Home > Peoples Community Bank > Income and Expense
Peoples Community Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,408,000 | 3,092 |
| Total interest expense | $776,000 | 2,868 |
| Net interest income | $1,632,000 | 3,162 |
| Provision for loan and lease losses | $80,000 | 2,398 |
| Total noninterest income | $191,000 | 4,090 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $150,000 | 2,558 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $41,000 | 5,596 |
| Total noninterest expense | $877,000 | 4,249 |
| Salaries and employee benefits | $391,000 | 4,921 |
| Premises and equipment expense | $69,000 | 5,998 |
| Additional noninterest expense | $417,000 | 2,912 |
| Pre-tax net operating income | $866,000 | 2,407 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $303,000 | 1,965 |
| Income before extraordinary items | $567,000 | 2,737 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $567,000 | 2,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $564,400 | 2,702 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,307,000 | 3,015 |
| Total interest expense | $2,969,000 | 2,654 |
| Net interest income | $6,338,000 | 3,145 |
| Provision for loan and lease losses | $443,000 | 2,174 |
| Total noninterest income | $688,000 | 4,435 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $710,000 | 2,345 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-22,000 | 8,939 |
| Total noninterest expense | $3,568,000 | 4,108 |
| Salaries and employee benefits | $1,534,000 | 4,871 |
| Premises and equipment expense | $247,000 | 6,217 |
| Additional noninterest expense | $1,787,000 | 2,662 |
| Pre-tax net operating income | $3,015,000 | 2,578 |
| Securities gains (losses) | $43,000 | 1,860 |
| Applicable income taxes | $1,072,000 | 2,042 |
| Income before extraordinary items | $1,986,000 | 2,937 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,986,000 | 2,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $494,000 | 1,355 |
| Cash dividends | $1,000,000 | 2,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,958,050 | 2,916 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 3,004 |
| Total interest expense | $2,202,000 | 2,630 |
| Net interest income | $4,728,000 | 3,139 |
| Provision for loan and lease losses | $610,000 | 1,220 |
| Total noninterest income | $512,000 | 4,471 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $545,000 | 2,328 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $-33,000 | 9,009 |
| Total noninterest expense | $2,682,000 | 4,077 |
| Salaries and employee benefits | $1,150,000 | 4,819 |
| Premises and equipment expense | $196,000 | 6,042 |
| Additional noninterest expense | $1,336,000 | 2,644 |
| Pre-tax net operating income | $1,948,000 | 2,955 |
| Securities gains (losses) | $38,000 | 1,863 |
| Applicable income taxes | $685,000 | 2,353 |
| Income before extraordinary items | $1,301,000 | 3,351 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,301,000 | 3,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $548,000 | 884 |
| Cash dividends | $750,000 | 2,092 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,275,920 | 3,307 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,549,000 | 3,032 |
| Total interest expense | $1,476,000 | 2,612 |
| Net interest income | $3,073,000 | 3,221 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $303,000 | 4,796 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $356,000 | 2,359 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $-53,000 | 9,073 |
| Total noninterest expense | $1,846,000 | 3,991 |
| Salaries and employee benefits | $772,000 | 4,834 |
| Premises and equipment expense | $126,000 | 6,189 |
| Additional noninterest expense | $948,000 | 2,501 |
| Pre-tax net operating income | $1,440,000 | 2,670 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $485,000 | 2,254 |
| Income before extraordinary items | $959,000 | 3,039 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $959,000 | 3,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 1,811 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $956,360 | 2,963 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,281,000 | 3,034 |
| Total interest expense | $760,000 | 2,579 |
| Net interest income | $1,521,000 | 3,220 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $77,000 | 6,377 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $172,000 | 2,379 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $-95,000 | 9,120 |
| Total noninterest expense | $952,000 | 3,913 |
| Salaries and employee benefits | $397,000 | 4,768 |
| Premises and equipment expense | $60,000 | 6,320 |
| Additional noninterest expense | $495,000 | 2,384 |
| Pre-tax net operating income | $646,000 | 2,889 |
| Securities gains (losses) | $4,000 | 2,410 |
| Applicable income taxes | $177,000 | 2,786 |
| Income before extraordinary items | $473,000 | 3,068 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $473,000 | 3,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 1,157 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $470,080 | 2,971 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,510,000 | 2,975 |
| Total interest expense | $3,848,000 | 2,300 |
| Net interest income | $5,662,000 | 3,343 |
| Provision for loan and lease losses | $1,103,000 | 1,077 |
| Total noninterest income | $830,000 | 4,146 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $727,000 | 2,289 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $103,000 | 6,482 |
| Total noninterest expense | $4,148,000 | 3,613 |
| Salaries and employee benefits | $1,535,000 | 4,777 |
| Premises and equipment expense | $238,000 | 6,324 |
| Additional noninterest expense | $2,375,000 | 2,029 |
| Pre-tax net operating income | $1,241,000 | 4,600 |
| Securities gains (losses) | $7,000 | 3,771 |
| Applicable income taxes | $373,000 | 3,919 |
| Income before extraordinary items | $875,000 | 5,007 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $875,000 | 5,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,785,000 | 603 |
| Cash dividends | $300,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $870,100 | 4,861 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,236,000 | 2,974 |
| Total interest expense | $3,005,000 | 2,289 |
| Net interest income | $4,231,000 | 3,363 |
| Provision for loan and lease losses | $1,073,000 | 841 |
| Total noninterest income | $722,000 | 3,868 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $564,000 | 2,238 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $158,000 | 5,235 |
| Total noninterest expense | $3,042,000 | 3,668 |
| Salaries and employee benefits | $1,148,000 | 4,775 |
| Premises and equipment expense | $186,000 | 6,196 |
| Additional noninterest expense | $1,708,000 | 2,104 |
| Pre-tax net operating income | $838,000 | 5,005 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $271,000 | 4,111 |
| Income before extraordinary items | $567,000 | 5,548 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $567,000 | 5,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,669,000 | 502 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $567,000 | 5,362 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,896,000 | 2,954 |
| Total interest expense | $2,062,000 | 2,301 |
| Net interest income | $2,834,000 | 3,344 |
| Provision for loan and lease losses | $1,173,000 | 578 |
| Total noninterest income | $492,000 | 3,775 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $373,000 | 2,221 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $119,000 | 5,003 |
| Total noninterest expense | $2,095,000 | 3,548 |
| Salaries and employee benefits | $749,000 | 4,844 |
| Premises and equipment expense | $125,000 | 6,160 |
| Additional noninterest expense | $1,221,000 | 1,956 |
| Pre-tax net operating income | $58,000 | 8,316 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-9,000 | 8,989 |
| Income before extraordinary items | $67,000 | 8,262 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $67,000 | 8,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $835,000 | 581 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $67,000 | 8,116 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,527,000 | 2,881 |
| Total interest expense | $1,046,000 | 2,329 |
| Net interest income | $1,481,000 | 3,207 |
| Provision for loan and lease losses | $706,000 | 493 |
| Total noninterest income | $237,000 | 3,758 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $189,000 | 2,117 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 5,346 |
| Total noninterest expense | $875,000 | 4,082 |
| Salaries and employee benefits | $373,000 | 4,868 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $443,000 | 2,603 |
| Pre-tax net operating income | $137,000 | 6,658 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $51,000 | 5,066 |
| Income before extraordinary items | $86,000 | 7,154 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $86,000 | 7,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $699,000 | 391 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $86,000 | 7,003 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,959,000 | 2,775 |
| Total interest expense | $4,668,000 | 2,379 |
| Net interest income | $6,291,000 | 3,016 |
| Provision for loan and lease losses | $3,703,000 | 473 |
| Total noninterest income | $1,069,000 | 3,325 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $893,000 | 1,801 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $176,000 | 5,270 |
| Total noninterest expense | $3,386,000 | 4,073 |
| Salaries and employee benefits | $1,446,000 | 4,829 |
| Premises and equipment expense | $259,000 | 6,017 |
| Additional noninterest expense | $1,681,000 | 2,685 |
| Pre-tax net operating income | $271,000 | 7,664 |
| Securities gains (losses) | $17,000 | 3,266 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $288,000 | 7,380 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $288,000 | 7,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,421,000 | 408 |
| Cash dividends | $2,500,000 | 1,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $271,000 | 7,371 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,257,000 | 2,576 |
| Total interest expense | $6,873,000 | 2,325 |
| Net interest income | $6,384,000 | 2,782 |
| Provision for loan and lease losses | $1,525,000 | 893 |
| Total noninterest income | $1,199,000 | 2,936 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $990,000 | 1,488 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $209,000 | 4,833 |
| Total noninterest expense | $3,601,000 | 3,738 |
| Salaries and employee benefits | $1,462,000 | 4,607 |
| Premises and equipment expense | $301,000 | 5,503 |
| Additional noninterest expense | $1,838,000 | 2,425 |
| Pre-tax net operating income | $2,457,000 | 2,700 |
| Securities gains (losses) | $103,000 | 1,721 |
| Applicable income taxes | $777,000 | 2,486 |
| Income before extraordinary items | $1,783,000 | 2,821 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,783,000 | 2,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $892,000 | 1,019 |
| Cash dividends | $1,500,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,710,900 | 2,826 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,445,000 | 2,413 |
| Total interest expense | $7,144,000 | 2,368 |
| Net interest income | $7,301,000 | 2,431 |
| Provision for loan and lease losses | $412,000 | 2,228 |
| Total noninterest income | $1,184,000 | 2,784 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,019,000 | 1,330 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $165,000 | 5,249 |
| Total noninterest expense | $3,278,000 | 3,932 |
| Salaries and employee benefits | $1,387,000 | 4,658 |
| Premises and equipment expense | $304,000 | 5,381 |
| Additional noninterest expense | $1,587,000 | 2,671 |
| Pre-tax net operating income | $4,795,000 | 1,540 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,691,000 | 1,360 |
| Income before extraordinary items | $3,104,000 | 1,688 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,104,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $930,000 | 788 |
| Cash dividends | $1,450,000 | 1,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,104,000 | 1,683 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,075,000 | 2,502 |
| Total interest expense | $5,933,000 | 2,491 |
| Net interest income | $7,142,000 | 2,471 |
| Provision for loan and lease losses | $925,000 | 1,036 |
| Total noninterest income | $1,264,000 | 2,603 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,106,000 | 1,201 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $158,000 | 5,485 |
| Total noninterest expense | $3,074,000 | 4,129 |
| Salaries and employee benefits | $1,327,000 | 4,794 |
| Premises and equipment expense | $301,000 | 5,454 |
| Additional noninterest expense | $1,446,000 | 2,954 |
| Pre-tax net operating income | $4,407,000 | 1,711 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $1,509,000 | 1,597 |
| Income before extraordinary items | $2,906,000 | 1,836 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,906,000 | 1,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $616,000 | 1,025 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,900,720 | 1,807 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,368,000 | 2,636 |
| Total interest expense | $6,209,000 | 2,433 |
| Net interest income | $6,159,000 | 2,786 |
| Provision for loan and lease losses | $760,000 | 1,223 |
| Total noninterest income | $973,000 | 3,144 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $853,000 | 1,477 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $120,000 | 6,209 |
| Total noninterest expense | $2,862,000 | 4,298 |
| Salaries and employee benefits | $1,241,000 | 4,944 |
| Premises and equipment expense | $283,000 | 5,554 |
| Additional noninterest expense | $1,338,000 | 3,057 |
| Pre-tax net operating income | $3,510,000 | 2,062 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $1,213,000 | 1,977 |
| Income before extraordinary items | $2,300,000 | 2,267 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,300,000 | 2,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 1,358 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,298,050 | 2,194 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,343,000 | 3,136 |
| Total interest expense | $5,418,000 | 2,764 |
| Net interest income | $4,925,000 | 3,539 |
| Provision for loan and lease losses | $805,000 | 1,175 |
| Total noninterest income | $839,000 | 3,458 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $731,000 | 1,777 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $108,000 | 6,568 |
| Total noninterest expense | $2,480,000 | 4,809 |
| Salaries and employee benefits | $1,194,000 | 5,118 |
| Premises and equipment expense | $285,000 | 5,598 |
| Additional noninterest expense | $1,001,000 | 3,905 |
| Pre-tax net operating income | $2,479,000 | 2,933 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $801,000 | 2,924 |
| Income before extraordinary items | $1,678,000 | 3,025 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,678,000 | 3,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $526,000 | 1,285 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,678,000 | 2,968 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,292,000 | 4,404 |
| Total interest expense | $3,681,000 | 3,996 |
| Net interest income | $3,611,000 | 4,701 |
| Provision for loan and lease losses | $450,000 | 1,887 |
| Total noninterest income | $827,000 | 3,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $726,000 | 1,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,088 |
| Total noninterest expense | $1,854,000 | 6,265 |
| Salaries and employee benefits | $992,000 | 6,024 |
| Premises and equipment expense | $223,000 | 6,642 |
| Additional noninterest expense | $639,000 | 6,104 |
| Pre-tax net operating income | $2,134,000 | 3,239 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $776,000 | 2,928 |
| Income before extraordinary items | $1,358,000 | 3,499 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,358,000 | 3,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,609 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,358,000 | 3,452 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,596,000 | 5,515 |
| Total interest expense | $2,722,000 | 5,191 |
| Net interest income | $2,874,000 | 5,694 |
| Provision for loan and lease losses | $385,000 | 1,912 |
| Total noninterest income | $633,000 | 4,410 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $577,000 | 2,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,932 |
| Total noninterest expense | $1,526,000 | 7,186 |
| Salaries and employee benefits | $829,000 | 6,959 |
| Premises and equipment expense | $186,000 | 7,481 |
| Additional noninterest expense | $511,000 | 7,168 |
| Pre-tax net operating income | $1,596,000 | 4,239 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $544,000 | 3,942 |
| Income before extraordinary items | $1,056,000 | 4,388 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,056,000 | 4,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,579 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,053,360 | 4,389 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,619,000 | 7,162 |
| Total interest expense | $1,483,000 | 6,944 |
| Net interest income | $2,136,000 | 7,233 |
| Provision for loan and lease losses | $521,000 | 1,494 |
| Total noninterest income | $429,000 | 5,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,565 |
| Total noninterest expense | $1,286,000 | 8,297 |
| Salaries and employee benefits | $661,000 | 8,188 |
| Premises and equipment expense | $161,000 | 8,273 |
| Additional noninterest expense | $464,000 | 8,204 |
| Pre-tax net operating income | $758,000 | 7,090 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $257,000 | 6,426 |
| Income before extraordinary items | $501,000 | 7,307 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $501,000 | 7,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,996 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $501,000 | 7,334 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,962,000 | 10,261 |
| Total interest expense | $796,000 | 10,074 |
| Net interest income | $1,166,000 | 10,180 |
| Provision for loan and lease losses | $119,000 | 5,369 |
| Total noninterest income | $355,000 | 6,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $295,000 | 4,494 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,542 |
| Total noninterest expense | $1,119,000 | 9,255 |
| Salaries and employee benefits | $541,000 | 9,297 |
| Premises and equipment expense | $152,000 | 8,840 |
| Additional noninterest expense | $426,000 | 8,967 |
| Pre-tax net operating income | $283,000 | 10,375 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $57,000 | 10,777 |
| Income before extraordinary items | $230,000 | 10,269 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $230,000 | 10,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 6,815 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $226,800 | 10,080 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,356,000 | 12,275 |
| Total interest expense | $561,000 | 12,480 |
| Net interest income | $795,000 | 11,923 |
| Provision for loan and lease losses | $118,000 | 6,873 |
| Total noninterest income | $270,000 | 8,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $941,000 | 10,253 |
| Salaries and employee benefits | $409,000 | 10,756 |
| Premises and equipment expense | $219,000 | 7,420 |
| Additional noninterest expense | $313,000 | 10,647 |
| Pre-tax net operating income | $6,000 | 12,664 |
| Securities gains (losses) | $-24,000 | 13,523 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-18,000 | 12,937 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-18,000 | 12,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 6,412 |
| Cash dividends | $9,000 | 8,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $6,000 | 12,622 |
* 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.