Home > The Berea National Bank > Income and Expense
The Berea National Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,462,000 | 5,512 |
| Total interest expense | $1,319,000 | 5,587 |
| Net interest income | $3,143,000 | 5,365 |
| Provision for loan and lease losses | $655,000 | 1,521 |
| Total noninterest income | $1,037,000 | 3,466 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $548,000 | 2,857 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $489,000 | 3,411 |
| Total noninterest expense | $4,701,000 | 3,404 |
| Salaries and employee benefits | $2,165,000 | 3,894 |
| Premises and equipment expense | $611,000 | 3,603 |
| Additional noninterest expense | $1,925,000 | 2,577 |
| Pre-tax net operating income | $-1,176,000 | 8,674 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $-1,176,000 | 8,701 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-1,176,000 | 8,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,628 |
| Cash dividends | $75,000 | 5,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-1,176,000 | 8,683 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,220,000 | 5,594 |
| Total interest expense | $955,000 | 5,565 |
| Net interest income | $2,265,000 | 5,504 |
| Provision for loan and lease losses | $68,000 | 4,836 |
| Total noninterest income | $773,000 | 3,485 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $409,000 | 2,872 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $364,000 | 3,441 |
| Total noninterest expense | $2,816,000 | 4,029 |
| Salaries and employee benefits | $1,352,000 | 4,446 |
| Premises and equipment expense | $457,000 | 3,604 |
| Additional noninterest expense | $1,007,000 | 3,481 |
| Pre-tax net operating income | $154,000 | 7,818 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $154,000 | 7,693 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $154,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 2,555 |
| Cash dividends | $75,000 | 4,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $154,000 | 7,660 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,104,000 | 5,589 |
| Total interest expense | $607,000 | 5,535 |
| Net interest income | $1,497,000 | 5,505 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $503,000 | 3,503 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $268,000 | 2,860 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $235,000 | 3,473 |
| Total noninterest expense | $1,812,000 | 4,120 |
| Salaries and employee benefits | $902,000 | 4,412 |
| Premises and equipment expense | $310,000 | 3,524 |
| Additional noninterest expense | $600,000 | 3,801 |
| Pre-tax net operating income | $143,000 | 7,585 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $143,000 | 7,409 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $143,000 | 7,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,091 |
| Cash dividends | $75,000 | 4,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $143,000 | 7,364 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,018,000 | 5,681 |
| Total interest expense | $281,000 | 5,656 |
| Net interest income | $737,000 | 5,584 |
| Provision for loan and lease losses | $23,000 | 4,505 |
| Total noninterest income | $238,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $125,000 | 2,945 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $113,000 | 3,504 |
| Total noninterest expense | $921,000 | 4,084 |
| Salaries and employee benefits | $455,000 | 4,408 |
| Premises and equipment expense | $151,000 | 3,632 |
| Additional noninterest expense | $315,000 | 3,652 |
| Pre-tax net operating income | $31,000 | 8,132 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $31,000 | 8,075 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $31,000 | 8,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $25,000 | 3,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $31,000 | 8,047 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,157,000 | 5,438 |
| Total interest expense | $989,000 | 5,688 |
| Net interest income | $3,168,000 | 5,252 |
| Provision for loan and lease losses | $561,000 | 1,776 |
| Total noninterest income | $1,047,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $607,000 | 2,680 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $440,000 | 3,546 |
| Total noninterest expense | $3,470,000 | 4,207 |
| Salaries and employee benefits | $1,681,000 | 4,566 |
| Premises and equipment expense | $592,000 | 3,568 |
| Additional noninterest expense | $1,197,000 | 3,757 |
| Pre-tax net operating income | $184,000 | 7,833 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $184,000 | 7,728 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $184,000 | 7,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $424,000 | 1,533 |
| Cash dividends | $155,000 | 5,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $184,000 | 7,690 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,134,000 | 5,397 |
| Total interest expense | $744,000 | 5,651 |
| Net interest income | $2,390,000 | 5,211 |
| Provision for loan and lease losses | $369,000 | 1,905 |
| Total noninterest income | $798,000 | 3,414 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $461,000 | 2,671 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $337,000 | 3,511 |
| Total noninterest expense | $2,570,000 | 4,221 |
| Salaries and employee benefits | $1,235,000 | 4,590 |
| Premises and equipment expense | $448,000 | 3,555 |
| Additional noninterest expense | $887,000 | 3,768 |
| Pre-tax net operating income | $249,000 | 7,464 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $249,000 | 7,209 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $249,000 | 7,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,362 |
| Cash dividends | $135,000 | 4,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $249,000 | 7,146 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,122,000 | 5,363 |
| Total interest expense | $493,000 | 5,689 |
| Net interest income | $1,629,000 | 5,133 |
| Provision for loan and lease losses | $277,000 | 1,685 |
| Total noninterest income | $539,000 | 3,400 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $311,000 | 2,634 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $228,000 | 3,488 |
| Total noninterest expense | $1,683,000 | 4,297 |
| Salaries and employee benefits | $805,000 | 4,700 |
| Premises and equipment expense | $294,000 | 3,614 |
| Additional noninterest expense | $584,000 | 3,820 |
| Pre-tax net operating income | $208,000 | 7,121 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $208,000 | 6,816 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $208,000 | 6,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,189 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $208,000 | 6,731 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 5,366 |
| Total interest expense | $245,000 | 5,768 |
| Net interest income | $824,000 | 5,108 |
| Provision for loan and lease losses | $91,000 | 2,243 |
| Total noninterest income | $266,000 | 3,377 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $152,000 | 2,644 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $114,000 | 3,433 |
| Total noninterest expense | $870,000 | 4,199 |
| Salaries and employee benefits | $398,000 | 4,755 |
| Premises and equipment expense | $160,000 | 3,415 |
| Additional noninterest expense | $312,000 | 3,628 |
| Pre-tax net operating income | $129,000 | 6,738 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $129,000 | 6,356 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $129,000 | 6,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 735 |
| Cash dividends | $50,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $129,000 | 6,240 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,410,000 | 5,311 |
| Total interest expense | $1,213,000 | 5,536 |
| Net interest income | $3,197,000 | 5,101 |
| Provision for loan and lease losses | $519,000 | 2,106 |
| Total noninterest income | $1,147,000 | 3,400 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $681,000 | 2,418 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $466,000 | 3,700 |
| Total noninterest expense | $3,359,000 | 4,262 |
| Salaries and employee benefits | $1,645,000 | 4,546 |
| Premises and equipment expense | $562,000 | 3,700 |
| Additional noninterest expense | $1,152,000 | 3,842 |
| Pre-tax net operating income | $466,000 | 6,782 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $466,000 | 6,492 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $466,000 | 6,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $611,000 | 1,373 |
| Cash dividends | $220,000 | 4,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $466,000 | 6,335 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,336,000 | 5,348 |
| Total interest expense | $954,000 | 5,527 |
| Net interest income | $2,382,000 | 5,148 |
| Provision for loan and lease losses | $363,000 | 2,179 |
| Total noninterest income | $876,000 | 3,438 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $519,000 | 2,396 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $357,000 | 3,739 |
| Total noninterest expense | $2,597,000 | 4,130 |
| Salaries and employee benefits | $1,255,000 | 4,471 |
| Premises and equipment expense | $463,000 | 3,431 |
| Additional noninterest expense | $879,000 | 3,773 |
| Pre-tax net operating income | $298,000 | 7,190 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $298,000 | 6,959 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $298,000 | 6,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 1,157 |
| Cash dividends | $145,000 | 4,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $298,000 | 6,793 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,238,000 | 5,348 |
| Total interest expense | $660,000 | 5,527 |
| Net interest income | $1,578,000 | 5,170 |
| Provision for loan and lease losses | $121,000 | 3,440 |
| Total noninterest income | $583,000 | 3,415 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $353,000 | 2,325 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $230,000 | 3,777 |
| Total noninterest expense | $1,732,000 | 4,135 |
| Salaries and employee benefits | $859,000 | 4,398 |
| Premises and equipment expense | $301,000 | 3,474 |
| Additional noninterest expense | $572,000 | 3,843 |
| Pre-tax net operating income | $308,000 | 6,453 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $308,000 | 6,043 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $308,000 | 6,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $319,000 | 1,190 |
| Cash dividends | $145,000 | 3,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $308,000 | 5,844 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 5,355 |
| Total interest expense | $335,000 | 5,579 |
| Net interest income | $793,000 | 5,129 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $297,000 | 3,261 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $184,000 | 2,179 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $113,000 | 3,713 |
| Total noninterest expense | $891,000 | 4,021 |
| Salaries and employee benefits | $452,000 | 4,227 |
| Premises and equipment expense | $150,000 | 3,487 |
| Additional noninterest expense | $289,000 | 3,765 |
| Pre-tax net operating income | $154,000 | 6,413 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $154,000 | 5,945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $154,000 | 5,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 855 |
| Cash dividends | $65,000 | 3,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $154,000 | 5,756 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,932,000 | 5,226 |
| Total interest expense | $1,559,000 | 5,604 |
| Net interest income | $3,373,000 | 4,881 |
| Provision for loan and lease losses | $250,000 | 3,856 |
| Total noninterest income | $956,000 | 3,579 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $479,000 | 3,087 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $477,000 | 3,370 |
| Total noninterest expense | $3,616,000 | 3,854 |
| Salaries and employee benefits | $1,834,000 | 4,022 |
| Premises and equipment expense | $545,000 | 3,695 |
| Additional noninterest expense | $1,237,000 | 3,527 |
| Pre-tax net operating income | $463,000 | 6,910 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $463,000 | 6,559 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $463,000 | 6,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 3,359 |
| Cash dividends | $525,000 | 3,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $463,000 | 6,431 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,458,000 | 5,315 |
| Total interest expense | $2,420,000 | 5,490 |
| Net interest income | $3,038,000 | 5,021 |
| Provision for loan and lease losses | $174,000 | 4,487 |
| Total noninterest income | $854,000 | 3,685 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $433,000 | 3,189 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $421,000 | 3,436 |
| Total noninterest expense | $3,059,000 | 4,270 |
| Salaries and employee benefits | $1,648,000 | 4,211 |
| Premises and equipment expense | $445,000 | 4,267 |
| Additional noninterest expense | $966,000 | 4,183 |
| Pre-tax net operating income | $659,000 | 5,957 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $659,000 | 5,374 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $659,000 | 5,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,411 |
| Cash dividends | $650,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $659,000 | 5,246 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 5,472 |
| Total interest expense | $2,361,000 | 5,756 |
| Net interest income | $3,017,000 | 5,142 |
| Provision for loan and lease losses | $110,000 | 5,095 |
| Total noninterest income | $703,000 | 3,983 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $378,000 | 3,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $325,000 | 3,750 |
| Total noninterest expense | $2,850,000 | 4,411 |
| Salaries and employee benefits | $1,490,000 | 4,377 |
| Premises and equipment expense | $485,000 | 3,886 |
| Additional noninterest expense | $875,000 | 4,439 |
| Pre-tax net operating income | $760,000 | 6,004 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-135,000 | 9,625 |
| Income before extraordinary items | $895,000 | 4,700 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $895,000 | 4,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,307 |
| Cash dividends | $750,000 | 2,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $895,000 | 4,700 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,077,000 | 5,518 |
| Total interest expense | $2,195,000 | 5,656 |
| Net interest income | $2,882,000 | 5,316 |
| Provision for loan and lease losses | $277,000 | 2,848 |
| Total noninterest income | $718,000 | 3,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $336,000 | 3,765 |
| Total noninterest expense | $2,648,000 | 4,660 |
| Salaries and employee benefits | $1,423,000 | 4,531 |
| Premises and equipment expense | $457,000 | 4,069 |
| Additional noninterest expense | $768,000 | 4,934 |
| Pre-tax net operating income | $675,000 | 6,414 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $78,000 | 7,215 |
| Income before extraordinary items | $597,000 | 5,916 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $597,000 | 5,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,621 |
| Cash dividends | $550,000 | 3,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $597,000 | 5,892 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,289,000 | 5,457 |
| Total interest expense | $2,368,000 | 5,581 |
| Net interest income | $2,921,000 | 5,229 |
| Provision for loan and lease losses | $45,000 | 6,783 |
| Total noninterest income | $631,000 | 4,245 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 3,601 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $296,000 | 4,062 |
| Total noninterest expense | $2,483,000 | 4,799 |
| Salaries and employee benefits | $1,413,000 | 4,467 |
| Premises and equipment expense | $417,000 | 4,279 |
| Additional noninterest expense | $653,000 | 5,427 |
| Pre-tax net operating income | $1,024,000 | 5,343 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $252,000 | 5,629 |
| Income before extraordinary items | $772,000 | 5,302 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $772,000 | 5,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 9,983 |
| Cash dividends | $750,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $772,000 | 5,200 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,367,000 | 5,506 |
| Total interest expense | $2,411,000 | 5,543 |
| Net interest income | $2,956,000 | 5,361 |
| Provision for loan and lease losses | $160,000 | 3,978 |
| Total noninterest income | $542,000 | 4,730 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 4,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $248,000 | 4,384 |
| Total noninterest expense | $2,527,000 | 4,747 |
| Salaries and employee benefits | $1,386,000 | 4,549 |
| Premises and equipment expense | $474,000 | 3,884 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $811,000 | 6,500 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $149,000 | 7,627 |
| Income before extraordinary items | $662,000 | 6,059 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $662,000 | 6,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,153 |
| Cash dividends | $600,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $662,000 | 6,015 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,254,000 | 5,717 |
| Total interest expense | $2,345,000 | 5,765 |
| Net interest income | $2,909,000 | 5,570 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $417,000 | 5,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,592 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,966 |
| Total noninterest expense | $2,278,000 | 5,385 |
| Salaries and employee benefits | $1,310,000 | 4,824 |
| Premises and equipment expense | $385,000 | 4,676 |
| Additional noninterest expense | $583,000 | 6,459 |
| Pre-tax net operating income | $948,000 | 5,928 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $209,000 | 7,004 |
| Income before extraordinary items | $739,000 | 5,587 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $739,000 | 5,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,972 |
| Cash dividends | $575,000 | 3,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $739,000 | 5,533 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,104,000 | 5,899 |
| Total interest expense | $2,192,000 | 6,096 |
| Net interest income | $2,912,000 | 5,632 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $384,000 | 6,139 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 4,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 6,308 |
| Total noninterest expense | $2,193,000 | 5,579 |
| Salaries and employee benefits | $1,220,000 | 5,147 |
| Premises and equipment expense | $320,000 | 5,351 |
| Additional noninterest expense | $653,000 | 6,173 |
| Pre-tax net operating income | $1,103,000 | 5,588 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $261,000 | 6,497 |
| Income before extraordinary items | $842,000 | 5,249 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $842,000 | 5,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 7,103 |
| Cash dividends | $500,000 | 3,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $842,000 | 5,232 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,425,000 | 6,224 |
| Total interest expense | $1,563,000 | 6,702 |
| Net interest income | $2,862,000 | 5,805 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $357,000 | 6,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,976 |
| Total noninterest expense | $2,049,000 | 6,079 |
| Salaries and employee benefits | $1,153,000 | 5,445 |
| Premises and equipment expense | $257,000 | 6,405 |
| Additional noninterest expense | $639,000 | 6,744 |
| Pre-tax net operating income | $1,170,000 | 5,335 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $293,000 | 5,969 |
| Income before extraordinary items | $877,000 | 5,019 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $877,000 | 5,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $877,000 | 5,064 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,139,000 | 6,709 |
| Total interest expense | $1,496,000 | 7,213 |
| Net interest income | $2,643,000 | 6,267 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $331,000 | 7,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,475 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,749 |
| Total noninterest expense | $2,131,000 | 6,027 |
| Salaries and employee benefits | $1,172,000 | 5,337 |
| Premises and equipment expense | $296,000 | 5,922 |
| Additional noninterest expense | $663,000 | 6,838 |
| Pre-tax net operating income | $819,000 | 6,716 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $195,000 | 7,710 |
| Income before extraordinary items | $624,000 | 6,604 |
| Extraordinary gains, net | $-4,000 | 12,212 |
| Net income | $620,000 | 6,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 6,409 |
| Cash dividends | $400,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $624,000 | 6,361 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,503,000 | 6,896 |
| Total interest expense | $1,810,000 | 7,584 |
| Net interest income | $2,693,000 | 6,222 |
| Provision for loan and lease losses | $69,000 | 8,296 |
| Total noninterest income | $342,000 | 7,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,550 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 7,510 |
| Total noninterest expense | $1,968,000 | 6,465 |
| Salaries and employee benefits | $1,116,000 | 5,518 |
| Premises and equipment expense | $235,000 | 7,071 |
| Additional noninterest expense | $617,000 | 7,358 |
| Pre-tax net operating income | $998,000 | 5,623 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $247,000 | 6,708 |
| Income before extraordinary items | $751,000 | 5,625 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $751,000 | 5,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 7,255 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $751,000 | 5,288 |
* 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.