Home > NorthStar Bank > Income and Expense
NorthStar Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,353,000 | 2,647 |
| Total interest expense | $4,364,000 | 2,473 |
| Net interest income | $7,989,000 | 2,704 |
| Provision for loan and lease losses | $790,000 | 1,280 |
| Total noninterest income | $1,098,000 | 3,340 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $334,000 | 3,948 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $764,000 | 2,621 |
| Total noninterest expense | $4,338,000 | 3,628 |
| Salaries and employee benefits | $2,539,000 | 3,436 |
| Premises and equipment expense | $524,000 | 4,034 |
| Additional noninterest expense | $1,275,000 | 3,684 |
| Pre-tax net operating income | $3,959,000 | 2,246 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,291,000 | 1,899 |
| Income before extraordinary items | $2,668,000 | 2,469 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,668,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $663,000 | 932 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,668,000 | 2,434 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,918,000 | 2,674 |
| Total interest expense | $3,170,000 | 2,432 |
| Net interest income | $5,748,000 | 2,785 |
| Provision for loan and lease losses | $610,000 | 1,188 |
| Total noninterest income | $849,000 | 3,276 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $275,000 | 3,757 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $574,000 | 2,622 |
| Total noninterest expense | $3,245,000 | 3,617 |
| Salaries and employee benefits | $1,872,000 | 3,457 |
| Premises and equipment expense | $399,000 | 3,977 |
| Additional noninterest expense | $974,000 | 3,579 |
| Pre-tax net operating income | $2,742,000 | 2,393 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $890,000 | 2,045 |
| Income before extraordinary items | $1,852,000 | 2,637 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,852,000 | 2,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $669,000 | 669 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,852,000 | 2,601 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,734,000 | 2,699 |
| Total interest expense | $1,999,000 | 2,422 |
| Net interest income | $3,735,000 | 2,823 |
| Provision for loan and lease losses | $430,000 | 1,121 |
| Total noninterest income | $604,000 | 3,076 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $193,000 | 3,576 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $411,000 | 2,492 |
| Total noninterest expense | $2,181,000 | 3,573 |
| Salaries and employee benefits | $1,268,000 | 3,397 |
| Premises and equipment expense | $268,000 | 3,939 |
| Additional noninterest expense | $645,000 | 3,588 |
| Pre-tax net operating income | $1,728,000 | 2,445 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $574,000 | 2,074 |
| Income before extraordinary items | $1,154,000 | 2,744 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,154,000 | 2,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,292 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,154,000 | 2,703 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,777,000 | 2,743 |
| Total interest expense | $946,000 | 2,444 |
| Net interest income | $1,831,000 | 2,873 |
| Provision for loan and lease losses | $250,000 | 917 |
| Total noninterest income | $301,000 | 3,050 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $97,000 | 3,512 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $204,000 | 2,457 |
| Total noninterest expense | $1,096,000 | 3,578 |
| Salaries and employee benefits | $631,000 | 3,425 |
| Premises and equipment expense | $134,000 | 3,988 |
| Additional noninterest expense | $331,000 | 3,516 |
| Pre-tax net operating income | $786,000 | 2,610 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $262,000 | 2,195 |
| Income before extraordinary items | $524,000 | 2,940 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $524,000 | 2,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,217 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $524,000 | 2,892 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,608,000 | 2,934 |
| Total interest expense | $3,023,000 | 2,616 |
| Net interest income | $6,585,000 | 3,048 |
| Provision for loan and lease losses | $878,000 | 1,181 |
| Total noninterest income | $679,000 | 4,476 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $273,000 | 4,534 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $406,000 | 3,687 |
| Total noninterest expense | $3,834,000 | 3,886 |
| Salaries and employee benefits | $2,033,000 | 3,944 |
| Premises and equipment expense | $469,000 | 4,285 |
| Additional noninterest expense | $1,332,000 | 3,453 |
| Pre-tax net operating income | $2,552,000 | 2,965 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $851,000 | 2,421 |
| Income before extraordinary items | $1,701,000 | 3,320 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,701,000 | 3,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 1,696 |
| Cash dividends | $75,000 | 5,663 |
| Sale, conversion, retirement of capital stock, net | $2,084,000 | 335 |
| Net operating income | $1,701,000 | 3,250 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,952,000 | 2,992 |
| Total interest expense | $2,171,000 | 2,663 |
| Net interest income | $4,781,000 | 3,112 |
| Provision for loan and lease losses | $669,000 | 1,143 |
| Total noninterest income | $458,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $196,000 | 4,685 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $262,000 | 3,982 |
| Total noninterest expense | $2,752,000 | 3,977 |
| Salaries and employee benefits | $1,489,000 | 3,973 |
| Premises and equipment expense | $341,000 | 4,365 |
| Additional noninterest expense | $922,000 | 3,644 |
| Pre-tax net operating income | $1,818,000 | 3,121 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $609,000 | 2,546 |
| Income before extraordinary items | $1,209,000 | 3,527 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,209,000 | 3,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 1,936 |
| Cash dividends | $75,000 | 4,794 |
| Sale, conversion, retirement of capital stock, net | $2,084,000 | 245 |
| Net operating income | $1,209,000 | 3,449 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,451,000 | 3,092 |
| Total interest expense | $1,389,000 | 2,742 |
| Net interest income | $3,062,000 | 3,229 |
| Provision for loan and lease losses | $489,000 | 1,024 |
| Total noninterest income | $287,000 | 4,927 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $135,000 | 4,590 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $152,000 | 4,279 |
| Total noninterest expense | $1,729,000 | 4,199 |
| Salaries and employee benefits | $874,000 | 4,420 |
| Premises and equipment expense | $220,000 | 4,467 |
| Additional noninterest expense | $635,000 | 3,573 |
| Pre-tax net operating income | $1,131,000 | 3,257 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $373,000 | 2,683 |
| Income before extraordinary items | $758,000 | 3,663 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $758,000 | 3,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 2,992 |
| Cash dividends | $75,000 | 4,419 |
| Sale, conversion, retirement of capital stock, net | $2,084,000 | 165 |
| Net operating income | $758,000 | 3,574 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,033,000 | 3,349 |
| Total interest expense | $652,000 | 2,926 |
| Net interest income | $1,381,000 | 3,480 |
| Provision for loan and lease losses | $169,000 | 1,322 |
| Total noninterest income | $139,000 | 4,970 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $77,000 | 4,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $62,000 | 4,679 |
| Total noninterest expense | $734,000 | 4,757 |
| Salaries and employee benefits | $366,000 | 5,027 |
| Premises and equipment expense | $107,000 | 4,590 |
| Additional noninterest expense | $261,000 | 4,169 |
| Pre-tax net operating income | $617,000 | 3,009 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $203,000 | 2,559 |
| Income before extraordinary items | $414,000 | 3,415 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $414,000 | 3,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,919 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $2,084,000 | 85 |
| Net operating income | $414,000 | 3,301 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,068,000 | 3,789 |
| Total interest expense | $2,479,000 | 3,358 |
| Net interest income | $4,589,000 | 3,942 |
| Provision for loan and lease losses | $490,000 | 2,203 |
| Total noninterest income | $576,000 | 5,074 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $249,000 | 4,766 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $327,000 | 4,331 |
| Total noninterest expense | $2,811,000 | 4,814 |
| Salaries and employee benefits | $1,295,000 | 5,368 |
| Premises and equipment expense | $387,000 | 4,837 |
| Additional noninterest expense | $1,129,000 | 3,907 |
| Pre-tax net operating income | $1,864,000 | 3,548 |
| Securities gains (losses) | $23,000 | 3,134 |
| Applicable income taxes | $624,000 | 2,978 |
| Income before extraordinary items | $1,263,000 | 3,999 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,263,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,366 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 676 |
| Net operating income | $1,247,590 | 3,854 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,051,000 | 3,995 |
| Total interest expense | $1,849,000 | 3,486 |
| Net interest income | $3,202,000 | 4,190 |
| Provision for loan and lease losses | $210,000 | 3,249 |
| Total noninterest income | $391,000 | 5,376 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $167,000 | 5,048 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $224,000 | 4,574 |
| Total noninterest expense | $2,048,000 | 4,897 |
| Salaries and employee benefits | $913,000 | 5,548 |
| Premises and equipment expense | $290,000 | 4,832 |
| Additional noninterest expense | $845,000 | 3,908 |
| Pre-tax net operating income | $1,335,000 | 3,789 |
| Securities gains (losses) | $36,000 | 2,564 |
| Applicable income taxes | $457,000 | 3,186 |
| Income before extraordinary items | $914,000 | 4,245 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $914,000 | 4,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 552 |
| Net operating income | $889,880 | 4,156 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,270,000 | 4,123 |
| Total interest expense | $1,251,000 | 3,539 |
| Net interest income | $2,019,000 | 4,370 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $254,000 | 5,426 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $108,000 | 5,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $146,000 | 4,618 |
| Total noninterest expense | $1,388,000 | 4,843 |
| Salaries and employee benefits | $624,000 | 5,488 |
| Premises and equipment expense | $194,000 | 4,796 |
| Additional noninterest expense | $570,000 | 3,858 |
| Pre-tax net operating income | $805,000 | 4,036 |
| Securities gains (losses) | $23,000 | 2,537 |
| Applicable income taxes | $274,000 | 3,397 |
| Income before extraordinary items | $554,000 | 4,526 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $554,000 | 4,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 569 |
| Net operating income | $538,590 | 4,384 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,615,000 | 4,200 |
| Total interest expense | $631,000 | 3,604 |
| Net interest income | $984,000 | 4,453 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $134,000 | 5,166 |
| 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 | $83,000 | 4,275 |
| Total noninterest expense | $706,000 | 4,766 |
| Salaries and employee benefits | $296,000 | 5,665 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $311,000 | 3,559 |
| Pre-tax net operating income | $362,000 | 4,308 |
| Securities gains (losses) | $23,000 | 1,827 |
| Applicable income taxes | $131,000 | 3,466 |
| Income before extraordinary items | $254,000 | 4,678 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $254,000 | 4,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 394 |
| Net operating income | $238,820 | 4,650 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,013,000 | 4,550 |
| Total interest expense | $2,382,000 | 4,260 |
| Net interest income | $3,631,000 | 4,648 |
| Provision for loan and lease losses | $197,000 | 4,397 |
| Total noninterest income | $458,000 | 5,451 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $212,000 | 5,076 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $246,000 | 4,643 |
| Total noninterest expense | $2,501,000 | 5,089 |
| Salaries and employee benefits | $1,210,000 | 5,454 |
| Premises and equipment expense | $376,000 | 4,852 |
| Additional noninterest expense | $915,000 | 4,483 |
| Pre-tax net operating income | $1,391,000 | 4,303 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $443,000 | 3,692 |
| Income before extraordinary items | $948,000 | 4,740 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $948,000 | 4,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $3,000 | 6,353 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $948,000 | 4,614 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,308,000 | 5,421 |
| Total interest expense | $2,501,000 | 5,399 |
| Net interest income | $2,807,000 | 5,312 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $290,000 | 6,509 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $160,000 | 5,667 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $130,000 | 5,824 |
| Total noninterest expense | $2,012,000 | 5,701 |
| Salaries and employee benefits | $983,000 | 6,045 |
| Premises and equipment expense | $326,000 | 5,266 |
| Additional noninterest expense | $703,000 | 5,280 |
| Pre-tax net operating income | $1,005,000 | 4,882 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $324,000 | 4,119 |
| Income before extraordinary items | $681,000 | 5,296 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $681,000 | 5,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,863 |
| Cash dividends | $3,000 | 6,586 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 640 |
| Net operating income | $681,000 | 5,179 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 5,677 |
| Total interest expense | $2,496,000 | 5,565 |
| Net interest income | $2,580,000 | 5,687 |
| Provision for loan and lease losses | $270,000 | 3,077 |
| Total noninterest income | $223,000 | 7,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 5,921 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 6,813 |
| Total noninterest expense | $1,894,000 | 5,874 |
| Salaries and employee benefits | $891,000 | 6,347 |
| Premises and equipment expense | $297,000 | 5,453 |
| Additional noninterest expense | $706,000 | 5,145 |
| Pre-tax net operating income | $639,000 | 6,444 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $205,000 | 5,340 |
| Income before extraordinary items | $434,000 | 6,660 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $434,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,638 |
| Cash dividends | $1,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $141,000 | 674 |
| Net operating income | $434,000 | 6,672 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,948,000 | 6,415 |
| Total interest expense | $1,752,000 | 6,458 |
| Net interest income | $2,196,000 | 6,285 |
| Provision for loan and lease losses | $127,000 | 4,627 |
| Total noninterest income | $194,000 | 7,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 5,981 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $1,726,000 | 6,239 |
| Salaries and employee benefits | $761,000 | 6,937 |
| Premises and equipment expense | $308,000 | 5,384 |
| Additional noninterest expense | $657,000 | 5,487 |
| Pre-tax net operating income | $537,000 | 6,971 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $188,000 | 5,838 |
| Income before extraordinary items | $349,000 | 7,293 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $349,000 | 7,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,193 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $349,000 | 7,265 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 7,460 |
| Total interest expense | $1,343,000 | 7,557 |
| Net interest income | $1,714,000 | 7,262 |
| Provision for loan and lease losses | $129,000 | 4,493 |
| Total noninterest income | $253,000 | 6,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 6,963 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,537 |
| Total noninterest expense | $1,531,000 | 6,598 |
| Salaries and employee benefits | $557,000 | 8,002 |
| Premises and equipment expense | $301,000 | 5,370 |
| Additional noninterest expense | $673,000 | 5,322 |
| Pre-tax net operating income | $307,000 | 8,352 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $22,000 | 8,844 |
| Income before extraordinary items | $285,000 | 8,002 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $285,000 | 8,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,124 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,839,000 | 401 |
| Net operating income | $285,000 | 7,924 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,383,000 | 8,539 |
| Total interest expense | $985,000 | 8,731 |
| Net interest income | $1,398,000 | 8,237 |
| Provision for loan and lease losses | $73,000 | 5,838 |
| Total noninterest income | $102,000 | 9,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 7,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $1,271,000 | 7,445 |
| Salaries and employee benefits | $587,000 | 8,003 |
| Premises and equipment expense | $288,000 | 5,564 |
| Additional noninterest expense | $396,000 | 7,391 |
| Pre-tax net operating income | $156,000 | 9,813 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $160,000 | 9,498 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $160,000 | 9,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,767 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $270,000 | 631 |
| Net operating income | $156,000 | 9,486 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,480,000 | 10,139 |
| Total interest expense | $580,000 | 10,339 |
| Net interest income | $900,000 | 9,832 |
| Provision for loan and lease losses | $108,000 | 4,918 |
| Total noninterest income | $88,000 | 10,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 9,247 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 8,764 |
| Total noninterest expense | $755,000 | 9,608 |
| Salaries and employee benefits | $303,000 | 10,325 |
| Premises and equipment expense | $140,000 | 8,281 |
| Additional noninterest expense | $312,000 | 8,741 |
| Pre-tax net operating income | $125,000 | 10,236 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $131,000 | 9,961 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $131,000 | 9,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 10,802 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 739 |
| Net operating income | $125,000 | 9,949 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $839,000 | 11,482 |
| Total interest expense | $278,000 | 11,620 |
| Net interest income | $561,000 | 11,238 |
| Provision for loan and lease losses | $139,000 | 3,796 |
| Total noninterest income | $49,000 | 11,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 9,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $617,000 | 10,505 |
| Salaries and employee benefits | $292,000 | 10,818 |
| Premises and equipment expense | $108,000 | 9,386 |
| Additional noninterest expense | $217,000 | 10,218 |
| Pre-tax net operating income | $-146,000 | 11,632 |
| Securities gains (losses) | $22,000 | 1,840 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-124,000 | 11,622 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-124,000 | 11,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,578 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-146,000 | 11,627 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $195,000 | 12,558 |
| Total interest expense | $63,000 | 12,545 |
| Net interest income | $132,000 | 12,548 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $12,000 | 12,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 10,704 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 12,518 |
| Total noninterest expense | $528,000 | 11,465 |
| Salaries and employee benefits | $194,000 | 12,101 |
| Premises and equipment expense | $72,000 | 10,911 |
| Additional noninterest expense | $262,000 | 10,380 |
| Pre-tax net operating income | $-414,000 | 12,354 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-414,000 | 12,325 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-414,000 | 12,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $2,800,000 | 252 |
| Net operating income | $-414,000 | 12,335 |
* 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.