ISBT, Income and Expense
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,742,000 | 3,087 |
| Total interest expense | $4,713,000 | 3,181 |
| Net interest income | $6,029,000 | 2,955 |
| Provision for loan and lease losses | $96,000 | 4,714 |
| Total noninterest income | $793,000 | 3,706 |
| Gross Fiduciary activities income | $20,000 | 1,407 |
| Service charges on deposit accounts | $346,000 | 3,807 |
| Trading account gains and fees | $7,000 | 448 |
| Additional Noninterest Income | $420,000 | 3,208 |
| Total noninterest expense | $3,721,000 | 3,539 |
| Salaries and employee benefits | $2,116,000 | 3,132 |
| Premises and equipment expense | $526,000 | 3,601 |
| Additional noninterest expense | $1,079,000 | 4,094 |
| Pre-tax net operating income | $3,005,000 | 2,431 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $827,000 | 2,800 |
| Income before extraordinary items | $2,178,000 | 2,322 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,178,000 | 2,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,247 |
| Cash dividends | $975,000 | 2,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,178,000 | 2,295 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,179,000 | 2,995 |
| Total interest expense | $4,093,000 | 2,976 |
| Net interest income | $6,086,000 | 2,963 |
| Provision for loan and lease losses | $80,000 | 5,022 |
| Total noninterest income | $817,000 | 3,663 |
| Gross Fiduciary activities income | $32,000 | 1,374 |
| Service charges on deposit accounts | $335,000 | 3,981 |
| Trading account gains and fees | $-47,000 | 4,845 |
| Additional Noninterest Income | $497,000 | 2,960 |
| Total noninterest expense | $3,750,000 | 3,622 |
| Salaries and employee benefits | $2,001,000 | 3,280 |
| Premises and equipment expense | $522,000 | 3,665 |
| Additional noninterest expense | $1,227,000 | 3,980 |
| Pre-tax net operating income | $3,073,000 | 2,310 |
| Securities gains (losses) | $19,000 | 1,821 |
| Applicable income taxes | $888,000 | 2,521 |
| Income before extraordinary items | $2,204,000 | 2,218 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,204,000 | 2,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,627 |
| Cash dividends | $983,000 | 1,965 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,190,510 | 2,252 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,612,000 | 2,923 |
| Total interest expense | $4,315,000 | 2,958 |
| Net interest income | $6,297,000 | 2,888 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $734,000 | 4,289 |
| Gross Fiduciary activities income | $33,000 | 1,398 |
| Service charges on deposit accounts | $302,000 | 4,398 |
| Trading account gains and fees | $-1,000 | 5,052 |
| Additional Noninterest Income | $400,000 | 3,753 |
| Total noninterest expense | $3,839,000 | 3,615 |
| Salaries and employee benefits | $1,969,000 | 3,339 |
| Premises and equipment expense | $570,000 | 3,481 |
| Additional noninterest expense | $1,300,000 | 3,938 |
| Pre-tax net operating income | $3,072,000 | 2,216 |
| Securities gains (losses) | $-5,000 | 12,580 |
| Applicable income taxes | $917,000 | 2,477 |
| Income before extraordinary items | $2,150,000 | 2,321 |
| Extraordinary gains, net | $-11,000 | 12,328 |
| Net income | $2,139,000 | 2,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,809 |
| Cash dividends | $667,000 | 2,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,153,500 | 2,186 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,254,000 | 2,863 |
| Total interest expense | $5,775,000 | 2,885 |
| Net interest income | $6,479,000 | 2,827 |
| Provision for loan and lease losses | $108,000 | 7,079 |
| Total noninterest income | $729,000 | 4,272 |
| Gross Fiduciary activities income | $20,000 | 1,486 |
| Service charges on deposit accounts | $338,000 | 4,048 |
| Trading account gains and fees | $5,000 | 440 |
| Additional Noninterest Income | $366,000 | 3,915 |
| Total noninterest expense | $3,677,000 | 3,762 |
| Salaries and employee benefits | $1,996,000 | 3,214 |
| Premises and equipment expense | $514,000 | 3,871 |
| Additional noninterest expense | $1,167,000 | 4,456 |
| Pre-tax net operating income | $3,423,000 | 1,812 |
| Securities gains (losses) | $232,000 | 1,812 |
| Applicable income taxes | $1,145,000 | 1,841 |
| Income before extraordinary items | $2,510,000 | 1,807 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,510,000 | 1,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $836,000 | 1,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,349,920 | 1,787 |
* 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.