Home > Cornerstone Bank > Income and Expense
Cornerstone Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,546,000 | 2,607 |
| Total interest expense | $2,657,000 | 3,661 |
| Net interest income | $9,889,000 | 2,238 |
| Provision for loan and lease losses | $202,000 | 3,567 |
| Total noninterest income | $1,430,000 | 2,775 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $420,000 | 3,452 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,010,000 | 2,202 |
| Total noninterest expense | $12,131,000 | 1,414 |
| Salaries and employee benefits | $8,705,000 | 1,062 |
| Premises and equipment expense | $1,423,000 | 1,717 |
| Additional noninterest expense | $2,003,000 | 2,491 |
| Pre-tax net operating income | $-1,014,000 | 8,641 |
| Securities gains (losses) | $-90,000 | 8,391 |
| Applicable income taxes | $-554,000 | 8,777 |
| Income before extraordinary items | $-550,000 | 8,561 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-550,000 | 8,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,327 |
| Cash dividends | $3,500,000 | 916 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-492,400 | 8,525 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,387,000 | 2,565 |
| Total interest expense | $1,924,000 | 3,615 |
| Net interest income | $7,463,000 | 2,204 |
| Provision for loan and lease losses | $137,000 | 3,618 |
| Total noninterest income | $1,152,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $323,000 | 3,392 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $829,000 | 2,070 |
| Total noninterest expense | $5,904,000 | 2,093 |
| Salaries and employee benefits | $3,421,000 | 1,992 |
| Premises and equipment expense | $1,053,000 | 1,731 |
| Additional noninterest expense | $1,430,000 | 2,573 |
| Pre-tax net operating income | $2,574,000 | 2,514 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $960,000 | 1,937 |
| Income before extraordinary items | $1,614,000 | 2,953 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,614,000 | 2,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 2,444 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,614,000 | 2,910 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,203,000 | 2,533 |
| Total interest expense | $1,250,000 | 3,521 |
| Net interest income | $4,953,000 | 2,185 |
| Provision for loan and lease losses | $102,000 | 3,319 |
| Total noninterest income | $711,000 | 2,738 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $221,000 | 3,281 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $490,000 | 2,217 |
| Total noninterest expense | $3,882,000 | 2,109 |
| Salaries and employee benefits | $2,245,000 | 2,014 |
| Premises and equipment expense | $712,000 | 1,686 |
| Additional noninterest expense | $925,000 | 2,632 |
| Pre-tax net operating income | $1,680,000 | 2,506 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $748,000 | 1,707 |
| Income before extraordinary items | $932,000 | 3,266 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $932,000 | 3,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,718 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $932,000 | 3,219 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 2,527 |
| Total interest expense | $597,000 | 3,514 |
| Net interest income | $2,460,000 | 2,180 |
| Provision for loan and lease losses | $54,000 | 3,086 |
| Total noninterest income | $273,000 | 3,267 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $112,000 | 3,197 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $161,000 | 2,845 |
| Total noninterest expense | $1,947,000 | 2,120 |
| Salaries and employee benefits | $1,127,000 | 2,025 |
| Premises and equipment expense | $338,000 | 1,781 |
| Additional noninterest expense | $482,000 | 2,530 |
| Pre-tax net operating income | $732,000 | 2,759 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $288,000 | 2,038 |
| Income before extraordinary items | $444,000 | 3,346 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $444,000 | 3,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,152 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $444,000 | 3,311 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,366,000 | 2,518 |
| Total interest expense | $2,337,000 | 3,219 |
| Net interest income | $9,029,000 | 2,264 |
| Provision for loan and lease losses | $-434,000 | 8,896 |
| Total noninterest income | $2,413,000 | 1,922 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $515,000 | 3,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,898,000 | 1,375 |
| Total noninterest expense | $7,790,000 | 2,049 |
| Salaries and employee benefits | $4,643,000 | 1,882 |
| Premises and equipment expense | $1,287,000 | 1,793 |
| Additional noninterest expense | $1,860,000 | 2,584 |
| Pre-tax net operating income | $4,086,000 | 2,031 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,315,000 | 1,780 |
| Income before extraordinary items | $2,771,000 | 2,220 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,771,000 | 2,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-263,000 | 8,900 |
| Cash dividends | $700,000 | 2,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,771,000 | 2,172 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,367,000 | 2,525 |
| Total interest expense | $1,783,000 | 3,131 |
| Net interest income | $6,584,000 | 2,294 |
| Provision for loan and lease losses | $-529,000 | 8,973 |
| Total noninterest income | $1,972,000 | 1,801 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $383,000 | 3,112 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,589,000 | 1,277 |
| Total noninterest expense | $5,751,000 | 2,083 |
| Salaries and employee benefits | $3,363,000 | 1,940 |
| Premises and equipment expense | $958,000 | 1,806 |
| Additional noninterest expense | $1,430,000 | 2,494 |
| Pre-tax net operating income | $3,334,000 | 1,882 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,112,000 | 1,633 |
| Income before extraordinary items | $2,222,000 | 2,105 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,222,000 | 2,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-393,000 | 8,964 |
| Cash dividends | $500,000 | 2,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,222,000 | 2,053 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,515,000 | 2,531 |
| Total interest expense | $1,223,000 | 3,036 |
| Net interest income | $4,292,000 | 2,324 |
| Provision for loan and lease losses | $-550,000 | 9,037 |
| Total noninterest income | $1,367,000 | 1,722 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $252,000 | 3,129 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,115,000 | 1,226 |
| Total noninterest expense | $3,874,000 | 2,054 |
| Salaries and employee benefits | $2,304,000 | 1,884 |
| Premises and equipment expense | $643,000 | 1,793 |
| Additional noninterest expense | $927,000 | 2,558 |
| Pre-tax net operating income | $2,335,000 | 1,798 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $712,000 | 1,684 |
| Income before extraordinary items | $1,623,000 | 1,929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,623,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-466,000 | 9,044 |
| Cash dividends | $350,000 | 2,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,623,000 | 1,876 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,796,000 | 2,502 |
| Total interest expense | $648,000 | 2,938 |
| Net interest income | $2,148,000 | 2,320 |
| Provision for loan and lease losses | $-511,000 | 9,079 |
| Total noninterest income | $943,000 | 1,307 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $111,000 | 3,331 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $832,000 | 898 |
| Total noninterest expense | $2,076,000 | 1,931 |
| Salaries and employee benefits | $1,280,000 | 1,734 |
| Premises and equipment expense | $331,000 | 1,766 |
| Additional noninterest expense | $465,000 | 2,529 |
| Pre-tax net operating income | $1,526,000 | 1,372 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $404,000 | 1,533 |
| Income before extraordinary items | $1,122,000 | 1,430 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,122,000 | 1,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-463,000 | 9,091 |
| Cash dividends | $200,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,122,000 | 1,355 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,972,000 | 2,585 |
| Total interest expense | $3,016,000 | 2,850 |
| Net interest income | $7,956,000 | 2,440 |
| Provision for loan and lease losses | $96,000 | 5,391 |
| Total noninterest income | $2,389,000 | 2,033 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $502,000 | 3,078 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,887,000 | 1,530 |
| Total noninterest expense | $7,262,000 | 2,172 |
| Salaries and employee benefits | $4,162,000 | 2,039 |
| Premises and equipment expense | $1,213,000 | 1,885 |
| Additional noninterest expense | $1,887,000 | 2,534 |
| Pre-tax net operating income | $2,987,000 | 2,518 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,150,000 | 1,988 |
| Income before extraordinary items | $1,837,000 | 3,055 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,837,000 | 3,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,966 |
| Cash dividends | $612,000 | 3,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,837,000 | 2,921 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,340,000 | 2,596 |
| Total interest expense | $2,302,000 | 2,904 |
| Net interest income | $6,038,000 | 2,431 |
| Provision for loan and lease losses | $176,000 | 3,636 |
| Total noninterest income | $1,902,000 | 1,982 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $385,000 | 3,036 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,517,000 | 1,524 |
| Total noninterest expense | $5,413,000 | 2,176 |
| Salaries and employee benefits | $3,056,000 | 2,090 |
| Premises and equipment expense | $890,000 | 1,925 |
| Additional noninterest expense | $1,467,000 | 2,442 |
| Pre-tax net operating income | $2,351,000 | 2,504 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $905,000 | 2,013 |
| Income before extraordinary items | $1,446,000 | 3,044 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,446,000 | 3,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,711 |
| Cash dividends | $437,000 | 2,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,446,000 | 2,896 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,650,000 | 2,583 |
| Total interest expense | $1,537,000 | 2,975 |
| Net interest income | $4,113,000 | 2,358 |
| Provision for loan and lease losses | $175,000 | 2,769 |
| Total noninterest income | $1,208,000 | 2,049 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $259,000 | 2,981 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $949,000 | 1,574 |
| Total noninterest expense | $3,618,000 | 2,168 |
| Salaries and employee benefits | $2,018,000 | 2,108 |
| Premises and equipment expense | $623,000 | 1,831 |
| Additional noninterest expense | $977,000 | 2,413 |
| Pre-tax net operating income | $1,528,000 | 2,545 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $581,000 | 2,099 |
| Income before extraordinary items | $947,000 | 3,090 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $947,000 | 3,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,683 |
| Cash dividends | $137,000 | 3,965 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $947,000 | 2,927 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,826,000 | 2,602 |
| Total interest expense | $762,000 | 3,073 |
| Net interest income | $2,064,000 | 2,353 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $613,000 | 1,967 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $132,000 | 2,861 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $481,000 | 1,522 |
| Total noninterest expense | $1,835,000 | 2,135 |
| Salaries and employee benefits | $1,047,000 | 2,023 |
| Premises and equipment expense | $308,000 | 1,854 |
| Additional noninterest expense | $480,000 | 2,418 |
| Pre-tax net operating income | $737,000 | 2,635 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $277,000 | 2,157 |
| Income before extraordinary items | $460,000 | 3,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $460,000 | 3,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $460,000 | 2,972 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,738,000 | 2,607 |
| Total interest expense | $3,091,000 | 3,463 |
| Net interest income | $8,647,000 | 2,237 |
| Provision for loan and lease losses | $363,000 | 3,044 |
| Total noninterest income | $1,858,000 | 2,269 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $578,000 | 2,637 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,280,000 | 1,857 |
| Total noninterest expense | $6,889,000 | 2,178 |
| Salaries and employee benefits | $3,831,000 | 2,079 |
| Premises and equipment expense | $1,237,000 | 1,792 |
| Additional noninterest expense | $1,821,000 | 2,522 |
| Pre-tax net operating income | $3,253,000 | 2,339 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,236,000 | 1,908 |
| Income before extraordinary items | $2,017,000 | 2,781 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,017,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,998 |
| Cash dividends | $700,000 | 2,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,017,000 | 2,685 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,855,000 | 2,868 |
| Total interest expense | $3,833,000 | 3,936 |
| Net interest income | $8,022,000 | 2,237 |
| Provision for loan and lease losses | $84,000 | 5,921 |
| Total noninterest income | $769,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $575,000 | 2,516 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $194,000 | 4,999 |
| Total noninterest expense | $5,977,000 | 2,385 |
| Salaries and employee benefits | $3,120,000 | 2,409 |
| Premises and equipment expense | $1,068,000 | 2,000 |
| Additional noninterest expense | $1,789,000 | 2,491 |
| Pre-tax net operating income | $2,730,000 | 2,477 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,072,000 | 1,973 |
| Income before extraordinary items | $1,658,000 | 2,993 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,658,000 | 2,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-168,000 | 9,547 |
| Cash dividends | $515,000 | 3,393 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,658,000 | 2,889 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,465,000 | 3,008 |
| Total interest expense | $3,618,000 | 4,290 |
| Net interest income | $7,847,000 | 2,266 |
| Provision for loan and lease losses | $384,000 | 2,351 |
| Total noninterest income | $690,000 | 4,037 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $472,000 | 2,839 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $218,000 | 4,596 |
| Total noninterest expense | $4,954,000 | 2,747 |
| Salaries and employee benefits | $2,600,000 | 2,736 |
| Premises and equipment expense | $1,005,000 | 2,051 |
| Additional noninterest expense | $1,349,000 | 3,076 |
| Pre-tax net operating income | $3,199,000 | 2,257 |
| Securities gains (losses) | $-136,000 | 9,497 |
| Applicable income taxes | $1,211,000 | 1,811 |
| Income before extraordinary items | $1,852,000 | 2,744 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,852,000 | 2,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,418 |
| Cash dividends | $1,185,000 | 2,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,939,040 | 2,636 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,997,000 | 3,222 |
| Total interest expense | $3,502,000 | 4,042 |
| Net interest income | $6,495,000 | 2,711 |
| Provision for loan and lease losses | $-80,000 | 10,084 |
| Total noninterest income | $651,000 | 4,189 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $468,000 | 2,791 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $183,000 | 5,146 |
| Total noninterest expense | $4,608,000 | 2,925 |
| Salaries and employee benefits | $2,319,000 | 3,012 |
| Premises and equipment expense | $997,000 | 2,053 |
| Additional noninterest expense | $1,292,000 | 3,232 |
| Pre-tax net operating income | $2,618,000 | 2,700 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,058,000 | 2,128 |
| Income before extraordinary items | $1,560,000 | 3,145 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,560,000 | 3,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,737 |
| Cash dividends | $622,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 828 |
| Net operating income | $1,560,000 | 3,114 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,662,000 | 3,028 |
| Total interest expense | $3,673,000 | 3,960 |
| Net interest income | $6,989,000 | 2,427 |
| Provision for loan and lease losses | $272,000 | 2,839 |
| Total noninterest income | $575,000 | 4,515 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $403,000 | 3,118 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $172,000 | 5,341 |
| Total noninterest expense | $4,113,000 | 3,140 |
| Salaries and employee benefits | $2,001,000 | 3,334 |
| Premises and equipment expense | $877,000 | 2,224 |
| Additional noninterest expense | $1,235,000 | 3,287 |
| Pre-tax net operating income | $3,179,000 | 2,248 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,305,000 | 1,842 |
| Income before extraordinary items | $1,874,000 | 2,711 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,874,000 | 2,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,338 |
| Cash dividends | $357,000 | 4,217 |
| Sale, conversion, retirement of capital stock, net | $117,000 | 745 |
| Net operating income | $1,874,000 | 2,636 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,381,000 | 3,447 |
| Total interest expense | $3,460,000 | 4,174 |
| Net interest income | $5,921,000 | 2,942 |
| Provision for loan and lease losses | $116,000 | 4,876 |
| Total noninterest income | $494,000 | 5,037 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $357,000 | 3,550 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $137,000 | 5,936 |
| Total noninterest expense | $3,828,000 | 3,303 |
| Salaries and employee benefits | $1,856,000 | 3,533 |
| Premises and equipment expense | $824,000 | 2,352 |
| Additional noninterest expense | $1,148,000 | 3,473 |
| Pre-tax net operating income | $2,471,000 | 2,944 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,046,000 | 2,344 |
| Income before extraordinary items | $1,425,000 | 3,504 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,425,000 | 3,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,229 |
| Cash dividends | $299,000 | 4,634 |
| Sale, conversion, retirement of capital stock, net | $213,000 | 671 |
| Net operating income | $1,425,000 | 3,432 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,535,000 | 3,798 |
| Total interest expense | $3,174,000 | 4,546 |
| Net interest income | $5,361,000 | 3,304 |
| Provision for loan and lease losses | $414,000 | 2,036 |
| Total noninterest income | $523,000 | 5,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,586 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $154,000 | 5,900 |
| Total noninterest expense | $3,317,000 | 3,980 |
| Salaries and employee benefits | $1,560,000 | 4,168 |
| Premises and equipment expense | $698,000 | 2,802 |
| Additional noninterest expense | $1,059,000 | 4,198 |
| Pre-tax net operating income | $2,153,000 | 3,217 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $901,000 | 2,577 |
| Income before extraordinary items | $1,252,000 | 3,735 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,252,000 | 3,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,326 |
| Cash dividends | $202,000 | 5,374 |
| Sale, conversion, retirement of capital stock, net | $1,743,000 | 318 |
| Net operating income | $1,252,000 | 3,682 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,253,000 | 4,422 |
| Total interest expense | $2,522,000 | 5,525 |
| Net interest income | $4,731,000 | 3,711 |
| Provision for loan and lease losses | $206,000 | 2,940 |
| Total noninterest income | $418,000 | 5,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 3,995 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,528 |
| Total noninterest expense | $3,070,000 | 4,200 |
| Salaries and employee benefits | $1,504,000 | 4,270 |
| Premises and equipment expense | $581,000 | 3,293 |
| Additional noninterest expense | $985,000 | 4,409 |
| Pre-tax net operating income | $1,873,000 | 3,707 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $812,000 | 2,840 |
| Income before extraordinary items | $1,061,000 | 4,369 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,061,000 | 4,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $159,000 | 5,970 |
| Sale, conversion, retirement of capital stock, net | $-113,000 | 10,471 |
| Net operating income | $1,061,000 | 4,369 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,922,000 | 4,920 |
| Total interest expense | $1,956,000 | 5,708 |
| Net interest income | $3,966,000 | 4,420 |
| Provision for loan and lease losses | $91,000 | 4,757 |
| Total noninterest income | $368,000 | 6,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,630 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 7,880 |
| Total noninterest expense | $2,789,000 | 4,701 |
| Salaries and employee benefits | $1,329,000 | 4,785 |
| Premises and equipment expense | $473,000 | 3,984 |
| Additional noninterest expense | $987,000 | 4,756 |
| Pre-tax net operating income | $1,454,000 | 4,524 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $463,000 | 4,295 |
| Income before extraordinary items | $991,000 | 4,580 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $991,000 | 4,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,590 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,713,000 | 331 |
| Net operating income | $991,000 | 4,617 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,220,000 | 5,567 |
| Total interest expense | $1,998,000 | 5,840 |
| Net interest income | $3,222,000 | 5,316 |
| Provision for loan and lease losses | $97,000 | 5,852 |
| Total noninterest income | $276,000 | 7,987 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 5,687 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 9,494 |
| Total noninterest expense | $2,420,000 | 5,409 |
| Salaries and employee benefits | $1,111,000 | 5,590 |
| Premises and equipment expense | $408,000 | 4,640 |
| Additional noninterest expense | $901,000 | 5,359 |
| Pre-tax net operating income | $981,000 | 5,963 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $362,000 | 5,368 |
| Income before extraordinary items | $619,000 | 6,642 |
| Extraordinary gains, net | $203,000 | 1,003 |
| Net income | $822,000 | 5,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 4,760 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $619,000 | 6,393 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,031,000 | 6,355 |
| Total interest expense | $2,325,000 | 6,347 |
| Net interest income | $2,706,000 | 6,202 |
| Provision for loan and lease losses | $123,000 | 6,648 |
| Total noninterest income | $242,000 | 8,633 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 9,388 |
| Total noninterest expense | $2,222,000 | 5,870 |
| Salaries and employee benefits | $928,000 | 6,465 |
| Premises and equipment expense | $416,000 | 4,661 |
| Additional noninterest expense | $878,000 | 5,639 |
| Pre-tax net operating income | $603,000 | 7,693 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $275,000 | 6,284 |
| Income before extraordinary items | $328,000 | 8,951 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $328,000 | 9,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 2,998 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 1,110 |
| Net operating income | $328,000 | 8,603 |
* 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.