Home > Standard Bank > Income and Expense
Standard Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $45,808,000 | 707 |
| Total interest expense | $21,789,000 | 545 |
| Net interest income | $24,019,000 | 895 |
| Provision for loan and lease losses | $-238,000 | 8,709 |
| Total noninterest income | $808,000 | 4,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $808,000 | 2,519 |
| Total noninterest expense | $9,268,000 | 1,828 |
| Salaries and employee benefits | $5,191,000 | 1,794 |
| Premises and equipment expense | $1,521,000 | 1,601 |
| Additional noninterest expense | $2,556,000 | 1,973 |
| Pre-tax net operating income | $15,797,000 | 648 |
| Securities gains (losses) | $-8,000 | 7,452 |
| Applicable income taxes | $6,381,000 | 535 |
| Income before extraordinary items | $9,408,000 | 770 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $9,408,000 | 772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $4,193,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $137,000 | 684 |
| Net operating income | $9,413,120 | 759 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $33,700,000 | 697 |
| Total interest expense | $15,468,000 | 541 |
| Net interest income | $18,232,000 | 870 |
| Provision for loan and lease losses | $-238,000 | 8,758 |
| Total noninterest income | $631,000 | 3,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $631,000 | 2,481 |
| Total noninterest expense | $6,827,000 | 1,840 |
| Salaries and employee benefits | $3,880,000 | 1,789 |
| Premises and equipment expense | $1,128,000 | 1,609 |
| Additional noninterest expense | $1,819,000 | 2,051 |
| Pre-tax net operating income | $12,274,000 | 620 |
| Securities gains (losses) | $-8,000 | 7,835 |
| Applicable income taxes | $4,902,000 | 530 |
| Income before extraordinary items | $7,364,000 | 733 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,364,000 | 734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $7,369,120 | 714 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $22,476,000 | 683 |
| Total interest expense | $10,080,000 | 521 |
| Net interest income | $12,396,000 | 844 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $409,000 | 3,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $409,000 | 2,502 |
| Total noninterest expense | $4,291,000 | 1,932 |
| Salaries and employee benefits | $2,415,000 | 1,892 |
| Premises and equipment expense | $756,000 | 1,593 |
| Additional noninterest expense | $1,120,000 | 2,192 |
| Pre-tax net operating income | $8,514,000 | 590 |
| Securities gains (losses) | $-8,000 | 8,078 |
| Applicable income taxes | $3,323,000 | 521 |
| Income before extraordinary items | $5,183,000 | 695 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,183,000 | 695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,188,120 | 674 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $11,215,000 | 669 |
| Total interest expense | $4,893,000 | 505 |
| Net interest income | $6,322,000 | 821 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $176,000 | 4,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $176,000 | 2,694 |
| Total noninterest expense | $2,109,000 | 1,959 |
| Salaries and employee benefits | $1,175,000 | 1,946 |
| Premises and equipment expense | $378,000 | 1,611 |
| Additional noninterest expense | $556,000 | 2,196 |
| Pre-tax net operating income | $4,389,000 | 583 |
| Securities gains (losses) | $10,000 | 1,006 |
| Applicable income taxes | $1,848,000 | 488 |
| Income before extraordinary items | $2,551,000 | 700 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,551,000 | 700 |
| 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 | $2,544,600 | 681 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $43,819,000 | 645 |
| Total interest expense | $18,768,000 | 449 |
| Net interest income | $25,051,000 | 786 |
| Provision for loan and lease losses | $174,000 | 4,012 |
| Total noninterest income | $859,000 | 3,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $859,000 | 2,372 |
| Total noninterest expense | $8,016,000 | 2,004 |
| Salaries and employee benefits | $4,768,000 | 1,839 |
| Premises and equipment expense | $1,473,000 | 1,580 |
| Additional noninterest expense | $1,775,000 | 2,676 |
| Pre-tax net operating income | $17,720,000 | 540 |
| Securities gains (losses) | $677,000 | 373 |
| Applicable income taxes | $7,742,000 | 439 |
| Income before extraordinary items | $10,655,000 | 632 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $10,655,000 | 633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,222 |
| Cash dividends | $4,073,000 | 746 |
| Sale, conversion, retirement of capital stock, net | $606,000 | 449 |
| Net operating income | $10,221,720 | 627 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $32,474,000 | 644 |
| Total interest expense | $13,916,000 | 447 |
| Net interest income | $18,558,000 | 796 |
| Provision for loan and lease losses | $174,000 | 3,297 |
| Total noninterest income | $715,000 | 3,680 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $715,000 | 2,231 |
| Total noninterest expense | $5,963,000 | 2,004 |
| Salaries and employee benefits | $3,622,000 | 1,809 |
| Premises and equipment expense | $1,083,000 | 1,612 |
| Additional noninterest expense | $1,258,000 | 2,804 |
| Pre-tax net operating income | $13,136,000 | 547 |
| Securities gains (losses) | $595,000 | 383 |
| Applicable income taxes | $5,781,000 | 436 |
| Income before extraordinary items | $7,950,000 | 644 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $7,950,000 | 645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,384 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $306,000 | 396 |
| Net operating income | $7,569,200 | 641 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $21,400,000 | 644 |
| Total interest expense | $9,122,000 | 452 |
| Net interest income | $12,278,000 | 790 |
| Provision for loan and lease losses | $174,000 | 2,488 |
| Total noninterest income | $514,000 | 3,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $514,000 | 2,152 |
| Total noninterest expense | $4,058,000 | 1,968 |
| Salaries and employee benefits | $2,471,000 | 1,777 |
| Premises and equipment expense | $718,000 | 1,610 |
| Additional noninterest expense | $869,000 | 2,707 |
| Pre-tax net operating income | $8,560,000 | 549 |
| Securities gains (losses) | $440,000 | 383 |
| Applicable income taxes | $3,794,000 | 449 |
| Income before extraordinary items | $5,206,000 | 646 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,206,000 | 646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $306,000 | 300 |
| Net operating income | $4,924,400 | 648 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $10,798,000 | 650 |
| Total interest expense | $4,507,000 | 464 |
| Net interest income | $6,291,000 | 773 |
| Provision for loan and lease losses | $44,000 | 3,642 |
| Total noninterest income | $231,000 | 3,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $231,000 | 2,252 |
| Total noninterest expense | $1,966,000 | 2,044 |
| Salaries and employee benefits | $1,193,000 | 1,845 |
| Premises and equipment expense | $356,000 | 1,644 |
| Additional noninterest expense | $417,000 | 2,793 |
| Pre-tax net operating income | $4,512,000 | 525 |
| Securities gains (losses) | $479,000 | 273 |
| Applicable income taxes | $2,097,000 | 423 |
| Income before extraordinary items | $2,894,000 | 598 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,894,000 | 597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $306,000 | 181 |
| Net operating income | $2,587,440 | 607 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $43,319,000 | 645 |
| Total interest expense | $20,245,000 | 459 |
| Net interest income | $23,074,000 | 828 |
| Provision for loan and lease losses | $221,000 | 3,835 |
| Total noninterest income | $1,557,000 | 2,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,557,000 | 1,773 |
| Total noninterest expense | $8,185,000 | 1,945 |
| Salaries and employee benefits | $4,832,000 | 1,780 |
| Premises and equipment expense | $1,803,000 | 1,259 |
| Additional noninterest expense | $1,550,000 | 2,988 |
| Pre-tax net operating income | $16,225,000 | 557 |
| Securities gains (losses) | $1,188,000 | 419 |
| Applicable income taxes | $7,323,000 | 465 |
| Income before extraordinary items | $10,090,000 | 651 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $10,090,000 | 653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,474 |
| Cash dividends | $4,030,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 642 |
| Net operating income | $9,329,680 | 651 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $32,455,000 | 658 |
| Total interest expense | $15,633,000 | 466 |
| Net interest income | $16,822,000 | 867 |
| Provision for loan and lease losses | $132,000 | 4,199 |
| Total noninterest income | $1,031,000 | 3,067 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,031,000 | 2,011 |
| Total noninterest expense | $6,065,000 | 1,965 |
| Salaries and employee benefits | $3,552,000 | 1,827 |
| Premises and equipment expense | $1,377,000 | 1,241 |
| Additional noninterest expense | $1,136,000 | 3,045 |
| Pre-tax net operating income | $11,656,000 | 597 |
| Securities gains (losses) | $1,201,000 | 391 |
| Applicable income taxes | $5,352,000 | 482 |
| Income before extraordinary items | $7,505,000 | 685 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,505,000 | 686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,696 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $106,000 | 506 |
| Net operating income | $6,736,360 | 710 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $21,798,000 | 661 |
| Total interest expense | $10,712,000 | 468 |
| Net interest income | $11,086,000 | 884 |
| Provision for loan and lease losses | $132,000 | 3,313 |
| Total noninterest income | $808,000 | 2,737 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $808,000 | 1,764 |
| Total noninterest expense | $4,003,000 | 1,972 |
| Salaries and employee benefits | $2,407,000 | 1,789 |
| Premises and equipment expense | $897,000 | 1,273 |
| Additional noninterest expense | $699,000 | 3,236 |
| Pre-tax net operating income | $7,759,000 | 597 |
| Securities gains (losses) | $1,225,000 | 319 |
| Applicable income taxes | $3,732,000 | 472 |
| Income before extraordinary items | $5,252,000 | 660 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,252,000 | 660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,041 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $106,000 | 386 |
| Net operating income | $4,468,000 | 703 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $11,382,000 | 642 |
| Total interest expense | $5,444,000 | 476 |
| Net interest income | $5,938,000 | 820 |
| Provision for loan and lease losses | $889,000 | 414 |
| Total noninterest income | $383,000 | 2,752 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $383,000 | 1,792 |
| Total noninterest expense | $1,971,000 | 1,988 |
| Salaries and employee benefits | $1,152,000 | 1,854 |
| Premises and equipment expense | $460,000 | 1,243 |
| Additional noninterest expense | $359,000 | 3,128 |
| Pre-tax net operating income | $3,461,000 | 652 |
| Securities gains (losses) | $1,010,000 | 217 |
| Applicable income taxes | $1,875,000 | 475 |
| Income before extraordinary items | $2,596,000 | 663 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,596,000 | 662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 1,550 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $106,000 | 220 |
| Net operating income | $1,949,600 | 790 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $47,270,000 | 650 |
| Total interest expense | $22,776,000 | 517 |
| Net interest income | $24,494,000 | 771 |
| Provision for loan and lease losses | $920,000 | 1,449 |
| Total noninterest income | $1,430,000 | 2,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,430,000 | 1,705 |
| Total noninterest expense | $7,963,000 | 1,890 |
| Salaries and employee benefits | $4,578,000 | 1,748 |
| Premises and equipment expense | $1,714,000 | 1,276 |
| Additional noninterest expense | $1,671,000 | 2,709 |
| Pre-tax net operating income | $17,041,000 | 533 |
| Securities gains (losses) | $1,204,000 | 374 |
| Applicable income taxes | $7,663,000 | 434 |
| Income before extraordinary items | $10,582,000 | 602 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $10,582,000 | 603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,875 |
| Cash dividends | $3,972,000 | 756 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 630 |
| Net operating income | $9,811,440 | 609 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $55,541,000 | 633 |
| Total interest expense | $31,878,000 | 546 |
| Net interest income | $23,663,000 | 745 |
| Provision for loan and lease losses | $653,000 | 1,775 |
| Total noninterest income | $1,207,000 | 2,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,207,000 | 1,789 |
| Total noninterest expense | $7,427,000 | 1,936 |
| Salaries and employee benefits | $4,184,000 | 1,791 |
| Premises and equipment expense | $1,666,000 | 1,286 |
| Additional noninterest expense | $1,577,000 | 2,757 |
| Pre-tax net operating income | $16,790,000 | 500 |
| Securities gains (losses) | $329,000 | 844 |
| Applicable income taxes | $6,935,000 | 436 |
| Income before extraordinary items | $10,184,000 | 569 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $10,184,000 | 570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,483 |
| Cash dividends | $3,289,000 | 852 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 751 |
| Net operating income | $9,973,440 | 553 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $53,250,000 | 683 |
| Total interest expense | $33,406,000 | 576 |
| Net interest income | $19,844,000 | 874 |
| Provision for loan and lease losses | $401,000 | 2,267 |
| Total noninterest income | $1,135,000 | 2,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,135,000 | 1,709 |
| Total noninterest expense | $7,087,000 | 1,963 |
| Salaries and employee benefits | $4,007,000 | 1,798 |
| Premises and equipment expense | $1,618,000 | 1,258 |
| Additional noninterest expense | $1,462,000 | 2,880 |
| Pre-tax net operating income | $13,491,000 | 607 |
| Securities gains (losses) | $67,000 | 652 |
| Applicable income taxes | $5,491,000 | 518 |
| Income before extraordinary items | $8,067,000 | 678 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $8,067,000 | 678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 9,448 |
| Cash dividends | $2,627,000 | 1,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $8,024,120 | 682 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $44,116,000 | 768 |
| Total interest expense | $25,008,000 | 661 |
| Net interest income | $19,108,000 | 923 |
| Provision for loan and lease losses | $226,000 | 3,295 |
| Total noninterest income | $832,000 | 3,520 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $832,000 | 2,102 |
| Total noninterest expense | $7,186,000 | 1,910 |
| Salaries and employee benefits | $3,772,000 | 1,847 |
| Premises and equipment expense | $1,613,000 | 1,256 |
| Additional noninterest expense | $1,801,000 | 2,420 |
| Pre-tax net operating income | $12,528,000 | 687 |
| Securities gains (losses) | $-223,000 | 10,047 |
| Applicable income taxes | $4,983,000 | 601 |
| Income before extraordinary items | $7,322,000 | 790 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,322,000 | 790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,829 |
| Cash dividends | $2,189,000 | 1,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $7,464,720 | 765 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $39,087,000 | 859 |
| Total interest expense | $22,624,000 | 724 |
| Net interest income | $16,463,000 | 1,026 |
| Provision for loan and lease losses | $298,000 | 2,671 |
| Total noninterest income | $1,071,000 | 2,926 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,071,000 | 1,764 |
| Total noninterest expense | $6,167,000 | 2,121 |
| Salaries and employee benefits | $3,260,000 | 2,078 |
| Premises and equipment expense | $1,165,000 | 1,695 |
| Additional noninterest expense | $1,742,000 | 2,385 |
| Pre-tax net operating income | $11,069,000 | 718 |
| Securities gains (losses) | $-431,000 | 10,437 |
| Applicable income taxes | $4,304,000 | 647 |
| Income before extraordinary items | $6,334,000 | 856 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $6,334,000 | 856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 1,740 |
| Cash dividends | $1,924,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $6,609,840 | 799 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $34,581,000 | 991 |
| Total interest expense | $18,639,000 | 880 |
| Net interest income | $15,942,000 | 1,107 |
| Provision for loan and lease losses | $370,000 | 2,214 |
| Total noninterest income | $690,000 | 4,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $690,000 | 2,237 |
| Total noninterest expense | $5,665,000 | 2,276 |
| Salaries and employee benefits | $2,916,000 | 2,267 |
| Premises and equipment expense | $990,000 | 1,990 |
| Additional noninterest expense | $1,759,000 | 2,351 |
| Pre-tax net operating income | $10,597,000 | 777 |
| Securities gains (losses) | $-486,000 | 10,876 |
| Applicable income taxes | $4,248,000 | 687 |
| Income before extraordinary items | $5,863,000 | 947 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $5,863,000 | 948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $374,000 | 1,682 |
| Cash dividends | $1,443,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $6,174,040 | 872 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $32,280,000 | 1,069 |
| Total interest expense | $16,442,000 | 1,014 |
| Net interest income | $15,838,000 | 1,138 |
| Provision for loan and lease losses | $302,000 | 2,546 |
| Total noninterest income | $331,000 | 6,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $331,000 | 3,831 |
| Total noninterest expense | $8,351,000 | 1,700 |
| Salaries and employee benefits | $2,592,000 | 2,579 |
| Premises and equipment expense | $1,080,000 | 1,860 |
| Additional noninterest expense | $4,679,000 | 1,195 |
| Pre-tax net operating income | $7,516,000 | 1,008 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $3,076,000 | 854 |
| Income before extraordinary items | $4,440,000 | 1,151 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,440,000 | 1,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 1,858 |
| Cash dividends | $1,443,000 | 1,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,440,000 | 1,135 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $27,491,000 | 1,247 |
| Total interest expense | $14,724,000 | 1,141 |
| Net interest income | $12,767,000 | 1,412 |
| Provision for loan and lease losses | $834,000 | 1,092 |
| Total noninterest income | $1,249,000 | 2,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,249,000 | 1,557 |
| Total noninterest expense | $5,760,000 | 2,365 |
| Salaries and employee benefits | $2,709,000 | 2,466 |
| Premises and equipment expense | $1,076,000 | 1,880 |
| Additional noninterest expense | $1,975,000 | 2,421 |
| Pre-tax net operating income | $7,422,000 | 1,047 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $3,050,000 | 911 |
| Income before extraordinary items | $4,372,000 | 1,214 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,372,000 | 1,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 1,691 |
| Cash dividends | $786,000 | 2,466 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $4,372,000 | 1,188 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $22,597,000 | 1,372 |
| Total interest expense | $9,576,000 | 1,357 |
| Net interest income | $13,021,000 | 1,375 |
| Provision for loan and lease losses | $504,000 | 1,526 |
| Total noninterest income | $1,042,000 | 3,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,042,000 | 1,789 |
| Total noninterest expense | $5,498,000 | 2,538 |
| Salaries and employee benefits | $2,586,000 | 2,577 |
| Premises and equipment expense | $1,058,000 | 1,926 |
| Additional noninterest expense | $1,854,000 | 2,747 |
| Pre-tax net operating income | $8,061,000 | 958 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $3,254,000 | 814 |
| Income before extraordinary items | $4,801,000 | 1,055 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,801,000 | 1,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,022 |
| Cash dividends | $787,000 | 2,333 |
| Sale, conversion, retirement of capital stock, net | $213,000 | 683 |
| Net operating income | $4,804,840 | 1,069 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $22,727,000 | 1,401 |
| Total interest expense | $8,908,000 | 1,499 |
| Net interest income | $13,819,000 | 1,302 |
| Provision for loan and lease losses | $235,000 | 3,574 |
| Total noninterest income | $873,000 | 3,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $873,000 | 2,246 |
| Total noninterest expense | $5,183,000 | 2,754 |
| Salaries and employee benefits | $2,450,000 | 2,697 |
| Premises and equipment expense | $1,007,000 | 2,036 |
| Additional noninterest expense | $1,726,000 | 3,090 |
| Pre-tax net operating income | $9,274,000 | 795 |
| Securities gains (losses) | $-60,000 | 13,117 |
| Applicable income taxes | $3,766,000 | 685 |
| Income before extraordinary items | $5,448,000 | 955 |
| Extraordinary gains, net | $-5,000 | 12,234 |
| Net income | $5,443,000 | 985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $496,000 | 3,145 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 868 |
| Net operating income | $5,486,400 | 892 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $25,363,000 | 1,441 |
| Total interest expense | $11,334,000 | 1,542 |
| Net interest income | $14,029,000 | 1,316 |
| Provision for loan and lease losses | $275,000 | 4,347 |
| Total noninterest income | $1,017,000 | 3,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,017,000 | 1,972 |
| Total noninterest expense | $4,929,000 | 2,903 |
| Salaries and employee benefits | $2,147,000 | 3,002 |
| Premises and equipment expense | $918,000 | 2,265 |
| Additional noninterest expense | $1,864,000 | 2,975 |
| Pre-tax net operating income | $9,842,000 | 646 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $3,941,000 | 599 |
| Income before extraordinary items | $5,900,000 | 807 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,900,000 | 808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $470,000 | 2,949 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 905 |
| Net operating income | $5,900,640 | 734 |
* 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.