Home > Sincere Federal Savings Bank > Income and Expense
Sincere Federal Savings Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $681,000 | 6,807 |
| Total interest expense | $156,000 | 7,088 |
| Net interest income | $525,000 | 6,585 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $21,000 | 8,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $21,000 | 6,763 |
| Total noninterest expense | $606,000 | 5,492 |
| Salaries and employee benefits | $301,000 | 5,775 |
| Premises and equipment expense | $137,000 | 3,911 |
| Additional noninterest expense | $168,000 | 5,629 |
| Pre-tax net operating income | $-60,000 | 8,597 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-7,000 | 8,686 |
| Income before extraordinary items | $-53,000 | 8,603 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-53,000 | 8,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-53,000 | 8,581 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,549,000 | 6,846 |
| Total interest expense | $504,000 | 7,291 |
| Net interest income | $2,045,000 | 6,565 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $84,000 | 8,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $84,000 | 6,699 |
| Total noninterest expense | $1,994,000 | 6,014 |
| Salaries and employee benefits | $1,213,000 | 5,661 |
| Premises and equipment expense | $566,000 | 3,714 |
| Additional noninterest expense | $215,000 | 8,226 |
| Pre-tax net operating income | $135,000 | 8,001 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $32,000 | 6,314 |
| Income before extraordinary items | $103,000 | 8,079 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $103,000 | 8,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $23,000 | 6,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $103,000 | 8,038 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,899,000 | 6,878 |
| Total interest expense | $364,000 | 7,379 |
| Net interest income | $1,535,000 | 6,571 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $76,000 | 8,124 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $76,000 | 6,394 |
| Total noninterest expense | $1,487,000 | 5,989 |
| Salaries and employee benefits | $906,000 | 5,640 |
| Premises and equipment expense | $428,000 | 3,691 |
| Additional noninterest expense | $153,000 | 8,289 |
| Pre-tax net operating income | $124,000 | 8,026 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $30,000 | 6,288 |
| Income before extraordinary items | $94,000 | 8,105 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $94,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $23,000 | 5,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $94,000 | 8,052 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,277,000 | 6,897 |
| Total interest expense | $240,000 | 7,464 |
| Net interest income | $1,037,000 | 6,567 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $44,000 | 8,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $44,000 | 6,668 |
| Total noninterest expense | $989,000 | 6,032 |
| Salaries and employee benefits | $607,000 | 5,659 |
| Premises and equipment expense | $287,000 | 3,676 |
| Additional noninterest expense | $95,000 | 8,407 |
| Pre-tax net operating income | $92,000 | 7,982 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $25,000 | 6,158 |
| Income before extraordinary items | $67,000 | 8,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $67,000 | 8,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $23,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $67,000 | 8,037 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $644,000 | 6,904 |
| Total interest expense | $121,000 | 7,511 |
| Net interest income | $523,000 | 6,564 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $31,000 | 7,933 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $31,000 | 6,045 |
| Total noninterest expense | $505,000 | 6,017 |
| Salaries and employee benefits | $318,000 | 5,540 |
| Premises and equipment expense | $141,000 | 3,754 |
| Additional noninterest expense | $46,000 | 8,499 |
| Pre-tax net operating income | $49,000 | 7,934 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $10,000 | 6,242 |
| Income before extraordinary items | $39,000 | 7,981 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $39,000 | 7,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $23,000 | 3,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $39,000 | 7,920 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,601,000 | 6,935 |
| Total interest expense | $661,000 | 7,181 |
| Net interest income | $1,940,000 | 6,677 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $89,000 | 8,422 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $89,000 | 6,724 |
| Total noninterest expense | $2,042,000 | 5,932 |
| Salaries and employee benefits | $1,233,000 | 5,545 |
| Premises and equipment expense | $557,000 | 3,727 |
| Additional noninterest expense | $252,000 | 8,085 |
| Pre-tax net operating income | $-13,000 | 8,557 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-5,000 | 8,732 |
| Income before extraordinary items | $-8,000 | 8,636 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-8,000 | 8,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $22,000 | 6,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-8,000 | 8,547 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,985,000 | 6,973 |
| Total interest expense | $530,000 | 7,168 |
| Net interest income | $1,455,000 | 6,719 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $73,000 | 8,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $73,000 | 6,631 |
| Total noninterest expense | $1,561,000 | 5,843 |
| Salaries and employee benefits | $933,000 | 5,481 |
| Premises and equipment expense | $419,000 | 3,722 |
| Additional noninterest expense | $209,000 | 7,910 |
| Pre-tax net operating income | $-33,000 | 8,694 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-8,000 | 8,904 |
| Income before extraordinary items | $-25,000 | 8,768 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-25,000 | 8,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $22,000 | 5,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-25,000 | 8,680 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,353,000 | 6,955 |
| Total interest expense | $374,000 | 7,158 |
| Net interest income | $979,000 | 6,699 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $56,000 | 8,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $56,000 | 6,368 |
| Total noninterest expense | $1,072,000 | 5,746 |
| Salaries and employee benefits | $622,000 | 5,499 |
| Premises and equipment expense | $293,000 | 3,567 |
| Additional noninterest expense | $157,000 | 7,680 |
| Pre-tax net operating income | $-37,000 | 8,752 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-9,000 | 8,989 |
| Income before extraordinary items | $-28,000 | 8,830 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-28,000 | 8,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $22,000 | 5,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-28,000 | 8,726 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $707,000 | 6,881 |
| Total interest expense | $196,000 | 7,129 |
| Net interest income | $511,000 | 6,586 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $36,000 | 7,906 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 5,881 |
| Total noninterest expense | $540,000 | 5,707 |
| Salaries and employee benefits | $313,000 | 5,490 |
| Premises and equipment expense | $145,000 | 3,578 |
| Additional noninterest expense | $82,000 | 7,612 |
| Pre-tax net operating income | $7,000 | 8,613 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $2,000 | 8,736 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 8,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $22,000 | 3,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,000 | 8,632 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,069,000 | 6,785 |
| Total interest expense | $987,000 | 6,966 |
| Net interest income | $2,082,000 | 6,496 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $115,000 | 8,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $115,000 | 6,152 |
| Total noninterest expense | $1,953,000 | 5,956 |
| Salaries and employee benefits | $1,195,000 | 5,495 |
| Premises and equipment expense | $553,000 | 3,651 |
| Additional noninterest expense | $205,000 | 8,531 |
| Pre-tax net operating income | $244,000 | 7,770 |
| Securities gains (losses) | $21,000 | 3,108 |
| Applicable income taxes | $71,000 | 6,269 |
| Income before extraordinary items | $194,000 | 7,867 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $194,000 | 7,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $23,000 | 6,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $178,670 | 7,841 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,750,000 | 6,543 |
| Total interest expense | $1,944,000 | 6,180 |
| Net interest income | $1,806,000 | 6,775 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $105,000 | 8,438 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $105,000 | 6,335 |
| Total noninterest expense | $2,582,000 | 4,850 |
| Salaries and employee benefits | $1,208,000 | 5,304 |
| Premises and equipment expense | $515,000 | 3,782 |
| Additional noninterest expense | $859,000 | 4,555 |
| Pre-tax net operating income | $-671,000 | 9,237 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-671,000 | 9,305 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-671,000 | 9,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $28,000 | 6,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-671,000 | 9,272 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,981,000 | 6,509 |
| Total interest expense | $2,042,000 | 6,212 |
| Net interest income | $1,939,000 | 6,655 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $70,000 | 9,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $70,000 | 7,177 |
| Total noninterest expense | $2,099,000 | 5,506 |
| Salaries and employee benefits | $1,177,000 | 5,299 |
| Premises and equipment expense | $542,000 | 3,559 |
| Additional noninterest expense | $380,000 | 7,315 |
| Pre-tax net operating income | $-90,000 | 9,236 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-27,000 | 9,405 |
| Income before extraordinary items | $-63,000 | 9,225 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-63,000 | 9,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $28,000 | 6,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-63,000 | 9,218 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,662,000 | 6,659 |
| Total interest expense | $1,709,000 | 6,529 |
| Net interest income | $1,953,000 | 6,726 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $81,000 | 9,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $81,000 | 7,121 |
| Total noninterest expense | $1,968,000 | 5,749 |
| Salaries and employee benefits | $1,126,000 | 5,411 |
| Premises and equipment expense | $591,000 | 3,298 |
| Additional noninterest expense | $251,000 | 8,546 |
| Pre-tax net operating income | $66,000 | 9,190 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $28,000 | 8,057 |
| Income before extraordinary items | $38,000 | 9,293 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $38,000 | 9,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $38,000 | 9,257 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,728,000 | 6,727 |
| Total interest expense | $1,784,000 | 6,580 |
| Net interest income | $1,944,000 | 6,775 |
| Provision for loan and lease losses | $61,000 | 6,101 |
| Total noninterest income | $216,000 | 7,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $216,000 | 4,763 |
| Total noninterest expense | $2,193,000 | 5,230 |
| Salaries and employee benefits | $1,055,000 | 5,570 |
| Premises and equipment expense | $529,000 | 3,533 |
| Additional noninterest expense | $609,000 | 5,701 |
| Pre-tax net operating income | $-94,000 | 9,911 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-11,000 | 10,026 |
| Income before extraordinary items | $-83,000 | 9,944 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-83,000 | 9,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,568 |
| Cash dividends | $69,000 | 6,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-83,000 | 9,903 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,930,000 | 6,722 |
| Total interest expense | $1,781,000 | 6,723 |
| Net interest income | $2,149,000 | 6,624 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $147,000 | 8,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $147,000 | 5,750 |
| Total noninterest expense | $1,802,000 | 6,061 |
| Salaries and employee benefits | $1,057,000 | 5,652 |
| Premises and equipment expense | $490,000 | 3,772 |
| Additional noninterest expense | $255,000 | 8,788 |
| Pre-tax net operating income | $494,000 | 7,947 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $184,000 | 7,120 |
| Income before extraordinary items | $310,000 | 8,308 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $310,000 | 8,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $69,000 | 6,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $310,000 | 8,263 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,296,000 | 6,588 |
| Total interest expense | $1,846,000 | 6,739 |
| Net interest income | $2,450,000 | 6,278 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $110,000 | 9,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $110,000 | 6,864 |
| Total noninterest expense | $2,163,000 | 5,609 |
| Salaries and employee benefits | $1,061,000 | 5,738 |
| Premises and equipment expense | $476,000 | 3,921 |
| Additional noninterest expense | $626,000 | 6,192 |
| Pre-tax net operating income | $397,000 | 8,524 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $177,000 | 7,479 |
| Income before extraordinary items | $220,000 | 9,108 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $220,000 | 9,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $69,000 | 7,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $220,000 | 9,053 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,841,000 | 6,139 |
| Total interest expense | $2,116,000 | 6,237 |
| Net interest income | $2,725,000 | 5,930 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $99,000 | 10,299 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $99,000 | 7,273 |
| Total noninterest expense | $1,972,000 | 6,049 |
| Salaries and employee benefits | $1,162,000 | 5,362 |
| Premises and equipment expense | $530,000 | 3,577 |
| Additional noninterest expense | $280,000 | 9,487 |
| Pre-tax net operating income | $852,000 | 6,639 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $347,000 | 5,477 |
| Income before extraordinary items | $505,000 | 7,211 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $505,000 | 7,211 |
| 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 | NA | NA |
| Net operating income | $505,000 | 7,186 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,906,000 | 5,749 |
| Total interest expense | $1,634,000 | 6,515 |
| Net interest income | $3,272,000 | 5,238 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $112,000 | 10,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $112,000 | 7,162 |
| Total noninterest expense | $2,269,000 | 5,590 |
| Salaries and employee benefits | $1,385,000 | 4,616 |
| Premises and equipment expense | $556,000 | 3,482 |
| Additional noninterest expense | $328,000 | 9,619 |
| Pre-tax net operating income | $1,115,000 | 5,516 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $455,000 | 4,351 |
| Income before extraordinary items | $660,000 | 6,148 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $660,000 | 6,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $4,148,000 | 636 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 806 |
| Net operating income | $660,000 | 6,219 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,771,000 | 5,135 |
| Total interest expense | $1,843,000 | 6,231 |
| Net interest income | $3,928,000 | 4,489 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $109,000 | 11,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $109,000 | 7,610 |
| Total noninterest expense | $2,493,000 | 5,292 |
| Salaries and employee benefits | $1,455,000 | 4,392 |
| Premises and equipment expense | $632,000 | 3,163 |
| Additional noninterest expense | $406,000 | 9,204 |
| Pre-tax net operating income | $1,544,000 | 4,209 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $619,000 | 3,507 |
| Income before extraordinary items | $925,000 | 4,988 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $925,000 | 5,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $133,000 | 6,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $925,000 | 4,754 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,745,000 | 4,413 |
| Total interest expense | $3,371,000 | 4,695 |
| Net interest income | $4,374,000 | 4,114 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $231,000 | 8,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $231,000 | 5,223 |
| Total noninterest expense | $2,339,000 | 5,610 |
| Salaries and employee benefits | $1,268,000 | 4,926 |
| Premises and equipment expense | $519,000 | 3,841 |
| Additional noninterest expense | $552,000 | 7,964 |
| Pre-tax net operating income | $2,266,000 | 2,755 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $930,000 | 2,247 |
| Income before extraordinary items | $1,336,000 | 3,432 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,336,000 | 3,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $133,000 | 6,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,336,000 | 3,184 |
* 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.