Home > Yosemite Bank > Income and Expense
Yosemite Bank, Income and Expense
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,794,000 | 3,898 |
| Total interest expense | $1,126,000 | 5,310 |
| Net interest income | $5,668,000 | 3,447 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $4,293,000 | 1,208 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $979,000 | 1,797 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,314,000 | 915 |
| Total noninterest expense | $6,090,000 | 2,595 |
| Salaries and employee benefits | $3,295,000 | 2,613 |
| Premises and equipment expense | $881,000 | 2,568 |
| Additional noninterest expense | $1,914,000 | 2,520 |
| Pre-tax net operating income | $3,811,000 | 2,136 |
| Securities gains (losses) | $433,000 | 497 |
| Applicable income taxes | $1,350,000 | 1,744 |
| Income before extraordinary items | $2,894,000 | 2,148 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,894,000 | 2,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,768 |
| Cash dividends | $2,606,000 | 1,079 |
| Sale, conversion, retirement of capital stock, net | $344,000 | 511 |
| Net operating income | $2,599,560 | 2,292 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,910,000 | 3,986 |
| Total interest expense | $846,000 | 5,279 |
| Net interest income | $4,064,000 | 3,553 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $3,347,000 | 1,195 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $656,000 | 1,993 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,691,000 | 869 |
| Total noninterest expense | $4,439,000 | 2,647 |
| Salaries and employee benefits | $2,432,000 | 2,629 |
| Premises and equipment expense | $639,000 | 2,635 |
| Additional noninterest expense | $1,368,000 | 2,595 |
| Pre-tax net operating income | $2,927,000 | 2,112 |
| Securities gains (losses) | $128,000 | 1,018 |
| Applicable income taxes | $955,000 | 1,850 |
| Income before extraordinary items | $2,100,000 | 2,219 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,100,000 | 2,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,285 |
| Cash dividends | $2,424,000 | 826 |
| Sale, conversion, retirement of capital stock, net | $305,000 | 397 |
| Net operating income | $2,011,680 | 2,253 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,202,000 | 4,053 |
| Total interest expense | $570,000 | 5,261 |
| Net interest income | $2,632,000 | 3,630 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $2,029,000 | 1,271 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $414,000 | 2,090 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,615,000 | 937 |
| Total noninterest expense | $2,849,000 | 2,750 |
| Salaries and employee benefits | $1,505,000 | 2,822 |
| Premises and equipment expense | $405,000 | 2,758 |
| Additional noninterest expense | $939,000 | 2,529 |
| Pre-tax net operating income | $1,782,000 | 2,250 |
| Securities gains (losses) | $124,000 | 905 |
| Applicable income taxes | $573,000 | 2,007 |
| Income before extraordinary items | $1,333,000 | 2,302 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,333,000 | 2,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,807 |
| Cash dividends | $2,243,000 | 632 |
| Sale, conversion, retirement of capital stock, net | $229,000 | 328 |
| Net operating income | $1,246,200 | 2,372 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,584,000 | 4,104 |
| Total interest expense | $294,000 | 5,229 |
| Net interest income | $1,290,000 | 3,674 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $927,000 | 1,334 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $201,000 | 2,074 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $726,000 | 993 |
| Total noninterest expense | $1,337,000 | 2,911 |
| Salaries and employee benefits | $718,000 | 2,958 |
| Premises and equipment expense | $198,000 | 2,838 |
| Additional noninterest expense | $421,000 | 2,771 |
| Pre-tax net operating income | $865,000 | 2,279 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $256,000 | 2,162 |
| Income before extraordinary items | $609,000 | 2,460 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $609,000 | 2,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $2,063,000 | 362 |
| Sale, conversion, retirement of capital stock, net | $229,000 | 191 |
| Net operating income | $609,000 | 2,380 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,114,000 | 4,255 |
| Total interest expense | $1,349,000 | 5,216 |
| Net interest income | $4,765,000 | 3,824 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $3,204,000 | 1,598 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $853,000 | 2,009 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,351,000 | 1,294 |
| Total noninterest expense | $5,258,000 | 2,937 |
| Salaries and employee benefits | $2,759,000 | 2,989 |
| Premises and equipment expense | $825,000 | 2,679 |
| Additional noninterest expense | $1,674,000 | 2,788 |
| Pre-tax net operating income | $2,711,000 | 2,714 |
| Securities gains (losses) | $66,000 | 2,265 |
| Applicable income taxes | $782,000 | 2,578 |
| Income before extraordinary items | $1,995,000 | 2,878 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,995,000 | 2,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,397 |
| Cash dividends | $672,000 | 3,005 |
| Sale, conversion, retirement of capital stock, net | $351,000 | 531 |
| Net operating income | $1,947,480 | 2,798 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,578,000 | 4,314 |
| Total interest expense | $1,033,000 | 5,280 |
| Net interest income | $3,545,000 | 3,867 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $2,410,000 | 1,637 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $644,000 | 2,008 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,766,000 | 1,356 |
| Total noninterest expense | $3,909,000 | 2,950 |
| Salaries and employee benefits | $2,026,000 | 3,058 |
| Premises and equipment expense | $611,000 | 2,731 |
| Additional noninterest expense | $1,272,000 | 2,744 |
| Pre-tax net operating income | $2,016,000 | 2,833 |
| Securities gains (losses) | $65,000 | 2,100 |
| Applicable income taxes | $586,000 | 2,716 |
| Income before extraordinary items | $1,495,000 | 2,970 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,495,000 | 2,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,747 |
| Cash dividends | $502,000 | 2,663 |
| Sale, conversion, retirement of capital stock, net | $298,000 | 414 |
| Net operating income | $1,448,200 | 2,891 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,112,000 | 4,291 |
| Total interest expense | $708,000 | 5,301 |
| Net interest income | $2,404,000 | 3,824 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $1,895,000 | 1,417 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $422,000 | 1,993 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,473,000 | 1,151 |
| Total noninterest expense | $2,641,000 | 2,923 |
| Salaries and employee benefits | $1,372,000 | 3,020 |
| Premises and equipment expense | $402,000 | 2,751 |
| Additional noninterest expense | $867,000 | 2,692 |
| Pre-tax net operating income | $1,628,000 | 2,432 |
| Securities gains (losses) | $63,000 | 1,860 |
| Applicable income taxes | $534,000 | 2,233 |
| Income before extraordinary items | $1,157,000 | 2,663 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,157,000 | 2,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $333,000 | 2,727 |
| Sale, conversion, retirement of capital stock, net | $298,000 | 297 |
| Net operating income | $1,114,160 | 2,583 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,537,000 | 4,352 |
| Total interest expense | $365,000 | 5,315 |
| Net interest income | $1,172,000 | 3,898 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $950,000 | 1,386 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $208,000 | 1,956 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $742,000 | 1,117 |
| Total noninterest expense | $1,333,000 | 2,875 |
| Salaries and employee benefits | $692,000 | 2,987 |
| Premises and equipment expense | $203,000 | 2,727 |
| Additional noninterest expense | $438,000 | 2,633 |
| Pre-tax net operating income | $774,000 | 2,536 |
| Securities gains (losses) | $64,000 | 1,248 |
| Applicable income taxes | $267,000 | 2,219 |
| Income before extraordinary items | $571,000 | 2,658 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $571,000 | 2,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $165,000 | 2,430 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 332 |
| Net operating income | $527,480 | 2,690 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,916,000 | 4,090 |
| Total interest expense | $1,743,000 | 5,238 |
| Net interest income | $5,173,000 | 3,563 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $2,219,000 | 1,958 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $882,000 | 1,822 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,337,000 | 1,807 |
| Total noninterest expense | $5,137,000 | 2,860 |
| Salaries and employee benefits | $2,618,000 | 2,998 |
| Premises and equipment expense | $843,000 | 2,556 |
| Additional noninterest expense | $1,676,000 | 2,695 |
| Pre-tax net operating income | $2,255,000 | 3,126 |
| Securities gains (losses) | $24,000 | 3,010 |
| Applicable income taxes | $621,000 | 3,062 |
| Income before extraordinary items | $1,658,000 | 3,245 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,658,000 | 3,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,875 |
| Cash dividends | $630,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $191,000 | 573 |
| Net operating income | $1,640,480 | 3,171 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,371,000 | 4,282 |
| Total interest expense | $2,689,000 | 5,139 |
| Net interest income | $4,682,000 | 3,625 |
| Provision for loan and lease losses | $45,000 | 6,815 |
| Total noninterest income | $1,498,000 | 2,510 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $842,000 | 1,809 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $656,000 | 2,677 |
| Total noninterest expense | $4,516,000 | 3,084 |
| Salaries and employee benefits | $2,327,000 | 3,148 |
| Premises and equipment expense | $814,000 | 2,583 |
| Additional noninterest expense | $1,375,000 | 3,103 |
| Pre-tax net operating income | $1,619,000 | 3,676 |
| Securities gains (losses) | $147,000 | 1,423 |
| Applicable income taxes | $485,000 | 3,373 |
| Income before extraordinary items | $1,281,000 | 3,624 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,281,000 | 3,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $593,000 | 3,191 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 643 |
| Net operating income | $1,173,690 | 3,740 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,353,000 | 4,405 |
| Total interest expense | $2,655,000 | 5,350 |
| Net interest income | $4,698,000 | 3,663 |
| Provision for loan and lease losses | $90,000 | 5,514 |
| Total noninterest income | $1,628,000 | 2,207 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $835,000 | 1,659 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $793,000 | 2,162 |
| Total noninterest expense | $4,405,000 | 3,054 |
| Salaries and employee benefits | $2,206,000 | 3,177 |
| Premises and equipment expense | $797,000 | 2,575 |
| Additional noninterest expense | $1,402,000 | 2,981 |
| Pre-tax net operating income | $1,831,000 | 3,532 |
| Securities gains (losses) | $-40,000 | 9,095 |
| Applicable income taxes | $540,000 | 3,317 |
| Income before extraordinary items | $1,251,000 | 3,751 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,251,000 | 3,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,268 |
| Cash dividends | $562,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $-888,000 | 9,850 |
| Net operating income | $1,279,000 | 3,675 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,534,000 | 4,658 |
| Total interest expense | $2,341,000 | 5,431 |
| Net interest income | $4,193,000 | 4,010 |
| Provision for loan and lease losses | $40,000 | 6,849 |
| Total noninterest income | $1,615,000 | 2,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $881,000 | 1,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $734,000 | 2,295 |
| Total noninterest expense | $4,189,000 | 3,183 |
| Salaries and employee benefits | $2,123,000 | 3,246 |
| Premises and equipment expense | $771,000 | 2,632 |
| Additional noninterest expense | $1,295,000 | 3,221 |
| Pre-tax net operating income | $1,579,000 | 3,956 |
| Securities gains (losses) | $-66,000 | 9,862 |
| Applicable income taxes | $452,000 | 3,857 |
| Income before extraordinary items | $1,061,000 | 4,244 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,061,000 | 4,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $565,000 | 3,270 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 775 |
| Net operating income | $1,107,200 | 4,080 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,244,000 | 4,856 |
| Total interest expense | $2,410,000 | 5,505 |
| Net interest income | $3,834,000 | 4,270 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $1,394,000 | 2,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $702,000 | 1,817 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $692,000 | 2,412 |
| Total noninterest expense | $4,200,000 | 3,091 |
| Salaries and employee benefits | $2,077,000 | 3,215 |
| Premises and equipment expense | $808,000 | 2,428 |
| Additional noninterest expense | $1,315,000 | 3,105 |
| Pre-tax net operating income | $988,000 | 5,447 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $292,000 | 5,241 |
| Income before extraordinary items | $708,000 | 5,583 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $708,000 | 5,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $7,000 | 7,403 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 954 |
| Net operating income | $699,480 | 5,507 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,746,000 | 5,228 |
| Total interest expense | $2,056,000 | 6,159 |
| Net interest income | $3,690,000 | 4,536 |
| Provision for loan and lease losses | $80,000 | 5,644 |
| Total noninterest income | $1,132,000 | 2,761 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $671,000 | 1,947 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $461,000 | 2,990 |
| Total noninterest expense | $3,943,000 | 3,216 |
| Salaries and employee benefits | $1,907,000 | 3,451 |
| Premises and equipment expense | $713,000 | 2,690 |
| Additional noninterest expense | $1,323,000 | 3,064 |
| Pre-tax net operating income | $799,000 | 6,550 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $205,000 | 6,812 |
| Income before extraordinary items | $617,000 | 6,267 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $617,000 | 6,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $6,000 | 7,796 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 919 |
| Net operating income | $599,750 | 6,320 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,368,000 | 5,628 |
| Total interest expense | $1,869,000 | 6,683 |
| Net interest income | $3,499,000 | 4,827 |
| Provision for loan and lease losses | $80,000 | 5,594 |
| Total noninterest income | $1,048,000 | 3,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $652,000 | 2,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $396,000 | 3,423 |
| Total noninterest expense | $3,598,000 | 3,689 |
| Salaries and employee benefits | $1,743,000 | 3,778 |
| Premises and equipment expense | $682,000 | 2,871 |
| Additional noninterest expense | $1,173,000 | 3,851 |
| Pre-tax net operating income | $869,000 | 6,208 |
| Securities gains (losses) | $68,000 | 1,155 |
| Applicable income taxes | $255,000 | 6,386 |
| Income before extraordinary items | $682,000 | 5,838 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $682,000 | 5,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,120 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 734 |
| Net operating income | $632,360 | 6,026 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,850,000 | 6,126 |
| Total interest expense | $1,687,000 | 7,165 |
| Net interest income | $3,163,000 | 5,271 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $1,033,000 | 3,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $596,000 | 2,280 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $437,000 | 3,141 |
| Total noninterest expense | $3,618,000 | 3,625 |
| Salaries and employee benefits | $1,676,000 | 3,869 |
| Premises and equipment expense | $738,000 | 2,676 |
| Additional noninterest expense | $1,204,000 | 3,727 |
| Pre-tax net operating income | $498,000 | 8,450 |
| Securities gains (losses) | $-16,000 | 10,415 |
| Applicable income taxes | $75,000 | 9,683 |
| Income before extraordinary items | $407,000 | 7,996 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $407,000 | 7,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,002 |
| Cash dividends | $3,000 | 8,676 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 656 |
| Net operating income | $420,440 | 7,854 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,376,000 | 6,280 |
| Total interest expense | $1,356,000 | 7,370 |
| Net interest income | $3,020,000 | 5,589 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $1,238,000 | 2,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,242 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $630,000 | 2,498 |
| Total noninterest expense | $4,049,000 | 3,394 |
| Salaries and employee benefits | $1,768,000 | 3,681 |
| Premises and equipment expense | $563,000 | 3,455 |
| Additional noninterest expense | $1,718,000 | 2,940 |
| Pre-tax net operating income | $179,000 | 11,065 |
| Securities gains (losses) | $41,000 | 1,276 |
| Applicable income taxes | $-25,000 | 12,144 |
| Income before extraordinary items | $245,000 | 9,752 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $245,000 | 9,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,022 |
| Net operating income | $204,000 | 10,274 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,055,000 | 5,724 |
| Total interest expense | $1,770,000 | 6,425 |
| Net interest income | $3,285,000 | 5,232 |
| Provision for loan and lease losses | $6,000 | 10,012 |
| Total noninterest income | $1,582,000 | 2,342 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $705,000 | 1,932 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $877,000 | 2,242 |
| Total noninterest expense | $3,969,000 | 3,516 |
| Salaries and employee benefits | $2,094,000 | 3,132 |
| Premises and equipment expense | $646,000 | 3,102 |
| Additional noninterest expense | $1,229,000 | 4,109 |
| Pre-tax net operating income | $892,000 | 6,376 |
| Securities gains (losses) | $270,000 | 1,396 |
| Applicable income taxes | $385,000 | 5,144 |
| Income before extraordinary items | $777,000 | 5,689 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $777,000 | 5,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 8,052 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 982 |
| Net operating income | $596,100 | 6,566 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,873,000 | 5,587 |
| Total interest expense | $2,360,000 | 6,267 |
| Net interest income | $3,513,000 | 4,994 |
| Provision for loan and lease losses | $75,000 | 8,067 |
| Total noninterest income | $1,876,000 | 2,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $762,000 | 1,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,114,000 | 1,855 |
| Total noninterest expense | $4,026,000 | 3,486 |
| Salaries and employee benefits | $2,138,000 | 3,018 |
| Premises and equipment expense | $656,000 | 3,099 |
| Additional noninterest expense | $1,232,000 | 4,248 |
| Pre-tax net operating income | $1,288,000 | 4,641 |
| Securities gains (losses) | $64,000 | 3,722 |
| Applicable income taxes | $478,000 | 4,139 |
| Income before extraordinary items | $874,000 | 5,028 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $874,000 | 5,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 6,045 |
| Cash dividends | $3,000 | 8,860 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 887 |
| Net operating income | $832,400 | 4,901 |
* 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.