Home > Liberty Bank & Trust > Income and Expense
Liberty Bank & Trust, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $621,000 | 8,180 |
| Total interest expense | $140,000 | 8,226 |
| Net interest income | $481,000 | 8,056 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $103,000 | 7,013 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $87,000 | 5,319 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $16,000 | 7,844 |
| Total noninterest expense | $583,000 | 7,459 |
| Salaries and employee benefits | $237,000 | 7,970 |
| Premises and equipment expense | $107,000 | 6,557 |
| Additional noninterest expense | $239,000 | 6,665 |
| Pre-tax net operating income | $-11,000 | 8,381 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-11,000 | 8,404 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-11,000 | 8,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-11,000 | 8,373 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $317,000 | 8,198 |
| Total interest expense | $67,000 | 8,305 |
| Net interest income | $250,000 | 8,067 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $61,000 | 6,717 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $42,000 | 5,359 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,923 |
| Total noninterest expense | $284,000 | 7,569 |
| Salaries and employee benefits | $117,000 | 8,058 |
| Premises and equipment expense | $54,000 | 6,573 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $21,000 | 8,248 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $21,000 | 8,229 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $21,000 | 8,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $21,000 | 8,206 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,182,000 | 8,235 |
| Total interest expense | $254,000 | 8,269 |
| Net interest income | $928,000 | 8,130 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $245,000 | 6,814 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $183,000 | 5,395 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $62,000 | 7,147 |
| Total noninterest expense | $1,137,000 | 7,561 |
| Salaries and employee benefits | $501,000 | 7,979 |
| Premises and equipment expense | $225,000 | 6,455 |
| Additional noninterest expense | $411,000 | 7,060 |
| Pre-tax net operating income | $12,000 | 8,357 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $12,000 | 8,404 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $12,000 | 8,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,112 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $12,000 | 8,371 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $874,000 | 8,286 |
| Total interest expense | $190,000 | 8,312 |
| Net interest income | $684,000 | 8,192 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $177,000 | 6,914 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $137,000 | 5,458 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $40,000 | 7,356 |
| Total noninterest expense | $839,000 | 7,562 |
| Salaries and employee benefits | $376,000 | 7,951 |
| Premises and equipment expense | $170,000 | 6,433 |
| Additional noninterest expense | $293,000 | 7,146 |
| Pre-tax net operating income | $4,000 | 8,448 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $4,000 | 8,487 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,000 | 8,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,426 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,000 | 8,449 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $583,000 | 8,338 |
| Total interest expense | $125,000 | 8,377 |
| Net interest income | $458,000 | 8,245 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $114,000 | 6,996 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $89,000 | 5,514 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $25,000 | 7,479 |
| Total noninterest expense | $565,000 | 7,589 |
| Salaries and employee benefits | $260,000 | 7,948 |
| Premises and equipment expense | $114,000 | 6,459 |
| Additional noninterest expense | $191,000 | 7,234 |
| Pre-tax net operating income | $-5,000 | 8,543 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-5,000 | 8,592 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,000 | 8,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-5,000 | 8,543 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $293,000 | 8,380 |
| Total interest expense | $63,000 | 8,436 |
| Net interest income | $230,000 | 8,273 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $58,000 | 6,943 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $43,000 | 5,527 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $276,000 | 7,667 |
| Salaries and employee benefits | $124,000 | 8,056 |
| Premises and equipment expense | $57,000 | 6,454 |
| Additional noninterest expense | $95,000 | 7,267 |
| Pre-tax net operating income | $6,000 | 8,480 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $6,000 | 8,519 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $6,000 | 8,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $6,000 | 8,459 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,212,000 | 8,383 |
| Total interest expense | $295,000 | 8,475 |
| Net interest income | $917,000 | 8,232 |
| Provision for loan and lease losses | $22,000 | 7,018 |
| Total noninterest income | $298,000 | 6,614 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $197,000 | 5,297 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $101,000 | 6,522 |
| Total noninterest expense | $1,121,000 | 7,633 |
| Salaries and employee benefits | $528,000 | 7,982 |
| Premises and equipment expense | $217,000 | 6,578 |
| Additional noninterest expense | $376,000 | 7,290 |
| Pre-tax net operating income | $72,000 | 8,302 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $72,000 | 8,369 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $72,000 | 8,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,094 |
| Cash dividends | $50,000 | 5,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $72,000 | 8,262 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $910,000 | 8,472 |
| Total interest expense | $227,000 | 8,558 |
| Net interest income | $683,000 | 8,321 |
| Provision for loan and lease losses | $16,000 | 6,921 |
| Total noninterest income | $236,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $162,000 | 5,122 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $74,000 | 6,610 |
| Total noninterest expense | $829,000 | 7,654 |
| Salaries and employee benefits | $381,000 | 8,038 |
| Premises and equipment expense | $159,000 | 6,640 |
| Additional noninterest expense | $289,000 | 7,236 |
| Pre-tax net operating income | $74,000 | 8,350 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $74,000 | 8,397 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $74,000 | 8,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $50,000 | 5,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $74,000 | 8,278 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $613,000 | 8,519 |
| Total interest expense | $159,000 | 8,591 |
| Net interest income | $454,000 | 8,361 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $150,000 | 6,647 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $105,000 | 5,161 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $545,000 | 7,715 |
| Salaries and employee benefits | $245,000 | 8,120 |
| Premises and equipment expense | $106,000 | 6,619 |
| Additional noninterest expense | $194,000 | 7,219 |
| Pre-tax net operating income | $49,000 | 8,374 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $49,000 | 8,431 |
| Extraordinary gains, net | $-8,000 | 9,249 |
| Net income | $41,000 | 8,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $25,000 | 4,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $49,000 | 8,302 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $308,000 | 8,573 |
| Total interest expense | $84,000 | 8,621 |
| Net interest income | $224,000 | 8,420 |
| Provision for loan and lease losses | $4,000 | 6,606 |
| Total noninterest income | $75,000 | 6,577 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $49,000 | 5,240 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $278,000 | 7,690 |
| Salaries and employee benefits | $124,000 | 8,121 |
| Premises and equipment expense | $54,000 | 6,574 |
| Additional noninterest expense | $100,000 | 7,147 |
| Pre-tax net operating income | $17,000 | 8,494 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $17,000 | 8,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $17,000 | 8,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $17,000 | 8,413 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,425,000 | 8,473 |
| Total interest expense | $425,000 | 8,582 |
| Net interest income | $1,000,000 | 8,255 |
| Provision for loan and lease losses | $25,000 | 7,318 |
| Total noninterest income | $319,000 | 6,334 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $230,000 | 4,901 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $89,000 | 6,670 |
| Total noninterest expense | $1,122,000 | 7,666 |
| Salaries and employee benefits | $509,000 | 8,110 |
| Premises and equipment expense | $219,000 | 6,535 |
| Additional noninterest expense | $394,000 | 7,197 |
| Pre-tax net operating income | $172,000 | 8,040 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $177,000 | 7,963 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $177,000 | 7,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,133 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $172,000 | 7,873 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,642,000 | 8,587 |
| Total interest expense | $680,000 | 8,663 |
| Net interest income | $962,000 | 8,369 |
| Provision for loan and lease losses | $18,000 | 7,646 |
| Total noninterest income | $330,000 | 6,161 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $241,000 | 4,740 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $89,000 | 6,670 |
| Total noninterest expense | $1,207,000 | 7,434 |
| Salaries and employee benefits | $528,000 | 8,035 |
| Premises and equipment expense | $230,000 | 6,354 |
| Additional noninterest expense | $449,000 | 6,794 |
| Pre-tax net operating income | $67,000 | 8,477 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $68,000 | 8,515 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $68,000 | 8,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $67,000 | 8,427 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,726,000 | 8,712 |
| Total interest expense | $711,000 | 8,843 |
| Net interest income | $1,015,000 | 8,447 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $396,000 | 5,556 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $237,000 | 4,662 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $159,000 | 5,331 |
| Total noninterest expense | $1,279,000 | 7,305 |
| Salaries and employee benefits | $619,000 | 7,595 |
| Premises and equipment expense | $194,000 | 6,868 |
| Additional noninterest expense | $466,000 | 6,666 |
| Pre-tax net operating income | $132,000 | 8,678 |
| Securities gains (losses) | $-26,000 | 8,870 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $106,000 | 8,668 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $106,000 | 8,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 9,623 |
| Cash dividends | $31,000 | 6,572 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $132,000 | 8,509 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,604,000 | 8,932 |
| Total interest expense | $628,000 | 9,141 |
| Net interest income | $976,000 | 8,682 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $329,000 | 6,179 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $285,000 | 4,124 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,263 |
| Total noninterest expense | $1,016,000 | 8,078 |
| Salaries and employee benefits | $517,000 | 8,248 |
| Premises and equipment expense | $143,000 | 7,784 |
| Additional noninterest expense | $356,000 | 7,649 |
| Pre-tax net operating income | $269,000 | 8,258 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $269,000 | 7,798 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $269,000 | 7,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,444 |
| Cash dividends | $208,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $269,000 | 7,774 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,627,000 | 9,130 |
| Total interest expense | $671,000 | 9,266 |
| Net interest income | $956,000 | 8,899 |
| Provision for loan and lease losses | $35,000 | 7,178 |
| Total noninterest income | $361,000 | 5,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $281,000 | 4,131 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $80,000 | 7,189 |
| Total noninterest expense | $979,000 | 8,175 |
| Salaries and employee benefits | $477,000 | 8,502 |
| Premises and equipment expense | $127,000 | 8,131 |
| Additional noninterest expense | $365,000 | 7,521 |
| Pre-tax net operating income | $313,000 | 8,313 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $59,000 | 8,181 |
| Income before extraordinary items | $254,000 | 8,225 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $254,000 | 8,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,453 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $254,000 | 8,150 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,486,000 | 9,681 |
| Total interest expense | $633,000 | 9,734 |
| Net interest income | $853,000 | 9,534 |
| Provision for loan and lease losses | $9,000 | 8,470 |
| Total noninterest income | $345,000 | 6,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,550 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,166 |
| Total noninterest expense | $916,000 | 8,627 |
| Salaries and employee benefits | $467,000 | 8,842 |
| Premises and equipment expense | $116,000 | 8,589 |
| Additional noninterest expense | $333,000 | 7,975 |
| Pre-tax net operating income | $273,000 | 9,162 |
| Securities gains (losses) | $-4,000 | 9,548 |
| Applicable income taxes | $72,000 | 8,875 |
| Income before extraordinary items | $197,000 | 9,183 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $197,000 | 9,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $199,920 | 9,113 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,499,000 | 10,108 |
| Total interest expense | $617,000 | 10,228 |
| Net interest income | $882,000 | 9,875 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $300,000 | 6,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 8,317 |
| Total noninterest expense | $877,000 | 9,140 |
| Salaries and employee benefits | $464,000 | 9,152 |
| Premises and equipment expense | $110,000 | 9,028 |
| Additional noninterest expense | $303,000 | 8,847 |
| Pre-tax net operating income | $305,000 | 9,099 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $95,000 | 8,825 |
| Income before extraordinary items | $210,000 | 9,200 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $210,000 | 9,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,641 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $210,000 | 9,148 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 10,489 |
| Total interest expense | $599,000 | 10,670 |
| Net interest income | $922,000 | 10,180 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $321,000 | 6,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,751 |
| Total noninterest expense | $920,000 | 9,285 |
| Salaries and employee benefits | $457,000 | 9,478 |
| Premises and equipment expense | $108,000 | 9,386 |
| Additional noninterest expense | $355,000 | 8,653 |
| Pre-tax net operating income | $323,000 | 9,589 |
| Securities gains (losses) | $-32,000 | 10,879 |
| Applicable income taxes | $99,000 | 9,204 |
| Income before extraordinary items | $192,000 | 10,019 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $192,000 | 10,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $213,120 | 9,764 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,338,000 | 11,062 |
| Total interest expense | $448,000 | 11,347 |
| Net interest income | $890,000 | 10,751 |
| Provision for loan and lease losses | $17,000 | 7,997 |
| Total noninterest income | $303,000 | 7,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 9,618 |
| Total noninterest expense | $873,000 | 9,893 |
| Salaries and employee benefits | $429,000 | 10,009 |
| Premises and equipment expense | $109,000 | 9,741 |
| Additional noninterest expense | $335,000 | 9,544 |
| Pre-tax net operating income | $303,000 | 10,126 |
| Securities gains (losses) | $-13,000 | 10,028 |
| Applicable income taxes | $102,000 | 9,321 |
| Income before extraordinary items | $188,000 | 10,421 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $188,000 | 10,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,355 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $196,450 | 10,366 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,268,000 | 11,753 |
| Total interest expense | $414,000 | 12,159 |
| Net interest income | $854,000 | 11,331 |
| Provision for loan and lease losses | $26,000 | 8,647 |
| Total noninterest income | $240,000 | 8,531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,102 |
| Total noninterest expense | $823,000 | 10,555 |
| Salaries and employee benefits | $422,000 | 10,423 |
| Premises and equipment expense | $97,000 | 10,539 |
| Additional noninterest expense | $304,000 | 10,399 |
| Pre-tax net operating income | $245,000 | 10,656 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $91,000 | 9,959 |
| Income before extraordinary items | $155,000 | 11,135 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $155,000 | 11,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $154,360 | 10,944 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 12,507 |
| Total interest expense | $522,000 | 12,665 |
| Net interest income | $721,000 | 12,232 |
| Provision for loan and lease losses | $74,000 | 8,124 |
| Total noninterest income | $230,000 | 8,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 12,093 |
| Total noninterest expense | $732,000 | 11,340 |
| Salaries and employee benefits | $366,000 | 11,271 |
| Premises and equipment expense | $94,000 | 10,953 |
| Additional noninterest expense | $272,000 | 11,241 |
| Pre-tax net operating income | $145,000 | 11,579 |
| Securities gains (losses) | $40,000 | 4,499 |
| Applicable income taxes | $67,000 | 10,800 |
| Income before extraordinary items | $118,000 | 11,701 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $118,000 | 11,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 12,762 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $92,400 | 11,733 |
* 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.