Home > Texas Community Bank and Trust > Income and Expense
Texas Community Bank and Trust, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,606,000 | 4,321 |
| Total interest expense | $1,488,000 | 5,243 |
| Net interest income | $5,118,000 | 3,888 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $989,000 | 3,591 |
| Gross Fiduciary activities income | $510,000 | 579 |
| Service charges on deposit accounts | $304,000 | 4,149 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $175,000 | 5,437 |
| Total noninterest expense | $3,700,000 | 4,114 |
| Salaries and employee benefits | $1,862,000 | 4,359 |
| Premises and equipment expense | $528,000 | 4,012 |
| Additional noninterest expense | $1,310,000 | 3,593 |
| Pre-tax net operating income | $2,347,000 | 3,289 |
| Securities gains (losses) | $-9,000 | 7,501 |
| Applicable income taxes | $827,000 | 2,561 |
| Income before extraordinary items | $1,511,000 | 3,775 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,511,000 | 3,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,005 |
| Cash dividends | $900,000 | 2,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,516,850 | 3,731 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,903,000 | 4,302 |
| Total interest expense | $1,060,000 | 5,279 |
| Net interest income | $3,843,000 | 3,878 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $738,000 | 3,610 |
| Gross Fiduciary activities income | $373,000 | 577 |
| Service charges on deposit accounts | $229,000 | 4,151 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $136,000 | 5,378 |
| Total noninterest expense | $2,638,000 | 4,235 |
| Salaries and employee benefits | $1,393,000 | 4,333 |
| Premises and equipment expense | $393,000 | 4,018 |
| Additional noninterest expense | $852,000 | 3,991 |
| Pre-tax net operating income | $1,898,000 | 3,165 |
| Securities gains (losses) | $-9,000 | 7,876 |
| Applicable income taxes | $663,000 | 2,473 |
| Income before extraordinary items | $1,226,000 | 3,607 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,226,000 | 3,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,153 |
| Cash dividends | $600,000 | 2,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,231,850 | 3,568 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,208,000 | 4,297 |
| Total interest expense | $676,000 | 5,252 |
| Net interest income | $2,532,000 | 3,883 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $494,000 | 3,557 |
| Gross Fiduciary activities income | $247,000 | 586 |
| Service charges on deposit accounts | $148,000 | 4,183 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $99,000 | 5,211 |
| Total noninterest expense | $1,760,000 | 4,219 |
| Salaries and employee benefits | $927,000 | 4,315 |
| Premises and equipment expense | $258,000 | 4,051 |
| Additional noninterest expense | $575,000 | 3,930 |
| Pre-tax net operating income | $1,236,000 | 3,171 |
| Securities gains (losses) | $-9,000 | 8,110 |
| Applicable income taxes | $422,000 | 2,529 |
| Income before extraordinary items | $805,000 | 3,623 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $805,000 | 3,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,991 |
| Cash dividends | $400,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $810,940 | 3,564 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,568,000 | 4,339 |
| Total interest expense | $297,000 | 5,505 |
| Net interest income | $1,271,000 | 3,869 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $256,000 | 3,406 |
| Gross Fiduciary activities income | $124,000 | 600 |
| Service charges on deposit accounts | $71,000 | 4,223 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,744 |
| Total noninterest expense | $903,000 | 4,155 |
| Salaries and employee benefits | $479,000 | 4,236 |
| Premises and equipment expense | $128,000 | 4,125 |
| Additional noninterest expense | $296,000 | 3,846 |
| Pre-tax net operating income | $609,000 | 3,187 |
| Securities gains (losses) | $-9,000 | 8,513 |
| Applicable income taxes | $196,000 | 2,629 |
| Income before extraordinary items | $404,000 | 3,594 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $404,000 | 3,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $410,030 | 3,520 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,232,000 | 4,140 |
| Total interest expense | $1,005,000 | 5,635 |
| Net interest income | $5,227,000 | 3,683 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,127,000 | 3,267 |
| Gross Fiduciary activities income | $471,000 | 592 |
| Service charges on deposit accounts | $418,000 | 3,541 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $238,000 | 4,736 |
| Total noninterest expense | $4,500,000 | 3,410 |
| Salaries and employee benefits | $2,244,000 | 3,639 |
| Premises and equipment expense | $481,000 | 4,212 |
| Additional noninterest expense | $1,775,000 | 2,676 |
| Pre-tax net operating income | $1,854,000 | 3,712 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $648,000 | 2,898 |
| Income before extraordinary items | $1,206,000 | 4,196 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,206,000 | 4,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,324 |
| Cash dividends | $900,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,206,000 | 4,125 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,639,000 | 4,149 |
| Total interest expense | $754,000 | 5,611 |
| Net interest income | $3,885,000 | 3,683 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $870,000 | 3,221 |
| Gross Fiduciary activities income | $352,000 | 594 |
| Service charges on deposit accounts | $337,000 | 3,399 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $181,000 | 4,710 |
| Total noninterest expense | $3,423,000 | 3,352 |
| Salaries and employee benefits | $1,696,000 | 3,605 |
| Premises and equipment expense | $350,000 | 4,288 |
| Additional noninterest expense | $1,377,000 | 2,577 |
| Pre-tax net operating income | $1,332,000 | 3,891 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $464,000 | 3,037 |
| Income before extraordinary items | $868,000 | 4,380 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $868,000 | 4,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,105 |
| Cash dividends | $775,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $868,000 | 4,305 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,024,000 | 4,224 |
| Total interest expense | $498,000 | 5,663 |
| Net interest income | $2,526,000 | 3,744 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $598,000 | 3,178 |
| Gross Fiduciary activities income | $236,000 | 591 |
| Service charges on deposit accounts | $239,000 | 3,241 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $123,000 | 4,730 |
| Total noninterest expense | $2,368,000 | 3,261 |
| Salaries and employee benefits | $1,134,000 | 3,602 |
| Premises and equipment expense | $223,000 | 4,437 |
| Additional noninterest expense | $1,011,000 | 2,367 |
| Pre-tax net operating income | $756,000 | 4,259 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $244,000 | 3,435 |
| Income before extraordinary items | $512,000 | 4,676 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $512,000 | 4,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,017 |
| Cash dividends | $650,000 | 1,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $512,000 | 4,583 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,469,000 | 4,333 |
| Total interest expense | $250,000 | 5,710 |
| Net interest income | $1,219,000 | 3,849 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $293,000 | 3,167 |
| Gross Fiduciary activities income | $118,000 | 600 |
| Service charges on deposit accounts | $119,000 | 3,168 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $56,000 | 4,886 |
| Total noninterest expense | $1,062,000 | 3,591 |
| Salaries and employee benefits | $568,000 | 3,622 |
| Premises and equipment expense | $114,000 | 4,394 |
| Additional noninterest expense | $380,000 | 3,044 |
| Pre-tax net operating income | $450,000 | 3,785 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $141,000 | 3,204 |
| Income before extraordinary items | $309,000 | 4,187 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $309,000 | 4,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $525,000 | 1,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $309,000 | 4,064 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,741,000 | 3,941 |
| Total interest expense | $1,078,000 | 5,901 |
| Net interest income | $5,663,000 | 3,342 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $1,325,000 | 3,097 |
| Gross Fiduciary activities income | $478,000 | 580 |
| Service charges on deposit accounts | $491,000 | 3,130 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $356,000 | 4,185 |
| Total noninterest expense | $4,202,000 | 3,560 |
| Salaries and employee benefits | $2,399,000 | 3,370 |
| Premises and equipment expense | $528,000 | 3,891 |
| Additional noninterest expense | $1,275,000 | 3,555 |
| Pre-tax net operating income | $2,786,000 | 2,656 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,001,000 | 2,172 |
| Income before extraordinary items | $1,785,000 | 3,124 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,785,000 | 3,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,564 |
| Cash dividends | $600,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,785,000 | 2,978 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,307,000 | 3,840 |
| Total interest expense | $831,000 | 5,958 |
| Net interest income | $4,476,000 | 3,209 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,009,000 | 3,112 |
| Gross Fiduciary activities income | $371,000 | 570 |
| Service charges on deposit accounts | $368,000 | 3,149 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $270,000 | 4,233 |
| Total noninterest expense | $3,128,000 | 3,575 |
| Salaries and employee benefits | $1,797,000 | 3,368 |
| Premises and equipment expense | $385,000 | 3,972 |
| Additional noninterest expense | $946,000 | 3,559 |
| Pre-tax net operating income | $2,357,000 | 2,500 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $849,000 | 2,120 |
| Income before extraordinary items | $1,508,000 | 2,950 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,508,000 | 2,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,535 |
| Cash dividends | $600,000 | 2,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,508,000 | 2,806 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,575,000 | 3,822 |
| Total interest expense | $545,000 | 6,124 |
| Net interest income | $3,030,000 | 3,159 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $676,000 | 3,085 |
| Gross Fiduciary activities income | $244,000 | 574 |
| Service charges on deposit accounts | $240,000 | 3,164 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $192,000 | 4,111 |
| Total noninterest expense | $2,074,000 | 3,586 |
| Salaries and employee benefits | $1,186,000 | 3,397 |
| Premises and equipment expense | $241,000 | 4,161 |
| Additional noninterest expense | $647,000 | 3,468 |
| Pre-tax net operating income | $1,632,000 | 2,425 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $589,000 | 2,081 |
| Income before extraordinary items | $1,043,000 | 2,881 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,043,000 | 2,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $300,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,043,000 | 2,714 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,763,000 | 3,892 |
| Total interest expense | $266,000 | 6,302 |
| Net interest income | $1,497,000 | 3,172 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $313,000 | 3,153 |
| Gross Fiduciary activities income | $90,000 | 676 |
| Service charges on deposit accounts | $113,000 | 3,234 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 3,756 |
| Total noninterest expense | $1,052,000 | 3,518 |
| Salaries and employee benefits | $606,000 | 3,336 |
| Premises and equipment expense | $113,000 | 4,362 |
| Additional noninterest expense | $333,000 | 3,335 |
| Pre-tax net operating income | $758,000 | 2,577 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $262,000 | 2,257 |
| Income before extraordinary items | $496,000 | 2,965 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $496,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,979 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $496,000 | 2,824 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,188,000 | 4,461 |
| Total interest expense | $961,000 | 7,040 |
| Net interest income | $5,227,000 | 3,525 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $1,124,000 | 3,204 |
| Gross Fiduciary activities income | $359,000 | 669 |
| Service charges on deposit accounts | $432,000 | 3,347 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $333,000 | 4,038 |
| Total noninterest expense | $3,615,000 | 3,857 |
| Salaries and employee benefits | $2,062,000 | 3,652 |
| Premises and equipment expense | $471,000 | 4,118 |
| Additional noninterest expense | $1,082,000 | 3,936 |
| Pre-tax net operating income | $2,706,000 | 2,717 |
| Securities gains (losses) | $59,000 | 2,258 |
| Applicable income taxes | $987,000 | 2,233 |
| Income before extraordinary items | $1,778,000 | 3,071 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,778,000 | 3,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-158,000 | 9,271 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,740,240 | 3,010 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,551,000 | 4,208 |
| Total interest expense | $2,380,000 | 5,548 |
| Net interest income | $5,171,000 | 3,345 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $928,000 | 3,518 |
| Gross Fiduciary activities income | $311,000 | 716 |
| Service charges on deposit accounts | $329,000 | 3,931 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $288,000 | 4,205 |
| Total noninterest expense | $3,414,000 | 3,903 |
| Salaries and employee benefits | $1,795,000 | 3,928 |
| Premises and equipment expense | $491,000 | 3,933 |
| Additional noninterest expense | $1,128,000 | 3,698 |
| Pre-tax net operating income | $2,505,000 | 2,663 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $877,000 | 2,281 |
| Income before extraordinary items | $1,628,000 | 3,034 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,628,000 | 3,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,886 |
| Cash dividends | $1,075,000 | 2,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,628,000 | 2,934 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,804,000 | 4,217 |
| Total interest expense | $3,001,000 | 4,930 |
| Net interest income | $4,803,000 | 3,603 |
| Provision for loan and lease losses | $210,000 | 3,626 |
| Total noninterest income | $1,000,000 | 3,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $246,000 | 4,564 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $754,000 | 2,235 |
| Total noninterest expense | $3,581,000 | 3,628 |
| Salaries and employee benefits | $1,671,000 | 4,006 |
| Premises and equipment expense | $551,000 | 3,509 |
| Additional noninterest expense | $1,359,000 | 3,056 |
| Pre-tax net operating income | $2,012,000 | 3,311 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $678,000 | 2,860 |
| Income before extraordinary items | $1,335,000 | 3,565 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,335,000 | 3,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,135 |
| Cash dividends | $500,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,334,340 | 3,550 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,654,000 | 4,591 |
| Total interest expense | $2,253,000 | 5,559 |
| Net interest income | $4,401,000 | 3,860 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $1,169,000 | 2,749 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $896,000 | 2,008 |
| Total noninterest expense | $3,682,000 | 3,557 |
| Salaries and employee benefits | $1,919,000 | 3,572 |
| Premises and equipment expense | $567,000 | 3,418 |
| Additional noninterest expense | $1,196,000 | 3,434 |
| Pre-tax net operating income | $1,588,000 | 3,944 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $556,000 | 3,399 |
| Income before extraordinary items | $1,032,000 | 4,332 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,032,000 | 4,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 1,256 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,032,000 | 4,294 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,762,000 | 4,517 |
| Total interest expense | $2,229,000 | 5,787 |
| Net interest income | $4,533,000 | 3,706 |
| Provision for loan and lease losses | $615,000 | 1,456 |
| Total noninterest income | $1,425,000 | 2,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $355,000 | 3,465 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,070,000 | 1,767 |
| Total noninterest expense | $3,714,000 | 3,437 |
| Salaries and employee benefits | $1,954,000 | 3,420 |
| Premises and equipment expense | $418,000 | 4,270 |
| Additional noninterest expense | $1,342,000 | 3,052 |
| Pre-tax net operating income | $1,629,000 | 3,938 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $591,000 | 3,444 |
| Income before extraordinary items | $1,038,000 | 4,376 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,038,000 | 4,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $474,000 | 1,304 |
| Cash dividends | $1,800,000 | 1,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,038,000 | 4,284 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,451,000 | 4,802 |
| Total interest expense | $2,253,000 | 5,792 |
| Net interest income | $4,198,000 | 4,064 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $1,166,000 | 2,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $902,000 | 1,859 |
| Total noninterest expense | $3,771,000 | 3,355 |
| Salaries and employee benefits | $2,109,000 | 3,139 |
| Premises and equipment expense | $340,000 | 5,014 |
| Additional noninterest expense | $1,322,000 | 3,065 |
| Pre-tax net operating income | $1,533,000 | 4,415 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $571,000 | 3,825 |
| Income before extraordinary items | $962,000 | 4,836 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $962,000 | 4,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,872 |
| Cash dividends | $250,000 | 4,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $962,000 | 4,778 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,945,000 | 5,220 |
| Total interest expense | $2,234,000 | 5,983 |
| Net interest income | $3,711,000 | 4,600 |
| Provision for loan and lease losses | $135,000 | 4,332 |
| Total noninterest income | $815,000 | 3,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 4,849 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $567,000 | 2,676 |
| Total noninterest expense | $3,128,000 | 4,178 |
| Salaries and employee benefits | $1,743,000 | 3,778 |
| Premises and equipment expense | $304,000 | 5,535 |
| Additional noninterest expense | $1,081,000 | 4,127 |
| Pre-tax net operating income | $1,263,000 | 4,945 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $441,000 | 4,568 |
| Income before extraordinary items | $822,000 | 5,211 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $822,000 | 5,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $822,000 | 5,146 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,175,000 | 5,080 |
| Total interest expense | $2,636,000 | 5,331 |
| Net interest income | $3,539,000 | 4,818 |
| Provision for loan and lease losses | $140,000 | 3,774 |
| Total noninterest income | $1,627,000 | 2,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,336,000 | 1,476 |
| Total noninterest expense | $3,835,000 | 3,457 |
| Salaries and employee benefits | $1,798,000 | 3,647 |
| Premises and equipment expense | $544,000 | 3,491 |
| Additional noninterest expense | $1,493,000 | 3,098 |
| Pre-tax net operating income | $1,191,000 | 5,270 |
| Securities gains (losses) | $-43,000 | 11,086 |
| Applicable income taxes | $402,000 | 4,937 |
| Income before extraordinary items | $746,000 | 5,731 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $746,000 | 5,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,093 |
| Cash dividends | $1,214,000 | 1,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $773,950 | 5,566 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,261,000 | 5,428 |
| Total interest expense | $1,574,000 | 6,672 |
| Net interest income | $3,687,000 | 4,714 |
| Provision for loan and lease losses | $-44,000 | 11,963 |
| Total noninterest income | $1,267,000 | 2,630 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $622,000 | 2,184 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $645,000 | 2,474 |
| Total noninterest expense | $4,428,000 | 3,106 |
| Salaries and employee benefits | $1,771,000 | 3,675 |
| Premises and equipment expense | $870,000 | 2,321 |
| Additional noninterest expense | $1,787,000 | 2,852 |
| Pre-tax net operating income | $570,000 | 8,183 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $180,000 | 7,704 |
| Income before extraordinary items | $390,000 | 8,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $390,000 | 8,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,491 |
| Cash dividends | $201,000 | 5,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $390,000 | 8,329 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,689,000 | 6,099 |
| Total interest expense | $1,358,000 | 7,682 |
| Net interest income | $3,331,000 | 5,175 |
| Provision for loan and lease losses | $-50,000 | 12,736 |
| Total noninterest income | $807,000 | 3,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $537,000 | 2,588 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $270,000 | 4,770 |
| Total noninterest expense | $3,623,000 | 3,798 |
| Salaries and employee benefits | $1,512,000 | 4,242 |
| Premises and equipment expense | $650,000 | 3,077 |
| Additional noninterest expense | $1,461,000 | 3,589 |
| Pre-tax net operating income | $565,000 | 8,190 |
| Securities gains (losses) | $108,000 | 2,386 |
| Applicable income taxes | $226,000 | 7,158 |
| Income before extraordinary items | $447,000 | 7,997 |
| Extraordinary gains, net | $158,000 | 1,187 |
| Net income | $605,000 | 6,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 12,362 |
| Cash dividends | $180,000 | 5,679 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 922 |
| Net operating income | $375,720 | 8,422 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,562,000 | 8,092 |
| Total interest expense | $1,296,000 | 9,253 |
| Net interest income | $2,266,000 | 7,078 |
| Provision for loan and lease losses | $75,000 | 8,067 |
| Total noninterest income | $626,000 | 4,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $326,000 | 4,165 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $300,000 | 4,427 |
| Total noninterest expense | $2,283,000 | 5,729 |
| Salaries and employee benefits | $1,127,000 | 5,473 |
| Premises and equipment expense | $350,000 | 5,369 |
| Additional noninterest expense | $806,000 | 6,036 |
| Pre-tax net operating income | $534,000 | 8,180 |
| Securities gains (losses) | $405,000 | 1,267 |
| Applicable income taxes | $319,000 | 5,701 |
| Income before extraordinary items | $620,000 | 6,436 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $620,000 | 6,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 6,447 |
| Cash dividends | $47,000 | 7,815 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 755 |
| Net operating income | $352,700 | 8,327 |
* 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.