Home > The Bank of Heath Springs > Income and Expense
The Bank of Heath Springs, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $225,000 | 8,473 |
| Total interest expense | $25,000 | 8,654 |
| Net interest income | $200,000 | 8,254 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $12,000 | 8,372 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $10,000 | 7,160 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,382 |
| Total noninterest expense | $94,000 | 8,663 |
| Salaries and employee benefits | $65,000 | 8,555 |
| Premises and equipment expense | $11,000 | 8,487 |
| Additional noninterest expense | $18,000 | 8,721 |
| Pre-tax net operating income | $118,000 | 6,823 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $113,000 | 6,517 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 6,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $113,000 | 6,515 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $897,000 | 8,420 |
| Total interest expense | $90,000 | 8,637 |
| Net interest income | $807,000 | 8,206 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $22,000 | 8,591 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $19,000 | 7,488 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,000 | 8,603 |
| Total noninterest expense | $523,000 | 8,533 |
| Salaries and employee benefits | $333,000 | 8,400 |
| Premises and equipment expense | $51,000 | 8,453 |
| Additional noninterest expense | $139,000 | 8,544 |
| Pre-tax net operating income | $306,000 | 7,358 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $13,000 | 6,454 |
| Income before extraordinary items | $293,000 | 7,209 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $293,000 | 7,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,118 |
| Cash dividends | $140,000 | 5,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $293,000 | 7,191 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $664,000 | 8,459 |
| Total interest expense | $65,000 | 8,693 |
| Net interest income | $599,000 | 8,263 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $15,000 | 8,663 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,540 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000 | 8,692 |
| Total noninterest expense | $333,000 | 8,626 |
| Salaries and employee benefits | $229,000 | 8,463 |
| Premises and equipment expense | $38,000 | 8,464 |
| Additional noninterest expense | $66,000 | 8,736 |
| Pre-tax net operating income | $281,000 | 7,277 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $12,000 | 6,473 |
| Income before extraordinary items | $269,000 | 7,072 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $269,000 | 7,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $140,000 | 4,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $269,000 | 7,042 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $424,000 | 8,497 |
| Total interest expense | $44,000 | 8,696 |
| Net interest income | $380,000 | 8,342 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $12,000 | 8,636 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $11,000 | 7,506 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,000 | 8,662 |
| Total noninterest expense | $220,000 | 8,637 |
| Salaries and employee benefits | $164,000 | 8,419 |
| Premises and equipment expense | $26,000 | 8,447 |
| Additional noninterest expense | $30,000 | 8,814 |
| Pre-tax net operating income | $172,000 | 7,395 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $7,000 | 6,523 |
| Income before extraordinary items | $165,000 | 7,213 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $165,000 | 7,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $140,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $165,000 | 7,174 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $205,000 | 8,593 |
| Total interest expense | $22,000 | 8,759 |
| Net interest income | $183,000 | 8,453 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $6,000 | 8,706 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $6,000 | 7,541 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $98,000 | 8,753 |
| Salaries and employee benefits | $65,000 | 8,654 |
| Premises and equipment expense | $16,000 | 8,389 |
| Additional noninterest expense | $17,000 | 8,855 |
| Pre-tax net operating income | $91,000 | 7,352 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $4,000 | 6,466 |
| Income before extraordinary items | $87,000 | 7,108 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $87,000 | 7,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $140,000 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $87,000 | 7,079 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $709,000 | 8,640 |
| Total interest expense | $82,000 | 8,770 |
| Net interest income | $627,000 | 8,521 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $41,000 | 8,641 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $33,000 | 7,519 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $8,000 | 8,601 |
| Total noninterest expense | $537,000 | 8,626 |
| Salaries and employee benefits | $331,000 | 8,520 |
| Premises and equipment expense | $80,000 | 8,210 |
| Additional noninterest expense | $126,000 | 8,703 |
| Pre-tax net operating income | $131,000 | 8,019 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $6,000 | 6,889 |
| Income before extraordinary items | $125,000 | 7,995 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $125,000 | 7,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $16,000 | 6,063 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $125,000 | 7,949 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $530,000 | 8,692 |
| Total interest expense | $61,000 | 8,827 |
| Net interest income | $469,000 | 8,565 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $28,000 | 8,718 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $24,000 | 7,583 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,732 |
| Total noninterest expense | $375,000 | 8,685 |
| Salaries and employee benefits | $196,000 | 8,723 |
| Premises and equipment expense | $70,000 | 8,048 |
| Additional noninterest expense | $109,000 | 8,627 |
| Pre-tax net operating income | $122,000 | 8,033 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $5,000 | 6,948 |
| Income before extraordinary items | $117,000 | 7,979 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $117,000 | 7,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $16,000 | 5,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $117,000 | 7,928 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $350,000 | 8,750 |
| Total interest expense | $41,000 | 8,893 |
| Net interest income | $309,000 | 8,624 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $18,000 | 8,782 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $15,000 | 7,653 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $261,000 | 8,713 |
| Salaries and employee benefits | $132,000 | 8,774 |
| Premises and equipment expense | $53,000 | 7,915 |
| Additional noninterest expense | $76,000 | 8,639 |
| Pre-tax net operating income | $66,000 | 8,148 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $3,000 | 6,985 |
| Income before extraordinary items | $63,000 | 8,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 8,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $16,000 | 4,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $63,000 | 8,075 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $176,000 | 8,784 |
| Total interest expense | $21,000 | 8,938 |
| Net interest income | $155,000 | 8,670 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $9,000 | 8,820 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $163,000 | 8,516 |
| Salaries and employee benefits | $65,000 | 8,824 |
| Premises and equipment expense | $34,000 | 7,562 |
| Additional noninterest expense | $64,000 | 8,039 |
| Pre-tax net operating income | $1,000 | 8,530 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $1,000 | 8,573 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,000 | 8,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $16,000 | 3,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,000 | 8,518 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $655,000 | 8,858 |
| Total interest expense | $92,000 | 8,976 |
| Net interest income | $563,000 | 8,743 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $44,000 | 8,841 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $33,000 | 7,674 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $11,000 | 8,737 |
| Total noninterest expense | $517,000 | 8,813 |
| Salaries and employee benefits | $351,000 | 8,584 |
| Premises and equipment expense | $45,000 | 8,843 |
| Additional noninterest expense | $121,000 | 8,914 |
| Pre-tax net operating income | $90,000 | 8,238 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $4,000 | 7,246 |
| Income before extraordinary items | $86,000 | 8,296 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $86,000 | 8,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $52,000 | 5,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $86,000 | 8,186 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $475,000 | 8,962 |
| Total interest expense | $70,000 | 9,068 |
| Net interest income | $405,000 | 8,846 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $32,000 | 8,929 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $25,000 | 7,738 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 8,842 |
| Total noninterest expense | $362,000 | 8,892 |
| Salaries and employee benefits | $235,000 | 8,727 |
| Premises and equipment expense | $32,000 | 8,898 |
| Additional noninterest expense | $95,000 | 8,926 |
| Pre-tax net operating income | $75,000 | 8,346 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $3,000 | 7,331 |
| Income before extraordinary items | $72,000 | 8,406 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $72,000 | 8,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $52,000 | 5,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $72,000 | 8,289 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $318,000 | 9,001 |
| Total interest expense | $48,000 | 9,103 |
| Net interest income | $270,000 | 8,884 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $22,000 | 8,940 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $18,000 | 7,723 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,000 | 8,891 |
| Total noninterest expense | $237,000 | 8,929 |
| Salaries and employee benefits | $171,000 | 8,652 |
| Premises and equipment expense | $19,000 | 8,962 |
| Additional noninterest expense | $47,000 | 9,090 |
| Pre-tax net operating income | $55,000 | 8,339 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $53,000 | 8,396 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $53,000 | 8,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $53,000 | 4,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $53,000 | 8,267 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $159,000 | 9,056 |
| Total interest expense | $25,000 | 9,147 |
| Net interest income | $134,000 | 8,933 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $10,000 | 8,992 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $8,000 | 7,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $111,000 | 9,018 |
| Salaries and employee benefits | $63,000 | 8,994 |
| Premises and equipment expense | $13,000 | 8,800 |
| Additional noninterest expense | $35,000 | 8,913 |
| Pre-tax net operating income | $33,000 | 8,267 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $31,000 | 8,259 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $31,000 | 8,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $53,000 | 3,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $31,000 | 8,128 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $818,000 | 8,987 |
| Total interest expense | $167,000 | 9,107 |
| Net interest income | $651,000 | 8,814 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $49,000 | 8,967 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $36,000 | 7,759 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,786 |
| Total noninterest expense | $646,000 | 8,662 |
| Salaries and employee benefits | $511,000 | 8,102 |
| Premises and equipment expense | $47,000 | 8,947 |
| Additional noninterest expense | $88,000 | 9,208 |
| Pre-tax net operating income | $54,000 | 8,458 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $52,000 | 8,542 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $52,000 | 8,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $112,000 | 5,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $52,000 | 8,460 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 9,084 |
| Total interest expense | $333,000 | 9,250 |
| Net interest income | $757,000 | 8,757 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $31,000 | 9,347 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $22,000 | 8,096 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $9,000 | 9,168 |
| Total noninterest expense | $762,000 | 8,539 |
| Salaries and employee benefits | $599,000 | 7,675 |
| Premises and equipment expense | $61,000 | 8,954 |
| Additional noninterest expense | $102,000 | 9,370 |
| Pre-tax net operating income | $26,000 | 8,628 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,000 | 7,858 |
| Income before extraordinary items | $25,000 | 8,708 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $25,000 | 8,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $252,000 | 4,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $25,000 | 8,619 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,318,000 | 9,127 |
| Total interest expense | $343,000 | 9,497 |
| Net interest income | $975,000 | 8,539 |
| Provision for loan and lease losses | $21,000 | 7,573 |
| Total noninterest income | $34,000 | 9,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 8,200 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,421 |
| Total noninterest expense | $708,000 | 8,801 |
| Salaries and employee benefits | $554,000 | 7,948 |
| Premises and equipment expense | $75,000 | 8,889 |
| Additional noninterest expense | $79,000 | 9,748 |
| Pre-tax net operating income | $280,000 | 7,989 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $13,000 | 7,999 |
| Income before extraordinary items | $267,000 | 7,675 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $267,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,101 |
| Cash dividends | $209,000 | 5,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $267,000 | 7,674 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,102,000 | 9,516 |
| Total interest expense | $322,000 | 9,772 |
| Net interest income | $780,000 | 9,103 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $33,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $526,000 | 9,550 |
| Salaries and employee benefits | $404,000 | 8,863 |
| Premises and equipment expense | $47,000 | 9,694 |
| Additional noninterest expense | $75,000 | 10,074 |
| Pre-tax net operating income | $287,000 | 8,166 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $14,000 | 8,380 |
| Income before extraordinary items | $273,000 | 7,770 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $273,000 | 7,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,271 |
| Cash dividends | $138,000 | 5,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $273,000 | 7,748 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,187,000 | 9,671 |
| Total interest expense | $341,000 | 9,996 |
| Net interest income | $846,000 | 9,140 |
| Provision for loan and lease losses | $18,000 | 7,833 |
| Total noninterest income | $25,000 | 10,159 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 8,696 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,240 |
| Total noninterest expense | $651,000 | 9,260 |
| Salaries and employee benefits | $425,000 | 8,812 |
| Premises and equipment expense | $53,000 | 9,747 |
| Additional noninterest expense | $173,000 | 9,421 |
| Pre-tax net operating income | $202,000 | 8,898 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $10,000 | 9,075 |
| Income before extraordinary items | $192,000 | 8,674 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $192,000 | 8,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,450 |
| Cash dividends | $223,000 | 5,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $192,000 | 8,602 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,183,000 | 10,090 |
| Total interest expense | $332,000 | 10,458 |
| Net interest income | $851,000 | 9,538 |
| Provision for loan and lease losses | $14,000 | 8,198 |
| Total noninterest income | $19,000 | 10,698 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 9,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 10,800 |
| Total noninterest expense | $511,000 | 10,087 |
| Salaries and employee benefits | $409,000 | 9,201 |
| Premises and equipment expense | $36,000 | 10,506 |
| Additional noninterest expense | $66,000 | 10,768 |
| Pre-tax net operating income | $345,000 | 8,754 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-33,000 | 10,589 |
| Income before extraordinary items | $378,000 | 7,793 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $378,000 | 7,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,932 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $378,000 | 7,738 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,140,000 | 10,606 |
| Total interest expense | $356,000 | 10,973 |
| Net interest income | $784,000 | 10,145 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $29,000 | 11,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 9,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,919 |
| Total noninterest expense | $458,000 | 10,761 |
| Salaries and employee benefits | $341,000 | 10,030 |
| Premises and equipment expense | $48,000 | 10,693 |
| Additional noninterest expense | $69,000 | 11,307 |
| Pre-tax net operating income | $355,000 | 8,778 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $73,000 | 9,284 |
| Income before extraordinary items | $282,000 | 8,572 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $282,000 | 8,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $282,000 | 8,508 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,081,000 | 11,145 |
| Total interest expense | $280,000 | 11,616 |
| Net interest income | $801,000 | 10,531 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $22,000 | 11,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,976 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 11,898 |
| Total noninterest expense | $468,000 | 11,154 |
| Salaries and employee benefits | $327,000 | 10,523 |
| Premises and equipment expense | $66,000 | 10,593 |
| Additional noninterest expense | $75,000 | 11,789 |
| Pre-tax net operating income | $355,000 | 9,357 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $74,000 | 9,703 |
| Income before extraordinary items | $281,000 | 9,128 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $281,000 | 9,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $281,000 | 9,101 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,035,000 | 11,648 |
| Total interest expense | $238,000 | 12,240 |
| Net interest income | $797,000 | 11,069 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $16,000 | 12,418 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 10,642 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 12,518 |
| Total noninterest expense | $417,000 | 11,964 |
| Salaries and employee benefits | $293,000 | 11,269 |
| Premises and equipment expense | $47,000 | 11,731 |
| Additional noninterest expense | $77,000 | 12,450 |
| Pre-tax net operating income | $396,000 | 9,412 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $83,000 | 9,725 |
| Income before extraordinary items | $313,000 | 9,003 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $313,000 | 9,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $313,000 | 9,075 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,010,000 | 12,269 |
| Total interest expense | $256,000 | 12,822 |
| Net interest income | $754,000 | 11,685 |
| Provision for loan and lease losses | $22,000 | 8,943 |
| Total noninterest income | $20,000 | 13,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 11,051 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 13,164 |
| Total noninterest expense | $445,000 | 12,436 |
| Salaries and employee benefits | $298,000 | 11,665 |
| Premises and equipment expense | $55,000 | 12,039 |
| Additional noninterest expense | $92,000 | 13,010 |
| Pre-tax net operating income | $307,000 | 10,181 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $64,000 | 10,621 |
| Income before extraordinary items | $243,000 | 10,129 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $243,000 | 10,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $243,000 | 9,876 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $984,000 | 13,049 |
| Total interest expense | $329,000 | 13,407 |
| Net interest income | $655,000 | 12,493 |
| Provision for loan and lease losses | $20,000 | 10,574 |
| Total noninterest income | $16,000 | 13,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,000 | 13,804 |
| Total noninterest expense | $382,000 | 13,254 |
| Salaries and employee benefits | $269,000 | 12,371 |
| Premises and equipment expense | $42,000 | 12,992 |
| Additional noninterest expense | $71,000 | 13,742 |
| Pre-tax net operating income | $269,000 | 10,433 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $49,000 | 11,284 |
| Income before extraordinary items | $224,000 | 10,262 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $224,000 | 10,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 9,104 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $220,720 | 9,974 |
* 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.