ShoreBank, Income and Expense
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,814,000 | 6,019 |
| Total interest expense | $707,000 | 5,122 |
| Net interest income | $1,107,000 | 6,405 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $294,000 | 4,840 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,000 | 7,756 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $293,000 | 3,100 |
| Total noninterest expense | $1,197,000 | 5,482 |
| Salaries and employee benefits | $658,000 | 5,439 |
| Premises and equipment expense | $53,000 | 7,794 |
| Additional noninterest expense | $486,000 | 4,476 |
| Pre-tax net operating income | $24,000 | 8,261 |
| Securities gains (losses) | $-19,000 | 8,349 |
| Applicable income taxes | $2,000 | 6,782 |
| Income before extraordinary items | $3,000 | 8,360 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,000 | 8,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 1,291 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $15,160 | 8,277 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $875,000 | 6,122 |
| Total interest expense | $340,000 | 5,131 |
| Net interest income | $535,000 | 6,526 |
| Provision for loan and lease losses | $53,000 | 3,110 |
| Total noninterest income | $133,000 | 5,024 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,000 | 7,789 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $132,000 | 3,224 |
| Total noninterest expense | $593,000 | 5,549 |
| Salaries and employee benefits | $330,000 | 5,478 |
| Premises and equipment expense | $27,000 | 7,847 |
| Additional noninterest expense | $236,000 | 4,552 |
| Pre-tax net operating income | $22,000 | 8,236 |
| Securities gains (losses) | $5,000 | 1,192 |
| Applicable income taxes | $10,000 | 6,081 |
| Income before extraordinary items | $17,000 | 8,267 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $17,000 | 8,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 1,576 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $13,800 | 8,296 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,536,000 | 5,941 |
| Total interest expense | $1,149,000 | 5,241 |
| Net interest income | $2,387,000 | 6,148 |
| Provision for loan and lease losses | $314,000 | 2,820 |
| Total noninterest income | $263,000 | 6,666 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,000 | 7,847 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $260,000 | 4,547 |
| Total noninterest expense | $2,362,000 | 5,484 |
| Salaries and employee benefits | $1,383,000 | 5,220 |
| Premises and equipment expense | $107,000 | 7,879 |
| Additional noninterest expense | $872,000 | 4,807 |
| Pre-tax net operating income | $-26,000 | 8,429 |
| Securities gains (losses) | $89,000 | 1,324 |
| Applicable income taxes | $13,000 | 6,689 |
| Income before extraordinary items | $50,000 | 8,284 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $50,000 | 8,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 1,541 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-20,310 | 8,433 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,669,000 | 5,917 |
| Total interest expense | $828,000 | 5,355 |
| Net interest income | $1,841,000 | 6,077 |
| Provision for loan and lease losses | $169,000 | 3,347 |
| Total noninterest income | $181,000 | 6,873 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,000 | 7,895 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $179,000 | 4,730 |
| Total noninterest expense | $1,734,000 | 5,522 |
| Salaries and employee benefits | $1,024,000 | 5,239 |
| Premises and equipment expense | $81,000 | 7,866 |
| Additional noninterest expense | $629,000 | 4,896 |
| Pre-tax net operating income | $119,000 | 8,047 |
| Securities gains (losses) | $90,000 | 1,248 |
| Applicable income taxes | $72,000 | 5,681 |
| Income before extraordinary items | $137,000 | 7,866 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $137,000 | 7,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 1,734 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $77,600 | 8,151 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,780,000 | 5,919 |
| Total interest expense | $526,000 | 5,508 |
| Net interest income | $1,254,000 | 6,017 |
| Provision for loan and lease losses | $124,000 | 3,064 |
| Total noninterest income | $16,000 | 8,821 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,000 | 7,934 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $14,000 | 8,074 |
| Total noninterest expense | $1,176,000 | 5,508 |
| Salaries and employee benefits | $670,000 | 5,341 |
| Premises and equipment expense | $53,000 | 7,915 |
| Additional noninterest expense | $453,000 | 4,656 |
| Pre-tax net operating income | $-30,000 | 8,602 |
| Securities gains (losses) | $80,000 | 1,164 |
| Applicable income taxes | $18,000 | 6,344 |
| Income before extraordinary items | $32,000 | 8,373 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 8,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 1,482 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-19,200 | 8,582 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $868,000 | 6,034 |
| Total interest expense | $258,000 | 5,627 |
| Net interest income | $610,000 | 6,104 |
| Provision for loan and lease losses | $79,000 | 2,509 |
| Total noninterest income | $5,000 | 8,935 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,932 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $578,000 | 5,576 |
| Salaries and employee benefits | $317,000 | 5,552 |
| Premises and equipment expense | $20,000 | 8,263 |
| Additional noninterest expense | $241,000 | 4,449 |
| Pre-tax net operating income | $-42,000 | 8,708 |
| Securities gains (losses) | $88,000 | 875 |
| Applicable income taxes | $16,000 | 5,956 |
| Income before extraordinary items | $30,000 | 8,155 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $30,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 978 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-27,200 | 8,675 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,565,000 | 5,992 |
| Total interest expense | $1,084,000 | 5,879 |
| Net interest income | $2,481,000 | 5,927 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $3,000 | 9,104 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,000 | 8,011 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $0 | 9,041 |
| Total noninterest expense | $2,216,000 | 5,648 |
| Salaries and employee benefits | $1,340,000 | 5,240 |
| Premises and equipment expense | $78,000 | 8,368 |
| Additional noninterest expense | $798,000 | 5,052 |
| Pre-tax net operating income | $88,000 | 8,248 |
| Securities gains (losses) | $112,000 | 1,795 |
| Applicable income taxes | $76,000 | 5,981 |
| Income before extraordinary items | $124,000 | 8,109 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $124,000 | 8,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $411,000 | 1,849 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $52,320 | 8,346 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,641,000 | 6,092 |
| Total interest expense | $822,000 | 5,989 |
| Net interest income | $1,819,000 | 6,023 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $2,000 | 9,164 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,000 | 8,072 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $0 | 9,106 |
| Total noninterest expense | $1,669,000 | 5,608 |
| Salaries and employee benefits | $1,023,000 | 5,171 |
| Premises and equipment expense | $78,000 | 8,039 |
| Additional noninterest expense | $568,000 | 5,203 |
| Pre-tax net operating income | $62,000 | 8,399 |
| Securities gains (losses) | $112,000 | 1,654 |
| Applicable income taxes | $60,000 | 6,068 |
| Income before extraordinary items | $114,000 | 8,134 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $114,000 | 8,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,334 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $40,080 | 8,457 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,866,000 | 5,954 |
| Total interest expense | $567,000 | 6,003 |
| Net interest income | $1,299,000 | 5,801 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $1,000 | 9,203 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,000 | 8,110 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $0 | 9,111 |
| Total noninterest expense | $1,133,000 | 5,539 |
| Salaries and employee benefits | $673,000 | 5,221 |
| Premises and equipment expense | $53,000 | 8,017 |
| Additional noninterest expense | $407,000 | 4,940 |
| Pre-tax net operating income | $107,000 | 7,950 |
| Securities gains (losses) | $109,000 | 1,441 |
| Applicable income taxes | $74,000 | 5,501 |
| Income before extraordinary items | $142,000 | 7,524 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $142,000 | 7,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 1,429 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $70,060 | 8,083 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $969,000 | 5,868 |
| Total interest expense | $285,000 | 6,100 |
| Net interest income | $684,000 | 5,622 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $1,000 | 9,226 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 8,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $0 | 9,145 |
| Total noninterest expense | $558,000 | 5,577 |
| Salaries and employee benefits | $314,000 | 5,484 |
| Premises and equipment expense | $27,000 | 8,005 |
| Additional noninterest expense | $217,000 | 4,673 |
| Pre-tax net operating income | $97,000 | 7,240 |
| Securities gains (losses) | $74,000 | 1,165 |
| Applicable income taxes | $59,000 | 4,866 |
| Income before extraordinary items | $112,000 | 6,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $112,000 | 6,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 1,034 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $63,900 | 7,473 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,776,000 | 6,095 |
| Total interest expense | $1,297,000 | 6,185 |
| Net interest income | $2,479,000 | 5,941 |
| Provision for loan and lease losses | $84,000 | 5,998 |
| Total noninterest income | $87,000 | 8,555 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,000 | 8,157 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $84,000 | 6,794 |
| Total noninterest expense | $2,217,000 | 5,508 |
| Salaries and employee benefits | $1,256,000 | 5,318 |
| Premises and equipment expense | $115,000 | 7,948 |
| Additional noninterest expense | $846,000 | 4,742 |
| Pre-tax net operating income | $265,000 | 7,685 |
| Securities gains (losses) | $245,000 | 1,038 |
| Applicable income taxes | $170,000 | 5,339 |
| Income before extraordinary items | $340,000 | 7,128 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $340,000 | 7,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,337 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $175,850 | 7,851 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,237,000 | 6,163 |
| Total interest expense | $2,127,000 | 5,916 |
| Net interest income | $2,110,000 | 6,266 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $79,000 | 8,792 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,000 | 8,358 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $77,000 | 6,957 |
| Total noninterest expense | $1,896,000 | 5,942 |
| Salaries and employee benefits | $1,256,000 | 5,151 |
| Premises and equipment expense | $102,000 | 8,268 |
| Additional noninterest expense | $538,000 | 6,214 |
| Pre-tax net operating income | $293,000 | 7,441 |
| Securities gains (losses) | $117,000 | 1,622 |
| Applicable income taxes | $140,000 | 5,550 |
| Income before extraordinary items | $270,000 | 7,313 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $270,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-89,000 | 9,493 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $192,780 | 7,677 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,236,000 | 6,296 |
| Total interest expense | $2,511,000 | 5,543 |
| Net interest income | $1,725,000 | 7,067 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $802,000 | 3,654 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $800,000 | 2,148 |
| Total noninterest expense | $1,697,000 | 6,272 |
| Salaries and employee benefits | $1,084,000 | 5,614 |
| Premises and equipment expense | $92,000 | 8,578 |
| Additional noninterest expense | $521,000 | 6,272 |
| Pre-tax net operating income | $770,000 | 5,969 |
| Securities gains (losses) | $14,000 | 1,057 |
| Applicable income taxes | $264,000 | 4,861 |
| Income before extraordinary items | $520,000 | 6,213 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $520,000 | 6,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,027 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $510,760 | 6,280 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,735,000 | 6,574 |
| Total interest expense | $2,041,000 | 5,932 |
| Net interest income | $1,694,000 | 7,209 |
| Provision for loan and lease losses | $575,000 | 1,581 |
| Total noninterest income | $4,000 | 10,117 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $4,000 | 8,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,153 |
| Total noninterest expense | $1,659,000 | 6,388 |
| Salaries and employee benefits | $894,000 | 6,335 |
| Premises and equipment expense | $128,000 | 8,069 |
| Additional noninterest expense | $637,000 | 5,600 |
| Pre-tax net operating income | $-536,000 | 9,877 |
| Securities gains (losses) | $18,000 | 1,449 |
| Applicable income taxes | $-175,000 | 10,009 |
| Income before extraordinary items | $-343,000 | 9,801 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-343,000 | 9,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 1,256 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-354,880 | 9,793 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,822,000 | 6,635 |
| Total interest expense | $2,061,000 | 6,082 |
| Net interest income | $1,761,000 | 7,140 |
| Provision for loan and lease losses | $924,000 | 1,040 |
| Total noninterest income | $135,000 | 8,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 8,918 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,053 |
| Total noninterest expense | $1,828,000 | 5,926 |
| Salaries and employee benefits | $1,034,000 | 5,646 |
| Premises and equipment expense | $181,000 | 7,033 |
| Additional noninterest expense | $613,000 | 5,665 |
| Pre-tax net operating income | $-856,000 | 10,313 |
| Securities gains (losses) | $20,000 | 2,430 |
| Applicable income taxes | $-281,000 | 10,349 |
| Income before extraordinary items | $-555,000 | 10,252 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-555,000 | 10,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $606,000 | 1,080 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-568,200 | 10,232 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,197,000 | 7,512 |
| Total interest expense | $1,683,000 | 6,918 |
| Net interest income | $1,514,000 | 7,946 |
| Provision for loan and lease losses | $168,000 | 3,892 |
| Total noninterest income | $61,000 | 10,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $7,000 | 9,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,261 |
| Total noninterest expense | $1,846,000 | 5,981 |
| Salaries and employee benefits | $854,000 | 6,522 |
| Premises and equipment expense | $143,000 | 7,962 |
| Additional noninterest expense | $849,000 | 4,520 |
| Pre-tax net operating income | $-439,000 | 10,720 |
| Securities gains (losses) | $24,000 | 1,768 |
| Applicable income taxes | $-137,000 | 10,747 |
| Income before extraordinary items | $-278,000 | 10,660 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-278,000 | 10,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,367 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-294,080 | 10,648 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,209,000 | 9,086 |
| Total interest expense | $1,170,000 | 8,474 |
| Net interest income | $1,039,000 | 9,448 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $11,000 | 11,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 9,807 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,207 |
| Total noninterest expense | $1,627,000 | 6,770 |
| Salaries and employee benefits | $681,000 | 7,644 |
| Premises and equipment expense | $126,000 | 8,634 |
| Additional noninterest expense | $820,000 | 5,117 |
| Pre-tax net operating income | $-727,000 | 11,297 |
| Securities gains (losses) | $58,000 | 1,248 |
| Applicable income taxes | $-224,000 | 11,283 |
| Income before extraordinary items | $-445,000 | 11,244 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-445,000 | 11,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-483,860 | 11,228 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,114,000 | 11,096 |
| Total interest expense | $544,000 | 10,870 |
| Net interest income | $570,000 | 11,217 |
| Provision for loan and lease losses | $100,000 | 4,579 |
| Total noninterest income | $5,000 | 11,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 10,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 11,869 |
| Total noninterest expense | $1,367,000 | 7,684 |
| Salaries and employee benefits | $608,000 | 8,311 |
| Premises and equipment expense | $72,000 | 10,422 |
| Additional noninterest expense | $687,000 | 5,941 |
| Pre-tax net operating income | $-892,000 | 11,860 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $-299,000 | 11,835 |
| Income before extraordinary items | $-591,000 | 11,816 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-591,000 | 11,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-592,320 | 11,804 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $280,000 | 12,533 |
| Total interest expense | $31,000 | 12,561 |
| Net interest income | $249,000 | 12,466 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $1,000 | 12,542 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,846 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 12,536 |
| Total noninterest expense | $485,000 | 11,687 |
| Salaries and employee benefits | $53,000 | 12,571 |
| Premises and equipment expense | $45,000 | 11,810 |
| Additional noninterest expense | $386,000 | 8,964 |
| Pre-tax net operating income | $-285,000 | 12,303 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-114,000 | 12,316 |
| Income before extraordinary items | $-171,000 | 12,203 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-171,000 | 12,203 |
| 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 | $6,500,000 | 139 |
| Net operating income | $-171,000 | 12,234 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,330,000 | 11,616 |
| Total interest expense | $569,000 | 11,321 |
| Net interest income | $761,000 | 11,660 |
| Provision for loan and lease losses | $9,000 | 9,850 |
| Total noninterest income | $130,000 | 10,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 10,513 |
| Total noninterest expense | $628,000 | 11,495 |
| Salaries and employee benefits | $295,000 | 11,706 |
| Premises and equipment expense | $68,000 | 11,579 |
| Additional noninterest expense | $265,000 | 10,891 |
| Pre-tax net operating income | $254,000 | 10,592 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $106,000 | 9,601 |
| Income before extraordinary items | $153,000 | 11,170 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $153,000 | 11,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $1,125,000 | 1,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $149,800 | 11,006 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,404,000 | 5,206 |
| Total interest expense | $2,858,000 | 5,373 |
| Net interest income | $3,546,000 | 4,949 |
| Provision for loan and lease losses | $705,000 | 2,359 |
| Total noninterest income | $461,000 | 5,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,872 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 7,800 |
| Total noninterest expense | $2,655,000 | 5,023 |
| Salaries and employee benefits | $1,249,000 | 4,985 |
| Premises and equipment expense | $380,000 | 4,992 |
| Additional noninterest expense | $1,026,000 | 4,956 |
| Pre-tax net operating income | $645,000 | 7,426 |
| Securities gains (losses) | $58,000 | 3,883 |
| Applicable income taxes | $165,000 | 8,276 |
| Income before extraordinary items | $538,000 | 7,016 |
| Extraordinary gains, net | $-507,000 | 13,824 |
| Net income | $31,000 | 12,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 2,417 |
| Cash dividends | $250,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $493,340 | 7,012 |
* 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.