Home > The National Bank of Davis > Income and Expense
The National Bank of Davis, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $891,000 | 8,228 |
| Total interest expense | $179,000 | 8,351 |
| Net interest income | $712,000 | 8,060 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $83,000 | 7,869 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $32,000 | 7,231 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $51,000 | 7,043 |
| Total noninterest expense | $689,000 | 7,866 |
| Salaries and employee benefits | $304,000 | 8,176 |
| Premises and equipment expense | $138,000 | 6,891 |
| Additional noninterest expense | $247,000 | 7,460 |
| Pre-tax net operating income | $106,000 | 7,992 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $6,000 | 6,656 |
| Income before extraordinary items | $101,000 | 7,961 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $101,000 | 7,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,463 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $100,060 | 7,935 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $585,000 | 8,245 |
| Total interest expense | $120,000 | 8,334 |
| Net interest income | $465,000 | 8,114 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $55,000 | 7,872 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $21,000 | 7,247 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $34,000 | 7,018 |
| Total noninterest expense | $466,000 | 7,861 |
| Salaries and employee benefits | $206,000 | 8,155 |
| Premises and equipment expense | $93,000 | 6,847 |
| Additional noninterest expense | $167,000 | 7,438 |
| Pre-tax net operating income | $54,000 | 8,112 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $54,000 | 8,074 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $54,000 | 8,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $54,000 | 8,040 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $288,000 | 8,320 |
| Total interest expense | $62,000 | 8,358 |
| Net interest income | $226,000 | 8,230 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $27,000 | 7,907 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $9,000 | 7,376 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 7,012 |
| Total noninterest expense | $231,000 | 7,941 |
| Salaries and employee benefits | $98,000 | 8,291 |
| Premises and equipment expense | $53,000 | 6,627 |
| Additional noninterest expense | $80,000 | 7,570 |
| Pre-tax net operating income | $22,000 | 8,236 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $22,000 | 8,218 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $22,000 | 8,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $22,000 | 8,194 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,202,000 | 8,215 |
| Total interest expense | $271,000 | 8,212 |
| Net interest income | $931,000 | 8,126 |
| Provision for loan and lease losses | $15,000 | 6,861 |
| Total noninterest income | $101,000 | 8,076 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $48,000 | 7,325 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $53,000 | 7,335 |
| Total noninterest expense | $889,000 | 8,003 |
| Salaries and employee benefits | $411,000 | 8,268 |
| Premises and equipment expense | $183,000 | 6,946 |
| Additional noninterest expense | $295,000 | 7,730 |
| Pre-tax net operating income | $128,000 | 8,026 |
| Securities gains (losses) | $-29,000 | 8,478 |
| Applicable income taxes | $-11,000 | 8,584 |
| Income before extraordinary items | $110,000 | 8,042 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $110,000 | 8,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $25,000 | 6,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $139,000 | 7,883 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $904,000 | 8,251 |
| Total interest expense | $202,000 | 8,250 |
| Net interest income | $702,000 | 8,151 |
| Provision for loan and lease losses | $11,000 | 6,669 |
| Total noninterest income | $76,000 | 8,124 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $36,000 | 7,361 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $40,000 | 7,356 |
| Total noninterest expense | $653,000 | 8,038 |
| Salaries and employee benefits | $297,000 | 8,294 |
| Premises and equipment expense | $137,000 | 6,933 |
| Additional noninterest expense | $219,000 | 7,752 |
| Pre-tax net operating income | $114,000 | 8,059 |
| Securities gains (losses) | $-28,000 | 8,721 |
| Applicable income taxes | $5,000 | 6,948 |
| Income before extraordinary items | $81,000 | 8,180 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $81,000 | 8,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $107,320 | 7,979 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $610,000 | 8,290 |
| Total interest expense | $139,000 | 8,276 |
| Net interest income | $471,000 | 8,205 |
| Provision for loan and lease losses | $5,000 | 6,663 |
| Total noninterest income | $49,000 | 8,203 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $23,000 | 7,421 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $438,000 | 8,075 |
| Salaries and employee benefits | $200,000 | 8,341 |
| Premises and equipment expense | $95,000 | 6,896 |
| Additional noninterest expense | $143,000 | 7,815 |
| Pre-tax net operating income | $77,000 | 8,080 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $3,000 | 6,985 |
| Income before extraordinary items | $72,000 | 8,058 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $72,000 | 8,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,683 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $73,920 | 7,991 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $305,000 | 8,333 |
| Total interest expense | $72,000 | 8,313 |
| Net interest income | $233,000 | 8,248 |
| Provision for loan and lease losses | $2,000 | 6,358 |
| Total noninterest income | $26,000 | 8,131 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $11,000 | 7,439 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $221,000 | 8,092 |
| Salaries and employee benefits | $95,000 | 8,451 |
| Premises and equipment expense | $54,000 | 6,592 |
| Additional noninterest expense | $72,000 | 7,841 |
| Pre-tax net operating income | $36,000 | 8,100 |
| Securities gains (losses) | $-2,000 | 8,748 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $34,000 | 8,076 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $34,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $36,000 | 7,985 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,270,000 | 8,317 |
| Total interest expense | $372,000 | 8,206 |
| Net interest income | $898,000 | 8,266 |
| Provision for loan and lease losses | $24,000 | 6,956 |
| Total noninterest income | $115,000 | 8,161 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $50,000 | 7,429 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $65,000 | 7,218 |
| Total noninterest expense | $847,000 | 8,177 |
| Salaries and employee benefits | $398,000 | 8,412 |
| Premises and equipment expense | $178,000 | 7,051 |
| Additional noninterest expense | $271,000 | 7,954 |
| Pre-tax net operating income | $142,000 | 8,044 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $2,000 | 7,318 |
| Income before extraordinary items | $143,000 | 8,037 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $143,000 | 8,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $50,000 | 5,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $140,030 | 7,934 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $918,000 | 8,462 |
| Total interest expense | $293,000 | 8,268 |
| Net interest income | $625,000 | 8,440 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $85,000 | 8,225 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $39,000 | 7,458 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $46,000 | 7,333 |
| Total noninterest expense | $611,000 | 8,245 |
| Salaries and employee benefits | $288,000 | 8,469 |
| Premises and equipment expense | $131,000 | 7,100 |
| Additional noninterest expense | $192,000 | 8,066 |
| Pre-tax net operating income | $81,000 | 8,322 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $3,000 | 7,331 |
| Income before extraordinary items | $80,000 | 8,347 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $80,000 | 8,349 |
| 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 | $78,080 | 8,243 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $626,000 | 8,485 |
| Total interest expense | $205,000 | 8,302 |
| Net interest income | $421,000 | 8,452 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $57,000 | 8,206 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $26,000 | 7,472 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $31,000 | 7,275 |
| Total noninterest expense | $411,000 | 8,245 |
| Salaries and employee benefits | $193,000 | 8,506 |
| Premises and equipment expense | $76,000 | 7,385 |
| Additional noninterest expense | $142,000 | 7,878 |
| Pre-tax net operating income | $55,000 | 8,339 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $55,000 | 8,374 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $55,000 | 8,375 |
| 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 | $55,000 | 8,243 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $317,000 | 8,540 |
| Total interest expense | $106,000 | 8,351 |
| Net interest income | $211,000 | 8,496 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $31,000 | 8,103 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $213,000 | 8,233 |
| Salaries and employee benefits | $102,000 | 8,477 |
| Premises and equipment expense | $46,000 | 7,010 |
| Additional noninterest expense | $65,000 | 8,081 |
| Pre-tax net operating income | $23,000 | 8,412 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $23,000 | 8,430 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $23,000 | 8,428 |
| 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 | $23,000 | 8,302 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,320,000 | 8,569 |
| Total interest expense | $452,000 | 8,513 |
| Net interest income | $868,000 | 8,476 |
| Provision for loan and lease losses | $24,000 | 7,371 |
| Total noninterest income | $108,000 | 8,300 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $52,000 | 7,490 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $56,000 | 7,449 |
| Total noninterest expense | $824,000 | 8,298 |
| Salaries and employee benefits | $397,000 | 8,521 |
| Premises and equipment expense | $146,000 | 7,500 |
| Additional noninterest expense | $281,000 | 7,940 |
| Pre-tax net operating income | $128,000 | 8,205 |
| Securities gains (losses) | $3,000 | 4,139 |
| Applicable income taxes | $10,000 | 7,292 |
| Income before extraordinary items | $121,000 | 8,230 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $121,000 | 8,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,276 |
| Cash dividends | $40,000 | 6,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $118,240 | 8,140 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,321,000 | 8,886 |
| Total interest expense | $501,000 | 9,012 |
| Net interest income | $820,000 | 8,626 |
| Provision for loan and lease losses | $24,000 | 7,420 |
| Total noninterest income | $103,000 | 8,463 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $48,000 | 7,644 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $55,000 | 7,544 |
| Total noninterest expense | $773,000 | 8,520 |
| Salaries and employee benefits | $367,000 | 8,765 |
| Premises and equipment expense | $138,000 | 7,719 |
| Additional noninterest expense | $268,000 | 8,090 |
| Pre-tax net operating income | $126,000 | 8,205 |
| Securities gains (losses) | $-1,000 | 9,012 |
| Applicable income taxes | $33,000 | 7,012 |
| Income before extraordinary items | $92,000 | 8,388 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $92,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $40,000 | 6,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $92,740 | 8,282 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,309,000 | 9,140 |
| Total interest expense | $494,000 | 9,258 |
| Net interest income | $815,000 | 8,865 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $188,000 | 7,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 7,707 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 5,630 |
| Total noninterest expense | $720,000 | 8,770 |
| Salaries and employee benefits | $360,000 | 8,946 |
| Premises and equipment expense | $115,000 | 8,191 |
| Additional noninterest expense | $245,000 | 8,381 |
| Pre-tax net operating income | $247,000 | 8,146 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $67,000 | 6,976 |
| Income before extraordinary items | $180,000 | 8,197 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $180,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,537 |
| Cash dividends | $38,000 | 6,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $180,000 | 8,203 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,240,000 | 9,378 |
| Total interest expense | $484,000 | 9,471 |
| Net interest income | $756,000 | 9,162 |
| Provision for loan and lease losses | $24,000 | 7,475 |
| Total noninterest income | $61,000 | 9,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 8,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,255 |
| Total noninterest expense | $677,000 | 9,094 |
| Salaries and employee benefits | $346,000 | 9,221 |
| Premises and equipment expense | $101,000 | 8,608 |
| Additional noninterest expense | $230,000 | 8,752 |
| Pre-tax net operating income | $116,000 | 8,995 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $25,000 | 8,122 |
| Income before extraordinary items | $91,000 | 9,030 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $91,000 | 9,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,930 |
| Cash dividends | $40,000 | 6,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $91,000 | 8,996 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,240,000 | 9,609 |
| Total interest expense | $480,000 | 9,733 |
| Net interest income | $760,000 | 9,357 |
| Provision for loan and lease losses | $24,000 | 7,567 |
| Total noninterest income | $56,000 | 9,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 8,358 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,525 |
| Total noninterest expense | $669,000 | 9,202 |
| Salaries and employee benefits | $351,000 | 9,290 |
| Premises and equipment expense | $120,000 | 8,264 |
| Additional noninterest expense | $198,000 | 9,143 |
| Pre-tax net operating income | $123,000 | 9,315 |
| Securities gains (losses) | $-19,000 | 10,284 |
| Applicable income taxes | $23,000 | 8,827 |
| Income before extraordinary items | $81,000 | 9,458 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $81,000 | 9,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $30,000 | 7,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $95,820 | 9,307 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,185,000 | 10,088 |
| Total interest expense | $431,000 | 10,263 |
| Net interest income | $754,000 | 9,793 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $48,000 | 10,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 8,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,252 |
| Total noninterest expense | $628,000 | 9,636 |
| Salaries and employee benefits | $336,000 | 9,690 |
| Premises and equipment expense | $92,000 | 9,159 |
| Additional noninterest expense | $200,000 | 9,408 |
| Pre-tax net operating income | $156,000 | 9,813 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $39,000 | 9,426 |
| Income before extraordinary items | $117,000 | 9,859 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $117,000 | 9,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $50,000 | 7,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $117,000 | 9,813 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,126,000 | 10,633 |
| Total interest expense | $401,000 | 10,873 |
| Net interest income | $725,000 | 10,311 |
| Provision for loan and lease losses | $18,000 | 8,074 |
| Total noninterest income | $57,000 | 10,730 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 9,214 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $21,000 | 10,346 |
| Total noninterest expense | $620,000 | 10,094 |
| Salaries and employee benefits | $320,000 | 10,183 |
| Premises and equipment expense | $98,000 | 9,349 |
| Additional noninterest expense | $202,000 | 9,911 |
| Pre-tax net operating income | $144,000 | 10,118 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $35,000 | 9,947 |
| Income before extraordinary items | $109,000 | 10,147 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $109,000 | 10,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,424 |
| Cash dividends | $38,000 | 7,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $109,000 | 10,091 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,137,000 | 11,057 |
| Total interest expense | $413,000 | 11,284 |
| Net interest income | $724,000 | 10,770 |
| Provision for loan and lease losses | $35,000 | 6,883 |
| Total noninterest income | $54,000 | 11,282 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 9,619 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,076 |
| Total noninterest expense | $582,000 | 10,651 |
| Salaries and employee benefits | $288,000 | 10,853 |
| Premises and equipment expense | $87,000 | 10,006 |
| Additional noninterest expense | $207,000 | 10,333 |
| Pre-tax net operating income | $161,000 | 10,709 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $45,000 | 10,268 |
| Income before extraordinary items | $116,000 | 10,785 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $116,000 | 10,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $37,000 | 8,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $116,000 | 10,752 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 11,619 |
| Total interest expense | $415,000 | 11,504 |
| Net interest income | $634,000 | 11,598 |
| Provision for loan and lease losses | $27,000 | 7,330 |
| Total noninterest income | $51,000 | 11,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 10,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,301 |
| Total noninterest expense | $567,000 | 11,280 |
| Salaries and employee benefits | $266,000 | 11,513 |
| Premises and equipment expense | $86,000 | 10,464 |
| Additional noninterest expense | $215,000 | 10,959 |
| Pre-tax net operating income | $91,000 | 11,682 |
| Securities gains (losses) | $9,000 | 2,280 |
| Applicable income taxes | $22,000 | 11,114 |
| Income before extraordinary items | $78,000 | 11,588 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $78,000 | 11,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $70,980 | 11,694 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,005,000 | 12,281 |
| Total interest expense | $413,000 | 12,163 |
| Net interest income | $592,000 | 12,239 |
| Provision for loan and lease losses | $42,000 | 7,871 |
| Total noninterest income | $69,000 | 12,094 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 10,537 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,102 |
| Total noninterest expense | $535,000 | 11,987 |
| Salaries and employee benefits | $254,000 | 12,146 |
| Premises and equipment expense | $83,000 | 11,040 |
| Additional noninterest expense | $198,000 | 11,755 |
| Pre-tax net operating income | $84,000 | 11,972 |
| Securities gains (losses) | $-10,000 | 12,776 |
| Applicable income taxes | $13,000 | 11,760 |
| Income before extraordinary items | $61,000 | 12,170 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $61,000 | 12,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 5,605 |
| Cash dividends | $38,000 | 8,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $69,200 | 11,937 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,051,000 | 12,929 |
| Total interest expense | $468,000 | 12,893 |
| Net interest income | $583,000 | 12,784 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $55,000 | 12,991 |
| 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 | $21,000 | 12,470 |
| Total noninterest expense | $518,000 | 12,537 |
| Salaries and employee benefits | $236,000 | 12,758 |
| Premises and equipment expense | $91,000 | 11,073 |
| Additional noninterest expense | $191,000 | 12,354 |
| Pre-tax net operating income | $84,000 | 12,172 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $18,000 | 12,166 |
| Income before extraordinary items | $67,000 | 12,381 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $67,000 | 12,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 9,616 |
| Cash dividends | $50,000 | 7,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $66,210 | 12,103 |
* 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.