Home > South Texas National Bank of Laredo > Income and Expense
South Texas National Bank of Laredo, Income and Expense
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,353,000 | 1,709 |
| Total interest expense | $4,249,000 | 1,878 |
| Net interest income | $10,104,000 | 1,612 |
| Provision for loan and lease losses | $381,000 | 1,784 |
| Total noninterest income | $2,478,000 | 1,492 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,779,000 | 726 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $699,000 | 2,320 |
| Total noninterest expense | $7,124,000 | 1,767 |
| Salaries and employee benefits | $3,748,000 | 1,849 |
| Premises and equipment expense | $1,143,000 | 1,583 |
| Additional noninterest expense | $2,233,000 | 1,679 |
| Pre-tax net operating income | $5,077,000 | 1,409 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,706,000 | 1,241 |
| Income before extraordinary items | $3,371,000 | 1,565 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,371,000 | 1,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $436,000 | 927 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $-3,000 | 8,776 |
| Net operating income | $3,371,000 | 1,536 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,734,000 | 2,699 |
| Total interest expense | $1,612,000 | 2,885 |
| Net interest income | $4,122,000 | 2,581 |
| Provision for loan and lease losses | $156,000 | 2,564 |
| Total noninterest income | $999,000 | 2,175 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $714,000 | 1,196 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $285,000 | 3,162 |
| Total noninterest expense | $2,952,000 | 2,738 |
| Salaries and employee benefits | $1,542,000 | 2,851 |
| Premises and equipment expense | $465,000 | 2,491 |
| Additional noninterest expense | $945,000 | 2,577 |
| Pre-tax net operating income | $2,013,000 | 2,174 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $675,000 | 1,833 |
| Income before extraordinary items | $1,338,000 | 2,421 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,338,000 | 2,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,005 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,802 |
| Net operating income | $1,338,000 | 2,390 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,568,000 | 1,009 |
| Total interest expense | $2,061,000 | 1,147 |
| Net interest income | $5,507,000 | 944 |
| Provision for loan and lease losses | $225,000 | 1,003 |
| Total noninterest income | $1,653,000 | 840 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $988,000 | 406 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $665,000 | 1,083 |
| Total noninterest expense | $4,666,000 | 889 |
| Salaries and employee benefits | $2,297,000 | 972 |
| Premises and equipment expense | $672,000 | 876 |
| Additional noninterest expense | $1,697,000 | 750 |
| Pre-tax net operating income | $2,269,000 | 1,027 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $754,000 | 946 |
| Income before extraordinary items | $1,515,000 | 1,143 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,515,000 | 1,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 1,087 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,515,000 | 1,117 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $29,196,000 | 969 |
| Total interest expense | $6,793,000 | 1,207 |
| Net interest income | $22,403,000 | 878 |
| Provision for loan and lease losses | $1,000,000 | 1,033 |
| Total noninterest income | $6,035,000 | 904 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,093,000 | 434 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,942,000 | 1,346 |
| Total noninterest expense | $17,069,000 | 951 |
| Salaries and employee benefits | $8,327,000 | 1,038 |
| Premises and equipment expense | $2,563,000 | 870 |
| Additional noninterest expense | $6,179,000 | 816 |
| Pre-tax net operating income | $10,369,000 | 848 |
| Securities gains (losses) | $50,000 | 1,738 |
| Applicable income taxes | $3,412,000 | 815 |
| Income before extraordinary items | $7,007,000 | 943 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,007,000 | 944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $480,000 | 1,387 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,973,500 | 901 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $21,714,000 | 965 |
| Total interest expense | $4,941,000 | 1,218 |
| Net interest income | $16,773,000 | 877 |
| Provision for loan and lease losses | $750,000 | 1,009 |
| Total noninterest income | $4,531,000 | 922 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $3,085,000 | 438 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,446,000 | 1,370 |
| Total noninterest expense | $12,914,000 | 947 |
| Salaries and employee benefits | $6,512,000 | 983 |
| Premises and equipment expense | $1,874,000 | 889 |
| Additional noninterest expense | $4,528,000 | 828 |
| Pre-tax net operating income | $7,640,000 | 873 |
| Securities gains (losses) | $50,000 | 1,653 |
| Applicable income taxes | $2,545,000 | 840 |
| Income before extraordinary items | $5,145,000 | 967 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,145,000 | 968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 1,942 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,111,500 | 939 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,321,000 | 957 |
| Total interest expense | $3,255,000 | 1,215 |
| Net interest income | $11,066,000 | 878 |
| Provision for loan and lease losses | $500,000 | 987 |
| Total noninterest income | $2,950,000 | 941 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $2,007,000 | 437 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $943,000 | 1,383 |
| Total noninterest expense | $8,594,000 | 943 |
| Salaries and employee benefits | $4,309,000 | 993 |
| Premises and equipment expense | $1,235,000 | 908 |
| Additional noninterest expense | $3,050,000 | 809 |
| Pre-tax net operating income | $4,922,000 | 886 |
| Securities gains (losses) | $17,000 | 2,130 |
| Applicable income taxes | $1,635,000 | 859 |
| Income before extraordinary items | $3,304,000 | 990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,304,000 | 991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 1,770 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,292,610 | 954 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $7,377,000 | 937 |
| Total interest expense | $1,606,000 | 1,243 |
| Net interest income | $5,771,000 | 863 |
| Provision for loan and lease losses | $250,000 | 948 |
| Total noninterest income | $1,442,000 | 943 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $994,000 | 433 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $448,000 | 1,398 |
| Total noninterest expense | $4,262,000 | 959 |
| Salaries and employee benefits | $2,119,000 | 1,017 |
| Premises and equipment expense | $600,000 | 968 |
| Additional noninterest expense | $1,543,000 | 795 |
| Pre-tax net operating income | $2,701,000 | 811 |
| Securities gains (losses) | $17,000 | 1,792 |
| Applicable income taxes | $906,000 | 794 |
| Income before extraordinary items | $1,812,000 | 896 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,812,000 | 896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,637 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,800,610 | 859 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $27,416,000 | 1,027 |
| Total interest expense | $6,904,000 | 1,277 |
| Net interest income | $20,512,000 | 935 |
| Provision for loan and lease losses | $1,000,000 | 1,181 |
| Total noninterest income | $5,784,000 | 1,013 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,991,000 | 426 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,793,000 | 1,585 |
| Total noninterest expense | $16,547,000 | 989 |
| Salaries and employee benefits | $8,459,000 | 1,008 |
| Premises and equipment expense | $2,317,000 | 989 |
| Additional noninterest expense | $5,771,000 | 888 |
| Pre-tax net operating income | $8,749,000 | 963 |
| Securities gains (losses) | $462,000 | 795 |
| Applicable income taxes | $3,014,000 | 918 |
| Income before extraordinary items | $6,197,000 | 1,036 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,197,000 | 1,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,630 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 9,048 |
| Net operating income | $5,887,460 | 1,036 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,108,000 | 1,074 |
| Total interest expense | $5,176,000 | 1,343 |
| Net interest income | $14,932,000 | 975 |
| Provision for loan and lease losses | $750,000 | 1,139 |
| Total noninterest income | $4,259,000 | 1,059 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,942,000 | 436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,317,000 | 1,689 |
| Total noninterest expense | $12,180,000 | 1,023 |
| Salaries and employee benefits | $6,338,000 | 1,025 |
| Premises and equipment expense | $1,681,000 | 1,029 |
| Additional noninterest expense | $4,161,000 | 929 |
| Pre-tax net operating income | $6,261,000 | 1,041 |
| Securities gains (losses) | $780,000 | 517 |
| Applicable income taxes | $2,336,000 | 939 |
| Income before extraordinary items | $4,705,000 | 1,071 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,705,000 | 1,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $383,000 | 1,436 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 9,117 |
| Net operating income | $4,182,400 | 1,124 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,714,000 | 1,062 |
| Total interest expense | $3,455,000 | 1,399 |
| Net interest income | $10,259,000 | 947 |
| Provision for loan and lease losses | $500,000 | 1,144 |
| Total noninterest income | $2,674,000 | 1,096 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,834,000 | 467 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $840,000 | 1,719 |
| Total noninterest expense | $7,929,000 | 1,031 |
| Salaries and employee benefits | $4,129,000 | 1,042 |
| Premises and equipment expense | $1,079,000 | 1,069 |
| Additional noninterest expense | $2,721,000 | 931 |
| Pre-tax net operating income | $4,504,000 | 968 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,500,000 | 989 |
| Income before extraordinary items | $3,004,000 | 1,123 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,004,000 | 1,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 1,439 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,004,000 | 1,032 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,558,000 | 1,123 |
| Total interest expense | $1,648,000 | 1,507 |
| Net interest income | $4,910,000 | 984 |
| Provision for loan and lease losses | $250,000 | 1,115 |
| Total noninterest income | $1,212,000 | 1,156 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $804,000 | 523 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $408,000 | 1,713 |
| Total noninterest expense | $3,767,000 | 1,068 |
| Salaries and employee benefits | $1,953,000 | 1,082 |
| Premises and equipment expense | $507,000 | 1,142 |
| Additional noninterest expense | $1,307,000 | 941 |
| Pre-tax net operating income | $2,105,000 | 1,036 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $691,000 | 1,074 |
| Income before extraordinary items | $1,414,000 | 1,176 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,414,000 | 1,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,782 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,414,000 | 1,089 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $27,580,000 | 1,123 |
| Total interest expense | $8,374,000 | 1,348 |
| Net interest income | $19,206,000 | 1,012 |
| Provision for loan and lease losses | $1,000,000 | 1,347 |
| Total noninterest income | $4,653,000 | 1,127 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,271,000 | 500 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,382,000 | 1,758 |
| Total noninterest expense | $14,417,000 | 1,081 |
| Salaries and employee benefits | $7,282,000 | 1,094 |
| Premises and equipment expense | $2,062,000 | 1,071 |
| Additional noninterest expense | $5,073,000 | 984 |
| Pre-tax net operating income | $8,442,000 | 998 |
| Securities gains (losses) | $111,000 | 1,639 |
| Applicable income taxes | $2,752,000 | 1,002 |
| Income before extraordinary items | $5,801,000 | 1,080 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,801,000 | 1,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 2,377 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 853 |
| Net operating income | $5,725,520 | 1,055 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $23,276,000 | 1,463 |
| Total interest expense | $11,120,000 | 1,452 |
| Net interest income | $12,156,000 | 1,461 |
| Provision for loan and lease losses | $356,000 | 2,877 |
| Total noninterest income | $2,857,000 | 1,534 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,224,000 | 669 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $633,000 | 2,739 |
| Total noninterest expense | $8,858,000 | 1,648 |
| Salaries and employee benefits | $4,158,000 | 1,795 |
| Premises and equipment expense | $1,360,000 | 1,582 |
| Additional noninterest expense | $3,340,000 | 1,400 |
| Pre-tax net operating income | $5,799,000 | 1,278 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,004,000 | 1,173 |
| Income before extraordinary items | $3,795,000 | 1,428 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,795,000 | 1,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 2,022 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,795,000 | 1,372 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,132,000 | 1,632 |
| Total interest expense | $10,855,000 | 1,582 |
| Net interest income | $10,277,000 | 1,714 |
| Provision for loan and lease losses | $225,000 | 3,486 |
| Total noninterest income | $2,378,000 | 1,653 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,832,000 | 745 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $546,000 | 2,808 |
| Total noninterest expense | $6,878,000 | 2,011 |
| Salaries and employee benefits | $3,335,000 | 2,142 |
| Premises and equipment expense | $1,027,000 | 2,014 |
| Additional noninterest expense | $2,516,000 | 1,759 |
| Pre-tax net operating income | $5,552,000 | 1,335 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,956,000 | 1,176 |
| Income before extraordinary items | $3,596,000 | 1,476 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,596,000 | 1,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,541 |
| Cash dividends | $3,000,000 | 949 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 934 |
| Net operating income | $3,596,000 | 1,469 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $17,748,000 | 1,828 |
| Total interest expense | $8,508,000 | 1,742 |
| Net interest income | $9,240,000 | 1,899 |
| Provision for loan and lease losses | $232,000 | 3,249 |
| Total noninterest income | $1,885,000 | 1,936 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,483,000 | 892 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $402,000 | 3,402 |
| Total noninterest expense | $5,978,000 | 2,289 |
| Salaries and employee benefits | $2,935,000 | 2,386 |
| Premises and equipment expense | $1,015,000 | 2,026 |
| Additional noninterest expense | $2,028,000 | 2,162 |
| Pre-tax net operating income | $4,915,000 | 1,531 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,732,000 | 1,409 |
| Income before extraordinary items | $3,183,000 | 1,676 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,183,000 | 1,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,341 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 10,039 |
| Net operating income | $3,183,000 | 1,646 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,401,000 | 1,977 |
| Total interest expense | $8,089,000 | 1,886 |
| Net interest income | $8,312,000 | 2,053 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $1,843,000 | 1,957 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,505,000 | 816 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $338,000 | 3,765 |
| Total noninterest expense | $5,397,000 | 2,416 |
| Salaries and employee benefits | $2,697,000 | 2,505 |
| Premises and equipment expense | $901,000 | 2,154 |
| Additional noninterest expense | $1,799,000 | 2,323 |
| Pre-tax net operating income | $4,658,000 | 1,593 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,636,000 | 1,496 |
| Income before extraordinary items | $3,022,000 | 1,737 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,022,000 | 1,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,571 |
| Cash dividends | $4,000,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,022,000 | 1,665 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,725,000 | 2,380 |
| Total interest expense | $6,637,000 | 2,266 |
| Net interest income | $7,088,000 | 2,451 |
| Provision for loan and lease losses | $305,000 | 2,540 |
| Total noninterest income | $1,713,000 | 1,990 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,381,000 | 922 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $332,000 | 3,696 |
| Total noninterest expense | $4,376,000 | 2,900 |
| Salaries and employee benefits | $2,432,000 | 2,721 |
| Premises and equipment expense | $702,000 | 2,725 |
| Additional noninterest expense | $1,242,000 | 3,263 |
| Pre-tax net operating income | $4,120,000 | 1,839 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,437,000 | 1,766 |
| Income before extraordinary items | $2,683,000 | 1,965 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,683,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,386 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,683,000 | 1,910 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,125,000 | 2,732 |
| Total interest expense | $5,839,000 | 2,607 |
| Net interest income | $6,286,000 | 2,810 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $1,597,000 | 2,188 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,324,000 | 1,005 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $273,000 | 4,306 |
| Total noninterest expense | $3,622,000 | 3,665 |
| Salaries and employee benefits | $2,055,000 | 3,256 |
| Premises and equipment expense | $656,000 | 2,951 |
| Additional noninterest expense | $911,000 | 4,711 |
| Pre-tax net operating income | $4,081,000 | 1,762 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,430,000 | 1,677 |
| Income before extraordinary items | $2,651,000 | 1,866 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,651,000 | 1,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,131 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,651,000 | 1,834 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,513,000 | 2,888 |
| Total interest expense | $5,100,000 | 2,976 |
| Net interest income | $6,413,000 | 2,786 |
| Provision for loan and lease losses | $475,000 | 1,647 |
| Total noninterest income | $1,625,000 | 2,160 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,399,000 | 955 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $226,000 | 4,773 |
| Total noninterest expense | $3,931,000 | 3,384 |
| Salaries and employee benefits | $2,008,000 | 3,296 |
| Premises and equipment expense | $688,000 | 2,858 |
| Additional noninterest expense | $1,235,000 | 3,653 |
| Pre-tax net operating income | $3,632,000 | 2,023 |
| Securities gains (losses) | $-15,000 | 10,368 |
| Applicable income taxes | $1,264,000 | 1,932 |
| Income before extraordinary items | $2,353,000 | 2,159 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,353,000 | 2,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 3,001 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,362,750 | 2,107 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,821,000 | 3,079 |
| Total interest expense | $3,959,000 | 3,085 |
| Net interest income | $5,862,000 | 3,064 |
| Provision for loan and lease losses | $290,000 | 2,346 |
| Total noninterest income | $1,433,000 | 2,388 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,226,000 | 1,082 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $207,000 | 5,150 |
| Total noninterest expense | $3,917,000 | 3,490 |
| Salaries and employee benefits | $1,843,000 | 3,536 |
| Premises and equipment expense | $694,000 | 2,853 |
| Additional noninterest expense | $1,380,000 | 3,579 |
| Pre-tax net operating income | $3,088,000 | 2,296 |
| Securities gains (losses) | $72,000 | 944 |
| Applicable income taxes | $1,120,000 | 2,012 |
| Income before extraordinary items | $2,040,000 | 2,377 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,040,000 | 2,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,993,200 | 2,454 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,285,000 | 3,689 |
| Total interest expense | $3,367,000 | 3,720 |
| Net interest income | $4,918,000 | 3,624 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,312,000 | 2,720 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $1,122,000 | 1,197 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $190,000 | 5,825 |
| Total noninterest expense | $3,732,000 | 3,714 |
| Salaries and employee benefits | $1,819,000 | 3,579 |
| Premises and equipment expense | $630,000 | 3,172 |
| Additional noninterest expense | $1,283,000 | 3,969 |
| Pre-tax net operating income | $2,498,000 | 2,707 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $866,000 | 2,589 |
| Income before extraordinary items | $1,632,000 | 2,993 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,632,000 | 3,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,910 |
| Cash dividends | $1,859,000 | 1,098 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,203 |
| Net operating income | $1,632,000 | 2,835 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,571,000 | 4,505 |
| Total interest expense | $3,575,000 | 4,469 |
| Net interest income | $3,996,000 | 4,446 |
| Provision for loan and lease losses | $72,000 | 8,175 |
| Total noninterest income | $966,000 | 3,413 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $702,000 | 1,925 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $264,000 | 4,795 |
| Total noninterest expense | $3,296,000 | 4,158 |
| Salaries and employee benefits | $1,678,000 | 3,824 |
| Premises and equipment expense | $532,000 | 3,764 |
| Additional noninterest expense | $1,086,000 | 4,736 |
| Pre-tax net operating income | $1,594,000 | 3,817 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $514,000 | 3,918 |
| Income before extraordinary items | $1,080,000 | 4,199 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,080,000 | 4,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 6,704 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,064 |
| Net operating income | $1,080,000 | 3,892 |
* 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.