Home > FirstBank of Greeley > Income and Expense

FirstBank of Greeley, Income and Expense

2007-06-30 (YTD Data)		Rank
Total interest income	$1,239,000	7,304
Total interest expense	$614,000	6,864
Net interest income	$625,000	7,545
Provision for loan and lease losses	$63,000	3,949
Total noninterest income	$510,000	3,518
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$317,000	2,541
Trading account gains and fees	$0	168
Additional Noninterest Income	$193,000	3,850
Total noninterest expense	$1,031,000	6,161
Salaries and employee benefits	$460,000	6,674
Premises and equipment expense	$153,000	5,758
Additional noninterest expense	$418,000	5,145
Pre-tax net operating income	$41,000	7,574
Securities gains (losses)	$0	1,444
Applicable income taxes	$-64,000	8,323
Income before extraordinary items	$105,000	7,084
Extraordinary gains, net	$0	29
Net income	$105,000	7,084
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$22,000	3,719
Cash dividends	$0	4,977
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$105,000	7,072
2007-03-31 (YTD Data)		Rank
Total interest income	$608,000	7,362
Total interest expense	$302,000	6,910
Net interest income	$306,000	7,616
Provision for loan and lease losses	$27,000	4,065
Total noninterest income	$232,000	3,705
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$144,000	2,677
Trading account gains and fees	$0	195
Additional Noninterest Income	$88,000	4,018
Total noninterest expense	$516,000	6,200
Salaries and employee benefits	$239,000	6,644
Premises and equipment expense	$70,000	6,029
Additional noninterest expense	$207,000	5,160
Pre-tax net operating income	$-5,000	7,881
Securities gains (losses)	$0	1,187
Applicable income taxes	$-39,000	8,383
Income before extraordinary items	$34,000	7,402
Extraordinary gains, net	$0	22
Net income	$34,000	7,401
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,748
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$34,000	7,390
2006-12-31 (YTD Data)		Rank
Total interest income	$2,368,000	7,249
Total interest expense	$1,042,000	6,861
Net interest income	$1,326,000	7,408
Provision for loan and lease losses	$66,000	5,233
Total noninterest income	$974,000	3,609
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$571,000	2,791
Trading account gains and fees	$0	130
Additional Noninterest Income	$403,000	3,719
Total noninterest expense	$2,026,000	6,131
Salaries and employee benefits	$920,000	6,601
Premises and equipment expense	$290,000	5,825
Additional noninterest expense	$816,000	5,175
Pre-tax net operating income	$208,000	7,376
Securities gains (losses)	$0	1,687
Applicable income taxes	$-77,000	8,342
Income before extraordinary items	$285,000	6,969
Extraordinary gains, net	$0	51
Net income	$285,000	6,969
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$28,000	4,733
Cash dividends	$300,000	4,447
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$285,000	6,964
2006-09-30 (YTD Data)		Rank
Total interest income	$1,754,000	7,308
Total interest expense	$741,000	6,943
Net interest income	$1,013,000	7,447
Provision for loan and lease losses	$39,000	5,442
Total noninterest income	$733,000	3,605
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$428,000	2,810
Trading account gains and fees	$0	126
Additional Noninterest Income	$305,000	3,708
Total noninterest expense	$1,499,000	6,154
Salaries and employee benefits	$672,000	6,672
Premises and equipment expense	$217,000	5,851
Additional noninterest expense	$610,000	5,162
Pre-tax net operating income	$208,000	7,393
Securities gains (losses)	$0	1,388
Applicable income taxes	$-44,000	8,497
Income before extraordinary items	$252,000	6,967
Extraordinary gains, net	$0	45
Net income	$252,000	6,971
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$18,000	4,313
Cash dividends	$100,000	4,724
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$252,000	6,970
2006-06-30 (YTD Data)		Rank
Total interest income	$1,149,000	7,350
Total interest expense	$464,000	7,003
Net interest income	$685,000	7,463
Provision for loan and lease losses	$27,000	5,285
Total noninterest income	$482,000	3,618
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$276,000	2,859
Trading account gains and fees	$0	126
Additional Noninterest Income	$206,000	3,687
Total noninterest expense	$996,000	6,186
Salaries and employee benefits	$445,000	6,712
Premises and equipment expense	$146,000	5,844
Additional noninterest expense	$405,000	5,164
Pre-tax net operating income	$144,000	7,419
Securities gains (losses)	$0	1,185
Applicable income taxes	$-29,000	8,542
Income before extraordinary items	$173,000	6,976
Extraordinary gains, net	$0	39
Net income	$173,000	6,979
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	3,820
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$173,000	6,981
2006-03-31 (YTD Data)		Rank
Total interest income	$565,000	7,374
Total interest expense	$218,000	7,061
Net interest income	$347,000	7,460
Provision for loan and lease losses	$16,000	4,730
Total noninterest income	$206,000	3,917
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$130,000	2,909
Trading account gains and fees	$0	115
Additional Noninterest Income	$76,000	4,256
Total noninterest expense	$493,000	6,222
Salaries and employee benefits	$226,000	6,695
Premises and equipment expense	$71,000	5,930
Additional noninterest expense	$196,000	5,244
Pre-tax net operating income	$44,000	7,767
Securities gains (losses)	$0	955
Applicable income taxes	$-24,000	8,587
Income before extraordinary items	$68,000	7,222
Extraordinary gains, net	$0	21
Net income	$68,000	7,222
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	3,205
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$68,000	7,226
2005-12-31 (YTD Data)		Rank
Total interest income	$2,169,000	7,295
Total interest expense	$691,000	7,064
Net interest income	$1,478,000	7,320
Provision for loan and lease losses	$44,000	5,895
Total noninterest income	$846,000	3,922
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$544,000	2,874
Trading account gains and fees	$0	138
Additional Noninterest Income	$302,000	4,318
Total noninterest expense	$1,878,000	6,309
Salaries and employee benefits	$867,000	6,727
Premises and equipment expense	$295,000	5,779
Additional noninterest expense	$716,000	5,518
Pre-tax net operating income	$402,000	7,058
Securities gains (losses)	$0	2,296
Applicable income taxes	$-17,000	8,488
Income before extraordinary items	$419,000	6,695
Extraordinary gains, net	$0	46
Net income	$419,000	6,696
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	4,855
Cash dividends	$200,000	4,874
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$419,000	6,662
2005-09-30 (YTD Data)		Rank
Total interest income	$1,618,000	7,311
Total interest expense	$490,000	7,116
Net interest income	$1,128,000	7,326
Provision for loan and lease losses	$24,000	6,042
Total noninterest income	$637,000	3,937
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$413,000	2,843
Trading account gains and fees	$0	126
Additional Noninterest Income	$224,000	4,362
Total noninterest expense	$1,410,000	6,276
Salaries and employee benefits	$663,000	6,688
Premises and equipment expense	$219,000	5,809
Additional noninterest expense	$528,000	5,544
Pre-tax net operating income	$331,000	7,065
Securities gains (losses)	$0	2,317
Applicable income taxes	$-2,000	8,548
Income before extraordinary items	$333,000	6,751
Extraordinary gains, net	$0	35
Net income	$333,000	6,750
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	4,476
Cash dividends	$100,000	4,657
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$333,000	6,707
2005-06-30 (YTD Data)		Rank
Total interest income	$1,078,000	7,290
Total interest expense	$310,000	7,127
Net interest income	$768,000	7,295
Provision for loan and lease losses	$13,000	5,966
Total noninterest income	$407,000	4,013
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$259,000	2,930
Trading account gains and fees	$0	116
Additional Noninterest Income	$148,000	4,350
Total noninterest expense	$937,000	6,288
Salaries and employee benefits	$444,000	6,676
Premises and equipment expense	$146,000	5,777
Additional noninterest expense	$347,000	5,554
Pre-tax net operating income	$225,000	7,061
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$225,000	6,711
Extraordinary gains, net	$0	30
Net income	$225,000	6,712
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$9,000	4,491
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$225,000	6,659
2005-03-31 (YTD Data)		Rank
Total interest income	$538,000	7,336
Total interest expense	$146,000	7,225
Net interest income	$392,000	7,299
Provision for loan and lease losses	$1,000	6,172
Total noninterest income	$196,000	4,019
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$124,000	2,965
Trading account gains and fees	$0	115
Additional Noninterest Income	$72,000	4,397
Total noninterest expense	$477,000	6,271
Salaries and employee benefits	$235,000	6,549
Premises and equipment expense	$73,000	5,831
Additional noninterest expense	$169,000	5,615
Pre-tax net operating income	$110,000	7,082
Securities gains (losses)	$0	1,685
Applicable income taxes	$-1,000	8,627
Income before extraordinary items	$111,000	6,711
Extraordinary gains, net	$0	24
Net income	$111,000	6,713
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	3,869
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$111,000	6,680
2004-12-31 (YTD Data)		Rank
Total interest income	$1,900,000	7,484
Total interest expense	$443,000	7,518
Net interest income	$1,457,000	7,365
Provision for loan and lease losses	$63,000	5,615
Total noninterest income	$791,000	4,082
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$516,000	3,076
Trading account gains and fees	$0	138
Additional Noninterest Income	$275,000	4,433
Total noninterest expense	$1,814,000	6,341
Salaries and employee benefits	$896,000	6,618
Premises and equipment expense	$298,000	5,700
Additional noninterest expense	$620,000	5,878
Pre-tax net operating income	$371,000	7,197
Securities gains (losses)	$0	3,819
Applicable income taxes	$-27,000	8,634
Income before extraordinary items	$398,000	6,782
Extraordinary gains, net	$0	34
Net income	$398,000	6,784
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	5,501
Cash dividends	$200,000	4,847
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$398,000	6,718
2004-09-30 (YTD Data)		Rank
Total interest income	$1,381,000	7,579
Total interest expense	$309,000	7,656
Net interest income	$1,072,000	7,427
Provision for loan and lease losses	$48,000	5,435
Total noninterest income	$598,000	4,097
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$391,000	3,064
Trading account gains and fees	$0	134
Additional Noninterest Income	$207,000	4,432
Total noninterest expense	$1,310,000	6,418
Salaries and employee benefits	$639,000	6,743
Premises and equipment expense	$212,000	5,809
Additional noninterest expense	$459,000	5,877
Pre-tax net operating income	$312,000	7,140
Securities gains (losses)	$0	3,710
Applicable income taxes	$-7,000	8,714
Income before extraordinary items	$319,000	6,791
Extraordinary gains, net	$0	26
Net income	$319,000	6,792
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	5,248
Cash dividends	$200,000	3,963
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$319,000	6,718
2004-06-30 (YTD Data)		Rank
Total interest income	$881,000	7,699
Total interest expense	$190,000	7,852
Net interest income	$691,000	7,532
Provision for loan and lease losses	$21,000	5,806
Total noninterest income	$371,000	4,283
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$251,000	3,142
Trading account gains and fees	$0	130
Additional Noninterest Income	$120,000	4,788
Total noninterest expense	$843,000	6,576
Salaries and employee benefits	$419,000	6,824
Premises and equipment expense	$140,000	5,870
Additional noninterest expense	$284,000	6,153
Pre-tax net operating income	$198,000	7,205
Securities gains (losses)	$0	3,413
Applicable income taxes	$-6,000	8,761
Income before extraordinary items	$204,000	6,865
Extraordinary gains, net	$0	21
Net income	$204,000	6,865
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	5,183
Cash dividends	$150,000	3,776
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$204,000	6,782
2004-03-31 (YTD Data)		Rank
Total interest income	$400,000	7,903
Total interest expense	$88,000	8,036
Net interest income	$312,000	7,767
Provision for loan and lease losses	$9,000	5,706
Total noninterest income	$180,000	4,320
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$121,000	3,142
Trading account gains and fees	$0	121
Additional Noninterest Income	$59,000	4,776
Total noninterest expense	$405,000	6,729
Salaries and employee benefits	$192,000	7,098
Premises and equipment expense	$73,000	5,767
Additional noninterest expense	$140,000	6,209
Pre-tax net operating income	$78,000	7,488
Securities gains (losses)	$0	2,934
Applicable income taxes	$-9,000	8,853
Income before extraordinary items	$87,000	7,109
Extraordinary gains, net	$0	16
Net income	$87,000	7,111
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,591
Cash dividends	$100,000	2,844
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$87,000	7,024
2003-12-31 (YTD Data)		Rank
Total interest income	$1,605,000	7,963
Total interest expense	$353,000	8,279
Net interest income	$1,252,000	7,724
Provision for loan and lease losses	$-2,000	8,883
Total noninterest income	$735,000	4,426
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$497,000	3,112
Trading account gains and fees	$0	160
Additional Noninterest Income	$238,000	4,947
Total noninterest expense	$1,348,000	7,174
Salaries and employee benefits	$607,000	7,663
Premises and equipment expense	$182,000	6,996
Additional noninterest expense	$559,000	6,199
Pre-tax net operating income	$641,000	6,190
Securities gains (losses)	$0	4,500
Applicable income taxes	$109,000	5,632
Income before extraordinary items	$532,000	6,212
Extraordinary gains, net	$0	54
Net income	$532,000	6,216
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$19,000	6,130
Cash dividends	$100,000	5,525
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$532,000	6,051
2003-09-30 (YTD Data)		Rank
Total interest income	$1,216,000	8,043
Total interest expense	$264,000	8,407
Net interest income	$952,000	7,768
Provision for loan and lease losses	$-18,000	9,046
Total noninterest income	$549,000	4,468
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$368,000	3,149
Trading account gains and fees	$0	153
Additional Noninterest Income	$181,000	4,984
Total noninterest expense	$960,000	7,300
Salaries and employee benefits	$434,000	7,750
Premises and equipment expense	$114,000	7,377
Additional noninterest expense	$412,000	6,259
Pre-tax net operating income	$559,000	6,031
Securities gains (losses)	$0	4,204
Applicable income taxes	$114,000	5,428
Income before extraordinary items	$445,000	6,124
Extraordinary gains, net	$0	40
Net income	$445,000	6,125
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$12,000	5,833
Cash dividends	$100,000	4,694
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$445,000	5,955
2003-06-30 (YTD Data)		Rank
Total interest income	$811,000	8,100
Total interest expense	$174,000	8,512
Net interest income	$637,000	7,775
Provision for loan and lease losses	$-31,000	9,139
Total noninterest income	$368,000	4,447
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$243,000	3,137
Trading account gains and fees	$0	150
Additional Noninterest Income	$125,000	4,923
Total noninterest expense	$550,000	7,695
Salaries and employee benefits	$261,000	7,999
Premises and equipment expense	$52,000	8,045
Additional noninterest expense	$237,000	6,682
Pre-tax net operating income	$486,000	5,383
Securities gains (losses)	$0	3,782
Applicable income taxes	$121,000	4,846
Income before extraordinary items	$365,000	5,622
Extraordinary gains, net	$0	30
Net income	$365,000	5,621
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	5,431
Cash dividends	$100,000	4,223
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$365,000	5,418
2003-03-31 (YTD Data)		Rank
Total interest income	$396,000	8,194
Total interest expense	$84,000	8,621
Net interest income	$312,000	7,846
Provision for loan and lease losses	$-49,000	9,230
Total noninterest income	$179,000	4,428
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$121,000	3,055
Trading account gains and fees	$0	134
Additional Noninterest Income	$58,000	4,989
Total noninterest expense	$266,000	7,785
Salaries and employee benefits	$124,000	8,121
Premises and equipment expense	$24,000	8,165
Additional noninterest expense	$118,000	6,700
Pre-tax net operating income	$274,000	5,028
Securities gains (losses)	$0	2,891
Applicable income taxes	$73,000	4,528
Income before extraordinary items	$201,000	5,323
Extraordinary gains, net	$0	21
Net income	$201,000	5,322
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$100,000	2,874
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$201,000	5,130
2002-12-31 (YTD Data)		Rank
Total interest income	$1,630,000	8,236
Total interest expense	$370,000	8,735
Net interest income	$1,260,000	7,817
Provision for loan and lease losses	$33,000	7,142
Total noninterest income	$682,000	4,400
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$435,000	3,332
Trading account gains and fees	$0	153
Additional Noninterest Income	$247,000	4,635
Total noninterest expense	$1,105,000	7,711
Salaries and employee benefits	$548,000	7,939
Premises and equipment expense	$93,000	8,267
Additional noninterest expense	$464,000	6,720
Pre-tax net operating income	$804,000	5,758
Securities gains (losses)	$0	4,537
Applicable income taxes	$205,000	5,072
Income before extraordinary items	$599,000	5,967
Extraordinary gains, net	$0	70
Net income	$599,000	5,965
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$16,000	6,528
Cash dividends	$200,000	4,872
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$599,000	5,826
2001-12-31 (YTD Data)		Rank
Total interest income	$1,694,000	8,533
Total interest expense	$678,000	8,666
Net interest income	$1,016,000	8,256
Provision for loan and lease losses	$38,000	7,009
Total noninterest income	$663,000	4,324
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$421,000	3,248
Trading account gains and fees	$0	177
Additional Noninterest Income	$242,000	4,551
Total noninterest expense	$1,162,000	7,550
Salaries and employee benefits	$574,000	7,787
Premises and equipment expense	$103,000	8,251
Additional noninterest expense	$485,000	6,543
Pre-tax net operating income	$479,000	6,641
Securities gains (losses)	$0	4,612
Applicable income taxes	$111,000	5,875
Income before extraordinary items	$368,000	6,746
Extraordinary gains, net	$0	105
Net income	$368,000	6,747
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	6,291
Cash dividends	$200,000	4,983
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$368,000	6,620
2000-12-31 (YTD Data)		Rank
Total interest income	$1,709,000	8,725
Total interest expense	$842,000	8,554
Net interest income	$867,000	8,760
Provision for loan and lease losses	$26,000	7,369
Total noninterest income	$584,000	4,474
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$385,000	3,344
Trading account gains and fees	NA	NA
Additional Noninterest Income	$199,000	4,817
Total noninterest expense	$1,203,000	7,491
Salaries and employee benefits	$611,000	7,637
Premises and equipment expense	$95,000	8,531
Additional noninterest expense	$497,000	6,452
Pre-tax net operating income	$222,000	8,269
Securities gains (losses)	$0	1,956
Applicable income taxes	$27,000	7,689
Income before extraordinary items	$195,000	8,095
Extraordinary gains, net	$0	38
Net income	$195,000	8,093
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,269
Cash dividends	$75,000	6,167
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$195,000	8,101
1999-12-31 (YTD Data)		Rank
Total interest income	$1,512,000	9,055
Total interest expense	$760,000	8,787
Net interest income	$752,000	9,171
Provision for loan and lease losses	$48,000	6,602
Total noninterest income	$547,000	4,700
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$362,000	3,482
Trading account gains and fees	NA	NA
Additional Noninterest Income	$185,000	5,124
Total noninterest expense	$1,063,000	7,944
Salaries and employee benefits	$466,000	8,527
Premises and equipment expense	$113,000	8,364
Additional noninterest expense	$484,000	6,633
Pre-tax net operating income	$188,000	8,638
Securities gains (losses)	$0	3,155
Applicable income taxes	$19,000	8,242
Income before extraordinary items	$169,000	8,517
Extraordinary gains, net	$0	35
Net income	$169,000	8,515
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,444
Cash dividends	$100,000	6,057
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$169,000	8,482
1998-12-31 (YTD Data)		Rank
Total interest income	$1,406,000	9,410
Total interest expense	$726,000	9,136
Net interest income	$680,000	9,536
Provision for loan and lease losses	$29,000	7,397
Total noninterest income	$475,000	5,086
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$288,000	4,046
Trading account gains and fees	NA	NA
Additional Noninterest Income	$187,000	5,137
Total noninterest expense	$988,000	8,147
Salaries and employee benefits	$467,000	8,557
Premises and equipment expense	$115,000	8,378
Additional noninterest expense	$406,000	7,169
Pre-tax net operating income	$138,000	9,236
Securities gains (losses)	$0	4,449
Applicable income taxes	$23,000	8,827
Income before extraordinary items	$115,000	9,224
Extraordinary gains, net	$0	32
Net income	$115,000	9,224
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,135
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$115,000	9,153
1997-12-31 (YTD Data)		Rank
Total interest income	$1,195,000	10,069
Total interest expense	$621,000	9,765
Net interest income	$574,000	10,231
Provision for loan and lease losses	$43,000	6,927
Total noninterest income	$418,000	5,587
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$301,000	4,059
Trading account gains and fees	NA	NA
Additional Noninterest Income	$117,000	6,349
Total noninterest expense	$920,000	8,607
Salaries and employee benefits	$441,000	9,004
Premises and equipment expense	$114,000	8,637
Additional noninterest expense	$365,000	7,669
Pre-tax net operating income	$29,000	10,304
Securities gains (losses)	$0	3,944
Applicable income taxes	$2,000	10,009
Income before extraordinary items	$27,000	10,334
Extraordinary gains, net	$0	44
Net income	$27,000	10,336
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	6,380
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$27,000	10,296
1996-12-31 (YTD Data)		Rank
Total interest income	$114,000	11,408
Total interest expense	$55,000	11,364
Net interest income	$59,000	11,420
Provision for loan and lease losses	$68,000	5,903
Total noninterest income	$52,000	10,816
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$40,000	9,108
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	10,870
Total noninterest expense	$133,000	11,420
Salaries and employee benefits	$59,000	11,413
Premises and equipment expense	$14,000	11,350
Additional noninterest expense	$60,000	11,349
Pre-tax net operating income	$-90,000	10,947
Securities gains (losses)	$0	4,148
Applicable income taxes	$-13,000	10,959
Income before extraordinary items	$-77,000	10,967
Extraordinary gains, net	$0	53
Net income	$-77,000	10,965
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	$-77,000	10,920

* 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.