Home > The Commercial Bank > Income and Expense
The Commercial Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,191,000 | 2,785 |
| Total interest expense | $2,848,000 | 2,737 |
| Net interest income | $7,343,000 | 2,756 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $1,122,000 | 3,281 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $557,000 | 2,880 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $565,000 | 3,087 |
| Total noninterest expense | $7,258,000 | 2,196 |
| Salaries and employee benefits | $4,045,000 | 2,141 |
| Premises and equipment expense | $730,000 | 3,021 |
| Additional noninterest expense | $2,483,000 | 1,959 |
| Pre-tax net operating income | $1,147,000 | 4,902 |
| Securities gains (losses) | $12,000 | 2,733 |
| Applicable income taxes | $239,000 | 4,508 |
| Income before extraordinary items | $920,000 | 4,911 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $920,000 | 4,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,975 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $910,520 | 4,869 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,496,000 | 2,794 |
| Total interest expense | $2,150,000 | 2,692 |
| Net interest income | $5,346,000 | 2,812 |
| Provision for loan and lease losses | $60,000 | 5,125 |
| Total noninterest income | $846,000 | 3,291 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $412,000 | 2,942 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $434,000 | 3,053 |
| Total noninterest expense | $5,415,000 | 2,190 |
| Salaries and employee benefits | $2,834,000 | 2,285 |
| Premises and equipment expense | $556,000 | 2,965 |
| Additional noninterest expense | $2,025,000 | 1,777 |
| Pre-tax net operating income | $717,000 | 5,460 |
| Securities gains (losses) | $12,000 | 2,612 |
| Applicable income taxes | $130,000 | 5,038 |
| Income before extraordinary items | $599,000 | 5,366 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $599,000 | 5,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,770 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $589,160 | 5,321 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,053,000 | 2,762 |
| Total interest expense | $1,438,000 | 2,662 |
| Net interest income | $3,615,000 | 2,763 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $561,000 | 3,313 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $269,000 | 2,956 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $292,000 | 3,038 |
| Total noninterest expense | $3,224,000 | 2,467 |
| Salaries and employee benefits | $1,721,000 | 2,496 |
| Premises and equipment expense | $364,000 | 3,027 |
| Additional noninterest expense | $1,139,000 | 2,118 |
| Pre-tax net operating income | $892,000 | 3,824 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $214,000 | 3,643 |
| Income before extraordinary items | $693,000 | 3,867 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $693,000 | 3,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,818 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $681,600 | 3,827 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,518,000 | 2,771 |
| Total interest expense | $723,000 | 2,685 |
| Net interest income | $1,795,000 | 2,770 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $262,000 | 3,408 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $127,000 | 3,037 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $135,000 | 3,125 |
| Total noninterest expense | $1,638,000 | 2,442 |
| Salaries and employee benefits | $797,000 | 2,690 |
| Premises and equipment expense | $193,000 | 2,916 |
| Additional noninterest expense | $648,000 | 1,827 |
| Pre-tax net operating income | $359,000 | 4,359 |
| Securities gains (losses) | $15,000 | 1,841 |
| Applicable income taxes | $77,000 | 4,201 |
| Income before extraordinary items | $297,000 | 4,297 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $297,000 | 4,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,629 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $285,150 | 4,282 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,826,000 | 2,611 |
| Total interest expense | $3,540,000 | 2,479 |
| Net interest income | $7,286,000 | 2,652 |
| Provision for loan and lease losses | $4,180,000 | 366 |
| Total noninterest income | $1,635,000 | 2,654 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $535,000 | 2,946 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,100,000 | 2,250 |
| Total noninterest expense | $6,023,000 | 2,594 |
| Salaries and employee benefits | $3,150,000 | 2,670 |
| Premises and equipment expense | $731,000 | 2,976 |
| Additional noninterest expense | $2,142,000 | 2,254 |
| Pre-tax net operating income | $-1,282,000 | 9,018 |
| Securities gains (losses) | $8,000 | 3,717 |
| Applicable income taxes | $-631,000 | 9,106 |
| Income before extraordinary items | $-643,000 | 8,949 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-643,000 | 8,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,405,000 | 487 |
| Cash dividends | $265,000 | 4,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-648,120 | 8,900 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,225,000 | 2,626 |
| Total interest expense | $2,786,000 | 2,459 |
| Net interest income | $5,439,000 | 2,678 |
| Provision for loan and lease losses | $2,340,000 | 463 |
| Total noninterest income | $1,380,000 | 2,504 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $407,000 | 2,921 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $973,000 | 2,090 |
| Total noninterest expense | $4,487,000 | 2,618 |
| Salaries and employee benefits | $2,364,000 | 2,672 |
| Premises and equipment expense | $547,000 | 2,985 |
| Additional noninterest expense | $1,576,000 | 2,276 |
| Pre-tax net operating income | $-8,000 | 8,659 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-156,000 | 9,098 |
| Income before extraordinary items | $148,000 | 7,917 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $148,000 | 7,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,033,000 | 683 |
| Cash dividends | $265,000 | 3,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $148,000 | 7,766 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,646,000 | 2,584 |
| Total interest expense | $1,964,000 | 2,410 |
| Net interest income | $3,682,000 | 2,644 |
| Provision for loan and lease losses | $1,910,000 | 401 |
| Total noninterest income | $872,000 | 2,586 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $269,000 | 2,897 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $603,000 | 2,186 |
| Total noninterest expense | $3,062,000 | 2,550 |
| Salaries and employee benefits | $1,654,000 | 2,539 |
| Premises and equipment expense | $364,000 | 2,985 |
| Additional noninterest expense | $1,044,000 | 2,275 |
| Pre-tax net operating income | $-418,000 | 9,034 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-264,000 | 9,195 |
| Income before extraordinary items | $-154,000 | 8,969 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-154,000 | 8,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $784,000 | 604 |
| Cash dividends | $265,000 | 3,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-154,000 | 8,892 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,845,000 | 2,578 |
| Total interest expense | $1,051,000 | 2,316 |
| Net interest income | $1,794,000 | 2,693 |
| Provision for loan and lease losses | $1,730,000 | 266 |
| Total noninterest income | $410,000 | 2,622 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $128,000 | 2,943 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $282,000 | 2,197 |
| Total noninterest expense | $1,488,000 | 2,605 |
| Salaries and employee benefits | $815,000 | 2,573 |
| Premises and equipment expense | $189,000 | 2,896 |
| Additional noninterest expense | $484,000 | 2,401 |
| Pre-tax net operating income | $-1,014,000 | 9,264 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-394,000 | 9,280 |
| Income before extraordinary items | $-620,000 | 9,263 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-620,000 | 9,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 1,044 |
| Cash dividends | $265,000 | 1,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-620,000 | 9,225 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,023,000 | 2,358 |
| Total interest expense | $5,604,000 | 2,014 |
| Net interest income | $7,419,000 | 2,581 |
| Provision for loan and lease losses | $975,000 | 1,382 |
| Total noninterest income | $1,286,000 | 2,931 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $484,000 | 3,058 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $802,000 | 2,501 |
| Total noninterest expense | $5,871,000 | 2,512 |
| Salaries and employee benefits | $3,049,000 | 2,585 |
| Premises and equipment expense | $699,000 | 3,003 |
| Additional noninterest expense | $2,123,000 | 2,188 |
| Pre-tax net operating income | $1,859,000 | 3,591 |
| Securities gains (losses) | $8,000 | 3,732 |
| Applicable income taxes | $431,000 | 3,743 |
| Income before extraordinary items | $1,436,000 | 3,609 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,436,000 | 3,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $740,000 | 1,225 |
| Cash dividends | $1,113,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,429,840 | 3,520 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,436,000 | 2,088 |
| Total interest expense | $8,832,000 | 1,828 |
| Net interest income | $7,604,000 | 2,357 |
| Provision for loan and lease losses | $790,000 | 1,522 |
| Total noninterest income | $1,107,000 | 3,104 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $484,000 | 2,918 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $623,000 | 2,766 |
| Total noninterest expense | $5,591,000 | 2,528 |
| Salaries and employee benefits | $2,879,000 | 2,604 |
| Premises and equipment expense | $543,000 | 3,642 |
| Additional noninterest expense | $2,169,000 | 2,071 |
| Pre-tax net operating income | $2,330,000 | 2,816 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $597,000 | 2,980 |
| Income before extraordinary items | $1,733,000 | 2,884 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,733,000 | 2,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 2,209 |
| Cash dividends | $1,701,000 | 1,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,733,000 | 2,795 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,007,000 | 2,074 |
| Total interest expense | $8,987,000 | 1,918 |
| Net interest income | $8,020,000 | 2,220 |
| Provision for loan and lease losses | $420,000 | 2,181 |
| Total noninterest income | $600,000 | 4,408 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $422,000 | 3,110 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $178,000 | 5,064 |
| Total noninterest expense | $5,139,000 | 2,647 |
| Salaries and employee benefits | $2,837,000 | 2,514 |
| Premises and equipment expense | $459,000 | 4,064 |
| Additional noninterest expense | $1,843,000 | 2,332 |
| Pre-tax net operating income | $3,061,000 | 2,354 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $891,000 | 2,333 |
| Income before extraordinary items | $2,170,000 | 2,359 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,170,000 | 2,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $921,000 | 792 |
| Cash dividends | $1,512,000 | 1,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,170,000 | 2,368 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,318,000 | 2,128 |
| Total interest expense | $7,320,000 | 2,040 |
| Net interest income | $7,998,000 | 2,193 |
| Provision for loan and lease losses | $360,000 | 2,275 |
| Total noninterest income | $584,000 | 4,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $365,000 | 3,454 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $219,000 | 4,731 |
| Total noninterest expense | $5,027,000 | 2,683 |
| Salaries and employee benefits | $2,715,000 | 2,593 |
| Premises and equipment expense | $555,000 | 3,470 |
| Additional noninterest expense | $1,757,000 | 2,472 |
| Pre-tax net operating income | $3,195,000 | 2,276 |
| Securities gains (losses) | $53,000 | 962 |
| Applicable income taxes | $905,000 | 2,377 |
| Income before extraordinary items | $2,343,000 | 2,233 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,343,000 | 2,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 1,689 |
| Cash dividends | $1,440,000 | 1,745 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,304,840 | 2,243 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,538,000 | 2,241 |
| Total interest expense | $6,692,000 | 2,266 |
| Net interest income | $7,846,000 | 2,173 |
| Provision for loan and lease losses | $360,000 | 2,235 |
| Total noninterest income | $447,000 | 5,273 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $327,000 | 3,668 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $120,000 | 6,209 |
| Total noninterest expense | $4,573,000 | 2,832 |
| Salaries and employee benefits | $2,407,000 | 2,827 |
| Premises and equipment expense | $497,000 | 3,723 |
| Additional noninterest expense | $1,669,000 | 2,495 |
| Pre-tax net operating income | $3,360,000 | 2,145 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $946,000 | 2,409 |
| Income before extraordinary items | $2,414,000 | 2,159 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,414,000 | 2,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 2,446 |
| Cash dividends | $9,038,000 | 411 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,414,000 | 2,096 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,355,000 | 2,274 |
| Total interest expense | $7,021,000 | 2,143 |
| Net interest income | $7,334,000 | 2,379 |
| Provision for loan and lease losses | $1,778,000 | 653 |
| Total noninterest income | $376,000 | 5,935 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $268,000 | 4,427 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $108,000 | 6,568 |
| Total noninterest expense | $4,452,000 | 2,859 |
| Salaries and employee benefits | $2,247,000 | 2,949 |
| Premises and equipment expense | $525,000 | 3,551 |
| Additional noninterest expense | $1,680,000 | 2,458 |
| Pre-tax net operating income | $1,480,000 | 4,541 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $268,000 | 6,058 |
| Income before extraordinary items | $1,225,000 | 3,983 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,225,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,127,000 | 490 |
| Cash dividends | $808,000 | 2,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,214,340 | 3,941 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,583,000 | 2,457 |
| Total interest expense | $6,699,000 | 2,301 |
| Net interest income | $6,884,000 | 2,564 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $326,000 | 6,651 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $210,000 | 5,392 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $116,000 | 6,703 |
| Total noninterest expense | $4,014,000 | 3,336 |
| Salaries and employee benefits | $2,054,000 | 3,257 |
| Premises and equipment expense | $473,000 | 3,949 |
| Additional noninterest expense | $1,487,000 | 3,148 |
| Pre-tax net operating income | $3,016,000 | 2,363 |
| Securities gains (losses) | $44,000 | 1,419 |
| Applicable income taxes | $832,000 | 2,751 |
| Income before extraordinary items | $2,228,000 | 2,215 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,228,000 | 2,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,581 |
| Cash dividends | $713,000 | 2,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,195,880 | 2,194 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,966,000 | 2,573 |
| Total interest expense | $6,183,000 | 2,491 |
| Net interest income | $6,783,000 | 2,630 |
| Provision for loan and lease losses | $255,000 | 2,517 |
| Total noninterest income | $312,000 | 6,946 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $185,000 | 5,967 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $127,000 | 6,480 |
| Total noninterest expense | $3,782,000 | 3,495 |
| Salaries and employee benefits | $1,833,000 | 3,587 |
| Premises and equipment expense | $415,000 | 4,383 |
| Additional noninterest expense | $1,534,000 | 3,032 |
| Pre-tax net operating income | $3,058,000 | 2,393 |
| Securities gains (losses) | $-15,000 | 10,368 |
| Applicable income taxes | $877,000 | 2,669 |
| Income before extraordinary items | $2,166,000 | 2,334 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,166,000 | 2,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,175 |
| Cash dividends | $665,000 | 2,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,176,650 | 2,297 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,825,000 | 2,810 |
| Total interest expense | $4,671,000 | 2,626 |
| Net interest income | $6,154,000 | 2,934 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $260,000 | 7,806 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $156,000 | 6,747 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $104,000 | 7,391 |
| Total noninterest expense | $3,634,000 | 3,727 |
| Salaries and employee benefits | $1,693,000 | 3,839 |
| Premises and equipment expense | $434,000 | 4,292 |
| Additional noninterest expense | $1,507,000 | 3,275 |
| Pre-tax net operating income | $2,660,000 | 2,670 |
| Securities gains (losses) | $11,000 | 2,158 |
| Applicable income taxes | $716,000 | 3,041 |
| Income before extraordinary items | $1,955,000 | 2,483 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,955,000 | 2,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,578 |
| Cash dividends | $594,000 | 2,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,946,970 | 2,511 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,490,000 | 2,959 |
| Total interest expense | $4,796,000 | 2,683 |
| Net interest income | $5,694,000 | 3,181 |
| Provision for loan and lease losses | $185,000 | 4,083 |
| Total noninterest income | $246,000 | 8,423 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $139,000 | 7,368 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $107,000 | 7,658 |
| Total noninterest expense | $3,273,000 | 4,170 |
| Salaries and employee benefits | $1,552,000 | 4,151 |
| Premises and equipment expense | $333,000 | 5,419 |
| Additional noninterest expense | $1,388,000 | 3,734 |
| Pre-tax net operating income | $2,482,000 | 2,720 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $658,000 | 3,310 |
| Income before extraordinary items | $1,824,000 | 2,739 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,824,000 | 2,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,785 |
| Cash dividends | $570,000 | 2,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,824,000 | 2,581 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,142,000 | 3,153 |
| Total interest expense | $5,518,000 | 3,015 |
| Net interest income | $5,624,000 | 3,252 |
| Provision for loan and lease losses | $300,000 | 4,111 |
| Total noninterest income | $232,000 | 8,817 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $131,000 | 7,657 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $101,000 | 8,026 |
| Total noninterest expense | $3,048,000 | 4,463 |
| Salaries and employee benefits | $1,431,000 | 4,408 |
| Premises and equipment expense | $296,000 | 6,033 |
| Additional noninterest expense | $1,321,000 | 3,987 |
| Pre-tax net operating income | $2,508,000 | 2,482 |
| Securities gains (losses) | $28,000 | 5,098 |
| Applicable income taxes | $644,000 | 3,238 |
| Income before extraordinary items | $1,892,000 | 2,420 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,892,000 | 2,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 7,355 |
| Cash dividends | $546,000 | 2,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,871,000 | 2,276 |
* 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.