Home > The Winton Savings and Loan Company > Income and Expense
The Winton Savings and Loan Company, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $30,312,000 | 925 |
| Total interest expense | $14,740,000 | 559 |
| Net interest income | $15,572,000 | 1,299 |
| Provision for loan and lease losses | $225,000 | 3,491 |
| Total noninterest income | $-348,000 | 8,969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $-348,000 | 8,974 |
| Total noninterest expense | $16,581,000 | 985 |
| Salaries and employee benefits | $6,725,000 | 1,305 |
| Premises and equipment expense | $2,221,000 | 1,038 |
| Additional noninterest expense | $7,635,000 | 688 |
| Pre-tax net operating income | $-1,582,000 | 8,876 |
| Securities gains (losses) | $1,912,000 | 191 |
| Applicable income taxes | $456,000 | 3,490 |
| Income before extraordinary items | $-126,000 | 8,541 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-126,000 | 8,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,364 |
| Cash dividends | $7,150,000 | 457 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,349,680 | 8,853 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,863,000 | 910 |
| Total interest expense | $11,075,000 | 548 |
| Net interest income | $11,788,000 | 1,276 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $574,000 | 4,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $574,000 | 2,572 |
| Total noninterest expense | $8,489,000 | 1,433 |
| Salaries and employee benefits | $4,929,000 | 1,337 |
| Premises and equipment expense | $1,668,000 | 1,035 |
| Additional noninterest expense | $1,892,000 | 1,899 |
| Pre-tax net operating income | $3,648,000 | 1,752 |
| Securities gains (losses) | $1,681,000 | 185 |
| Applicable income taxes | $1,857,000 | 1,083 |
| Income before extraordinary items | $3,472,000 | 1,416 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,472,000 | 1,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 2,788 |
| Cash dividends | $2,400,000 | 830 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,379,350 | 1,927 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $15,332,000 | 878 |
| Total interest expense | $7,394,000 | 541 |
| Net interest income | $7,938,000 | 1,247 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $363,000 | 4,340 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $363,000 | 2,670 |
| Total noninterest expense | $5,300,000 | 1,524 |
| Salaries and employee benefits | $2,964,000 | 1,496 |
| Premises and equipment expense | $1,126,000 | 1,020 |
| Additional noninterest expense | $1,210,000 | 1,978 |
| Pre-tax net operating income | $2,851,000 | 1,491 |
| Securities gains (losses) | $860,000 | 237 |
| Applicable income taxes | $1,291,000 | 1,049 |
| Income before extraordinary items | $2,420,000 | 1,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,420,000 | 1,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,235 |
| Cash dividends | $400,000 | 2,444 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,861,000 | 1,659 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,712,000 | 889 |
| Total interest expense | $3,731,000 | 542 |
| Net interest income | $3,981,000 | 1,249 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $169,000 | 4,476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $169,000 | 2,733 |
| Total noninterest expense | $2,648,000 | 1,531 |
| Salaries and employee benefits | $1,463,000 | 1,520 |
| Premises and equipment expense | $561,000 | 1,052 |
| Additional noninterest expense | $624,000 | 1,891 |
| Pre-tax net operating income | $1,427,000 | 1,451 |
| Securities gains (losses) | $609,000 | 228 |
| Applicable income taxes | $697,000 | 984 |
| Income before extraordinary items | $1,339,000 | 1,219 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,339,000 | 1,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,952 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $937,060 | 1,602 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,770,000 | 908 |
| Total interest expense | $15,886,000 | 569 |
| Net interest income | $14,884,000 | 1,311 |
| Provision for loan and lease losses | $525,000 | 2,070 |
| Total noninterest income | $648,000 | 4,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $648,000 | 3,111 |
| Total noninterest expense | $10,735,000 | 1,489 |
| Salaries and employee benefits | $6,397,000 | 1,345 |
| Premises and equipment expense | $2,000,000 | 1,135 |
| Additional noninterest expense | $2,338,000 | 2,060 |
| Pre-tax net operating income | $4,272,000 | 1,881 |
| Securities gains (losses) | $3,005,000 | 223 |
| Applicable income taxes | $2,290,000 | 1,152 |
| Income before extraordinary items | $4,987,000 | 1,286 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,987,000 | 1,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,398 |
| Cash dividends | $1,500,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,913,550 | 1,998 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $23,045,000 | 930 |
| Total interest expense | $11,976,000 | 590 |
| Net interest income | $11,069,000 | 1,326 |
| Provision for loan and lease losses | $450,000 | 1,799 |
| Total noninterest income | $466,000 | 4,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $466,000 | 3,255 |
| Total noninterest expense | $7,701,000 | 1,568 |
| Salaries and employee benefits | $4,583,000 | 1,412 |
| Premises and equipment expense | $1,457,000 | 1,174 |
| Additional noninterest expense | $1,661,000 | 2,157 |
| Pre-tax net operating income | $3,384,000 | 1,851 |
| Securities gains (losses) | $2,530,000 | 233 |
| Applicable income taxes | $1,884,000 | 1,111 |
| Income before extraordinary items | $4,030,000 | 1,225 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,030,000 | 1,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,793 |
| Cash dividends | $1,500,000 | 1,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,309,600 | 1,954 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,470,000 | 937 |
| Total interest expense | $8,071,000 | 605 |
| Net interest income | $7,399,000 | 1,327 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $323,000 | 4,791 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $323,000 | 3,156 |
| Total noninterest expense | $4,907,000 | 1,638 |
| Salaries and employee benefits | $2,927,000 | 1,472 |
| Premises and equipment expense | $927,000 | 1,228 |
| Additional noninterest expense | $1,053,000 | 2,254 |
| Pre-tax net operating income | $2,515,000 | 1,670 |
| Securities gains (losses) | $1,918,000 | 239 |
| Applicable income taxes | $1,433,000 | 1,018 |
| Income before extraordinary items | $3,000,000 | 1,124 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,000,000 | 1,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,259 |
| Cash dividends | $600,000 | 1,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,695,760 | 1,783 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,807,000 | 944 |
| Total interest expense | $4,094,000 | 611 |
| Net interest income | $3,713,000 | 1,316 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $177,000 | 4,456 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $177,000 | 2,931 |
| Total noninterest expense | $2,378,000 | 1,679 |
| Salaries and employee benefits | $1,416,000 | 1,510 |
| Premises and equipment expense | $455,000 | 1,265 |
| Additional noninterest expense | $507,000 | 2,303 |
| Pre-tax net operating income | $1,362,000 | 1,545 |
| Securities gains (losses) | $840,000 | 251 |
| Applicable income taxes | $714,000 | 1,044 |
| Income before extraordinary items | $1,488,000 | 1,123 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,488,000 | 1,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,251 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $916,800 | 1,626 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $33,091,000 | 922 |
| Total interest expense | $18,473,000 | 615 |
| Net interest income | $14,618,000 | 1,327 |
| Provision for loan and lease losses | $949,000 | 1,418 |
| Total noninterest income | $1,173,000 | 3,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,173,000 | 1,963 |
| Total noninterest expense | $9,214,000 | 1,661 |
| Salaries and employee benefits | $5,496,000 | 1,475 |
| Premises and equipment expense | $1,541,000 | 1,432 |
| Additional noninterest expense | $2,177,000 | 2,136 |
| Pre-tax net operating income | $5,628,000 | 1,474 |
| Securities gains (losses) | $2,754,000 | 225 |
| Applicable income taxes | $2,776,000 | 996 |
| Income before extraordinary items | $5,606,000 | 1,121 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,606,000 | 1,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $644,000 | 1,365 |
| Cash dividends | $1,625,000 | 1,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,760,820 | 1,550 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $34,430,000 | 990 |
| Total interest expense | $22,551,000 | 739 |
| Net interest income | $11,879,000 | 1,499 |
| Provision for loan and lease losses | $720,000 | 1,627 |
| Total noninterest income | $1,459,000 | 2,566 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,459,000 | 1,561 |
| Total noninterest expense | $8,182,000 | 1,778 |
| Salaries and employee benefits | $4,745,000 | 1,589 |
| Premises and equipment expense | $1,571,000 | 1,363 |
| Additional noninterest expense | $1,866,000 | 2,394 |
| Pre-tax net operating income | $4,436,000 | 1,617 |
| Securities gains (losses) | $1,984,000 | 248 |
| Applicable income taxes | $2,123,000 | 1,119 |
| Income before extraordinary items | $4,297,000 | 1,266 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,297,000 | 1,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,161 |
| Cash dividends | $1,613,000 | 1,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,967,720 | 1,703 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $35,532,000 | 999 |
| Total interest expense | $23,801,000 | 765 |
| Net interest income | $11,731,000 | 1,496 |
| Provision for loan and lease losses | $149,000 | 4,442 |
| Total noninterest income | $1,326,000 | 2,567 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,326,000 | 1,528 |
| Total noninterest expense | $8,216,000 | 1,695 |
| Salaries and employee benefits | $4,748,000 | 1,497 |
| Premises and equipment expense | $1,542,000 | 1,327 |
| Additional noninterest expense | $1,926,000 | 2,247 |
| Pre-tax net operating income | $4,692,000 | 1,575 |
| Securities gains (losses) | $636,000 | 220 |
| Applicable income taxes | $1,701,000 | 1,357 |
| Income before extraordinary items | $3,627,000 | 1,458 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,627,000 | 1,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,874 |
| Cash dividends | $1,475,000 | 1,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,194,520 | 1,636 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $33,337,000 | 989 |
| Total interest expense | $21,032,000 | 759 |
| Net interest income | $12,305,000 | 1,418 |
| Provision for loan and lease losses | $161,000 | 4,095 |
| Total noninterest income | $1,194,000 | 2,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,194,000 | 1,644 |
| Total noninterest expense | $9,807,000 | 1,415 |
| Salaries and employee benefits | $4,566,000 | 1,528 |
| Premises and equipment expense | $1,618,000 | 1,252 |
| Additional noninterest expense | $3,623,000 | 1,265 |
| Pre-tax net operating income | $3,531,000 | 2,073 |
| Securities gains (losses) | $742,000 | 269 |
| Applicable income taxes | $1,517,000 | 1,584 |
| Income before extraordinary items | $2,756,000 | 1,932 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,756,000 | 1,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 9,981 |
| Cash dividends | $1,328,000 | 1,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,281,120 | 2,264 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $27,107,000 | 1,197 |
| Total interest expense | $16,980,000 | 932 |
| Net interest income | $10,127,000 | 1,688 |
| Provision for loan and lease losses | $84,000 | 5,485 |
| Total noninterest income | $747,000 | 3,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $747,000 | 2,277 |
| Total noninterest expense | $6,401,000 | 2,050 |
| Salaries and employee benefits | $3,310,000 | 2,039 |
| Premises and equipment expense | $1,222,000 | 1,611 |
| Additional noninterest expense | $1,869,000 | 2,238 |
| Pre-tax net operating income | $4,389,000 | 1,677 |
| Securities gains (losses) | $1,991,000 | 233 |
| Applicable income taxes | $2,132,000 | 1,185 |
| Income before extraordinary items | $4,248,000 | 1,256 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,248,000 | 1,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,595 |
| Cash dividends | $1,123,000 | 2,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,914,030 | 1,734 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,716,000 | 1,341 |
| Total interest expense | $15,505,000 | 1,056 |
| Net interest income | $9,211,000 | 1,890 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,186,000 | 2,656 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,186,000 | 1,569 |
| Total noninterest expense | $5,698,000 | 2,262 |
| Salaries and employee benefits | $3,119,000 | 2,113 |
| Premises and equipment expense | $1,120,000 | 1,768 |
| Additional noninterest expense | $1,459,000 | 2,800 |
| Pre-tax net operating income | $4,699,000 | 1,640 |
| Securities gains (losses) | $615,000 | 382 |
| Applicable income taxes | $1,797,000 | 1,457 |
| Income before extraordinary items | $3,517,000 | 1,530 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,517,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $685,000 | 2,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,111,100 | 1,671 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,347,000 | 1,570 |
| Total interest expense | $13,216,000 | 1,237 |
| Net interest income | $8,131,000 | 2,210 |
| Provision for loan and lease losses | $5,000 | 8,822 |
| Total noninterest income | $1,087,000 | 2,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,087,000 | 1,706 |
| Total noninterest expense | $6,878,000 | 2,031 |
| Salaries and employee benefits | $2,699,000 | 2,468 |
| Premises and equipment expense | $1,040,000 | 1,927 |
| Additional noninterest expense | $3,139,000 | 1,654 |
| Pre-tax net operating income | $2,335,000 | 2,987 |
| Securities gains (losses) | $421,000 | 452 |
| Applicable income taxes | $882,000 | 2,627 |
| Income before extraordinary items | $1,874,000 | 2,597 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,874,000 | 2,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,379 |
| Cash dividends | $870,000 | 2,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,587,720 | 2,995 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,380,000 | 2,054 |
| Total interest expense | $9,771,000 | 1,629 |
| Net interest income | $6,609,000 | 2,694 |
| Provision for loan and lease losses | $55,000 | 6,005 |
| Total noninterest income | $781,000 | 3,741 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $781,000 | 2,141 |
| Total noninterest expense | $4,753,000 | 2,844 |
| Salaries and employee benefits | $2,490,000 | 2,681 |
| Premises and equipment expense | $885,000 | 2,267 |
| Additional noninterest expense | $1,378,000 | 3,317 |
| Pre-tax net operating income | $2,582,000 | 2,757 |
| Securities gains (losses) | $384,000 | 422 |
| Applicable income taxes | $997,000 | 2,389 |
| Income before extraordinary items | $1,969,000 | 2,548 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,969,000 | 2,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,745 |
| Cash dividends | $669,000 | 2,738 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,715,560 | 2,836 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,552,000 | 2,107 |
| Total interest expense | $7,640,000 | 1,647 |
| Net interest income | $6,912,000 | 2,610 |
| Provision for loan and lease losses | $35,000 | 6,861 |
| Total noninterest income | $446,000 | 5,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $446,000 | 3,188 |
| Total noninterest expense | $4,963,000 | 2,791 |
| Salaries and employee benefits | $2,544,000 | 2,615 |
| Premises and equipment expense | $884,000 | 2,281 |
| Additional noninterest expense | $1,535,000 | 3,228 |
| Pre-tax net operating income | $2,360,000 | 2,990 |
| Securities gains (losses) | $211,000 | 480 |
| Applicable income taxes | $850,000 | 2,625 |
| Income before extraordinary items | $1,721,000 | 2,824 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,721,000 | 2,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,137 |
| Cash dividends | $488,000 | 3,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,579,630 | 3,055 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,149,000 | 2,198 |
| Total interest expense | $7,191,000 | 1,818 |
| Net interest income | $6,958,000 | 2,596 |
| Provision for loan and lease losses | $210,000 | 3,794 |
| Total noninterest income | $841,000 | 3,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $841,000 | 2,315 |
| Total noninterest expense | $4,796,000 | 2,959 |
| Salaries and employee benefits | $2,384,000 | 2,771 |
| Premises and equipment expense | $824,000 | 2,483 |
| Additional noninterest expense | $1,588,000 | 3,337 |
| Pre-tax net operating income | $2,793,000 | 2,463 |
| Securities gains (losses) | $830,000 | 615 |
| Applicable income taxes | $1,194,000 | 1,933 |
| Income before extraordinary items | $2,429,000 | 2,061 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,429,000 | 2,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,853 |
| Cash dividends | $935,000 | 1,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,872,900 | 2,525 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,618,000 | 2,259 |
| Total interest expense | $8,906,000 | 1,903 |
| Net interest income | $6,712,000 | 2,721 |
| Provision for loan and lease losses | $353,000 | 3,762 |
| Total noninterest income | $1,396,000 | 2,529 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,396,000 | 1,587 |
| Total noninterest expense | $4,522,000 | 3,143 |
| Salaries and employee benefits | $2,116,000 | 3,055 |
| Premises and equipment expense | $757,000 | 2,743 |
| Additional noninterest expense | $1,649,000 | 3,318 |
| Pre-tax net operating income | $3,233,000 | 1,924 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $1,078,000 | 1,969 |
| Income before extraordinary items | $2,159,000 | 2,130 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,159,000 | 2,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 6,002 |
| Cash dividends | $427,000 | 3,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,156,320 | 1,957 |
* 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.