Home > The First National Bank of Athens > Income and Expense
The First National Bank of Athens, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,143,000 | 3,400 |
| Total interest expense | $522,000 | 3,904 |
| Net interest income | $1,621,000 | 3,187 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $521,000 | 2,077 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $312,000 | 1,314 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $209,000 | 2,418 |
| Total noninterest expense | $1,685,000 | 2,434 |
| Salaries and employee benefits | $1,003,000 | 2,270 |
| Premises and equipment expense | $241,000 | 2,430 |
| Additional noninterest expense | $441,000 | 2,743 |
| Pre-tax net operating income | $412,000 | 4,186 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $412,000 | 3,552 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $412,000 | 3,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 1,554 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $412,000 | 3,513 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,143,000 | 3,363 |
| Total interest expense | $1,790,000 | 3,988 |
| Net interest income | $6,353,000 | 3,137 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $2,183,000 | 2,068 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,260,000 | 1,402 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $923,000 | 2,268 |
| Total noninterest expense | $7,495,000 | 2,125 |
| Salaries and employee benefits | $4,245,000 | 2,059 |
| Premises and equipment expense | $1,031,000 | 2,227 |
| Additional noninterest expense | $2,219,000 | 2,196 |
| Pre-tax net operating income | $861,000 | 5,616 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $861,000 | 5,092 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $861,000 | 5,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,520 |
| Cash dividends | $699,000 | 2,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $861,000 | 5,022 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,468,000 | 3,187 |
| Total interest expense | $1,317,000 | 4,015 |
| Net interest income | $5,151,000 | 2,923 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $1,683,000 | 2,036 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $947,000 | 1,408 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $736,000 | 2,198 |
| Total noninterest expense | $5,529,000 | 2,151 |
| Salaries and employee benefits | $3,249,000 | 2,004 |
| Premises and equipment expense | $770,000 | 2,231 |
| Additional noninterest expense | $1,510,000 | 2,371 |
| Pre-tax net operating income | $1,170,000 | 4,219 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,170,000 | 3,604 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,170,000 | 3,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,818 |
| Cash dividends | $698,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,170,000 | 3,537 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,336,000 | 3,163 |
| Total interest expense | $894,000 | 3,948 |
| Net interest income | $3,442,000 | 2,900 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $1,079,000 | 2,082 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $595,000 | 1,476 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $484,000 | 2,237 |
| Total noninterest expense | $3,695,000 | 2,158 |
| Salaries and employee benefits | $2,208,000 | 1,972 |
| Premises and equipment expense | $502,000 | 2,279 |
| Additional noninterest expense | $985,000 | 2,418 |
| Pre-tax net operating income | $736,000 | 4,335 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $736,000 | 3,738 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $736,000 | 3,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,243 |
| Cash dividends | $698,000 | 1,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $736,000 | 3,653 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,202,000 | 3,124 |
| Total interest expense | $475,000 | 3,805 |
| Net interest income | $1,727,000 | 2,879 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $515,000 | 2,114 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $293,000 | 1,464 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $222,000 | 2,301 |
| Total noninterest expense | $1,864,000 | 2,152 |
| Salaries and employee benefits | $1,161,000 | 1,891 |
| Premises and equipment expense | $251,000 | 2,295 |
| Additional noninterest expense | $452,000 | 2,598 |
| Pre-tax net operating income | $333,000 | 4,562 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $333,000 | 3,983 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $333,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $309,000 | 1,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $333,000 | 3,855 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,198,000 | 2,778 |
| Total interest expense | $2,468,000 | 3,366 |
| Net interest income | $7,730,000 | 2,496 |
| Provision for loan and lease losses | $80,000 | 5,625 |
| Total noninterest income | $1,948,000 | 2,358 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,266,000 | 1,371 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $682,000 | 3,015 |
| Total noninterest expense | $7,484,000 | 2,100 |
| Salaries and employee benefits | $4,570,000 | 1,887 |
| Premises and equipment expense | $964,000 | 2,330 |
| Additional noninterest expense | $1,950,000 | 2,468 |
| Pre-tax net operating income | $2,114,000 | 3,268 |
| Securities gains (losses) | $401,000 | 875 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,515,000 | 2,362 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,515,000 | 2,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,782 |
| Cash dividends | $2,519,000 | 1,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,114,000 | 2,613 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,789,000 | 2,766 |
| Total interest expense | $1,953,000 | 3,343 |
| Net interest income | $5,836,000 | 2,501 |
| Provision for loan and lease losses | $200,000 | 3,330 |
| Total noninterest income | $1,512,000 | 2,348 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $952,000 | 1,371 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $560,000 | 2,938 |
| Total noninterest expense | $5,565,000 | 2,129 |
| Salaries and employee benefits | $3,348,000 | 1,924 |
| Premises and equipment expense | $757,000 | 2,249 |
| Additional noninterest expense | $1,460,000 | 2,454 |
| Pre-tax net operating income | $1,583,000 | 3,408 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $1,583,000 | 2,846 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,583,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,464 |
| Cash dividends | $975,000 | 1,785 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,583,000 | 2,704 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,324,000 | 2,721 |
| Total interest expense | $1,373,000 | 3,303 |
| Net interest income | $3,951,000 | 2,460 |
| Provision for loan and lease losses | $200,000 | 2,502 |
| Total noninterest income | $1,018,000 | 2,329 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $639,000 | 1,344 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $379,000 | 2,878 |
| Total noninterest expense | $3,778,000 | 2,089 |
| Salaries and employee benefits | $2,282,000 | 1,880 |
| Premises and equipment expense | $522,000 | 2,170 |
| Additional noninterest expense | $974,000 | 2,423 |
| Pre-tax net operating income | $991,000 | 3,554 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $991,000 | 2,998 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $991,000 | 2,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,920 |
| Cash dividends | $650,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $991,000 | 2,848 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,713,000 | 2,693 |
| Total interest expense | $714,000 | 3,264 |
| Net interest income | $1,999,000 | 2,433 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $524,000 | 2,211 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $324,000 | 1,304 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $200,000 | 2,717 |
| Total noninterest expense | $1,889,000 | 2,068 |
| Salaries and employee benefits | $1,121,000 | 1,903 |
| Premises and equipment expense | $287,000 | 1,984 |
| Additional noninterest expense | $481,000 | 2,414 |
| Pre-tax net operating income | $484,000 | 3,580 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $484,000 | 3,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $484,000 | 3,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,402 |
| Cash dividends | $406,000 | 1,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $484,000 | 2,879 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,826,000 | 2,590 |
| Total interest expense | $3,514,000 | 3,085 |
| Net interest income | $8,312,000 | 2,329 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $2,005,000 | 2,125 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,378,000 | 1,167 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $627,000 | 2,891 |
| Total noninterest expense | $7,590,000 | 1,980 |
| Salaries and employee benefits | $4,469,000 | 1,800 |
| Premises and equipment expense | $976,000 | 2,232 |
| Additional noninterest expense | $2,145,000 | 2,162 |
| Pre-tax net operating income | $2,427,000 | 2,951 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $2,427,000 | 2,413 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,427,000 | 2,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $289,000 | 2,430 |
| Cash dividends | $2,145,000 | 1,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,427,000 | 2,334 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,817,000 | 2,312 |
| Total interest expense | $6,209,000 | 2,578 |
| Net interest income | $8,608,000 | 2,075 |
| Provision for loan and lease losses | $200,000 | 4,117 |
| Total noninterest income | $2,146,000 | 1,907 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,522,000 | 976 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $624,000 | 2,762 |
| Total noninterest expense | $7,882,000 | 1,833 |
| Salaries and employee benefits | $4,535,000 | 1,660 |
| Premises and equipment expense | $871,000 | 2,435 |
| Additional noninterest expense | $2,476,000 | 1,847 |
| Pre-tax net operating income | $2,672,000 | 2,531 |
| Securities gains (losses) | $-36,000 | 9,417 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $2,636,000 | 1,991 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,636,000 | 1,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,657 |
| Cash dividends | $1,722,000 | 1,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,672,000 | 1,884 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,767,000 | 2,104 |
| Total interest expense | $7,073,000 | 2,392 |
| Net interest income | $9,694,000 | 1,812 |
| Provision for loan and lease losses | $25,000 | 7,386 |
| Total noninterest income | $1,862,000 | 1,982 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,420,000 | 944 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $442,000 | 3,151 |
| Total noninterest expense | $7,677,000 | 1,814 |
| Salaries and employee benefits | $4,210,000 | 1,700 |
| Premises and equipment expense | $928,000 | 2,214 |
| Additional noninterest expense | $2,539,000 | 1,749 |
| Pre-tax net operating income | $3,854,000 | 1,896 |
| Securities gains (losses) | $-238,000 | 9,602 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $3,616,000 | 1,466 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,616,000 | 1,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,456 |
| Cash dividends | $2,942,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,854,000 | 1,364 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,008,000 | 2,174 |
| Total interest expense | $6,194,000 | 2,368 |
| Net interest income | $8,814,000 | 1,999 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,748,000 | 2,046 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,271,000 | 1,049 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $477,000 | 3,045 |
| Total noninterest expense | $7,313,000 | 1,884 |
| Salaries and employee benefits | $3,871,000 | 1,795 |
| Premises and equipment expense | $967,000 | 2,111 |
| Additional noninterest expense | $2,475,000 | 1,788 |
| Pre-tax net operating income | $3,249,000 | 2,239 |
| Securities gains (losses) | $-216,000 | 10,045 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $3,033,000 | 1,752 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,033,000 | 1,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,551 |
| Cash dividends | $2,445,000 | 1,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,249,000 | 1,613 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,237,000 | 2,137 |
| Total interest expense | $6,854,000 | 2,209 |
| Net interest income | $8,383,000 | 2,040 |
| Provision for loan and lease losses | $25,000 | 7,503 |
| Total noninterest income | $1,572,000 | 2,187 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,179,000 | 1,061 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $393,000 | 3,469 |
| Total noninterest expense | $7,408,000 | 1,762 |
| Salaries and employee benefits | $3,713,000 | 1,794 |
| Premises and equipment expense | $1,160,000 | 1,705 |
| Additional noninterest expense | $2,535,000 | 1,690 |
| Pre-tax net operating income | $2,522,000 | 2,760 |
| Securities gains (losses) | $-215,000 | 10,417 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $2,307,000 | 2,255 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,307,000 | 2,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $1,400,000 | 1,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,522,000 | 1,992 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $15,338,000 | 2,135 |
| Total interest expense | $6,963,000 | 2,161 |
| Net interest income | $8,375,000 | 2,083 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,162,000 | 2,704 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $875,000 | 1,476 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $287,000 | 4,032 |
| Total noninterest expense | $6,981,000 | 1,854 |
| Salaries and employee benefits | $3,623,000 | 1,804 |
| Premises and equipment expense | $1,036,000 | 1,914 |
| Additional noninterest expense | $2,322,000 | 1,829 |
| Pre-tax net operating income | $2,556,000 | 2,858 |
| Securities gains (losses) | $11,000 | 2,294 |
| Applicable income taxes | $745,000 | 3,092 |
| Income before extraordinary items | $1,822,000 | 2,798 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,822,000 | 2,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $455,000 | 3,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,814,190 | 2,763 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $15,557,000 | 2,168 |
| Total interest expense | $7,317,000 | 2,138 |
| Net interest income | $8,240,000 | 2,186 |
| Provision for loan and lease losses | $220,000 | 3,199 |
| Total noninterest income | $1,379,000 | 2,444 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,021,000 | 1,312 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $358,000 | 3,640 |
| Total noninterest expense | $7,184,000 | 1,953 |
| Salaries and employee benefits | $3,644,000 | 1,813 |
| Premises and equipment expense | $865,000 | 2,284 |
| Additional noninterest expense | $2,675,000 | 1,906 |
| Pre-tax net operating income | $2,215,000 | 3,140 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $605,000 | 3,556 |
| Income before extraordinary items | $1,626,000 | 2,957 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,626,000 | 2,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-99,000 | 11,217 |
| Cash dividends | $439,000 | 3,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,614,320 | 2,942 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,713,000 | 2,284 |
| Total interest expense | $7,054,000 | 2,210 |
| Net interest income | $7,659,000 | 2,340 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $1,292,000 | 2,553 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,024,000 | 1,324 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $268,000 | 4,292 |
| Total noninterest expense | $6,769,000 | 2,041 |
| Salaries and employee benefits | $3,508,000 | 1,883 |
| Premises and equipment expense | $814,000 | 2,445 |
| Additional noninterest expense | $2,447,000 | 2,035 |
| Pre-tax net operating income | $2,092,000 | 3,347 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $458,000 | 4,475 |
| Income before extraordinary items | $1,634,000 | 3,002 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,634,000 | 2,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,802 |
| Cash dividends | $439,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,634,000 | 2,974 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,468,000 | 2,431 |
| Total interest expense | $5,197,000 | 2,374 |
| Net interest income | $7,271,000 | 2,483 |
| Provision for loan and lease losses | $-129,000 | 12,232 |
| Total noninterest income | $1,131,000 | 2,838 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $856,000 | 1,586 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $275,000 | 4,343 |
| Total noninterest expense | $6,289,000 | 2,245 |
| Salaries and employee benefits | $3,045,000 | 2,182 |
| Premises and equipment expense | $717,000 | 2,773 |
| Additional noninterest expense | $2,527,000 | 2,120 |
| Pre-tax net operating income | $2,242,000 | 3,119 |
| Securities gains (losses) | $25,000 | 1,598 |
| Applicable income taxes | $576,000 | 3,632 |
| Income before extraordinary items | $1,691,000 | 2,859 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,691,000 | 2,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 11,414 |
| Cash dividends | $406,000 | 3,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,672,250 | 2,918 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,612,000 | 2,441 |
| Total interest expense | $5,571,000 | 2,328 |
| Net interest income | $7,041,000 | 2,557 |
| Provision for loan and lease losses | $-330,000 | 13,117 |
| Total noninterest income | $1,200,000 | 2,907 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $753,000 | 1,815 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $447,000 | 3,505 |
| Total noninterest expense | $5,575,000 | 2,568 |
| Salaries and employee benefits | $2,630,000 | 2,526 |
| Premises and equipment expense | $754,000 | 2,693 |
| Additional noninterest expense | $2,191,000 | 2,525 |
| Pre-tax net operating income | $2,996,000 | 2,294 |
| Securities gains (losses) | $496,000 | 898 |
| Applicable income taxes | $1,015,000 | 2,221 |
| Income before extraordinary items | $2,477,000 | 2,025 |
| Extraordinary gains, net | $134,000 | 1,335 |
| Net income | $2,611,000 | 1,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 12,272 |
| Cash dividends | $406,000 | 3,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,124,840 | 2,217 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,382,000 | 2,826 |
| Total interest expense | $6,141,000 | 2,720 |
| Net interest income | $6,241,000 | 2,919 |
| Provision for loan and lease losses | $274,000 | 4,369 |
| Total noninterest income | $812,000 | 3,935 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $594,000 | 2,314 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $218,000 | 5,385 |
| Total noninterest expense | $5,538,000 | 2,608 |
| Salaries and employee benefits | $2,147,000 | 3,002 |
| Premises and equipment expense | $571,000 | 3,528 |
| Additional noninterest expense | $2,820,000 | 2,100 |
| Pre-tax net operating income | $1,241,000 | 4,785 |
| Securities gains (losses) | $633,000 | 904 |
| Applicable income taxes | $538,000 | 3,754 |
| Income before extraordinary items | $1,336,000 | 3,432 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,336,000 | 3,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 8,345 |
| Cash dividends | $374,000 | 3,499 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $886,570 | 4,680 |
* 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.