Home > West Side State Savings Bank > Income and Expense
West Side State Savings Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,481,000 | 7,919 |
| Total interest expense | $349,000 | 7,875 |
| Net interest income | $1,132,000 | 7,846 |
| Provision for loan and lease losses | $20,000 | 6,718 |
| Total noninterest income | $140,000 | 7,697 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $107,000 | 6,373 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $33,000 | 7,887 |
| Total noninterest expense | $768,000 | 8,212 |
| Salaries and employee benefits | $387,000 | 8,341 |
| Premises and equipment expense | $110,000 | 7,848 |
| Additional noninterest expense | $271,000 | 7,872 |
| Pre-tax net operating income | $484,000 | 6,759 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $166,000 | 4,972 |
| Income before extraordinary items | $318,000 | 7,150 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $318,000 | 7,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,277 |
| Cash dividends | $70,000 | 5,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $318,000 | 7,099 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,071,000 | 8,018 |
| Total interest expense | $255,000 | 7,947 |
| Net interest income | $816,000 | 7,938 |
| Provision for loan and lease losses | $20,000 | 6,311 |
| Total noninterest income | $95,000 | 7,870 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $75,000 | 6,528 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 8,070 |
| Total noninterest expense | $568,000 | 8,231 |
| Salaries and employee benefits | $289,000 | 8,339 |
| Premises and equipment expense | $75,000 | 7,966 |
| Additional noninterest expense | $204,000 | 7,879 |
| Pre-tax net operating income | $323,000 | 7,082 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $119,000 | 5,147 |
| Income before extraordinary items | $204,000 | 7,456 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $204,000 | 7,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,626 |
| Cash dividends | $70,000 | 4,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $204,000 | 7,397 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $684,000 | 8,135 |
| Total interest expense | $163,000 | 8,077 |
| Net interest income | $521,000 | 8,041 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $56,000 | 8,050 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $43,000 | 6,739 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $13,000 | 8,126 |
| Total noninterest expense | $378,000 | 8,284 |
| Salaries and employee benefits | $192,000 | 8,397 |
| Premises and equipment expense | $47,000 | 8,072 |
| Additional noninterest expense | $139,000 | 7,866 |
| Pre-tax net operating income | $199,000 | 7,194 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $68,000 | 5,316 |
| Income before extraordinary items | $131,000 | 7,489 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $131,000 | 7,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $70,000 | 4,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $131,000 | 7,417 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $333,000 | 8,208 |
| Total interest expense | $80,000 | 8,165 |
| Net interest income | $253,000 | 8,118 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $22,000 | 8,321 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $5,000 | 8,313 |
| Total noninterest expense | $185,000 | 8,352 |
| Salaries and employee benefits | $96,000 | 8,435 |
| Premises and equipment expense | $24,000 | 8,053 |
| Additional noninterest expense | $65,000 | 8,009 |
| Pre-tax net operating income | $90,000 | 7,308 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $31,000 | 5,362 |
| Income before extraordinary items | $59,000 | 7,597 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $59,000 | 7,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $20,000 | 3,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $59,000 | 7,525 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,393,000 | 8,186 |
| Total interest expense | $360,000 | 8,245 |
| Net interest income | $1,033,000 | 8,051 |
| Provision for loan and lease losses | $18,000 | 7,137 |
| Total noninterest income | $118,000 | 8,127 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $82,000 | 6,865 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $36,000 | 7,939 |
| Total noninterest expense | $629,000 | 8,593 |
| Salaries and employee benefits | $335,000 | 8,644 |
| Premises and equipment expense | $77,000 | 8,384 |
| Additional noninterest expense | $217,000 | 8,332 |
| Pre-tax net operating income | $504,000 | 6,670 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $191,000 | 4,984 |
| Income before extraordinary items | $313,000 | 7,224 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $313,000 | 7,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,848 |
| Cash dividends | $200,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $313,000 | 7,079 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,046,000 | 8,269 |
| Total interest expense | $274,000 | 8,360 |
| Net interest income | $772,000 | 8,130 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $85,000 | 8,225 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $62,000 | 6,909 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $23,000 | 8,129 |
| Total noninterest expense | $460,000 | 8,632 |
| Salaries and employee benefits | $248,000 | 8,659 |
| Premises and equipment expense | $54,000 | 8,492 |
| Additional noninterest expense | $158,000 | 8,393 |
| Pre-tax net operating income | $379,000 | 6,803 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $152,000 | 5,073 |
| Income before extraordinary items | $227,000 | 7,412 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $227,000 | 7,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,831 |
| Cash dividends | $200,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $227,000 | 7,255 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $696,000 | 8,334 |
| Total interest expense | $187,000 | 8,415 |
| Net interest income | $509,000 | 8,189 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $57,000 | 8,206 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $44,000 | 6,806 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $13,000 | 8,275 |
| Total noninterest expense | $293,000 | 8,705 |
| Salaries and employee benefits | $158,000 | 8,748 |
| Premises and equipment expense | $35,000 | 8,530 |
| Additional noninterest expense | $100,000 | 8,459 |
| Pre-tax net operating income | $273,000 | 6,675 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $103,000 | 5,089 |
| Income before extraordinary items | $170,000 | 7,253 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $170,000 | 7,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,885 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $170,000 | 7,073 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $345,000 | 8,410 |
| Total interest expense | $95,000 | 8,490 |
| Net interest income | $250,000 | 8,247 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $29,000 | 8,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $141,000 | 8,808 |
| Salaries and employee benefits | $77,000 | 8,818 |
| Premises and equipment expense | $18,000 | 8,517 |
| Additional noninterest expense | $46,000 | 8,601 |
| Pre-tax net operating income | $138,000 | 6,639 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $51,000 | 5,066 |
| Income before extraordinary items | $87,000 | 7,137 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $87,000 | 7,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 9,027 |
| Cash dividends | $200,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $87,000 | 6,985 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,458,000 | 8,431 |
| Total interest expense | $465,000 | 8,480 |
| Net interest income | $993,000 | 8,271 |
| Provision for loan and lease losses | $40,000 | 6,915 |
| Total noninterest income | $128,000 | 8,085 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $93,000 | 6,699 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $35,000 | 8,031 |
| Total noninterest expense | $547,000 | 8,893 |
| Salaries and employee benefits | $294,000 | 8,919 |
| Premises and equipment expense | $62,000 | 8,726 |
| Additional noninterest expense | $191,000 | 8,616 |
| Pre-tax net operating income | $534,000 | 6,642 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $204,000 | 5,080 |
| Income before extraordinary items | $330,000 | 7,176 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $330,000 | 7,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $110,000 | 5,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $330,000 | 7,069 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,490,000 | 8,745 |
| Total interest expense | $683,000 | 8,654 |
| Net interest income | $807,000 | 8,652 |
| Provision for loan and lease losses | $25,000 | 7,375 |
| Total noninterest income | $104,000 | 8,448 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $84,000 | 6,897 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $20,000 | 8,732 |
| Total noninterest expense | $548,000 | 9,075 |
| Salaries and employee benefits | $281,000 | 9,141 |
| Premises and equipment expense | $68,000 | 8,826 |
| Additional noninterest expense | $199,000 | 8,661 |
| Pre-tax net operating income | $338,000 | 7,243 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $132,000 | 5,641 |
| Income before extraordinary items | $206,000 | 7,684 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $206,000 | 7,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $175,000 | 5,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $206,000 | 7,567 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,471,000 | 8,985 |
| Total interest expense | $778,000 | 8,690 |
| Net interest income | $693,000 | 9,137 |
| Provision for loan and lease losses | $44,000 | 6,751 |
| Total noninterest income | $79,000 | 8,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 9,267 |
| Total noninterest expense | $546,000 | 9,269 |
| Salaries and employee benefits | $283,000 | 9,338 |
| Premises and equipment expense | $73,000 | 8,931 |
| Additional noninterest expense | $190,000 | 8,876 |
| Pre-tax net operating income | $182,000 | 8,435 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $64,000 | 7,024 |
| Income before extraordinary items | $118,000 | 8,594 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $118,000 | 8,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,940 |
| Cash dividends | $145,000 | 5,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $118,000 | 8,588 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,365,000 | 9,237 |
| Total interest expense | $635,000 | 9,123 |
| Net interest income | $730,000 | 9,218 |
| Provision for loan and lease losses | $25,000 | 7,415 |
| Total noninterest income | $65,000 | 9,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $38,000 | 8,115 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 8,963 |
| Total noninterest expense | $487,000 | 9,660 |
| Salaries and employee benefits | $269,000 | 9,630 |
| Premises and equipment expense | $63,000 | 9,372 |
| Additional noninterest expense | $155,000 | 9,474 |
| Pre-tax net operating income | $283,000 | 8,185 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $96,000 | 6,980 |
| Income before extraordinary items | $187,000 | 8,394 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $187,000 | 8,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,900 |
| Cash dividends | $175,000 | 5,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $187,000 | 8,361 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $769,000 | 10,054 |
| Total interest expense | $360,000 | 9,959 |
| Net interest income | $409,000 | 10,069 |
| Provision for loan and lease losses | $15,000 | 7,946 |
| Total noninterest income | $26,000 | 10,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 8,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,482 |
| Total noninterest expense | $245,000 | 10,338 |
| Salaries and employee benefits | $144,000 | 10,278 |
| Premises and equipment expense | $21,000 | 10,295 |
| Additional noninterest expense | $80,000 | 10,266 |
| Pre-tax net operating income | $175,000 | 9,035 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $80,000 | 7,823 |
| Income before extraordinary items | $95,000 | 9,373 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $95,000 | 9,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $30,000 | 7,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $95,000 | 9,309 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 9,791 |
| Total interest expense | $665,000 | 9,639 |
| Net interest income | $748,000 | 9,811 |
| Provision for loan and lease losses | $40,000 | 7,002 |
| Total noninterest income | $28,000 | 10,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 9,287 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,956 |
| Total noninterest expense | $381,000 | 10,530 |
| Salaries and employee benefits | $247,000 | 10,289 |
| Premises and equipment expense | $30,000 | 10,611 |
| Additional noninterest expense | $104,000 | 10,507 |
| Pre-tax net operating income | $355,000 | 8,700 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $143,000 | 7,708 |
| Income before extraordinary items | $212,000 | 9,057 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $212,000 | 9,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $212,000 | 9,013 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,374,000 | 10,286 |
| Total interest expense | $684,000 | 10,015 |
| Net interest income | $690,000 | 10,418 |
| Provision for loan and lease losses | $12,000 | 8,364 |
| Total noninterest income | $33,000 | 11,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 9,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 10,300 |
| Total noninterest expense | $385,000 | 11,010 |
| Salaries and employee benefits | $237,000 | 10,795 |
| Premises and equipment expense | $39,000 | 10,933 |
| Additional noninterest expense | $109,000 | 11,007 |
| Pre-tax net operating income | $326,000 | 8,958 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $110,000 | 8,579 |
| Income before extraordinary items | $216,000 | 9,151 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $216,000 | 9,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $90,000 | 6,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $216,000 | 9,098 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,319,000 | 10,809 |
| Total interest expense | $635,000 | 10,549 |
| Net interest income | $684,000 | 10,887 |
| Provision for loan and lease losses | $59,000 | 5,927 |
| Total noninterest income | $28,000 | 11,682 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 10,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,150 |
| Total noninterest expense | $413,000 | 11,387 |
| Salaries and employee benefits | $239,000 | 11,236 |
| Premises and equipment expense | $42,000 | 11,323 |
| Additional noninterest expense | $132,000 | 11,291 |
| Pre-tax net operating income | $240,000 | 10,196 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $75,000 | 9,683 |
| Income before extraordinary items | $165,000 | 10,311 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $165,000 | 10,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,140 |
| Cash dividends | $90,000 | 6,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $165,000 | 10,290 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,284,000 | 11,175 |
| Total interest expense | $557,000 | 10,820 |
| Net interest income | $727,000 | 11,289 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $33,000 | 12,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 10,670 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 11,420 |
| Total noninterest expense | $417,000 | 11,964 |
| Salaries and employee benefits | $236,000 | 11,786 |
| Premises and equipment expense | $35,000 | 12,105 |
| Additional noninterest expense | $146,000 | 11,834 |
| Pre-tax net operating income | $343,000 | 9,784 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $115,000 | 9,026 |
| Income before extraordinary items | $225,000 | 9,977 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $225,000 | 9,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $85,000 | 7,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $226,980 | 10,028 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,333,000 | 11,606 |
| Total interest expense | $587,000 | 11,211 |
| Net interest income | $746,000 | 11,702 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $37,000 | 12,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,128 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,812 |
| Total noninterest expense | $438,000 | 12,476 |
| Salaries and employee benefits | $233,000 | 12,352 |
| Premises and equipment expense | $42,000 | 12,473 |
| Additional noninterest expense | $163,000 | 12,242 |
| Pre-tax net operating income | $345,000 | 9,852 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $127,000 | 9,151 |
| Income before extraordinary items | $227,000 | 10,311 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $227,000 | 10,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $75,000 | 7,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $221,240 | 10,156 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,373,000 | 12,248 |
| Total interest expense | $728,000 | 11,678 |
| Net interest income | $645,000 | 12,544 |
| Provision for loan and lease losses | $19,000 | 10,662 |
| Total noninterest income | $25,000 | 13,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 11,513 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 13,290 |
| Total noninterest expense | $423,000 | 13,055 |
| Salaries and employee benefits | $234,000 | 12,776 |
| Premises and equipment expense | $29,000 | 13,446 |
| Additional noninterest expense | $160,000 | 12,788 |
| Pre-tax net operating income | $228,000 | 10,812 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $83,000 | 10,366 |
| Income before extraordinary items | $150,000 | 11,275 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $150,000 | 11,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 9,274 |
| Cash dividends | $60,000 | 7,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $146,800 | 10,983 |
* 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.