Home > Summit Community Bank > Income and Expense
Summit Community Bank, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,878,000 | 1,236 |
| Total interest expense | $6,493,000 | 918 |
| Net interest income | $10,385,000 | 1,447 |
| Provision for loan and lease losses | $210,000 | 2,903 |
| Total noninterest income | $1,015,000 | 2,894 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $696,000 | 1,898 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $319,000 | 3,624 |
| Total noninterest expense | $5,075,000 | 2,347 |
| Salaries and employee benefits | $2,082,000 | 3,023 |
| Premises and equipment expense | $501,000 | 3,251 |
| Additional noninterest expense | $2,492,000 | 1,472 |
| Pre-tax net operating income | $6,115,000 | 1,082 |
| Securities gains (losses) | $28,000 | 2,085 |
| Applicable income taxes | $1,880,000 | 1,067 |
| Income before extraordinary items | $4,263,000 | 1,162 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,263,000 | 1,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,001 |
| Cash dividends | $1,500,000 | 1,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,243,680 | 1,122 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,164,000 | 1,234 |
| Total interest expense | $4,276,000 | 921 |
| Net interest income | $6,888,000 | 1,445 |
| Provision for loan and lease losses | $120,000 | 3,090 |
| Total noninterest income | $647,000 | 3,003 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $445,000 | 1,940 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $202,000 | 3,714 |
| Total noninterest expense | $3,369,000 | 2,355 |
| Salaries and employee benefits | $1,402,000 | 3,012 |
| Premises and equipment expense | $337,000 | 3,230 |
| Additional noninterest expense | $1,630,000 | 1,484 |
| Pre-tax net operating income | $4,046,000 | 1,075 |
| Securities gains (losses) | $30,000 | 1,791 |
| Applicable income taxes | $1,236,000 | 1,086 |
| Income before extraordinary items | $2,840,000 | 1,148 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,840,000 | 1,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 1,659 |
| Cash dividends | $1,500,000 | 882 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,819,000 | 1,114 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,584,000 | 1,239 |
| Total interest expense | $2,157,000 | 928 |
| Net interest income | $3,427,000 | 1,454 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $283,000 | 3,240 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $210,000 | 1,982 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $73,000 | 4,352 |
| Total noninterest expense | $1,649,000 | 2,425 |
| Salaries and employee benefits | $690,000 | 3,067 |
| Premises and equipment expense | $158,000 | 3,442 |
| Additional noninterest expense | $801,000 | 1,503 |
| Pre-tax net operating income | $2,001,000 | 1,076 |
| Securities gains (losses) | $22,000 | 1,655 |
| Applicable income taxes | $601,000 | 1,116 |
| Income before extraordinary items | $1,422,000 | 1,155 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,422,000 | 1,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 995 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,406,600 | 1,101 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,043,000 | 1,284 |
| Total interest expense | $9,119,000 | 978 |
| Net interest income | $12,924,000 | 1,505 |
| Provision for loan and lease losses | $285,000 | 3,294 |
| Total noninterest income | $1,435,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $663,000 | 2,478 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $772,000 | 2,800 |
| Total noninterest expense | $6,313,000 | 2,488 |
| Salaries and employee benefits | $2,412,000 | 3,359 |
| Premises and equipment expense | $490,000 | 4,132 |
| Additional noninterest expense | $3,411,000 | 1,436 |
| Pre-tax net operating income | $7,761,000 | 1,085 |
| Securities gains (losses) | $155,000 | 1,534 |
| Applicable income taxes | $2,469,000 | 1,085 |
| Income before extraordinary items | $5,447,000 | 1,179 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,447,000 | 1,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,498 |
| Cash dividends | $2,800,000 | 1,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,340,050 | 1,136 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,484,000 | 1,313 |
| Total interest expense | $6,930,000 | 1,009 |
| Net interest income | $9,554,000 | 1,535 |
| Provision for loan and lease losses | $210,000 | 3,249 |
| Total noninterest income | $809,000 | 3,625 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $471,000 | 2,614 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $338,000 | 3,837 |
| Total noninterest expense | $4,544,000 | 2,587 |
| Salaries and employee benefits | $1,792,000 | 3,376 |
| Premises and equipment expense | $366,000 | 4,134 |
| Additional noninterest expense | $2,386,000 | 1,548 |
| Pre-tax net operating income | $5,609,000 | 1,149 |
| Securities gains (losses) | $64,000 | 2,111 |
| Applicable income taxes | $1,790,000 | 1,147 |
| Income before extraordinary items | $3,883,000 | 1,266 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,883,000 | 1,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,060 |
| Cash dividends | $1,400,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,839,480 | 1,209 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,000,000 | 1,327 |
| Total interest expense | $4,685,000 | 1,024 |
| Net interest income | $6,315,000 | 1,543 |
| Provision for loan and lease losses | $135,000 | 3,272 |
| Total noninterest income | $483,000 | 3,818 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $304,000 | 2,617 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $179,000 | 4,239 |
| Total noninterest expense | $2,993,000 | 2,605 |
| Salaries and employee benefits | $1,183,000 | 3,405 |
| Premises and equipment expense | $242,000 | 4,150 |
| Additional noninterest expense | $1,568,000 | 1,550 |
| Pre-tax net operating income | $3,670,000 | 1,166 |
| Securities gains (losses) | $64,000 | 1,848 |
| Applicable income taxes | $1,158,000 | 1,216 |
| Income before extraordinary items | $2,576,000 | 1,281 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,576,000 | 1,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,562 |
| Cash dividends | $1,400,000 | 992 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,531,840 | 1,215 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,478,000 | 1,337 |
| Total interest expense | $2,343,000 | 1,051 |
| Net interest income | $3,135,000 | 1,555 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $202,000 | 4,139 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $145,000 | 2,645 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $57,000 | 5,014 |
| Total noninterest expense | $1,479,000 | 2,620 |
| Salaries and employee benefits | $575,000 | 3,481 |
| Premises and equipment expense | $124,000 | 4,049 |
| Additional noninterest expense | $780,000 | 1,518 |
| Pre-tax net operating income | $1,798,000 | 1,196 |
| Securities gains (losses) | $29,000 | 1,711 |
| Applicable income taxes | $583,000 | 1,211 |
| Income before extraordinary items | $1,244,000 | 1,326 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,244,000 | 1,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,298 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,224,280 | 1,258 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $22,533,000 | 1,355 |
| Total interest expense | $10,068,000 | 1,117 |
| Net interest income | $12,465,000 | 1,555 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $860,000 | 3,823 |
| Gross Fiduciary activities income | $3,000 | 1,565 |
| Service charges on deposit accounts | $583,000 | 2,618 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $274,000 | 4,449 |
| Total noninterest expense | $5,851,000 | 2,521 |
| Salaries and employee benefits | $2,231,000 | 3,420 |
| Premises and equipment expense | $578,000 | 3,521 |
| Additional noninterest expense | $3,042,000 | 1,562 |
| Pre-tax net operating income | $7,174,000 | 1,178 |
| Securities gains (losses) | $-18,000 | 8,978 |
| Applicable income taxes | $2,244,000 | 1,174 |
| Income before extraordinary items | $4,912,000 | 1,286 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,912,000 | 1,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,616 |
| Cash dividends | $2,400,000 | 1,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,924,420 | 1,225 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,678,000 | 3,751 |
| Total interest expense | $4,291,000 | 3,595 |
| Net interest income | $4,387,000 | 3,839 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $267,000 | 6,700 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $202,000 | 5,142 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $65,000 | 7,257 |
| Total noninterest expense | $2,096,000 | 5,570 |
| Salaries and employee benefits | $886,000 | 6,432 |
| Premises and equipment expense | $240,000 | 6,209 |
| Additional noninterest expense | $970,000 | 4,169 |
| Pre-tax net operating income | $2,498,000 | 2,669 |
| Securities gains (losses) | $231,000 | 1,080 |
| Applicable income taxes | $909,000 | 2,228 |
| Income before extraordinary items | $1,820,000 | 2,763 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,820,000 | 2,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,388 |
| Cash dividends | $1,000,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,665,230 | 2,878 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,612,000 | 4,285 |
| Total interest expense | $3,638,000 | 4,275 |
| Net interest income | $3,974,000 | 4,202 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $243,000 | 6,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $195,000 | 5,154 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 7,902 |
| Total noninterest expense | $2,259,000 | 5,231 |
| Salaries and employee benefits | $1,092,000 | 5,588 |
| Premises and equipment expense | $328,000 | 5,154 |
| Additional noninterest expense | $839,000 | 4,577 |
| Pre-tax net operating income | $1,898,000 | 3,456 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $608,000 | 3,079 |
| Income before extraordinary items | $1,290,000 | 3,659 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,290,000 | 3,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,280 |
| Cash dividends | $5,800,000 | 555 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,290,000 | 3,651 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,336,000 | 4,778 |
| Total interest expense | $2,625,000 | 5,057 |
| Net interest income | $3,711,000 | 4,448 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $286,000 | 6,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $169,000 | 5,546 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,247 |
| Total noninterest expense | $2,363,000 | 5,079 |
| Salaries and employee benefits | $1,355,000 | 4,710 |
| Premises and equipment expense | $344,000 | 5,024 |
| Additional noninterest expense | $664,000 | 5,444 |
| Pre-tax net operating income | $1,634,000 | 3,866 |
| Securities gains (losses) | $-236,000 | 10,055 |
| Applicable income taxes | $414,000 | 4,069 |
| Income before extraordinary items | $984,000 | 4,481 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $984,000 | 4,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,343 |
| Cash dividends | $270,000 | 4,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,149,200 | 3,968 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,760,000 | 4,518 |
| Total interest expense | $3,245,000 | 4,437 |
| Net interest income | $3,515,000 | 4,579 |
| Provision for loan and lease losses | $345,000 | 2,334 |
| Total noninterest income | $144,000 | 8,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 7,121 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,910 |
| Total noninterest expense | $2,164,000 | 5,285 |
| Salaries and employee benefits | $1,248,000 | 4,917 |
| Premises and equipment expense | $281,000 | 5,582 |
| Additional noninterest expense | $635,000 | 5,528 |
| Pre-tax net operating income | $1,150,000 | 5,012 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $281,000 | 5,359 |
| Income before extraordinary items | $869,000 | 4,936 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $869,000 | 4,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,454 |
| Cash dividends | $270,000 | 4,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $869,000 | 4,856 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,768,000 | 4,624 |
| Total interest expense | $3,473,000 | 4,165 |
| Net interest income | $3,295,000 | 4,942 |
| Provision for loan and lease losses | $399,000 | 2,118 |
| Total noninterest income | $132,000 | 8,863 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 7,607 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,438 |
| Total noninterest expense | $1,911,000 | 5,820 |
| Salaries and employee benefits | $1,087,000 | 5,528 |
| Premises and equipment expense | $268,000 | 5,826 |
| Additional noninterest expense | $556,000 | 6,081 |
| Pre-tax net operating income | $1,117,000 | 5,474 |
| Securities gains (losses) | $-82,000 | 10,734 |
| Applicable income taxes | $255,000 | 6,207 |
| Income before extraordinary items | $780,000 | 5,540 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $780,000 | 5,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,906 |
| Cash dividends | $270,000 | 4,793 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $841,500 | 5,234 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,484,000 | 4,869 |
| Total interest expense | $3,554,000 | 4,137 |
| Net interest income | $2,930,000 | 5,533 |
| Provision for loan and lease losses | $330,000 | 2,402 |
| Total noninterest income | $130,000 | 9,364 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 7,938 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 8,981 |
| Total noninterest expense | $1,730,000 | 6,548 |
| Salaries and employee benefits | $1,055,000 | 5,768 |
| Premises and equipment expense | $258,000 | 6,136 |
| Additional noninterest expense | $417,000 | 7,744 |
| Pre-tax net operating income | $1,000,000 | 5,740 |
| Securities gains (losses) | $-13,000 | 10,409 |
| Applicable income taxes | $66,000 | 9,389 |
| Income before extraordinary items | $921,000 | 4,789 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $921,000 | 4,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $475,000 | 1,479 |
| Cash dividends | $270,000 | 4,778 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $933,090 | 4,699 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,208,000 | 5,052 |
| Total interest expense | $3,537,000 | 4,115 |
| Net interest income | $2,671,000 | 6,009 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $132,000 | 9,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 8,656 |
| Total noninterest expense | $1,726,000 | 6,663 |
| Salaries and employee benefits | $975,000 | 6,187 |
| Premises and equipment expense | $238,000 | 6,542 |
| Additional noninterest expense | $513,000 | 7,152 |
| Pre-tax net operating income | $1,017,000 | 5,922 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $112,000 | 8,934 |
| Income before extraordinary items | $909,000 | 4,950 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $909,000 | 4,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,390 |
| Cash dividends | $270,000 | 4,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $905,440 | 4,953 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,858,000 | 4,974 |
| Total interest expense | $2,785,000 | 4,231 |
| Net interest income | $3,073,000 | 5,519 |
| Provision for loan and lease losses | $125,000 | 3,960 |
| Total noninterest income | $139,000 | 9,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 8,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 9,009 |
| Total noninterest expense | $1,638,000 | 7,177 |
| Salaries and employee benefits | $918,000 | 6,527 |
| Premises and equipment expense | $205,000 | 7,319 |
| Additional noninterest expense | $515,000 | 7,709 |
| Pre-tax net operating income | $1,449,000 | 4,538 |
| Securities gains (losses) | $-94,000 | 11,489 |
| Applicable income taxes | $262,000 | 6,368 |
| Income before extraordinary items | $1,093,000 | 4,204 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,093,000 | 4,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,319 |
| Cash dividends | $270,000 | 4,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,169,140 | 3,996 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,853,000 | 5,058 |
| Total interest expense | $2,684,000 | 4,534 |
| Net interest income | $3,169,000 | 5,410 |
| Provision for loan and lease losses | $256,000 | 3,328 |
| Total noninterest income | $174,000 | 9,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $73,000 | 9,246 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,826 |
| Total noninterest expense | $1,622,000 | 7,436 |
| Salaries and employee benefits | $876,000 | 6,860 |
| Premises and equipment expense | $200,000 | 7,681 |
| Additional noninterest expense | $546,000 | 7,809 |
| Pre-tax net operating income | $1,465,000 | 4,412 |
| Securities gains (losses) | $62,000 | 3,121 |
| Applicable income taxes | $531,000 | 3,970 |
| Income before extraordinary items | $996,000 | 4,728 |
| Extraordinary gains, net | $67,000 | 1,943 |
| Net income | $1,063,000 | 4,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 8,388 |
| Cash dividends | $270,000 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $955,700 | 4,625 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,856,000 | 5,601 |
| Total interest expense | $3,015,000 | 5,139 |
| Net interest income | $2,841,000 | 5,985 |
| Provision for loan and lease losses | $272,000 | 4,381 |
| Total noninterest income | $150,000 | 10,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $56,000 | 10,079 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 8,290 |
| Total noninterest expense | $1,517,000 | 7,854 |
| Salaries and employee benefits | $855,000 | 6,901 |
| Premises and equipment expense | $179,000 | 8,342 |
| Additional noninterest expense | $483,000 | 8,623 |
| Pre-tax net operating income | $1,202,000 | 4,910 |
| Securities gains (losses) | $71,000 | 3,566 |
| Applicable income taxes | $498,000 | 4,015 |
| Income before extraordinary items | $775,000 | 5,495 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $775,000 | 5,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 6,285 |
| Cash dividends | $171,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $729,560 | 5,407 |
* 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.