Home > First Signature Bank and Trust Company > Income and Expense
First Signature Bank and Trust Company, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,007,000 | 1,516 |
| Total interest expense | $14,656,000 | 779 |
| Net interest income | $7,351,000 | 2,914 |
| Provision for loan and lease losses | $-11,000 | 8,499 |
| Total noninterest income | $201,000 | 7,059 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $0 | 7,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $201,000 | 5,145 |
| Total noninterest expense | $5,101,000 | 3,182 |
| Salaries and employee benefits | $2,325,000 | 3,686 |
| Premises and equipment expense | $993,000 | 2,381 |
| Additional noninterest expense | $1,783,000 | 2,779 |
| Pre-tax net operating income | $2,462,000 | 3,193 |
| Securities gains (losses) | $177,000 | 533 |
| Applicable income taxes | $992,000 | 2,272 |
| Income before extraordinary items | $1,647,000 | 3,562 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,647,000 | 3,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,108 |
| Cash dividends | $1,300,000 | 2,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,533,720 | 3,701 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,978,000 | 1,523 |
| Total interest expense | $10,389,000 | 773 |
| Net interest income | $5,589,000 | 2,859 |
| Provision for loan and lease losses | $24,000 | 6,042 |
| Total noninterest income | $499,000 | 4,547 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $499,000 | 2,887 |
| Total noninterest expense | $3,332,000 | 3,540 |
| Salaries and employee benefits | $1,635,000 | 3,852 |
| Premises and equipment expense | $483,000 | 3,435 |
| Additional noninterest expense | $1,214,000 | 3,012 |
| Pre-tax net operating income | $2,732,000 | 2,402 |
| Securities gains (losses) | $67,000 | 792 |
| Applicable income taxes | $1,121,000 | 1,735 |
| Income before extraordinary items | $1,678,000 | 2,862 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,678,000 | 2,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,913 |
| Cash dividends | $972,000 | 1,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,635,120 | 2,881 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,200,000 | 1,565 |
| Total interest expense | $6,472,000 | 775 |
| Net interest income | $3,728,000 | 2,827 |
| Provision for loan and lease losses | $11,000 | 6,083 |
| Total noninterest income | $284,000 | 4,930 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $0 | 7,790 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $284,000 | 3,169 |
| Total noninterest expense | $2,166,000 | 3,594 |
| Salaries and employee benefits | $1,121,000 | 3,757 |
| Premises and equipment expense | $239,000 | 4,272 |
| Additional noninterest expense | $806,000 | 3,001 |
| Pre-tax net operating income | $1,835,000 | 2,338 |
| Securities gains (losses) | $-33,000 | 8,503 |
| Applicable income taxes | $721,000 | 1,752 |
| Income before extraordinary items | $1,081,000 | 2,919 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,081,000 | 2,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,846 |
| Cash dividends | $645,000 | 1,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,102,120 | 2,828 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,866,000 | 1,610 |
| Total interest expense | $3,024,000 | 790 |
| Net interest income | $1,842,000 | 2,860 |
| Provision for loan and lease losses | $-3,000 | 8,690 |
| Total noninterest income | $304,000 | 3,026 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $0 | 7,845 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $304,000 | 1,880 |
| Total noninterest expense | $1,089,000 | 3,598 |
| Salaries and employee benefits | $586,000 | 3,636 |
| Premises and equipment expense | $116,000 | 4,396 |
| Additional noninterest expense | $387,000 | 3,106 |
| Pre-tax net operating income | $1,060,000 | 2,065 |
| Securities gains (losses) | $-11,000 | 8,547 |
| Applicable income taxes | $419,000 | 1,558 |
| Income before extraordinary items | $630,000 | 2,515 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $630,000 | 2,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $321,000 | 1,669 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $637,040 | 2,447 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,067,000 | 2,380 |
| Total interest expense | $6,649,000 | 1,233 |
| Net interest income | $5,418,000 | 3,573 |
| Provision for loan and lease losses | $73,000 | 5,442 |
| Total noninterest income | $773,000 | 4,142 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,000 | 7,877 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $772,000 | 2,557 |
| Total noninterest expense | $4,230,000 | 3,577 |
| Salaries and employee benefits | $2,047,000 | 3,923 |
| Premises and equipment expense | $518,000 | 3,976 |
| Additional noninterest expense | $1,665,000 | 2,860 |
| Pre-tax net operating income | $1,888,000 | 3,648 |
| Securities gains (losses) | $18,000 | 2,469 |
| Applicable income taxes | $740,000 | 2,658 |
| Income before extraordinary items | $1,166,000 | 4,280 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,166,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,810 |
| Cash dividends | $1,304,000 | 1,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,154,480 | 4,230 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,798,000 | 2,702 |
| Total interest expense | $4,095,000 | 1,481 |
| Net interest income | $3,703,000 | 3,829 |
| Provision for loan and lease losses | $58,000 | 5,208 |
| Total noninterest income | $542,000 | 4,327 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $0 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $542,000 | 2,671 |
| Total noninterest expense | $3,198,000 | 3,526 |
| Salaries and employee benefits | $1,567,000 | 3,829 |
| Premises and equipment expense | $393,000 | 3,928 |
| Additional noninterest expense | $1,238,000 | 2,849 |
| Pre-tax net operating income | $989,000 | 4,639 |
| Securities gains (losses) | $18,000 | 2,374 |
| Applicable income taxes | $381,000 | 3,388 |
| Income before extraordinary items | $626,000 | 5,256 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $626,000 | 5,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,331 |
| Cash dividends | $976,000 | 1,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $614,480 | 5,220 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,582,000 | 3,014 |
| Total interest expense | $2,348,000 | 1,697 |
| Net interest income | $2,234,000 | 4,138 |
| Provision for loan and lease losses | $29,000 | 5,552 |
| Total noninterest income | $593,000 | 3,196 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $0 | 7,979 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $593,000 | 1,939 |
| Total noninterest expense | $2,223,000 | 3,446 |
| Salaries and employee benefits | $1,135,000 | 3,599 |
| Premises and equipment expense | $262,000 | 3,931 |
| Additional noninterest expense | $826,000 | 2,858 |
| Pre-tax net operating income | $575,000 | 4,936 |
| Securities gains (losses) | $19,000 | 2,067 |
| Applicable income taxes | $219,000 | 3,608 |
| Income before extraordinary items | $375,000 | 5,490 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $375,000 | 5,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,529 |
| Cash dividends | $648,000 | 1,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $362,840 | 5,495 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,086,000 | 3,269 |
| Total interest expense | $1,075,000 | 1,860 |
| Net interest income | $1,011,000 | 4,438 |
| Provision for loan and lease losses | $11,000 | 5,558 |
| Total noninterest income | $187,000 | 4,209 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $0 | 7,976 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $187,000 | 2,589 |
| Total noninterest expense | $1,318,000 | 2,943 |
| Salaries and employee benefits | $623,000 | 3,354 |
| Premises and equipment expense | $130,000 | 3,989 |
| Additional noninterest expense | $565,000 | 2,100 |
| Pre-tax net operating income | $-131,000 | 8,836 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-65,000 | 8,994 |
| Income before extraordinary items | $-66,000 | 8,780 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-66,000 | 8,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $324,000 | 1,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-66,000 | 8,749 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,384,000 | 6,139 |
| Total interest expense | $961,000 | 6,229 |
| Net interest income | $2,423,000 | 6,009 |
| Provision for loan and lease losses | $48,000 | 6,339 |
| Total noninterest income | $810,000 | 4,201 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,000 | 8,036 |
| Trading account gains and fees | $-23,000 | 9,147 |
| Additional Noninterest Income | $832,000 | 2,675 |
| Total noninterest expense | $3,206,000 | 4,404 |
| Salaries and employee benefits | $1,872,000 | 4,137 |
| Premises and equipment expense | $516,000 | 3,972 |
| Additional noninterest expense | $818,000 | 4,973 |
| Pre-tax net operating income | $-21,000 | 8,567 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-68,000 | 8,895 |
| Income before extraordinary items | $47,000 | 8,464 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $47,000 | 8,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,935 |
| Cash dividends | $80,000 | 5,694 |
| Sale, conversion, retirement of capital stock, net | $13,000,000 | 54 |
| Net operating income | $47,000 | 8,365 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 6,766 |
| Total interest expense | $352,000 | 8,005 |
| Net interest income | $1,792,000 | 6,066 |
| Provision for loan and lease losses | $44,000 | 6,042 |
| Total noninterest income | $666,000 | 4,046 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,000 | 8,088 |
| Trading account gains and fees | $15,000 | 143 |
| Additional Noninterest Income | $650,000 | 2,692 |
| Total noninterest expense | $2,426,000 | 4,362 |
| Salaries and employee benefits | $1,464,000 | 4,000 |
| Premises and equipment expense | $388,000 | 3,947 |
| Additional noninterest expense | $574,000 | 5,175 |
| Pre-tax net operating income | $-12,000 | 8,664 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-55,000 | 9,025 |
| Income before extraordinary items | $43,000 | 8,551 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $43,000 | 8,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,239 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $43,000 | 8,446 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,624,000 | 6,376 |
| Total interest expense | $245,000 | 8,041 |
| Net interest income | $1,379,000 | 5,608 |
| Provision for loan and lease losses | $40,000 | 5,444 |
| Total noninterest income | $440,000 | 4,031 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,000 | 8,110 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $439,000 | 2,646 |
| Total noninterest expense | $1,632,000 | 4,329 |
| Salaries and employee benefits | $995,000 | 3,930 |
| Premises and equipment expense | $263,000 | 3,880 |
| Additional noninterest expense | $374,000 | 5,242 |
| Pre-tax net operating income | $147,000 | 7,625 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $23,000 | 6,516 |
| Income before extraordinary items | $124,000 | 7,707 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $124,000 | 7,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,471 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $124,000 | 7,530 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,003,000 | 5,761 |
| Total interest expense | $130,000 | 8,040 |
| Net interest income | $873,000 | 4,791 |
| Provision for loan and lease losses | $13,000 | 5,878 |
| Total noninterest income | $201,000 | 4,157 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 8,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $201,000 | 2,713 |
| Total noninterest expense | $884,000 | 4,048 |
| Salaries and employee benefits | $535,000 | 3,695 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $213,000 | 4,739 |
| Pre-tax net operating income | $177,000 | 6,129 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $53,000 | 5,018 |
| Income before extraordinary items | $124,000 | 6,487 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $124,000 | 6,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $124,000 | 6,311 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,974,000 | 5,920 |
| Total interest expense | $709,000 | 7,794 |
| Net interest income | $3,265,000 | 4,994 |
| Provision for loan and lease losses | $32,000 | 7,161 |
| Total noninterest income | $936,000 | 3,625 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,000 | 8,184 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $935,000 | 2,277 |
| Total noninterest expense | $3,097,000 | 4,355 |
| Salaries and employee benefits | $1,842,000 | 4,005 |
| Premises and equipment expense | $512,000 | 3,876 |
| Additional noninterest expense | $743,000 | 5,191 |
| Pre-tax net operating income | $1,072,000 | 5,034 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $340,000 | 4,220 |
| Income before extraordinary items | $732,000 | 5,435 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $732,000 | 5,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,210 |
| Cash dividends | $1,100,000 | 2,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $732,000 | 5,296 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,415,000 | 4,269 |
| Total interest expense | $2,810,000 | 4,976 |
| Net interest income | $4,605,000 | 3,673 |
| Provision for loan and lease losses | $-28,000 | 9,481 |
| Total noninterest income | $856,000 | 3,681 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,000 | 8,339 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $853,000 | 2,292 |
| Total noninterest expense | $3,447,000 | 3,866 |
| Salaries and employee benefits | $2,148,000 | 3,383 |
| Premises and equipment expense | $538,000 | 3,671 |
| Additional noninterest expense | $761,000 | 4,964 |
| Pre-tax net operating income | $2,042,000 | 3,130 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $723,000 | 2,613 |
| Income before extraordinary items | $1,319,000 | 3,547 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,319,000 | 3,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,205 |
| Cash dividends | $1,500,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,319,000 | 3,458 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,656,000 | 2,966 |
| Total interest expense | $6,101,000 | 2,743 |
| Net interest income | $5,555,000 | 3,166 |
| Provision for loan and lease losses | $-41,000 | 9,752 |
| Total noninterest income | $868,000 | 3,479 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $3,000 | 8,541 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $865,000 | 2,045 |
| Total noninterest expense | $3,416,000 | 3,787 |
| Salaries and employee benefits | $2,164,000 | 3,241 |
| Premises and equipment expense | $502,000 | 3,777 |
| Additional noninterest expense | $750,000 | 4,937 |
| Pre-tax net operating income | $3,048,000 | 2,363 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $1,102,000 | 1,963 |
| Income before extraordinary items | $1,945,000 | 2,639 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,945,000 | 2,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,825 |
| Cash dividends | $1,500,000 | 1,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,945,640 | 2,634 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,432,000 | 3,403 |
| Total interest expense | $5,506,000 | 2,684 |
| Net interest income | $3,926,000 | 4,251 |
| Provision for loan and lease losses | $116,000 | 4,933 |
| Total noninterest income | $908,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,000 | 8,816 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $906,000 | 2,001 |
| Total noninterest expense | $3,062,000 | 4,142 |
| Salaries and employee benefits | $1,819,000 | 3,707 |
| Premises and equipment expense | $471,000 | 3,979 |
| Additional noninterest expense | $772,000 | 4,921 |
| Pre-tax net operating income | $1,656,000 | 3,836 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $550,000 | 3,424 |
| Income before extraordinary items | $1,106,000 | 4,121 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,106,000 | 4,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,057 |
| Cash dividends | $1,800,000 | 1,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,106,000 | 4,083 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,863,000 | 3,272 |
| Total interest expense | $6,212,000 | 2,431 |
| Net interest income | $3,651,000 | 4,433 |
| Provision for loan and lease losses | $94,000 | 5,266 |
| Total noninterest income | $890,000 | 3,342 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $888,000 | 2,024 |
| Total noninterest expense | $3,173,000 | 3,917 |
| Salaries and employee benefits | $1,791,000 | 3,684 |
| Premises and equipment expense | $518,000 | 3,583 |
| Additional noninterest expense | $864,000 | 4,424 |
| Pre-tax net operating income | $1,274,000 | 4,694 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $364,000 | 4,673 |
| Income before extraordinary items | $910,000 | 4,792 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $910,000 | 4,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,262 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $910,000 | 4,699 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,826,000 | 3,288 |
| Total interest expense | $6,413,000 | 2,342 |
| Net interest income | $3,413,000 | 4,820 |
| Provision for loan and lease losses | $365,000 | 2,234 |
| Total noninterest income | $959,000 | 3,135 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $2,000 | 9,432 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $957,000 | 1,788 |
| Total noninterest expense | $2,800,000 | 4,336 |
| Salaries and employee benefits | $1,706,000 | 3,826 |
| Premises and equipment expense | $467,000 | 3,928 |
| Additional noninterest expense | $627,000 | 5,638 |
| Pre-tax net operating income | $1,207,000 | 5,231 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $369,000 | 5,138 |
| Income before extraordinary items | $838,000 | 5,303 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $838,000 | 5,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 1,975 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $838,000 | 5,246 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,495,000 | 3,434 |
| Total interest expense | $5,961,000 | 2,568 |
| Net interest income | $3,534,000 | 4,794 |
| Provision for loan and lease losses | $141,000 | 4,225 |
| Total noninterest income | $804,000 | 3,693 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $2,000 | 9,861 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $802,000 | 2,099 |
| Total noninterest expense | $2,760,000 | 4,615 |
| Salaries and employee benefits | $1,598,000 | 4,073 |
| Premises and equipment expense | $454,000 | 4,079 |
| Additional noninterest expense | $708,000 | 5,698 |
| Pre-tax net operating income | $1,437,000 | 4,495 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $425,000 | 4,702 |
| Income before extraordinary items | $1,012,000 | 4,452 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,012,000 | 4,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 2,299 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,012,000 | 4,397 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,378,000 | 3,483 |
| Total interest expense | $5,912,000 | 2,595 |
| Net interest income | $3,466,000 | 4,912 |
| Provision for loan and lease losses | $360,000 | 2,012 |
| Total noninterest income | $719,000 | 3,995 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,000 | 10,293 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $717,000 | 2,251 |
| Total noninterest expense | $2,766,000 | 4,572 |
| Salaries and employee benefits | $1,298,000 | 4,865 |
| Premises and equipment expense | $473,000 | 3,934 |
| Additional noninterest expense | $995,000 | 4,367 |
| Pre-tax net operating income | $1,059,000 | 5,751 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $320,000 | 5,779 |
| Income before extraordinary items | $739,000 | 5,765 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $739,000 | 5,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 1,821 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $739,000 | 5,743 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,596,000 | 3,921 |
| Total interest expense | $4,334,000 | 2,829 |
| Net interest income | $3,262,000 | 5,247 |
| Provision for loan and lease losses | $282,000 | 2,389 |
| Total noninterest income | $555,000 | 4,924 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,000 | 10,846 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $554,000 | 2,751 |
| Total noninterest expense | $2,703,000 | 4,825 |
| Salaries and employee benefits | $1,176,000 | 5,338 |
| Premises and equipment expense | $427,000 | 4,344 |
| Additional noninterest expense | $1,100,000 | 4,354 |
| Pre-tax net operating income | $832,000 | 6,714 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $216,000 | 7,080 |
| Income before extraordinary items | $616,000 | 6,419 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $616,000 | 6,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 1,651 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $616,000 | 6,489 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,851,000 | 5,059 |
| Total interest expense | $2,932,000 | 4,196 |
| Net interest income | $2,919,000 | 5,771 |
| Provision for loan and lease losses | $307,000 | 2,932 |
| Total noninterest income | $507,000 | 5,543 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,000 | 11,331 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $506,000 | 3,245 |
| Total noninterest expense | $2,543,000 | 5,194 |
| Salaries and employee benefits | $1,097,000 | 5,658 |
| Premises and equipment expense | $485,000 | 3,974 |
| Additional noninterest expense | $961,000 | 5,100 |
| Pre-tax net operating income | $576,000 | 8,115 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $181,000 | 7,990 |
| Income before extraordinary items | $395,000 | 8,480 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $395,000 | 8,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $726,000 | 1,407 |
| Cash dividends | $30,229,000 | 128 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $395,000 | 8,205 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,546,000 | 1,488 |
| Total interest expense | $10,413,000 | 1,664 |
| Net interest income | $14,133,000 | 1,312 |
| Provision for loan and lease losses | $3,869,000 | 698 |
| Total noninterest income | $31,554,000 | 286 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $1,000 | 11,741 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $31,553,000 | 190 |
| Total noninterest expense | $13,072,000 | 1,219 |
| Salaries and employee benefits | $4,616,000 | 1,439 |
| Premises and equipment expense | $2,778,000 | 855 |
| Additional noninterest expense | $5,678,000 | 1,177 |
| Pre-tax net operating income | $28,746,000 | 256 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $10,756,000 | 255 |
| Income before extraordinary items | $17,990,000 | 298 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $17,990,000 | 299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,642,000 | 484 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $17,990,000 | 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.