Home > The Warwick Savings Bank > Income and Expense
The Warwick Savings Bank, Income and Expense
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $23,906,000 | 862 |
| Total interest expense | $10,181,000 | 595 |
| Net interest income | $13,725,000 | 1,074 |
| Provision for loan and lease losses | $6,016,000 | 181 |
| Total noninterest income | $3,079,000 | 1,278 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,388,000 | 952 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,691,000 | 1,214 |
| Total noninterest expense | $13,082,000 | 933 |
| Salaries and employee benefits | $6,743,000 | 943 |
| Premises and equipment expense | $1,382,000 | 1,248 |
| Additional noninterest expense | $4,957,000 | 761 |
| Pre-tax net operating income | $-2,294,000 | 8,982 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-867,000 | 8,990 |
| Income before extraordinary items | $-1,427,000 | 8,960 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,427,000 | 8,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,290,000 | 152 |
| Cash dividends | $11,500,000 | 248 |
| Sale, conversion, retirement of capital stock, net | $1,844,000 | 269 |
| Net operating income | $-1,427,000 | 8,946 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $16,195,000 | 840 |
| Total interest expense | $6,924,000 | 574 |
| Net interest income | $9,271,000 | 1,055 |
| Provision for loan and lease losses | $6,016,000 | 139 |
| Total noninterest income | $2,069,000 | 1,262 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $927,000 | 934 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,142,000 | 1,205 |
| Total noninterest expense | $8,739,000 | 925 |
| Salaries and employee benefits | $4,476,000 | 947 |
| Premises and equipment expense | $906,000 | 1,271 |
| Additional noninterest expense | $3,357,000 | 752 |
| Pre-tax net operating income | $-3,415,000 | 9,063 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-1,242,000 | 9,057 |
| Income before extraordinary items | $-2,173,000 | 9,053 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,173,000 | 9,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,323,000 | 132 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,274,000 | 201 |
| Net operating income | $-2,173,000 | 9,041 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,407,000 | 833 |
| Total interest expense | $3,496,000 | 585 |
| Net interest income | $4,911,000 | 997 |
| Provision for loan and lease losses | $3,402,000 | 134 |
| Total noninterest income | $1,022,000 | 1,237 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $464,000 | 897 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $558,000 | 1,202 |
| Total noninterest expense | $4,737,000 | 867 |
| Salaries and employee benefits | $2,402,000 | 902 |
| Premises and equipment expense | $462,000 | 1,257 |
| Additional noninterest expense | $1,873,000 | 676 |
| Pre-tax net operating income | $-2,206,000 | 9,103 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-695,000 | 9,099 |
| Income before extraordinary items | $-1,511,000 | 9,103 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,511,000 | 9,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $690,000 | 345 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $588,000 | 144 |
| Net operating income | $-1,511,000 | 9,091 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $36,644,000 | 775 |
| Total interest expense | $17,053,000 | 534 |
| Net interest income | $19,591,000 | 978 |
| Provision for loan and lease losses | $65,000 | 5,903 |
| Total noninterest income | $4,629,000 | 1,199 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,954,000 | 878 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,675,000 | 1,174 |
| Total noninterest expense | $15,559,000 | 1,045 |
| Salaries and employee benefits | $8,741,000 | 984 |
| Premises and equipment expense | $1,703,000 | 1,339 |
| Additional noninterest expense | $5,115,000 | 1,000 |
| Pre-tax net operating income | $8,596,000 | 977 |
| Securities gains (losses) | $339,000 | 976 |
| Applicable income taxes | $3,229,000 | 871 |
| Income before extraordinary items | $5,706,000 | 1,124 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,706,000 | 1,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 4,154 |
| Cash dividends | $12,900,000 | 324 |
| Sale, conversion, retirement of capital stock, net | $2,327,000 | 319 |
| Net operating income | $5,489,040 | 1,111 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $28,223,000 | 774 |
| Total interest expense | $13,386,000 | 536 |
| Net interest income | $14,837,000 | 983 |
| Provision for loan and lease losses | $65,000 | 5,417 |
| Total noninterest income | $3,484,000 | 1,219 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,460,000 | 888 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,024,000 | 1,222 |
| Total noninterest expense | $11,261,000 | 1,084 |
| Salaries and employee benefits | $6,313,000 | 1,028 |
| Premises and equipment expense | $1,250,000 | 1,374 |
| Additional noninterest expense | $3,698,000 | 1,038 |
| Pre-tax net operating income | $6,995,000 | 940 |
| Securities gains (losses) | $287,000 | 995 |
| Applicable income taxes | $2,714,000 | 848 |
| Income before extraordinary items | $4,568,000 | 1,098 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,568,000 | 1,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,268 |
| Cash dividends | $10,400,000 | 294 |
| Sale, conversion, retirement of capital stock, net | $1,759,000 | 254 |
| Net operating income | $4,384,320 | 1,078 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,736,000 | 741 |
| Total interest expense | $9,374,000 | 532 |
| Net interest income | $10,362,000 | 939 |
| Provision for loan and lease losses | $65,000 | 4,607 |
| Total noninterest income | $2,311,000 | 1,224 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $980,000 | 863 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,331,000 | 1,235 |
| Total noninterest expense | $7,541,000 | 1,081 |
| Salaries and employee benefits | $4,249,000 | 1,015 |
| Premises and equipment expense | $869,000 | 1,319 |
| Additional noninterest expense | $2,423,000 | 1,049 |
| Pre-tax net operating income | $5,067,000 | 874 |
| Securities gains (losses) | $287,000 | 826 |
| Applicable income taxes | $1,993,000 | 766 |
| Income before extraordinary items | $3,361,000 | 997 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,361,000 | 998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,181 |
| Cash dividends | $7,400,000 | 255 |
| Sale, conversion, retirement of capital stock, net | $1,228,000 | 188 |
| Net operating income | $3,177,320 | 974 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,415,000 | 702 |
| Total interest expense | $4,855,000 | 526 |
| Net interest income | $5,560,000 | 886 |
| Provision for loan and lease losses | $65,000 | 3,141 |
| Total noninterest income | $1,219,000 | 1,149 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $501,000 | 825 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $718,000 | 1,146 |
| Total noninterest expense | $3,806,000 | 1,060 |
| Salaries and employee benefits | $2,197,000 | 981 |
| Premises and equipment expense | $451,000 | 1,281 |
| Additional noninterest expense | $1,158,000 | 1,072 |
| Pre-tax net operating income | $2,908,000 | 776 |
| Securities gains (losses) | $123,000 | 884 |
| Applicable income taxes | $1,164,000 | 692 |
| Income before extraordinary items | $1,867,000 | 910 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,867,000 | 909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $4,400,000 | 209 |
| Sale, conversion, retirement of capital stock, net | $545,000 | 133 |
| Net operating income | $1,788,280 | 870 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $47,673,000 | 644 |
| Total interest expense | $21,447,000 | 544 |
| Net interest income | $26,226,000 | 721 |
| Provision for loan and lease losses | $1,268,000 | 1,077 |
| Total noninterest income | $5,349,000 | 986 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,793,000 | 902 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,556,000 | 896 |
| Total noninterest expense | $15,516,000 | 1,006 |
| Salaries and employee benefits | $8,711,000 | 922 |
| Premises and equipment expense | $1,796,000 | 1,230 |
| Additional noninterest expense | $5,009,000 | 994 |
| Pre-tax net operating income | $14,791,000 | 597 |
| Securities gains (losses) | $421,000 | 731 |
| Applicable income taxes | $5,915,000 | 513 |
| Income before extraordinary items | $9,297,000 | 684 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $9,297,000 | 685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $7,000,000 | 464 |
| Sale, conversion, retirement of capital stock, net | $2,117,000 | 279 |
| Net operating income | $9,027,560 | 668 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $49,795,000 | 706 |
| Total interest expense | $27,055,000 | 620 |
| Net interest income | $22,740,000 | 779 |
| Provision for loan and lease losses | $739,000 | 1,600 |
| Total noninterest income | $4,691,000 | 1,047 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,453,000 | 1,027 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,238,000 | 888 |
| Total noninterest expense | $17,365,000 | 868 |
| Salaries and employee benefits | $10,252,000 | 730 |
| Premises and equipment expense | $2,105,000 | 995 |
| Additional noninterest expense | $5,008,000 | 977 |
| Pre-tax net operating income | $9,327,000 | 820 |
| Securities gains (losses) | $-24,000 | 9,389 |
| Applicable income taxes | $3,296,000 | 772 |
| Income before extraordinary items | $6,007,000 | 915 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $6,007,000 | 916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,161 |
| Cash dividends | $4,700,000 | 653 |
| Sale, conversion, retirement of capital stock, net | $1,464,000 | 354 |
| Net operating income | $6,022,600 | 869 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $44,220,000 | 802 |
| Total interest expense | $26,740,000 | 686 |
| Net interest income | $17,480,000 | 994 |
| Provision for loan and lease losses | $740,000 | 1,352 |
| Total noninterest income | $6,333,000 | 775 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,704,000 | 796 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,629,000 | 664 |
| Total noninterest expense | $15,018,000 | 947 |
| Salaries and employee benefits | $9,270,000 | 760 |
| Premises and equipment expense | $1,946,000 | 1,020 |
| Additional noninterest expense | $3,802,000 | 1,201 |
| Pre-tax net operating income | $8,055,000 | 959 |
| Securities gains (losses) | $-1,391,000 | 9,781 |
| Applicable income taxes | $2,085,000 | 1,115 |
| Income before extraordinary items | $4,579,000 | 1,151 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,579,000 | 1,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,296 |
| Cash dividends | $5,200,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $1,748,000 | 384 |
| Net operating income | $5,538,790 | 964 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $35,416,000 | 944 |
| Total interest expense | $17,601,000 | 899 |
| Net interest income | $17,815,000 | 988 |
| Provision for loan and lease losses | $500,000 | 1,756 |
| Total noninterest income | $3,002,000 | 1,352 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,423,000 | 932 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,579,000 | 1,352 |
| Total noninterest expense | $15,661,000 | 913 |
| Salaries and employee benefits | $9,276,000 | 751 |
| Premises and equipment expense | $1,893,000 | 1,070 |
| Additional noninterest expense | $4,492,000 | 1,050 |
| Pre-tax net operating income | $4,656,000 | 1,613 |
| Securities gains (losses) | $761,000 | 263 |
| Applicable income taxes | $2,052,000 | 1,203 |
| Income before extraordinary items | $3,365,000 | 1,584 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,365,000 | 1,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 1,879 |
| Cash dividends | $1,000,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $1,214,000 | 481 |
| Net operating income | $2,877,960 | 1,819 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $28,240,000 | 1,157 |
| Total interest expense | $12,580,000 | 1,243 |
| Net interest income | $15,660,000 | 1,077 |
| Provision for loan and lease losses | $500,000 | 1,714 |
| Total noninterest income | $2,329,000 | 1,640 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,407,000 | 880 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $922,000 | 1,976 |
| Total noninterest expense | $13,234,000 | 1,004 |
| Salaries and employee benefits | $7,816,000 | 847 |
| Premises and equipment expense | $1,504,000 | 1,285 |
| Additional noninterest expense | $3,914,000 | 1,141 |
| Pre-tax net operating income | $4,255,000 | 1,729 |
| Securities gains (losses) | $1,285,000 | 323 |
| Applicable income taxes | $2,201,000 | 1,145 |
| Income before extraordinary items | $3,339,000 | 1,579 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,339,000 | 1,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,973 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $-5,121,000 | 10,452 |
| Net operating income | $2,516,600 | 1,999 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $21,382,000 | 1,538 |
| Total interest expense | $9,539,000 | 1,621 |
| Net interest income | $11,843,000 | 1,463 |
| Provision for loan and lease losses | $454,000 | 1,919 |
| Total noninterest income | $2,301,000 | 1,574 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,205,000 | 1,043 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,096,000 | 1,650 |
| Total noninterest expense | $10,609,000 | 1,250 |
| Salaries and employee benefits | $6,354,000 | 1,040 |
| Premises and equipment expense | $1,581,000 | 1,246 |
| Additional noninterest expense | $2,674,000 | 1,600 |
| Pre-tax net operating income | $3,081,000 | 2,433 |
| Securities gains (losses) | $391,000 | 489 |
| Applicable income taxes | $1,428,000 | 1,774 |
| Income before extraordinary items | $2,044,000 | 2,534 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,044,000 | 2,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,128 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $24,507,000 | 38 |
| Net operating income | $1,793,760 | 2,792 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,821,000 | 1,699 |
| Total interest expense | $8,811,000 | 1,783 |
| Net interest income | $11,010,000 | 1,611 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $2,226,000 | 1,684 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,147,000 | 1,155 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,079,000 | 1,714 |
| Total noninterest expense | $9,584,000 | 1,494 |
| Salaries and employee benefits | $5,156,000 | 1,297 |
| Premises and equipment expense | $1,433,000 | 1,420 |
| Additional noninterest expense | $2,995,000 | 1,738 |
| Pre-tax net operating income | $3,592,000 | 2,005 |
| Securities gains (losses) | $886,000 | 281 |
| Applicable income taxes | $2,031,000 | 1,215 |
| Income before extraordinary items | $2,447,000 | 2,026 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,447,000 | 2,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,581 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,879,960 | 2,547 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,905,000 | 1,896 |
| Total interest expense | $8,698,000 | 1,820 |
| Net interest income | $9,207,000 | 1,947 |
| Provision for loan and lease losses | $240,000 | 2,643 |
| Total noninterest income | $1,642,000 | 2,145 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $972,000 | 1,407 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $670,000 | 2,362 |
| Total noninterest expense | $9,357,000 | 1,515 |
| Salaries and employee benefits | $4,902,000 | 1,355 |
| Premises and equipment expense | $1,344,000 | 1,518 |
| Additional noninterest expense | $3,111,000 | 1,650 |
| Pre-tax net operating income | $1,252,000 | 5,114 |
| Securities gains (losses) | $-11,000 | 10,162 |
| Applicable income taxes | $552,000 | 3,890 |
| Income before extraordinary items | $689,000 | 6,065 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $689,000 | 6,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $696,040 | 5,998 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,489,000 | 1,990 |
| Total interest expense | $5,886,000 | 2,123 |
| Net interest income | $9,603,000 | 1,882 |
| Provision for loan and lease losses | $261,000 | 2,507 |
| Total noninterest income | $1,401,000 | 2,430 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $701,000 | 1,920 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $700,000 | 2,332 |
| Total noninterest expense | $7,493,000 | 1,920 |
| Salaries and employee benefits | $3,712,000 | 1,814 |
| Premises and equipment expense | $1,244,000 | 1,664 |
| Additional noninterest expense | $2,537,000 | 2,115 |
| Pre-tax net operating income | $3,250,000 | 2,186 |
| Securities gains (losses) | $421,000 | 307 |
| Applicable income taxes | $1,548,000 | 1,515 |
| Income before extraordinary items | $2,123,000 | 2,285 |
| Extraordinary gains, net | $-419,000 | 12,570 |
| Net income | $1,704,000 | 2,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 11,772 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,853,560 | 2,643 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,141,000 | 1,943 |
| Total interest expense | $6,120,000 | 2,120 |
| Net interest income | $10,021,000 | 1,791 |
| Provision for loan and lease losses | $540,000 | 1,991 |
| Total noninterest income | $2,116,000 | 1,895 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $684,000 | 1,994 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,432,000 | 1,604 |
| Total noninterest expense | $8,191,000 | 1,825 |
| Salaries and employee benefits | $4,087,000 | 1,648 |
| Premises and equipment expense | $1,222,000 | 1,717 |
| Additional noninterest expense | $2,882,000 | 1,974 |
| Pre-tax net operating income | $3,406,000 | 2,001 |
| Securities gains (losses) | $397,000 | 1,057 |
| Applicable income taxes | $1,678,000 | 1,413 |
| Income before extraordinary items | $2,125,000 | 2,356 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,125,000 | 2,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 2,103 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,870,920 | 2,530 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,784,000 | 2,110 |
| Total interest expense | $7,573,000 | 2,243 |
| Net interest income | $9,211,000 | 1,983 |
| Provision for loan and lease losses | $579,000 | 2,697 |
| Total noninterest income | $956,000 | 3,440 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $421,000 | 3,305 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $535,000 | 3,048 |
| Total noninterest expense | $6,820,000 | 2,152 |
| Salaries and employee benefits | $3,371,000 | 1,945 |
| Premises and equipment expense | $1,218,000 | 1,736 |
| Additional noninterest expense | $2,231,000 | 2,554 |
| Pre-tax net operating income | $2,768,000 | 2,233 |
| Securities gains (losses) | $139,000 | 2,518 |
| Applicable income taxes | $1,299,000 | 1,626 |
| Income before extraordinary items | $1,608,000 | 2,859 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,608,000 | 2,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 4,817 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,519,040 | 2,812 |
* 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.