Home > State Bank of Howards Grove > Income and Expense
State Bank of Howards Grove, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,116,000 | 3,759 |
| Total interest expense | $2,086,000 | 3,524 |
| Net interest income | $5,030,000 | 3,789 |
| Provision for loan and lease losses | $360,000 | 2,548 |
| Total noninterest income | $2,988,000 | 1,612 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,347,000 | 747 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $641,000 | 2,870 |
| Total noninterest expense | $6,876,000 | 2,322 |
| Salaries and employee benefits | $3,130,000 | 2,729 |
| Premises and equipment expense | $494,000 | 4,134 |
| Additional noninterest expense | $3,252,000 | 1,518 |
| Pre-tax net operating income | $782,000 | 5,846 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $67,000 | 5,846 |
| Income before extraordinary items | $715,000 | 5,527 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $715,000 | 5,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,405 |
| Cash dividends | $319,000 | 4,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $715,000 | 5,447 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,147,000 | 3,843 |
| Total interest expense | $1,423,000 | 3,763 |
| Net interest income | $3,724,000 | 3,808 |
| Provision for loan and lease losses | $270,000 | 2,429 |
| Total noninterest income | $2,014,000 | 1,774 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,607,000 | 816 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $407,000 | 3,157 |
| Total noninterest expense | $4,282,000 | 2,747 |
| Salaries and employee benefits | $1,906,000 | 3,282 |
| Premises and equipment expense | $319,000 | 4,574 |
| Additional noninterest expense | $2,057,000 | 1,749 |
| Pre-tax net operating income | $1,186,000 | 4,181 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $282,000 | 3,895 |
| Income before extraordinary items | $904,000 | 4,260 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $904,000 | 4,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,993 |
| Cash dividends | $239,000 | 3,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $904,000 | 4,183 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,307,000 | 3,953 |
| Total interest expense | $913,000 | 3,883 |
| Net interest income | $2,394,000 | 3,907 |
| Provision for loan and lease losses | $180,000 | 2,366 |
| Total noninterest income | $1,254,000 | 1,855 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,012,000 | 850 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $242,000 | 3,379 |
| Total noninterest expense | $2,710,000 | 2,882 |
| Salaries and employee benefits | $1,200,000 | 3,446 |
| Premises and equipment expense | $202,000 | 4,728 |
| Additional noninterest expense | $1,308,000 | 1,830 |
| Pre-tax net operating income | $758,000 | 4,248 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $178,000 | 3,978 |
| Income before extraordinary items | $580,000 | 4,347 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $580,000 | 4,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,183 |
| Cash dividends | $159,000 | 3,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $580,000 | 4,248 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,620,000 | 4,032 |
| Total interest expense | $439,000 | 4,048 |
| Net interest income | $1,181,000 | 3,947 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $543,000 | 2,035 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $453,000 | 925 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $90,000 | 3,932 |
| Total noninterest expense | $1,249,000 | 3,100 |
| Salaries and employee benefits | $539,000 | 3,782 |
| Premises and equipment expense | $89,000 | 5,208 |
| Additional noninterest expense | $621,000 | 1,904 |
| Pre-tax net operating income | $385,000 | 4,174 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $83,000 | 4,079 |
| Income before extraordinary items | $302,000 | 4,248 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $302,000 | 4,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $80,000 | 3,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $302,000 | 4,125 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,763,000 | 4,417 |
| Total interest expense | $1,727,000 | 4,477 |
| Net interest income | $4,036,000 | 4,341 |
| Provision for loan and lease losses | $150,000 | 4,567 |
| Total noninterest income | $1,305,000 | 3,128 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $921,000 | 1,879 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $384,000 | 4,056 |
| Total noninterest expense | $3,439,000 | 4,174 |
| Salaries and employee benefits | $1,739,000 | 4,365 |
| Premises and equipment expense | $307,000 | 5,607 |
| Additional noninterest expense | $1,393,000 | 3,293 |
| Pre-tax net operating income | $1,752,000 | 3,706 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $428,000 | 3,653 |
| Income before extraordinary items | $1,324,000 | 3,864 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,324,000 | 3,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,116 |
| Cash dividends | $263,000 | 4,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,324,000 | 3,699 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,287,000 | 4,496 |
| Total interest expense | $1,320,000 | 4,535 |
| Net interest income | $2,967,000 | 4,417 |
| Provision for loan and lease losses | $113,000 | 4,460 |
| Total noninterest income | $935,000 | 3,276 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $665,000 | 1,948 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $270,000 | 4,233 |
| Total noninterest expense | $2,441,000 | 4,345 |
| Salaries and employee benefits | $1,199,000 | 4,621 |
| Premises and equipment expense | $241,000 | 5,445 |
| Additional noninterest expense | $1,001,000 | 3,393 |
| Pre-tax net operating income | $1,348,000 | 3,760 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $411,000 | 3,368 |
| Income before extraordinary items | $937,000 | 4,162 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $937,000 | 4,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,128 |
| Cash dividends | $124,000 | 4,546 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $937,000 | 3,981 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,765,000 | 4,655 |
| Total interest expense | $903,000 | 4,571 |
| Net interest income | $1,862,000 | 4,609 |
| Provision for loan and lease losses | $75,000 | 4,385 |
| Total noninterest income | $604,000 | 3,324 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $427,000 | 1,972 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $177,000 | 4,260 |
| Total noninterest expense | $1,592,000 | 4,399 |
| Salaries and employee benefits | $798,000 | 4,616 |
| Premises and equipment expense | $151,000 | 5,624 |
| Additional noninterest expense | $643,000 | 3,489 |
| Pre-tax net operating income | $799,000 | 4,060 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $237,000 | 3,651 |
| Income before extraordinary items | $562,000 | 4,477 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $562,000 | 4,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $83,000 | 4,433 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $562,000 | 4,268 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,350,000 | 4,749 |
| Total interest expense | $454,000 | 4,641 |
| Net interest income | $896,000 | 4,721 |
| Provision for loan and lease losses | $38,000 | 4,186 |
| Total noninterest income | $281,000 | 3,395 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $204,000 | 1,991 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 4,426 |
| Total noninterest expense | $802,000 | 4,362 |
| Salaries and employee benefits | $422,000 | 4,452 |
| Premises and equipment expense | $72,000 | 5,758 |
| Additional noninterest expense | $308,000 | 3,586 |
| Pre-tax net operating income | $337,000 | 4,480 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $94,000 | 4,051 |
| Income before extraordinary items | $243,000 | 4,787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $243,000 | 4,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $41,000 | 3,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $243,000 | 4,596 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,995,000 | 5,180 |
| Total interest expense | $1,864,000 | 5,042 |
| Net interest income | $3,131,000 | 5,163 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $945,000 | 3,605 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $666,000 | 2,342 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $279,000 | 4,409 |
| Total noninterest expense | $2,754,000 | 4,745 |
| Salaries and employee benefits | $1,411,000 | 4,910 |
| Premises and equipment expense | $226,000 | 6,443 |
| Additional noninterest expense | $1,117,000 | 3,818 |
| Pre-tax net operating income | $1,262,000 | 4,578 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $365,000 | 4,077 |
| Income before extraordinary items | $897,000 | 4,895 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $897,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,779 |
| Cash dividends | $271,000 | 4,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $897,000 | 4,762 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,623,000 | 5,877 |
| Total interest expense | $2,327,000 | 5,619 |
| Net interest income | $2,296,000 | 6,003 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $576,000 | 4,689 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $352,000 | 3,736 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $224,000 | 4,704 |
| Total noninterest expense | $1,943,000 | 5,851 |
| Salaries and employee benefits | $1,138,000 | 5,511 |
| Premises and equipment expense | $162,000 | 7,325 |
| Additional noninterest expense | $643,000 | 5,588 |
| Pre-tax net operating income | $869,000 | 5,286 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $247,000 | 4,633 |
| Income before extraordinary items | $621,000 | 5,516 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $621,000 | 5,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $149,000 | 5,364 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $621,720 | 5,391 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,418,000 | 6,160 |
| Total interest expense | $2,531,000 | 5,514 |
| Net interest income | $1,887,000 | 6,748 |
| Provision for loan and lease losses | $41,000 | 6,834 |
| Total noninterest income | $417,000 | 5,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 4,954 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $206,000 | 4,731 |
| Total noninterest expense | $1,680,000 | 6,307 |
| Salaries and employee benefits | $843,000 | 6,534 |
| Premises and equipment expense | $171,000 | 7,229 |
| Additional noninterest expense | $666,000 | 5,371 |
| Pre-tax net operating income | $583,000 | 6,649 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $149,000 | 5,935 |
| Income before extraordinary items | $434,000 | 6,660 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $434,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,998 |
| Cash dividends | $67,000 | 6,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $434,000 | 6,672 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,735,000 | 6,574 |
| Total interest expense | $1,867,000 | 6,225 |
| Net interest income | $1,868,000 | 6,872 |
| Provision for loan and lease losses | $9,000 | 8,193 |
| Total noninterest income | $338,000 | 6,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 6,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $207,000 | 4,862 |
| Total noninterest expense | $1,488,000 | 6,807 |
| Salaries and employee benefits | $819,000 | 6,667 |
| Premises and equipment expense | $245,000 | 6,111 |
| Additional noninterest expense | $424,000 | 7,090 |
| Pre-tax net operating income | $709,000 | 6,287 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $212,000 | 5,584 |
| Income before extraordinary items | $497,000 | 6,459 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $497,000 | 6,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 9,624 |
| Cash dividends | $79,000 | 6,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $497,000 | 6,442 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,658,000 | 6,788 |
| Total interest expense | $1,848,000 | 6,461 |
| Net interest income | $1,810,000 | 7,027 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $300,000 | 6,484 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,463 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,229 |
| Total noninterest expense | $1,455,000 | 6,813 |
| Salaries and employee benefits | $760,000 | 6,866 |
| Premises and equipment expense | $233,000 | 6,215 |
| Additional noninterest expense | $462,000 | 6,705 |
| Pre-tax net operating income | $655,000 | 6,658 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $172,000 | 6,555 |
| Income before extraordinary items | $483,000 | 6,702 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $483,000 | 6,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 10,074 |
| Cash dividends | $90,000 | 6,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $483,000 | 6,600 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,376,000 | 7,318 |
| Total interest expense | $1,689,000 | 6,903 |
| Net interest income | $1,687,000 | 7,579 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $253,000 | 7,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 5,750 |
| Total noninterest expense | $1,294,000 | 7,352 |
| Salaries and employee benefits | $705,000 | 7,294 |
| Premises and equipment expense | $207,000 | 6,730 |
| Additional noninterest expense | $382,000 | 7,511 |
| Pre-tax net operating income | $576,000 | 7,533 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $148,000 | 7,639 |
| Income before extraordinary items | $434,000 | 7,410 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $434,000 | 7,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $265,000 | 4,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $429,500 | 7,399 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,940,000 | 8,077 |
| Total interest expense | $1,505,000 | 7,562 |
| Net interest income | $1,435,000 | 8,422 |
| Provision for loan and lease losses | $239,000 | 3,063 |
| Total noninterest income | $227,000 | 7,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 7,492 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,441 |
| Total noninterest expense | $1,280,000 | 7,721 |
| Salaries and employee benefits | $657,000 | 7,801 |
| Premises and equipment expense | $257,000 | 6,151 |
| Additional noninterest expense | $366,000 | 8,194 |
| Pre-tax net operating income | $143,000 | 10,127 |
| Securities gains (losses) | $-459,000 | 11,367 |
| Applicable income taxes | $-132,000 | 11,211 |
| Income before extraordinary items | $-184,000 | 11,096 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-184,000 | 11,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 2,311 |
| Cash dividends | $60,000 | 7,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $109,760 | 10,085 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,890,000 | 8,376 |
| Total interest expense | $1,428,000 | 7,900 |
| Net interest income | $1,462,000 | 8,648 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $230,000 | 8,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,546 |
| Total noninterest expense | $1,281,000 | 7,917 |
| Salaries and employee benefits | $590,000 | 8,426 |
| Premises and equipment expense | $278,000 | 5,953 |
| Additional noninterest expense | $413,000 | 8,058 |
| Pre-tax net operating income | $411,000 | 8,995 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $158,000 | 8,127 |
| Income before extraordinary items | $255,000 | 9,368 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $255,000 | 9,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,333 |
| Cash dividends | $252,000 | 4,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $253,720 | 9,356 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 8,516 |
| Total interest expense | $1,206,000 | 7,877 |
| Net interest income | $1,513,000 | 8,850 |
| Provision for loan and lease losses | $1,000 | 9,105 |
| Total noninterest income | $228,000 | 8,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,012 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,797 |
| Total noninterest expense | $1,255,000 | 8,401 |
| Salaries and employee benefits | $564,000 | 8,855 |
| Premises and equipment expense | $202,000 | 7,386 |
| Additional noninterest expense | $489,000 | 7,958 |
| Pre-tax net operating income | $485,000 | 8,762 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $137,000 | 8,576 |
| Income before extraordinary items | $349,000 | 8,636 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $349,000 | 8,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,921 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $348,280 | 8,704 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,695,000 | 8,836 |
| Total interest expense | $1,197,000 | 8,260 |
| Net interest income | $1,498,000 | 9,114 |
| Provision for loan and lease losses | $126,000 | 5,087 |
| Total noninterest income | $265,000 | 8,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 8,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $155,000 | 6,451 |
| Total noninterest expense | $1,186,000 | 8,948 |
| Salaries and employee benefits | $545,000 | 9,265 |
| Premises and equipment expense | $178,000 | 8,187 |
| Additional noninterest expense | $463,000 | 8,583 |
| Pre-tax net operating income | $451,000 | 9,019 |
| Securities gains (losses) | $20,000 | 4,664 |
| Applicable income taxes | $116,000 | 9,390 |
| Income before extraordinary items | $355,000 | 8,884 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $355,000 | 9,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 3,310 |
| Cash dividends | $60,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $340,000 | 8,778 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,914,000 | 9,133 |
| Total interest expense | $1,435,000 | 8,726 |
| Net interest income | $1,479,000 | 9,341 |
| Provision for loan and lease losses | $766,000 | 2,214 |
| Total noninterest income | $315,000 | 7,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 8,522 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $215,000 | 5,429 |
| Total noninterest expense | $1,128,000 | 9,366 |
| Salaries and employee benefits | $495,000 | 9,829 |
| Premises and equipment expense | $154,000 | 8,989 |
| Additional noninterest expense | $479,000 | 8,652 |
| Pre-tax net operating income | $-100,000 | 12,944 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $-116,000 | 13,596 |
| Income before extraordinary items | $21,000 | 12,769 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $21,000 | 12,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $420,000 | 2,745 |
| Cash dividends | $16,000 | 8,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $17,800 | 12,555 |
* 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.