Home > Peoples Home Savings Bank > Income and Expense
Peoples Home Savings Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,023,000 | 1,790 |
| Total interest expense | $7,667,000 | 1,055 |
| Net interest income | $8,356,000 | 2,449 |
| Provision for loan and lease losses | $390,000 | 2,417 |
| Total noninterest income | $1,055,000 | 3,411 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $833,000 | 2,066 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $222,000 | 4,894 |
| Total noninterest expense | $7,639,000 | 2,089 |
| Salaries and employee benefits | $4,524,000 | 1,929 |
| Premises and equipment expense | $1,178,000 | 1,946 |
| Additional noninterest expense | $1,937,000 | 2,495 |
| Pre-tax net operating income | $1,382,000 | 4,465 |
| Securities gains (losses) | $627,000 | 389 |
| Applicable income taxes | $381,000 | 3,795 |
| Income before extraordinary items | $1,628,000 | 3,420 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,628,000 | 3,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $584,000 | 1,186 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,120,130 | 4,312 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $12,010,000 | 1,765 |
| Total interest expense | $5,789,000 | 1,027 |
| Net interest income | $6,221,000 | 2,432 |
| Provision for loan and lease losses | $300,000 | 2,260 |
| Total noninterest income | $789,000 | 3,442 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $623,000 | 2,092 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $166,000 | 4,899 |
| Total noninterest expense | $5,579,000 | 2,140 |
| Salaries and employee benefits | $3,386,000 | 1,930 |
| Premises and equipment expense | $895,000 | 1,918 |
| Additional noninterest expense | $1,298,000 | 2,710 |
| Pre-tax net operating income | $1,131,000 | 4,316 |
| Securities gains (losses) | $484,000 | 433 |
| Applicable income taxes | $240,000 | 4,155 |
| Income before extraordinary items | $1,375,000 | 3,194 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,375,000 | 3,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 1,140 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $963,600 | 4,035 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,062,000 | 1,747 |
| Total interest expense | $3,887,000 | 1,000 |
| Net interest income | $4,175,000 | 2,388 |
| Provision for loan and lease losses | $210,000 | 2,090 |
| Total noninterest income | $522,000 | 3,472 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $418,000 | 2,063 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $104,000 | 5,095 |
| Total noninterest expense | $3,683,000 | 2,164 |
| Salaries and employee benefits | $2,234,000 | 1,947 |
| Premises and equipment expense | $608,000 | 1,875 |
| Additional noninterest expense | $841,000 | 2,801 |
| Pre-tax net operating income | $804,000 | 4,094 |
| Securities gains (losses) | $177,000 | 708 |
| Applicable income taxes | $115,000 | 4,662 |
| Income before extraordinary items | $866,000 | 3,315 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $866,000 | 3,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,124 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $710,240 | 3,730 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,093,000 | 1,720 |
| Total interest expense | $1,971,000 | 1,011 |
| Net interest income | $2,122,000 | 2,351 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $253,000 | 3,497 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $203,000 | 2,053 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $50,000 | 5,122 |
| Total noninterest expense | $1,899,000 | 2,106 |
| Salaries and employee benefits | $1,146,000 | 1,912 |
| Premises and equipment expense | $319,000 | 1,823 |
| Additional noninterest expense | $434,000 | 2,692 |
| Pre-tax net operating income | $356,000 | 4,387 |
| Securities gains (losses) | $109,000 | 757 |
| Applicable income taxes | $51,000 | 4,825 |
| 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 | $160,000 | 948 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $316,990 | 3,995 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,330,000 | 1,642 |
| Total interest expense | $8,744,000 | 1,016 |
| Net interest income | $8,586,000 | 2,256 |
| Provision for loan and lease losses | $620,000 | 1,792 |
| Total noninterest income | $998,000 | 3,730 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $808,000 | 2,106 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $190,000 | 5,388 |
| Total noninterest expense | $7,115,000 | 2,212 |
| Salaries and employee benefits | $4,358,000 | 1,974 |
| Premises and equipment expense | $1,144,000 | 1,993 |
| Additional noninterest expense | $1,613,000 | 2,886 |
| Pre-tax net operating income | $1,849,000 | 3,571 |
| Securities gains (losses) | $502,000 | 746 |
| Applicable income taxes | $409,000 | 3,734 |
| Income before extraordinary items | $1,942,000 | 2,929 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,942,000 | 2,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $656,000 | 1,293 |
| Cash dividends | $6,000,000 | 543 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,525,340 | 3,352 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,161,000 | 1,656 |
| Total interest expense | $6,684,000 | 1,043 |
| Net interest income | $6,477,000 | 2,260 |
| Provision for loan and lease losses | $500,000 | 1,656 |
| Total noninterest income | $739,000 | 3,819 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $600,000 | 2,143 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $139,000 | 5,488 |
| Total noninterest expense | $5,348,000 | 2,198 |
| Salaries and employee benefits | $3,225,000 | 1,999 |
| Premises and equipment expense | $893,000 | 1,920 |
| Additional noninterest expense | $1,230,000 | 2,818 |
| Pre-tax net operating income | $1,368,000 | 3,721 |
| Securities gains (losses) | $364,000 | 846 |
| Applicable income taxes | $274,000 | 4,090 |
| Income before extraordinary items | $1,458,000 | 3,026 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,458,000 | 3,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $470,000 | 1,225 |
| Cash dividends | $4,000,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,152,240 | 3,433 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,148,000 | 1,607 |
| Total interest expense | $4,611,000 | 1,038 |
| Net interest income | $4,537,000 | 2,152 |
| Provision for loan and lease losses | $370,000 | 1,503 |
| Total noninterest income | $480,000 | 3,830 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $392,000 | 2,135 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $88,000 | 5,563 |
| Total noninterest expense | $3,580,000 | 2,197 |
| Salaries and employee benefits | $2,124,000 | 2,005 |
| Premises and equipment expense | $617,000 | 1,851 |
| Additional noninterest expense | $839,000 | 2,770 |
| Pre-tax net operating income | $1,067,000 | 3,362 |
| Securities gains (losses) | $213,000 | 1,010 |
| Applicable income taxes | $202,000 | 3,952 |
| Income before extraordinary items | $1,078,000 | 2,819 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,078,000 | 2,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $342,000 | 1,128 |
| Cash dividends | $4,000,000 | 418 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $899,080 | 3,048 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,741,000 | 1,565 |
| Total interest expense | $2,339,000 | 1,053 |
| Net interest income | $2,402,000 | 2,034 |
| Provision for loan and lease losses | $190,000 | 1,428 |
| Total noninterest income | $228,000 | 3,851 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $187,000 | 2,139 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 5,651 |
| Total noninterest expense | $1,826,000 | 2,149 |
| Salaries and employee benefits | $1,086,000 | 1,960 |
| Premises and equipment expense | $333,000 | 1,710 |
| Additional noninterest expense | $407,000 | 2,811 |
| Pre-tax net operating income | $614,000 | 3,024 |
| Securities gains (losses) | $145,000 | 810 |
| Applicable income taxes | $150,000 | 3,221 |
| Income before extraordinary items | $609,000 | 2,513 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $609,000 | 2,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 1,044 |
| Cash dividends | $3,000,000 | 276 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $493,000 | 2,838 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,650,000 | 1,567 |
| Total interest expense | $9,803,000 | 1,149 |
| Net interest income | $9,847,000 | 1,964 |
| Provision for loan and lease losses | $735,000 | 1,754 |
| Total noninterest income | $909,000 | 3,684 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $717,000 | 2,212 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $192,000 | 5,118 |
| Total noninterest expense | $6,972,000 | 2,156 |
| Salaries and employee benefits | $4,070,000 | 1,965 |
| Premises and equipment expense | $1,288,000 | 1,710 |
| Additional noninterest expense | $1,614,000 | 2,785 |
| Pre-tax net operating income | $3,049,000 | 2,470 |
| Securities gains (losses) | $82,000 | 1,935 |
| Applicable income taxes | $658,000 | 2,961 |
| Income before extraordinary items | $2,473,000 | 2,375 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,473,000 | 2,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $557,000 | 1,533 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,408,220 | 2,344 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,312,000 | 1,763 |
| Total interest expense | $10,611,000 | 1,537 |
| Net interest income | $8,701,000 | 2,053 |
| Provision for loan and lease losses | $520,000 | 2,133 |
| Total noninterest income | $853,000 | 3,689 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $656,000 | 2,273 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $197,000 | 4,961 |
| Total noninterest expense | $6,131,000 | 2,330 |
| Salaries and employee benefits | $3,430,000 | 2,181 |
| Premises and equipment expense | $1,207,000 | 1,794 |
| Additional noninterest expense | $1,494,000 | 2,880 |
| Pre-tax net operating income | $2,903,000 | 2,327 |
| Securities gains (losses) | $58,000 | 2,211 |
| Applicable income taxes | $755,000 | 2,530 |
| Income before extraordinary items | $2,206,000 | 2,331 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,206,000 | 2,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,629 |
| Cash dividends | $1,380,000 | 1,786 |
| Sale, conversion, retirement of capital stock, net | $11,375,000 | 61 |
| Net operating income | $2,162,500 | 2,292 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,032,000 | 1,828 |
| Total interest expense | $10,537,000 | 1,627 |
| Net interest income | $8,495,000 | 2,087 |
| Provision for loan and lease losses | $555,000 | 1,721 |
| Total noninterest income | $758,000 | 3,786 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $726,000 | 1,905 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $32,000 | 8,456 |
| Total noninterest expense | $5,863,000 | 2,327 |
| Salaries and employee benefits | $3,305,000 | 2,160 |
| Premises and equipment expense | $1,086,000 | 1,912 |
| Additional noninterest expense | $1,472,000 | 2,863 |
| Pre-tax net operating income | $2,835,000 | 2,502 |
| Securities gains (losses) | $7,000 | 1,253 |
| Applicable income taxes | $688,000 | 2,824 |
| Income before extraordinary items | $2,154,000 | 2,375 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,154,000 | 2,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 1,318 |
| Cash dividends | $1,158,000 | 2,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,148,680 | 2,389 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,511,000 | 1,853 |
| Total interest expense | $9,337,000 | 1,611 |
| Net interest income | $8,174,000 | 2,153 |
| Provision for loan and lease losses | $410,000 | 2,065 |
| Total noninterest income | $652,000 | 4,181 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $607,000 | 2,198 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $45,000 | 8,226 |
| Total noninterest expense | $5,976,000 | 2,291 |
| Salaries and employee benefits | $3,323,000 | 2,110 |
| Premises and equipment expense | $1,037,000 | 1,975 |
| Additional noninterest expense | $1,616,000 | 2,666 |
| Pre-tax net operating income | $2,440,000 | 2,850 |
| Securities gains (losses) | $19,000 | 1,429 |
| Applicable income taxes | $618,000 | 3,158 |
| Income before extraordinary items | $1,841,000 | 2,762 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,841,000 | 2,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $337,000 | 1,657 |
| Cash dividends | $2,567,000 | 1,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,826,750 | 2,740 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,117,000 | 2,023 |
| Total interest expense | $8,522,000 | 1,789 |
| Net interest income | $7,595,000 | 2,250 |
| Provision for loan and lease losses | $365,000 | 2,219 |
| Total noninterest income | $703,000 | 3,969 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $616,000 | 2,077 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $87,000 | 6,959 |
| Total noninterest expense | $6,155,000 | 2,122 |
| Salaries and employee benefits | $3,448,000 | 1,926 |
| Premises and equipment expense | $950,000 | 2,049 |
| Additional noninterest expense | $1,757,000 | 2,367 |
| Pre-tax net operating income | $1,778,000 | 3,666 |
| Securities gains (losses) | $117,000 | 1,187 |
| Applicable income taxes | $392,000 | 4,475 |
| Income before extraordinary items | $1,503,000 | 3,258 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,503,000 | 3,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 1,314 |
| Cash dividends | $693,000 | 2,877 |
| Sale, conversion, retirement of capital stock, net | $-306,000 | 10,377 |
| Net operating income | $1,410,570 | 3,324 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,949,000 | 2,190 |
| Total interest expense | $7,857,000 | 1,961 |
| Net interest income | $7,092,000 | 2,450 |
| Provision for loan and lease losses | $555,000 | 1,641 |
| Total noninterest income | $719,000 | 3,904 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $682,000 | 1,916 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $5,600,000 | 2,302 |
| Salaries and employee benefits | $2,938,000 | 2,256 |
| Premises and equipment expense | $753,000 | 2,563 |
| Additional noninterest expense | $1,909,000 | 2,191 |
| Pre-tax net operating income | $1,656,000 | 4,127 |
| Securities gains (losses) | $132,000 | 868 |
| Applicable income taxes | $150,000 | 7,611 |
| Income before extraordinary items | $1,638,000 | 3,096 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,638,000 | 3,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $595,000 | 1,165 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $9,921,000 | 93 |
| Net operating income | $1,516,560 | 3,254 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,586,000 | 2,302 |
| Total interest expense | $7,882,000 | 1,989 |
| Net interest income | $6,704,000 | 2,629 |
| Provision for loan and lease losses | $455,000 | 1,871 |
| Total noninterest income | $703,000 | 4,101 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $649,000 | 2,080 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $54,000 | 8,719 |
| Total noninterest expense | $6,562,000 | 2,109 |
| Salaries and employee benefits | $2,781,000 | 2,389 |
| Premises and equipment expense | $671,000 | 2,912 |
| Additional noninterest expense | $3,110,000 | 1,676 |
| Pre-tax net operating income | $390,000 | 8,561 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-319,000 | 11,313 |
| Income before extraordinary items | $709,000 | 5,727 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $709,000 | 5,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 2,106 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $709,000 | 5,666 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $13,959,000 | 2,400 |
| Total interest expense | $7,598,000 | 2,063 |
| Net interest income | $6,361,000 | 2,806 |
| Provision for loan and lease losses | $370,000 | 1,967 |
| Total noninterest income | $623,000 | 4,450 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $557,000 | 2,426 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $66,000 | 8,506 |
| Total noninterest expense | $4,895,000 | 2,774 |
| Salaries and employee benefits | $2,482,000 | 2,688 |
| Premises and equipment expense | $511,000 | 3,695 |
| Additional noninterest expense | $1,902,000 | 2,508 |
| Pre-tax net operating income | $1,719,000 | 3,999 |
| Securities gains (losses) | $110,000 | 911 |
| Applicable income taxes | $346,000 | 5,489 |
| Income before extraordinary items | $1,483,000 | 3,281 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,483,000 | 3,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,655 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,393,900 | 3,449 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,709,000 | 2,595 |
| Total interest expense | $6,153,000 | 2,031 |
| Net interest income | $5,556,000 | 3,223 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $623,000 | 4,534 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $541,000 | 2,518 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $82,000 | 8,157 |
| Total noninterest expense | $5,013,000 | 2,779 |
| Salaries and employee benefits | $2,155,000 | 3,069 |
| Premises and equipment expense | $599,000 | 3,274 |
| Additional noninterest expense | $2,259,000 | 2,324 |
| Pre-tax net operating income | $866,000 | 6,562 |
| Securities gains (losses) | $223,000 | 464 |
| Applicable income taxes | $175,000 | 7,810 |
| Income before extraordinary items | $914,000 | 4,844 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $914,000 | 4,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,438 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $726,680 | 5,830 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,294,000 | 2,740 |
| Total interest expense | $6,082,000 | 2,136 |
| Net interest income | $5,212,000 | 3,434 |
| Provision for loan and lease losses | $390,000 | 2,506 |
| Total noninterest income | $586,000 | 5,036 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $525,000 | 2,652 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $61,000 | 9,494 |
| Total noninterest expense | $3,999,000 | 3,497 |
| Salaries and employee benefits | $1,792,000 | 3,625 |
| Premises and equipment expense | $513,000 | 3,773 |
| Additional noninterest expense | $1,694,000 | 3,147 |
| Pre-tax net operating income | $1,409,000 | 4,575 |
| Securities gains (losses) | $818,000 | 620 |
| Applicable income taxes | $711,000 | 3,068 |
| Income before extraordinary items | $1,516,000 | 3,215 |
| Extraordinary gains, net | $603,000 | 371 |
| Net income | $2,119,000 | 2,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $317,000 | 2,377 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $959,760 | 4,605 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,773,000 | 2,760 |
| Total interest expense | $7,831,000 | 2,174 |
| Net interest income | $4,942,000 | 3,682 |
| Provision for loan and lease losses | $284,000 | 4,277 |
| Total noninterest income | $458,000 | 5,999 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $415,000 | 3,344 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $43,000 | 10,841 |
| Total noninterest expense | $3,622,000 | 3,816 |
| Salaries and employee benefits | $1,579,000 | 4,034 |
| Premises and equipment expense | $464,000 | 4,242 |
| Additional noninterest expense | $1,579,000 | 3,440 |
| Pre-tax net operating income | $1,494,000 | 4,056 |
| Securities gains (losses) | $577,000 | 968 |
| Applicable income taxes | $707,000 | 2,943 |
| Income before extraordinary items | $1,364,000 | 3,368 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,364,000 | 3,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 4,924 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $983,180 | 4,249 |
* 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.