Home > The First National Bank of Albion > Income and Expense
The First National Bank of Albion, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,481,000 | 7,497 |
| Total interest expense | $454,000 | 7,263 |
| Net interest income | $1,027,000 | 7,503 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $100,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $49,000 | 6,871 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $51,000 | 7,043 |
| Total noninterest expense | $817,000 | 7,584 |
| Salaries and employee benefits | $440,000 | 7,635 |
| Premises and equipment expense | $107,000 | 7,366 |
| Additional noninterest expense | $270,000 | 7,323 |
| Pre-tax net operating income | $310,000 | 7,162 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $112,000 | 5,133 |
| Income before extraordinary items | $198,000 | 7,458 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $198,000 | 7,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $4,000 | 5,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $198,000 | 7,426 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $973,000 | 7,505 |
| Total interest expense | $289,000 | 7,257 |
| Net interest income | $684,000 | 7,523 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $58,000 | 7,813 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $32,000 | 6,885 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $26,000 | 7,352 |
| Total noninterest expense | $504,000 | 7,716 |
| Salaries and employee benefits | $274,000 | 7,751 |
| Premises and equipment expense | $66,000 | 7,484 |
| Additional noninterest expense | $164,000 | 7,466 |
| Pre-tax net operating income | $238,000 | 6,979 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $82,000 | 5,057 |
| Income before extraordinary items | $156,000 | 7,299 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $156,000 | 7,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $156,000 | 7,252 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $486,000 | 7,543 |
| Total interest expense | $135,000 | 7,352 |
| Net interest income | $351,000 | 7,525 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $31,000 | 7,764 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,267 |
| Total noninterest expense | $256,000 | 7,758 |
| Salaries and employee benefits | $136,000 | 7,817 |
| Premises and equipment expense | $33,000 | 7,563 |
| Additional noninterest expense | $87,000 | 7,421 |
| Pre-tax net operating income | $126,000 | 6,878 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $43,000 | 4,951 |
| Income before extraordinary items | $83,000 | 7,177 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $83,000 | 7,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $83,000 | 7,144 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,767,000 | 7,614 |
| Total interest expense | $478,000 | 7,388 |
| Net interest income | $1,289,000 | 7,624 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $124,000 | 7,860 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $67,000 | 7,004 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $57,000 | 7,247 |
| Total noninterest expense | $1,100,000 | 7,618 |
| Salaries and employee benefits | $599,000 | 7,665 |
| Premises and equipment expense | $153,000 | 7,293 |
| Additional noninterest expense | $348,000 | 7,420 |
| Pre-tax net operating income | $313,000 | 7,392 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $100,000 | 5,504 |
| Income before extraordinary items | $212,000 | 7,585 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $212,000 | 7,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $107,000 | 5,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $212,680 | 7,550 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,310,000 | 7,675 |
| Total interest expense | $353,000 | 7,440 |
| Net interest income | $957,000 | 7,668 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $87,000 | 7,968 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $49,000 | 7,079 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 7,412 |
| Total noninterest expense | $742,000 | 7,812 |
| Salaries and employee benefits | $431,000 | 7,707 |
| Premises and equipment expense | $109,000 | 7,352 |
| Additional noninterest expense | $202,000 | 7,891 |
| Pre-tax net operating income | $302,000 | 7,201 |
| Securities gains (losses) | $-1,000 | 8,079 |
| Applicable income taxes | $101,000 | 5,334 |
| Income before extraordinary items | $200,000 | 7,481 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $200,000 | 7,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $2,000 | 5,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $200,660 | 7,418 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $857,000 | 7,757 |
| Total interest expense | $233,000 | 7,534 |
| Net interest income | $624,000 | 7,739 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $56,000 | 8,050 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $33,000 | 7,087 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,596 |
| Total noninterest expense | $488,000 | 7,882 |
| Salaries and employee benefits | $279,000 | 7,828 |
| Premises and equipment expense | $79,000 | 7,252 |
| Additional noninterest expense | $130,000 | 7,968 |
| Pre-tax net operating income | $192,000 | 7,246 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $63,000 | 5,384 |
| Income before extraordinary items | $129,000 | 7,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $129,000 | 7,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $2,000 | 5,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $129,000 | 7,434 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $425,000 | 7,803 |
| Total interest expense | $117,000 | 7,585 |
| Net interest income | $308,000 | 7,803 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $23,000 | 8,272 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $16,000 | 7,105 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $7,000 | 8,076 |
| Total noninterest expense | $249,000 | 7,889 |
| Salaries and employee benefits | $143,000 | 7,805 |
| Premises and equipment expense | $38,000 | 7,364 |
| Additional noninterest expense | $68,000 | 7,939 |
| Pre-tax net operating income | $82,000 | 7,438 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $25,000 | 5,581 |
| Income before extraordinary items | $57,000 | 7,638 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $57,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $57,000 | 7,564 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,871,000 | 7,684 |
| Total interest expense | $582,000 | 7,443 |
| Net interest income | $1,289,000 | 7,675 |
| Provision for loan and lease losses | $50,000 | 6,256 |
| Total noninterest income | $138,000 | 7,930 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $67,000 | 7,147 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $71,000 | 7,063 |
| Total noninterest expense | $1,012,000 | 7,856 |
| Salaries and employee benefits | $546,000 | 7,914 |
| Premises and equipment expense | $160,000 | 7,260 |
| Additional noninterest expense | $306,000 | 7,724 |
| Pre-tax net operating income | $365,000 | 7,173 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $119,000 | 5,539 |
| Income before extraordinary items | $246,000 | 7,542 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $246,000 | 7,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,961 |
| Cash dividends | $152,000 | 5,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $246,000 | 7,406 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,435,000 | 7,737 |
| Total interest expense | $457,000 | 7,503 |
| Net interest income | $978,000 | 7,711 |
| Provision for loan and lease losses | $50,000 | 5,747 |
| Total noninterest income | $80,000 | 8,292 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $49,000 | 7,238 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 7,823 |
| Total noninterest expense | $721,000 | 7,963 |
| Salaries and employee benefits | $399,000 | 7,938 |
| Premises and equipment expense | $118,000 | 7,305 |
| Additional noninterest expense | $204,000 | 7,962 |
| Pre-tax net operating income | $287,000 | 7,240 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $93,000 | 5,648 |
| Income before extraordinary items | $194,000 | 7,620 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $194,000 | 7,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $2,000 | 5,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $194,000 | 7,475 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $974,000 | 7,750 |
| Total interest expense | $322,000 | 7,502 |
| Net interest income | $652,000 | 7,729 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $53,000 | 8,304 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $32,000 | 7,257 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $21,000 | 7,777 |
| Total noninterest expense | $484,000 | 7,962 |
| Salaries and employee benefits | $266,000 | 7,956 |
| Premises and equipment expense | $83,000 | 7,215 |
| Additional noninterest expense | $135,000 | 7,983 |
| Pre-tax net operating income | $171,000 | 7,450 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $53,000 | 5,859 |
| Income before extraordinary items | $118,000 | 7,771 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $118,000 | 7,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $2,000 | 5,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $118,000 | 7,593 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $493,000 | 7,771 |
| Total interest expense | $166,000 | 7,543 |
| Net interest income | $327,000 | 7,752 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $23,000 | 8,464 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $249,000 | 7,938 |
| Salaries and employee benefits | $140,000 | 7,894 |
| Premises and equipment expense | $37,000 | 7,479 |
| Additional noninterest expense | $72,000 | 7,882 |
| Pre-tax net operating income | $101,000 | 7,173 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $32,000 | 5,652 |
| Income before extraordinary items | $69,000 | 7,507 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $69,000 | 7,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $2,000 | 3,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $69,000 | 7,355 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,171,000 | 7,671 |
| Total interest expense | $813,000 | 7,475 |
| Net interest income | $1,358,000 | 7,664 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $139,000 | 7,951 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $65,000 | 7,244 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $74,000 | 6,996 |
| Total noninterest expense | $1,018,000 | 7,894 |
| Salaries and employee benefits | $550,000 | 7,931 |
| Premises and equipment expense | $160,000 | 7,308 |
| Additional noninterest expense | $308,000 | 7,753 |
| Pre-tax net operating income | $479,000 | 6,847 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $157,000 | 5,460 |
| Income before extraordinary items | $322,000 | 7,212 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $322,000 | 7,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,450 |
| Cash dividends | $151,000 | 5,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $322,000 | 7,106 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,665,000 | 7,570 |
| Total interest expense | $1,260,000 | 7,489 |
| Net interest income | $1,405,000 | 7,506 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $155,000 | 7,794 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $63,000 | 7,334 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $92,000 | 6,609 |
| Total noninterest expense | $1,153,000 | 7,564 |
| Salaries and employee benefits | $678,000 | 7,295 |
| Premises and equipment expense | $148,000 | 7,555 |
| Additional noninterest expense | $327,000 | 7,660 |
| Pre-tax net operating income | $407,000 | 6,947 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $142,000 | 5,534 |
| Income before extraordinary items | $265,000 | 7,344 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $265,000 | 7,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,490 |
| Cash dividends | $152,000 | 5,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $265,000 | 7,227 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,751,000 | 7,658 |
| Total interest expense | $1,374,000 | 7,411 |
| Net interest income | $1,377,000 | 7,697 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $123,000 | 8,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,569 |
| Total noninterest expense | $1,091,000 | 7,765 |
| Salaries and employee benefits | $673,000 | 7,322 |
| Premises and equipment expense | $143,000 | 7,710 |
| Additional noninterest expense | $275,000 | 8,151 |
| Pre-tax net operating income | $409,000 | 7,423 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $137,000 | 6,078 |
| Income before extraordinary items | $272,000 | 7,644 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $272,000 | 7,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $142,000 | 5,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $272,000 | 7,649 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,567,000 | 7,837 |
| Total interest expense | $1,308,000 | 7,391 |
| Net interest income | $1,259,000 | 8,081 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $129,000 | 8,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,688 |
| Total noninterest expense | $1,077,000 | 7,911 |
| Salaries and employee benefits | $659,000 | 7,440 |
| Premises and equipment expense | $129,000 | 8,053 |
| Additional noninterest expense | $289,000 | 8,207 |
| Pre-tax net operating income | $311,000 | 8,033 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $89,000 | 7,090 |
| Income before extraordinary items | $222,000 | 8,136 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $222,000 | 8,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $52,000 | 6,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $222,000 | 8,106 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,734,000 | 7,832 |
| Total interest expense | $1,327,000 | 7,592 |
| Net interest income | $1,407,000 | 7,889 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $149,000 | 8,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,242 |
| Total noninterest expense | $1,014,000 | 8,073 |
| Salaries and employee benefits | $632,000 | 7,579 |
| Premises and equipment expense | $114,000 | 8,398 |
| Additional noninterest expense | $268,000 | 8,417 |
| Pre-tax net operating income | $442,000 | 7,661 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $147,000 | 6,882 |
| Income before extraordinary items | $296,000 | 7,920 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $296,000 | 7,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,302 |
| Cash dividends | $51,000 | 6,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $295,330 | 7,844 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,623,000 | 8,222 |
| Total interest expense | $1,317,000 | 7,807 |
| Net interest income | $1,306,000 | 8,458 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $148,000 | 8,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 7,917 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,409 |
| Total noninterest expense | $1,010,000 | 8,308 |
| Salaries and employee benefits | $630,000 | 7,722 |
| Premises and equipment expense | $126,000 | 8,337 |
| Additional noninterest expense | $254,000 | 8,798 |
| Pre-tax net operating income | $444,000 | 8,218 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $144,000 | 7,697 |
| Income before extraordinary items | $300,000 | 8,376 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $300,000 | 8,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $52,000 | 7,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $300,000 | 8,331 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,616,000 | 8,543 |
| Total interest expense | $1,336,000 | 7,996 |
| Net interest income | $1,280,000 | 8,820 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $149,000 | 9,021 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $67,000 | 8,337 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,682 |
| Total noninterest expense | $968,000 | 8,782 |
| Salaries and employee benefits | $600,000 | 8,124 |
| Premises and equipment expense | $116,000 | 8,889 |
| Additional noninterest expense | $252,000 | 9,377 |
| Pre-tax net operating income | $461,000 | 8,156 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $144,000 | 7,971 |
| Income before extraordinary items | $319,000 | 8,264 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $319,000 | 8,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $50,000 | 7,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $317,620 | 8,210 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,553,000 | 8,882 |
| Total interest expense | $1,263,000 | 8,395 |
| Net interest income | $1,290,000 | 9,102 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $147,000 | 9,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 8,553 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,156 |
| Total noninterest expense | $919,000 | 9,292 |
| Salaries and employee benefits | $581,000 | 8,489 |
| Premises and equipment expense | $75,000 | 10,348 |
| Additional noninterest expense | $263,000 | 9,685 |
| Pre-tax net operating income | $518,000 | 8,338 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $169,000 | 7,942 |
| Income before extraordinary items | $349,000 | 8,490 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $349,000 | 8,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,621 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $349,000 | 8,470 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,123,000 | 9,568 |
| Total interest expense | $946,000 | 8,923 |
| Net interest income | $1,177,000 | 9,817 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $156,000 | 9,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 8,715 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,362 |
| Total noninterest expense | $874,000 | 9,888 |
| Salaries and employee benefits | $537,000 | 9,064 |
| Premises and equipment expense | $56,000 | 11,432 |
| Additional noninterest expense | $281,000 | 10,181 |
| Pre-tax net operating income | $459,000 | 8,925 |
| Securities gains (losses) | $-5,000 | 9,408 |
| Applicable income taxes | $150,000 | 8,297 |
| Income before extraordinary items | $304,000 | 9,098 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $304,000 | 9,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $25,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $307,350 | 9,138 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,023,000 | 10,127 |
| Total interest expense | $1,035,000 | 8,944 |
| Net interest income | $988,000 | 10,830 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $178,000 | 9,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $77,000 | 9,110 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,826 |
| Total noninterest expense | $868,000 | 10,352 |
| Salaries and employee benefits | $524,000 | 9,427 |
| Premises and equipment expense | $61,000 | 11,811 |
| Additional noninterest expense | $283,000 | 10,655 |
| Pre-tax net operating income | $298,000 | 10,264 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $92,000 | 9,945 |
| Income before extraordinary items | $206,000 | 10,572 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $206,000 | 10,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 9,554 |
| Cash dividends | $132,000 | 6,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $206,000 | 10,347 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,346,000 | 10,197 |
| Total interest expense | $1,305,000 | 9,210 |
| Net interest income | $1,041,000 | 10,933 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $170,000 | 10,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 9,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 8,366 |
| Total noninterest expense | $845,000 | 10,781 |
| Salaries and employee benefits | $504,000 | 9,748 |
| Premises and equipment expense | $56,000 | 12,452 |
| Additional noninterest expense | $285,000 | 11,055 |
| Pre-tax net operating income | $366,000 | 9,529 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $127,000 | 9,192 |
| Income before extraordinary items | $262,000 | 9,753 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $262,000 | 9,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $570,000 | 2,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $246,590 | 9,597 |
* 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.