Home > The Bank of Durango > Income and Expense

The Bank of Durango, Income and Expense

2007-03-31 (YTD Data)		Rank
Total interest income	$549,000	7,538
Total interest expense	$183,000	7,703
Net interest income	$366,000	7,310
Provision for loan and lease losses	$-200,000	8,581
Total noninterest income	$70,000	6,240
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$13,000	6,796
Trading account gains and fees	$0	195
Additional Noninterest Income	$57,000	4,859
Total noninterest expense	$620,000	5,649
Salaries and employee benefits	$331,000	5,775
Premises and equipment expense	$48,000	6,873
Additional noninterest expense	$241,000	4,659
Pre-tax net operating income	$16,000	7,691
Securities gains (losses)	$0	1,187
Applicable income taxes	$0	6,196
Income before extraordinary items	$16,000	7,675
Extraordinary gains, net	$0	22
Net income	$16,000	7,674
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	2,785
Cash dividends	$0	3,942
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$16,000	7,654
2006-12-31 (YTD Data)		Rank
Total interest income	$2,206,000	7,378
Total interest expense	$624,000	7,661
Net interest income	$1,582,000	7,070
Provision for loan and lease losses	$0	6,850
Total noninterest income	$529,000	5,001
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$93,000	6,245
Trading account gains and fees	$0	130
Additional Noninterest Income	$436,000	3,584
Total noninterest expense	$2,352,000	5,678
Salaries and employee benefits	$1,098,000	6,154
Premises and equipment expense	$207,000	6,656
Additional noninterest expense	$1,047,000	4,361
Pre-tax net operating income	$-241,000	8,143
Securities gains (losses)	$0	1,687
Applicable income taxes	$0	6,600
Income before extraordinary items	$-241,000	8,174
Extraordinary gains, net	$0	51
Net income	$-241,000	8,176
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$132,000	2,766
Cash dividends	$0	5,941
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$-241,000	8,173
2006-09-30 (YTD Data)		Rank
Total interest income	$1,641,000	7,446
Total interest expense	$443,000	7,752
Net interest income	$1,198,000	7,151
Provision for loan and lease losses	$0	6,685
Total noninterest income	$477,000	4,608
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$75,000	6,229
Trading account gains and fees	$0	126
Additional Noninterest Income	$402,000	3,211
Total noninterest expense	$1,780,000	5,635
Salaries and employee benefits	$858,000	6,033
Premises and equipment expense	$157,000	6,650
Additional noninterest expense	$765,000	4,425
Pre-tax net operating income	$-105,000	8,223
Securities gains (losses)	$0	1,388
Applicable income taxes	$0	6,687
Income before extraordinary items	$-105,000	8,252
Extraordinary gains, net	$0	45
Net income	$-105,000	8,254
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$110,000	2,202
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$-105,000	8,243
2006-06-30 (YTD Data)		Rank
Total interest income	$1,057,000	7,513
Total interest expense	$274,000	7,817
Net interest income	$783,000	7,218
Provision for loan and lease losses	$0	6,419
Total noninterest income	$432,000	3,866
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$52,000	6,195
Trading account gains and fees	$0	126
Additional Noninterest Income	$380,000	2,637
Total noninterest expense	$1,231,000	5,523
Salaries and employee benefits	$583,000	6,003
Premises and equipment expense	$111,000	6,530
Additional noninterest expense	$537,000	4,253
Pre-tax net operating income	$-16,000	8,218
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$-16,000	8,228
Extraordinary gains, net	$0	39
Net income	$-16,000	8,230
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	7,881
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$-16,000	8,214
2006-03-31 (YTD Data)		Rank
Total interest income	$501,000	7,604
Total interest expense	$125,000	7,900
Net interest income	$376,000	7,312
Provision for loan and lease losses	$0	6,013
Total noninterest income	$66,000	6,440
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$26,000	6,158
Trading account gains and fees	$0	115
Additional Noninterest Income	$40,000	5,532
Total noninterest expense	$625,000	5,491
Salaries and employee benefits	$289,000	6,047
Premises and equipment expense	$53,000	6,629
Additional noninterest expense	$283,000	4,078
Pre-tax net operating income	$-183,000	8,527
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-183,000	8,551
Extraordinary gains, net	$0	21
Net income	$-183,000	8,550
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-28,000	8,296
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-183,000	8,543
2005-12-31 (YTD Data)		Rank
Total interest income	$2,483,000	7,024
Total interest expense	$745,000	6,917
Net interest income	$1,738,000	6,980
Provision for loan and lease losses	$1,350,000	789
Total noninterest income	$479,000	5,335
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$112,000	6,110
Trading account gains and fees	$0	138
Additional Noninterest Income	$367,000	3,925
Total noninterest expense	$2,496,000	5,386
Salaries and employee benefits	$1,058,000	6,196
Premises and equipment expense	$213,000	6,594
Additional noninterest expense	$1,225,000	3,815
Pre-tax net operating income	$-1,629,000	8,734
Securities gains (losses)	$0	2,296
Applicable income taxes	$-221,000	8,689
Income before extraordinary items	$-1,408,000	8,729
Extraordinary gains, net	$0	46
Net income	$-1,408,000	8,729
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$931,000	714
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$-1,408,000	8,712
2005-09-30 (YTD Data)		Rank
Total interest income	$1,922,000	6,971
Total interest expense	$594,000	6,736
Net interest income	$1,328,000	6,971
Provision for loan and lease losses	$1,350,000	565
Total noninterest income	$301,000	5,758
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$87,000	6,097
Trading account gains and fees	$0	126
Additional Noninterest Income	$214,000	4,453
Total noninterest expense	$1,879,000	5,341
Salaries and employee benefits	$772,000	6,254
Premises and equipment expense	$161,000	6,551
Additional noninterest expense	$946,000	3,665
Pre-tax net operating income	$-1,600,000	8,789
Securities gains (losses)	$0	2,317
Applicable income taxes	$0	6,976
Income before extraordinary items	$-1,600,000	8,805
Extraordinary gains, net	$0	35
Net income	$-1,600,000	8,805
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$876,000	542
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$-1,600,000	8,787
2005-06-30 (YTD Data)		Rank
Total interest income	$1,315,000	6,871
Total interest expense	$413,000	6,527
Net interest income	$902,000	6,934
Provision for loan and lease losses	$1,350,000	375
Total noninterest income	$212,000	5,611
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$61,000	5,980
Trading account gains and fees	$0	116
Additional Noninterest Income	$151,000	4,308
Total noninterest expense	$1,316,000	5,175
Salaries and employee benefits	$496,000	6,370
Premises and equipment expense	$100,000	6,702
Additional noninterest expense	$720,000	3,290
Pre-tax net operating income	$-1,552,000	8,825
Securities gains (losses)	$0	2,146
Applicable income taxes	$0	6,961
Income before extraordinary items	$-1,552,000	8,841
Extraordinary gains, net	$0	30
Net income	$-1,552,000	8,841
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$731,000	457
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$-1,552,000	8,824
2005-03-31 (YTD Data)		Rank
Total interest income	$667,000	6,854
Total interest expense	$215,000	6,358
Net interest income	$452,000	6,967
Provision for loan and lease losses	$1,350,000	202
Total noninterest income	$119,000	5,277
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$34,000	5,761
Trading account gains and fees	$0	115
Additional Noninterest Income	$85,000	4,053
Total noninterest expense	$714,000	4,924
Salaries and employee benefits	$263,000	6,212
Premises and equipment expense	$53,000	6,627
Additional noninterest expense	$398,000	3,027
Pre-tax net operating income	$-1,493,000	8,915
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-1,493,000	8,915
Extraordinary gains, net	$0	24
Net income	$-1,493,000	8,915
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$78,000	1,320
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-1,493,000	8,906
2004-12-31 (YTD Data)		Rank
Total interest income	$2,879,000	6,554
Total interest expense	$694,000	6,620
Net interest income	$2,185,000	6,392
Provision for loan and lease losses	$548,000	1,825
Total noninterest income	$531,000	5,120
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$102,000	6,451
Trading account gains and fees	$0	138
Additional Noninterest Income	$429,000	3,589
Total noninterest expense	$2,410,000	5,429
Salaries and employee benefits	$933,000	6,494
Premises and equipment expense	$215,000	6,583
Additional noninterest expense	$1,262,000	3,603
Pre-tax net operating income	$-242,000	8,553
Securities gains (losses)	$0	3,819
Applicable income taxes	$-4,000	8,541
Income before extraordinary items	$-238,000	8,602
Extraordinary gains, net	$0	34
Net income	$-238,000	8,603
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$545,000	1,252
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-238,000	8,567
2004-09-30 (YTD Data)		Rank
Total interest income	$2,179,000	6,525
Total interest expense	$483,000	6,787
Net interest income	$1,696,000	6,296
Provision for loan and lease losses	$185,000	3,119
Total noninterest income	$453,000	4,811
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$70,000	6,623
Trading account gains and fees	$0	134
Additional Noninterest Income	$383,000	3,272
Total noninterest expense	$1,481,000	6,003
Salaries and employee benefits	$607,000	6,872
Premises and equipment expense	$126,000	7,104
Additional noninterest expense	$748,000	4,300
Pre-tax net operating income	$483,000	6,396
Securities gains (losses)	$0	3,710
Applicable income taxes	$179,000	4,620
Income before extraordinary items	$304,000	6,868
Extraordinary gains, net	$0	26
Net income	$304,000	6,868
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$104,000	2,759
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$304,000	6,797
2004-06-30 (YTD Data)		Rank
Total interest income	$1,466,000	6,533
Total interest expense	$295,000	7,005
Net interest income	$1,171,000	6,226
Provision for loan and lease losses	$85,000	3,829
Total noninterest income	$231,000	5,482
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$46,000	6,661
Trading account gains and fees	$0	130
Additional Noninterest Income	$185,000	3,904
Total noninterest expense	$843,000	6,576
Salaries and employee benefits	$372,000	7,138
Premises and equipment expense	$88,000	7,035
Additional noninterest expense	$383,000	5,216
Pre-tax net operating income	$474,000	5,445
Securities gains (losses)	$0	3,413
Applicable income taxes	$170,000	4,043
Income before extraordinary items	$304,000	6,011
Extraordinary gains, net	$0	21
Net income	$304,000	6,012
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$58,000	2,856
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$304,000	5,928
2004-03-31 (YTD Data)		Rank
Total interest income	$701,000	6,707
Total interest expense	$146,000	7,091
Net interest income	$555,000	6,400
Provision for loan and lease losses	$35,000	3,916
Total noninterest income	$126,000	5,200
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$23,000	6,604
Trading account gains and fees	$0	121
Additional Noninterest Income	$103,000	3,651
Total noninterest expense	$467,000	6,274
Salaries and employee benefits	$196,000	7,040
Premises and equipment expense	$95,000	4,969
Additional noninterest expense	$176,000	5,500
Pre-tax net operating income	$179,000	6,077
Securities gains (losses)	$0	2,934
Applicable income taxes	$66,000	4,439
Income before extraordinary items	$113,000	6,645
Extraordinary gains, net	$0	16
Net income	$113,000	6,644
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$6,000	3,994
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$113,000	6,525
2003-12-31 (YTD Data)		Rank
Total interest income	$2,280,000	7,274
Total interest expense	$559,000	7,535
Net interest income	$1,721,000	7,028
Provision for loan and lease losses	$150,000	4,567
Total noninterest income	$408,000	5,924
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$103,000	6,512
Trading account gains and fees	$0	160
Additional Noninterest Income	$305,000	4,472
Total noninterest expense	$1,497,000	6,890
Salaries and employee benefits	$731,000	7,183
Premises and equipment expense	$197,000	6,815
Additional noninterest expense	$569,000	6,154
Pre-tax net operating income	$482,000	6,736
Securities gains (losses)	$0	4,500
Applicable income taxes	$188,000	5,007
Income before extraordinary items	$294,000	7,305
Extraordinary gains, net	$0	54
Net income	$294,000	7,307
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,416
Cash dividends	$34,000	6,050
Sale, conversion, retirement of capital stock, net	$1,000,000	414
Net operating income	$294,000	7,161
2003-09-30 (YTD Data)		Rank
Total interest income	$1,662,000	7,433
Total interest expense	$425,000	7,663
Net interest income	$1,237,000	7,179
Provision for loan and lease losses	$50,000	5,747
Total noninterest income	$241,000	6,500
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$80,000	6,507
Trading account gains and fees	$0	153
Additional Noninterest Income	$161,000	5,199
Total noninterest expense	$1,132,000	6,880
Salaries and employee benefits	$544,000	7,157
Premises and equipment expense	$143,000	6,912
Additional noninterest expense	$445,000	6,020
Pre-tax net operating income	$296,000	7,196
Securities gains (losses)	$0	4,204
Applicable income taxes	$73,000	5,891
Income before extraordinary items	$223,000	7,438
Extraordinary gains, net	$0	40
Net income	$223,000	7,441
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,967
Cash dividends	$34,000	5,246
Sale, conversion, retirement of capital stock, net	$1,000,000	304
Net operating income	$223,000	7,282
2003-06-30 (YTD Data)		Rank
Total interest income	$1,023,000	7,627
Total interest expense	$287,000	7,751
Net interest income	$736,000	7,480
Provision for loan and lease losses	$20,000	6,304
Total noninterest income	$148,000	6,675
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$57,000	6,385
Trading account gains and fees	$0	150
Additional Noninterest Income	$91,000	5,491
Total noninterest expense	$733,000	6,975
Salaries and employee benefits	$333,000	7,416
Premises and equipment expense	$91,000	7,004
Additional noninterest expense	$309,000	5,890
Pre-tax net operating income	$131,000	7,761
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$131,000	7,646
Extraordinary gains, net	$0	30
Net income	$131,000	7,649
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,535
Cash dividends	$35,000	4,909
Sale, conversion, retirement of capital stock, net	$1,000,000	202
Net operating income	$131,000	7,466
2003-03-31 (YTD Data)		Rank
Total interest income	$519,000	7,646
Total interest expense	$137,000	7,930
Net interest income	$382,000	7,400
Provision for loan and lease losses	$0	6,934
Total noninterest income	$56,000	7,155
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$29,000	6,311
Trading account gains and fees	$0	134
Additional Noninterest Income	$27,000	6,429
Total noninterest expense	$376,000	6,912
Salaries and employee benefits	$177,000	7,287
Premises and equipment expense	$44,000	7,119
Additional noninterest expense	$155,000	5,809
Pre-tax net operating income	$62,000	7,805
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$62,000	7,651
Extraordinary gains, net	$0	21
Net income	$62,000	7,651
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,539
Cash dividends	$17,000	3,772
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$62,000	7,501
2002-12-31 (YTD Data)		Rank
Total interest income	$1,997,000	7,852
Total interest expense	$615,000	8,045
Net interest income	$1,382,000	7,618
Provision for loan and lease losses	$269,000	3,704
Total noninterest income	$441,000	5,542
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$133,000	6,070
Trading account gains and fees	$0	153
Additional Noninterest Income	$308,000	4,202
Total noninterest expense	$1,529,000	6,782
Salaries and employee benefits	$666,000	7,423
Premises and equipment expense	$206,000	6,710
Additional noninterest expense	$657,000	5,620
Pre-tax net operating income	$25,000	8,556
Securities gains (losses)	$0	4,537
Applicable income taxes	$6,000	7,413
Income before extraordinary items	$19,000	8,673
Extraordinary gains, net	$0	70
Net income	$19,000	8,675
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$151,000	3,499
Cash dividends	$46,000	6,017
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$19,000	8,585
2001-12-31 (YTD Data)		Rank
Total interest income	$2,038,000	8,169
Total interest expense	$676,000	8,671
Net interest income	$1,362,000	7,574
Provision for loan and lease losses	$60,000	6,353
Total noninterest income	$287,000	6,531
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$105,000	6,491
Trading account gains and fees	$0	177
Additional Noninterest Income	$182,000	5,143
Total noninterest expense	$1,386,000	7,041
Salaries and employee benefits	$640,000	7,475
Premises and equipment expense	$187,000	6,973
Additional noninterest expense	$559,000	6,106
Pre-tax net operating income	$203,000	7,860
Securities gains (losses)	$0	4,612
Applicable income taxes	$50,000	6,706
Income before extraordinary items	$153,000	8,012
Extraordinary gains, net	$0	105
Net income	$153,000	8,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$32,000	5,750
Cash dividends	$16,000	6,469
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$153,000	7,898
2000-12-31 (YTD Data)		Rank
Total interest income	$2,034,000	8,374
Total interest expense	$653,000	8,945
Net interest income	$1,381,000	7,686
Provision for loan and lease losses	$106,000	5,184
Total noninterest income	$332,000	6,042
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$134,000	5,996
Trading account gains and fees	NA	NA
Additional Noninterest Income	$198,000	4,831
Total noninterest expense	$1,362,000	7,086
Salaries and employee benefits	$662,000	7,378
Premises and equipment expense	$183,000	7,030
Additional noninterest expense	$517,000	6,303
Pre-tax net operating income	$245,000	8,159
Securities gains (losses)	$0	1,956
Applicable income taxes	$76,000	6,846
Income before extraordinary items	$169,000	8,288
Extraordinary gains, net	$0	38
Net income	$169,000	8,287
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$82,000	3,920
Cash dividends	$16,000	6,718
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$169,000	8,297
1999-12-31 (YTD Data)		Rank
Total interest income	$1,619,000	8,915
Total interest expense	$575,000	9,271
Net interest income	$1,044,000	8,529
Provision for loan and lease losses	$27,000	7,365
Total noninterest income	$436,000	5,364
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$149,000	5,863
Trading account gains and fees	NA	NA
Additional Noninterest Income	$287,000	4,113
Total noninterest expense	$1,236,000	7,475
Salaries and employee benefits	$580,000	7,866
Premises and equipment expense	$170,000	7,325
Additional noninterest expense	$486,000	6,613
Pre-tax net operating income	$217,000	8,493
Securities gains (losses)	$0	3,155
Applicable income taxes	$66,000	7,402
Income before extraordinary items	$151,000	8,632
Extraordinary gains, net	$0	35
Net income	$151,000	8,631
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	4,940
Cash dividends	$44,000	6,689
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$151,000	8,590
1998-12-31 (YTD Data)		Rank
Total interest income	$1,705,000	9,052
Total interest expense	$553,000	9,582
Net interest income	$1,152,000	8,445
Provision for loan and lease losses	$52,000	6,526
Total noninterest income	$589,000	4,438
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$146,000	6,002
Trading account gains and fees	NA	NA
Additional Noninterest Income	$443,000	3,222
Total noninterest expense	$1,319,000	7,199
Salaries and employee benefits	$614,000	7,676
Premises and equipment expense	$212,000	6,540
Additional noninterest expense	$493,000	6,490
Pre-tax net operating income	$370,000	8,036
Securities gains (losses)	$0	4,449
Applicable income taxes	$134,000	7,060
Income before extraordinary items	$236,000	8,342
Extraordinary gains, net	$0	32
Net income	$236,000	8,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$24,000	6,077
Cash dividends	$72,000	6,616
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$236,000	8,266
1997-12-31 (YTD Data)		Rank
Total interest income	$1,555,000	9,605
Total interest expense	$512,000	10,077
Net interest income	$1,043,000	9,083
Provision for loan and lease losses	$108,000	5,007
Total noninterest income	$437,000	5,429
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$132,000	6,520
Trading account gains and fees	NA	NA
Additional Noninterest Income	$305,000	3,893
Total noninterest expense	$1,200,000	7,679
Salaries and employee benefits	$566,000	8,148
Premises and equipment expense	$182,000	7,166
Additional noninterest expense	$452,000	6,902
Pre-tax net operating income	$172,000	9,726
Securities gains (losses)	$0	3,944
Applicable income taxes	$50,000	9,253
Income before extraordinary items	$122,000	9,819
Extraordinary gains, net	$0	44
Net income	$122,000	9,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$99,000	3,853
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$15,000	938
Net operating income	$122,000	9,773
1996-12-31 (YTD Data)		Rank
Total interest income	$1,500,000	10,107
Total interest expense	$479,000	10,660
Net interest income	$1,021,000	9,502
Provision for loan and lease losses	$56,000	6,391
Total noninterest income	$509,000	5,092
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$142,000	6,615
Trading account gains and fees	NA	NA
Additional Noninterest Income	$367,000	3,581
Total noninterest expense	$1,127,000	8,238
Salaries and employee benefits	$573,000	8,301
Premises and equipment expense	$155,000	7,939
Additional noninterest expense	$399,000	7,885
Pre-tax net operating income	$347,000	8,824
Securities gains (losses)	$0	4,148
Applicable income taxes	$124,000	8,333
Income before extraordinary items	$223,000	9,083
Extraordinary gains, net	$0	53
Net income	$223,000	9,086
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,930
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$148,000	618
Net operating income	$223,000	9,020
1995-12-31 (YTD Data)		Rank
Total interest income	$1,270,000	10,881
Total interest expense	$354,000	11,468
Net interest income	$916,000	10,200
Provision for loan and lease losses	$11,000	8,279
Total noninterest income	$397,000	6,020
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$155,000	6,557
Trading account gains and fees	NA	NA
Additional Noninterest Income	$242,000	4,569
Total noninterest expense	$990,000	8,991
Salaries and employee benefits	$515,000	8,977
Premises and equipment expense	$109,000	9,346
Additional noninterest expense	$366,000	8,529
Pre-tax net operating income	$312,000	9,656
Securities gains (losses)	$0	3,831
Applicable income taxes	$106,000	9,057
Income before extraordinary items	$206,000	9,868
Extraordinary gains, net	$0	65
Net income	$206,000	9,873
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	8,657
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$206,000	9,839
1994-12-31 (YTD Data)		Rank
Total interest income	$986,000	11,730
Total interest expense	$235,000	12,247
Net interest income	$751,000	11,216
Provision for loan and lease losses	$41,000	6,560
Total noninterest income	$339,000	6,791
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$144,000	7,032
Trading account gains and fees	NA	NA
Additional Noninterest Income	$195,000	5,356
Total noninterest expense	$907,000	9,749
Salaries and employee benefits	$416,000	10,140
Premises and equipment expense	$104,000	9,897
Additional noninterest expense	$387,000	8,949
Pre-tax net operating income	$142,000	11,331
Securities gains (losses)	$0	3,600
Applicable income taxes	$38,000	10,742
Income before extraordinary items	$104,000	11,348
Extraordinary gains, net	$0	249
Net income	$104,000	11,354
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	7,184
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$104,000	11,385
1993-12-31 (YTD Data)		Rank
Total interest income	$809,000	12,656
Total interest expense	$223,000	12,925
Net interest income	$586,000	12,271
Provision for loan and lease losses	$44,000	7,799
Total noninterest income	$257,000	8,258
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$136,000	7,439
Trading account gains and fees	NA	NA
Additional Noninterest Income	$121,000	7,282
Total noninterest expense	$743,000	10,951
Salaries and employee benefits	$330,000	11,357
Premises and equipment expense	$78,000	11,231
Additional noninterest expense	$335,000	10,016
Pre-tax net operating income	$56,000	12,146
Securities gains (losses)	$0	7,477
Applicable income taxes	$0	12,141
Income before extraordinary items	$56,000	12,209
Extraordinary gains, net	$0	3,149
Net income	$56,000	12,233
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$26,000	7,294
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$111,000	868
Net operating income	$56,000	12,058
1992-12-31 (YTD Data)		Rank
Total interest income	$698,000	13,491
Total interest expense	$246,000	13,608
Net interest income	$452,000	13,231
Provision for loan and lease losses	$5,000	11,499
Total noninterest income	$221,000	9,009
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$142,000	7,335
Trading account gains and fees	NA	NA
Additional Noninterest Income	$79,000	8,899
Total noninterest expense	$607,000	12,019
Salaries and employee benefits	$281,000	12,237
Premises and equipment expense	$70,000	11,871
Additional noninterest expense	$256,000	11,456
Pre-tax net operating income	$61,000	12,344
Securities gains (losses)	$0	8,369
Applicable income taxes	$0	12,680
Income before extraordinary items	$61,000	12,463
Extraordinary gains, net	$0	1,422
Net income	$61,000	12,474
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$5,000	10,474
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$61,000	12,177

* 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.