Home > Western State Bank > Income and Expense

Western State Bank, Income and Expense

2006-06-30 (YTD Data)		Rank
Total interest income	$344,000	8,569
Total interest expense	$74,000	8,583
Net interest income	$270,000	8,514
Provision for loan and lease losses	$0	6,419
Total noninterest income	$32,000	8,240
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$22,000	7,105
Trading account gains and fees	$0	126
Additional Noninterest Income	$10,000	8,084
Total noninterest expense	$279,000	8,436
Salaries and employee benefits	$111,000	8,610
Premises and equipment expense	$53,000	7,776
Additional noninterest expense	$115,000	8,005
Pre-tax net operating income	$23,000	8,074
Securities gains (losses)	$0	1,185
Applicable income taxes	$0	6,706
Income before extraordinary items	$23,000	8,066
Extraordinary gains, net	$0	39
Net income	$23,000	8,067
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,835
Cash dividends	$0	5,069
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$23,000	8,064
2006-03-31 (YTD Data)		Rank
Total interest income	$748,000	6,791
Total interest expense	$177,000	7,434
Net interest income	$571,000	6,355
Provision for loan and lease losses	$0	6,013
Total noninterest income	$83,000	5,997
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$54,000	4,773
Trading account gains and fees	$0	115
Additional Noninterest Income	$29,000	6,131
Total noninterest expense	$669,000	5,274
Salaries and employee benefits	$371,000	5,253
Premises and equipment expense	$86,000	5,415
Additional noninterest expense	$212,000	4,994
Pre-tax net operating income	$-15,000	8,268
Securities gains (losses)	$0	955
Applicable income taxes	$0	6,588
Income before extraordinary items	$-15,000	8,273
Extraordinary gains, net	$0	21
Net income	$-15,000	8,274
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-5,000	7,443
Cash dividends	$0	3,943
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$-15,000	8,257
2005-12-31 (YTD Data)		Rank
Total interest income	$3,595,000	6,118
Total interest expense	$880,000	6,584
Net interest income	$2,715,000	5,816
Provision for loan and lease losses	$0	7,120
Total noninterest income	$386,000	5,795
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$233,000	4,723
Trading account gains and fees	$0	138
Additional Noninterest Income	$153,000	5,688
Total noninterest expense	$3,070,000	4,694
Salaries and employee benefits	$1,740,000	4,585
Premises and equipment expense	$367,000	5,134
Additional noninterest expense	$963,000	4,544
Pre-tax net operating income	$31,000	8,172
Securities gains (losses)	$0	2,296
Applicable income taxes	$1,000	6,850
Income before extraordinary items	$30,000	8,210
Extraordinary gains, net	$0	46
Net income	$30,000	8,211
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-47,000	8,458
Cash dividends	$0	6,054
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$30,000	8,175
2005-09-30 (YTD Data)		Rank
Total interest income	$2,756,000	6,042
Total interest expense	$683,000	6,426
Net interest income	$2,073,000	5,782
Provision for loan and lease losses	$0	6,899
Total noninterest income	$287,000	5,856
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$183,000	4,649
Trading account gains and fees	$0	126
Additional Noninterest Income	$104,000	5,876
Total noninterest expense	$2,296,000	4,682
Salaries and employee benefits	$1,381,000	4,363
Premises and equipment expense	$276,000	5,107
Additional noninterest expense	$639,000	4,905
Pre-tax net operating income	$64,000	8,135
Securities gains (losses)	$0	2,317
Applicable income taxes	$1,000	6,867
Income before extraordinary items	$63,000	8,141
Extraordinary gains, net	$0	35
Net income	$63,000	8,140
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-39,000	8,397
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$63,000	8,109
2005-06-30 (YTD Data)		Rank
Total interest income	$1,838,000	5,989
Total interest expense	$465,000	6,226
Net interest income	$1,373,000	5,783
Provision for loan and lease losses	$0	6,626
Total noninterest income	$208,000	5,651
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$130,000	4,473
Trading account gains and fees	$0	116
Additional Noninterest Income	$78,000	5,666
Total noninterest expense	$1,563,000	4,607
Salaries and employee benefits	$953,000	4,224
Premises and equipment expense	$186,000	5,060
Additional noninterest expense	$424,000	4,901
Pre-tax net operating income	$18,000	8,287
Securities gains (losses)	$0	2,146
Applicable income taxes	$1,000	6,848
Income before extraordinary items	$17,000	8,297
Extraordinary gains, net	$0	30
Net income	$17,000	8,297
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-14,000	7,991
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$17,000	8,264
2005-03-31 (YTD Data)		Rank
Total interest income	$903,000	6,037
Total interest expense	$229,000	6,190
Net interest income	$674,000	5,846
Provision for loan and lease losses	$0	6,226
Total noninterest income	$103,000	5,609
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$62,000	4,532
Trading account gains and fees	$0	115
Additional Noninterest Income	$41,000	5,596
Total noninterest expense	$813,000	4,512
Salaries and employee benefits	$494,000	4,130
Premises and equipment expense	$97,000	4,978
Additional noninterest expense	$222,000	4,733
Pre-tax net operating income	$-36,000	8,545
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$-36,000	8,564
Extraordinary gains, net	$0	24
Net income	$-36,000	8,564
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$36,000	2,020
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$-36,000	8,539
2004-12-31 (YTD Data)		Rank
Total interest income	$3,411,000	6,046
Total interest expense	$900,000	5,942
Net interest income	$2,511,000	5,992
Provision for loan and lease losses	$52,000	5,880
Total noninterest income	$771,000	4,149
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$294,000	4,362
Trading account gains and fees	$0	138
Additional Noninterest Income	$477,000	3,398
Total noninterest expense	$3,393,000	4,281
Salaries and employee benefits	$1,944,000	4,091
Premises and equipment expense	$347,000	5,246
Additional noninterest expense	$1,102,000	4,010
Pre-tax net operating income	$-163,000	8,516
Securities gains (losses)	$-77,000	8,677
Applicable income taxes	$1,000	7,085
Income before extraordinary items	$-241,000	8,605
Extraordinary gains, net	$0	34
Net income	$-241,000	8,606
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$13,000	5,996
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$-164,000	8,532
2004-09-30 (YTD Data)		Rank
Total interest income	$2,516,000	6,091
Total interest expense	$658,000	5,999
Net interest income	$1,858,000	6,048
Provision for loan and lease losses	$52,000	5,339
Total noninterest income	$553,000	4,286
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$229,000	4,307
Trading account gains and fees	$0	134
Additional Noninterest Income	$324,000	3,595
Total noninterest expense	$2,580,000	4,210
Salaries and employee benefits	$1,490,000	3,970
Premises and equipment expense	$256,000	5,274
Additional noninterest expense	$834,000	3,957
Pre-tax net operating income	$-221,000	8,659
Securities gains (losses)	$-77,000	8,866
Applicable income taxes	$1,000	7,130
Income before extraordinary items	$-299,000	8,732
Extraordinary gains, net	$0	26
Net income	$-299,000	8,734
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$34,000	4,250
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$-222,000	8,670
2004-06-30 (YTD Data)		Rank
Total interest income	$1,606,000	6,243
Total interest expense	$428,000	6,094
Net interest income	$1,178,000	6,202
Provision for loan and lease losses	$45,000	4,838
Total noninterest income	$422,000	3,972
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$152,000	4,303
Trading account gains and fees	$0	130
Additional Noninterest Income	$270,000	3,172
Total noninterest expense	$1,696,000	4,272
Salaries and employee benefits	$989,000	4,015
Premises and equipment expense	$174,000	5,230
Additional noninterest expense	$533,000	4,115
Pre-tax net operating income	$-141,000	8,722
Securities gains (losses)	$-77,000	8,952
Applicable income taxes	$1,000	7,109
Income before extraordinary items	$-219,000	8,810
Extraordinary gains, net	$0	21
Net income	$-219,000	8,811
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$61,000	2,801
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$-142,000	8,722
2004-03-31 (YTD Data)		Rank
Total interest income	$820,000	6,191
Total interest expense	$212,000	6,188
Net interest income	$608,000	6,115
Provision for loan and lease losses	$0	6,501
Total noninterest income	$198,000	4,084
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$77,000	4,207
Trading account gains and fees	$0	121
Additional Noninterest Income	$121,000	3,332
Total noninterest expense	$838,000	4,339
Salaries and employee benefits	$496,000	4,030
Premises and equipment expense	$85,000	5,341
Additional noninterest expense	$257,000	4,226
Pre-tax net operating income	$-32,000	8,688
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$-32,000	8,726
Extraordinary gains, net	$0	16
Net income	$-32,000	8,727
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-60,000	8,884
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$-32,000	8,685
2003-12-31 (YTD Data)		Rank
Total interest income	$3,579,000	5,971
Total interest expense	$1,137,000	5,748
Net interest income	$2,442,000	5,988
Provision for loan and lease losses	$0	7,651
Total noninterest income	$689,000	4,595
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$303,000	4,273
Trading account gains and fees	$0	160
Additional Noninterest Income	$386,000	4,047
Total noninterest expense	$3,565,000	4,045
Salaries and employee benefits	$2,002,000	3,918
Premises and equipment expense	$375,000	4,958
Additional noninterest expense	$1,188,000	3,761
Pre-tax net operating income	$-434,000	8,794
Securities gains (losses)	$58,000	2,371
Applicable income taxes	$1,000	7,379
Income before extraordinary items	$-377,000	8,854
Extraordinary gains, net	$0	54
Net income	$-377,000	8,855
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$996,000	932
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-435,000	8,818
2003-09-30 (YTD Data)		Rank
Total interest income	$2,792,000	5,933
Total interest expense	$905,000	5,692
Net interest income	$1,887,000	5,909
Provision for loan and lease losses	$0	7,481
Total noninterest income	$495,000	4,770
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$221,000	4,358
Trading account gains and fees	$0	153
Additional Noninterest Income	$274,000	4,194
Total noninterest expense	$2,672,000	4,028
Salaries and employee benefits	$1,530,000	3,848
Premises and equipment expense	$281,000	4,942
Additional noninterest expense	$861,000	3,850
Pre-tax net operating income	$-290,000	8,862
Securities gains (losses)	$58,000	2,190
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$-233,000	8,919
Extraordinary gains, net	$0	40
Net income	$-233,000	8,920
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$526,000	1,117
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-291,000	8,876
2003-06-30 (YTD Data)		Rank
Total interest income	$1,933,000	5,865
Total interest expense	$647,000	5,586
Net interest income	$1,286,000	5,836
Provision for loan and lease losses	$0	7,324
Total noninterest income	$374,000	4,412
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$141,000	4,438
Trading account gains and fees	$0	150
Additional Noninterest Income	$233,000	3,745
Total noninterest expense	$1,793,000	4,011
Salaries and employee benefits	$1,037,000	3,798
Premises and equipment expense	$185,000	4,948
Additional noninterest expense	$571,000	3,852
Pre-tax net operating income	$-133,000	8,868
Securities gains (losses)	$0	3,782
Applicable income taxes	$0	7,529
Income before extraordinary items	$-133,000	8,950
Extraordinary gains, net	$0	30
Net income	$-133,000	8,950
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$546,000	805
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$-133,000	8,871
2003-03-31 (YTD Data)		Rank
Total interest income	$986,000	5,823
Total interest expense	$341,000	5,522
Net interest income	$645,000	5,814
Provision for loan and lease losses	$0	6,934
Total noninterest income	$156,000	4,797
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$72,000	4,314
Trading account gains and fees	$0	134
Additional Noninterest Income	$84,000	4,247
Total noninterest expense	$897,000	3,999
Salaries and employee benefits	$547,000	3,623
Premises and equipment expense	$87,000	5,158
Additional noninterest expense	$263,000	4,055
Pre-tax net operating income	$-96,000	8,969
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$-96,000	9,030
Extraordinary gains, net	$0	21
Net income	$-96,000	9,026
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$3,000	4,853
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-96,000	8,958
2002-12-31 (YTD Data)		Rank
Total interest income	$4,648,000	5,420
Total interest expense	$1,805,000	5,149
Net interest income	$2,843,000	5,465
Provision for loan and lease losses	$0	8,089
Total noninterest income	$702,000	4,325
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$336,000	3,980
Trading account gains and fees	$0	153
Additional Noninterest Income	$366,000	3,851
Total noninterest expense	$3,832,000	3,681
Salaries and employee benefits	$2,106,000	3,581
Premises and equipment expense	$439,000	4,342
Additional noninterest expense	$1,287,000	3,414
Pre-tax net operating income	$-287,000	8,879
Securities gains (losses)	$43,000	2,542
Applicable income taxes	$0	7,681
Income before extraordinary items	$-244,000	8,923
Extraordinary gains, net	$0	70
Net income	$-244,000	8,922
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$964,000	999
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$2,384,000	265
Net operating income	$-287,000	8,900
2001-12-31 (YTD Data)		Rank
Total interest income	$6,123,000	4,894
Total interest expense	$3,033,000	4,690
Net interest income	$3,090,000	4,957
Provision for loan and lease losses	$3,697,000	447
Total noninterest income	$870,000	3,648
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$362,000	3,677
Trading account gains and fees	$0	177
Additional Noninterest Income	$508,000	3,108
Total noninterest expense	$3,691,000	3,668
Salaries and employee benefits	$2,186,000	3,333
Premises and equipment expense	$421,000	4,434
Additional noninterest expense	$1,084,000	3,806
Pre-tax net operating income	$-3,428,000	9,542
Securities gains (losses)	$15,000	3,362
Applicable income taxes	$-324,000	9,437
Income before extraordinary items	$-3,089,000	9,549
Extraordinary gains, net	$0	105
Net income	$-3,089,000	9,550
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,763,000	625
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-3,102,650	9,536
2000-12-31 (YTD Data)		Rank
Total interest income	$7,695,000	4,256
Total interest expense	$3,566,000	4,330
Net interest income	$4,129,000	4,075
Provision for loan and lease losses	$336,000	2,647
Total noninterest income	$845,000	3,533
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$309,000	3,971
Trading account gains and fees	NA	NA
Additional Noninterest Income	$536,000	2,836
Total noninterest expense	$3,648,000	3,576
Salaries and employee benefits	$2,230,000	3,145
Premises and equipment expense	$392,000	4,573
Additional noninterest expense	$1,019,000	3,934
Pre-tax net operating income	$990,000	5,278
Securities gains (losses)	$0	1,956
Applicable income taxes	$408,000	3,950
Income before extraordinary items	$582,000	5,934
Extraordinary gains, net	$0	38
Net income	$582,000	5,932
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$290,000	1,864
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$582,000	5,944
1999-12-31 (YTD Data)		Rank
Total interest income	$5,781,000	5,074
Total interest expense	$2,486,000	5,212
Net interest income	$3,295,000	4,833
Provision for loan and lease losses	$105,000	5,113
Total noninterest income	$928,000	3,279
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$273,000	4,258
Trading account gains and fees	NA	NA
Additional Noninterest Income	$655,000	2,480
Total noninterest expense	$3,980,000	3,330
Salaries and employee benefits	$2,271,000	3,062
Premises and equipment expense	$628,000	3,131
Additional noninterest expense	$1,081,000	3,761
Pre-tax net operating income	$138,000	8,875
Securities gains (losses)	$0	3,155
Applicable income taxes	$-32,000	9,766
Income before extraordinary items	$170,000	8,506
Extraordinary gains, net	$0	35
Net income	$170,000	8,504
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$92,000	3,732
Cash dividends	$0	7,131
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$170,000	8,471
1998-12-31 (YTD Data)		Rank
Total interest income	$5,357,000	5,408
Total interest expense	$2,264,000	5,720
Net interest income	$3,093,000	5,027
Provision for loan and lease losses	$235,000	3,172
Total noninterest income	$1,027,000	3,010
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$335,000	3,601
Trading account gains and fees	NA	NA
Additional Noninterest Income	$692,000	2,412
Total noninterest expense	$3,520,000	3,592
Salaries and employee benefits	$1,984,000	3,363
Premises and equipment expense	$527,000	3,546
Additional noninterest expense	$1,009,000	3,931
Pre-tax net operating income	$365,000	8,057
Securities gains (losses)	$0	4,449
Applicable income taxes	$116,000	7,300
Income before extraordinary items	$249,000	8,254
Extraordinary gains, net	$0	32
Net income	$249,000	8,253
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$25,000	6,026
Cash dividends	$0	7,473
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$249,000	8,181
1997-12-31 (YTD Data)		Rank
Total interest income	$4,660,000	6,078
Total interest expense	$1,961,000	6,335
Net interest income	$2,699,000	5,763
Provision for loan and lease losses	$294,000	2,677
Total noninterest income	$1,176,000	2,674
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$341,000	3,699
Trading account gains and fees	NA	NA
Additional Noninterest Income	$835,000	1,974
Total noninterest expense	$3,266,000	3,827
Salaries and employee benefits	$1,681,000	3,869
Premises and equipment expense	$435,000	4,157
Additional noninterest expense	$1,150,000	3,467
Pre-tax net operating income	$315,000	8,912
Securities gains (losses)	$0	3,944
Applicable income taxes	$44,000	9,342
Income before extraordinary items	$271,000	8,592
Extraordinary gains, net	$0	44
Net income	$271,000	8,594
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$279,000	2,054
Cash dividends	$0	7,871
Sale, conversion, retirement of capital stock, net	$2,508,000	343
Net operating income	$271,000	8,554
1996-12-31 (YTD Data)		Rank
Total interest income	$4,203,000	6,671
Total interest expense	$1,764,000	6,922
Net interest income	$2,439,000	6,303
Provision for loan and lease losses	$294,000	2,635
Total noninterest income	$963,000	3,222
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$542,000	2,506
Trading account gains and fees	NA	NA
Additional Noninterest Income	$421,000	3,296
Total noninterest expense	$2,971,000	4,340
Salaries and employee benefits	$1,588,000	4,095
Premises and equipment expense	$420,000	4,359
Additional noninterest expense	$963,000	4,547
Pre-tax net operating income	$137,000	10,160
Securities gains (losses)	$0	4,148
Applicable income taxes	$1,000	10,529
Income before extraordinary items	$136,000	9,927
Extraordinary gains, net	$0	53
Net income	$136,000	9,925
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$317,000	1,989
Cash dividends	$0	8,336
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$136,000	9,873
1995-12-31 (YTD Data)		Rank
Total interest income	$4,293,000	6,696
Total interest expense	$1,791,000	6,924
Net interest income	$2,502,000	6,320
Provision for loan and lease losses	$255,000	2,517
Total noninterest income	$982,000	3,141
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$582,000	2,326
Trading account gains and fees	NA	NA
Additional Noninterest Income	$400,000	3,315
Total noninterest expense	$2,838,000	4,481
Salaries and employee benefits	$1,410,000	4,540
Premises and equipment expense	$512,000	3,686
Additional noninterest expense	$916,000	4,692
Pre-tax net operating income	$391,000	9,126
Securities gains (losses)	$-5,000	9,676
Applicable income taxes	$1,000	11,102
Income before extraordinary items	$385,000	8,196
Extraordinary gains, net	$0	65
Net income	$385,000	8,196
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$221,000	2,345
Cash dividends	$0	8,717
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$390,000	8,113
1994-12-31 (YTD Data)		Rank
Total interest income	$3,679,000	7,101
Total interest expense	$1,110,000	8,256
Net interest income	$2,569,000	6,327
Provision for loan and lease losses	$306,000	2,208
Total noninterest income	$1,243,000	2,669
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$558,000	2,441
Trading account gains and fees	NA	NA
Additional Noninterest Income	$685,000	2,372
Total noninterest expense	$3,037,000	4,360
Salaries and employee benefits	$1,277,000	4,964
Premises and equipment expense	$492,000	3,863
Additional noninterest expense	$1,268,000	3,862
Pre-tax net operating income	$469,000	8,867
Securities gains (losses)	$-48,000	10,996
Applicable income taxes	$1,000	11,577
Income before extraordinary items	$420,000	7,996
Extraordinary gains, net	$0	249
Net income	$420,000	8,003
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$318,000	1,836
Cash dividends	$0	8,932
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$468,000	7,595
1993-12-31 (YTD Data)		Rank
Total interest income	$3,365,000	7,733
Total interest expense	$1,157,000	8,449
Net interest income	$2,208,000	7,165
Provision for loan and lease losses	$260,000	3,299
Total noninterest income	$1,054,000	3,211
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$633,000	2,162
Trading account gains and fees	NA	NA
Additional Noninterest Income	$421,000	3,638
Total noninterest expense	$3,837,000	3,618
Salaries and employee benefits	$1,374,000	4,640
Premises and equipment expense	$483,000	3,991
Additional noninterest expense	$1,980,000	2,761
Pre-tax net operating income	$-835,000	12,941
Securities gains (losses)	$0	7,477
Applicable income taxes	$1,000	12,075
Income before extraordinary items	$-836,000	12,975
Extraordinary gains, net	$0	3,149
Net income	$-836,000	12,975
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$343,000	2,266
Cash dividends	$0	9,081
Sale, conversion, retirement of capital stock, net	$594,000	568
Net operating income	$-836,000	12,931
1992-12-31 (YTD Data)		Rank
Total interest income	$4,140,000	7,334
Total interest expense	$1,997,000	7,114
Net interest income	$2,143,000	7,391
Provision for loan and lease losses	$466,000	3,158
Total noninterest income	$1,312,000	2,668
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$592,000	2,323
Trading account gains and fees	NA	NA
Additional Noninterest Income	$720,000	2,473
Total noninterest expense	$3,414,000	4,021
Salaries and employee benefits	$1,475,000	4,299
Premises and equipment expense	$492,000	4,030
Additional noninterest expense	$1,447,000	3,708
Pre-tax net operating income	$-425,000	13,245
Securities gains (losses)	$0	8,369
Applicable income taxes	$5,000	12,508
Income before extraordinary items	$-430,000	13,344
Extraordinary gains, net	$0	1,422
Net income	$-430,000	13,341
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$639,000	2,091
Cash dividends	$0	8,912
Sale, conversion, retirement of capital stock, net	$1,251,000	378
Net operating income	$-430,000	13,239

* 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.