Home > Heritage Community Bank > Income and Expense
Heritage Community Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,356,000 | 1,974 |
| Total interest expense | $3,868,000 | 2,097 |
| Net interest income | $10,488,000 | 1,940 |
| Provision for loan and lease losses | $498,000 | 1,971 |
| Total noninterest income | $4,764,000 | 1,125 |
| Gross Fiduciary activities income | $18,000 | 1,217 |
| Service charges on deposit accounts | $1,235,000 | 1,421 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,511,000 | 874 |
| Total noninterest expense | $13,489,000 | 1,212 |
| Salaries and employee benefits | $7,247,000 | 1,198 |
| Premises and equipment expense | $1,230,000 | 1,869 |
| Additional noninterest expense | $5,012,000 | 1,006 |
| Pre-tax net operating income | $1,265,000 | 4,664 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $286,000 | 4,248 |
| Income before extraordinary items | $979,000 | 4,759 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $979,000 | 4,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $670,000 | 1,055 |
| Cash dividends | $400,000 | 3,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $979,000 | 4,681 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,789,000 | 1,949 |
| Total interest expense | $2,916,000 | 2,047 |
| Net interest income | $7,873,000 | 1,911 |
| Provision for loan and lease losses | $125,000 | 3,916 |
| Total noninterest income | $3,519,000 | 1,146 |
| Gross Fiduciary activities income | $12,000 | 1,215 |
| Service charges on deposit accounts | $943,000 | 1,413 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,564,000 | 898 |
| Total noninterest expense | $9,725,000 | 1,265 |
| Salaries and employee benefits | $5,398,000 | 1,210 |
| Premises and equipment expense | $852,000 | 2,029 |
| Additional noninterest expense | $3,475,000 | 1,061 |
| Pre-tax net operating income | $1,542,000 | 3,509 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $447,000 | 3,096 |
| Income before extraordinary items | $1,095,000 | 3,782 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,095,000 | 3,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 963 |
| Cash dividends | $400,000 | 3,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,095,000 | 3,712 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,278,000 | 1,923 |
| Total interest expense | $1,971,000 | 1,998 |
| Net interest income | $5,307,000 | 1,883 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $2,417,000 | 1,117 |
| Gross Fiduciary activities income | $7,000 | 1,247 |
| Service charges on deposit accounts | $631,000 | 1,403 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,779,000 | 871 |
| Total noninterest expense | $6,315,000 | 1,298 |
| Salaries and employee benefits | $3,384,000 | 1,291 |
| Premises and equipment expense | $543,000 | 2,106 |
| Additional noninterest expense | $2,388,000 | 1,036 |
| Pre-tax net operating income | $1,284,000 | 2,951 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $376,000 | 2,670 |
| Income before extraordinary items | $908,000 | 3,190 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $908,000 | 3,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 763 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $908,000 | 3,104 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,724,000 | 1,889 |
| Total interest expense | $1,027,000 | 1,944 |
| Net interest income | $2,697,000 | 1,849 |
| Provision for loan and lease losses | $125,000 | 1,741 |
| Total noninterest income | $1,272,000 | 1,040 |
| Gross Fiduciary activities income | $3,000 | 1,247 |
| Service charges on deposit accounts | $313,000 | 1,369 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $956,000 | 810 |
| Total noninterest expense | $3,082,000 | 1,336 |
| Salaries and employee benefits | $1,649,000 | 1,346 |
| Premises and equipment expense | $281,000 | 2,061 |
| Additional noninterest expense | $1,152,000 | 1,062 |
| Pre-tax net operating income | $762,000 | 2,521 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $253,000 | 2,182 |
| Income before extraordinary items | $509,000 | 2,901 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $509,000 | 2,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 684 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $509,000 | 2,803 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,489,000 | 1,557 |
| Total interest expense | $5,436,000 | 1,663 |
| Net interest income | $13,053,000 | 1,490 |
| Provision for loan and lease losses | $7,345,000 | 248 |
| Total noninterest income | $8,482,000 | 746 |
| Gross Fiduciary activities income | $38,000 | 1,132 |
| Service charges on deposit accounts | $1,488,000 | 1,161 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,956,000 | 583 |
| Total noninterest expense | $11,603,000 | 1,381 |
| Salaries and employee benefits | $6,253,000 | 1,371 |
| Premises and equipment expense | $823,000 | 2,686 |
| Additional noninterest expense | $4,527,000 | 1,124 |
| Pre-tax net operating income | $2,587,000 | 2,815 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $843,000 | 2,443 |
| Income before extraordinary items | $1,744,000 | 3,180 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,744,000 | 3,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,265,000 | 218 |
| Cash dividends | $2,433,000 | 1,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,744,000 | 3,032 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,247,000 | 1,539 |
| Total interest expense | $4,232,000 | 1,671 |
| Net interest income | $10,015,000 | 1,469 |
| Provision for loan and lease losses | $2,845,000 | 407 |
| Total noninterest income | $3,305,000 | 1,283 |
| Gross Fiduciary activities income | $29,000 | 1,117 |
| Service charges on deposit accounts | $1,099,000 | 1,195 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,177,000 | 1,161 |
| Total noninterest expense | $8,679,000 | 1,399 |
| Salaries and employee benefits | $3,578,000 | 1,815 |
| Premises and equipment expense | $613,000 | 2,723 |
| Additional noninterest expense | $4,488,000 | 865 |
| Pre-tax net operating income | $1,796,000 | 3,081 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $566,000 | 2,782 |
| Income before extraordinary items | $1,230,000 | 3,427 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,230,000 | 3,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,120,000 | 315 |
| Cash dividends | $2,433,000 | 869 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,230,000 | 3,262 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,782,000 | 1,512 |
| Total interest expense | $2,926,000 | 1,663 |
| Net interest income | $6,856,000 | 1,425 |
| Provision for loan and lease losses | $1,295,000 | 537 |
| Total noninterest income | $2,253,000 | 1,248 |
| Gross Fiduciary activities income | $14,000 | 1,176 |
| Service charges on deposit accounts | $710,000 | 1,217 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,529,000 | 1,121 |
| Total noninterest expense | $5,597,000 | 1,439 |
| Salaries and employee benefits | $2,835,000 | 1,519 |
| Premises and equipment expense | $401,000 | 2,757 |
| Additional noninterest expense | $2,361,000 | 1,071 |
| Pre-tax net operating income | $2,217,000 | 1,869 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $806,000 | 1,609 |
| Income before extraordinary items | $1,411,000 | 2,217 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,411,000 | 2,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,278,000 | 446 |
| Cash dividends | $2,433,000 | 624 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,411,000 | 2,101 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,006,000 | 1,485 |
| Total interest expense | $1,513,000 | 1,635 |
| Net interest income | $3,493,000 | 1,402 |
| Provision for loan and lease losses | $310,000 | 890 |
| Total noninterest income | $1,084,000 | 1,272 |
| Gross Fiduciary activities income | $3,000 | 1,293 |
| Service charges on deposit accounts | $345,000 | 1,204 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $736,000 | 1,122 |
| Total noninterest expense | $2,732,000 | 1,456 |
| Salaries and employee benefits | $1,394,000 | 1,532 |
| Premises and equipment expense | $201,000 | 2,744 |
| Additional noninterest expense | $1,137,000 | 1,088 |
| Pre-tax net operating income | $1,535,000 | 1,398 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $571,000 | 1,229 |
| Income before extraordinary items | $964,000 | 1,665 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $964,000 | 1,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 664 |
| Cash dividends | $1,168,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $964,000 | 1,561 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,800,000 | 1,341 |
| Total interest expense | $7,410,000 | 1,532 |
| Net interest income | $15,390,000 | 1,245 |
| Provision for loan and lease losses | $610,000 | 2,028 |
| Total noninterest income | $3,515,000 | 1,376 |
| Gross Fiduciary activities income | $67,000 | 1,063 |
| Service charges on deposit accounts | $1,506,000 | 1,068 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,942,000 | 1,340 |
| Total noninterest expense | $10,184,000 | 1,518 |
| Salaries and employee benefits | $5,206,000 | 1,560 |
| Premises and equipment expense | $814,000 | 2,646 |
| Additional noninterest expense | $4,164,000 | 1,171 |
| Pre-tax net operating income | $8,111,000 | 1,045 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,940,000 | 939 |
| Income before extraordinary items | $5,171,000 | 1,214 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,171,000 | 1,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,143,000 | 846 |
| Cash dividends | $4,549,000 | 670 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,171,000 | 1,165 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,486,000 | 1,198 |
| Total interest expense | $12,813,000 | 1,269 |
| Net interest income | $15,673,000 | 1,133 |
| Provision for loan and lease losses | $538,000 | 2,092 |
| Total noninterest income | $2,166,000 | 1,897 |
| Gross Fiduciary activities income | $74,000 | 1,061 |
| Service charges on deposit accounts | $1,469,000 | 1,012 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $623,000 | 2,766 |
| Total noninterest expense | $9,413,000 | 1,560 |
| Salaries and employee benefits | $4,567,000 | 1,645 |
| Premises and equipment expense | $980,000 | 2,183 |
| Additional noninterest expense | $3,866,000 | 1,226 |
| Pre-tax net operating income | $7,888,000 | 958 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $3,125,000 | 813 |
| Income before extraordinary items | $4,769,000 | 1,142 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,769,000 | 1,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 2,237 |
| Cash dividends | $5,977,000 | 539 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,765,160 | 1,102 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,046,000 | 4,564 |
| Total interest expense | $3,348,000 | 4,530 |
| Net interest income | $3,698,000 | 4,440 |
| Provision for loan and lease losses | $211,000 | 3,618 |
| Total noninterest income | $370,000 | 5,755 |
| Gross Fiduciary activities income | $1,000 | 1,318 |
| Service charges on deposit accounts | $385,000 | 3,344 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-16,000 | 9,909 |
| Total noninterest expense | $2,088,000 | 5,526 |
| Salaries and employee benefits | $1,099,000 | 5,559 |
| Premises and equipment expense | $224,000 | 6,399 |
| Additional noninterest expense | $765,000 | 4,879 |
| Pre-tax net operating income | $1,769,000 | 3,610 |
| Securities gains (losses) | $9,000 | 1,192 |
| Applicable income taxes | $673,000 | 2,881 |
| Income before extraordinary items | $1,105,000 | 4,087 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,105,000 | 4,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,871 |
| Cash dividends | $685,000 | 2,969 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,099,240 | 4,114 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,538,000 | 5,903 |
| Total interest expense | $1,800,000 | 6,360 |
| Net interest income | $2,738,000 | 5,492 |
| Provision for loan and lease losses | $97,000 | 5,320 |
| Total noninterest income | $354,000 | 5,975 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $282,000 | 4,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 7,365 |
| Total noninterest expense | $1,539,000 | 6,674 |
| Salaries and employee benefits | $885,000 | 6,380 |
| Premises and equipment expense | $183,000 | 7,076 |
| Additional noninterest expense | $471,000 | 6,739 |
| Pre-tax net operating income | $1,456,000 | 4,182 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $520,000 | 3,551 |
| Income before extraordinary items | $940,000 | 4,614 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $940,000 | 4,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,565 |
| Cash dividends | $346,000 | 4,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $937,440 | 4,588 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,262,000 | 6,254 |
| Total interest expense | $1,676,000 | 6,816 |
| Net interest income | $2,586,000 | 5,709 |
| Provision for loan and lease losses | $142,000 | 4,297 |
| Total noninterest income | $395,000 | 5,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 4,927 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $179,000 | 5,250 |
| Total noninterest expense | $1,511,000 | 6,658 |
| Salaries and employee benefits | $894,000 | 6,232 |
| Premises and equipment expense | $188,000 | 6,902 |
| Additional noninterest expense | $429,000 | 6,987 |
| Pre-tax net operating income | $1,328,000 | 4,554 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $423,000 | 4,277 |
| Income before extraordinary items | $907,000 | 4,797 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $907,000 | 4,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,015 |
| Cash dividends | $2,541,000 | 1,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $905,640 | 4,711 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,064,000 | 6,602 |
| Total interest expense | $1,631,000 | 7,045 |
| Net interest income | $2,433,000 | 6,151 |
| Provision for loan and lease losses | $71,000 | 5,899 |
| Total noninterest income | $251,000 | 7,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 5,610 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,765 |
| Total noninterest expense | $1,363,000 | 7,140 |
| Salaries and employee benefits | $820,000 | 6,678 |
| Premises and equipment expense | $199,000 | 6,876 |
| Additional noninterest expense | $344,000 | 7,861 |
| Pre-tax net operating income | $1,250,000 | 5,099 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $404,000 | 4,858 |
| Income before extraordinary items | $850,000 | 5,254 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $850,000 | 5,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,655 |
| Cash dividends | $3,026,000 | 922 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $847,280 | 5,211 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,935,000 | 6,929 |
| Total interest expense | $1,613,000 | 7,297 |
| Net interest income | $2,322,000 | 6,525 |
| Provision for loan and lease losses | $118,000 | 4,759 |
| Total noninterest income | $191,000 | 8,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,279 |
| Total noninterest expense | $1,178,000 | 8,043 |
| Salaries and employee benefits | $730,000 | 7,355 |
| Premises and equipment expense | $147,000 | 8,133 |
| Additional noninterest expense | $301,000 | 8,872 |
| Pre-tax net operating income | $1,217,000 | 5,076 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $383,000 | 5,029 |
| Income before extraordinary items | $839,000 | 5,120 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $839,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,880 |
| Cash dividends | $1,342,000 | 1,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $835,550 | 5,080 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,787,000 | 7,220 |
| Total interest expense | $1,623,000 | 7,350 |
| Net interest income | $2,164,000 | 6,947 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $138,000 | 9,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,521 |
| Total noninterest expense | $1,254,000 | 8,024 |
| Salaries and employee benefits | $670,000 | 7,926 |
| Premises and equipment expense | $130,000 | 8,799 |
| Additional noninterest expense | $454,000 | 7,674 |
| Pre-tax net operating income | $923,000 | 6,308 |
| Securities gains (losses) | $-104,000 | 11,503 |
| Applicable income taxes | $236,000 | 6,858 |
| Income before extraordinary items | $583,000 | 6,713 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $583,000 | 6,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $209,000 | 5,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $656,840 | 6,244 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,534,000 | 7,279 |
| Total interest expense | $1,473,000 | 6,966 |
| Net interest income | $2,061,000 | 7,424 |
| Provision for loan and lease losses | $28,000 | 7,286 |
| Total noninterest income | $148,000 | 9,743 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 7,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 10,213 |
| Total noninterest expense | $1,179,000 | 8,695 |
| Salaries and employee benefits | $606,000 | 8,572 |
| Premises and equipment expense | $118,000 | 9,449 |
| Additional noninterest expense | $455,000 | 8,271 |
| Pre-tax net operating income | $1,002,000 | 5,945 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $299,000 | 5,888 |
| Income before extraordinary items | $703,000 | 5,884 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $703,000 | 5,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,099 |
| Cash dividends | $247,000 | 5,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $703,000 | 5,948 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,586,000 | 7,415 |
| Total interest expense | $1,499,000 | 7,207 |
| Net interest income | $2,087,000 | 7,446 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $164,000 | 9,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,898 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,323 |
| Total noninterest expense | $1,041,000 | 9,559 |
| Salaries and employee benefits | $585,000 | 8,939 |
| Premises and equipment expense | $106,000 | 10,264 |
| Additional noninterest expense | $350,000 | 9,838 |
| Pre-tax net operating income | $1,205,000 | 5,165 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $298,000 | 6,108 |
| Income before extraordinary items | $911,000 | 5,048 |
| Extraordinary gains, net | $-34,000 | 12,593 |
| Net income | $877,000 | 5,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 11,621 |
| Cash dividends | $239,000 | 5,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $908,000 | 4,833 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,717,000 | 7,881 |
| Total interest expense | $1,820,000 | 7,568 |
| Net interest income | $1,897,000 | 8,049 |
| Provision for loan and lease losses | $28,000 | 10,112 |
| Total noninterest income | $141,000 | 10,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $105,000 | 8,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 11,337 |
| Total noninterest expense | $979,000 | 10,079 |
| Salaries and employee benefits | $543,000 | 9,340 |
| Premises and equipment expense | $98,000 | 10,802 |
| Additional noninterest expense | $338,000 | 10,340 |
| Pre-tax net operating income | $1,031,000 | 5,504 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $253,000 | 6,602 |
| Income before extraordinary items | $779,000 | 5,472 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $779,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $224,000 | 4,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $778,250 | 5,159 |
* 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.