Home > McMullen Bank > Income and Expense

McMullen Bank, Income and Expense

2006-06-30 (YTD Data)		Rank
Total interest income	$808,000	7,913
Total interest expense	$227,000	8,032
Net interest income	$581,000	7,747
Provision for loan and lease losses	$-20,000	8,530
Total noninterest income	$104,000	6,919
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$74,000	5,610
Trading account gains and fees	$0	126
Additional Noninterest Income	$30,000	7,109
Total noninterest expense	$768,000	6,875
Salaries and employee benefits	$353,000	7,282
Premises and equipment expense	$114,000	6,467
Additional noninterest expense	$301,000	6,080
Pre-tax net operating income	$-63,000	8,300
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$-63,000	8,299
Extraordinary gains, net	$0	39
Net income	$-63,000	8,300
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,074
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-63,000	8,296
2006-03-31 (YTD Data)		Rank
Total interest income	$399,000	7,933
Total interest expense	$106,000	8,090
Net interest income	$293,000	7,753
Provision for loan and lease losses	$-20,000	8,569
Total noninterest income	$56,000	6,748
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$38,000	5,504
Trading account gains and fees	$0	115
Additional Noninterest Income	$18,000	6,859
Total noninterest expense	$394,000	6,811
Salaries and employee benefits	$188,000	7,143
Premises and equipment expense	$59,000	6,404
Additional noninterest expense	$147,000	6,114
Pre-tax net operating income	$-25,000	8,303
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-25,000	8,318
Extraordinary gains, net	$0	21
Net income	$-25,000	8,318
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,786
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-25,000	8,302
2005-12-31 (YTD Data)		Rank
Total interest income	$1,505,000	7,895
Total interest expense	$414,000	7,846
Net interest income	$1,091,000	7,821
Provision for loan and lease losses	$-45,000	8,568
Total noninterest income	$225,000	6,871
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$166,000	5,427
Trading account gains and fees	$0	138
Additional Noninterest Income	$59,000	7,187
Total noninterest expense	$1,646,000	6,644
Salaries and employee benefits	$773,000	7,011
Premises and equipment expense	$301,000	5,720
Additional noninterest expense	$572,000	6,200
Pre-tax net operating income	$-285,000	8,424
Securities gains (losses)	$-64,000	8,277
Applicable income taxes	$0	6,964
Income before extraordinary items	$-349,000	8,481
Extraordinary gains, net	$0	46
Net income	$-349,000	8,481
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	5,038
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$-285,000	8,436
2005-09-30 (YTD Data)		Rank
Total interest income	$1,115,000	7,932
Total interest expense	$307,000	7,853
Net interest income	$808,000	7,886
Provision for loan and lease losses	$-45,000	8,653
Total noninterest income	$172,000	6,864
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$124,000	5,464
Trading account gains and fees	$0	126
Additional Noninterest Income	$48,000	7,114
Total noninterest expense	$1,243,000	6,640
Salaries and employee benefits	$576,000	7,016
Premises and equipment expense	$237,000	5,587
Additional noninterest expense	$430,000	6,162
Pre-tax net operating income	$-218,000	8,496
Securities gains (losses)	$-1,000	7,299
Applicable income taxes	$0	6,976
Income before extraordinary items	$-219,000	8,527
Extraordinary gains, net	$0	35
Net income	$-219,000	8,527
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	4,057
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$-218,000	8,496
2005-06-30 (YTD Data)		Rank
Total interest income	$727,000	7,966
Total interest expense	$198,000	7,842
Net interest income	$529,000	7,921
Provision for loan and lease losses	$30,000	5,130
Total noninterest income	$118,000	6,779
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$82,000	5,439
Trading account gains and fees	$0	116
Additional Noninterest Income	$36,000	6,940
Total noninterest expense	$837,000	6,624
Salaries and employee benefits	$384,000	7,034
Premises and equipment expense	$165,000	5,436
Additional noninterest expense	$288,000	6,123
Pre-tax net operating income	$-220,000	8,566
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-220,000	8,597
Extraordinary gains, net	$0	30
Net income	$-220,000	8,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	3,128
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-220,000	8,571
2005-03-31 (YTD Data)		Rank
Total interest income	$356,000	8,047
Total interest expense	$93,000	7,932
Net interest income	$263,000	7,998
Provision for loan and lease losses	$0	6,226
Total noninterest income	$67,000	6,520
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$43,000	5,318
Trading account gains and fees	$0	115
Additional Noninterest Income	$24,000	6,543
Total noninterest expense	$425,000	6,620
Salaries and employee benefits	$192,000	7,082
Premises and equipment expense	$83,000	5,458
Additional noninterest expense	$150,000	6,007
Pre-tax net operating income	$-95,000	8,637
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-95,000	8,661
Extraordinary gains, net	$0	24
Net income	$-95,000	8,661
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	8,116
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-95,000	8,638
2004-12-31 (YTD Data)		Rank
Total interest income	$1,593,000	7,788
Total interest expense	$326,000	7,973
Net interest income	$1,267,000	7,658
Provision for loan and lease losses	$-350,000	8,888
Total noninterest income	$241,000	6,837
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$187,000	5,360
Trading account gains and fees	$0	138
Additional Noninterest Income	$54,000	7,316
Total noninterest expense	$1,832,000	6,312
Salaries and employee benefits	$886,000	6,653
Premises and equipment expense	$345,000	5,271
Additional noninterest expense	$601,000	5,968
Pre-tax net operating income	$26,000	8,322
Securities gains (losses)	$7,000	3,010
Applicable income taxes	$0	7,185
Income before extraordinary items	$33,000	8,338
Extraordinary gains, net	$0	34
Net income	$33,000	8,338
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-51,000	8,679
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$26,000	8,324
2004-09-30 (YTD Data)		Rank
Total interest income	$1,198,000	7,816
Total interest expense	$239,000	8,040
Net interest income	$959,000	7,661
Provision for loan and lease losses	$-200,000	8,923
Total noninterest income	$179,000	6,894
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$140,000	5,417
Trading account gains and fees	$0	134
Additional Noninterest Income	$39,000	7,392
Total noninterest expense	$1,413,000	6,164
Salaries and employee benefits	$692,000	6,497
Premises and equipment expense	$263,000	5,174
Additional noninterest expense	$458,000	5,887
Pre-tax net operating income	$-75,000	8,581
Securities gains (losses)	$7,000	2,893
Applicable income taxes	$0	7,220
Income before extraordinary items	$-68,000	8,594
Extraordinary gains, net	$0	26
Net income	$-68,000	8,597
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,223
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-75,000	8,578
2004-06-30 (YTD Data)		Rank
Total interest income	$816,000	7,837
Total interest expense	$157,000	8,128
Net interest income	$659,000	7,633
Provision for loan and lease losses	$-200,000	8,994
Total noninterest income	$121,000	6,880
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$94,000	5,405
Trading account gains and fees	$0	130
Additional Noninterest Income	$27,000	7,377
Total noninterest expense	$946,000	6,195
Salaries and employee benefits	$468,000	6,507
Premises and equipment expense	$170,000	5,314
Additional noninterest expense	$308,000	5,897
Pre-tax net operating income	$34,000	8,328
Securities gains (losses)	$9,000	2,475
Applicable income taxes	$0	7,214
Income before extraordinary items	$43,000	8,288
Extraordinary gains, net	$0	21
Net income	$43,000	8,290
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	8,375
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$34,000	8,295
2004-03-31 (YTD Data)		Rank
Total interest income	$409,000	7,867
Total interest expense	$80,000	8,165
Net interest income	$329,000	7,668
Provision for loan and lease losses	$0	6,501
Total noninterest income	$63,000	6,769
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$46,000	5,389
Trading account gains and fees	$0	121
Additional Noninterest Income	$17,000	7,062
Total noninterest expense	$484,000	6,150
Salaries and employee benefits	$237,000	6,506
Premises and equipment expense	$86,000	5,308
Additional noninterest expense	$161,000	5,784
Pre-tax net operating income	$-92,000	8,790
Securities gains (losses)	$9,000	2,096
Applicable income taxes	$0	7,103
Income before extraordinary items	$-83,000	8,810
Extraordinary gains, net	$0	16
Net income	$-83,000	8,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	8,283
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-92,000	8,790
2003-12-31 (YTD Data)		Rank
Total interest income	$1,907,000	7,648
Total interest expense	$392,000	8,136
Net interest income	$1,515,000	7,338
Provision for loan and lease losses	$-581,000	9,127
Total noninterest income	$231,000	7,083
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$191,000	5,363
Trading account gains and fees	$0	160
Additional Noninterest Income	$40,000	7,815
Total noninterest expense	$2,145,000	5,757
Salaries and employee benefits	$944,000	6,458
Premises and equipment expense	$371,000	4,988
Additional noninterest expense	$830,000	4,928
Pre-tax net operating income	$182,000	7,880
Securities gains (losses)	$160,000	1,507
Applicable income taxes	$0	7,459
Income before extraordinary items	$342,000	7,076
Extraordinary gains, net	$0	54
Net income	$342,000	7,077
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$339,000	2,086
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$726,000	455
Net operating income	$182,000	7,719
2003-09-30 (YTD Data)		Rank
Total interest income	$1,392,000	7,797
Total interest expense	$307,000	8,206
Net interest income	$1,085,000	7,494
Provision for loan and lease losses	$-381,000	9,187
Total noninterest income	$177,000	7,104
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$146,000	5,371
Trading account gains and fees	$0	153
Additional Noninterest Income	$31,000	7,823
Total noninterest expense	$1,665,000	5,618
Salaries and employee benefits	$703,000	6,452
Premises and equipment expense	$285,000	4,889
Additional noninterest expense	$677,000	4,573
Pre-tax net operating income	$-22,000	8,678
Securities gains (losses)	$160,000	1,372
Applicable income taxes	$0	7,524
Income before extraordinary items	$138,000	7,986
Extraordinary gains, net	$0	40
Net income	$138,000	7,988
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$437,000	1,306
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$726,000	343
Net operating income	$-22,000	8,678
2003-06-30 (YTD Data)		Rank
Total interest income	$924,000	7,863
Total interest expense	$218,000	8,215
Net interest income	$706,000	7,564
Provision for loan and lease losses	$0	7,324
Total noninterest income	$151,000	6,634
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$99,000	5,299
Trading account gains and fees	$0	150
Additional Noninterest Income	$52,000	6,500
Total noninterest expense	$1,163,000	5,443
Salaries and employee benefits	$471,000	6,468
Premises and equipment expense	$196,000	4,760
Additional noninterest expense	$496,000	4,272
Pre-tax net operating income	$-306,000	8,988
Securities gains (losses)	$137,000	1,286
Applicable income taxes	$0	7,529
Income before extraordinary items	$-169,000	8,986
Extraordinary gains, net	$0	30
Net income	$-169,000	8,986
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$563,000	789
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$726,000	235
Net operating income	$-306,000	9,004
2003-03-31 (YTD Data)		Rank
Total interest income	$466,000	7,890
Total interest expense	$116,000	8,228
Net interest income	$350,000	7,608
Provision for loan and lease losses	$0	6,934
Total noninterest income	$95,000	6,020
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$51,000	5,142
Trading account gains and fees	$0	134
Additional Noninterest Income	$44,000	5,509
Total noninterest expense	$590,000	5,402
Salaries and employee benefits	$230,000	6,550
Premises and equipment expense	$99,000	4,734
Additional noninterest expense	$261,000	4,074
Pre-tax net operating income	$-145,000	9,027
Securities gains (losses)	$22,000	1,846
Applicable income taxes	$0	7,403
Income before extraordinary items	$-123,000	9,061
Extraordinary gains, net	$0	21
Net income	$-123,000	9,058
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$574,000	445
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-145,000	9,028
2002-12-31 (YTD Data)		Rank
Total interest income	$2,392,000	7,451
Total interest expense	$666,000	7,907
Net interest income	$1,726,000	7,079
Provision for loan and lease losses	$1,303,000	1,052
Total noninterest income	$334,000	6,210
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$285,000	4,343
Trading account gains and fees	$0	153
Additional Noninterest Income	$49,000	7,624
Total noninterest expense	$2,470,000	5,120
Salaries and employee benefits	$944,000	6,337
Premises and equipment expense	$411,000	4,550
Additional noninterest expense	$1,115,000	3,829
Pre-tax net operating income	$-1,713,000	9,227
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-1,713,000	9,260
Extraordinary gains, net	$0	70
Net income	$-1,713,000	9,258
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$565,000	1,513
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-1,713,000	9,230
2001-12-31 (YTD Data)		Rank
Total interest income	$3,258,000	6,972
Total interest expense	$1,497,000	6,977
Net interest income	$1,761,000	6,866
Provision for loan and lease losses	$1,445,000	943
Total noninterest income	$388,000	5,757
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$232,000	4,812
Trading account gains and fees	$0	177
Additional Noninterest Income	$156,000	5,469
Total noninterest expense	$1,831,000	6,068
Salaries and employee benefits	$826,000	6,671
Premises and equipment expense	$459,000	4,166
Additional noninterest expense	$546,000	6,180
Pre-tax net operating income	$-1,127,000	9,390
Securities gains (losses)	$68,000	2,073
Applicable income taxes	$-391,000	9,472
Income before extraordinary items	$-668,000	9,304
Extraordinary gains, net	$0	105
Net income	$-668,000	9,305
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,360,000	755
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$155,000	608
Net operating income	$-711,520	9,286
2000-12-31 (YTD Data)		Rank
Total interest income	$3,355,000	7,046
Total interest expense	$1,419,000	7,311
Net interest income	$1,936,000	6,664
Provision for loan and lease losses	$552,000	1,727
Total noninterest income	$369,000	5,762
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$226,000	4,796
Trading account gains and fees	NA	NA
Additional Noninterest Income	$143,000	5,596
Total noninterest expense	$1,654,000	6,357
Salaries and employee benefits	$734,000	7,038
Premises and equipment expense	$332,000	5,120
Additional noninterest expense	$588,000	5,868
Pre-tax net operating income	$99,000	8,801
Securities gains (losses)	$0	1,956
Applicable income taxes	$18,000	7,887
Income before extraordinary items	$81,000	8,817
Extraordinary gains, net	$0	38
Net income	$81,000	8,817
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$309,000	1,779
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$293,000	599
Net operating income	$81,000	8,805
1999-12-31 (YTD Data)		Rank
Total interest income	$3,011,000	7,369
Total interest expense	$1,266,000	7,483
Net interest income	$1,745,000	7,117
Provision for loan and lease losses	$115,000	4,942
Total noninterest income	$224,000	7,212
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$162,000	5,653
Trading account gains and fees	NA	NA
Additional Noninterest Income	$62,000	7,661
Total noninterest expense	$1,361,000	7,140
Salaries and employee benefits	$602,000	7,749
Premises and equipment expense	$314,000	5,333
Additional noninterest expense	$445,000	6,940
Pre-tax net operating income	$493,000	7,169
Securities gains (losses)	$2,000	2,566
Applicable income taxes	$151,000	6,267
Income before extraordinary items	$344,000	7,328
Extraordinary gains, net	$0	35
Net income	$344,000	7,330
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$86,000	3,853
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$342,620	7,309
1998-12-31 (YTD Data)		Rank
Total interest income	$2,843,000	7,709
Total interest expense	$1,213,000	7,882
Net interest income	$1,630,000	7,412
Provision for loan and lease losses	$206,000	3,456
Total noninterest income	$221,000	7,321
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$185,000	5,364
Trading account gains and fees	NA	NA
Additional Noninterest Income	$36,000	8,704
Total noninterest expense	$1,247,000	7,415
Salaries and employee benefits	$514,000	8,265
Premises and equipment expense	$311,000	5,278
Additional noninterest expense	$422,000	7,044
Pre-tax net operating income	$398,000	7,889
Securities gains (losses)	$0	4,449
Applicable income taxes	$66,000	8,056
Income before extraordinary items	$332,000	7,638
Extraordinary gains, net	$0	32
Net income	$332,000	7,637
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$153,000	2,880
Cash dividends	$88,000	6,418
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$332,000	7,552
1997-12-31 (YTD Data)		Rank
Total interest income	$2,276,000	8,663
Total interest expense	$949,000	8,829
Net interest income	$1,327,000	8,408
Provision for loan and lease losses	$50,000	6,616
Total noninterest income	$205,000	7,773
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$173,000	5,777
Trading account gains and fees	NA	NA
Additional Noninterest Income	$32,000	9,236
Total noninterest expense	$1,149,000	7,852
Salaries and employee benefits	$446,000	8,965
Premises and equipment expense	$279,000	5,671
Additional noninterest expense	$424,000	7,161
Pre-tax net operating income	$333,000	8,810
Securities gains (losses)	$-15,000	10,235
Applicable income taxes	$8,000	9,918
Income before extraordinary items	$310,000	8,308
Extraordinary gains, net	$0	44
Net income	$310,000	8,309
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	7,835
Cash dividends	$85,000	6,707
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$324,550	8,148
1996-12-31 (YTD Data)		Rank
Total interest income	$1,855,000	9,580
Total interest expense	$839,000	9,512
Net interest income	$1,016,000	9,514
Provision for loan and lease losses	$25,000	7,649
Total noninterest income	$196,000	8,291
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$156,000	6,366
Trading account gains and fees	NA	NA
Additional Noninterest Income	$40,000	9,363
Total noninterest expense	$949,000	8,881
Salaries and employee benefits	$403,000	9,584
Premises and equipment expense	$244,000	6,338
Additional noninterest expense	$302,000	8,862
Pre-tax net operating income	$238,000	9,557
Securities gains (losses)	$0	4,148
Applicable income taxes	$68,000	9,357
Income before extraordinary items	$170,000	9,600
Extraordinary gains, net	$0	53
Net income	$170,000	9,601
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	7,912
Cash dividends	$80,000	7,029
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$170,000	9,539
1995-12-31 (YTD Data)		Rank
Total interest income	$1,600,000	10,347
Total interest expense	$735,000	10,176
Net interest income	$865,000	10,344
Provision for loan and lease losses	$18,000	7,795
Total noninterest income	$174,000	8,894
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$140,000	6,882
Trading account gains and fees	NA	NA
Additional Noninterest Income	$34,000	10,029
Total noninterest expense	$880,000	9,429
Salaries and employee benefits	$392,000	10,003
Premises and equipment expense	$199,000	7,213
Additional noninterest expense	$289,000	9,354
Pre-tax net operating income	$141,000	10,825
Securities gains (losses)	$0	3,831
Applicable income taxes	$7,000	10,980
Income before extraordinary items	$134,000	10,620
Extraordinary gains, net	$0	65
Net income	$134,000	10,623
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	10,150
Cash dividends	$80,000	7,161
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$134,000	10,592
1994-12-31 (YTD Data)		Rank
Total interest income	$1,549,000	10,642
Total interest expense	$618,000	10,516
Net interest income	$931,000	10,630
Provision for loan and lease losses	$40,000	6,585
Total noninterest income	$229,000	8,261
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$160,000	6,663
Trading account gains and fees	NA	NA
Additional Noninterest Income	$69,000	8,689
Total noninterest expense	$939,000	9,595
Salaries and employee benefits	$387,000	10,399
Premises and equipment expense	$156,000	8,394
Additional noninterest expense	$396,000	8,866
Pre-tax net operating income	$181,000	11,048
Securities gains (losses)	$71,000	951
Applicable income taxes	$52,000	10,415
Income before extraordinary items	$200,000	10,275
Extraordinary gains, net	$0	249
Net income	$200,000	10,278
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	6,562
Cash dividends	$80,000	7,289
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$143,910	10,957
1993-12-31 (YTD Data)		Rank
Total interest income	$1,722,000	10,754
Total interest expense	$755,000	10,279
Net interest income	$967,000	10,894
Provision for loan and lease losses	$83,000	6,262
Total noninterest income	$244,000	8,449
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$165,000	6,730
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,670
Total noninterest expense	$961,000	9,914
Salaries and employee benefits	$388,000	10,763
Premises and equipment expense	$163,000	8,556
Additional noninterest expense	$410,000	9,154
Pre-tax net operating income	$167,000	11,340
Securities gains (losses)	$0	7,477
Applicable income taxes	$26,000	11,482
Income before extraordinary items	$141,000	11,312
Extraordinary gains, net	$0	3,149
Net income	$141,000	11,392
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$77,000	5,115
Cash dividends	$75,000	7,397
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$141,000	11,106
1992-12-31 (YTD Data)		Rank
Total interest income	$2,057,000	10,790
Total interest expense	$1,065,000	10,113
Net interest income	$992,000	11,133
Provision for loan and lease losses	$0	11,756
Total noninterest income	$227,000	8,902
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$182,000	6,352
Trading account gains and fees	NA	NA
Additional Noninterest Income	$45,000	10,722
Total noninterest expense	$1,127,000	9,375
Salaries and employee benefits	$472,000	10,066
Premises and equipment expense	$161,000	8,809
Additional noninterest expense	$494,000	8,515
Pre-tax net operating income	$92,000	12,105
Securities gains (losses)	$116,000	2,773
Applicable income taxes	$56,000	11,086
Income before extraordinary items	$153,000	11,234
Extraordinary gains, net	$0	1,422
Net income	$153,000	11,320
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-50,000	13,477
Cash dividends	$75,000	7,103
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$68,320	12,086

* 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.