Home > WestStar Bank > Income and Expense
WestStar Bank, Income and Expense
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $24,718,000 | 759 |
| Total interest expense | $6,819,000 | 1,135 |
| Net interest income | $17,899,000 | 646 |
| Provision for loan and lease losses | $455,000 | 1,052 |
| Total noninterest income | $2,699,000 | 1,037 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,531,000 | 558 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,168,000 | 1,214 |
| Total noninterest expense | $13,796,000 | 662 |
| Salaries and employee benefits | $8,312,000 | 588 |
| Premises and equipment expense | $2,942,000 | 455 |
| Additional noninterest expense | $2,542,000 | 1,068 |
| Pre-tax net operating income | $6,347,000 | 820 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,027,000 | 787 |
| Income before extraordinary items | $4,320,000 | 901 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,320,000 | 902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,320,000 | 882 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $11,832,000 | 772 |
| Total interest expense | $3,151,000 | 1,167 |
| Net interest income | $8,681,000 | 654 |
| Provision for loan and lease losses | $215,000 | 1,084 |
| Total noninterest income | $1,392,000 | 996 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $738,000 | 556 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $654,000 | 1,096 |
| Total noninterest expense | $6,896,000 | 659 |
| Salaries and employee benefits | $4,181,000 | 588 |
| Premises and equipment expense | $1,496,000 | 443 |
| Additional noninterest expense | $1,219,000 | 1,103 |
| Pre-tax net operating income | $2,962,000 | 857 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $945,000 | 823 |
| Income before extraordinary items | $2,017,000 | 945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,017,000 | 944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,017,000 | 925 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $40,563,000 | 793 |
| Total interest expense | $8,793,000 | 1,288 |
| Net interest income | $31,770,000 | 664 |
| Provision for loan and lease losses | $529,000 | 1,811 |
| Total noninterest income | $6,317,000 | 896 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,908,000 | 585 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,409,000 | 923 |
| Total noninterest expense | $26,720,000 | 648 |
| Salaries and employee benefits | $15,758,000 | 584 |
| Premises and equipment expense | $5,729,000 | 437 |
| Additional noninterest expense | $5,233,000 | 1,000 |
| Pre-tax net operating income | $10,838,000 | 910 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $3,637,000 | 835 |
| Income before extraordinary items | $7,202,000 | 1,008 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,202,000 | 1,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,468 |
| Cash dividends | $2,000,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,201,340 | 987 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $29,085,000 | 810 |
| Total interest expense | $6,042,000 | 1,324 |
| Net interest income | $23,043,000 | 678 |
| Provision for loan and lease losses | $79,000 | 4,657 |
| Total noninterest income | $4,740,000 | 899 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,136,000 | 590 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,604,000 | 927 |
| Total noninterest expense | $19,981,000 | 644 |
| Salaries and employee benefits | $11,823,000 | 579 |
| Premises and equipment expense | $4,305,000 | 432 |
| Additional noninterest expense | $3,853,000 | 996 |
| Pre-tax net operating income | $7,723,000 | 953 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,580,000 | 877 |
| Income before extraordinary items | $5,143,000 | 1,047 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,143,000 | 1,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 8,568 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,143,000 | 1,028 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $18,766,000 | 815 |
| Total interest expense | $3,680,000 | 1,375 |
| Net interest income | $15,086,000 | 674 |
| Provision for loan and lease losses | $29,000 | 5,376 |
| Total noninterest income | $2,744,000 | 1,003 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,405,000 | 591 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,339,000 | 1,087 |
| Total noninterest expense | $13,062,000 | 657 |
| Salaries and employee benefits | $7,603,000 | 595 |
| Premises and equipment expense | $2,917,000 | 421 |
| Additional noninterest expense | $2,542,000 | 995 |
| Pre-tax net operating income | $4,739,000 | 1,000 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,569,000 | 917 |
| Income before extraordinary items | $3,170,000 | 1,108 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,170,000 | 1,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 8,609 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,170,000 | 1,084 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $9,224,000 | 817 |
| Total interest expense | $1,718,000 | 1,393 |
| Net interest income | $7,506,000 | 674 |
| Provision for loan and lease losses | $65,000 | 2,741 |
| Total noninterest income | $1,320,000 | 1,001 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $685,000 | 584 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $635,000 | 1,129 |
| Total noninterest expense | $6,539,000 | 650 |
| Salaries and employee benefits | $3,865,000 | 584 |
| Premises and equipment expense | $1,453,000 | 417 |
| Additional noninterest expense | $1,221,000 | 1,016 |
| Pre-tax net operating income | $2,222,000 | 1,040 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $720,000 | 984 |
| Income before extraordinary items | $1,502,000 | 1,153 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,502,000 | 1,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,462 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,502,000 | 1,129 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $31,124,000 | 899 |
| Total interest expense | $5,711,000 | 1,439 |
| Net interest income | $25,413,000 | 772 |
| Provision for loan and lease losses | $704,000 | 1,452 |
| Total noninterest income | $9,201,000 | 647 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,976,000 | 579 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,225,000 | 562 |
| Total noninterest expense | $24,995,000 | 660 |
| Salaries and employee benefits | $15,361,000 | 559 |
| Premises and equipment expense | $5,268,000 | 442 |
| Additional noninterest expense | $4,366,000 | 1,127 |
| Pre-tax net operating income | $8,915,000 | 980 |
| Securities gains (losses) | $-311,000 | 8,843 |
| Applicable income taxes | $3,022,000 | 901 |
| Income before extraordinary items | $5,582,000 | 1,174 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,582,000 | 1,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,939 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,784,150 | 1,098 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,347,000 | 932 |
| Total interest expense | $4,115,000 | 1,473 |
| Net interest income | $18,232,000 | 813 |
| Provision for loan and lease losses | $524,000 | 1,406 |
| Total noninterest income | $7,426,000 | 618 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,229,000 | 592 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,197,000 | 531 |
| Total noninterest expense | $18,271,000 | 669 |
| Salaries and employee benefits | $11,236,000 | 573 |
| Premises and equipment expense | $3,779,000 | 468 |
| Additional noninterest expense | $3,256,000 | 1,127 |
| Pre-tax net operating income | $6,863,000 | 970 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,553,000 | 838 |
| Income before extraordinary items | $4,310,000 | 1,145 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,310,000 | 1,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 1,495 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,310,000 | 1,107 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,432,000 | 951 |
| Total interest expense | $2,743,000 | 1,448 |
| Net interest income | $11,689,000 | 837 |
| Provision for loan and lease losses | $201,000 | 2,189 |
| Total noninterest income | $5,544,000 | 574 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,462,000 | 595 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,082,000 | 479 |
| Total noninterest expense | $11,910,000 | 682 |
| Salaries and employee benefits | $7,401,000 | 577 |
| Premises and equipment expense | $2,496,000 | 474 |
| Additional noninterest expense | $2,013,000 | 1,193 |
| Pre-tax net operating income | $5,122,000 | 851 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,001,000 | 722 |
| Income before extraordinary items | $3,121,000 | 1,060 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,121,000 | 1,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $335,000 | 966 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,121,000 | 1,014 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,088,000 | 981 |
| Total interest expense | $1,392,000 | 1,440 |
| Net interest income | $5,696,000 | 870 |
| Provision for loan and lease losses | $158,000 | 1,377 |
| Total noninterest income | $3,604,000 | 483 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $723,000 | 595 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,881,000 | 371 |
| Total noninterest expense | $5,841,000 | 695 |
| Salaries and employee benefits | $3,704,000 | 591 |
| Premises and equipment expense | $1,155,000 | 519 |
| Additional noninterest expense | $982,000 | 1,230 |
| Pre-tax net operating income | $3,301,000 | 677 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,425,000 | 554 |
| Income before extraordinary items | $1,876,000 | 873 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,876,000 | 873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 616 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,876,000 | 824 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $30,404,000 | 923 |
| Total interest expense | $6,247,000 | 1,419 |
| Net interest income | $24,157,000 | 792 |
| Provision for loan and lease losses | $578,000 | 1,944 |
| Total noninterest income | $8,382,000 | 750 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,228,000 | 538 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $5,154,000 | 747 |
| Total noninterest expense | $26,446,000 | 635 |
| Salaries and employee benefits | $16,093,000 | 538 |
| Premises and equipment expense | $5,506,000 | 431 |
| Additional noninterest expense | $4,847,000 | 1,052 |
| Pre-tax net operating income | $5,515,000 | 1,498 |
| Securities gains (losses) | $15,000 | 3,390 |
| Applicable income taxes | $1,983,000 | 1,297 |
| Income before extraordinary items | $3,547,000 | 1,756 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,547,000 | 1,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $822,000 | 1,066 |
| Cash dividends | $15,000,000 | 283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,537,400 | 1,679 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $23,350,000 | 921 |
| Total interest expense | $4,748,000 | 1,467 |
| Net interest income | $18,602,000 | 781 |
| Provision for loan and lease losses | $414,000 | 1,974 |
| Total noninterest income | $7,548,000 | 677 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,444,000 | 536 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,104,000 | 627 |
| Total noninterest expense | $19,074,000 | 668 |
| Salaries and employee benefits | $12,070,000 | 550 |
| Premises and equipment expense | $3,827,000 | 470 |
| Additional noninterest expense | $3,177,000 | 1,194 |
| Pre-tax net operating income | $6,662,000 | 986 |
| Securities gains (losses) | $15,000 | 3,125 |
| Applicable income taxes | $2,159,000 | 1,003 |
| Income before extraordinary items | $4,518,000 | 1,110 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,518,000 | 1,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $862,000 | 766 |
| Cash dividends | $10,000,000 | 304 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,507,800 | 1,045 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $15,937,000 | 916 |
| Total interest expense | $3,137,000 | 1,532 |
| Net interest income | $12,800,000 | 747 |
| Provision for loan and lease losses | $250,000 | 2,117 |
| Total noninterest income | $5,104,000 | 665 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,660,000 | 516 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,444,000 | 614 |
| Total noninterest expense | $12,517,000 | 678 |
| Salaries and employee benefits | $8,009,000 | 549 |
| Premises and equipment expense | $2,545,000 | 473 |
| Additional noninterest expense | $1,963,000 | 1,266 |
| Pre-tax net operating income | $5,137,000 | 866 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,690,000 | 892 |
| Income before extraordinary items | $3,447,000 | 968 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,447,000 | 968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $859,000 | 568 |
| Cash dividends | $5,000,000 | 343 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,447,000 | 899 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,802,000 | 946 |
| Total interest expense | $1,481,000 | 1,685 |
| Net interest income | $6,321,000 | 756 |
| Provision for loan and lease losses | $125,000 | 1,986 |
| Total noninterest income | $2,578,000 | 657 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $792,000 | 531 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,786,000 | 587 |
| Total noninterest expense | $6,343,000 | 664 |
| Salaries and employee benefits | $4,028,000 | 551 |
| Premises and equipment expense | $1,293,000 | 467 |
| Additional noninterest expense | $1,022,000 | 1,196 |
| Pre-tax net operating income | $2,431,000 | 917 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $796,000 | 964 |
| Income before extraordinary items | $1,635,000 | 1,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,635,000 | 1,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 506 |
| Cash dividends | $3,000,000 | 276 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,635,000 | 950 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $34,148,000 | 894 |
| Total interest expense | $6,074,000 | 1,881 |
| Net interest income | $28,074,000 | 674 |
| Provision for loan and lease losses | $382,000 | 2,937 |
| Total noninterest income | $10,221,000 | 620 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,690,000 | 442 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,531,000 | 579 |
| Total noninterest expense | $25,648,000 | 636 |
| Salaries and employee benefits | $15,711,000 | 533 |
| Premises and equipment expense | $4,986,000 | 466 |
| Additional noninterest expense | $4,951,000 | 1,002 |
| Pre-tax net operating income | $12,265,000 | 719 |
| Securities gains (losses) | $416,000 | 743 |
| Applicable income taxes | $4,498,000 | 655 |
| Income before extraordinary items | $8,183,000 | 779 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $8,183,000 | 779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,010,000 | 963 |
| Cash dividends | $4,000,000 | 738 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $7,912,600 | 772 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $42,236,000 | 807 |
| Total interest expense | $11,080,000 | 1,462 |
| Net interest income | $31,156,000 | 590 |
| Provision for loan and lease losses | $800,000 | 1,496 |
| Total noninterest income | $9,891,000 | 608 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,693,000 | 410 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,198,000 | 562 |
| Total noninterest expense | $26,199,000 | 621 |
| Salaries and employee benefits | $14,506,000 | 544 |
| Premises and equipment expense | $4,769,000 | 481 |
| Additional noninterest expense | $6,924,000 | 740 |
| Pre-tax net operating income | $14,048,000 | 571 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $5,667,000 | 499 |
| Income before extraordinary items | $8,381,000 | 668 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $8,381,000 | 671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $865,000 | 1,038 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $8,381,000 | 641 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $43,450,000 | 816 |
| Total interest expense | $15,683,000 | 1,113 |
| Net interest income | $27,767,000 | 646 |
| Provision for loan and lease losses | $1,047,000 | 1,023 |
| Total noninterest income | $6,906,000 | 733 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,668,000 | 508 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,238,000 | 696 |
| Total noninterest expense | $23,178,000 | 678 |
| Salaries and employee benefits | $12,498,000 | 574 |
| Premises and equipment expense | $4,529,000 | 496 |
| Additional noninterest expense | $6,151,000 | 808 |
| Pre-tax net operating income | $10,448,000 | 753 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $4,254,000 | 616 |
| Income before extraordinary items | $6,194,000 | 854 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,194,000 | 854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 1,517 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,194,000 | 852 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $29,152,000 | 1,124 |
| Total interest expense | $9,100,000 | 1,650 |
| Net interest income | $20,052,000 | 878 |
| Provision for loan and lease losses | $405,000 | 2,081 |
| Total noninterest income | $2,884,000 | 1,397 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,047,000 | 647 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $837,000 | 2,094 |
| Total noninterest expense | $16,212,000 | 887 |
| Salaries and employee benefits | $8,124,000 | 843 |
| Premises and equipment expense | $2,777,000 | 739 |
| Additional noninterest expense | $5,311,000 | 918 |
| Pre-tax net operating income | $6,319,000 | 1,213 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,368,000 | 1,067 |
| Income before extraordinary items | $3,951,000 | 1,362 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,951,000 | 1,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $306,000 | 1,789 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,951,000 | 1,342 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $20,900,000 | 1,546 |
| Total interest expense | $7,413,000 | 2,050 |
| Net interest income | $13,487,000 | 1,259 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $2,357,000 | 1,622 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,387,000 | 894 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $970,000 | 1,895 |
| Total noninterest expense | $12,441,000 | 1,064 |
| Salaries and employee benefits | $6,581,000 | 991 |
| Premises and equipment expense | $2,738,000 | 737 |
| Additional noninterest expense | $3,122,000 | 1,404 |
| Pre-tax net operating income | $3,403,000 | 2,119 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $59,000 | 8,181 |
| Income before extraordinary items | $3,344,000 | 1,578 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,344,000 | 1,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,452 |
| Cash dividends | $3,454,000 | 878 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,344,000 | 1,517 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,022,000 | 2,332 |
| Total interest expense | $4,377,000 | 3,377 |
| Net interest income | $9,645,000 | 1,809 |
| Provision for loan and lease losses | $232,000 | 3,133 |
| Total noninterest income | $1,260,000 | 2,518 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $916,000 | 1,412 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $344,000 | 3,623 |
| Total noninterest expense | $9,121,000 | 1,439 |
| Salaries and employee benefits | $4,592,000 | 1,423 |
| Premises and equipment expense | $2,094,000 | 952 |
| Additional noninterest expense | $2,435,000 | 1,742 |
| Pre-tax net operating income | $1,552,000 | 4,367 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $14,000 | 9,835 |
| Income before extraordinary items | $1,538,000 | 3,292 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,538,000 | 3,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,767 |
| Cash dividends | $210,000 | 5,261 |
| Sale, conversion, retirement of capital stock, net | $6,785,000 | 142 |
| Net operating income | $1,538,000 | 3,216 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,655,000 | 2,836 |
| Total interest expense | $4,065,000 | 3,653 |
| Net interest income | $7,590,000 | 2,374 |
| Provision for loan and lease losses | $154,000 | 4,014 |
| Total noninterest income | $1,070,000 | 2,964 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $790,000 | 1,702 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $280,000 | 4,246 |
| Total noninterest expense | $7,358,000 | 1,918 |
| Salaries and employee benefits | $3,395,000 | 1,941 |
| Premises and equipment expense | $1,648,000 | 1,254 |
| Additional noninterest expense | $2,315,000 | 2,164 |
| Pre-tax net operating income | $1,148,000 | 5,270 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $18,000 | 10,236 |
| Income before extraordinary items | $1,130,000 | 4,069 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,130,000 | 4,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 11,073 |
| Cash dividends | $1,002,000 | 2,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,130,000 | 4,013 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,485,000 | 3,807 |
| Total interest expense | $2,881,000 | 4,936 |
| Net interest income | $5,604,000 | 3,173 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $911,000 | 3,332 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $671,000 | 2,013 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $240,000 | 4,595 |
| Total noninterest expense | $5,225,000 | 2,596 |
| Salaries and employee benefits | $2,294,000 | 2,901 |
| Premises and equipment expense | $1,249,000 | 1,624 |
| Additional noninterest expense | $1,682,000 | 2,772 |
| Pre-tax net operating income | $1,250,000 | 5,119 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $2,000 | 11,074 |
| Income before extraordinary items | $1,248,000 | 3,828 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,248,000 | 3,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 11,353 |
| Cash dividends | $1,132,000 | 1,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,248,000 | 3,807 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,040,000 | 5,641 |
| Total interest expense | $1,293,000 | 7,576 |
| Net interest income | $3,747,000 | 4,642 |
| Provision for loan and lease losses | $-125,000 | 12,224 |
| Total noninterest income | $717,000 | 4,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $455,000 | 3,021 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $262,000 | 4,461 |
| Total noninterest expense | $3,302,000 | 4,056 |
| Salaries and employee benefits | $1,351,000 | 4,715 |
| Premises and equipment expense | $791,000 | 2,550 |
| Additional noninterest expense | $1,160,000 | 4,175 |
| Pre-tax net operating income | $1,287,000 | 4,979 |
| Securities gains (losses) | $4,000 | 2,755 |
| Applicable income taxes | $378,000 | 4,964 |
| Income before extraordinary items | $913,000 | 4,851 |
| Extraordinary gains, net | $369,000 | 40 |
| Net income | $1,282,000 | 3,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-133,000 | 12,310 |
| Cash dividends | $1,193,000 | 1,661 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $910,160 | 4,922 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,417,000 | 6,400 |
| Total interest expense | $1,246,000 | 8,094 |
| Net interest income | $3,171,000 | 5,407 |
| Provision for loan and lease losses | $-200,000 | 13,035 |
| Total noninterest income | $998,000 | 3,348 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $502,000 | 2,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $496,000 | 3,283 |
| Total noninterest expense | $3,108,000 | 4,379 |
| Salaries and employee benefits | $1,136,000 | 5,486 |
| Premises and equipment expense | $756,000 | 2,691 |
| Additional noninterest expense | $1,216,000 | 4,147 |
| Pre-tax net operating income | $1,261,000 | 4,993 |
| Securities gains (losses) | $172,000 | 1,847 |
| Applicable income taxes | $271,000 | 6,473 |
| Income before extraordinary items | $1,162,000 | 4,138 |
| Extraordinary gains, net | $271,000 | 778 |
| Net income | $1,433,000 | 3,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-225,000 | 13,137 |
| Cash dividends | $420,000 | 3,523 |
| Sale, conversion, retirement of capital stock, net | $-13,000 | 13,163 |
| Net operating income | $1,022,680 | 4,376 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,775,000 | 9,380 |
| Total interest expense | $985,000 | 10,461 |
| Net interest income | $1,790,000 | 8,375 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $491,000 | 5,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 4,323 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $181,000 | 6,009 |
| Total noninterest expense | $1,860,000 | 6,769 |
| Salaries and employee benefits | $742,000 | 7,668 |
| Premises and equipment expense | $467,000 | 4,217 |
| Additional noninterest expense | $651,000 | 7,101 |
| Pre-tax net operating income | $421,000 | 9,054 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $123,000 | 9,281 |
| Income before extraordinary items | $303,000 | 9,276 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $303,000 | 9,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 8,164 |
| Cash dividends | $186,000 | 5,265 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $299,450 | 8,947 |
* 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.