Home > The Farmers State Bank of Corning > Income and Expense
The Farmers State Bank of Corning, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $284,000 | 8,725 |
| Total interest expense | $52,000 | 8,691 |
| Net interest income | $232,000 | 8,714 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $27,000 | 8,566 |
| 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 | $8,000 | 8,464 |
| Total noninterest expense | $144,000 | 8,806 |
| Salaries and employee benefits | $84,000 | 8,793 |
| Premises and equipment expense | $19,000 | 8,734 |
| Additional noninterest expense | $41,000 | 8,803 |
| Pre-tax net operating income | $115,000 | 7,948 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $35,000 | 6,062 |
| Income before extraordinary items | $80,000 | 8,033 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $80,000 | 8,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $75,000 | 5,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $80,000 | 8,006 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $186,000 | 8,772 |
| Total interest expense | $33,000 | 8,740 |
| Net interest income | $153,000 | 8,769 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $19,000 | 8,632 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,000 | 8,503 |
| Total noninterest expense | $89,000 | 8,838 |
| Salaries and employee benefits | $50,000 | 8,824 |
| Premises and equipment expense | $13,000 | 8,752 |
| Additional noninterest expense | $26,000 | 8,834 |
| Pre-tax net operating income | $83,000 | 8,083 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $51,000 | 5,776 |
| Income before extraordinary items | $32,000 | 8,258 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $32,000 | 8,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $75,000 | 4,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $32,000 | 8,224 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $91,000 | 8,821 |
| Total interest expense | $16,000 | 8,771 |
| Net interest income | $75,000 | 8,815 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $9,000 | 8,680 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $7,000 | 7,607 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,000 | 8,611 |
| Total noninterest expense | $43,000 | 8,849 |
| Salaries and employee benefits | $25,000 | 8,835 |
| Premises and equipment expense | $3,000 | 8,813 |
| Additional noninterest expense | $15,000 | 8,844 |
| Pre-tax net operating income | $41,000 | 8,175 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $40,000 | 5,690 |
| Income before extraordinary items | $1,000 | 8,369 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,000 | 8,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $25,000 | 4,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,000 | 8,338 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $85,000 | 8,850 |
| Total interest expense | $16,000 | 8,804 |
| Net interest income | $69,000 | 8,837 |
| Provision for loan and lease losses | $-17,000 | 8,744 |
| Total noninterest income | $12,000 | 8,547 |
| 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 | $6,000 | 8,110 |
| Total noninterest expense | $42,000 | 8,904 |
| Salaries and employee benefits | $25,000 | 8,886 |
| Premises and equipment expense | $6,000 | 8,777 |
| Additional noninterest expense | $11,000 | 8,900 |
| Pre-tax net operating income | $56,000 | 7,814 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-10,000 | 8,703 |
| Income before extraordinary items | $66,000 | 7,497 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $66,000 | 7,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $25,000 | 3,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $66,000 | 7,471 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $357,000 | 8,834 |
| Total interest expense | $76,000 | 8,787 |
| Net interest income | $281,000 | 8,828 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $32,000 | 8,706 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $23,000 | 7,628 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $9,000 | 8,564 |
| Total noninterest expense | $173,000 | 8,934 |
| Salaries and employee benefits | $104,000 | 8,916 |
| Premises and equipment expense | $18,000 | 8,879 |
| Additional noninterest expense | $51,000 | 8,929 |
| Pre-tax net operating income | $140,000 | 7,981 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $48,000 | 6,061 |
| Income before extraordinary items | $92,000 | 8,127 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $92,000 | 8,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,978 |
| Cash dividends | $100,000 | 5,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $92,000 | 8,084 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $264,000 | 8,890 |
| Total interest expense | $58,000 | 8,836 |
| Net interest income | $206,000 | 8,884 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $24,000 | 8,763 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $17,000 | 7,679 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,603 |
| Total noninterest expense | $119,000 | 8,991 |
| Salaries and employee benefits | $73,000 | 8,971 |
| Premises and equipment expense | $14,000 | 8,918 |
| Additional noninterest expense | $32,000 | 8,988 |
| Pre-tax net operating income | $111,000 | 8,073 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $38,000 | 6,142 |
| Income before extraordinary items | $73,000 | 8,213 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $73,000 | 8,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,697 |
| Cash dividends | $75,000 | 4,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $73,000 | 8,168 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $174,000 | 8,951 |
| Total interest expense | $39,000 | 8,899 |
| Net interest income | $135,000 | 8,944 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $15,000 | 8,838 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $11,000 | 7,732 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,000 | 8,694 |
| Total noninterest expense | $80,000 | 9,049 |
| Salaries and employee benefits | $49,000 | 9,026 |
| Premises and equipment expense | $9,000 | 8,969 |
| Additional noninterest expense | $22,000 | 9,045 |
| Pre-tax net operating income | $70,000 | 8,120 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $24,000 | 6,179 |
| Income before extraordinary items | $46,000 | 8,263 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $46,000 | 8,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $50,000 | 4,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $46,000 | 8,200 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $87,000 | 9,002 |
| Total interest expense | $20,000 | 8,944 |
| Net interest income | $67,000 | 8,999 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $7,000 | 8,881 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $5,000 | 7,776 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $39,000 | 9,088 |
| Salaries and employee benefits | $24,000 | 9,069 |
| Premises and equipment expense | $2,000 | 9,056 |
| Additional noninterest expense | $13,000 | 9,068 |
| Pre-tax net operating income | $35,000 | 8,111 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $23,000 | 8,272 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $23,000 | 8,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $25,000 | 3,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $23,000 | 8,203 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $376,000 | 9,012 |
| Total interest expense | $94,000 | 8,967 |
| Net interest income | $282,000 | 9,002 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $29,000 | 8,949 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $17,000 | 7,866 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $12,000 | 8,712 |
| Total noninterest expense | $168,000 | 9,144 |
| Salaries and employee benefits | $102,000 | 9,119 |
| Premises and equipment expense | $18,000 | 9,082 |
| Additional noninterest expense | $48,000 | 9,133 |
| Pre-tax net operating income | $143,000 | 8,037 |
| Securities gains (losses) | $9,000 | 3,670 |
| Applicable income taxes | $52,000 | 6,244 |
| Income before extraordinary items | $100,000 | 8,219 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $100,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $65,000 | 5,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $94,060 | 8,137 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $282,000 | 9,095 |
| Total interest expense | $73,000 | 9,052 |
| Net interest income | $209,000 | 9,085 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $22,000 | 9,021 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $13,000 | 7,924 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $111,000 | 9,209 |
| Salaries and employee benefits | $70,000 | 9,181 |
| Premises and equipment expense | $12,000 | 9,145 |
| Additional noninterest expense | $29,000 | 9,201 |
| Pre-tax net operating income | $120,000 | 8,130 |
| Securities gains (losses) | $9,000 | 3,379 |
| Applicable income taxes | $44,000 | 6,324 |
| Income before extraordinary items | $85,000 | 8,321 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $85,000 | 8,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $55,000 | 5,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $79,060 | 8,238 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $189,000 | 9,137 |
| Total interest expense | $50,000 | 9,097 |
| Net interest income | $139,000 | 9,129 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $15,000 | 9,049 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $9,000 | 7,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,000 | 8,732 |
| Total noninterest expense | $75,000 | 9,239 |
| Salaries and employee benefits | $47,000 | 9,213 |
| Premises and equipment expense | $8,000 | 9,168 |
| Additional noninterest expense | $20,000 | 9,225 |
| Pre-tax net operating income | $79,000 | 8,170 |
| Securities gains (losses) | $9,000 | 2,996 |
| Applicable income taxes | $30,000 | 6,338 |
| Income before extraordinary items | $58,000 | 8,350 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $58,000 | 8,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $40,000 | 4,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $52,060 | 8,278 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $94,000 | 9,182 |
| Total interest expense | $25,000 | 9,147 |
| Net interest income | $69,000 | 9,179 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $7,000 | 9,082 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $5,000 | 7,933 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $38,000 | 9,283 |
| Salaries and employee benefits | $23,000 | 9,260 |
| Premises and equipment expense | $4,000 | 9,193 |
| Additional noninterest expense | $11,000 | 9,262 |
| Pre-tax net operating income | $38,000 | 8,179 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $13,000 | 6,407 |
| Income before extraordinary items | $25,000 | 8,388 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $25,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $25,000 | 8,263 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $412,000 | 9,201 |
| Total interest expense | $136,000 | 9,156 |
| Net interest income | $276,000 | 9,196 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $31,000 | 9,101 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $21,000 | 7,965 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 8,905 |
| Total noninterest expense | $164,000 | 9,314 |
| Salaries and employee benefits | $97,000 | 9,292 |
| Premises and equipment expense | $17,000 | 9,257 |
| Additional noninterest expense | $50,000 | 9,298 |
| Pre-tax net operating income | $143,000 | 8,139 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $49,000 | 6,546 |
| Income before extraordinary items | $94,000 | 8,362 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $94,000 | 8,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $65,000 | 5,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $94,000 | 8,272 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $478,000 | 9,437 |
| Total interest expense | $197,000 | 9,394 |
| Net interest income | $281,000 | 9,434 |
| Provision for loan and lease losses | $6,000 | 8,054 |
| Total noninterest income | $28,000 | 9,365 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $18,000 | 8,158 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $10,000 | 9,130 |
| Total noninterest expense | $164,000 | 9,577 |
| Salaries and employee benefits | $93,000 | 9,559 |
| Premises and equipment expense | $25,000 | 9,449 |
| Additional noninterest expense | $46,000 | 9,562 |
| Pre-tax net operating income | $139,000 | 8,153 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $48,000 | 6,752 |
| Income before extraordinary items | $91,000 | 8,394 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $91,000 | 8,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,710 |
| Cash dividends | $65,000 | 6,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $91,000 | 8,292 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $467,000 | 9,713 |
| Total interest expense | $188,000 | 9,672 |
| Net interest income | $279,000 | 9,720 |
| Provision for loan and lease losses | $3,000 | 8,228 |
| Total noninterest income | $27,000 | 9,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 8,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,421 |
| Total noninterest expense | $162,000 | 9,862 |
| Salaries and employee benefits | $91,000 | 9,842 |
| Premises and equipment expense | $24,000 | 9,731 |
| Additional noninterest expense | $47,000 | 9,842 |
| Pre-tax net operating income | $141,000 | 8,638 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $43,000 | 7,354 |
| Income before extraordinary items | $98,000 | 8,723 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $98,000 | 8,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $60,000 | 6,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $98,000 | 8,710 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $418,000 | 10,015 |
| Total interest expense | $159,000 | 9,990 |
| Net interest income | $259,000 | 10,011 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $28,000 | 9,889 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,728 |
| Total noninterest expense | $155,000 | 10,180 |
| Salaries and employee benefits | $88,000 | 10,152 |
| Premises and equipment expense | $23,000 | 10,054 |
| Additional noninterest expense | $44,000 | 10,168 |
| Pre-tax net operating income | $132,000 | 8,905 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $41,000 | 7,793 |
| Income before extraordinary items | $91,000 | 9,030 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $91,000 | 9,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,619 |
| Cash dividends | $75,000 | 6,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $91,000 | 8,996 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $414,000 | 10,266 |
| Total interest expense | $172,000 | 10,218 |
| Net interest income | $242,000 | 10,265 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $30,000 | 10,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 8,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 9,972 |
| Total noninterest expense | $149,000 | 10,413 |
| Salaries and employee benefits | $83,000 | 10,391 |
| Premises and equipment expense | $17,000 | 10,340 |
| Additional noninterest expense | $49,000 | 10,390 |
| Pre-tax net operating income | $123,000 | 9,315 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $36,000 | 8,594 |
| Income before extraordinary items | $87,000 | 9,424 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $87,000 | 9,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $60,000 | 6,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $87,000 | 9,360 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $390,000 | 10,756 |
| Total interest expense | $163,000 | 10,710 |
| Net interest income | $227,000 | 10,759 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $31,000 | 10,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,106 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 10,416 |
| Total noninterest expense | $137,000 | 10,872 |
| Salaries and employee benefits | $77,000 | 10,853 |
| Premises and equipment expense | $14,000 | 10,816 |
| Additional noninterest expense | $46,000 | 10,842 |
| Pre-tax net operating income | $121,000 | 9,985 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $39,000 | 9,426 |
| Income before extraordinary items | $82,000 | 10,068 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $82,000 | 10,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $60,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $82,000 | 10,031 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $362,000 | 11,322 |
| Total interest expense | $152,000 | 11,282 |
| Net interest income | $210,000 | 11,326 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $32,000 | 11,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $19,000 | 9,595 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,823 |
| Total noninterest expense | $142,000 | 11,412 |
| Salaries and employee benefits | $76,000 | 11,395 |
| Premises and equipment expense | $15,000 | 11,342 |
| Additional noninterest expense | $51,000 | 11,382 |
| Pre-tax net operating income | $100,000 | 10,361 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $28,000 | 10,061 |
| Income before extraordinary items | $72,000 | 10,436 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $72,000 | 10,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $110,000 | 6,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $72,000 | 10,394 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $330,000 | 11,868 |
| Total interest expense | $138,000 | 11,827 |
| Net interest income | $192,000 | 11,872 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $19,000 | 11,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 10,107 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 11,796 |
| Total noninterest expense | $135,000 | 11,939 |
| Salaries and employee benefits | $75,000 | 11,916 |
| Premises and equipment expense | $14,000 | 11,861 |
| Additional noninterest expense | $46,000 | 11,910 |
| Pre-tax net operating income | $76,000 | 11,202 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $20,000 | 10,754 |
| Income before extraordinary items | $56,000 | 11,254 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $56,000 | 11,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $56,000 | 11,228 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $313,000 | 12,514 |
| Total interest expense | $116,000 | 12,493 |
| Net interest income | $197,000 | 12,508 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $21,000 | 12,374 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 10,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 12,349 |
| Total noninterest expense | $136,000 | 12,571 |
| Salaries and employee benefits | $75,000 | 12,555 |
| Premises and equipment expense | $14,000 | 12,500 |
| Additional noninterest expense | $47,000 | 12,556 |
| Pre-tax net operating income | $82,000 | 11,743 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $18,000 | 11,192 |
| Income before extraordinary items | $64,000 | 11,702 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $64,000 | 11,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $64,000 | 11,744 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 13,157 |
| Total interest expense | $118,000 | 13,151 |
| Net interest income | $220,000 | 13,112 |
| Provision for loan and lease losses | $3,000 | 10,228 |
| Total noninterest income | $20,000 | 13,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,128 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 12,981 |
| Total noninterest expense | $141,000 | 13,237 |
| Salaries and employee benefits | $75,000 | 13,224 |
| Premises and equipment expense | $15,000 | 13,159 |
| Additional noninterest expense | $51,000 | 13,208 |
| Pre-tax net operating income | $96,000 | 11,895 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $25,000 | 11,496 |
| Income before extraordinary items | $71,000 | 12,094 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $71,000 | 12,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $50,000 | 7,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $71,000 | 11,923 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $388,000 | 13,783 |
| Total interest expense | $147,000 | 13,776 |
| Net interest income | $241,000 | 13,721 |
| Provision for loan and lease losses | $10,000 | 11,168 |
| Total noninterest income | $23,000 | 13,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 11,488 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 13,487 |
| Total noninterest expense | $138,000 | 13,869 |
| Salaries and employee benefits | $71,000 | 13,855 |
| Premises and equipment expense | $14,000 | 13,787 |
| Additional noninterest expense | $53,000 | 13,835 |
| Pre-tax net operating income | $116,000 | 11,854 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $32,000 | 11,754 |
| Income before extraordinary items | $84,000 | 12,161 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $84,000 | 12,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $70,000 | 7,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $84,000 | 11,866 |
* 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.