Home > Western National Bank > Income and Expense
Western National Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,832,000 | 7,609 |
| Total interest expense | $363,000 | 8,007 |
| Net interest income | $1,469,000 | 7,341 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $189,000 | 7,156 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $151,000 | 5,610 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $38,000 | 7,667 |
| Total noninterest expense | $1,532,000 | 6,831 |
| Salaries and employee benefits | $794,000 | 6,954 |
| Premises and equipment expense | $107,000 | 7,786 |
| Additional noninterest expense | $631,000 | 5,899 |
| Pre-tax net operating income | $126,000 | 7,914 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-45,000 | 8,550 |
| Income before extraordinary items | $171,000 | 7,705 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $171,000 | 7,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,711 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $171,000 | 7,671 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,373,000 | 7,631 |
| Total interest expense | $251,000 | 8,096 |
| Net interest income | $1,122,000 | 7,343 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $143,000 | 7,156 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $115,000 | 5,606 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $28,000 | 7,724 |
| Total noninterest expense | $996,000 | 7,166 |
| Salaries and employee benefits | $542,000 | 7,168 |
| Premises and equipment expense | $92,000 | 7,600 |
| Additional noninterest expense | $362,000 | 6,649 |
| Pre-tax net operating income | $269,000 | 7,332 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $47,000 | 5,835 |
| Income before extraordinary items | $222,000 | 7,329 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $222,000 | 7,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $222,000 | 7,300 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $919,000 | 7,615 |
| Total interest expense | $155,000 | 8,146 |
| Net interest income | $764,000 | 7,304 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $98,000 | 7,094 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $78,000 | 5,536 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $20,000 | 7,651 |
| Total noninterest expense | $640,000 | 7,259 |
| Salaries and employee benefits | $372,000 | 7,106 |
| Premises and equipment expense | $48,000 | 7,908 |
| Additional noninterest expense | $220,000 | 6,870 |
| Pre-tax net operating income | $222,000 | 7,083 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $41,000 | 5,674 |
| Income before extraordinary items | $181,000 | 7,078 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $181,000 | 7,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,971 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $181,000 | 7,044 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $468,000 | 7,620 |
| Total interest expense | $70,000 | 8,259 |
| Net interest income | $398,000 | 7,257 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $48,000 | 7,143 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $37,000 | 5,594 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,631 |
| Total noninterest expense | $330,000 | 7,241 |
| Salaries and employee benefits | $193,000 | 7,071 |
| Premises and equipment expense | $30,000 | 7,706 |
| Additional noninterest expense | $107,000 | 6,972 |
| Pre-tax net operating income | $116,000 | 7,013 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $14,000 | 5,897 |
| Income before extraordinary items | $102,000 | 6,865 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $102,000 | 6,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,291 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $102,000 | 6,832 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,916,000 | 7,467 |
| Total interest expense | $252,000 | 8,276 |
| Net interest income | $1,664,000 | 7,094 |
| Provision for loan and lease losses | $-13,000 | 8,679 |
| Total noninterest income | $231,000 | 6,910 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $158,000 | 5,672 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $73,000 | 6,924 |
| Total noninterest expense | $1,334,000 | 7,200 |
| Salaries and employee benefits | $795,000 | 6,954 |
| Premises and equipment expense | $123,000 | 7,672 |
| Additional noninterest expense | $416,000 | 7,041 |
| Pre-tax net operating income | $574,000 | 6,476 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $129,000 | 5,264 |
| Income before extraordinary items | $445,000 | 6,574 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $445,000 | 6,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,420 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $445,000 | 6,518 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 7,474 |
| Total interest expense | $183,000 | 8,353 |
| Net interest income | $1,267,000 | 7,074 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $189,000 | 6,785 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $120,000 | 5,707 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $69,000 | 6,565 |
| Total noninterest expense | $1,035,000 | 7,073 |
| Salaries and employee benefits | $603,000 | 6,885 |
| Premises and equipment expense | $90,000 | 7,711 |
| Additional noninterest expense | $342,000 | 6,781 |
| Pre-tax net operating income | $421,000 | 6,648 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $104,000 | 5,297 |
| Income before extraordinary items | $317,000 | 6,805 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $317,000 | 6,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,986 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $317,000 | 6,729 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $986,000 | 7,468 |
| Total interest expense | $121,000 | 8,413 |
| Net interest income | $865,000 | 7,043 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $134,000 | 6,700 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $80,000 | 5,723 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $54,000 | 6,302 |
| Total noninterest expense | $703,000 | 7,077 |
| Salaries and employee benefits | $406,000 | 6,904 |
| Premises and equipment expense | $61,000 | 7,711 |
| Additional noninterest expense | $236,000 | 6,715 |
| Pre-tax net operating income | $296,000 | 6,533 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $63,000 | 5,384 |
| Income before extraordinary items | $233,000 | 6,600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $233,000 | 6,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,266 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $233,000 | 6,510 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $508,000 | 7,455 |
| Total interest expense | $61,000 | 8,466 |
| Net interest income | $447,000 | 6,994 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $68,000 | 6,629 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $41,000 | 5,626 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $27,000 | 6,301 |
| Total noninterest expense | $349,000 | 7,125 |
| Salaries and employee benefits | $205,000 | 6,912 |
| Premises and equipment expense | $26,000 | 7,959 |
| Additional noninterest expense | $118,000 | 6,717 |
| Pre-tax net operating income | $166,000 | 6,237 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $22,000 | 5,705 |
| Income before extraordinary items | $144,000 | 6,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $144,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,952 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $144,000 | 5,993 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 7,373 |
| Total interest expense | $295,000 | 8,475 |
| Net interest income | $1,889,000 | 6,753 |
| Provision for loan and lease losses | $70,000 | 5,822 |
| Total noninterest income | $259,000 | 6,894 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $167,000 | 5,657 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $92,000 | 6,661 |
| Total noninterest expense | $1,394,000 | 7,081 |
| Salaries and employee benefits | $829,000 | 6,813 |
| Premises and equipment expense | $106,000 | 7,994 |
| Additional noninterest expense | $459,000 | 6,796 |
| Pre-tax net operating income | $684,000 | 6,054 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $212,000 | 4,844 |
| Income before extraordinary items | $472,000 | 6,463 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $472,000 | 6,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $665,000 | 3,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $472,000 | 6,304 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,663,000 | 7,431 |
| Total interest expense | $233,000 | 8,529 |
| Net interest income | $1,430,000 | 6,770 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $205,000 | 6,821 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $124,000 | 5,723 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $81,000 | 6,450 |
| Total noninterest expense | $1,044,000 | 7,092 |
| Salaries and employee benefits | $629,000 | 6,785 |
| Premises and equipment expense | $84,000 | 7,926 |
| Additional noninterest expense | $331,000 | 6,884 |
| Pre-tax net operating income | $571,000 | 5,986 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $160,000 | 4,998 |
| Income before extraordinary items | $411,000 | 6,293 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $411,000 | 6,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,943 |
| Cash dividends | $320,000 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $411,000 | 6,116 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,115,000 | 7,462 |
| Total interest expense | $165,000 | 8,548 |
| Net interest income | $950,000 | 6,795 |
| Provision for loan and lease losses | $15,000 | 6,544 |
| Total noninterest income | $118,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $78,000 | 5,817 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $40,000 | 6,937 |
| Total noninterest expense | $678,000 | 7,178 |
| Salaries and employee benefits | $425,000 | 6,782 |
| Premises and equipment expense | $58,000 | 7,874 |
| Additional noninterest expense | $195,000 | 7,207 |
| Pre-tax net operating income | $375,000 | 6,020 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $103,000 | 5,089 |
| Income before extraordinary items | $272,000 | 6,328 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $272,000 | 6,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,731 |
| Cash dividends | $320,000 | 2,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $272,000 | 6,113 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $565,000 | 7,476 |
| Total interest expense | $83,000 | 8,633 |
| Net interest income | $482,000 | 6,756 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $59,000 | 7,051 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 5,576 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $343,000 | 7,177 |
| Salaries and employee benefits | $211,000 | 6,813 |
| Premises and equipment expense | $28,000 | 7,948 |
| Additional noninterest expense | $104,000 | 7,046 |
| Pre-tax net operating income | $183,000 | 6,046 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $48,000 | 5,169 |
| Income before extraordinary items | $135,000 | 6,269 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $135,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $320,000 | 1,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $135,000 | 6,099 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,291,000 | 7,546 |
| Total interest expense | $368,000 | 8,741 |
| Net interest income | $1,923,000 | 6,750 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $423,000 | 5,635 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $167,000 | 5,633 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $256,000 | 4,576 |
| Total noninterest expense | $1,460,000 | 6,927 |
| Salaries and employee benefits | $840,000 | 6,742 |
| Premises and equipment expense | $105,000 | 8,102 |
| Additional noninterest expense | $515,000 | 6,416 |
| Pre-tax net operating income | $886,000 | 5,528 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $253,000 | 4,743 |
| Income before extraordinary items | $633,000 | 5,831 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $633,000 | 5,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,032 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $633,000 | 5,700 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,467,000 | 7,785 |
| Total interest expense | $795,000 | 8,439 |
| Net interest income | $1,672,000 | 7,024 |
| Provision for loan and lease losses | $10,000 | 7,930 |
| Total noninterest income | $311,000 | 6,325 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $166,000 | 5,565 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $145,000 | 5,608 |
| Total noninterest expense | $1,401,000 | 7,009 |
| Salaries and employee benefits | $870,000 | 6,494 |
| Premises and equipment expense | $101,000 | 8,285 |
| Additional noninterest expense | $430,000 | 6,924 |
| Pre-tax net operating income | $572,000 | 6,274 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $177,000 | 5,216 |
| Income before extraordinary items | $395,000 | 6,600 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $395,000 | 6,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,124 |
| Cash dividends | $448,000 | 3,671 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $395,000 | 6,475 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,538,000 | 7,868 |
| Total interest expense | $886,000 | 8,461 |
| Net interest income | $1,652,000 | 7,206 |
| Provision for loan and lease losses | $95,000 | 5,433 |
| Total noninterest income | $371,000 | 5,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 5,543 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,739 |
| Total noninterest expense | $1,422,000 | 6,946 |
| Salaries and employee benefits | $836,000 | 6,563 |
| Premises and equipment expense | $153,000 | 7,548 |
| Additional noninterest expense | $433,000 | 6,898 |
| Pre-tax net operating income | $506,000 | 6,965 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $92,000 | 6,616 |
| Income before extraordinary items | $414,000 | 6,766 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $414,000 | 6,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,537 |
| Cash dividends | $109,000 | 5,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $414,000 | 6,772 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,477,000 | 7,936 |
| Total interest expense | $854,000 | 8,555 |
| Net interest income | $1,623,000 | 7,354 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $542,000 | 4,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 5,653 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $380,000 | 3,543 |
| Total noninterest expense | $1,604,000 | 6,523 |
| Salaries and employee benefits | $985,000 | 5,958 |
| Premises and equipment expense | $191,000 | 6,951 |
| Additional noninterest expense | $428,000 | 7,062 |
| Pre-tax net operating income | $561,000 | 6,860 |
| Securities gains (losses) | $-4,000 | 9,004 |
| Applicable income taxes | $167,000 | 6,075 |
| Income before extraordinary items | $390,000 | 7,045 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $390,000 | 7,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $237,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $392,800 | 7,000 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,336,000 | 8,272 |
| Total interest expense | $809,000 | 8,916 |
| Net interest income | $1,527,000 | 7,632 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $795,000 | 3,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 5,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $624,000 | 2,578 |
| Total noninterest expense | $1,679,000 | 6,267 |
| Salaries and employee benefits | $993,000 | 5,823 |
| Premises and equipment expense | $185,000 | 6,955 |
| Additional noninterest expense | $501,000 | 6,428 |
| Pre-tax net operating income | $586,000 | 6,991 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $224,000 | 5,903 |
| Income before extraordinary items | $362,000 | 7,469 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $362,000 | 7,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,222 |
| Cash dividends | $320,000 | 4,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $362,000 | 7,383 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,081,000 | 8,907 |
| Total interest expense | $706,000 | 9,521 |
| Net interest income | $1,375,000 | 8,295 |
| Provision for loan and lease losses | $-19,000 | 10,637 |
| Total noninterest income | $786,000 | 3,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,058 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $629,000 | 2,394 |
| Total noninterest expense | $1,645,000 | 6,423 |
| Salaries and employee benefits | $1,012,000 | 5,807 |
| Premises and equipment expense | $195,000 | 6,937 |
| Additional noninterest expense | $438,000 | 7,030 |
| Pre-tax net operating income | $535,000 | 7,734 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $125,000 | 7,996 |
| Income before extraordinary items | $410,000 | 7,573 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $410,000 | 7,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $362,000 | 4,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $410,000 | 7,519 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,004,000 | 9,371 |
| Total interest expense | $667,000 | 10,069 |
| Net interest income | $1,337,000 | 8,672 |
| Provision for loan and lease losses | $-49,000 | 11,187 |
| Total noninterest income | $900,000 | 3,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,933 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $773,000 | 2,154 |
| Total noninterest expense | $1,851,000 | 6,268 |
| Salaries and employee benefits | $1,093,000 | 5,607 |
| Premises and equipment expense | $186,000 | 7,295 |
| Additional noninterest expense | $572,000 | 6,536 |
| Pre-tax net operating income | $435,000 | 8,299 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $134,000 | 8,146 |
| Income before extraordinary items | $301,000 | 8,415 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $301,000 | 8,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,803 |
| Cash dividends | $332,000 | 4,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $301,000 | 8,356 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,455,000 | 9,041 |
| Total interest expense | $726,000 | 10,209 |
| Net interest income | $1,729,000 | 7,937 |
| Provision for loan and lease losses | $-65,000 | 11,635 |
| Total noninterest income | $318,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,328 |
| Total noninterest expense | $1,964,000 | 6,068 |
| Salaries and employee benefits | $1,089,000 | 5,650 |
| Premises and equipment expense | $204,000 | 7,109 |
| Additional noninterest expense | $671,000 | 6,056 |
| Pre-tax net operating income | $148,000 | 10,784 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $52,000 | 10,150 |
| Income before extraordinary items | $96,000 | 10,967 |
| Extraordinary gains, net | $231,000 | 10 |
| Net income | $327,000 | 8,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $208,000 | 5,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $96,000 | 10,941 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,436,000 | 9,024 |
| Total interest expense | $550,000 | 10,848 |
| Net interest income | $1,886,000 | 7,841 |
| Provision for loan and lease losses | $-200,000 | 12,313 |
| Total noninterest income | $346,000 | 6,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,683 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,489 |
| Total noninterest expense | $2,174,000 | 5,813 |
| Salaries and employee benefits | $1,247,000 | 5,071 |
| Premises and equipment expense | $257,000 | 6,405 |
| Additional noninterest expense | $670,000 | 6,534 |
| Pre-tax net operating income | $258,000 | 10,432 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $18,000 | 11,192 |
| Income before extraordinary items | $240,000 | 9,807 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $240,000 | 9,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 10,731 |
| Cash dividends | $275,000 | 4,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $240,000 | 9,882 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,380,000 | 7,708 |
| Total interest expense | $594,000 | 11,183 |
| Net interest income | $2,786,000 | 6,000 |
| Provision for loan and lease losses | $-150,000 | 12,974 |
| Total noninterest income | $449,000 | 6,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $225,000 | 5,322 |
| Total noninterest expense | $2,644,000 | 5,020 |
| Salaries and employee benefits | $1,372,000 | 4,645 |
| Premises and equipment expense | $264,000 | 6,427 |
| Additional noninterest expense | $1,008,000 | 4,890 |
| Pre-tax net operating income | $741,000 | 7,139 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $217,000 | 7,313 |
| Income before extraordinary items | $524,000 | 7,356 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $524,000 | 7,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 5,209 |
| Cash dividends | $224,000 | 5,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $524,000 | 7,107 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,814,000 | 9,299 |
| Total interest expense | $722,000 | 11,696 |
| Net interest income | $2,092,000 | 7,514 |
| Provision for loan and lease losses | $274,000 | 4,369 |
| Total noninterest income | $580,000 | 5,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $267,000 | 4,878 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $313,000 | 4,318 |
| Total noninterest expense | $2,321,000 | 5,643 |
| Salaries and employee benefits | $1,165,000 | 5,306 |
| Premises and equipment expense | $155,000 | 8,970 |
| Additional noninterest expense | $1,001,000 | 5,045 |
| Pre-tax net operating income | $77,000 | 12,223 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $45,000 | 11,390 |
| Income before extraordinary items | $32,000 | 12,698 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $32,000 | 12,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 3,381 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $32,000 | 12,451 |
* 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.