Home > First State Bank of Hill County > Income and Expense
First State Bank of Hill County, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $619,000 | 8,500 |
| Total interest expense | $142,000 | 8,488 |
| Net interest income | $477,000 | 8,453 |
| Provision for loan and lease losses | $9,000 | 6,548 |
| Total noninterest income | $55,000 | 8,250 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 7,198 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $21,000 | 7,938 |
| Total noninterest expense | $433,000 | 8,446 |
| Salaries and employee benefits | $211,000 | 8,527 |
| Premises and equipment expense | $58,000 | 8,147 |
| Additional noninterest expense | $164,000 | 8,117 |
| Pre-tax net operating income | $90,000 | 8,056 |
| Securities gains (losses) | $-53,000 | 8,497 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $37,000 | 8,240 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $37,000 | 8,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $90,000 | 7,981 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $12,000 | 8,862 |
| Total interest expense | $2,000 | 8,841 |
| Net interest income | $10,000 | 8,860 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,000 | 8,790 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,000 | 7,756 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $0 | 8,721 |
| Total noninterest expense | $2,000 | 8,865 |
| Salaries and employee benefits | $2,000 | 8,843 |
| Premises and equipment expense | $0 | 8,833 |
| Additional noninterest expense | $0 | 8,864 |
| Pre-tax net operating income | $9,000 | 8,322 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $9,000 | 8,341 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $9,000 | 8,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $9,000 | 8,311 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $206,000 | 8,586 |
| Total interest expense | $45,000 | 8,550 |
| Net interest income | $161,000 | 8,539 |
| Provision for loan and lease losses | $3,000 | 5,957 |
| Total noninterest income | $23,000 | 8,065 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $150,000 | 8,476 |
| Salaries and employee benefits | $75,000 | 8,552 |
| Premises and equipment expense | $20,000 | 8,171 |
| Additional noninterest expense | $55,000 | 8,158 |
| Pre-tax net operating income | $31,000 | 8,132 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $31,000 | 8,075 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $31,000 | 8,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $31,000 | 8,047 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $668,000 | 8,658 |
| Total interest expense | $197,000 | 8,475 |
| Net interest income | $471,000 | 8,666 |
| Provision for loan and lease losses | $12,000 | 6,941 |
| Total noninterest income | $194,000 | 7,201 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $180,000 | 5,427 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $14,000 | 8,404 |
| Total noninterest expense | $605,000 | 8,509 |
| Salaries and employee benefits | $301,000 | 8,599 |
| Premises and equipment expense | $91,000 | 8,085 |
| Additional noninterest expense | $213,000 | 8,238 |
| Pre-tax net operating income | $48,000 | 8,255 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $48,000 | 8,292 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $48,000 | 8,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,102 |
| Cash dividends | $25,000 | 6,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $48,000 | 8,250 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $498,000 | 8,715 |
| Total interest expense | $151,000 | 8,510 |
| Net interest income | $347,000 | 8,732 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $148,000 | 7,214 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $143,000 | 5,373 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,000 | 8,693 |
| Total noninterest expense | $441,000 | 8,537 |
| Salaries and employee benefits | $226,000 | 8,613 |
| Premises and equipment expense | $57,000 | 8,268 |
| Additional noninterest expense | $158,000 | 8,257 |
| Pre-tax net operating income | $45,000 | 8,318 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $45,000 | 8,336 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $45,000 | 8,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $45,000 | 8,292 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $323,000 | 8,780 |
| Total interest expense | $104,000 | 8,549 |
| Net interest income | $219,000 | 8,818 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $97,000 | 7,299 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $92,000 | 5,442 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $5,000 | 8,618 |
| Total noninterest expense | $290,000 | 8,607 |
| Salaries and employee benefits | $151,000 | 8,669 |
| Premises and equipment expense | $34,000 | 8,425 |
| Additional noninterest expense | $105,000 | 8,288 |
| Pre-tax net operating income | $20,000 | 8,418 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $20,000 | 8,456 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,000 | 8,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $20,000 | 8,397 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $157,000 | 8,840 |
| Total interest expense | $54,000 | 8,572 |
| Net interest income | $103,000 | 8,886 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $48,000 | 7,273 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $45,000 | 5,435 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $143,000 | 8,661 |
| Salaries and employee benefits | $75,000 | 8,714 |
| Premises and equipment expense | $16,000 | 8,479 |
| Additional noninterest expense | $52,000 | 8,354 |
| Pre-tax net operating income | $5,000 | 8,491 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $5,000 | 8,530 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $5,000 | 8,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $5,000 | 8,472 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $632,000 | 8,876 |
| Total interest expense | $262,000 | 8,579 |
| Net interest income | $370,000 | 8,936 |
| Provision for loan and lease losses | $12,000 | 7,277 |
| Total noninterest income | $215,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $181,000 | 5,471 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $34,000 | 7,994 |
| Total noninterest expense | $681,000 | 8,491 |
| Salaries and employee benefits | $329,000 | 8,664 |
| Premises and equipment expense | $96,000 | 8,112 |
| Additional noninterest expense | $256,000 | 8,060 |
| Pre-tax net operating income | $-108,000 | 8,642 |
| Securities gains (losses) | $233,000 | 1,229 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $125,000 | 8,106 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $125,000 | 8,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,809 |
| Cash dividends | $125,000 | 5,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-108,000 | 8,653 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $489,000 | 8,950 |
| Total interest expense | $205,000 | 8,648 |
| Net interest income | $284,000 | 9,008 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $143,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $131,000 | 5,584 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,000 | 8,600 |
| Total noninterest expense | $483,000 | 8,576 |
| Salaries and employee benefits | $246,000 | 8,669 |
| Premises and equipment expense | $62,000 | 8,334 |
| Additional noninterest expense | $175,000 | 8,234 |
| Pre-tax net operating income | $-65,000 | 8,735 |
| Securities gains (losses) | $233,000 | 1,141 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $168,000 | 7,797 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $168,000 | 7,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $125,000 | 4,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-65,000 | 8,735 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $327,000 | 8,987 |
| Total interest expense | $141,000 | 8,700 |
| Net interest income | $186,000 | 9,051 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $102,000 | 7,368 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $92,000 | 5,460 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $10,000 | 8,463 |
| Total noninterest expense | $334,000 | 8,556 |
| Salaries and employee benefits | $172,000 | 8,646 |
| Premises and equipment expense | $43,000 | 8,290 |
| Additional noninterest expense | $119,000 | 8,182 |
| Pre-tax net operating income | $-52,000 | 8,772 |
| Securities gains (losses) | $233,000 | 952 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $181,000 | 7,153 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $181,000 | 7,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $125,000 | 4,034 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-52,000 | 8,772 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $172,000 | 9,021 |
| Total interest expense | $72,000 | 8,761 |
| Net interest income | $100,000 | 9,067 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $56,000 | 7,155 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $48,000 | 5,295 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $178,000 | 8,507 |
| Salaries and employee benefits | $96,000 | 8,543 |
| Premises and equipment expense | $23,000 | 8,216 |
| Additional noninterest expense | $59,000 | 8,243 |
| Pre-tax net operating income | $-25,000 | 8,829 |
| Securities gains (losses) | $233,000 | 601 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $208,000 | 5,226 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $208,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-25,000 | 8,796 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $847,000 | 8,964 |
| Total interest expense | $334,000 | 8,824 |
| Net interest income | $513,000 | 8,986 |
| Provision for loan and lease losses | $12,000 | 7,731 |
| Total noninterest income | $251,000 | 6,846 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $243,000 | 4,770 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,967 |
| Total noninterest expense | $640,000 | 8,676 |
| Salaries and employee benefits | $308,000 | 8,866 |
| Premises and equipment expense | $108,000 | 8,064 |
| Additional noninterest expense | $224,000 | 8,377 |
| Pre-tax net operating income | $112,000 | 8,271 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $112,000 | 8,279 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $112,000 | 8,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,176 |
| Cash dividends | $75,000 | 5,758 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $112,000 | 8,178 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $891,000 | 9,219 |
| Total interest expense | $409,000 | 9,154 |
| Net interest income | $482,000 | 9,217 |
| Provision for loan and lease losses | $12,000 | 7,834 |
| Total noninterest income | $245,000 | 6,907 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $202,000 | 5,142 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $43,000 | 7,892 |
| Total noninterest expense | $624,000 | 8,869 |
| Salaries and employee benefits | $284,000 | 9,122 |
| Premises and equipment expense | $99,000 | 8,324 |
| Additional noninterest expense | $241,000 | 8,298 |
| Pre-tax net operating income | $91,000 | 8,370 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $91,000 | 8,394 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $91,000 | 8,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $65,000 | 6,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $91,000 | 8,292 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $833,000 | 9,513 |
| Total interest expense | $379,000 | 9,453 |
| Net interest income | $454,000 | 9,519 |
| Provision for loan and lease losses | $2,000 | 8,255 |
| Total noninterest income | $214,000 | 7,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,421 |
| Total noninterest expense | $557,000 | 9,225 |
| Salaries and employee benefits | $248,000 | 9,467 |
| Premises and equipment expense | $81,000 | 8,764 |
| Additional noninterest expense | $228,000 | 8,527 |
| Pre-tax net operating income | $109,000 | 8,770 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $109,000 | 8,645 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $109,000 | 8,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,683 |
| Cash dividends | $75,000 | 6,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $109,000 | 8,635 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $757,000 | 9,806 |
| Total interest expense | $333,000 | 9,754 |
| Net interest income | $424,000 | 9,793 |
| Provision for loan and lease losses | $4,000 | 8,376 |
| Total noninterest income | $169,000 | 7,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 5,699 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $476,000 | 9,697 |
| Salaries and employee benefits | $233,000 | 9,778 |
| Premises and equipment expense | $54,000 | 9,557 |
| Additional noninterest expense | $189,000 | 9,141 |
| Pre-tax net operating income | $113,000 | 9,010 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $113,000 | 8,875 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $113,000 | 8,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $95,000 | 6,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $113,000 | 8,839 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $723,000 | 10,085 |
| Total interest expense | $301,000 | 10,052 |
| Net interest income | $422,000 | 10,052 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $192,000 | 7,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,620 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 9,338 |
| Total noninterest expense | $446,000 | 9,935 |
| Salaries and employee benefits | $214,000 | 10,046 |
| Premises and equipment expense | $54,000 | 9,724 |
| Additional noninterest expense | $178,000 | 9,367 |
| Pre-tax net operating income | $144,000 | 9,203 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-5,000 | 9,996 |
| Income before extraordinary items | $149,000 | 8,985 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $149,000 | 8,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,908 |
| Cash dividends | $100,000 | 6,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $149,000 | 8,920 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $733,000 | 10,538 |
| Total interest expense | $292,000 | 10,525 |
| Net interest income | $441,000 | 10,501 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $175,000 | 8,204 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,058 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,956 |
| Total noninterest expense | $462,000 | 10,277 |
| Salaries and employee benefits | $218,000 | 10,450 |
| Premises and equipment expense | $54,000 | 10,109 |
| Additional noninterest expense | $190,000 | 9,545 |
| Pre-tax net operating income | $136,000 | 9,917 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $38,000 | 9,437 |
| Income before extraordinary items | $98,000 | 9,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $98,000 | 9,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,011 |
| Cash dividends | $75,000 | 6,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $98,000 | 9,933 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $705,000 | 11,108 |
| Total interest expense | $257,000 | 11,153 |
| Net interest income | $448,000 | 10,998 |
| Provision for loan and lease losses | $7,000 | 8,718 |
| Total noninterest income | $167,000 | 8,742 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 6,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $458,000 | 10,761 |
| Salaries and employee benefits | $218,000 | 10,913 |
| Premises and equipment expense | $50,000 | 10,636 |
| Additional noninterest expense | $190,000 | 10,047 |
| Pre-tax net operating income | $150,000 | 10,080 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $35,000 | 9,947 |
| Income before extraordinary items | $115,000 | 10,093 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $115,000 | 10,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $85,000 | 6,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $115,000 | 10,039 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $657,000 | 11,668 |
| Total interest expense | $265,000 | 11,645 |
| Net interest income | $392,000 | 11,623 |
| Provision for loan and lease losses | $14,000 | 8,034 |
| Total noninterest income | $176,000 | 8,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,528 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,891 |
| Total noninterest expense | $423,000 | 11,352 |
| Salaries and employee benefits | $206,000 | 11,462 |
| Premises and equipment expense | $53,000 | 10,991 |
| Additional noninterest expense | $164,000 | 10,891 |
| Pre-tax net operating income | $131,000 | 10,902 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $36,000 | 10,464 |
| Income before extraordinary items | $95,000 | 10,979 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $95,000 | 10,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,856 |
| Cash dividends | $50,000 | 7,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $95,000 | 10,951 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $605,000 | 12,308 |
| Total interest expense | $210,000 | 12,319 |
| Net interest income | $395,000 | 12,233 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $181,000 | 9,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 6,770 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,043 |
| Total noninterest expense | $439,000 | 11,875 |
| Salaries and employee benefits | $193,000 | 12,108 |
| Premises and equipment expense | $45,000 | 11,810 |
| Additional noninterest expense | $201,000 | 11,141 |
| Pre-tax net operating income | $119,000 | 11,505 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $7,000 | 11,444 |
| Income before extraordinary items | $112,000 | 11,253 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $112,000 | 11,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,413 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $112,000 | 11,300 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $632,000 | 12,903 |
| Total interest expense | $208,000 | 12,969 |
| Net interest income | $424,000 | 12,752 |
| Provision for loan and lease losses | $18,000 | 9,198 |
| Total noninterest income | $178,000 | 9,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,889 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $445,000 | 12,436 |
| Salaries and employee benefits | $200,000 | 12,641 |
| Premises and equipment expense | $64,000 | 11,705 |
| Additional noninterest expense | $181,000 | 12,000 |
| Pre-tax net operating income | $139,000 | 11,563 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $58,000 | 10,749 |
| Income before extraordinary items | $81,000 | 12,004 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $81,000 | 12,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $95,000 | 7,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $81,000 | 11,818 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $748,000 | 13,419 |
| Total interest expense | $312,000 | 13,442 |
| Net interest income | $436,000 | 13,281 |
| Provision for loan and lease losses | $18,000 | 10,694 |
| Total noninterest income | $186,000 | 9,691 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 6,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $447,000 | 12,914 |
| Salaries and employee benefits | $192,000 | 13,237 |
| Premises and equipment expense | $63,000 | 12,143 |
| Additional noninterest expense | $192,000 | 12,342 |
| Pre-tax net operating income | $157,000 | 11,454 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $40,000 | 11,529 |
| Income before extraordinary items | $124,000 | 11,632 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $124,000 | 11,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 7,468 |
| Cash dividends | $60,000 | 7,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $118,680 | 11,380 |
* 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.