Home > The First National Bank of Lerna > Income and Expense
The First National Bank of Lerna, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $459,000 | 8,785 |
| Total interest expense | $81,000 | 8,772 |
| Net interest income | $378,000 | 8,749 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $77,000 | 8,333 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $62,000 | 7,083 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,368 |
| Total noninterest expense | $320,000 | 8,870 |
| Salaries and employee benefits | $173,000 | 8,851 |
| Premises and equipment expense | $35,000 | 8,771 |
| Additional noninterest expense | $112,000 | 8,773 |
| Pre-tax net operating income | $135,000 | 8,001 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $10,000 | 6,757 |
| Income before extraordinary items | $125,000 | 7,995 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $125,000 | 7,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,912 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $125,000 | 7,949 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $345,000 | 8,836 |
| Total interest expense | $63,000 | 8,823 |
| Net interest income | $282,000 | 8,806 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $61,000 | 8,340 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $48,000 | 7,102 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 8,331 |
| Total noninterest expense | $229,000 | 8,917 |
| Salaries and employee benefits | $124,000 | 8,905 |
| Premises and equipment expense | $23,000 | 8,831 |
| Additional noninterest expense | $82,000 | 8,820 |
| Pre-tax net operating income | $114,000 | 8,059 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $13,000 | 6,704 |
| Income before extraordinary items | $101,000 | 8,065 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $101,000 | 8,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $101,000 | 8,014 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $233,000 | 8,892 |
| Total interest expense | $43,000 | 8,885 |
| Net interest income | $190,000 | 8,862 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $37,000 | 8,459 |
| 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 | $4,000 | 8,694 |
| Total noninterest expense | $156,000 | 8,965 |
| Salaries and employee benefits | $82,000 | 8,965 |
| Premises and equipment expense | $15,000 | 8,886 |
| Additional noninterest expense | $59,000 | 8,832 |
| Pre-tax net operating income | $71,000 | 8,115 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $7,000 | 6,787 |
| Income before extraordinary items | $64,000 | 8,126 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $64,000 | 8,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $64,000 | 8,066 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $116,000 | 8,952 |
| Total interest expense | $23,000 | 8,921 |
| Net interest income | $93,000 | 8,912 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $16,000 | 8,578 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $81,000 | 8,997 |
| Salaries and employee benefits | $40,000 | 9,008 |
| Premises and equipment expense | $7,000 | 8,909 |
| Additional noninterest expense | $34,000 | 8,768 |
| Pre-tax net operating income | $28,000 | 8,212 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $2,000 | 6,854 |
| Income before extraordinary items | $26,000 | 8,220 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $26,000 | 8,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $26,000 | 8,151 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $498,000 | 8,949 |
| Total interest expense | $106,000 | 8,945 |
| Net interest income | $392,000 | 8,906 |
| Provision for loan and lease losses | $-90,000 | 9,019 |
| Total noninterest income | $72,000 | 8,590 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $65,000 | 7,186 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $7,000 | 8,858 |
| Total noninterest expense | $324,000 | 9,052 |
| Salaries and employee benefits | $158,000 | 9,058 |
| Premises and equipment expense | $44,000 | 8,852 |
| Additional noninterest expense | $122,000 | 8,910 |
| Pre-tax net operating income | $230,000 | 7,722 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $48,000 | 6,313 |
| Income before extraordinary items | $182,000 | 7,852 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $182,000 | 7,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,475 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $182,000 | 7,719 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $374,000 | 9,032 |
| Total interest expense | $82,000 | 9,031 |
| Net interest income | $292,000 | 8,994 |
| Provision for loan and lease losses | $-90,000 | 9,128 |
| Total noninterest income | $53,000 | 8,672 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $47,000 | 7,276 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,000 | 8,884 |
| Total noninterest expense | $236,000 | 9,114 |
| Salaries and employee benefits | $116,000 | 9,117 |
| Premises and equipment expense | $34,000 | 8,874 |
| Additional noninterest expense | $86,000 | 8,982 |
| Pre-tax net operating income | $199,000 | 7,735 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $16,000 | 6,892 |
| Income before extraordinary items | $183,000 | 7,692 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $183,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $183,000 | 7,549 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $252,000 | 9,074 |
| Total interest expense | $56,000 | 9,070 |
| Net interest income | $196,000 | 9,026 |
| Provision for loan and lease losses | $-90,000 | 9,183 |
| Total noninterest income | $33,000 | 8,738 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $29,000 | 7,375 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,000 | 8,891 |
| Total noninterest expense | $158,000 | 9,142 |
| Salaries and employee benefits | $77,000 | 9,155 |
| Premises and equipment expense | $23,000 | 8,876 |
| Additional noninterest expense | $58,000 | 8,991 |
| Pre-tax net operating income | $161,000 | 7,520 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $11,000 | 6,920 |
| Income before extraordinary items | $150,000 | 7,450 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $150,000 | 7,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $150,000 | 7,265 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $125,000 | 9,132 |
| Total interest expense | $28,000 | 9,129 |
| Net interest income | $97,000 | 9,078 |
| Provision for loan and lease losses | $-90,000 | 9,258 |
| Total noninterest income | $15,000 | 8,812 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $79,000 | 9,189 |
| Salaries and employee benefits | $38,000 | 9,204 |
| Premises and equipment expense | $10,000 | 8,968 |
| Additional noninterest expense | $31,000 | 8,995 |
| Pre-tax net operating income | $123,000 | 6,857 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $118,000 | 6,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $118,000 | 6,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $118,000 | 6,419 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $519,000 | 9,167 |
| Total interest expense | $139,000 | 9,153 |
| Net interest income | $380,000 | 9,109 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $76,000 | 8,681 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $63,000 | 7,282 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,786 |
| Total noninterest expense | $310,000 | 9,232 |
| Salaries and employee benefits | $145,000 | 9,244 |
| Premises and equipment expense | $46,000 | 8,965 |
| Additional noninterest expense | $119,000 | 9,083 |
| Pre-tax net operating income | $146,000 | 8,128 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $26,000 | 6,921 |
| Income before extraordinary items | $120,000 | 8,232 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $120,000 | 8,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,998 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $120,000 | 8,130 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $594,000 | 9,383 |
| Total interest expense | $228,000 | 9,361 |
| Net interest income | $366,000 | 9,341 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $71,000 | 8,893 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $54,000 | 7,519 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $17,000 | 8,847 |
| Total noninterest expense | $343,000 | 9,443 |
| Salaries and employee benefits | $179,000 | 9,440 |
| Premises and equipment expense | $41,000 | 9,280 |
| Additional noninterest expense | $123,000 | 9,239 |
| Pre-tax net operating income | $94,000 | 8,357 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $21,000 | 7,291 |
| Income before extraordinary items | $73,000 | 8,481 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $73,000 | 8,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 9,220 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $73,000 | 8,380 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $599,000 | 9,646 |
| Total interest expense | $227,000 | 9,626 |
| Net interest income | $372,000 | 9,623 |
| Provision for loan and lease losses | $85,000 | 5,634 |
| Total noninterest income | $50,000 | 9,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 7,929 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,267 |
| Total noninterest expense | $385,000 | 9,624 |
| Salaries and employee benefits | $211,000 | 9,595 |
| Premises and equipment expense | $58,000 | 9,224 |
| Additional noninterest expense | $116,000 | 9,522 |
| Pre-tax net operating income | $-48,000 | 9,198 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-44,000 | 9,467 |
| Income before extraordinary items | $-4,000 | 9,163 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-4,000 | 9,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,854 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-4,000 | 9,148 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $663,000 | 9,871 |
| Total interest expense | $283,000 | 9,820 |
| Net interest income | $380,000 | 9,851 |
| Provision for loan and lease losses | $102,000 | 5,170 |
| Total noninterest income | $84,000 | 9,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 7,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,711 |
| Total noninterest expense | $430,000 | 9,798 |
| Salaries and employee benefits | $260,000 | 9,670 |
| Premises and equipment expense | $51,000 | 9,622 |
| Additional noninterest expense | $119,000 | 9,787 |
| Pre-tax net operating income | $-68,000 | 9,503 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-68,000 | 9,540 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-68,000 | 9,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,369 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-68,000 | 9,512 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $839,000 | 9,992 |
| Total interest expense | $364,000 | 9,954 |
| Net interest income | $475,000 | 9,966 |
| Provision for loan and lease losses | $243,000 | 3,049 |
| Total noninterest income | $73,000 | 9,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 7,728 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,931 |
| Total noninterest expense | $402,000 | 10,051 |
| Salaries and employee benefits | $217,000 | 10,033 |
| Premises and equipment expense | $57,000 | 9,657 |
| Additional noninterest expense | $128,000 | 9,882 |
| Pre-tax net operating income | $-97,000 | 9,912 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-32,000 | 10,091 |
| Income before extraordinary items | $-65,000 | 9,921 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-65,000 | 9,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 2,149 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-65,000 | 9,880 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $975,000 | 10,325 |
| Total interest expense | $362,000 | 10,412 |
| Net interest income | $613,000 | 10,155 |
| Provision for loan and lease losses | $194,000 | 3,523 |
| Total noninterest income | $84,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $68,000 | 7,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,083 |
| Total noninterest expense | $384,000 | 10,519 |
| Salaries and employee benefits | $232,000 | 10,382 |
| Premises and equipment expense | $52,000 | 10,154 |
| Additional noninterest expense | $100,000 | 10,538 |
| Pre-tax net operating income | $119,000 | 9,995 |
| Securities gains (losses) | $-14,000 | 10,204 |
| Applicable income taxes | $41,000 | 9,392 |
| Income before extraordinary items | $64,000 | 10,163 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $64,000 | 10,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,304 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $72,960 | 10,080 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $985,000 | 10,838 |
| Total interest expense | $391,000 | 10,895 |
| Net interest income | $594,000 | 10,668 |
| Provision for loan and lease losses | $45,000 | 6,812 |
| Total noninterest income | $110,000 | 9,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $74,000 | 8,175 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,538 |
| Total noninterest expense | $413,000 | 10,927 |
| Salaries and employee benefits | $254,000 | 10,692 |
| Premises and equipment expense | $55,000 | 10,490 |
| Additional noninterest expense | $104,000 | 11,053 |
| Pre-tax net operating income | $246,000 | 9,509 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $91,000 | 8,903 |
| Income before extraordinary items | $155,000 | 9,735 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $155,000 | 9,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,815 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $155,000 | 9,672 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $938,000 | 11,379 |
| Total interest expense | $389,000 | 11,365 |
| Net interest income | $549,000 | 11,274 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $101,000 | 10,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,206 |
| Total noninterest expense | $407,000 | 11,407 |
| Salaries and employee benefits | $236,000 | 11,259 |
| Premises and equipment expense | $57,000 | 10,880 |
| Additional noninterest expense | $114,000 | 11,478 |
| Pre-tax net operating income | $223,000 | 10,308 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $91,000 | 9,373 |
| Income before extraordinary items | $132,000 | 10,638 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $132,000 | 10,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,445 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $132,000 | 10,612 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $905,000 | 11,883 |
| Total interest expense | $309,000 | 12,004 |
| Net interest income | $596,000 | 11,720 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $91,000 | 10,969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 9,141 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,111 |
| Total noninterest expense | $392,000 | 12,073 |
| Salaries and employee benefits | $219,000 | 11,929 |
| Premises and equipment expense | $58,000 | 11,368 |
| Additional noninterest expense | $115,000 | 12,162 |
| Pre-tax net operating income | $265,000 | 10,375 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $92,000 | 9,543 |
| Income before extraordinary items | $173,000 | 10,582 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $173,000 | 10,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,043 |
| Cash dividends | $150,000 | 6,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $173,000 | 10,620 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $904,000 | 12,498 |
| Total interest expense | $311,000 | 12,632 |
| Net interest income | $593,000 | 12,235 |
| Provision for loan and lease losses | $15,000 | 9,365 |
| Total noninterest income | $94,000 | 11,460 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 9,580 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $387,000 | 12,701 |
| Salaries and employee benefits | $215,000 | 12,497 |
| Premises and equipment expense | $53,000 | 12,113 |
| Additional noninterest expense | $119,000 | 12,770 |
| Pre-tax net operating income | $285,000 | 10,361 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $102,000 | 9,679 |
| Income before extraordinary items | $183,000 | 10,830 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $183,000 | 10,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $125,000 | 6,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $183,000 | 10,617 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $974,000 | 13,068 |
| Total interest expense | $394,000 | 13,199 |
| Net interest income | $580,000 | 12,797 |
| Provision for loan and lease losses | $45,000 | 9,299 |
| Total noninterest income | $81,000 | 12,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 10,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 12,093 |
| Total noninterest expense | $361,000 | 13,356 |
| Salaries and employee benefits | $201,000 | 13,150 |
| Premises and equipment expense | $49,000 | 12,719 |
| Additional noninterest expense | $111,000 | 13,421 |
| Pre-tax net operating income | $255,000 | 10,555 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $92,000 | 10,116 |
| Income before extraordinary items | $163,000 | 11,094 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $163,000 | 11,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 7,838 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $163,000 | 10,762 |
* 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.