Home > The Peoples State Bank > Income and Expense
The Peoples State Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,512,000 | 4,532 |
| Total interest expense | $993,000 | 5,675 |
| Net interest income | $4,519,000 | 4,109 |
| Provision for loan and lease losses | $102,000 | 4,943 |
| Total noninterest income | $803,000 | 4,044 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $697,000 | 2,371 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $106,000 | 6,316 |
| Total noninterest expense | $4,157,000 | 3,624 |
| Salaries and employee benefits | $2,774,000 | 3,062 |
| Premises and equipment expense | $481,000 | 4,212 |
| Additional noninterest expense | $902,000 | 4,689 |
| Pre-tax net operating income | $1,063,000 | 5,083 |
| Securities gains (losses) | $-304,000 | 8,842 |
| Applicable income taxes | $215,000 | 4,663 |
| Income before extraordinary items | $544,000 | 6,186 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $544,000 | 6,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,021 |
| Cash dividends | $370,000 | 4,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $762,880 | 5,300 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,056,000 | 4,575 |
| Total interest expense | $752,000 | 5,616 |
| Net interest income | $3,304,000 | 4,167 |
| Provision for loan and lease losses | $98,000 | 4,331 |
| Total noninterest income | $604,000 | 4,058 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $521,000 | 2,413 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $83,000 | 6,238 |
| Total noninterest expense | $2,857,000 | 3,863 |
| Salaries and employee benefits | $1,769,000 | 3,486 |
| Premises and equipment expense | $414,000 | 3,778 |
| Additional noninterest expense | $674,000 | 4,665 |
| Pre-tax net operating income | $953,000 | 4,719 |
| Securities gains (losses) | $-9,000 | 8,488 |
| Applicable income taxes | $88,000 | 5,478 |
| Income before extraordinary items | $856,000 | 4,421 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $856,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,509 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $864,190 | 4,321 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,690,000 | 4,584 |
| Total interest expense | $515,000 | 5,569 |
| Net interest income | $2,175,000 | 4,220 |
| Provision for loan and lease losses | $78,000 | 3,948 |
| Total noninterest income | $423,000 | 3,966 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $362,000 | 2,326 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $61,000 | 6,105 |
| Total noninterest expense | $1,951,000 | 3,817 |
| Salaries and employee benefits | $1,205,000 | 3,429 |
| Premises and equipment expense | $279,000 | 3,763 |
| Additional noninterest expense | $467,000 | 4,550 |
| Pre-tax net operating income | $569,000 | 4,962 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $88,000 | 5,004 |
| Income before extraordinary items | $481,000 | 4,829 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $481,000 | 4,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,968 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $481,000 | 4,743 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,384,000 | 4,523 |
| Total interest expense | $266,000 | 5,540 |
| Net interest income | $1,118,000 | 4,134 |
| Provision for loan and lease losses | $42,000 | 3,681 |
| Total noninterest income | $222,000 | 3,798 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $172,000 | 2,379 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $50,000 | 5,122 |
| Total noninterest expense | $1,013,000 | 3,717 |
| Salaries and employee benefits | $620,000 | 3,362 |
| Premises and equipment expense | $145,000 | 3,675 |
| Additional noninterest expense | $248,000 | 4,344 |
| Pre-tax net operating income | $285,000 | 4,928 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $40,000 | 5,105 |
| Income before extraordinary items | $245,000 | 4,810 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $245,000 | 4,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,439 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $245,000 | 4,691 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,604,000 | 4,501 |
| Total interest expense | $1,307,000 | 5,312 |
| Net interest income | $4,297,000 | 4,143 |
| Provision for loan and lease losses | $411,000 | 2,539 |
| Total noninterest income | $915,000 | 3,910 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $766,000 | 2,191 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $149,000 | 5,835 |
| Total noninterest expense | $4,165,000 | 3,597 |
| Salaries and employee benefits | $2,562,000 | 3,219 |
| Premises and equipment expense | $553,000 | 3,757 |
| Additional noninterest expense | $1,050,000 | 4,114 |
| Pre-tax net operating income | $636,000 | 6,218 |
| Securities gains (losses) | $28,000 | 2,979 |
| Applicable income taxes | $65,000 | 6,099 |
| Income before extraordinary items | $599,000 | 5,956 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $599,000 | 5,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,559 |
| Cash dividends | $556,000 | 3,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $573,800 | 5,885 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,219,000 | 4,551 |
| Total interest expense | $1,022,000 | 5,310 |
| Net interest income | $3,197,000 | 4,192 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $685,000 | 3,990 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $574,000 | 2,213 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $111,000 | 5,889 |
| Total noninterest expense | $2,968,000 | 3,735 |
| Salaries and employee benefits | $1,780,000 | 3,391 |
| Premises and equipment expense | $424,000 | 3,679 |
| Additional noninterest expense | $764,000 | 4,197 |
| Pre-tax net operating income | $674,000 | 5,610 |
| Securities gains (losses) | $68,000 | 2,055 |
| Applicable income taxes | $65,000 | 5,991 |
| Income before extraordinary items | $677,000 | 5,075 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $677,000 | 5,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 1,261 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $615,120 | 5,150 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,923,000 | 4,456 |
| Total interest expense | $711,000 | 5,294 |
| Net interest income | $2,212,000 | 4,066 |
| Provision for loan and lease losses | $159,000 | 2,920 |
| Total noninterest income | $452,000 | 3,971 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $380,000 | 2,182 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $72,000 | 5,940 |
| Total noninterest expense | $2,012,000 | 3,680 |
| Salaries and employee benefits | $1,185,000 | 3,399 |
| Premises and equipment expense | $284,000 | 3,658 |
| Additional noninterest expense | $543,000 | 3,989 |
| Pre-tax net operating income | $493,000 | 5,338 |
| Securities gains (losses) | $68,000 | 1,796 |
| Applicable income taxes | $31,000 | 6,314 |
| Income before extraordinary items | $530,000 | 4,639 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $530,000 | 4,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $390,000 | 1,012 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $466,080 | 4,778 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,500,000 | 4,423 |
| Total interest expense | $365,000 | 5,315 |
| Net interest income | $1,135,000 | 3,996 |
| Provision for loan and lease losses | $64,000 | 3,180 |
| Total noninterest income | $229,000 | 3,836 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $187,000 | 2,139 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $42,000 | 5,598 |
| Total noninterest expense | $1,017,000 | 3,608 |
| Salaries and employee benefits | $586,000 | 3,420 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $295,000 | 3,698 |
| Pre-tax net operating income | $283,000 | 4,941 |
| Securities gains (losses) | $67,000 | 1,226 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $350,000 | 3,796 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $350,000 | 3,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 772 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $283,000 | 4,201 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,639,000 | 4,223 |
| Total interest expense | $1,914,000 | 4,950 |
| Net interest income | $4,725,000 | 3,837 |
| Provision for loan and lease losses | $1,307,000 | 1,049 |
| Total noninterest income | $946,000 | 3,599 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $757,000 | 2,102 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $189,000 | 5,140 |
| Total noninterest expense | $4,000,000 | 3,561 |
| Salaries and employee benefits | $2,420,000 | 3,200 |
| Premises and equipment expense | $512,000 | 3,876 |
| Additional noninterest expense | $1,068,000 | 3,968 |
| Pre-tax net operating income | $364,000 | 7,310 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $52,000 | 6,502 |
| Income before extraordinary items | $312,000 | 7,259 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $312,000 | 7,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,316,000 | 756 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $312,000 | 7,156 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,973,000 | 4,036 |
| Total interest expense | $3,451,000 | 4,251 |
| Net interest income | $4,522,000 | 3,749 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $858,000 | 3,677 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $742,000 | 2,041 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $116,000 | 6,082 |
| Total noninterest expense | $3,963,000 | 3,459 |
| Salaries and employee benefits | $2,312,000 | 3,175 |
| Premises and equipment expense | $474,000 | 4,074 |
| Additional noninterest expense | $1,177,000 | 3,558 |
| Pre-tax net operating income | $1,177,000 | 4,461 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $376,000 | 3,851 |
| Income before extraordinary items | $801,000 | 4,868 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $801,000 | 4,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,328 |
| Cash dividends | $525,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $801,000 | 4,760 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,543,000 | 3,919 |
| Total interest expense | $3,774,000 | 4,163 |
| Net interest income | $4,769,000 | 3,619 |
| Provision for loan and lease losses | $203,000 | 3,716 |
| Total noninterest income | $869,000 | 3,474 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $734,000 | 1,888 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $135,000 | 5,731 |
| Total noninterest expense | $3,817,000 | 3,455 |
| Salaries and employee benefits | $2,273,000 | 3,088 |
| Premises and equipment expense | $457,000 | 4,082 |
| Additional noninterest expense | $1,087,000 | 3,730 |
| Pre-tax net operating income | $1,618,000 | 3,863 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $464,000 | 3,657 |
| Income before extraordinary items | $1,154,000 | 3,969 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,154,000 | 3,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,374 |
| Cash dividends | $556,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,154,000 | 3,955 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,707,000 | 4,065 |
| Total interest expense | $3,104,000 | 4,475 |
| Net interest income | $4,603,000 | 3,714 |
| Provision for loan and lease losses | $175,000 | 3,893 |
| Total noninterest income | $1,020,000 | 3,044 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $749,000 | 1,769 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $271,000 | 4,257 |
| Total noninterest expense | $3,715,000 | 3,537 |
| Salaries and employee benefits | $2,254,000 | 3,087 |
| Premises and equipment expense | $446,000 | 4,162 |
| Additional noninterest expense | $1,015,000 | 3,980 |
| Pre-tax net operating income | $1,733,000 | 3,718 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $445,000 | 3,888 |
| Income before extraordinary items | $1,288,000 | 3,663 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,288,000 | 3,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,166 |
| Cash dividends | $617,000 | 3,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,288,000 | 3,623 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,580,000 | 4,126 |
| Total interest expense | $3,285,000 | 4,391 |
| Net interest income | $4,295,000 | 3,883 |
| Provision for loan and lease losses | $183,000 | 3,696 |
| Total noninterest income | $933,000 | 3,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $700,000 | 1,826 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $233,000 | 4,581 |
| Total noninterest expense | $3,532,000 | 3,582 |
| Salaries and employee benefits | $2,129,000 | 3,153 |
| Premises and equipment expense | $432,000 | 4,156 |
| Additional noninterest expense | $971,000 | 4,057 |
| Pre-tax net operating income | $1,513,000 | 4,158 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $438,000 | 4,188 |
| Income before extraordinary items | $1,075,000 | 4,257 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,075,000 | 4,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,620 |
| Cash dividends | $494,000 | 3,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,075,000 | 4,161 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,381,000 | 4,309 |
| Total interest expense | $3,060,000 | 4,629 |
| Net interest income | $4,321,000 | 3,954 |
| Provision for loan and lease losses | $393,000 | 2,136 |
| Total noninterest income | $927,000 | 3,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $687,000 | 1,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $240,000 | 4,480 |
| Total noninterest expense | $3,370,000 | 3,727 |
| Salaries and employee benefits | $2,030,000 | 3,261 |
| Premises and equipment expense | $420,000 | 4,276 |
| Additional noninterest expense | $920,000 | 4,223 |
| Pre-tax net operating income | $1,485,000 | 4,529 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $383,000 | 5,011 |
| Income before extraordinary items | $1,102,000 | 4,362 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,102,000 | 4,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 1,619 |
| Cash dividends | $494,000 | 3,546 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,102,000 | 4,291 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,131,000 | 4,500 |
| Total interest expense | $2,870,000 | 4,969 |
| Net interest income | $4,261,000 | 4,069 |
| Provision for loan and lease losses | $444,000 | 1,918 |
| Total noninterest income | $1,122,000 | 2,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $616,000 | 2,194 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $506,000 | 2,896 |
| Total noninterest expense | $3,294,000 | 4,004 |
| Salaries and employee benefits | $1,923,000 | 3,463 |
| Premises and equipment expense | $444,000 | 4,162 |
| Additional noninterest expense | $927,000 | 4,656 |
| Pre-tax net operating income | $1,645,000 | 4,038 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $447,000 | 4,525 |
| Income before extraordinary items | $1,198,000 | 3,879 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,198,000 | 3,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $397,000 | 1,698 |
| Cash dividends | $617,000 | 2,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,198,000 | 3,834 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,106,000 | 4,498 |
| Total interest expense | $2,943,000 | 4,852 |
| Net interest income | $4,163,000 | 4,170 |
| Provision for loan and lease losses | $199,000 | 3,045 |
| Total noninterest income | $969,000 | 3,177 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $596,000 | 2,280 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $373,000 | 3,464 |
| Total noninterest expense | $3,222,000 | 4,039 |
| Salaries and employee benefits | $1,914,000 | 3,434 |
| Premises and equipment expense | $346,000 | 5,064 |
| Additional noninterest expense | $962,000 | 4,505 |
| Pre-tax net operating income | $1,711,000 | 4,008 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $429,000 | 4,704 |
| Income before extraordinary items | $1,282,000 | 3,727 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,282,000 | 3,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,716 |
| Cash dividends | $617,000 | 2,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,282,000 | 3,705 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,325,000 | 4,636 |
| Total interest expense | $2,101,000 | 5,387 |
| Net interest income | $4,224,000 | 4,170 |
| Provision for loan and lease losses | $238,000 | 2,731 |
| Total noninterest income | $761,000 | 3,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $569,000 | 2,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $192,000 | 5,402 |
| Total noninterest expense | $3,205,000 | 4,167 |
| Salaries and employee benefits | $1,771,000 | 3,675 |
| Premises and equipment expense | $402,000 | 4,567 |
| Additional noninterest expense | $1,032,000 | 4,596 |
| Pre-tax net operating income | $1,542,000 | 4,312 |
| Securities gains (losses) | $16,000 | 1,924 |
| Applicable income taxes | $359,000 | 5,167 |
| Income before extraordinary items | $1,199,000 | 3,865 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,199,000 | 3,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,727 |
| Cash dividends | $201,000 | 5,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,186,680 | 3,932 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,022,000 | 4,934 |
| Total interest expense | $2,095,000 | 5,620 |
| Net interest income | $3,927,000 | 4,491 |
| Provision for loan and lease losses | $99,000 | 5,823 |
| Total noninterest income | $965,000 | 3,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $578,000 | 2,379 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $387,000 | 3,832 |
| Total noninterest expense | $3,215,000 | 4,239 |
| Salaries and employee benefits | $1,592,000 | 4,047 |
| Premises and equipment expense | $452,000 | 4,251 |
| Additional noninterest expense | $1,171,000 | 4,282 |
| Pre-tax net operating income | $1,578,000 | 4,132 |
| Securities gains (losses) | $93,000 | 2,602 |
| Applicable income taxes | $438,000 | 4,683 |
| Income before extraordinary items | $1,233,000 | 3,913 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,233,000 | 4,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 4,050 |
| Cash dividends | $201,000 | 5,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,164,180 | 3,928 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,093,000 | 6,301 |
| Total interest expense | $1,979,000 | 7,151 |
| Net interest income | $3,114,000 | 5,550 |
| Provision for loan and lease losses | $174,000 | 5,685 |
| Total noninterest income | $643,000 | 4,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $426,000 | 3,267 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 5,400 |
| Total noninterest expense | $2,469,000 | 5,376 |
| Salaries and employee benefits | $1,207,000 | 5,131 |
| Premises and equipment expense | $406,000 | 4,737 |
| Additional noninterest expense | $856,000 | 5,755 |
| Pre-tax net operating income | $1,114,000 | 5,209 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $275,000 | 6,284 |
| Income before extraordinary items | $839,000 | 5,169 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $839,000 | 5,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 5,287 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $839,000 | 4,866 |
* 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.