Home > Horizon Capital Bank > Income and Expense
Horizon Capital Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,397,000 | 1,395 |
| Total interest expense | $3,960,000 | 2,011 |
| Net interest income | $13,437,000 | 1,186 |
| Provision for loan and lease losses | $343,000 | 1,979 |
| Total noninterest income | $1,078,000 | 2,762 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $616,000 | 2,058 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $462,000 | 3,026 |
| Total noninterest expense | $10,184,000 | 1,257 |
| Salaries and employee benefits | $5,338,000 | 1,300 |
| Premises and equipment expense | $1,088,000 | 1,680 |
| Additional noninterest expense | $3,758,000 | 1,023 |
| Pre-tax net operating income | $3,988,000 | 1,770 |
| Securities gains (losses) | $-15,000 | 8,058 |
| Applicable income taxes | $1,369,000 | 1,479 |
| Income before extraordinary items | $2,604,000 | 1,993 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,604,000 | 1,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,181 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $5,384,000 | 207 |
| Net operating income | $2,613,900 | 1,953 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,137,000 | 1,412 |
| Total interest expense | $2,583,000 | 1,933 |
| Net interest income | $8,554,000 | 1,242 |
| Provision for loan and lease losses | $232,000 | 1,915 |
| Total noninterest income | $812,000 | 2,512 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $413,000 | 2,017 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $399,000 | 2,544 |
| Total noninterest expense | $5,643,000 | 1,502 |
| Salaries and employee benefits | $3,121,000 | 1,484 |
| Premises and equipment expense | $663,000 | 1,800 |
| Additional noninterest expense | $1,859,000 | 1,341 |
| Pre-tax net operating income | $3,491,000 | 1,341 |
| Securities gains (losses) | $-15,000 | 8,274 |
| Applicable income taxes | $1,137,000 | 1,226 |
| Income before extraordinary items | $2,339,000 | 1,484 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,339,000 | 1,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,769 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $266,000 | 345 |
| Net operating income | $2,349,050 | 1,453 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,425,000 | 1,420 |
| Total interest expense | $1,254,000 | 1,893 |
| Net interest income | $4,171,000 | 1,274 |
| Provision for loan and lease losses | $152,000 | 1,372 |
| Total noninterest income | $485,000 | 2,181 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $212,000 | 1,908 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $273,000 | 2,011 |
| Total noninterest expense | $2,738,000 | 1,546 |
| Salaries and employee benefits | $1,580,000 | 1,469 |
| Premises and equipment expense | $327,000 | 1,835 |
| Additional noninterest expense | $831,000 | 1,497 |
| Pre-tax net operating income | $1,766,000 | 1,301 |
| Securities gains (losses) | $-15,000 | 8,617 |
| Applicable income taxes | $571,000 | 1,200 |
| Income before extraordinary items | $1,180,000 | 1,436 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,180,000 | 1,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,216 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 299 |
| Net operating income | $1,190,050 | 1,399 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,263,000 | 1,499 |
| Total interest expense | $4,646,000 | 1,750 |
| Net interest income | $14,617,000 | 1,383 |
| Provision for loan and lease losses | $555,000 | 1,797 |
| Total noninterest income | $1,370,000 | 2,856 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,016,000 | 1,734 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $354,000 | 3,945 |
| Total noninterest expense | $10,485,000 | 1,555 |
| Salaries and employee benefits | $6,413,000 | 1,384 |
| Premises and equipment expense | $1,303,000 | 1,772 |
| Additional noninterest expense | $2,769,000 | 1,755 |
| Pre-tax net operating income | $4,947,000 | 1,717 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,600,000 | 1,531 |
| Income before extraordinary items | $3,347,000 | 1,889 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,347,000 | 1,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 2,094 |
| Cash dividends | $825,000 | 2,652 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 807 |
| Net operating income | $3,347,000 | 1,843 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,176,000 | 1,511 |
| Total interest expense | $3,414,000 | 1,756 |
| Net interest income | $10,762,000 | 1,393 |
| Provision for loan and lease losses | $479,000 | 1,501 |
| Total noninterest income | $1,000,000 | 2,928 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $772,000 | 1,727 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $228,000 | 4,244 |
| Total noninterest expense | $7,515,000 | 1,616 |
| Salaries and employee benefits | $4,550,000 | 1,455 |
| Premises and equipment expense | $968,000 | 1,790 |
| Additional noninterest expense | $1,997,000 | 1,794 |
| Pre-tax net operating income | $3,768,000 | 1,708 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,220,000 | 1,523 |
| Income before extraordinary items | $2,548,000 | 1,870 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,548,000 | 1,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 1,983 |
| Cash dividends | $825,000 | 1,976 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 691 |
| Net operating income | $2,548,000 | 1,823 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,241,000 | 1,534 |
| Total interest expense | $2,199,000 | 1,802 |
| Net interest income | $7,042,000 | 1,404 |
| Provision for loan and lease losses | $448,000 | 1,127 |
| Total noninterest income | $688,000 | 2,873 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $520,000 | 1,682 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $168,000 | 4,095 |
| Total noninterest expense | $4,935,000 | 1,642 |
| Salaries and employee benefits | $3,018,000 | 1,468 |
| Premises and equipment expense | $628,000 | 1,829 |
| Additional noninterest expense | $1,289,000 | 1,852 |
| Pre-tax net operating income | $2,347,000 | 1,788 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $758,000 | 1,597 |
| Income before extraordinary items | $1,589,000 | 1,972 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,589,000 | 1,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,968 |
| Cash dividends | $824,000 | 1,493 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 587 |
| Net operating income | $1,589,000 | 1,918 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,523,000 | 1,557 |
| Total interest expense | $1,100,000 | 1,820 |
| Net interest income | $3,423,000 | 1,459 |
| Provision for loan and lease losses | $174,000 | 1,301 |
| Total noninterest income | $345,000 | 2,811 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $257,000 | 1,658 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $88,000 | 3,993 |
| Total noninterest expense | $2,388,000 | 1,698 |
| Salaries and employee benefits | $1,488,000 | 1,494 |
| Premises and equipment expense | $298,000 | 1,946 |
| Additional noninterest expense | $602,000 | 1,971 |
| Pre-tax net operating income | $1,206,000 | 1,703 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $390,000 | 1,587 |
| Income before extraordinary items | $816,000 | 1,917 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $816,000 | 1,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 1,668 |
| Cash dividends | $824,000 | 784 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $816,000 | 1,830 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,328,000 | 1,643 |
| Total interest expense | $4,534,000 | 1,973 |
| Net interest income | $12,794,000 | 1,521 |
| Provision for loan and lease losses | $978,000 | 1,216 |
| Total noninterest income | $1,233,000 | 3,246 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,003,000 | 1,718 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $230,000 | 5,002 |
| Total noninterest expense | $9,262,000 | 1,722 |
| Salaries and employee benefits | $5,775,000 | 1,483 |
| Premises and equipment expense | $1,261,000 | 1,810 |
| Additional noninterest expense | $2,226,000 | 2,170 |
| Pre-tax net operating income | $3,787,000 | 2,057 |
| Securities gains (losses) | $167,000 | 1,465 |
| Applicable income taxes | $1,253,000 | 1,875 |
| Income before extraordinary items | $2,701,000 | 2,237 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,701,000 | 2,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 1,926 |
| Cash dividends | $571,000 | 3,305 |
| Sale, conversion, retirement of capital stock, net | $437,000 | 511 |
| Net operating income | $2,587,440 | 2,203 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,869,000 | 1,693 |
| Total interest expense | $3,414,000 | 2,041 |
| Net interest income | $9,455,000 | 1,547 |
| Provision for loan and lease losses | $817,000 | 1,063 |
| Total noninterest income | $1,000,000 | 3,136 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $738,000 | 1,755 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $262,000 | 4,290 |
| Total noninterest expense | $6,648,000 | 1,793 |
| Salaries and employee benefits | $4,101,000 | 1,582 |
| Premises and equipment expense | $939,000 | 1,835 |
| Additional noninterest expense | $1,608,000 | 2,238 |
| Pre-tax net operating income | $2,990,000 | 2,056 |
| Securities gains (losses) | $105,000 | 1,705 |
| Applicable income taxes | $976,000 | 1,892 |
| Income before extraordinary items | $2,119,000 | 2,207 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,119,000 | 2,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 1,535 |
| Cash dividends | $571,000 | 2,493 |
| Sale, conversion, retirement of capital stock, net | $424,000 | 384 |
| Net operating income | $2,047,600 | 2,170 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,497,000 | 1,726 |
| Total interest expense | $2,266,000 | 2,113 |
| Net interest income | $6,231,000 | 1,564 |
| Provision for loan and lease losses | $620,000 | 958 |
| Total noninterest income | $656,000 | 3,147 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $482,000 | 1,758 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $174,000 | 4,295 |
| Total noninterest expense | $4,376,000 | 1,808 |
| Salaries and employee benefits | $2,691,000 | 1,590 |
| Premises and equipment expense | $607,000 | 1,880 |
| Additional noninterest expense | $1,078,000 | 2,207 |
| Pre-tax net operating income | $1,891,000 | 2,146 |
| Securities gains (losses) | $70,000 | 1,778 |
| Applicable income taxes | $611,000 | 2,019 |
| Income before extraordinary items | $1,350,000 | 2,309 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,350,000 | 2,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,942 |
| Cash dividends | $571,000 | 1,972 |
| Sale, conversion, retirement of capital stock, net | $277,000 | 300 |
| Net operating income | $1,301,700 | 2,257 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,166,000 | 1,766 |
| Total interest expense | $1,106,000 | 2,207 |
| Net interest income | $3,060,000 | 1,598 |
| Provision for loan and lease losses | $380,000 | 765 |
| Total noninterest income | $317,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $236,000 | 1,724 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $81,000 | 4,308 |
| Total noninterest expense | $2,141,000 | 1,832 |
| Salaries and employee benefits | $1,320,000 | 1,612 |
| Premises and equipment expense | $289,000 | 1,962 |
| Additional noninterest expense | $532,000 | 2,203 |
| Pre-tax net operating income | $856,000 | 2,336 |
| Securities gains (losses) | $48,000 | 1,413 |
| Applicable income taxes | $280,000 | 2,147 |
| Income before extraordinary items | $624,000 | 2,441 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $624,000 | 2,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 1,241 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $203,000 | 188 |
| Net operating income | $590,880 | 2,444 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,078,000 | 2,182 |
| Total interest expense | $4,179,000 | 2,648 |
| Net interest income | $9,899,000 | 1,957 |
| Provision for loan and lease losses | $1,010,000 | 1,337 |
| Total noninterest income | $1,326,000 | 2,862 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $970,000 | 1,663 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $356,000 | 3,910 |
| Total noninterest expense | $8,257,000 | 1,833 |
| Salaries and employee benefits | $5,074,000 | 1,596 |
| Premises and equipment expense | $1,106,000 | 1,991 |
| Additional noninterest expense | $2,077,000 | 2,228 |
| Pre-tax net operating income | $1,958,000 | 3,486 |
| Securities gains (losses) | $143,000 | 1,424 |
| Applicable income taxes | $597,000 | 3,130 |
| Income before extraordinary items | $1,504,000 | 3,498 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,504,000 | 3,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 3,009 |
| Cash dividends | $455,000 | 3,598 |
| Sale, conversion, retirement of capital stock, net | $13,766,000 | 29 |
| Net operating income | $1,401,040 | 3,575 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,658,000 | 2,694 |
| Total interest expense | $4,931,000 | 3,186 |
| Net interest income | $7,727,000 | 2,315 |
| Provision for loan and lease losses | $278,000 | 3,383 |
| Total noninterest income | $1,578,000 | 2,414 |
| Gross Fiduciary activities income | $6,000 | 1,512 |
| Service charges on deposit accounts | $1,026,000 | 1,445 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $546,000 | 2,986 |
| Total noninterest expense | $6,576,000 | 2,188 |
| Salaries and employee benefits | $3,708,000 | 2,028 |
| Premises and equipment expense | $1,060,000 | 2,010 |
| Additional noninterest expense | $1,808,000 | 2,462 |
| Pre-tax net operating income | $2,451,000 | 2,708 |
| Securities gains (losses) | $68,000 | 2,073 |
| Applicable income taxes | $750,000 | 2,548 |
| Income before extraordinary items | $1,769,000 | 2,842 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,769,000 | 2,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,597 |
| Cash dividends | $703,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $138,000 | 617 |
| Net operating income | $1,721,400 | 2,811 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,645,000 | 2,757 |
| Total interest expense | $4,952,000 | 3,350 |
| Net interest income | $7,693,000 | 2,311 |
| Provision for loan and lease losses | $350,000 | 2,565 |
| Total noninterest income | $1,576,000 | 2,267 |
| Gross Fiduciary activities income | $12,000 | 1,200 |
| Service charges on deposit accounts | $1,044,000 | 1,302 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $520,000 | 2,888 |
| Total noninterest expense | $6,368,000 | 2,157 |
| Salaries and employee benefits | $3,738,000 | 1,923 |
| Premises and equipment expense | $858,000 | 2,408 |
| Additional noninterest expense | $1,772,000 | 2,420 |
| Pre-tax net operating income | $2,551,000 | 2,712 |
| Securities gains (losses) | $-19,000 | 8,710 |
| Applicable income taxes | $787,000 | 2,554 |
| Income before extraordinary items | $1,745,000 | 2,867 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,745,000 | 2,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 2,113 |
| Cash dividends | $1,191,000 | 2,012 |
| Sale, conversion, retirement of capital stock, net | $815,000 | 485 |
| Net operating income | $1,758,110 | 2,849 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,849,000 | 2,978 |
| Total interest expense | $4,097,000 | 3,518 |
| Net interest income | $6,752,000 | 2,592 |
| Provision for loan and lease losses | $347,000 | 2,377 |
| Total noninterest income | $1,573,000 | 2,227 |
| Gross Fiduciary activities income | $11,000 | 1,259 |
| Service charges on deposit accounts | $1,046,000 | 1,257 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $516,000 | 2,900 |
| Total noninterest expense | $5,890,000 | 2,315 |
| Salaries and employee benefits | $3,488,000 | 2,009 |
| Premises and equipment expense | $824,000 | 2,465 |
| Additional noninterest expense | $1,578,000 | 2,747 |
| Pre-tax net operating income | $2,088,000 | 3,217 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $670,000 | 2,990 |
| Income before extraordinary items | $1,414,000 | 3,388 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,414,000 | 3,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,309 |
| Cash dividends | $510,000 | 3,449 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 850 |
| Net operating income | $1,416,720 | 3,352 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,211,000 | 3,468 |
| Total interest expense | $3,414,000 | 4,226 |
| Net interest income | $5,797,000 | 2,976 |
| Provision for loan and lease losses | $174,000 | 3,870 |
| Total noninterest income | $1,370,000 | 2,434 |
| Gross Fiduciary activities income | $11,000 | 1,282 |
| Service charges on deposit accounts | $905,000 | 1,389 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $454,000 | 3,166 |
| Total noninterest expense | $5,390,000 | 2,418 |
| Salaries and employee benefits | $3,201,000 | 2,114 |
| Premises and equipment expense | $759,000 | 2,568 |
| Additional noninterest expense | $1,430,000 | 2,892 |
| Pre-tax net operating income | $1,603,000 | 3,983 |
| Securities gains (losses) | $56,000 | 1,658 |
| Applicable income taxes | $544,000 | 3,635 |
| Income before extraordinary items | $1,115,000 | 4,142 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,115,000 | 4,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,828 |
| Cash dividends | $395,000 | 4,061 |
| Sale, conversion, retirement of capital stock, net | $-170,000 | 10,352 |
| Net operating income | $1,077,480 | 4,150 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,384,000 | 4,305 |
| Total interest expense | $2,776,000 | 5,013 |
| Net interest income | $4,608,000 | 3,756 |
| Provision for loan and lease losses | $73,000 | 5,838 |
| Total noninterest income | $1,195,000 | 2,637 |
| Gross Fiduciary activities income | $17,000 | 1,295 |
| Service charges on deposit accounts | $1,059,000 | 1,198 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $119,000 | 6,301 |
| Total noninterest expense | $4,649,000 | 2,745 |
| Salaries and employee benefits | $2,662,000 | 2,494 |
| Premises and equipment expense | $663,000 | 2,879 |
| Additional noninterest expense | $1,324,000 | 3,057 |
| Pre-tax net operating income | $1,081,000 | 5,598 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $358,000 | 5,227 |
| Income before extraordinary items | $746,000 | 5,692 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $746,000 | 5,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,419 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $730,360 | 5,719 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,973,000 | 4,592 |
| Total interest expense | $3,019,000 | 4,764 |
| Net interest income | $3,954,000 | 4,376 |
| Provision for loan and lease losses | $125,000 | 4,497 |
| Total noninterest income | $1,000,000 | 3,124 |
| Gross Fiduciary activities income | $6,000 | 1,446 |
| Service charges on deposit accounts | $871,000 | 1,533 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $123,000 | 6,525 |
| Total noninterest expense | $4,177,000 | 3,217 |
| Salaries and employee benefits | $2,297,000 | 2,916 |
| Premises and equipment expense | $684,000 | 2,865 |
| Additional noninterest expense | $1,196,000 | 3,796 |
| Pre-tax net operating income | $652,000 | 7,160 |
| Securities gains (losses) | $156,000 | 784 |
| Applicable income taxes | $253,000 | 6,414 |
| Income before extraordinary items | $555,000 | 6,533 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $555,000 | 6,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,549 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $447,360 | 7,199 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,262,000 | 5,011 |
| Total interest expense | $3,001,000 | 4,759 |
| Net interest income | $3,261,000 | 5,156 |
| Provision for loan and lease losses | $127,000 | 3,972 |
| Total noninterest income | $1,375,000 | 2,438 |
| Gross Fiduciary activities income | $144,000 | 1,078 |
| Service charges on deposit accounts | $1,060,000 | 1,273 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $171,000 | 5,593 |
| Total noninterest expense | $3,938,000 | 3,376 |
| Salaries and employee benefits | $1,823,000 | 3,603 |
| Premises and equipment expense | $727,000 | 2,710 |
| Additional noninterest expense | $1,388,000 | 3,297 |
| Pre-tax net operating income | $571,000 | 8,046 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $162,000 | 8,063 |
| Income before extraordinary items | $409,000 | 7,978 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $409,000 | 7,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,579 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $409,000 | 7,943 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,038,000 | 4,840 |
| Total interest expense | $2,690,000 | 4,353 |
| Net interest income | $3,348,000 | 5,141 |
| Provision for loan and lease losses | $350,000 | 2,026 |
| Total noninterest income | $1,940,000 | 1,871 |
| Gross Fiduciary activities income | $139,000 | 1,107 |
| Service charges on deposit accounts | $1,142,000 | 1,157 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $659,000 | 2,438 |
| Total noninterest expense | $4,282,000 | 3,207 |
| Salaries and employee benefits | $1,871,000 | 3,489 |
| Premises and equipment expense | $716,000 | 2,778 |
| Additional noninterest expense | $1,695,000 | 2,983 |
| Pre-tax net operating income | $656,000 | 7,669 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $207,000 | 7,228 |
| Income before extraordinary items | $449,000 | 7,723 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $449,000 | 7,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,073 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $449,000 | 7,770 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,034,000 | 4,925 |
| Total interest expense | $2,477,000 | 4,854 |
| Net interest income | $3,557,000 | 4,888 |
| Provision for loan and lease losses | $138,000 | 4,876 |
| Total noninterest income | $1,807,000 | 2,102 |
| Gross Fiduciary activities income | $173,000 | 1,086 |
| Service charges on deposit accounts | $1,218,000 | 1,100 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $416,000 | 3,667 |
| Total noninterest expense | $4,284,000 | 3,274 |
| Salaries and employee benefits | $1,863,000 | 3,505 |
| Premises and equipment expense | $786,000 | 2,596 |
| Additional noninterest expense | $1,635,000 | 3,254 |
| Pre-tax net operating income | $942,000 | 6,155 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $346,000 | 5,550 |
| Income before extraordinary items | $596,000 | 6,813 |
| Extraordinary gains, net | $-40,000 | 12,653 |
| Net income | $556,000 | 7,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,816 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $596,000 | 6,568 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,017,000 | 5,473 |
| Total interest expense | $2,968,000 | 5,211 |
| Net interest income | $3,049,000 | 5,642 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $1,510,000 | 2,379 |
| Gross Fiduciary activities income | $134,000 | 1,181 |
| Service charges on deposit accounts | $1,008,000 | 1,321 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $368,000 | 3,902 |
| Total noninterest expense | $3,972,000 | 3,522 |
| Salaries and employee benefits | $1,745,000 | 3,663 |
| Premises and equipment expense | $805,000 | 2,580 |
| Additional noninterest expense | $1,422,000 | 3,752 |
| Pre-tax net operating income | $587,000 | 7,810 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $192,000 | 7,715 |
| Income before extraordinary items | $418,000 | 8,037 |
| Extraordinary gains, net | $120,000 | 650 |
| Net income | $538,000 | 7,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 8,076 |
| Cash dividends | $120,000 | 6,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $402,130 | 7,836 |
* 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.