Home > South Coast Commercial Bank > Income and Expense
South Coast Commercial Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $0 | 8,857 |
| Total interest expense | $0 | 8,842 |
| Net interest income | $0 | 8,853 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $0 | 8,802 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $0 | 7,794 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $0 | 8,723 |
| Total noninterest expense | $0 | 8,857 |
| Salaries and employee benefits | $0 | 8,836 |
| Premises and equipment expense | $0 | 8,827 |
| Additional noninterest expense | $0 | 8,856 |
| Pre-tax net operating income | $0 | 8,313 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $0 | 8,341 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $0 | 8,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $0 | 8,312 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,217,000 | 2,924 |
| Total interest expense | $2,112,000 | 2,318 |
| Net interest income | $3,105,000 | 3,315 |
| Provision for loan and lease losses | $-8,000 | 8,622 |
| Total noninterest income | $4,000 | 8,739 |
| 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 | $3,000 | 8,558 |
| Total noninterest expense | $1,673,000 | 4,391 |
| Salaries and employee benefits | $1,129,000 | 3,735 |
| Premises and equipment expense | $144,000 | 5,822 |
| Additional noninterest expense | $400,000 | 5,082 |
| Pre-tax net operating income | $1,444,000 | 2,841 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $51,000 | 5,503 |
| Income before extraordinary items | $1,393,000 | 2,350 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,393,000 | 2,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $476,000 | 2,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,393,000 | 2,319 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,564,000 | 2,933 |
| Total interest expense | $1,033,000 | 2,273 |
| Net interest income | $1,531,000 | 3,354 |
| Provision for loan and lease losses | $-10,000 | 8,723 |
| Total noninterest income | $3,000 | 8,778 |
| 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 | $2,000 | 8,574 |
| Total noninterest expense | $892,000 | 4,197 |
| Salaries and employee benefits | $589,000 | 3,618 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $232,000 | 4,619 |
| Pre-tax net operating income | $652,000 | 3,033 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $23,000 | 5,547 |
| Income before extraordinary items | $629,000 | 2,519 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $629,000 | 2,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $238,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $629,000 | 2,481 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,092,000 | 2,805 |
| Total interest expense | $3,772,000 | 2,159 |
| Net interest income | $6,320,000 | 3,152 |
| Provision for loan and lease losses | $-55,000 | 8,751 |
| Total noninterest income | $3,000 | 8,883 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,000 | 7,861 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,000 | 8,793 |
| Total noninterest expense | $3,364,000 | 4,310 |
| Salaries and employee benefits | $2,439,000 | 3,413 |
| Premises and equipment expense | $282,000 | 5,856 |
| Additional noninterest expense | $643,000 | 5,783 |
| Pre-tax net operating income | $3,014,000 | 2,579 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $106,000 | 5,453 |
| Income before extraordinary items | $2,908,000 | 2,136 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,908,000 | 2,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,527 |
| Cash dividends | $2,018,000 | 1,338 |
| Sale, conversion, retirement of capital stock, net | $89,000 | 675 |
| Net operating income | $2,908,000 | 2,089 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,606,000 | 2,763 |
| Total interest expense | $2,747,000 | 2,172 |
| Net interest income | $4,859,000 | 3,079 |
| Provision for loan and lease losses | $-59,000 | 8,848 |
| Total noninterest income | $8,000 | 8,900 |
| 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 | $6,000 | 8,650 |
| Total noninterest expense | $2,605,000 | 4,174 |
| Salaries and employee benefits | $1,907,000 | 3,279 |
| Premises and equipment expense | $203,000 | 5,940 |
| Additional noninterest expense | $495,000 | 5,670 |
| Pre-tax net operating income | $2,321,000 | 2,551 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $81,000 | 5,568 |
| Income before extraordinary items | $2,240,000 | 2,090 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,240,000 | 2,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,489 |
| Cash dividends | $1,551,000 | 1,214 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 708 |
| Net operating income | $2,240,000 | 2,036 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,098,000 | 2,735 |
| Total interest expense | $1,793,000 | 2,192 |
| Net interest income | $3,305,000 | 3,021 |
| Provision for loan and lease losses | $-49,000 | 8,927 |
| Total noninterest income | $5,000 | 8,958 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,000 | 7,953 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,000 | 8,694 |
| Total noninterest expense | $1,759,000 | 4,146 |
| Salaries and employee benefits | $1,289,000 | 3,243 |
| Premises and equipment expense | $122,000 | 6,279 |
| Additional noninterest expense | $348,000 | 5,529 |
| Pre-tax net operating income | $1,600,000 | 2,447 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $56,000 | 5,519 |
| Income before extraordinary items | $1,544,000 | 2,027 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,544,000 | 2,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,540 |
| Cash dividends | $1,034,000 | 1,215 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 602 |
| Net operating income | $1,544,000 | 1,972 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 2,666 |
| Total interest expense | $898,000 | 2,212 |
| Net interest income | $1,721,000 | 2,896 |
| Provision for loan and lease losses | $-44,000 | 8,995 |
| Total noninterest income | $3,000 | 8,980 |
| 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 | $2,000 | 8,709 |
| Total noninterest expense | $892,000 | 4,118 |
| Salaries and employee benefits | $675,000 | 3,131 |
| Premises and equipment expense | $42,000 | 7,151 |
| Additional noninterest expense | $175,000 | 5,515 |
| Pre-tax net operating income | $876,000 | 2,256 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $31,000 | 5,362 |
| Income before extraordinary items | $845,000 | 1,852 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $845,000 | 1,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $517,000 | 1,155 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 431 |
| Net operating income | $845,000 | 1,767 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,453,000 | 2,704 |
| Total interest expense | $3,711,000 | 2,388 |
| Net interest income | $6,742,000 | 2,844 |
| Provision for loan and lease losses | $-4,000 | 8,891 |
| Total noninterest income | $516,000 | 5,348 |
| 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 | $513,000 | 3,539 |
| Total noninterest expense | $3,627,000 | 3,991 |
| Salaries and employee benefits | $2,620,000 | 3,138 |
| Premises and equipment expense | $209,000 | 6,671 |
| Additional noninterest expense | $798,000 | 5,052 |
| Pre-tax net operating income | $3,635,000 | 2,148 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $127,000 | 5,469 |
| Income before extraordinary items | $3,508,000 | 1,771 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,508,000 | 1,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,705 |
| Cash dividends | $2,757,000 | 1,073 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 821 |
| Net operating income | $3,508,000 | 1,686 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,826,000 | 2,751 |
| Total interest expense | $2,810,000 | 2,442 |
| Net interest income | $5,016,000 | 2,896 |
| Provision for loan and lease losses | $-29,000 | 9,068 |
| Total noninterest income | $498,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $3,000 | 8,055 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $495,000 | 3,156 |
| Total noninterest expense | $2,813,000 | 3,881 |
| Salaries and employee benefits | $1,989,000 | 3,109 |
| Premises and equipment expense | $151,000 | 6,773 |
| Additional noninterest expense | $673,000 | 4,601 |
| Pre-tax net operating income | $2,730,000 | 2,203 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $96,000 | 5,612 |
| Income before extraordinary items | $2,634,000 | 1,837 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,634,000 | 1,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,535 |
| Cash dividends | $1,710,000 | 1,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,634,000 | 1,734 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,288,000 | 2,740 |
| Total interest expense | $1,933,000 | 2,451 |
| Net interest income | $3,355,000 | 2,881 |
| Provision for loan and lease losses | $-36,000 | 9,143 |
| Total noninterest income | $415,000 | 4,167 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,000 | 8,080 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $413,000 | 2,752 |
| Total noninterest expense | $1,938,000 | 3,789 |
| Salaries and employee benefits | $1,351,000 | 3,053 |
| Premises and equipment expense | $109,000 | 6,544 |
| Additional noninterest expense | $478,000 | 4,392 |
| Pre-tax net operating income | $1,868,000 | 2,160 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $65,000 | 5,639 |
| Income before extraordinary items | $1,803,000 | 1,788 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,803,000 | 1,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $1,195,000 | 1,143 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,803,000 | 1,670 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,677,000 | 2,728 |
| Total interest expense | $987,000 | 2,465 |
| Net interest income | $1,690,000 | 2,851 |
| Provision for loan and lease losses | $-26,000 | 9,212 |
| Total noninterest income | $220,000 | 3,927 |
| 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 | $219,000 | 2,564 |
| Total noninterest expense | $970,000 | 3,759 |
| Salaries and employee benefits | $664,000 | 3,093 |
| Premises and equipment expense | $53,000 | 6,622 |
| Additional noninterest expense | $253,000 | 4,171 |
| Pre-tax net operating income | $966,000 | 2,103 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $34,000 | 5,594 |
| Income before extraordinary items | $932,000 | 1,712 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $932,000 | 1,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $515,000 | 1,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $932,000 | 1,605 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,140,000 | 2,738 |
| Total interest expense | $4,491,000 | 2,473 |
| Net interest income | $6,649,000 | 2,864 |
| Provision for loan and lease losses | $-81,000 | 9,252 |
| Total noninterest income | $265,000 | 6,738 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $4,000 | 8,144 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $261,000 | 4,546 |
| Total noninterest expense | $3,254,000 | 4,185 |
| Salaries and employee benefits | $2,321,000 | 3,328 |
| Premises and equipment expense | $188,000 | 6,919 |
| Additional noninterest expense | $745,000 | 5,180 |
| Pre-tax net operating income | $3,741,000 | 2,099 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $131,000 | 5,691 |
| Income before extraordinary items | $3,610,000 | 1,654 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,610,000 | 1,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,753 |
| Cash dividends | $2,242,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,610,000 | 1,605 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,084,000 | 2,806 |
| Total interest expense | $6,154,000 | 2,592 |
| Net interest income | $5,930,000 | 2,969 |
| Provision for loan and lease losses | $66,000 | 6,270 |
| Total noninterest income | $101,000 | 8,502 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $5,000 | 8,315 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $96,000 | 6,520 |
| Total noninterest expense | $3,064,000 | 4,259 |
| Salaries and employee benefits | $2,141,000 | 3,396 |
| Premises and equipment expense | $211,000 | 6,642 |
| Additional noninterest expense | $712,000 | 5,222 |
| Pre-tax net operating income | $2,901,000 | 2,332 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,220,000 | 1,787 |
| Income before extraordinary items | $1,681,000 | 2,952 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,681,000 | 2,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,917 |
| Cash dividends | $600,000 | 3,121 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 703 |
| Net operating income | $1,681,000 | 2,856 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,836,000 | 2,931 |
| Total interest expense | $6,139,000 | 2,720 |
| Net interest income | $5,697,000 | 3,088 |
| Provision for loan and lease losses | $89,000 | 5,579 |
| Total noninterest income | $84,000 | 8,820 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $5,000 | 8,504 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $79,000 | 6,938 |
| Total noninterest expense | $2,946,000 | 4,295 |
| Salaries and employee benefits | $2,045,000 | 3,397 |
| Premises and equipment expense | $220,000 | 6,456 |
| Additional noninterest expense | $681,000 | 5,282 |
| Pre-tax net operating income | $2,746,000 | 2,567 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,154,000 | 1,878 |
| Income before extraordinary items | $1,592,000 | 3,099 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,592,000 | 3,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,408 |
| Cash dividends | $501,000 | 3,525 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 847 |
| Net operating income | $1,592,000 | 3,095 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,749,000 | 3,001 |
| Total interest expense | $5,263,000 | 2,781 |
| Net interest income | $5,486,000 | 3,162 |
| Provision for loan and lease losses | $-4,000 | 9,971 |
| Total noninterest income | $16,000 | 10,001 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,000 | 8,790 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $13,000 | 9,578 |
| Total noninterest expense | $3,005,000 | 4,201 |
| Salaries and employee benefits | $2,133,000 | 3,231 |
| Premises and equipment expense | $240,000 | 6,182 |
| Additional noninterest expense | $632,000 | 5,632 |
| Pre-tax net operating income | $2,501,000 | 2,795 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,052,000 | 2,135 |
| Income before extraordinary items | $1,449,000 | 3,322 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,449,000 | 3,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 9,745 |
| Cash dividends | $373,000 | 4,097 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 778 |
| Net operating income | $1,449,000 | 3,283 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,520,000 | 3,070 |
| Total interest expense | $5,156,000 | 2,908 |
| Net interest income | $5,364,000 | 3,196 |
| Provision for loan and lease losses | $69,000 | 5,910 |
| Total noninterest income | $188,000 | 7,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,137 |
| Total noninterest expense | $2,987,000 | 4,136 |
| Salaries and employee benefits | $2,082,000 | 3,205 |
| Premises and equipment expense | $207,000 | 6,600 |
| Additional noninterest expense | $698,000 | 5,176 |
| Pre-tax net operating income | $2,496,000 | 2,792 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,050,000 | 2,220 |
| Income before extraordinary items | $1,446,000 | 3,350 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,446,000 | 3,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,342 |
| Cash dividends | $364,000 | 4,180 |
| Sale, conversion, retirement of capital stock, net | $114,000 | 750 |
| Net operating income | $1,446,000 | 3,259 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,912,000 | 3,265 |
| Total interest expense | $4,873,000 | 3,053 |
| Net interest income | $5,039,000 | 3,459 |
| Provision for loan and lease losses | $114,000 | 4,905 |
| Total noninterest income | $190,000 | 7,963 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,075 |
| Total noninterest expense | $2,944,000 | 4,160 |
| Salaries and employee benefits | $1,818,000 | 3,606 |
| Premises and equipment expense | $185,000 | 7,111 |
| Additional noninterest expense | $941,000 | 4,132 |
| Pre-tax net operating income | $2,171,000 | 3,280 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $859,000 | 2,774 |
| Income before extraordinary items | $1,312,000 | 3,770 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,312,000 | 3,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,394 |
| Cash dividends | $182,000 | 5,591 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 829 |
| Net operating income | $1,312,000 | 3,700 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,166,000 | 3,554 |
| Total interest expense | $4,393,000 | 3,392 |
| Net interest income | $4,773,000 | 3,701 |
| Provision for loan and lease losses | $684,000 | 1,353 |
| Total noninterest income | $179,000 | 8,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 9,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $178,000 | 5,501 |
| Total noninterest expense | $2,859,000 | 4,462 |
| Salaries and employee benefits | $1,769,000 | 3,733 |
| Premises and equipment expense | $197,000 | 7,082 |
| Additional noninterest expense | $893,000 | 4,786 |
| Pre-tax net operating income | $1,409,000 | 4,560 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $543,000 | 3,885 |
| Income before extraordinary items | $866,000 | 5,001 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $866,000 | 5,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $644,000 | 1,188 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 648 |
| Net operating income | $866,000 | 4,950 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,630,000 | 3,755 |
| Total interest expense | $4,278,000 | 3,478 |
| Net interest income | $4,352,000 | 4,022 |
| Provision for loan and lease losses | $1,697,000 | 649 |
| Total noninterest income | $58,000 | 11,205 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,849 |
| Total noninterest expense | $3,010,000 | 4,280 |
| Salaries and employee benefits | $1,734,000 | 3,762 |
| Premises and equipment expense | $237,000 | 6,557 |
| Additional noninterest expense | $1,039,000 | 4,217 |
| Pre-tax net operating income | $-297,000 | 11,726 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-144,000 | 11,754 |
| Income before extraordinary items | $-153,000 | 11,648 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-153,000 | 11,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,817,000 | 606 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-153,000 | 11,635 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,931,000 | 3,763 |
| Total interest expense | $3,200,000 | 3,733 |
| Net interest income | $4,731,000 | 3,747 |
| Provision for loan and lease losses | $937,000 | 974 |
| Total noninterest income | $72,000 | 11,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 10,814 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 8,689 |
| Total noninterest expense | $3,050,000 | 4,345 |
| Salaries and employee benefits | $1,725,000 | 3,778 |
| Premises and equipment expense | $257,000 | 6,405 |
| Additional noninterest expense | $1,068,000 | 4,458 |
| Pre-tax net operating income | $816,000 | 6,797 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $239,000 | 6,699 |
| Income before extraordinary items | $577,000 | 6,713 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $577,000 | 6,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,001,000 | 862 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $577,000 | 6,771 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,452,000 | 3,632 |
| Total interest expense | $3,343,000 | 3,749 |
| Net interest income | $5,109,000 | 3,497 |
| Provision for loan and lease losses | $913,000 | 1,383 |
| Total noninterest income | $155,000 | 10,106 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,351 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 6,451 |
| Total noninterest expense | $3,925,000 | 3,552 |
| Salaries and employee benefits | $1,691,000 | 3,839 |
| Premises and equipment expense | $403,000 | 4,683 |
| Additional noninterest expense | $1,831,000 | 2,947 |
| Pre-tax net operating income | $426,000 | 9,207 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $165,000 | 8,309 |
| Income before extraordinary items | $261,000 | 9,914 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $261,000 | 10,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $853,000 | 1,274 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $261,000 | 9,658 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,763,000 | 3,572 |
| Total interest expense | $4,414,000 | 3,715 |
| Net interest income | $5,349,000 | 3,411 |
| Provision for loan and lease losses | $1,495,000 | 1,407 |
| Total noninterest income | $244,000 | 8,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 11,764 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $244,000 | 5,037 |
| Total noninterest expense | $4,664,000 | 3,059 |
| Salaries and employee benefits | $2,118,000 | 3,052 |
| Premises and equipment expense | $679,000 | 2,998 |
| Additional noninterest expense | $1,867,000 | 2,969 |
| Pre-tax net operating income | $-566,000 | 13,328 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $-205,000 | 13,656 |
| Income before extraordinary items | $-361,000 | 13,301 |
| Extraordinary gains, net | $278,000 | 328 |
| Net income | $-83,000 | 13,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,739,000 | 1,059 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-361,000 | 13,190 |
* 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.