Home > Nevada First Bank > Income and Expense
Nevada First Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,890,000 | 1,050 |
| Total interest expense | $2,646,000 | 1,392 |
| Net interest income | $6,244,000 | 905 |
| Provision for loan and lease losses | $1,728,000 | 183 |
| Total noninterest income | $109,000 | 5,421 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $139,000 | 2,764 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-30,000 | 8,779 |
| Total noninterest expense | $4,455,000 | 1,017 |
| Salaries and employee benefits | $3,121,000 | 773 |
| Premises and equipment expense | $466,000 | 1,392 |
| Additional noninterest expense | $868,000 | 1,513 |
| Pre-tax net operating income | $170,000 | 6,165 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $59,000 | 4,298 |
| Income before extraordinary items | $111,000 | 6,555 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $111,000 | 6,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $111,000 | 6,552 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $27,866,000 | 1,199 |
| Total interest expense | $7,677,000 | 1,480 |
| Net interest income | $20,189,000 | 1,072 |
| Provision for loan and lease losses | $456,000 | 2,042 |
| Total noninterest income | $1,474,000 | 2,720 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $552,000 | 2,833 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $922,000 | 2,329 |
| Total noninterest expense | $12,358,000 | 1,384 |
| Salaries and employee benefits | $6,663,000 | 1,395 |
| Premises and equipment expense | $2,746,000 | 860 |
| Additional noninterest expense | $2,949,000 | 1,712 |
| Pre-tax net operating income | $8,849,000 | 1,095 |
| Securities gains (losses) | $-55,000 | 8,222 |
| Applicable income taxes | $2,991,000 | 950 |
| Income before extraordinary items | $5,803,000 | 1,243 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,803,000 | 1,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-93,000 | 8,615 |
| Cash dividends | $525,000 | 3,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,839,300 | 1,214 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $19,599,000 | 1,239 |
| Total interest expense | $5,148,000 | 1,564 |
| Net interest income | $14,451,000 | 1,114 |
| Provision for loan and lease losses | $259,000 | 2,482 |
| Total noninterest income | $1,158,000 | 2,649 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $424,000 | 2,787 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $734,000 | 2,241 |
| Total noninterest expense | $8,030,000 | 1,583 |
| Salaries and employee benefits | $4,380,000 | 1,590 |
| Premises and equipment expense | $1,474,000 | 1,236 |
| Additional noninterest expense | $2,176,000 | 1,717 |
| Pre-tax net operating income | $7,320,000 | 1,001 |
| Securities gains (losses) | $-55,000 | 8,509 |
| Applicable income taxes | $2,470,000 | 914 |
| Income before extraordinary items | $4,795,000 | 1,134 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,795,000 | 1,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-93,000 | 8,617 |
| Cash dividends | $350,000 | 3,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,831,300 | 1,099 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,974,000 | 1,311 |
| Total interest expense | $2,930,000 | 1,725 |
| Net interest income | $9,044,000 | 1,171 |
| Provision for loan and lease losses | $259,000 | 1,734 |
| Total noninterest income | $798,000 | 2,542 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $319,000 | 2,498 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $479,000 | 2,256 |
| Total noninterest expense | $5,273,000 | 1,601 |
| Salaries and employee benefits | $2,845,000 | 1,623 |
| Premises and equipment expense | $975,000 | 1,230 |
| Additional noninterest expense | $1,453,000 | 1,699 |
| Pre-tax net operating income | $4,310,000 | 1,093 |
| Securities gains (losses) | $-55,000 | 8,613 |
| Applicable income taxes | $1,445,000 | 989 |
| Income before extraordinary items | $2,810,000 | 1,254 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,810,000 | 1,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-93,000 | 8,647 |
| Cash dividends | $350,000 | 2,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,846,300 | 1,208 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,513,000 | 1,397 |
| Total interest expense | $1,222,000 | 1,938 |
| Net interest income | $4,291,000 | 1,233 |
| Provision for loan and lease losses | $273,000 | 853 |
| Total noninterest income | $489,000 | 2,167 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $203,000 | 1,981 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $286,000 | 1,946 |
| Total noninterest expense | $2,599,000 | 1,631 |
| Salaries and employee benefits | $1,403,000 | 1,651 |
| Premises and equipment expense | $480,000 | 1,254 |
| Additional noninterest expense | $716,000 | 1,719 |
| Pre-tax net operating income | $1,908,000 | 1,201 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $649,000 | 1,069 |
| Income before extraordinary items | $1,259,000 | 1,371 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,259,000 | 1,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,691 |
| Cash dividends | $175,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,259,000 | 1,340 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $18,373,000 | 1,570 |
| Total interest expense | $3,549,000 | 2,279 |
| Net interest income | $14,824,000 | 1,362 |
| Provision for loan and lease losses | $1,239,000 | 861 |
| Total noninterest income | $1,271,000 | 3,005 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $666,000 | 2,486 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $605,000 | 2,977 |
| Total noninterest expense | $8,681,000 | 1,861 |
| Salaries and employee benefits | $4,559,000 | 1,917 |
| Premises and equipment expense | $1,667,000 | 1,383 |
| Additional noninterest expense | $2,455,000 | 1,990 |
| Pre-tax net operating income | $6,175,000 | 1,394 |
| Securities gains (losses) | $-26,000 | 8,443 |
| Applicable income taxes | $2,091,000 | 1,219 |
| Income before extraordinary items | $4,058,000 | 1,592 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,058,000 | 1,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,848 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,075,160 | 1,544 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,222,000 | 1,616 |
| Total interest expense | $2,485,000 | 2,375 |
| Net interest income | $10,737,000 | 1,395 |
| Provision for loan and lease losses | $1,383,000 | 573 |
| Total noninterest income | $880,000 | 3,190 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $500,000 | 2,497 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $380,000 | 3,286 |
| Total noninterest expense | $6,086,000 | 1,972 |
| Salaries and employee benefits | $3,341,000 | 1,951 |
| Premises and equipment expense | $1,207,000 | 1,433 |
| Additional noninterest expense | $1,538,000 | 2,340 |
| Pre-tax net operating income | $4,148,000 | 1,555 |
| Securities gains (losses) | $-30,000 | 8,730 |
| Applicable income taxes | $1,400,000 | 1,362 |
| Income before extraordinary items | $2,718,000 | 1,777 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,718,000 | 1,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,607 |
| Cash dividends | $100,000 | 4,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,737,800 | 1,714 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,435,000 | 1,664 |
| Total interest expense | $1,505,000 | 2,561 |
| Net interest income | $6,930,000 | 1,431 |
| Provision for loan and lease losses | $828,000 | 619 |
| Total noninterest income | $547,000 | 3,373 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $333,000 | 2,497 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $214,000 | 3,611 |
| Total noninterest expense | $4,059,000 | 1,967 |
| Salaries and employee benefits | $2,233,000 | 1,951 |
| Premises and equipment expense | $791,000 | 1,463 |
| Additional noninterest expense | $1,035,000 | 2,321 |
| Pre-tax net operating income | $2,590,000 | 1,631 |
| Securities gains (losses) | $-30,000 | 8,857 |
| Applicable income taxes | $870,000 | 1,438 |
| Income before extraordinary items | $1,690,000 | 1,862 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,690,000 | 1,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,427 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,709,800 | 1,790 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,047,000 | 1,737 |
| Total interest expense | $727,000 | 2,667 |
| Net interest income | $3,320,000 | 1,498 |
| Provision for loan and lease losses | $395,000 | 635 |
| Total noninterest income | $281,000 | 3,255 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $168,000 | 2,432 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $113,000 | 3,446 |
| Total noninterest expense | $1,808,000 | 2,205 |
| Salaries and employee benefits | $974,000 | 2,251 |
| Premises and equipment expense | $391,000 | 1,495 |
| Additional noninterest expense | $443,000 | 2,643 |
| Pre-tax net operating income | $1,398,000 | 1,487 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $499,000 | 1,291 |
| Income before extraordinary items | $899,000 | 1,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $899,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $899,000 | 1,661 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $14,268,000 | 1,984 |
| Total interest expense | $3,262,000 | 2,659 |
| Net interest income | $11,006,000 | 1,778 |
| Provision for loan and lease losses | $170,000 | 4,359 |
| Total noninterest income | $335,000 | 6,356 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $469,000 | 3,269 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-134,000 | 9,168 |
| Total noninterest expense | $7,393,000 | 2,129 |
| Salaries and employee benefits | $4,044,000 | 2,104 |
| Premises and equipment expense | $1,504,000 | 1,512 |
| Additional noninterest expense | $1,845,000 | 2,577 |
| Pre-tax net operating income | $3,778,000 | 2,061 |
| Securities gains (losses) | $-10,000 | 8,783 |
| Applicable income taxes | $1,291,000 | 1,832 |
| Income before extraordinary items | $2,477,000 | 2,391 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,477,000 | 2,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 2,202 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 565 |
| Net operating income | $2,483,600 | 2,279 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,616,000 | 2,039 |
| Total interest expense | $2,525,000 | 2,663 |
| Net interest income | $8,091,000 | 1,822 |
| Provision for loan and lease losses | $15,000 | 6,935 |
| Total noninterest income | $101,000 | 8,008 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $338,000 | 3,376 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-237,000 | 9,237 |
| Total noninterest expense | $4,952,000 | 2,382 |
| Salaries and employee benefits | $2,556,000 | 2,471 |
| Premises and equipment expense | $1,109,000 | 1,546 |
| Additional noninterest expense | $1,287,000 | 2,725 |
| Pre-tax net operating income | $3,225,000 | 1,928 |
| Securities gains (losses) | $-10,000 | 8,939 |
| Applicable income taxes | $1,091,000 | 1,726 |
| Income before extraordinary items | $2,124,000 | 2,202 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,124,000 | 2,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,676 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,130,600 | 2,083 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,990,000 | 2,084 |
| Total interest expense | $1,815,000 | 2,580 |
| Net interest income | $5,175,000 | 1,895 |
| Provision for loan and lease losses | $-75,000 | 9,176 |
| Total noninterest income | $-152,000 | 9,258 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $223,000 | 3,357 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $-375,000 | 9,274 |
| Total noninterest expense | $3,136,000 | 2,490 |
| Salaries and employee benefits | $1,628,000 | 2,579 |
| Premises and equipment expense | $742,000 | 1,539 |
| Additional noninterest expense | $766,000 | 2,981 |
| Pre-tax net operating income | $1,962,000 | 2,078 |
| Securities gains (losses) | $27,000 | 2,433 |
| Applicable income taxes | $677,000 | 1,865 |
| Income before extraordinary items | $1,312,000 | 2,367 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,312,000 | 2,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,222 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,294,180 | 2,268 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,427,000 | 2,146 |
| Total interest expense | $964,000 | 2,513 |
| Net interest income | $2,463,000 | 1,988 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $188,000 | 4,314 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 3,304 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 4,393 |
| Total noninterest expense | $1,727,000 | 2,262 |
| Salaries and employee benefits | $806,000 | 2,604 |
| Premises and equipment expense | $371,000 | 1,546 |
| Additional noninterest expense | $550,000 | 2,136 |
| Pre-tax net operating income | $924,000 | 2,189 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $319,000 | 1,969 |
| Income before extraordinary items | $607,000 | 2,521 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $607,000 | 2,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 817 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $605,680 | 2,385 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,445,000 | 2,292 |
| Total interest expense | $4,421,000 | 2,517 |
| Net interest income | $9,024,000 | 2,152 |
| Provision for loan and lease losses | $1,390,000 | 1,008 |
| Total noninterest income | $708,000 | 4,306 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $313,000 | 4,137 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $395,000 | 3,731 |
| Total noninterest expense | $6,516,000 | 2,295 |
| Salaries and employee benefits | $3,421,000 | 2,335 |
| Premises and equipment expense | $1,619,000 | 1,362 |
| Additional noninterest expense | $1,476,000 | 2,987 |
| Pre-tax net operating income | $1,826,000 | 3,626 |
| Securities gains (losses) | $64,000 | 2,184 |
| Applicable income taxes | $630,000 | 3,036 |
| Income before extraordinary items | $1,260,000 | 3,952 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,260,000 | 3,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,470 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $1,064,000 | 366 |
| Net operating income | $1,217,120 | 3,943 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,923,000 | 2,638 |
| Total interest expense | $6,849,000 | 2,335 |
| Net interest income | $6,074,000 | 2,919 |
| Provision for loan and lease losses | $241,000 | 3,696 |
| Total noninterest income | $406,000 | 5,637 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $166,000 | 5,565 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $240,000 | 4,564 |
| Total noninterest expense | $5,370,000 | 2,636 |
| Salaries and employee benefits | $2,858,000 | 2,624 |
| Premises and equipment expense | $1,223,000 | 1,770 |
| Additional noninterest expense | $1,289,000 | 3,281 |
| Pre-tax net operating income | $869,000 | 5,286 |
| Securities gains (losses) | $79,000 | 1,951 |
| Applicable income taxes | $306,000 | 4,218 |
| Income before extraordinary items | $642,000 | 5,449 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $642,000 | 5,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,210 |
| Cash dividends | $175,000 | 5,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $588,280 | 5,546 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,729,000 | 3,208 |
| Total interest expense | $4,598,000 | 3,559 |
| Net interest income | $6,131,000 | 2,878 |
| Provision for loan and lease losses | $614,000 | 1,576 |
| Total noninterest income | $253,000 | 6,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 5,796 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,317 |
| Total noninterest expense | $3,642,000 | 3,580 |
| Salaries and employee benefits | $1,906,000 | 3,621 |
| Premises and equipment expense | $592,000 | 3,316 |
| Additional noninterest expense | $1,144,000 | 3,595 |
| Pre-tax net operating income | $2,128,000 | 3,163 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $739,000 | 2,671 |
| Income before extraordinary items | $1,386,000 | 3,468 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,386,000 | 3,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,198 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,387,950 | 3,442 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,037,000 | 4,931 |
| Total interest expense | $2,355,000 | 5,413 |
| Net interest income | $3,682,000 | 4,482 |
| Provision for loan and lease losses | $413,000 | 2,057 |
| Total noninterest income | $209,000 | 7,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 6,204 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 7,121 |
| Total noninterest expense | $1,933,000 | 5,813 |
| Salaries and employee benefits | $1,014,000 | 5,828 |
| Premises and equipment expense | $223,000 | 6,448 |
| Additional noninterest expense | $696,000 | 5,258 |
| Pre-tax net operating income | $1,545,000 | 4,011 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $456,000 | 3,828 |
| Income before extraordinary items | $1,089,000 | 4,177 |
| Extraordinary gains, net | $-39,000 | 10,173 |
| Net income | $1,050,000 | 4,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,737 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,530,000 | 392 |
| Net operating income | $1,089,000 | 4,132 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,645,000 | 7,927 |
| Total interest expense | $1,048,000 | 8,294 |
| Net interest income | $1,597,000 | 7,481 |
| Provision for loan and lease losses | $437,000 | 1,928 |
| Total noninterest income | $130,000 | 8,543 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 8,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 6,362 |
| Total noninterest expense | $1,498,000 | 6,705 |
| Salaries and employee benefits | $786,000 | 6,747 |
| Premises and equipment expense | $169,000 | 7,251 |
| Additional noninterest expense | $543,000 | 6,145 |
| Pre-tax net operating income | $-208,000 | 9,999 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-208,000 | 10,053 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-208,000 | 10,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $10,672,000 | 86 |
| Net operating income | $-208,000 | 10,025 |
* 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.