Home > Westerly Savings Bank > Income and Expense
Westerly Savings Bank, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,956,000 | 5,845 |
| Total interest expense | $1,204,000 | 4,925 |
| Net interest income | $1,752,000 | 6,260 |
| Provision for loan and lease losses | $18,000 | 6,207 |
| Total noninterest income | $105,000 | 7,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $105,000 | 5,862 |
| Total noninterest expense | $1,739,000 | 5,580 |
| Salaries and employee benefits | $1,073,000 | 5,185 |
| Premises and equipment expense | $349,000 | 4,373 |
| Additional noninterest expense | $317,000 | 6,980 |
| Pre-tax net operating income | $100,000 | 8,015 |
| Securities gains (losses) | $102,000 | 654 |
| Applicable income taxes | $131,000 | 4,973 |
| Income before extraordinary items | $71,000 | 8,098 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $71,000 | 8,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,720 | 8,299 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,942,000 | 5,826 |
| Total interest expense | $780,000 | 4,852 |
| Net interest income | $1,162,000 | 6,270 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $61,000 | 7,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $61,000 | 6,101 |
| Total noninterest expense | $1,126,000 | 5,675 |
| Salaries and employee benefits | $701,000 | 5,246 |
| Premises and equipment expense | $248,000 | 4,176 |
| Additional noninterest expense | $177,000 | 7,330 |
| Pre-tax net operating income | $85,000 | 7,924 |
| Securities gains (losses) | $79,000 | 644 |
| Applicable income taxes | $67,000 | 5,256 |
| Income before extraordinary items | $97,000 | 7,764 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $97,000 | 7,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $46,440 | 8,101 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $961,000 | 5,848 |
| Total interest expense | $374,000 | 4,858 |
| Net interest income | $587,000 | 6,282 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $49,000 | 7,108 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $49,000 | 5,227 |
| Total noninterest expense | $563,000 | 5,709 |
| Salaries and employee benefits | $348,000 | 5,310 |
| Premises and equipment expense | $123,000 | 4,245 |
| Additional noninterest expense | $92,000 | 7,317 |
| Pre-tax net operating income | $67,000 | 7,674 |
| Securities gains (losses) | $33,000 | 651 |
| Applicable income taxes | $41,000 | 5,013 |
| Income before extraordinary items | $59,000 | 7,606 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $59,000 | 7,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $37,880 | 7,950 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,501,000 | 5,971 |
| Total interest expense | $1,346,000 | 4,801 |
| Net interest income | $2,155,000 | 6,419 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $432,000 | 5,631 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $432,000 | 3,574 |
| Total noninterest expense | $2,168,000 | 5,749 |
| Salaries and employee benefits | $1,388,000 | 5,208 |
| Premises and equipment expense | $456,000 | 4,365 |
| Additional noninterest expense | $324,000 | 7,573 |
| Pre-tax net operating income | $395,000 | 7,101 |
| Securities gains (losses) | $138,000 | 1,026 |
| Applicable income taxes | $218,000 | 4,649 |
| Income before extraordinary items | $315,000 | 7,165 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $315,000 | 7,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $226,680 | 7,475 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,570,000 | 6,035 |
| Total interest expense | $959,000 | 4,901 |
| Net interest income | $1,611,000 | 6,451 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $148,000 | 7,214 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $148,000 | 5,155 |
| Total noninterest expense | $1,587,000 | 5,794 |
| Salaries and employee benefits | $1,014,000 | 5,273 |
| Premises and equipment expense | $339,000 | 4,382 |
| Additional noninterest expense | $234,000 | 7,627 |
| Pre-tax net operating income | $154,000 | 7,897 |
| Securities gains (losses) | $92,000 | 1,227 |
| Applicable income taxes | $101,000 | 5,334 |
| Income before extraordinary items | $145,000 | 7,807 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $145,000 | 7,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $86,120 | 8,106 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,683,000 | 6,105 |
| Total interest expense | $637,000 | 4,923 |
| Net interest income | $1,046,000 | 6,539 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $93,000 | 7,365 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $93,000 | 5,304 |
| Total noninterest expense | $1,061,000 | 5,811 |
| Salaries and employee benefits | $675,000 | 5,312 |
| Premises and equipment expense | $227,000 | 4,383 |
| Additional noninterest expense | $159,000 | 7,625 |
| Pre-tax net operating income | $66,000 | 8,148 |
| Securities gains (losses) | $68,000 | 1,269 |
| Applicable income taxes | $55,000 | 5,541 |
| Income before extraordinary items | $79,000 | 7,983 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $35,480 | 8,284 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $828,000 | 6,166 |
| Total interest expense | $321,000 | 4,963 |
| Net interest income | $507,000 | 6,648 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $45,000 | 7,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $525,000 | 5,890 |
| Salaries and employee benefits | $335,000 | 5,348 |
| Premises and equipment expense | $117,000 | 4,321 |
| Additional noninterest expense | $73,000 | 7,819 |
| Pre-tax net operating income | $21,000 | 8,304 |
| Securities gains (losses) | $44,000 | 1,269 |
| Applicable income taxes | $27,000 | 5,505 |
| Income before extraordinary items | $38,000 | 8,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $38,000 | 8,001 |
| 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 | $9,840 | 8,420 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,610,000 | 5,953 |
| Total interest expense | $1,469,000 | 4,937 |
| Net interest income | $2,141,000 | 6,375 |
| Provision for loan and lease losses | $35,000 | 6,678 |
| Total noninterest income | $224,000 | 7,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $224,000 | 5,057 |
| Total noninterest expense | $2,103,000 | 5,824 |
| Salaries and employee benefits | $1,346,000 | 5,221 |
| Premises and equipment expense | $484,000 | 4,175 |
| Additional noninterest expense | $273,000 | 7,938 |
| Pre-tax net operating income | $227,000 | 7,734 |
| Securities gains (losses) | $363,000 | 936 |
| Applicable income taxes | $241,000 | 4,637 |
| Income before extraordinary items | $349,000 | 7,046 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $349,000 | 7,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,883 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $116,680 | 8,030 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,708,000 | 6,015 |
| Total interest expense | $1,126,000 | 4,998 |
| Net interest income | $1,582,000 | 6,462 |
| Provision for loan and lease losses | $26,000 | 6,575 |
| Total noninterest income | $167,000 | 7,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $167,000 | 5,136 |
| Total noninterest expense | $1,571,000 | 5,824 |
| Salaries and employee benefits | $1,005,000 | 5,233 |
| Premises and equipment expense | $339,000 | 4,359 |
| Additional noninterest expense | $227,000 | 7,759 |
| Pre-tax net operating income | $152,000 | 7,958 |
| Securities gains (losses) | $308,000 | 943 |
| Applicable income taxes | $188,000 | 4,749 |
| Income before extraordinary items | $272,000 | 7,103 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $272,000 | 7,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $74,880 | 8,273 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 6,004 |
| Total interest expense | $764,000 | 5,071 |
| Net interest income | $1,074,000 | 6,425 |
| Provision for loan and lease losses | $17,000 | 6,512 |
| Total noninterest income | $100,000 | 7,400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $100,000 | 5,330 |
| Total noninterest expense | $1,042,000 | 5,859 |
| Salaries and employee benefits | $661,000 | 5,295 |
| Premises and equipment expense | $227,000 | 4,353 |
| Additional noninterest expense | $154,000 | 7,707 |
| Pre-tax net operating income | $115,000 | 7,883 |
| Securities gains (losses) | $184,000 | 1,098 |
| Applicable income taxes | $122,000 | 4,838 |
| Income before extraordinary items | $177,000 | 7,193 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $177,000 | 7,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $59,240 | 8,214 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $931,000 | 5,991 |
| Total interest expense | $389,000 | 5,124 |
| Net interest income | $542,000 | 6,412 |
| Provision for loan and lease losses | $8,000 | 6,296 |
| Total noninterest income | $50,000 | 7,354 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $50,000 | 5,268 |
| Total noninterest expense | $522,000 | 5,855 |
| Salaries and employee benefits | $334,000 | 5,256 |
| Premises and equipment expense | $108,000 | 4,477 |
| Additional noninterest expense | $80,000 | 7,665 |
| Pre-tax net operating income | $62,000 | 7,805 |
| Securities gains (losses) | $104,000 | 976 |
| Applicable income taxes | $68,000 | 4,629 |
| Income before extraordinary items | $98,000 | 6,936 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $98,000 | 6,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $31,440 | 8,126 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,956,000 | 5,934 |
| Total interest expense | $2,032,000 | 4,742 |
| Net interest income | $1,924,000 | 6,744 |
| Provision for loan and lease losses | $36,000 | 7,011 |
| Total noninterest income | $212,000 | 7,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $212,000 | 4,900 |
| Total noninterest expense | $1,962,000 | 5,933 |
| Salaries and employee benefits | $1,268,000 | 5,278 |
| Premises and equipment expense | $411,000 | 4,550 |
| Additional noninterest expense | $283,000 | 7,930 |
| Pre-tax net operating income | $138,000 | 8,160 |
| Securities gains (losses) | $297,000 | 904 |
| Applicable income taxes | $177,000 | 5,289 |
| Income before extraordinary items | $258,000 | 7,521 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $258,000 | 7,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $67,920 | 8,388 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,447,000 | 5,996 |
| Total interest expense | $2,767,000 | 5,035 |
| Net interest income | $1,680,000 | 7,009 |
| Provision for loan and lease losses | $27,000 | 7,336 |
| Total noninterest income | $164,000 | 7,697 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $164,000 | 5,346 |
| Total noninterest expense | $1,703,000 | 6,332 |
| Salaries and employee benefits | $1,029,000 | 5,882 |
| Premises and equipment expense | $348,000 | 5,049 |
| Additional noninterest expense | $326,000 | 7,670 |
| Pre-tax net operating income | $114,000 | 8,269 |
| Securities gains (losses) | $252,000 | 1,017 |
| Applicable income taxes | $145,000 | 5,501 |
| Income before extraordinary items | $221,000 | 7,595 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $221,000 | 7,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $59,720 | 8,467 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,395,000 | 6,173 |
| Total interest expense | $2,559,000 | 5,475 |
| Net interest income | $1,836,000 | 6,854 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $142,000 | 8,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $142,000 | 5,618 |
| Total noninterest expense | $1,555,000 | 6,597 |
| Salaries and employee benefits | $987,000 | 5,965 |
| Premises and equipment expense | $322,000 | 5,216 |
| Additional noninterest expense | $246,000 | 8,372 |
| Pre-tax net operating income | $387,000 | 7,537 |
| Securities gains (losses) | $172,000 | 445 |
| Applicable income taxes | $229,000 | 5,145 |
| Income before extraordinary items | $330,000 | 7,288 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $330,000 | 7,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,101 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $219,920 | 7,959 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,840,000 | 6,492 |
| Total interest expense | $2,146,000 | 5,740 |
| Net interest income | $1,694,000 | 7,209 |
| Provision for loan and lease losses | $35,000 | 7,095 |
| Total noninterest income | $96,000 | 8,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $96,000 | 6,735 |
| Total noninterest expense | $1,416,000 | 7,001 |
| Salaries and employee benefits | $855,000 | 6,519 |
| Premises and equipment expense | $296,000 | 5,501 |
| Additional noninterest expense | $265,000 | 8,426 |
| Pre-tax net operating income | $339,000 | 7,882 |
| Securities gains (losses) | $159,000 | 604 |
| Applicable income taxes | $180,000 | 5,921 |
| Income before extraordinary items | $318,000 | 7,485 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $318,000 | 7,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,310 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $216,240 | 8,146 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,514,000 | 6,932 |
| Total interest expense | $2,031,000 | 6,141 |
| Net interest income | $1,483,000 | 7,725 |
| Provision for loan and lease losses | $15,000 | 7,946 |
| Total noninterest income | $101,000 | 9,013 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $101,000 | 6,607 |
| Total noninterest expense | $1,335,000 | 7,142 |
| Salaries and employee benefits | $817,000 | 6,616 |
| Premises and equipment expense | $226,000 | 6,324 |
| Additional noninterest expense | $292,000 | 8,197 |
| Pre-tax net operating income | $234,000 | 8,748 |
| Securities gains (losses) | $307,000 | 732 |
| Applicable income taxes | $219,000 | 5,969 |
| Income before extraordinary items | $322,000 | 7,703 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $322,000 | 7,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $125,520 | 9,074 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,345,000 | 7,356 |
| Total interest expense | $1,816,000 | 6,651 |
| Net interest income | $1,529,000 | 7,919 |
| Provision for loan and lease losses | $36,000 | 7,137 |
| Total noninterest income | $84,000 | 9,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $84,000 | 7,257 |
| Total noninterest expense | $1,215,000 | 7,624 |
| Salaries and employee benefits | $711,000 | 7,257 |
| Premises and equipment expense | $244,000 | 6,139 |
| Additional noninterest expense | $260,000 | 8,735 |
| Pre-tax net operating income | $362,000 | 8,658 |
| Securities gains (losses) | $151,000 | 822 |
| Applicable income taxes | $180,000 | 7,171 |
| Income before extraordinary items | $333,000 | 8,127 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $333,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $234,850 | 8,845 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,104,000 | 7,878 |
| Total interest expense | $1,607,000 | 7,311 |
| Net interest income | $1,497,000 | 8,272 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $97,000 | 9,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $97,000 | 7,219 |
| Total noninterest expense | $1,416,000 | 7,352 |
| Salaries and employee benefits | $651,000 | 7,841 |
| Premises and equipment expense | $312,000 | 5,425 |
| Additional noninterest expense | $453,000 | 7,450 |
| Pre-tax net operating income | $142,000 | 10,130 |
| Securities gains (losses) | $128,000 | 865 |
| Applicable income taxes | $100,000 | 8,748 |
| Income before extraordinary items | $170,000 | 9,600 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $170,000 | 9,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,266 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $88,080 | 10,279 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,874,000 | 8,413 |
| Total interest expense | $1,433,000 | 7,880 |
| Net interest income | $1,441,000 | 8,696 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $94,000 | 10,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $94,000 | 7,422 |
| Total noninterest expense | $1,028,000 | 8,831 |
| Salaries and employee benefits | $595,000 | 8,390 |
| Premises and equipment expense | $187,000 | 7,460 |
| Additional noninterest expense | $246,000 | 9,872 |
| Pre-tax net operating income | $471,000 | 8,612 |
| Securities gains (losses) | $97,000 | 975 |
| Applicable income taxes | $200,000 | 7,408 |
| Income before extraordinary items | $368,000 | 8,333 |
| Extraordinary gains, net | $5,000 | 58 |
| Net income | $373,000 | 8,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $304,950 | 8,868 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,232,000 | 9,374 |
| Total interest expense | $1,082,000 | 8,349 |
| Net interest income | $1,150,000 | 9,911 |
| Provision for loan and lease losses | $41,000 | 6,560 |
| Total noninterest income | $90,000 | 10,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $90,000 | 7,838 |
| Total noninterest expense | $918,000 | 9,694 |
| Salaries and employee benefits | $538,000 | 9,055 |
| Premises and equipment expense | $173,000 | 8,008 |
| Additional noninterest expense | $207,000 | 11,059 |
| Pre-tax net operating income | $281,000 | 10,274 |
| Securities gains (losses) | $45,000 | 1,225 |
| Applicable income taxes | $115,000 | 9,026 |
| Income before extraordinary items | $211,000 | 10,149 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $211,000 | 10,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $181,750 | 10,526 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,114,000 | 9,963 |
| Total interest expense | $1,101,000 | 8,680 |
| Net interest income | $1,013,000 | 10,735 |
| Provision for loan and lease losses | $36,000 | 8,112 |
| Total noninterest income | $92,000 | 11,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $92,000 | 8,143 |
| Total noninterest expense | $880,000 | 10,292 |
| Salaries and employee benefits | $497,000 | 9,698 |
| Premises and equipment expense | $166,000 | 8,480 |
| Additional noninterest expense | $217,000 | 11,505 |
| Pre-tax net operating income | $189,000 | 11,135 |
| Securities gains (losses) | $99,000 | 2,530 |
| Applicable income taxes | $100,000 | 9,745 |
| Income before extraordinary items | $188,000 | 10,784 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $188,000 | 10,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 9,155 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $123,650 | 11,325 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,495,000 | 9,934 |
| Total interest expense | $1,433,000 | 8,734 |
| Net interest income | $1,062,000 | 10,849 |
| Provision for loan and lease losses | $48,000 | 9,164 |
| Total noninterest income | $81,000 | 12,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $81,000 | 8,805 |
| Total noninterest expense | $893,000 | 10,521 |
| Salaries and employee benefits | $467,000 | 10,125 |
| Premises and equipment expense | $175,000 | 8,439 |
| Additional noninterest expense | $251,000 | 11,517 |
| Pre-tax net operating income | $202,000 | 11,057 |
| Securities gains (losses) | $86,000 | 3,258 |
| Applicable income taxes | $102,000 | 9,861 |
| Income before extraordinary items | $186,000 | 10,792 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $186,000 | 10,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $130,100 | 11,220 |
* 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.