Home > The Oaks Bank & Trust Company > Income and Expense
The Oaks Bank & Trust Company, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,090,000 | 4,188 |
| Total interest expense | $445,000 | 7,300 |
| Net interest income | $4,645,000 | 3,332 |
| Provision for loan and lease losses | $285,000 | 2,280 |
| Total noninterest income | $1,037,000 | 2,832 |
| Gross Fiduciary activities income | $23,000 | 1,096 |
| Service charges on deposit accounts | $828,000 | 1,565 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $186,000 | 4,766 |
| Total noninterest expense | $4,521,000 | 2,708 |
| Salaries and employee benefits | $2,640,000 | 2,541 |
| Premises and equipment expense | $545,000 | 3,117 |
| Additional noninterest expense | $1,336,000 | 2,755 |
| Pre-tax net operating income | $876,000 | 5,093 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $333,000 | 3,620 |
| Income before extraordinary items | $543,000 | 5,703 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $543,000 | 5,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 1,430 |
| Cash dividends | $1,057,000 | 1,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $543,000 | 5,665 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,097,000 | 4,416 |
| Total interest expense | $270,000 | 7,376 |
| Net interest income | $2,827,000 | 3,571 |
| Provision for loan and lease losses | $178,000 | 2,385 |
| Total noninterest income | $675,000 | 2,843 |
| Gross Fiduciary activities income | $14,000 | 1,110 |
| Service charges on deposit accounts | $537,000 | 1,563 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $124,000 | 4,729 |
| Total noninterest expense | $2,102,000 | 3,670 |
| Salaries and employee benefits | $1,294,000 | 3,347 |
| Premises and equipment expense | $291,000 | 3,708 |
| Additional noninterest expense | $517,000 | 4,259 |
| Pre-tax net operating income | $1,222,000 | 3,198 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $436,000 | 2,470 |
| Income before extraordinary items | $786,000 | 3,672 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $786,000 | 3,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 1,487 |
| Cash dividends | $461,000 | 2,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $786,000 | 3,625 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,494,000 | 4,505 |
| Total interest expense | $128,000 | 7,447 |
| Net interest income | $1,366,000 | 3,682 |
| Provision for loan and lease losses | $168,000 | 1,290 |
| Total noninterest income | $322,000 | 2,891 |
| Gross Fiduciary activities income | $6,000 | 1,124 |
| Service charges on deposit accounts | $261,000 | 1,557 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,967 |
| Total noninterest expense | $1,047,000 | 3,718 |
| Salaries and employee benefits | $634,000 | 3,404 |
| Premises and equipment expense | $135,000 | 3,965 |
| Additional noninterest expense | $278,000 | 4,035 |
| Pre-tax net operating income | $473,000 | 3,825 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $161,000 | 2,984 |
| Income before extraordinary items | $312,000 | 4,254 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $312,000 | 4,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 857 |
| Cash dividends | $230,000 | 2,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $312,000 | 4,209 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,554,000 | 4,510 |
| Total interest expense | $412,000 | 7,636 |
| Net interest income | $5,142,000 | 3,733 |
| Provision for loan and lease losses | $137,000 | 4,414 |
| Total noninterest income | $1,482,000 | 2,716 |
| Gross Fiduciary activities income | $17,000 | 1,232 |
| Service charges on deposit accounts | $1,246,000 | 1,415 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $219,000 | 4,918 |
| Total noninterest expense | $4,134,000 | 3,641 |
| Salaries and employee benefits | $2,617,000 | 3,224 |
| Premises and equipment expense | $609,000 | 3,493 |
| Additional noninterest expense | $908,000 | 4,665 |
| Pre-tax net operating income | $2,353,000 | 3,149 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $844,000 | 2,439 |
| Income before extraordinary items | $1,509,000 | 3,623 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,509,000 | 3,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $1,070,000 | 2,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,509,000 | 3,565 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,108,000 | 4,526 |
| Total interest expense | $291,000 | 7,756 |
| Net interest income | $3,817,000 | 3,740 |
| Provision for loan and lease losses | $107,000 | 4,172 |
| Total noninterest income | $1,143,000 | 2,658 |
| Gross Fiduciary activities income | $10,000 | 1,242 |
| Service charges on deposit accounts | $972,000 | 1,371 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $161,000 | 4,960 |
| Total noninterest expense | $3,119,000 | 3,593 |
| Salaries and employee benefits | $1,988,000 | 3,145 |
| Premises and equipment expense | $463,000 | 3,467 |
| Additional noninterest expense | $668,000 | 4,694 |
| Pre-tax net operating income | $1,734,000 | 3,235 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $626,000 | 2,491 |
| Income before extraordinary items | $1,108,000 | 3,750 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,108,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $839,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,108,000 | 3,674 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,723,000 | 4,555 |
| Total interest expense | $187,000 | 7,870 |
| Net interest income | $2,536,000 | 3,735 |
| Provision for loan and lease losses | $87,000 | 3,810 |
| Total noninterest income | $785,000 | 2,626 |
| Gross Fiduciary activities income | $7,000 | 1,247 |
| Service charges on deposit accounts | $670,000 | 1,318 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $108,000 | 5,008 |
| Total noninterest expense | $2,097,000 | 3,606 |
| Salaries and employee benefits | $1,350,000 | 3,121 |
| Premises and equipment expense | $313,000 | 3,429 |
| Additional noninterest expense | $434,000 | 4,801 |
| Pre-tax net operating income | $1,137,000 | 3,242 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $424,000 | 2,460 |
| Income before extraordinary items | $713,000 | 3,807 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $713,000 | 3,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,159 |
| Cash dividends | $609,000 | 1,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $713,000 | 3,717 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,316,000 | 4,681 |
| Total interest expense | $92,000 | 7,971 |
| Net interest income | $1,224,000 | 3,835 |
| Provision for loan and lease losses | $47,000 | 3,399 |
| Total noninterest income | $410,000 | 2,491 |
| Gross Fiduciary activities income | $4,000 | 1,216 |
| Service charges on deposit accounts | $350,000 | 1,219 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $56,000 | 4,886 |
| Total noninterest expense | $1,076,000 | 3,554 |
| Salaries and employee benefits | $713,000 | 2,981 |
| Premises and equipment expense | $153,000 | 3,536 |
| Additional noninterest expense | $210,000 | 4,897 |
| Pre-tax net operating income | $511,000 | 3,459 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $204,000 | 2,553 |
| Income before extraordinary items | $307,000 | 4,206 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $307,000 | 4,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,228 |
| Cash dividends | $378,000 | 1,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $307,000 | 4,084 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,997,000 | 4,901 |
| Total interest expense | $421,000 | 8,041 |
| Net interest income | $4,576,000 | 3,953 |
| Provision for loan and lease losses | $190,000 | 4,118 |
| Total noninterest income | $1,763,000 | 2,535 |
| Gross Fiduciary activities income | $8,000 | 1,392 |
| Service charges on deposit accounts | $1,473,000 | 1,182 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $282,000 | 4,633 |
| Total noninterest expense | $4,271,000 | 3,509 |
| Salaries and employee benefits | $2,715,000 | 3,037 |
| Premises and equipment expense | $636,000 | 3,359 |
| Additional noninterest expense | $920,000 | 4,554 |
| Pre-tax net operating income | $1,878,000 | 3,533 |
| Securities gains (losses) | $142,000 | 1,598 |
| Applicable income taxes | $715,000 | 2,750 |
| Income before extraordinary items | $1,305,000 | 3,904 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,305,000 | 3,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,349 |
| Cash dividends | $786,000 | 2,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,212,700 | 3,946 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,719,000 | 4,984 |
| Total interest expense | $331,000 | 8,113 |
| Net interest income | $3,388,000 | 4,013 |
| Provision for loan and lease losses | $150,000 | 3,902 |
| Total noninterest income | $1,358,000 | 2,535 |
| Gross Fiduciary activities income | $6,000 | 1,365 |
| Service charges on deposit accounts | $1,145,000 | 1,132 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $207,000 | 4,732 |
| Total noninterest expense | $3,198,000 | 3,507 |
| Salaries and employee benefits | $2,036,000 | 3,042 |
| Premises and equipment expense | $469,000 | 3,399 |
| Additional noninterest expense | $693,000 | 4,503 |
| Pre-tax net operating income | $1,398,000 | 3,669 |
| Securities gains (losses) | $142,000 | 1,463 |
| Applicable income taxes | $544,000 | 2,879 |
| Income before extraordinary items | $996,000 | 3,988 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $996,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 3,051 |
| Cash dividends | $653,000 | 2,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $903,700 | 4,097 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,452,000 | 5,051 |
| Total interest expense | $231,000 | 8,137 |
| Net interest income | $2,221,000 | 4,056 |
| Provision for loan and lease losses | $130,000 | 3,332 |
| Total noninterest income | $913,000 | 2,507 |
| Gross Fiduciary activities income | $5,000 | 1,338 |
| Service charges on deposit accounts | $765,000 | 1,113 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $143,000 | 4,655 |
| Total noninterest expense | $2,130,000 | 3,494 |
| Salaries and employee benefits | $1,357,000 | 3,044 |
| Premises and equipment expense | $309,000 | 3,398 |
| Additional noninterest expense | $464,000 | 4,487 |
| Pre-tax net operating income | $874,000 | 3,828 |
| Securities gains (losses) | $142,000 | 1,267 |
| Applicable income taxes | $356,000 | 2,929 |
| Income before extraordinary items | $660,000 | 4,033 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $660,000 | 4,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,193 |
| Cash dividends | $420,000 | 2,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $567,700 | 4,236 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,193,000 | 5,180 |
| Total interest expense | $122,000 | 8,147 |
| Net interest income | $1,071,000 | 4,187 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $495,000 | 2,295 |
| Gross Fiduciary activities income | $3,000 | 1,293 |
| Service charges on deposit accounts | $403,000 | 1,037 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $89,000 | 4,149 |
| Total noninterest expense | $1,030,000 | 3,563 |
| Salaries and employee benefits | $670,000 | 3,065 |
| Premises and equipment expense | $150,000 | 3,487 |
| Additional noninterest expense | $210,000 | 4,789 |
| Pre-tax net operating income | $506,000 | 3,456 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $178,000 | 2,900 |
| Income before extraordinary items | $328,000 | 3,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $328,000 | 3,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,045 |
| Cash dividends | $233,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $328,000 | 3,804 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,148,000 | 5,080 |
| Total interest expense | $586,000 | 8,149 |
| Net interest income | $4,562,000 | 3,946 |
| Provision for loan and lease losses | $188,000 | 4,487 |
| Total noninterest income | $1,798,000 | 2,324 |
| Gross Fiduciary activities income | $10,000 | 1,406 |
| Service charges on deposit accounts | $1,570,000 | 1,026 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $218,000 | 4,842 |
| Total noninterest expense | $4,110,000 | 3,496 |
| Salaries and employee benefits | $2,593,000 | 3,030 |
| Premises and equipment expense | $569,000 | 3,570 |
| Additional noninterest expense | $948,000 | 4,363 |
| Pre-tax net operating income | $2,062,000 | 3,351 |
| Securities gains (losses) | $99,000 | 1,763 |
| Applicable income taxes | $694,000 | 2,864 |
| Income before extraordinary items | $1,467,000 | 3,559 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,467,000 | 3,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,513 |
| Cash dividends | $1,079,000 | 2,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,399,680 | 3,578 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,750,000 | 5,121 |
| Total interest expense | $934,000 | 8,150 |
| Net interest income | $4,816,000 | 3,545 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $1,736,000 | 2,262 |
| Gross Fiduciary activities income | $9,000 | 1,449 |
| Service charges on deposit accounts | $1,534,000 | 969 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $193,000 | 5,009 |
| Total noninterest expense | $3,442,000 | 3,872 |
| Salaries and employee benefits | $2,222,000 | 3,293 |
| Premises and equipment expense | $429,000 | 4,383 |
| Additional noninterest expense | $791,000 | 4,819 |
| Pre-tax net operating income | $3,080,000 | 2,205 |
| Securities gains (losses) | $12,000 | 3,497 |
| Applicable income taxes | $1,024,000 | 2,039 |
| Income before extraordinary items | $2,068,000 | 2,450 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,068,000 | 2,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,750 |
| Cash dividends | $3,406,000 | 822 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,059,960 | 2,381 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,128,000 | 5,003 |
| Total interest expense | $1,038,000 | 8,150 |
| Net interest income | $5,090,000 | 3,416 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $1,520,000 | 2,323 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,282,000 | 1,056 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,393 |
| Total noninterest expense | $3,158,000 | 4,059 |
| Salaries and employee benefits | $1,979,000 | 3,494 |
| Premises and equipment expense | $426,000 | 4,300 |
| Additional noninterest expense | $753,000 | 4,928 |
| Pre-tax net operating income | $3,332,000 | 2,169 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $1,240,000 | 1,782 |
| Income before extraordinary items | $2,088,000 | 2,455 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,088,000 | 2,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,889 |
| Cash dividends | $914,000 | 2,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,090,560 | 2,460 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,227,000 | 5,408 |
| Total interest expense | $794,000 | 8,697 |
| Net interest income | $4,433,000 | 3,838 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $1,298,000 | 2,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,096,000 | 1,211 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 4,920 |
| Total noninterest expense | $2,820,000 | 4,445 |
| Salaries and employee benefits | $1,694,000 | 3,934 |
| Premises and equipment expense | $388,000 | 4,647 |
| Additional noninterest expense | $738,000 | 5,064 |
| Pre-tax net operating income | $2,911,000 | 2,480 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $1,050,000 | 2,138 |
| Income before extraordinary items | $1,862,000 | 2,738 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,862,000 | 2,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $739,000 | 2,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,861,360 | 2,702 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,214,000 | 5,515 |
| Total interest expense | $938,000 | 8,590 |
| Net interest income | $4,276,000 | 3,906 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $1,375,000 | 2,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,145,000 | 1,109 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,619 |
| Total noninterest expense | $2,626,000 | 4,604 |
| Salaries and employee benefits | $1,551,000 | 4,136 |
| Premises and equipment expense | $348,000 | 4,899 |
| Additional noninterest expense | $727,000 | 5,013 |
| Pre-tax net operating income | $2,989,000 | 2,387 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,005,000 | 2,305 |
| Income before extraordinary items | $1,984,000 | 2,570 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,984,000 | 2,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,584 |
| Cash dividends | $296,000 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,984,000 | 2,500 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,951,000 | 5,841 |
| Total interest expense | $973,000 | 8,762 |
| Net interest income | $3,978,000 | 4,256 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $1,343,000 | 2,409 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $946,000 | 1,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $397,000 | 3,298 |
| Total noninterest expense | $2,513,000 | 4,765 |
| Salaries and employee benefits | $1,450,000 | 4,368 |
| Premises and equipment expense | $289,000 | 5,557 |
| Additional noninterest expense | $774,000 | 4,849 |
| Pre-tax net operating income | $2,793,000 | 2,651 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $985,000 | 2,462 |
| Income before extraordinary items | $1,808,000 | 2,816 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,808,000 | 2,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,617 |
| Cash dividends | $494,000 | 3,546 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,808,000 | 2,769 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,468,000 | 6,437 |
| Total interest expense | $836,000 | 9,523 |
| Net interest income | $3,632,000 | 4,679 |
| Provision for loan and lease losses | $25,000 | 7,649 |
| Total noninterest income | $1,155,000 | 2,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $850,000 | 1,576 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $305,000 | 4,034 |
| Total noninterest expense | $2,379,000 | 5,213 |
| Salaries and employee benefits | $1,388,000 | 4,613 |
| Premises and equipment expense | $302,000 | 5,569 |
| Additional noninterest expense | $689,000 | 5,805 |
| Pre-tax net operating income | $2,383,000 | 2,907 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $849,000 | 2,701 |
| Income before extraordinary items | $1,534,000 | 3,131 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,534,000 | 3,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,270 |
| Cash dividends | $657,000 | 2,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,534,000 | 3,089 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,003,000 | 6,999 |
| Total interest expense | $760,000 | 10,093 |
| Net interest income | $3,243,000 | 5,172 |
| Provision for loan and lease losses | $70,000 | 5,409 |
| Total noninterest income | $1,010,000 | 3,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $780,000 | 1,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,721 |
| Total noninterest expense | $2,400,000 | 5,175 |
| Salaries and employee benefits | $1,222,000 | 5,133 |
| Premises and equipment expense | $349,000 | 5,039 |
| Additional noninterest expense | $829,000 | 5,112 |
| Pre-tax net operating income | $1,783,000 | 3,871 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $644,000 | 3,477 |
| Income before extraordinary items | $1,139,000 | 4,120 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,139,000 | 4,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $619,000 | 2,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,139,000 | 4,107 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,089,000 | 7,903 |
| Total interest expense | $549,000 | 10,852 |
| Net interest income | $2,540,000 | 6,389 |
| Provision for loan and lease losses | $103,000 | 4,489 |
| Total noninterest income | $827,000 | 3,614 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $613,000 | 2,218 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $214,000 | 5,051 |
| Total noninterest expense | $2,171,000 | 5,820 |
| Salaries and employee benefits | $1,128,000 | 5,533 |
| Premises and equipment expense | $308,000 | 5,604 |
| Additional noninterest expense | $735,000 | 6,092 |
| Pre-tax net operating income | $1,093,000 | 5,592 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $397,000 | 4,794 |
| Income before extraordinary items | $696,000 | 5,938 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $696,000 | 5,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,658 |
| Cash dividends | $358,000 | 4,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $696,000 | 5,999 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,576,000 | 9,047 |
| Total interest expense | $504,000 | 11,662 |
| Net interest income | $2,072,000 | 7,474 |
| Provision for loan and lease losses | $65,000 | 6,791 |
| Total noninterest income | $771,000 | 4,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $605,000 | 2,285 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 6,237 |
| Total noninterest expense | $1,923,000 | 6,548 |
| Salaries and employee benefits | $963,000 | 6,345 |
| Premises and equipment expense | $249,000 | 6,692 |
| Additional noninterest expense | $711,000 | 6,481 |
| Pre-tax net operating income | $855,000 | 6,548 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $288,000 | 6,233 |
| Income before extraordinary items | $567,000 | 7,032 |
| Extraordinary gains, net | $-23,000 | 12,488 |
| Net income | $544,000 | 7,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 5,571 |
| Cash dividends | $388,000 | 3,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $567,000 | 6,770 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,586,000 | 9,751 |
| Total interest expense | $675,000 | 11,949 |
| Net interest income | $1,911,000 | 7,997 |
| Provision for loan and lease losses | $169,000 | 5,776 |
| Total noninterest income | $762,000 | 4,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $615,000 | 2,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $147,000 | 6,714 |
| Total noninterest expense | $1,916,000 | 6,613 |
| Salaries and employee benefits | $890,000 | 6,679 |
| Premises and equipment expense | $238,000 | 7,007 |
| Additional noninterest expense | $788,000 | 6,146 |
| Pre-tax net operating income | $588,000 | 7,804 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $199,000 | 7,581 |
| Income before extraordinary items | $389,000 | 8,328 |
| Extraordinary gains, net | $101,000 | 742 |
| Net income | $490,000 | 7,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 4,970 |
| Cash dividends | $346,000 | 3,693 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $389,000 | 7,972 |
* 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.