Home > The Albion National Bank > Income and Expense
The Albion National Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,637,000 | 6,162 |
| Total interest expense | $1,094,000 | 5,190 |
| Net interest income | $1,543,000 | 6,604 |
| Provision for loan and lease losses | $13,000 | 6,408 |
| Total noninterest income | $294,000 | 5,809 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $115,000 | 5,606 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $179,000 | 4,847 |
| Total noninterest expense | $1,171,000 | 6,777 |
| Salaries and employee benefits | $672,000 | 6,651 |
| Premises and equipment expense | $145,000 | 6,792 |
| Additional noninterest expense | $354,000 | 6,704 |
| Pre-tax net operating income | $653,000 | 5,793 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $132,000 | 4,962 |
| Income before extraordinary items | $521,000 | 5,801 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $521,000 | 5,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,559 |
| Cash dividends | $300,000 | 3,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $521,000 | 5,774 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,709,000 | 6,194 |
| Total interest expense | $690,000 | 5,191 |
| Net interest income | $1,019,000 | 6,618 |
| Provision for loan and lease losses | $9,000 | 6,195 |
| Total noninterest income | $180,000 | 5,977 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $72,000 | 5,681 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $108,000 | 5,022 |
| Total noninterest expense | $783,000 | 6,788 |
| Salaries and employee benefits | $446,000 | 6,661 |
| Premises and equipment expense | $99,000 | 6,728 |
| Additional noninterest expense | $238,000 | 6,675 |
| Pre-tax net operating income | $407,000 | 5,942 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $79,000 | 5,088 |
| Income before extraordinary items | $328,000 | 5,929 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $328,000 | 5,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,238 |
| Cash dividends | $200,000 | 3,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $328,000 | 5,879 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $829,000 | 6,284 |
| Total interest expense | $323,000 | 5,284 |
| Net interest income | $506,000 | 6,687 |
| Provision for loan and lease losses | $5,000 | 5,826 |
| Total noninterest income | $98,000 | 5,732 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $33,000 | 5,810 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,607 |
| Total noninterest expense | $403,000 | 6,750 |
| Salaries and employee benefits | $224,000 | 6,701 |
| Premises and equipment expense | $48,000 | 6,855 |
| Additional noninterest expense | $131,000 | 6,423 |
| Pre-tax net operating income | $196,000 | 6,004 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $36,000 | 5,142 |
| Income before extraordinary items | $160,000 | 5,964 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $160,000 | 5,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $160,000 | 5,923 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,156,000 | 6,285 |
| Total interest expense | $1,026,000 | 5,577 |
| Net interest income | $2,130,000 | 6,458 |
| Provision for loan and lease losses | $18,000 | 6,797 |
| Total noninterest income | $401,000 | 5,789 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $149,000 | 5,792 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $252,000 | 4,630 |
| Total noninterest expense | $1,556,000 | 6,787 |
| Salaries and employee benefits | $885,000 | 6,659 |
| Premises and equipment expense | $194,000 | 6,832 |
| Additional noninterest expense | $477,000 | 6,687 |
| Pre-tax net operating income | $957,000 | 5,357 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $194,000 | 4,792 |
| Income before extraordinary items | $766,000 | 5,366 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $766,000 | 5,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,147 |
| Cash dividends | $400,000 | 3,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $763,600 | 5,295 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,312,000 | 6,349 |
| Total interest expense | $729,000 | 5,714 |
| Net interest income | $1,583,000 | 6,495 |
| Provision for loan and lease losses | $15,000 | 6,527 |
| Total noninterest income | $297,000 | 5,844 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $110,000 | 5,875 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $187,000 | 4,640 |
| Total noninterest expense | $1,163,000 | 6,769 |
| Salaries and employee benefits | $663,000 | 6,625 |
| Premises and equipment expense | $151,000 | 6,711 |
| Additional noninterest expense | $349,000 | 6,731 |
| Pre-tax net operating income | $702,000 | 5,515 |
| Securities gains (losses) | $2,000 | 3,384 |
| Applicable income taxes | $139,000 | 4,943 |
| Income before extraordinary items | $565,000 | 5,520 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $565,000 | 5,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,410 |
| Cash dividends | $300,000 | 3,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $563,400 | 5,453 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,514,000 | 6,433 |
| Total interest expense | $473,000 | 5,807 |
| Net interest income | $1,041,000 | 6,555 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $196,000 | 5,865 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $70,000 | 5,970 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $126,000 | 4,677 |
| Total noninterest expense | $764,000 | 6,840 |
| Salaries and employee benefits | $436,000 | 6,715 |
| Premises and equipment expense | $105,000 | 6,680 |
| Additional noninterest expense | $223,000 | 6,873 |
| Pre-tax net operating income | $461,000 | 5,504 |
| Securities gains (losses) | $2,000 | 3,048 |
| Applicable income taxes | $90,000 | 4,967 |
| Income before extraordinary items | $373,000 | 5,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $373,000 | 5,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,667 |
| Cash dividends | $200,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $371,380 | 5,418 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $758,000 | 6,450 |
| Total interest expense | $240,000 | 5,816 |
| Net interest income | $518,000 | 6,589 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $112,000 | 5,514 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $81,000 | 4,156 |
| Total noninterest expense | $394,000 | 6,805 |
| Salaries and employee benefits | $219,000 | 6,733 |
| Premises and equipment expense | $54,000 | 6,592 |
| Additional noninterest expense | $121,000 | 6,647 |
| Pre-tax net operating income | $230,000 | 5,488 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $45,000 | 4,981 |
| Income before extraordinary items | $185,000 | 5,527 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $185,000 | 5,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 1,639 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $185,000 | 5,409 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,232,000 | 6,287 |
| Total interest expense | $1,206,000 | 5,557 |
| Net interest income | $2,026,000 | 6,560 |
| Provision for loan and lease losses | $82,000 | 5,609 |
| Total noninterest income | $340,000 | 6,320 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $117,000 | 6,317 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $223,000 | 5,065 |
| Total noninterest expense | $1,458,000 | 6,968 |
| Salaries and employee benefits | $831,000 | 6,805 |
| Premises and equipment expense | $169,000 | 7,147 |
| Additional noninterest expense | $458,000 | 6,801 |
| Pre-tax net operating income | $826,000 | 5,618 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $160,000 | 5,198 |
| Income before extraordinary items | $666,000 | 5,713 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $666,000 | 5,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,779 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $666,000 | 5,545 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,467,000 | 6,294 |
| Total interest expense | $927,000 | 5,608 |
| Net interest income | $1,540,000 | 6,556 |
| Provision for loan and lease losses | $9,000 | 7,157 |
| Total noninterest income | $251,000 | 6,398 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $85,000 | 6,406 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $166,000 | 5,145 |
| Total noninterest expense | $1,086,000 | 6,987 |
| Salaries and employee benefits | $635,000 | 6,766 |
| Premises and equipment expense | $123,000 | 7,226 |
| Additional noninterest expense | $328,000 | 6,907 |
| Pre-tax net operating income | $696,000 | 5,522 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $151,000 | 5,082 |
| Income before extraordinary items | $545,000 | 5,637 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $545,000 | 5,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,653 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $545,000 | 5,457 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,630,000 | 6,363 |
| Total interest expense | $624,000 | 5,707 |
| Net interest income | $1,006,000 | 6,622 |
| Provision for loan and lease losses | $6,000 | 7,004 |
| Total noninterest income | $157,000 | 6,538 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $55,000 | 6,423 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $102,000 | 5,294 |
| Total noninterest expense | $711,000 | 7,048 |
| Salaries and employee benefits | $424,000 | 6,788 |
| Premises and equipment expense | $78,000 | 7,336 |
| Additional noninterest expense | $209,000 | 7,022 |
| Pre-tax net operating income | $446,000 | 5,602 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $98,000 | 5,169 |
| Income before extraordinary items | $348,000 | 5,747 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $348,000 | 5,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,572 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $348,000 | 5,540 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $798,000 | 6,462 |
| Total interest expense | $318,000 | 5,758 |
| Net interest income | $480,000 | 6,763 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $95,000 | 6,020 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $71,000 | 4,573 |
| Total noninterest expense | $359,000 | 7,051 |
| Salaries and employee benefits | $213,000 | 6,782 |
| Premises and equipment expense | $40,000 | 7,320 |
| Additional noninterest expense | $106,000 | 7,009 |
| Pre-tax net operating income | $213,000 | 5,694 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $48,000 | 5,169 |
| Income before extraordinary items | $165,000 | 5,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $165,000 | 5,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,558 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $165,000 | 5,598 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,606,000 | 6,240 |
| Total interest expense | $1,501,000 | 5,717 |
| Net interest income | $2,105,000 | 6,464 |
| Provision for loan and lease losses | $28,000 | 7,268 |
| Total noninterest income | $325,000 | 6,281 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $111,000 | 6,388 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $214,000 | 4,880 |
| Total noninterest expense | $1,394,000 | 7,067 |
| Salaries and employee benefits | $833,000 | 6,764 |
| Premises and equipment expense | $155,000 | 7,378 |
| Additional noninterest expense | $406,000 | 7,117 |
| Pre-tax net operating income | $1,008,000 | 5,186 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $243,000 | 4,809 |
| Income before extraordinary items | $767,000 | 5,316 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $767,000 | 5,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $450,000 | 3,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $765,480 | 5,184 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,968,000 | 6,384 |
| Total interest expense | $2,105,000 | 5,942 |
| Net interest income | $1,863,000 | 6,678 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $312,000 | 6,317 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $113,000 | 6,354 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $199,000 | 4,932 |
| Total noninterest expense | $1,399,000 | 7,016 |
| Salaries and employee benefits | $784,000 | 6,858 |
| Premises and equipment expense | $164,000 | 7,301 |
| Additional noninterest expense | $451,000 | 6,779 |
| Pre-tax net operating income | $686,000 | 5,879 |
| Securities gains (losses) | $102,000 | 1,730 |
| Applicable income taxes | $209,000 | 4,949 |
| Income before extraordinary items | $579,000 | 5,721 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $579,000 | 5,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,941 |
| Cash dividends | $400,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $504,540 | 5,935 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,131,000 | 6,379 |
| Total interest expense | $2,119,000 | 6,107 |
| Net interest income | $2,012,000 | 6,540 |
| Provision for loan and lease losses | $126,000 | 4,747 |
| Total noninterest income | $285,000 | 6,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 6,381 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 5,123 |
| Total noninterest expense | $1,410,000 | 6,978 |
| Salaries and employee benefits | $793,000 | 6,761 |
| Premises and equipment expense | $151,000 | 7,584 |
| Additional noninterest expense | $466,000 | 6,666 |
| Pre-tax net operating income | $761,000 | 6,000 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $212,000 | 5,290 |
| Income before extraordinary items | $549,000 | 6,082 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $549,000 | 6,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,307 |
| Cash dividends | $500,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $549,000 | 6,086 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,039,000 | 6,335 |
| Total interest expense | $1,860,000 | 6,244 |
| Net interest income | $2,179,000 | 6,321 |
| Provision for loan and lease losses | $136,000 | 4,489 |
| Total noninterest income | $269,000 | 6,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 6,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 5,673 |
| Total noninterest expense | $1,365,000 | 7,127 |
| Salaries and employee benefits | $750,000 | 6,990 |
| Premises and equipment expense | $167,000 | 7,366 |
| Additional noninterest expense | $448,000 | 6,920 |
| Pre-tax net operating income | $947,000 | 5,462 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $274,000 | 5,011 |
| Income before extraordinary items | $673,000 | 5,579 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $673,000 | 5,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,565 |
| Cash dividends | $575,000 | 3,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $673,000 | 5,541 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,094,000 | 6,405 |
| Total interest expense | $2,025,000 | 6,152 |
| Net interest income | $2,069,000 | 6,541 |
| Provision for loan and lease losses | $96,000 | 5,205 |
| Total noninterest income | $293,000 | 6,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 6,406 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 5,365 |
| Total noninterest expense | $1,341,000 | 7,127 |
| Salaries and employee benefits | $734,000 | 7,006 |
| Premises and equipment expense | $179,000 | 7,070 |
| Additional noninterest expense | $428,000 | 6,999 |
| Pre-tax net operating income | $925,000 | 5,648 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $277,000 | 5,396 |
| Income before extraordinary items | $648,000 | 5,832 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $648,000 | 5,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $648,000 | 5,718 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,837,000 | 6,809 |
| Total interest expense | $1,804,000 | 6,676 |
| Net interest income | $2,033,000 | 6,847 |
| Provision for loan and lease losses | $72,000 | 5,860 |
| Total noninterest income | $327,000 | 6,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $124,000 | 6,675 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $203,000 | 4,916 |
| Total noninterest expense | $1,400,000 | 7,032 |
| Salaries and employee benefits | $787,000 | 6,853 |
| Premises and equipment expense | $164,000 | 7,495 |
| Additional noninterest expense | $449,000 | 6,934 |
| Pre-tax net operating income | $888,000 | 6,187 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $274,000 | 5,980 |
| Income before extraordinary items | $614,000 | 6,285 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $614,000 | 6,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,830 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $614,000 | 6,226 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,620,000 | 7,250 |
| Total interest expense | $1,673,000 | 7,153 |
| Net interest income | $1,947,000 | 7,258 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $284,000 | 7,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,023 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,740 |
| Total noninterest expense | $1,261,000 | 7,795 |
| Salaries and employee benefits | $708,000 | 7,481 |
| Premises and equipment expense | $125,000 | 8,668 |
| Additional noninterest expense | $428,000 | 7,646 |
| Pre-tax net operating income | $880,000 | 6,162 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $283,000 | 6,032 |
| Income before extraordinary items | $595,000 | 6,304 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $595,000 | 6,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $400,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $596,360 | 6,231 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,404,000 | 7,683 |
| Total interest expense | $1,645,000 | 7,286 |
| Net interest income | $1,759,000 | 7,874 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $231,000 | 7,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,451 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,722 |
| Total noninterest expense | $1,208,000 | 8,180 |
| Salaries and employee benefits | $631,000 | 8,176 |
| Premises and equipment expense | $130,000 | 8,799 |
| Additional noninterest expense | $447,000 | 7,736 |
| Pre-tax net operating income | $752,000 | 7,048 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $256,000 | 6,556 |
| Income before extraordinary items | $496,000 | 7,288 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $496,000 | 7,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $496,000 | 7,250 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,911,000 | 8,206 |
| Total interest expense | $1,319,000 | 7,490 |
| Net interest income | $1,592,000 | 8,602 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $231,000 | 8,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 7,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 7,224 |
| Total noninterest expense | $1,166,000 | 8,739 |
| Salaries and employee benefits | $610,000 | 8,545 |
| Premises and equipment expense | $103,000 | 9,932 |
| Additional noninterest expense | $453,000 | 8,283 |
| Pre-tax net operating income | $627,000 | 7,843 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $219,000 | 7,023 |
| Income before extraordinary items | $408,000 | 8,130 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $408,000 | 8,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $408,000 | 8,173 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,756,000 | 8,737 |
| Total interest expense | $1,305,000 | 7,861 |
| Net interest income | $1,451,000 | 9,273 |
| Provision for loan and lease losses | $18,000 | 9,198 |
| Total noninterest income | $205,000 | 9,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 8,082 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 8,081 |
| Total noninterest expense | $1,072,000 | 9,434 |
| Salaries and employee benefits | $558,000 | 9,143 |
| Premises and equipment expense | $98,000 | 10,504 |
| Additional noninterest expense | $416,000 | 9,082 |
| Pre-tax net operating income | $566,000 | 8,185 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $198,000 | 7,661 |
| Income before extraordinary items | $366,000 | 8,783 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $366,000 | 8,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $367,300 | 8,504 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,000,000 | 8,972 |
| Total interest expense | $1,526,000 | 8,438 |
| Net interest income | $1,474,000 | 9,360 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $165,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 9,378 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 8,441 |
| Total noninterest expense | $1,062,000 | 9,700 |
| Salaries and employee benefits | $530,000 | 9,485 |
| Premises and equipment expense | $93,000 | 10,996 |
| Additional noninterest expense | $439,000 | 9,105 |
| Pre-tax net operating income | $577,000 | 7,879 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $207,000 | 7,418 |
| Income before extraordinary items | $401,000 | 8,216 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $401,000 | 8,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 12,286 |
| Cash dividends | $340,000 | 3,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $380,540 | 8,055 |
* 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.