Home > Granite State Bank > Income and Expense
Granite State Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,779,000 | 4,996 |
| Total interest expense | $365,000 | 7,820 |
| Net interest income | $4,414,000 | 4,176 |
| Provision for loan and lease losses | $-39,000 | 8,733 |
| Total noninterest income | $509,000 | 5,218 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $375,000 | 3,790 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $134,000 | 5,904 |
| Total noninterest expense | $4,327,000 | 3,515 |
| Salaries and employee benefits | $2,820,000 | 3,003 |
| Premises and equipment expense | $450,000 | 4,405 |
| Additional noninterest expense | $1,057,000 | 4,147 |
| Pre-tax net operating income | $635,000 | 6,291 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $248,000 | 4,463 |
| Income before extraordinary items | $387,000 | 6,852 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $387,000 | 6,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,315 |
| Cash dividends | $352,000 | 4,103 |
| Sale, conversion, retirement of capital stock, net | $1,212,000 | 385 |
| Net operating income | $387,000 | 6,785 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,477,000 | 5,081 |
| Total interest expense | $266,000 | 7,894 |
| Net interest income | $3,211,000 | 4,272 |
| Provision for loan and lease losses | $-36,000 | 8,826 |
| Total noninterest income | $377,000 | 5,279 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $281,000 | 3,815 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $96,000 | 5,987 |
| Total noninterest expense | $2,541,000 | 4,252 |
| Salaries and employee benefits | $1,461,000 | 4,042 |
| Premises and equipment expense | $357,000 | 4,230 |
| Additional noninterest expense | $723,000 | 4,409 |
| Pre-tax net operating income | $1,083,000 | 4,422 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $437,000 | 3,145 |
| Income before extraordinary items | $646,000 | 5,168 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $646,000 | 5,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $94,000 | 526 |
| Net operating income | $646,000 | 5,085 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,239,000 | 5,182 |
| Total interest expense | $176,000 | 7,973 |
| Net interest income | $2,063,000 | 4,377 |
| Provision for loan and lease losses | $-36,000 | 8,913 |
| Total noninterest income | $256,000 | 5,225 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $190,000 | 3,774 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $66,000 | 5,947 |
| Total noninterest expense | $1,721,000 | 4,227 |
| Salaries and employee benefits | $971,000 | 4,077 |
| Premises and equipment expense | $248,000 | 4,102 |
| Additional noninterest expense | $502,000 | 4,297 |
| Pre-tax net operating income | $634,000 | 4,691 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $251,000 | 3,386 |
| Income before extraordinary items | $383,000 | 5,425 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $383,000 | 5,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 488 |
| Net operating income | $383,000 | 5,335 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,086,000 | 5,316 |
| Total interest expense | $85,000 | 8,087 |
| Net interest income | $1,001,000 | 4,477 |
| Provision for loan and lease losses | $-35,000 | 8,984 |
| Total noninterest income | $134,000 | 5,061 |
| 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 | $29,000 | 6,170 |
| Total noninterest expense | $878,000 | 4,167 |
| Salaries and employee benefits | $492,000 | 4,060 |
| Premises and equipment expense | $128,000 | 4,030 |
| Additional noninterest expense | $258,000 | 4,212 |
| Pre-tax net operating income | $292,000 | 4,872 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $117,000 | 3,528 |
| Income before extraordinary items | $175,000 | 5,661 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $175,000 | 5,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $175,000 | 5,540 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,767,000 | 5,058 |
| Total interest expense | $444,000 | 7,960 |
| Net interest income | $4,323,000 | 4,129 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $559,000 | 5,143 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $421,000 | 3,534 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $138,000 | 5,969 |
| Total noninterest expense | $3,564,000 | 4,046 |
| Salaries and employee benefits | $2,087,000 | 3,791 |
| Premises and equipment expense | $532,000 | 3,874 |
| Additional noninterest expense | $945,000 | 4,456 |
| Pre-tax net operating income | $1,318,000 | 4,441 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $518,000 | 3,315 |
| Income before extraordinary items | $800,000 | 5,245 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $800,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,477 |
| Cash dividends | $317,000 | 4,283 |
| Sale, conversion, retirement of capital stock, net | $302,000 | 544 |
| Net operating income | $800,000 | 5,075 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,619,000 | 5,072 |
| Total interest expense | $351,000 | 8,011 |
| Net interest income | $3,268,000 | 4,118 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $410,000 | 5,246 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $312,000 | 3,579 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $98,000 | 6,119 |
| Total noninterest expense | $2,556,000 | 4,195 |
| Salaries and employee benefits | $1,461,000 | 4,010 |
| Premises and equipment expense | $402,000 | 3,837 |
| Additional noninterest expense | $693,000 | 4,503 |
| Pre-tax net operating income | $1,122,000 | 4,263 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $445,000 | 3,231 |
| Income before extraordinary items | $677,000 | 5,075 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $677,000 | 5,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,344 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 552 |
| Net operating income | $677,000 | 4,892 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,460,000 | 5,043 |
| Total interest expense | $248,000 | 8,022 |
| Net interest income | $2,212,000 | 4,066 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $274,000 | 5,225 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $208,000 | 3,524 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $66,000 | 6,086 |
| Total noninterest expense | $1,699,000 | 4,192 |
| Salaries and employee benefits | $985,000 | 3,965 |
| Premises and equipment expense | $264,000 | 3,865 |
| Additional noninterest expense | $450,000 | 4,599 |
| Pre-tax net operating income | $787,000 | 4,103 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $313,000 | 3,162 |
| Income before extraordinary items | $474,000 | 4,933 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $474,000 | 4,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,223 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 470 |
| Net operating income | $474,000 | 4,728 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 5,058 |
| Total interest expense | $128,000 | 8,066 |
| Net interest income | $1,108,000 | 4,080 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $137,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $106,000 | 3,394 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $839,000 | 4,217 |
| Salaries and employee benefits | $489,000 | 3,968 |
| Premises and equipment expense | $133,000 | 3,855 |
| Additional noninterest expense | $217,000 | 4,673 |
| Pre-tax net operating income | $406,000 | 3,997 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $161,000 | 3,103 |
| Income before extraordinary items | $245,000 | 4,772 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $245,000 | 4,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $245,000 | 4,577 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,441,000 | 4,884 |
| Total interest expense | $668,000 | 7,904 |
| Net interest income | $4,773,000 | 3,802 |
| Provision for loan and lease losses | $127,000 | 5,244 |
| Total noninterest income | $707,000 | 4,311 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $548,000 | 2,747 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $159,000 | 5,480 |
| Total noninterest expense | $3,500,000 | 3,975 |
| Salaries and employee benefits | $2,092,000 | 3,598 |
| Premises and equipment expense | $537,000 | 3,736 |
| Additional noninterest expense | $871,000 | 4,649 |
| Pre-tax net operating income | $1,853,000 | 3,599 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $749,000 | 2,710 |
| Income before extraordinary items | $1,104,000 | 4,313 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,104,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $292,000 | 4,385 |
| Sale, conversion, retirement of capital stock, net | $318,000 | 524 |
| Net operating income | $1,104,000 | 4,207 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,059,000 | 4,927 |
| Total interest expense | $1,425,000 | 7,137 |
| Net interest income | $4,634,000 | 3,657 |
| Provision for loan and lease losses | $190,000 | 4,243 |
| Total noninterest income | $526,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $357,000 | 3,708 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $169,000 | 5,279 |
| Total noninterest expense | $3,135,000 | 4,192 |
| Salaries and employee benefits | $1,692,000 | 4,119 |
| Premises and equipment expense | $491,000 | 3,933 |
| Additional noninterest expense | $952,000 | 4,227 |
| Pre-tax net operating income | $1,835,000 | 3,382 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $729,000 | 2,595 |
| Income before extraordinary items | $1,106,000 | 4,016 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,106,000 | 4,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $226,000 | 4,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,106,000 | 3,894 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,914,000 | 5,136 |
| Total interest expense | $1,502,000 | 7,160 |
| Net interest income | $4,412,000 | 3,873 |
| Provision for loan and lease losses | $175,000 | 4,079 |
| Total noninterest income | $460,000 | 5,125 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $318,000 | 3,887 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 5,618 |
| Total noninterest expense | $3,122,000 | 4,095 |
| Salaries and employee benefits | $1,632,000 | 4,085 |
| Premises and equipment expense | $503,000 | 3,768 |
| Additional noninterest expense | $987,000 | 4,036 |
| Pre-tax net operating income | $1,575,000 | 3,935 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $624,000 | 3,021 |
| Income before extraordinary items | $951,000 | 4,528 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $951,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $251,000 | 4,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $951,000 | 4,523 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,755,000 | 5,744 |
| Total interest expense | $1,154,000 | 7,766 |
| Net interest income | $3,601,000 | 4,552 |
| Provision for loan and lease losses | $117,000 | 4,922 |
| Total noninterest income | $417,000 | 5,485 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $292,000 | 4,065 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,074 |
| Total noninterest expense | $2,884,000 | 4,344 |
| Salaries and employee benefits | $1,379,000 | 4,639 |
| Premises and equipment expense | $479,000 | 3,912 |
| Additional noninterest expense | $1,026,000 | 3,934 |
| Pre-tax net operating income | $1,017,000 | 5,259 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $397,000 | 4,192 |
| Income before extraordinary items | $620,000 | 5,801 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $620,000 | 5,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $450,000 | 3,697 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 914 |
| Net operating income | $620,000 | 5,773 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,438,000 | 6,108 |
| Total interest expense | $1,144,000 | 8,045 |
| Net interest income | $3,294,000 | 4,815 |
| Provision for loan and lease losses | $19,000 | 7,809 |
| Total noninterest income | $318,000 | 6,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,596 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,301 |
| Total noninterest expense | $2,738,000 | 4,462 |
| Salaries and employee benefits | $1,247,000 | 4,921 |
| Premises and equipment expense | $460,000 | 3,932 |
| Additional noninterest expense | $1,031,000 | 3,860 |
| Pre-tax net operating income | $855,000 | 5,886 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $350,000 | 4,764 |
| Income before extraordinary items | $505,000 | 6,579 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $505,000 | 6,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $206,000 | 5,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $505,000 | 6,463 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,839,000 | 6,808 |
| Total interest expense | $881,000 | 9,025 |
| Net interest income | $2,958,000 | 5,356 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $307,000 | 6,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 4,994 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,280 |
| Total noninterest expense | $2,585,000 | 4,657 |
| Salaries and employee benefits | $1,143,000 | 5,300 |
| Premises and equipment expense | $437,000 | 4,138 |
| Additional noninterest expense | $1,005,000 | 3,884 |
| Pre-tax net operating income | $680,000 | 7,054 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $276,000 | 5,959 |
| Income before extraordinary items | $404,000 | 7,607 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $404,000 | 7,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $125,000 | 6,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $404,000 | 7,552 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,275,000 | 7,627 |
| Total interest expense | $710,000 | 9,938 |
| Net interest income | $2,565,000 | 6,086 |
| Provision for loan and lease losses | $309,000 | 2,513 |
| Total noninterest income | $362,000 | 6,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,273 |
| Total noninterest expense | $2,367,000 | 5,233 |
| Salaries and employee benefits | $1,095,000 | 5,600 |
| Premises and equipment expense | $448,000 | 4,127 |
| Additional noninterest expense | $824,000 | 5,096 |
| Pre-tax net operating income | $251,000 | 9,478 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $99,000 | 8,762 |
| Income before extraordinary items | $152,000 | 9,772 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $152,000 | 9,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 1,758 |
| Cash dividends | $124,000 | 6,359 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 861 |
| Net operating income | $152,000 | 9,711 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,159,000 | 7,998 |
| Total interest expense | $709,000 | 10,277 |
| Net interest income | $2,450,000 | 6,402 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $307,000 | 7,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 5,087 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,396 |
| Total noninterest expense | $2,303,000 | 5,352 |
| Salaries and employee benefits | $1,121,000 | 5,519 |
| Premises and equipment expense | $448,000 | 4,129 |
| Additional noninterest expense | $734,000 | 5,633 |
| Pre-tax net operating income | $454,000 | 8,728 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $190,000 | 7,597 |
| Income before extraordinary items | $264,000 | 9,282 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $264,000 | 9,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,878 |
| Cash dividends | $205,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 700 |
| Net operating income | $264,000 | 9,258 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,844,000 | 8,332 |
| Total interest expense | $542,000 | 10,900 |
| Net interest income | $2,302,000 | 6,859 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $345,000 | 6,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $270,000 | 4,752 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,448 |
| Total noninterest expense | $2,132,000 | 5,892 |
| Salaries and employee benefits | $1,026,000 | 5,963 |
| Premises and equipment expense | $362,000 | 4,971 |
| Additional noninterest expense | $744,000 | 6,034 |
| Pre-tax net operating income | $515,000 | 8,557 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $213,000 | 7,131 |
| Income before extraordinary items | $302,000 | 9,121 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $302,000 | 9,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 11,116 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 925 |
| Net operating income | $302,000 | 9,196 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,659,000 | 8,890 |
| Total interest expense | $529,000 | 11,541 |
| Net interest income | $2,130,000 | 7,356 |
| Provision for loan and lease losses | $200,000 | 3,901 |
| Total noninterest income | $309,000 | 7,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,922 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,262 |
| Total noninterest expense | $1,965,000 | 6,436 |
| Salaries and employee benefits | $1,001,000 | 6,130 |
| Premises and equipment expense | $312,000 | 5,663 |
| Additional noninterest expense | $652,000 | 6,923 |
| Pre-tax net operating income | $274,000 | 10,441 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $113,000 | 9,447 |
| Income before extraordinary items | $161,000 | 11,069 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $161,000 | 11,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 8,222 |
| Cash dividends | $202,000 | 5,352 |
| Sale, conversion, retirement of capital stock, net | $180,000 | 806 |
| Net operating income | $161,000 | 10,861 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,866,000 | 9,212 |
| Total interest expense | $745,000 | 11,603 |
| Net interest income | $2,121,000 | 7,439 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $305,000 | 7,658 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,984 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 10,722 |
| Total noninterest expense | $1,770,000 | 7,044 |
| Salaries and employee benefits | $890,000 | 6,679 |
| Premises and equipment expense | $309,000 | 5,841 |
| Additional noninterest expense | $571,000 | 7,765 |
| Pre-tax net operating income | $656,000 | 7,351 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $270,000 | 6,362 |
| Income before extraordinary items | $386,000 | 8,360 |
| Extraordinary gains, net | $30,000 | 1,127 |
| Net income | $416,000 | 8,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 8,076 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 983 |
| Net operating income | $386,000 | 8,003 |
* 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.