Home Bank, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,020,000 | 6,855 |
| Total interest expense | $1,494,000 | 7,592 |
| Net interest income | $2,526,000 | 6,152 |
| Provision for loan and lease losses | $117,000 | 4,776 |
| Total noninterest income | $431,000 | 5,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $303,000 | 4,197 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,422 |
| Total noninterest expense | $1,815,000 | 6,352 |
| Salaries and employee benefits | $1,001,000 | 5,982 |
| Premises and equipment expense | $369,000 | 4,844 |
| Additional noninterest expense | $445,000 | 7,510 |
| Pre-tax net operating income | $1,025,000 | 5,644 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $369,000 | 5,144 |
| Income before extraordinary items | $656,000 | 5,966 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $656,000 | 5,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,754 |
| Cash dividends | $133,000 | 6,250 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 716 |
| Net operating income | $656,000 | 5,907 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,994,000 | 7,007 |
| Total interest expense | $1,445,000 | 7,837 |
| Net interest income | $2,549,000 | 6,224 |
| Provision for loan and lease losses | $81,000 | 5,069 |
| Total noninterest income | $475,000 | 5,376 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,381 |
| Total noninterest expense | $1,861,000 | 6,322 |
| Salaries and employee benefits | $1,056,000 | 5,783 |
| Premises and equipment expense | $349,000 | 5,039 |
| Additional noninterest expense | $456,000 | 7,647 |
| Pre-tax net operating income | $1,082,000 | 5,664 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $401,000 | 4,948 |
| Income before extraordinary items | $681,000 | 6,112 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $681,000 | 6,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $132,000 | 6,311 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 611 |
| Net operating income | $681,000 | 6,084 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,243,000 | 7,706 |
| Total interest expense | $1,046,000 | 8,496 |
| Net interest income | $2,197,000 | 7,095 |
| Provision for loan and lease losses | $91,000 | 4,757 |
| Total noninterest income | $423,000 | 5,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,774 |
| Total noninterest expense | $1,744,000 | 6,853 |
| Salaries and employee benefits | $957,000 | 6,320 |
| Premises and equipment expense | $337,000 | 5,213 |
| Additional noninterest expense | $450,000 | 8,314 |
| Pre-tax net operating income | $785,000 | 6,948 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $301,000 | 5,865 |
| Income before extraordinary items | $484,000 | 7,434 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $484,000 | 7,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $96,000 | 7,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $484,000 | 7,473 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,025,000 | 8,296 |
| Total interest expense | $1,008,000 | 9,074 |
| Net interest income | $2,017,000 | 7,622 |
| Provision for loan and lease losses | $121,000 | 5,179 |
| Total noninterest income | $346,000 | 7,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,596 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 9,584 |
| Total noninterest expense | $1,657,000 | 7,334 |
| Salaries and employee benefits | $890,000 | 6,774 |
| Premises and equipment expense | $333,000 | 5,419 |
| Additional noninterest expense | $434,000 | 8,884 |
| Pre-tax net operating income | $585,000 | 8,052 |
| Securities gains (losses) | $54,000 | 3,285 |
| Applicable income taxes | $245,000 | 6,880 |
| Income before extraordinary items | $394,000 | 8,491 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $394,000 | 8,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,933 |
| Cash dividends | $68,000 | 7,562 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 1,052 |
| Net operating income | $359,440 | 8,578 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,154,000 | 8,710 |
| Total interest expense | $1,291,000 | 9,275 |
| Net interest income | $1,863,000 | 8,158 |
| Provision for loan and lease losses | $252,000 | 4,565 |
| Total noninterest income | $316,000 | 7,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $295,000 | 4,505 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 12,470 |
| Total noninterest expense | $1,662,000 | 7,365 |
| Salaries and employee benefits | $858,000 | 6,880 |
| Premises and equipment expense | $286,000 | 6,184 |
| Additional noninterest expense | $518,000 | 8,280 |
| Pre-tax net operating income | $265,000 | 10,470 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $96,000 | 10,025 |
| Income before extraordinary items | $171,000 | 10,975 |
| Extraordinary gains, net | $-15,000 | 13,492 |
| Net income | $156,000 | 11,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 4,574 |
| Cash dividends | $59,000 | 7,502 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,038 |
| Net operating income | $169,720 | 10,674 |
* 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.