Home > First State Bank of Round Lake > Income and Expense
First State Bank of Round Lake, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,330,000 | 4,679 |
| Total interest expense | $1,275,000 | 4,774 |
| Net interest income | $3,055,000 | 4,582 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $483,000 | 4,641 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $313,000 | 3,463 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $170,000 | 4,956 |
| Total noninterest expense | $2,263,000 | 4,718 |
| Salaries and employee benefits | $1,024,000 | 5,345 |
| Premises and equipment expense | $363,000 | 4,258 |
| Additional noninterest expense | $876,000 | 3,898 |
| Pre-tax net operating income | $1,275,000 | 4,161 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $413,000 | 3,268 |
| Income before extraordinary items | $862,000 | 4,561 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $862,000 | 4,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,402 |
| Cash dividends | $400,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $862,000 | 4,524 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,959,000 | 4,548 |
| Total interest expense | $763,000 | 4,909 |
| Net interest income | $2,196,000 | 4,318 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $297,000 | 4,818 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $194,000 | 3,565 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $103,000 | 5,124 |
| Total noninterest expense | $1,507,000 | 4,715 |
| Salaries and employee benefits | $706,000 | 5,224 |
| Premises and equipment expense | $236,000 | 4,311 |
| Additional noninterest expense | $565,000 | 3,984 |
| Pre-tax net operating income | $986,000 | 3,752 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $330,000 | 2,933 |
| Income before extraordinary items | $656,000 | 4,180 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $656,000 | 4,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,409 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $656,000 | 4,123 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,578,000 | 4,320 |
| Total interest expense | $330,000 | 5,223 |
| Net interest income | $1,248,000 | 3,931 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $143,000 | 4,825 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $94,000 | 3,574 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $49,000 | 5,227 |
| Total noninterest expense | $725,000 | 4,869 |
| Salaries and employee benefits | $357,000 | 5,220 |
| Premises and equipment expense | $120,000 | 4,309 |
| Additional noninterest expense | $248,000 | 4,387 |
| Pre-tax net operating income | $666,000 | 2,975 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $231,000 | 2,371 |
| Income before extraordinary items | $435,000 | 3,399 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $435,000 | 3,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,569 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $435,000 | 3,367 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,854,000 | 4,950 |
| Total interest expense | $944,000 | 5,821 |
| Net interest income | $3,910,000 | 4,552 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $685,000 | 4,448 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $403,000 | 3,634 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $282,000 | 4,385 |
| Total noninterest expense | $3,728,000 | 3,965 |
| Salaries and employee benefits | $1,716,000 | 4,488 |
| Premises and equipment expense | $486,000 | 4,179 |
| Additional noninterest expense | $1,526,000 | 3,083 |
| Pre-tax net operating income | $867,000 | 5,594 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $193,000 | 4,800 |
| Income before extraordinary items | $674,000 | 5,686 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $674,000 | 5,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $300,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $674,000 | 5,623 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,507,000 | 5,053 |
| Total interest expense | $611,000 | 6,206 |
| Net interest income | $2,896,000 | 4,590 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $518,000 | 4,430 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $339,000 | 3,378 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $179,000 | 4,730 |
| Total noninterest expense | $2,802,000 | 3,921 |
| Salaries and employee benefits | $1,265,000 | 4,510 |
| Premises and equipment expense | $365,000 | 4,164 |
| Additional noninterest expense | $1,172,000 | 2,998 |
| Pre-tax net operating income | $612,000 | 5,852 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $123,000 | 5,104 |
| Income before extraordinary items | $489,000 | 5,859 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $489,000 | 5,859 |
| 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 | $489,000 | 5,786 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,289,000 | 5,124 |
| Total interest expense | $375,000 | 6,440 |
| Net interest income | $1,914,000 | 4,616 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $334,000 | 4,539 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $212,000 | 3,504 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $122,000 | 4,745 |
| Total noninterest expense | $1,859,000 | 3,976 |
| Salaries and employee benefits | $853,000 | 4,505 |
| Premises and equipment expense | $238,000 | 4,228 |
| Additional noninterest expense | $768,000 | 3,051 |
| Pre-tax net operating income | $389,000 | 5,921 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $76,000 | 5,175 |
| Income before extraordinary items | $313,000 | 5,942 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $313,000 | 5,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $313,000 | 5,850 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 5,202 |
| Total interest expense | $182,000 | 6,586 |
| Net interest income | $938,000 | 4,682 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $163,000 | 4,567 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $105,000 | 3,460 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $58,000 | 4,809 |
| Total noninterest expense | $953,000 | 3,909 |
| Salaries and employee benefits | $462,000 | 4,260 |
| Premises and equipment expense | $117,000 | 4,321 |
| Additional noninterest expense | $374,000 | 3,098 |
| Pre-tax net operating income | $148,000 | 6,468 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $22,000 | 5,705 |
| Income before extraordinary items | $126,000 | 6,407 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $126,000 | 6,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $126,000 | 6,287 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,430,000 | 4,614 |
| Total interest expense | $1,396,000 | 5,104 |
| Net interest income | $4,034,000 | 4,342 |
| Provision for loan and lease losses | $30,000 | 6,766 |
| Total noninterest income | $843,000 | 4,107 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $492,000 | 3,126 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $351,000 | 4,215 |
| Total noninterest expense | $3,987,000 | 3,729 |
| Salaries and employee benefits | $2,050,000 | 3,843 |
| Premises and equipment expense | $503,000 | 4,033 |
| Additional noninterest expense | $1,434,000 | 3,213 |
| Pre-tax net operating income | $860,000 | 5,520 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $215,000 | 4,821 |
| Income before extraordinary items | $645,000 | 5,781 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $645,000 | 5,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,439 |
| Cash dividends | $213,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $645,000 | 5,615 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 4,601 |
| Total interest expense | $1,122,000 | 5,006 |
| Net interest income | $3,032,000 | 4,358 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $672,000 | 4,027 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $379,000 | 3,075 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $293,000 | 4,080 |
| Total noninterest expense | $2,893,000 | 3,805 |
| Salaries and employee benefits | $1,492,000 | 3,938 |
| Premises and equipment expense | $381,000 | 4,009 |
| Additional noninterest expense | $1,020,000 | 3,335 |
| Pre-tax net operating income | $781,000 | 5,198 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $194,000 | 4,694 |
| Income before extraordinary items | $587,000 | 5,454 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $587,000 | 5,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,672 |
| Cash dividends | $107,000 | 4,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $587,000 | 5,267 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,961,000 | 4,427 |
| Total interest expense | $811,000 | 4,884 |
| Net interest income | $2,150,000 | 4,172 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $464,000 | 3,914 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $245,000 | 3,117 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $219,000 | 3,875 |
| Total noninterest expense | $1,946,000 | 3,781 |
| Salaries and employee benefits | $1,067,000 | 3,708 |
| Premises and equipment expense | $241,000 | 4,161 |
| Additional noninterest expense | $638,000 | 3,519 |
| Pre-tax net operating income | $638,000 | 4,666 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $160,000 | 4,394 |
| Income before extraordinary items | $478,000 | 4,917 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $478,000 | 4,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 3,822 |
| Cash dividends | $107,000 | 4,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $478,000 | 4,701 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,602,000 | 4,228 |
| Total interest expense | $409,000 | 4,974 |
| Net interest income | $1,193,000 | 3,843 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $214,000 | 3,997 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $120,000 | 3,077 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $94,000 | 4,045 |
| Total noninterest expense | $931,000 | 3,887 |
| Salaries and employee benefits | $464,000 | 4,130 |
| Premises and equipment expense | $118,000 | 4,220 |
| Additional noninterest expense | $349,000 | 3,200 |
| Pre-tax net operating income | $476,000 | 3,615 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $134,000 | 3,424 |
| Income before extraordinary items | $342,000 | 3,867 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $342,000 | 3,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $342,000 | 3,688 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,041,000 | 4,532 |
| Total interest expense | $1,904,000 | 4,967 |
| Net interest income | $4,137,000 | 4,237 |
| Provision for loan and lease losses | $333,000 | 3,233 |
| Total noninterest income | $1,262,000 | 2,970 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $534,000 | 2,825 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $728,000 | 2,654 |
| Total noninterest expense | $3,884,000 | 3,634 |
| Salaries and employee benefits | $1,989,000 | 3,754 |
| Premises and equipment expense | $505,000 | 3,917 |
| Additional noninterest expense | $1,390,000 | 3,157 |
| Pre-tax net operating income | $1,182,000 | 4,755 |
| Securities gains (losses) | $144,000 | 1,421 |
| Applicable income taxes | $347,000 | 4,175 |
| Income before extraordinary items | $979,000 | 4,659 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $979,000 | 4,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,638 |
| Cash dividends | $217,000 | 4,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $872,440 | 4,830 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,944,000 | 4,996 |
| Total interest expense | $2,415,000 | 5,495 |
| Net interest income | $3,529,000 | 4,528 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $975,000 | 3,405 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $531,000 | 2,698 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $444,000 | 3,336 |
| Total noninterest expense | $3,601,000 | 3,738 |
| Salaries and employee benefits | $1,913,000 | 3,723 |
| Premises and equipment expense | $482,000 | 4,013 |
| Additional noninterest expense | $1,206,000 | 3,483 |
| Pre-tax net operating income | $843,000 | 5,350 |
| Securities gains (losses) | $224,000 | 1,100 |
| Applicable income taxes | $263,000 | 4,527 |
| Income before extraordinary items | $804,000 | 4,853 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $804,000 | 4,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,750 |
| Cash dividends | $201,000 | 4,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $636,000 | 5,348 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,204,000 | 4,964 |
| Total interest expense | $2,943,000 | 4,993 |
| Net interest income | $3,261,000 | 4,858 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $926,000 | 3,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $524,000 | 2,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $402,000 | 3,331 |
| Total noninterest expense | $3,710,000 | 3,533 |
| Salaries and employee benefits | $1,989,000 | 3,482 |
| Premises and equipment expense | $488,000 | 3,862 |
| Additional noninterest expense | $1,233,000 | 3,341 |
| Pre-tax net operating income | $477,000 | 7,112 |
| Securities gains (losses) | $27,000 | 874 |
| Applicable income taxes | $77,000 | 6,833 |
| Income before extraordinary items | $427,000 | 6,694 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $427,000 | 6,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,923 |
| Cash dividends | $182,000 | 5,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $404,050 | 6,836 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,769,000 | 5,082 |
| Total interest expense | $2,717,000 | 4,950 |
| Net interest income | $3,052,000 | 5,104 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $786,000 | 3,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $493,000 | 2,669 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $293,000 | 4,069 |
| Total noninterest expense | $3,491,000 | 3,713 |
| Salaries and employee benefits | $1,837,000 | 3,681 |
| Premises and equipment expense | $486,000 | 3,860 |
| Additional noninterest expense | $1,168,000 | 3,519 |
| Pre-tax net operating income | $347,000 | 7,853 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-210,000 | 10,038 |
| Income before extraordinary items | $557,000 | 6,120 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $557,000 | 6,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 9,877 |
| Cash dividends | $180,000 | 5,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $557,000 | 6,098 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,769,000 | 5,151 |
| Total interest expense | $2,836,000 | 4,919 |
| Net interest income | $2,933,000 | 5,212 |
| Provision for loan and lease losses | $818,000 | 1,160 |
| Total noninterest income | $769,000 | 3,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $501,000 | 2,560 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,254 |
| Total noninterest expense | $3,239,000 | 3,853 |
| Salaries and employee benefits | $1,662,000 | 3,915 |
| Premises and equipment expense | $417,000 | 4,279 |
| Additional noninterest expense | $1,160,000 | 3,468 |
| Pre-tax net operating income | $-355,000 | 10,107 |
| Securities gains (losses) | $0 | 4,449 |
| 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 | $850,000 | 856 |
| Cash dividends | $180,000 | 5,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-355,000 | 10,134 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,867,000 | 5,156 |
| Total interest expense | $2,610,000 | 5,247 |
| Net interest income | $3,257,000 | 4,991 |
| Provision for loan and lease losses | $2,428,000 | 504 |
| Total noninterest income | $729,000 | 3,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $525,000 | 2,502 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $204,000 | 4,907 |
| Total noninterest expense | $2,948,000 | 4,152 |
| Salaries and employee benefits | $1,576,000 | 4,073 |
| Premises and equipment expense | $410,000 | 4,364 |
| Additional noninterest expense | $962,000 | 4,047 |
| Pre-tax net operating income | $-1,390,000 | 10,876 |
| Securities gains (losses) | $28,000 | 1,673 |
| Applicable income taxes | $-513,000 | 10,863 |
| Income before extraordinary items | $-849,000 | 10,837 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-849,000 | 10,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,473,000 | 440 |
| Cash dividends | $180,000 | 5,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-866,920 | 10,827 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,057,000 | 5,153 |
| Total interest expense | $2,715,000 | 5,197 |
| Net interest income | $3,342,000 | 5,025 |
| Provision for loan and lease losses | $309,000 | 2,513 |
| Total noninterest income | $778,000 | 3,781 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $536,000 | 2,533 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $242,000 | 4,626 |
| Total noninterest expense | $2,829,000 | 4,509 |
| Salaries and employee benefits | $1,639,000 | 3,982 |
| Premises and equipment expense | $367,000 | 4,862 |
| Additional noninterest expense | $823,000 | 5,100 |
| Pre-tax net operating income | $982,000 | 5,811 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $262,000 | 6,289 |
| Income before extraordinary items | $720,000 | 5,677 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $720,000 | 5,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,930 |
| Cash dividends | $185,000 | 5,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $720,000 | 5,623 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,753,000 | 5,393 |
| Total interest expense | $2,350,000 | 5,809 |
| Net interest income | $3,403,000 | 4,980 |
| Provision for loan and lease losses | $495,000 | 1,586 |
| Total noninterest income | $690,000 | 4,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $511,000 | 2,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 5,456 |
| Total noninterest expense | $2,845,000 | 4,477 |
| Salaries and employee benefits | $1,607,000 | 4,036 |
| Premises and equipment expense | $357,000 | 4,955 |
| Additional noninterest expense | $881,000 | 4,863 |
| Pre-tax net operating income | $753,000 | 7,039 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $123,000 | 8,748 |
| Income before extraordinary items | $630,000 | 6,429 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $630,000 | 6,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $535,000 | 1,320 |
| Cash dividends | $180,000 | 5,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $630,000 | 6,416 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,372,000 | 5,338 |
| Total interest expense | $1,859,000 | 5,931 |
| Net interest income | $3,513,000 | 4,927 |
| Provision for loan and lease losses | $358,000 | 2,000 |
| Total noninterest income | $696,000 | 4,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $575,000 | 2,362 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,901 |
| Total noninterest expense | $2,825,000 | 4,643 |
| Salaries and employee benefits | $1,578,000 | 4,097 |
| Premises and equipment expense | $315,000 | 5,499 |
| Additional noninterest expense | $932,000 | 5,015 |
| Pre-tax net operating income | $1,026,000 | 5,846 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $237,000 | 6,725 |
| Income before extraordinary items | $790,000 | 5,410 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $790,000 | 5,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,255 |
| Cash dividends | $178,000 | 5,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $789,230 | 5,477 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,390,000 | 5,426 |
| Total interest expense | $2,009,000 | 5,809 |
| Net interest income | $3,381,000 | 5,109 |
| Provision for loan and lease losses | $293,000 | 3,082 |
| Total noninterest income | $748,000 | 4,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $629,000 | 2,179 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 7,333 |
| Total noninterest expense | $2,866,000 | 4,696 |
| Salaries and employee benefits | $1,552,000 | 4,151 |
| Premises and equipment expense | $347,000 | 5,271 |
| Additional noninterest expense | $967,000 | 5,063 |
| Pre-tax net operating income | $970,000 | 6,021 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $228,000 | 7,136 |
| Income before extraordinary items | $744,000 | 5,858 |
| Extraordinary gains, net | $154,000 | 1,206 |
| Net income | $898,000 | 5,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,962 |
| Cash dividends | $163,000 | 5,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $742,460 | 5,606 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,475,000 | 5,923 |
| Total interest expense | $2,529,000 | 5,938 |
| Net interest income | $2,946,000 | 5,799 |
| Provision for loan and lease losses | $113,000 | 6,955 |
| Total noninterest income | $703,000 | 4,403 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $585,000 | 2,357 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 7,510 |
| Total noninterest expense | $2,740,000 | 4,914 |
| Salaries and employee benefits | $1,500,000 | 4,230 |
| Premises and equipment expense | $342,000 | 5,454 |
| Additional noninterest expense | $898,000 | 5,533 |
| Pre-tax net operating income | $796,000 | 6,583 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $153,000 | 8,537 |
| Income before extraordinary items | $643,000 | 6,265 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $643,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $147,000 | 5,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $643,000 | 5,926 |
* 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.