Home > The First National Bank of Waconia > Income and Expense
The First National Bank of Waconia, Income and Expense
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,640,000 | 2,859 |
| Total interest expense | $488,000 | 4,079 |
| Net interest income | $2,152,000 | 2,482 |
| Provision for loan and lease losses | $85,000 | 2,331 |
| Total noninterest income | $535,000 | 2,040 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $309,000 | 1,329 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $226,000 | 2,296 |
| Total noninterest expense | $1,072,000 | 3,637 |
| Salaries and employee benefits | $486,000 | 4,179 |
| Premises and equipment expense | $96,000 | 5,017 |
| Additional noninterest expense | $490,000 | 2,486 |
| Pre-tax net operating income | $1,530,000 | 1,490 |
| Securities gains (losses) | $-5,000 | 8,378 |
| Applicable income taxes | $1,000 | 6,740 |
| Income before extraordinary items | $1,524,000 | 1,132 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,524,000 | 1,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,027 |
| Cash dividends | $254,000 | 1,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,529,000 | 1,102 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,911,000 | 2,858 |
| Total interest expense | $1,694,000 | 4,154 |
| Net interest income | $8,217,000 | 2,485 |
| Provision for loan and lease losses | $74,000 | 5,437 |
| Total noninterest income | $2,173,000 | 2,080 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,386,000 | 1,278 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $787,000 | 2,521 |
| Total noninterest expense | $5,307,000 | 2,947 |
| Salaries and employee benefits | $2,810,000 | 3,018 |
| Premises and equipment expense | $372,000 | 5,003 |
| Additional noninterest expense | $2,125,000 | 2,286 |
| Pre-tax net operating income | $5,009,000 | 1,697 |
| Securities gains (losses) | $11,000 | 2,784 |
| Applicable income taxes | $47,000 | 6,074 |
| Income before extraordinary items | $4,973,000 | 1,307 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,973,000 | 1,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $3,178,000 | 929 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,962,110 | 1,274 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,315,000 | 2,864 |
| Total interest expense | $1,250,000 | 4,145 |
| Net interest income | $6,065,000 | 2,498 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $1,627,000 | 2,084 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,047,000 | 1,280 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $580,000 | 2,556 |
| Total noninterest expense | $4,047,000 | 2,884 |
| Salaries and employee benefits | $2,150,000 | 2,935 |
| Premises and equipment expense | $282,000 | 4,957 |
| Additional noninterest expense | $1,615,000 | 2,239 |
| Pre-tax net operating income | $3,525,000 | 1,794 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $35,000 | 6,189 |
| Income before extraordinary items | $3,495,000 | 1,404 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,495,000 | 1,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,796 |
| Cash dividends | $1,573,000 | 1,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,490,050 | 1,363 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,794,000 | 2,901 |
| Total interest expense | $818,000 | 4,212 |
| Net interest income | $3,976,000 | 2,500 |
| Provision for loan and lease losses | $82,000 | 3,884 |
| Total noninterest income | $1,097,000 | 2,057 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $697,000 | 1,268 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $400,000 | 2,513 |
| Total noninterest expense | $2,720,000 | 2,870 |
| Salaries and employee benefits | $1,438,000 | 2,948 |
| Premises and equipment expense | $195,000 | 4,840 |
| Additional noninterest expense | $1,087,000 | 2,225 |
| Pre-tax net operating income | $2,271,000 | 1,848 |
| Securities gains (losses) | $10,000 | 2,414 |
| Applicable income taxes | $23,000 | 6,209 |
| Income before extraordinary items | $2,258,000 | 1,431 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,258,000 | 1,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,514 |
| Cash dividends | $769,000 | 1,577 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,248,100 | 1,383 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,329,000 | 2,987 |
| Total interest expense | $415,000 | 4,212 |
| Net interest income | $1,914,000 | 2,593 |
| Provision for loan and lease losses | $37,000 | 3,840 |
| Total noninterest income | $491,000 | 2,191 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $319,000 | 1,342 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $172,000 | 2,705 |
| Total noninterest expense | $1,370,000 | 2,859 |
| Salaries and employee benefits | $740,000 | 2,866 |
| Premises and equipment expense | $90,000 | 5,166 |
| Additional noninterest expense | $540,000 | 2,200 |
| Pre-tax net operating income | $998,000 | 2,007 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $12,000 | 6,136 |
| Income before extraordinary items | $986,000 | 1,617 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $986,000 | 1,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $986,000 | 1,528 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,732,000 | 2,909 |
| Total interest expense | $2,122,000 | 3,851 |
| Net interest income | $7,610,000 | 2,531 |
| Provision for loan and lease losses | $193,000 | 4,103 |
| Total noninterest income | $2,498,000 | 1,954 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,265,000 | 1,372 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,233,000 | 2,082 |
| Total noninterest expense | $5,404,000 | 2,859 |
| Salaries and employee benefits | $2,916,000 | 2,829 |
| Premises and equipment expense | $382,000 | 4,895 |
| Additional noninterest expense | $2,106,000 | 2,298 |
| Pre-tax net operating income | $4,511,000 | 1,785 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $115,000 | 5,568 |
| Income before extraordinary items | $4,396,000 | 1,428 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,396,000 | 1,430 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,973 |
| Cash dividends | $2,640,000 | 1,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,396,000 | 1,372 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,307,000 | 2,938 |
| Total interest expense | $1,679,000 | 3,780 |
| Net interest income | $5,628,000 | 2,585 |
| Provision for loan and lease losses | $130,000 | 4,216 |
| Total noninterest income | $2,001,000 | 1,897 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $936,000 | 1,397 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,065,000 | 1,964 |
| Total noninterest expense | $4,048,000 | 2,873 |
| Salaries and employee benefits | $2,183,000 | 2,849 |
| Premises and equipment expense | $291,000 | 4,820 |
| Additional noninterest expense | $1,574,000 | 2,279 |
| Pre-tax net operating income | $3,451,000 | 1,814 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $86,000 | 5,733 |
| Income before extraordinary items | $3,365,000 | 1,462 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,365,000 | 1,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,488 |
| Cash dividends | $1,596,000 | 1,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,365,000 | 1,380 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,970,000 | 2,910 |
| Total interest expense | $1,201,000 | 3,663 |
| Net interest income | $3,769,000 | 2,569 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $1,299,000 | 1,927 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $604,000 | 1,418 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $695,000 | 1,982 |
| Total noninterest expense | $2,755,000 | 2,808 |
| Salaries and employee benefits | $1,463,000 | 2,843 |
| Premises and equipment expense | $202,000 | 4,671 |
| Additional noninterest expense | $1,090,000 | 2,185 |
| Pre-tax net operating income | $2,283,000 | 1,824 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $57,000 | 5,788 |
| Income before extraordinary items | $2,226,000 | 1,475 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,226,000 | 1,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,731 |
| Cash dividends | $1,046,000 | 1,244 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,226,000 | 1,385 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,443,000 | 2,972 |
| Total interest expense | $623,000 | 3,635 |
| Net interest income | $1,820,000 | 2,657 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $552,000 | 2,127 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $283,000 | 1,476 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $269,000 | 2,259 |
| Total noninterest expense | $1,401,000 | 2,752 |
| Salaries and employee benefits | $748,000 | 2,777 |
| Premises and equipment expense | $100,000 | 4,694 |
| Additional noninterest expense | $553,000 | 2,128 |
| Pre-tax net operating income | $951,000 | 2,132 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $29,000 | 5,756 |
| Income before extraordinary items | $922,000 | 1,726 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $922,000 | 1,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $432,000 | 1,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $922,000 | 1,618 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,987,000 | 2,770 |
| Total interest expense | $3,145,000 | 3,412 |
| Net interest income | $7,842,000 | 2,450 |
| Provision for loan and lease losses | $70,000 | 6,288 |
| Total noninterest income | $2,227,000 | 1,947 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,186,000 | 1,367 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,041,000 | 2,122 |
| Total noninterest expense | $5,116,000 | 2,870 |
| Salaries and employee benefits | $2,727,000 | 2,885 |
| Premises and equipment expense | $361,000 | 4,984 |
| Additional noninterest expense | $2,028,000 | 2,278 |
| Pre-tax net operating income | $4,883,000 | 1,665 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $549,000 | 3,272 |
| Income before extraordinary items | $4,340,000 | 1,429 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,340,000 | 1,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 2,348 |
| Cash dividends | $3,585,000 | 809 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,334,660 | 1,381 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,705,000 | 2,679 |
| Total interest expense | $5,387,000 | 2,951 |
| Net interest income | $7,318,000 | 2,442 |
| Provision for loan and lease losses | $935,000 | 1,317 |
| Total noninterest income | $1,792,000 | 2,193 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,019,000 | 1,451 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $773,000 | 2,437 |
| Total noninterest expense | $4,561,000 | 3,055 |
| Salaries and employee benefits | $2,441,000 | 3,007 |
| Premises and equipment expense | $393,000 | 4,650 |
| Additional noninterest expense | $1,727,000 | 2,562 |
| Pre-tax net operating income | $3,614,000 | 1,930 |
| Securities gains (losses) | $-4,000 | 9,172 |
| Applicable income taxes | $1,380,000 | 1,621 |
| Income before extraordinary items | $2,230,000 | 2,304 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,230,000 | 2,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $868,000 | 1,036 |
| Cash dividends | $902,000 | 2,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,232,560 | 2,235 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,492,000 | 2,802 |
| Total interest expense | $5,316,000 | 3,141 |
| Net interest income | $7,176,000 | 2,474 |
| Provision for loan and lease losses | $338,000 | 2,639 |
| Total noninterest income | $1,502,000 | 2,338 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $925,000 | 1,480 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $577,000 | 2,688 |
| Total noninterest expense | $4,438,000 | 3,034 |
| Salaries and employee benefits | $2,428,000 | 2,910 |
| Premises and equipment expense | $387,000 | 4,615 |
| Additional noninterest expense | $1,623,000 | 2,626 |
| Pre-tax net operating income | $3,902,000 | 1,879 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,505,000 | 1,511 |
| Income before extraordinary items | $2,397,000 | 2,168 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,397,000 | 2,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,816 |
| Cash dividends | $3,051,000 | 939 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,397,000 | 2,168 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,181,000 | 2,894 |
| Total interest expense | $4,598,000 | 3,153 |
| Net interest income | $6,583,000 | 2,662 |
| Provision for loan and lease losses | $189,000 | 3,688 |
| Total noninterest income | $1,445,000 | 2,357 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $839,000 | 1,570 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $606,000 | 2,609 |
| Total noninterest expense | $4,168,000 | 3,191 |
| Salaries and employee benefits | $2,291,000 | 3,035 |
| Premises and equipment expense | $336,000 | 5,113 |
| Additional noninterest expense | $1,541,000 | 2,803 |
| Pre-tax net operating income | $3,671,000 | 1,997 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,422,000 | 1,664 |
| Income before extraordinary items | $2,249,000 | 2,312 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,249,000 | 2,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,548 |
| Cash dividends | $1,202,000 | 1,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,249,000 | 2,287 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,455,000 | 2,815 |
| Total interest expense | $5,134,000 | 2,915 |
| Net interest income | $6,321,000 | 2,715 |
| Provision for loan and lease losses | $-3,000 | 10,189 |
| Total noninterest income | $1,644,000 | 2,119 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $688,000 | 1,864 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $956,000 | 1,922 |
| Total noninterest expense | $3,960,000 | 3,219 |
| Salaries and employee benefits | $2,020,000 | 3,294 |
| Premises and equipment expense | $368,000 | 4,724 |
| Additional noninterest expense | $1,572,000 | 2,655 |
| Pre-tax net operating income | $4,008,000 | 1,817 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $1,546,000 | 1,578 |
| Income before extraordinary items | $2,461,000 | 2,117 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,461,000 | 2,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,453 |
| Cash dividends | $1,083,000 | 2,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,461,640 | 2,050 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,048,000 | 2,953 |
| Total interest expense | $4,870,000 | 3,054 |
| Net interest income | $6,178,000 | 2,826 |
| Provision for loan and lease losses | $246,000 | 2,979 |
| Total noninterest income | $1,091,000 | 2,842 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $703,000 | 1,853 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $388,000 | 3,349 |
| Total noninterest expense | $3,596,000 | 3,516 |
| Salaries and employee benefits | $1,955,000 | 3,386 |
| Premises and equipment expense | $366,000 | 4,744 |
| Additional noninterest expense | $1,275,000 | 3,172 |
| Pre-tax net operating income | $3,427,000 | 2,193 |
| Securities gains (losses) | $-1,000 | 9,009 |
| Applicable income taxes | $1,313,000 | 1,919 |
| Income before extraordinary items | $2,113,000 | 2,459 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,113,000 | 2,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 2,921 |
| Cash dividends | $944,000 | 2,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,113,640 | 2,400 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,076,000 | 3,257 |
| Total interest expense | $4,330,000 | 3,445 |
| Net interest income | $5,746,000 | 3,078 |
| Provision for loan and lease losses | $291,000 | 2,644 |
| Total noninterest income | $1,306,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $629,000 | 2,150 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $677,000 | 2,364 |
| Total noninterest expense | $3,505,000 | 3,767 |
| Salaries and employee benefits | $1,951,000 | 3,410 |
| Premises and equipment expense | $366,000 | 4,870 |
| Additional noninterest expense | $1,188,000 | 3,815 |
| Pre-tax net operating income | $3,256,000 | 2,201 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,230,000 | 1,954 |
| Income before extraordinary items | $2,026,000 | 2,433 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,026,000 | 2,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,059 |
| Cash dividends | $901,000 | 2,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,026,000 | 2,382 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,084,000 | 3,585 |
| Total interest expense | $3,785,000 | 3,867 |
| Net interest income | $5,299,000 | 3,345 |
| Provision for loan and lease losses | $81,000 | 5,069 |
| Total noninterest income | $962,000 | 3,193 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $627,000 | 2,166 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $335,000 | 3,733 |
| Total noninterest expense | $3,425,000 | 3,821 |
| Salaries and employee benefits | $1,842,000 | 3,573 |
| Premises and equipment expense | $361,000 | 4,921 |
| Additional noninterest expense | $1,222,000 | 3,682 |
| Pre-tax net operating income | $2,755,000 | 2,614 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,029,000 | 2,317 |
| Income before extraordinary items | $1,726,000 | 2,856 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,726,000 | 2,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $803,000 | 2,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,726,000 | 2,818 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,658,000 | 3,892 |
| Total interest expense | $2,728,000 | 4,301 |
| Net interest income | $4,930,000 | 3,613 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $935,000 | 3,264 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $574,000 | 2,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $361,000 | 3,648 |
| Total noninterest expense | $3,383,000 | 3,960 |
| Salaries and employee benefits | $1,747,000 | 3,735 |
| Premises and equipment expense | $338,000 | 5,200 |
| Additional noninterest expense | $1,298,000 | 3,773 |
| Pre-tax net operating income | $2,452,000 | 2,881 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $884,000 | 2,529 |
| Income before extraordinary items | $1,570,000 | 3,057 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,570,000 | 3,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $755,000 | 2,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,568,720 | 3,079 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,390,000 | 4,100 |
| Total interest expense | $2,805,000 | 4,365 |
| Net interest income | $4,585,000 | 3,864 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $1,030,000 | 3,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $556,000 | 2,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $474,000 | 3,371 |
| Total noninterest expense | $3,123,000 | 4,360 |
| Salaries and employee benefits | $1,615,000 | 3,996 |
| Premises and equipment expense | $311,000 | 5,674 |
| Additional noninterest expense | $1,197,000 | 4,199 |
| Pre-tax net operating income | $2,482,000 | 2,720 |
| Securities gains (losses) | $-2,000 | 12,373 |
| Applicable income taxes | $891,000 | 2,534 |
| Income before extraordinary items | $1,589,000 | 3,070 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,589,000 | 3,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 8,555 |
| Cash dividends | $733,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,590,280 | 2,898 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,097,000 | 4,245 |
| Total interest expense | $3,451,000 | 4,588 |
| Net interest income | $4,646,000 | 3,882 |
| Provision for loan and lease losses | $100,000 | 7,236 |
| Total noninterest income | $652,000 | 4,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $478,000 | 2,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $174,000 | 6,145 |
| Total noninterest expense | $2,928,000 | 4,645 |
| Salaries and employee benefits | $1,491,000 | 4,255 |
| Premises and equipment expense | $295,000 | 6,046 |
| Additional noninterest expense | $1,142,000 | 4,546 |
| Pre-tax net operating income | $2,270,000 | 2,750 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $801,000 | 2,616 |
| Income before extraordinary items | $1,466,000 | 3,147 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,466,000 | 3,179 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 13,128 |
| Cash dividends | $699,000 | 2,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,467,950 | 2,903 |
* 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.