Home > The First National Bank of Alachua > Income and Expense
The First National Bank of Alachua, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,856,000 | 2,689 |
| Total interest expense | $683,000 | 3,179 |
| Net interest income | $2,173,000 | 2,452 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $368,000 | 2,641 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $273,000 | 1,492 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $95,000 | 3,827 |
| Total noninterest expense | $1,801,000 | 2,306 |
| Salaries and employee benefits | $1,048,000 | 2,170 |
| Premises and equipment expense | $175,000 | 3,224 |
| Additional noninterest expense | $578,000 | 2,122 |
| Pre-tax net operating income | $740,000 | 2,734 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $264,000 | 2,183 |
| Income before extraordinary items | $476,000 | 3,160 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $476,000 | 3,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $476,000 | 3,119 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,145,000 | 2,560 |
| Total interest expense | $2,721,000 | 2,838 |
| Net interest income | $8,424,000 | 2,425 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $1,895,000 | 2,279 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,193,000 | 1,476 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $702,000 | 2,703 |
| Total noninterest expense | $6,280,000 | 2,535 |
| Salaries and employee benefits | $3,760,000 | 2,310 |
| Premises and equipment expense | $856,000 | 2,629 |
| Additional noninterest expense | $1,664,000 | 2,863 |
| Pre-tax net operating income | $4,039,000 | 2,047 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $1,467,000 | 1,631 |
| Income before extraordinary items | $2,574,000 | 2,374 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,574,000 | 2,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,894 |
| Cash dividends | $36,000 | 5,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,572,720 | 2,323 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,305,000 | 2,542 |
| Total interest expense | $2,041,000 | 2,789 |
| Net interest income | $6,264,000 | 2,416 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $1,446,000 | 2,260 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $890,000 | 1,499 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $556,000 | 2,632 |
| Total noninterest expense | $4,864,000 | 2,444 |
| Salaries and employee benefits | $2,998,000 | 2,171 |
| Premises and equipment expense | $625,000 | 2,678 |
| Additional noninterest expense | $1,241,000 | 2,840 |
| Pre-tax net operating income | $2,846,000 | 2,159 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,020,000 | 1,745 |
| Income before extraordinary items | $1,826,000 | 2,535 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,826,000 | 2,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,743 |
| Cash dividends | $18,000 | 5,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,826,000 | 2,461 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,540,000 | 2,521 |
| Total interest expense | $1,365,000 | 2,778 |
| Net interest income | $4,175,000 | 2,388 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $989,000 | 2,215 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $611,000 | 1,438 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $378,000 | 2,601 |
| Total noninterest expense | $3,307,000 | 2,411 |
| Salaries and employee benefits | $2,051,000 | 2,126 |
| Premises and equipment expense | $411,000 | 2,726 |
| Additional noninterest expense | $845,000 | 2,787 |
| Pre-tax net operating income | $1,857,000 | 2,183 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $663,000 | 1,782 |
| Income before extraordinary items | $1,194,000 | 2,539 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,194,000 | 2,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,159 |
| Cash dividends | $18,000 | 4,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,194,000 | 2,471 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,793,000 | 2,505 |
| Total interest expense | $694,000 | 2,766 |
| Net interest income | $2,099,000 | 2,382 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $529,000 | 2,065 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $309,000 | 1,388 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $220,000 | 2,316 |
| Total noninterest expense | $1,707,000 | 2,332 |
| Salaries and employee benefits | $1,072,000 | 2,053 |
| Premises and equipment expense | $211,000 | 2,672 |
| Additional noninterest expense | $424,000 | 2,746 |
| Pre-tax net operating income | $921,000 | 2,159 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $321,000 | 1,831 |
| Income before extraordinary items | $600,000 | 2,493 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $600,000 | 2,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,644 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $600,000 | 2,415 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,031,000 | 2,382 |
| Total interest expense | $3,345,000 | 2,599 |
| Net interest income | $8,686,000 | 2,232 |
| Provision for loan and lease losses | $450,000 | 2,353 |
| Total noninterest income | $2,393,000 | 2,027 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,385,000 | 1,254 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,008,000 | 2,372 |
| Total noninterest expense | $6,181,000 | 2,531 |
| Salaries and employee benefits | $3,644,000 | 2,326 |
| Premises and equipment expense | $1,072,000 | 2,122 |
| Additional noninterest expense | $1,465,000 | 3,156 |
| Pre-tax net operating income | $4,448,000 | 1,810 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,644,000 | 1,490 |
| Income before extraordinary items | $2,804,000 | 2,170 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,804,000 | 2,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,339 |
| Cash dividends | $31,000 | 6,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,804,000 | 2,068 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,140,000 | 2,390 |
| Total interest expense | $2,593,000 | 2,607 |
| Net interest income | $6,547,000 | 2,231 |
| Provision for loan and lease losses | $405,000 | 1,997 |
| Total noninterest income | $1,842,000 | 2,026 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,036,000 | 1,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $806,000 | 2,361 |
| Total noninterest expense | $4,582,000 | 2,568 |
| Salaries and employee benefits | $2,866,000 | 2,219 |
| Premises and equipment expense | $674,000 | 2,507 |
| Additional noninterest expense | $1,042,000 | 3,277 |
| Pre-tax net operating income | $3,402,000 | 1,838 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,226,000 | 1,587 |
| Income before extraordinary items | $2,176,000 | 2,161 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,176,000 | 2,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 1,817 |
| Cash dividends | $15,000 | 5,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,176,000 | 2,051 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,186,000 | 2,371 |
| Total interest expense | $1,787,000 | 2,605 |
| Net interest income | $4,399,000 | 2,210 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $1,162,000 | 2,108 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $690,000 | 1,249 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $472,000 | 2,525 |
| Total noninterest expense | $3,092,000 | 2,523 |
| Salaries and employee benefits | $1,902,000 | 2,226 |
| Premises and equipment expense | $406,000 | 2,724 |
| Additional noninterest expense | $784,000 | 2,912 |
| Pre-tax net operating income | $2,199,000 | 1,884 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $830,000 | 1,574 |
| Income before extraordinary items | $1,369,000 | 2,285 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,369,000 | 2,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $15,000 | 5,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,369,000 | 2,158 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,098,000 | 2,381 |
| Total interest expense | $915,000 | 2,618 |
| Net interest income | $2,183,000 | 2,232 |
| Provision for loan and lease losses | $135,000 | 1,910 |
| Total noninterest income | $594,000 | 2,013 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $353,000 | 1,177 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $241,000 | 2,414 |
| Total noninterest expense | $1,584,000 | 2,450 |
| Salaries and employee benefits | $1,017,000 | 2,075 |
| Premises and equipment expense | $185,000 | 2,937 |
| Additional noninterest expense | $382,000 | 2,971 |
| Pre-tax net operating income | $1,058,000 | 1,938 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $406,000 | 1,599 |
| Income before extraordinary items | $652,000 | 2,345 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $652,000 | 2,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $652,000 | 2,217 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,159,000 | 2,332 |
| Total interest expense | $4,112,000 | 2,671 |
| Net interest income | $9,047,000 | 2,149 |
| Provision for loan and lease losses | $640,000 | 1,960 |
| Total noninterest income | $2,075,000 | 2,066 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,299,000 | 1,243 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $776,000 | 2,549 |
| Total noninterest expense | $5,848,000 | 2,523 |
| Salaries and employee benefits | $3,358,000 | 2,383 |
| Premises and equipment expense | $832,000 | 2,590 |
| Additional noninterest expense | $1,658,000 | 2,725 |
| Pre-tax net operating income | $4,634,000 | 1,753 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,734,000 | 1,454 |
| Income before extraordinary items | $2,900,000 | 2,071 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,900,000 | 2,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $31,000 | 6,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,900,000 | 1,994 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,896,000 | 2,466 |
| Total interest expense | $5,958,000 | 2,687 |
| Net interest income | $7,938,000 | 2,260 |
| Provision for loan and lease losses | $515,000 | 2,145 |
| Total noninterest income | $1,780,000 | 2,213 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,173,000 | 1,274 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $607,000 | 2,807 |
| Total noninterest expense | $5,372,000 | 2,634 |
| Salaries and employee benefits | $3,086,000 | 2,443 |
| Premises and equipment expense | $816,000 | 2,580 |
| Additional noninterest expense | $1,470,000 | 2,926 |
| Pre-tax net operating income | $3,831,000 | 1,838 |
| Securities gains (losses) | $138,000 | 1,470 |
| Applicable income taxes | $1,440,000 | 1,546 |
| Income before extraordinary items | $2,529,000 | 2,067 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,529,000 | 2,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 2,065 |
| Cash dividends | $31,000 | 6,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,440,680 | 2,065 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,305,000 | 2,614 |
| Total interest expense | $5,515,000 | 3,027 |
| Net interest income | $7,790,000 | 2,276 |
| Provision for loan and lease losses | $365,000 | 2,455 |
| Total noninterest income | $1,268,000 | 2,648 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,021,000 | 1,326 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $247,000 | 4,322 |
| Total noninterest expense | $5,033,000 | 2,700 |
| Salaries and employee benefits | $2,689,000 | 2,648 |
| Premises and equipment expense | $804,000 | 2,555 |
| Additional noninterest expense | $1,540,000 | 2,745 |
| Pre-tax net operating income | $3,660,000 | 1,993 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,309,000 | 1,693 |
| Income before extraordinary items | $2,351,000 | 2,203 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,351,000 | 2,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 1,710 |
| Cash dividends | $3,662,000 | 818 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,351,000 | 2,211 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,447,000 | 2,824 |
| Total interest expense | $4,669,000 | 3,117 |
| Net interest income | $6,778,000 | 2,588 |
| Provision for loan and lease losses | $250,000 | 3,042 |
| Total noninterest income | $1,114,000 | 2,861 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $882,000 | 1,484 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $232,000 | 4,605 |
| Total noninterest expense | $4,606,000 | 2,927 |
| Salaries and employee benefits | $2,481,000 | 2,825 |
| Premises and equipment expense | $780,000 | 2,597 |
| Additional noninterest expense | $1,345,000 | 3,136 |
| Pre-tax net operating income | $3,036,000 | 2,390 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,138,000 | 2,008 |
| Income before extraordinary items | $1,898,000 | 2,699 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,898,000 | 2,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,486 |
| Cash dividends | $5,136,000 | 641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,898,000 | 2,665 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,302,000 | 3,142 |
| Total interest expense | $4,375,000 | 3,397 |
| Net interest income | $5,927,000 | 2,913 |
| Provision for loan and lease losses | $245,000 | 3,032 |
| Total noninterest income | $982,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $789,000 | 1,606 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $193,000 | 5,052 |
| Total noninterest expense | $4,067,000 | 3,168 |
| Salaries and employee benefits | $2,144,000 | 3,128 |
| Premises and equipment expense | $595,000 | 3,198 |
| Additional noninterest expense | $1,328,000 | 3,076 |
| Pre-tax net operating income | $2,597,000 | 2,684 |
| Securities gains (losses) | $18,000 | 2,506 |
| Applicable income taxes | $914,000 | 2,477 |
| Income before extraordinary items | $1,701,000 | 2,930 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,701,000 | 2,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-88,000 | 10,222 |
| Cash dividends | $60,000 | 6,728 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,689,300 | 2,858 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,086,000 | 4,453 |
| Total interest expense | $2,631,000 | 5,214 |
| Net interest income | $4,455,000 | 3,842 |
| Provision for loan and lease losses | $250,000 | 2,930 |
| Total noninterest income | $699,000 | 3,972 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $556,000 | 2,360 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,821 |
| Total noninterest expense | $2,799,000 | 4,337 |
| Salaries and employee benefits | $1,642,000 | 3,940 |
| Premises and equipment expense | $387,000 | 4,556 |
| Additional noninterest expense | $770,000 | 4,866 |
| Pre-tax net operating income | $2,105,000 | 3,367 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $740,000 | 3,106 |
| Income before extraordinary items | $1,370,000 | 3,634 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,370,000 | 3,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,153 |
| Cash dividends | $31,000 | 7,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,366,750 | 3,563 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,466,000 | 4,887 |
| Total interest expense | $2,569,000 | 5,402 |
| Net interest income | $3,897,000 | 4,424 |
| Provision for loan and lease losses | $210,000 | 3,297 |
| Total noninterest income | $708,000 | 4,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $560,000 | 2,430 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $148,000 | 6,013 |
| Total noninterest expense | $2,695,000 | 4,720 |
| Salaries and employee benefits | $1,491,000 | 4,330 |
| Premises and equipment expense | $392,000 | 4,608 |
| Additional noninterest expense | $812,000 | 5,152 |
| Pre-tax net operating income | $1,700,000 | 3,924 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $545,000 | 3,875 |
| Income before extraordinary items | $1,155,000 | 3,997 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,155,000 | 3,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,562 |
| Cash dividends | $26,000 | 7,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,155,000 | 3,947 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,215,000 | 6,783 |
| Total interest expense | $1,540,000 | 7,586 |
| Net interest income | $2,675,000 | 6,004 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $568,000 | 4,760 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,499 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,328 |
| Total noninterest expense | $1,923,000 | 6,172 |
| Salaries and employee benefits | $1,040,000 | 5,851 |
| Premises and equipment expense | $320,000 | 5,351 |
| Additional noninterest expense | $563,000 | 6,760 |
| Pre-tax net operating income | $1,250,000 | 5,119 |
| Securities gains (losses) | $-6,000 | 9,789 |
| Applicable income taxes | $394,000 | 5,002 |
| Income before extraordinary items | $850,000 | 5,219 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $850,000 | 5,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $26,000 | 8,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $854,080 | 5,187 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,446,000 | 7,420 |
| Total interest expense | $1,108,000 | 8,263 |
| Net interest income | $2,338,000 | 6,782 |
| Provision for loan and lease losses | $76,000 | 5,132 |
| Total noninterest income | $532,000 | 5,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $450,000 | 3,051 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,157 |
| Total noninterest expense | $1,728,000 | 6,909 |
| Salaries and employee benefits | $896,000 | 6,663 |
| Premises and equipment expense | $248,000 | 6,554 |
| Additional noninterest expense | $584,000 | 7,151 |
| Pre-tax net operating income | $1,066,000 | 5,692 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $344,000 | 5,344 |
| Income before extraordinary items | $724,000 | 5,778 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $724,000 | 5,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,686 |
| Cash dividends | $26,000 | 8,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $722,640 | 5,862 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,140,000 | 8,112 |
| Total interest expense | $1,016,000 | 9,028 |
| Net interest income | $2,124,000 | 7,376 |
| Provision for loan and lease losses | $75,000 | 6,449 |
| Total noninterest income | $508,000 | 5,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $425,000 | 3,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,496 |
| Total noninterest expense | $1,672,000 | 7,283 |
| Salaries and employee benefits | $861,000 | 6,950 |
| Premises and equipment expense | $234,000 | 7,011 |
| Additional noninterest expense | $577,000 | 7,544 |
| Pre-tax net operating income | $885,000 | 6,402 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $282,000 | 6,308 |
| Income before extraordinary items | $607,000 | 6,722 |
| Extraordinary gains, net | $56,000 | 2,079 |
| Net income | $663,000 | 6,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $62,000 | 7,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $604,280 | 6,506 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,092,000 | 8,812 |
| Total interest expense | $1,228,000 | 9,511 |
| Net interest income | $1,864,000 | 8,155 |
| Provision for loan and lease losses | $72,000 | 8,175 |
| Total noninterest income | $475,000 | 5,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $407,000 | 3,419 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,388 |
| Total noninterest expense | $1,530,000 | 7,801 |
| Salaries and employee benefits | $793,000 | 7,304 |
| Premises and equipment expense | $194,000 | 7,976 |
| Additional noninterest expense | $543,000 | 8,049 |
| Pre-tax net operating income | $737,000 | 6,905 |
| Securities gains (losses) | $21,000 | 5,524 |
| Applicable income taxes | $251,000 | 6,641 |
| Income before extraordinary items | $507,000 | 7,260 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $507,000 | 7,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 9,186 |
| Cash dividends | $69,000 | 7,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $492,930 | 7,019 |
* 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.