Home > The First National Bank of Fremont > Income and Expense
The First National Bank of Fremont, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,179,000 | 4,782 |
| Total interest expense | $864,000 | 5,815 |
| Net interest income | $3,315,000 | 4,322 |
| Provision for loan and lease losses | $644,000 | 1,149 |
| Total noninterest income | $946,000 | 3,024 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $612,000 | 2,074 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $334,000 | 3,611 |
| Total noninterest expense | $4,351,000 | 2,812 |
| Salaries and employee benefits | $2,176,000 | 3,019 |
| Premises and equipment expense | $653,000 | 2,663 |
| Additional noninterest expense | $1,522,000 | 2,416 |
| Pre-tax net operating income | $-734,000 | 8,670 |
| Securities gains (losses) | $-12,000 | 7,977 |
| Applicable income taxes | $-302,000 | 8,789 |
| Income before extraordinary items | $-444,000 | 8,614 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-444,000 | 8,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $476,000 | 869 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-436,320 | 8,587 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,822,000 | 4,689 |
| Total interest expense | $571,000 | 5,703 |
| Net interest income | $2,251,000 | 4,239 |
| Provision for loan and lease losses | $578,000 | 863 |
| Total noninterest income | $622,000 | 3,010 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $400,000 | 2,071 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $222,000 | 3,588 |
| Total noninterest expense | $2,895,000 | 2,794 |
| Salaries and employee benefits | $1,412,000 | 3,088 |
| Premises and equipment expense | $446,000 | 2,587 |
| Additional noninterest expense | $1,037,000 | 2,347 |
| Pre-tax net operating income | $-600,000 | 8,704 |
| Securities gains (losses) | $-12,000 | 8,200 |
| Applicable income taxes | $-246,000 | 8,804 |
| Income before extraordinary items | $-366,000 | 8,671 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-366,000 | 8,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 868 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-358,320 | 8,639 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,423,000 | 4,637 |
| Total interest expense | $280,000 | 5,664 |
| Net interest income | $1,143,000 | 4,215 |
| Provision for loan and lease losses | $458,000 | 512 |
| Total noninterest income | $318,000 | 2,919 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $196,000 | 2,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $122,000 | 3,360 |
| Total noninterest expense | $1,632,000 | 2,510 |
| Salaries and employee benefits | $733,000 | 2,994 |
| Premises and equipment expense | $242,000 | 2,421 |
| Additional noninterest expense | $657,000 | 1,869 |
| Pre-tax net operating income | $-629,000 | 8,873 |
| Securities gains (losses) | $-12,000 | 8,571 |
| Applicable income taxes | $-252,000 | 8,888 |
| Income before extraordinary items | $-389,000 | 8,836 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-389,000 | 8,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 671 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-381,320 | 8,819 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,198,000 | 4,156 |
| Total interest expense | $1,075,000 | 5,457 |
| Net interest income | $5,123,000 | 3,744 |
| Provision for loan and lease losses | $2,554,000 | 441 |
| Total noninterest income | $1,391,000 | 2,822 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $563,000 | 2,849 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $828,000 | 2,443 |
| Total noninterest expense | $7,366,000 | 2,162 |
| Salaries and employee benefits | $3,645,000 | 2,383 |
| Premises and equipment expense | $929,000 | 2,452 |
| Additional noninterest expense | $2,792,000 | 1,743 |
| Pre-tax net operating income | $-3,406,000 | 8,934 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-1,329,000 | 8,946 |
| Income before extraordinary items | $-2,077,000 | 8,917 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,077,000 | 8,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,519,000 | 565 |
| Cash dividends | $124,000 | 5,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-2,077,000 | 8,902 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,687,000 | 4,122 |
| Total interest expense | $792,000 | 5,472 |
| Net interest income | $3,895,000 | 3,677 |
| Provision for loan and lease losses | $66,000 | 5,012 |
| Total noninterest income | $1,054,000 | 2,816 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $424,000 | 2,861 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $630,000 | 2,433 |
| Total noninterest expense | $4,387,000 | 2,685 |
| Salaries and employee benefits | $2,841,000 | 2,277 |
| Premises and equipment expense | $611,000 | 2,742 |
| Additional noninterest expense | $935,000 | 3,601 |
| Pre-tax net operating income | $496,000 | 6,346 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $189,000 | 4,533 |
| Income before extraordinary items | $307,000 | 6,847 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $307,000 | 6,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,250 |
| Cash dividends | $124,000 | 4,468 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $307,000 | 6,776 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,094,000 | 4,143 |
| Total interest expense | $517,000 | 5,552 |
| Net interest income | $2,577,000 | 3,681 |
| Provision for loan and lease losses | $25,000 | 5,618 |
| Total noninterest income | $689,000 | 2,866 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $274,000 | 2,912 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $415,000 | 2,453 |
| Total noninterest expense | $2,908,000 | 2,700 |
| Salaries and employee benefits | $1,916,000 | 2,254 |
| Premises and equipment expense | $410,000 | 2,731 |
| Additional noninterest expense | $582,000 | 3,835 |
| Pre-tax net operating income | $333,000 | 6,288 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $129,000 | 4,494 |
| Income before extraordinary items | $204,000 | 6,865 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $204,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $124,000 | 4,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $204,000 | 6,782 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,536,000 | 4,185 |
| Total interest expense | $258,000 | 5,627 |
| Net interest income | $1,278,000 | 3,696 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $330,000 | 2,919 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $125,000 | 3,064 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $205,000 | 2,439 |
| Total noninterest expense | $1,423,000 | 2,771 |
| Salaries and employee benefits | $948,000 | 2,297 |
| Premises and equipment expense | $209,000 | 2,694 |
| Additional noninterest expense | $266,000 | 4,111 |
| Pre-tax net operating income | $175,000 | 6,130 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $66,000 | 4,439 |
| Income before extraordinary items | $109,000 | 6,719 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $109,000 | 6,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $62,000 | 3,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $109,000 | 6,600 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,407,000 | 4,102 |
| Total interest expense | $1,176,000 | 5,629 |
| Net interest income | $5,231,000 | 3,568 |
| Provision for loan and lease losses | $272,000 | 3,386 |
| Total noninterest income | $1,467,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $482,000 | 3,184 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $985,000 | 2,415 |
| Total noninterest expense | $5,769,000 | 2,685 |
| Salaries and employee benefits | $3,597,000 | 2,359 |
| Premises and equipment expense | $912,000 | 2,449 |
| Additional noninterest expense | $1,260,000 | 3,590 |
| Pre-tax net operating income | $657,000 | 6,139 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $251,000 | 4,576 |
| Income before extraordinary items | $406,000 | 6,787 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $406,000 | 6,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,533 |
| Cash dividends | $248,000 | 4,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $406,000 | 6,626 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,839,000 | 4,119 |
| Total interest expense | $917,000 | 5,650 |
| Net interest income | $3,922,000 | 3,581 |
| Provision for loan and lease losses | $266,000 | 2,756 |
| Total noninterest income | $1,117,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $348,000 | 3,290 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $769,000 | 2,426 |
| Total noninterest expense | $4,228,000 | 2,754 |
| Salaries and employee benefits | $2,517,000 | 2,504 |
| Premises and equipment expense | $715,000 | 2,359 |
| Additional noninterest expense | $996,000 | 3,411 |
| Pre-tax net operating income | $545,000 | 6,102 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $210,000 | 4,580 |
| Income before extraordinary items | $335,000 | 6,746 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $335,000 | 6,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,955 |
| Cash dividends | $185,000 | 4,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $335,000 | 6,568 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,238,000 | 4,153 |
| Total interest expense | $646,000 | 5,593 |
| Net interest income | $2,592,000 | 3,602 |
| Provision for loan and lease losses | $217,000 | 2,365 |
| Total noninterest income | $760,000 | 2,861 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $226,000 | 3,314 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $534,000 | 2,358 |
| Total noninterest expense | $2,801,000 | 2,765 |
| Salaries and employee benefits | $1,615,000 | 2,602 |
| Premises and equipment expense | $486,000 | 2,308 |
| Additional noninterest expense | $700,000 | 3,235 |
| Pre-tax net operating income | $334,000 | 6,281 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $128,000 | 4,755 |
| Income before extraordinary items | $206,000 | 6,909 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $206,000 | 6,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 1,560 |
| Cash dividends | $124,000 | 4,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $206,000 | 6,710 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,622,000 | 4,180 |
| Total interest expense | $335,000 | 5,579 |
| Net interest income | $1,287,000 | 3,614 |
| Provision for loan and lease losses | $108,000 | 2,240 |
| Total noninterest income | $390,000 | 2,722 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $190,000 | 2,105 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $200,000 | 2,717 |
| Total noninterest expense | $1,397,000 | 2,759 |
| Salaries and employee benefits | $807,000 | 2,598 |
| Premises and equipment expense | $254,000 | 2,222 |
| Additional noninterest expense | $336,000 | 3,308 |
| Pre-tax net operating income | $172,000 | 6,204 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $68,000 | 4,629 |
| Income before extraordinary items | $104,000 | 6,819 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $104,000 | 6,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 1,261 |
| Cash dividends | $62,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $104,000 | 6,655 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,835,000 | 4,124 |
| Total interest expense | $1,948,000 | 4,874 |
| Net interest income | $4,887,000 | 3,735 |
| Provision for loan and lease losses | $315,000 | 3,321 |
| Total noninterest income | $1,570,000 | 2,545 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $629,000 | 2,482 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $941,000 | 2,268 |
| Total noninterest expense | $5,582,000 | 2,654 |
| Salaries and employee benefits | $3,345,000 | 2,388 |
| Premises and equipment expense | $951,000 | 2,297 |
| Additional noninterest expense | $1,286,000 | 3,415 |
| Pre-tax net operating income | $560,000 | 6,549 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $216,000 | 5,007 |
| Income before extraordinary items | $344,000 | 7,104 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $344,000 | 7,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 2,296 |
| Cash dividends | $256,000 | 4,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $344,000 | 6,991 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,476,000 | 4,238 |
| Total interest expense | $2,692,000 | 5,132 |
| Net interest income | $4,784,000 | 3,564 |
| Provision for loan and lease losses | $163,000 | 4,608 |
| Total noninterest income | $1,121,000 | 3,076 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $489,000 | 2,887 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $632,000 | 2,745 |
| Total noninterest expense | $5,290,000 | 2,680 |
| Salaries and employee benefits | $3,142,000 | 2,390 |
| Premises and equipment expense | $864,000 | 2,449 |
| Additional noninterest expense | $1,284,000 | 3,288 |
| Pre-tax net operating income | $452,000 | 6,746 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $151,000 | 5,436 |
| Income before extraordinary items | $301,000 | 7,136 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $301,000 | 7,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 3,258 |
| Cash dividends | $206,000 | 4,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $301,000 | 7,021 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,624,000 | 4,283 |
| Total interest expense | $2,552,000 | 5,486 |
| Net interest income | $5,072,000 | 3,425 |
| Provision for loan and lease losses | $104,000 | 5,223 |
| Total noninterest income | $821,000 | 3,602 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $455,000 | 2,938 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $366,000 | 3,548 |
| Total noninterest expense | $4,894,000 | 2,779 |
| Salaries and employee benefits | $2,871,000 | 2,482 |
| Premises and equipment expense | $853,000 | 2,422 |
| Additional noninterest expense | $1,170,000 | 3,510 |
| Pre-tax net operating income | $895,000 | 5,567 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $352,000 | 4,259 |
| Income before extraordinary items | $543,000 | 6,111 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $543,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,622 |
| Cash dividends | $135,000 | 5,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $543,000 | 6,118 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,198,000 | 4,291 |
| Total interest expense | $2,312,000 | 5,475 |
| Net interest income | $4,886,000 | 3,521 |
| Provision for loan and lease losses | $100,000 | 5,206 |
| Total noninterest income | $809,000 | 3,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $456,000 | 2,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $353,000 | 3,682 |
| Total noninterest expense | $4,640,000 | 2,911 |
| Salaries and employee benefits | $2,614,000 | 2,690 |
| Premises and equipment expense | $792,000 | 2,562 |
| Additional noninterest expense | $1,234,000 | 3,344 |
| Pre-tax net operating income | $955,000 | 5,439 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $375,000 | 4,322 |
| Income before extraordinary items | $580,000 | 5,991 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $580,000 | 5,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,636 |
| Cash dividends | $187,000 | 5,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $580,000 | 5,963 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,358,000 | 4,221 |
| Total interest expense | $2,652,000 | 5,164 |
| Net interest income | $4,706,000 | 3,600 |
| Provision for loan and lease losses | $90,000 | 5,311 |
| Total noninterest income | $827,000 | 3,536 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $439,000 | 2,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $388,000 | 3,495 |
| Total noninterest expense | $4,504,000 | 2,888 |
| Salaries and employee benefits | $2,588,000 | 2,618 |
| Premises and equipment expense | $830,000 | 2,352 |
| Additional noninterest expense | $1,086,000 | 3,666 |
| Pre-tax net operating income | $939,000 | 5,612 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $375,000 | 4,582 |
| Income before extraordinary items | $564,000 | 6,242 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $564,000 | 6,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,967 |
| Cash dividends | $184,000 | 5,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $564,000 | 6,127 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,870,000 | 4,565 |
| Total interest expense | $2,496,000 | 5,419 |
| Net interest income | $4,374,000 | 3,906 |
| Provision for loan and lease losses | $104,000 | 5,080 |
| Total noninterest income | $776,000 | 3,674 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $435,000 | 2,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $341,000 | 3,640 |
| Total noninterest expense | $4,147,000 | 3,081 |
| Salaries and employee benefits | $2,321,000 | 2,856 |
| Premises and equipment expense | $816,000 | 2,373 |
| Additional noninterest expense | $1,010,000 | 3,866 |
| Pre-tax net operating income | $899,000 | 6,156 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $371,000 | 5,120 |
| Income before extraordinary items | $528,000 | 6,809 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $528,000 | 6,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,945 |
| Cash dividends | $160,000 | 5,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $528,000 | 6,750 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,484,000 | 4,869 |
| Total interest expense | $2,385,000 | 5,697 |
| Net interest income | $4,099,000 | 4,229 |
| Provision for loan and lease losses | $113,000 | 4,832 |
| Total noninterest income | $755,000 | 3,860 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $433,000 | 3,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $322,000 | 3,909 |
| Total noninterest expense | $3,956,000 | 3,385 |
| Salaries and employee benefits | $2,172,000 | 3,078 |
| Premises and equipment expense | $795,000 | 2,466 |
| Additional noninterest expense | $989,000 | 4,446 |
| Pre-tax net operating income | $785,000 | 6,562 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $319,000 | 5,621 |
| Income before extraordinary items | $466,000 | 7,136 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $466,000 | 7,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,511 |
| Cash dividends | $160,000 | 5,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $466,000 | 7,079 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,272,000 | 5,005 |
| Total interest expense | $2,177,000 | 6,128 |
| Net interest income | $4,095,000 | 4,226 |
| Provision for loan and lease losses | $82,000 | 5,048 |
| Total noninterest income | $677,000 | 4,188 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $307,000 | 4,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $370,000 | 3,483 |
| Total noninterest expense | $4,017,000 | 3,310 |
| Salaries and employee benefits | $2,110,000 | 3,138 |
| Premises and equipment expense | $962,000 | 2,091 |
| Additional noninterest expense | $945,000 | 4,565 |
| Pre-tax net operating income | $673,000 | 7,453 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $261,000 | 6,497 |
| Income before extraordinary items | $412,000 | 7,948 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $412,000 | 7,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,073 |
| Cash dividends | $22,000 | 8,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $412,000 | 7,916 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,731,000 | 5,067 |
| Total interest expense | $1,893,000 | 5,847 |
| Net interest income | $3,838,000 | 4,550 |
| Provision for loan and lease losses | $161,000 | 3,456 |
| Total noninterest income | $704,000 | 4,111 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $444,000 | 3,193 |
| Total noninterest expense | $4,004,000 | 3,425 |
| Salaries and employee benefits | $1,914,000 | 3,422 |
| Premises and equipment expense | $933,000 | 2,163 |
| Additional noninterest expense | $1,157,000 | 4,191 |
| Pre-tax net operating income | $377,000 | 9,531 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $119,000 | 8,946 |
| Income before extraordinary items | $258,000 | 9,607 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $258,000 | 9,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,966 |
| Cash dividends | $22,000 | 8,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $258,000 | 9,664 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,447,000 | 5,380 |
| Total interest expense | $2,036,000 | 5,748 |
| Net interest income | $3,411,000 | 5,061 |
| Provision for loan and lease losses | $54,000 | 7,292 |
| Total noninterest income | $690,000 | 4,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $201,000 | 5,955 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $489,000 | 3,312 |
| Total noninterest expense | $4,069,000 | 3,437 |
| Salaries and employee benefits | $1,820,000 | 3,576 |
| Premises and equipment expense | $817,000 | 2,504 |
| Additional noninterest expense | $1,432,000 | 3,640 |
| Pre-tax net operating income | $-22,000 | 12,495 |
| Securities gains (losses) | $74,000 | 2,889 |
| Applicable income taxes | $32,000 | 11,333 |
| Income before extraordinary items | $20,000 | 12,425 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $20,000 | 12,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 7,224 |
| Cash dividends | $21,000 | 8,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-27,360 | 12,468 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,749,000 | 5,697 |
| Total interest expense | $2,587,000 | 5,818 |
| Net interest income | $3,162,000 | 5,471 |
| Provision for loan and lease losses | $85,000 | 7,723 |
| Total noninterest income | $2,076,000 | 1,887 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,892,000 | 1,291 |
| Total noninterest expense | $4,956,000 | 2,888 |
| Salaries and employee benefits | $2,531,000 | 2,561 |
| Premises and equipment expense | $889,000 | 2,328 |
| Additional noninterest expense | $1,536,000 | 3,528 |
| Pre-tax net operating income | $197,000 | 11,096 |
| Securities gains (losses) | $95,000 | 3,090 |
| Applicable income taxes | $105,000 | 9,775 |
| Income before extraordinary items | $187,000 | 10,779 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $187,000 | 10,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $22,000 | 8,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $126,200 | 11,273 |
* 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.