Home > Gallup Federal Savings Bank > Income and Expense
Gallup Federal Savings Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,962,000 | 2,599 |
| Total interest expense | $1,145,000 | 2,061 |
| Net interest income | $1,817,000 | 2,888 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $237,000 | 3,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $237,000 | 2,236 |
| Total noninterest expense | $1,059,000 | 3,682 |
| Salaries and employee benefits | $535,000 | 3,883 |
| Premises and equipment expense | $226,000 | 2,578 |
| Additional noninterest expense | $298,000 | 3,818 |
| Pre-tax net operating income | $995,000 | 2,174 |
| Securities gains (losses) | $17,000 | 846 |
| Applicable income taxes | $322,000 | 1,885 |
| Income before extraordinary items | $690,000 | 2,352 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $690,000 | 2,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,877 |
| Cash dividends | $600,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $678,440 | 2,347 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,922,000 | 2,409 |
| Total interest expense | $5,045,000 | 1,623 |
| Net interest income | $6,877,000 | 2,932 |
| Provision for loan and lease losses | $899,000 | 1,157 |
| Total noninterest income | $930,000 | 3,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $930,000 | 2,251 |
| Total noninterest expense | $4,280,000 | 3,545 |
| Salaries and employee benefits | $2,236,000 | 3,656 |
| Premises and equipment expense | $906,000 | 2,510 |
| Additional noninterest expense | $1,138,000 | 3,914 |
| Pre-tax net operating income | $2,628,000 | 2,870 |
| Securities gains (losses) | $68,000 | 1,506 |
| Applicable income taxes | $703,000 | 2,755 |
| Income before extraordinary items | $1,993,000 | 2,925 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,993,000 | 2,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $731,000 | 966 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,942,680 | 2,932 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,965,000 | 2,368 |
| Total interest expense | $3,851,000 | 1,573 |
| Net interest income | $5,114,000 | 2,942 |
| Provision for loan and lease losses | $839,000 | 917 |
| Total noninterest income | $684,000 | 3,793 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $684,000 | 2,299 |
| Total noninterest expense | $3,104,000 | 3,605 |
| Salaries and employee benefits | $1,577,000 | 3,805 |
| Premises and equipment expense | $689,000 | 2,454 |
| Additional noninterest expense | $838,000 | 3,945 |
| Pre-tax net operating income | $1,855,000 | 3,068 |
| Securities gains (losses) | $53,000 | 1,616 |
| Applicable income taxes | $400,000 | 3,302 |
| Income before extraordinary items | $1,508,000 | 2,940 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,508,000 | 2,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $733,000 | 712 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,466,130 | 2,931 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,998,000 | 2,354 |
| Total interest expense | $2,616,000 | 1,515 |
| Net interest income | $3,382,000 | 2,953 |
| Provision for loan and lease losses | $839,000 | 608 |
| Total noninterest income | $426,000 | 3,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $426,000 | 2,417 |
| Total noninterest expense | $2,089,000 | 3,613 |
| Salaries and employee benefits | $1,072,000 | 3,776 |
| Premises and equipment expense | $469,000 | 2,410 |
| Additional noninterest expense | $548,000 | 4,022 |
| Pre-tax net operating income | $880,000 | 3,861 |
| Securities gains (losses) | $38,000 | 1,632 |
| Applicable income taxes | $163,000 | 4,118 |
| Income before extraordinary items | $755,000 | 3,676 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $755,000 | 3,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $714,000 | 549 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $723,840 | 3,692 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,054,000 | 2,300 |
| Total interest expense | $1,339,000 | 1,491 |
| Net interest income | $1,715,000 | 2,903 |
| Provision for loan and lease losses | $339,000 | 728 |
| Total noninterest income | $206,000 | 3,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $206,000 | 2,427 |
| Total noninterest expense | $1,030,000 | 3,668 |
| Salaries and employee benefits | $505,000 | 3,975 |
| Premises and equipment expense | $234,000 | 2,445 |
| Additional noninterest expense | $291,000 | 3,838 |
| Pre-tax net operating income | $552,000 | 3,279 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $96,000 | 3,852 |
| Income before extraordinary items | $459,000 | 3,145 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $459,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,290 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $456,510 | 3,042 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,291,000 | 2,344 |
| Total interest expense | $5,957,000 | 1,487 |
| Net interest income | $6,334,000 | 3,031 |
| Provision for loan and lease losses | $507,000 | 2,141 |
| Total noninterest income | $850,000 | 4,084 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $850,000 | 2,638 |
| Total noninterest expense | $4,302,000 | 3,492 |
| Salaries and employee benefits | $2,259,000 | 3,548 |
| Premises and equipment expense | $958,000 | 2,347 |
| Additional noninterest expense | $1,085,000 | 4,019 |
| Pre-tax net operating income | $2,375,000 | 3,004 |
| Securities gains (losses) | $103,000 | 1,867 |
| Applicable income taxes | $630,000 | 2,961 |
| Income before extraordinary items | $1,848,000 | 3,040 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,848,000 | 3,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,121 |
| Cash dividends | $647,000 | 3,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,770,750 | 2,995 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,238,000 | 2,376 |
| Total interest expense | $4,524,000 | 1,539 |
| Net interest income | $4,714,000 | 3,056 |
| Provision for loan and lease losses | $437,000 | 1,901 |
| Total noninterest income | $547,000 | 4,475 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $547,000 | 2,968 |
| Total noninterest expense | $3,181,000 | 3,517 |
| Salaries and employee benefits | $1,650,000 | 3,607 |
| Premises and equipment expense | $712,000 | 2,371 |
| Additional noninterest expense | $819,000 | 3,994 |
| Pre-tax net operating income | $1,643,000 | 3,311 |
| Securities gains (losses) | $85,000 | 1,886 |
| Applicable income taxes | $471,000 | 3,133 |
| Income before extraordinary items | $1,257,000 | 3,378 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,257,000 | 3,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,987 |
| Cash dividends | $440,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,194,950 | 3,348 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,263,000 | 2,341 |
| Total interest expense | $3,050,000 | 1,577 |
| Net interest income | $3,213,000 | 2,979 |
| Provision for loan and lease losses | $377,000 | 1,473 |
| Total noninterest income | $329,000 | 4,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $329,000 | 3,126 |
| Total noninterest expense | $2,126,000 | 3,499 |
| Salaries and employee benefits | $1,101,000 | 3,600 |
| Premises and equipment expense | $474,000 | 2,365 |
| Additional noninterest expense | $551,000 | 3,948 |
| Pre-tax net operating income | $1,039,000 | 3,433 |
| Securities gains (losses) | $74,000 | 1,751 |
| Applicable income taxes | $230,000 | 3,698 |
| Income before extraordinary items | $883,000 | 3,257 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $883,000 | 3,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $309,000 | 2,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $824,540 | 3,245 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,985,000 | 2,470 |
| Total interest expense | $1,516,000 | 1,631 |
| Net interest income | $1,469,000 | 3,230 |
| Provision for loan and lease losses | $140,000 | 1,874 |
| Total noninterest income | $166,000 | 4,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $166,000 | 3,032 |
| Total noninterest expense | $1,046,000 | 3,532 |
| Salaries and employee benefits | $540,000 | 3,657 |
| Premises and equipment expense | $242,000 | 2,310 |
| Additional noninterest expense | $264,000 | 4,045 |
| Pre-tax net operating income | $449,000 | 3,755 |
| Securities gains (losses) | $52,000 | 1,369 |
| Applicable income taxes | $168,000 | 3,015 |
| Income before extraordinary items | $333,000 | 3,949 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $333,000 | 3,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $298,680 | 4,065 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,834,000 | 2,406 |
| Total interest expense | $6,591,000 | 1,733 |
| Net interest income | $6,243,000 | 3,043 |
| Provision for loan and lease losses | $245,000 | 3,904 |
| Total noninterest income | $543,000 | 4,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $543,000 | 3,136 |
| Total noninterest expense | $3,862,000 | 3,655 |
| Salaries and employee benefits | $2,120,000 | 3,567 |
| Premises and equipment expense | $866,000 | 2,493 |
| Additional noninterest expense | $876,000 | 4,627 |
| Pre-tax net operating income | $2,679,000 | 2,744 |
| Securities gains (losses) | $73,000 | 2,058 |
| Applicable income taxes | $869,000 | 2,449 |
| Income before extraordinary items | $1,883,000 | 2,943 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,883,000 | 2,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,236 |
| Cash dividends | $659,000 | 2,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,833,360 | 2,905 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,044,000 | 2,448 |
| Total interest expense | $8,564,000 | 1,895 |
| Net interest income | $5,480,000 | 3,187 |
| Provision for loan and lease losses | $245,000 | 3,671 |
| Total noninterest income | $536,000 | 4,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $536,000 | 3,013 |
| Total noninterest expense | $3,069,000 | 4,254 |
| Salaries and employee benefits | $1,747,000 | 4,003 |
| Premises and equipment expense | $690,000 | 2,982 |
| Additional noninterest expense | $632,000 | 5,649 |
| Pre-tax net operating income | $2,702,000 | 2,507 |
| Securities gains (losses) | $61,000 | 2,176 |
| Applicable income taxes | $851,000 | 2,323 |
| Income before extraordinary items | $1,912,000 | 2,640 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,912,000 | 2,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,068 |
| Cash dividends | $853,000 | 2,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,869,910 | 2,610 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,102,000 | 2,654 |
| Total interest expense | $8,499,000 | 2,029 |
| Net interest income | $4,603,000 | 3,726 |
| Provision for loan and lease losses | $295,000 | 2,920 |
| Total noninterest income | $687,000 | 4,050 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $687,000 | 2,390 |
| Total noninterest expense | $2,775,000 | 4,497 |
| Salaries and employee benefits | $1,646,000 | 4,057 |
| Premises and equipment expense | $556,000 | 3,478 |
| Additional noninterest expense | $573,000 | 5,948 |
| Pre-tax net operating income | $2,220,000 | 3,059 |
| Securities gains (losses) | $-42,000 | 9,121 |
| Applicable income taxes | $619,000 | 3,038 |
| Income before extraordinary items | $1,559,000 | 3,152 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,559,000 | 3,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,051 |
| Cash dividends | $403,000 | 3,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,589,240 | 3,098 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,448,000 | 3,093 |
| Total interest expense | $6,098,000 | 2,417 |
| Net interest income | $4,350,000 | 3,894 |
| Provision for loan and lease losses | $158,000 | 4,148 |
| Total noninterest income | $419,000 | 5,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $419,000 | 3,303 |
| Total noninterest expense | $2,480,000 | 4,915 |
| Salaries and employee benefits | $1,395,000 | 4,604 |
| Premises and equipment expense | $515,000 | 3,672 |
| Additional noninterest expense | $570,000 | 6,019 |
| Pre-tax net operating income | $2,131,000 | 3,179 |
| Securities gains (losses) | $63,000 | 903 |
| Applicable income taxes | $772,000 | 2,715 |
| Income before extraordinary items | $1,422,000 | 3,383 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,422,000 | 3,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,227 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,381,050 | 3,428 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,771,000 | 3,613 |
| Total interest expense | $5,424,000 | 2,777 |
| Net interest income | $3,347,000 | 4,756 |
| Provision for loan and lease losses | $66,000 | 5,965 |
| Total noninterest income | $250,000 | 7,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $250,000 | 4,429 |
| Total noninterest expense | $2,008,000 | 5,588 |
| Salaries and employee benefits | $1,145,000 | 5,247 |
| Premises and equipment expense | $387,000 | 4,543 |
| Additional noninterest expense | $476,000 | 6,604 |
| Pre-tax net operating income | $1,523,000 | 4,144 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $542,000 | 3,650 |
| Income before extraordinary items | $993,000 | 4,552 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $993,000 | 4,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,737 |
| Cash dividends | $493,000 | 3,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $985,200 | 4,478 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,031,000 | 4,485 |
| Total interest expense | $4,353,000 | 3,389 |
| Net interest income | $2,678,000 | 5,784 |
| Provision for loan and lease losses | $53,000 | 6,553 |
| Total noninterest income | $153,000 | 8,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $153,000 | 5,635 |
| Total noninterest expense | $1,485,000 | 6,828 |
| Salaries and employee benefits | $810,000 | 6,732 |
| Premises and equipment expense | $278,000 | 5,688 |
| Additional noninterest expense | $397,000 | 7,376 |
| Pre-tax net operating income | $1,293,000 | 4,986 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $431,000 | 4,655 |
| Income before extraordinary items | $866,000 | 5,195 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $866,000 | 5,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,076 |
| Cash dividends | $819,000 | 2,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $863,320 | 5,152 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,498,000 | 5,524 |
| Total interest expense | $3,141,000 | 4,587 |
| Net interest income | $2,357,000 | 6,465 |
| Provision for loan and lease losses | $5,000 | 8,822 |
| Total noninterest income | $83,000 | 10,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $83,000 | 7,649 |
| Total noninterest expense | $1,521,000 | 7,049 |
| Salaries and employee benefits | $675,000 | 7,681 |
| Premises and equipment expense | $217,000 | 6,740 |
| Additional noninterest expense | $629,000 | 6,174 |
| Pre-tax net operating income | $914,000 | 6,038 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $347,000 | 5,357 |
| Income before extraordinary items | $573,000 | 6,441 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $573,000 | 6,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 10,811 |
| Cash dividends | $759,000 | 2,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $569,160 | 6,384 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,121,000 | 6,860 |
| Total interest expense | $2,044,000 | 6,369 |
| Net interest income | $2,077,000 | 7,133 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $62,000 | 11,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $62,000 | 8,656 |
| Total noninterest expense | $986,000 | 9,008 |
| Salaries and employee benefits | $499,000 | 9,124 |
| Premises and equipment expense | $182,000 | 7,556 |
| Additional noninterest expense | $305,000 | 9,195 |
| Pre-tax net operating income | $1,111,000 | 5,567 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $398,000 | 4,964 |
| Income before extraordinary items | $721,000 | 5,861 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $721,000 | 5,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,798 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $715,880 | 5,868 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,235,000 | 7,716 |
| Total interest expense | $1,453,000 | 7,037 |
| Net interest income | $1,782,000 | 8,086 |
| Provision for loan and lease losses | $99,000 | 4,618 |
| Total noninterest income | $81,000 | 11,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $81,000 | 8,198 |
| Total noninterest expense | $923,000 | 9,668 |
| Salaries and employee benefits | $421,000 | 10,098 |
| Premises and equipment expense | $133,000 | 9,004 |
| Additional noninterest expense | $369,000 | 9,130 |
| Pre-tax net operating income | $841,000 | 6,670 |
| Securities gains (losses) | $15,000 | 1,966 |
| Applicable income taxes | $332,000 | 5,489 |
| Income before extraordinary items | $524,000 | 7,119 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $524,000 | 7,128 |
| 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 | $514,400 | 7,229 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,281,000 | 7,874 |
| Total interest expense | $1,711,000 | 6,587 |
| Net interest income | $1,570,000 | 8,897 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $52,000 | 12,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $52,000 | 9,987 |
| Total noninterest expense | $663,000 | 11,339 |
| Salaries and employee benefits | $336,000 | 11,292 |
| Premises and equipment expense | $133,000 | 9,383 |
| Additional noninterest expense | $194,000 | 11,817 |
| Pre-tax net operating income | $935,000 | 6,194 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $360,000 | 5,386 |
| Income before extraordinary items | $575,000 | 6,975 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $575,000 | 7,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 9,293 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $575,000 | 6,714 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 8,316 |
| Total interest expense | $2,003,000 | 7,101 |
| Net interest income | $1,402,000 | 9,616 |
| Provision for loan and lease losses | $24,000 | 10,335 |
| Total noninterest income | $91,000 | 11,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $91,000 | 8,401 |
| Total noninterest expense | $651,000 | 11,769 |
| Salaries and employee benefits | $270,000 | 12,358 |
| Premises and equipment expense | $112,000 | 10,321 |
| Additional noninterest expense | $269,000 | 11,288 |
| Pre-tax net operating income | $818,000 | 6,486 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $300,000 | 5,919 |
| Income before extraordinary items | $518,000 | 7,175 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $518,000 | 7,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 10,608 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $518,000 | 6,800 |
* 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.