Home > Tri-County Bank > Income and Expense

Tri-County Bank, Income and Expense

2006-09-30 (YTD Data)		Rank
Total interest income	$3,876,000	5,458
Total interest expense	$1,509,000	5,318
Net interest income	$2,367,000	5,415
Provision for loan and lease losses	$64,000	4,788
Total noninterest income	$463,000	4,692
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$422,000	2,837
Trading account gains and fees	$0	126
Additional Noninterest Income	$41,000	7,178
Total noninterest expense	$1,357,000	6,428
Salaries and employee benefits	$424,000	7,681
Premises and equipment expense	$159,000	6,622
Additional noninterest expense	$774,000	4,379
Pre-tax net operating income	$1,409,000	3,933
Securities gains (losses)	$-15,000	7,737
Applicable income taxes	$466,000	2,953
Income before extraordinary items	$928,000	4,338
Extraordinary gains, net	$0	45
Net income	$928,000	4,342
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	5,547
Cash dividends	$0	5,292
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$938,050	4,299
2006-06-30 (YTD Data)		Rank
Total interest income	$2,431,000	5,612
Total interest expense	$846,000	5,659
Net interest income	$1,585,000	5,430
Provision for loan and lease losses	$40,000	4,712
Total noninterest income	$299,000	4,757
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$277,000	2,844
Trading account gains and fees	$0	126
Additional Noninterest Income	$22,000	7,458
Total noninterest expense	$912,000	6,426
Salaries and employee benefits	$293,000	7,669
Premises and equipment expense	$107,000	6,618
Additional noninterest expense	$512,000	4,408
Pre-tax net operating income	$932,000	3,960
Securities gains (losses)	$-15,000	7,996
Applicable income taxes	$307,000	3,012
Income before extraordinary items	$610,000	4,401
Extraordinary gains, net	$0	39
Net income	$610,000	4,405
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	4,958
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$620,050	4,345
2006-03-31 (YTD Data)		Rank
Total interest income	$1,142,000	5,735
Total interest expense	$374,000	5,862
Net interest income	$768,000	5,530
Provision for loan and lease losses	$16,000	4,730
Total noninterest income	$147,000	4,738
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$137,000	2,792
Trading account gains and fees	$0	115
Additional Noninterest Income	$10,000	7,545
Total noninterest expense	$435,000	6,571
Salaries and employee benefits	$132,000	7,840
Premises and equipment expense	$53,000	6,629
Additional noninterest expense	$250,000	4,475
Pre-tax net operating income	$464,000	3,916
Securities gains (losses)	$0	955
Applicable income taxes	$156,000	2,978
Income before extraordinary items	$308,000	4,348
Extraordinary gains, net	$0	21
Net income	$308,000	4,348
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,399
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$308,000	4,339
2005-12-31 (YTD Data)		Rank
Total interest income	$4,160,000	5,704
Total interest expense	$1,046,000	6,174
Net interest income	$3,114,000	5,389
Provision for loan and lease losses	$123,000	4,428
Total noninterest income	$646,000	4,603
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$608,000	2,641
Trading account gains and fees	$0	138
Additional Noninterest Income	$38,000	7,667
Total noninterest expense	$2,160,000	5,843
Salaries and employee benefits	$875,000	6,705
Premises and equipment expense	$221,000	6,513
Additional noninterest expense	$1,064,000	4,210
Pre-tax net operating income	$1,477,000	4,422
Securities gains (losses)	$-78,000	8,344
Applicable income taxes	$483,000	3,428
Income before extraordinary items	$916,000	5,041
Extraordinary gains, net	$0	46
Net income	$916,000	5,043
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$21,000	5,230
Cash dividends	$1,000,000	2,429
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$966,700	4,882
2005-09-30 (YTD Data)		Rank
Total interest income	$2,979,000	5,825
Total interest expense	$719,000	6,286
Net interest income	$2,260,000	5,516
Provision for loan and lease losses	$79,000	4,657
Total noninterest income	$496,000	4,565
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$465,000	2,584
Trading account gains and fees	$0	126
Additional Noninterest Income	$31,000	7,617
Total noninterest expense	$1,638,000	5,776
Salaries and employee benefits	$659,000	6,702
Premises and equipment expense	$172,000	6,397
Additional noninterest expense	$807,000	4,153
Pre-tax net operating income	$1,039,000	4,670
Securities gains (losses)	$0	2,317
Applicable income taxes	$344,000	3,556
Income before extraordinary items	$695,000	5,108
Extraordinary gains, net	$0	35
Net income	$695,000	5,110
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	7,634
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$695,000	5,063
2005-06-30 (YTD Data)		Rank
Total interest income	$1,861,000	5,952
Total interest expense	$453,000	6,295
Net interest income	$1,408,000	5,695
Provision for loan and lease losses	$20,000	5,646
Total noninterest income	$328,000	4,550
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$306,000	2,582
Trading account gains and fees	$0	116
Additional Noninterest Income	$22,000	7,544
Total noninterest expense	$1,069,000	5,838
Salaries and employee benefits	$424,000	6,787
Premises and equipment expense	$113,000	6,431
Additional noninterest expense	$532,000	4,157
Pre-tax net operating income	$647,000	4,816
Securities gains (losses)	$0	2,146
Applicable income taxes	$213,000	3,683
Income before extraordinary items	$434,000	5,246
Extraordinary gains, net	$0	30
Net income	$434,000	5,248
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,785
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$434,000	5,197
2005-03-31 (YTD Data)		Rank
Total interest income	$867,000	6,152
Total interest expense	$222,000	6,271
Net interest income	$645,000	6,001
Provision for loan and lease losses	$18,000	4,743
Total noninterest income	$163,000	4,492
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$152,000	2,533
Trading account gains and fees	$0	115
Additional Noninterest Income	$11,000	7,631
Total noninterest expense	$522,000	5,957
Salaries and employee benefits	$199,000	6,989
Premises and equipment expense	$54,000	6,573
Additional noninterest expense	$269,000	4,134
Pre-tax net operating income	$268,000	5,280
Securities gains (losses)	$0	1,685
Applicable income taxes	$86,000	4,012
Income before extraordinary items	$182,000	5,644
Extraordinary gains, net	$0	24
Net income	$182,000	5,645
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	7,933
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$182,000	5,607
2004-12-31 (YTD Data)		Rank
Total interest income	$3,377,000	6,069
Total interest expense	$894,000	5,963
Net interest income	$2,483,000	6,026
Provision for loan and lease losses	$34,000	6,353
Total noninterest income	$568,000	4,950
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$597,000	2,712
Trading account gains and fees	$0	138
Additional Noninterest Income	$-29,000	8,944
Total noninterest expense	$1,992,000	6,018
Salaries and employee benefits	$759,000	7,073
Premises and equipment expense	$186,000	6,923
Additional noninterest expense	$1,047,000	4,183
Pre-tax net operating income	$1,025,000	5,175
Securities gains (losses)	$0	3,819
Applicable income taxes	$351,000	3,931
Income before extraordinary items	$674,000	5,686
Extraordinary gains, net	$0	34
Net income	$674,000	5,688
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$8,000	6,277
Cash dividends	$500,000	3,518
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$674,000	5,623
2004-09-30 (YTD Data)		Rank
Total interest income	$2,520,000	6,085
Total interest expense	$678,000	5,915
Net interest income	$1,842,000	6,075
Provision for loan and lease losses	$72,000	4,871
Total noninterest income	$511,000	4,478
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$448,000	2,731
Trading account gains and fees	$0	134
Additional Noninterest Income	$63,000	6,728
Total noninterest expense	$1,467,000	6,033
Salaries and employee benefits	$542,000	7,158
Premises and equipment expense	$129,000	7,057
Additional noninterest expense	$796,000	4,105
Pre-tax net operating income	$814,000	5,140
Securities gains (losses)	$0	3,710
Applicable income taxes	$266,000	3,973
Income before extraordinary items	$548,000	5,591
Extraordinary gains, net	$0	26
Net income	$548,000	5,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,696
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$548,000	5,518
2004-06-30 (YTD Data)		Rank
Total interest income	$1,653,000	6,157
Total interest expense	$461,000	5,878
Net interest income	$1,192,000	6,166
Provision for loan and lease losses	$64,000	4,212
Total noninterest income	$350,000	4,423
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$298,000	2,727
Trading account gains and fees	$0	130
Additional Noninterest Income	$52,000	6,365
Total noninterest expense	$969,000	6,101
Salaries and employee benefits	$355,000	7,264
Premises and equipment expense	$79,000	7,252
Additional noninterest expense	$535,000	4,103
Pre-tax net operating income	$509,000	5,265
Securities gains (losses)	$0	3,413
Applicable income taxes	$167,000	4,070
Income before extraordinary items	$342,000	5,734
Extraordinary gains, net	$0	21
Net income	$342,000	5,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,524
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$342,000	5,649
2004-03-31 (YTD Data)		Rank
Total interest income	$837,000	6,132
Total interest expense	$245,000	5,768
Net interest income	$592,000	6,198
Provision for loan and lease losses	$94,000	2,217
Total noninterest income	$179,000	4,333
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$146,000	2,732
Trading account gains and fees	$0	121
Additional Noninterest Income	$33,000	5,928
Total noninterest expense	$492,000	6,092
Salaries and employee benefits	$182,000	7,232
Premises and equipment expense	$40,000	7,262
Additional noninterest expense	$270,000	4,069
Pre-tax net operating income	$185,000	6,001
Securities gains (losses)	$0	2,934
Applicable income taxes	$60,000	4,582
Income before extraordinary items	$125,000	6,420
Extraordinary gains, net	$0	16
Net income	$125,000	6,419
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-1,000	6,968
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$125,000	6,298
2003-12-31 (YTD Data)		Rank
Total interest income	$3,533,000	6,017
Total interest expense	$1,179,000	5,615
Net interest income	$2,354,000	6,092
Provision for loan and lease losses	$92,000	5,446
Total noninterest income	$648,000	4,756
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$588,000	2,740
Trading account gains and fees	$0	160
Additional Noninterest Income	$60,000	7,309
Total noninterest expense	$2,014,000	5,976
Salaries and employee benefits	$752,000	7,104
Premises and equipment expense	$159,000	7,278
Additional noninterest expense	$1,103,000	3,970
Pre-tax net operating income	$896,000	5,436
Securities gains (losses)	$-4,000	8,670
Applicable income taxes	$295,000	4,306
Income before extraordinary items	$597,000	5,963
Extraordinary gains, net	$0	54
Net income	$597,000	5,967
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$15,000	6,342
Cash dividends	$350,000	4,142
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$599,680	5,780
2003-09-30 (YTD Data)		Rank
Total interest income	$2,657,000	6,082
Total interest expense	$915,000	5,659
Net interest income	$1,742,000	6,171
Provision for loan and lease losses	$113,000	4,460
Total noninterest income	$499,000	4,749
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$434,000	2,778
Trading account gains and fees	$0	153
Additional Noninterest Income	$65,000	6,817
Total noninterest expense	$1,601,000	5,758
Salaries and employee benefits	$612,000	6,869
Premises and equipment expense	$119,000	7,291
Additional noninterest expense	$870,000	3,803
Pre-tax net operating income	$527,000	6,170
Securities gains (losses)	$-9,000	8,933
Applicable income taxes	$144,000	5,164
Income before extraordinary items	$374,000	6,504
Extraordinary gains, net	$0	40
Net income	$374,000	6,505
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$23,000	5,233
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$380,480	6,296
2003-06-30 (YTD Data)		Rank
Total interest income	$1,787,000	6,084
Total interest expense	$608,000	5,793
Net interest income	$1,179,000	6,123
Provision for loan and lease losses	$117,000	3,616
Total noninterest income	$325,000	4,780
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$290,000	2,728
Trading account gains and fees	$0	150
Additional Noninterest Income	$35,000	7,146
Total noninterest expense	$1,077,000	5,732
Salaries and employee benefits	$420,000	6,813
Premises and equipment expense	$82,000	7,238
Additional noninterest expense	$575,000	3,831
Pre-tax net operating income	$310,000	6,443
Securities gains (losses)	$-9,000	9,038
Applicable income taxes	$72,000	5,530
Income before extraordinary items	$229,000	6,711
Extraordinary gains, net	$0	30
Net income	$229,000	6,714
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	6,160
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$235,840	6,445
2003-03-31 (YTD Data)		Rank
Total interest income	$901,000	6,098
Total interest expense	$311,000	5,833
Net interest income	$590,000	6,101
Provision for loan and lease losses	$71,000	3,047
Total noninterest income	$163,000	4,677
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$142,000	2,695
Trading account gains and fees	$0	134
Additional Noninterest Income	$21,000	6,840
Total noninterest expense	$545,000	5,673
Salaries and employee benefits	$214,000	6,766
Premises and equipment expense	$42,000	7,220
Additional noninterest expense	$289,000	3,765
Pre-tax net operating income	$137,000	6,658
Securities gains (losses)	$0	2,891
Applicable income taxes	$18,000	6,161
Income before extraordinary items	$119,000	6,565
Extraordinary gains, net	$0	21
Net income	$119,000	6,564
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	4,268
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$119,000	6,401
2002-12-31 (YTD Data)		Rank
Total interest income	$3,878,000	6,006
Total interest expense	$1,747,000	5,232
Net interest income	$2,131,000	6,431
Provision for loan and lease losses	$303,000	3,391
Total noninterest income	$672,000	4,439
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$576,000	2,643
Trading account gains and fees	$0	153
Additional Noninterest Income	$96,000	6,527
Total noninterest expense	$2,099,000	5,712
Salaries and employee benefits	$835,000	6,758
Premises and equipment expense	$181,000	7,015
Additional noninterest expense	$1,083,000	3,933
Pre-tax net operating income	$401,000	7,157
Securities gains (losses)	$22,000	3,078
Applicable income taxes	$194,000	5,160
Income before extraordinary items	$229,000	7,679
Extraordinary gains, net	$0	70
Net income	$229,000	7,678
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$278,000	2,479
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$214,920	7,676
2001-12-31 (YTD Data)		Rank
Total interest income	$2,942,000	7,313
Total interest expense	$1,729,000	6,547
Net interest income	$1,213,000	7,854
Provision for loan and lease losses	$45,000	6,815
Total noninterest income	$308,000	6,354
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$274,000	4,405
Trading account gains and fees	$0	177
Additional Noninterest Income	$34,000	8,222
Total noninterest expense	$1,063,000	7,793
Salaries and employee benefits	$549,000	7,935
Premises and equipment expense	$104,000	8,232
Additional noninterest expense	$410,000	7,063
Pre-tax net operating income	$408,000	6,940
Securities gains (losses)	$13,000	3,437
Applicable income taxes	$99,000	6,018
Income before extraordinary items	$322,000	6,999
Extraordinary gains, net	$0	105
Net income	$322,000	6,999
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,713
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$312,120	6,940
2000-12-31 (YTD Data)		Rank
Total interest income	$3,760,000	6,676
Total interest expense	$1,917,000	6,389
Net interest income	$1,843,000	6,835
Provision for loan and lease losses	$58,000	6,353
Total noninterest income	$279,000	6,483
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$205,000	5,029
Trading account gains and fees	NA	NA
Additional Noninterest Income	$74,000	7,070
Total noninterest expense	$1,091,000	7,765
Salaries and employee benefits	$491,000	8,294
Premises and equipment expense	$113,000	8,218
Additional noninterest expense	$487,000	6,525
Pre-tax net operating income	$973,000	5,326
Securities gains (losses)	$0	1,956
Applicable income taxes	$393,000	4,008
Income before extraordinary items	$580,000	5,945
Extraordinary gains, net	$0	38
Net income	$580,000	5,943
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$20,000	5,979
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$13,000	882
Net operating income	$580,000	5,955
1999-12-31 (YTD Data)		Rank
Total interest income	$3,434,000	6,897
Total interest expense	$1,744,000	6,471
Net interest income	$1,690,000	7,215
Provision for loan and lease losses	$58,000	6,335
Total noninterest income	$196,000	7,538
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$177,000	5,430
Trading account gains and fees	NA	NA
Additional Noninterest Income	$19,000	9,296
Total noninterest expense	$998,000	8,138
Salaries and employee benefits	$477,000	8,473
Premises and equipment expense	$123,000	8,172
Additional noninterest expense	$398,000	7,290
Pre-tax net operating income	$830,000	5,823
Securities gains (losses)	$0	3,155
Applicable income taxes	$315,000	4,704
Income before extraordinary items	$515,000	6,335
Extraordinary gains, net	$0	35
Net income	$515,000	6,332
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$33,000	5,465
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$30,000	898
Net operating income	$515,000	6,313
1998-12-31 (YTD Data)		Rank
Total interest income	$3,219,000	7,261
Total interest expense	$1,728,000	6,708
Net interest income	$1,491,000	7,706
Provision for loan and lease losses	$57,000	6,384
Total noninterest income	$169,000	7,970
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$148,000	5,972
Trading account gains and fees	NA	NA
Additional Noninterest Income	$21,000	9,437
Total noninterest expense	$921,000	8,369
Salaries and employee benefits	$465,000	8,570
Premises and equipment expense	$97,000	8,780
Additional noninterest expense	$359,000	7,584
Pre-tax net operating income	$682,000	6,553
Securities gains (losses)	$0	4,449
Applicable income taxes	$270,000	5,455
Income before extraordinary items	$412,000	7,131
Extraordinary gains, net	$0	32
Net income	$412,000	7,129
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$40,000	5,328
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$34,000	894
Net operating income	$412,000	7,038
1997-12-31 (YTD Data)		Rank
Total interest income	$2,829,000	7,964
Total interest expense	$1,453,000	7,461
Net interest income	$1,376,000	8,290
Provision for loan and lease losses	$28,000	7,514
Total noninterest income	$137,000	8,783
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	6,738
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	10,083
Total noninterest expense	$896,000	8,699
Salaries and employee benefits	$445,000	8,970
Premises and equipment expense	$98,000	9,012
Additional noninterest expense	$353,000	7,780
Pre-tax net operating income	$589,000	7,476
Securities gains (losses)	$0	3,944
Applicable income taxes	$231,000	6,485
Income before extraordinary items	$358,000	7,927
Extraordinary gains, net	$0	44
Net income	$358,000	7,931
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$17,000	6,805
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$37,000	869
Net operating income	$358,000	7,870
1996-12-31 (YTD Data)		Rank
Total interest income	$2,658,000	8,489
Total interest expense	$1,339,000	7,985
Net interest income	$1,319,000	8,719
Provision for loan and lease losses	$76,000	5,685
Total noninterest income	$133,000	9,312
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$121,000	7,040
Trading account gains and fees	NA	NA
Additional Noninterest Income	$12,000	10,870
Total noninterest expense	$832,000	9,315
Salaries and employee benefits	$431,000	9,384
Premises and equipment expense	$91,000	9,522
Additional noninterest expense	$310,000	8,768
Pre-tax net operating income	$544,000	7,710
Securities gains (losses)	$0	4,148
Applicable income taxes	$214,000	6,916
Income before extraordinary items	$330,000	8,161
Extraordinary gains, net	$0	53
Net income	$330,000	8,161
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$60,000	4,930
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$27,000	792
Net operating income	$330,000	8,104
1995-12-31 (YTD Data)		Rank
Total interest income	$2,421,000	9,088
Total interest expense	$1,226,000	8,504
Net interest income	$1,195,000	9,342
Provision for loan and lease losses	$10,000	8,319
Total noninterest income	$125,000	9,756
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$114,000	7,451
Trading account gains and fees	NA	NA
Additional Noninterest Income	$11,000	11,437
Total noninterest expense	$814,000	9,713
Salaries and employee benefits	$402,000	9,931
Premises and equipment expense	$92,000	9,856
Additional noninterest expense	$320,000	9,033
Pre-tax net operating income	$496,000	8,462
Securities gains (losses)	$0	3,831
Applicable income taxes	$191,000	7,580
Income before extraordinary items	$305,000	8,891
Extraordinary gains, net	$0	65
Net income	$305,000	8,895
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	10,004
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$25,000	703
Net operating income	$305,000	8,860
1994-12-31 (YTD Data)		Rank
Total interest income	$1,941,000	9,905
Total interest expense	$904,000	9,118
Net interest income	$1,037,000	10,268
Provision for loan and lease losses	$11,000	8,408
Total noninterest income	$147,000	9,754
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$130,000	7,363
Trading account gains and fees	NA	NA
Additional Noninterest Income	$17,000	11,641
Total noninterest expense	$776,000	10,349
Salaries and employee benefits	$369,000	10,558
Premises and equipment expense	$75,000	10,805
Additional noninterest expense	$332,000	9,579
Pre-tax net operating income	$397,000	9,400
Securities gains (losses)	$0	3,600
Applicable income taxes	$143,000	8,451
Income before extraordinary items	$254,000	9,653
Extraordinary gains, net	$0	249
Net income	$254,000	9,665
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	7,099
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$19,000	1,022
Net operating income	$254,000	9,721
1993-12-31 (YTD Data)		Rank
Total interest income	$1,747,000	10,712
Total interest expense	$886,000	9,609
Net interest income	$861,000	11,311
Provision for loan and lease losses	$7,000	9,969
Total noninterest income	$155,000	10,106
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$139,000	7,368
Trading account gains and fees	NA	NA
Additional Noninterest Income	$16,000	12,333
Total noninterest expense	$705,000	11,134
Salaries and employee benefits	$334,000	11,318
Premises and equipment expense	$104,000	10,324
Additional noninterest expense	$267,000	10,864
Pre-tax net operating income	$304,000	10,206
Securities gains (losses)	$15,000	5,022
Applicable income taxes	$113,000	9,447
Income before extraordinary items	$206,000	10,572
Extraordinary gains, net	$0	3,149
Net income	$206,000	10,682
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$2,000	9,554
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$196,250	10,481
1992-12-31 (YTD Data)		Rank
Total interest income	$1,810,000	11,286
Total interest expense	$1,036,000	10,245
Net interest income	$774,000	12,018
Provision for loan and lease losses	$60,000	8,535
Total noninterest income	$119,000	11,221
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$106,000	8,336
Trading account gains and fees	NA	NA
Additional Noninterest Income	$13,000	13,144
Total noninterest expense	$691,000	11,559
Salaries and employee benefits	$323,000	11,754
Premises and equipment expense	$91,000	11,073
Additional noninterest expense	$277,000	11,175
Pre-tax net operating income	$142,000	11,600
Securities gains (losses)	$8,000	6,653
Applicable income taxes	$37,000	11,601
Income before extraordinary items	$113,000	11,769
Extraordinary gains, net	$0	1,422
Net income	$113,000	11,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$52,000	7,468
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$28,000	987
Net operating income	$107,000	11,548

* 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.