Home > Savings Bank & Trust > Income and Expense
Savings Bank & Trust, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,950,000 | 1,773 |
| Total interest expense | $2,607,000 | 2,260 |
| Net interest income | $9,343,000 | 1,624 |
| Provision for loan and lease losses | $60,000 | 5,125 |
| Total noninterest income | $2,090,000 | 1,713 |
| Gross Fiduciary activities income | $377,000 | 572 |
| Service charges on deposit accounts | $1,109,000 | 1,213 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $604,000 | 2,493 |
| Total noninterest expense | $8,783,000 | 1,391 |
| Salaries and employee benefits | $4,027,000 | 1,644 |
| Premises and equipment expense | $1,127,000 | 1,543 |
| Additional noninterest expense | $3,629,000 | 1,019 |
| Pre-tax net operating income | $2,590,000 | 2,313 |
| Securities gains (losses) | $91,000 | 1,235 |
| Applicable income taxes | $636,000 | 2,470 |
| Income before extraordinary items | $2,045,000 | 2,275 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,045,000 | 2,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $712,000 | 732 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,975,840 | 2,294 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,080,000 | 1,743 |
| Total interest expense | $1,479,000 | 2,606 |
| Net interest income | $6,601,000 | 1,508 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $1,386,000 | 1,706 |
| Gross Fiduciary activities income | $274,000 | 539 |
| Service charges on deposit accounts | $756,000 | 1,167 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $356,000 | 2,699 |
| Total noninterest expense | $5,537,000 | 1,460 |
| Salaries and employee benefits | $2,356,000 | 1,846 |
| Premises and equipment expense | $726,000 | 1,596 |
| Additional noninterest expense | $2,455,000 | 1,014 |
| Pre-tax net operating income | $2,390,000 | 1,761 |
| Securities gains (losses) | $92,000 | 1,087 |
| Applicable income taxes | $653,000 | 1,800 |
| Income before extraordinary items | $1,829,000 | 1,739 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,829,000 | 1,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,468 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,760,920 | 1,746 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,025,000 | 1,748 |
| Total interest expense | $767,000 | 2,545 |
| Net interest income | $3,258,000 | 1,527 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $681,000 | 1,703 |
| Gross Fiduciary activities income | $145,000 | 531 |
| Service charges on deposit accounts | $379,000 | 1,132 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $157,000 | 2,862 |
| Total noninterest expense | $2,761,000 | 1,481 |
| Salaries and employee benefits | $1,157,000 | 1,900 |
| Premises and equipment expense | $367,000 | 1,604 |
| Additional noninterest expense | $1,237,000 | 996 |
| Pre-tax net operating income | $1,118,000 | 1,831 |
| Securities gains (losses) | $74,000 | 965 |
| Applicable income taxes | $317,000 | 1,842 |
| Income before extraordinary items | $875,000 | 1,791 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $875,000 | 1,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,050 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $820,980 | 1,820 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,407,000 | 2,124 |
| Total interest expense | $3,335,000 | 2,605 |
| Net interest income | $10,072,000 | 1,940 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $2,098,000 | 2,247 |
| Gross Fiduciary activities income | $341,000 | 669 |
| Service charges on deposit accounts | $1,108,000 | 1,560 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $649,000 | 3,109 |
| Total noninterest expense | $7,810,000 | 2,020 |
| Salaries and employee benefits | $3,209,000 | 2,621 |
| Premises and equipment expense | $977,000 | 2,299 |
| Additional noninterest expense | $3,624,000 | 1,366 |
| Pre-tax net operating income | $4,360,000 | 1,849 |
| Securities gains (losses) | $30,000 | 2,926 |
| Applicable income taxes | $1,300,000 | 1,822 |
| Income before extraordinary items | $3,090,000 | 1,987 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,090,000 | 1,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $781,000 | 1,120 |
| Cash dividends | $3,296,000 | 920 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,069,000 | 1,908 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,071,000 | 2,402 |
| Total interest expense | $2,468,000 | 2,717 |
| Net interest income | $6,603,000 | 2,207 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,170,000 | 2,834 |
| Gross Fiduciary activities income | $121,000 | 866 |
| Service charges on deposit accounts | $723,000 | 1,791 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $326,000 | 3,902 |
| Total noninterest expense | $4,987,000 | 2,366 |
| Salaries and employee benefits | $2,054,000 | 3,015 |
| Premises and equipment expense | $566,000 | 2,903 |
| Additional noninterest expense | $2,367,000 | 1,557 |
| Pre-tax net operating income | $2,786,000 | 2,173 |
| Securities gains (losses) | $27,000 | 2,773 |
| Applicable income taxes | $745,000 | 2,302 |
| Income before extraordinary items | $2,068,000 | 2,265 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,068,000 | 2,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $687,000 | 912 |
| Cash dividends | $886,000 | 1,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,048,020 | 2,168 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,541,000 | 3,145 |
| Total interest expense | $1,469,000 | 3,110 |
| Net interest income | $3,072,000 | 3,123 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $422,000 | 4,118 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $276,000 | 2,839 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $146,000 | 4,618 |
| Total noninterest expense | $2,392,000 | 3,173 |
| Salaries and employee benefits | $1,280,000 | 3,205 |
| Premises and equipment expense | $275,000 | 3,745 |
| Additional noninterest expense | $837,000 | 2,776 |
| Pre-tax net operating income | $1,102,000 | 3,284 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $241,000 | 3,619 |
| Income before extraordinary items | $861,000 | 3,321 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $861,000 | 3,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $340,000 | 2,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $861,000 | 3,146 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,298,000 | 3,127 |
| Total interest expense | $749,000 | 3,131 |
| Net interest income | $1,549,000 | 3,087 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $239,000 | 3,738 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $137,000 | 2,770 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $102,000 | 3,896 |
| Total noninterest expense | $1,116,000 | 3,350 |
| Salaries and employee benefits | $634,000 | 3,205 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $346,000 | 3,225 |
| Pre-tax net operating income | $672,000 | 2,822 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $162,000 | 3,089 |
| Income before extraordinary items | $510,000 | 2,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $510,000 | 2,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $169,000 | 2,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $510,000 | 2,764 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,122,000 | 2,987 |
| Total interest expense | $3,495,000 | 3,100 |
| Net interest income | $6,627,000 | 2,876 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $946,000 | 3,599 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $588,000 | 2,603 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $358,000 | 3,896 |
| Total noninterest expense | $4,256,000 | 3,386 |
| Salaries and employee benefits | $2,536,000 | 3,081 |
| Premises and equipment expense | $549,000 | 3,673 |
| Additional noninterest expense | $1,171,000 | 3,677 |
| Pre-tax net operating income | $3,137,000 | 2,400 |
| Securities gains (losses) | $19,000 | 3,191 |
| Applicable income taxes | $811,000 | 2,571 |
| Income before extraordinary items | $2,345,000 | 2,471 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,345,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,736 |
| Cash dividends | $3,664,000 | 797 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,330,940 | 2,396 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,954,000 | 3,065 |
| Total interest expense | $4,857,000 | 3,226 |
| Net interest income | $6,097,000 | 2,909 |
| Provision for loan and lease losses | $86,000 | 5,884 |
| Total noninterest income | $869,000 | 3,652 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $560,000 | 2,588 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $309,000 | 4,054 |
| Total noninterest expense | $4,145,000 | 3,324 |
| Salaries and employee benefits | $2,399,000 | 3,056 |
| Premises and equipment expense | $574,000 | 3,498 |
| Additional noninterest expense | $1,172,000 | 3,576 |
| Pre-tax net operating income | $2,735,000 | 2,474 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $721,000 | 2,617 |
| Income before extraordinary items | $2,014,000 | 2,517 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,014,000 | 2,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,867 |
| Cash dividends | $623,000 | 3,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,014,000 | 2,429 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,647,000 | 3,231 |
| Total interest expense | $5,137,000 | 3,233 |
| Net interest income | $5,510,000 | 3,196 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $727,000 | 3,895 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $514,000 | 2,634 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $213,000 | 4,653 |
| Total noninterest expense | $3,922,000 | 3,389 |
| Salaries and employee benefits | $2,155,000 | 3,257 |
| Premises and equipment expense | $625,000 | 3,151 |
| Additional noninterest expense | $1,142,000 | 3,596 |
| Pre-tax net operating income | $2,279,000 | 3,005 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $591,000 | 3,132 |
| Income before extraordinary items | $1,688,000 | 2,952 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,688,000 | 2,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $588,000 | 3,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,688,000 | 2,938 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,764,000 | 3,285 |
| Total interest expense | $4,312,000 | 3,371 |
| Net interest income | $5,452,000 | 3,180 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $795,000 | 3,632 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $462,000 | 2,824 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $333,000 | 3,781 |
| Total noninterest expense | $3,853,000 | 3,425 |
| Salaries and employee benefits | $2,062,000 | 3,348 |
| Premises and equipment expense | $660,000 | 3,018 |
| Additional noninterest expense | $1,131,000 | 3,632 |
| Pre-tax net operating income | $2,394,000 | 2,893 |
| Securities gains (losses) | $48,000 | 992 |
| Applicable income taxes | $633,000 | 3,105 |
| Income before extraordinary items | $1,809,000 | 2,798 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,809,000 | 2,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-197,000 | 10,128 |
| Cash dividends | $2,370,000 | 1,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,773,480 | 2,810 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,062,000 | 3,216 |
| Total interest expense | $4,761,000 | 3,141 |
| Net interest income | $5,301,000 | 3,224 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $788,000 | 3,664 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $479,000 | 2,654 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $309,000 | 3,963 |
| Total noninterest expense | $3,884,000 | 3,300 |
| Salaries and employee benefits | $2,016,000 | 3,301 |
| Premises and equipment expense | $632,000 | 3,029 |
| Additional noninterest expense | $1,236,000 | 3,283 |
| Pre-tax net operating income | $2,145,000 | 3,151 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $336,000 | 4,878 |
| Income before extraordinary items | $1,817,000 | 2,778 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,817,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,465 |
| Cash dividends | $387,000 | 4,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,810,280 | 2,703 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,784,000 | 3,300 |
| Total interest expense | $4,715,000 | 3,145 |
| Net interest income | $5,069,000 | 3,444 |
| Provision for loan and lease losses | $726,000 | 1,289 |
| Total noninterest income | $695,000 | 3,988 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $416,000 | 3,121 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $279,000 | 4,093 |
| Total noninterest expense | $4,548,000 | 2,787 |
| Salaries and employee benefits | $2,125,000 | 3,111 |
| Premises and equipment expense | $659,000 | 2,899 |
| Additional noninterest expense | $1,764,000 | 2,346 |
| Pre-tax net operating income | $490,000 | 7,977 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $389,000 | 4,959 |
| Income before extraordinary items | $99,000 | 9,971 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $99,000 | 9,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,092 |
| Cash dividends | $382,000 | 4,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $100,280 | 9,917 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,816,000 | 3,677 |
| Total interest expense | $4,290,000 | 3,476 |
| Net interest income | $4,526,000 | 3,886 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $565,000 | 4,745 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $389,000 | 3,417 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $176,000 | 5,526 |
| Total noninterest expense | $3,633,000 | 3,651 |
| Salaries and employee benefits | $1,784,000 | 3,699 |
| Premises and equipment expense | $533,000 | 3,588 |
| Additional noninterest expense | $1,316,000 | 3,492 |
| Pre-tax net operating income | $1,338,000 | 4,741 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $338,000 | 5,442 |
| Income before extraordinary items | $998,000 | 4,523 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $998,000 | 4,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,367 |
| Cash dividends | $354,000 | 4,168 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $999,500 | 4,463 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,934,000 | 4,597 |
| Total interest expense | $3,085,000 | 4,634 |
| Net interest income | $3,849,000 | 4,449 |
| Provision for loan and lease losses | $110,000 | 4,388 |
| Total noninterest income | $488,000 | 5,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $339,000 | 3,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $149,000 | 6,005 |
| Total noninterest expense | $2,948,000 | 4,352 |
| Salaries and employee benefits | $1,517,000 | 4,243 |
| Premises and equipment expense | $426,000 | 4,291 |
| Additional noninterest expense | $1,005,000 | 4,331 |
| Pre-tax net operating income | $1,279,000 | 5,026 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $333,000 | 5,623 |
| Income before extraordinary items | $946,000 | 4,801 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $946,000 | 4,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,571 |
| Cash dividends | $386,000 | 3,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $946,000 | 4,795 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,685,000 | 5,102 |
| Total interest expense | $2,245,000 | 5,086 |
| Net interest income | $3,440,000 | 5,013 |
| Provision for loan and lease losses | $48,000 | 6,241 |
| Total noninterest income | $418,000 | 5,975 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 7,032 |
| Total noninterest expense | $2,582,000 | 5,007 |
| Salaries and employee benefits | $1,278,000 | 4,962 |
| Premises and equipment expense | $355,000 | 5,044 |
| Additional noninterest expense | $949,000 | 4,928 |
| Pre-tax net operating income | $1,228,000 | 5,152 |
| Securities gains (losses) | $-18,000 | 10,260 |
| Applicable income taxes | $296,000 | 5,922 |
| 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 | $4,000 | 8,198 |
| Cash dividends | $148,000 | 6,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $927,680 | 4,838 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,659,000 | 5,206 |
| Total interest expense | $2,259,000 | 5,255 |
| Net interest income | $3,400,000 | 5,071 |
| Provision for loan and lease losses | $96,000 | 5,869 |
| Total noninterest income | $404,000 | 6,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 7,444 |
| Total noninterest expense | $2,427,000 | 5,399 |
| Salaries and employee benefits | $1,191,000 | 5,276 |
| Premises and equipment expense | $360,000 | 5,114 |
| Additional noninterest expense | $876,000 | 5,494 |
| Pre-tax net operating income | $1,281,000 | 4,920 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $333,000 | 5,697 |
| Income before extraordinary items | $948,000 | 4,890 |
| Extraordinary gains, net | $10,000 | 2,939 |
| Net income | $958,000 | 4,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 6,463 |
| Cash dividends | $108,000 | 6,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $948,000 | 4,668 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,014,000 | 5,476 |
| Total interest expense | $2,720,000 | 5,609 |
| Net interest income | $3,294,000 | 5,286 |
| Provision for loan and lease losses | $101,000 | 7,218 |
| Total noninterest income | $378,000 | 6,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,958 |
| Total noninterest expense | $2,316,000 | 5,655 |
| Salaries and employee benefits | $1,097,000 | 5,598 |
| Premises and equipment expense | $425,000 | 4,572 |
| Additional noninterest expense | $794,000 | 6,105 |
| Pre-tax net operating income | $1,255,000 | 4,737 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $349,000 | 5,368 |
| Income before extraordinary items | $906,000 | 4,910 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $906,000 | 4,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 6,766 |
| Cash dividends | $96,000 | 6,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $906,000 | 4,590 |
* 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.