 |
| Premises and equipment expense | $180,000 | 3,019 |
| Additional noninterest expense | $254,000 | 4,153 |
| Pre-tax net operating income | $115,000 | 6,969 |
| Securities gains (losses) | $325,000 | 486 |
| Applicable income taxes | $78,000 | 4,407 |
| Income before extraordinary items | $362,000 | 3,720 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $362,000 | 3,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 1,890 |
| Cash dividends | $200,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $95,500 | 6,836 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,027,000 | 3,633 |
| Total interest expense | $3,071,000 | 3,480 |
| Net interest income | $4,956,000 | 3,705 |
| Provision for loan and lease losses | $-49,000 | 9,228 |
| Total noninterest income | $-1,063,000 | 9,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-1,063,000 | 9,354 |
| Total noninterest expense | $5,818,000 | 2,540 |
| Salaries and employee benefits | $3,171,000 | 2,490 |
| Premises and equipment expense | $769,000 | 2,763 |
| Additional noninterest expense | $1,878,000 | 2,454 |
| Pre-tax net operating income | $-1,876,000 | 9,242 |
| Securities gains (losses) | $845,000 | 473 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-1,031,000 | 9,187 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,031,000 | 9,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 9,172 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,876,000 | 9,245 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,859,000 | 3,086 |
| Total interest expense | $5,549,000 | 2,867 |
| Net interest income | $5,310,000 | 3,270 |
| Provision for loan and lease losses | $2,231,000 | 642 |
| Total noninterest income | $-2,000 | 9,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $-2,000 | 9,560 |
| Total noninterest expense | $5,954,000 | 2,393 |
| Salaries and employee benefits | $3,087,000 | 2,440 |
| Premises and equipment expense | $860,000 | 2,459 |
| Additional noninterest expense | $2,007,000 | 2,232 |
| Pre-tax net operating income | $-2,877,000 | 9,524 |
| Securities gains (losses) | $845,000 | 444 |
| Applicable income taxes | $-213,000 | 9,385 |
| Income before extraordinary items | $-1,819,000 | 9,508 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,819,000 | 9,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,775,000 | 377 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-2,579,500 | 9,526 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,049,000 | 2,891 |
| Total interest expense | $7,054,000 | 2,396 |
| Net interest income | $4,995,000 | 3,472 |
| Provision for loan and lease losses | $2,150,000 | 576 |
| Total noninterest income | $799,000 | 3,661 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $799,000 | 2,152 |
| Total noninterest expense | $6,059,000 | 2,261 |
| Salaries and employee benefits | $3,099,000 | 2,304 |
| Premises and equipment expense | $890,000 | 2,327 |
| Additional noninterest expense | $2,070,000 | 2,096 |
| Pre-tax net operating income | $-2,415,000 | 9,835 |
| Securities gains (losses) | $101,000 | 568 |
| Applicable income taxes | $-787,000 | 9,829 |
| Income before extraordinary items | $-1,527,000 | 9,796 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,527,000 | 9,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,724 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-1,593,660 | 9,804 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,133,000 | 2,680 |
| Total interest expense | $6,070,000 | 2,428 |
| Net interest income | $6,063,000 | 2,904 |
| Provision for loan and lease losses | $222,000 | 3,341 |
| Total noninterest income | $2,256,000 | 1,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,256,000 | 1,054 |
| Total noninterest expense | $5,478,000 | 2,471 |
| Salaries and employee benefits | $3,130,000 | 2,243 |
| Premises and equipment expense | $934,000 | 2,188 |
| Additional noninterest expense | $1,414,000 | 3,008 |
| Pre-tax net operating income | $2,619,000 | 2,699 |
| Securities gains (losses) | $-86,000 | 9,929 |
| Applicable income taxes | $878,000 | 2,435 |
| Income before extraordinary items | $1,655,000 | 3,001 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,655,000 | 3,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 2,985 |
| Cash dividends | $600,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,710,900 | 2,892 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,237,000 | 2,871 |
| Total interest expense | $5,788,000 | 2,619 |
| Net interest income | $5,449,000 | 3,150 |
| Provision for loan and lease losses | $3,492,000 | 413 |
| Total noninterest income | $2,210,000 | 1,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,210,000 | 1,087 |
| Total noninterest expense | $4,570,000 | 2,833 |
| Salaries and employee benefits | $2,615,000 | 2,588 |
| Premises and equipment expense | $945,000 | 2,060 |
| Additional noninterest expense | $1,010,000 | 3,925 |
| Pre-tax net operating income | $-403,000 | 10,143 |
| Securities gains (losses) | $48,000 | 1,766 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-355,000 | 10,161 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-355,000 | 10,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,669,000 | 337 |
| Cash dividends | $730,000 | 2,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-403,000 | 10,161 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,778,000 | 3,012 |
| Total interest expense | $5,874,000 | 2,538 |
| Net interest income | $4,904,000 | 3,550 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $2,170,000 | 1,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,170,000 | 1,039 |
| Total noninterest expense | $4,775,000 | 2,682 |
| Salaries and employee benefits | $2,516,000 | 2,622 |
| Premises and equipment expense | $881,000 | 2,231 |
| Additional noninterest expense | $1,378,000 | 2,956 |
| Pre-tax net operating income | $2,179,000 | 3,269 |
| Securities gains (losses) | $125,000 | 890 |
| Applicable income taxes | $193,000 | 6,975 |
| Income before extraordinary items | $2,111,000 | 2,461 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,111,000 | 2,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,858 |
| Cash dividends | $491,000 | 3,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,996,000 | 2,546 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,960,000 | 3,288 |
| Total interest expense | $5,509,000 | 2,764 |
| Net interest income | $4,451,000 | 3,927 |
| Provision for loan and lease losses | $420,000 | 2,004 |
| Total noninterest income | $2,109,000 | 1,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,109,000 | 1,114 |
| Total noninterest expense | $4,781,000 | 2,859 |
| Salaries and employee benefits | $2,666,000 | 2,500 |
| Premises and equipment expense | $850,000 | 2,319 |
| Additional noninterest expense | $1,265,000 | 3,616 |
| Pre-tax net operating income | $1,359,000 | 4,685 |
| Securities gains (losses) | $-139,000 | 11,260 |
| Applicable income taxes | $-192,000 | 11,262 |
| Income before extraordinary items | $1,412,000 | 3,383 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,412,000 | 3,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $750,000 | 1,062 |
| Cash dividends | $175,000 | 5,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,551,000 | 3,059 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,290,000 | 3,513 |
| Total interest expense | $5,726,000 | 2,684 |
| Net interest income | $3,564,000 | 4,787 |
| Provision for loan and lease losses | $114,000 | 4,327 |
| Total noninterest income | $3,516,000 | 1,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $3,516,000 | 815 |
| Total noninterest expense | $5,368,000 | 2,531 |
| Salaries and employee benefits | $2,339,000 | 2,855 |
| Premises and equipment expense | $946,000 | 2,119 |
| Additional noninterest expense | $2,083,000 | 2,317 |
| Pre-tax net operating income | $1,598,000 | 4,233 |
| Securities gains (losses) | $121,000 | 875 |
| Applicable income taxes | $-28,000 | 11,582 |
| Income before extraordinary items | $1,747,000 | 2,820 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,747,000 | 2,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-95,000 | 11,703 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,626,000 | 2,985 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,009,000 | 3,727 |
| Total interest expense | $4,908,000 | 2,504 |
| Net interest income | $3,101,000 | 5,476 |
| Provision for loan and lease losses | $540,000 | 1,448 |
| Total noninterest income | $3,442,000 | 1,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,442,000 | 806 |
| Total noninterest expense | $5,285,000 | 2,633 |
| Salaries and employee benefits | $2,526,000 | 2,639 |
| Premises and equipment expense | $920,000 | 2,192 |
| Additional noninterest expense | $1,839,000 | 2,772 |
| Pre-tax net operating income | $718,000 | 7,293 |
| Securities gains (losses) | $14,000 | 2,006 |
| Applicable income taxes | $-134,000 | 12,342 |
| Income before extraordinary items | $866,000 | 5,049 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $866,000 | 5,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,997,000 | 12,592 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $852,000 | 5,156 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,216,000 | 3,718 |
| Total interest expense | $5,545,000 | 2,336 |
| Net interest income | $2,671,000 | 6,218 |
| Provision for loan and lease losses | $-339,000 | 13,120 |
| Total noninterest income | $3,547,000 | 1,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,547,000 | 857 |
| Total noninterest expense | $6,240,000 | 2,307 |
| Salaries and employee benefits | $2,527,000 | 2,614 |
| Premises and equipment expense | $864,000 | 2,368 |
| Additional noninterest expense | $2,849,000 | 1,994 |
| Pre-tax net operating income | $317,000 | 10,102 |
| Securities gains (losses) | $124,000 | 2,209 |
| Applicable income taxes | $23,000 | 11,542 |
| Income before extraordinary items | $418,000 | 8,256 |
| Extraordinary gains, net | $333,000 | 643 |
| Net income | $751,000 | 5,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-353,000 | 13,197 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $300,200 | 9,213 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,601,000 | 3,029 |
| Total interest expense | $7,816,000 | 2,178 |
| Net interest income | $3,785,000 | 4,678 |
| Provision for loan and lease losses | $2,762,000 | 896 |
| Total noninterest income | $2,687,000 | 1,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,687,000 | 1,035 |
| Total noninterest expense | $4,996,000 | 2,873 |
| Salaries and employee benefits | $2,143,000 | 3,011 |
| Premises and equipment expense | $1,151,000 | 1,835 |
| Additional noninterest expense | $1,702,000 | 3,207 |
| Pre-tax net operating income | $-1,286,000 | 13,536 |
| Securities gains (losses) | $448,000 | 1,170 |
| Applicable income taxes | $-196,000 | 13,647 |
| Income before extraordinary items | $-642,000 | 13,439 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-642,000 | 13,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,087,000 | 717 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $304,000 | 651 |
| Net operating income | $-986,960 | 13,476 |
* 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.