Home > The First National Bank of Shelby > Income and Expense
The First National Bank of Shelby, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,163,000 | 2,580 |
| Total interest expense | $1,792,000 | 3,110 |
| Net interest income | $6,371,000 | 2,381 |
| Provision for loan and lease losses | $2,412,000 | 363 |
| Total noninterest income | $724,000 | 3,649 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $519,000 | 2,422 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $205,000 | 4,448 |
| Total noninterest expense | $5,435,000 | 2,182 |
| Salaries and employee benefits | $2,240,000 | 2,824 |
| Premises and equipment expense | $374,000 | 4,078 |
| Additional noninterest expense | $2,821,000 | 1,317 |
| Pre-tax net operating income | $-752,000 | 8,843 |
| Securities gains (losses) | $-147,000 | 8,925 |
| Applicable income taxes | $-283,000 | 8,938 |
| Income before extraordinary items | $-616,000 | 8,847 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-616,000 | 8,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 926 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-514,570 | 8,794 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,717,000 | 2,454 |
| Total interest expense | $1,253,000 | 2,980 |
| Net interest income | $4,464,000 | 2,246 |
| Provision for loan and lease losses | $1,490,000 | 392 |
| Total noninterest income | $474,000 | 3,703 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $336,000 | 2,480 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $138,000 | 4,473 |
| Total noninterest expense | $3,452,000 | 2,300 |
| Salaries and employee benefits | $1,542,000 | 2,762 |
| Premises and equipment expense | $248,000 | 4,102 |
| Additional noninterest expense | $1,662,000 | 1,455 |
| Pre-tax net operating income | $-4,000 | 8,538 |
| Securities gains (losses) | $-147,000 | 8,993 |
| Applicable income taxes | $-59,000 | 8,899 |
| Income before extraordinary items | $-92,000 | 8,714 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-92,000 | 8,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 1,345 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,080 | 8,504 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,788,000 | 2,510 |
| Total interest expense | $665,000 | 2,872 |
| Net interest income | $2,123,000 | 2,349 |
| Provision for loan and lease losses | $1,180,000 | 289 |
| Total noninterest income | $248,000 | 3,546 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $168,000 | 2,432 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $80,000 | 4,184 |
| Total noninterest expense | $1,681,000 | 2,367 |
| Salaries and employee benefits | $767,000 | 2,798 |
| Premises and equipment expense | $120,000 | 4,238 |
| Additional noninterest expense | $794,000 | 1,515 |
| Pre-tax net operating income | $-490,000 | 9,031 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-169,000 | 9,059 |
| Income before extraordinary items | $-321,000 | 9,007 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-321,000 | 9,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,722 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-321,000 | 8,982 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,902,000 | 2,221 |
| Total interest expense | $3,832,000 | 2,306 |
| Net interest income | $9,070,000 | 2,144 |
| Provision for loan and lease losses | $6,800,000 | 270 |
| Total noninterest income | $1,316,000 | 3,109 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $748,000 | 2,243 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $568,000 | 3,361 |
| Total noninterest expense | $7,790,000 | 2,025 |
| Salaries and employee benefits | $3,308,000 | 2,533 |
| Premises and equipment expense | $562,000 | 3,700 |
| Additional noninterest expense | $3,920,000 | 1,263 |
| Pre-tax net operating income | $-4,204,000 | 9,132 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-1,445,000 | 9,149 |
| Income before extraordinary items | $-2,759,000 | 9,142 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-2,759,000 | 9,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,487,000 | 235 |
| Cash dividends | $300,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-2,759,000 | 9,111 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,120,000 | 2,137 |
| Total interest expense | $3,066,000 | 2,246 |
| Net interest income | $7,054,000 | 2,093 |
| Provision for loan and lease losses | $5,252,000 | 270 |
| Total noninterest income | $1,023,000 | 3,085 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $557,000 | 2,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $466,000 | 3,255 |
| Total noninterest expense | $5,393,000 | 2,182 |
| Salaries and employee benefits | $2,431,000 | 2,593 |
| Premises and equipment expense | $201,000 | 5,994 |
| Additional noninterest expense | $2,761,000 | 1,333 |
| Pre-tax net operating income | $-2,568,000 | 9,175 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $-743,000 | 9,189 |
| Income before extraordinary items | $-1,825,000 | 9,184 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,825,000 | 9,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,940,000 | 276 |
| Cash dividends | $300,000 | 3,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-1,825,000 | 9,150 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,977,000 | 2,087 |
| Total interest expense | $2,173,000 | 2,195 |
| Net interest income | $4,804,000 | 2,036 |
| Provision for loan and lease losses | $4,351,000 | 228 |
| Total noninterest income | $662,000 | 3,123 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $366,000 | 2,263 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $296,000 | 3,319 |
| Total noninterest expense | $3,369,000 | 2,330 |
| Salaries and employee benefits | $1,608,000 | 2,617 |
| Premises and equipment expense | $176,000 | 5,120 |
| Additional noninterest expense | $1,585,000 | 1,535 |
| Pre-tax net operating income | $-2,254,000 | 9,221 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-907,000 | 9,241 |
| Income before extraordinary items | $-1,347,000 | 9,230 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,347,000 | 9,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,160,000 | 245 |
| Cash dividends | $300,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-1,347,000 | 9,193 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,639,000 | 2,009 |
| Total interest expense | $1,135,000 | 2,155 |
| Net interest income | $2,504,000 | 1,949 |
| Provision for loan and lease losses | $520,000 | 607 |
| Total noninterest income | $329,000 | 3,046 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $180,000 | 2,223 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $149,000 | 3,225 |
| Total noninterest expense | $1,650,000 | 2,355 |
| Salaries and employee benefits | $795,000 | 2,638 |
| Premises and equipment expense | $63,000 | 6,146 |
| Additional noninterest expense | $792,000 | 1,492 |
| Pre-tax net operating income | $663,000 | 2,860 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $221,000 | 2,535 |
| Income before extraordinary items | $442,000 | 3,219 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $442,000 | 3,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 657 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $442,000 | 3,060 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $15,561,000 | 1,985 |
| Total interest expense | $5,367,000 | 2,093 |
| Net interest income | $10,194,000 | 1,907 |
| Provision for loan and lease losses | $3,583,000 | 486 |
| Total noninterest income | $1,453,000 | 2,679 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $642,000 | 2,438 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $811,000 | 2,484 |
| Total noninterest expense | $6,567,000 | 2,274 |
| Salaries and employee benefits | $3,150,000 | 2,509 |
| Premises and equipment expense | $502,000 | 3,925 |
| Additional noninterest expense | $2,915,000 | 1,622 |
| Pre-tax net operating income | $1,497,000 | 4,126 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $480,000 | 3,534 |
| Income before extraordinary items | $1,017,000 | 4,544 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,017,000 | 4,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,309,000 | 521 |
| Cash dividends | $1,125,000 | 2,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,017,000 | 4,425 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,108,000 | 1,893 |
| Total interest expense | $7,032,000 | 2,281 |
| Net interest income | $11,076,000 | 1,606 |
| Provision for loan and lease losses | $840,000 | 1,441 |
| Total noninterest income | $769,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $385,000 | 3,508 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $384,000 | 3,624 |
| Total noninterest expense | $6,345,000 | 2,256 |
| Salaries and employee benefits | $3,213,000 | 2,332 |
| Premises and equipment expense | $509,000 | 3,815 |
| Additional noninterest expense | $2,623,000 | 1,747 |
| Pre-tax net operating income | $4,660,000 | 1,544 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,510,000 | 1,487 |
| Income before extraordinary items | $3,150,000 | 1,667 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,150,000 | 1,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $729,000 | 1,180 |
| Cash dividends | $1,025,000 | 2,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,150,000 | 1,600 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,022,000 | 1,951 |
| Total interest expense | $6,961,000 | 2,417 |
| Net interest income | $11,061,000 | 1,582 |
| Provision for loan and lease losses | $787,000 | 1,292 |
| Total noninterest income | $701,000 | 3,990 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $316,000 | 3,907 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $385,000 | 3,445 |
| Total noninterest expense | $6,287,000 | 2,190 |
| Salaries and employee benefits | $3,203,000 | 2,234 |
| Premises and equipment expense | $499,000 | 3,798 |
| Additional noninterest expense | $2,585,000 | 1,719 |
| Pre-tax net operating income | $4,688,000 | 1,577 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,547,000 | 1,472 |
| Income before extraordinary items | $3,141,000 | 1,672 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,141,000 | 1,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $786,000 | 889 |
| Cash dividends | $925,000 | 2,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,141,000 | 1,667 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $16,196,000 | 1,997 |
| Total interest expense | $5,917,000 | 2,495 |
| Net interest income | $10,279,000 | 1,693 |
| Provision for loan and lease losses | $600,000 | 1,498 |
| Total noninterest income | $1,059,000 | 2,962 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $285,000 | 4,124 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $774,000 | 2,203 |
| Total noninterest expense | $5,901,000 | 2,312 |
| Salaries and employee benefits | $2,924,000 | 2,398 |
| Premises and equipment expense | $452,000 | 4,105 |
| Additional noninterest expense | $2,525,000 | 1,754 |
| Pre-tax net operating income | $4,837,000 | 1,555 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,614,000 | 1,494 |
| Income before extraordinary items | $3,223,000 | 1,653 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,223,000 | 1,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 1,243 |
| Cash dividends | $825,000 | 2,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,223,000 | 1,629 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,900,000 | 2,196 |
| Total interest expense | $5,745,000 | 2,641 |
| Net interest income | $9,155,000 | 1,866 |
| Provision for loan and lease losses | $550,000 | 1,597 |
| Total noninterest income | $701,000 | 3,985 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $259,000 | 4,381 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $442,000 | 3,227 |
| Total noninterest expense | $5,129,000 | 2,533 |
| Salaries and employee benefits | $2,600,000 | 2,601 |
| Premises and equipment expense | $363,000 | 4,762 |
| Additional noninterest expense | $2,166,000 | 1,952 |
| Pre-tax net operating income | $4,177,000 | 1,752 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,363,000 | 1,779 |
| Income before extraordinary items | $2,814,000 | 1,867 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,814,000 | 1,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 1,503 |
| Cash dividends | $4,240,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,814,000 | 1,787 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,178,000 | 2,299 |
| Total interest expense | $5,441,000 | 2,754 |
| Net interest income | $8,737,000 | 1,992 |
| Provision for loan and lease losses | $600,000 | 1,510 |
| Total noninterest income | $652,000 | 4,182 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $255,000 | 4,591 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $397,000 | 3,298 |
| Total noninterest expense | $4,725,000 | 2,714 |
| Salaries and employee benefits | $2,530,000 | 2,610 |
| Premises and equipment expense | $397,000 | 4,472 |
| Additional noninterest expense | $1,798,000 | 2,311 |
| Pre-tax net operating income | $4,064,000 | 1,861 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,329,000 | 1,901 |
| Income before extraordinary items | $2,735,000 | 1,925 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,735,000 | 1,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $563,000 | 1,229 |
| Cash dividends | $896,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,735,000 | 1,870 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,592,000 | 2,455 |
| Total interest expense | $5,289,000 | 2,865 |
| Net interest income | $8,303,000 | 2,170 |
| Provision for loan and lease losses | $420,000 | 2,004 |
| Total noninterest income | $629,000 | 4,422 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $259,000 | 4,701 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $370,000 | 3,554 |
| Total noninterest expense | $4,632,000 | 2,938 |
| Salaries and employee benefits | $2,443,000 | 2,760 |
| Premises and equipment expense | $398,000 | 4,556 |
| Additional noninterest expense | $1,791,000 | 2,708 |
| Pre-tax net operating income | $3,880,000 | 1,861 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,275,000 | 1,898 |
| Income before extraordinary items | $2,605,000 | 1,899 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,605,000 | 1,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,766 |
| Cash dividends | $5,164,000 | 651 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,605,000 | 1,863 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,848,000 | 2,601 |
| Total interest expense | $4,749,000 | 3,164 |
| Net interest income | $8,099,000 | 2,222 |
| Provision for loan and lease losses | $400,000 | 1,857 |
| Total noninterest income | $580,000 | 4,689 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $266,000 | 4,717 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $314,000 | 3,899 |
| Total noninterest expense | $4,574,000 | 2,942 |
| Salaries and employee benefits | $2,392,000 | 2,795 |
| Premises and equipment expense | $398,000 | 4,563 |
| Additional noninterest expense | $1,784,000 | 2,649 |
| Pre-tax net operating income | $3,705,000 | 1,984 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,177,000 | 2,063 |
| Income before extraordinary items | $2,528,000 | 1,991 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,528,000 | 1,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,911 |
| Cash dividends | $632,000 | 2,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,528,000 | 1,967 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $11,471,000 | 2,642 |
| Total interest expense | $3,633,000 | 3,349 |
| Net interest income | $7,838,000 | 2,295 |
| Provision for loan and lease losses | $420,000 | 1,753 |
| Total noninterest income | $608,000 | 4,610 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $267,000 | 4,793 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $341,000 | 3,776 |
| Total noninterest expense | $4,763,000 | 2,896 |
| Salaries and employee benefits | $2,318,000 | 2,854 |
| Premises and equipment expense | $455,000 | 4,118 |
| Additional noninterest expense | $1,990,000 | 2,587 |
| Pre-tax net operating income | $3,263,000 | 2,182 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,010,000 | 2,220 |
| Income before extraordinary items | $2,253,000 | 2,177 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,253,000 | 2,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 2,109 |
| Cash dividends | $597,000 | 2,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,253,000 | 2,189 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,900,000 | 2,845 |
| Total interest expense | $3,605,000 | 3,481 |
| Net interest income | $7,295,000 | 2,448 |
| Provision for loan and lease losses | $420,000 | 2,359 |
| Total noninterest income | $555,000 | 5,219 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $280,000 | 4,691 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $275,000 | 4,715 |
| Total noninterest expense | $4,530,000 | 3,099 |
| Salaries and employee benefits | $2,208,000 | 2,972 |
| Premises and equipment expense | $400,000 | 4,714 |
| Additional noninterest expense | $1,922,000 | 2,821 |
| Pre-tax net operating income | $2,900,000 | 2,366 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $881,000 | 2,556 |
| Income before extraordinary items | $2,019,000 | 2,487 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,019,000 | 2,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 2,671 |
| Cash dividends | $567,000 | 2,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,019,000 | 2,339 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,358,000 | 3,098 |
| Total interest expense | $4,630,000 | 3,545 |
| Net interest income | $6,728,000 | 2,709 |
| Provision for loan and lease losses | $420,000 | 3,347 |
| Total noninterest income | $474,000 | 5,854 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $283,000 | 4,659 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $191,000 | 5,818 |
| Total noninterest expense | $4,448,000 | 3,194 |
| Salaries and employee benefits | $2,151,000 | 2,993 |
| Premises and equipment expense | $396,000 | 4,831 |
| Additional noninterest expense | $1,901,000 | 2,918 |
| Pre-tax net operating income | $2,334,000 | 2,670 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $684,000 | 3,047 |
| Income before extraordinary items | $1,650,000 | 2,790 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,650,000 | 2,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 2,973 |
| Cash dividends | $525,000 | 2,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,650,000 | 2,581 |
* 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.