Home > National Bank of the Redwoods > Income and Expense
National Bank of the Redwoods, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $29,036,000 | 978 |
| Total interest expense | $4,705,000 | 1,736 |
| Net interest income | $24,331,000 | 821 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $7,812,000 | 735 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $930,000 | 1,880 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,882,000 | 523 |
| Total noninterest expense | $17,043,000 | 953 |
| Salaries and employee benefits | $10,650,000 | 802 |
| Premises and equipment expense | $2,117,000 | 1,088 |
| Additional noninterest expense | $4,276,000 | 1,155 |
| Pre-tax net operating income | $15,100,000 | 610 |
| Securities gains (losses) | $79,000 | 1,404 |
| Applicable income taxes | $6,068,000 | 526 |
| Income before extraordinary items | $9,111,000 | 735 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,111,000 | 736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,390 |
| Cash dividends | $5,034,000 | 612 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $9,060,440 | 706 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $21,537,000 | 975 |
| Total interest expense | $3,437,000 | 1,746 |
| Net interest income | $18,100,000 | 818 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $5,376,000 | 797 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $733,000 | 1,811 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,643,000 | 576 |
| Total noninterest expense | $12,695,000 | 963 |
| Salaries and employee benefits | $8,007,000 | 801 |
| Premises and equipment expense | $1,604,000 | 1,088 |
| Additional noninterest expense | $3,084,000 | 1,192 |
| Pre-tax net operating income | $10,781,000 | 637 |
| Securities gains (losses) | $79,000 | 1,334 |
| Applicable income taxes | $4,342,000 | 540 |
| Income before extraordinary items | $6,518,000 | 773 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,518,000 | 774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,961 |
| Cash dividends | $3,200,000 | 656 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,467,440 | 744 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,194,000 | 969 |
| Total interest expense | $2,328,000 | 1,712 |
| Net interest income | $11,866,000 | 824 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $3,601,000 | 801 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $512,000 | 1,708 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,089,000 | 589 |
| Total noninterest expense | $8,494,000 | 951 |
| Salaries and employee benefits | $5,298,000 | 803 |
| Premises and equipment expense | $1,075,000 | 1,085 |
| Additional noninterest expense | $2,121,000 | 1,150 |
| Pre-tax net operating income | $6,973,000 | 650 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,788,000 | 551 |
| Income before extraordinary items | $4,185,000 | 783 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,185,000 | 783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 1,905 |
| Cash dividends | $1,400,000 | 951 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,185,000 | 752 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,168,000 | 967 |
| Total interest expense | $1,229,000 | 1,637 |
| Net interest income | $5,939,000 | 830 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,708,000 | 811 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $246,000 | 1,726 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,462,000 | 599 |
| Total noninterest expense | $4,304,000 | 948 |
| Salaries and employee benefits | $2,706,000 | 802 |
| Premises and equipment expense | $535,000 | 1,105 |
| Additional noninterest expense | $1,063,000 | 1,134 |
| Pre-tax net operating income | $3,343,000 | 667 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,337,000 | 585 |
| Income before extraordinary items | $2,006,000 | 825 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,006,000 | 825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,435 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,006,000 | 777 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,134,000 | 935 |
| Total interest expense | $6,064,000 | 1,465 |
| Net interest income | $24,070,000 | 796 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $6,747,000 | 884 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,045,000 | 1,645 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,702,000 | 693 |
| Total noninterest expense | $15,946,000 | 1,030 |
| Salaries and employee benefits | $9,324,000 | 912 |
| Premises and equipment expense | $2,105,000 | 1,082 |
| Additional noninterest expense | $4,517,000 | 1,127 |
| Pre-tax net operating income | $14,871,000 | 606 |
| Securities gains (losses) | $86,000 | 2,025 |
| Applicable income taxes | $6,270,000 | 518 |
| Income before extraordinary items | $8,687,000 | 753 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,687,000 | 755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,586 |
| Cash dividends | $6,700,000 | 498 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $8,631,960 | 706 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $22,688,000 | 946 |
| Total interest expense | $4,806,000 | 1,449 |
| Net interest income | $17,882,000 | 812 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $4,858,000 | 954 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $782,000 | 1,651 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,076,000 | 746 |
| Total noninterest expense | $11,775,000 | 1,045 |
| Salaries and employee benefits | $6,914,000 | 943 |
| Premises and equipment expense | $1,567,000 | 1,097 |
| Additional noninterest expense | $3,294,000 | 1,149 |
| Pre-tax net operating income | $10,965,000 | 633 |
| Securities gains (losses) | $86,000 | 1,875 |
| Applicable income taxes | $3,979,000 | 618 |
| Income before extraordinary items | $7,072,000 | 724 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,072,000 | 725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 9,136 |
| Cash dividends | $3,300,000 | 678 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $7,016,960 | 678 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,150,000 | 957 |
| Total interest expense | $3,428,000 | 1,412 |
| Net interest income | $11,722,000 | 826 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $3,192,000 | 957 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $522,000 | 1,616 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,670,000 | 736 |
| Total noninterest expense | $7,761,000 | 1,046 |
| Salaries and employee benefits | $4,479,000 | 966 |
| Premises and equipment expense | $1,092,000 | 1,058 |
| Additional noninterest expense | $2,190,000 | 1,148 |
| Pre-tax net operating income | $7,153,000 | 636 |
| Securities gains (losses) | $86,000 | 1,623 |
| Applicable income taxes | $2,568,000 | 633 |
| Income before extraordinary items | $4,671,000 | 738 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,671,000 | 739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-92,000 | 9,114 |
| Cash dividends | $3,300,000 | 477 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,615,100 | 689 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,542,000 | 974 |
| Total interest expense | $1,766,000 | 1,395 |
| Net interest income | $5,776,000 | 842 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $1,629,000 | 916 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $268,000 | 1,537 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,361,000 | 713 |
| Total noninterest expense | $3,977,000 | 1,019 |
| Salaries and employee benefits | $2,248,000 | 961 |
| Premises and equipment expense | $614,000 | 940 |
| Additional noninterest expense | $1,115,000 | 1,109 |
| Pre-tax net operating income | $3,428,000 | 660 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,184,000 | 686 |
| Income before extraordinary items | $2,244,000 | 756 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,244,000 | 755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,298 |
| Cash dividends | $1,600,000 | 453 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,244,000 | 696 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $30,536,000 | 1,004 |
| Total interest expense | $8,657,000 | 1,293 |
| Net interest income | $21,879,000 | 891 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $7,321,000 | 771 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,188,000 | 1,365 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,133,000 | 605 |
| Total noninterest expense | $15,027,000 | 1,030 |
| Salaries and employee benefits | $8,781,000 | 914 |
| Premises and equipment expense | $2,126,000 | 1,035 |
| Additional noninterest expense | $4,120,000 | 1,184 |
| Pre-tax net operating income | $14,173,000 | 618 |
| Securities gains (losses) | $294,000 | 909 |
| Applicable income taxes | $5,256,000 | 569 |
| Income before extraordinary items | $9,211,000 | 691 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $9,211,000 | 692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 3,187 |
| Cash dividends | $6,600,000 | 490 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $9,022,840 | 669 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $33,555,000 | 1,018 |
| Total interest expense | $12,541,000 | 1,302 |
| Net interest income | $21,014,000 | 834 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $6,487,000 | 799 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,116,000 | 1,342 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,371,000 | 632 |
| Total noninterest expense | $13,866,000 | 1,068 |
| Salaries and employee benefits | $8,115,000 | 926 |
| Premises and equipment expense | $2,025,000 | 1,039 |
| Additional noninterest expense | $3,726,000 | 1,272 |
| Pre-tax net operating income | $13,635,000 | 583 |
| Securities gains (losses) | $112,000 | 1,663 |
| Applicable income taxes | $5,548,000 | 509 |
| Income before extraordinary items | $8,199,000 | 685 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $8,199,000 | 688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,152 |
| Cash dividends | $5,900,000 | 543 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $8,127,320 | 665 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $35,163,000 | 1,008 |
| Total interest expense | $14,238,000 | 1,212 |
| Net interest income | $20,925,000 | 832 |
| Provision for loan and lease losses | $150,000 | 4,393 |
| Total noninterest income | $6,277,000 | 777 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,077,000 | 1,258 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,200,000 | 621 |
| Total noninterest expense | $15,120,000 | 935 |
| Salaries and employee benefits | $8,387,000 | 833 |
| Premises and equipment expense | $2,038,000 | 977 |
| Additional noninterest expense | $4,695,000 | 994 |
| Pre-tax net operating income | $11,932,000 | 670 |
| Securities gains (losses) | $-171,000 | 9,549 |
| Applicable income taxes | $4,738,000 | 572 |
| Income before extraordinary items | $7,023,000 | 771 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $7,023,000 | 771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $407,000 | 1,452 |
| Cash dividends | $12,129,000 | 326 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $7,132,440 | 757 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $30,633,000 | 1,064 |
| Total interest expense | $10,827,000 | 1,382 |
| Net interest income | $19,806,000 | 889 |
| Provision for loan and lease losses | $750,000 | 1,249 |
| Total noninterest income | $5,178,000 | 923 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $953,000 | 1,372 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $4,225,000 | 717 |
| Total noninterest expense | $15,427,000 | 921 |
| Salaries and employee benefits | $8,629,000 | 806 |
| Premises and equipment expense | $2,242,000 | 894 |
| Additional noninterest expense | $4,556,000 | 1,037 |
| Pre-tax net operating income | $8,807,000 | 924 |
| Securities gains (losses) | $19,000 | 1,429 |
| Applicable income taxes | $3,421,000 | 790 |
| Income before extraordinary items | $5,405,000 | 1,023 |
| Extraordinary gains, net | $-445,000 | 10,216 |
| Net income | $4,960,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $860,000 | 789 |
| Cash dividends | $10,900,000 | 372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,392,840 | 1,010 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $33,059,000 | 995 |
| Total interest expense | $13,346,000 | 1,149 |
| Net interest income | $19,713,000 | 871 |
| Provision for loan and lease losses | $2,040,000 | 571 |
| Total noninterest income | $15,441,000 | 443 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $972,000 | 1,287 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $14,469,000 | 358 |
| Total noninterest expense | $24,827,000 | 627 |
| Salaries and employee benefits | $13,961,000 | 526 |
| Premises and equipment expense | $3,673,000 | 590 |
| Additional noninterest expense | $7,193,000 | 748 |
| Pre-tax net operating income | $8,287,000 | 941 |
| Securities gains (losses) | $225,000 | 859 |
| Applicable income taxes | $2,599,000 | 983 |
| Income before extraordinary items | $5,913,000 | 917 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,913,000 | 916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,644,000 | 531 |
| Cash dividends | $1,200,000 | 1,939 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,757,750 | 910 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $37,306,000 | 919 |
| Total interest expense | $15,954,000 | 1,024 |
| Net interest income | $21,352,000 | 843 |
| Provision for loan and lease losses | $2,100,000 | 563 |
| Total noninterest income | $12,044,000 | 498 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,008,000 | 1,270 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $11,036,000 | 385 |
| Total noninterest expense | $24,233,000 | 620 |
| Salaries and employee benefits | $13,107,000 | 518 |
| Premises and equipment expense | $3,818,000 | 556 |
| Additional noninterest expense | $7,308,000 | 733 |
| Pre-tax net operating income | $7,063,000 | 1,132 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $2,848,000 | 973 |
| Income before extraordinary items | $4,238,000 | 1,287 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,238,000 | 1,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,494,000 | 605 |
| Cash dividends | $860,000 | 2,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,223,280 | 1,257 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,772,000 | 1,613 |
| Total interest expense | $7,599,000 | 2,065 |
| Net interest income | $13,173,000 | 1,362 |
| Provision for loan and lease losses | $4,106,000 | 382 |
| Total noninterest income | $5,486,000 | 890 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,056,000 | 1,267 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $4,430,000 | 689 |
| Total noninterest expense | $13,472,000 | 1,103 |
| Salaries and employee benefits | $5,872,000 | 1,146 |
| Premises and equipment expense | $2,414,000 | 903 |
| Additional noninterest expense | $5,186,000 | 1,102 |
| Pre-tax net operating income | $1,081,000 | 5,480 |
| Securities gains (losses) | $-3,000 | 9,684 |
| Applicable income taxes | $462,000 | 4,417 |
| Income before extraordinary items | $616,000 | 6,177 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $616,000 | 6,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,968,000 | 453 |
| Cash dividends | $215,000 | 5,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $617,920 | 6,105 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,527,000 | 1,738 |
| Total interest expense | $7,420,000 | 2,109 |
| Net interest income | $12,107,000 | 1,486 |
| Provision for loan and lease losses | $1,290,000 | 782 |
| Total noninterest income | $5,124,000 | 948 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $970,000 | 1,411 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $4,154,000 | 745 |
| Total noninterest expense | $12,183,000 | 1,203 |
| Salaries and employee benefits | $5,774,000 | 1,160 |
| Premises and equipment expense | $2,374,000 | 915 |
| Additional noninterest expense | $4,035,000 | 1,328 |
| Pre-tax net operating income | $3,760,000 | 1,960 |
| Securities gains (losses) | $203,000 | 663 |
| Applicable income taxes | $1,651,000 | 1,514 |
| Income before extraordinary items | $2,312,000 | 2,186 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,312,000 | 2,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,122,000 | 550 |
| Cash dividends | $864,000 | 2,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,182,080 | 2,286 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,014,000 | 2,182 |
| Total interest expense | $4,457,000 | 2,751 |
| Net interest income | $9,557,000 | 1,890 |
| Provision for loan and lease losses | $820,000 | 1,064 |
| Total noninterest income | $4,248,000 | 1,034 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $840,000 | 1,611 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $3,408,000 | 810 |
| Total noninterest expense | $10,561,000 | 1,384 |
| Salaries and employee benefits | $5,010,000 | 1,348 |
| Premises and equipment expense | $1,844,000 | 1,145 |
| Additional noninterest expense | $3,707,000 | 1,508 |
| Pre-tax net operating income | $2,424,000 | 2,910 |
| Securities gains (losses) | $-24,000 | 10,481 |
| Applicable income taxes | $741,000 | 2,971 |
| Income before extraordinary items | $1,659,000 | 2,903 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,659,000 | 2,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $810,000 | 1,004 |
| Cash dividends | $200,000 | 5,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,675,560 | 2,913 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,038,000 | 2,807 |
| Total interest expense | $3,605,000 | 3,481 |
| Net interest income | $7,433,000 | 2,412 |
| Provision for loan and lease losses | $890,000 | 1,414 |
| Total noninterest income | $4,117,000 | 1,146 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $880,000 | 1,549 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $3,237,000 | 909 |
| Total noninterest expense | $8,912,000 | 1,704 |
| Salaries and employee benefits | $4,072,000 | 1,658 |
| Premises and equipment expense | $1,466,000 | 1,449 |
| Additional noninterest expense | $3,374,000 | 1,734 |
| Pre-tax net operating income | $1,748,000 | 3,791 |
| Securities gains (losses) | $242,000 | 1,487 |
| Applicable income taxes | $750,000 | 2,905 |
| Income before extraordinary items | $1,240,000 | 3,885 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,240,000 | 3,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $593,000 | 1,593 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 885 |
| Net operating income | $1,085,120 | 4,155 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,796,000 | 3,561 |
| Total interest expense | $3,754,000 | 4,294 |
| Net interest income | $6,042,000 | 3,032 |
| Provision for loan and lease losses | $950,000 | 1,900 |
| Total noninterest income | $2,944,000 | 1,466 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $845,000 | 1,610 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $2,099,000 | 1,201 |
| Total noninterest expense | $6,887,000 | 2,133 |
| Salaries and employee benefits | $3,085,000 | 2,127 |
| Premises and equipment expense | $1,352,000 | 1,573 |
| Additional noninterest expense | $2,450,000 | 2,359 |
| Pre-tax net operating income | $1,149,000 | 5,096 |
| Securities gains (losses) | $118,000 | 2,739 |
| Applicable income taxes | $425,000 | 4,575 |
| Income before extraordinary items | $842,000 | 5,150 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $842,000 | 5,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $660,000 | 2,058 |
| Cash dividends | $156,000 | 5,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $764,120 | 5,217 |
* 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.