Home > The First National Bank of Clifton > Income and Expense
The First National Bank of Clifton, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $837,000 | 8,341 |
| Total interest expense | $170,000 | 8,414 |
| Net interest income | $667,000 | 8,228 |
| Provision for loan and lease losses | $27,000 | 6,080 |
| Total noninterest income | $230,000 | 6,395 |
| 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 | $213,000 | 4,376 |
| Total noninterest expense | $553,000 | 8,264 |
| Salaries and employee benefits | $356,000 | 8,041 |
| Premises and equipment expense | $92,000 | 7,681 |
| Additional noninterest expense | $105,000 | 8,664 |
| Pre-tax net operating income | $317,000 | 7,120 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $102,000 | 5,324 |
| Income before extraordinary items | $215,000 | 7,394 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $215,000 | 7,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $107,000 | 4,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $215,000 | 7,332 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $546,000 | 8,412 |
| Total interest expense | $115,000 | 8,459 |
| Net interest income | $431,000 | 8,313 |
| Provision for loan and lease losses | $18,000 | 5,953 |
| Total noninterest income | $121,000 | 6,880 |
| 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 | $110,000 | 4,970 |
| Total noninterest expense | $350,000 | 8,373 |
| Salaries and employee benefits | $231,000 | 8,136 |
| Premises and equipment expense | $48,000 | 8,038 |
| Additional noninterest expense | $71,000 | 8,702 |
| Pre-tax net operating income | $184,000 | 7,306 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $48,000 | 5,678 |
| Income before extraordinary items | $136,000 | 7,454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $136,000 | 7,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $72,000 | 4,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $136,000 | 7,384 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $265,000 | 8,493 |
| Total interest expense | $59,000 | 8,502 |
| Net interest income | $206,000 | 8,402 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $61,000 | 6,830 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $6,000 | 7,724 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $55,000 | 4,930 |
| Total noninterest expense | $188,000 | 8,326 |
| Salaries and employee benefits | $121,000 | 8,103 |
| Premises and equipment expense | $16,000 | 8,479 |
| Additional noninterest expense | $51,000 | 8,372 |
| Pre-tax net operating income | $70,000 | 7,606 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $24,000 | 5,624 |
| Income before extraordinary items | $46,000 | 7,858 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $46,000 | 7,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $36,000 | 3,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $46,000 | 7,799 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,215,000 | 8,377 |
| Total interest expense | $330,000 | 8,359 |
| Net interest income | $885,000 | 8,283 |
| Provision for loan and lease losses | $36,000 | 6,612 |
| Total noninterest income | $331,000 | 6,379 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $24,000 | 7,788 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $307,000 | 4,461 |
| Total noninterest expense | $811,000 | 8,254 |
| Salaries and employee benefits | $538,000 | 7,947 |
| Premises and equipment expense | $124,000 | 7,752 |
| Additional noninterest expense | $149,000 | 8,758 |
| Pre-tax net operating income | $369,000 | 7,159 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $85,000 | 5,885 |
| Income before extraordinary items | $284,000 | 7,358 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $284,000 | 7,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,630 |
| Cash dividends | $137,000 | 5,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $284,000 | 7,213 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $927,000 | 8,446 |
| Total interest expense | $266,000 | 8,398 |
| Net interest income | $661,000 | 8,359 |
| Provision for loan and lease losses | $27,000 | 6,482 |
| Total noninterest income | $230,000 | 6,587 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $18,000 | 7,855 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $212,000 | 4,677 |
| Total noninterest expense | $622,000 | 8,223 |
| Salaries and employee benefits | $416,000 | 7,854 |
| Premises and equipment expense | $92,000 | 7,780 |
| Additional noninterest expense | $114,000 | 8,777 |
| Pre-tax net operating income | $242,000 | 7,484 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $72,000 | 5,906 |
| Income before extraordinary items | $170,000 | 7,789 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $170,000 | 7,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,826 |
| Cash dividends | $103,000 | 4,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $170,000 | 7,644 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $632,000 | 8,474 |
| Total interest expense | $199,000 | 8,343 |
| Net interest income | $433,000 | 8,422 |
| Provision for loan and lease losses | $18,000 | 6,396 |
| Total noninterest income | $156,000 | 6,551 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $12,000 | 7,878 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $144,000 | 4,641 |
| Total noninterest expense | $404,000 | 8,277 |
| Salaries and employee benefits | $273,000 | 7,911 |
| Premises and equipment expense | $55,000 | 7,952 |
| Additional noninterest expense | $76,000 | 8,784 |
| Pre-tax net operating income | $167,000 | 7,479 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $48,000 | 5,948 |
| Income before extraordinary items | $119,000 | 7,766 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $119,000 | 7,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,910 |
| Cash dividends | $68,000 | 4,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $119,000 | 7,587 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $327,000 | 8,498 |
| Total interest expense | $102,000 | 8,408 |
| Net interest income | $225,000 | 8,409 |
| Provision for loan and lease losses | $9,000 | 6,152 |
| Total noninterest income | $84,000 | 6,303 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $6,000 | 7,883 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $78,000 | 4,393 |
| Total noninterest expense | $225,000 | 8,132 |
| Salaries and employee benefits | $146,000 | 7,774 |
| Premises and equipment expense | $33,000 | 7,707 |
| Additional noninterest expense | $46,000 | 8,601 |
| Pre-tax net operating income | $75,000 | 7,607 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $24,000 | 5,925 |
| Income before extraordinary items | $52,000 | 7,848 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $52,000 | 7,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $34,000 | 3,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $51,320 | 7,716 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,469,000 | 8,419 |
| Total interest expense | $554,000 | 8,233 |
| Net interest income | $915,000 | 8,402 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $295,000 | 6,489 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $27,000 | 7,890 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $268,000 | 4,496 |
| Total noninterest expense | $849,000 | 8,250 |
| Salaries and employee benefits | $547,000 | 7,943 |
| Premises and equipment expense | $160,000 | 7,308 |
| Additional noninterest expense | $142,000 | 8,939 |
| Pre-tax net operating income | $331,000 | 7,439 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $62,000 | 6,379 |
| Income before extraordinary items | $269,000 | 7,476 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $269,000 | 7,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,825 |
| Cash dividends | $213,000 | 4,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $269,000 | 7,383 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,785,000 | 8,437 |
| Total interest expense | $773,000 | 8,481 |
| Net interest income | $1,012,000 | 8,263 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $271,000 | 6,660 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $27,000 | 8,030 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $244,000 | 4,534 |
| Total noninterest expense | $824,000 | 8,399 |
| Salaries and employee benefits | $541,000 | 7,970 |
| Premises and equipment expense | $151,000 | 7,501 |
| Additional noninterest expense | $132,000 | 9,183 |
| Pre-tax net operating income | $459,000 | 6,721 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $126,000 | 5,707 |
| Income before extraordinary items | $333,000 | 6,935 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $333,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,919 |
| Cash dividends | $163,000 | 5,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $333,000 | 6,818 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,876,000 | 8,536 |
| Total interest expense | $780,000 | 8,688 |
| Net interest income | $1,096,000 | 8,296 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $248,000 | 6,794 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 8,096 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,579 |
| Total noninterest expense | $818,000 | 8,522 |
| Salaries and employee benefits | $532,000 | 8,083 |
| Premises and equipment expense | $141,000 | 7,736 |
| Additional noninterest expense | $145,000 | 9,275 |
| Pre-tax net operating income | $526,000 | 6,875 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $189,000 | 5,498 |
| Income before extraordinary items | $337,000 | 7,243 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $337,000 | 7,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $173,000 | 5,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $337,000 | 7,234 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,748,000 | 8,772 |
| Total interest expense | $733,000 | 8,873 |
| Net interest income | $1,015,000 | 8,601 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $242,000 | 7,027 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 8,320 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $213,000 | 4,797 |
| Total noninterest expense | $769,000 | 8,816 |
| Salaries and employee benefits | $502,000 | 8,333 |
| Premises and equipment expense | $126,000 | 8,112 |
| Additional noninterest expense | $141,000 | 9,591 |
| Pre-tax net operating income | $488,000 | 7,191 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $136,000 | 6,449 |
| Income before extraordinary items | $352,000 | 7,273 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $352,000 | 7,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $150,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $352,000 | 7,247 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,781,000 | 8,949 |
| Total interest expense | $745,000 | 9,082 |
| Net interest income | $1,036,000 | 8,716 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $206,000 | 7,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 8,487 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,296 |
| Total noninterest expense | $777,000 | 8,849 |
| Salaries and employee benefits | $490,000 | 8,423 |
| Premises and equipment expense | $137,000 | 7,934 |
| Additional noninterest expense | $150,000 | 9,656 |
| Pre-tax net operating income | $465,000 | 7,561 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $132,000 | 7,080 |
| Income before extraordinary items | $333,000 | 7,630 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $333,000 | 7,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $333,000 | 7,545 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,756,000 | 9,349 |
| Total interest expense | $705,000 | 9,525 |
| Net interest income | $1,051,000 | 9,061 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $204,000 | 7,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 5,333 |
| Total noninterest expense | $764,000 | 9,174 |
| Salaries and employee benefits | $473,000 | 8,801 |
| Premises and equipment expense | $130,000 | 8,242 |
| Additional noninterest expense | $161,000 | 9,871 |
| Pre-tax net operating income | $491,000 | 7,971 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $120,000 | 8,093 |
| Income before extraordinary items | $371,000 | 7,842 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $371,000 | 7,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $155,000 | 5,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $371,000 | 7,789 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,688,000 | 9,825 |
| Total interest expense | $685,000 | 10,011 |
| Net interest income | $1,003,000 | 9,550 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $185,000 | 8,452 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 9,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,917 |
| Total noninterest expense | $745,000 | 9,656 |
| Salaries and employee benefits | $462,000 | 9,164 |
| Premises and equipment expense | $139,000 | 8,316 |
| Additional noninterest expense | $144,000 | 10,616 |
| Pre-tax net operating income | $443,000 | 8,255 |
| Securities gains (losses) | $74,000 | 1,108 |
| Applicable income taxes | $90,000 | 8,931 |
| Income before extraordinary items | $427,000 | 7,405 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $427,000 | 7,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,018 |
| Cash dividends | $1,020,000 | 2,096 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $365,580 | 7,831 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,659,000 | 10,245 |
| Total interest expense | $639,000 | 10,529 |
| Net interest income | $1,020,000 | 9,885 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $166,000 | 9,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 9,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $134,000 | 6,308 |
| Total noninterest expense | $763,000 | 9,930 |
| Salaries and employee benefits | $460,000 | 9,449 |
| Premises and equipment expense | $105,000 | 9,481 |
| Additional noninterest expense | $198,000 | 10,438 |
| Pre-tax net operating income | $423,000 | 8,919 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $90,000 | 9,389 |
| Income before extraordinary items | $333,000 | 8,629 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $333,000 | 8,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $371,000 | 4,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $333,000 | 8,598 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,665,000 | 10,421 |
| Total interest expense | $567,000 | 10,760 |
| Net interest income | $1,098,000 | 10,073 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $99,000 | 10,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,221 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,873 |
| Total noninterest expense | $784,000 | 10,310 |
| Salaries and employee benefits | $471,000 | 9,651 |
| Premises and equipment expense | $108,000 | 9,773 |
| Additional noninterest expense | $205,000 | 11,089 |
| Pre-tax net operating income | $413,000 | 9,262 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $116,000 | 9,007 |
| Income before extraordinary items | $291,000 | 9,243 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $291,000 | 9,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $161,000 | 5,917 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $295,260 | 9,264 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,700,000 | 10,809 |
| Total interest expense | $610,000 | 11,081 |
| Net interest income | $1,090,000 | 10,443 |
| Provision for loan and lease losses | $21,000 | 8,998 |
| Total noninterest income | $72,000 | 12,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,611 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 10,795 |
| Total noninterest expense | $754,000 | 10,898 |
| Salaries and employee benefits | $455,000 | 10,093 |
| Premises and equipment expense | $76,000 | 11,310 |
| Additional noninterest expense | $223,000 | 11,426 |
| Pre-tax net operating income | $387,000 | 9,510 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $81,000 | 10,189 |
| Income before extraordinary items | $306,000 | 9,407 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $306,000 | 9,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 11,729 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $306,000 | 9,152 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,847,000 | 11,201 |
| Total interest expense | $762,000 | 11,511 |
| Net interest income | $1,085,000 | 10,754 |
| Provision for loan and lease losses | $101,000 | 7,218 |
| Total noninterest income | $76,000 | 12,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 10,924 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $736,000 | 11,324 |
| Salaries and employee benefits | $443,000 | 10,380 |
| Premises and equipment expense | $95,000 | 10,910 |
| Additional noninterest expense | $198,000 | 12,265 |
| Pre-tax net operating income | $324,000 | 9,918 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $78,000 | 10,500 |
| Income before extraordinary items | $246,000 | 9,970 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $246,000 | 10,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 8,662 |
| Cash dividends | $120,000 | 6,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $246,000 | 9,606 |
* 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.