Home > First State Bank, Southwest Indiana > Income and Expense
First State Bank, Southwest Indiana, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,396,000 | 4,600 |
| Total interest expense | $1,422,000 | 4,247 |
| Net interest income | $1,974,000 | 4,757 |
| Provision for loan and lease losses | $29,000 | 5,242 |
| Total noninterest income | $462,000 | 3,706 |
| Gross Fiduciary activities income | $1,000 | 1,376 |
| Service charges on deposit accounts | $305,000 | 2,625 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $156,000 | 4,229 |
| Total noninterest expense | $1,394,000 | 5,126 |
| Salaries and employee benefits | $711,000 | 5,369 |
| Premises and equipment expense | $264,000 | 4,146 |
| Additional noninterest expense | $419,000 | 5,048 |
| Pre-tax net operating income | $1,013,000 | 3,768 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $386,000 | 2,673 |
| Income before extraordinary items | $627,000 | 4,329 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $627,000 | 4,333 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 1,129 |
| Cash dividends | $2,350,000 | 719 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $627,000 | 4,325 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,673,000 | 4,596 |
| Total interest expense | $682,000 | 4,240 |
| Net interest income | $991,000 | 4,742 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $204,000 | 3,944 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $140,000 | 2,745 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $708,000 | 5,098 |
| Salaries and employee benefits | $354,000 | 5,407 |
| Premises and equipment expense | $136,000 | 4,066 |
| Additional noninterest expense | $218,000 | 4,907 |
| Pre-tax net operating income | $478,000 | 3,853 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $182,000 | 2,738 |
| Income before extraordinary items | $296,000 | 4,454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $296,000 | 4,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 736 |
| Cash dividends | $1,500,000 | 510 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $296,000 | 4,442 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,984,000 | 5,158 |
| Total interest expense | $1,823,000 | 4,703 |
| Net interest income | $3,161,000 | 5,344 |
| Provision for loan and lease losses | $127,000 | 4,372 |
| Total noninterest income | $740,000 | 4,231 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $539,000 | 2,901 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $200,000 | 5,167 |
| Total noninterest expense | $2,231,000 | 5,735 |
| Salaries and employee benefits | $982,000 | 6,397 |
| Premises and equipment expense | $454,000 | 4,465 |
| Additional noninterest expense | $795,000 | 5,191 |
| Pre-tax net operating income | $1,543,000 | 4,303 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $591,000 | 3,095 |
| Income before extraordinary items | $952,000 | 4,944 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $952,000 | 4,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,813 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $952,000 | 4,916 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,269,000 | 5,550 |
| Total interest expense | $1,141,000 | 5,072 |
| Net interest income | $2,128,000 | 5,691 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $533,000 | 4,363 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $384,000 | 3,004 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $148,000 | 5,207 |
| Total noninterest expense | $1,378,000 | 6,336 |
| Salaries and employee benefits | $617,000 | 6,854 |
| Premises and equipment expense | $298,000 | 4,864 |
| Additional noninterest expense | $463,000 | 5,937 |
| Pre-tax net operating income | $1,148,000 | 4,426 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $437,000 | 3,175 |
| Income before extraordinary items | $711,000 | 5,055 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $711,000 | 5,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,359 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $711,000 | 5,008 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,131,000 | 5,556 |
| Total interest expense | $723,000 | 5,046 |
| Net interest income | $1,408,000 | 5,695 |
| Provision for loan and lease losses | $68,000 | 3,982 |
| Total noninterest income | $351,000 | 4,355 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $248,000 | 3,024 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $102,000 | 5,146 |
| Total noninterest expense | $931,000 | 6,300 |
| Salaries and employee benefits | $413,000 | 6,839 |
| Premises and equipment expense | $205,000 | 4,749 |
| Additional noninterest expense | $313,000 | 5,880 |
| Pre-tax net operating income | $760,000 | 4,409 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $293,000 | 3,144 |
| Income before extraordinary items | $467,000 | 5,046 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $467,000 | 5,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,161 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $467,000 | 5,001 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,030,000 | 5,646 |
| Total interest expense | $335,000 | 5,169 |
| Net interest income | $695,000 | 5,755 |
| Provision for loan and lease losses | $68,000 | 2,703 |
| Total noninterest income | $171,000 | 4,372 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $111,000 | 3,214 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $480,000 | 6,250 |
| Salaries and employee benefits | $213,000 | 6,829 |
| Premises and equipment expense | $103,000 | 4,762 |
| Additional noninterest expense | $164,000 | 5,726 |
| Pre-tax net operating income | $318,000 | 4,838 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $122,000 | 3,441 |
| Income before extraordinary items | $196,000 | 5,468 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $196,000 | 5,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,365 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $196,000 | 5,434 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,887,000 | 5,635 |
| Total interest expense | $1,163,000 | 5,202 |
| Net interest income | $2,724,000 | 5,726 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $609,000 | 4,783 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $496,000 | 3,163 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $113,000 | 6,209 |
| Total noninterest expense | $1,913,000 | 6,149 |
| Salaries and employee benefits | $866,000 | 6,741 |
| Premises and equipment expense | $384,000 | 4,897 |
| Additional noninterest expense | $663,000 | 5,704 |
| Pre-tax net operating income | $1,240,000 | 4,720 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $471,000 | 3,447 |
| Income before extraordinary items | $769,000 | 5,353 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $769,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,787 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $769,000 | 5,274 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,872,000 | 5,680 |
| Total interest expense | $851,000 | 5,258 |
| Net interest income | $2,021,000 | 5,764 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $456,000 | 4,787 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $377,000 | 3,145 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $79,000 | 6,329 |
| Total noninterest expense | $1,462,000 | 6,048 |
| Salaries and employee benefits | $670,000 | 6,592 |
| Premises and equipment expense | $304,000 | 4,707 |
| Additional noninterest expense | $488,000 | 5,704 |
| Pre-tax net operating income | $880,000 | 4,944 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $335,000 | 3,590 |
| Income before extraordinary items | $545,000 | 5,603 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $545,000 | 5,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,418 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $545,000 | 5,534 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,894,000 | 5,726 |
| Total interest expense | $559,000 | 5,329 |
| Net interest income | $1,335,000 | 5,783 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $287,000 | 4,927 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $238,000 | 3,254 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $970,000 | 6,098 |
| Salaries and employee benefits | $451,000 | 6,604 |
| Premises and equipment expense | $200,000 | 4,757 |
| Additional noninterest expense | $319,000 | 5,789 |
| Pre-tax net operating income | $562,000 | 4,997 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $214,000 | 3,643 |
| Income before extraordinary items | $348,000 | 5,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $348,000 | 5,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,489 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $348,000 | 5,608 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $927,000 | 5,835 |
| Total interest expense | $280,000 | 5,386 |
| Net interest income | $647,000 | 5,885 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $135,000 | 5,039 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $116,000 | 3,225 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $19,000 | 6,892 |
| Total noninterest expense | $501,000 | 6,043 |
| Salaries and employee benefits | $230,000 | 6,607 |
| Premises and equipment expense | $103,000 | 4,692 |
| Additional noninterest expense | $168,000 | 5,640 |
| Pre-tax net operating income | $236,000 | 5,420 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $89,000 | 3,977 |
| Income before extraordinary items | $147,000 | 6,059 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $147,000 | 6,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $147,000 | 5,939 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,763,000 | 5,841 |
| Total interest expense | $1,325,000 | 5,270 |
| Net interest income | $2,438,000 | 5,993 |
| Provision for loan and lease losses | $158,000 | 4,497 |
| Total noninterest income | $664,000 | 4,688 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $458,000 | 3,326 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $206,000 | 5,220 |
| Total noninterest expense | $1,923,000 | 6,119 |
| Salaries and employee benefits | $907,000 | 6,570 |
| Premises and equipment expense | $411,000 | 4,649 |
| Additional noninterest expense | $605,000 | 5,966 |
| Pre-tax net operating income | $1,021,000 | 5,116 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $389,000 | 3,842 |
| Income before extraordinary items | $632,000 | 5,834 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $632,000 | 5,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,399 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $632,000 | 5,668 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,839,000 | 5,887 |
| Total interest expense | $1,021,000 | 5,316 |
| Net interest income | $1,818,000 | 6,024 |
| Provision for loan and lease losses | $113,000 | 4,460 |
| Total noninterest income | $524,000 | 4,619 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $339,000 | 3,368 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $185,000 | 4,946 |
| Total noninterest expense | $1,475,000 | 6,022 |
| Salaries and employee benefits | $697,000 | 6,482 |
| Premises and equipment expense | $316,000 | 4,560 |
| Additional noninterest expense | $462,000 | 5,888 |
| Pre-tax net operating income | $754,000 | 5,309 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $288,000 | 3,993 |
| Income before extraordinary items | $466,000 | 6,023 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $466,000 | 6,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,781 |
| Cash dividends | $500,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $466,000 | 5,853 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,912,000 | 5,899 |
| Total interest expense | $702,000 | 5,331 |
| Net interest income | $1,210,000 | 6,038 |
| Provision for loan and lease losses | $75,000 | 4,385 |
| Total noninterest income | $321,000 | 4,808 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $202,000 | 3,600 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $119,000 | 5,003 |
| Total noninterest expense | $979,000 | 6,050 |
| Salaries and employee benefits | $462,000 | 6,527 |
| Premises and equipment expense | $212,000 | 4,550 |
| Additional noninterest expense | $305,000 | 5,932 |
| Pre-tax net operating income | $477,000 | 5,433 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $184,000 | 4,128 |
| Income before extraordinary items | $293,000 | 6,141 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $293,000 | 6,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,965 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $293,000 | 5,947 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $966,000 | 5,875 |
| Total interest expense | $360,000 | 5,361 |
| Net interest income | $606,000 | 6,032 |
| Provision for loan and lease losses | $38,000 | 4,186 |
| Total noninterest income | $134,000 | 5,166 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $73,000 | 4,284 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $61,000 | 4,883 |
| Total noninterest expense | $484,000 | 6,106 |
| Salaries and employee benefits | $228,000 | 6,579 |
| Premises and equipment expense | $105,000 | 4,559 |
| Additional noninterest expense | $151,000 | 5,912 |
| Pre-tax net operating income | $218,000 | 5,634 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $85,000 | 4,242 |
| Income before extraordinary items | $133,000 | 6,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 6,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $133,000 | 6,131 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,121,000 | 5,808 |
| Total interest expense | $1,717,000 | 5,291 |
| Net interest income | $2,404,000 | 6,040 |
| Provision for loan and lease losses | $150,000 | 4,907 |
| Total noninterest income | $493,000 | 5,257 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $311,000 | 4,150 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $182,000 | 5,213 |
| Total noninterest expense | $1,912,000 | 6,033 |
| Salaries and employee benefits | $932,000 | 6,390 |
| Premises and equipment expense | $373,000 | 4,879 |
| Additional noninterest expense | $607,000 | 5,884 |
| Pre-tax net operating income | $835,000 | 5,661 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $323,000 | 4,315 |
| Income before extraordinary items | $512,000 | 6,340 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $512,000 | 6,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,150 |
| Cash dividends | $350,000 | 4,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $512,000 | 6,189 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,875,000 | 5,714 |
| Total interest expense | $2,630,000 | 5,225 |
| Net interest income | $2,245,000 | 6,060 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $462,000 | 5,282 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $325,000 | 3,958 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $137,000 | 5,711 |
| Total noninterest expense | $1,947,000 | 5,841 |
| Salaries and employee benefits | $865,000 | 6,519 |
| Premises and equipment expense | $353,000 | 4,995 |
| Additional noninterest expense | $729,000 | 5,126 |
| Pre-tax net operating income | $610,000 | 6,135 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $235,000 | 4,714 |
| Income before extraordinary items | $375,000 | 6,710 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $375,000 | 6,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,231 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $375,000 | 6,579 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,957,000 | 5,765 |
| Total interest expense | $2,712,000 | 5,294 |
| Net interest income | $2,245,000 | 6,191 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $353,000 | 5,865 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,441 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 6,548 |
| Total noninterest expense | $1,694,000 | 6,279 |
| Salaries and employee benefits | $688,000 | 7,254 |
| Premises and equipment expense | $325,000 | 5,187 |
| Additional noninterest expense | $681,000 | 5,282 |
| Pre-tax net operating income | $704,000 | 6,209 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $266,000 | 4,848 |
| Income before extraordinary items | $438,000 | 6,640 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $438,000 | 6,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,969 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $438,000 | 6,657 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,158,000 | 6,228 |
| Total interest expense | $2,093,000 | 5,834 |
| Net interest income | $2,065,000 | 6,529 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $267,000 | 6,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 4,854 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 8,198 |
| Total noninterest expense | $1,584,000 | 6,561 |
| Salaries and employee benefits | $596,000 | 7,778 |
| Premises and equipment expense | $318,000 | 5,295 |
| Additional noninterest expense | $670,000 | 5,411 |
| Pre-tax net operating income | $668,000 | 6,445 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $261,000 | 5,107 |
| Income before extraordinary items | $407,000 | 6,950 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $407,000 | 6,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,803 |
| Cash dividends | $150,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $407,000 | 6,921 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,285,000 | 7,187 |
| Total interest expense | $1,676,000 | 6,816 |
| Net interest income | $1,609,000 | 7,453 |
| Provision for loan and lease losses | $148,000 | 4,215 |
| Total noninterest income | $196,000 | 7,633 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 5,733 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,765 |
| Total noninterest expense | $1,473,000 | 6,765 |
| Salaries and employee benefits | $642,000 | 7,516 |
| Premises and equipment expense | $292,000 | 5,468 |
| Additional noninterest expense | $539,000 | 6,175 |
| Pre-tax net operating income | $184,000 | 8,980 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $71,000 | 7,976 |
| Income before extraordinary items | $113,000 | 9,238 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $113,000 | 9,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $113,000 | 9,170 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,815,000 | 7,980 |
| Total interest expense | $1,433,000 | 7,508 |
| Net interest income | $1,382,000 | 8,275 |
| Provision for loan and lease losses | $86,000 | 5,525 |
| Total noninterest income | $169,000 | 8,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 6,493 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,049 |
| Total noninterest expense | $1,274,000 | 7,432 |
| Salaries and employee benefits | $558,000 | 8,193 |
| Premises and equipment expense | $275,000 | 5,729 |
| Additional noninterest expense | $441,000 | 7,008 |
| Pre-tax net operating income | $191,000 | 9,621 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $73,000 | 8,861 |
| Income before extraordinary items | $118,000 | 9,848 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $118,000 | 9,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $118,000 | 9,805 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,349,000 | 8,904 |
| Total interest expense | $1,162,000 | 8,490 |
| Net interest income | $1,187,000 | 9,056 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $110,000 | 9,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 7,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $1,238,000 | 7,872 |
| Salaries and employee benefits | $449,000 | 9,264 |
| Premises and equipment expense | $199,000 | 7,045 |
| Additional noninterest expense | $590,000 | 6,415 |
| Pre-tax net operating income | $23,000 | 10,701 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $6,000 | 10,431 |
| Income before extraordinary items | $17,000 | 10,754 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $17,000 | 10,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $17,000 | 10,705 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,171,000 | 9,460 |
| Total interest expense | $1,233,000 | 8,481 |
| Net interest income | $938,000 | 10,125 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $79,000 | 10,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 8,821 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $991,000 | 8,987 |
| Salaries and employee benefits | $388,000 | 10,034 |
| Premises and equipment expense | $156,000 | 8,119 |
| Additional noninterest expense | $447,000 | 7,736 |
| Pre-tax net operating income | $-10,000 | 11,512 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-5,000 | 11,501 |
| Income before extraordinary items | $-5,000 | 11,510 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-5,000 | 11,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-5,000 | 11,479 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $269,000 | 12,535 |
| Total interest expense | $146,000 | 12,448 |
| Net interest income | $123,000 | 12,552 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $12,000 | 12,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 10,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 12,349 |
| Total noninterest expense | $141,000 | 12,566 |
| Salaries and employee benefits | $52,000 | 12,575 |
| Premises and equipment expense | $29,000 | 12,238 |
| Additional noninterest expense | $60,000 | 12,515 |
| Pre-tax net operating income | $-6,000 | 12,109 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-2,000 | 12,041 |
| Income before extraordinary items | $-4,000 | 12,047 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-4,000 | 12,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-4,000 | 12,070 |
* 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.