Home > Villa Park Trust & Savings Bank > Income and Expense
Villa Park Trust & Savings Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,580,000 | 2,102 |
| Total interest expense | $3,558,000 | 2,186 |
| Net interest income | $8,022,000 | 2,066 |
| Provision for loan and lease losses | $187,000 | 3,066 |
| Total noninterest income | $922,000 | 3,092 |
| Gross Fiduciary activities income | $59,000 | 972 |
| Service charges on deposit accounts | $421,000 | 2,809 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $442,000 | 3,101 |
| Total noninterest expense | $4,758,000 | 2,588 |
| Salaries and employee benefits | $3,016,000 | 2,262 |
| Premises and equipment expense | $302,000 | 4,822 |
| Additional noninterest expense | $1,440,000 | 2,558 |
| Pre-tax net operating income | $3,999,000 | 1,766 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,328,000 | 1,521 |
| Income before extraordinary items | $2,671,000 | 1,962 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,671,000 | 1,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,341 |
| Cash dividends | $1,600,000 | 1,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,671,000 | 1,928 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,628,000 | 2,063 |
| Total interest expense | $2,279,000 | 2,158 |
| Net interest income | $5,349,000 | 2,037 |
| Provision for loan and lease losses | $125,000 | 2,939 |
| Total noninterest income | $600,000 | 3,094 |
| Gross Fiduciary activities income | $40,000 | 973 |
| Service charges on deposit accounts | $270,000 | 2,834 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $290,000 | 3,128 |
| Total noninterest expense | $3,106,000 | 2,613 |
| Salaries and employee benefits | $2,001,000 | 2,259 |
| Premises and equipment expense | $200,000 | 4,823 |
| Additional noninterest expense | $905,000 | 2,685 |
| Pre-tax net operating income | $2,718,000 | 1,704 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $928,000 | 1,447 |
| Income before extraordinary items | $1,790,000 | 1,911 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,790,000 | 1,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $1,400,000 | 995 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,790,000 | 1,872 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,714,000 | 2,082 |
| Total interest expense | $1,074,000 | 2,186 |
| Net interest income | $2,640,000 | 2,043 |
| Provision for loan and lease losses | $62,000 | 2,802 |
| Total noninterest income | $308,000 | 3,007 |
| Gross Fiduciary activities income | $25,000 | 948 |
| Service charges on deposit accounts | $133,000 | 2,798 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $150,000 | 2,977 |
| Total noninterest expense | $1,534,000 | 2,648 |
| Salaries and employee benefits | $1,010,000 | 2,249 |
| Premises and equipment expense | $101,000 | 4,827 |
| Additional noninterest expense | $423,000 | 2,874 |
| Pre-tax net operating income | $1,352,000 | 1,693 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $436,000 | 1,507 |
| Income before extraordinary items | $916,000 | 1,847 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $916,000 | 1,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $700,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $916,000 | 1,802 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,442,000 | 2,133 |
| Total interest expense | $3,357,000 | 2,386 |
| Net interest income | $10,085,000 | 2,012 |
| Provision for loan and lease losses | $250,000 | 3,237 |
| Total noninterest income | $1,103,000 | 3,318 |
| Gross Fiduciary activities income | $75,000 | 994 |
| Service charges on deposit accounts | $521,000 | 3,044 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $507,000 | 3,279 |
| Total noninterest expense | $6,139,000 | 2,575 |
| Salaries and employee benefits | $3,965,000 | 2,196 |
| Premises and equipment expense | $410,000 | 4,679 |
| Additional noninterest expense | $1,764,000 | 2,704 |
| Pre-tax net operating income | $4,799,000 | 1,764 |
| Securities gains (losses) | $34,000 | 2,019 |
| Applicable income taxes | $1,260,000 | 1,841 |
| Income before extraordinary items | $3,573,000 | 1,779 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,573,000 | 1,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,625 |
| Cash dividends | $648,000 | 3,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,547,840 | 1,744 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,808,000 | 2,175 |
| Total interest expense | $2,352,000 | 2,488 |
| Net interest income | $7,456,000 | 2,016 |
| Provision for loan and lease losses | $187,000 | 3,110 |
| Total noninterest income | $803,000 | 3,397 |
| Gross Fiduciary activities income | $60,000 | 979 |
| Service charges on deposit accounts | $375,000 | 3,161 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $368,000 | 3,350 |
| Total noninterest expense | $4,558,000 | 2,575 |
| Salaries and employee benefits | $2,969,000 | 2,191 |
| Premises and equipment expense | $315,000 | 4,618 |
| Additional noninterest expense | $1,274,000 | 2,755 |
| Pre-tax net operating income | $3,514,000 | 1,802 |
| Securities gains (losses) | $34,000 | 1,949 |
| Applicable income taxes | $912,000 | 1,926 |
| Income before extraordinary items | $2,636,000 | 1,821 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,636,000 | 1,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,793 |
| Cash dividends | $648,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,610,840 | 1,786 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,402,000 | 2,186 |
| Total interest expense | $1,506,000 | 2,559 |
| Net interest income | $4,896,000 | 2,038 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $513,000 | 3,511 |
| Gross Fiduciary activities income | $41,000 | 987 |
| Service charges on deposit accounts | $240,000 | 3,231 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $232,000 | 3,454 |
| Total noninterest expense | $3,030,000 | 2,591 |
| Salaries and employee benefits | $1,965,000 | 2,205 |
| Premises and equipment expense | $213,000 | 4,576 |
| Additional noninterest expense | $852,000 | 2,763 |
| Pre-tax net operating income | $2,254,000 | 1,858 |
| Securities gains (losses) | $26,000 | 1,881 |
| Applicable income taxes | $574,000 | 2,004 |
| Income before extraordinary items | $1,706,000 | 1,846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,706,000 | 1,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $648,000 | 1,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,686,500 | 1,816 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,183,000 | 2,200 |
| Total interest expense | $742,000 | 2,633 |
| Net interest income | $2,441,000 | 2,049 |
| Provision for loan and lease losses | $63,000 | 2,874 |
| Total noninterest income | $246,000 | 3,562 |
| Gross Fiduciary activities income | $25,000 | 963 |
| Service charges on deposit accounts | $115,000 | 3,247 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $106,000 | 3,585 |
| Total noninterest expense | $1,531,000 | 2,582 |
| Salaries and employee benefits | $1,002,000 | 2,190 |
| Premises and equipment expense | $106,000 | 4,616 |
| Additional noninterest expense | $423,000 | 2,753 |
| Pre-tax net operating income | $1,093,000 | 1,859 |
| Securities gains (losses) | $26,000 | 1,575 |
| Applicable income taxes | $280,000 | 2,024 |
| Income before extraordinary items | $839,000 | 1,866 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $839,000 | 1,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $819,500 | 1,822 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,174,000 | 2,157 |
| Total interest expense | $3,314,000 | 2,613 |
| Net interest income | $9,860,000 | 1,985 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $1,022,000 | 3,677 |
| Gross Fiduciary activities income | $77,000 | 1,005 |
| Service charges on deposit accounts | $471,000 | 3,256 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $474,000 | 3,672 |
| Total noninterest expense | $6,111,000 | 2,559 |
| Salaries and employee benefits | $3,976,000 | 2,137 |
| Premises and equipment expense | $430,000 | 4,505 |
| Additional noninterest expense | $1,705,000 | 2,751 |
| Pre-tax net operating income | $4,471,000 | 1,799 |
| Securities gains (losses) | $29,000 | 2,952 |
| Applicable income taxes | $1,121,000 | 2,025 |
| Income before extraordinary items | $3,379,000 | 1,835 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,379,000 | 1,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,589 |
| Cash dividends | $1,436,000 | 1,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,357,250 | 1,762 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,948,000 | 2,179 |
| Total interest expense | $2,565,000 | 2,628 |
| Net interest income | $7,383,000 | 1,997 |
| Provision for loan and lease losses | $150,000 | 3,902 |
| Total noninterest income | $764,000 | 3,741 |
| Gross Fiduciary activities income | $60,000 | 998 |
| Service charges on deposit accounts | $342,000 | 3,347 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $362,000 | 3,720 |
| Total noninterest expense | $4,364,000 | 2,669 |
| Salaries and employee benefits | $2,792,000 | 2,274 |
| Premises and equipment expense | $324,000 | 4,491 |
| Additional noninterest expense | $1,248,000 | 2,788 |
| Pre-tax net operating income | $3,633,000 | 1,718 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $933,000 | 1,966 |
| Income before extraordinary items | $2,700,000 | 1,794 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,700,000 | 1,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,233 |
| Cash dividends | $247,000 | 3,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,700,000 | 1,693 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,688,000 | 2,180 |
| Total interest expense | $1,775,000 | 2,619 |
| Net interest income | $4,913,000 | 1,993 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $495,000 | 3,762 |
| Gross Fiduciary activities income | $44,000 | 989 |
| Service charges on deposit accounts | $211,000 | 3,494 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $240,000 | 3,696 |
| Total noninterest expense | $2,875,000 | 2,704 |
| Salaries and employee benefits | $1,826,000 | 2,315 |
| Premises and equipment expense | $207,000 | 4,599 |
| Additional noninterest expense | $842,000 | 2,759 |
| Pre-tax net operating income | $2,433,000 | 1,717 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $629,000 | 1,973 |
| Income before extraordinary items | $1,804,000 | 1,786 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,804,000 | 1,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $247,000 | 3,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,804,000 | 1,669 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,320,000 | 2,211 |
| Total interest expense | $924,000 | 2,602 |
| Net interest income | $2,396,000 | 2,040 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $245,000 | 3,680 |
| Gross Fiduciary activities income | $28,000 | 961 |
| Service charges on deposit accounts | $102,000 | 3,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $115,000 | 3,679 |
| Total noninterest expense | $1,417,000 | 2,724 |
| Salaries and employee benefits | $920,000 | 2,280 |
| Premises and equipment expense | $102,000 | 4,629 |
| Additional noninterest expense | $395,000 | 2,895 |
| Pre-tax net operating income | $1,174,000 | 1,781 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $304,000 | 2,033 |
| Income before extraordinary items | $870,000 | 1,820 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $870,000 | 1,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $870,000 | 1,711 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,209,000 | 2,322 |
| Total interest expense | $4,046,000 | 2,719 |
| Net interest income | $9,163,000 | 2,108 |
| Provision for loan and lease losses | $150,000 | 4,907 |
| Total noninterest income | $990,000 | 3,511 |
| Gross Fiduciary activities income | $87,000 | 1,015 |
| Service charges on deposit accounts | $465,000 | 3,158 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $438,000 | 3,524 |
| Total noninterest expense | $5,613,000 | 2,636 |
| Salaries and employee benefits | $3,636,000 | 2,205 |
| Premises and equipment expense | $376,000 | 4,852 |
| Additional noninterest expense | $1,601,000 | 2,805 |
| Pre-tax net operating income | $4,390,000 | 1,843 |
| Securities gains (losses) | $11,000 | 3,555 |
| Applicable income taxes | $1,148,000 | 1,994 |
| Income before extraordinary items | $3,253,000 | 1,842 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,253,000 | 1,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 9,024 |
| Cash dividends | $1,801,000 | 1,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,244,860 | 1,778 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,160,000 | 2,595 |
| Total interest expense | $5,225,000 | 3,043 |
| Net interest income | $7,935,000 | 2,261 |
| Provision for loan and lease losses | $200,000 | 4,117 |
| Total noninterest income | $1,063,000 | 3,199 |
| Gross Fiduciary activities income | $138,000 | 920 |
| Service charges on deposit accounts | $501,000 | 2,833 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $424,000 | 3,423 |
| Total noninterest expense | $5,181,000 | 2,742 |
| Salaries and employee benefits | $3,160,000 | 2,375 |
| Premises and equipment expense | $418,000 | 4,465 |
| Additional noninterest expense | $1,603,000 | 2,712 |
| Pre-tax net operating income | $3,617,000 | 1,929 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $931,000 | 2,178 |
| Income before extraordinary items | $2,689,000 | 1,957 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,689,000 | 1,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,750 |
| Cash dividends | $1,440,000 | 1,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,686,780 | 1,875 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,748,000 | 2,736 |
| Total interest expense | $5,594,000 | 2,969 |
| Net interest income | $7,154,000 | 2,484 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $1,318,000 | 2,576 |
| Gross Fiduciary activities income | $321,000 | 704 |
| Service charges on deposit accounts | $504,000 | 2,669 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $493,000 | 2,981 |
| Total noninterest expense | $5,024,000 | 2,706 |
| Salaries and employee benefits | $3,059,000 | 2,340 |
| Premises and equipment expense | $456,000 | 4,092 |
| Additional noninterest expense | $1,509,000 | 2,802 |
| Pre-tax net operating income | $3,248,000 | 2,217 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $853,000 | 2,399 |
| Income before extraordinary items | $2,395,000 | 2,170 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,395,000 | 2,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,010 |
| Cash dividends | $1,229,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,395,000 | 2,172 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,373,000 | 2,840 |
| Total interest expense | $4,501,000 | 3,241 |
| Net interest income | $6,872,000 | 2,555 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $1,210,000 | 2,678 |
| Gross Fiduciary activities income | $258,000 | 805 |
| Service charges on deposit accounts | $537,000 | 2,465 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $415,000 | 3,326 |
| Total noninterest expense | $4,833,000 | 2,794 |
| Salaries and employee benefits | $2,978,000 | 2,353 |
| Premises and equipment expense | $325,000 | 5,223 |
| Additional noninterest expense | $1,530,000 | 2,812 |
| Pre-tax net operating income | $3,099,000 | 2,337 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $829,000 | 2,570 |
| Income before extraordinary items | $2,271,000 | 2,292 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,271,000 | 2,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,925 |
| Cash dividends | $992,000 | 2,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,270,270 | 2,272 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,546,000 | 3,062 |
| Total interest expense | $4,125,000 | 3,580 |
| Net interest income | $6,421,000 | 2,671 |
| Provision for loan and lease losses | $150,000 | 4,136 |
| Total noninterest income | $1,013,000 | 3,047 |
| Gross Fiduciary activities income | $250,000 | 822 |
| Service charges on deposit accounts | $512,000 | 2,506 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $251,000 | 4,423 |
| Total noninterest expense | $4,340,000 | 2,989 |
| Salaries and employee benefits | $2,743,000 | 2,465 |
| Premises and equipment expense | $297,000 | 5,412 |
| Additional noninterest expense | $1,300,000 | 3,133 |
| Pre-tax net operating income | $2,944,000 | 2,421 |
| Securities gains (losses) | $7,000 | 3,223 |
| Applicable income taxes | $798,000 | 2,753 |
| Income before extraordinary items | $2,153,000 | 2,388 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,153,000 | 2,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $934,000 | 2,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,147,890 | 2,317 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,337,000 | 3,462 |
| Total interest expense | $3,415,000 | 4,226 |
| Net interest income | $5,922,000 | 2,940 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $1,057,000 | 2,919 |
| Gross Fiduciary activities income | $187,000 | 907 |
| Service charges on deposit accounts | $572,000 | 2,292 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $298,000 | 3,944 |
| Total noninterest expense | $4,529,000 | 2,800 |
| Salaries and employee benefits | $2,761,000 | 2,406 |
| Premises and equipment expense | $430,000 | 4,189 |
| Additional noninterest expense | $1,338,000 | 3,021 |
| Pre-tax net operating income | $2,350,000 | 3,069 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $628,000 | 3,540 |
| Income before extraordinary items | $1,735,000 | 2,937 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,735,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $933,000 | 2,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,725,510 | 2,896 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,383,000 | 3,857 |
| Total interest expense | $2,856,000 | 4,995 |
| Net interest income | $5,527,000 | 3,201 |
| Provision for loan and lease losses | $175,000 | 3,759 |
| Total noninterest income | $1,072,000 | 2,960 |
| Gross Fiduciary activities income | $177,000 | 998 |
| Service charges on deposit accounts | $611,000 | 2,214 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $284,000 | 4,213 |
| Total noninterest expense | $4,496,000 | 3,016 |
| Salaries and employee benefits | $2,608,000 | 2,563 |
| Premises and equipment expense | $495,000 | 3,812 |
| Additional noninterest expense | $1,393,000 | 3,322 |
| Pre-tax net operating income | $1,928,000 | 3,506 |
| Securities gains (losses) | $26,000 | 1,793 |
| Applicable income taxes | $481,000 | 4,269 |
| Income before extraordinary items | $1,473,000 | 3,242 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,473,000 | 3,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 11,145 |
| Cash dividends | $761,000 | 2,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,453,500 | 3,255 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,798,000 | 4,103 |
| Total interest expense | $2,627,000 | 5,347 |
| Net interest income | $5,171,000 | 3,423 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $1,099,000 | 2,894 |
| Gross Fiduciary activities income | $142,000 | 1,087 |
| Service charges on deposit accounts | $626,000 | 2,170 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $331,000 | 3,761 |
| Total noninterest expense | $4,521,000 | 2,975 |
| Salaries and employee benefits | $2,479,000 | 2,693 |
| Premises and equipment expense | $493,000 | 3,802 |
| Additional noninterest expense | $1,549,000 | 3,009 |
| Pre-tax net operating income | $1,624,000 | 4,176 |
| Securities gains (losses) | $22,000 | 1,840 |
| Applicable income taxes | $371,000 | 5,206 |
| Income before extraordinary items | $1,275,000 | 3,755 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,275,000 | 3,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,757 |
| Cash dividends | $867,000 | 2,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,258,060 | 3,768 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,505,000 | 3,961 |
| Total interest expense | $2,300,000 | 4,981 |
| Net interest income | $5,205,000 | 3,439 |
| Provision for loan and lease losses | $37,000 | 6,726 |
| Total noninterest income | $999,000 | 3,121 |
| Gross Fiduciary activities income | $150,000 | 1,086 |
| Service charges on deposit accounts | $581,000 | 2,340 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $268,000 | 4,403 |
| Total noninterest expense | $4,883,000 | 2,839 |
| Salaries and employee benefits | $2,509,000 | 2,651 |
| Premises and equipment expense | $559,000 | 3,468 |
| Additional noninterest expense | $1,815,000 | 2,811 |
| Pre-tax net operating income | $1,284,000 | 4,989 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $258,000 | 6,414 |
| Income before extraordinary items | $1,027,000 | 4,437 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,027,000 | 4,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,341 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,026,200 | 4,485 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,488,000 | 4,050 |
| Total interest expense | $2,361,000 | 5,049 |
| Net interest income | $5,127,000 | 3,485 |
| Provision for loan and lease losses | $94,000 | 5,936 |
| Total noninterest income | $880,000 | 3,695 |
| Gross Fiduciary activities income | $140,000 | 1,143 |
| Service charges on deposit accounts | $485,000 | 2,879 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $255,000 | 4,957 |
| Total noninterest expense | $4,688,000 | 3,016 |
| Salaries and employee benefits | $2,383,000 | 2,772 |
| Premises and equipment expense | $469,000 | 4,092 |
| Additional noninterest expense | $1,836,000 | 2,939 |
| Pre-tax net operating income | $1,225,000 | 5,110 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $247,000 | 6,851 |
| Income before extraordinary items | $978,000 | 4,776 |
| Extraordinary gains, net | $7,000 | 3,012 |
| Net income | $985,000 | 4,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,689 |
| Cash dividends | $700,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $978,000 | 4,533 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,670,000 | 4,461 |
| Total interest expense | $2,746,000 | 5,557 |
| Net interest income | $4,924,000 | 3,699 |
| Provision for loan and lease losses | $37,000 | 9,631 |
| Total noninterest income | $921,000 | 3,550 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $529,000 | 2,610 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $392,000 | 3,758 |
| Total noninterest expense | $4,495,000 | 3,160 |
| Salaries and employee benefits | $2,301,000 | 2,823 |
| Premises and equipment expense | $453,000 | 4,319 |
| Additional noninterest expense | $1,741,000 | 3,146 |
| Pre-tax net operating income | $1,313,000 | 4,571 |
| Securities gains (losses) | $7,000 | 6,774 |
| Applicable income taxes | $289,000 | 6,086 |
| Income before extraordinary items | $1,031,000 | 4,365 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,031,000 | 4,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 8,164 |
| Cash dividends | $500,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,025,540 | 4,082 |
* 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.