Home > Woronoco Savings Bank > Income and Expense
Woronoco Savings Bank, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $11,026,000 | 679 |
| Total interest expense | $5,690,000 | 441 |
| Net interest income | $5,336,000 | 971 |
| Provision for loan and lease losses | $14,000 | 5,196 |
| Total noninterest income | $1,624,000 | 850 |
| Gross Fiduciary activities income | $6,000 | 1,124 |
| Service charges on deposit accounts | $631,000 | 638 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $987,000 | 792 |
| Total noninterest expense | $4,557,000 | 912 |
| Salaries and employee benefits | $2,866,000 | 772 |
| Premises and equipment expense | $647,000 | 913 |
| Additional noninterest expense | $1,044,000 | 1,181 |
| Pre-tax net operating income | $2,389,000 | 981 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $690,000 | 1,022 |
| Income before extraordinary items | $1,699,000 | 1,026 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,699,000 | 1,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,501 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $931,000 | 133 |
| Net operating income | $1,699,000 | 1,002 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $40,773,000 | 682 |
| Total interest expense | $20,017,000 | 424 |
| Net interest income | $20,756,000 | 953 |
| Provision for loan and lease losses | $373,000 | 2,500 |
| Total noninterest income | $6,305,000 | 873 |
| Gross Fiduciary activities income | $29,000 | 1,143 |
| Service charges on deposit accounts | $2,982,000 | 576 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,294,000 | 918 |
| Total noninterest expense | $21,698,000 | 754 |
| Salaries and employee benefits | $14,664,000 | 582 |
| Premises and equipment expense | $2,060,000 | 1,115 |
| Additional noninterest expense | $4,974,000 | 1,009 |
| Pre-tax net operating income | $4,990,000 | 1,703 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $795,000 | 2,547 |
| Income before extraordinary items | $4,195,000 | 1,536 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,195,000 | 1,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $2,838,000 | 299 |
| Net operating income | $4,195,000 | 1,487 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $29,990,000 | 694 |
| Total interest expense | $14,609,000 | 429 |
| Net interest income | $15,381,000 | 959 |
| Provision for loan and lease losses | $300,000 | 2,260 |
| Total noninterest income | $4,673,000 | 904 |
| Gross Fiduciary activities income | $23,000 | 1,121 |
| Service charges on deposit accounts | $2,242,000 | 583 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,408,000 | 943 |
| Total noninterest expense | $13,561,000 | 901 |
| Salaries and employee benefits | $8,423,000 | 756 |
| Premises and equipment expense | $1,496,000 | 1,153 |
| Additional noninterest expense | $3,642,000 | 1,012 |
| Pre-tax net operating income | $6,193,000 | 1,067 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,811,000 | 1,106 |
| Income before extraordinary items | $4,382,000 | 1,125 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,382,000 | 1,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,522 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $1,422,000 | 283 |
| Net operating income | $4,382,000 | 1,086 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $19,585,000 | 702 |
| Total interest expense | $9,473,000 | 439 |
| Net interest income | $10,112,000 | 966 |
| Provision for loan and lease losses | $197,000 | 2,246 |
| Total noninterest income | $3,127,000 | 883 |
| Gross Fiduciary activities income | $16,000 | 1,121 |
| Service charges on deposit accounts | $1,489,000 | 582 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,622,000 | 934 |
| Total noninterest expense | $8,893,000 | 915 |
| Salaries and employee benefits | $5,556,000 | 766 |
| Premises and equipment expense | $1,007,000 | 1,145 |
| Additional noninterest expense | $2,330,000 | 1,054 |
| Pre-tax net operating income | $4,149,000 | 1,043 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,224,000 | 1,092 |
| Income before extraordinary items | $2,925,000 | 1,118 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,925,000 | 1,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,621 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,523,000 | 191 |
| Net operating income | $2,925,000 | 1,077 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $9,747,000 | 714 |
| Total interest expense | $4,644,000 | 455 |
| Net interest income | $5,103,000 | 965 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $1,612,000 | 854 |
| Gross Fiduciary activities income | $2,000 | 1,290 |
| Service charges on deposit accounts | $708,000 | 608 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $902,000 | 852 |
| Total noninterest expense | $4,430,000 | 924 |
| Salaries and employee benefits | $2,812,000 | 766 |
| Premises and equipment expense | $516,000 | 1,142 |
| Additional noninterest expense | $1,102,000 | 1,113 |
| Pre-tax net operating income | $2,135,000 | 1,010 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $636,000 | 1,073 |
| Income before extraordinary items | $1,499,000 | 1,091 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,499,000 | 1,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,875 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $889,000 | 134 |
| Net operating income | $1,499,000 | 1,030 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $39,305,000 | 715 |
| Total interest expense | $20,042,000 | 464 |
| Net interest income | $19,263,000 | 1,003 |
| Provision for loan and lease losses | $173,000 | 4,345 |
| Total noninterest income | $6,861,000 | 876 |
| Gross Fiduciary activities income | $88,000 | 985 |
| Service charges on deposit accounts | $2,481,000 | 696 |
| Trading account gains and fees | $607,000 | 90 |
| Additional Noninterest Income | $3,685,000 | 948 |
| Total noninterest expense | $17,447,000 | 923 |
| Salaries and employee benefits | $10,016,000 | 854 |
| Premises and equipment expense | $1,951,000 | 1,159 |
| Additional noninterest expense | $5,480,000 | 926 |
| Pre-tax net operating income | $8,504,000 | 984 |
| Securities gains (losses) | $580,000 | 682 |
| Applicable income taxes | $2,620,000 | 1,027 |
| Income before extraordinary items | $6,464,000 | 997 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,464,000 | 999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,097 |
| Cash dividends | $6,900,000 | 490 |
| Sale, conversion, retirement of capital stock, net | $2,375,000 | 314 |
| Net operating income | $6,052,200 | 1,003 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $29,557,000 | 731 |
| Total interest expense | $15,272,000 | 475 |
| Net interest income | $14,285,000 | 1,028 |
| Provision for loan and lease losses | $104,000 | 4,607 |
| Total noninterest income | $5,066,000 | 918 |
| Gross Fiduciary activities income | $80,000 | 953 |
| Service charges on deposit accounts | $1,692,000 | 768 |
| Trading account gains and fees | $512,000 | 89 |
| Additional Noninterest Income | $2,782,000 | 972 |
| Total noninterest expense | $13,025,000 | 940 |
| Salaries and employee benefits | $7,427,000 | 872 |
| Premises and equipment expense | $1,446,000 | 1,183 |
| Additional noninterest expense | $4,152,000 | 931 |
| Pre-tax net operating income | $6,222,000 | 1,046 |
| Securities gains (losses) | $580,000 | 620 |
| Applicable income taxes | $1,959,000 | 1,079 |
| Income before extraordinary items | $4,843,000 | 1,040 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,843,000 | 1,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,621 |
| Cash dividends | $6,900,000 | 391 |
| Sale, conversion, retirement of capital stock, net | $1,471,000 | 274 |
| Net operating income | $4,431,200 | 1,068 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $19,761,000 | 738 |
| Total interest expense | $10,330,000 | 484 |
| Net interest income | $9,431,000 | 1,030 |
| Provision for loan and lease losses | $76,000 | 4,378 |
| Total noninterest income | $3,821,000 | 823 |
| Gross Fiduciary activities income | $63,000 | 925 |
| Service charges on deposit accounts | $949,000 | 897 |
| Trading account gains and fees | $631,000 | 77 |
| Additional Noninterest Income | $2,178,000 | 864 |
| Total noninterest expense | $8,672,000 | 943 |
| Salaries and employee benefits | $4,983,000 | 860 |
| Premises and equipment expense | $967,000 | 1,182 |
| Additional noninterest expense | $2,722,000 | 930 |
| Pre-tax net operating income | $4,504,000 | 968 |
| Securities gains (losses) | $415,000 | 649 |
| Applicable income taxes | $1,404,000 | 1,042 |
| Income before extraordinary items | $3,515,000 | 957 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,515,000 | 957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,202 |
| Cash dividends | $6,900,000 | 265 |
| Sale, conversion, retirement of capital stock, net | $903,000 | 219 |
| Net operating income | $3,220,350 | 963 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $10,036,000 | 737 |
| Total interest expense | $5,353,000 | 485 |
| Net interest income | $4,683,000 | 1,034 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $1,151,000 | 1,198 |
| Gross Fiduciary activities income | $35,000 | 910 |
| Service charges on deposit accounts | $390,000 | 1,065 |
| Trading account gains and fees | $-564,000 | 9,300 |
| Additional Noninterest Income | $1,290,000 | 740 |
| Total noninterest expense | $4,369,000 | 929 |
| Salaries and employee benefits | $2,503,000 | 857 |
| Premises and equipment expense | $525,000 | 1,103 |
| Additional noninterest expense | $1,341,000 | 925 |
| Pre-tax net operating income | $1,465,000 | 1,461 |
| Securities gains (losses) | $404,000 | 412 |
| Applicable income taxes | $520,000 | 1,325 |
| Income before extraordinary items | $1,349,000 | 1,224 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,349,000 | 1,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $471,000 | 146 |
| Net operating income | $1,058,120 | 1,434 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $41,650,000 | 729 |
| Total interest expense | $20,976,000 | 558 |
| Net interest income | $20,674,000 | 933 |
| Provision for loan and lease losses | $502,000 | 2,366 |
| Total noninterest income | $3,488,000 | 1,390 |
| Gross Fiduciary activities income | $245,000 | 773 |
| Service charges on deposit accounts | $1,586,000 | 1,012 |
| Trading account gains and fees | $-2,086,000 | 9,340 |
| Additional Noninterest Income | $3,743,000 | 862 |
| Total noninterest expense | $16,584,000 | 948 |
| Salaries and employee benefits | $9,271,000 | 871 |
| Premises and equipment expense | $2,123,000 | 1,037 |
| Additional noninterest expense | $5,190,000 | 964 |
| Pre-tax net operating income | $7,076,000 | 1,192 |
| Securities gains (losses) | $-136,000 | 9,164 |
| Applicable income taxes | $1,827,000 | 1,394 |
| Income before extraordinary items | $5,113,000 | 1,223 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,113,000 | 1,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,336 |
| Cash dividends | $2,217,000 | 1,204 |
| Sale, conversion, retirement of capital stock, net | $1,654,000 | 321 |
| Net operating income | $5,213,640 | 1,150 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $42,303,000 | 805 |
| Total interest expense | $23,639,000 | 710 |
| Net interest income | $18,664,000 | 960 |
| Provision for loan and lease losses | $195,000 | 4,194 |
| Total noninterest income | $3,799,000 | 1,237 |
| Gross Fiduciary activities income | $178,000 | 869 |
| Service charges on deposit accounts | $1,417,000 | 1,049 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,204,000 | 1,157 |
| Total noninterest expense | $15,800,000 | 939 |
| Salaries and employee benefits | $8,645,000 | 865 |
| Premises and equipment expense | $2,096,000 | 999 |
| Additional noninterest expense | $5,059,000 | 967 |
| Pre-tax net operating income | $6,468,000 | 1,153 |
| Securities gains (losses) | $393,000 | 731 |
| Applicable income taxes | $2,331,000 | 1,037 |
| Income before extraordinary items | $4,530,000 | 1,203 |
| Extraordinary gains, net | $-161,000 | 9,536 |
| Net income | $4,369,000 | 1,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,343 |
| Cash dividends | $7,271,000 | 463 |
| Sale, conversion, retirement of capital stock, net | $1,277,000 | 368 |
| Net operating income | $4,270,620 | 1,224 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $40,406,000 | 880 |
| Total interest expense | $24,647,000 | 738 |
| Net interest income | $15,759,000 | 1,115 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $3,161,000 | 1,291 |
| Gross Fiduciary activities income | $202,000 | 804 |
| Service charges on deposit accounts | $1,320,000 | 1,020 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,639,000 | 1,287 |
| Total noninterest expense | $14,123,000 | 998 |
| Salaries and employee benefits | $7,862,000 | 885 |
| Premises and equipment expense | $1,797,000 | 1,112 |
| Additional noninterest expense | $4,464,000 | 1,056 |
| Pre-tax net operating income | $4,497,000 | 1,633 |
| Securities gains (losses) | $1,377,000 | 133 |
| Applicable income taxes | $1,965,000 | 1,169 |
| Income before extraordinary items | $3,909,000 | 1,348 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,909,000 | 1,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,044 |
| Cash dividends | $3,587,000 | 827 |
| Sale, conversion, retirement of capital stock, net | $912,000 | 468 |
| Net operating income | $2,986,410 | 1,751 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $30,548,000 | 1,066 |
| Total interest expense | $15,093,000 | 1,014 |
| Net interest income | $15,455,000 | 1,138 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $2,095,000 | 1,802 |
| Gross Fiduciary activities income | $231,000 | 833 |
| Service charges on deposit accounts | $1,157,000 | 1,146 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $707,000 | 2,365 |
| Total noninterest expense | $12,559,000 | 1,105 |
| Salaries and employee benefits | $6,579,000 | 1,047 |
| Premises and equipment expense | $1,676,000 | 1,203 |
| Additional noninterest expense | $4,304,000 | 1,092 |
| Pre-tax net operating income | $4,811,000 | 1,564 |
| Securities gains (losses) | $1,737,000 | 156 |
| Applicable income taxes | $2,263,000 | 1,104 |
| Income before extraordinary items | $4,285,000 | 1,264 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,285,000 | 1,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,310 |
| Cash dividends | $3,275,000 | 906 |
| Sale, conversion, retirement of capital stock, net | $-6,603,000 | 10,207 |
| Net operating income | $3,155,950 | 1,664 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $25,102,000 | 1,289 |
| Total interest expense | $13,475,000 | 1,141 |
| Net interest income | $11,627,000 | 1,447 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $2,086,000 | 1,765 |
| Gross Fiduciary activities income | $157,000 | 915 |
| Service charges on deposit accounts | $1,049,000 | 1,195 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $880,000 | 2,034 |
| Total noninterest expense | $10,089,000 | 1,312 |
| Salaries and employee benefits | $5,085,000 | 1,288 |
| Premises and equipment expense | $1,382,000 | 1,415 |
| Additional noninterest expense | $3,622,000 | 1,235 |
| Pre-tax net operating income | $3,384,000 | 2,129 |
| Securities gains (losses) | $1,420,000 | 298 |
| Applicable income taxes | $1,694,000 | 1,457 |
| Income before extraordinary items | $3,110,000 | 1,693 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,110,000 | 1,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,973 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,187,000 | 2,283 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,511,000 | 1,392 |
| Total interest expense | $12,500,000 | 1,276 |
| Net interest income | $11,011,000 | 1,564 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $1,577,000 | 2,114 |
| Gross Fiduciary activities income | $101,000 | 1,047 |
| Service charges on deposit accounts | $935,000 | 1,378 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $541,000 | 2,680 |
| Total noninterest expense | $9,744,000 | 1,349 |
| Salaries and employee benefits | $4,810,000 | 1,369 |
| Premises and equipment expense | $1,224,000 | 1,591 |
| Additional noninterest expense | $3,710,000 | 1,188 |
| Pre-tax net operating income | $2,664,000 | 2,757 |
| Securities gains (losses) | $1,895,000 | 194 |
| Applicable income taxes | $1,541,000 | 1,675 |
| Income before extraordinary items | $3,018,000 | 1,764 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,018,000 | 1,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,181 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,767,300 | 2,830 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $21,622,000 | 1,549 |
| Total interest expense | $11,022,000 | 1,462 |
| Net interest income | $10,600,000 | 1,670 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $1,261,000 | 2,592 |
| Gross Fiduciary activities income | $57,000 | 1,210 |
| Service charges on deposit accounts | $582,000 | 2,333 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $622,000 | 2,509 |
| Total noninterest expense | $8,375,000 | 1,695 |
| Salaries and employee benefits | $4,386,000 | 1,519 |
| Premises and equipment expense | $1,054,000 | 1,908 |
| Additional noninterest expense | $2,935,000 | 1,773 |
| Pre-tax net operating income | $3,306,000 | 2,169 |
| Securities gains (losses) | $750,000 | 323 |
| Applicable income taxes | $1,582,000 | 1,526 |
| Income before extraordinary items | $2,474,000 | 2,000 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,474,000 | 2,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,783 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,994,000 | 2,424 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $19,795,000 | 1,717 |
| Total interest expense | $9,822,000 | 1,618 |
| Net interest income | $9,973,000 | 1,792 |
| Provision for loan and lease losses | $210,000 | 2,900 |
| Total noninterest income | $1,101,000 | 2,889 |
| Gross Fiduciary activities income | $24,000 | 1,388 |
| Service charges on deposit accounts | $610,000 | 2,226 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $467,000 | 3,001 |
| Total noninterest expense | $7,707,000 | 1,823 |
| Salaries and employee benefits | $4,079,000 | 1,622 |
| Premises and equipment expense | $975,000 | 2,063 |
| Additional noninterest expense | $2,653,000 | 1,884 |
| Pre-tax net operating income | $3,157,000 | 2,329 |
| Securities gains (losses) | $578,000 | 318 |
| Applicable income taxes | $1,400,000 | 1,750 |
| Income before extraordinary items | $2,335,000 | 2,169 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,335,000 | 2,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,055 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,965,080 | 2,524 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $16,888,000 | 1,830 |
| Total interest expense | $7,035,000 | 1,796 |
| Net interest income | $9,853,000 | 1,833 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $1,025,000 | 3,057 |
| Gross Fiduciary activities income | $6,000 | 1,510 |
| Service charges on deposit accounts | $563,000 | 2,421 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $456,000 | 3,142 |
| Total noninterest expense | $7,148,000 | 1,999 |
| Salaries and employee benefits | $3,403,000 | 1,962 |
| Premises and equipment expense | $826,000 | 2,457 |
| Additional noninterest expense | $2,919,000 | 1,857 |
| Pre-tax net operating income | $3,430,000 | 2,081 |
| Securities gains (losses) | $25,000 | 1,598 |
| Applicable income taxes | $1,263,000 | 1,806 |
| Income before extraordinary items | $2,192,000 | 2,232 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,192,000 | 2,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,862 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,176,000 | 2,265 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $16,106,000 | 1,948 |
| Total interest expense | $6,537,000 | 1,983 |
| Net interest income | $9,569,000 | 1,887 |
| Provision for loan and lease losses | $508,000 | 2,065 |
| Total noninterest income | $1,198,000 | 2,909 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $503,000 | 2,787 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $695,000 | 2,612 |
| Total noninterest expense | $6,038,000 | 2,375 |
| Salaries and employee benefits | $3,030,000 | 2,192 |
| Premises and equipment expense | $737,000 | 2,745 |
| Additional noninterest expense | $2,271,000 | 2,444 |
| Pre-tax net operating income | $4,221,000 | 1,642 |
| Securities gains (losses) | $353,000 | 1,150 |
| Applicable income taxes | $1,810,000 | 1,320 |
| Income before extraordinary items | $2,764,000 | 1,807 |
| Extraordinary gains, net | $822,000 | 270 |
| Net income | $3,586,000 | 1,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 2,277 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,538,080 | 1,856 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,113,000 | 2,069 |
| Total interest expense | $8,341,000 | 2,050 |
| Net interest income | $8,772,000 | 2,078 |
| Provision for loan and lease losses | $1,663,000 | 1,309 |
| Total noninterest income | $934,000 | 3,518 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $439,000 | 3,198 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $495,000 | 3,216 |
| Total noninterest expense | $5,781,000 | 2,501 |
| Salaries and employee benefits | $2,745,000 | 2,358 |
| Premises and equipment expense | $348,000 | 5,395 |
| Additional noninterest expense | $2,688,000 | 2,192 |
| Pre-tax net operating income | $2,262,000 | 2,759 |
| Securities gains (losses) | $125,000 | 2,651 |
| Applicable income taxes | $1,365,000 | 1,570 |
| Income before extraordinary items | $1,022,000 | 4,403 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,022,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $708,000 | 1,961 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $942,000 | 4,425 |
* 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.