Home > Western Sierra National Bank > Income and Expense
Western Sierra National Bank, Income and Expense
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,039,000 | 926 |
| Total interest expense | $2,526,000 | 1,453 |
| Net interest income | $7,513,000 | 751 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $1,783,000 | 812 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $511,000 | 823 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,272,000 | 670 |
| Total noninterest expense | $4,627,000 | 969 |
| Salaries and employee benefits | $2,260,000 | 1,093 |
| Premises and equipment expense | $675,000 | 943 |
| Additional noninterest expense | $1,692,000 | 789 |
| Pre-tax net operating income | $4,579,000 | 589 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,669,000 | 537 |
| Income before extraordinary items | $2,910,000 | 671 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,910,000 | 670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,335 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,910,000 | 653 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $36,430,000 | 904 |
| Total interest expense | $7,474,000 | 1,518 |
| Net interest income | $28,956,000 | 725 |
| Provision for loan and lease losses | $1,045,000 | 1,009 |
| Total noninterest income | $7,472,000 | 782 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,957,000 | 887 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,515,000 | 634 |
| Total noninterest expense | $16,980,000 | 1,004 |
| Salaries and employee benefits | $8,270,000 | 1,120 |
| Premises and equipment expense | $2,401,000 | 1,002 |
| Additional noninterest expense | $6,309,000 | 825 |
| Pre-tax net operating income | $18,403,000 | 569 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $6,724,000 | 522 |
| Income before extraordinary items | $11,680,000 | 641 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $11,680,000 | 642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,195 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $11,679,360 | 627 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $26,328,000 | 915 |
| Total interest expense | $5,213,000 | 1,543 |
| Net interest income | $21,115,000 | 737 |
| Provision for loan and lease losses | $845,000 | 889 |
| Total noninterest income | $5,650,000 | 778 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,408,000 | 926 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,242,000 | 619 |
| Total noninterest expense | $12,392,000 | 1,021 |
| Salaries and employee benefits | $5,972,000 | 1,147 |
| Premises and equipment expense | $1,786,000 | 998 |
| Additional noninterest expense | $4,634,000 | 828 |
| Pre-tax net operating income | $13,528,000 | 577 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $4,922,000 | 528 |
| Income before extraordinary items | $8,607,000 | 648 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $8,607,000 | 648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 1,434 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $8,606,360 | 633 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $16,727,000 | 935 |
| Total interest expense | $3,164,000 | 1,599 |
| Net interest income | $13,563,000 | 761 |
| Provision for loan and lease losses | $475,000 | 1,017 |
| Total noninterest income | $3,609,000 | 794 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $894,000 | 952 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,715,000 | 637 |
| Total noninterest expense | $8,141,000 | 1,028 |
| Salaries and employee benefits | $3,888,000 | 1,175 |
| Premises and equipment expense | $1,176,000 | 1,004 |
| Additional noninterest expense | $3,077,000 | 826 |
| Pre-tax net operating income | $8,556,000 | 585 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $3,093,000 | 540 |
| Income before extraordinary items | $5,464,000 | 657 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,464,000 | 657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 1,211 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,463,360 | 640 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $8,120,000 | 941 |
| Total interest expense | $1,433,000 | 1,669 |
| Net interest income | $6,687,000 | 767 |
| Provision for loan and lease losses | $175,000 | 1,252 |
| Total noninterest income | $1,476,000 | 911 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $422,000 | 979 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,054,000 | 755 |
| Total noninterest expense | $3,954,000 | 1,053 |
| Salaries and employee benefits | $1,905,000 | 1,207 |
| Premises and equipment expense | $584,000 | 1,022 |
| Additional noninterest expense | $1,465,000 | 854 |
| Pre-tax net operating income | $4,034,000 | 614 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $1,452,000 | 569 |
| Income before extraordinary items | $2,583,000 | 690 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,583,000 | 690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,662 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,582,360 | 667 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $30,139,000 | 935 |
| Total interest expense | $4,818,000 | 1,700 |
| Net interest income | $25,321,000 | 774 |
| Provision for loan and lease losses | $1,691,000 | 635 |
| Total noninterest income | $6,399,000 | 860 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,600,000 | 1,113 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,799,000 | 688 |
| Total noninterest expense | $15,191,000 | 1,062 |
| Salaries and employee benefits | $7,837,000 | 1,106 |
| Premises and equipment expense | $1,929,000 | 1,189 |
| Additional noninterest expense | $5,425,000 | 925 |
| Pre-tax net operating income | $14,838,000 | 624 |
| Securities gains (losses) | $-11,000 | 8,257 |
| Applicable income taxes | $5,308,000 | 581 |
| Income before extraordinary items | $9,519,000 | 698 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $9,519,000 | 699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,773 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $9,526,040 | 671 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,152,000 | 940 |
| Total interest expense | $3,491,000 | 1,725 |
| Net interest income | $18,661,000 | 786 |
| Provision for loan and lease losses | $1,166,000 | 665 |
| Total noninterest income | $4,510,000 | 925 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,234,000 | 1,091 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,276,000 | 748 |
| Total noninterest expense | $10,950,000 | 1,105 |
| Salaries and employee benefits | $5,713,000 | 1,121 |
| Premises and equipment expense | $1,410,000 | 1,223 |
| Additional noninterest expense | $3,827,000 | 984 |
| Pre-tax net operating income | $11,055,000 | 624 |
| Securities gains (losses) | $-11,000 | 8,532 |
| Applicable income taxes | $4,072,000 | 575 |
| Income before extraordinary items | $6,972,000 | 727 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,972,000 | 728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $348,000 | 1,299 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $6,979,040 | 694 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,426,000 | 952 |
| Total interest expense | $2,250,000 | 1,767 |
| Net interest income | $12,176,000 | 798 |
| Provision for loan and lease losses | $735,000 | 694 |
| Total noninterest income | $3,046,000 | 911 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $829,000 | 1,067 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,217,000 | 736 |
| Total noninterest expense | $7,238,000 | 1,113 |
| Salaries and employee benefits | $3,782,000 | 1,146 |
| Premises and equipment expense | $908,000 | 1,266 |
| Additional noninterest expense | $2,548,000 | 973 |
| Pre-tax net operating income | $7,249,000 | 631 |
| Securities gains (losses) | $-11,000 | 8,702 |
| Applicable income taxes | $2,664,000 | 580 |
| Income before extraordinary items | $4,574,000 | 729 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,574,000 | 729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 1,530 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $4,581,040 | 690 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,006,000 | 988 |
| Total interest expense | $1,058,000 | 1,887 |
| Net interest income | $5,948,000 | 828 |
| Provision for loan and lease losses | $345,000 | 722 |
| Total noninterest income | $1,479,000 | 921 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $416,000 | 1,033 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,063,000 | 753 |
| Total noninterest expense | $3,623,000 | 1,114 |
| Salaries and employee benefits | $1,904,000 | 1,151 |
| Premises and equipment expense | $435,000 | 1,338 |
| Additional noninterest expense | $1,284,000 | 964 |
| Pre-tax net operating income | $3,459,000 | 645 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,265,000 | 615 |
| Income before extraordinary items | $2,194,000 | 761 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,194,000 | 761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,783 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,194,000 | 712 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $26,173,000 | 1,081 |
| Total interest expense | $4,796,000 | 1,865 |
| Net interest income | $21,377,000 | 908 |
| Provision for loan and lease losses | $1,230,000 | 961 |
| Total noninterest income | $5,862,000 | 1,002 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,805,000 | 948 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,057,000 | 888 |
| Total noninterest expense | $13,282,000 | 1,219 |
| Salaries and employee benefits | $6,583,000 | 1,303 |
| Premises and equipment expense | $1,763,000 | 1,294 |
| Additional noninterest expense | $4,936,000 | 1,034 |
| Pre-tax net operating income | $12,727,000 | 688 |
| Securities gains (losses) | $18,000 | 3,281 |
| Applicable income taxes | $3,906,000 | 753 |
| Income before extraordinary items | $8,839,000 | 737 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,839,000 | 739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 2,223 |
| Cash dividends | $2,000,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $8,826,580 | 688 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $19,447,000 | 1,119 |
| Total interest expense | $3,693,000 | 1,891 |
| Net interest income | $15,754,000 | 936 |
| Provision for loan and lease losses | $900,000 | 969 |
| Total noninterest income | $4,478,000 | 1,014 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,385,000 | 937 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,093,000 | 908 |
| Total noninterest expense | $9,846,000 | 1,240 |
| Salaries and employee benefits | $4,874,000 | 1,343 |
| Premises and equipment expense | $1,306,000 | 1,309 |
| Additional noninterest expense | $3,666,000 | 1,049 |
| Pre-tax net operating income | $9,486,000 | 718 |
| Securities gains (losses) | $19,000 | 2,984 |
| Applicable income taxes | $2,952,000 | 778 |
| Income before extraordinary items | $6,553,000 | 781 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,553,000 | 782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,249 |
| Cash dividends | $2,000,000 | 1,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $6,539,890 | 728 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,824,000 | 1,137 |
| Total interest expense | $2,470,000 | 1,948 |
| Net interest income | $10,354,000 | 940 |
| Provision for loan and lease losses | $600,000 | 971 |
| Total noninterest income | $2,869,000 | 1,034 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $900,000 | 956 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,969,000 | 923 |
| Total noninterest expense | $6,377,000 | 1,287 |
| Salaries and employee benefits | $3,148,000 | 1,377 |
| Premises and equipment expense | $819,000 | 1,403 |
| Additional noninterest expense | $2,410,000 | 1,054 |
| Pre-tax net operating income | $6,246,000 | 724 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,971,000 | 777 |
| Income before extraordinary items | $4,275,000 | 791 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,275,000 | 792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $2,000,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $4,275,000 | 727 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,318,000 | 1,168 |
| Total interest expense | $1,215,000 | 2,030 |
| Net interest income | $5,103,000 | 951 |
| Provision for loan and lease losses | $300,000 | 910 |
| Total noninterest income | $1,347,000 | 1,060 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $447,000 | 935 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $900,000 | 964 |
| Total noninterest expense | $3,163,000 | 1,281 |
| Salaries and employee benefits | $1,580,000 | 1,370 |
| Premises and equipment expense | $369,000 | 1,563 |
| Additional noninterest expense | $1,214,000 | 1,014 |
| Pre-tax net operating income | $2,987,000 | 758 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $940,000 | 842 |
| Income before extraordinary items | $2,047,000 | 827 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,047,000 | 826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,300 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $2,047,000 | 762 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $26,023,000 | 1,181 |
| Total interest expense | $5,680,000 | 1,996 |
| Net interest income | $20,343,000 | 949 |
| Provision for loan and lease losses | $1,240,000 | 1,094 |
| Total noninterest income | $5,674,000 | 936 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,716,000 | 932 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,958,000 | 813 |
| Total noninterest expense | $13,476,000 | 1,144 |
| Salaries and employee benefits | $6,307,000 | 1,289 |
| Premises and equipment expense | $1,509,000 | 1,465 |
| Additional noninterest expense | $5,660,000 | 887 |
| Pre-tax net operating income | $11,301,000 | 768 |
| Securities gains (losses) | $47,000 | 2,464 |
| Applicable income taxes | $3,447,000 | 816 |
| Income before extraordinary items | $7,901,000 | 805 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $7,901,000 | 805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 2,219 |
| Cash dividends | $8,500,000 | 406 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,868,100 | 776 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,217,000 | 1,215 |
| Total interest expense | $10,537,000 | 1,543 |
| Net interest income | $17,680,000 | 1,031 |
| Provision for loan and lease losses | $785,000 | 1,528 |
| Total noninterest income | $4,689,000 | 1,050 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,606,000 | 920 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,083,000 | 927 |
| Total noninterest expense | $12,746,000 | 1,152 |
| Salaries and employee benefits | $5,771,000 | 1,285 |
| Premises and equipment expense | $1,661,000 | 1,291 |
| Additional noninterest expense | $5,314,000 | 915 |
| Pre-tax net operating income | $8,838,000 | 860 |
| Securities gains (losses) | $97,000 | 1,773 |
| Applicable income taxes | $3,345,000 | 763 |
| Income before extraordinary items | $5,590,000 | 984 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,590,000 | 985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 3,627 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,527,920 | 953 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $26,488,000 | 1,332 |
| Total interest expense | $11,440,000 | 1,501 |
| Net interest income | $15,048,000 | 1,170 |
| Provision for loan and lease losses | $265,000 | 3,112 |
| Total noninterest income | $3,152,000 | 1,296 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,255,000 | 1,078 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,897,000 | 1,180 |
| Total noninterest expense | $11,873,000 | 1,174 |
| Salaries and employee benefits | $4,458,000 | 1,596 |
| Premises and equipment expense | $1,511,000 | 1,360 |
| Additional noninterest expense | $5,904,000 | 841 |
| Pre-tax net operating income | $6,062,000 | 1,223 |
| Securities gains (losses) | $-54,000 | 9,228 |
| Applicable income taxes | $2,195,000 | 1,071 |
| Income before extraordinary items | $3,813,000 | 1,382 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,813,000 | 1,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-347,000 | 9,865 |
| Cash dividends | $164,000 | 5,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,847,560 | 1,367 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,972,000 | 3,228 |
| Total interest expense | $3,357,000 | 4,189 |
| Net interest income | $6,615,000 | 2,644 |
| Provision for loan and lease losses | $215,000 | 3,402 |
| Total noninterest income | $2,448,000 | 1,598 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $737,000 | 1,800 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,711,000 | 1,281 |
| Total noninterest expense | $6,321,000 | 2,150 |
| Salaries and employee benefits | $2,690,000 | 2,620 |
| Premises and equipment expense | $1,088,000 | 1,880 |
| Additional noninterest expense | $2,543,000 | 1,744 |
| Pre-tax net operating income | $2,527,000 | 2,770 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $823,000 | 2,588 |
| Income before extraordinary items | $1,709,000 | 2,925 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,709,000 | 2,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,143 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,705,650 | 2,900 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,576,000 | 3,362 |
| Total interest expense | $3,571,000 | 4,048 |
| Net interest income | $6,005,000 | 2,870 |
| Provision for loan and lease losses | $270,000 | 2,850 |
| Total noninterest income | $2,483,000 | 1,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $719,000 | 1,780 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,764,000 | 1,260 |
| Total noninterest expense | $6,475,000 | 2,026 |
| Salaries and employee benefits | $3,561,000 | 1,873 |
| Premises and equipment expense | $1,020,000 | 1,933 |
| Additional noninterest expense | $1,894,000 | 2,216 |
| Pre-tax net operating income | $1,743,000 | 3,729 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $604,000 | 3,388 |
| Income before extraordinary items | $1,139,000 | 4,087 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,139,000 | 4,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,780 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,139,000 | 4,002 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,431,000 | 3,784 |
| Total interest expense | $3,051,000 | 4,646 |
| Net interest income | $5,380,000 | 3,256 |
| Provision for loan and lease losses | $243,000 | 2,999 |
| Total noninterest income | $2,016,000 | 1,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $757,000 | 1,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,259,000 | 1,497 |
| Total noninterest expense | $5,461,000 | 2,363 |
| Salaries and employee benefits | $2,957,000 | 2,238 |
| Premises and equipment expense | $861,000 | 2,286 |
| Additional noninterest expense | $1,643,000 | 2,505 |
| Pre-tax net operating income | $1,692,000 | 4,054 |
| Securities gains (losses) | $20,000 | 1,883 |
| Applicable income taxes | $667,000 | 3,384 |
| Income before extraordinary items | $1,045,000 | 4,538 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,045,000 | 4,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 861 |
| Net operating income | $1,032,200 | 4,532 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,441,000 | 4,904 |
| Total interest expense | $2,184,000 | 6,075 |
| Net interest income | $4,257,000 | 4,075 |
| Provision for loan and lease losses | $457,000 | 1,864 |
| Total noninterest income | $1,676,000 | 2,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $669,000 | 2,018 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,007,000 | 1,805 |
| Total noninterest expense | $4,237,000 | 3,163 |
| Salaries and employee benefits | $2,311,000 | 2,892 |
| Premises and equipment expense | $751,000 | 2,601 |
| Additional noninterest expense | $1,175,000 | 3,844 |
| Pre-tax net operating income | $1,239,000 | 5,019 |
| Securities gains (losses) | $11,000 | 2,431 |
| Applicable income taxes | $487,000 | 4,225 |
| Income before extraordinary items | $763,000 | 5,460 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $763,000 | 5,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 1,688 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $1,886,000 | 308 |
| Net operating income | $755,960 | 5,443 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,684,000 | 5,449 |
| Total interest expense | $1,875,000 | 6,729 |
| Net interest income | $3,809,000 | 4,496 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $1,256,000 | 2,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $682,000 | 1,977 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $574,000 | 2,615 |
| Total noninterest expense | $3,927,000 | 3,387 |
| Salaries and employee benefits | $2,060,000 | 3,219 |
| Premises and equipment expense | $677,000 | 2,900 |
| Additional noninterest expense | $1,190,000 | 3,764 |
| Pre-tax net operating income | $1,058,000 | 5,753 |
| Securities gains (losses) | $-30,000 | 10,836 |
| Applicable income taxes | $377,000 | 5,156 |
| Income before extraordinary items | $651,000 | 6,306 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $651,000 | 6,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,105 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 538 |
| Net operating income | $670,200 | 6,152 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,001,000 | 6,693 |
| Total interest expense | $1,028,000 | 8,569 |
| Net interest income | $2,973,000 | 5,642 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $678,000 | 4,227 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $514,000 | 2,659 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $164,000 | 5,924 |
| Total noninterest expense | $3,240,000 | 4,129 |
| Salaries and employee benefits | $1,590,000 | 4,069 |
| Premises and equipment expense | $549,000 | 3,526 |
| Additional noninterest expense | $1,101,000 | 4,349 |
| Pre-tax net operating income | $375,000 | 9,545 |
| Securities gains (losses) | $-4,000 | 9,291 |
| Applicable income taxes | $134,000 | 8,630 |
| Income before extraordinary items | $237,000 | 9,840 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $237,000 | 9,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,150 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $239,560 | 9,887 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,514,000 | 7,518 |
| Total interest expense | $1,074,000 | 8,780 |
| Net interest income | $2,440,000 | 6,653 |
| Provision for loan and lease losses | $130,000 | 5,002 |
| Total noninterest income | $665,000 | 4,601 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,459 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $367,000 | 3,975 |
| Total noninterest expense | $2,805,000 | 4,787 |
| Salaries and employee benefits | $1,378,000 | 4,625 |
| Premises and equipment expense | $472,000 | 4,073 |
| Additional noninterest expense | $955,000 | 5,126 |
| Pre-tax net operating income | $170,000 | 11,320 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $68,000 | 10,531 |
| Income before extraordinary items | $102,000 | 11,783 |
| Extraordinary gains, net | $7,000 | 3,012 |
| Net income | $109,000 | 11,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 2,750 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $102,000 | 11,592 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,771,000 | 7,813 |
| Total interest expense | $1,387,000 | 8,903 |
| Net interest income | $2,384,000 | 6,820 |
| Provision for loan and lease losses | $107,000 | 7,099 |
| Total noninterest income | $607,000 | 4,915 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $291,000 | 4,562 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $316,000 | 4,287 |
| Total noninterest expense | $2,423,000 | 5,455 |
| Salaries and employee benefits | $1,178,000 | 5,252 |
| Premises and equipment expense | $455,000 | 4,306 |
| Additional noninterest expense | $790,000 | 6,133 |
| Pre-tax net operating income | $461,000 | 8,708 |
| Securities gains (losses) | $114,000 | 2,803 |
| Applicable income taxes | $233,000 | 6,949 |
| Income before extraordinary items | $342,000 | 8,804 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $342,000 | 8,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 13,032 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $269,040 | 9,315 |
* 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.